KR20070037031A - A mobile device for certificating user and mobile payment - Google Patents

Abstract

The present invention relates to a mobile communication terminal for user authentication and mobile payment. More particularly, the present invention relates to a mobile communication terminal that transmits and receives orders and payment related information through an electronic bill and short-range wireless communication, and performs mobile payment through a user authentication procedure. And a method of providing the same. In the mobile communication terminal for performing a mobile payment by communicating with the electronic bill terminal according to the present invention, an electronic bill receiving unit for receiving the order history information from the electronic bill terminal, an electronic bill output unit for outputting the order history information to the user A certificate storage unit for storing and maintaining a public certificate, a user input unit for receiving payment request information from the user, and in response to the payment request, transmitting payment information and authentication information associated with the public certificate to a mobile payment server; And a mobile payment processing unit for receiving payment approval information from the mobile payment server. According to the present invention, by using a user authentication method and an electronic bill, it is possible to configure a simple and secure mobile payment system.

Mobile communication terminal, certificate, mobile payment, short-range wireless communication

Description

Mobile terminal for user authentication and mobile payments {A MOBILE DEVICE FOR CERTIFICATING USER AND MOBILE PAYMENT}

1 is a diagram illustrating a network configuration for user authentication and mobile payment according to an embodiment of the present invention.

2 is a block diagram illustrating an internal configuration of a mobile communication terminal for user authentication and mobile payment according to an embodiment of the present invention.

3 is a block diagram illustrating an internal configuration of an electronic bill terminal according to an embodiment of the present invention.

4 is a flowchart illustrating a user authentication and mobile payment method using a mobile communication terminal according to the present invention.

5 is a flowchart illustrating a process of issuing and registering an accredited certificate using a mobile communication terminal according to the present invention.

6 is a diagram illustrating examples of a user interface (UI) screen of a mobile communication terminal for user authentication and mobile payment according to an embodiment of the present invention.

7 is a diagram illustrating an example of an input / output interface of an electronic bill according to an embodiment of the present invention.

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

201: Electronic bill receiving unit 301: Short-range wireless communication module

202: certificate storage unit 302: output interface unit

203: mobile payment processing unit 303: input interface unit

204: wireless communication unit 304: receipt output unit

205: electronic bill output unit

206: user input unit

The present invention relates to a mobile communication terminal for user authentication and mobile payment. More particularly, the present invention relates to a mobile communication terminal that transmits and receives orders and payment related information through an electronic bill and short-range wireless communication, and performs mobile payment through a user authentication procedure. And a method of providing the same.

In terms of the currency used, our society has changed from the age of the standard currency to the age of the substitute currency, and now the age of the credit currency has entered. But we still have to carry a wallet with cash or credit card for various payments in our daily lives.

On the other hand, in the modern society, the mobile communication terminal is widely used as a necessity for modern people as a means for convenient communication without regard to place. However, in recent years, as the performance of the processor is improved and the resources of the memory are increased, the mobile communication terminal provides various additional services in various fields as well as the conventional mobile communication service.

As an example of an additional service, a so-called mobile payment service has been started, which enables payment using a mobile communication terminal, which has become a necessity for modern people, without having to always carry cash or a credit card for payment.

The mobile payment service means providing a payment service by accessing a financial and payment system on a wireless network using a wireless specialized terminal such as a mobile phone or a PDA. Initially, the mobile payment service method mainly used a method of transmitting a payment password using an SMS service provided by a mobile carrier along with user information using mobile phone subscriber information. The most common areas used were small payments such as paid online game access fees and paid content purchases on wired Internet.

The mobile payment market has been recently developed in a specific field as mobile phone technology advances, such as active involvement of mobile operators and financial institution participation, development of short-range wireless communication technology between mobile phones and merchant terminals, and storing financial information in the mobile phones themselves. Beyond simple micropayments, it is expanding to various financial services such as high-payment in various commerce fields.

Currently, the most widely used mobile payment method is a method in which an IC card or a smart card is mounted on a mobile communication terminal and the payment is made by contacting the mobile communication terminal with a reader. In other words, it is a service method in which a chip having a function of various cards such as a credit card, a transportation card, and an electronic money is mounted on a mobile communication terminal to make payments and payments with a mobile phone. With the memory chip method, the user pays the bill by opening the phone and touching the reader like a credit card.

