KR20060103797A - System and method for authenticating user, server for transacting merchandise(or contents) and recording medium - Google Patents

System and method for authenticating user, server for transacting merchandise(or contents) and recording medium Download PDF

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Publication number
KR20060103797A
KR20060103797A KR1020050045330A KR20050045330A KR20060103797A KR 20060103797 A KR20060103797 A KR 20060103797A KR 1020050045330 A KR1020050045330 A KR 1020050045330A KR 20050045330 A KR20050045330 A KR 20050045330A KR 20060103797 A KR20060103797 A KR 20060103797A
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South Korea
Prior art keywords
customer
information
terminal
predetermined
authentication
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KR1020050045330A
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Korean (ko)
Inventor
권봉기
김재형
홍종철
Original Assignee
주식회사 비즈모델라인
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Priority to KR20050025710 priority
Application filed by 주식회사 비즈모델라인 filed Critical 주식회사 비즈모델라인
Publication of KR20060103797A publication Critical patent/KR20060103797A/en

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    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/40Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401Transaction verification
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00Commerce, e.g. shopping or e-commerce
    • G06Q30/06Buying, selling or leasing transactions
    • G06Q30/0601Electronic shopping

Abstract

The present invention provides a product (or content) trading means for performing a predetermined product (or content) transaction with the customer terminal; Authentication information requesting means for requesting predetermined customer authentication information to a customer wireless terminal; And information receiving means for receiving the information when the authentication information is transmitted from the customer wireless terminal, wherein the product (or content) transaction means comprises a product (or content) of the customer terminal based on the authentication information. The present invention relates to a customer authentication system, a method, and a product (or content) transaction server and a recording medium for approving a transaction. Accordingly, when accessing a product (or content) transaction server on a network and / or a product (or content) transaction through a predetermined customer terminal, the customer authentication procedure is input / generated / extracted to transmit predetermined customer authentication information. By performing a predetermined customer wireless terminal, there is an advantage in that the customer terminal conveniently and stably provides a customer authentication procedure for the product (or content) transaction.
Commodity, transaction, certification

Description

System and Method for Authenticating User, Server for Transacting Merchandise (or Contents) and Recording Medium}

1 is a diagram schematically illustrating a customer authentication system configured as a single server side according to an exemplary embodiment of the present invention.

2 is a diagram schematically illustrating a customer authentication system composed of a plurality of server sides according to an exemplary embodiment of the present invention.

3 is a diagram schematically illustrating a customer authentication system composed of multiple servers according to another exemplary embodiment of the present invention.

4 is a diagram schematically illustrating a customer authentication system composed of multiple servers according to another exemplary embodiment of the present invention.

5 is a diagram illustrating a customer terminal type according to the present invention.

6 is a view showing a preferred functional configuration of a customer authentication system configured as a single server side according to an embodiment of the present invention.

7 is a view showing a preferred functional configuration of a customer authentication system composed of a plurality of server side according to an embodiment of the present invention.

8 is a view showing a preferred functional configuration of a customer authentication system composed of a plurality of server side according to another embodiment of the present invention.

9 is a view showing a preferred functional configuration of a customer authentication system composed of a plurality of server side according to another embodiment of the present invention.

10 and 11 illustrate a configuration of an information storage medium according to an exemplary embodiment of the present invention.

12 is a view showing a preferred functional configuration of a customer wireless terminal according to an embodiment of the present invention.

13 is a diagram illustrating an embodiment of a customer authentication system according to an embodiment of the present invention.

14 is a view showing an embodiment of a customer authentication system according to another embodiment of the present invention.

15 is a view showing an embodiment of a customer authentication system according to another embodiment of the present invention.

16 is a view showing a customer authentication method according to an embodiment of the present invention.

17 and 18 are diagrams illustrating a method of transmitting customer authentication information according to an embodiment of the present invention.

19 is a diagram illustrating providing customer identifier information from a customer terminal to a server side according to an exemplary embodiment of the present invention.

20 is a diagram illustrating initiating a product (or content) transaction approval in accordance with one preferred embodiment of the present invention.

21A and 21B are diagrams illustrating a transmission of a customer authentication information request message from a server side to a customer wireless terminal according to an exemplary embodiment of the present invention.

22A and 22B illustrate transmission of customer authentication information to a server side in a customer wireless terminal according to an exemplary embodiment of the present invention.

23A and 23B are views illustrating outputting a transaction approval result from a server side to a customer terminal according to an exemplary embodiment of the present invention.

24A and 24B illustrate an example of outputting a transaction approval error from a server side to a customer terminal according to an exemplary embodiment of the present invention.

25 is a view showing a customer authentication method according to another embodiment of the present invention.

26 is a diagram illustrating a method of transmitting customer authentication information according to another exemplary embodiment of the present invention.

27 is a diagram illustrating a method of authenticating customer authentication information according to an embodiment of the present invention.

<Description of main parts of drawing>

105: customer terminal 150: customer wireless terminal

210: product (or content) trading means 220: authentication information request means

230: information storage means 240: information receiving means

250: transaction approval means 260: payment processing means

The present invention provides a product (or content) transaction server and / or a product (or content) transaction server when a user (or content) transaction server on a network and / or a product (or content) transaction is performed through a predetermined customer terminal. The server performing the predetermined customer authentication procedure on behalf of the request to the customer wireless terminal with the predetermined customer authentication information and the authentication information received from the customer wireless terminal, and the product (or content of the customer terminal based on the authentication information) The present invention provides a customer authentication method and system for approving a transaction, a product (or content) transaction server, and a recording medium therefor.

In the customer authentication method of the product (or content) transaction server as described above, the universal customer authentication method is to register the ID / PW to the server in accordance with the membership registration procedure of the customer to authenticate the customer through the ID / PW The method is the most common, and the customer (or content) transaction is a customer (or content) transaction, such as financial product transactions for a higher level of security for a higher level of security for the customer through a certified certification authority based on a predetermined certificate Authentication method and the like.

However, the method using ID / PW among the above-described customer authentication methods is relatively widespread in the network even if it is a problem of membership registration through fraudulent information and thereby fraudulent customer authentication by acquiring fraudulent ID / PW, or even normal ID / PW. Hacking of ID / PW via popular sniffing and / or spoofing and / or key stroke means, or illegal acquisition of ID / PW through phishing, etc. It involves a problem that is illegally stolen and exploited by the company.

In addition, the customer authentication method through the public certificate is a hack using a sniffing means and / or a spoofing means to avoid fraudulent customer authentication by the public certificate issuing procedure or to illegally access the network through the encryption technology of the public certificate. Although it can be avoided, as long as the server connection and customer authentication on the network are made in a single customer terminal, illegal acquisition of a public certificate password through hacking and phishing using a key stroke means cannot be prevented.

The present invention is derived to solve the above problems, the customer terminal on the server performing a predetermined customer authentication procedure on behalf of the product (or content) transaction server and / or the product (or content) transaction server on the network Commodity (or content) trading means for conducting a predetermined product (or content) transaction; authentication information requesting means for requesting predetermined customer authentication information to a customer wireless terminal; and corresponding authentication information requesting means for the customer wireless terminal. When the predetermined authentication information is transmitted, and the information receiving means for receiving the same, and when accessing the product (or content) transaction server on the network and / or product (or content) through the predetermined customer terminal, the means Request predetermined customer authentication information from the provided server to the customer wireless terminal and receive authentication information from the customer wireless terminal, It is an object of the customer authentication method and system, a product (or content) transaction server and a recording medium for approving a product (or content) transaction of the customer terminal based on the previously authenticated information.

Customer authentication system in the present invention is a product (or content) trading means for performing a predetermined product (or content) transaction with the customer terminal; Authentication information requesting means for requesting predetermined customer authentication information to a customer wireless terminal; And information receiving means for receiving the information when the authentication information is transmitted from the customer wireless terminal, wherein the product (or content) transaction means comprises a product (or content) of the customer terminal based on the authentication information. It is characterized by approving the transaction.

According to a preferred embodiment of the present invention, the customer authentication system preferably further comprises an information storage means for storing the customer wireless terminal information and the customer identifier information in a predetermined storage medium, the authentication information, the authentication information The requesting means preferably reads the customer wireless terminal information linked to the customer identifier information from the storage medium and requests the customer authentication information from the customer wireless terminal.

According to a preferred embodiment of the present invention, the authentication information is predetermined authentication certificate information, authentication certificate password information, the customer ID (ID) information, password information, and the customer personal information provided in the customer wireless terminal And the customer biometric information, the customer communication means information, payment means information provided in the customer wireless terminal, payment means password information, account information provided in the customer wireless terminal, and a password corresponding to the account. Information, account transfer password information corresponding to the account, information (or data) included in the IC chip provided in the customer wireless terminal, IC chip unique information provided in the customer wireless terminal, and the customer wireless terminal. Preferably, the authentication information includes at least one predetermined authentication key data included in the authentication information. It comprises the information is possible.

According to a preferred embodiment of the present invention, when the customer payment means information is included in the authentication information transmitted from the customer wireless terminal, the private customer authentication system performs a payment process corresponding to a product (or content) transaction of the customer terminal; It is preferable to further comprise a payment processing means for processing by using the payment means.

According to a preferred embodiment of the present invention, the product (or content) trading means preferably comprises receiving predetermined customer identifier information from the customer terminal, and / or receiving customer wireless terminal information from the customer terminal. It is desirable to. In addition, the authentication information requesting means, when requesting predetermined customer authentication information to the customer wireless terminal, it is preferable to send a predetermined callback UEL for receiving authentication information. In addition, the information receiving means is preferably located in a communication server or a server associated with a communication server or a relay server, it is preferable to transmit the authentication information transmitted from the customer wireless terminal to the product (or content) transaction means. Do. Alternatively, the information receiving means may transmit the authentication information to the customer terminal so that the authentication information is temporarily stored in the customer terminal.

According to the present invention, each means is provided in a single server, characterized in that provided in a plurality of servers (or terminals).

According to a preferred embodiment of the present invention, the customer terminal includes a wired terminal including a computer, a terminal (or device) including at least one information processor (or KIOSK), an ATM, an ATM, a payment terminal, and a television. At least one home appliance equipped with a communication function such as a refrigerator, a microwave oven, an audio device, an exercise device equipped with a communication function, a wireless terminal such as a mobile phone, a PDA, a mobile Internet phone, a telematics, a wired telephone, and an RFID terminal. Preferably, the customer wireless terminal includes at least one of a mobile phone, a PDA, a mobile Internet phone, and telematics.

According to a preferred embodiment of the present invention, the product transaction preferably includes a product purchase made in a predetermined shopping mall server connected to the customer terminal, and includes a financial product transaction made in a predetermined financial institution according to the implementation method. It is possible. In addition, the content transaction preferably comprises the content provided in the predetermined content providing server connected to the customer terminal, in particular, the transaction approval for the content provision is the condition of the customer (eg, age or gender of the customer) In the case where the provision of the content is limited according to the above method, it is preferable to include authenticating the content.

According to the present invention, a program for executing a function included in each of the means is recorded in a predetermined recording medium provided in the customer authentication system.

Customer authentication system according to the present invention is connected to the server, provides a predetermined customer identifier information, a customer terminal for performing a predetermined product (or content) transaction; After receiving the customer identifier information and extracting customer wireless terminal information associated with the customer identifier information from a predetermined storage medium, or receiving from the customer terminal, requesting predetermined customer authentication information to the customer wireless terminal. Server; And a customer wireless terminal that transmits predetermined authentication information to the server or the relay server in response to the request of the customer authentication information from the server. The server may be configured to perform authentication transmitted from the customer wireless terminal. After receiving the information directly or through the relay server, it is characterized in that to approve the transaction of the product (or content) of the customer terminal based on the authentication information.

In addition, another customer authentication system according to the present invention is connected to the server, provides a predetermined customer identifier information, a customer terminal for performing a predetermined product (or content) transaction; After receiving the customer identifier information and extracting customer wireless terminal information associated with the customer identifier information from a predetermined storage medium, or receiving from the customer terminal, requesting predetermined customer authentication information to the customer wireless terminal. Server; And a customer wireless terminal that transmits predetermined authentication information to the server or the relay server in response to the request of the customer authentication information from the server. The server or relay server may be used in the customer wireless terminal. The authentication information to be transmitted to the customer terminal, characterized in that the authentication information is temporarily stored in the customer terminal.

According to a preferred embodiment of the present invention, in the customer authentication system, if the server includes the customer payment means information in the authentication information transmitted from the customer wireless terminal, corresponding to the transaction of goods (or content) of the customer terminal It is preferable to process the payment processing by using the payment means, and / or when the predetermined customer authentication information request to the customer wireless terminal, it is preferable to send a predetermined callback UEL for receiving the authentication information, And / or it may be composed of a single server or a plurality of servers depending on the implementation method.

According to the present invention, the customer authentication system includes an interface unit for receiving customer identifier information from the customer terminal, when the customer terminal access; A product (or content) trading unit that performs a predetermined product (or content) transaction with the customer terminal; A customer wireless terminal information checking unit which extracts customer wireless terminal information associated with the customer identifier information received by the interface unit from a predetermined storage medium or receives from the customer terminal; An authentication information request unit for requesting predetermined customer authentication information to the customer wireless terminal using the customer wireless terminal information; Receiving unit for directly receiving the authentication information transmitted by the customer wireless terminal or through a relay server; And a transaction approval unit that approves the transaction of the product (or content) of the customer terminal based on the authentication information received by the reception unit. It characterized in that the product (or content) transaction server provided with a.

