KR20060026155A - A payment system using speed dial of mobile communication terminal and method thereof - Google Patents

Abstract

The present invention provides a payment system using a speed dial number of a mobile communication terminal for performing a payment between a claimant's terminal and a payer's mobile communication terminal, comprising: a claimant interface unit for interfacing a wired or wireless connection with the claimant's terminal; A billing device interface for interfacing a wireless connection with a mobile communication terminal, a billing information storage for storing billing information including an identification number for the billing party received from the billing interface, and a shortcut number for the billing information; A shortcut number matching unit for matching and transmitting the same to the claimant's terminal, a reception number extracting unit for receiving a connection using the shortcut number from the payer interface unit, and analyzing a mobile communication terminal number of the payer; The mobile terminal analyzed by the extraction unit A text message generation unit for generating a text message including a number and a callback URL based on the billing information of the billing information storage unit, and transmitting the text message to the mobile communication terminal, and accessing the callback URL from the payer interface unit; A payment request unit configured to receive and generate a payment request based on the billing information and transmit the payment request to the mobile communication terminal; a payment processing unit receiving payment information input for the payment request from the payer interface unit; It relates to a payment system using a speed dial number of a mobile communication terminal including a payment result notification unit for transmitting the results of the payment processing unit to the claimant server and the biller interface through the biller interface unit and the biller interface unit. .

According to the present invention, even when the claimant does not know the intention of the payer, such as payment of the sponsorship of a political party or home shopping payment, which the conventional payment system using the callback URL could not be applied, the payer accesses the payment system through the speed dial to make payment easily. Can be done.

Callback URL, text message, mobile device, payment

Description

Payment system using a speed dial number of mobile communication terminal and method thereof {A PAYMENT SYSTEM USING SPEED DIAL OF MOBILE COMMUNICATION TERMINAL AND METHOD THEREOF}

1 is a block diagram of a payment system using a shortcut number of a mobile communication terminal according to the present invention.

2 is a flowchart of a payment method using a speed dial number of a mobile communication terminal according to the present invention;

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

100: payment system 110: claimant interface unit

120: biller interface unit 130: billing information storage unit

140: speed dial matching unit 150: reception number extraction unit

160: text message generation unit 170: payment request unit

180: payment processing unit 190: payment result notification unit

200: terminal of claimant 250: mobile communication terminal of biller

The present invention relates to a payment system and a method using a speed dial number of a mobile communication terminal, and more specifically, the claimant is willing to pay the payment of the party's payment, such as the payment of the political party's support or home shopping payment that the conventional payment system using the callback URL could not be applied. The present invention relates to a payment system and a method using a speed dial number of a mobile communication terminal in which a payer can easily perform a payment by accessing a payment system through a speed dial number.

Currently, commerce activity using credit cards as a payment method in online / offline stores is on the rise and is expected to continue to grow.

In general, cash and credit card transactions are predominant in offline stores, and online payment is usually made by credit card or bank transfer. However, due to the card accidents that illegally use the customer's card information at online / offline stores, serious social problems such as the leakage of credit card information are emerging. This current method has a problem in that the payment information of the payer can be stored too easily on the store side, so that the safe transaction behavior of the customer cannot be protected.

In addition, since the spread of the mobile communication terminal, the mobile communication terminal has not only a unique telephone transmission / reception function but also additional functions such as information data transmission / reception function and payment function in various forms (e-mail, video, text). The payment function using a mobile communication terminal is a trend of increasing the frequency of use from users as a new payment method.

If the concept of a payment system using a conventional mobile communication terminal is introduced, the following two models can be exemplified. The first is a model using a unique telephone number and an authorization number assigned to a mobile communication terminal. The payer purchases the goods on the Internet, selects the mobile communication terminal as a payment method, and informs the claimant of the mobile communication terminal number of the payer. Then, the authorization number is sent to the mobile terminal in the form of SMS, and when the payment number entered by the payer is billed, the charge is added to the mobile phone bill.

The second is a model for inputting card information into the mobile communication terminal itself. Usually, when the chip storing the card information is embedded in the mobile communication terminal or stored in the memory of the mobile phone, the dedicated reader reads the card information stored in the mobile communication terminal.

In the case of the first model, the user can use a mobile communication terminal as a payment method, but since the billing method is added to the mobile phone bill, the payer cannot select various payment methods such as credit card and bank transfer. Of course, installment purchases are not possible because cards cannot be used.

