KR20070018329A - System for payment using mobile - Google Patents

Abstract

The present invention relates to a payment system using a mobile communication terminal, and more particularly, to be mounted on a mobile communication terminal when performing a financial transaction using a mobile communication terminal equipped with a smart chip in a commerce performed online or offline. It relates to a payment system for the purchase price of goods using a smart card that is used as a means of identity verification and payment.

The payment system using the mobile communication terminal of the present invention includes a display unit, an operation unit for outputting a signal according to a user's operation, user's personal information and payment amount information, a smart card storing security information for payment, and When a payment signal is input from an operation unit, a mobile communication terminal including a control unit for checking the amount information of the smart card and outputting a payment request signal including the amount information, and inputting a payment request signal from the control unit of the mobile communication terminal. And a payment management server configured to output the balance information obtained by subtracting the payment amount from the payment information, and the controller of the mobile communication terminal receives the balance information of the payment management server to receive the amount information of the smart card. It is characterized by updating.

Mobile terminal, payment, smart card

Description

Payment system using mobile communication terminal {SYSTEM FOR PAYMENT USING MOBILE}

1 is a block diagram showing the configuration of a payment system using a mobile communication terminal according to an embodiment of the present invention;

2 is an operation flowchart of a payment system using a mobile communication terminal according to an embodiment of the present invention.

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

100 Mobile Terminal 110 Control Panel

120 control unit 130 display unit

140 UIM Card 200 Network

300 Billing Management Server 310 Commodity Seller Server

The present invention relates to a payment system using a mobile communication terminal, and more particularly, to be mounted on a mobile communication terminal when performing a financial transaction using a mobile communication terminal equipped with a smart chip in a commerce performed online or offline. It relates to a payment system for the purchase price of goods using the smart card used as a means of authentication and payment.

Recently, mobile carriers have competitively provided mobile banking services, and now mobile phones have sockets for inserting plug-in cards, and some mobile banking subscribers have been issued mobile banking chips issued by financial institutions. It forms a critical mass. In addition, mobile operators are currently promoting WCDMA services, and phone manufacturers are also developing WCDMA phones in response to the WCDMA service era. Accordingly, under the WCDMA method, a mobile subscriber can use a personal mobile phone number as a plug-in type of Subscriber Identify Module (SIM), User Identify Module (UIM), and User Subscriber Identify Module (USIM). A smart card such as a module will be issued. Subscribers can receive WCDMA mobile communication services using their unique personal identification number (PIN number).

As is well known, on the basis of these markets and trends, by using a smart card or smart chip mounted on a mobile phone to perform user authentication and transaction, it is possible to prevent theft of small amount of money and to make a high payment using a financial IC chip issued by the financial sector. In this case, there is an advantage that a safe payment can be performed while avoiding exposure of personal credit information such as directly entering a credit card number or a social security number.

Conventionally, a payment method for performing a micropayment function by using an authentication number exchange method through a short message with a simple payment procedure using a mobile communication terminal which is easy to carry and mobile is generally used. Resident registration number is used as the identity verification method, which shows a lot of cases of identity theft, and the transaction limit is low, so it is difficult to apply to various fields. In the case of large payments, there is a risk of exposing personal credit information such as entering a credit card number directly.

Briefly describing the micro payment service using the conventional SMS method, when a buyer purchases a product or content from an online seller and requests a payment from a seller and selects a mobile phone payment, the payment gateway (PG) is called a payment gateway (PG). The payment window established by the user appears and the buyer enters predetermined payment information such as a mobile phone number and a social security number. The PG determines whether to approve in association with the mobile communication provider and generates an approval number when the approval requirement is met and transmits the approval number to the buyer's mobile communication terminal through a short message. When the purchaser inputs the approval number received in the short message into the payment window, the PG compares the database approval number with the retransmitted approval number and finally confirms the payment of the product.

