KR20080052793A - System for processing mobile payment for affiliated stores(or franchises) - Google Patents

Abstract

A system for processing mobile payment of a member shop is provided to make a mobile work-site VM(Virtual Machine) dedicated for the member shop and install the VM to a customer mobile terminal of a member shop, thereby increasing invitation of enterprise customers and the number of mobile banking users. A program provider provides a customized mobile payment program including a customized service function requested from a member shop and a mobile payment function to a mobile terminal of customers of the member shop. A customized service processor(1135) provides a customized service by linking with the customized mobile payment program installed in the customer mobile terminal. A payment processor(1120) provides a mobile payment service by linking with the customized mobile payment program installed in the customer mobile terminal. A mobile terminal recognizer recognizes that the customer mobile terminal enters the member shop by checking mobile channel information between the customer mobile terminal and the mobile network through a small relay linked with the mobile network connected to the customer mobile terminal. An information transmitter transmits a message for operating the customized mobile payment program installed in the customer mobile terminal.

Description

System for Processing Mobile Payment for Affiliated Stores (or Franchises)}

1 is a diagram illustrating an information registration system for providing a wireless payment service for a merchant exclusive (or franchise) according to an embodiment of the present invention.

FIG. 2 is a diagram illustrating an information registration process for providing a wireless payment service customized for a merchant (or franchise) according to an embodiment of the present invention.

3 is a diagram illustrating a program providing system configuration for remotely loading and downloading a wireless payment program for providing a customer-specific wireless payment service exclusively for a merchant (or franchise) to a customer wireless terminal according to an exemplary embodiment of the present invention.

4 is a diagram illustrating a process of downloading and remotely mounting a wireless payment program for providing a customer-specific wireless payment service exclusively for the affiliated store (or franchise) to a customer wireless terminal according to an exemplary embodiment of the present invention.

5 is a diagram illustrating a program providing system configuration for remotely loading and downloading a wireless payment program for providing a customer-specific wireless payment service dedicated to a merchant (or franchise) to a customer wireless terminal according to another exemplary embodiment of the present invention.

FIG. 6 is a diagram illustrating a process of downloading and remotely mounting a wireless payment program for providing a customer-specific wireless payment service exclusively to the affiliated store (or franchise) according to another embodiment of the present invention.

7 is a diagram illustrating a wireless terminal function configuration for providing a wireless payment service and a customized service to a customer according to an embodiment of the present invention.

8 is a diagram illustrating a customer wireless terminal recognition and affiliated store authentication process using short-range communication according to an embodiment of the present invention.

9 is a diagram illustrating a customer wireless terminal recognition and affiliate store authentication process using short-range communication according to another embodiment of the present invention.

10 is a diagram illustrating a customer wireless terminal recognition and affiliate store authentication process using a small repeater according to another embodiment of the present invention.

11 is a diagram illustrating a configuration of a wireless payment service for a customer and a wireless payment service for a customer, according to an embodiment of the present invention.

12A and 12B illustrate a wireless payment process for a customer according to an embodiment of the present invention.

13A and 13B illustrate a wireless payment process for a customer according to another exemplary embodiment of the present invention.

14 is a process for providing a personalized service through a wireless payment program according to an embodiment of the present invention.

15A and 15B illustrate a process of providing a personalized service through a wireless payment program according to another exemplary embodiment of the present invention.

FIG. 16 is a diagram illustrating a configuration of a customer-specific wireless payment system for providing a customer-specific wireless payment service and a personalized service according to another exemplary embodiment of the present invention.

17A and 17B illustrate a wireless payment process for a customer according to an exemplary embodiment of the present invention.

18A and 18B illustrate a wireless payment process for a customer according to another exemplary embodiment of the present invention.

19 illustrates a process of providing a personalized service through a wireless payment program according to an embodiment of the present invention.

20A and 20B illustrate a process of providing a personalized service through a wireless payment program according to another exemplary embodiment of the present invention.

<Description of main parts of drawing>

100: information registration server 105: interface unit

110: interface providing unit 115: information receiving unit

120: information storage unit 125: program production information D / B

130: merchant terminal

According to the present invention, after making a merchant mobile customized Work-Site VM according to a merchant (or franchise) request, and providing the affiliated mobile phone to the corresponding merchant customer, the merchant to increase the rate of attracting corporate customers and increasing the number of customers using our mobile banking ( Or a franchisor) dedicated wireless payment processing system.

With the development of information and communication technology and the expansion of related infrastructure, various types of wireless application services are provided using a wireless communication network and a wireless terminal. However, since the wireless application service is based on paid communication, unlike a conventional wired application service, a profit model is provided. It is not activated in this uncertain field.

One of the areas in which the wireless application service is not activated is a merchant (or franchise) related wireless application service. Although the wireless application service has an advantage of providing mobility, it is possible to provide a limited wireless interface based on paid communication. There is no cost and efficiency advantage in providing merchant (or franchise) related wireless application services.

An object of the present invention for solving the above problems, by producing a merchant mobile customized Work-Site VM according to the merchant (or franchise) request, by providing to the merchant customer mobile phone, increase the corporate customer acquisition rate, our mobile banking The present invention provides an exclusive wireless payment processing system for franchisees (or franchisors) to increase the number of customers.

Merchant (or franchisor) dedicated wireless payment processing system according to the present invention, a predetermined customer-specific wireless payment program including a wireless payment function and at least one customer-customized service requested by a predetermined merchant (or franchisor) the merchant ( Or a franchise) a program providing means provided to a customer wireless terminal and at least one customized service requested by the affiliated store (or franchisor) in connection with a custom wireless payment program provided in the customer wireless terminal. Means and the wireless payment providing means for providing at least one or more wireless payment service in connection with a customized wireless payment program provided in the customer wireless terminal.

According to the present invention, the merchant (or franchisor) dedicated wireless payment processing system, the wireless channel information between the customer wireless terminal and the predetermined wireless communication network via a predetermined small repeater connected to the wireless communication network connected to the customer wireless terminal. Wireless terminal recognition means for recognizing that the customer wireless terminal has entered the affiliated store (or franchise) store and message information for driving a customer-type wireless payment program provided in the customer wireless terminal through the wireless communication network. Characterized in that it further comprises an information transmitting means for transmitting.

According to the present invention, the merchant (or franchise) dedicated wireless payment processing system, the wireless terminal for recognizing that the customer wireless terminal has entered the merchant (or franchise) store through the short-range communication means provided in the customer wireless terminal. It characterized in that it further comprises an information transmission means for transmitting the message information for driving the customer-specific wireless payment program provided in the customer wireless terminal via the recognition means and the short-range communication means.

According to the present invention, the customer-customized service providing means is provided in a financial company that provides the wireless payment service, or is provided in the affiliated store (or franchise) that requested the customer-customized service.

Hereinafter, with reference to the accompanying drawings and description will be described in detail the operating principle of the preferred embodiment of the present invention. However, the drawings and the following description shown below are for the preferred method among various methods for effectively explaining the features of the present invention, the present invention is not limited only to the drawings and description below. In addition, in the following description of the present invention, if it is determined that a detailed description of a related known function or configuration may unnecessarily obscure the subject matter of the present invention, the detailed description thereof will be omitted. Terms to be described later are terms defined in consideration of functions in the present invention, which may vary according to intentions or customs of users or operators. Therefore, the definition should be made based on the contents throughout the present invention.

In addition, preferred embodiments of the present invention to be carried out below are provided in each system functional configuration to efficiently describe the technical components constituting the present invention, or system functions that are commonly provided in the technical field to which the present invention belongs. The configuration will be omitted, and described mainly on the functional configuration to be additionally provided for the present invention. If those skilled in the art to which the present invention pertains, it will be able to easily understand the function of the components that are conventionally used among the omitted functional configuration not shown below, and also the configuration omitted as described above The relationship between the elements and the components added for the present invention will also be clearly understood.

In addition, the following examples will be used to appropriately modify the terms so that those skilled in the art to clearly understand the technical features of the present invention to effectively understand, but the present invention It is by no means limited.

As a result, the technical spirit of the present invention is determined by the claims, and the following examples are one means for efficiently explaining the technical spirit of the present invention to those skilled in the art to which the present invention pertains. It is only.

1 is a diagram illustrating an information registration system for providing a wireless payment service for a merchant exclusive (or franchise) according to an embodiment of the present invention.

In more detail, Figure 1 is a predetermined relationship for providing business cooperation and information between the merchant (or franchise) and the financial institution that provides the customer-specific wireless payment service for providing the customer-specific wireless payment service dedicated to the merchant (or franchise). When the affiliated store terminal 130 accesses a server on the wireless banking system through a predetermined network means and provides wireless payment function information and customized menu information, the server and the wireless payment function information provided from the affiliated store terminal 130 are provided. The information registration system configuration for storing and processing the customized menu information in conjunction with the program production information D / B (125) provided on the wireless banking system, if the person skilled in the art Refer to and / or modify this drawing to dedicate the merchant (or franchise) Would be able to infer a variety of exemplary methods for the information registration system for a customer tailored wireless payment services, the present invention includes all embodiments how the inference, shall not be limited to the exemplary method shown in the figure 1.

Hereinafter, at least one or more means for storing the wireless payment function information and the customized menu information provided from the affiliated store terminal 130 in the program production information D / B (125) on the information registration system shown in FIG. The component corresponding to the functional configuration is called "information registration server 100" for convenience.

Referring to FIG. 1 according to an embodiment of the present invention, an information registration system for providing a wireless payment service dedicated to an affiliate store (or franchise) according to the present invention includes at least one affiliated store terminal 130 connected to a predetermined network means. ), The program production information D / B 125 for storing the wireless payment function information transmitted from the affiliated store terminal 130 and the customized menu information in association with each other, and the affiliated store terminal 130 and predetermined network means. And an information registration server 100 which receives the wireless payment function information and the customized menu information transmitted through the network means and processes the information related to the program production information D / B 125 and stores the information. It features.

The affiliated store terminal 130 is a wired communication network based on Transmission Control Protocol / Internet Protocol (TCP / IP) (eg, Asymmetric Digital Subscriber Line (ADSL) / Very High-data Rate Digital Subscriber Line (VDSL) and / or cable communication network). A mobile communication network (or HSDPA) based on at least one wired terminal including at least one wired terminal including a desktop computer and / or a laptop connected to the information registration server 100 and / or a code division multiple access (CDMA) system. A mobile communication terminal connected to a High Speed Downlink Packet Access (Mobile Speed Network) -based mobile communication network, and / or a mobile Internet terminal connected to an IEEE 802.16x-based high-speed wireless Internet, and / or an IEEE 802.11x-based wireless LAN network. Characterized in that it comprises at least one or more wireless terminals including at least one WLAN terminal, the merchant terminal 130 is A function for outputting at least one or more information registration interface screens provided by the information registration server 100, and inputting and / or selecting at least one or more information through the information registration interface screen to transmit the information registration server 100 to the information registration server 100. It is desirable to have a configuration (e.g., a browser program and a communication function).

Those skilled in the art to which the present invention pertains will be able to easily infer the characteristics of the merchant terminal 130 corresponding to at least one or more wired terminal and / or wireless terminal, detailed description thereof Omit for convenience.

When the affiliated store terminal 130 is a wired terminal according to an embodiment of the present invention, the network means includes the TCP / IP-based wired communication network, and when the affiliated store terminal 130 is a wireless terminal, The network means preferably comprises at least one of the CDMA based (or HSDPA based) mobile communication network, and / or IEEE 802.16x based high speed wireless Internet, and / or IEEE 802.11x based wireless LAN communication network. .

The program production information D / B 125 provided on the wireless banking system according to the present invention is characterized by storing the wireless payment function information transmitted from the affiliated store terminal 130 and the customized menu information in association. .

Herein, the wireless payment function information may include at least one requesting that the affiliated store (or franchise) is provided in a predetermined wireless payment program installed in the customer wireless terminal in order to provide a customized wireless payment service to at least one or more customers. It characterized in that it comprises at least one or more information defining a non-face-to-face wireless banking-based wireless payment function.

According to an embodiment of the present invention, the wireless payment function information is a wire transfer payment function based on the customer financial account through the wireless payment program mounted on the customer wireless terminal for the customer customized wireless payment service, or the Check card payment function through a check card payment method linked to a customer financial account, or debit card payment function through a debit card payment method linked to the customer financial account, or credit card payment using the customer financial account as a settlement account It is preferred to include at least one credit card payment function through the means.

The customized menu information may include at least one customized service that the affiliated store (or franchise) intends to provide to the customer through a wireless payment program installed in the customer wireless terminal with the wireless payment function information. Characterized in that it comprises at least one or more information.

According to an embodiment of the present invention, the customized menu information is a coupon providing service menu provided to the customer through the wireless payment program mounted on the customer wireless terminal for the customized wireless payment service, parking ticket providing menu, and It is preferable to include customized service menu information such as a customer service menu according to the business characteristics of each affiliated store (or franchise).

The wireless payment function information and the customized menu information, which are stored in connection with the program production information D / B 125 through the information registration system shown in FIG. 1, correspond to the wireless payment function information to the customer. A predetermined wireless payment program to be provided to the customer wireless terminal by a financial institution (or a program developer affiliated with the financial institution) that provides a customized wireless payment service, and a customer customized to be provided to the financial institution in response to the wireless payment program. Characterized in that it is used to develop a server program (and / or server system).