In the second model, a dedicated reader for reading card information from a mobile communication terminal must be installed at each offline store. In particular, if a mobile communication terminal is lost, it is exposed to the risk of fraud as if it is a card loss. There was a problem.

To overcome these shortcomings, technologies have been developed that can be used to perform credit cards or bank transfers through a mobile terminal without using a dedicated reader.

For example, Applicant's patent application No. 2003-73060, filed on October 20, 2003 entitled "Mobile Phone Gigolog and Self-Payment System and Method Using Callback UAL," uses SMS including a callback URL. The present invention describes a method of easily making a payment through a credit card or bank transfer in a mobile communication terminal.

However, the technique disclosed in the above-mentioned patent application No. 2003-73060 is a case where a direct payer provides his mobile terminal number in an off-line transaction such as flower delivery, or in a online shopping mall, the payer indicates a payment intention and In the case of providing a terminal number, this is useful, and payment for a general home shopping broadcast where the claimant does not know the intention of payment by the claimant until the claimant indicates the payment intention, or the claimant is required to provide In case of unknown donation of one-time payment authorization party, donation of religious group, payment of pension of the beneficiary, etc., the claimant needs to send the billing information including billing party's mobile terminal number and amount to billing DB server in advance. Therefore, the payment disclosed in the patent application No. 2003-73060 There is a disadvantage that can not be the law.

Therefore, even in such a case, there is an increasing need for a method for simple payment using an SMS message including a callback URL.

 SUMMARY OF THE INVENTION An object of the present invention is to provide a payment system and a method using a speed dial number of a mobile communication terminal in which a biller can easily perform a payment by accessing a payment system through a speed dial number even when the claimant does not know the payment intention of the payer. There is.

In order to achieve the above technical problem, the present invention provides a payment system using a speed dial number of a mobile communication terminal for performing a payment between a claimant's terminal and a payer's mobile communication terminal, the wired and wireless connection with the terminal of the claimant A billing information storage unit for storing billing information including a billing party interface unit, a billing interface unit for interfacing a wireless connection with the payer's mobile communication terminal, and an identification number for the billing party received from the billing interface unit; A speed dial number matching unit for matching the speed dial number with the billing information and transmitting the speed dial number to the claimant's terminal, and receiving a connection using the speed dial number from the billing interface and receiving the payer's mobile terminal number; A number extracting unit and the received number A text message generation unit for generating a text message including a callback URL based on the mobile communication terminal number and the billing information storage unit analyzed in the report and transmitting the text message to the mobile communication terminal, and the payer interface unit; A payment request unit for receiving a connection using the callback URL from a payment request unit based on the billing information and transmitting the generated payment request to the mobile communication terminal, and receiving payment information input for the payment request from the payer interface unit; A payment processing unit for processing a payment; and a payment result notification unit for transmitting a result of the payment processing unit to the claimant's server and the payer's mobile communication terminal through the claimant interface unit and the payer interface unit. Provide a payment system using speed dial The.

In the payment system using the speed dial number of the mobile communication terminal according to the present invention, it is preferable that the billing information includes a billing amount and information on a billing target product.

In addition, in the payment system using the speed dial number of the mobile communication terminal according to the present invention, it is preferable that the payment information includes an amount to be paid.

The present invention also provides a method of generating a shortcut number for claim information including an identification number for a claimant, transmitting the shortcut number through a wired or wireless connection to a server of a claimant recognized as an identification number for the claimant; Receiving a wireless connection using the speed dial number; extracting a telephone number of a mobile communication terminal that has connected by analyzing the wireless connection using the speed dial number; Transmitting a text message including a callback URL generated based on the received call; receiving a wireless connection using the callback URL from the mobile communication terminal; transmitting a payment request including the billing information; Receiving payment information for a payment request, and performing a payment using the payment information And, it provides a payment method using the abbreviated number in a mobile communication terminal including a step for notifying the payment result.

In the payment method using the speed dial number of the mobile communication terminal according to the present invention, it is preferable that the billing information includes a billing amount and information on a billable product.

In addition, in the payment method using the speed dial number of the mobile communication terminal according to the present invention, it is preferable that the payment information includes an amount to be paid.

