KR20070025377A - Settlement system using mobile phone having e-money smart card - Google Patents

Abstract

A settlement system using a mobile phone having e-money smart card is provided to remove inconvenience such as leakage of personal information, illegal use and card number input, and cash flow delay and uncollected amount due to credit transaction by making a user settle various prices within a range of an e-money amount stored in the smart card through the mobile network. The mobile terminal(10) of a buyer includes a contact/contactless chargeable smart card(11) having an e-money function. A seller(20) communicates with the buyer mobile terminal to settle an article price through a mobile settlement number. A PG(Payment Gateway) server(30) provides the mobile settlement number to the seller, obtains settlement data using the smart card by intervening in settlement communication between the buyer mobile terminal and the seller, and approves the settlement. An e-money management server(40) approves the settlement using the smart card by receiving the settlement data from the PG server and performs the settlement by offsetting the settled price from the amount charged in the smart card.

Description

Settlement System Using Mobile Phone Having E-Money Smart Card}

1 is a schematic structural diagram of an exemplary payment system according to the present invention;

2 is an exemplary flowchart of the payment system of the present invention.

<Description of Symbols for Main Parts of Drawings>

1: Payment system of the present invention 2: Buyer

2A: Buyer's Computer 3: Carrier

10: mobile communication terminal (mobile phone) 10A: CPU

10B: Input 10C: Monitor

11: smart card (combi card) 11A: RF antenna

20: Seller 20A: Seller's communication device

21: Goods 30: Electronic Payment Agent Server

40: electronic money management server

(Technology)

The present invention relates to a payment system, which connects the communication to the mobile phone number dedicated to payments allocated to the seller to enable payment of various goods with the amount of money charged in the electronic money of the smart card embedded in the mobile communication terminal. The present invention relates to a payment system using a mobile communication terminal having a smart card with an electronic money function.

(Background)

As information technology progresses, payment methods for various goods and services (hereinafter referred to as 'goods') are rapidly moving from traditional cash to credit cards and electronic money. In addition, instead of cash, transportation cards (e.g., T-MONEY, managed by Korean smart cards in Korea) are widely used.

As mentioned above, the most commonly used electronic money in Korea is a transportation card for payment of transportation fees. A transportation card is a kind of smart card using an RFID system. Each time the vehicle is stored (charged) and the vehicle is used, the card is contacted to the reader (traffic meter) in a non-contact manner so that the corresponding fare is reduced from the stored amount.

As is widely known, smart cards can be classified in various ways according to their classification criteria, but depending on the way data is read, they are classified into contact cards, contactless cards, and contact / contactless combination cards. The smart card is activated by contacting the card with the contact of the interface device. The contactless smart card is the same as the contact type and the memory element required for the information processing function, but the power supply for driving the smart card is the RF antenna. It refers to the card of the type that is made through the electronic induction method for communication with the interface device, the combined smart card is a smart card that supports both contact and contactless functions, the representative combination card is contact / contactless in one chip A smart configured to share this shareable part A card.

The standard combination card contains an interface for contact function, an interface for contactless function and applets for controlling related functions, and six terminals (power supply terminal, initialization input) for contact function. A terminal, a clock terminal, a ground terminal, a program voltage terminal (not currently used), a serial data input / output terminal), and two antenna connection terminals for a non-contact function.

One of the currently used transportation cards is a contactless smart card adopting a prepaid charging method, which is inconvenient to visit a charging station to recharge the amount.

Since then, a traffic card combined with a credit card has been introduced so that it can be paid as a post-payment by credit like a general merchandise price without additional charges. Such a credit card with a contact card uses a contactless smart chip and an RF antenna. It can be said to be combined in a plastic card.

As mobile communication terminals (eg mobile phones) and smart card applications have been expanded, and mobile communication terminals have become a necessity in daily life, smart cards have been used to be mounted on mobile communication terminals rather than traditional plastic cards. .

As an example of a mobile communication terminal to which a smart card is applied, a mobile phone equipped with a traffic card has emerged, and the applied traffic card is a smart card (combi card: a connection card of a combi card is connected to a circuit of a mobile phone) Pre-charged transportation card with RF antenna connected to the non-contact terminal).

By using such a mobile card with a transportation card, the mobile phone can be accessed by a RF reader so that the transportation fee can be paid from the amount charged on the combination card (combi card contactless type). Use), it is also convenient to carry out tasks such as recharging the amount of money to the traffic card and inquiry the balance through the mobile communication of the mobile phone without the need to visit the charging station.