In addition, briefly describing the micro payment service using the conventional ARS method, when a buyer purchases a product or content from the seller and requests the seller to make a payment and selects ARS payment, a payment window established by the PG is displayed and the buyer selects Enter the information. PG works in conjunction with a mobile carrier that a buyer subscribes to determine user authentication, generates an authorization number when meeting the approval requirements, and when a buyer calls the ARS system operated by PG, a certification number guide system provides a certification number. To pass. When the purchaser enters the authentication number provided on the terminal according to the PG's guidance or the ARS phone in the information window displayed on the monitor, the PG requests the mobile carrier to approve the payment and transmits the processing result to the seller. In this way, when the buyer's identity is confirmed, the seller provides services such as goods or content to the buyer. The payment method as described above is a micro payment service of a predetermined amount or less, and the amount to be paid by the buyer to the seller is billed monthly by the mobile carrier or the carrier together with the billing of the mobile communication fee or the communication fee.

On the other hand, the payment method as described above, in order for the buyer to purchase goods or content from the seller, it is necessary to enter online personal information such as social security number and name together with the mobile communication number or telephone number, PG is provided as As described above, the payment process is performed through interworking with the mobile carrier based on the purchaser's personal information or phone number.

However, the payment method using the conventional communication terminal as described above can not accurately identify whether the buyer using the service is the person with the personal information provided to the seller or the online PG, the name may be stolen, There was a problem that personal information could be leaked if entered.

In addition, the short message method and the ARS method has a cumbersome inconvenience of having to go through a procedure of confirming a separate authentication number.

The present invention is to solve the above problems, to accurately identify whether the personal information provided to the seller to eliminate the concern of identity theft, while the online payment process such as personal identification information and card number information in the payment process The present invention provides a payment system using a mobile communication terminal with a smart card to make a payment without going through it.

In particular, by using a module in which user information is pre-built as a payment method, an object of the present invention is to provide a payment system that does not require a separate external authentication procedure.

In particular, since the amount of payment information is pre-stored in the smart card, an object of the present invention is to provide a payment system using a mobile communication terminal that is easy to pay.

In order to achieve the above object, a payment system using a mobile communication terminal of the present invention includes a display unit, an operation unit for outputting a signal according to a user's operation, user's personal information and payment amount information, and security information for payment. A mobile communication terminal including a stored smart card and a control unit which, when a payment signal is input from the operation unit, checks the amount information of the smart card and outputs a payment request signal including the amount information; and a control unit of the mobile communication terminal. And receiving a payment request signal from the terminal, approving the signal, and outputting balance information of the amount information, the balance amount being subtracted from the amount information. The control unit of the mobile communication terminal receives the balance information of the payment management server. It is characterized by updating the amount information of the smart card.

In addition, in the payment system using the mobile communication terminal of the present invention, the security information of the smart card is a password for user authentication, and the control unit queries the password when a payment signal is input from the operation unit, and the password inputted through the operation unit. Compare and compare the password of the smart card, characterized in that for outputting a payment request signal.

In addition, in the payment system using the mobile communication terminal of the present invention, when the payment signal is input from the operation unit, the controller checks the balance from the amount information of the smart card, and the balance of the smart card is less than the amount to be paid. In this case, an error signal is output to the display unit.

As described above, the user's personal information, payment amount information, and password for authentication are stored in the smart card, and when a payment request is input by the user, the user is prompted to enter a password to match and match the stored password. By enabling it, authentication from outside is unnecessary.

Hereinafter, with reference to the accompanying drawings 1 and 2 will be described an embodiment of the present invention.

1 is a block diagram showing the configuration of a payment system using a mobile communication terminal according to an embodiment of the present invention, Figure 2 is an operation flowchart of a payment system using a mobile communication terminal according to an embodiment of the present invention.

First, the configuration of this embodiment will be briefly described with reference to FIG. 1.