According to a preferred embodiment of the present invention, when the product (or content) transaction server includes the customer payment means information in the authentication information transmitted from the customer wireless terminal, corresponding to the product (or content) transaction of the customer terminal Preferably, the payment processing unit further comprises a payment processing unit for processing the payment process by using the payment means. Further, the authentication information requesting unit of the product (or content) transaction server requests predetermined customer authentication information to the customer wireless terminal. At the time, it is preferable to attach and send a predetermined callback UEL for receiving authentication information, and / or the receiving unit transmits the authentication information to the customer terminal, so that the authentication information is temporarily stored in the customer terminal. desirable.

The customer authentication method according to the present invention comprises a product (or content) transaction step of performing a predetermined product (or content) transaction with the customer terminal in a predetermined product (or content) transaction means; An authentication information requesting step of requesting predetermined customer authentication information from the predetermined authentication information requesting means to the customer wireless terminal; An information receiving step of receiving predetermined authentication information from the customer wireless terminal in a predetermined information receiving means; And a transaction approval step of approving a product (or content) transaction of the customer terminal based on the received authentication information by a predetermined transaction approval means.

The customer authentication method may further include: an information storing step of linking and processing the customer wireless terminal information and the customer identifier information in a predetermined storage medium in a predetermined information storage means; And reading out the customer wireless terminal information linked to the customer identifier information from the storage medium by a predetermined information reading means, and / or the received authentication information. When the payment means information is included, it is preferable that the payment processing means further comprises a payment processing step of processing the payment processing corresponding to the goods (or content) transaction of the customer terminal using the payment means.

According to a preferred embodiment of the present invention, the product (or content) transaction step of performing a predetermined product (or content) transaction with the customer terminal in the predetermined product (or content) transaction means, a predetermined customer from the customer terminal Preferably, the method further includes receiving identifier information, and / or receiving predetermined customer radio terminal information from the customer terminal.

In addition, the authentication information requesting step of requesting predetermined customer authentication information from the predetermined authentication information requesting means to the customer wireless terminal, when requesting the predetermined authentication information to the customer wireless terminal, a predetermined callback UEL for receiving authentication information It is desirable to send with attachment.

Further, in the information receiving step of receiving predetermined authentication information from the customer wireless terminal in the predetermined information receiving means, when the information receiving means is located in a server or a relay server associated with a communication company server, the communication server, the It is preferable to transmit the received authentication information to the transaction approval means.

In the information receiving step of receiving predetermined authentication information from the customer wireless terminal in the predetermined information receiving means, the received authentication information is transmitted to the customer terminal, so that the authentication information is temporarily stored in the customer terminal. It is preferable that the step further comprises.

According to the present invention, a program for executing the customer authentication method is recorded in the recording medium provided in the customer authentication system.

Hereinafter, with reference to the accompanying drawings and description will be described in detail the operating principle of the preferred embodiment of the present invention. However, the drawings and the following description shown below are for the preferred method among various methods for effectively explaining the features of the present invention, the present invention is not limited only to the drawings and description below. In addition, in the following description of the present invention, if it is determined that a detailed description of a related known function or configuration may unnecessarily obscure the subject matter of the present invention, the detailed description thereof will be omitted. Terms to be described later are terms defined in consideration of functions in the present invention, which may vary according to intentions or customs of users or operators. Therefore, the definition should be based on the contents throughout the present title.

In addition, preferred embodiments of the present invention to be carried out below are provided in each system functional configuration to efficiently describe the technical components constituting the present invention, or system functions that are commonly provided in the technical field to which the present invention belongs. The configuration will be omitted, and described mainly on the functional configuration to be additionally provided for the present invention. If those skilled in the art to which the present invention pertains, it will be able to easily understand the function of the components that are conventionally used among the omitted functional configuration not shown below, and also the configuration omitted as described above The relationship between the elements and the components added for the present invention will also be clearly understood.

In addition, the preferred embodiment of the present invention to be carried out below will be described as a predetermined means provided on the terminal side or the server side in order to efficiently describe the technical components constituting the present invention, the intention and / or method of those skilled in the art As such, the means can be implemented in a variety of ways. For example, the means provided on the terminal side may consist of a program recorded on a recording medium provided in the terminal according to the functional configuration of the terminal and / or the unique characteristics (or roles) of the terminal, and / Alternatively, the device may be configured as a device mounted on the terminal (for example, a custom semiconductor or IC chip mounted on a PCB) or a device detachable from the terminal (for example, a device detachable from a slot provided in the terminal). In addition, the means provided on the server side may be a program (eg, unique to each means) recorded on a recording medium provided in the server according to the functional configuration of the server and / or the unique characteristics (or roles) of the server. A program comprising at least one or more functional units for performing a function (or role), and / or the at least one or more means are configured as one independent server so that a plurality of servers It is possible to configure to interwork through the interface.

In addition, a plurality of terms that perform similar functions among the terms defined in the following embodiments may further include a modifier expressing a more detailed function before the term, or may be distinguished by specifying "(number)" after the term. Those skilled in the art to which the invention pertains, it will be clearly understood that the terminology described above is only for easily describing the technical configuration of the present invention, and the terminology is not limited to the claims as it is. As a result, the technical spirit of the present invention is determined by the claims, and the following examples are one means for efficiently explaining the technical spirit of the present invention to those skilled in the art to which the present invention pertains. It is only.

1 is a diagram schematically illustrating a customer authentication system configured as a single server side 200 according to an exemplary embodiment of the present invention.

In more detail, FIG. 1 shows a customer terminal 105 connected to a predetermined server side 200 and providing predetermined customer identifier information, and receiving a predetermined product (or content) transaction service from the server side 200. And, the terminal side 100 including a customer wireless terminal 150 for inputting and / or extracting and / or generating predetermined customer authentication information and transmitting it to the server side 200 to which the customer terminal 105 is connected. After receiving predetermined customer identifier information from the customer terminal 105, receiving predetermined customer authentication information from the customer wireless terminal 150, through the customer terminal 105 based on the customer authentication information It relates to a customer authentication system including a single server side (200) for processing a predetermined product (or content) transaction to the customer connected.

The client terminal 105 includes server access means 110 including a function of accessing the server side 200 among terminals used by a predetermined customer and a function of transmitting predetermined customer identifier information to the server side 200. Characterized in that comprises a terminal provided with. For example, when the server side 200 is a web server on the Internet and the customer terminal 105 is a personal computer that can access the Internet, the server connection means 110 may be a web browser (eg, a microcomputer) provided in the personal computer. It includes Internet Explorer of Soft Corporation, Netscape Navigator of Netscape Corporation, and / or a predetermined Plug-in for interfacing with the web browser.

The customer wireless terminal 150 includes information input means 155 and / or predetermined customer authentication information including a function of inputting predetermined customer authentication information to be transmitted to the server side 200 among terminals used by a given customer. Information generating means 165 including a function of extracting information and / or information generating means 165 including a function of generating predetermined customer authentication information, and the input / extraction / generated customer authentication information on the server side ( It characterized in that it comprises a terminal having an information transmitting means 170 including the function to transmit to the information input means 155 and / or information extraction means 160 and / or information generating means 165 and / or the information transmitting means 170 is a program recorded on the recording medium provided in the customer wireless terminal 150 to perform the operation defined in each means in the platform provided in the customer wireless terminal 150 Of It is preferred comprises a capability configuration.

According to an embodiment of the present invention, the customer wireless terminal 150 may include a personal communication system (PCS) and / or a GSM (Global System for Mobile communications) terminal and / or a personal digital cellular terminal; PDC) and / or PHS (Personal Handyphone System) terminal and / or Personal Digital Assistant (PDA) and / or a mobile communication terminal including a smart phone (Smart Phone), the information input means ( 155) and / or information extracting means 160 and / or information generating means 165 and / or information transmitting means 170 are programs that perform respective defined operations in the Wireless Internet Platform for Interoperability (WIPI) platform. In this case, the recording medium is preferably recorded on a recording medium provided to the customer wireless terminal 150. According to the method, the information transmitting means 170 may transmit a predetermined wireless message (eg, a short message service (SMS)). Or, a program for transmitting / receiving an EMS (Enhanced Message Service) or MMS (Multimedia Messaging Service), or a program for wireless Internet access, may be recorded on a recording medium provided in the customer wireless terminal 150.

According to another exemplary embodiment of the present invention, when the customer wireless terminal 150 is a portable Internet terminal connected to a portable Internet (Wibro), the information input means 155 and / or information extraction means 160 and / or The information generating means 165 and / or the information transmitting means 170 are programs that perform respective defined operations in the platform provided in the portable Internet terminal and are recorded on the recording medium provided in the customer wireless terminal 150. It is preferable. That is, each means provided in the customer wireless terminal 150 is a program defined to operate on a platform provided in each customer wireless terminal 150 and recorded in a recording medium provided in the corresponding customer wireless terminal 150.

The information input means 155 of the customer wireless terminal 150 is made when the customer authentication information includes predetermined key data (for example, the customer authentication information is ID (ID) information, password information, customer personal information, authentication) Certificate password information, payment method password information, password information corresponding to the customer account, account transfer password information corresponding to the customer account), and key input means for inputting the key data, and And / or biometric information input means 155 for inputting biometric data of the customer when the customer authentication information includes predetermined biometric data (eg, when the customer authentication information includes biometric data). Is done.

The information extracting means 160 of the customer wireless terminal 150 is the case where the customer authentication information includes information extracted from a predetermined memory unit 1270 provided in the customer wireless terminal 150 (for example, customer Authentication information is communication means information for the customer wireless terminal 150), means for extracting predetermined storage information from the memory unit 1270, and / or the customer authentication information is the customer In the case where the information is extracted from the IC chip mounted on or detached from the wireless terminal 150 and / or the IC card interlocked through the IC card reader mounted on the customer wireless terminal 150 (for example, customer authentication information). The authentication certificate information, payment means information, customer account information, information (or data) included in the IC chip provided in the customer wireless terminal 150 provided in the IC chip (or IC card), the customer wireless terminal ( 150) It includes the authentication certificate information included in the IC chip provided in the case, the IC chip unique information provided in the customer wireless terminal 150), and means for extracting predetermined information from the IC chip (or IC card) It is done by

The information generating means 165 of the customer wireless terminal 150 transmits the customer authentication information input / extracted through the information input means 155 and / or the information extracting means 160 to the server side 200. If a predetermined information processing and / or data structure change process is required before, the input / extracted customer authentication information may be used to generate secondary customer authentication information through a predetermined information processing procedure and / or data structure change procedure. It is made to include. For example, the customer authentication information input / extracted by the information generating means 165 is disclosed corresponding to the server side 200 by a predetermined encryption key (eg, a public key infrastructure (PKI)). Key).

According to another embodiment of the present invention, the customer wireless terminal 150 is provided with the server connecting means 110, and the mobile terminal is connected to the server side 200 in the wireless terminal to predetermined goods (or contents) transactions When the service is provided, the customer wireless terminal 150 may perform the function of the customer terminal 105.

Referring to FIG. 1, the server side 200 may include a product (or content) transaction means 210 for performing a predetermined product (or content) transaction with the customer terminal 105; Authentication information requesting means 220 for requesting predetermined customer authentication information to the customer wireless terminal 150; And information receiving means 240 for receiving the authentication information when the customer wireless terminal 150 transmits the authentication information, and the authentication information received through the information receiving means 240 according to the method. Transaction approval means 250 for approving the product (or content) transaction means 210 to trade the predetermined product (or content) with the customer terminal 105, and / or the authentication information requesting means. The predetermined customer wireless terminal 150 information required for requesting predetermined customer authentication information to the predetermined customer wireless terminal 150 is linked to the customer identifier information to the predetermined storage medium 630. When the payment is processed in a predetermined product (or content) transaction process through the information storage means 230 and / or the product (or content) transaction means 210 for storing, the payment processing based on the customer authentication information Payment processing It characterized in that it comprises at least one or more (260).

The product (or content) transaction means 210 is a server connection means 110 provided in the customer terminal 105 is the server side 200 via a predetermined network 180 and / or communication means 180 It permits to connect to the customer terminal 105 and a predetermined communication channel, characterized in that to provide a predetermined product (or content) transaction service to the customer terminal 105 through the communication channel.

According to a preferred embodiment of the present invention, the product (or content) trading means 210 is provided from the customer terminal 105 to provide a predetermined product (or content) transaction service to the customer terminal 105. It is desirable to receive customer identifier information.

The authentication information requesting means 220 provides a predetermined product (or content) transaction service from the product (or content) transaction means 210 to the customer terminal 105, and the customer terminal 105 When a product (or content) transaction approval is required, the customer wireless terminal 150 may request predetermined customer authentication information.

According to a preferred embodiment of the present invention, a product (or content) trading means 210 a predetermined customer from the customer terminal 105 to provide a predetermined product (or content) transaction service to the customer terminal 105 When the identifier information is received, the authentication information requesting means 220 extracts, from the information storing means 230, predetermined customer wireless terminal 150 information associated with the customer identifier information, or the customer terminal ( After requesting and receiving predetermined customer wireless terminal 150 information from 105, it is preferable to request predetermined customer authentication information from the customer wireless terminal 150 using the customer wireless terminal 150 information.

The information receiving means 240, when the predetermined customer authentication information is input / extracted / generated from the predetermined customer wireless terminal 150 by the request of the authentication information requesting means 220, the customer wireless terminal ( The customer authentication information may be received through a predetermined network 180 and / or communication means 180 connected to 150.

The transaction approval means 250 receives a predetermined customer authentication information from the customer wireless terminal 150 through the information receiving means 240, the customer (or content) transaction means 210 in the customer terminal ( In the case where a predetermined transaction approval is required to provide a predetermined product (or content) transaction service to the user, the product (or content) transaction means 210 is connected to the customer terminal based on the received customer authentication information. 105) to approve a predetermined product (or content) transaction.