On the other hand, as the Internet e-commerce is widely activated, the payment method according to the purchase of various goods is also very diversified.

One of the typical e-commerce payment methods is credit card payment, which is mainly used to make relatively high payments, and credit card payment is used for exposing personal information including credit card information, illegal use in case of loss and theft, card number and There is a problem such as entering a password, and there is a limit that the use of credit card issuance impossible (for example, underage) is impossible.

Another payment method of electronic commerce is mobile phone payment, which is widely used mainly for small payments. In the mobile phone payment, the purchaser enters the mobile phone number and executes the payment through the authentication process. The payment is notified by integrating it into the mobile phone fee. Such a mobile phone payment method is a system in which a mobile carrier setstles an e-commerce payment amount and provides it to a seller after receiving a mobile phone fee from a user. For example, it takes about three months to pay for the foreign currency transaction, and there is a problem that the user cannot recover the money when the user of the mobile phone is delinquent.

Rechargeable transportation card, which is an electronic money, is to be paid within the already charged range, so the scope of accidents due to the loss of the card is limited to the amount charged, and there is almost no risk of failure from the seller's point of view. This does not exist, and there is an advantage that you can also use minors.

In order to be able to use the RF card type electronic money such as a transportation card for the micro payment in the range of charge in the e-commerce, a dummy terminal that allows the micro payment to be made using a personal computer instead of the dedicated RF reader has been proposed. have. The dummy terminal (a kind of RF reader) connects to the purchaser's personal computer via a USB cable and uses the electronic money to access the dummy terminal. Send it to the server in charge of payment through, and then the server approves the payment and intends to use it in a way that payment is made.

Dummy terminal has the advantage that the contactless electronic money, such as a traffic card can be used as a payment method using a personal personal computer, but there is a limit that each individual must have a dummy terminal.

An object of the present invention is to solve the problems inherent in conventional payment systems related to micropayment of electronic commerce, and is a smart card (e.g., a combination card) of a contact / contactless function of an electronic money function (e.g., a transportation card function). In a mobile communication terminal (e.g., a mobile phone) that allows for payment of various payments within the range of the amount charged in electronic money using the communication of the mobile communication terminal, thereby exposing personal information, loss and theft. This is to solve problems such as illegal use, troublesome use of card number input, delayed circulation of funds or accounts receivable due to credit transactions.

According to the present invention, there is provided a payment system using a mobile communication terminal containing a smart card of the electronic money function.

The payment system according to the present invention includes a mobile communication terminal of a buyer with a contact / non-contact rechargeable smart card having an electronic money function; A seller who sells various goods online or offline and receives a mobile telecommunication phone number for payment and communicates with the mobile telecommunication terminal of the buyer for payment of the goods to the mobile telecommunication phone number for payment; The payment mobile telecommunication phone number is provided to the seller, and the purchaser intervenes in the payment communication through the payment unique mobile telecommunication phone number between the mobile communication terminal of the buyer and the seller. An electronic payment agent server acquiring data relating to the payment and approving the payment for the seller; And managing the electronic money function of the smart card, receiving data on payment of the smart card from the electronic payment agent server, approving payment by the smart card, and charging the smart card for the approved payment. An electronic money management server that performs payment by subtracting the payment amount from the amount; It includes.

According to the present invention, there is provided a payment method using a mobile communication terminal containing a smart card of the electronic money function.

The payment method according to the present invention comprises the steps of: the buyer using the mobile communication terminal to communicate with the mobile phone number for payment of the seller; Inputting, by the buyer, data for requesting payment to the seller; Acquiring, by the electronic payment agent server, the communication related to the buyer and the seller to obtain the payment related data, and determining and approving the payment approval for the seller; Transmitting, by the electronic payment agent server, the payment related data to the electronic money management server; Determining and approving a payment approval based on the payment related data received by the electronic money management server; Transmitting, by the electronic money management server, a payment authorization to the electronic payment agency server and subtracting the payment approved amount from the smart card; And transmitting, by the electronic payment agent server, the payment approval from the electronic money management server to the seller to complete the payment by the smart card. It includes.

Preferably the smart card is a prepaid transportation card of a combination card.

Hereinafter, with reference to the accompanying drawings will be described in detail the payment system according to the present invention. The following embodiments are merely illustrative of the payment system according to the present invention, but are not intended to limit the scope of the present invention.

1 is a schematic structural diagram of an exemplary payment system according to the present invention, and FIG. 2 is an exemplary flowchart of the payment system according to the present invention.