However, since the conventional technology can be used by anyone without a thorough authentication procedure of a user, when a user loses a mobile communication terminal, a third party may steal the user's mobile communication terminal. In other words, when a memory chip for mobile payment is lost, not only mobile payment is not available, but also another person steals or illegally copies the lost memory chip, causing a financial accident to be used for mobile payment. In addition, there is a need for a user to purchase a separate memory chip and mount it on the mobile communication terminal.

Accordingly, there is an urgent need for a method in which a user can easily use mobile payment without installing a separate memory chip in a mobile communication terminal, and mobile payment is expected to increase as more users want to use mobile payment. There is a demand for a method to make the service more efficient and secure through security.

In addition, conventionally, when a customer orders food in a restaurant, it is difficult to directly check the order details, so that an order is often incorrect or duplicated. In addition, there is a problem that the wrong payment is made, or the approved payment must be canceled later because only the price is confirmed and payment is made immediately without thorough confirmation of the order details.

On the other hand, since the procedure from order to payment is made manually in department stores, shops, restaurants, etc., time and space required for labor and calculation may be wasted. For example, when ordering food in a large and crowded restaurant, the restaurant employee has to check the menu on the bill and confirm the order, and the guest has the inconvenience of holding the bill for payment and going to the checkout.

Therefore, there is a need for a method that can replace computerized bills and process computerized processes from order to payment more efficiently.

The present invention is to solve the problems of the prior art as described above, and aims to achieve a more thorough security by introducing a user authentication system using a certificate at the time of mobile payment through a mobile communication terminal.

In addition, an object of the present invention to efficiently computerize and process the process from order to payment using an electronic bill capable of short-range wireless communication with the mobile communication terminal.

In addition, an object of the present invention is to enable a user to directly check in real time the process and details from order to payment through the mobile communication terminal.

In addition, the present invention is to enable the mobile payment easily without the need to install a separate memory chip, eliminating the hassle of purchasing a separate memory chip and to prevent the possibility of financial accidents caused by the loss of the memory chip. .

In order to achieve the above object and solve the problems of the prior art, a mobile communication terminal for performing a mobile payment by communicating with the electronic bill terminal according to the present invention, an electronic bill for receiving order history information from the electronic bill terminal A receiver, an electronic bill output unit for outputting the order history information to a user, a certificate storage unit for storing and maintaining an authorized certificate, a user input unit for receiving payment request information from the user, and in response to the payment request, payment information and the And a mobile payment processing unit which transmits authentication information associated with an authorized certificate to a mobile payment server and receives payment approval information from the mobile payment server.

The method of performing a mobile payment in a mobile communication terminal by communicating with an electronic bill terminal, transmitting a request for issuing a public certificate, storing and maintaining the issued public certificate in a memory, and receiving order history information from the electronic bill terminal. Outputting the order history information to a user; receiving payment request information from a user; transmitting payment information and authentication information associated with the authorized certificate to a mobile payment server in response to the payment request; and When the user authentication based on the authentication information is completed from the mobile payment server, characterized in that it comprises the step of receiving payment approval information.

For reference, the term "mobile communication terminal" herein refers to a PDC (Personal Digital Cellular) phone, PCS (Personal Communication Service) phone, PHS (Personal Handyphone System) phone, CDMA-2000 (1X, 3X) phone, WCDMA ( Wideband CDMA phone, Dual Band / Dual Mode phone, Global Standard for Mobile (GSM) phone, Mobile Broadband System (MBS) phone, Digital Multimedia Broadcasting (DMB) phone, Smart phone, Handheld devices that may include communication functions such as mobile phones, personal digital assistants (PDAs), hand-held PCs, notebook computers, laptop computers, WiBro terminals, MP3 players, MD players, etc. And a portable electric and electronic device for all kinds of handheld-based wireless communication devices including an international roaming service and an international mobile telecommunication-2000 (IMT-2000) terminal that provides an extended mobile communication service. , Code Divi Certain devices, such as wireless communication devices equipped with GPS chips to enable location tracking via multiplexing access (Bluetooth) modules, infrared data associations (Infrared Data Association), wired and wireless LAN cards, and global positioning systems (GPS). It can be provided with a communication module of, and is equipped with a microprocessor capable of performing a multimedia playback function is interpreted as a concept that collectively refers to a terminal capable of performing a certain operation.