When the transaction approval means 250 stores predetermined transaction approval information matching the customer authentication information received from the customer wireless terminal 150 in the information storage means 230 according to the method of the present invention, the customer By comparing the customer authentication information received from the wireless terminal 150 with the transaction approval information stored in the information storage means 230, the product (or content) transaction means 210 is the customer terminal 105 and the product (or content) Approving the transaction, and / or applying predetermined authentication data included in the customer authentication information received from the customer wireless terminal 150 (e.g., the customer authentication information is public key infrastructure). Key Infrastructure (PKI) or Wireless PKI (WPKI), the number of transactions of the product (or content) by authenticating according to the authentication procedure according to the public key infrastructure) That 210 is authorized to conduct transactions the customer terminal 105 and the product (or content) is preferred.

The information storage means 230 is a predetermined member information and / or product (or content) required for the product (or content) transaction means 210 to provide a predetermined product (or content) transaction service to the customer terminal 105 Or contents) information is stored and managed in a predetermined storage medium 630, and the member information preferably includes predetermined customer identifier information and customer wireless terminal 150 information.

The payment processing means 260 performs the product (or content) transaction on the basis of the customer authentication information when the payment processing in a predetermined product (or content) transaction process through the product (or content) transaction means 210. Characterized by processing a predetermined payment for.

According to a preferred embodiment of the present invention, when the payment processing means 260 includes the customer payment means information in the authentication information transmitted from the customer wireless terminal 150, the product (or It is preferable to process the payment processing corresponding to the content) transaction using the payment means.

According to the embodiment of the present invention, the product (or content) transaction means 210, authentication information requesting means 220, information receiving means 240, transaction approval means 250, which is provided on the server side 200, The information storing means 230, the payment processing means 260, etc. may be included in a functional configuration provided in a single server according to the implementation method, or at least one or more means may be provided as a predetermined server.

2 is a diagram schematically illustrating a customer authentication system including a plurality of server sides 200 according to an exemplary embodiment of the present invention.

In more detail, in FIG. 2, the server side 200 interworks with the server side 1, 200-1 and the server side 1, 200-1 having the product (or content) transaction means 210. Receives predetermined customer authentication information from the customer wireless terminal 150 and the product (or content) transaction means 210 provided in the server side (1) (200-1) based on the customer authentication information It consists of a server side (2) (200-2) that assists in performing a product (or content) transaction with the customer terminal 105, and is connected to the server side (1) (200-1) and the server side (1) 200-1 receives and / or extracts and / or generates a customer terminal 105 provided with a predetermined product (or content) transaction service and predetermined customer authentication information. For a customer authentication system comprising a plurality of server side 200 including a terminal side 100 including a customer wireless terminal 150 to transmit to (200-2).

In FIG. 2, the functional configuration of the terminal side 100 including the customer terminal 105 and the customer wireless terminal 150 is as described with reference to FIG. 1, and the server side (1) 200-1 and the server side ( 2) 200-2 refers to a case in which a means provided in the server side 200 of FIG. 1 is divided into a plurality of servers according to a function and / or role, and the server side 1 and 200 are provided. -1) includes a product (or content) transaction server provided on a network to which the customer terminal 105 is connected, and the server side (2) 200-2 is connected to the customer wireless terminal 150. It includes a server or relay server associated with a carrier server or a carrier server provided on a wireless network.

Referring to FIG. 2, the server side (1) 200-1 includes a product (or content) trading means 210 that provides a predetermined product (or content) transaction service to the customer terminal 105. And, the authentication information requesting means 220 for requesting predetermined customer authentication information to the customer wireless terminal 150, and when transmitting the authentication information from the customer wireless terminal 150, the server side (2) (200-2) Information receiving means (1) (240-1) for receiving the customer authentication information through the; characterized in that the received through the information receiving means (1) (240-1) according to the implementation method Transaction approval means 250 for approving the product (or content) trading means 210 to trade the predetermined product (or content) with the customer terminal 105 based on the authentication information, and / or the authentication information The requesting means 220 is required to request predetermined customer authentication information to the predetermined customer wireless terminal 150. Information storage means 230 and / or the product (or content) transaction means 210 for storing predetermined customer wireless terminal 150 information in a predetermined storage medium 630 by linking the customer identifier information. It is preferable to further include a payment processing means 260 for processing a payment based on the customer authentication information when the payment processing in a predetermined product (or content) transaction process through.

In addition, the server side (2) (200-2) is a predetermined customer from the customer wireless terminal 150 at the request of the authentication information requesting means 220 provided in the server side (1) (200-1) When the authentication information is transmitted, information receiving means (2) (240-2) for receiving the customer authentication information via a predetermined network 180 and / or communication means 180 connected to the customer wireless terminal 150 And an information relay means 245 for retransmitting (or relaying) the received customer authentication information to the information receiving means (1) 240-1 of the server side (1) 200-1. It features.

The server side (1) 200-1 and the server side (2) 200-2 are connected through a predetermined inter-server interface 205, and the inter-server interface 205 is connected to the server side 1. And a network interface and / or a communication interface connecting the 200-1 to the server side 2, 200-2.

According to another exemplary embodiment of the present invention, the server side (2) 200-2 retransmits (or relays) the received customer authentication information from the customer wireless terminal 150 to the customer terminal 105. It is possible to temporarily store in the customer terminal 105. To this end, the information receiving means (2) (240-2) and / or information relay means 245 provided on the server side (2) (200-2) is the customer authentication information received from the customer wireless terminal 150 It is preferable to perform the function of retransmitting (or relay transmission) to the customer terminal 105, the customer terminal 105 is interlocked with the server connection means 110, the server side (2) (200-) 2) preferably further comprises a temporary storage means 115 for receiving and temporarily storing the customer authentication information. In this case, the temporary storage means 115 provided in the customer terminal 105 and the transaction approval means 250 provided on the server side (1) (200-1) by using the temporarily stored customer authentication information; It is possible to further include a function of approving the server side (1) (200-1) to provide a predetermined product (or content) transaction service to the customer terminal 105 in conjunction. For example, when the customer terminal 105 is a personal computer that can access the Internet, a web browser (eg, Internet Explorer of Microsoft Corporation) is provided with the server connecting means 110 provided in the customer terminal 105. , Or Netscape Navigator of Netscape, Inc., the temporary storage means 115 has a function configuration for receiving predetermined customer authentication information from the server side (2) (200-2) and linked with the web browser. This is done by including a plugin.

In addition, the temporary storage means 115 is provided in the customer terminal 105 according to the above-described implementation method, so that predetermined customer authentication is performed from the server side 2 (200-2) to the customer terminal 105. In the case of transmitting information, the authentication information requesting means 220 provided in the server side (1) 200-1 in FIG. 2 may be provided in the customer terminal 105 (not shown).

Figure 3 is a simplified diagram showing a customer authentication system composed of a plurality of server side 200 in accordance with another embodiment of the present invention.

In more detail, in FIG. 3, the server side 200 interworks with the server side 1, 200-1 and the server side 1, 200-1 having the product (or content) transaction means 210. Receives predetermined customer authentication information from the customer wireless terminal 150 and the product (or content) transaction means 210 provided in the server side (1) (200-1) based on the customer authentication information And a server side (2) (200-2) that approves performing a product (or content) transaction with the customer terminal 105, and is connected to the server side (1) 200-1 and the server side ( 1) a customer terminal 105 that receives a predetermined product (or content) transaction service from 200-1, and inputs and / or extracts and / or generates predetermined customer authentication information to provide a predetermined server side 2; Regarding a customer authentication system including a plurality of server side 200 including a terminal side 100 including a customer wireless terminal 150 to be transmitted to (200-2).

In FIG. 2, the functional configuration of the terminal side 100 including the customer terminal 105 and the customer wireless terminal 150 is as described with reference to FIG. 1, and the server side (1) 200-1 and the server side ( 2) 200-2 refers to a case in which a means provided in the server side 200 of FIG. 1 is divided into a plurality of servers according to a function and / or role, and the server side 1 and 200 are provided. -1) includes a product (or content) transaction server provided on a network to which the customer terminal 105 is connected, and the server side (2) 200-2 is connected to the customer wireless terminal 150. And a server or a customer authentication server (eg, a PKI / WPKI-based authentication server) associated with a carrier server or a carrier server provided on a wireless network.

Referring to FIG. 2, the server side (1) 200-1 includes a product (or content) trading means 210 that provides a predetermined product (or content) transaction service to the customer terminal 105. And, the authentication information requesting means 220 for requesting predetermined customer authentication information to the customer wireless terminal 150, and receiving the approval result for receiving a predetermined transaction approval result from the server side (2) (200-2) Means 300, and according to an implementation method and / or the authentication information requesting means 220 is required to request predetermined customer authentication information to a predetermined customer wireless terminal 150. Information storage means 230 for storing the customer wireless terminal 150 information in association with the customer identifier information in a predetermined storage medium 630, and / or predetermined through the product (or content) transaction means 210 When payment is processed during the transaction of goods (or contents) of It is preferable to further include a payment processing means 260 for processing the payment based on the customer authentication information.

In addition, the server side (2) (200-2) is a predetermined customer from the customer wireless terminal 150 at the request of the authentication information requesting means 220 provided in the server side (1) (200-1) When the authentication information is transmitted, information receiving means 240 for receiving the customer authentication information via a predetermined network 180 and / or communication means 180 connected to the customer wireless terminal 150, and the information receiving Transaction approval means 250 for authorizing the product (or content) trading means 210 to trade the predetermined product (or content) with the customer terminal 105 based on the authentication information received through the means 240 It is characterized by comprising:

According to another embodiment of the present invention, when the transaction approval means 250 is provided on the server side (2) (200-2) as described above, requesting the predetermined customer authentication information to the customer wireless terminal 150 Authentication information requesting means 220 may be transferred to the server side (2) (200-2) (not shown), in this case, the product provided in the server side (1) (200-1) (Or contents) The transaction means 210 and / or the information storage means 230 inputs / extracts / generates and transmits the customer authentication information to the server side (2) 200-2. It is desirable to provide information.

According to another exemplary embodiment of the present invention, the server side (2) (200-2) retransmits (or relays) the received customer authentication information to the customer terminal 105 from the customer wireless terminal 150. It is possible to temporarily store in the customer terminal 105. To this end, the information receiving means 240 provided at the server side 2 (200-2) retransmits (or relays) the customer authentication information received from the customer wireless terminal 150 to the customer terminal 105. It is preferable to perform a function, the customer terminal 105 is interlocked with the server access means 110, and receives and temporarily stores the customer authentication information from the server side (2) (200-2) It is preferable to further include the temporary storage means 115 (not shown). In this case, the temporary storage means 115 provided in the customer terminal 105 and the transaction approval means 250 provided on the server side (2) (200-2) by using the temporarily stored customer authentication information; It is possible to further include a function of approving the server side (1) (200-1) to provide a predetermined product (or content) transaction service to the customer terminal 105 in conjunction. In addition, when the temporary storage means 115 is provided in the customer terminal 105 as described above, in order to facilitate the authentication information request process, the server side (1) (200-1) in FIG. The authentication information requesting means 220 provided in the customer terminal 105 may be provided (not shown).

Figure 4 is a simplified diagram showing a customer authentication system composed of a plurality of server side 200 according to another embodiment of the present invention.

In more detail, FIG. 4 illustrates that the server side 200 interworks with the server side 1 and 200-1 and the server side 1 and 200-1 including the product (or content) trading means 210. Receives predetermined customer authentication information from the customer wireless terminal 150 and the product (or content) transaction means 210 provided in the server side (1) (200-1) based on the customer authentication information It consists of a server side (2) (200-2) for approving and payment processing to perform a product (or content) transaction with the customer terminal 105, and access and the server side (1) (200-1) The server terminal (1) (200-1) receives a predetermined product (or content) transaction service from the customer terminal 105 and predetermined customer authentication information by input and / or extraction and / or generated by the predetermined server side (2) For a customer authentication system comprising a plurality of server side 200 including a terminal side 100 including a customer wireless terminal 150 to transmit to (200-2). It is.

In FIG. 2, the functional configuration of the terminal side 100 including the customer terminal 105 and the customer wireless terminal 150 is as described with reference to FIG. 1, and the server side (1) 200-1 and the server side ( 2) 200-2 refers to a case in which a means provided in the server side 200 of FIG. 1 is divided into a plurality of servers according to a function and / or role, and the server side 1 and 200 are provided. -1) includes a product (or content) transaction server provided on a network to which the customer terminal 105 is connected, and the server side (2) 200-2 is connected to the customer wireless terminal 150. It includes a server or a payment means provider server (for example, card company server or financial company server) associated with a carrier server or a carrier server provided on a wireless network.

Referring to FIG. 2, the server side (1) 200-1 includes a product (or content) trading means 210 that provides a predetermined product (or content) transaction service to the customer terminal 105. And, the authentication information requesting means 220 for requesting predetermined customer authentication information to the customer wireless terminal 150, and receiving the approval result for receiving a predetermined transaction approval result from the server side (2) (200-2) Means 300, and according to an implementation method and / or the authentication information requesting means 220 is required to request predetermined customer authentication information to a predetermined customer wireless terminal 150. It is preferable to further include the information storage means 230 for storing the customer wireless terminal 150 information in a predetermined storage medium 630 by linking the customer identifier information.

In addition, the server side (2) (200-2) is a predetermined customer from the customer wireless terminal 150 at the request of the authentication information requesting means 220 provided in the server side (1) (200-1) When the authentication information is transmitted, information receiving means 240 for receiving the customer authentication information via a predetermined network 180 and / or communication means 180 connected to the customer wireless terminal 150, and the information receiving Transaction approval means 250 for authorizing the product (or content) trading means 210 to trade the predetermined product (or content) with the customer terminal 105 based on the authentication information received through the means 240 ) And payment in the course of a predetermined product (or content) transaction process through the product (or content) transaction means 210 of the server side (1) 200-1, based on the customer authentication information. It is characterized by comprising a payment processing means 260 to process.