As shown in FIG. 1, the payment system 1 according to the present invention includes a mobile communication terminal 10, a seller 20, an electronic payment agent server 30, and an electronic money management server 40.

The mobile communication terminal 10 (for example, a mobile phone, described below with a focus on a mobile phone) is a CPU 10A for controlling overall mobile communication functions, inputting various data and commands, similarly to a normal mobile phone. In addition to the user interface input unit 10B (e.g., key input unit), monitor 10C (e.g., LCD) for displaying various types of information on the use of the mobile phone 10, a power supply unit for supplying power and general operation of the mobile phone. It includes a memory for storing a program and various data input and output, and a communication unit having an antenna and a duplexer to enable mobile communication with the base station through the antenna, and an audio unit having a speaker and a microphone for a call, In FIG. 1, components other than the CPU 10A, the input unit 10B, and the monitor 10C are omitted.

Therefore, in using the mobile telephone 10, inputting predetermined data and commands using the input unit 10B, monitoring related information through the monitor 10C, storing and deleting data necessary for the memory, Mobile communication is executed through the communication unit, and all such operations are controlled by the CPU 10A.

The mobile phone 10 used in the system 1 of the present invention includes, for example, a contact / non-contact rechargeable smart card 11 having an electronic money function such as T-MONEY, which is a transportation card provided by Korea Smart Card Co., Ltd., Korea. : Yes Combi card) is built in.

As described above, the terminals (six contact terminals) for performing the contact function among the terminals of the combi card 11 are electrically connected to the circuit of the cellular phone 10, and two antennas for the non-contact function are provided. An RF antenna 11A is connected to the connection terminal. Preferably, the RF antenna 11A is installed in the battery of the cellular phone 1.

As the smart card 11 is equipped with a rechargeable electronic money function such as a traffic card, it is possible to charge the amount of money through short-range wireless communication with a charger (a kind of RF reader), and a short distance with a traffic toll collector (a kind of RF reader). The transportation fee may be reduced from the stored charge amount through wireless communication and the transportation fee may be paid.

In addition, as the smart card 11 applied to the system 1 of the present invention is a combination card (as connected to the mobile phone and can be controlled by the CPU of the mobile phone), the mobile phone 10 After accessing the server that controls the electronic money function through the mobile communication of the electronic money management server (ie, electronic money management server: 40) and paying the charge through a transfer from a registered account, etc., the amount is charged or charged through the mobile communication. The balance may be inquired, and such a charging process is performed by inputting a request to the input unit 10B according to the guidance displayed through the monitor 10C under the control of the electronic money management server 40.

The seller 20 is a vendor that sells various goods 21 online or offline. For example, the seller opens a site on the Internet and downloads various multimedia digital files such as ringtones, music files, video files, character files, and game files. This includes downloadable content providers (CPs) as well as those who sell general merchandise online or offline.

In the present invention, the seller 20 refers to the electronic payment agency server 30, the purchaser 2's mobile communication terminal 10, and / or various data related to executing the process of the system 1 of the present invention. Or a goods supplier provided with a communication device 20A (a mobile communication terminal and a computer, etc.) capable of communicating with the purchaser 2's personal computer 2A.

According to a feature of the present invention, each seller 20 is provided with a unique payment mobile communication telephone number that can identify itself with another seller under a contract with the electronic payment agent server 30. ) To become a member.

In the present invention, the mobile phone number for payment (e.g., 010-1234-5678) is not a phone number for general call purposes, but a mobile communication for payment only provided from the mobile carrier 3 for the purpose of exclusive use for payment. It's a phone number.

That is, in order to receive payment of the goods 21 to be sold by the seller 20 by the system 1 of the present invention, the seller 20 must communicate with the mobile communication terminal 10 of the buyer 2. This communication connection is generally realized by the purchaser 2 using the mobile communication terminal 10 to call the payment mobile telephone number provided by the seller 20, but the seller 20 It is also possible to realize by making a call to the mobile communication terminal 10 of the purchaser 2 using the payment mobile communication telephone number.

The communication between the mobile communication terminal 10 and the seller 20 of the purchaser 2 is sufficient if the communication is made by a mobile communication telephone number for payment, and the form thereof is a direct voice communication, a video communication, a text communication, or a mobile Internet communication. Can be.

However, the purchaser 2 inputs and confirms the amount to be paid and finally executes the payment by inputting text through the input unit 10B of the mobile communication terminal 10. 30) is convenient for managing payment related data.

The payment server (PG) 30 is a server that manages the overall payment in the system 1 of the present invention.