Hereinafter, with reference to the accompanying drawings will be described in detail a mobile communication terminal and a method for providing the same for user authentication and mobile payment of the present invention.

1 is a diagram illustrating a network configuration for user authentication and mobile payment according to an embodiment of the present invention.

The electronic bill terminal 101 and the mobile communication terminal 102 may exchange information using short-range wireless communication. The electronic bill terminal 101 transmits the order information ordered by the user to the mobile communication terminal 102, and the mobile communication terminal 102 transmits payment approval information to the electronic bill terminal 101 to notify the completion of payment after the mobile payment. do.

The mobile communication terminal 102 and the mobile payment server 104 communicate with each other through the base station, the WAP G / W 103, and the Internet to transmit and receive payment information and authentication information.

WAP (Wireless Application Protocol) is a protocol that can efficiently transmit data in wireless radio environment between wireless terminal and base station. In other words, WAP G / W (GateWay) 103 is installed between the internet network and mobile phone network so that wireless data users can easily and simply access the Internet. do. The WAP G / W 103 converts HTML to WML, an existing Internet standard protocol such as HTTP and TCP, and WML, a protocol dedicated to WAP.

Therefore, the user accesses the Internet using a computer and downloads the certificate, and downloads the certificate to the mobile communication terminal 102 through the WAP G / W 103 and performs mobile payments, as in the online e-commerce. You can do it.

The mobile payment server 104 receives the authentication information and payment information from the user to confirm the user authentication through the authorized certification authority 106, and approves the payment through the bank and card company 105. That is, when the mobile payment server 104 transmits the authentication information to the public certification authority 106, the public certification authority 106 matches the information of subscribers registered in advance based on the authentication information such as certificate ID and password. Then compare and verify the user. In addition, when the mobile payment server 104 transmits the payment information to the bank and card company 105, the bank and card company 105 approves payment based on payment information such as account number, password and payment amount. Thereafter, the mobile payment server 104 transmits the authentication result and the payment approval processing result to the user mobile communication terminal 102.

2 is a block diagram illustrating an internal configuration of a mobile communication terminal for user authentication and mobile payment according to an embodiment of the present invention.

The mobile communication terminal according to the present invention includes an electronic bill receiving unit 201, a certificate storage unit 202, a mobile payment processing unit 203, a wireless communication unit 204, an electronic bill output unit 205, and a user input unit 206. can do. Hereinafter, each component will be described in detail.

The electronic bill receiving unit 201 transmits and receives order information with the electronic bill terminal 101 through a predetermined wireless method. That is, the electronic bill receiving unit 201 may exchange various information related to the order between the electronic bill terminal 101 and the mobile communication terminal 102.

For example, when a customer orders food in a restaurant, the restaurant employee inputs the order history in the electronic bill terminal 101 and moves the order information including the order history through a short range wireless communication module located in the electronic bill terminal 101. It transmits to the communication terminal (102). Thereafter, when the customer receives the food ordered by the customer, the payment information is transmitted to the electronic bill terminal 101 again, informing that the payment is completed through a predetermined mobile payment procedure using the order information.

This eliminates the need for conventional bill papers in restaurants, and allows the user to easily check if the order has been placed properly, without having to look up bills or go through the cash register for checkout after a meal. do. That is, the mobile communication terminal for performing mobile payment by communicating with the electronic bill terminal according to the present invention provides a user-centered mobile payment service by confirming the order details and mobile payment details in real time to the user. .

The electronic bill receiving unit 201 includes a short range wireless communication module, and the short range wireless communication module includes an infrared data association (IrDA) module, a Bluetooth module, and an ultra wide band (UWB) module. It is characterized by using one module.

Infrared Data Association (IrDA) is a communication technology that transmits data wirelessly in a short range of communication using infrared rays between visible light and millimeter waves. IrDA uses wireless but long-infrared rays, so it has excellent stability in that there is no error that interferes with each other or malfunctions like other methods.

