KR20070020318A - Method for e-billing by using Virtual Mobile Devices - Google Patents

Abstract

The present invention relates to an electronic payment method using a virtual wireless terminal, wherein an Internet user who wants electronic payment is assigned a virtual wireless terminal telephone number from a mobile carrier, and the prepaid, debit, and postpaid type of the allocated virtual wireless terminal is allocated. Step of interworking with an electronic payment method, and when a customer who has been assigned a virtual wireless terminal purchases paid content and requests payment through a mobile electronic payment method, the electronic payment system linked with the corresponding virtual wireless terminal is assigned to the given payment method. And performing an electronic payment accordingly.

Virtual wireless terminal, mobile, electronic payment

Description

Electronic payment method using a virtual wireless terminal {Method for e-billing by using Virtual Mobile Devices}

1 is a simple block diagram of a password input type mobile payment method used in an embodiment of the present invention.

2 is a simple block diagram of a virtual mobile payment system using a virtual wireless terminal.

3 is a simple flowchart illustrating a process of interworking with a corresponding virtual wireless terminal with a prepaid, debit, and postpaid electronic payment method after being assigned a virtual wireless terminal telephone number.

4 is a simple flowchart of a process of performing an electronic payment according to a given payment method by an electronic payment system interworking with a corresponding virtual wireless terminal when requesting a mobile electronic payment method.

<Description of main parts of drawing>

200: virtual mobile payment agent 205: virtual mobile payment server

210: Prepaid / Debit / Postpaid Payment System 215: Internet Browser

220: wireless terminal emulator

The present invention relates to an electronic payment method using a virtual wireless terminal, wherein an Internet user who wants electronic payment is assigned a virtual wireless terminal telephone number for mobile payment, and the prepaid, debit, and postpaid payment method is applied to the virtual wireless terminal. After interworking with each other, the present invention provides a method for performing virtual mobile electronic payment through the virtual wireless terminal on a wired or wireless Internet.

Currently, electronic payment methods that can be used in wired and wireless Internet fields such as paid content providers, Internet shopping malls, and e-marketplaces that require electronic payments include IC card type electronic money, network type electronic money, rechargeable electronic money, electronic wallet, virtual A wide variety of methods are used, such as account deposit, real-time account transfer, e-mail banking, debit cards, credit cards, mobile payments, and ARS telephone payments.

In general, the electronic payment method can be classified according to various classification criteria such as payment time, authentication method, transaction amount, and communication method between seller and customer, prepaid, debit, and It is divided into postpay type electronic payment method.

The prepaid electronic payment method is a method in which a customer pays a certain amount in advance, and then pays through a stored value corresponding to the prepaid amount. Representative prepaid electronic payment methods include an IC card type electronic money, a network type electronic money, Rechargeable electronic money, and electronic wallet.

The direct debit electronic payment method is a payment method in which a customer pays an amount in a customer's account at the same time as a request for payment after purchase. Typical debit electronic payment methods include virtual account deposit, real time account transfer, and e-mail banking. Bank account transfer and debit card-type electronic payment.

The postpaid electronic payment method is a payment method in which an amount is paid after a predetermined time after a purchase by a customer. Representative postpaid electronic payment methods include credit card payment, mobile payment using a wireless terminal, and ARS telephone payment.

Among the above-mentioned electronic payment methods, the most frequently used are postpaid electronic payment methods such as credit card payment and mobile payment.

Credit card electronic payment is mainly used for relatively high payments such as Internet shopping malls, and more than 70% of domestic shopping mall transactions are paid through credit cards. On the other hand, mobile payment using a wireless terminal is mainly used for relatively small payments than credit card payments, and there are payment approval type and password input type according to the payment processing method.

However, the biggest disadvantage of the above-mentioned credit card electronic payment and mobile electronic payment method, the credit card electronic payment is not available to customers who do not own a credit card, mobile electronic payment also does not own a wireless terminal Customer cannot use it.

