KR20080027541A - Payment servising system and controlling method using the mobile communication terminal, and mobile communication terminal and operational method for the same - Google Patents

Abstract

A system for providing a payment service using a mobile terminal, a control method, and a mobile terminal and an operation method thereof are provided to process payment relation easily by forming a claim/payment relation with a directional NFC(Near Field Communication) module through a mobile terminal. A first mobile terminal(30) makes a bill, transmits the bill and an approval request signal to a second mobile terminal(40) through a directional NFC module, and transmits a payment request signal to a payment server(10) when an approval response signal is received from the second mobile terminal. The second mobile terminal transmits the approval response signal to the first mobile terminal by confirmation when the bill and the approval request signal are received from the first mobile terminal. A payment server authenticates user authentication and payment when a payment request signal is received from the first mobile terminal. An authentication server(50) performs an authentication process according to user information when first/second mobile terminal user information is received. The direction NFC module includes at least one of infrared, Bluetooth, ZigBee, WiBro(Wireless Broadband), WiFi(Wireless Fidelity), and PAN(Personal Area Network).

Description

Payment service system and control method using mobile communication terminal and mobile communication terminal and operation method therefor {PAYMENT SERVISING SYSTEM AND CONTROLLING METHOD USING THE MOBILE COMMUNICATION TERMINAL, AND MOBILE COMMUNICATION TERMINAL AND OPERATIONAL METHOD FOR THE SAME}

1 is a block diagram showing a simplified configuration of a payment service system using a mobile communication terminal according to the present invention.

2 is a flowchart illustrating a control method of a payment service system using a mobile communication terminal according to the present invention.

Figure 3 is a detailed block diagram of a mobile communication terminal of the configuration of a payment service system using a mobile communication terminal according to the present invention.

* Description of symbols on the main parts of the drawings *

10: payment server 20: mobile communication network

30: first mobile communication terminal 40: second mobile communication terminal

41: wireless processor 42: bill generator

43: approval generation unit 44: display unit

45: control unit 46: memory unit

47: short-range communication module unit 48: user authentication unit

50: authentication server

The present invention relates to a payment service using a mobile communication terminal, and in particular, a directional short-range communication module is mounted on a mobile communication terminal so that short-range communication is performed without knowing a telephone number, and thus a payment relationship is processed between mobile terminal user. The present invention relates to a payment service system and a control method using a mobile communication terminal, and a mobile communication terminal and an operation method therefor.

In general, payment processing at sales and retail outlets, including public and private stores, restaurants, hotels, and other service industries, has traditionally been using cash machines or payment card payment machines. This well-established payment processing method requires the customer to have banknotes or coins in cash or to have a magnetic or smart card as a means of payment.

In the future, such cash is expected to be costly and will gradually decrease in use as a means of payment. These costs, among other things, consume resources and sometimes carry risks in handling, withdrawal, transport and storage, as well as the enormous series of mechanical work involved in issuing coins or bills.

Until now, the use of payment terminals or machines using magnetic cards or smart cards has been widely accepted and recognized as a reasonable payment procedure. However, cards have disadvantages such as cost in manufacturing and distribution. Cards generally wear out and should be replaced every two years. The operation of the payment terminal affects the wear of the card. The weak point here is the readhead for reading the magnetic card.

In addition, the use of a payment terminal in a branch is relatively expensive. First, payment terminals have a relatively high manufacturing cost. And such a terminal is more expensive because it must be connected to a telecommunication network or a data network for data transmission. Moreover, banks and credit card companies require high fees in return for their services, which ultimately burdens customers. Until now, banks own all the power to make payment terminals and determine the portion of fees charged by customers using payment cards.

As such, payment processing using cash or cards can take a great deal of time and money to issue bills, coins and cards, as well as risks of handling, retrieval, transportation and storage.

Therefore, in order to solve the above-mentioned problem, the present invention forms a relationship between billing and payment as a directional short-range communication module through a popularized mobile communication terminal, and thereby easily handles a payment relationship. And a control method and a mobile communication terminal and an operation method therefor.

 A feature of the present invention for achieving the above object is that when the invoice is created and transmitted with the approval request signal to the second mobile communication terminal through the directional short-range communication module, and the approval response signal is received from the second mobile communication terminal A first mobile communication terminal transmitting a payment request signal to a payment server; A second mobile communication terminal which transmits an approval response signal to the first mobile communication terminal by confirmation when a bill and an approval request signal are received from the first mobile communication terminal; A payment server for authenticating by confirming user information and approving a payment if there is a payment request signal of the first mobile communication terminal; A mobile communication network forming a communication path between a payment server, a first mobile communication terminal, and a second mobile communication terminal; It is configured to include.

