KR20080019092A - Electronic payment system and method thereof - Google Patents

Abstract

A system and a method for processing electronic payment are provided to extend usage of a prepaid value tool stored in a mobile terminal without any complex procedure and authentication by enabling anyone having the mobile terminal to promptly use the prepaid value tool for offline transaction in an offline area such as Internet contents. A service support server(600) is connected to the first and second network, connects a payment session with a mobile terminal(200) by transmitting a callback URL(Uniform Resource Locator), and receives a payment request from the mobile terminal when the payment session is connected. A payment authentication server(500) requests the service support server to connect the payment session with the mobile terminal based on a purchase request by connecting to the second network, receives/verifies the payment request based on an algorithm set to electronic cash(210) of the mobile terminal, and offsets a purchase price from the remainder of the electronic cash by transmitting a payment approval to the mobile terminal depending on a verification result. The service support server transmits the payment approval to the mobile terminal, and transmits a payment result according to offset of the electronic cash to the payment authentication server.

Description

Electronic payment settlement system and method thereof {ELECTRONIC PAYMENT SYSTEM AND METHOD THEREOF}

1 is a block diagram illustrating an electronic payment settlement system according to an embodiment of the present invention.

2 is a block diagram illustrating a payment authentication server of an electronic payment settlement system according to an embodiment of the present invention.

3 is a block diagram illustrating in detail a mobile terminal according to an exemplary embodiment of the present invention.

4 is a data flow diagram illustrating an electronic payment settlement method of an electronic payment settlement system according to an exemplary embodiment of the present invention.

The present invention relates to an electronic payment settlement system and method, and more particularly, to an electronic payment settlement system and method for providing a payment service using electronic money included in a mobile terminal.

Electronic commerce, which has emerged due to the rapid development of information and communication technology, has created a demand for payment means by a new electronic method that improves the inconvenience of the existing currency or payment method. It was an opportunity to do it.

Electronic money, which is a payment method of electronic commerce, is one of the element technologies for electronic commerce along with information security, electronic authentication, encryption, etc., and digital information having the same value as coins or banknotes used as payment means in actual commerce. An electronic payment means that can be stored on computer recording media such as disks and IC chips and can be transmitted over a network.

In general, electronic money is an electronic payment method that stores a certain value of money in digital data format such as an IC (Integrated Circuit) card, a smart card or a personal computer (PC) and pays it online or offline. In particular, electronic money that stores certain money value in digital data format on smart cards that have excellent security, high stability, and no counterfeit can be easily paid for a small amount.

In the conventional technology using electronic money, a prepaid value is input to the IC card to process payment settlement in various offline merchant payment machines, and the IC card prepaid value payment program is installed on a server and a user PC on the network. A user may purchase a corresponding item on the Internet by using a separate PC IC card reader.

At this time, the storage value in the IC card is immediately deducted when the payment is made on the network. This conventional method is structured to complete payment by only the value stored in the IC card, not a method and system for managing separate value information on the network.

Such a method of processing payment settlement in various offline merchant payment machines by inputting a prepaid value into the IC card is inconvenient for a conventional user to have a PC with an IC card, an IC card reader, and related programs installed on a network. have. This is why the IC card type electronic money is not being used as a payment method on the network.

Accordingly, an aspect of the present invention is to provide an electronic payment settlement system and method for providing a payment service using an electronic money included in a mobile terminal.

According to a first aspect of the present invention for solving the above technical problem, the mobile terminal including the electronic money and the service support server of the first communication network is connected via a first communication network and supports the payment service of the electronic money; The method for providing electronic payment payment of a payment authentication server connected to the service support server through a second communication network to transmit and receive data,

a) receiving purchase request information according to a purchase request of a user; b) requesting the service support server to connect a session with the mobile terminal based on the purchase request information; c) receiving payment request information according to a payment request from the mobile terminal according to a session connection with the mobile terminal; d) generating payment approval information and transmitting the generated payment approval information to the mobile terminal according to the verification of the payment request information based on a preset algorithm; And e) receiving, from the service support server, payment result information for the balance deduction of the electronic money performed by the mobile terminal based on the payment approval information.

