KR20060072838A - How to provide account information for electronic payment - Google Patents

Abstract

The present invention relates to a method for providing account information of a buyer in electronic payment. In other words, use the mobile phone number of the mobile communication device to charge the purchase price in addition to the communication fee, or associate the mobile phone number (virtual account) with the actual financial account and enter the phone number instead of the account information. In a normal electronic payment method to

This is the account that the buyer will pay for their purchases, such as an account entry step in the payment window that appears after you select an item on a merchant site on the Internet, or a payment account that is presented to the payment agency server when you sign up. By providing information on the charge generation means of an account which is directly debited, the financial institution finds the account number to be paid by the buyer from the charge generation means information of the buyer, and uses the same to remind the buyer of the amount to be paid. A method of completing an electronic payment, characterized in that withdrawal from a found account (an account for which charges are generated by automatic transfer) is transferred to a merchant account notified by the payment agency server, excluding the payment agency fee. Account information input (presentation) method.

The present invention as described above is characterized in that the payment operation is very easy when purchasing goods on the ON OFF LINE. In other words, after selecting a product by using a mobile device owned by the buyer, press any number presented by the seller (virtual phone number), press the call button, and hear the ringing tone. . In addition, the present invention has the advantage that the payment is possible without the use of the customer's credit information of the mobile carrier, and also without seeking the cooperation of the carrier's communication charge billing, and the seller pays the sale price immediately after sale Because it can be recovered, there is an advantage of not being pressured by the funds, and the buyer does not know his or her actual account information, and the effect is that payment is performed in real time in the real account, and there is no need to press any account number. It is very easy to use, and buyers can either visit a financial institution directly or visit a financial institution's site to apply for membership registration and Internet banking in order to associate their mobile device phone number with any of their real accounts. And submit a public certificate. Doemeuro you do not have to because there is a very-good effect of the use of accessibility for users. In addition, real-time account transfers are possible, making it possible to settle larger amounts as long as there are deposits in the buyer's account.

Description

How to provide account information for electronic payments {omitted}

1 is an example of a system configuration of the present invention

※ Explanation of major symbols in the drawings

1.Payment agency server 2.Seller server

3. Buyer Server 4. Financial Institution Server

5. Mobile carrier server 6. Buyer mobile communication device

The present invention relates to a method for providing own account information that a user must input when executing payments during electronic commerce on the Internet or mobile banking using a mobile phone.

In the conventional method, when e-commerce on the Internet, a buyer selects an item on a seller's site, clicks a payment request button, and then, in the payment window that appears, the user's real account (bank account or credit card account) or a virtual account linked to the real account is displayed. Enter your account number and password.

When sending money using another electronic payment method, mobile banking, access a bank server through a mobile communication network and an internet network using a mobile communication device, and input his or her real account number and password or a virtual account number and virtual password associated with it. did. Alternatively, when making small payments, enter your mobile phone number and social security number, and pay the amount charged in advance to the communication charges of the entered phone number, and make sure that the entered mobile phone number is your own phone number. There was also a method of confirming by using the customer information of the mobile carrier and through the process of checking whether the payment requester currently owns (occupied) the mobile communication device of the phone number.

In the conventional payment method as described above, the account information input method has all entered a number consisting of a series of numbers. If the account information is a real account, most users do not memorize their real account number, so they usually find and check the account, enter a 12-digit account number, and also remember the password (usually 4 The number of digits) was very inconvenient, and if the passbook was stored at home, it was inconvenient to call home and check the account information and make a note of the money transfer or payment. If you do not have someone at home to check the number, there was a disadvantage that you can not transfer or pay at all. There was also a security problem due to hacking by entering their actual account number and password on the Internet.