According to another embodiment of the present invention, when the transaction approval means 250 is provided on the server side (2) (200-2) as described above, requesting the predetermined customer authentication information to the customer wireless terminal 150 Authentication information requesting means 220 may be transferred to the server side (2) (200-2) (not shown), and according to another embodiment, the server side (2) (200-2) Retransmits (or relays) the received customer authentication information from the customer wireless terminal 150 to the customer terminal 105 and temporarily stores the received customer authentication information in the customer terminal 105. In this other embodiment, the other functional configuration of the information receiving means 240 of the server side (2) (200-2) and / or the functional configuration added to the customer terminal 105 is described in FIG. As shown.

5 is a view showing the type of customer terminal 105 according to the present invention.

Referring to FIG. 5, the customer terminal 105 may include a predetermined wired terminal including at least one or more of a personal computer (PC) or a notebook, and / or a personal communication system (PCS) or the like. Global System for Mobile communications (GSM) terminal or Personal Digital Cellular (PDC) or Personal Handyphone System (PHS) terminal or Personal Digital Assistant (PDA) or smartphone (Smart Phone) or wireless data Calls comprising at least one communication terminal, a portable internet terminal or a wireless terminal including at least one or more telematics, and / or at least one wired and wireless voice call apparatus based on an automatic response service (ARS) or a call center (Call Center) Credit Authorization Terminal or contact (or contact) that provides terminals, and / or electronic payment services A payment terminal including at least one contactless IC card terminal, and / or a financial terminal including at least one automatic teller machine (ATM) or cash dispenser (CD), and / or a kiosk An information terminal including a kiosk, and / or a home appliance terminal including a digital television (DTV) connected to a home network, a refrigerator, a microwave, audio, and the like, and / or an exercise device equipped with a communication function (eg, a network) Connected treadmill), and / or an RFID terminal equipped with an RFID reader complying with a predetermined RFID standard.

Referring to FIG. 5 according to an embodiment of the present invention, it is preferable that the wired terminal accesses (or transmits information to) the server side 200 through the Internet based on Transmission Control Protocol / Internet Protocol (TCP / IP). And / or the wireless terminal accesses (or transmits information to) the server side 200 via at least one or more of a mobile communication network and / or a wireless data communication network and / or a portable internet network and / or a local area network. And / or the call terminal is preferably connected to (or transmits information to) the server side 200 via a public switched telephone network (PSTN), and / or the payment terminal Is connected to (or transmits information to) the server side 200 via a Value Added Network (VAN), and / or the financial terminal is connected via a financial common network. It is preferable to connect (or transmit information) to the server side 200, and / or the information terminal or exercise equipment RFID terminal is connected to the server side 200 through a predetermined communication network connected to each terminal ( Or transmit information), and / or the home appliance terminal preferably connects (or transmits information) to the server side 200 via a predetermined communication network including a home network.

According to a preferred embodiment of the present invention, the wired terminal and / or wireless terminal and / or call terminal and / or payment terminal and / or financial terminal and / or information terminal and / or home appliance terminal and / or shown in FIG. Since a server connection means 110 is provided among terminals including an exercise device and / or an RFID terminal, the server connection means 110 is connected to the server side 200 through a predetermined network and / or a communication network. In addition, all terminals provided with a predetermined product (or content) transaction service included in the server side 200 may be configured to include a functional configuration of the customer terminal 105.

Hereinafter, after the wired terminal is defined as the customer terminal 105 among the terminals illustrated in FIG. 5, a preferred functional configuration of the customer authentication system described with reference to FIGS. 1 or 2, 3, or 4 will be described.

Figure 6 illustrates a preferred functional configuration of a customer authentication system composed of a single server side 200 in accordance with one embodiment of the present invention.

In more detail, Figure 6 is for the preferred functional configuration of the customer authentication system consisting of a single server side 200 shown in Figure 1, if those of ordinary skill in the art to which the present invention belongs, In the customer terminal 105 other than the wired terminal shown in Fig. 1, the single server side corresponding to the protocol provided in the network 180 and / or the communication means 180 connecting the terminal and the server side 200 ( It will be easy to infer a method of implementing a variety of modifications to the customer authentication system consisting of 200).

Referring to FIG. 6, when the customer terminal 105 is connected, the server side 200 may include an interface unit 605 that receives customer identifier information from the customer terminal 105, and the customer terminal 105. The product (or content) transaction unit 610 that performs a product (or content) transaction, and the customer wireless terminal 150 information associated with the customer identifier information received by the interface unit 605 are stored in a predetermined storage medium ( A predetermined customer to the customer wireless terminal 150 using the customer wireless terminal information checking unit 615 and the customer wireless terminal 150 information extracted from the 630 or received from the customer terminal 105. Based on the authentication information requesting unit 620 for requesting authentication information, the receiving unit 640 directly receiving the authentication information transmitted by the customer wireless terminal 150, and the authentication information received by the receiving unit 640. Approving the transaction of the product (or content) of the customer terminal 105 Characterized in that the transaction approval unit 650, and if the customer payment means information included in the authentication information transmitted from the customer wireless terminal 150, the product (or content) of the customer terminal 105 It is preferable to further comprise a payment processing unit 660 for processing the payment processing corresponding to the transaction using the payment means.

The interface unit 605 is a wired terminal corresponding to the customer terminal 105 is connected to the server side 200 through the TCP / IP-based Internet, a predetermined product (or content) from the server side 200 ) A protocol (eg, HyperText Transfer Protocol (HTTP)) for receiving a transaction service is defined, and a communication channel between the wired terminal and the server side 200 is connected through the protocol. It is done.

According to a preferred embodiment of the present invention, the interface unit 605 may input a predetermined customer identifier information input interface (eg, HyperText Markup Language, HTML) and / or extension to the wired terminal through the communication channel. A web page including an eXtensible Markup Language (XML) and a script for implementing information input and transmission functions) and receiving predetermined customer identifier information from the wired terminal through the customer identifier information input interface. It is preferable.

In addition, the interface unit 605 exchanges the product (or content) transaction between the product (or content) transaction unit 610 and the server connection means 110 provided in the customer terminal 105 through the communication channel. It is desirable to transmit and receive predetermined information (or data). For example, the interface unit 605 outputs a predetermined interface screen for the product (or content) transaction from the product (or content) transaction unit 610 to the server connecting means 110 of the customer terminal 105. Alternatively, it is preferable to perform a function of receiving the product (or content) transaction data from the customer terminal 105 and providing it to the product (or content) transaction unit 610.

In addition, the interface unit 605 may provide a communication interface for requesting predetermined authentication information to the customer wireless terminal 150 in conjunction with the authentication information requesting means 220. For this purpose, the interface unit ( 605 may access the wireless network to which the customer wireless terminal 150 is connected, or interoperate with a predetermined server (for example, a message sending server) to access the wireless network to which the customer wireless terminal 150 is connected. It is preferable to transmit information (or message) requesting predetermined customer authentication information to the customer wireless terminal 150.

The product (or content) transaction unit 610 is connected to the server unit 200 when a predetermined customer terminal 105 is connected to the server side through the interface unit 605, the customer terminal in conjunction with the interface unit 605 And a predetermined product (or content) transaction with the 105, and the product (or content) transaction unit 610 interworks with the interface unit 605 to the customer terminal 105. It performs the function of the product (or content) trading means 210 that provides a product (or content) trading service.

According to a preferred embodiment of the present invention, the procedure of the product (or content) trading unit 610 to provide a predetermined product (or content) transaction service to the customer terminal 105 is the intention of the person skilled in the art and / or It is preferable to follow the conventions for trading goods and / or providing contents, and when a predetermined transaction approval is required in the course of trading the goods (or contents) to provide the technical idea of the present invention, the customer wireless terminal information checking unit 615 and / or the authentication information requesting unit 620 to request a predetermined customer authentication information to the customer wireless terminal 150, in conjunction with the transaction approval unit 650 to the customer terminal 105 It is desirable to include approving a predetermined product (or content) transaction.

The customer wireless terminal information checking unit 615 extracts, from the predetermined storage medium 630, the customer wireless terminal 150 information which is interfaced with the customer identifier information received by the interface unit 605 from the customer terminal 105. Or requesting and receiving predetermined customer wireless terminal 150 information from the customer terminal 105, wherein the customer wireless terminal information checking unit 615 is interworked with the interface unit 605, Or in conjunction with the storage medium 630 performs the function of the information reading means (not shown) for reading the customer wireless terminal 150 information.

The authentication information requesting unit 620 requests predetermined customer authentication information to the customer wireless terminal 150 using the customer wireless terminal 150 information checked by the customer wireless terminal information checking unit 615. The authentication information requesting unit 620 performs the function of the authentication information requesting means 220 for requesting predetermined customer authentication information to the customer wireless terminal 150 in conjunction with the interface unit 605. do.

According to an embodiment of the present invention, the customer wireless terminal 150 may include a personal communication system (PCS) and / or a global system for mobile communications (GSM) terminal and / or a personal digital cellular terminal; The authentication information requesting unit is applicable to a mobile communication terminal including a PDC) and / or a personal handyphone system (PHS) terminal and / or a personal digital assistant (PDA) and / or a smart phone. 620 transmits the authentication information request message to the WIPI based communication program provided in the customer wireless terminal 150, and receives predetermined customer authentication information from the customer wireless terminal 150 through the receiving unit. Preferably, and / or the authentication information request message including a predetermined callback URL through a predetermined wireless message in the authentication information requesting unit 620. Ships, and it is desirable to receive a predetermined client certification information from the client mobile terminal 150 through the receiver.

In addition, the authentication information request unit 620 is the wireless data communication network when the customer wireless terminal 150 is a wireless data communication terminal and / or a portable Internet terminal interoperating with a predetermined wireless data communication network and / or portable Internet network. And / or sending the authentication information request message to the customer wireless terminal 150 based on a predetermined data communication protocol provided in the portable internet network, and receiving the customer authentication information in the authentication information request message. Preferably, a predetermined receiving side network address corresponding to the server side 200 (or the terminal side 100) is included.

The receiving unit 640 is characterized in that it receives directly from the customer wireless terminal 150 the predetermined customer authentication information input / extracted / generated from the customer wireless terminal 150, the receiving unit 640 In conjunction with the interface unit 605 performs a function of the information receiving means 240 for receiving the customer authentication information.

The transaction approval unit 650 services a predetermined product (or content) transaction from the product (or content) transaction unit 610 to the customer terminal 105 based on the customer authentication information received by the receiver 640. The transaction approval unit 650 is linked with the product (or content) trading unit 610 of the transaction approval means 250 for approving the product (or content) transaction. Perform the function.

7 is a view showing a preferred functional configuration of a customer authentication system composed of a plurality of server side 200 in accordance with an embodiment of the present invention.

In more detail, Figure 7 is a configuration of the preferred function of the customer authentication system consisting of a plurality of server side 200 shown in Figure 2, if those of ordinary skill in the art to which the present invention belongs, In the customer terminal 105 other than the wired terminal shown in Fig. 1, the single server side corresponding to the protocol provided in the network 180 and / or the communication means 180 connecting the terminal and the server side 200 ( It will be easy to infer a method of implementing a variety of modifications to the customer authentication system consisting of 200).

Referring to FIG. 7, the server side (1) 200-1 includes an interface unit 605 for receiving customer identifier information from the customer terminal 105 when the customer terminal 105 is connected, and the customer terminal ( 105 and a product (or content) trading unit 610 that performs a predetermined product (or content) transaction, and the customer wireless terminal 150 information processed in association with the customer identifier information received by the interface unit 605. The customer wireless terminal 150 is extracted from a predetermined storage medium 630 or by using the customer wireless terminal information checking unit 615 received from the customer terminal 105 and the customer wireless terminal 150 information. An authentication information requesting unit 620 for requesting predetermined customer authentication information, a receiving unit 640 for receiving authentication information transmitted from the customer wireless terminal 150 from the server side 2 (200-2), And a product (or a product) of the customer terminal 105 based on the authentication information received by the receiving unit 640. And a transaction approval unit 650 for approving the transaction. When the customer payment means information is included in the authentication information transmitted from the customer wireless terminal 150, the customer terminal 105 It is preferable to further comprise a payment processing unit 660 for processing the payment processing corresponding to the product (or content) of the transaction using the payment means.

In addition, the server side (2) (200-2) is the information receiving unit 705 and the information receiving unit 705 for receiving the customer authentication information, when transmitting the predetermined customer authentication information from the customer wireless terminal 150; It includes an information relay unit 710 for retransmitting (or relay transmission) the customer authentication information received through the server side (1) (200-1) or the customer terminal 105.

In FIG. 7, the interface unit 605 of the server side 1, 200-1, the product (or content) transaction unit 610, the customer wireless terminal information confirmation unit 615, and the authentication information request unit 620, Basic functions of the transaction approval unit 650 and the payment processing unit 660 are the same as those described with reference to FIG. 6, and the receiver 720 of FIG. 7 transmits the customer authentication information transmitted by the customer wireless terminal 150 to the server. And receiving from the information relay unit 710 provided on the side (2) (200-2), the receiving unit 720 is the server side (1) (200-1) and the server side (2) (200) It performs the function of the information receiving means 240 for receiving the customer authentication information in conjunction with a predetermined server-to-server interface 205 that interworking -2).

8 is a view showing a preferred functional configuration of a customer authentication system composed of a plurality of server side 200 according to another embodiment of the present invention.