In particular, unlike credit card e-payment, the main customer of mobile e-payment, which is optimized for paid content purchases, is a minor of a teenager who enjoys playing games or chatting with avatars. Considering the fact that not all customers own wireless terminals, even for adults over twenty years, the above-mentioned problems are related to the activation of mobile electronic payments and the profits of most dot-com companies that want to improve their profit model through content monetization. It is a serious obstacle to structural improvement.

1 is a simple block diagram of a password input mobile payment method used in an embodiment of the present invention.

A mobile payment system using a wireless terminal is composed of a payment gateway (PG) that processes transactions specific to electronic payment, a content provider (CP), a mobile communication system, and the like that are linked to the PG. .

PG connects banks, credit card companies, and mobile telecommunication companies that are withholding institutions for electronic payments through a dedicated line, and connects the CP using the electronic payment service through the Internet to purchase content or products that customers purchase through CP. Settle payments and settle through the withholding agency.

In FIG. 1, the PG is connected to a mobile communication system serving as a withholding institution, as well as a CP for providing mobile electronic payment through the PG. The mobile payment requested by the customer through the CP is processed by the mobile communication system through the PG after a series of approval processes, and the payment amount is included in the wireless terminal communication fee.

The mobile electronic payment as described above, in particular, a brief description of the way the password input type mobile electronic payment is made as follows.

When the customer accesses the CP through the Internet and indicates the purchase intention for the content provided by the CP, the PG requests the personalization information such as the real name and the social security number of the customer through the CP. Then, the PG transmits the personalized information of the customer to the mobile communication system, and the mobile communication system processes the authentication of the customer who indicated the purchase intention through the subscriber authentication process.

When the authentication of the customer who indicated the purchase intention as described above is processed, the PG generates a password for payment processing and transmits the corresponding password to the mobile communication system. The mobile communication system that receives the password for payment processing from the PG transmits the password for payment processing to the wireless terminal of the corresponding customer through SMS (Short Message Service).

The customer who has received the payment processing password through the wireless terminal transmits the corresponding password to the PG through the CP. Then, the PG checks the password for payment processing received through the CP, generates the billing data of the customer, and sends it to the CP, and the mobile communication system bills the payment amount in the customer's next month's communication fee to enter the password. Mobile payment processing and settlement is completed.

However, the above mobile electronic payment has a disadvantage that the client must have a wireless terminal owned by the client.

An object of the present invention to solve the above problems is to enable the electronic payment using a wireless terminal on the wired or wireless even if the client does not have a real wireless terminal to the client who wants to make an electronic payment on the wired or wireless Assigning a number, interworking the virtual wireless terminal information data allocated to the client with the electronic payment system, and requesting the payment of the client assigned the virtual wireless terminal, the electronic payment system interworking with the virtual wireless terminal. It provides an electronic payment method using a virtual wireless terminal, characterized in that it comprises the step of performing the electronic payment through.

The present invention relates to an electronic payment method using a virtual wireless terminal, wherein an Internet user who wants electronic payment is assigned a virtual wireless terminal telephone number from a mobile carrier, and the prepaid, debit, and postpaid type of the allocated virtual wireless terminal is allocated. Step of interworking with an electronic payment method, and when a customer who has been assigned a virtual wireless terminal purchases paid content and requests payment through a mobile electronic payment method, the electronic payment system linked with the corresponding virtual wireless terminal is assigned to the given payment method. And performing an electronic payment accordingly.

In the present invention, an electronic payment method interworking with a virtual wireless terminal includes both a prepaid payment method, a debit payment method, and a postpaid payment method, and the virtual mobile payment method used in the present invention includes an existing mobile electronic payment method. Like the method, it includes both a payment approval mobile electronic payment method and a password input mobile electronic payment method.