Complementary to the conventional technology has been to use their own unique number (resident registration number or phone number, etc.) easy to memorize as a virtual account number and linked it to their real account and used for remittance or payment. This conventional virtual account technology was useful to solve the problem of not memorizing the account information, but in order to use for wire transfer or payment using a virtual account, visit a financial institution in advance or visit on the Internet to connect the virtual account with the real account. There was an uncomfortable disadvantage of requiring a virtual account registration process. This process can cause a big illegal financial accident when someone registers their virtual account in another account, so you need to visit the bank with your ID card and seal to fill out and sign the Internet banking application. It was. In addition, even if you visit a bank on the Internet to register a virtual account, you must be a person to obtain a public certificate from the certification authority on the Internet for this purpose was inconvenient. In other words, there is a disadvantage that can not be used easily and casually because the above barrier for using a virtual account at the beginning.

Another conventional technique proposed to solve this problem is that when a user purchases a product from a seller site on the Internet and enters his / her mobile number while selecting to be charged according to a mobile phone bill as a payment method in a payment window, a payment agency accordingly Sends an authorization number in the form of an SMS short message to the mobile phone number entered by the buyer, enters this number into the payment window, and sends it to the payment agency, whereby the payment agency presents the authorization number presented to the buyer and If it is determined that the authorization number entered in the payment window is matched, and it is matched, it is determined that the occupant (owner) of the mobile phone number entered in the payment window is requesting payment, and the mobile phone of the number is able to pay the communication fee with confidence. And also postpones your communication charges for the amount that you paid for. If the carrier asks if it is possible, the carrier will refer to its customer credit information DB to notify the customer that payment is possible, and accordingly, the billing agent notifies the seller of the payment and delivers the goods to the buyer. In addition, the mobile carrier was settled by the method of claiming the payment in the mobile phone bill included in the post-pay bill. This method is mainly used for micropayment, and is widely used due to the ease of access that is easily accessible to the user. However, the payment method charged in accordance with the mobile phone fee must use the customer's credit information DB of the mobile carrier, and also because the mobile carrier has to charge the payment amount in accordance with the communication fee, that is, a large portion of the payment must be requested to the mobile carrier. As a result, the mobile carrier requires a lot of fees. Accordingly, the mobile carrier fee (about 5%) and the payment agency fee (about 3%) are combined, resulting in a high fee being charged to the seller. This resulted in an increase in the cost of purchasing an item or content to the consumer, thereby causing a financial damage to the consumer (buyer). In addition, due to the billing in addition to the communication charges, the seller receives the selling price 2-3 months after the sale of goods or content, which has the disadvantage of causing a pressure on the seller.

In order to solve the problems of the conventional electronic payment as described above, the present invention does not require the user to remember his or her actual account number, and also does not have to enter his or her actual account information on the payment window of the seller site. It also eliminates the need to use your carrier's customer credit information, and also provides you with information about your account that users (buyers) can easily remember without requiring them to bill you for your bill. By providing information to the payment agency through the seller, or information related to the account to be settled at the time of signing up to the payment agency server, and thus informs the financial institution (bank, credit card company) of the account related information, accordingly In financial institutions, it is possible to obtain a Hayeoseo to withdraw cash used for payment, there is no risk of exposure of information about actual account from hacking, but also to suggest how a settlement fee and cheaper, you can also pay a quick payout for the seller.

[Configuration]

The system configuration of the present invention is as follows.

That is, the system configuration of one example of the present invention is configured as shown in FIG. That is, the payment agency server 1 performs identity verification using known identity verification methods, and receives the buyer's account related information from the seller server 2 and notifies the financial institution server 4 of the settlement and completes the payment. A billing agency server 1 having a function of receiving a signal from the financial institution server 4 and notifying the seller server 2 and the buyer computer 3 or the buyer mobile communication device 6, the buyer's account information and Seller server 2 that notifies the payment agency server 1 of the product information (product number, product type, amount, etc.) and seller's own information (seller membership information, etc.) to be sold, and purchases and announces the goods. Buyer's computer (3) and buyer's mobile device (6) proving their identity in response to their authentication method, and the buyer's "account-related information" notified from the payment agency server (1). The financial institution server 4 and the payment agency server 1 which find the left and accordingly withdraw the price of the goods from the buyer's actual account and perform the transfer to the account of the seller notified from the payment agency server 1 are notified. It includes a mobile carrier server (5) that checks whether the communication device telephone number and the owner information is correct by using their own personal information DB and notifies the billing agency server (1), and the Internet network and mobile communication network do.

