KR20060093575A - Method for settling using a portable phone - Google Patents

Abstract

The present invention provides a payment method using a mobile phone, the method comprising: a payment server receiving a mobile phone number and payment amount information from a merchant terminal installed in an affiliate store through a van company server; Determining whether the payment server is a mobile phone that can be paid according to the mobile phone number; Generating an authentication number and transmitting the authentication number to a mobile communication company server when the payment server is a wireless terminal that can pay according to the mobile phone number; Transmitting a short message (SMS) for the authentication number from the mobile communication company server to the wireless terminal using the authentication number transmitted by the payment server; Inputting and receiving an authentication number transmitted from the payment server to the wireless terminal to an affiliated store terminal; Determining, by the payment server, whether the authentication number received from the affiliated store terminal is identical to the authentication number stored in the authentication number management unit; Transmitting, by the payment server, the authentication number transmitted from the affiliated store terminal and the authentication number stored in the authentication number management unit to the mobile communication company server and the affiliated store terminal for requesting payment and completing payment; Receiving, by the mobile telecommunication company server, information on the completion of payment received from the payment server and transmitting the received information to the wireless terminal; And calculating the settlement amount in the settlement server.

Description

Payment method using mobile phone {METHOD FOR SETTLING USING A PORTABLE PHONE}

1 is a block diagram of an embodiment of a system for making a micropayment using a mobile phone approval number according to the present invention.

2 is a block diagram of a payment server for making a small payment using a mobile phone approval number according to the present invention.

3 is a flow chart of a method for making a micropayment using a mobile phone according to the present invention.

Figure 4 is a flow chart according to the settlement process for making a small payment using a mobile phone according to the present invention.

The present invention relates to a payment method using a mobile phone, and more particularly, a mobile phone that enables a small payment after checking the credit status of a mobile phone subscriber using a consumer's mobile phone and a seller's credit card inquiry or a WEP POS terminal. It relates to a payment method used.

In modern society, magnetic credit card and cash card are becoming a big flow of commerce settlement and cash withdrawal means that it is expressed as plastic money society. In particular, the e-commerce payment field is almost entirely made up of credit cards.

As the use of cards in place of real money has become mainstream, the number of cards issued is rapidly increasing, resulting in damages to customers due to card falsification, modification, loss and theft, and intrusion of professional hackers into the financial computer network. Doing.

Therefore, in the case of a credit card, if an individual is lost or forged by an offender, there is no way to prevent the current credit card operating system.

The only way to compare the signature on the back of a credit card with the signature on the payment receipt at an offline merchant is the only means, and there are many opinions that it is almost ineffective.

The same applies to banks' cash and debit cards. Recently, some domestic banks' cash cards have been forged and tampered with, and there is a problem that banks and customers suffer enormous mental and physical damage due to leaked passwords.

Currently, a method of making a payment using a mobile phone online has been commercialized.

In the online payment method, when a user inputs an amount and a phone number using the Internet, the administrator notifies the user's mobile phone of the authentication number.

Then, the user enters the authentication number given through the Internet, the administrator is to settle payment to the mobile carrier.

The problem of using the online payment for micropayments has been a problem in that it is difficult to spread micropayments because an Internet line and a PC are required.

The present invention is to solve the above problems, an object of the present invention is to enter the mobile phone number to the server via the Key In method or WEB POS system to the credit card inquiry, and to generate a authentication number in the server to the wireless terminal After the transmission, the authentication number is inputted to the credit card inquiry through the Key In method or the WEB POS system, and then transmitted to the payment server to provide a method of making a payment.

In order to achieve the above object, the present invention provides a payment method using a mobile phone, comprising: receiving, by a payment server, a mobile phone number and payment amount information from a merchant terminal installed in an affiliate store through a van company server; Determining whether the payment server is a mobile phone that can be paid according to the mobile phone number; Generating an authentication number and transmitting the authentication number to a mobile communication company server when the payment server is a wireless terminal that can pay according to the mobile phone number; Transmitting a short message (SMS) for the authentication number from the mobile communication company server to the wireless terminal using the authentication number transmitted by the payment server; Inputting and receiving an authentication number transmitted from the payment server to the wireless terminal to an affiliated store terminal; Determining, by the payment server, whether the authentication number received from the affiliated store terminal is identical to the authentication number stored in the authentication number management unit; Transmitting, by the payment server, the authentication number transmitted from the affiliated store terminal and the authentication number stored in the authentication number management unit to the mobile communication company server and the affiliated store terminal for requesting payment and completing payment; Receiving, by the mobile telecommunication company server, information on the completion of payment received from the payment server and transmitting the received information to the wireless terminal; And it relates to a payment method using a mobile phone comprising the step of calculating the payment amount in the payment server.

