KR20040073423A - The payment system and method using own number of goods and personal mobile communication terminals - Google Patents

Abstract

PURPOSE: A settlement system using a goods code and a personal mobile communication terminal, and a method thereof are provided to buy/settle the goods of various suppliers conveniently and safely by registering to the settlement system without offering personal information to each supplier. CONSTITUTION: A customer and the supplier register to the settlement system linked with a settlement institution(s2). The goods code is generated/issued/managed by each supplier and goods(s3). The customer transmits purchase information by recognizing the goods code(s4). The settlement system requests the settlement by transmitting the purchase goods information to the customer(s6). The customer confirms the purchase information and encrypts/transmits the credit information to the settlement system(s7). The settlement institution approves the settlement by decrypting the credit information(s9). The customer finally confirms the purchase goods and the settlement particulars(s11). The basic information and the purchase information of the customer are transmitted to the supplier(s12). The supplier delivers the goods to the customer(s13).

Description

Payment system and method using product unique number and personal mobile communication terminal. {The payment system and method using own number of goods and personal mobile communication terminals}

The present invention is to make a payment by using a personal mobile communication terminal and a product unique number, and more specifically, to configure a payment system linked to consumers, suppliers, payment institutions, by introducing a unique product unique number for each supplier, product The present invention relates to a payment system and a method for allowing a consumer to perform a purchase and payment process safely using a personal mobile communication terminal regardless of a place when a product unique number is exposed through various media together with a product.

In general, payment or payment means a settlement through the transfer of the monetary value of bond and debt relations between two economic entities resulting from various economic activities such as physical transactions and financial transactions. The use of various cards such as cards is on the rise. Payment using these various cards may be used by visiting stores (members) affiliated with each card company or by searching for products in TV home shopping or Internet shopping malls.

In order to purchase goods using various cards in the affiliated store, it is required to provide additional equipment such as a card inquiry machine and a dedicated line, and consumers have inconvenience in that they must visit the affiliated store equipped with such equipment. On the other hand, TV home shopping and internet shopping malls can make up for these shortcomings and can be used conveniently at home or at work.However, due to the nature of open networks, personal credit information is leaked during the payment process. I'm spending.

In order to solve this security problem, payment is made by encrypting personal credit information. Generally, symmetric key encryption and asymmetric key encryption are used. In symmetric key cryptography, key confidentiality is an important task in order to maintain mutual security by encrypting and decrypting information with the same key. The asymmetric key encryption method distinguishes the public key from the private key so that the private key can be encrypted by transmitting the public key without being leaked to the outside and decrypting it with its own private key to increase the security.

However, the purchase and settlement of products in TV home shopping or Internet shopping malls have the hassle for consumers to sign up for membership by providing personal information for each operator, and the risk of information leakage and information according to the level of personal information management of each operator. Risks such as illegal use of the system are becoming a problem.

On the other hand, when payment is made in advance in delivery after purchase of a product, delivery of a product different from the ordered product, damage or non-delivery of the product, and the like are problematic. In order to solve this problem, the escrow system has recently been introduced, and a qualified third party (intermediary) has been paid in advance to pay the supplier after the delivery of goods has been confirmed. In addition, it solves the problem of delivery due to prepaid payment, but there are various intermediaries involved, and consumers have the trouble of having to deal with their information with various intermediaries and risk of information leakage.

Due to recent technological developments, various functions and roles are being added to personal mobile communication terminals, and regardless of the place due to the mobile, it is possible to store and use a variety of information according to the expansion of memory capacity and function. In particular, the IC chip or a specific memory is embedded in the personal mobile communication terminal in the payment process, and the corresponding interface is embedded through an interface such as infrared (Infrared Financial Messaging) or radio frequency (RF). The card is sent to and received from the card checker.

In addition, if you make payments with various cards after purchasing products at TV home shopping, internet shopping malls, or general merchants, you can notify your mobile phone of the payment by SMS Short Message Service or enter your mobile phone number when paying. The payment system generates a random number and sends an SMS to the mobile phone, through the authentication process that the consumer inputs it, adds it to the mobile phone usage fee, or processes the purchase information through an electronic commerce payment gateway (PG).

However, such a system is used only as a substitute for various cards or as an auxiliary means of payment despite the various functions of the personal mobile communication terminal. In addition, in the case of payment using infrared or radio frequency, a personal portable terminal with a corresponding interface unit can be purchased to make a payment only in a credit card inquiry device with the corresponding interface unit.