The electronic payment agency server 30 receives a plurality of mobile communication telephone numbers for payment from the mobile communication company 3 and approves the payment service by the electronic money function of the smart card 11 from the electronic money management server 40. And assigns a unique mobile telecommunication phone number to each of the sellers 20 who subscribe to the system 1 of the present invention.

In addition, the electronic payment agent server 30 is the data about the seller 20, the data about the mobile phone number for payment, the mobile phone number of the buyer mobile communication terminal 10 and the payment amount data, etc. Various data necessary for the operation of the system 1 of the present invention, including various data related to settlement, are built into a database, and the system 1 of the present invention is managed on a premise basis.

In addition, when the payment process using the system (1) of the present invention is executed, that is, the communication between the mobile communication terminal 10 of the buyer 2 and the seller 20 to the mobile communication phone number for payment, the electronic The payment agent server 30 obtains various data transmitted through the communication through the communication and builds payment related data necessary for the payment system 1 of the present invention as a database. Eventually, the electronic payment agent server 30 secures all necessary data that the seller 20 pays using the system 1 of the present invention.

The electronic payment agency server 30 is a communication between the mobile communication terminal 10 of the buyer 2 and the seller 20 through the mobile phone number for payment occurs, the seller 20 is the system of the present invention ( It is determined whether or not to approve the requested payment by judging whether the member is a legitimate member of 1), and the result is transmitted to the seller 20 so that the subsequent payment process can continue.

Basically, since the electronic payment agent server 30 does not build data on the smart card 11 of the buyer 2, whether the purchaser 2 will approve payment of the goods with the smart card 11 is determined. The process is not directly executed, the process proceeds in connection with the electronic money management server 40 that manages the electronic money function of the smart card (11).

Electronic money management server (40: eg, T-MONEY operators in Korea) is a server that manages the electronic money function integrated. When the payment process using the system 1 of the present invention is executed between the purchaser 2 and the seller 20, the electronic money management server 40 includes data relating to the buyer's mobile communication terminal 10 among the related information. Receives data related to payment, including data about the payment amount, from the electronic payment agent server 30.

In addition, the electronic money management server 40 is based on the data on the received mobile communication terminal 10 from the database built on the data (eg, unique) for the smart card 11 corresponding to the corresponding mobile communication terminal 10 (Identification information, charge amount, black list, etc.) is read out, and the payment amount received is compared with the balance of the smart card 11 of the corresponding buyer to determine whether to approve the payment, and whether the payment is approved. And the approved payment amount is deducted from the smart card 11 of the purchaser 2.

As described above, payment approval of the electronic payment agency server 30 and the electronic money management server 40 is transmitted to the seller 20 so that the seller 20 recognizes the approval of the payment. 20 will provide the buyer 21 with the goods 21.

Hereinafter, one exemplary flow of a payment system according to the present invention will be described with reference to FIG.

First, the buyer 2 accesses the Internet site of the seller 20 through a personal computer 2A or the like, or selects a product to purchase through the advertisement shear of the seller 20, and the payment system 1 of the present invention. If you want to use as a payment method using the mobile communication terminal 10 communicates with the seller 20 by the mobile phone number for payment displayed on the Internet site or advertisement flyer of the seller 20 (S10). ).

When the seller 20 instructs the purchaser 2 to input and transmit the goods identification number and the amount of the goods to be purchased through the mobile communication terminal 10 through a text or the like (information information on the amount of the goods identification number itself is transmitted). The purchaser 2 may purchase the goods through the input unit 10B of the mobile communication terminal 10 according to the contents guided to the monitor 10C of the mobile communication terminal 10. Input the necessary information such as identification number, payment amount and transmit (S11).

The electronic payment agent server 30 obtains data related to payment through the communication between the buyer 2 and the seller 20 (S20), the seller 20 from the obtained data is the system of the present invention ( 1) If it is determined whether or not the authorized seller can execute the payment by (S21), if approved as a valid seller (YES) of the acquired data of the mobile communication terminal 10 and payment of the buyer (2) Data related to payment, such as data on the amount of money is transmitted to the electronic money management server 40 (S22), if not a legitimate seller 20 (NO) rejects the approval and ends the payment process.

The electronic money management server 40 has its own data regarding the electronic money function of the smart card 11 embedded in the mobile communication terminal 10 for payment related data received from the electronic payment agency server 30. Unique identification information, charge amount, etc.), the smart card 11 is checked whether the blacklist corresponds to the suspended blacklist, and the payment request amount and the remaining balance are compared to determine whether to approve the payment ( S30).