Further, in the payment method using the speed dial number of the mobile communication terminal according to the present invention, the step of extracting the phone number of the mobile communication terminal of the payer performing the connection by analyzing the wireless connection using the speed dial number, the extracted phone Identifying and storing the information of the payer through a wired or wireless connection to the server of the claimant using a number as a key, and transmitting the payment request including the billing information, based on the stored information of the payer. It is preferable to include generating and sending a request.

In addition, in the payment method using the speed dial number of the mobile communication terminal according to the present invention, the receiving of the payment information, preferably comprises the step of receiving authentication information required for payment.

Further, in the payment method using the speed dial number of the mobile communication terminal according to the present invention, the step of notifying the payment result, the notification of the payment result through a wired or wireless connection to the server of the claimant recognized as the identification number for the claimant And notifying the settlement result by using a text message to the mobile communication terminal.

The present invention also provides a function of generating a shortcut number for claim information including an identification number for a claimant, a function of receiving a connection using the shortcut number, and a movement performed by analyzing the connection using the shortcut number. A function of extracting a telephone number of a communication terminal, a function of transmitting a text message including a callback URL generated based on the billing information to the extracted telephone number, and access using the callback URL from the mobile communication terminal. For realizing a function of receiving, a function of transmitting a payment request including the billing information, a function of receiving payment information, a function of making a payment using the payment information, and a function of notifying a payment result; Provided is a computer-readable recording medium having recorded thereon a program.

Hereinafter, a payment system and a method using a speed dial number of a mobile communication terminal of the present invention will be described in more detail with reference to the accompanying drawings.

1 is a block diagram of a payment system using a speed dial number of a mobile communication terminal according to the present invention.

As shown, the payment system 100 using the speed dial number of the mobile communication terminal according to the present invention is the billing interface 110, billing interface 120, billing information storage unit 130, short number matching A unit 140, a reception number extracting unit 150, a text message generating unit 160, a payment requesting unit 170, a payment processing unit 180, and a payment result notification unit 190, It may be connected with the claimant's terminal 200 through a wired or wireless connection and may be connected with the payer's mobile communication terminal 250 through a wireless connection.

The claimant interface unit 110 interfaces a wired or wireless connection with the claimant terminal 200. The claimant's terminal 200 may be connected to the payment system 100 through a wired internet network using a PC or the like, or may be connected to the payment system 100 through a wireless connection.

The payer interface unit 120 interfaces a wireless connection with the payer's mobile communication terminal 250. The payer's mobile communication terminal 250 may be connected through an intermediary server provided by a mobile communication company, and details thereof will be omitted since it is a conventional technology.

The billing information storage unit 130 stores billing information including an identification number for the claimant from the claimant terminal 200 through the claimant interface unit 110.

The billing information may include information about a product and an identification number for the claimant. Or it may include only an identification number for the claimant.

For example, in the case of a home shopping or an internet shopping mall, the information on the goods and information including the price, the quantity ordered, the characteristics of the goods such as the color, etc. may be the billing information, for example, a political donation or a religious group. In the case of a donation to, only the information for payment to the party or religious body may be the billing information.

The speed dial number matching unit 140 matches a predetermined speed dial number with the billing information with respect to the billing information, and transmits it to the billing terminal 200 through the billing interface 110.

The shortcut number corresponds to, for example, the "**" service or the "##" service currently being serviced, and the user uses a shortcut number such as "** 123" or "## 1234" to specify a specific wireless Internet URL. Perform a function that allows you to connect. "**" service or "##" service corresponds to the prior art, and detailed description thereof will be omitted.

The speed dial number transmitted to the claimant's terminal 200 is later known through broadcasting, propaganda or advertisement, and the payer simply accesses the payment system 100 according to the present invention when the speed dial number is known. Can be done.

The receiving number extracting unit 150 receives the connection using the shortcut number from the payer interface unit 110 and extracts the number of the mobile communication terminal 250 of the payer.

The text message generation unit 160 may include a text message including a callback URL based on the mobile communication terminal 250 number analyzed by the reception number extraction unit 150 and the billing information of the billing information storage unit 130. Generates and transmits it to the mobile communication terminal (250).

The payment request unit 170 receives a connection using the callback URL from the payer interface unit 120, generates a payment request based on the billing information, and transmits the generated payment request to the mobile communication terminal 250.