In more detail, FIG. 8 is for the preferred functional configuration of the customer authentication system composed of the plurality of server side 200 shown in FIG. 3, if one of ordinary skill in the art to which the present invention belongs, In the customer terminal 105 other than the wired terminal shown in Fig. 1, the single server side corresponding to the protocol provided in the network 180 and / or the communication means 180 connecting the terminal and the server side 200 ( It will be easy to infer a method of implementing a variety of modifications to the customer authentication system consisting of 200).

Referring to FIG. 8, the server side (1) 200-1 includes an interface unit 605 for receiving customer identifier information from the customer terminal 105 when the customer terminal 105 is connected, and the customer terminal ( 105 and a product (or content) trading unit 610 that performs a predetermined product (or content) transaction, and the customer wireless terminal 150 information processed in association with the customer identifier information received by the interface unit 605. The customer wireless terminal 150 may be extracted from a predetermined storage medium 630 or by using the customer wireless terminal information checking unit 615 received from the customer terminal 105 and the customer wireless terminal 150 information. An authentication information request unit 620 for requesting predetermined customer authentication information and an approval result receiver 805 for receiving a predetermined transaction approval result corresponding to the customer authentication information transmitted from the customer wireless terminal 150. Characterized in that it comprises, the customer If the customer payment means information is included in the authentication information transmitted from the terminal 150, a payment processing unit for processing the payment processing corresponding to the goods (or content) transactions of the customer terminal 105 using the payment means ( It is preferable to further comprise 660).

In addition, the server side (2) (200-2) is the information receiving unit 705 and the information receiving unit 705 for receiving the customer authentication information, when transmitting the predetermined customer authentication information from the customer wireless terminal 150; Approving a predetermined product (or content) transaction from the product (or content) transaction unit 610 of the server side (1) (200-1) to the customer terminal 105 based on the customer authentication information received through the The transaction approval unit 650 is made.

In FIG. 8, the interface unit 605 of the server side (1) 200-1, the product (or content) transaction unit 610, the customer wireless terminal information confirmation unit 615, the authentication information request unit 620, and Basic functions of the payment processing unit 660 are the same as those described with reference to FIG. 6, and the approval result receiving unit 805 of FIG. 8 is obtained from the transaction approval unit 650 provided at the server side 2 (200-2). Receive a predetermined transaction approval result corresponding to the customer authentication information transmitted by the customer wireless terminal 150, the approval result receiving unit 805 is the server side (1) (200-1) and the server It performs the function of the information receiving means 240 for receiving the transaction approval result in conjunction with the predetermined server-to-server interface 205 in conjunction with the side (2) (200-2).

9 is a view showing a preferred functional configuration of a customer authentication system composed of a plurality of server side 200 according to another embodiment of the present invention.

In more detail, FIG. 9 illustrates a preferred functional configuration of a customer authentication system composed of a plurality of server side 200 shown in FIG. 4, and a person having ordinary knowledge in the technical field to which the present invention pertains, FIG. In the customer terminal 105 other than the wired terminal shown in Fig. 1, the single server side corresponding to the protocol provided in the network 180 and / or the communication means 180 connecting the terminal and the server side 200 ( It will be easy to infer a method of implementing a variety of modifications to the customer authentication system consisting of 200).

Referring to FIG. 9, the server side (1) 200-1 includes an interface unit 605 for receiving customer identifier information from the customer terminal 105 when the customer terminal 105 is connected, and the customer terminal ( 105 and a product (or content) trading unit 610 that performs a predetermined product (or content) transaction, and the customer wireless terminal 150 information processed in association with the customer identifier information received by the interface unit 605. The customer wireless terminal 150 may be extracted from a predetermined storage medium 630 or by using the customer wireless terminal information checking unit 615 received from the customer terminal 105 and the customer wireless terminal 150 information. An authentication information requesting unit 620 for requesting predetermined customer authentication information and an approval result receiving unit 805 for receiving a predetermined transaction approval result corresponding to the customer authentication information transmitted from the customer wireless terminal 150. Characterized in that comprises, the customer wireless When the customer payment means information is included in the authentication information transmitted from the terminal 150, the wireless payment unit 905 for executing a wireless payment corresponding to the product (or content) transaction of the customer terminal 105 is further provided. It is preferable to make it.

In addition, the server side (2) (200-2) is the information receiving unit 705 and the information receiving unit 705 for receiving the customer authentication information, when transmitting the predetermined customer authentication information from the customer wireless terminal 150; Approving a predetermined product (or content) transaction from the product (or content) transaction unit 610 of the server side (1) (200-1) to the customer terminal 105 based on the customer authentication information received through the In the customer wireless terminal 150 in conjunction with the transaction approval unit 650, the wireless payment unit 905 provided in the server side (1) (200-1) through a predetermined inter-server interface 205 When the authentication information transmitted includes the customer payment means information, a payment processing unit 660 for processing a wireless payment corresponding to a product (or content) transaction of the customer terminal 105 is included.

9, the interface unit 605 of the server side (1) 200-1, the product (or content) transaction unit 610, the customer wireless terminal information confirmation unit 615, the authentication information request unit 620, and Basic functions of the payment processing unit 660 are the same as those described with reference to FIG. 6, and are provided in the approval result receiving unit 805 and the server side 2 and 200-2 of the server side 1 and 200-1. The transaction approval unit 650 is as described in FIG.

In FIG. 9, the wireless payment unit 905 provided at the server side 1 (200-1) is a product (or content) transaction unit 610 provided at the server side (1) 200-1. Predetermined wireless payment (e.g., payment using payment means corresponding to the customer wireless terminal 150 and / or payment means provided on the IC chip mounted or detached from the customer wireless terminal 150) Is performed, and when the wireless payment is performed, the wireless payment is performed in connection with the payment processing unit 660 provided in the server side (2) (200-2). The payment processor 660 interworking through the wireless payment unit 905 and the server-to-server interface 205 performs a function of the transaction approval means 250 for approving the product (or content) transaction.

10 and 11 illustrate a configuration of an information storage medium 630 according to an exemplary embodiment of the present invention.

In more detail, FIG. 10 illustrates a configuration of member information of the storage medium 630 shown in FIG. 6 or 7 or 8 or 9, and FIG. 11 shows a product (or content) of the storage medium 630. ) Shows the structure of information.

Referring to FIG. 10, member information of the storage medium 630 may include at least one piece of customer identifier information (eg, ID information and password information) that matches predetermined customer identifier information received from the customer terminal 105. Or customer biometric information, or certified certificate information, and predetermined customer personal information (eg, customer's name, social security number, address, email address, contact information, etc.) for the customer.

According to an embodiment of the present invention, when the information of the customer wireless terminal 150 which transmits the customer authentication information in the information reading means (not shown) included in the server side 200 is extracted from the storage medium 630, the The customer identifier information stored in the storage medium 630 is preferably stored in association with predetermined customer wireless terminal 150 information (eg, communication means information of the customer wireless terminal 150). In addition, when the transaction approval means 250 provided on the server side 200 authenticates the customer authentication information received from the customer wireless terminal 150 with predetermined transaction approval information, the storage medium 630. Customer identifier information (or customer wireless terminal 150 information cooperatively processed with the customer identifier information) stored in the data is preferably stored in association with the predetermined transaction approval information.

Referring to FIG. 11, product (content) information of the storage medium 630 may store product information to be sold to the customer through the customer terminal 105 and / or text content to be provided to the customer and / or Or store predetermined content information including image content and / or sound content and / or multimedia content, and when the server side 200 requires approval of content provision, text content included in the content information, and It is preferable that the image content and / or sound content and / or multimedia content further comprise predetermined copyright information (not shown).

12 is a view showing a preferred functional configuration of the customer wireless terminal 150 according to an embodiment of the present invention.

In more detail, FIG. 12 illustrates a preferred functional configuration of a customer wireless terminal 150 through a wireless terminal connected to a CDMA-based mobile communication network, and a person having ordinary skill in the art to which the present invention pertains, FIG. Referring to the configuration of the wireless terminal function shown in FIG. 12, it is possible to easily infer the functional configuration of the customer wireless terminal 150 other than the wireless terminal.

In terms of hardware, the wireless terminal of FIG. 12 includes an external body, a speaker, a microphone, a keypad, a liquid crystal display (LCD), an antenna, a battery 1230, and the like. Division Multiple Access (CDMA), a predetermined modem chip (e.g., MSM series modem chip of Qualcomm, Inc.) that incorporates functions such as a modem, a CPU / MPU (Central Processing Unit / Micro Processing Unit), a vocoder, various memory devices, A duplexer filter that separates the transmission and reception signals from one antenna, a power amplifier that amplifies the transmission signal, a high power amplifier (HPA), an isolator that prevents the return of the high output transmission signal, and out of band RF / IF SAW filter for removing unwanted signals, frequency up-circuit in the transmission path, frequency down-conversion circuit in the receive path, and VCTCXO (Voltage Controlled T) for the reference clock source emperature Compensated X-tal Oscillator), UHF frequency synthesizer used as a local signal of frequency up-down conversion, and a codec chip for converting an analog voice signal into a digital signal. In addition, the modem chip is integrated in a modem chip, and various functions for various multimedia services and / or supplementary services are directly integrated together in addition to the core components for the mobile communication service as described above.

Referring to the hardware characteristics of the wireless terminal as shown in the functional configuration of the wireless terminal for inputting / extracting / generating and transmitting predetermined customer authentication information for dual customer authentication, the control unit 1205 as shown in FIG. Screen output unit 1210, key input unit 1215, biometric recognition unit 1220, voice processing unit 1225, wireless processing unit 1235, near field communication unit 1240, IC chip reader unit 1245 and memory unit 1270 ) And a battery 1230 for power supply.

The control unit 1205 includes a processor and an execution memory including a CPU / MPU provided in the modem chip in hardware, and includes a predetermined program routine for providing a function specific to a wireless terminal from a predetermined memory device. And / or a bus for inputting and outputting program data and a predetermined electronic circuit (or integrated circuit) provided therefor, wherein the execution memory is selected from a predetermined memory device and / or a chipset in software. Is a generic term for program routines and / or program data which are loaded into and processed by the processor to perform unique functions (hence, in the present invention, input / extract / create and transmit predetermined customer authentication information for dual customer authentication). A predetermined program routine recorded on the recording medium of the wireless terminal for the purpose of It will be described as being provided in the control unit 1205.), the various functions to be implemented in the wireless terminal by the control unit 1205 is realized, and also in order to realize certain functions provided in the wireless terminal It is characterized in that to control and manage the overall operation of the terminal. In particular, in order for the control unit 1205 to control and manage the overall operation of the wireless terminal, the wireless terminal may include operating system routines, system management routines, and / or the like from the memory unit 1270 during a predetermined power input and booting process. Alternatively, the controller 1205 is configured by loading system variables into the execution memory and arithmetic processing by the processor, whereby each functional configuration is operated in the wireless terminal.

The screen output unit 1210 is a liquid crystal display (LCD) driver for outputting a screen and is a key input unit 1215 by the control unit 1205 (for example, a program routine for outputting predetermined information or data to the LCD). Key data generated through the &lt; RTI ID = 0.0 &gt; ) Is output to the LCD, and through the screen output unit 1210 and the LCD is provided a screen output means provided in the wireless terminal.

The key input unit 1215 may include at least one key input from a predetermined keypad including a plurality of number keys, character keys, and / or at least one function key. Read a predetermined information or signal corresponding to the data from the data (for example, from a table that stores the information or signal matching the key data) and delivers it to the control unit 1205, the key Key input means provided in the wireless terminal is provided through an input unit 1215 and a keypad.

The biometric unit 1220 recognizes at least one or more biometric information including a fingerprint, a hand shape, an iris, a voice, a face, a signature, a retina, a vein shape, and / or a DNA (Deoxyribo Nucleic Acid), and the In the present invention, the biometric recognition unit 1220 provided in the wireless terminal recognizes fingerprint information among the biometric information, and reads predetermined fingerprint data. 1220 and a biometric input unit provided in the wireless terminal through a biometric module.

The voice processing unit 1225 encodes a predetermined sound signal input from a microphone provided in the wireless terminal and provides the predetermined sound signal to the controller 1205, or the predetermined sound extracted and / or generated by the controller 1205. A signal is decoded and output through a speaker. To this end, the voice processor 1225 is provided with a predetermined vocoder and a codec. Sound input means provided in the wireless terminal is provided through the voice processor 1225 and a microphone, or sound output means provided in the wireless terminal is provided through the voice processor 1225 and a speaker.

The wireless processor 1235 may be configured to register location and / or slot mode and / or power control in conjunction with the controller 1205 (eg, a program routine for providing a mobile communication service). Or providing a mobile communication service including a hand-off and / or call processing procedure, the base station corresponding to an end of the mobile communication network in the process of providing the mobile communication service; 1305) and an RF processing function (eg, performing antenna control, modulation, synthesis, amplification, and / or filtering of radio frequency signals) for performing transmission and reception of radio frequency signals. In particular, the wireless processing unit 1235 processes the information or signal transmitted from the wireless terminal to the base station 1305 in a CDMA stack or provides a mobile communication service from the CDMA stack received from the base station 1305. It is characterized by providing a function for reading out predetermined information or signals.

According to a preferred embodiment of the present invention, the wireless terminal and the server side 200 provided on the mobile communication network and / or the server side 200 on the network interworking with the mobile communication network via the wireless processing unit 1235 It is preferred to be in communication connection.

The short range communication unit 1240 includes infrared ray communication, RF (Radio Frequency) communication, Bluetooth (BlueTooth), wireless LAN (Wireless LAN), Wi-Fi (Ui-Fi), UWB (Ultra Wide Band system) Characterized in that to connect a predetermined terminal (or device) and a short-range wireless communication session through at least one or more short-range wireless communication means, the hardware includes the infrared communication, RF communication, Bluetooth, WLAN, WiFi, UWB It includes a predetermined short range wireless communication module for short range wireless communication, and includes a communication protocol and / or driver for the short range wireless communication in software.