In the configuration of the present invention, the "account-related information" of the buyer may be an account of the "transfer fee of the mobile phone number is automatically transferred" as an example, or the account of the automatic transfer of the phone bill of their home phone number It may be a bank account or an account to which a fee for using an Internet high speed network (ADSL, etc.) is automatically transferred. In the configuration of the present invention, when the "account related information" is "an account for which the communication fee of the mobile communication device is automatically transferred", the mobile communication device telephone number of the purchaser is input for identity verification, If the number is still considered a means of incurring charges associated with the buyer's direct debit account, but the mobile device is not a means of incurring the charges of the buyer's direct debit, information on the means of incurring charges in the payment window (e.g., landline telephone) Number, or ADSL usage fee, etc.) and the purchaser's mobile phone number for identification purposes.

[Action]

The operation of the present invention will be described in detail with reference to the embodiment of the electronic payment process during electronic commerce on the Internet as follows.

Example 1

1. Membership Steps:

The purchaser sends information to his payment agent server (1) with his / her personal information (name, social security number, mobile device phone number) and account-related information (e.g., account for which the mobile device usage fee is automatically debited) Financial institution name and password for payment of the present invention), and the seller provides his / her personal information (trade name, address, phone number) and account information (account number for deposit, etc.) to register as a seller member To be provided.

2. Determination of purchase and provision of account related information:

A buyer visits a seller's site on the Internet using his computer (3) or his mobile communication device (6) to select goods, content or services to purchase, and the amount of the payment is withdrawn in the account entry field on the payment window that appears. Enter your own "account related information" (e.g., account for which the mobile communication charges of your own 010-1111-1234 mobile phone number are automatically transferred) and your mobile device phone number for identity verification, or For example, if you select "Account to which your mobile communication charges are automatically debited", for example, and choose "Account to which your own mobile payments are automatically debited" as the account to pay, then the transfer Enter the communication device phone number field, and enter your mobile device phone number here. Although the input of the telephone number is omitted, the payment agency server may know the telephone number of the mobile communication device of the payment requester. Accordingly, the seller server notifies the payment agency server 1 of its information (seller's member number, etc.), sales amount information, and "account related information" input by the buyer. If necessary in this step, the buyer may be configured to enter the password for the present invention payment.

3. Identification step:

With the purchaser's mobile device phone number and password (if entered) that the buyer knew in step 2, the payment agency verifies the buyer's identity using his / her membership information database, and confirms the buyer's identity information and the buyer Transmits the mobile communication device telephone number claimed to be the owned mobile communication device to the mobile communication company server 5 and requests confirmation thereof. Accordingly, the mobile communication service provider server 5 receives the notification using the customer information DB. The identity information of the party and the identity of the mobile communication device telephone number of the identity is confirmed, and the result is notified to the payment agency server (1).

4. Identity verification (occupancy verification) step:

If the identity of the buyer (eg, social security number) -mobile communication device telephone number " is correct in step 3 above, it is determined whether the person requesting payment is currently occupying (owning) the mobile communication device of the mobile communication device telephone number. In other words, the payment agency server sends a known approval number in the form of a short message to the mobile communication device telephone number entered by the buyer, and the buyer who received the approval number enters it into a payment window on the Internet, and then The payment agency server 1 compares the authorization number sent by the authorization number entered through the Internet network to verify whether or not the identity is matched, or as a verification method proposed by the applicant in advance, on the payment window on the Internet. The billing agency server 1 presents the virtual phone number to the buyer computer 3, and also the virtual phone number To notify the mobile telecommunication company server 5 to register the telephone number of its own (payment agency server) as the self-phone number with the parent phone number. To execute a phone call, and accordingly the caller's telephone number of the person who has executed the phone call and the virtual telephone number used by the caller as a receiving number are notified from the mobile communication company server 5 or the billing agency server 1 directly. It finds out, and then compares the presented virtual telephone number with the presented virtual telephone number which the purchaser used as the receiving number to determine whether the user is occupied (owned).