For example, in the case of a home shopping or an internet shopping mall, a payment request is made only by a checker by sending a payment request including information about a product and information including a price, an order quantity, a characteristic of a product such as color, and the like. You can then create a payment request to choose a payment method.

Also, for example, in the case of donations to political parties or offerings to religious organizations, a payment request may be generated for the payer to enter the payment amount and select a payment method.

The payment processor 180 receives payment information from the mobile communication terminal 250 through the payer interface unit 120 and processes the payment based on the payment request. The payment processor 180 may interwork with a server of a credit card company or a server of a bank to process a payment.

The payment result notification unit 190 transmits the processing result of the payment processing unit 180 to the claimant's server 200 and the payer's mobile communication terminal through the claimant interface unit 110 and the payer interface unit 120. Send to 250.

2 is a flowchart illustrating a payment method using a speed dial number of a mobile communication terminal according to the present invention.

First, a shortcut number is matched with claim information including an identification number for the claimant as a preliminary preparation step (S110).

Matching the claim information and the abbreviated number is to match the abbreviated number such as "** 123" with specific billing information, for example, to relate to a claim for a political party's sponsorship or a B home shopping product.

Thereafter, the speed dial number is transmitted through a wired / wireless connection to the server of the claimant recognized as the identification number for the claimant (S120).

This step informs the claimant of the abbreviated number so that the claimant can make a payment if the claimant makes a call through the mobile terminal only to the number "** 123" through various means such as broadcasting, newspapers and advertisements. Make it possible to advertise. If such an service is used by an institution such as home shopping, a customer who wants to place an order while on the air will be able to call the "** 123" number through the mobile terminal.

Thereafter, the payer receives the wireless access call using the speed dial number through his mobile communication terminal 250 (S130).

Thereafter, the wireless number using the speed dial number is analyzed to extract the phone number of the mobile communication terminal 250 of the payer who performs the access (S140).

Although not shown, the extraction process may be extracted through a service provided by a mobile communication company.

In addition, although not shown, the telephone number of the mobile communication terminal 250 of the payer may be extracted and transmitted to the server 200 of the claimant to check whether the telephone number of the mobile communication terminal 250 is registered. If the phone number is registered, the information about the payer (for example, the card information or the delivery address information) of the payer may be checked, which may be stored and used in the subsequent creation of the payment request.

Subsequently, a text message including a callback URL generated based on the billing information is generated from the extracted payer's mobile communication terminal 250 phone number and is transmitted back to the payer's mobile communication terminal 250 (S150). .

As disclosed in Patent Application No. 2003-73060, the callback URL is configured in the form of, for example, "http://gateway.co.kr/index.asp?seq=1234", and the 'gateway.co.kr Is a WAP address of the payment system 100 according to the present invention, and '1234' is a claim number corresponding to a unique key value of the claim information.

Thereafter, a wireless access using the callback URL is received from the mobile communication terminal 250 (S160).

Thereafter, the payment request including the billing information is transmitted to the payer's mobile communication terminal 250 (S170).

For example, if you request a payment for a product on Home Shopping, the payment request may include information about the product (which may include information such as quantity, color, shipping address, etc.), payment amount confirmation, payment method, and financial information (credit card number or bank account). It provides an interface that allows the payer to check and input information about the product (which may include information such as quantity, color, shipping address, etc.) and financial information.

For example, in case of requesting payment for a party's donation, it provides an interface that allows the payer to input the amount to be paid, the payment method, and the financial information.

In addition, in the case of using a credit card, an interface for requesting transmission of authentication information such as authentication for credit card use, for example, public authentication or assured click may be included.

In addition, if the payer's mobile communication terminal 250 is a registered number on the claimant's server 200, when a home shopping request for payment is made, the payment destination including payment address, payment method, financial information, etc. of the product is previously settled. It may be possible to provide an interface for the user to perform payment only after confirmation without inputting separately.

Thereafter, the payment information is received from the payer's mobile terminal 250 in response to the payment request (S180).

The payment information may include an amount to be paid, and may include check items, financial information, and authentication information about other products.

In addition, the financial information may be entered directly by the payer, but is automatically extracted from the electronic wallet, IC card reader, and user identification module card included in the payer's mobile terminal 250, and the payer simply enters the password. It may be input by confirming it through the back.

Thereafter, payment is performed using the payment information (S190). Such payment may be handled by accessing a server or a bank server of a credit card company using a dedicated line or an internet network.