Here, when a predetermined financial IC chip is provided in the customer wireless terminal, the wireless payment program includes a function of providing a customized wireless payment service corresponding to the wireless payment function information using the financial IC chip. It is possible that the present invention is not limited thereby.

According to the embodiment of the present invention, the information registration server 100 communicates with the affiliated store terminal 130 through the network unit in order to provide a web interface corresponding to the affiliated store terminal 130 and the network means. And an interface unit 105 for connecting and managing channels, whereby the information registration server 100 is connected to the affiliated store terminal 130 via a wired communication network and / or a wireless communication network. It has the function of a server.

According to an exemplary embodiment of the present invention, when the affiliated store terminal 130 is a wired terminal to which a communication channel is connected through a wired communication network based on TCP / IP, the interface unit 105 is connected to the affiliated store terminal 130 and HTTP ( Connect a predetermined communication channel based on a Hyper-Text Transfer Protocol protocol, and through the communication channel information registration interface screen and / or information in the form of a Hyper-Text Markup Language (HTML) compatible document to the merchant terminal 130 It is preferable to perform a function of transmitting and outputting a provision screen and receiving and processing predetermined wireless payment function information and custom menu information input (or selected) through the information registration interface screen from the affiliated store terminal 130. .

According to another exemplary embodiment of the present invention, when the affiliated store terminal 130 is a wireless terminal to which a communication channel is connected through a CDMA based wireless communication network, the interface unit 105 is connected to the affiliated store terminal 130 and a WAP (Wireless). Connect a predetermined communication channel based on the Application Protocol and / or Mobile Explorer (ME) protocol, and the information in the form of WML (Wireless Markup Language) and / or HTML compatible document to the affiliated store terminal 130 through the communication channel. Transmitting and outputting a registration interface screen and / or an information providing screen, and receiving and processing predetermined wireless payment function information and customized menu information corresponding to the information registration interface screen from the affiliated store terminal 130. desirable.

According to another exemplary embodiment of the present invention, when the affiliated store terminal 130 is a wireless terminal to which a communication channel is connected through an IEEE 802.16x based wireless communication network, the interface unit 105 is connected to the affiliated store terminal 130. Connect a predetermined communication channel based on a wireless protocol corresponding to the IEEE 802.16x standard, and transmit and output a predetermined information registration interface screen and / or an information providing screen to the affiliated store terminal 130 through the communication channel. And receiving and processing predetermined wireless payment function information and customized menu information corresponding to the information registration interface screen from the affiliated store terminal 130, and / or the affiliated store terminal 130 is IEEE In the case of a wireless terminal in which a communication channel is connected through an 802.11x based wireless communication network, the interface unit 105 communicates with the affiliated store terminal 130. Connecting a predetermined communication channel based on a wireless protocol corresponding to the IEEE 802.11x standard, transmitting and outputting a predetermined information registration interface screen and / or an information providing screen to the affiliated store terminal 130 through the communication channel; It is preferable to perform a function of receiving and processing predetermined wireless payment function information and customized menu information corresponding to the information registration interface screen from the affiliated store terminal 130.

Referring to FIG. 1, the information registration server 100 is linked with the interface unit 105 when a predetermined merchant terminal 130 accesses the information registration server 100 through the interface unit 105. An interface providing unit 110 for generating (or extracting) a predetermined information registration interface screen for allowing the affiliated store terminal 130 to input (or select) and transmit predetermined wireless payment function information and customized menu information; And an information receiving unit 115 for receiving wireless payment function information and custom menu information inputted (or selected) and transmitted from the affiliated store terminal 130 through the information registration interface screen in association with the interface unit 105. And an information storage unit 120 for storing the received wireless payment function information and the customized menu information in association with the program production information D / B 125. And that is characterized.

The interface providing unit 110 has a functional configuration (eg, affiliated store) provided in the affiliated store terminal 130 when a predetermined affiliated store terminal 130 is connected to the information registration server 100 through the interface unit 105. Predetermined information that can input (or select) predetermined wireless payment function information and customized menu information corresponding to a browser program included in the terminal 130 and transmit the predetermined information to the information registration server 100 through the network means. Create a registration interface screen, and / or extract from a predetermined database (not shown), and the information store interface screen generated (or extracted) in conjunction with the interface unit 105 via the network means through the merchant terminal Characterized in that provided by 130.

Thereafter, the affiliated store terminal 130 inputs (or selects) predetermined wireless payment function information and customized menu information based on the information registration interface screen, and inputs the wireless payment function information and customized menu information (or Is checked), the affiliated store terminal 130 transmits the input (or selected) wireless payment function information and the customized menu information to the information registration server 100 through the network means.

Those skilled in the art to which the present invention pertains, through the at least one form form included in the information registration interface screen in the merchant terminal 130, the wireless payment function information and the customized menu information The technical feature of inputting (or selecting) and the technical feature of transmitting the input (or selection) of the wireless payment function information and the customized menu information to the information registration server 100 through a communication protocol provided by the network means. Since it will be familiar with, detailed description thereof will be omitted for convenience.

The information receiver 115 inputs (or selects) predetermined wireless payment function information and customized menu information through the information registration interface screen in the affiliated store terminal 130 and transmits the same through the network means. And the wireless payment function information and the customized menu information in cooperation with 105, and provide the received wireless payment function information and the customized menu information to the information storage unit 120.

The information storage unit 120 may process the wireless payment function information received through the information receiver 115 and the customized menu information in association with the program storage information D / B 125 and store the same in the program production information D / B 125.

Herein, the wireless payment function information may include at least one requesting that the affiliated store (or franchise) is provided in a predetermined wireless payment program installed in the customer wireless terminal in order to provide a customized wireless payment service to at least one or more customers. It characterized in that it comprises at least one or more information defining a non-face-to-face wireless banking-based wireless payment function.

According to an embodiment of the present invention, the wireless payment function information is a direct debit based payment function based on the customer financial account through the wireless payment program mounted on the customer wireless terminal for the customer-specific wireless payment service. Or a debit card payment function through a check card payment means linked to the customer financial account, or a debit card payment function through a debit card payment means linked to the customer financial account, or using the customer financial account as a settlement account It is preferable to include at least one credit card payment function through a credit card payment means.

The customized menu information may include at least one customized service that the affiliated store (or franchise) intends to provide to the customer through a wireless payment program installed in the customer wireless terminal with the wireless payment function information. Characterized in that it comprises at least one or more information.

According to an embodiment of the present invention, the customized menu information is a coupon providing service menu provided to the customer through the wireless payment program mounted on the customer wireless terminal for the customized wireless payment service, parking ticket providing menu, and It is preferable to include customized service menu information such as a customer service menu according to the business characteristics of each affiliated store (or franchise).

The wireless payment function information and the customized menu information, which are stored in connection with the program production information D / B 125 through the information registration system shown in FIG. 1, correspond to the wireless payment function information to the customer. A predetermined wireless payment program to be provided to the customer wireless terminal by a financial institution (or a program developer affiliated with the financial institution) that provides a customized wireless payment service, and a customer customized to be provided to the financial institution in response to the wireless payment program. Characterized in that it is used to develop a server program (and / or server system).

Here, when a predetermined financial IC chip is provided in the customer wireless terminal, the wireless payment program includes a function of providing a customized wireless payment service corresponding to the wireless payment function information using the financial IC chip. It is possible that the present invention is not limited thereby.

2 is a diagram illustrating an information registration process for providing a wireless payment service for a merchant exclusive (or franchise) according to an embodiment of the present invention.

In more detail, FIG. 2 shows that the affiliated store terminal 130 on the information registration system shown in FIG. 1 provides a wireless payment service dedicated to a merchant (or franchise) to the information registration server 100 through a predetermined network means. In the process of transmitting the wireless payment function information and the customized menu information, the information registration server 100 in the process of storing the wireless payment function information and the customized menu information in the program production information D / B (125) in the process For those of ordinary skill in the art to which the present invention pertains, various implementation methods for the information registration process for providing a customized wireless payment service for merchants (or franchises) by referring to and / or modifying the drawing 2 It may be inferred that, but the present invention includes all the implementation method inferred, the embodiment shown in Figure 2 It shall not be limited only to the law.

Hereinafter, in FIG. 2, the information registration server 100 on the information registration system shown in FIG. 1 will be referred to as "server" for convenience, and the merchant terminal 130 on the information registration system shown in FIG. 1 will be referred to as "terminal" for convenience. It is called.

Referring to FIG. 2, a terminal on the information registration system shown in FIG. 1 connects to a server through the network means and connects a communication channel for providing a customer-specific wireless payment service dedicated to an affiliate store (or a franchise) (200). .

According to an embodiment of the present invention, the communication channel connection process may further include at least one or more steps of logging in to the server from the terminal, and / or joining the server to the server. In the process, affiliated store (or franchise) information corresponding to the terminal is extracted (or obtained).

Those skilled in the art to which the present invention pertains, the terminal is connected to the server according to the communication protocol corresponding to the network means through a predetermined browser program corresponding to the network means to the merchant (or franchise) ) Since you will be familiar with the technical features of connecting a communication channel for providing a dedicated customer-specific wireless payment service, a detailed description thereof will be omitted for convenience.

When the communication channel for providing a merchant (or franchise) dedicated custom wireless payment service is connected between the terminal and the server as described above, the terminal connects the merchant (or franchise) dedicated customer customized wireless payment to the server through the communication channel. Request an information registration interface screen for providing a service (205), and correspondingly, the server includes an information registration interface including a user interface for inputting (or selecting) the wireless payment function information and customized menu information in the terminal. A screen is generated (or extracted) (210) and the generated (or extracted) information registration interface screen is transmitted to the terminal through the communication channel (215).

Thereafter, the terminal inputs (or selects) the wireless payment function information and the customized menu information through the user interface included in the information registration interface screen for inputting (or selecting) the wireless payment function information and the customized menu information. (220).

If the wireless payment function information and the customized menu information are input (or selected) in the terminal (225), the terminal transmits the wireless payment function information and the customized menu information to the server through the communication channel. In response to this, the server associates the received wireless payment function information with the customized menu information and stores the same in the program production information D / B 125 shown in FIG. 1 (235).

Herein, the wireless payment function information may include at least one requesting that the affiliated store (or franchise) is provided in a predetermined wireless payment program installed in the customer wireless terminal in order to provide a customized wireless payment service to at least one or more customers. It characterized in that it comprises at least one or more information defining a non-face-to-face wireless banking-based wireless payment function.

According to an embodiment of the present invention, the wireless payment function information is a direct debit payment function based on the customer financial account through the wireless payment program mounted on the customer wireless terminal for the customer-specific wireless payment service, Or a check card payment function through a check card payment method associated with the customer financial account, or a debit card payment function through a debit card payment method linked with the customer financial account, or credit using the customer financial account as a settlement account It is preferable to include at least one or more credit card payment function through the card payment means.

The customized menu information may include at least one customized service that the affiliated store (or franchise) intends to provide to the customer through a wireless payment program installed in the customer wireless terminal with the wireless payment function information. Characterized in that it comprises at least one or more information.

According to an embodiment of the present invention, the customized menu information is a coupon providing service menu provided to the customer through the wireless payment program mounted on the customer wireless terminal for the customized wireless payment service, parking ticket providing menu, and It is preferable to include customized service menu information such as a customer service menu according to the business characteristics of each affiliated store (or franchise).

The wireless payment function information and the customized menu information, which are stored in connection with the program production information D / B 125 through the information registration system shown in FIG. 1, correspond to the wireless payment function information to the customer. A predetermined wireless payment program to be provided to the customer wireless terminal by a financial institution (or a program developer affiliated with the financial institution) that provides a customized wireless payment service, and a customer customized to be provided to the financial institution in response to the wireless payment program. Characterized in that it is used to develop a server program (and / or server system).

Here, when a predetermined financial IC chip is provided in the customer wireless terminal, the wireless payment program includes a function of providing a customized wireless payment service corresponding to the wireless payment function information using the financial IC chip. It is possible that the present invention is not limited thereby.

3 is a diagram illustrating a program providing system configuration for remotely loading and downloading a wireless payment program for providing a customer-specific wireless payment service exclusively for a merchant (or franchise) to a customer wireless terminal according to an exemplary embodiment of the present invention.

In more detail, Figure 3 is a web server through a predetermined client terminal by a merchant (or franchise) customer to provide a wireless payment service dedicated to the merchant (or franchise) through the information registration system shown in FIG. When the user accesses 300 and the customer wireless terminal information is provided to the customer wireless terminal to download a predetermined wireless payment program for providing a personalized wireless payment service dedicated to a merchant (or franchise) and remotely mount the customer information and the customer wireless terminal information, After verifying the validity of the customer through the customer information in the web server 300, if the customer is authenticated by providing the customer wireless terminal information to a predetermined program providing server 335, the program providing server 335 Customizing the merchant (or franchise) exclusively to the customer wireless terminal Download and remotely install a predetermined wireless payment program for providing a wireless payment service, and provide a program for storing the wireless payment program information and the customer wireless terminal information stored in the customer wireless terminal in a predetermined storage medium by interworking. As a system configuration, those of ordinary skill in the art to which the present invention pertains can refer to and / or modify the drawing 3 to provide the customer wireless terminal with a dedicated wireless payment service for the affiliated store (or franchise). Although various implementation methods of downloading a predetermined wireless payment program for remote mounting may be inferred, the present invention includes all the inferred implementation methods and is not limited by the implementation method shown in FIG.