Here, step d),

d-1) verifying a first signature of the electronic money included in the payment request information through the preset algorithm; d-2) if the verification is successful, generating a second signature of the payment verification server; d-3) including the generated second signature in the payment approval information and transmitting it to the mobile terminal; And d-4) in case the verification fails, informing the mobile terminal of the payment failure.

Here, after the step e),

f) generating and storing purchase history information based on the payment result information and then notifying the user of the purchase approval result.

According to a second aspect of the present invention, an application server providing a specific service to a user and a payment authentication server connected through a second communication network, and a service support server of a first communication network connected to the payment authentication server and supporting a payment service An electronic payment settlement method of a mobile terminal for providing electronic payment settlement by accessing an electronic payment settlement system including:

a) receiving a message including a callback Uniform Resource Locator (URL) for a session connection and a specific purchase price from the service support server; b) establishing a session connection with the service support server based on the callback URL; c) generating payment request information for a payment request according to the session connection and transmitting it to the payment authentication server; d) receiving payment approval information according to the payment request information verification from the payment authentication server and subtracting a balance of electronic money based on the purchase amount; e) transmitting the payment result information according to the balance deduction of the electronic money to the payment authentication server.

Here, step c),

c-1) generating a signature of the electronic money based on a specific algorithm according to the session connection; c-2) The first signature of the electronic money and the information of the electronic money, wherein the information of the electronic money includes the electronic money balance, the electronic money company ID, the electronic money ID, the cryptographic algorithm (Key value) information, and the electronic money transaction serial number. Generating the payment request information, including; And c-3) transmitting the generated payment request information to the payment verification server.

According to a third aspect of the present invention, an electronic payment settlement system that performs payment for a user's purchase request through data transmission and reception with a mobile terminal connected to a first communication network and a user terminal connected to a second communication network,

Is connected to the first communication network and the second communication network, requests a session connection for the payment from the mobile terminal to perform a session connection with the mobile terminal, and pays for the payment from the mobile terminal according to the session connection. A service support server for receiving request information; And a session connection request with the mobile terminal to the service support server based on the purchase request, connected to the second communication network, and receiving the payment request information based on an algorithm mutually set between the electronic money of the mobile terminal. And a payment authentication server that transmits payment approval information to the mobile terminal according to the verification, thereby subtracting the balance of the electronic money from the purchase amount.

Here, the service support server receives the payment approval information and transmits it to the mobile terminal, and receives payment result information according to the purchase amount deduction of the electronic money from the mobile terminal and transmits it to the payment authentication server.

Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings so that those skilled in the art may easily implement the present invention. As those skilled in the art would realize, the described embodiments may be modified in various different ways, all without departing from the spirit or scope of the present invention. In the drawings, parts irrelevant to the description are omitted in order to clearly describe the present invention, and like reference numerals designate like parts throughout the specification.

Throughout the specification, when a part is said to "include" a certain component, it means that it can further include other components, except to exclude other components unless otherwise stated.

In addition, the term module described herein refers to one unit for processing a specific function or operation, which may implement hardware or software or a combination of hardware and software.

Now, the electronic payment settlement system and method thereof according to an embodiment of the present invention will be described in detail with reference to the accompanying drawings.

1 is a block diagram illustrating an electronic payment settlement system according to an embodiment of the present invention.

As shown in FIG. 1, the electronic payment settlement system includes a payment authentication server 500, a payment gateway system (hereinafter referred to as PG) 400, a service support server 600, and a plurality of application servers. It includes 300, the user terminal 100 and the mobile terminal 200 is connected.

In this case, the user terminal 100 is connected through a network (where the network includes a network made of wireless or wired), and the mobile terminal 200 is connected to a mobile communication network through a wireless connection terminal (omitted).

The payment authentication server (Host) 500 is connected to the network through the PG 400, receives the purchase request information for the purchase request of the user terminal 100 from a plurality of application server 300, received the purchase request Generate a short message service (SMS) transmission request to the corresponding service support server 600 based on the mobile number, mobile carrier information, customer name, purchased product information, and transaction amount included in the information. send.