According to a preferred embodiment of the present invention, the wireless terminal connects a predetermined short range communication device and a short range wireless communication channel through the short range communication unit 1240, and connects the server side through a predetermined communication network to which the short range communication device is connected. It is preferred to be in communication with 200.

The memory unit 1270 is a program information (or code) for controlling the overall operation of the wireless terminal and / or program data (e.g., when the operation by the program routine (or code) is performed, the training information and And / or data collectively referred to as read-only memory (ROM), read-write memory (Flash Memory (FM)), and EEPROM (Electrically Erasable and Programmable Read Only Memory). ) And the like. In general, the ROM stores system information that should not be deleted, and the flash memory stores operating system routines, call processing program routines, and / or application program routines provided through the wireless terminal and information or data therefor. The EEPROM stores terminal registration related parameters, a telephone number (eg, an address book), or at least one information and / or data extracted and / or generated while executing an application provided in the wireless terminal.

The IC chip reader unit 1245 is disposed between the processing unit and / or storage unit and the IC chip 1250 provided in the wireless terminal through the IC chip 1250 standard including ISO / IEC 7816 and / or ISO / IEC 14443. It provides information and / or data exchange of. For example, the IC chip reader unit 1245 provides information and / or data exchange between the IC chip 1250 agent program and the IC chip 1250 through an application protocol data unit (APDU).

Referring to the IC chip 1250 standard including the ISO / IEC 7816 and / or ISO / IEC 14443, and the EMV standard, the IC chip 1250 mounted or detached from the wireless terminal is the IC chip 1250. Communicating with the card terminal device through contact points such as power supply (VCC), reset signal (RST), clock signal (CLK), ground (GND), programming power supply (VPP), and / or input / output (I / O), etc. A processor unit 1260 comprising an input / output interface 1255, a CPU (Central Process Unit), an MPU (Micro Process Unit), and / or a coprocessor, and the like. And a memory unit 1265 including at least one memory element including only memory (RAM), random access memory (RAM), electrically erasable and programmable read only memory (EEPROM), flash memory (FM), and the like. At least one of the devices manages resources inside the smart card. And operating the chip operating system; the (Chip Operating System COS) is provided, and also is provided with at least one IC chip 1250 stores information for providing a service using a smart card, at least one of the remaining memory elements.

According to a preferred embodiment of the present invention, the memory unit 1270 provided in the wireless terminal and / or the memory unit 1265 provided in the IC chip 1250 includes at least one customer authentication information extracted from the wireless terminal. Preferably, the memory unit 1270 provided in the wireless terminal stores customer communication means information including a wireless terminal telephone number and / or network information and / or a terminal serial number. In the memory unit 1265 included in the chip 1250, customer authentication information is provided on the IC chip 1250 (or an IC card). The authentication certificate information, payment method information, customer account information, and the customer wireless terminal 150 are provided. Information (or data) included in the IC chip 1250 included in the IC, authorized certificate information included in the IC chip 1250 included in the customer wireless terminal 150, and the IC provided in the customer wireless terminal 150. Chip original Is information the IC chip 1250, related information including at least one which is stored is preferred.

Referring to FIG. 12, the wireless terminal may include an information input unit 1275 for receiving predetermined customer authentication information, and / or an information extraction unit 1280 for extracting predetermined customer authentication information, and / or predetermined customer authentication information. And an information transmission unit 1285 for generating an information transmission unit 1285 for transmitting the customer authentication information to the server side 200, and the information input unit 1275 and / or The information extracting unit 1280 and / or the information generating unit 1285 and / or the information transmitting unit 1290 are programs for performing respective defined operations in the WIPI platform provided in the wireless terminal. It is preferable to be recorded on a recording medium provided in the), and according to the implementation method, the information transmitting means 170 is a predetermined wireless message (for example, SMS (Short Message Service), or EMS (Enhanced Message Service), or MMS ( Multimedia Messaging Service) As a program, or a program for wireless Internet access for the reception, it is possible to be recorded in the recording medium included in the client mobile terminal 150. The

The information input unit 1275 is linked to the key input unit 1215 customer authentication information including the key data (for example, customer authentication information is ID (ID) information, password information, customer personal information, authorized certificate password information, The payment means password information, password information corresponding to the customer account, account transfer password information corresponding to the customer account) to perform the function of the information input means 155, and / or interworking with the biometric unit 1220 It is characterized in that to perform the function of the information input means 155 for receiving the customer authentication information including the biometric data.

The information extraction unit 1280 performs a function of the information extraction means 160 for extracting customer authentication information including customer communication means information from the memory unit 1270 provided in the wireless terminal, and / or the IC chip. Customer authentication information based on information related to the IC chip 1250 from the memory unit 1265 included in the 1250 (for example, the authentication certificate information, payment means information, customer account information, provided in the customer wireless terminal 150) Information (or data) included in the IC chip 1250, authorized certificate information included in the IC chip 1250 included in the customer wireless terminal 150, and unique information of the IC chip provided in the customer wireless terminal 150. It is characterized in that to perform the function of the information extraction means 160 for extracting.

The information generation unit 1285 processes and / or predetermined information before transmitting the customer authentication information input / extracted through the information input unit 1275 and / or the information extraction unit 1280 to the server side 200. If a data structure change process is required, the function of the information generating means 165 for generating the second customer authentication information through the input / extracted customer authentication information through a predetermined information processing procedure and / or a data structure change procedure is performed. Characterized in that.

In addition, the wireless terminal is provided with an information transmission unit 1290 for transmitting the input / extraction / generated customer authentication information to a predetermined server side 200, the information transmission unit 1290 is the wireless processing unit Perform a function of the information transmission means 170 for transmitting the customer authentication information to the server side 200 in cooperation with the 1235, and / or the customer authentication information in connection with the local area communication unit 1240. It is characterized in that to perform the function of the information transmitting means 170 for transmitting to the server side (200).

Hereinafter, a preferred customer authentication system of the present invention based on a mobile communication network connected to a customer wireless terminal 150 (mobile communication terminal) shown in FIG. 12 as seen through FIGS. 13 to 14 to 15 will be described.

13 is a diagram showing an embodiment of a customer authentication system according to an embodiment of the present invention.

In more detail, Figure 13 illustrates a preferred method of implementing a customer authentication system configured as a single server side 200 as shown in Figure 6, if those of ordinary skill in the art to which the present invention belongs, Figure 13 Various methods of implementing the customer authentication system may be easily inferred through the customer wireless terminal 150 other than the mobile communication terminal shown in FIG.

A mobile communication network connected to the wireless terminal corresponding to the customer wireless terminal 150 is a base transceiver station (BTS) 1305 connected to the wireless terminal through a CDMA stack-based wireless section to connect a predetermined wireless path. And a control station (BTS System Controller; BSC) that connects the base station 1305 and the switching center through a wired section and manages a network control process such as polling, selection, and recovery. 1310 and a wireless switching center 1315, which constitutes an access point for user traffic between a mobile communication network and a general telephone network, another Mobile Switching Center (MSC) in the same or another mobile communication network, joining the mobile communication network. Home Location Register (HLR) 1325 / Visitor Location Register (VLR) 1325 that registers one subscriber location and / or visitor location, and wireless data communications in the network infrastructure for voice calls. An interworking function (IWF) 1330 that provides circuit data services and / or packet data services for connection to other networks.

Referring to FIG. 6 and FIG. 13, the server side 200 communicates with the customer wireless terminal 150 through a predetermined mobile communication network interworking with the network interlocking device 1330 on the mobile communication network. The client wireless terminal 150 and the server side 200 communicate through a predetermined data channel defined in the mobile communication network. In addition, the server side 200 is characterized in that it connects a predetermined communication channel with a wired terminal corresponding to the customer terminal 105 via a predetermined Internet in addition to the mobile communication network.

14 is a view showing an embodiment of a customer authentication system according to another embodiment of the present invention.

In more detail, Figure 14 illustrates a preferred method of implementing a customer authentication system composed of a plurality of server side 200 as shown in Figure 7, if the person skilled in the art to which the present invention belongs, Various methods of implementing the customer authentication system may be easily inferred through the customer wireless terminal 150 other than the mobile communication terminal shown in FIG.

7 and 14, the server side (1) (200-1) is characterized in that connecting a predetermined communication channel with a wired terminal corresponding to the customer terminal 105 through a predetermined Internet and The server side (2) (200-2) is a carrier server provided on the mobile communication network, and the wireless switching center (1315) and / or network interworking device (1330) and / or HLR 1325 / VLR on the mobile communication network. 1325, the server side (1) (200-1) and the server side (2) (200-2) is characterized in that through a predetermined communication network.

According to another embodiment of the invention, the server side (2) (200-2) is the server side (1) (200-) via a predetermined inter-server interface 205 via the network interlocking device (1330). It may be linked with 1).

15 is a view showing an embodiment of a customer authentication system according to another embodiment of the present invention.

In more detail, Figure 15 illustrates a preferred method of implementing a customer authentication system composed of a plurality of server side 200 as shown in Figure 8 or Figure 9, if the person skilled in the art Various methods of implementing the customer authentication system through the customer wireless terminal 150 other than the mobile communication terminal shown in FIG. 15 may be easily inferred.

8 or 9 and 15, the server side (1) 200-1 connects a predetermined communication channel with a wired terminal corresponding to the customer terminal 105 through a predetermined Internet. The server side (2) (200-2) is characterized in that it communicates with the customer wireless terminal 150 through a predetermined communication network that interworks with the network interlocking device (1330) on the mobile communication network.

According to another exemplary embodiment of the present invention, when the customer wireless terminal 150 is a wireless data communication terminal and / or a portable internet terminal, and the mobile communication network is a wireless data communication network and / or a portable internet network, the server side 2 200-2 may be provided on the wireless data communication network and / or the portable Internet network.

16 is a view showing a customer authentication method according to an embodiment of the present invention.

In more detail, FIG. 16 shows a customer authentication system of a single server side 200 type as shown in FIG. 6 or 13, or a customer authentication system of a plurality of server side 200 types as shown in FIG. 7 or FIG. The server side 200 of FIG. 6 or FIG. 13 is an adult as a wired terminal corresponding to the customer terminal 105 as shown in FIGS. 19, 20, 21a, 21b, 23a, 23b, 24a, and 24b. The server side (1) 200-1 of FIG. 7 or FIG. 14 performs the functions of a web server that provides contents, or FIG. 19, FIG. 20, FIG. 21a, FIG. 21b, FIG. 23a, FIG. 23b, and FIG. 24a and 24b function as a web server for providing adult content to a wired terminal corresponding to the customer terminal 105, the server side (2) (200-2) to the web server to the customer wireless terminal ( When performing the function of the relay server to re-send (or relay transmission) the customer authentication information transmitted in 150) It relates to a preferred embodiment of the method.

Referring to FIG. 16, the wired terminal corresponding to the customer terminal 105 accesses a web server providing a content providing service through the Internet (1600), and transmits ID and ID information to the web server as shown in FIG. 19. Customer identifier information including the information is provided (1605).

After providing predetermined customer identifier information from the wired terminal to the web server as described above, the web server provides a predetermined content providing service requested from the wired terminal in response to the customer identifier information at the request of the wired terminal. In operation 1610, it is determined whether a predetermined product (or content) transaction approval is required for the content provision, such as adult content provision of FIG. 20, during the content provision service.

If it is not necessary to approve a predetermined product (or content) transaction for providing the content (1620), the web server provides a predetermined content providing service requested from the wired terminal, while providing a predetermined content for providing the content. If a product (or content) transaction approval is required (1620), the web server extracts customer wireless terminal 150 information corresponding to the customer identifier information from the storage medium 630, or predetermined information to the wired terminal. The customer wireless terminal 150 requests the information and receives it (1625).

When the customer wireless terminal 150 information is read as described above, the web server sends a predetermined customer authentication information request message to the customer wireless terminal 150 corresponding to the customer wireless terminal 150 information as shown in FIG. 21A or 21B. After transmitting 1630, the client wireless terminal 150 waits for receiving customer authentication information corresponding to the customer identifier information (1635).

According to a preferred embodiment of the present invention, the customer wireless terminal 150 inputs predetermined customer authentication information through the customer wireless terminal 150 and transmits it to the web server as shown in FIG. 22a or 22b.

If predetermined customer authentication information is received from the customer wireless terminal 150 (1640), the web server checks the validity of the received customer authentication information (1645).

If the validity of the received customer authentication information is not authenticated (1650), the web server transmits and outputs customer authentication error information to the wired terminal as shown in FIG. 24a or 24b (1655), and transmits to the wired terminal. In operation 1610, a content providing service that does not accompany the approval of the product (or content) transaction is provided.

On the other hand, if the validity of the received customer authentication information is authenticated (1650), the web server transmits and outputs the customer authentication confirmation information to the wired terminal as shown in Figure 23a or 23b (1660), the wired terminal to the A predetermined content transaction service based on a product (or content) transaction approval is provided (1665).

17 and 18 illustrate a method of transmitting customer authentication information according to an exemplary embodiment of the present invention.

In more detail, FIG. 17 illustrates a predetermined customer authentication provided by the web server by accessing the web server through a predetermined data communication protocol (eg, WAP-based wireless Internet) as shown in FIG. 22c in the customer wireless terminal 150. The present invention relates to a preferred method of transmitting predetermined customer authentication information to the web server through an information input / extraction / generation interface. If the user has ordinary knowledge in the technical field to which the present invention pertains, the customer wireless terminal 150 It will be clearly understood that the data communication protocol may be replaced with a predetermined data communication protocol provided in the portable internet network when connected to the predetermined portable internet network.