The operation unit 110 for outputting a signal according to the user's operation, the user's personal information and payment amount information, the UIM card 140 stored the security information for payment and the payment signal is input from the operation unit 110 Check the amount information of the UIM card 140, output a payment request signal including the amount information and the user information, receive a payment completion signal and output a signal for displaying it to the user, and the payment completion signal. The mobile communication terminal includes a control unit 120 for outputting a signal for recording the balance information included in the UIM card 140, and a display unit 130 for receiving and displaying an output signal of the control unit 120. With 100,

Network (200),

Receives a payment request signal from the control unit 120 of the mobile communication terminal 100 through the network 200, approves it, and displays balance information obtained by subtracting a payment amount from the price information included in the payment request signal. The payment management server 300 outputs the signal of the mobile communication terminal 100, and outputs a signal for requesting the payment item;

It includes a goods seller server 310 for receiving the goods request signal from the payment management server 300 to provide goods.

In the present embodiment, the UIM card 140 is described as an example of a smart card, but is not limited thereto.

The user information stored in the UIM card 140 is information such as name, address, age, and the like. The amount information is recorded by charging or determining a desired amount of money. In addition, the security information stored in the UIM card 140 is a password for user authentication when the payment request.

Let's look at the operation of the control unit 120 in detail with reference to FIG.

It is determined whether an input signal for requesting purchase of goods through the operation unit 110 is input (S11), and if it is input, a query window is displayed to the user (S12), and if a payment request signal is input from the operation unit 110, a password input window is input. Is displayed to the user, and allows the user to enter a password through the operation unit (110). The controller 120 compares the password inputted through the operation unit 110 with the password stored in the UIM card 140 (S14), and if the payment is correct, the payment is compared with the amount information stored in the UIM card 140. It is determined whether the amount is possible (S15). If the amount to be paid is greater than the amount stored in the UIM card 14, the control unit 120 outputs a message indicating that the amount is insufficient through the display unit 130 (S19), otherwise the user information and the amount information payment management server ( 300) (S16). Subsequently, it is determined whether a payment completion signal is received from the payment management server 300 (S17), and when received, displays a payment completion message and a balance to the user through the display unit 130, and displays the balance information on the UIM card 140. The control signal is output to update the price information.

The payment management server 300 transmits the user information and the payment amount information to the goods seller server 310, the goods seller server 310 to deliver the goods to the address of the user information.

If the password is not correct in the step (S14), the password error message is displayed to the user through the display unit 130. In this case, the confirmation process of the password may be repeated three times or so if an incorrect password is input three times in succession to output an error message.

As described above, the present invention has an advantage that it is possible to easily pay for the goods without having to go through a separate external authentication procedure.

In addition, if the amount information of the smart card is 100,000 won, it is possible to pay for the purchase of goods only within the range of 100,000 won, thereby preventing the financial accidents caused by the overexploitation of the conventional credit card information, etc., it is possible to prevent excessive consumption.

One embodiment of the present invention described above should not be construed as limiting the technical spirit of the present invention. The protection scope of the present invention is limited only by the matters described in the claims, and those skilled in the art can change and change the technical idea of the present invention in various forms. Therefore, such improvements and modifications will fall within the protection scope of the present invention as long as it will be apparent to those skilled in the art.

Claims (3)

As a payment system using a mobile communication terminal, A display unit, an operation unit for outputting a signal according to a user's operation, a smart card storing user's personal information and payment amount information, security information for payment, and a payment signal from the operation unit, A mobile communication terminal including a control unit which checks the amount information of the and outputs a payment request signal including the amount information; Receiving a payment request signal from the control unit of the mobile communication terminal, and approves it, and comprises a payment management server for outputting balance information subtracted from the payment amount information, The controller of the mobile communication terminal receives the balance information of the payment management server and updates the amount information of the smart card. The method of claim 1, The security information of the smart card is a password for user authentication, The control unit queries a password when a payment signal is input from the operation unit, and compares the password inputted through the operation unit with a password of the smart card and outputs a payment request signal if the password is matched. . The method of claim 2, When the payment signal is input from the operation unit, the control unit checks the balance from the amount information of the smart card, and if the balance of the smart card is less than the amount to be paid further comprises an error signal to the display unit; Payment system using a mobile terminal.

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