In addition, the payment authentication server 500 receives the payment request information transmitted by the mobile terminal 200, and checks the electronic money company ID, electronic money ID, encryption password algorithm identifier, electronic money key version included in the payment request information. The signature (Sign # 1) included in the payment request information is verified based on a preset algorithm (Key value), and when the verification is successful according to the electronic money verification, the transaction amount is calculated and stored in the electronic money balance. And, the payment approval information is generated and transmitted to the mobile terminal 200. In this case, the same algorithm (key value) is set between the payment authentication server 500 and the electronic money of the mobile terminal 200.

In addition, the payment authentication server 500 receives the payment result information transmitted by the mobile terminal 200, and verifies the signature (Sign # 3) included in the received payment result information based on a preset algorithm (key value). do. At this time, if the verification is successful, the cumulative transaction total amount is calculated, and individual transaction details and individual transaction history signatures (Sign INDs) are generated and stored.

Here, the decision request information includes a cryptographic algorithm identifier, an electronic money key version, an electronic money balance, an electronic money company ID, an electronic money ID, an electronic money transaction serial number, a signature (Sign # 1) generated from an electronic money, and a transaction amount. do. At this time, the signature Sign # 1 is generated by combining information including an algorithm identifier, an electronic money key version, an electronic money balance, session setting information of the electronic money, and the like into a specific algorithm (key value).

Here, the payment authorization information includes a PSAM ID (Purchase Secure Application Module IDentification), PSAM (Purchase Secure Application Module (hereinafter referred to as 'PSAM') transaction serial number, PSAM status code, PSAM generated signature (Sign # 2) Included. At this time, the signature (Sign # 2) is generated by combining the information including the transaction amount, PSAM ID, PSAM transaction serial number, and session setting information of the PSAM with a specific algorithm (Key value).

In addition, the payment authentication server 500 receives an error message from the service support server 600 and informs the user terminal 100 of the error after stopping the payment.

The PG 400 is a host on a network that provides a payment agent service, and connects the application server 300 and the payment authentication server 500.

The service support server 600 includes a Wap Server, an SMS server, a mobile communication network authentication server, etc. of the mobile communication network, and transmits to the mobile terminal 200 according to the SMS transmission request received from the payment authentication server 500. A payment request SMS is generated and transmitted, and payment request information received from the mobile terminal 200 is performed to perform a session connection. In this case, the payment request SMS includes a callback uniform resource locator (URL) and purchase request information, which is connection setting information for accessing a corresponding payment service.

In addition, the service support server 600 transmits the payment request information to the payment authentication server 500, and receives the payment approval information from the payment authentication server 500 and transmits the payment approval information to the mobile terminal 200.

In addition, after receiving the payment result information of the mobile terminal 200, the service support server 600 releases the session connection with the mobile terminal 200 and transmits the payment result information to the payment authentication server 500.

In addition, the service support server 600 receives an error message from the mobile terminal 200 and transmits it to the payment authentication server 500.

The application server 300 includes an authentication module (omitted), a service providing module (omitted), etc., performs authentication on the user terminal 100 to provide a specific service, and provides a user terminal for a specific product, content, etc. The purchase request information is generated according to the purchase request of 100 and transmitted to the payment authentication server 500 through the PG 400.

The user terminal 100 connects to the application server 300 through a network, and provides various services provided by the application server 300 to the user.

In this case, the user terminal 100 includes all terminals that can access a specific application server 300 through a network and provide a specific service.

The mobile terminal 200 includes an electronic money 210, receives a payment request SMS (Callback URL) received from the service support server 600, and based on the user's request (approval of receiving the corresponding URL connection) upon receipt. After performing the access to the URL to generate payment request information and transmits to the service support server 600.

In addition, the mobile terminal 200 receives the payment approval information from the service support server 600, and performs the verification (verification of the signature (Sign # 2) based on a predetermined algorithm (Key value)) for the corresponding payment. Then, the balance included in the electronic money 210 is subtracted based on the transaction amount included in the purchase request information, and the payment result information is generated and transmitted to the service support server 600 according to the deduction. At this time, the electronic money 210 of the mobile terminal performs a transaction log recording according to the balance deduction.