As such, the existing payment method has a security problem due to the distribution of personal information to a number of traders with the restriction of the place, additional equipment. In particular, the use of a personal mobile communication terminal as a payment method also remains a substitute or supplementary role of existing various cards. Therefore, it is time to solve the limitation of the place in the payment method, secure the safety and convenience in the payment process, and the role of the personal mobile communication terminal as a new payment method.

Therefore, the present invention introduces a payment system that promotes secure payment by linking each supplier, a consumer, and a payment institution, thereby enabling consumers to register their use of the payment system of the present invention without the hassle of providing their personal information by various suppliers. The purpose is to securely and conveniently purchase goods and make payments from suppliers.

Each provider is registered in the payment system of the present invention and is given a unique product unique number for each product and supplier, and exposes the assigned product unique number to the consumer together with the product, thereby allowing the consumer to make time through the wireless Internet of a personal mobile communication terminal. By allowing the payment to be carried out by the payment system of the present invention regardless of the place and place, it eliminates the disadvantage of having additional equipment for payment, and reduces the need for additional expenses for the safe management of personal information of consumers The purpose is to induce more profits.

In addition, the purpose of the expansion of the functional area and the convenience of life by granting a new role of the personal mobile communication terminal which is positioned as a necessity of life as technology is developed.

1 is a step diagram showing the steps of the process of the present invention.

Figure 2a is a previous step in the payment process of the present invention, a representation of the relationship between the payment system associated with the payment institution and the consumer and the supplier.

Figure 2b is a sequential diagram showing the payment process of the present invention sequentially.

2c is a sequential diagram sequentially illustrating a payment approval process by an asymmetric key encryption method (public key encryption algorithm).

2d is a sequential diagram sequentially illustrating a payment approval process using a symmetric key encryption method.

3A is a diagram illustrating a process of using a payment system of the present invention by using a general portable terminal.

Figure 3b is a diagram illustrating a process of using the payment system of the present invention using a portable terminal with a built-in financial IC-Chip.

Figure 3c is a view showing an example delivery confirmation process.

4 is a diagram illustrating a process in which a non-subscribed consumer joins a member by accessing the wireless Internet through his personal portable mobile communication terminal.

5 is a diagram illustrating a process in which a consumer checks his or her personal information or a purchase list by accessing the wireless Internet through his personal mobile communication terminal.

In order to achieve the above object, the present invention is a preliminary step of the payment process. As shown in FIGS. 1 and 2A, the consumer 100 enters his basic information into the payment system 120 of the present invention to join a member, and the payment system. The consumer registration step (s1) that manages this, each supplier 110 is registered in the payment system and managed supplier management step (s2), the payment system generates a unique product unique number for each supplier and product, issued to the supplier, The product unique number is composed of a product unique number generation, issuance, management step (s3) for managing the supplier, product information, price information and the like.

1 and 2b as a payment process, the product unique number exposure step (s4) for exposing the product unique number with the product information so that the consumer knows, such as the product unique number and quantity exposed to purchase the product The purchase information transmission step (s5) in which the consumer enters the purchase information into a personal mobile communication terminal and transmits it to the payment system (s5), the payment system checks basic information of the registered consumer, and then the product unique number and quantity transmitted from the consumer. Commodity information transmission step of transmitting the commodity information such as product name, quantity, payment amount, purchase availability, etc. to the consumer (s6), the consumer reconfirms his purchase information and commodity information and checks the information related to payment The payment request step (s7, Fig. 3a and 3b) of the consumer to enter and send to the payment system, the payment information sent to the payment institution 130 and the payment is approved The payment request step (s8) of the system, the payment approval step (s9) of the payment institution, the payment approval notification step (s10) for notifying the consumer of the payment approval, the payment confirmation step (s11) for the consumer to finally confirm the payment, Basic information transmission step of transmitting the purchase information and the basic information of the consumer to the supplier (s12), the delivery step of the supplier delivers the goods to the consumer (s13), the delivery confirmation step (s14, Figure 3c), the consumer confirms the delivery, Finally, the payment system consists of a payment payment step (s15) that completes the purchase and payment process by paying the supplier.