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

1 is a block diagram of an embodiment of a system for making a small payment using a mobile phone approval number according to the present invention, Figure 2 is a block diagram of a payment server for making a small payment using a mobile phone approval number according to the present invention to be.

That is, as shown in the drawings, the micropayment system using the mobile phone approval number according to the present invention, the wireless terminal 100, the mobile phone number and authentication means that the consumer pays to purchase goods using the mobile phone at the merchant Merchant terminal 200 installed in a plurality of credit card merchants so that payment is possible only by the number, the mobile carrier server 300 to perform the SMS processing and authorization number management to send to the consumer, the server to verify the transmitted authentication number In the case of the same as the authentication number of the mobile phone payment is approved for payment and the results are transmitted to the wireless terminal 100 and the merchant terminal 200, respectively, the payment server 400 and the payment server 400 is connected to the V to transmit the information to the payment server 400 when the mobile number is input from the wireless terminal 100 through the merchant terminal 200 AN company server 500 is comprised.

The VAN company server 500 is a relay server that requests approval from the credit card company according to the card type of the credit card user. The VAN company server 500 lends a line from a public communication service provider and provides a service by increasing value added with a high communication processing function. do.

The VAN company server 500 serves to request payment approval from the credit card company when the card information is input, but in the present invention, the VAN company server 500 is linked to the payment server 400 so that the VAN company server 500 may be transferred from the merchant terminal 200 to the mobile phone number. If the information is to be transmitted, it serves to transmit to the payment server 400.

The wireless terminal 100 is a mobile phone of the consumer who wants to pay the payment fee through their own mobile phone, and informs the mobile phone number to the merchant where the credit card inquiry machine or the WEB POS terminal is installed and the authentication number generated by the payment server. As a terminal receiving the transmission, refers to a mobile terminal that is always carried by the consumer in place of a credit or debit card.

The merchant terminal 200 is a device installed in the merchant for a general payment in the merchant, if the consumer wants to pay using a mobile phone, the customer's mobile phone number and payment amount in the key card method to the credit card inquiry It is configured to send a mobile phone number and payment amount to a payment server via HTTP.

The mobile communication company server 300 is configured to receive the payment approval and payment rejection information from the payment server 400 and transmit the SMS to the wireless terminal.

That is, the mobile telecommunication company server 300 determines whether the mobile phone can pay in the payment server 400 and receives the result.

At this time, in the case of a wireless terminal 100 for payment, the authentication number transmitted from the payment server 400 is transmitted to the wireless terminal 100, and in the case of a mobile phone that is not payable, the contents of the rejection are received from the payment server. It is configured to transmit the SMS to the wireless terminal (100).

The payment server 400 pays the authentication number received from the wireless terminal 100 through the affiliated store terminal 200 in the key in method or the authentication number stored in the WEB POS terminal is the same as the previously stored authentication number. Approved, and transmits the result to the mobile communication company server 300 to transmit the result via SMS.

In addition, the payment server 400 is An interface 410 for communicating with the affiliated store terminal 200, the mobile communication company server 300, and the VAN company server 500, and stores the information transmitted through the interface, and a small amount of payment and payment Storage unit 420 for storing the amount of money, input unit 430 for inputting so that the small amount of payment and the amount of payment stored in the storage can be viewed, mobile phone number and payment transmitted through the interface Authentication number management unit 440 for generating the authentication number of the mobile phone according to the amount, the output unit 450 and the storage unit for transmitting the information of whether or not the mobile phone to the mobile communication server through the authentication number management unit and the storage unit ( 420 to control unit 460 for controlling the function of the output unit 450 is configured.

The interface 410 is provided to communicate with the affiliated store terminal 200, the mobile communication company server 300, and the VAN company server 500 to provide information of customers registered with the affiliated store.