For example, a person having ordinary knowledge in the technical field to which the present invention belongs may refer to and / or modify the drawing 3 in a financial IC chip (for example, in a financial institution that provides the wireless banking service). Provided with a provided financial IC chip, or a financial IC chip supporting multi-domain), the customer wireless terminal provides and mounts a wireless payment program for providing the financial IC chip-based wireless banking service, and the financial IC chip. Although it is possible to infer an implementation method of providing predetermined wireless banking information to be recorded on a chip and recording it on the financial IC chip, the present invention includes all the inferred implementation methods, and the implementation method shown in FIG. It is not limited by.

Hereinafter, in FIG. 3, a server that downloads and remotely mounts the wireless payment program for providing the affiliated customer (or franchise) dedicated customer customized wireless payment service to the customer wireless terminal is referred to as a "program providing server 335" for convenience. The customer receives the customer information and the customer wireless terminal information for downloading the wireless payment program for providing the merchant (or franchise) dedicated customer customized wireless payment service from a predetermined client terminal to authenticate the customer by authenticating the customer. A server that provides wireless terminal information to the program providing server 335 is referred to as "web server 300" for convenience.

Referring to FIG. 3 according to an embodiment of the present invention, the program providing system connects to the web server 300 through a predetermined network means and provides a customer-specific wireless payment service dedicated to an affiliate store (or franchise) to the customer wireless terminal. A client terminal providing the customer information and the customer wireless terminal information for downloading and remotely mounting a predetermined wireless payment program for the client; and connecting the client terminal through a predetermined network means to the customer through the received customer information. After authenticating the validity of the customer through the information, if the validity of the customer is authenticated, and the web server 300 for providing the customer wireless terminal information to the predetermined program providing server 335 through a predetermined communication means and Is connected to the web server 300 through a predetermined communication means to the customer wireless terminal information A program for providing a predetermined wireless payment program for providing a personalized wireless payment service dedicated to the affiliate store (or franchise) to the customer wireless terminal through a predetermined wireless communication network based on the received customer wireless terminal information. Downloading a predetermined wireless payment program for providing a customer-specific wireless payment service dedicated to the affiliated store (or franchise) from the server 335 and the program providing server 335 through the wireless communication network to record on a predetermined recording medium. Characterized in that it comprises a customer wireless terminal.

The predetermined client terminal used by the customer to access the web server 300 is a wired network based on Transmission Control Protocol / Internet Protocol (TCP / IP) (eg, an Asymmetric Digital Subscriber Line (ADSL) / VDSL (Very High- and at least one wired terminal including a desktop computer and / or a laptop connected to the program providing server 335 through a data rate digital subscriber line) and / or a cable communication network. According to the intention, the client terminal is a mobile communication terminal connected to a code division multiple access (CDMA) based mobile communication network (or a high speed downlink packet access (HSDPA) based mobile communication network), and / or IEEE 802.16x based high speed wireless Internet. At least a wireless Internet terminal connected to a wireless Internet terminal, and / or a wireless LAN terminal connected to an IEEE 802.11x-based wireless LAN network. A wireless terminal, including or at least can be made including at least one.

According to an embodiment of the present invention, the client terminal connects to the web server 300 through a predetermined network means (eg, a wired network and / or a wireless network) and provides at least one or more provided by the web server 300. A function for outputting an interface screen, inputting and / or selecting predetermined customer information and customer wireless terminal information for downloading and remotely mounting the wireless payment program through the interface screen and transmitting the same to the web server 300. It is desirable to have a configuration (e.g., a browser program and a communication function).

Those skilled in the art to which the present invention pertains can easily infer the characteristics of the client terminal corresponding to at least one or more wired terminals and / or wireless terminals, and thus the detailed description thereof is omitted for convenience. .

According to the present invention, the web server 300 is a web interface unit for connecting and managing a predetermined communication channel with the client terminal through the network means to provide a web interface corresponding to the client terminal and the network means ( 305), whereby the web server 300 has a function of a web server 300 that is communicatively connected to the client terminal through a wired network and / or a wireless network.

According to an embodiment of the present invention, when the client terminal is a wired terminal to which a communication channel is connected through a TCP / IP-based wired network, the web interface unit 305 may connect to the client terminal with HTTP (Hyper-Text Transfer Protocol). Connect a predetermined communication channel based on a protocol, and transmit and output an interface screen and / or an information providing screen in the form of a Hyper-Text Markup Language (HTML) compatible document to the client terminal through the communication channel, It is preferable to perform a function of receiving and processing predetermined customer information and customer wireless terminal information input (or selected) from the terminal through the interface screen.

According to another exemplary embodiment of the present invention, when the client terminal is a wireless terminal to which a communication channel is connected through a CDMA-based wireless network, the web interface unit 305 may connect to the client terminal and a WAP (Wireless Application Protocol) and / or the like. Or connecting a predetermined communication channel based on a ME (Mobile Explorer) protocol, and providing an interface screen and / or an information providing screen in the form of a WML (Wireless Markup Language) and / or HTML compatible document to the client terminal through the communication channel. It is preferable to perform a function of transmitting and outputting and receiving and processing predetermined customer information and customer wireless terminal information corresponding to the interface screen from the client terminal.

According to another exemplary embodiment of the present invention, when the client terminal is a wireless terminal to which a communication channel is connected through an IEEE 802.16x based wireless network, the web interface unit 305 may be configured with the client terminal and the IEEE 802.16x standard. Connects a predetermined communication channel based on a wireless protocol corresponding to the present invention, transmits and outputs a predetermined interface screen and / or information providing screen to the client terminal through the communication channel, and corresponds to the interface screen from the client terminal. It is preferable to perform a function of receiving and processing predetermined customer information and customer wireless terminal information, and / or when the client terminal is a wireless terminal to which a communication channel is connected through an IEEE 802.11x based wireless network, The interface unit 305 is the client terminal and the IEEE 802.11x standard Connecting a predetermined communication channel based on a corresponding wireless protocol, transmitting and outputting a predetermined interface screen and / or information providing screen to the client terminal through the communication channel, and corresponding to the interface screen from the client terminal; It is preferable to perform a function of receiving and processing predetermined customer information and customer wireless terminal information.

According to the present invention, when the predetermined client terminal accesses the web server 300 through the web interface unit 305, the web server 300 interoperates with the web interface unit 305 in the client terminal. And an interface providing unit 310 for generating (or extracting) a predetermined interface screen for inputting (or selecting) and transmitting predetermined customer information and customer wireless terminal information.

The interface providing unit 310, when a predetermined client terminal is connected to the web server 300 through the web interface unit 305, the functional configuration provided in the client terminal (for example, a browser program provided in the client terminal) A predetermined interface screen capable of inputting (or selecting) predetermined customer information and customer wireless terminal information to be transmitted to the web server 300 through the network means, and / or a predetermined database ( And extract the interface screen generated (or extracted) in association with the web interface unit 305 to the client terminal through the network means.

Thereafter, the client terminal inputs (or selects) predetermined customer information and customer wireless terminal information based on the interface screen, and transmits the input (or selected) customer information and customer wireless terminal information through the network means. Send to the web server (300).

According to the present invention, the web server 300 includes an information receiver 315 for receiving the customer information and the customer wireless terminal information transmitted from the client terminal, and the customer information received through the information receiver 315; A customer authentication unit 320 for comparing the customer information provided in the predetermined customer information D / B 330 to authenticate the customer validity based on the customer information, and when the validity of the customer is authenticated, the information receiving unit And an information providing unit 325 which provides the customer wireless terminal information received through 315 to the program providing server 335 through a predetermined communication means.

When the client terminal inputs (or selects) predetermined customer information and customer wireless terminal information based on the interface screen, the information receiving unit 315 receives the customer information and customer wireless terminal information through the network means. It characterized in that, and provides the received customer information to the customer authentication unit 320.

Through the information registration system shown in FIG. 1, the web server 300 includes a customer information D / B 330 for storing predetermined affiliate store information (or franchise information) and at least one customer information (or customer information). D / B 330, the customer information received from the client terminal through the information receiving unit 315 is matched with at least one or more customer information provided in the customer information D / B (330) It is preferable to include authentication information.

In addition, the customer wireless terminal information received from the client terminal through the information receiving unit 315, preferably comprises at least one or more identification number (or phone number) and / or network address of the customer wireless terminal.

The customer radio terminal information may further include radio communication company information (or radio communication network information) corresponding to the radio communication network to which the customer radio terminal is connected.

The customer wireless terminal information may further include manufacturer information and / or wireless terminal model (or model) information for the customer wireless terminal.

The customer wireless terminal information may include platform information provided in the customer wireless terminal (eg, when the customer wireless terminal is a mobile communication terminal, at least one or more wireless internet platform for interoperability (WIPI) included in the wireless terminal). Information, BREW information, GVM / SKVM information, etc.) and / or operating system information.

In addition, when a predetermined financial IC chip (for example, a financial IC chip provided by a financial institution that provides the wireless banking service, or a financial IC chip that supports multi-domains) is provided in the customer wireless terminal, the customer wireless terminal is provided. The information may further include the financial IC chip information.

In particular, the wireless carrier information (or wireless communication network information), the manufacturer information and / or radio terminal model (or model) information, the platform information and / or operating system information, and / or financial IC of the customer wireless terminal information Chip information and the like may be provided directly to the program providing server 335 through a predetermined program providing interface screen in the customer wireless terminal in the process of accessing the program providing server 335, thereby The present invention is not limited.

The customer authentication unit 320 inquires (or at least one or more pieces of customer information matching the customer information in the customer information D / B 330 by using the customer information received through the information receiving unit 315 as a keyword) Performing a validity authentication procedure for checking whether the customer accessing the web server 300 through the client terminal is the customer by comparing and authenticating the customer information with the inquiry (or searched) customer information. It is characterized by.

According to an exemplary embodiment of the present invention, the interface providing unit 310 matches predetermined merchant information (or franchise information) stored in the customer information D / B 330 on an interface screen provided to the client terminal. It is possible to further provide a user interface for inputting (or selecting) franchise information. In this case, the information receiving unit 315 may provide the customer information D / B 330 to the customer information and the customer wireless terminal information. It is possible to further receive a predetermined merchant information (or franchise information) matching the merchant information (or franchise information) stored in the), whereby the customer authentication unit 320 is the merchant information (or franchise information) Through the affiliated store information (or franchise information) corresponding to the customer information can be confirmed.

When the customer is verified as the customer as a result of the authentication of the customer authentication unit 320, when the validity of the customer is authenticated through the customer information, the information providing unit 325 receives the client through the information receiving unit 315. And providing the customer wireless terminal information received from the terminal to the program providing server 335 through a predetermined communication means, after which the program providing server 335 transmits the customer wireless terminal information through the customer wireless terminal information. It provides a predetermined wireless payment program for providing a customer-specific wireless payment service dedicated to the merchant (or franchise) to the terminal.

The customer wireless terminal is connected to a mobile communication terminal connected to a code division multiple access (CDMA) based mobile communication network (or a high speed downlink packet access (HSDPA) based mobile communication network), and / or an IEEE 802.16x based high speed wireless Internet. And at least one wireless terminal including at least one portable internet terminal and / or at least one wireless LAN terminal connected to an IEEE 802.11x based wireless LAN communication network, wherein the customer wireless terminal provides the program. It is preferable that a function configuration (eg, a browser program and a communication function) is provided for outputting at least one or more interface screens provided by the server 335, and downloading and remotely mounting the wireless payment program based on the interface screens. Do.

Those skilled in the art to which the present invention pertains will be able to easily infer the features of the customer wireless terminal corresponding to at least one or more wireless terminals, so a detailed description thereof will be omitted for convenience.

According to an embodiment of the present invention, the wireless communication network is a CDMA / HSDPA-based mobile communication network, and / or IEEE 802.16x-based high-speed wireless Internet, and / or IEEE 802.11x based on a wireless communication network connected to the customer wireless terminal. At least one WLAN network is preferably included.

According to the present invention, the program providing server 335 connects and manages a predetermined communication channel with the customer wireless terminal through the wireless communication network to provide a program providing interface corresponding to the customer wireless terminal and the wireless communication network. It characterized in that it comprises an interface unit 350, whereby the program providing server 335 is connected to the customer wireless terminal via a predetermined wireless communication network.

According to an exemplary embodiment of the present invention, when the customer wireless terminal is a wireless terminal to which a communication channel is connected through a CDMA-based wireless network, the interface unit 350 may communicate with the customer wireless terminal and WAP (Wireless Application Protocol) and / or the like. Alternatively, a predetermined communication channel is connected based on a ME (Mobile Explorer) protocol, and the program providing interface screen in the form of a WML (Wireless Markup Language) and / or HTML compatible document is output to the customer wireless terminal through the communication channel. In addition, it is preferable to perform a communication channel maintenance and management function for remotely downloading a predetermined wireless payment program to the customer wireless terminal through the program providing interface screen.