Here, the payment result information includes a transaction signature (Sign # 3) generated in the electronic money (210). Here, the signature Sign # 3 is generated by combining information including a PSAM ID, a PSAM transaction serial number, an electronic money balance, electronic money session setting information, and the like into a specific algorithm (key value).

At this time, the electronic money 210 assumes that a certain amount is charged, and when the balance is smaller than the transaction amount, the electronic money 210 provides an error (ERROR) due to the suspension of payment to the user through the mobile terminal 200, and the service support server. Send an error message to (600).

Meanwhile, in the embodiment of the present invention, although the session connection is performed between the service support server 600 and the mobile terminal 200 through an SMS message, a session such as a multimedia message service (IMS), an instant message (IM), etc. is used for the session connection. There are also various types of services available to perform the connection.

Such an electronic payment settlement system can conveniently and easily perform payments without the need for complicated input procedures and time to perform payments while using the Internet, and in particular, by deducting the amounts stored in electronic money. It is effective to perform real time payment.

Next, a payment authentication server and a mobile terminal of an electronic payment settlement system according to an embodiment of the present invention will be described in detail with reference to FIGS. 2 and 3.

2 is a block diagram illustrating a payment authentication server of an electronic payment settlement system according to an embodiment of the present invention.

As shown in FIG. 2, the payment authentication server 500 according to an embodiment of the present invention includes a communication module 510, a control module 520, a purchase secure application module (PSAM) 530, and a database. 540, and performs electronic money verification and payment processing, and provides the payment result according to the performance to the user terminal 100.

The communication module 510 includes a network interface, performs data transmission / reception with the PG 400 and the service support server 600 illustrated in FIG. 1, and is controlled by the control module 520.

The payment security application module 530 is controlled by the control module 520, receives the payment request information of the mobile terminal 200, PSAM status code, electronic money company ID, electronic money ID, use password algorithm identifier and electronic money After verifying the key version, verify the digital sign (sign # 1), set up a payment-related session, generate a serial number for the PSAM transaction, approve the transaction amount from the electronic money balance, and generate the PSAM signature (sign # 2). . The payment security application module 530 generates payment approval information including a PSAM ID, a PSAM transaction serial number, a PSAM status code, and a PSAM signature (Sign # 2).

In addition, the payment security application module 530 records a transaction log related to payment in the database 540.

In addition, the payment security application module 530 receives the payment result information of the mobile terminal 200 to verify the electronic money transaction signature (Sign # 3), calculate the cumulative transaction total amount, generate individual transaction details, and sign individual transaction details ( Sign IND) generation and transmission to the control module 520.

Here, the verification of the electronic money signature (Sign # 1) and the signature (Sign # 3) is performed by comparison with a preset algorithm (key value).

At this time, the payment security application module 530 compares the balance information and the pre-calculated deduction information at the time of verifying the electronic money transaction signature (Sign # 3), and if not matched according to the comparison, performs the corresponding payment failure processing. do.

Here, the payment failure processing refers to a process in which the payment security application module 530 transmits and stores error information about the payment to the control module 520.

The database 540 is managed by the control module 520 and includes information of electronic money (electronic money company, electronic money ID, cryptographic algorithm (Key value) information, transaction serial number, etc.) stored by the administrator. And transaction log records related to payment.

The control module 520 controls the communication module 510, the payment security application module 530, and the database 540, and supports the service based on the purchase request information of the application server 300 received through the PG 400. Request transmission of the SMS to the server 600, and performs session connection establishment with the service support server 600 according to the payment session connection establishment of the payment security application module 530.

In addition, the control module 520 is based on the information on the payment approval result including the cumulative transaction total calculation information, individual transaction history generation information, individual transaction history signature (Sign IND) generation information from the payment security application module 530 After storing the individual transaction history, release the session with the service support server 600 and transmits the information on the payment approval result including the individual transaction history to the application server 300 through the PG (400).

Such a payment authentication module may deduct the balance of electronic money included in the mobile terminal based on the purchase request information received from the application server, so that the user can perform a fast and secure purchase using the electronic money pre-charged. There is a big advantage.

3 is a block diagram illustrating in detail a mobile terminal according to an exemplary embodiment of the present invention.