The storage unit 420 stores the mobile phone number and payment amount information of the consumer input through the interface.

The input unit 430 is configured to be able to search by inputting a small payment use amount and a payment amount stored in the storage unit from the outside.

The authentication number manager 440 generates an authentication number using the mobile phone number and payment amount information stored in the storage unit, and stores and manages the generated authentication number.

The controller 460 is configured to control the functions of the storage unit 420 to the output unit 450.

3 is a flow chart of a method for making a small payment using a mobile phone according to the present invention, the payment method of the merchant using the mobile phone is described.

First, the consumer performs the oral delivery of his or her mobile number to the employee or seller of the merchant (S11).

That is, when a consumer visits a merchant and purchases a certain item or uses a service, the seller of the merchant presents a payment method such as cash, credit card, check, etc. to the consumer.

At this time, the consumer wants a payment method through the mobile phone number, orally delivers the mobile phone number to the employees or merchants of the merchant.

Next, the merchant terminal performs the step of inputting the number and payment amount information of the wireless terminal to the credit card inquiry in a key in method (S13).

That is, the merchant or employee of the merchant enters the mobile phone number and the payment amount in the merchant terminal, and the input information is transmitted to the payment server through the VAN company server.

The VAN company server transmits to the payment server when the mobile phone number is input from the affiliated store terminal in connection with the payment server, and processes the card number when the card number is input from the affiliated store terminal.

In this case, the affiliated store terminal may use a WEB POS terminal, which is a terminal used to check and manage in real time anytime, anywhere through the Internet when using a credit card inquiry machine and the operation status of the site as mentioned above. .

Next, the payment server determines whether or not the mobile phone is payable and performs the step of generating an authentication number.

That is, the payment server receives the mobile phone information and payment amount inputted from the merchant terminal through the VAN company server to determine whether the mobile phone that can pay the amount related to the payment fee to the mobile phone of the consumer is a mobile phone that can be paid After generating the authentication number is transmitted to the mobile communication company server, and after determining whether the authentication number input from the wireless terminal is the same, the payment approval information is transmitted to the merchant terminal to purchase the goods.

On the other hand, as a result of the determination in step S15, the payment server transmits the contents of the rejection to the mobile communication company server in the case of a mobile phone difficult to pay the amount related to the payment fee to the mobile phone of the consumer by using the SMS using the SMS The transaction between the consumer and the merchant is terminated by transmitting the information about the payment approval failure to the merchant terminal.

Next, as a result of the determination in step S15, the payment server checks the integrated payment amount of the mobile phone and generates an authentication number and transmits an SMS to the mobile communication company server in the case of a payable mobile phone.

Next, the mobile telecommunication company server performs the step of transmitting the authentication number sent from the payment server to the wireless terminal using the SMS (S19).

Next, the consumer informs the seller or the employee of the authentication number received from the mobile communication company server, and the employee of the affiliated store performs the step of inputting the authentication number to the merchant terminal in the key in method (S21).

That is, the authentication number input to the merchant terminal is transmitted to the payment server through the VAN company server.

Next, the payment server performs a step of determining whether the authentication number received from the merchant terminal and the authentication number previously stored is the same.

That is, the payment server determines whether the authentication number transmitted from the mobile communication company server to the wireless terminal is the same as the authentication number previously stored in the storage unit.

As a result of the determination in step S23, when the authentication number transmitted from the affiliated store terminal and the stored authentication number are not the same, the payment server transmits an SMS of the content of the rejection to the mobile communication company server and at the same time to the merchant terminal. Also, the payment approval information is transmitted (S24) and the transaction is terminated.

Next, as a result of the determination in step S23, the payment server, if the authentication number transmitted from the merchant terminal and the authentication number stored in the payment server is the same, the payment request and payment complete SMS sent to the mobile communication company server And transmitting the payment approval information to the affiliated store terminal. (S25)

Next, the mobile telecommunication company server performs the step of transmitting the SMS information received from the payment server to the wireless terminal (S27), and performs the step of calculating the payment amount according to the wireless terminal (S29).

The step S29 will be described in detail with reference to FIG. 4.

Through the above process, a process of making a small payment using a mobile phone has been described in a flowchart.

The payment server is configured to allow the consumer to access the payment server through the WAP and WEB at any time to check the mobile payment amount and the amount that can be paid.