The Bluetooth module refers to a standard that enables real-time communication in two directions by wirelessly connecting a computer, a mobile communication terminal, and various other electric and electronic devices located in a short distance. Wireless communication connection method is Point to Point or Multi-point, and the maximum range of communication is 10m. The frequency hop design enables devices to communicate even in areas with enormous amounts of electromagnetic disturbances and provides built-in encryption and verification.

Ultra Wide Band (UWB) module is a technology that uses ultra-high frequency to exchange data. It consumes very little power and transmits data within 10m. It is attracting attention as a wireless communication technology to implement. The UWB signal has a very small power density value by using a wide frequency band, so that even if it is superimposed on a frequency where other communication signals exist, it hardly interferes.

Therefore, it is preferable that the electronic bill receiver 201 select the most efficient method from the infrared communication module, the Bluetooth module, and the ultra-wideband communication module in consideration of cost, speed, and use environment.

The certificate storage unit 202 manages and maintains the public certificate and processes the user authentication. The accredited certificate is a kind of electronic signature used to verify a user's identity in online financial transactions through the Internet, and serves as a seal stamp used in important transactions in daily life.

Since the conventional mobile payment is possible only by entering the account number and password, there is a big disadvantage that a financial accident occurs when exposed by hacking, etc., the certificate is designed to compensate for the above disadvantages. The accredited certificate can be issued by accessing the accredited certification center of a bank or financial institution, entering predetermined personal information and password, and agreeing to the terms and conditions. The issued certificate can be stored and used in storage media such as hard disks, smart cards and floppy disks.

The certificate storage unit 202 stores, manages, and maintains the public certificate. More specifically, the user is issued a certificate to be used for mobile payments through a certificate authority, access to the certificate authority through a wireless communication network to download and store the certificate in the certificate storage unit 202 of the mobile communication terminal to store and maintain do.

The certificate is difficult to forge and tamper because the strict encryption technology is applied to ensure the reliability of the data. Since encryption technology is also applied when transmitting personally identifiable information for user authentication through a wireless communication network, the problem of hacking in the transmission process can also be solved.

In addition, the current accredited certificate has the legal effect of "electronic signature" in various electronic transactions such as financial transactions, civil documents issuance and tax calculation, so that the reliability of transactions can be guaranteed, so users can use mobile payment with more confidence. .

The mobile communication terminal for performing a mobile payment by communicating with the electronic bill terminal according to the present invention transmits a request for issuing an authorized certificate to the mobile payment server 104 in addition to the certificate storage unit 202, and sends the issued certificate And a certificate issuing unit which is stored in the certificate storage unit 202 together with the authentication information of the user.

The mobile payment processing unit 203 processes payment information related to the bill payment. The payment information processed by the mobile payment processing unit 203 is order information and payment approval information. The order information includes at least one of a business name, an order product, a price, a quantity, and order status information, and the payment approval information includes at least one of a payment code, payment information, and payment amount information.

User authentication and mobile payment using a mobile communication terminal according to the present invention can be made with reference to the order information. That is, when a user requests payment for the order information received from the electronic bill terminal 101, the order information is transmitted to the mobile payment server 104. Thereafter, the mobile payment server 104 determines the amount of payment at which store based on the business name and payment amount included in the order information.

In addition, the mobile payment processing unit 203 is characterized in that it further comprises a separate storage device for storing the order information and payment approval information. In this way, whenever the user wants to check the details of the payment made so that it can be easily confirmed through the user's mobile communication terminal. Furthermore, by making it possible to check the monthly payment amount and date, the user can easily understand the consumption situation through his mobile payment and plan the consumption.

The wireless communication unit 204 transmits the payment information and the authentication information to the authentication server, and serves to receive the payment approval information from the authentication server. The wireless communication unit 204 transmits authentication information for user authentication and payment information for order product payment to the mobile payment server 104 via the base station, the WAP G / W 103, and the Internet.

The electronic bill output unit 205 outputs the order information, payment information, and authentication information message. The information message output from the electronic bill output unit 205 is a message of all processes ranging from order information to payment approval information. The user may check his / her order and payment details through the electronic bill output unit 205 in real time.