After the payment result is notified (S200). This step informs the billing result of the billing server through the wired / wireless connection to the billing server 200 and also informs the billing result by using a text message to the billing party's mobile terminal 250. And the payer is to confirm that his payment has been completed.

Although the present invention has been described by way of example only, it is for the purpose of illustrating the invention only, and the protection scope of the present invention is not limited by these examples, the protection scope of the present invention is defined by the description of the claims Lose.

As described above, according to the present invention, even if the claimant does not know the intention of the payment of the party, such as payment of sponsorship of a political party or home shopping payment, which the conventional payment system using the callback URL cannot be applied, the payer accesses the payment system through the speed dial number. You can easily make a payment.

Claims (10)

In the payment system using the speed dial number of the mobile communication terminal that performs the payment between the terminal of the claimant and the mobile terminal of the payer, A claimant interface unit for interfacing a wired or wireless connection with the claimant terminal; A payer interface unit for interfacing a wireless connection with the payer's mobile communication terminal; Claim information storage unit for storing the claim information including the identification number for the claimant received from the claimant interface unit, A speed dial number matching unit for matching a speed dial number with respect to the billing information and transmitting the speed dial number to the terminal of the claimant; A reception number extracting unit which receives a connection using the speed dial number from the payer interface unit and analyzes the mobile communication terminal number of the payer; A text message generation unit for generating a text message including a callback URL based on the mobile communication terminal number analyzed by the reception number extracting unit and the claim information of the claim information storage unit, and transmitting the text message to the mobile communication terminal; A payment request unit for receiving a connection using the callback URL from the payer interface unit, generating a payment request based on the billing information, and transmitting the generated payment request to the mobile communication terminal; A payment processing unit receiving payment information input for the payment request from the payer interface unit and processing a payment; Payment result notification unit for transmitting the results of the payment processing unit to the server of the claimant and the mobile communication terminal of the biller through the biller interface unit and the biller interface unit; Payment system using a shortcut number of the mobile communication terminal comprising a. The payment system according to claim 1, wherein the billing information includes a billed amount and information on a billable product. The payment system according to claim 1, wherein the payment information includes an amount to be paid. Matching the shortcut number to claim information including an identification number for the claimant; Transmitting the shortcut number through a wired / wireless connection to a server of a claimant recognized as an identification number for the claimant; Receiving a wireless connection using the shortcut number; Extracting a telephone number of a mobile communication terminal of a payer who performs the connection by analyzing the wireless access using the shortcut number; Transmitting a text message including the callback URL generated based on the billing information to the extracted telephone number; Receiving a wireless connection using the callback URL from the mobile communication terminal; Transmitting a payment request including the billing information; Receiving payment information for the payment request; Performing a payment using the payment information; Notification of payment results Payment method using a shortcut number of the mobile communication terminal comprising a. The method of claim 4, wherein the billing information includes a billed amount and information on a billable product. The method of claim 4, wherein the payment information includes an amount to be paid. The method of claim 4, wherein the extracting the telephone number of the mobile communication terminal of the payer performing the connection by analyzing the wireless connection using the shortcut number comprises: Checking and storing information of the payer through a wired or wireless connection to the server of the claimant using the extracted telephone number as a key; The step of transmitting a payment request including the billing information, Generating and transmitting a payment request based on the information of the stored payer; Payment method using a shortcut number of the mobile communication terminal that includes. The method of claim 4, wherein receiving the payment information comprises: Steps to Receive Verification Information Required for Payment Payment method using a shortcut number of the mobile communication terminal that includes. The method of claim 4, wherein the notifying of the payment result comprises: Notifying the settlement result through a wired / wireless connection to a server of a claimant recognized as an identification number for the claimant; Notifying the payment result by using a text message to the mobile communication terminal; Payment method using a shortcut number of the mobile communication terminal that includes. A function of matching abbreviated numbers with respect to billing information including an identification number for the claimant, Receiving a connection using the shortcut number; Analyzing a connection using the speed dial number and extracting a telephone number of a mobile communication terminal which is connected; Transmitting a text message including the callback URL generated based on the billing information to the extracted telephone number; Receiving a connection using the callback URL from the mobile communication terminal; Transmitting a payment request including the billing information; The ability to receive payment information, A function of performing a payment using the payment information; Notification of payment results A computer-readable recording medium having recorded thereon a program for realizing the problem.

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