Referring to FIG. 17, the customer wireless terminal 150 receives a predetermined customer authentication information request message from a web server as shown in FIG. 21A (1700), and a predetermined data communication protocol corresponding to the customer authentication information request message. Change to a web server access mode for transmitting customer authentication information to the web server (for example, wireless Internet) (1705), and access the web server corresponding to the customer authentication information receiving side based on the data communication protocol. (1710).

According to another exemplary embodiment of the present invention, when the customer authentication information receiving side is a predetermined relay server or the customer terminal 105, the customer wireless terminal 150 is connected to the relay server or through a predetermined data communication protocol. The customer terminal 105 may be connected.

When the customer wireless terminal 150 is connected as described above, the web server transmits a predetermined customer authentication information input / extraction / generation interface to the customer wireless terminal 150, and the customer wireless terminal 150 transmits the web. Receives and outputs the customer authentication information input / extraction / generation interface from a server through a predetermined data communication protocol, or executes a predetermined customer authentication information input / extraction / generation interface mounted in the customer wireless terminal 150. Output (1715).

When the customer authentication information input / extraction / generation interface is output as described above, the customer wireless terminal 150 inputs / extracts / prescribes predetermined customer authentication information as shown in FIG. 22C through the customer authentication information input / extraction / generation interface. It generates (1720), and transmits the input / extraction / generated customer authentication information to the web server via the customer authentication information input / extraction / generation interface (1725).

More specifically, Figure 18 is a preferred embodiment of the method for transmitting a predetermined customer authentication information to the web server through a text message as shown in Figure 22a or Figure 22b in the customer wireless terminal 150, the present invention Those skilled in the art will clearly understand that when the customer wireless terminal 150 is connected to a predetermined portable internet network, the text message may be replaced with a predetermined message provided in the portable internet network. .

Referring to FIG. 18, the customer wireless terminal 150 receives a predetermined customer authentication information request message from a web server as shown in FIG. 21a or 21b (1800), and based on the customer authentication information request message 22a, FIG. Alternatively, as shown in FIG. 22B, the operation mode of the customer wireless terminal 150 is changed to a predetermined text message sending mode (1805), and the predetermined customer authentication information requested by the web server is requested through the predetermined information input means 155. Enter (1810).

When the customer authentication information is input as described above, the customer wireless terminal 150 sends the input customer authentication information to the web server according to a predetermined text message sending procedure (1815).

The text message sent from the customer wireless terminal 150 including the customer authentication information is received in a message center on a mobile communication network to which the customer wireless terminal 150 is connected (1820), and the message center receives the text message. By reading and confirming the receiving side information to receive the customer authentication information, whether the receiving side to receive the customer authentication information is the server side 200 (web server) according to the preferred embodiment of the present invention or another implementation method. It is checked whether the terminal side 100 (the wired terminal) follows (1825).

If the final receiving side of the customer authentication information is the web server (1830), the message center retransmits (or relays) the text message including the customer authentication information to the confirmed web server (1845).

According to another embodiment of the present invention, the message center reads the text message to confirm web server information to receive the customer authentication information (1825), and reads the customer authentication information from the text message. It is possible to transmit the read customer authentication information to the web server (1845), or it may further include a process of encrypting for secure transmission of the customer authentication information.

If the final receiving side of the customer authentication information is not the web server (eg, transmitted to the wired terminal) (1830), the message center retransmits the text message including the customer authentication information to the confirmed wired terminal ( Or relay transmission), or read predetermined customer authentication information from the text message and transmit the predetermined customer authentication information to the wired terminal (1835), and the wired terminal temporarily stores the received customer authentication information (1835). The process of approving the content transaction is performed through the stored customer authentication information (1840).

25 is a view showing a customer authentication method according to another embodiment of the present invention.

In more detail, in FIG. 25, in the customer authentication system of the multiple server side 200 method as shown in FIGS. 8 and / or 9 or 14, the server side 1, 200-1 is connected to the customer terminal 105. To perform a function of a shopping mall server that sells a predetermined product to a wired terminal corresponding to a), and the server side (2) (200-2) performs a function of a customer authentication server to approve a product transaction of the shopping mall server. One preferred method for the case is.

In FIG. 25, the shopping mall server extracts the customer wireless terminal 150 information through the same process as the process of reading the customer wireless terminal 150 information of the web server shown in FIG. 16 (1600 to 1625), The customer wireless terminal 150 information is provided to a predetermined customer authentication server which is already affiliated with the shopping mall server (2500), and the customer authentication server corresponds to the customer wireless terminal 150 information. The predetermined customer authentication information request message is transmitted (2510).

According to another exemplary embodiment of the present invention, the process of transmitting the customer authentication information request message may be directly performed by the shopping mall server as in the web server of FIG.

As described above, after the customer's wireless terminal 150 transmits a customer authentication information request message, the shopping mall server waits for receiving a validity authentication result (or transaction approval result) for the customer authentication information from the customer authentication server. According to a preferred implementation method, the customer wireless terminal 150 transmits predetermined customer authentication information to the customer wireless server through the process as shown in FIG. 26, and the customer authentication server performs the process as shown in FIG. The predetermined transaction approval result for the product transaction is generated based on the customer authentication information and transmitted to the shopping mall server.

If the validity authentication result (or transaction approval result) for the customer authentication information is received from the customer authentication server (2515), the shopping mall server reads the received validity authentication result (or transaction approval result) to the wired terminal. It is determined whether or not to approve the transaction (2520).

According to a preferred embodiment of the present invention, the shopping mall server determines whether the product transaction is approved by confirming whether the validity authentication result (or transaction approval result) corresponds to TRUE or FALSE. It is preferable.

If the product transaction is not approved (eg, if the validity authentication result (or transaction approval result) corresponds to FALSE) (2525), the shopping mall server generates a predetermined transaction approval error message to generate the wired message. Transmitting and outputting to the terminal (2530), and ends providing the shopping mall service to the customer.

On the other hand, if the customer is authenticated (eg, if the validity authentication result (or transaction approval result) corresponds to TRUE) (2525), the shopping mall server receives the received validity authentication result (or transaction approval result). After storing (2535) in a predetermined storage medium 630, and provides the shopping mall services (for example, the service to select, purchase in the shopping cart, payment processing online) to the customer through the wired terminal ( In operation 2545, it is determined whether payment processing corresponding to the shopping mall service is performed while providing the shopping mall service.

If the payment process corresponding to the shopping mall service is not performed (2550), the shopping mall server repeats the process 2540 of providing the shopping mall service to the customer through the wired terminal, while the payment corresponding to the shopping mall service is performed. If the processing is performed (2550), the shopping mall server is provided in the IC chip 1250 that the payment processing is mounted or detached from the payment processing (for example, the customer wireless terminal 150) corresponding to the customer wireless terminal 150. Or a payment processing using a billing system for the customer wireless terminal 150, or a payment processing using the unique information of the customer's financial account or the customer IC chip, if the payment processing is the customer wireless terminal 150; (2555), the shopping mall server determines a predetermined payment means selected by the customer and a payment clause corresponding to each payment means. It processes the payment corresponding to the shopping mall service according to (2560). On the other hand, if the payment processing is the payment processing corresponding to the customer wireless terminal 150 (2555), the shopping mall server extracts the validity authentication result (or transaction approval result) for the customer authentication information from the storage medium 630. And a payment corresponding to the shopping mall service based on the validity authentication result (or transaction approval result) (2565).

According to a preferred embodiment of the present invention, the steps (2540-2465) of providing the shopping mall service and payment processing to the customer in the shopping mall server are repeated until the communication channel between the wired terminal and the shopping mall server is disconnected. It is preferable.

26 is a diagram illustrating a method for transmitting customer authentication information according to another embodiment of the present invention.

In more detail, FIG. 26 illustrates a process of transmitting the predetermined customer authentication information input / extracted / generated from the customer wireless terminal 150 to a predetermined customer authentication server as shown in FIG. 25. 150 inputs predetermined customer authentication information provided by the customer authentication server (or relay server) by accessing the customer authentication server (or relay server) through a predetermined data communication protocol (eg, WAP-based wireless Internet). The present invention relates to a preferred method of transmitting predetermined customer authentication information to the web server through an extraction / generation interface. If a person having ordinary knowledge in the technical field to which the present invention belongs, the customer wireless terminal 150 may have a predetermined method. When connected to a portable internet network, the data communication protocol may be replaced with a predetermined data communication protocol provided in the portable internet network. It will be understood clearly bangham.

Referring to FIG. 26, the customer wireless terminal 150 receives a predetermined customer authentication information request message from the customer authentication server (or relay server) (2600), and predetermined data corresponding to the customer authentication information request message. Change to the customer authentication server (or relay server) connection mode for transmitting customer authentication information to the customer authentication server (or relay server) via a communication protocol (e.g., wireless internet) (2605), and change the data communication protocol. In operation 2610, the client authentication server (or the relay server) corresponding to the customer authentication information receiver is connected.

According to another exemplary embodiment of the present invention, when the customer authentication information receiving side is a predetermined shopping mall server or the customer terminal 105, the customer wireless terminal 150 uses the shopping mall server or a predetermined data communication protocol. The customer terminal 105 may be connected.

When the customer wireless terminal 150 is connected as described above, the customer authentication server (or relay server) transmits a predetermined customer authentication information input / extraction / generation interface to the customer wireless terminal 150, wherein the customer wireless terminal 150 receives and outputs the customer authentication information input / extraction / generation interface from the web server through a predetermined data communication protocol, or inputs / extracts predetermined customer authentication information mounted in the customer wireless terminal 150. Run and generate the interface (2615).

When the customer authentication information input / extraction / generation interface is output as described above, the customer wireless terminal 150 inputs / extracts / generates predetermined customer authentication information through the customer authentication information input / extraction / generation interface (2620). ), And transmits the input / extraction / generated customer authentication information to the customer authentication server (or relay server) through the input / extraction / generation interface of the customer authentication information (2625).

When the customer authentication information is received from the customer authentication server according to an exemplary embodiment of the present invention (2630), the customer authentication server authenticates the customer authentication information and performs a predetermined transaction approval result through the process as shown in FIG. Create and send to the shopping mall server.

When receiving the customer authentication information at the relay server according to another embodiment of the present invention (2630), the relay server receives the customer authentication information from the customer wireless terminal 150 (2635), the received It is checked whether the final receiving side of the customer authentication information is the server side 200 (the shopping mall server) or the terminal side 100 (the wired terminal) (2640).

If the final receiving side of the customer authentication information is the shopping mall server (2645), the relay server retransmits (or relays) the customer authentication information to the confirmed shopping mall server (2650).

On the other hand, if the final receiving side of the customer authentication information is not the shopping mall server (eg, transmitted to a wired terminal) (2645), the relay server retransmits (or relays) the customer authentication information to the confirmed wired terminal. In operation 2655, the wired terminal temporarily stores the received customer authentication information (2660), and then approves the content transaction through the temporarily stored customer authentication information (2665).

27 is a diagram illustrating a method of authenticating customer authentication information according to an embodiment of the present invention.

In more detail, FIG. 27 illustrates a case in which the customer authentication information transmitted from the customer wireless terminal 150 is received by the customer authentication server in FIG. 26, and the customer authentication server requests the customer authentication information of FIG. 25. After the transmission process 2505 is performed, waiting for the customer authentication information corresponding to the customer identifier information is received from the customer wireless terminal 150 (2700), and if a predetermined customer from the customer wireless terminal 150 When the authentication information is received (2705), the customer authentication server checks the validity of the received customer authentication information (2710).

According to the exemplary embodiment of the present invention, the validity checking method for the customer authentication information may be variously performed according to the type and characteristic of the received customer authentication information. For example, when the customer authentication information is customer authentication information based on key data input through predetermined information input means 155 provided in the customer terminal 105, the customer authentication server may store a predetermined storage medium 630. By extracting the predetermined customer authentication information stored in accordance with the received customer authentication information to the customer authentication information received from the customer wireless terminal 150 and the customer authentication information extracted from the storage medium 630, Check the validity of the customer authentication information. In addition, the IC chip extracted from the IC chip 1250 that the customer authentication information is mounted on or detached from the customer wireless terminal 150 through a predetermined information extraction means 160 provided in the customer terminal 105 ( 1250) the related information, the customer authentication server checks the validity of the received customer authentication information according to the IC chip 1250 related standards.

If the validity of the received customer authentication information is not authenticated (2715), the customer authentication server generates a validation error authentication result for the customer authentication information (2720), while the validity of the received customer authentication information If it is authenticated (2715), the customer authentication server generates a validation verification result for the customer authentication information (2725).

When the validity authentication result for the customer authentication information is generated as described above, the customer authentication server transmits the validity authentication result (or transaction approval result) for the customer authentication information generated in response to the customer authentication information to the shopping mall server. In operation 2730, the shopping mall server receives and reads a validity authentication result (or a transaction approval result) for the customer authentication information from the customer authentication server of FIG. 25 to determine whether to approve a product transaction for the customer terminal 105. do.

According to the present invention, when accessing a product (or content) transaction server on a network and / or a product (or content) transaction through a predetermined customer terminal, the customer authentication procedure is input / generated / extracted by predetermined customer authentication information. By performing the transmission through a predetermined customer wireless terminal, there is an advantage in that the customer terminal conveniently and stably provides a customer authentication procedure for the product (or content) transaction.

