KR20060089954A - Electrical payment method and system using automatic information extraction from message - Google Patents

Abstract

Disclosed is a method and system for approving electronic payment using automatic message recognition. The disclosed method includes the steps of the prepayer and the claimant pre-registering with the electronic payment server, generating a billing message by wire or wireless, and automatically extracting information necessary for payment from the billing message sent to the terminal of the wireless communication subscriber. The method may include automatically inputting information extracted during a payment process by using an electronic chip mounted in a wireless communication terminal, and notifying a payment approval result.

Electronic payment, billing message generation, message automatic extraction, information automatic input, terminal

Description

Electronic payment method and system using automatic information extraction from message}             

1 is a flow chart showing the configuration of the electronic payment approval system using the automatic message recognition according to an embodiment of the present invention and the electronic payment approval method.

The present invention relates to a method and a system for approving an electronic payment in electronic commerce, and in detail, information required for electronic payment is automatically extracted from a message sent by a biller, and the extracted information is automatically input at the time of payment using a mobile phone. The present invention relates to a payment approval method and a system using automatic message recognition for simplifying electronic payment. The present invention provides a method for making electronic payments offline and online, and has higher reliability, convenience, and safety than conventional payment methods.

The present invention uses the database stored in the electronic payment server to check the reliability of the message sent by the billing customer via wired or wireless, and reconstructs the message in a form that the wireless terminal can extract information to send the message to the wireless terminal electronically It provides a way to perform electronic payment only by confirming the amount of money, without having to enter billing-related information and the amount of the bill. In addition, it provides a way to eliminate the electronic payment request by the malicious user by providing information about the billing in order to increase the reliability when reviewing the payment request of the financial institution. In particular, when the paying candidate has a lot of information necessary to select a payment, the billing-related information is sent to the pre-registered e-mail address with a message.

Existing electronic payments mainly include a credit card method, a bank transfer method, a short message method, and a mobile terminal electronic chip. In the case of using a credit card, security is reduced because the card information is exposed at the time of payment. In particular, when the card is handed over to another person for payment, there is a risk of copying the card by a malicious user. In the case of a method using a wire transfer, the security is high, but it has a disadvantage that there is a lot of information to be input when transferring. In particular, there is a drawback in that considerable effort must be made to check the mail delivered by mail or e-mail for payment of utility bills. In addition, the method using the short message has a disadvantage that a disadvantage may occur in the subscriber of the mobile communication terminal by using the duplicated mobile phone.

The present invention has been made in an effort to provide an electronic payment approval method using automatic message recognition, which simplifies and improves reliability compared to the related art. Another object of the present invention is to provide a system used for the electronic payment approval method.

In order to achieve the above technical problem, the present invention comprises the steps of: a) pre-registration of the bill payer and the billing party in the electronic payment server, b) generating a billing message by wire or wirelessly, c) at the terminal of the wireless communication subscriber. Automatically extracting information necessary for payment from the transmitted billing message; d) automatically inputting information extracted during payment using an electronic chip mounted in a wireless communication terminal; and e) notifying a payment approval result. It provides an electronic payment approval method using the automatic message recognition, characterized in that it comprises a step.

Step a) is a step in which the payer and the biller pre-register with the electronic payment server so that the user of the wireless communication device (payer) and the biller (including the company) may pre-register. The electronic payment server stores and manages registrations in a database. In addition, it periodically connects to the mobile communication server, investigates the changes, and makes a database of them. The payer registers the information required for the electronic payment, for example, the e-mail address, etc., with the mobile phone number, to receive the detailed information from the payer about the matter related to the payment. The biller also registers information necessary for payment, for example, the name of the financial institution, the account name, the account number, the contact information, and the like in the electronic payment server. The system is configured to enable registration through a wired or wireless connection.