Preferably, the directional radio module includes at least one of infrared (IRDA), Bluetooth (BLUE-TOOTH), ZigBee, Wibro, WiFi, and PAN (Personal Area Network).

In addition, the payment service system using the mobile communication terminal, when the first mobile terminal user information and the second mobile communication terminal user information is transmitted to the payment server through the mobile communication network, the authentication server for performing the authentication process according to the user information; It is configured to include more.

Another feature of the present invention for achieving the above object is a payment service control method using a mobile communication terminal consisting of a payment server, authentication server, the first mobile communication terminal, the second mobile communication terminal mobile communication network, the first mobile communication terminal And registering, at the second mobile communication terminal, user information with a payment server and receiving a response thereto; Generating, by the first mobile communication terminal, an invoice to be transmitted to the second mobile communication terminal, and transmitting the created bill and an approval request signal for the same to the directional short-range communication module; Confirming the received bill by the second mobile communication terminal, preparing an approval for the bill, and then transmitting the received bill to the first mobile communication terminal; Checking, by the first mobile communication terminal, the received approval letter and confirming whether it matches the bill; If it matches, transmitting the payment processing information to the payment server; And processing the payment information based on the payment processing information received by the payment server, and transmitting the payment result to the second mobile communication terminal. It is configured to include.

Preferably, the invoice is sent with supporting documentation for claimant confirmation.

The payment server may further include transmitting the payment result to the first mobile communication terminal.

In addition, bill and approval checks consist of an integrity check and a validity check.

The payment processing information is the approval and bill information.

Another feature of the present invention for achieving the above object is a mobile communication terminal for performing a communication through a mobile communication network, a payment through the mobile communication network, a wireless processing unit for transmitting and receiving a signal through the mobile communication network; A near field communication module unit oriented to receive a bill and an approval request signal for the bill and to transmit an approval response signal to the approval request signal; An approval generator generating an approval including an approval response signal; A display unit for outputting the received bill and the approval request signal and the approval; A memory unit for storing the result output to the display unit; And a control unit controlling a transmission / reception signal received through the mobile communication network and a received bill and approval document. It is configured to include.

Preferably, the mobile communication terminal comprises a bill generating unit for generating a bill to be transmitted to an external mobile communication terminal; The directional short-range communication module unit further comprises a generated bill to the external mobile communication terminal, and the controller controls the bill to be transmitted to the external mobile communication terminal.

The mobile communication terminal further includes an authentication unit for user authentication, and an authentication code according to user authentication is stored in the memory unit.

In addition, the memory unit stores the card information together with the user authentication code, and the specific area in which the user authentication code and the card information are stored allows only limited access from the outside, and transmits the card information to the external server through the wireless processing unit. .

The directional short-range communication module unit may be one or more of a method module including infrared (IRDA), Bluetooth (BLUE-TOOTH), ZigBee, Wibro, WiFi, and PAN (Personal Area Network).

Another feature of the present invention for achieving the above object is a method of operating a mobile communication terminal having a wireless processing unit, the authorization generation unit, a display unit, a directional short-range communication module unit, the mobile communication terminal user to the external server through the wireless processing unit Registering the information and receiving a response thereto; Receiving a bill and an approval request signal from an external mobile communication terminal through a directional short range communication module; Confirming the received bill and generating an approval in the approval generator when a user command for the approval request signal is input; Transmitting the generated approval to the external mobile communication terminal through the directional short-range communication module unit; And after transmission, receiving a payment result from an external server through a wireless processing unit. It is configured to include.

Preferably, the generated authorization is transmitted to an external mobile communication terminal through a directional short-range wireless module unit, and the external mobile communication terminal transmits payment processing information to an external server; It is configured to further include, if the user information is registered further comprises the step of performing an authentication process according to the user information.

And, the bill check is an integrity check and validity check, and the user command entered after the bill check is a payment or rejection order for the bill.

In addition, payment results are received by SMS, MMS or e-mail.

Hereinafter, a payment service system and a control method using a mobile communication terminal and a mobile communication terminal and an operation method therefor will be described with reference to the accompanying drawings.

1 is a block diagram showing a simplified configuration of a payment service system using a mobile communication terminal according to the present invention.