First, as described above, as shown in FIG. 1 and FIG. 2A, as a previous step in the payment process of the present invention, the consumer 100 provides his / her basic information to the payment system 120 and joins a member, thereby allowing personal mobile communication as a payment means. The terminal may be used. (S1) In this case, the term 'basic information' means information for identifying oneself such as a name and a social security number, and information such as a delivery address for later delivery of goods. It is encrypted and managed in the payment system, and in particular, it is used in the step of confirming the consumer and transmitting the product information (s6) in the subsequent payment process and the step (s12) of transmitting the basic information and the purchase information to the supplier. In addition, the consumer can always change his or her personal information or check the purchase list at his or her personal mobile communication terminal or Internet site of the payment system (FIG. 5).

The above-described method of signing up for a payment system of the present invention may be performed through an Internet site, an affiliated service store or a personal mobile communication terminal thereof. 4 shows a process in which a member who has not previously registered as a member completes the registration process by directly inputting his or her information through a personal mobile communication terminal at the time of purchase. In addition, the payment service of the present invention can be used by subscribing in various ways, such as documents at Internet sites or affiliated service stores through wired and wireless Internet.

The supplier 110 who wants to sell the product receives the product unique number after registering the supplier (s2) in the payment system of the present invention. (S3) The product unique number is unique to distinguish the product from the supplier and the supplier. Each product is given a unique number. The product unique number is generated and issued by product and supplier only. There are various methods of generating a unique product unique number. For example, as shown in Table 1, a unique product unique number can be assigned by various methods such as a combination with a business registration number, a combination according to a business type code, and a combination with an existing barcode.

Product unique number generation type Example of product unique number Combination with Business Registration Number Business registration number-serial number Combination with Industry Code Industry classification-supplier classification-product serial number Combination with Barcodes Barcodes-Other Information You May Need

The 10-digit business registration number consists of a new registration tax office code, individual and corporation identification code, and a tax office management code.In addition to the 10-digit business registration number or the new registration tax office code, a combination of 7 digits and a serial number for each product is used as a product unique number. Can be used. The industry code can be used as a product unique number by assigning a serial number by dividing the industry such as distribution, food, electronics, etc., by assigning a number to the supplier name for each industry, and finally by assigning a serial number of the product. Combination with barcode is a method of generating a product unique number by numbering existing barcode numbers and other management information.

In addition, a variety of product unique numbers can be generated by combinations of alphabets, letters, symbols, etc. in addition to simple combinations of numbers only. In addition to the above method, generation of product unique numbers can be generated in a variety of ways.

Product unique number Provider Number Product number Creation date Expiry Date 123456789012340 1234567890 123450 January 1, 2004 February 1, 2004 123456789012341 1234567891 123451 May 1, 2004 5th, 9999, 1st ... ... ... ... ... ... ... ... ... ...

Provider Number Supplier Name Representative Name Contact phone number address Name of person in charge Contact person 1234567890 **shopping Hong Gil Dong 02-1234-1234 Yeongdeungpo-gu, Seoul ... Moon Soo Park 02-1234-1235 ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...

Provider Number Product number product name unit price manufacturer Manufacturer Contact 1234567890 1234560 Grandfather clock-blue 50000 Korean clock 02-1234-1235 1234567890 1234561 Grandfather clock-white 30000 Korean clock 02-1234-1235 1234567890 1234562 Pencil stand 15000 Korean 02-1234-1236 ... ... ... ... ... ...

Tables 2, 3, and 4 above show examples of product unique numbers and supplier management by the payment system. Table 2 shows an example of creating a product unique number to manage each product and supplier by product unique number and managing the expiration date of the product unique number. It is valid for a period of time and is managed by the payment system proposed by the present invention as described above, together with supplier-specific features.

The selling period is from the point at which the consumer can actually purchase the product, until the supplier no longer makes a purchase by the payment system, for example, because the supplier suspends or terminates the production or sale of the product, or the supplier withdraws from the payment system. Means the period of. Therefore, the payment system may add all or part of the expiration date to the product unique number, or separately grasp and manage to manage the saleable period. In addition, in the case of selling with different price discount or product composition for a certain period of time, a unique product number may be generated separately or added with an identification number. This sellable period may be added when the payment system transmits the product information to the consumer in the settlement process (s6) to confirm whether or not the purchase is possible according to the sellable period.

Tables 3 and 4 illustrate managing his product based on the control number assigned to the registered supplier. The supplier numbers in Tables 2, 3, and 4 above can be managed using a business registration number or a separate serial number, similar to the product unique number in Table 1, and a separate serial number can also be used. In this case, the combination of the supplier management number and the product management number may be used as the unique number.