5. Notification of Account-related Information:

If the identity is confirmed in step 4, the account number of the seller is found in the DB using the seller information (seller membership number, etc.) notified from the seller server 2 in step 2, and accordingly, the payment agency server 1 Notifies the buyer's declared financial institution server 4 of the seller's account number, the buyer's account information (e.g., an account with which a few charges are automatically transferred) and the amount to be paid.

6. Execution Steps for Bank Transfer:

Find out the buyer's direct debit account using the buyer's "account information" and the bank's direct debit customer's direct debit account DB notified in step 5, and accordingly pay in the buyer's corresponding debit account. After withdrawing the amount to be paid, transfer the amount excluding the fee to the seller's account to complete the payment, and with the payment completion signal, the payment agency server (1) To be informed. If necessary, the payment agency server 1 requests the payment agency server 1 from the buyer's account to the payment agency account. Once the payment has been transferred, the payment agency server receives a signal to the buyer to receive the goods. It can also be executed.

7. Notification Step of Completing Payment:

The payment agency server 1, which has received the payment completion notification of the sixth step, notifies the purchaser computer 3 of the amount paid with the payment completion signal, and furthermore, the seller server 2 informs the payer (buyer) information (name) , Phone number, address, etc.) and the payment amount, purchased goods information, transaction number, etc., and asks the buyer to quickly deliver the purchased goods.

In the above description, the purchaser purchases goods, contents, services, etc. on the ON LINE, that is, the seller site on the Internet using the purchaser computer. However, the above embodiment can also be used when a purchaser purchases an object, content or service by accessing the Internet through his mobile communication device 6. In this case, since the purchaser is already connected to the Internet with the mobile communication device he has occupied, the payment agency server 1 regards the mobile communication device occupant as the owner of the mobile communication device. Find out the mobile device phone number of the user, and if the buyer purchases goods, content, or services with their mobile device, if the amount is less than a certain amount, the separate mobile device phone number input process and Transfer the amount to be paid in the account (which may not be the buyer's own account, i.e. the account in the name of the buyer's parents) where the mobile communication device charge of the phone number is automatically transferred without confirmation (occupancy verification). It can also be configured to pay for purchases. Of course, if the payment amount is larger than the above case it is also possible to enter the buyer's password for the present invention payment. Of course, if the buyer does not have a separate payment method when signing up to the payment agency server (1), if the payment is less than a certain amount, the relevant direct debit is made by using the account-related information provided by the buyer when signing up. It may be configured to register as a member by notifying and agreeing that payment will be made in the account.

Example 2

This embodiment is an embodiment in which the present invention is executed in an OFF LINE by applying the account information input (notification) method of the present invention to a prior application patent (Application No. 10-2004-0108321).

1. Membership Steps:

Buyer sends his / her personal information (name, address, social security number, mobile device phone number, etc.) to the payment agency server 1 and the account related information (mobile account charges to which the fee for using the mobile communication device is automatically transferred) The name of the financial institution of the account and the password for payment of the present invention), and the seller provides his / her personal information (trade name, address, telephone number) and account information (account number for deposit, etc.) to register as a seller member. You will be provided with a seller number.

2. Notification of product information, product price and presentation of virtual phone number:

When a buyer visits a seller's store on the OFF LINE and selects an item, the seller uses his computer (2) to notify the payment agency server of the product information and price selected by the buyer and his or her information (seller's membership number, etc.). Therefore, the payment agency server 1 creates and stores the "seller information (member number, etc.)-Money-transaction number" data, and then operates the virtual phone number generating means (program) to store the virtual phone number generated by the seller. Notify the server 2 to be presented to the buyer, and also notify the mobile phone server 5 of the virtual phone number to move to the self-phone number whose telephone number is the parent phone number. It is made to register with the communication company server 5. Subsequently, "virtual phone number-seller member number-transaction number-value" data representing the seller, what transaction number, and amount of the virtual phone number is presented in the transaction is stored in the payment agency's own server. .