As shown in FIG. 3, the mobile terminal 200 according to the embodiment of the present invention includes a communication module 230, an electronic money 210, a card management module 220, and a control module 240. The session connection is performed based on the payment request SMS received from the service support server 600 shown in FIG. 1, and the payment request information is generated and transmitted to the service support server 600. In addition, after receiving payment approval information of the payment authentication server 500 shown in FIG. 1, the balance of the electronic money 210 is subtracted, and payment result information is generated according to the payment support through the service support server 600. Send to server 500.

The communication module 230 includes an interface for accessing a mobile communication network, and performs data transmission / reception with the service support server 600 of the mobile communication network.

The card management module 220 manages the electronic money 210 under the control of the control module 240, and controls the connection related to the session setting of the electronic money 210 and payment related log files generated from the electronic money 210. It manages all matters related to payment of the electronic money 210 such as storage, control module 240 and connection setting between the electronic money 210.

In addition, the card management module 220 provides the electronic money 210 with the transaction amount received from the control module.

The electronic money 210 includes unique information such as an electronic money balance, an electronic money company ID, an electronic money ID, and an electronic money key version, and is based on a transaction amount included in a payment request SMS received from the card management module 220. Check the electronic money balance and, if the electronic money balance is greater than the transaction amount, generate a transaction serial number and set up a session. After generating the electronic money signature (Sign # 1), payment request information to be transmitted to the payment verification server 500 is generated and transmitted to the service support server 600 through the communication module 230.

In this case, it is assumed that the electronic money 210 is charged with a specific amount. When the balance is smaller than the transaction amount, the electronic money 210 transmits an error (ERROR) due to the stop of payment to the control module 240, and the control module 240 After providing the received error (ERROR) to the user through the display module (omitted) and transmits an error (ERROR) message to the service support server 600.

In addition, the electronic money 210 verifies the PSAM signature (Sign # 2) included in the payment authorization information received from the card management module 220 based on a preset algorithm (Key value), and if the verification is successful, the electronic money After subtracting the transaction amount from the balance of 210, the electronic money transaction signature (Sign # 3) is generated and transmitted to the payment authentication server 500 through the service support server 600.

The control module 240 controls the communication module 230, the electronic money 210, and the card management module 220. The control module 240 receives a payment request SMS from the service support server 600 and provides the user with a display module (omitted). And provide the transaction amount included in the payment request SMS to the card management module 220 according to the user's permission to access the corresponding URL.

In addition, the control module 240 provides the user with information on the event generated at the time of payment through the display module (omitted).

Here, although the SIM card is used as the electronic money 210 in the embodiment of the present invention, it can be used as electronic money such as a User Identity Module (UIM), a Universal Subscriber Identify Module (USIM), a Removable User Identity Module (RUIM), and the like. You can also use a variety of cards.

4 is a data flow diagram illustrating an electronic payment settlement method of an electronic payment settlement system according to an exemplary embodiment of the present invention.

As shown in FIG. 4, in the electronic payment settlement method according to an embodiment of the present invention, the user terminal 100 is connected to the application server 300.

The user terminal 100 is connected to the application server 300 (S100), while receiving a specific service receives a purchase request for a specific item or content from the user, the application server 300 in accordance with the reception Send a purchase request to (S102).

Here, it is assumed that the user terminal 100 performs user authentication for accessing the application server 300 through a user authentication step when accessing the application server 300.

The application server 300 receives a purchase request from the user terminal 100, generates purchase request information according to the received purchase request, and transmits the purchase request information to the payment authentication server 500 through the PG 400 (S104).

In this case, the purchase request information includes a mobile phone number, mobile carrier information, a customer name, purchase product information, and a transaction amount.

The payment authentication server 500 makes an SMS transmission request to the corresponding service support server 600 based on the purchase request information received from the application server 300 (S106). At this time, the purchase request information is also provided to the service support server 600 at the time of the SMS transmission request.

The service support server 600 receives an SMS transmission request from the payment authentication server 500, generates a payment request SMS according to the received SMS transmission request, and transmits the SMS to the mobile terminal 200 (S108). At this time, the payment request SMS includes a callback URL, which is connection setting information that can access the corresponding payment service, and purchase request information.