When the supplier is issued a unique product unique number, each supplier will inform the consumer through the various online and offline media with the product information issued (s4).

In the payment process, the consumer searches for the unique number exposed by the supplier and the characteristics of each product (s4), and then purchases information such as the product unique number and quantity of the product to be purchased by the wireless Internet of the personal mobile communication terminal. Enter using and send to the payment system. (S5)

The personal mobile communication terminal used in the payment settlement process of the present invention is capable of wireless Internet, and includes various mobile phone terminals, PDA personal digital assistants, and notebook computers. In addition, the payment process is performed through a web page suitable for each terminal can be used as a wired Internet.

Recently, a personal mobile communication terminal with a built-in module capable of recognizing one-dimensional or two-dimensional barcodes has been developed and spread. Therefore, if the product unique number is exposed to the consumer in the form of a bar code, the consumer does not directly enter the product unique number directly through the barcode recognition module built in the terminal to recognize the product unique number more convenient payment system of the present invention Can be used.

The purchase information transmitted as described above checks the basic information of the consumer managed by the payment system, the product unique number of the product and the information for each supplier, and transmits the product information such as the payment amount to the consumer to request payment. After checking the information of the product he wants to purchase, he selects a payment method and inputs his / her credit information to request payment. (S7) In this process, the consumer can make a purchase through a personal mobile communication terminal. Regardless of the location and time of the various inquiry machines, it is possible to conveniently and safely purchase and pay for products supplied by various suppliers through a single payment system.

3A and 3B, the steps S5 to S7 may be performed differently according to the personal mobile communication terminal possessed by the individual. 3a illustrates a case where a consumer enters credit information (card number and password) to perform authentication (a5 to a7), and the case of the financial IC-Chip embedded card of FIG. 3b. You can simply complete the authentication process by selecting the payment method and card type and entering the card password. (B5 to b7) In addition to the terminal with wireless internet, if you have internet access, you can access the payment system to use this service. Can be.

According to the selected payment method, the payment system goes through the payment process based on the credit information of the payment institution and the consumer. (S8, s9) FIG. 2C illustrates a payment process using an asymmetric key encryption method (public key encryption algorithm). Doing. The payment institution secures the transaction by transmitting the public key to the consumer through the payment system (s81, s82) and encrypting and transmitting the credit information by the personal mobile communication terminal (s83, s84). In addition, Figure 2d illustrates a payment process using a symmetric key encryption method, where the personal credit information is already encrypted to make a purchase request, and the payment institution decrypts the same key to read the information (s71).

After the payment is approved by the payment institution, the payment is securely sent back to the consumer (s10) to complete the payment. (S11) As described above, the payment process through the payment system in the present invention is an existing credit transaction. Unlike this, it is possible to deal with multiple suppliers through a single payment system, thereby minimizing the risk of personal credit information leakage and eliminating the need for additional authentication procedures or personal information required for each supplier.

When the payment is approved and the result is notified to the consumer, the purchase information and the basic information of the consumer are transmitted to the supplier of the product. (S12) The supplier of the product is provided with the basic information such as the name and shipping address of the consumer from the payment system of the present invention. It receives the purchase information such as the type and quantity of the purchased product and delivers the product to the consumer through its own delivery system (s13).

After the goods are delivered, the consumer checks whether the goods he ordered or purchased as shown in FIG. 3C (s14), and after the confirmation of the consumer, the payment system pays the goods to the supplier to purchase and pay the goods of the present invention. The process ends (s15).

On the other hand, the point of payment for the supplier may be applied differently in certain cases. In other words, in order to protect the consumer from shipping accidents such as damage, undelivered or incorrect delivery of the delivered goods, payment is made after confirmation of delivery. If you have a means of protection, such as signing up, you can pay the price immediately after payment.

Above the present invention is that from the point of view of the consumer, it is possible to conveniently purchase goods from various suppliers through a single subscription to the payment system. This simplifies the purchasing process by eliminating the registration process required for each supplier, and enables secure transactions by minimizing the distribution of personal credit information to multiple suppliers. In addition, since the product unique number is exposed through various media on and offline, the consumer can use the personal mobile communication terminal to purchase and settle the product in a timely manner regardless of the place in the product purchase decision and settlement process. Therefore, it leads to an increase in product consumption opportunities while securing safety and convenience in product purchases, resulting in an increase in sales revenue for suppliers.