As shown in FIG. 1, a payment service system using a mobile communication terminal according to the present invention includes a payment server 10 that handles payment, and a short-range directivity module configured to generate an invoice and an approval request signal corresponding to the invoice and the invoice content. Through the first mobile communication terminal 30 to receive the approval response signal for the bill, and receives the bill and the approval request signal from the first mobile communication terminal 30 and confirms the received bill and then write the approval letter Between the second mobile communication terminal 40 which transmits an acknowledgment response signal to the first mobile communication terminal 30, and between the payment server 10, the first mobile communication terminal 30, and the second mobile communication terminal 40. It consists of a mobile communication network 20 in which communication is formed.

Here, the first mobile communication terminal 30 may be replaced with a billing terminal in order to help understanding of the invention, and the second mobile communication terminal 40 may be replaced with a payment terminal, and vice versa. .

In addition, the first and second mobile communication terminals 30 and 40 are provided with a near field wireless module that is directional for performing wireless communication between the terminals. The directional short range wireless modules include Bluetooth, Zigbee, and IRDA. ), Wibro, WiFi, and PAN (Personal Area Network) are included, and sometimes removable.

In addition, the directivity can communicate with the first mobile communication terminal without knowing the telephone number which is information on the second mobile communication terminal 40.

In addition, the payment server 10 receives user information from the first and second mobile communication terminals 30 and 40, and the user information is transmitted through the mobile communication network 20. In addition, when the user information is input to the payment server 10 and connected to the payment server 10, an authentication server 50 for performing an authentication process according to the user information is further configured.

Although not shown, the mobile communication network 20 includes a mobile switching center (MSC), a base station controller (BSC), a base station transceiver (BTS), and an SMS center.

The operation and control method of the payment service system using the mobile communication terminal configured as described above will be described with reference to the control flowchart of the payment service using the mobile communication terminal shown in FIG. 2. Let's explain.

First, the first mobile communication terminal 30 and the second mobile communication terminal 40 register user information with the payment server 10 (S10), and the first server in the authentication server 50 connected to the payment server 10. The authentication is performed through the authentication procedure of the user of the mobile communication terminal 30 and the user of the second mobile communication terminal 40. The user information also includes card information.

Subsequently, when a process for an authentication procedure is performed in the authentication server 50, the user of the first mobile communication terminal 30 and the user of the second mobile communication terminal 40 are registered with the payment server 10, and the registration result thereof is registered. It transmits to the first mobile communication terminal 30 and the second mobile communication terminal 40.

As such, when the user information is registered (S10), the first mobile communication terminal 30 prepares and transmits an invoice to be transmitted to the second mobile communication terminal 40, which is directed (S20). Documentation is included, along with a request for approval in accordance with the invoice.

Subsequently, the second mobile communication terminal 40 which receives the bill and the approval request signal for the bill is performed to check the bill. The check process is divided into an integrity check and a validity check process.

Integrity checks, from the point of view of data and network security, ensure that information is only open to authorized people and can only be modified by them. Measures taken to ensure this integrity include controlling the physical environment of terminals and servers connected to the network, restricting data access, and maintaining strict authentication procedures. Data integrity can also be threatened by environmental risks such as heat, dust and other surge currents. Measures taken from the network management side to ensure data integrity include maintaining the current level of authorization granted to all users, documenting system administration procedures, limitations, and maintenance activities, and providing surge current or server failures and bias attacks. Preparing disaster recovery plans for such situations.

Integrity check methods include a parity check method, a check digit method, and a hash value method. The parity check method adds data for non-information bits (ie, parity bits) so that the sum is always odd or even, thereby verifying that the sum of the received data matches the sum of the input or transmitted data. The check digit method adds a mathematically calculated numeric value to the data to verify that the original data has not changed or has been replaced with an incorrect but valid value. In addition, the hash value method is a method of adding a numeric value calculated using a hash function having a one-way property to confirm that the original data has not changed.

When integrity is checked using such check methods, a validity check is performed to determine whether the contents of the data are reliable.

Validation checks are software or manual checks for error or standard compliance testing, e.g., when a character is entered instead of a number when entering an age, it is recognized as invalid data. Checks to determine whether the information is correct, password checks during logon, and IP packet checks.

As such, when the check process for the bill is made, the user of the second mobile communication terminal 40 inputs a user command such as payment or rejection to the approval request signal received with the bill through the user input.