The mobile terminal 200 receives the payment request SMS received from the service support server 600 and provides it to the user (S110), and accesses the corresponding URL according to the user's request (approval of receiving the corresponding URL connection) received from the user. After performing the payment request information is generated and transmitted to the service support server 600 (S112).

Here, the payment request information generated by the mobile terminal 200 includes a cryptographic algorithm identifier, an electronic money key version, an electronic money balance, an electronic money company ID, an electronic money ID, an electronic money transaction serial number, and a signature generated from an electronic money (Sign # 1) and transaction amounts. At this time, the signature Sign # 1 is generated by combining information including an algorithm identifier, an electronic money key version, an electronic money balance, session setting information of the electronic money, and the like into a specific algorithm (key value).

The service support server 600 receives payment request information from the mobile terminal 200 and transmits the received payment request information to the payment authentication server 500 (S114).

The payment authentication server 500 is based on the payment request information received from the service support server 600, the electronic money signature (PSAM status code, electronic money ID, electronic money ID, password encryption algorithm identifier, electronic money Key version check) sign # 1) Perform verification (S115), and if verification is successful according to the verification, establish a payment related session, generate PSAM transaction serial number, approve transaction amount deduction from electronic money balance, and sign PSAM (sign # 2). Create.

When the verification of the payment fails in step S115, the payment is failed and the user terminal 100 and the mobile terminal 200 are notified of the payment failure.

Then, the payment authentication server 500 generates payment approval information including the PSAM ID, the PSAM transaction serial number, the PSAM status code, and the PSAM signature (Sign # 2) (S116). At this time, the PSAM signature (Sign # 2) is generated by combining information, including a transaction amount, a PSAM ID, a PSAM transaction serial number, and session setting information of the PSAM, using a specific algorithm (key value).

The payment authentication server 500 transmits the generated payment approval information to the corresponding mobile terminal 200 through the service support server 600 (S118).

The mobile terminal 200 receives the payment approval information from the payment authentication server 500, and after verifying the PSAM signature (Sign # 2) included in the received payment approval information (S119), if the verification is successful, the electronic money balance Subtract the transaction amount from the record in the transaction log (S120), and provides the payment result information according to the payment success, including the transaction amount, transaction amount deduction information and purchase information (S122). At this time, the mobile terminal 200 notifies the verification failure to the payment authentication server 500 when verification fails.

Then, the mobile terminal 200 generates an electronic money transaction signature (Sign # 3). At this time, the electronic money transaction signature (Sign # 3) is generated by combining information including a PSAM ID, a PSAM transaction serial number, an electronic money balance, electronic money session setting information, and the like into a specific algorithm (key value).

The mobile terminal 200 generates payment result information including the generated electronic money transaction signature (Sign # 3) and transmits the generated payment result information to the service support server 600 (S123 and S124).

The service support server 600 receives payment result information from the mobile terminal 200, terminates the connection session with the mobile terminal 200 (S126), and transmits the payment result information received to the payment authentication server 500. (S128).

The payment verification server 500 receives payment result information from the service support server 600, terminates a connection session with the service support server 600, and previews a signature (Sign # 3) included in the received payment result information. Verify based on the set algorithm (S130, S131). At this time, if the verification is successful, the payment verification server 500 calculates the cumulative transaction total amount, and generates and stores an individual transaction history and an individual transaction history signature (Sign IND).

Then, the payment authentication server 500 generates payment approval result information including the individual transaction details and the individual transaction history signatures and transmits the information to the application server 300 through the PG 400 (S132 and S133).

In step S131, when the verification fails, the payment processing is failed and the user terminal 100 and the mobile terminal 200 are notified of the payment failure.

The application server 300 receives the payment approval result information and approves the payment (S134), and transmits the purchase confirmation information (including the transaction details) to the user terminal 100 (S136).

The user terminal 100 receives purchase confirmation information through the application server 300 and provides it to the user.

The embodiments of the present invention described above are not only implemented through the apparatus and the method, but may also be implemented through a program for realizing a function corresponding to the configuration of the embodiment of the present invention or a recording medium on which the program is recorded. Implementations can be easily implemented by those skilled in the art from the description of the above-described embodiments.