Step b) allows the billing person to send a billing message for the goods or services to the mobile communication user in a particular form. The biller connects to the electronic payment server via wire or wirelessly and inputs the request from the electronic payment server. The electronic payment server receives the billing-related matters from the billing party and reconstructs the message into a form in which automatic payment is possible and transmits the message to the payer's mobile communication device. In this case, the payment information is transmitted to the e-mail address registered by the payer in advance so that the user of the mobile communication device can review the contents related to the billing. In addition, the electronic payment server checks whether the owner of the mobile communication device is changed by accessing the mobile communication server in order to prevent wrong message transmission in advance by the change of the user of the mobile communication device. In particular, any changes to the payer, such as a utility bill, can be confirmed by the owner change and inform the bill claimant that the change cannot be made if the change is not registered. After sending the message, the related information is stored in the electronic payment server and stored in the database for the purpose of checking the contents and transmitting the payment result. When a user of a mobile communication device buys a product at home shopping, when the user enters a mobile phone number in an input window to pay for the product, information required for payment is transmitted to the mobile communication device in the form of a message. In the case of payment for the apartment management fee, the billing information is transmitted to the payer's mobile communication device in a message. Billing details will be sent to your email address. In the case of utility bills, only the specific IP is allowed to access the electronic payment server, preventing access by malicious users in advance. When paying for food at a restaurant, if only the mobile communication number is delivered, the food-related message from the restaurant is transmitted to the mobile communication device.

Step c) automatically extracts information necessary for payment from the billing message sent to the terminal of the wireless communication subscriber. By default, messages sent to a mobile device are the information the mobile device user needs to determine payment, such as the billing title, the biller's name, and the amount charged, as well as an identifier for the goods and services required for payment. , Identification symbols for messages, and the like. When the payer selects the payment menu to check the message and perform the payment, the mobile communication device automatically extracts the information necessary for the payment from the message and stores it in the memory.

Step d) automatically inputs the information extracted from the message during the payment process using the electronic chip mounted in the wireless communication terminal. In this way, the payer automatically performs the payment by selecting only the payment confirmation and payment button. When the payer selects a payment method and requests approval of financial settlement using a mobile communication device, the mobile communication device automatically inputs information necessary for payment stored in a memory so that payment can be easily performed.

Step e) notifies the payment approval result. When the payment payer selects a payment method and proceeds with payment, the payment payer accesses a predetermined financial server and requests payment approval. At this time, the electronic payment server provides the information necessary for the financial institution server to determine the payment approval. When the financial server sends the result of the financial activity such as payment approval, account transfer, collateral for the account, and mobile communication fee to the payment service, the electronic payment server uses the database. The results are sent to the billing party and the payer by wire or wireless. If necessary, the payment amount should be temporarily held by a third party other than the billing or paying party, and the payment should be made after the payer, billing or intermediary is notified of the completion of the transaction or service.

By using the electronic payment approval method and system according to the present invention, the most important security and convenience in electronic payment can be achieved at the same time. It can also provide electronic payment services offline and online.

Wireless terminals have superior security compared to wired terminals, and have excellent security against cell phone duplication or loss by making payments using payment passwords. Billers can easily bill their utility bills, commodity bills, and service bills so they can accurately communicate information to many people in a short period of time. Also, the electronic payment server notifies the user of the change, so that the change can be quickly dealt with. From the point of view of the payer, when the payment is made by using a message, the payment request can be quickly confirmed. In particular, since the information required for payment is automatically extracted from the message, there is no need to enter an account name, account number, service or article number, so it is possible to proceed with electronic payment very easily and accurately. You can also easily get billed by recording changes to your address or electronic payment server when you move.

Claims (7)

a) pre-registration by the payer and biller on the electronic payment server; b) generating a billing message by wire or wireless; c) automatically obtaining information required for payment from the billing message sent to the terminal of the wireless subscriber. Extracting the data, d) automatically inputting the extracted information during the payment process using the electronic chip mounted in the wireless communication terminal, and e) notifying the payment approval result. The method and system for approving an electronic payment using an automatic message recognition system consisting of an electronic payment server having a function of storing, storing, and managing a database related to a biller and a payer in step a). The method for approving electronic payment using automatic message recognition according to claim 1, wherein the message in step b) is sent to the e-mail address designated by the mobile subscriber together with the message. The method for approving electronic payment using automatic message recognition according to claim 1, by using the electronic payment server database in step b) to compare a message with a pre-registered content and to prevent the use of electronic payment by a malicious user. The method for approving electronic payment using automatic message recognition according to claim 1, in which there is a change in ownership of the mobile communication device in step b). The method of claim 1, wherein the electronic payment approval method using the automatic message recognition, characterized in that the information automatically extracted from the message is transmitted automatically when the payment proceeds. The electronic payment approval method using the automatic message recognition according to claim 1, which provides the information required for the financial settlement server to determine the payment approval in step e).

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