In the present invention, the term "virtual wireless terminal" refers to a mobile device such as a personal communication service (PCS), a personal digital assistant (PDA), a personal digital cellular (PDC), a personal handyphone system (PHS), and a smart phone. It refers to a payment phone number assigned to a customer by a mobile carrier for a virtual mobile payment and a wireless terminal emulator that processes mobile payment through the corresponding phone number, not an actual wireless terminal linked to a payment system.

Hereinafter, the features of the present invention will be described in detail with reference to the accompanying drawings. However, the following drawings and descriptions are for representative methods among various methods for properly describing the present invention, and the present invention is not limited only to the following drawings and descriptions.

An embodiment of the present invention relates to a password input virtual mobile payment method, and transmits a payment password to the wireless terminal emulator in the virtual mobile payment process, such as a password input mobile payment, the customer enters the payment only password CP The electronic payment is completed through the process of transmitting to the PG.

2 is a simple block diagram of a virtual mobile payment system using a virtual wireless terminal.

The role of the CP 110, the PG 105, and the mobile communication system 100 in the virtual mobile payment system is the same as that of the existing mobile payment system as shown in FIG. 1, in particular, in the case of the CP 110 or the PG 105. It is not necessary to confirm whether the personalized information and the telephone number of the customer used for the payment are for the virtual mobile payment for the present invention or for the mobile payment using the actual wireless terminal.

However, in the mobile communication system 100, when a payment process is requested through a virtual wireless terminal, that is, a payment-only phone number assigned for virtual mobile payment, and the phone number for a customer who does not own the actual wireless terminal, The virtual mobile payment agent 200 for requesting to process the job through the virtual mobile payment server 205 is mounted.

The virtual mobile payment agent 200 processes personalized subscriber information for the customer through the virtual mobile payment server 205 and allocates a dedicated virtual wireless terminal telephone number through the virtual mobile payment server 205 in preparation for virtual mobile payment. In the process of requesting the virtual mobile payment from the PG 105, the mobile terminal transmits the payment-only password to the wireless terminal emulator 220 through the virtual mobile payment server 205.

The virtual mobile payment server 205 is connected with the virtual mobile payment agent 200 of the mobile communication system 100, is connected with the wireless terminal emulator 220 of the client 115 via the Internet, and prepaid by the customer. It is linked with the payment type, debit type, and postpay type payment system 210.

Accordingly, the virtual mobile payment server 205 serves as a server for transmitting a payment-only password to the wireless terminal emulator 220 in the process of processing the virtual mobile payment, and prepaid / debit linked with the virtual mobile payment system. In the process of completing the payment through the / postpay billing system 210 serves as a PG for the payment system.

The process of processing the virtual mobile payment by the virtual mobile payment server 205 distributes the wireless terminal emulator 220 to the client 115, and then, from the virtual mobile payment agent 200 of the mobile communication system 100, the virtual mobile payment. When the payment process is requested, the payment is made to the wireless terminal emulator 220 of the client 115 through a method of transmitting a password.

In addition, the process of completing the payment through the prepaid / debit / postpaid payment system 210 in which the virtual mobile payment server 205 is linked with the virtual mobile payment system is a payment transmitted by the customer to the wireless terminal emulator 220. When the dedicated password is transmitted to the PG 105 via the CP 110, the billing information for the customer is transmitted to the virtual mobile payment server 205 through the virtual mobile payment agent 200 of the mobile communication system 100. The virtual mobile payment server 205 completes the virtual mobile payment by acting as a PG of the prepaid / debit / postpaid payment system 210. At this time, the settlement method of the virtual mobile payment system depends on the electronic payment system and the protocol used by the payment system linked to the virtual mobile payment system.

The wireless terminal emulator 220 refers to a software, a wireless application protocol (WAP) browser, or an internet browser that acts as a wireless terminal on a computer for virtual mobile payment, and acts as an actual wireless terminal in the virtual mobile payment process. Play a role.