3. Call the virtual phone number:

The seller server 2 requests a phone call to the buyer's mobile communication device 6 while showing or verbally notifying the buyer of the virtual phone number notified from the payment agency server 1, and accordingly, the buyer Connects a telephone call to the virtual telephone number presented using the mobile communication device 6 owned by the user.

4. Caller Tracking Steps:

The mobile carrier server 5, which detects that the virtual number is the incoming phone number, among other incoming phone numbers, immediately checks the calling party number by checking the calling party number, and then "incoming phone number (virtual phone number)-calling party number. And extracts and stores the data, and then notifies the payment agency server 1 of the "receiving telephone number (virtual phone number)-caller's telephone number" data. The telephone number of the payment agency server 1 is In the case of a telephone number having a large number of incoming lines, the billing agency server 1 directly tracks the calling party number and also checks the incoming telephone number to directly evict the "receiving telephone number (virtual telephone number) -caller telephone number" data. Then, the payment agency server stores the "receiving phone number (virtual phone number)-caller's phone number" as "presented data". The "Virtual Phone Number-Seller Member Number-Transaction Number-Amount" material obtained in step 2 above and the "Virtual Phone Number-Calling Party Phone Number" data obtained in this step are combined to "Calling Phone Number-Seller Member Number-". Make a transaction number-value data and save it. Who said above, from any seller. You can see which transactions you made and for what amount. In addition, the purchaser's account-related information can be obtained according to the present invention using the caller's telephone number, and the account number for the deposit of the seller can also be known by the seller's member number. In this step, unlike the first embodiment, since the person who has the mobile communication device of the calling party number has already called, the occupancy check of the mobile communication device according to the first embodiment is not performed separately.

5. Notification of Account-related Information and Request for Account Transfer:

Using the data obtained in steps 2 and 4, the payment agency server 1 is a mobile communication device telephone that is the buyer's account-related information (accounts for which the communication fee of this number is automatically transferred while presenting the mobile communication telephone number). The payment request is made while notifying the financial institution server 4 of the number, the seller account number and the payment amount. In this case, it may be convenient for signal processing to include a number representing the name of the financial institution in the signal.

6. Notification steps for bank transfer and payment completion:

The financial institution server 4, which has been informed of the purchaser account-related information (information of the telephone number of the mobile communication device and the account of which the communication fee of this number is automatically transferred), the amount to be transferred, and the seller's account number, is moved in step 5. The mobile communication device which the communication fee is automatically transferred, the account number for the automatic transfer of the account number is found in the DB that the buyer's communication fee is automatically transferred from his DB containing the information, and accordingly the mobile communication fee of the buyer is automatically transferred Withdraw the amount to be paid from the account and transfer the amount excluding the fee to the seller's account to complete the payment.If necessary, the payment agency server is first transferred from the buyer's account to the payment agency's account and then signaled by the buyer's receipt of goods. ) Can be configured to be transferred from the payment agency account to the seller account again by the payment request signal. When the payment is completed, the payment agency server 1 notifies the seller server 2 of the information such as the amount paid, the seller (remittee), the payer (remitter), and the date and time of payment. To be provided. In addition, the purchaser mobile communication device 6 may notify the amount of payment and the signal for completion of payment in the form of a short message.

In the above embodiment, the account-related information means the fee generation means that is automatically transferred as described above.