Subsequently, when a user command is input, the second mobile communication terminal 40 prepares an approval letter and transmits the written approval letter to the first mobile communication terminal 30 (S30).

Then, when the approval letter is received from the second mobile communication terminal 40 to the first mobile communication terminal 30 (S30), the first mobile communication terminal checks the received approval through a check process and the check process checks the bill. The process is the same, and finally a matching check is made to see if the invoice and approval match.

Here, the matching check is to reduce the error of the directional short-range communication or the damage of the user.

After the matching check is performed, the first mobile communication terminal 30 transmits the payment processing information corresponding to the invoice and the approval to the payment server 10 (S40).

 The payment server 10 receiving the payment processing information processes the payment information and transmits the result of the payment processing to the first and second mobile communication terminals 30 and 40 (S50).

For example, the first mobile communication terminal 30 transmits a result message such as, "W was paid from the second mobile terminal" or "W was received from the second mobile terminal 40". It can be sent by SMS, MMS or e-mail.

On the other hand, the second mobile communication terminal 40 transmits a payment result such as "payment to the first mobile communication terminal" or "payment to the first mobile communication terminal".

3 is a detailed block diagram of a mobile communication terminal in the configuration of a payment service system using a mobile communication terminal according to the present invention.

As shown in FIG. 3, the mobile communication terminal receives a wireless processor 41 transmitting and receiving a signal through a mobile communication network, a bill and an approval request signal for the same, and transmits an approval response signal for the approval request signal. The short-range communication module 47 for directing, an approval generator 43 for generating an approval including an approval response signal, an invoice generator 42 for generating a bill, a received bill and an approval request signal, and A display unit 44 for outputting an acknowledgment for the approval request signal, a memory unit 46 for storing the result output to the display unit 44, a signal transmitted / received through the mobile communication network, received bill information and approval information Control unit 45 for controlling and a user authentication unit 48 for user authentication.

Here, the bill generating unit 42 generates a bill to be transmitted to the external mobile communication terminal and transmits the generated bill to the directional external mobile communication terminal to the directional short-range communication module unit 47, the control unit 45 is Control the bill to be transmitted to the external mobile communication terminal.

In addition, the memory unit 46 stores an authentication code according to user authentication, and also stores card information and transmits the card information to the external server through the wireless processing unit 41.

At this time, the specific area of the memory unit 46 in which the user authentication code and the card information are stored allows only limited access from the outside.

In addition, the invoice generated through the invoice generation unit 42 is included as evidence for verifying the claimant.

In addition, the directional short-range communication module 47 includes Bluetooth, Zigbee, infrared (IRDA), Wibro, WiFi, and Personal Area Network (PAN).

The operation of the mobile communication terminal configured as described above is as follows.

First, the mobile communication terminal user information is registered to an external server through the wireless processing unit 41.

Then, when receiving the bill and approval request signal from the external mobile communication terminal through the directional short-range communication module, the display unit 44 outputs it.

And the bill check process is performed under the control of the control unit 45 with respect to the output bill and the approval request signal, the user inputs a command such as payment or rejection for the approval request signal, and the approval letter from the approval generator 43 The generated authorization is transmitted to the external mobile communication terminal through the short range communication module 47, and then the wireless processing unit 41 receives the payment processing result from the external server and the display unit 44 outputs it.

As described above, the payment processing system and control method using the mobile communication terminal according to the present invention and the mobile communication terminal and operation method therefor reduce payments by using cash or a card and at the same time pay using the popularized mobile communication terminal. There is an effect that the payment process is made simple and easy.

In addition, since the communication is performed through the directional short-range communication module between the mobile communication terminal, there is an effect that the payment process is performed even without knowing the information (ex: phone number) for the terminal.

Meanwhile, in the detailed description of the present invention, specific embodiments have been described, but various modifications are possible without departing from the scope of the present invention. Therefore, the scope of the present invention should not be limited to the described embodiments, but should be defined not only by the scope of the following claims, but also by the equivalents of the claims.