The virtual mobile payment processing between the virtual mobile payment server 205 and the wireless terminal emulator 220 mounted on the client 115 depends on the type and function of the wireless terminal emulator 220. For example, when the wireless terminal emulator 220 is software for virtual mobile payment only, the payment process is processed by a protocol and security policy specific to the software, and the wireless terminal emulator 220 is equipped with a WAP browser. Although, the virtual mobile payment server 205 and the wireless terminal emulator 220 are connected through the Internet, there are wireless Internet protocols such as Wireless Markup Language (WML), Wireless Transport Layer Security (WTLS), and Secure (SSL). Wireless Internet security policies such as Socket Layer (WPKI), Wireless Public Key Infrastructure (WPKI), and End To End (E2E) apply. Of course, when the wireless terminal emulator 220 is an Internet browser, a wired Internet protocol such as HyperText Markup Language (HTML) and the high level security policy on the wired Internet are applied.

The prepaid / debit / postpaid payment system 210 settles through each payment system designated by the customer instead of the wireless terminal communication billing at the completion of the virtual mobile payment, and the CP 110 and the PG 105 There is no need to know the presence of the prepaid / debit / postpaid payment system (210). That is, the CP 110 and the PG 105 request the electronic payment processing through the same method as the existing mobile payment, the virtual mobile payment agent 200 of the mobile communication system 100, the virtual mobile payment server 205, The wireless terminal emulator 220 processes the corresponding electronic payment and completes the virtual mobile payment through the prepaid / debit / postpaid payment system 210 in which the customer is linked.

FIG. 3 is a simple flowchart illustrating a process of interworking with a corresponding virtual wireless terminal with a prepaid, debit, and postpaid electronic payment method after an Internet user who desires mobile payment is assigned a virtual wireless terminal telephone number from a mobile carrier.

When the customer who wants to make a mobile payment accesses the virtual mobile payment server 205 (300) and completes the membership registration, inputs personalization information necessary for the mobile carrier subscriber registration to receive the virtual wireless terminal telephone number (305). The virtual mobile payment server 205 confirms via the virtual mobile payment agent 200 of the mobile communication system 100 that the personalized information of the customer is assigned a virtual wireless terminal telephone number and is capable of subscriber registration (310).

Since the information entered during the mobile communication subscription process is used for the authentication process required for payment approval and processing, the above process is for determining accurate information input and legality, and the registration of the customer is performed by the mobile communication company. Determined by policy If the registration of the customer is rejected due to the policy of the mobile communication company or other reasons, the virtual mobile payment server 205 cannot process the virtual mobile payment service for the customer.

If the virtual mobile payment service can be registered by the customer who has entered the personalized information through the mobile communication system 100, the virtual mobile payment service selects the telephone number to be assigned through the customer (315), and the process This is repeated until the customer selects a valid phone number to assign.

When the customer enters the personalization information as described above to the mobile communication system 100 through the virtual mobile payment server 205 and the virtual mobile payment agent 200 and the like and is assigned a phone number, the mobile communication system 100 corresponds to the corresponding mobile phone. Generate virtual mobile payment processing information for the customer (320), which is the same as the existing mobile payment processing information.

When the virtual wireless terminal telephone number of the customer who wants to make a virtual mobile payment is allocated through the above process and the registration process for the mobile communication system 100 is completed (325), the virtual mobile payment server 205 uses the customer. The prepaid, debit, or postpaid electronic payment system 210 to be linked with the virtual mobile payment system is selected (330). Customers who wish to make virtual mobile payments can then prepaid electronic payment systems, including IC card electronic money, network electronic money, rechargeable electronic money, and electronic wallets, virtual account deposits, real time account transfers, and email banking (E Prepaid electronic payment system including e-mail banking) and postpaid electronic payment system including credit card payment, mobile terminal payment, and ARS telephone payment. Select.

In particular, in the case where the mobile payment system and the virtual mobile payment system are interlocked among the payment systems, the mobile payment system and the virtual mobile payment system are very unusual. For example, if a minor who does not own a wireless terminal is assigned a virtual wireless terminal phone number and registered in the virtual mobile payment system, and then obtains the consent of the guardian, the mobile terminal of the virtual mobile payment system and the guardian are interlocked. By allowing a minor to process a virtual mobile payment on the Internet and have the guardian complete the final approval of the payment, a minor who does not own a wireless terminal can easily make a virtual mobile payment with the consent and approval of the guardian.