The user input unit 206 receives payment related information, a certificate ID, and a password from the user. That is, the user input unit 206 receives the certificate ID and password from the user through the keypad of the mobile communication terminal during the authentication process, and transmits the certificate ID and password to the authentication server through the wireless communication unit 204, and also receives the payment method and payment information. To transmit to the authentication server through the wireless communication unit (204).

3 is a block diagram illustrating an internal configuration of an electronic bill terminal according to an embodiment of the present invention.

The electronic bill terminal 101 according to the present invention may include a short range wireless communication module 301, an output interface unit 302, an input interface unit 303, and a receipt output unit 304. Hereinafter, each component will be described in detail.

The short range wireless communication module 301 transmits and receives order information and payment approval information with the electronic bill receiving unit 201 located in the mobile communication terminal 102.

The output interface unit 302 outputs order information and payment approval information to the user. In addition, the input interface unit 303 serves to receive order information from a user.

7 illustrates an example of using an input / output interface of an electronic bill terminal according to an embodiment of the present invention.

As shown in FIG. 7, when a restaurant employee inputs a table number, a brand name, and a quantity according to a customer's order through the input interface unit 303, the total amount is calculated according to a preset unit price and the order information of the corresponding table. Will generate. When the order information is transmitted to the customer by pressing the transmission button, the order is updated to the completion state of the order indicating that the order is completed on the electronic bill terminal.

The employee then delivers the food to the customer and then updates the order delivery status. Finally, when the payment approval information according to the mobile payment of the customer is received, the payment approval information may be confirmed through the output interface unit 302, and the order payment state is updated to the final payment completion state.

That is, the electronic bill terminal 101 stores the order processing status information, and when the order contents are delivered to the user, the order processing status information is updated to the order delivery completion state, and when the mobile payment is approved, the electronic billing terminal 101 is updated to the payment completion state. . By updating the order processing status information in real time, it is possible to easily check the process from order to payment in real time, it is possible to reduce the error that can occur in the process from order to payment as possible.

The input interface unit 303 and the output interface unit 302 may be implemented as a keypad and a liquid crystal display (LCD), respectively. Alternatively, if the input interface unit 303 according to an embodiment of the present invention is implemented by a touch screen method, the input interface unit 303 and the output interface unit 302 may be configured as one module on the screen.

In the implementation of the input interface unit 303 and the output interface unit 302, since the goods and prices vary depending on the location of use of the electronic bill terminal 101, such as department stores, shops and restaurants, the input interface unit 303 and The output interface unit 302 preferably adopts a touch screen method so that items such as goods and prices can be set or changed according to a user environment. In addition, it will be possible to develop software that provides an interface according to the location of the various electronic bill terminal 101.

The receipt output unit 304 outputs a receipt on which order information and payment approval information are printed. The receipt output unit 304 includes a thermal printer module for outputting a receipt, and the thermal printer module prints order information and payment approval information on a thermal paper according to a user's request.

The electronic bill terminal 101 according to an embodiment of the present invention is characterized by having a unique identification number for communication with a plurality of mobile communication terminals. That is, in order to transmit the payment approval information from the mobile communication terminal to the corresponding electronic bill terminal 101, the electronic bill terminal 101 can identify each unique identification number so that the corresponding electronic bill terminal 101 can be distinguished. Will hold. By doing so, the mobile communication terminal 102 and the electronic bill terminal 101 can recognize each other and correctly exchange information.

4 is a flowchart illustrating a user authentication and mobile payment method using a mobile communication terminal according to the present invention.

As shown in the flowchart of FIG. 4, the user authentication and mobile payment method using the mobile communication terminal is performed through the electronic bill terminal 101, the mobile communication terminal 102, and the mobile payment server 104.

First, in step 401, the user downloads and stores the public certificate in the mobile communication terminal 102 and maintains it. In this step, a user applies for issuance of an accredited certificate through an accredited certification authority for user authentication and mobile payment using a mobile communication terminal, and downloads and stores the accredited certificate through a wireless communication network.

In step 402, the order menu is registered in the electronic bill terminal 101. That is, the employee receives the order from the customer and enters the order details such as the brand name and quantity on the electronic bill terminal 101. This generates order information in step 402.

In step 403, the order information is transmitted. The order information is transmitted from the electronic bill terminal 101 to the mobile communication terminal 102 using near field communication.