According to another exemplary embodiment of the present invention, when the customer wireless terminal is a wireless terminal to which a communication channel is connected through an IEEE 802.16x based wireless network, the interface unit 350 may include the customer wireless terminal and the IEEE 802.16x standard. Connect a predetermined communication channel based on a wireless protocol corresponding to the present invention, transmit and output a predetermined program providing interface screen to the customer wireless terminal through the communication channel, and output to the customer wireless terminal through the program providing interface screen. It is preferable to perform a communication channel maintenance and management function for remotely downloading a predetermined wireless payment program, and / or the customer wireless terminal is a wireless terminal to which a communication channel is connected through an IEEE 802.11x based wireless network. In this case, the interface unit 350 is the customer wireless terminal and the IEEE 802.11x A predetermined communication channel is connected based on a wireless protocol corresponding to each other, and a predetermined program providing interface screen is transmitted to the customer wireless terminal through the communication channel and outputted, and the customer wireless terminal is connected through the program providing interface screen. It is preferable to perform a communication channel maintenance and management function for remotely downloading a predetermined wireless payment program.

According to the present invention, the program providing server 335 is connected to the interface unit 350 when a predetermined customer wireless terminal is connected to the program providing server 335 through the interface unit 350, the customer wireless And an interface providing unit 310 for generating (or extracting) a predetermined program providing interface screen for downloading and remotely mounting a predetermined wireless payment program to the terminal.

The interface providing unit 310 has a functional configuration (for example, provided in the customer wireless terminal) provided in the customer wireless terminal, when a predetermined customer wireless terminal is connected to the program providing server 335 through the interface unit 350. A predetermined program providing interface screen for downloading and remotely mounting a predetermined wireless payment program to the customer wireless terminal in response to a browser program), and / or extracting from a predetermined database (not shown). The program providing interface screen generated (or extracted) in association with the interface unit 350 may be provided to the customer wireless terminal through the wireless communication network.

Thereafter, the customer wireless terminal inputs (or selects) program request information for requesting to provide a predetermined wireless payment program to the program providing server 335 based on the program providing interface screen, and through the program providing interface screen. When the program request information is input (or selected), the customer wireless terminal provides the input (or selected) program request information to the program providing server 335, and correspondingly, the program providing server 335 Provide a predetermined wireless payment program to remotely mount.

According to an embodiment of the present invention, after wireless payment function information and custom menu information are registered from the affiliated store (or franchise) through the information registration system shown in FIG. 1 and registered in the program production information D / B, A financial institution (or a program developer affiliated with the financial institution) that provides a wireless payment service corresponding to the wireless payment function information to the customer may develop (or manufacture) a predetermined wireless payment program to be provided to the customer wireless terminal. It is preferable to store in the wireless payment program D / B provided in the program providing server 335 (or associated with the program providing server 335).

According to the present invention, the program providing server 335 is a wireless payment program D / B for storing at least one or more wireless payment program source and / or wireless payment program file to be provided to the customer wireless terminal, and the wireless payment program D And a program providing unit 355 which extracts and / or dynamically generates a predetermined wireless payment program corresponding to the customer wireless terminal information from / B and provides the wireless payment program to the customer wireless terminal through the interface unit 350. It is characterized by.

According to one embodiment of the present invention, the wireless payment program D / B is characterized in that for storing a predetermined wireless payment program file that can operate in the operating system (and / or terminal platform) provided in the customer wireless terminal When the customer wireless terminal information is received from the web server 300 and / or predetermined program request information is received from the customer wireless terminal, the program providing unit 355 transmits the wireless payment program D / B. And extracting a predetermined wireless payment program file matched with the customer wireless terminal information.

According to another exemplary embodiment of the present invention, the wireless payment program D / B stores a predetermined wireless payment program source capable of operating in an operating system (and / or terminal platform) provided in the customer wireless terminal. If the customer wireless terminal information is received from the web server 300 and / or predetermined program request information is received from the customer wireless terminal, the program providing unit 355 may transmit the wireless payment program D /. Extracting a predetermined wireless payment program source matched with the customer wireless terminal information from B, and compiling the extracted wireless payment program source to dynamically generate a predetermined wireless payment program to be provided to the customer wireless terminal. It features.

Thereafter, the program providing unit 355 provides the wireless payment program extracted (and / or dynamically generated) in conjunction with the interface unit 350 to the customer wireless terminal through the wireless communication network to remotely mount the present program. Those skilled in the art will be familiar with the method of remotely mounting the wireless payment program (for example, the method of remotely mounting the customer wireless terminal with a program provider certificate). Detailed description is omitted for convenience.

When the wireless payment program is downloaded and remotely mounted to the customer wireless terminal as described above, the customer wireless terminal initiates the wireless payment program diagnosis mode for authenticating the validity of the wireless payment program by first executing the wireless payment program. It is preferable (or can be omitted according to the intention of those skilled in the art), and for this purpose, the program providing server 335 is configured to diagnose the validity of the wireless payment program in cooperation with the wireless payment program provided in the customer wireless terminal. It is characterized by comprising a diagnostic unit 360.

According to the embodiment of the present invention, the wireless payment program diagnosis mode includes checking whether the wireless payment program provided and mounted to the customer wireless terminal through the program provider 355 operates normally in the customer wireless terminal. Preferably, the wireless payment program diagnosis mode as described above, when the wireless network is completely open, the program providing server 335 for checking the validity of the wireless payment program provided in the customer wireless terminal Provide means.

For example, the wireless payment program diagnosis mode transmits predetermined information to be provided to the diagnosis unit 360 through the wireless communication network when the wireless payment program is normally driven in the customer wireless terminal. In step 360, it is preferable to include a process of confirming whether the reserved information is normally received from the customer wireless terminal.

Alternatively, the wireless payment program diagnostic mode may emulate whether the wireless payment function corresponding to the wireless payment function information registered by the diagnosis unit 360 through the information registration system shown in FIG. 1 operates normally in the wireless payment program. It is preferred to include a process to.

According to an embodiment of the present invention, the diagnosis unit 360 has a wireless payment function corresponding to the wireless payment function information registered through the information registration system shown in FIG. 1 in connection with a predetermined wireless banking server. It is desirable to emulate whether it works in a payment program.

Alternatively, the wireless payment program diagnostic mode emulates whether the customized service function corresponding to the customized menu information registered by the diagnosis unit 360 through the information registration system shown in FIG. 1 operates normally in the wireless payment program. It is preferable to include the process of rating.

According to an embodiment of the present invention, the diagnosis unit 360 has a customized service function corresponding to the customized menu information registered through the information registration system shown in FIG. 1 in connection with a predetermined customized server. It is desirable to emulate the normal operation of the wireless payment program.

According to the present invention, the program providing server 335 is stored in the predetermined program information D / B 370 by processing the wireless payment program information and the customer wireless terminal information that is downloaded and remotely mounted to the customer wireless terminal It is characterized by comprising an information storage unit 365 to.

According to an embodiment of the present invention, if the validity of the wireless payment program is confirmed by the diagnosis unit 360, the information storage unit 365 is downloaded to the customer wireless terminal and the wireless payment program information remotely mounted. And cooperatively processing the customer wireless terminal information and storing the cooperative process in a predetermined program information D / B 370, and then storing the wireless payment program information and the customer wireless information stored in the program information D / B 370. The terminal information is used to maintain and repair the wireless payment program provided in the customer wireless terminal, and / or to upgrade a new wireless payment program to the customer wireless terminal.

4 is a diagram illustrating a process of downloading and remotely mounting a wireless payment program for providing a customer-specific wireless payment service exclusively for the affiliated store (or franchise) to a customer wireless terminal according to an exemplary embodiment of the present invention.

In more detail, FIG. 4 illustrates a predetermined wireless service for providing a customer-specific wireless payment service dedicated to the affiliate store (or franchise) from the program providing server 335 to the customer wireless terminal through the program providing system configuration shown in FIG. 3. As a process of downloading and remotely installing a payment program, those of ordinary skill in the art to which the present invention pertains refer to and / or modify the drawing 4 to dedicate the merchant (or franchise) to the customer wireless terminal. Although various implementation methods for downloading and remotely mounting a predetermined wireless payment program for providing a customized wireless payment service may be inferred, the present invention includes all the inferred implementation methods, and the implementation method illustrated in FIG. It is not limited by.

For example, a person having ordinary knowledge in the technical field to which the present invention belongs may refer to and / or modify this drawing 4 in a financial IC chip (for example, in a financial institution that provides the wireless banking service). Provided with a provided financial IC chip, or a financial IC chip supporting multi-domain), provides and mounts a wireless payment program for providing the financial IC chip-based wireless banking service to the customer wireless terminal, and also installs the financial IC chip. Although it is possible to infer an implementation method of providing predetermined wireless banking information to be recorded on a chip and recording it on the financial IC chip, the present invention includes all of the inferred implementation methods, and the implementation method shown in FIG. It is not limited by.

In FIG. 4, the client terminal shown in FIG. 3 is referred to as " terminal " for convenience, and the program providing server 335 shown in FIG. 3 is referred to as " server "

Referring to FIG. 4, the terminal accesses the web server 300 through a predetermined network means, and provides the customer wireless payment service for providing the merchant (or franchise) dedicated customer payment service to the web server 300. Request to download and remotely mount a predetermined wireless payment program to the terminal (400), and correspondingly, the web server 300 extracts a predetermined information providing interface screen for providing the wireless payment program to the customer wireless terminal. (Or generates) and provides the terminal to the terminal (405).

Thereafter, the terminal inputs (and / or selects) predetermined customer information and customer wireless terminal information through the information providing interface screen (410), and the input (and / or selected) customer information and customer wireless terminal information. It is transmitted to the web server 300 via the network means (415).

Here, the customer information preferably includes authentication information that matches at least one or more customer information provided in the customer information D / B 330.

In addition, the customer wireless terminal information, preferably comprises at least one or more identification number (or phone number) and / or network address of the customer wireless terminal.

The customer radio terminal information may further include radio communication company information (or radio communication network information) corresponding to the radio communication network to which the customer radio terminal is connected.

The customer wireless terminal information may further include manufacturer information and / or wireless terminal model (or model) information for the customer wireless terminal.

The customer wireless terminal information may include platform information provided in the customer wireless terminal (eg, when the customer wireless terminal is a mobile communication terminal, at least one or more wireless internet platform for interoperability (WIPI) included in the wireless terminal). Information, BREW information, GVM / SKVM information, etc.) and / or operating system information.

In addition, when a predetermined financial IC chip (for example, a financial IC chip provided by a financial institution that provides the wireless banking service, or a financial IC chip that supports multi-domains) is provided in the customer wireless terminal, the customer wireless terminal is provided. The information may further include the financial IC chip information.

In particular, the wireless carrier information (or wireless communication network information), the manufacturer information and / or radio terminal model (or model) information, the platform information and / or operating system information, and / or financial IC of the customer wireless terminal information Chip information and the like may be provided directly to the program providing server 335 through a predetermined program providing interface screen in the customer wireless terminal in the process of accessing the program providing server 335, thereby The present invention is not limited.

Thereafter, the web server 300 checks the validity of the customer corresponding to the customer wireless terminal to be loaded with the wireless payment program through the received customer information in connection with the customer information D / B 330 (420). .

If the customer validity is not authenticated (425), the web server 300 generates predetermined customer validity error information and transmits it to the terminal through the network means (430), and the information providing interface screen to the terminal. Receives predetermined customer information and customer wireless terminal information to provide, and repeats the process of checking the validity of the customer corresponding to the customer wireless terminal to be loaded with the wireless payment program through the received customer information.

On the other hand, if the customer validity is authenticated (425), the web server 300 provides the received customer wireless terminal information to the server through a predetermined communication (435).

The server, which has received the customer wireless terminal information, extracts (and / or dynamically generates) a predetermined wireless payment program matching the customer wireless terminal information from the wireless payment program D / B (440).

According to an embodiment of the present invention, when a predetermined wireless payment program file capable of operating in an operating system (and / or terminal platform) provided in the customer wireless terminal is stored in the wireless payment program D / B, the web server ( When the customer wireless terminal information is received from 300) and / or predetermined program request information is received from the customer wireless terminal, the server may be configured to match the customer wireless terminal information from the wireless payment program D / B. It is desirable to extract the wireless payment program file.

According to another exemplary embodiment of the present invention, when the predetermined wireless payment program source capable of operating in an operating system (and / or terminal platform) provided in the customer wireless terminal is stored in the wireless payment program D / B, the web server When the customer wireless terminal information is received from 300 and / or predetermined program request information is received from the customer wireless terminal, the server is matched with the customer wireless terminal information from the wireless payment program D / B. It is preferable to extract a predetermined wireless payment program source, and to compile the extracted wireless payment program source to dynamically generate a predetermined wireless payment program to be provided to the customer wireless terminal.

Thereafter, the server reads the customer wireless terminal information and requests that the customer wireless terminal access the server through a wireless communication network to which the customer wireless terminal is connected (445).

According to an embodiment of the present invention, when the customer wireless terminal is provided with a function of receiving a predetermined wireless message (for example, a short message), the server may have a predetermined callback to which the customer wireless terminal may access the server. A wireless message including a callback URL is generated and transmitted to the customer wireless terminal through a wireless communication network connected to the customer wireless terminal.