When the prepaid, debit, or postpaid electronic payment system is selected through the above process, the virtual mobile payment server 205 checks whether the linked payment system is available (335). ). For example, if a customer who wants to make a virtual mobile payment has linked a prepaid card type electronic money, the virtual mobile payment server 205 may link the prepaid card with a virtual mobile payment server and store the stored value charged in the prepaid card. Check whether the electronic payment system is compatible with the virtual mobile payment system by checking whether it is sufficient to be used in the system.

If the electronic payment system selected by the customer is not available (340), the virtual mobile payment server 205 processes the electronic payment server and the virtual mobile payment system to be used (345). For example, if the prepaid card selected by the customer is not associated with the virtual mobile payment server 205 or the storage value is not charged enough to be used for the virtual mobile payment, the virtual mobile payment server 205 may use the available prepaid card. It is recommended to use or to charge the prepaid card sufficient storage value, so that the electronic payment is processed smoothly.

When the customer who wants to use the virtual mobile payment is registered as a subscriber who is capable of virtual mobile payment through the mobile communication system 100, and the prepaid, debit, or postpaid electronic payment system available for the corresponding virtual mobile payment system is interlocked ( 350, the virtual mobile payment server 205 distributes the wireless terminal emulator 220 specialized for the customer to the client 115 of the customer (355).

4 shows that when a customer who is assigned a virtual wireless terminal purchases paid content and requests payment through a mobile electronic payment method, the electronic payment system linked with the corresponding virtual wireless terminal performs electronic payment according to a given payment method. A simple flow chart for the process.

Figure 4 is a password input virtual mobile payment method, like the existing password input mobile payment in the virtual mobile payment process to transmit the password for the wireless terminal emulator 220, the customer CP for the corresponding payment only password The electronic payment is completed through the process of transmitting to the PG 105 via 110. However, the CP 110 and the PG 105 participating in the virtual mobile payment do not need to check whether the virtual wireless terminal telephone number inputted by the customer is the telephone number of the actual terminal or the telephone number of the virtual wireless terminal.

When the customer who wants to make a virtual mobile payment runs the wireless terminal emulator 220 in the form of a dedicated software, a WAP browser, or an Internet browser distributed through the virtual mobile payment server 205 on the client 115 (400), the wireless terminal The emulator 220 connects to the virtual mobile payment server 205, and the customer authenticates the user by inputting his ID and password (405). If the user authentication is rejected in the process (410), the customer registers the user in the virtual mobile payment server 205 through the process as shown in Figure 3 (415), the virtual through the virtual mobile payment agent 200 After receiving the wireless terminal telephone number, the prepaid, debit, or postpaid electronic payment system 210 is interlocked with the assigned virtual mobile payment system (420).

When the user authentication of the virtual mobile payment server 205 is completed through the above process (425), the customer indicates the purchase intention of the content through the CP (110), and the social security number and telephone number through the PG 105 Enter. Then, the PG 105 transmits the information to the mobile communication system 100 to request subscriber authentication, and the mobile communication system 100 performs subscriber authentication on personal information input through the virtual mobile payment agent 200. Process 430.

If the customer requesting subscriber authentication is a normal mobile communication subscriber or a subscriber requesting virtual mobile payment processing (435), the mobile communication system 100 transmits the result to the PG 105, and the PG 105 receives The mobile station generates a mobile payment-specific password for payment processing requested through the CP 110 and transmits the generated mobile payment system to the mobile communication system 100 (440). However, if the customer requesting the payment processing through the PG 105 is not a normal mobile communication subscriber or a subscriber requesting the virtual mobile payment processing, the mobile service provider rejects the subscriber authentication, and the mobile payment error information for the customer. The processing result is transmitted to the client 115.