The second embodiment can also be used for payment at the time of home shopping purchase on the OFF LINE. That is, the payment agency server 1 receives a product number of the product to be sold by notifying the payment agency server 1 of the product to be displayed in the home shopping in advance, and the payment agency server 1 stores the product number as a virtual phone number and the mobile carrier server 5 at the same time. After registering, the telephone number of the user (payment agency server) is registered as the self-phone number with the parent phone number, and the buyer selects the product with the product number of the present invention while watching TV home shopping as in the second embodiment. After pressing the product number using their mobile communication device (5) by connecting the currency payment amount is withdrawn from the actual financial account to which the mobile communication charges are automatically transferred to complete the payment. Such a payment method in TV home shopping as well as a payment method in ON LINE has been proposed in his prior application patent application No. 10-2004-0108321, and not only in the prior application technology of his own, but also in all conventional electronic payment methods. The present invention can be combined and this case also shows the effect of the present invention below. In addition, the buyer of the present invention "account-related information" is also sent to the carrier server to ask whether the charges displayed in the "account-related information" is a charge for automatic transfer, accordingly the carrier server using the customer's direct debit account DB Of course, it may be configured to check and notify the billing agency server of the relevant information.

As described above, the present invention selects a product from the ON-OFF LINE and then presses a certain number (virtual phone number) presented by the seller (shoe notification or presented as a product number on a TV screen) by using a mobile device owned by a buyer. Just press the call button, the payment is completed, it is very convenient to use. In addition, the present invention has the advantage that payment is possible because the payment is possible without using the customer credit information of the mobile carrier, and also without seeking the cooperative billing in accordance with the mobile carrier's communication fee. In addition, the seller can recover the payout immediately after sale has the advantage of not being pressured. In addition, the buyer can use the electronic payment of the present invention without knowing his actual account information. In addition, there is an advantage that the operation is very convenient because it does not need to press any account number. In addition, the purchaser visits the financial institution in person to fill out and sign an Internet banking application, or downloads an accredited certificate from an accredited certification institution and submits it from the financial institution site on the Internet, and then applies to the financial institution on the Internet. Users do not have to go through the process of associating their mobile communication device phone number with one of their actual accounts, thereby improving the accessibility of users. In addition, the present invention can be transferred in real time from the buyer's real account, so long as there is enough deposit balance in the buyer's account, it is also possible to pay a larger amount within the amount limit based on the security level judgment. In addition, if a buyer presses a virtual phone number and then presses his / her own payment password for the present invention, the call is made to further increase the security level.

The account information input (presentation) method of the present invention can be applied to all known electronic payment systems or electronic payment methods in addition to the above embodiments.

Claims (2)

If you enter the telephone number of the communication device, the purchase price will be charged by paying the communication fee of the above entered telephone number in advance, or paying by entering the telephone number in advance by linking the real account to the telephone number (virtual account) in advance. In the usual electronic payment method comprising a method, When paying on the ON LINE, the account to which the buyer pays his / her direct debit information (e.g. mobile phone number or landline phone number) at the step of inputting the account number or payment method on the merchant site payment window on the Internet Information instead, and enter a mobile phone number or landline phone number for identity verification, and accordingly receive an authorization number using the identity device, enter it in the payment window, or provide the buyer with a payment window. When the identity is confirmed by a known method such as making a call to the virtual telephone number of the self-applying technology presented through the above, the charge of the fee generating means (mobile communication device or landline) used for identity verification is automatically transferred. When the buyer's actual financial account is regarded as the buyer's account for payment, Buyer initiates a phone call using his mobile device with a virtual phone number that the seller receives from the billing agency server and presents it verbally or visually, so that the billing agency server learns the buyer's outgoing phone number. An electronic payment account, comprising a method of executing a payment by debiting a payment amount from a payment account of the buyer by considering a financial account in which the communication charge of the outgoing telephone number is automatically transferred as a payment account of the buyer; How to Provide Information. In the conventional electronic payment method comprising the method of using the buyer's telephone number (mobile communication telephone number or landline telephone number) at the time of electronic payment, When a purchaser connects a purchaser's own mobile communication device to a communication network and / or an internet network, the purchaser moves to the calling party's calling number connected to the communication network (Internet network, wired or wireless communication network) without inputting additional account information. A method of checking a communication device telephone number and conducting payment by considering a financial institution (bank, credit card company, etc.) account in which the mobile communication device communication charge of the phone number is automatically transferred. Method of providing account information of electronic payment.

Images