Claims (19)

A first method of preparing a bill and transmitting the request for payment to the payment server through an directional short-range communication module together with a request for approval signal and receiving an approval response signal from the second mobile communication terminal. A mobile communication terminal; A second mobile communication terminal which transmits an approval response signal to the first mobile communication terminal by confirmation when an invoice and an approval request signal are received from the first mobile communication terminal; A payment server for authenticating by confirming user information and approving a payment when there is a payment request signal of the first mobile communication terminal; A mobile communication network forming a communication path between the payment server, the first mobile communication terminal and the second mobile communication terminal; Payment service system using a mobile communication terminal configured to include a.  The method of claim 1, The directional short-range communication module includes at least one of a method including infrared, Bluetooth, Zigbee, WiBro, WiFi, PAN, payment service system using a mobile communication terminal, According to claim 1, The payment service system using the mobile communication terminal, The mobile communication terminal further comprises an authentication server for performing the authentication process according to the user information when the first mobile communication terminal user information and the second mobile communication terminal user information is transmitted to the payment server through the mobile communication network; Payment service system used.  A payment service control method using a mobile communication terminal consisting of a payment server, an authentication server, a first mobile communication terminal, and a second mobile communication terminal mobile communication network, Registering user information with the payment server and receiving a response from the first mobile communication terminal and the second mobile communication terminal; Transmitting, by the first mobile communication terminal, a created bill to be transmitted to the directional second mobile communication terminal and an approval request signal for the created bill; Confirming the received bill by a second mobile communication terminal, preparing an approval for the bill, and transmitting the received bill to the first mobile communication terminal; Checking, by the first mobile communication terminal, the received approval letter and confirming whether it matches the bill; Transmitting the payment processing information to the payment server if the matching is made; And And processing the payment information based on the payment processing information received by the payment server and transmitting the payment result to the second mobile communication terminal. The method of claim 4, wherein The billing method is a payment service control method using a mobile communication terminal, characterized in that included in the invoice document for the claim to be transmitted. The method according to claim 4 or 5, The payment server is a payment service control method using a mobile communication terminal further comprises the step of transmitting a payment result to the first mobile communication terminal. The method of claim 6, The billing and approval confirmation is a payment service control method using a mobile communication terminal, characterized in that the process consisting of the integrity check, validity check. The method of claim 7, wherein The payment processing information is a payment service control method using a mobile terminal, characterized in that the approval information and bill information. Communication is carried out through a mobile communication network and a mobile communication terminal for performing a payment through the mobile communication network, A wireless processor for transmitting and receiving a signal through the mobile communication network; A near field communication module unit for receiving a bill and an approval request signal for the same from an external mobile communication terminal and transmitting an approval response signal to the approval request signal; An approval letter generation unit generating an approval letter including the approval response signal; A display unit for outputting the received bill and approval request signal and the approval document; A memory unit which stores the result output to the display unit; And And a controller for controlling the transmission / reception signal received through the mobile communication network and the received bill and approval. The method of claim 9, The mobile communication terminal further comprises a bill generating unit for generating a bill to be transmitted to an external mobile communication terminal, wherein the directional short-range communication module unit transmits the generated bill to the external mobile communication terminal, the control unit And control the bill to be transmitted to an external mobile communication terminal. The method according to claim 9 or 10, The mobile communication terminal further comprises an authentication unit for user authentication. The method of claim 11, And a verification code according to the user authentication is stored in the memory unit. The method of claim 12, The memory unit stores card information together with a user authentication code, and a specific area in which the user authentication code and the card information are stored allows only limited access from the outside and transmits the card information to an external server through the wireless processing unit. Mobile communication terminal, characterized in that. The method according to claim 9 or 10, The directional short-range communication module unit is one or more of a Bluetooth or ZigBee module. A mobile communication terminal operating method including a wireless processing unit, an authorization generating unit, a display unit, and a directional short-range communication module unit includes: Registering mobile terminal user information with an external server through the wireless processor and receiving a response thereto; Receiving a bill and an approval request signal from an external mobile communication terminal through the directional short-range communication module; Confirming the received bill and generating an approval in the approval generator when a user command for an approval request signal is input; Transmitting the generated certificate to the external mobile communication terminal through the directional short-range wireless module unit; And And after the transmission, receiving a payment result from the external server through the wireless processing unit. The method of claim 15, And transmitting the generated approval to the external mobile communication terminal through the directional short-range wireless module unit, wherein the external mobile communication terminal transmits payment processing information to the external server. Way. The method of claim 16, And when the user information is registered, performing an authentication process according to the user information. The method according to any one of claims 15 to 17, The bill check is an integrity check and a validity check, wherein the user command input after the bill check is a payment or rejection command for the bill characterized in that the mobile communication terminal operating method. The method of claim 18, The payment result is received by SMS, MMS or e-mail method of operating a mobile terminal.

Images