In step 404, the mobile communication terminal 102 receives the order information. The order information enables the user to easily check the order status and perform mobile payment.

For example, if the user ordered food at a restaurant and received order information from the mobile communication terminal 102, the user can easily check whether the ordered food is properly input through the mobile communication terminal 102. In addition, since the mobile payment can be performed with the business name and price included in the order information, the mobile payment can be performed immediately without entering a separate payment details.

In step 405, the user selects an accredited certificate and a payment method. In this step, the user enters the certificate ID and password for user authentication, and selects the desired payment method. The payment method includes a credit card, a bank debit card and a telephone bill payment method.

The credit card payment method is a method of payment using information of the credit card used by the user. The credit card payment method is useful when you do not have a credit card or want to use a credit card through a more strict security procedure. In the case of using a credit card offline, anyone can use it without identity verification, and signature, which is the only identification method, can be manipulated by anyone, so there is virtually no way to prevent financial accidents that steal someone else's credit card. The above problems can be solved by making a payment using a credit card payment method using a mobile communication terminal for user authentication and mobile payment according to the present invention.

The bank debit card payment method is a method of making a payment in a bank account of a user whose balance is greater than or equal to a payment amount. The user can enter the corresponding bank, account number and bank account password to make a payment. The bank debit payment method is suitable for users who are reluctant to use a credit card.

The telephone bill payment method is a method of adding a payment amount to a monthly communication bill. Payment is possible without additional input, but it is useful when using micropayment because the usage amount is set for each carrier.

In addition, the user may specify and use the priority of the credit card, bank debit card and telephone bill payment method for convenience.

In step 406, the authentication information and payment information is sent to the mobile payment server 104. That is, in this step, authentication information such as a certificate ID and password input by the user, payment method, and payment information according to each method are transmitted to the mobile payment server. The authentication information and payment information are transmitted to the mobile payment server 104 via a wireless communication network and the Internet network through a predetermined encryption process.

In step 407, user authentication and payment authorization are made. That is, step 407 is a step in which the mobile payment server 104 performs user authentication based on the authentication information and payment information through an authorized certification authority, and performs payment approval through a bank or a card company.

Conventional mobile payments use security devices such as memory chip numbers, account passwords and bank security card numbers, but are much less vulnerable than using authorized certificates to encrypt messages rather than certificates. Therefore, through the system through the wireless authentication process as described above, it is possible to solve the ambiguity of the security vulnerability of the conventional mobile payment and compensation for consumer damage compensation in case of an accident.

In step 408, when the user authentication is confirmed and the payment is approved, the payment approval information is transmitted to the mobile communication terminal 102 through the Internet network and the wireless communication network in the same manner as the step 406.

In step 409, the user confirms the payment approval information and transmits the payment approval information to the electronic bill terminal 101 again. The payment approval information includes a payment code, a payment date and a payment amount. In addition, the payment code serves as an index to check the details of the mobile payment using the mobile communication terminal (102). The user checks whether the payment amount is correct through the payment approval information and transmits the payment approval information to the electronic bill terminal 101 to inform that the payment has been made.

In step 410, the payment approval information is received and the order payment is completed. For example, the employee checks the payment approval information and confirms that the payment is made correctly, and then changes the state of the ordered product to a state indicating that the payment is completed.

In step 411, a receipt printed with order information and payment approval information is output according to a user's request. The user authentication and mobile payment history using the mobile communication terminal according to the present invention can be omitted because the payment records remain in the bank and card company as well as the user's mobile communication terminal.

The process from step 401 to step 411 allows the user to complete all processes from order to payment on the spot.

As a specific example, when a user goes to a restaurant and sits at a table to order food, the employee inputs the order into an electronic bill and transmits the order to the customer's mobile terminal. Thereafter, when the customer receives food from the employee, the customer makes a payment using a user authentication and mobile payment method using a mobile communication terminal according to the present invention and transmits payment approval information to the employee's electronic bill. Finally, the employee checks the payment approval information and confirms that the payment was made normally.

This eliminates the inconvenience of the guest having to wait for the checkout with the checkout paper, so that the user no longer has to checkout after a meal or use the mobile terminal at the checkout counter as in the conventional way using a memory chip. do.

5 is a flowchart illustrating a process of issuing and registering an accredited certificate using a mobile communication terminal according to the present invention.