Thereafter, the wireless terminal accesses the server through the wireless communication network in response to the server access request (450), and correspondingly, the server generates (or extracts) a predetermined program providing interface screen through the wireless communication network. Provided to the customer wireless terminal (455).

The wireless terminal provided with the program providing interface screen inputs (or selects) predetermined program request information through the program providing interface screen (460), and transmits the input (or selected) program request information to the wireless communication network. Transfer to the server through (465).

According to an embodiment of the present invention, the program request information may include the wireless carrier information (or wireless communication network information), the manufacturer information and / or radio terminal model (or model) information, or the platform information and / Or operating system information, and / or financial IC chip information, etc. may be further included, whereby the present invention is not limited.

Thereafter, the server checks the validity of the received program request information (470). If the validity of the program request information is not authenticated (475), the server generates predetermined program request error information. After transmitting to the customer wireless terminal through the wireless communication network (455), the program providing interface screen is provided to the wireless terminal to receive predetermined program request information, and to check the validity of the received program request information. Repeat the process.

On the other hand, if the validity of the program request information is authenticated (475), the server provides the wireless payment program extracted (and / or dynamically generated) from the wireless payment program D / B to the terminal through the wireless communication network. Remote mount (482).

Those of ordinary skill in the art to which the present invention pertains will be familiar with the method of remotely mounting the wireless payment program (for example, the method of remotely mounting the customer wireless terminal with a program provider certificate attached). Detailed description thereof will be omitted for convenience.

If the wireless payment program is remotely mounted in the terminal (484), the terminal executes the wireless payment program to initiate a diagnostic mode for the wireless payment program (486), and the terminal correspondingly the wireless payment Generates predetermined validity diagnostic information through a program and transmits it to the server through the wireless communication network (488), and the server receives and reads the received validity diagnostic information to confirm the validity of the wireless payment program (488). 490).

According to the embodiment of the present invention, the wireless payment program diagnosis mode includes checking whether the wireless payment program provided and mounted to the customer wireless terminal through the program provider 355 operates normally in the customer wireless terminal. Preferably, the wireless payment program diagnosis mode as described above, when the wireless network is completely open, the program providing server 335 for checking the validity of the wireless payment program provided in the customer wireless terminal Provide means.

For example, the wireless payment program diagnosis mode transmits predetermined information to be provided to the server through the wireless communication network when the wireless payment program is normally run in the customer wireless terminal, and the server transmits the predetermined information to the server. It is preferable to include a step of confirming whether the reserved information is normally received from.

Alternatively, the wireless payment program diagnosis mode may include emulating, by the server, whether the wireless payment function corresponding to the wireless payment function information registered through the information registration system shown in FIG. 1 operates normally in the wireless payment program. It is preferable to make it.

According to an embodiment of the present invention, the wireless payment function corresponding to the wireless payment function information registered through the information registration system shown in FIG. It is desirable to emulate if it works.

Alternatively, the wireless payment program diagnosis mode may be performed by the server to emulate whether the customized service function corresponding to the customized menu information registered through the information registration system shown in FIG. 1 operates normally in the wireless payment program. It is preferable to comprise.

According to an embodiment of the present invention, the server has a custom service function corresponding to the customized menu information registered through the information registration system shown in FIG. It is desirable to emulate whether it works normally.

If the validity of the wireless payment program is not confirmed (492), the server generates a predetermined wireless payment program diagnostic error information and transmits it to the wireless terminal through the wireless communication network (455), and then to the wireless terminal. The program providing interface screen is provided to receive predetermined program request information, and the process of confirming validity of the received program request information is repeated.

On the contrary, if the validity of the wireless payment program is confirmed (492), the server processes the wireless payment program information mounted on the terminal and predetermined customer wireless terminal information and stores the predetermined program information in the D / B 370. The wireless payment program information and the customer wireless terminal information stored in the program information D / B 370 are then maintained and / or maintained by the wireless payment program included in the customer wireless terminal, and / or the customer. It is used to upgrade a new wireless payment program to a wireless terminal.

5 is a diagram illustrating a program providing system configuration for remotely loading and downloading a wireless payment program for providing a customer-specific wireless payment service exclusively for a merchant (or franchise) to a customer wireless terminal according to another exemplary embodiment of the present invention.

In more detail, FIG. 5 illustrates that a merchant (or franchise) customer selects a predetermined program through a customer wireless terminal in order to provide a customized wireless payment service for the affiliated store (or franchise) through the information registration system shown in FIG. The program providing server is provided by accessing the providing server 500 and providing the customer information to download and remotely mount a predetermined wireless payment program for providing a customer-specific wireless payment service dedicated to an affiliate store (or franchise) to the customer wireless terminal. In step 500, after authenticating the validity of the customer through the customer information, if the customer is authenticated, a predetermined wireless payment program for providing a customer-specific wireless payment service dedicated to the merchant (or franchise) to the customer wireless terminal. Download and remote mount, and the customer wireless terminal The present invention relates to a system for providing a program for storing the wireless payment program information and the customer wireless terminal information on a predetermined storage medium in association with the loaded wireless payment program information. By referring to and / or modified to download a predetermined wireless payment program for providing the wireless payment service dedicated to the merchant (or franchise) dedicated to the customer wireless terminal can be inferred various implementation methods for remote mounting, but the present invention Includes all of the inferred implementation methods and is not limited by the implementation method illustrated in FIG.

For example, a person having ordinary knowledge in the art to which the present invention pertains may refer to and / or modify this drawing 5 in a financial IC chip (for example, in a financial institution that provides the wireless banking service) to the customer wireless terminal. Provided with a provided financial IC chip, or a financial IC chip supporting multi-domain), the customer wireless terminal provides and mounts a wireless payment program for providing the financial IC chip-based wireless banking service, and the financial IC chip. Although it is possible to infer an implementation method of providing predetermined wireless banking information to be recorded on a chip and recording it on the financial IC chip, the present invention includes all the inferred implementation methods, and the implementation method shown in FIG. It is not limited by.

Hereinafter, in FIG. 5, a server that downloads and remotely mounts the wireless payment program for providing the affiliated customer (or franchise) dedicated customer-specific wireless payment service to the customer wireless terminal is referred to as a "program providing server 500".

Referring to FIG. 5 according to an embodiment of the present invention, the program providing system connects to the program providing server 500 through a predetermined wireless communication network to provide a predetermined wireless payment service for the affiliated store (or franchise). Customer wireless terminal that downloads the wireless payment program and records in a predetermined recording medium, and connected to the customer wireless terminal through a predetermined wireless communication network to provide a customer-specific wireless payment service dedicated to the merchant (or franchise) to the customer wireless terminal It comprises a program providing server 500 for providing a predetermined wireless payment program for.

The customer wireless terminal is connected to a mobile communication terminal connected to a code division multiple access (CDMA) based mobile communication network (or a high speed downlink packet access (HSDPA) based mobile communication network), and / or an IEEE 802.16x based high speed wireless Internet. And at least one wireless terminal including at least one portable internet terminal and / or at least one wireless LAN terminal connected to an IEEE 802.11x based wireless LAN communication network, wherein the customer wireless terminal provides the program. A function configuration (eg, a browser program and a communication function) for outputting at least one information providing interface screen provided by the server 500 and downloading and remotely mounting the wireless payment program based on the information providing interface screen is provided. It is preferable that it is done.

Those skilled in the art to which the present invention pertains will be able to easily infer the features of the customer wireless terminal corresponding to at least one or more wireless terminals, so a detailed description thereof will be omitted for convenience.

According to an embodiment of the present invention, the wireless communication network is a CDMA / HSDPA-based mobile communication network, and / or IEEE 802.16x-based high-speed wireless Internet, and / or IEEE 802.11x based on a wireless communication network connected to the customer wireless terminal. At least one WLAN network is preferably included.

According to the present invention, the program providing server 500 connects and manages a predetermined communication channel with the customer wireless terminal through the wireless communication network to provide a communication interface corresponding to the customer wireless terminal and the wireless communication network. And a unit 505, whereby the program providing server 500 has a function of a wireless server in communication with the customer wireless terminal through a wired network and / or a wireless network.

According to an exemplary embodiment of the present invention, when the customer wireless terminal is a wireless terminal to which a communication channel is connected through a CDMA-based wireless network, the web interface unit 505 may connect to the customer wireless terminal and a wireless application protocol (WAP) and the like. And / or connect a predetermined communication channel based on a mobile explorer (ME) protocol, and through the communication channel, an information providing interface screen in the form of a wireless markup language (WML) and / or HTML compatible document and / or to the customer wireless terminal. It is preferable to perform a function of transmitting and outputting an information providing screen and receiving and processing predetermined customer information corresponding to the information providing interface screen from the customer wireless terminal.

According to another exemplary embodiment of the present invention, when the customer wireless terminal is a wireless terminal to which a communication channel is connected through an IEEE 802.16x based wireless network, the web interface unit 505 may be connected to the customer wireless terminal and the IEEE 802.16. Connect a predetermined communication channel based on a wireless protocol corresponding to the x standard, transmit and output a predetermined information providing interface screen and / or information providing screen to the customer wireless terminal through the communication channel, and output to the customer wireless terminal. It is preferable to perform a function of receiving and processing predetermined customer information corresponding to the information providing interface screen from, and / or the customer wireless terminal is a wireless terminal to which a communication channel is connected through an IEEE 802.11x based wireless network. In this case, the web interface unit 505 is a radio corresponding to the customer wireless terminal and the IEEE 802.11x standard. Connect a predetermined communication channel based on a protocol, transmit and output a predetermined information providing interface screen and / or information providing screen to the customer wireless terminal through the communication channel, and output the information providing interface screen from the customer wireless terminal. It is preferable to perform a function of receiving and processing predetermined customer information corresponding to.

According to the present invention, the program providing server 500, when a predetermined customer wireless terminal is connected to the program providing server 500 through the interface unit 505, in conjunction with the interface unit 505 to the customer wireless And an interface providing unit 510 for generating (or extracting) a predetermined information providing interface screen for inputting (or selecting) and transmitting predetermined customer information from the terminal.

The interface providing unit 510 has a functional configuration (eg, provided in a customer wireless terminal) provided to a customer wireless terminal when a predetermined wireless client terminal is connected to the program providing server 500 through the interface unit 505. Generate (or select) predetermined customer information in response to a browser program) and generate a predetermined information providing interface screen which can be transmitted to the program providing server 500 through the network means, and / or a predetermined database. It extracts from (not shown) and provides the generated (or extracted) information providing interface screen in cooperation with the interface unit 505 to the customer wireless terminal through the network means.

According to an embodiment of the present invention, the information providing interface screen extracts predetermined customer wireless terminal information corresponding to the customer wireless terminal by referring to at least one or more system parameter information stored in a memory provided in the customer wireless terminal. It is preferable to include a script (or program) provided to the program providing server 500.

According to another exemplary embodiment of the present invention, the information providing interface screen receives a predetermined user wireless terminal information through a key input device provided in the customer wireless terminal, and provides a user interface provided to the program providing server 500. It is preferable to comprise.

Here, the customer radio terminal information preferably includes at least one identification number (or phone number) and / or network address of the customer radio terminal.

The customer radio terminal information may further include radio communication company information (or radio communication network information) corresponding to the radio communication network to which the customer radio terminal is connected.

The customer wireless terminal information may further include manufacturer information and / or wireless terminal model (or model) information for the customer wireless terminal.

The customer wireless terminal information may include platform information provided in the customer wireless terminal (eg, when the customer wireless terminal is a mobile communication terminal, at least one or more wireless internet platform for interoperability (WIPI) included in the wireless terminal). Information, BREW information, GVM / SKVM information, etc.) and / or operating system information.

In addition, when a predetermined financial IC chip (for example, a financial IC chip provided by a financial institution that provides the wireless banking service or a financial IC chip that supports multi-domains) is provided in the customer wireless terminal, the customer wireless terminal is provided. The information may further include the financial IC chip information.

Thereafter, the customer wireless terminal inputs (or selects) predetermined customer information based on the information providing interface screen, and transmits the input (or selected) customer information to the program providing server 500 through the network means. send.

According to the present invention, the program providing server 500 is an information receiving unit 515 for receiving the customer information transmitted by the customer wireless terminal, the customer information received through the information receiving unit 515 and a predetermined customer Comparing the customer information provided in the information D / B (540) characterized in that it comprises a customer authentication unit 520 for authenticating the customer validity based on the customer information.

The information receiving unit 515, when the customer wireless terminal inputs (or selects) predetermined customer information based on the information providing interface screen, receives the customer information through the network means. The received customer information is provided to the customer authenticator 520.

According to an exemplary embodiment of the present invention, the interface providing unit 510 refers to at least one system parameter information stored in a memory provided in the customer wireless terminal on an information providing interface screen provided to the customer wireless terminal. A script (or a program) for extracting predetermined customer wireless terminal information corresponding to and providing the same to the program providing server 500 and / or via a key input device provided in the customer wireless terminal. When a user interface for receiving terminal information and providing the program information to the server 500 is provided, the information receiving unit 515 may further receive the customer wireless terminal information from the customer wireless terminal.