In addition, not only a method of inputting a mobile phone number and a payment amount through the credit card inquiry machine at a merchant, a mobile phone number and a payment amount may be input to a merchant using a WEB POS terminal and transmitted to the payment server via HTTP.

Figure 4 is a flow chart according to the settlement process for making a small payment using a mobile phone according to the present invention.

First, the mobile telecommunication company server performs a step of billing the mobile terminal with the small amount of payment of the mobile phone to the wireless terminal (S41).

That is, the mobile telecommunication company server bills the consumer together with the mobile phone fee used for a certain period of time and the mobile phone micro payment amount.

Next, the step of paying the mobile phone bill and the mobile phone payment amount from the consumer to the mobile carrier.

Next, the payment server performs a step of receiving the remaining amount of money excluding a predetermined fee for the mobile communication fee and the mobile phone payment amount from the mobile communication company server to the mobile communication company server.

That is, the mobile telecommunication company is paid for the mobile phone bill used in a certain period and the fee for the mobile phone payment.

Next, the payment server checks the fee for the micropayment received from the mobile carrier and then performs a step of paying the remaining amount to the affiliated store after excluding a certain amount of fee (S47).

Next, a step of enabling the consumer to inquire about the details of the payment of the small amount of the mobile phone is carried out (S49).

That is, in step S49, the consumer can access the payment server through the WAP and WEB so that the consumer can inquire information related to the amount paid.

Through the above process, when the consumer makes a small payment using a mobile phone, the settlement process has been described.

The present invention is not limited to the embodiments described above, and various modifications and changes can be made by those skilled in the art, which are included in the spirit and scope of the present invention as defined in the appended claims.

As described above, the payment system using the mobile phone of the present invention makes a small payment through a credit card inquiry machine or a WEP POS terminal installed in an affiliated store, and the payment means through the existing device installed without a separate device. There is an effect that can provide.

In addition, the payment system using the mobile phone of the present invention has the effect that any mobile phone, regardless of the type of the mobile phone can be purchased through the mobile phone micropayment in the offline store using only the mobile phone number and the authentication number.

Claims (4)

In the payment method using a mobile phone, (A) receiving a mobile phone number and payment amount information from the merchant terminal installed in the merchant terminal through the van (VAN) company server (S13); (b) determining whether the payment server is a mobile phone that can be paid according to the mobile phone number (S15); (c) generating an authentication number and transmitting the authentication number to a mobile communication company server when the payment server is a wireless terminal that can pay according to the mobile phone number (S17); (d) transmitting a short message (SMS) for the authentication number from the mobile communication company server to the wireless terminal with the authentication number transmitted from the payment server (S19); (e) inputting and receiving an authentication number transmitted from the payment server to the wireless terminal to an affiliated store terminal (S21); (F) the payment server determines whether the authentication number received from the merchant terminal and the authentication number stored in the authentication number management unit is the same (S23); (g) when the payment server is identical to the authentication number transmitted from the affiliated store terminal and the authentication number stored in the authentication number management unit, transmits a request for payment and information on payment completion to the mobile communication company server and the affiliated store terminal. Step S25; (h) receiving, by the mobile telecommunication company server, information on the completion of payment received from the payment server and transmitting the received information to the wireless terminal (S27); And (i) a payment method using a mobile phone, comprising the step (S29) of calculating a payment amount in the payment server. The method of claim 1, In step (i), Allowing the payment server to bill a payment amount and a mobile communication fee together with the wireless terminal (S41); Receiving, by the payment server, the remaining amount excluding a predetermined fee for the mobile communication fee and the mobile payment amount from the mobile communication company server (S43); and After the payment server checks the fee for the micropayment received from the mobile communication company server and pays the remaining amount after excluding a certain amount of fees (S47) characterized in that it comprises a payment method using a mobile phone. The method of claim 1, Merchant store terminal in the step (a) to (g), A payment method using a mobile phone, characterized in that it comprises at least one of a credit card inquiry machine or a Web POS terminal to be installed in the merchant to enter the mobile phone number and payment amount. The method of claim 1, The wireless terminal is connected to the payment server through the WAP (WAP) and the Web (WEB) to make a payment method using a mobile phone, characterized in that the mobile phone micropayment payment amount and the payment amount can be viewed at all times.

Images