Although the embodiments of the present invention have been described in detail above, the scope of the present invention is not limited thereto, and various modifications and improvements of those skilled in the art using the basic concepts of the present invention defined in the following claims are also provided. It belongs to the scope of rights.

According to the above-described configuration, the electronic payment settlement system greatly expands the scope of use so that any user who possesses a mobile phone in the online area such as Internet contents can immediately use the prepaid value means that users can use only on offline transactions such as traffic prepaid. You can expect the effect to be made.

In addition, the electronic payment settlement system minimizes the inconvenience of having to make separate purchases offline, many processing steps and complex procedures and authentication, and enhances security such as preventing the leakage of personal information. You can expect

In addition, while maintaining the general advantages of the mobile payment means, such as (Anywhere Anytime), accessibility (Real POS, Virtual POS, No POS), convenience (card reader and PC not required), the functionality of the mobile phone Without separate terminal and real time networking, it can be expected to be used conveniently without complicated input procedure and time.

In particular, in the case of using the electronic money installed in the mobile phone, it is expected to reduce the delinquency of credit for the post-payment of the conventional mobile phone payment method and generate various additional profits such as immediate payment and increase in call charges. have.

In addition, by using the electronic payment settlement system, it is possible to provide a variety of effects to consumers, service providers, mobile phone operators as follows.

-Consumers will have various internet payment methods.

In particular, by using a rechargeable prepaid card in conjunction with a mobile phone in the case of minors, it can be prevented from indiscriminately over-consuming like a conventional mobile phone payment (postpaid method). In addition, in the case of a minor who did not have a payment method on the Internet (not a payment target such as a bank transfer, credit card, mobile phone payment, etc.), a new payment method is provided.

-In case of Internet service provider, accepting prepaid card payment means can reduce the payback cycle of the payment price because it is shorter than other payment methods such as mobile phone payment or credit card and credit loss is reduced than postpay payment means.

-In the case of mobile phone service providers, credit loss (overdue, etc.) for post-payment of existing mobile phone bills is reduced, immediate payment is possible, and additional revenue is paid due to the burden of call charges for session connection when sending SMS. It can increase.

Claims (19)