As a provider, it is possible to reduce the burden for the safe management of consumers' personal credit information, and it is possible to reduce additional expenses because it is not required to provide various kinds of existing inquiry devices required by mobile carriers and terminals. In addition, the existing separate payment management is managed by the payment system of the present invention can bring a reduction in management costs, the product can also be conveniently managed using the product unique number of the present invention without a separate identification number Can be.

Mobile communication service providers are expected to provide new roles of personal mobile communication terminals as a payment method according to technological developments and increase profits of mobile communication providers.

Claims (10)

Payment system 120 associated with the payment institution 130, Consumer and supplier in the payment system through the membership registration (s1) and registration step (s2), respectively, the consumer registration step and supplier registration step managed by the payment system, Creating, issuing, and managing a unique product unique number for each product supplier and product, and generating and issuing and managing a unique product unique number (s3), A product unique number exposure step (s4) exposing the product unique number and the characteristics of each product to the consumer; Purchase information transmission step (s5) for the consumer to recognize the exposed product unique number and transmit the purchase information, The payment system transmits the product information to the consumer to pay the product information transmission step (s6), A consumer's payment request step (s7) of the consumer confirming his purchase information, encrypting his credit information, and transmitting it to the payment system; Payment request step (s8) of the payment system between the payment system and the payment institution, A payment approval step (s9) in which the payment institution decrypts the encrypted credit information and approves the payment; Payment approval notification step (s10) for notifying the consumer that the payment has been securely approved, and Payment confirmation step (s11) that the consumer finally confirms his purchases and payment details, Basic information transmission step (s12) for transmitting the consumer's basic information and purchase information to the supplier for the payment information confirmed by the payment system, A delivery step at which the supplier delivers the product (s13), Delivery confirmation step (s14) for the customer to confirm the delivery through the personal mobile communication terminal, After confirming the customer's delivery, the payment system uses the product unique number and personal mobile communication terminal, characterized in that the purchase and payment is made safely and conveniently through the payment step (s15), in which the payment is made to the supplier. System and its methods. The method of claim 1, Even if the consumer does not initially register for the payment system, the user can immediately register for membership and use the payment service by entering basic information such as name and delivery address through his personal mobile communication terminal as shown in FIG. 4 at the time of purchase. Payment system and method using a product unique number and a personal mobile communication terminal, including the. The method of claim 1, When generating a product unique number (s3) and a method of generating a product unique number by adding the available selling period, or separately managed in the payment system using a unique product number and personal mobile communication terminal and its method. The method of claim 1 and 3, When the product unique number is generated, a payment system and a method using a product unique number and a personal mobile communication terminal, including a feature to combine the product unique number using not only numbers but also alphabets, letters or various symbols. The method according to claim 1 and 3 and 4, When a product unique number is exposed, it is also displayed as a one-dimensional or two-dimensional bar code, and instead of the consumer directly inputting the product unique number, the barcode is scanned through a personal mobile communication terminal with a one- or two-dimensional barcode recognition module. Payment system and method using a product unique number and a personal mobile communication terminal comprising a unique number is recognized. The method of claim 1, 3A or 3B, a payment system and a method using a product unique number and a personal mobile communication terminal further comprising a feature in which a payment settlement process is different according to a personal mobile communication terminal used by a consumer. The method of claim 1, The mobile terminal used in the present invention can be used not only for a personal mobile communication terminal capable of wireless internet, but also for other Internet-enabled terminals, that is, a product unique number and personal mobile movement further comprising a feature such as a personal computer at home or work. Payment system and method using a communication terminal. The method of claim 1, Payment using a unique product number and personal mobile communication terminal including a function to securely process credit information using an asymmetric key encryption method (public key encryption algorithm) or a symmetric key encryption method as shown in Figure 2d as shown in FIG. System and its methods. The method of claim 1, In addition to paying the supplier after confirming the delivery of the consumer, if the supplier has a means to secure the safety of the delivery, such as joining a deduction union or compensation insurance, the product should be paid immediately after payment. Payment system and method using a product unique number and a personal mobile communication terminal further comprising. The method of claim 1, 5 and a payment system using a product unique number and a personal mobile communication terminal, including a connection to a wired or wireless Internet or changing personal information offline.