The process of issuing and registering an accredited certificate through a mobile communication terminal according to the present invention is the same as the process of issuing and registering an accredited certificate with a computer via the Internet, except that the accredited certificate is issued through a wireless communication network. However, due to the characteristics of the wireless communication network, more thorough security is required than the Internet network.

First, in step 501, a request for issuance of an accredited certificate through a registration authority. A user who wishes to apply for an accredited certificate visits the registrar directly and applies for the issuance of the accredited certificate through a predetermined procedure.

In step 502, the registration authority gives the user a certificate of registration related to issuing a certificate. At this stage, the registrar passes the registration confirmation to the user, including the certificate ID and password.

In step 503, the registrar registers subscriber information in a database. The database stores the personal information of the subscriber and the related certificate information.

In step 504, the accredited certification authority generates and registers the accredited certificate to the user. The accredited certification authority generates the accredited certificate that the user can use after registering the user and registers the generated information.

In step 505, the public certificate is transmitted to the user. A user accessing an accredited certification authority through a wireless communication network downloads a registered accredited certificate on a mobile communication terminal.

In step 506, the user confirms, stores and maintains the certificate. The user stores and maintains the downloaded official certificate on the mobile communication terminal, and uses the official certificate at a later mobile payment.

When the user loses or exposes the password of the official certificate or suspects the file is damaged, it is preferable to discard the existing official certificate through the retirement procedure and reissue the certificate.

6 is a diagram illustrating examples of a user interface (UI) screen of a mobile communication terminal for user authentication and mobile payment according to an embodiment of the present invention.

Reference numeral 601 is an example of a screen on which the order information received from the electronic bill terminal 101 is output. As shown in the example shown in the figure, the order information is a company name, a brand name, a quantity, and price information, and a user can directly check whether the order is correct by checking the order information.

Reference numeral 602 is an example of a screen that outputs an example of going through an authentication process for mobile payment. The user first goes through the accreditation process for mobile payment. As shown by the reference numeral 602, the user inputs the ID and password registered when the certificate is issued.

Reference numeral 603 is an example of a screen for selecting a payment method from a user. The user selects one of credit card, bank debit, and telephone bill payment.

Reference numeral 604 is an example of a screen for receiving payment information corresponding to a payment method selected from the payment methods. As shown in the example shown by reference numeral 604, a screen is provided for inputting bank information corresponding to a user selecting a bank debit payment, and the user inputs a transaction bank name, an account number, and a password to be used for payment. Similarly, for credit card and phone bill payments, the relevant information is entered.

Reference numeral 605 is a screen example for transmitting authentication information and payment information input by the user. If the user approval and payment approval are properly made, a normal processing message such as reference numeral 606 is output, otherwise an error message or a retry message is output.

Reference numeral 606 is an example of a screen indicating that mobile payment is normally processed after user authentication is confirmed and payment is approved. Along with the normal processing message, the payment authorization information including the payment code, the payment date, and the payment amount is displayed.

The mobile communication terminal for user authentication and mobile payment according to the present invention may be implemented in the form of program instructions that can be executed by various computer means and recorded in a computer readable medium. The computer readable medium may include program instructions, data files, data structures, etc. alone or in combination. Program instructions recorded on the media may be those specially designed and constructed for the purposes of the present invention, or they may be of the kind well-known and available to those having skill in the computer software arts. Examples of computer-readable recording media include magnetic media such as hard disks, floppy disks, and magnetic tape, optical media such as CD-ROMs, DVDs, and magnetic disks, such as floppy disks. Magneto-optical media, and hardware devices specifically configured to store and execute program instructions, such as ROM, RAM, flash memory, and the like. The medium may be a transmission medium such as an optical or metal wire, a waveguide, or the like including a carrier wave for transmitting a signal specifying a program command, a data structure, or the like. Examples of program instructions include not only machine code generated by a compiler, but also high-level language code that can be executed by a computer using an interpreter or the like. The hardware device described above may be configured to operate as one or more software modules to perform the operations of the present invention, and vice versa.

In the present invention as described above has been described by the specific embodiments, such as specific components and limited embodiments and drawings, but this is provided to help a more general understanding of the present invention, the present invention is not limited to the above embodiments. For those skilled in the art, various modifications and variations are possible from such description.