A mobile terminal including an electronic money is connected through a first communication network, and a service support server of a first communication network supporting a payment service of the electronic money is connected to the service support server and a second communication network to transmit and receive data. A method for providing electronic payment settlement of a payment verification server, a) receiving purchase request information according to a purchase request of a user; b) requesting the service support server to connect a session with the mobile terminal based on the purchase request information; c) receiving payment request information according to a payment request from the mobile terminal according to a session connection with the mobile terminal; d) generating payment approval information and transmitting the generated payment approval information to the mobile terminal according to the verification of the payment request information based on a preset algorithm; And e) receiving, from the service support server, payment result information for the balance deduction of the electronic money performed by the mobile terminal based on the payment approval information; Electronic payment settlement method comprising a. The method of claim 1, Step d), d-1) verifying a first signature of the electronic money included in the payment request information through the preset algorithm; d-2) if the verification is successful, generating a second signature of the payment verification server; d-3) including the generated second signature in the payment approval information and transmitting it to the mobile terminal; And d-4) in case the verification fails, informing the mobile terminal of the payment failure; Electronic payment settlement method comprising a. The method of claim 1, After step e), f) generating and storing purchase history information based on the payment result information and notifying the user of the purchase approval result; E-payment payment method comprising more. The method of claim 3, Step f), f-1) verifying a third signature of the electronic money included in the payment result information based on the preset algorithm; f-2) if the verification is successful, calculating the cumulative transaction total to generate an individual transaction history and an individual transaction history signature (Sign IND); f-3) notifying the user of the generated individual transaction details; And f-4) notifying the mobile terminal of the payment failure if the verification fails; Electronic payment settlement method comprising a. The method of claim 4, wherein And the first signature, the second signature, and the third signature are generated based on an algorithm set between the electronic money and the payment authentication server. The method according to any one of claims 1 to 5, Step b), And requesting to perform a session connection by using a callback Uniform Resource Locator (URL) to the service support server based on the purchase request information. The method of claim 1, The purchase request information includes a mobile terminal number, mobile carrier information, customer name, purchase product information and transaction amount, The payment request information includes an algorithm identifier, an electronic money key version, an electronic money balance, an electronic money company ID, an electronic money ID, an electronic money transaction serial number, and a first signature. The payment authorization information includes a PSAM ID, a PSAM transaction serial number, a PSAM status code, a second signature, and the like. And the payment result information includes a third signature. Access to an electronic payment system comprising a payment authentication server connected to an application server providing a specific service to a user through a second communication network and a service support server of a first communication network connected to the payment authentication server to support a payment service. In the electronic payment settlement method of the mobile terminal to provide an electronic payment settlement, a) access information for session connection from the service support server, wherein the connection information includes a callback Uniform Resource Locator (URL); and receiving a message including a specific purchase price; b) performing a session connection with the service support server based on the access information; c) generating payment request information for a payment request according to the session connection and transmitting it to the payment authentication server; d) receiving payment approval information according to the payment request information verification from the payment authentication server and subtracting a balance of electronic money based on the purchase amount; e) transmitting the payment result information according to the balance deduction of the electronic money to the payment verification server; Electronic payment settlement method comprising a. The method of claim 8, C), c-1) generating a signature of the electronic money based on a specific algorithm according to the session connection; c-2) The first signature of the electronic money and the information of the electronic money, wherein the information of the electronic money includes the electronic money balance, the electronic money company ID, the electronic money ID, the cryptographic algorithm (Key value) information, and the electronic money transaction serial number. Generating the payment request information, including; And c-3) transmitting the generated payment request information to the payment verification server. Electronic payment settlement method comprising a. The method of claim 8, Step d), d-1) receiving payment approval information from the payment authentication server; d-2) verifying the payment approval information based on a preset algorithm; d-3) deducting the balance of electronic money based on the purchase amount and performing a transaction log record when the verification is successful; And d-4) notifying the payment verification server of the verification failure when the verification fails as a result of the verification; Electronic payment settlement method comprising a. The method of claim 10, Step d-2), And verifying the signature of the payment verification server included in the payment approval information based on a predetermined algorithm. The method according to any one of claims 8 to 10, Step e), e-1) generating a second signature of the electronic money based on the preset algorithm according to the balance deduction of the electronic money; And e-2) generating and transmitting the payment result information including the second signature to the payment verification server; Electronic payment settlement method comprising a. The method of claim 12, The preset algorithm is electronic payment settlement method, characterized in that the information pre-set between the payment authentication server and the electronic money. In the electronic payment settlement system for performing a payment for the purchase request of the user through data transmission and reception with the mobile terminal connected to the first communication network and the user terminal connected to the second communication network, Is connected to the first communication network and the second communication network, requests a session connection for the payment from the mobile terminal to perform a session connection with the mobile terminal, and pays for the payment from the mobile terminal according to the session connection. A service support server for receiving request information; And Based on an algorithm connected to the second communication network to request a session connection with the mobile terminal to the service support server based on the purchase request, and to receive the payment request information and mutually set the electronic money between the mobile terminals. The payment authentication server for verifying and transmitting payment approval information to the mobile terminal according to the verification so that the balance of the electronic money can be deducted from the purchase amount. Electronic payment settlement system comprising a. The method of claim 14, The service support server receives the payment approval information and transmits it to the mobile terminal, and receives the payment result information according to the purchase amount deduction of the electronic money from the mobile terminal and transmits to the payment authentication server. The method of claim 15, The payment verification server provides the electronic payment settlement system to receive the payment result information to the user terminal to notify the user of the payment result. The method of claim 14, And an application server connected to the second communication network to provide a specific service to a user terminal, and receiving a purchase request of the user from the user terminal and providing the purchase request to the payment authentication server. The method according to any one of claims 14 to 17, The payment authentication server receives an error message generated by the mobile terminal failed to verify the payment approval information from the service support server to provide to the user terminal electronic payment system. The method according to any one of claims 14 to 17, The service support server request for the session connection with the mobile terminal using a callback Uniform Resource Locator (URL) characterized in that the payment system.

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