If the payment is approved in step S30 (YES), the authorization is sent to the electronic payment agent server 30, and the approved payment amount is deducted from the smart card 11 of the buyer (2) (S31), If it is not possible (NO), the approval is transmitted to the electronic payment agent server 30 (S32), the electronic money management server 40 does not proceed any further process.

When the electronic payment agency server 30 receives the payment approval from the electronic money management server 40, the payment is finally sent to the seller 20 that the payment is approved (S40), and then the seller 20 sends the purchaser 2 to the buyer. The corresponding goods are provided (S41).

Upon receipt of the approval approval from the electronic money management server 40, the electronic payment agency server 30 transmits the approval failure to the seller 20 (42), and the seller 20 sends the purchaser 2's mobile communication terminal 10. In step 43, the payment is not approved and the related payment process ends. In case of disapproval, guidance on the reasons may also be provided.

When payment is finally executed in the system 1 of the present invention and the payment is executed, the electronic settlement agent server 30 displays the total payment amount settled through the system 1 of the present invention. Received immediately from (S50), and the total payment amount paid to each seller 20 according to the payment amount of each seller 20 is immediately paid (S51).

In the payment system 1 of the present invention described above, the electronic payment agency server 30 and the electronic money management server 40 have been described as being functionally separated, but the electronic money management server 40 is the electronic payment agent server 30. ) May be performed integrally, or the mobile communication company 3 may execute the function of the electronic payment agent server 30.

In addition, the details of the data management of the electronic payment agency server 30 and the electronic money management server 40, etc. will be applicable to the conventional process details, such as electronic payment agency server and electronic money jurisdiction server. .

According to the payment system using a mobile communication terminal embedded with a smart card of the electronic money function according to the present invention described above, the use of personal information exposure, loss and theft related to the conventional payment systems, such as illegal use, card number input, etc. There is an effect that can solve problems such as troublesome use, delayed circulation of funds or accounts receivable due to foreign trade.

Claims (3)

A mobile communication terminal 10 of the purchaser 2 in which a contact / non-contact rechargeable smart card 11 having an electronic money function is embedded; Selling the various goods 21 on-line or off-line and receiving the payment mobile communication phone number and the mobile communication terminal 10 of the buyer 2 for payment of the goods to the payment mobile communication phone number A seller 20 for communicating; Providing the payment mobile communication telephone number to the seller 20, and for payment through the unique mobile communication telephone number for payment between the mobile communication terminal 10 and the seller 20 of the buyer (2) An electronic payment agent server 30 which acquires data on payment by the smart card 11 through the communication and approves the payment to the seller 20; And Manage the electronic money function of the smart card 11, and receives data about the payment of the smart card 11 from the electronic payment agency server 30 to approve payment by the smart card 11, An electronic money management server 40 which executes payment by subtracting the payment amount from the amount charged in the smart card 11 for the approved payment; The payment system using a mobile communication terminal containing a smart card of the electronic money function, comprising a. The payment system according to claim 1, wherein the smart card (11) is a prepaid transportation card made of a combination card. A mobile communication terminal 10 of the purchaser 2 in which a contact / non-contact rechargeable smart card 11 having an electronic money function is embedded; A seller 20 for selling various goods 21 on-line or off-line and receiving a mobile communication telephone number for payment; The payment communication is provided to the seller 20 through the payment unique mobile communication phone number between the mobile communication terminal 10 and the seller 20 of the purchaser 2 and the purchaser 20. An electronic payment agent server 30 which intervenes in and acquires data on payment by the smart card 11; And an electronic money management server 40 that manages the electronic money function of the smart card 11 and executes payment by the smart card 11. Including: The purchaser (2) communicating with the payment mobile communication telephone number of the seller (20) by using the mobile communication terminal (10); Inputting, by the buyer (2), data for requesting payment to the seller (20); Obtaining, by the electronic payment agent server (30) through the communication between the buyer (2) and the seller (20), the payment related data, and determining and approving the approval of the payment for the seller (20); Transmitting, by the electronic payment agency server 30, the payment related data to the electronic money management server 40; Determining whether the payment is approved based on the payment related data received by the electronic money management server (40); Transmitting, by the electronic money management server (40), a payment approval to the electronic payment agency server (30) and subtracting the approved amount of payment from the smart card (11); And transmitting, by the electronic payment agent server 30, the payment approval from the electronic money management server 40 to the seller 20 to complete the payment by the smart card 11. The payment method using a mobile communication terminal containing a smart card of the electronic money function, comprising a.

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