According to another exemplary embodiment of the present invention, the information receiving unit 515 reads predetermined customer wireless terminal information from communication session information for the customer wireless terminal connected to the communication channel in cooperation with the interface unit 505, Alternatively, it is possible to request and receive predetermined customer wireless terminal information on the customer wireless terminal from a mobile communication company server existing on the communication channel.

Here, the customer radio terminal information preferably includes at least one identification number (or phone number) and / or network address of the customer radio terminal.

In addition, the customer wireless terminal information, it is preferable that the customer wireless terminal further comprises a wireless carrier information (or wireless communication network information) corresponding to the wireless communication network connected.

The customer wireless terminal information may further include manufacturer information and / or wireless terminal model (or model) information for the customer wireless terminal.

The customer wireless terminal information may include platform information provided in the customer wireless terminal (eg, when the customer wireless terminal is a mobile communication terminal, at least one or more wireless internet platform for interoperability (WIPI) included in the wireless terminal). Information, BREW information, GVM / SKVM information, etc.) and / or operating system information.

In addition, when a predetermined financial IC chip (for example, a financial IC chip provided by a financial institution that provides the wireless banking service, or a financial IC chip that supports multi-domains) is provided in the customer wireless terminal, the customer wireless terminal is provided. The information may further include the financial IC chip information.

Through the information registration system shown in FIG. 1, the program providing server 500 includes a customer information D / B 540 for storing predetermined affiliate store information (or franchise information) and at least one customer information (or a customer). Information D / B 540), wherein the customer information received from the customer wireless terminal through the information receiver 515 is combined with at least one customer information provided in the customer information D / B 540. It is preferable to include matching authentication information.

The customer authentication unit 520 inquires (or at least one or more customer information matching the customer information in the customer information D / B 540 using the customer information received through the information receiving unit 515 as a keyword) And verifying whether the customer connected to the program providing server 500 through the customer wireless terminal is the customer by comparing and authenticating the customer information with the inquiry (or searched) customer information. It is characterized by performing.

According to an exemplary embodiment of the present invention, the interface providing unit 510 may be configured to match merchant information (or franchise information) stored in the customer information D / B 540 on an information providing interface screen provided to the customer wireless terminal. It is possible to further provide a user interface for inputting (or selecting) merchant information (or franchise information) of the information, in which case the information receiving unit 515 to the customer information D / B (540) It is possible to further receive the predetermined merchant information (or franchise information) matching the stored merchant information (or franchise information), whereby the customer authentication unit 520 through the merchant information (or franchise information) The affiliated store information (or franchise information) corresponding to the customer information may be checked.

According to the present invention, the interface unit 505 connects and manages a predetermined communication channel with the customer wireless terminal through the wireless communication network to provide a program providing interface corresponding to the customer wireless terminal and the wireless communication network. It features.

According to an embodiment of the present invention, when the customer wireless terminal is a wireless terminal to which a communication channel is connected through a CDMA-based wireless network, the interface unit 505 may communicate with the customer wireless terminal and WAP (Wireless Application Protocol) and / Alternatively, a predetermined communication channel is connected based on a ME (Mobile Explorer) protocol, and the program providing interface screen in the form of a WML (Wireless Markup Language) and / or HTML compatible document is output to the customer wireless terminal through the communication channel. In addition, it is preferable to perform a communication channel maintenance and management function for remotely downloading a predetermined wireless payment program to the customer wireless terminal through the program providing interface screen.

According to another exemplary embodiment of the present invention, when the customer wireless terminal is a wireless terminal to which a communication channel is connected through an IEEE 802.16x based wireless network, the interface unit 505 may be configured with the customer wireless terminal and the IEEE 802.16x standard. Connect a predetermined communication channel based on a wireless protocol corresponding to the present invention, transmit and output a predetermined program providing interface screen to the customer wireless terminal through the communication channel, and output to the customer wireless terminal through the program providing interface screen. It is preferable to perform a communication channel maintenance and management function for remotely downloading a predetermined wireless payment program, and / or the customer wireless terminal is a wireless terminal to which a communication channel is connected through an IEEE 802.11x based wireless network. In this case, the interface unit 505 is connected to the customer wireless terminal and the IEEE 802.11x A predetermined communication channel is connected based on a wireless protocol corresponding to each other, and a predetermined program providing interface screen is transmitted to the customer wireless terminal through the communication channel and outputted, and the customer wireless terminal is connected through the program providing interface screen. It is preferable to perform a communication channel maintenance and management function for remotely downloading a predetermined wireless payment program.

According to the present invention, the interface providing unit 510 generates (or extracts) a predetermined program providing interface screen for downloading and remotely mounting a predetermined wireless payment program to the customer wireless terminal in cooperation with the interface unit 505. ) To provide.

The interface providing unit 510 has a functional configuration (eg, provided in a customer wireless terminal) provided to a customer wireless terminal when a predetermined wireless client terminal is connected to the program providing server 500 through the interface unit 505. A program providing interface screen for downloading and remotely mounting a predetermined wireless payment program to the customer wireless terminal in response to a browser program), and / or extracting from a predetermined database (not shown). The program providing interface screen generated (or extracted) in cooperation with the interface unit 505 may be provided to the customer wireless terminal through the wireless communication network.

Thereafter, the customer wireless terminal inputs (or selects) program request information for requesting to provide a predetermined wireless payment program to the program providing server 500 based on the program providing interface screen, and through the program providing interface screen. When the program request information is input (or selected), the customer wireless terminal provides the input (or selected) program request information to the program providing server 500, and correspondingly, the program providing server 500 Provide a predetermined wireless payment program to remotely mount.

According to an embodiment of the present invention, after wireless payment function information and custom menu information are registered from the affiliated store (or franchise) through the information registration system shown in FIG. 1 and registered in the program production information D / B, A financial institution (or a program developer affiliated with the financial institution) that provides a wireless payment service corresponding to the wireless payment function information to the customer may develop (or manufacture) a predetermined wireless payment program to be provided to the customer wireless terminal. It is preferable to store in the wireless payment program D / B provided in the program providing server 500 (or associated with the program providing server 500).

According to the present invention, the program providing server 500 is a wireless payment program D / B for storing at least one or more wireless payment program source and / or wireless payment program files to be provided to the customer wireless terminal, and the wireless payment program D And a program providing unit 525 for extracting and / or dynamically generating a predetermined wireless payment program corresponding to the customer wireless terminal information from / B and providing it to the customer wireless terminal through the interface unit 505. It is characterized by.

According to one embodiment of the present invention, the wireless payment program D / B is characterized in that for storing a predetermined wireless payment program file that can operate in the operating system (and / or terminal platform) provided in the customer wireless terminal When the predetermined program request information is received from the customer wireless terminal, the program provider 525 extracts a predetermined wireless payment program file matching the customer wireless terminal information from the wireless payment program D / B. It features.

According to another exemplary embodiment of the present invention, the wireless payment program D / B stores a predetermined wireless payment program source capable of operating in an operating system (and / or terminal platform) provided in the customer wireless terminal. If predetermined program request information is received from the customer wireless terminal, the program provider 525 extracts a predetermined wireless payment program source matching the customer wireless terminal information from the wireless payment program D / B. Compiling the extracted wireless payment program source to generate a predetermined wireless payment program to be provided to the customer wireless terminal.

Thereafter, the program providing unit 525 provides the extracted (and / or dynamically generated) wireless payment program in cooperation with the interface unit 505 to the customer wireless terminal through the wireless communication network for remote mounting. Those skilled in the art will be familiar with the method of remotely mounting the wireless payment program (for example, the method of remotely mounting the customer wireless terminal with a program provider certificate). Detailed description is omitted for convenience.

When the wireless payment program is downloaded and remotely mounted to the customer wireless terminal as described above, the customer wireless terminal initiates the wireless payment program diagnosis mode for authenticating the validity of the wireless payment program by first executing the wireless payment program. It is preferable (or can be omitted according to the intention of those skilled in the art), for this purpose, the program providing server 500 interoperates with the wireless payment program provided in the customer wireless terminal to diagnose the validity of the wireless payment program. It is characterized by comprising a diagnostic unit 530.

According to the embodiment of the present invention, the wireless payment program diagnosis mode includes checking whether the wireless payment program provided and mounted to the customer wireless terminal through the program provider 525 operates normally in the customer wireless terminal. Preferably, the wireless payment program diagnosis mode as described above, when the wireless network is fully open, the program providing server 500 for checking the validity of the wireless payment program provided in the customer wireless terminal Provide means.

For example, the wireless payment program diagnosis mode transmits predetermined information to be provided to the diagnosis unit 530 through the wireless communication network when the wireless payment program is normally driven in the customer wireless terminal. In step 530, it is preferable to include a step of confirming whether the reserved information is normally received from the customer wireless terminal.

Alternatively, the wireless payment program diagnosis mode may emulate whether the wireless payment function corresponding to the wireless payment function information registered by the diagnosis unit 530 through the information registration system shown in FIG. 1 operates normally in the wireless payment program. It is preferred to include a process to.

According to an embodiment of the present invention, the diagnosis unit 530 is connected to a predetermined wireless banking server, the wireless payment function corresponding to the wireless payment function information registered through the information registration system shown in FIG. It is desirable to emulate whether it works in a payment program.

Alternatively, the wireless payment program diagnostic mode emulates whether the customized service function corresponding to the customized menu information registered by the diagnostic unit 530 through the information registration system shown in FIG. 1 operates normally in the wireless payment program. It is preferable to include the process of rating.

According to an embodiment of the present invention, the diagnosis unit 530 has a customized service function corresponding to the customized menu information registered through the information registration system shown in FIG. 1 in connection with a predetermined customized server. It is desirable to emulate the normal operation of the wireless payment program.

According to the present invention, the program providing server 500 is stored in the predetermined program information D / B (545) by linking the wireless payment program information and the customer wireless terminal information downloaded and remotely mounted to the customer wireless terminal. It is characterized by comprising an information storage unit 535 to.

According to an exemplary embodiment of the present invention, when the validity of the wireless payment program is confirmed by the diagnosis unit 530, the information storage unit 535 is downloaded to the customer wireless terminal and remotely mounted. And cooperatively processing the customer wireless terminal information and storing it by cooperatively processing the predetermined program information D / B 545 and then storing the wireless payment program information and the customer wireless information stored in the program information D / B 545. The terminal information is used to maintain and repair the wireless payment program provided in the customer wireless terminal, and / or to upgrade a new wireless payment program to the customer wireless terminal.

FIG. 6 is a diagram illustrating a process of downloading and remotely mounting a wireless payment program for providing a wireless payment service for a merchant (or franchise) exclusively to a customer wireless terminal according to another exemplary embodiment of the present invention.

In more detail, FIG. 6 illustrates a predetermined wireless service for providing a customer-specific wireless payment service dedicated to the affiliated store (or franchise) from the program providing server 500 to the customer wireless terminal through the program providing system configuration illustrated in FIG. 5. Regarding a process of downloading and remotely installing a payment program, those of ordinary skill in the art to which the present invention pertains refer to and / or modify this drawing 6 to the customer terminal for the merchant (or franchise) dedicated customer. Although various implementation methods of downloading and remotely mounting a predetermined wireless payment program for providing a customized wireless payment service may be inferred, the present invention includes all the inferred implementation methods, and the implementation method illustrated in FIG. It is not limited by.

For example, a person having ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing 6 in a financial IC chip (for example, in a financial institution that provides the wireless banking service). Provided with a provided financial IC chip, or a financial IC chip supporting multi-domain), provides and mounts a wireless payment program for providing the financial IC chip-based wireless banking service to the customer wireless terminal, and also installs the financial IC chip. Although it is possible to infer an implementation method of providing predetermined wireless banking information to be recorded on a chip and recording it on the financial IC chip, the present invention includes all of the inferred implementation methods, and the implementation method shown in FIG. It is not limited by.

Hereinafter, in FIG. 6, the program providing server 500 illustrated in FIG. 5 is referred to as a “server” for convenience.

Referring to FIG. 6, the wireless terminal accesses the server through a predetermined wireless communication network, and provides a predetermined wireless payment program to the customer wireless terminal for providing the affiliated customer (or franchise) dedicated customer-specific wireless payment service to the server. Download and remotely mount the request (600), and in response, the server extracts (or generates) a predetermined information providing interface screen for providing the wireless payment program to the customer wireless terminal and provides the wireless terminal to the wireless terminal. (605).

Thereafter, the wireless terminal inputs (and / or selects) predetermined customer information through the information providing interface screen (610), and sends the input (and / or selected) customer information to the server through the wireless communication network. Transmit (615).

In this case, the customer information preferably includes authentication information that matches at least one or more customer information included in the customer information D / B 540.

According to an exemplary embodiment of the present invention, the predetermined customer wireless terminal information corresponding to the customer wireless terminal is extracted by referring to at least one or more system parameter information stored in a memory provided in the customer wireless terminal on the information providing interface screen. When a script (or program) provided to a server is included, the wireless terminal extracts predetermined wireless terminal information corresponding to the customer wireless terminal from the memory unit and transmits the predetermined wireless terminal information to the server through the wireless communication network.

According to another embodiment of the present invention, when the user interface for receiving predetermined customer wireless terminal information through a predetermined key input device provided in the customer wireless terminal on the information providing interface screen is provided to the server, The customer wireless terminal information is received through the user interface and transmitted to the server through the wireless communication network.