Therefore, the spirit of the present invention should not be limited to the described embodiments, and all the things that are equivalent to or equivalent to the claims as well as the following claims will belong to the scope of the present invention. .

According to the present invention, a more secure and thorough mobile payment is possible by combining a user authentication method using a hardware communication and a software authorized certificate in the mobile payment process through the mobile communication terminal.

In addition, according to the present invention, when the mobile communication terminal is lost, the disposal of the certificate downloaded to the terminal together with the report of the loss can be immediately disposed, so that immediate response is possible.

In addition, according to the present invention, by enabling the mobile payment easily without the need to install a separate memory chip, the object of eliminating the hassle of purchasing the memory chip and to prevent the possibility of financial accidents caused by the loss of the memory chip. .

In addition, according to the present invention, it is possible to short-range wireless communication between the electronic bill and the mobile communication terminal to efficiently process the process from order to payment to reduce the cost and labor costs.

In addition, according to the present invention, since the user can directly check in real time the process from order to payment through the mobile communication terminal, it is possible to reduce the error that can occur in the process as possible.

Claims (13)

A mobile communication terminal for performing a mobile payment by communicating with an electronic bill terminal, An electronic bill receiving unit for receiving order history information from the electronic bill terminal; An electronic bill output unit for outputting the order history information to a user; Certificate storage unit for storing and maintaining the public certificate; A user input unit for receiving payment request information from the user; And In response to the payment request, the mobile payment processing unit for transmitting payment information and authentication information associated with the authorized certificate to the mobile payment server, and receives payment approval information from the mobile payment server. Mobile communication terminal comprising a. The method of claim 1, The authentication information includes authentication password information, And the mobile payment server generates the payment approval information after performing the user authentication based on the authentication password information. The method of claim 1, The electronic bill receiving unit includes a near field communication module, The short range wireless communication module uses one of an infrared communication (IrDA) module, a Bluetooth module, and an ultra wide band (UWB) module. The method of claim 1, Wherein said authorized certificate is associated with at least one of a credit card, a bank debit card, and a telephone bill charging. The method of claim 4, wherein The certificate storage unit stores the priority of authentication for credit card, bank debit card, and telephone billing. The method of claim 1, Certificate issuing unit for transmitting a request for issuing a public certificate to the mobile payment server, and storing the issued public certificate with the user authentication information in the certificate storage unit The mobile communication terminal further comprises. The method of claim 6, The certificate issuing unit is a mobile communication terminal for user authentication and mobile payment, characterized in that for receiving the authorized certificate from the mobile payment server using a WAP service. An electronic bill terminal for generating and storing order history information in response to an order from a user; A mobile communication terminal for storing an authorized certificate associated with mobile payment and generating mobile payment information and authentication information for the order details; And A mobile payment server that authenticates the user based on the authorized certificate and approves the mobile payment for the order details. Including, The mobile terminal outputs the order history information received from the electronic bill terminal to the user, and transmits the mobile payment information and the authentication information to the mobile payment server in response to a mobile payment request from the user. Mobile payment system characterized by. The method of claim 8, The electronic bill terminal stores order processing status information, The electronic bill terminal is a mobile payment system, characterized in that for updating the order processing status information when the order contents are delivered to the user delivery completion state, The method of claim 8, The electronic bill terminal stores order processing status information, The electronic bill terminal is a mobile payment system, characterized in that for updating the order processing status information when the mobile payment is approved. The method of claim 8, And a unique identification number is assigned to the electronic bill terminal, and the mobile payment approval is performed on the assigned unique identification number. In the method of performing a mobile payment in the mobile communication terminal by communicating with the electronic bill terminal, Transmitting a request for issuing a public certificate, and storing and maintaining the issued public certificate in a memory; Receiving order history information from the electronic bill terminal; Outputting the order history information to a user; Receiving payment request information from a user; In response to the payment request, transmitting payment information and authentication information associated with the authorized certificate to a mobile payment server; And When the user authentication based on the authentication information is completed from the mobile payment server, receiving payment approval information Mobile payment method comprising the. A computer-readable recording medium having recorded thereon a program for executing the method of claim 12.

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