When the subscriber authentication is confirmed through the above-described process, and the payment-only password for the CP 110 is generated from the PG 105 and received in the mobile communication system 100, the mobile communication system 100 determines that the corresponding customer is normal. Check whether the mobile communication subscriber or the subscriber who requested the virtual mobile payment. If the subscriber is a normal subscriber (445), the mobile communication system 100 processes the payment through the existing mobile payment method (450), on the contrary, if the subscriber requested a virtual mobile payment (455), the mobile The communication system 100 transmits the personal information of the corresponding customer and the payment-only password received from the PG 105 to the virtual mobile payment agent 200 to request to process the virtual mobile payment (460).

Then, the virtual mobile payment agent 200 emulates the personal information of the customer who requested the virtual mobile payment and the payment-only password received from the PG 105. Transmit to 220 (465). The process is the same as the payment-only password generated in the PG 105 in the password input mobile payment system is transmitted to the customer's wireless terminal.

When the payment-only password is transmitted to the wireless terminal emulator 220 of the customer through the virtual mobile payment server 205 as described above, the customer transmits the received payment-only password to the PG 105 through the CP 110 ( 470).

The PG 105 which receives the payment-only password through the CP 110 generates charging information and transmits it to the mobile communication system 100, and the mobile communication system 100 transmits the information through the virtual mobile payment agent 200. In operation 475, the virtual mobile payment server 205 is transmitted to the virtual mobile payment server 205.

When the billing information generated by the PG 105 is received by the virtual mobile payment server 205, the virtual mobile payment server 205 is prepaid, debit, or postpaid payment linked to the virtual mobile payment system of the corresponding customer. Verify that system 210 is available. If the prepaid, debit, or postpaid payment system 210 that is linked with the customer's virtual mobile payment system is not available, the virtual mobile payment server 205 returns the result to the virtual mobile of the mobile communication system 100. The payment information is sent to the payment agent 200, and the virtual mobile payment agent 200 generates payment error information and transmits the information to the PG 105.

However, if the prepaid, debit, or postpaid payment system 210 that is linked to the customer's virtual mobile payment system is available (480), the virtual mobile payment server 205 is billing information through the electronic payment system; After processing and paying for the payment (485), and transmits the result to the mobile communication system 100, as well as transmitting to the client 115 (490) completes the virtual mobile payment.

According to the present invention, even if the client does not actually have a wireless terminal, there is an effect that it is possible to smoothly perform electronic payment using the wireless terminal on wired or wireless.

In addition, if a minor who does not own a wireless terminal is assigned to a virtual mobile terminal telephone number and registered in the virtual mobile payment system, and the parent of a mobile terminal interoperates with the mobile terminal of the virtual mobile payment system with the consent of the guardian, the minor is connected to the Internet. By processing the virtual mobile payment on the mobile phone, and the final approval of the payment to the guardian to complete, there is an effect that even a minor who does not own a wireless terminal can easily make a virtual mobile payment through the consent and approval of the guardian.

Claims (2)

Assigning a telephone number for payment processing to a user at a server, and storing and registering the allocated telephone number information in association with the personal information of the user; If the user provides payment system information of the user to be linked with the assigned telephone number, storing and registering the telephone number information and the payment system information of the user in a server; And When the payment processing request using the user's phone number is requested, the server processes the payment system information of the user stored and registered in association with the phone number information, and the payment is performed using the confirmed payment system of the user. Performing a process; electronic payment method comprising a. The method of claim 1, wherein the user's payment system, A prepaid electronic payment system including at least one of an IC card type electronic money, a network type electronic money, a rechargeable electronic money, and an electronic wallet; A debit electronic payment system including at least one of a virtual account deposit, real time account transfer, and e-mail banking; An electronic payment method comprising at least one post-paid electronic payment system including at least one of a credit card payment, a mobile payment using a wireless terminal, and an ARS telephone payment.

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