According to another exemplary embodiment of the present invention, the server reads predetermined customer wireless terminal information from communication session information for the customer wireless terminal to which the communication channel is connected, or a mobile communication company server existing on the communication channel. It is possible to request and receive predetermined customer radio terminal information for the customer radio terminal from the terminal.

Here, the customer radio terminal information preferably includes at least one identification number (or phone number) and / or network address of the customer radio terminal.

The customer radio terminal information may further include radio communication company information (or radio communication network information) corresponding to the radio communication network to which the customer radio terminal is connected.

The customer wireless terminal information may further include manufacturer information and / or wireless terminal model (or model) information for the customer wireless terminal.

The customer wireless terminal information may include platform information provided in the customer wireless terminal (eg, when the customer wireless terminal is a mobile communication terminal, at least one or more wireless internet platform for interoperability (WIPI) included in the wireless terminal). Information, BREW information, GVM / SKVM information, etc.) and / or operating system information.

In addition, when a predetermined financial IC chip (for example, a financial IC chip provided by a financial institution that provides the wireless banking service, or a financial IC chip that supports multi-domains) is provided in the customer wireless terminal, the customer wireless terminal is provided. The information may further include the financial IC chip information.

Thereafter, the server checks the validity of the customer corresponding to the customer wireless terminal on which the wireless payment program is to be mounted through the received customer information in connection with the customer information D / B 540 (620).

If the customer validity is not authenticated (625), the server generates predetermined customer validity error information and transmits it to the wireless terminal through the wireless communication network (630), and provides the information providing interface screen to the wireless terminal. Receiving predetermined customer information and customer wireless terminal information, and repeats the process of confirming the validity of the customer corresponding to the customer wireless terminal to be loaded with the wireless payment program through the received customer information.

On the contrary, if the customer validity is authenticated (625), the server extracts (and / or dynamically generates) a predetermined wireless payment program matching the customer wireless terminal information from the wireless payment program D / B (640).

According to an embodiment of the present invention, when a predetermined wireless payment program file capable of operating in an operating system (and / or terminal platform) provided in the customer wireless terminal is stored in the wireless payment program D / B, the customer wireless terminal When predetermined program request information is received from the server, the server preferably extracts a predetermined wireless payment program file matching the customer wireless terminal information from the wireless payment program D / B.

According to another embodiment of the present invention, when a predetermined wireless payment program source capable of operating in an operating system (and / or terminal platform) provided in the customer wireless terminal is stored in the wireless payment program D / B, the customer wireless When predetermined program request information is received from the terminal, the server extracts a predetermined wireless payment program source matching the customer wireless terminal information from the wireless payment program D / B, and compiles the extracted wireless payment program source. It is desirable to dynamically generate a predetermined wireless payment program to be provided to the customer wireless terminal.

Thereafter, the server generates (or extracts) a predetermined program providing interface screen and provides it to the customer wireless terminal through the wireless communication network (655).

The wireless terminal provided with the program providing interface screen inputs (or selects) predetermined program request information through the program providing interface screen (660), and transmits the input (or selected) program request information through the wireless communication network. The server transmits to the server (665).

According to an embodiment of the present invention, the program request information may include the wireless carrier information (or wireless communication network information), the manufacturer information and / or radio terminal model (or model) information, or the platform information and / Or operating system information, and / or financial IC chip information, etc. may be further included, whereby the present invention is not limited.

Thereafter, the server checks the validity of the received program request information (670). If the validity of the program request information is not authenticated (675), the server generates predetermined program request error information. After transmitting to the customer wireless terminal through the wireless communication network (655), the program providing interface screen is provided to the wireless terminal to receive predetermined program request information, and to check the validity of the received program request information. Repeat the process.

On the other hand, if the validity of the program request information is authenticated (675), the server provides the wireless payment program extracted (and / or dynamically generated) from the wireless payment program D / B to the wireless terminal through the wireless communication network. And remote mount (682).

Those of ordinary skill in the art to which the present invention pertains will be familiar with the method of remotely mounting the wireless payment program (for example, the method of remotely mounting the customer wireless terminal with a program provider certificate attached). Detailed description thereof will be omitted for convenience.

If the wireless payment program is remotely mounted on the wireless terminal (684), the wireless terminal executes the wireless payment program to initiate a diagnostic mode for the wireless payment program (686), and the wireless terminal correspondingly Generating predetermined validity diagnostic information through the wireless payment program and transmitting it to the server through the wireless communication network (688), the server receives and reads the received validity diagnostic information to validate the wireless payment program. Check (690).

According to the embodiment of the present invention, the wireless payment program diagnosis mode includes checking whether the wireless payment program provided and mounted to the customer wireless terminal through the program provider 525 operates normally in the customer wireless terminal. Preferably, the wireless payment program diagnosis mode as described above, when the wireless network is fully open, the program providing server 500 for checking the validity of the wireless payment program provided in the customer wireless terminal Provide means.

For example, the wireless payment program diagnosis mode transmits predetermined information to be provided to the server through the wireless communication network when the wireless payment program is normally run in the customer wireless terminal, and the server transmits the predetermined information to the server. It is preferable to include a step of confirming whether the reserved information is normally received from.

Alternatively, the wireless payment program diagnosis mode may include emulating, by the server, whether the wireless payment function corresponding to the wireless payment function information registered through the information registration system shown in FIG. 1 operates normally in the wireless payment program. It is preferable to make it.

According to an embodiment of the present invention, the wireless payment function corresponding to the wireless payment function information registered through the information registration system shown in FIG. It is desirable to emulate if it works.

Alternatively, the wireless payment program diagnostic mode may be configured to emulate whether the server performs a custom service function corresponding to the customized menu information registered through the information registration system illustrated in FIG. 1 in the wireless payment program. It is preferable to comprise.

According to an embodiment of the present invention, the server has a custom service function corresponding to the customized menu information registered through the information registration system shown in FIG. It is desirable to emulate whether it works normally.

If the validity of the wireless payment program is not confirmed (692), the server generates a predetermined wireless payment program diagnostic error information and transmits it to the wireless terminal through the wireless communication network (655), then to the wireless terminal The program providing interface screen is provided to receive predetermined program request information, and the process of confirming validity of the received program request information is repeated.

On the other hand, when the validity of the wireless payment program is confirmed (692), the server processes the wireless payment program information mounted on the wireless terminal and predetermined customer wireless terminal information to the predetermined program information D / B (545) Store 660, and then the wireless payment program information and the customer wireless terminal information stored in the program information D / B 545 maintain and repair the wireless payment program included in the customer wireless terminal, and / or the It is used to upgrade new wireless payment program to customer wireless terminal.

7 is a diagram illustrating a function configuration of a wireless terminal 700 for providing a wireless payment service and a customized service to a customer according to an embodiment of the present invention.

In more detail, FIG. 7 illustrates a functional configuration of a wireless terminal 700 having a wireless payment program for providing a customized wireless payment service through the program providing system illustrated in FIGS. 3 and / or 5. Specifically, when the wireless terminal 700 is a mobile communication terminal for accessing a CDMA stack based mobile communication network, a preferred functional configuration of the mobile communication terminal for providing a wireless payment service and a customized service for the customer It is about.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing to modify other drawings, such as other wireless terminals 700 for providing wireless payment services and customized services to customers in addition to mobile communication terminals. , A portable Internet terminal, or a wireless LAN terminal, etc.) may be easily inferred, but the present invention includes all the inferred implementation methods, and the wireless terminal 700 moves as shown in FIG. It is not limited to the case of a communication terminal.

In terms of hardware, the wireless terminal 700 providing a mobile communication service includes an external body, a speaker, a microphone, a keypad, a liquid crystal display (LCD), an antenna, a battery 725, and the like. For example, certain modem chips (for example, MSM series modem chips from Qualcomm, Inc.) that incorporate functions such as a code division multiple access (CDMA) modem, a CPU / MPU (Central Processing Unit / Micro Processing Unit), and a vocoder; , Various memory elements, duplexer filter that separates transmission and reception signals from one antenna, power amplifier to amplify transmission signal, high power amplifier (HPA), isolator to prevent the return of high output transmission signal , RF / IF SAW filter for removing out-of-band unwanted signals, frequency up-circuit of transmission path, frequency down-conversion circuit of receiving path, and reference clock source VCTCXO (Voltage Controlled Temperature Compensated X-tal Oscillator), UHF frequency synthesizer used as local signal of frequency up-down conversion, and codec chip for converting analog voice signal into digital signal. Is gradually integrated in the modem chip, and in addition to the core components for the mobile communication service, various functions for various multimedia services and / or additional services are integrated together.

Referring to FIG. 7, the wireless terminal 700 for providing a wireless payment service and a customized service to a customer basically includes a control unit 705, a screen output unit 710, a sound processor 715, and a key input unit 720. And a wireless processing unit 730, a short range communication unit 735, a memory unit 755, and a battery 725 for supplying power, and are mounted or detached from the wireless terminal 700 according to an embodiment. It further comprises a functional configuration including a camera unit 745 for reading out predetermined image information from the camera.

The control unit 705 includes a processor and an execution memory including a CPU / MPU provided in the modem chip in hardware, and provides a predetermined program routine for providing a function specific to the wireless terminal 700 from a predetermined memory element. (Routine) and / or a bus (BUS) for inputting and outputting the program data and a predetermined electronic circuit (or integrated circuit) provided for this, characterized in that from a predetermined memory device and / or chipset in software A generic term for program routines and / or program data loaded into the execution memory and computed by the processor to perform specific functions (thus, the radio via the program providing system shown in FIGS. 3 and / or 5). Customized wireless payment program (or customer-specific wireless payment service installed on the terminal 700 and the customer The program routine corresponding to the wireless payment program recorded on the recording medium of the wireless terminal 700 for providing the service will be described as being provided in the controller 705 for the sake of convenience. As a result, various functions to be implemented in the wireless terminal 700 are realized, and in order to realize the above functions, the overall operation of the wireless terminal 700 is controlled and managed. In particular, when power is input to the wireless terminal 700 to perform a function of the controller 705 for controlling and managing the overall operation of the wireless terminal 700, an operating system routine stored in a predetermined memory device; System management routines and / or system variables are loaded into the execution memory and computed by the processor to serve as variables for providing an operating system, system management program, and / or mobile communication service.

The screen output unit 710 is a liquid crystal display (LCD) driver for outputting a screen and a key input unit 720 by the control unit 705 (for example, a program routine for outputting predetermined information or data to the LCD). Key data generated through the &lt; RTI ID = 0.0 &gt;), various information, signals, and / or content (e. G., Text content, image content, and / or &lt; / RTI &gt; Or multimedia content) to a predetermined screen output device (for example, an LCD panel). The screen output unit 710 performs a wireless payment procedure by interlocking a screen output device (LCD). It is desirable to perform the function of the information output unit 760 to output the predetermined information required in the process of doing.

The sound processor 715 encodes a predetermined sound signal input from a microphone included in the wireless terminal 700 and provides the sound signal to the controller 705, or extracted and / or generated by the controller 705. A sound signal is decoded and output through a speaker. To this end, the sound processor 715 is provided with a predetermined vocoder and a codec. Performs a function of a sound input means provided in the wireless terminal 700 through the sound processing unit 715 and a microphone, or outputs a sound provided in the wireless terminal 700 through the sound processing unit 715 and a speaker. Perform the function of the means.

The key input unit 720 is provided with at least one key button including a predetermined number key and / or a character key and / or a function key. Detects information (or signal) input from the keypad and detects a predetermined key button provided in the keypad in a specific input mode and / or operation mode of the wireless terminal 700 controlled by the controller 705. When predetermined information (or signal) is inputted from the controller, a key event (eg, MH_KEY_PRESSEVENT, MH_KEY_REPEATEVENT, MH_KEY_RELEASEEVENT) corresponding to the input information (or signal) is generated, and the generated key event is transmitted to the controller 705. The controller 705 reads predetermined key data corresponding to the key event in the current input mode and / or operation mode of the wireless terminal 700 (eg, each wireless terminal). (700) read key data corresponding to the key event from a key table storing (managing) at least one or more key data corresponding to a specific key event in an input mode and / or an operation mode, and / or with the key event A command for executing a predetermined function that is matched and defined is read. The keypad including the key input unit 720 and at least one key button performs a function of key input means provided in the wireless terminal 700 by interlocking with each other.

The wireless processing unit 730 may be associated with the control unit 705 (eg, a program routine for providing a mobile communication service) for location registration and / or slot mode and / or power control. Or providing a mobile communication service including a hand-off and / or call processing procedure, the base station corresponding to an end of the mobile communication network in the process of providing the mobile communication service. And an RF processing function (eg, antenna control, modulation, synthesis, amplification, and / or filtering of radio frequency signals) that performs transmission and reception of radio frequency signals. In particular, the wireless processing unit 730 processes the information or signal transmitted from the wireless terminal 700 to the base station to provide a mobile communication service to a CDMA stack, or predetermined information from the CDMA stack received from the base station. Or it provides a function for reading the signal.