Claims (49)

  1. Product (or content) trading means for performing a predetermined product (or content) transaction with the customer terminal;
    Authentication information requesting means for requesting predetermined customer authentication information to a customer wireless terminal; And
    Characterized in that it comprises a; information receiving means for receiving this, when transmitting the authentication information in the customer wireless terminal,
    The product (or content) trading means is a customer authentication system, characterized in that for approving the product (or content) transaction of the customer terminal based on the authentication information.
  2. The method of claim 1,
    And storing information stored in a predetermined storage medium by linking and processing the customer wireless terminal information and the customer identifier information.
    The authentication information requesting means reads the customer wireless terminal information linked to the customer identifier information from the storage medium, and requests the customer authentication information to the customer wireless terminal.
  3. The method of claim 1, wherein the authentication information,
    Predetermined official certificate information, official certificate password information, the customer ID information, the password information, the customer personal information, the customer biometric information, and the customer communication means provided in the customer wireless terminal; Information, payment means information provided in the customer wireless terminal, payment means password information, account information provided in the customer wireless terminal, password information corresponding to the account, and account transfer password information corresponding to the account. And at least one of information (or data) included in the IC chip provided in the customer wireless terminal, information unique to the IC chip provided in the customer wireless terminal, and predetermined authentication key data provided in the customer wireless terminal. Customer authentication system comprising a.
  4. The method of claim 1 or 3, wherein the authentication information,
    Customer authentication system comprising a one-time authentication information.
  5. The method of claim 1,
    When the customer payment means information is included in the authentication information transmitted from the customer wireless terminal,
    And a payment processing means for processing the payment processing corresponding to the product (or content) transaction of the customer terminal by using the payment means.
  6. The method of claim 1, wherein the product (or content) trading means,
    Customer authentication system, characterized in that to receive predetermined customer identifier information from the customer terminal.
  7. The method of claim 1, wherein the product (or content) trading means,
    Customer authentication system, characterized in that for receiving customer wireless terminal information from the customer terminal.
  8. The method of claim 1, wherein the authentication information requesting means,
    When requesting predetermined customer authentication information to the customer wireless terminal,
    Customer authentication system, characterized in that attached to send a predetermined callback UL for receiving authentication information.
  9. The method of claim 1, wherein the information receiving means,
    Characterized in that located in the server or relay server associated with the carrier server or carrier server,
    Customer authentication system, characterized in that for transmitting the authentication information transmitted from the customer wireless terminal to the product (or content) transaction means.
  10. The method of claim 1, wherein the information receiving means,
    And transmitting the authentication information to the customer terminal so that the authentication information is temporarily stored in the customer terminal.
  11. The method according to any one of claims 1 to 10, wherein each of the means,
    On a single server,
    Customer authentication system, characterized in that provided in a plurality of servers (or terminals).
  12. The method according to any one of claims 1 to 10, wherein the customer terminal,
    A wired terminal including a computer,
    A terminal (or device) including at least one information processor (or kiosk), an ATM, a cash dispenser, a payment terminal, and
    Household appliances equipped with communication functions such as a television, a refrigerator, a microwave oven, and audio,
    Exercise equipment equipped with a communication function,
    Wireless terminals such as mobile phones, PDAs, mobile Internet phones, telematics,
    Landline phone,
    Customer authentication system comprising at least one RFID terminal.
  13. The method according to any one of claims 1 to 10, wherein the customer wireless terminal,
    Customer authentication system comprising at least one of a mobile phone, a PDA, a mobile Internet phone, telematics.
  14. The method of claim 1, wherein the commodity transaction,
    Customer authentication system comprising a financial product transaction.
  15. A recording medium comprising a program for executing the means function of any one of claims 1 to 10.
  16. A customer terminal connected to a server, providing predetermined customer identifier information, and performing predetermined product (or content) transactions;
    After receiving the customer identifier information and extracting customer wireless terminal information associated with the customer identifier information from a predetermined storage medium, or receiving from the customer terminal, requesting predetermined customer authentication information to the customer wireless terminal. Server; And
    In response to a request for customer authentication information from the server, a customer wireless terminal for transmitting predetermined authentication information to the server or relay server, characterized in that it comprises a,
    The server,
    After receiving the authentication information transmitted from the customer wireless terminal directly or through a relay server, the customer authentication system, characterized in that to approve the transaction of the product (or content) of the customer terminal based on the authentication information.
  17. A customer terminal connected to a server, providing predetermined customer identifier information, and performing predetermined product (or content) transactions;
    After receiving the customer identifier information and extracting customer wireless terminal information associated with the customer identifier information from a predetermined storage medium, or receiving from the customer terminal, requesting predetermined customer authentication information to the customer wireless terminal. Server; And
    In response to a request for customer authentication information from the server, a customer wireless terminal for transmitting predetermined authentication information to the server or relay server, characterized in that it comprises a,
    The server or relay server,
    And transmitting the authentication information transmitted from the customer wireless terminal to the customer terminal, so that the authentication information is temporarily stored in the customer terminal.
  18. The method of claim 16 or 17, wherein the authentication information,
    The predetermined authentication certificate information, the authentication certificate password information, the customer ID (ID) information, the password information, the customer personal information, the customer biometric information, the customer communication means information provided in the customer wireless terminal And payment means information provided in the customer wireless terminal, payment means password information, account information provided in the customer wireless terminal, password information corresponding to the account, and account transfer password information corresponding to the account; At least one information (or data) included in the IC chip provided in the customer wireless terminal, information unique to the IC chip provided in the customer wireless terminal, and predetermined authentication key data provided in the customer wireless terminal. Customer authentication system, characterized in that made by.
  19. The method of claim 16 or 17, wherein the authentication information,
    Customer authentication system comprising a one-time authentication information.
  20. The method of claim 16 or 17, wherein the server,
    When the customer payment means information is included in the authentication information transmitted from the customer wireless terminal,
    And a payment process corresponding to a product (or content) transaction of the customer terminal using the payment means.
  21. The method of claim 16 or 17, wherein the server,
    When requesting predetermined customer authentication information to the customer wireless terminal,
    Customer authentication system, characterized in that attached to send a predetermined callback UL for receiving authentication information.
  22. The method of claim 16 or 17, wherein the server,
    Consists of a single server, or
    Customer authentication system comprising a plurality of servers.
  23. The method of claim 16 or 17, wherein the customer terminal,
    A wired terminal including a computer,
    A terminal (or device) including at least one or more information processor (or kiosk), cash dispenser, cash dispenser, or payment terminal;
    Household appliances equipped with communication functions such as a television, a refrigerator, a microwave oven, and audio,
    Exercise equipment equipped with a communication function,
    Wireless terminals such as mobile phones, PDAs, mobile Internet phones, telematics,
    Landline phone,
    Customer authentication system comprising at least one RFID terminal.
  24. 18. The method of claim 16 or 17, wherein the customer wireless terminal,
    Customer authentication system comprising at least one of a mobile phone, a PDA, a mobile Internet phone, telematics.
  25. The method of claim 16 or 17, wherein the commodity transaction,
    Customer authentication system comprising a financial product transaction.
  26. An interface unit for receiving customer identifier information from the customer terminal when the customer terminal is connected;
    A product (or content) trading unit that performs a predetermined product (or content) transaction with the customer terminal;
    A customer wireless terminal information checking unit which extracts customer wireless terminal information processed in association with the customer identifier information received by the receiving unit from a predetermined storage medium or receives from the customer terminal;
    An authentication information request unit for requesting predetermined customer authentication information to the customer wireless terminal using the customer wireless terminal information;
    Receiving unit for directly receiving the authentication information transmitted by the customer wireless terminal or through a relay server; And
    And a transaction approval unit for approving a transaction of a product (or content) of the customer terminal based on the authentication information received by the receiving unit.
  27. The method of claim 26, wherein the authentication information,
    The predetermined authentication certificate information, the authentication certificate password information, the customer ID (ID) information, the password information, the customer personal information, the customer biometric information, the customer communication means information provided in the customer wireless terminal And payment means information provided in the customer wireless terminal, payment means password information, account information provided in the customer wireless terminal, password information corresponding to the account, and account transfer password information corresponding to the account; At least one information (or data) included in the IC chip provided in the customer wireless terminal, information unique to the IC chip provided in the customer wireless terminal, and predetermined authentication key data provided in the customer wireless terminal. Commodity (or content) transaction server, characterized in that made.
  28. The method of claim 26 or 27, wherein the authentication information,
    Commodity (or content) transaction server, characterized in that comprises a one-time authentication information.
  29. The method of claim 26, wherein the product (or content) transaction server,
    When the customer payment means information is included in the authentication information transmitted from the customer wireless terminal,
    And a payment processing unit for processing a payment process corresponding to a product (or content) transaction of the customer terminal by using the payment means.
  30. The method of claim 26, wherein the authentication information request unit,
    When requesting predetermined customer authentication information to the customer wireless terminal,
    Commodity (or content) transaction server, characterized in that attached to send a predetermined callback UEL for receiving authentication information.
  31. The method of claim 26, wherein the receiving unit,
    And transmitting the authentication information to the customer terminal, so that the authentication information is temporarily stored in the customer terminal.
  32. 32. The method of claim 26, wherein the customer terminal,
    A wired terminal including a computer,
    A terminal (or device) including at least one information processor (or kiosk), an ATM, a cash dispenser, a payment terminal, and
    Household appliances equipped with communication functions such as a television, a refrigerator, a microwave oven, and audio,
    Exercise equipment equipped with a communication function,
    Wireless terminals such as mobile phones, PDAs, mobile Internet phones, telematics,
    Landline phone,
    A product (or content) transaction server comprising at least one RFID terminal.
  33. 32. The system of any one of claims 26 to 31, wherein the customer wireless terminal,
    A product (or content) transaction server comprising at least one of a mobile phone, a PDA, a mobile internet phone, and telematics.
  34. The method of claim 26, wherein the commodity transaction,
    Commodity (or content) transaction server, characterized in that comprises a financial product transaction.
  35. 32. A recording medium comprising a program for executing the server function of any one of claims 26 to 31.
  36. A product (or content) transaction step of performing a predetermined product (or content) transaction with a customer terminal in a predetermined product (or content) transaction means;
    An authentication information requesting step of requesting predetermined customer authentication information from the predetermined authentication information requesting means to the customer wireless terminal;
    An information receiving step of receiving predetermined authentication information from the customer wireless terminal in a predetermined information receiving means; And
    And a transaction approval step of approving a product (or content) transaction of the customer terminal on the basis of the received authentication information by a predetermined transaction approval means.
  37. The method of claim 36,
    An information storing step of linking the customer wireless terminal information and the customer identifier information in a predetermined information storage means and storing the stored information in a predetermined storage medium; And
    And reading the customer wireless terminal information linked to the customer identifier information from the storage medium by a predetermined information reading means.
  38. The method of claim 36, wherein the authentication information,
    The predetermined authentication certificate information, the authentication certificate password information, the customer ID (ID) information, the password information, the customer personal information, the customer biometric information, the customer communication means information provided in the customer wireless terminal And payment means information provided in the customer wireless terminal, payment means password information, account information provided in the customer wireless terminal, password information corresponding to the account, and account transfer password information corresponding to the account; At least one information (or data) included in the IC chip provided in the customer wireless terminal, information unique to the IC chip provided in the customer wireless terminal, and predetermined authentication key data provided in the customer wireless terminal. Customer authentication method characterized in that made.
  39. The method of claim 36 or 38, wherein the authentication information,
    Customer authentication method comprising the one-time authentication information.
  40. The method of claim 36,
    When the customer payment means information is included in the received authentication information,
    And a payment processing step of processing, by the payment means, a payment processing corresponding to a product (or content) transaction of the customer terminal in the small payment processing means.
  41. The product (or content) transaction step of performing a predetermined product (or content) transaction with a customer terminal in the predetermined product (or content) transaction means,
    And receiving predetermined customer identifier information from the customer terminal.
  42. The product (or content) transaction step of performing a predetermined product (or content) transaction with a customer terminal in the predetermined product (or content) transaction means,
    And receiving the predetermined customer wireless terminal information from the customer terminal.
  43. 37. The method of claim 36, wherein the authentication information requesting step of requesting predetermined customer authentication information from the predetermined authentication information requesting means to the customer wireless terminal,
    When requesting predetermined authentication information to the customer wireless terminal,
    Customer authentication method characterized in that the transmission to attach a predetermined callback UL for receiving authentication information.
  44. 37. The information receiving step according to claim 36, wherein said predetermined information receiving means receives the predetermined authentication information from said customer wireless terminal.
    When the information receiving means is located in a server or a relay server associated with a communication company server, a communication company server,
    Customer authentication method, characterized in that for transmitting the received authentication information to the transaction approval means.
  45. The information receiving step of claim 36, wherein the predetermined information receiving means receives the predetermined authentication information from the customer wireless terminal.
    And transmitting the received authentication information to the customer terminal, so that the authentication information is temporarily stored in the customer terminal.
  46. 46. The method according to any one of claims 36 to 45, wherein the customer terminal,
    A wired terminal including a computer,
    A terminal (or device) including at least one information processor (or kiosk), an ATM, a cash dispenser, a payment terminal, and
    Household appliances equipped with communication functions such as a television, a refrigerator, a microwave oven, and audio,
    Exercise equipment equipped with a communication function,
    Wireless terminals such as mobile phones, PDAs, mobile Internet phones, telematics,
    Landline phone,
    Customer authentication method comprising at least one RFID terminal.
  47. 46. The method of any of claims 36 to 45, wherein the customer wireless terminal,
    A transaction approval method comprising at least one of a mobile phone, a PDA, a mobile Internet phone, and telematics.
  48. The method of claim 36, wherein the commodity transaction,
    Customer authentication method comprising a financial product transaction.
  49. A recording medium which records a program for executing the method of any one of claims 36 to 45.
KR1020050045330A 2005-03-28 2005-05-28 System and method for authenticating user, server for transacting merchandise(or contents) and recording medium KR20060103797A (en)

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