According to an exemplary embodiment of the present invention, the wireless terminal 700 connects a base station on a predetermined mobile communication network with a predetermined wireless section through the wireless processing unit 730, and through a predetermined wired section including the base station. It is preferable to connect a predetermined communication channel with a wireless payment server provided on the mobile communication network and / or a predetermined communication network that interworks with the mobile communication network.

According to another exemplary embodiment of the present invention, if the wireless terminal 700 of FIG. 7 is a portable internet terminal and / or a wireless LAN terminal, the wireless processing unit 730 may access a portable internet and / or wireless LAN to provide a wireless payment service for a customer. And a function configuration for providing a predetermined data communication service for providing a customized service.

According to another exemplary embodiment of the present invention, when a small repeater is provided at an affiliate store corresponding to the wireless payment program, the small repeater is connected to the wireless processing unit 730 and the wireless terminal 700 is provided with the customer wireless terminal 700. It is possible to confirm (or a customer corresponding to the wireless terminal 700) entered the affiliated store.

The wireless communication network to which the wireless processing unit 730 is connected includes a cell including a plurality of base stations (or small repeaters), and the wireless processing unit 730 is connected to a channel with a predetermined base station (eg, wireless At least one forward channel and / or reverse channel for a wireless channel connection between the terminal 700 and a predetermined base station is connected to a cell area managed by another base station, and the wireless channel is handed off from the base station to another base station. (Handoff).

At this time, if it is assumed that the radio frequency range of the small repeater provided in the affiliated store is a small cell provided on the wireless communication network, when the customer wireless terminal 700 enters the affiliated store provided with the small repeater, it is the small repeater. From the standpoint, it is recognized that the wireless terminal 700 has moved to a cell managed by the small repeater.

Of course, in this case, when the small repeater operates as an effective small repeater on the wireless communication network, the small repeater may recognize the cell movement as described above and operate effectively.

Alternatively, although the small repeater is not a valid small repeater on the wireless communication network but a dummy repeater which only confirms that the customer wireless terminal 700 has entered the affiliated store, the small repeater may be configured such that the wireless terminal 700 is connected to the small repeater. Recognize that you have moved into a participating merchant.

At this time, the cell movement is determined according to the electric field strength, it is preferable that the small repeater maintains the electric field strength greater than the actual base station near the affiliated store.

When the small repeater is a valid small repeater on the wireless communication network according to an exemplary embodiment of the present invention, when the wireless terminal 700 enters an affiliated store provided with the small repeater, the wireless processing unit 730 is located near the affiliated store. Receives and stores a NLM (Neighbor List Message) including a PN offset and frequency-related information for the small repeater through a page channel connected to a base station, whereby the wireless terminal 700 receives the small repeater. The wireless terminal 700 is recognized when entering the managed cell area.

In order to recognize the entry into the wireless terminal 700, the small repeater maintains a greater electric field strength than a neighboring base station, and when the wireless terminal 700 enters a cell area managed by the small repeater (for example, the affiliate store) When the electric field strength of the small repeater becomes larger than the field strength of the neighboring base station), the wireless terminal 700 checks the information on the small repeater with reference to the NLM, and predetermined handoff for handoff from the base station near the affiliated store to the small repeater. A PSMM is generated and transmitted to the base station near the affiliated store, wherein the PSMM includes information about the base station near the affiliated store where the channel is connected to the wireless terminal 700 and the small base station related information to be handed off by the wireless terminal 700.

According to another exemplary embodiment of the present invention, when the small repeater is a dummy repeater for recognizing that the wireless terminal 700 enters the affiliated store, the wireless processor 730 searches for a pilot channel for the small repeater. And / or requesting a pilot strength measurement message (PSMM) for all the wireless terminals 700 entering the affiliated store from the small repeater, wherein the wireless terminal 700 includes the small repeater. When entering the cell area managed by the wireless terminal 700 is recognized.

When the wireless terminal 700 recognizes that the wireless terminal 700 enters into the affiliated store in the small repeater as described above, dynamic identification information (eg, NID (Network ID) for the wireless terminal 700 registered in the base station near the affiliated store) is recognized. )) Is provided to the small repeater, wherein the small repeater matches information of the wireless terminal 700 that is matched with the dynamic identification information from the subscriber D / B (or HLR / VLR) on the mobile communication network through the dynamic identification information. For example, by requesting and receiving a mobile identification number (MIN), it is possible to check the customer wireless terminal 700 information (or the customer corresponding to the customer wireless terminal 700) entered into the affiliated store.

The short range communication unit 735 may include infrared ray communication and / or radio frequency (RF) communication and / or Bluetooth and / or wireless LAN and / or Wi-Fi and ultra-wideband. A terminal (or device) and a short range wireless communication session are connected through at least one short range wireless communication means including an ultra wide band (UWB). The infrared communication, the RF communication, It includes a predetermined short range wireless communication module for short range wireless communication including Bluetooth, WLAN, Wi-Fi, and ultra-wideband communication, and includes a communication protocol and / or driver for the short range wireless communication in software.

According to an exemplary embodiment of the present invention, when the customer enters an affiliate store corresponding to the wireless payment program, the near field communication unit 735 may communicate with a predetermined near field device 740 provided in the affiliate store. By connecting a session and performing the function of providing the wireless terminal 700 information to the local area device 740 through the short-range wireless communication session, the customer wireless terminal 700 equipped with the wireless payment program to the affiliated store (Or a customer corresponding to the wireless terminal 700) is preferably confirmed to enter.

In addition, the short-range communication unit 735 has to pay a predetermined amount after the customer wireless terminal 700 (or a customer corresponding to the wireless terminal 700) equipped with the wireless payment program enters the affiliated store. In this case, it is preferable to perform a function of receiving a predetermined payment amount from the local area device 740 provided in the affiliated store.

According to another exemplary embodiment of the present disclosure, when the customer enters a parking lot of an affiliated store corresponding to the wireless payment program, the short range communication unit 735 may be provided with a predetermined short distance device 740 provided in the parking lot. By connecting a short-range wireless communication session and providing the wireless terminal 700 information (or parking ticket information) to the local device 740 through the short-range wireless communication session, the customer through the wireless payment program It is desirable to use the parking ticket service during the service.

The memory unit 755 is input and output when an operation by a predetermined program routine (or code) and / or program data (eg, a program routine (or code)) for controlling the overall operation of the wireless terminal 700 is performed. General term for memory devices that store information and / or data; read-only memory (ROM) corresponding to read-only memory, flash memory (FM) for read / write, and electrically erasable and programmable read Only Memory). In general, the ROM stores system information that should not be deleted, and the flash memory stores operating system routines, call processing program routines, and / or application program routines provided through the wireless terminal 700 and information or data therefor. The EEPROM stores at least one information and / or data extracted and / or generated during the execution of an application included in the terminal registration-related parameters and a telephone number (eg, an address book) or the wireless terminal 700. Stored.

According to a preferred embodiment of the present invention, the memory unit 755 is a customer-specific wireless payment program code that provides a customer-specific wireless payment function (VM) for providing the wireless payment service and customer-specific services for the customer Preferably, the customer-specific wireless payment program code is preferably executed and loaded into the controller 705.

According to an exemplary embodiment of the present invention, the memory unit 755 may determine at least one merchant store used in a process of providing a customer-specific wireless payment program for providing a customer-specific wireless payment service and a customer-specific service. It is desirable to store information about the server and server.

In this case, the affiliated store information is preferably made by the customer-only wireless payment program includes merchant-specific information (or identification information) for identifying the merchant that can be provided with the customer-specific wireless payment service and customer service.

The server information also includes network address information for at least one server to which the customer only wireless payment program should connect to provide at least one or more wireless payment services, and / or to provide at least one or more custom services. It is preferable to make it.

According to an embodiment of the present invention, when at least one wireless payment service and at least one customer-customized service are both provided by a predetermined wireless payment server, the server information includes network address information of the wireless payment server. desirable.

According to another exemplary embodiment of the present invention, at least one wireless payment service is provided by a predetermined wireless payment server, and at least one other server (for example, a separate customer-customized server or the merchant server) in addition to the wireless payment server. When all of the above-described customized services are provided, it is preferable that the server information includes network address information of the wireless payment server and network address information of the other server.

According to another exemplary embodiment of the present invention, the memory unit 755 may simplify the information input procedure of the customer in the process of providing the at least one wireless payment service for the customer by the customer-only wireless payment program, And / or at least one wireless payment information for performing a non-face-to-face authentication procedure corresponding to the wireless payment service.

According to an embodiment of the present invention, the wireless payment information for simplifying the information input procedure of the customer may include the customer payment means information (for example, account transfer payment information (customer account number, etc.) based on a customer financial account), Or check card payment means information (check card number and expiration date, etc.) associated with the customer financial account, or debit card payment means information (debit card number and expiration date, etc.) associated with the customer financial account, or the customer finance Credit card payment means information (credit card number and expiration date, etc.) using the account as a settlement processing account, thereby, to the customer through the wireless payment program provided in the wireless terminal 700 In the process of providing at least one wireless payment service, the process of inputting the customer payment means information is omitted. , Automatic input processing is possible.

According to another exemplary embodiment of the present invention, when a predetermined financial IC chip is provided in the wireless terminal 700, customer interest payment information (for example, account transfer payment information based on a customer financial account (customer account number) Etc.), or check card payment method information (check card number and expiration date, etc.) associated with the customer financial account, or debit card payment method information (debit card number and expiration date, etc.) associated with the customer financial account, or Credit card payment means information (credit card number and expiration date, etc.) using the customer's financial account as a settlement account may be provided in the financial IC chip, and thus the present invention is not limited thereto.

Those skilled in the art to which the present invention pertains will be able to infer various types of wireless payment information in addition to the wireless payment information to simplify the information input procedure of the customer as described above, the present invention is inferred It is characterized by including all of the implementation methods.

The wireless payment information may include at least one non-face-to-face authentication information (eg, at least one encryption key / decryption key, security code information, or OTP generator) for performing a non-face-to-face authentication procedure corresponding to the wireless payment service. It is preferable that it further comprises).

According to another exemplary embodiment of the present invention, the memory unit 755 may simplify the information input procedure of the customer in the process of providing the at least one customer-customized service for the customer by the wireless payment program for the customer only. It is preferable to store at least one or more parameter information.

Here, the parameter information may be various parameters (eg, a service connection address, the service is the customer-only wireless payment that the customer should provide to the server in order to receive a coupon or the parking ticket through the customer-only wireless payment program). Preferably, the wireless terminal 700 may include system information (eg, screen resolution, color depth, etc.) that may be optimized and provided through the wireless terminal 700 having a program installed thereon. In the process of using the at least one customer-customized service through the wireless payment program provided in the), a part (or all) of the process of inputting various parameters may be omitted, and automatic input processing may be performed.

The camera unit 745 reads raster based CCD image information from a camera including a predetermined optical unit and a charge coupled device (CCD) device in a bitmap manner, and inputs the image information to the controller 705. Characterized in that.

According to the present invention, the wireless terminal 700 comprises at least one function component corresponding to a customer-specific wireless payment program function mounted through the program providing system shown in FIGS. 3 and / or 5. It is done.

Referring to FIG. 7, at least one function configuration unit corresponding to a customer-only wireless payment program function mounted in the wireless terminal 700 outputs at least one wireless payment service screen in association with the screen output unit 710. Or / or at least one key data for providing the wireless payment service and / or the customized service in connection with the information output unit 760 for outputting at least one or more customized service screens and the key input unit 720. The information input unit 765 for receiving the information, the wireless processing unit 730 in connection with the predetermined wireless payment server and the communication channel via the wireless communication network, and through the communication channel information registration system shown in FIG. The wireless payment unit 770 performs at least one wireless payment procedure corresponding to the wireless payment function information registered through Connect a communication channel with at least one server (eg, a wireless payment server, a customer-customized server, or a merchant server, etc.) that provides the customer-customized service through the wireless communication network in connection with a wireless processor 730, and the communication It is characterized in that it comprises a custom service unit 775 for performing at least one or more custom service procedures corresponding to the custom menu information registered through the information registration system shown in Figure 1 through the channel.

According to the present invention, it is characterized in that it further comprises a driver 780 for automatically driving the wireless payment program in conjunction with the wireless processing unit 730 and / or the short-range communication unit 735.

According to an exemplary embodiment of the present invention, the driving unit 780 connects the predetermined short distance device 740 with the short range communication unit 740 provided in the affiliated store to the short range wireless communication session. When the wireless terminal 700 information is provided to the local area device 740 through the wireless terminal 700, the wireless payment screen and / or the customized service screen of the wireless payment program may be output through the information output unit 760. Do.

Alternatively, the driver 780 connects the predetermined short distance device 740 with the short distance wireless communication session provided in the affiliated store by the short distance communication unit 735, and the short distance device 740 through the short distance wireless communication session. When a predetermined payment amount is received, the wireless payment screen of the wireless payment program may be output through the information output unit 760.

Alternatively, the driver 780 connects the predetermined short distance device 740 with the short distance wireless communication session provided in the parking lot of the affiliated store by the short distance communication unit 735, and the short distance device through the short distance wireless communication session. When the wireless terminal 700 information is provided to the terminal 740, it is preferable to output a service screen related to a parking ticket of the wireless payment program through the information output unit 760.

According to another exemplary embodiment of the present invention, a small repeater provided in the affiliated store (or affiliated parking lot) detects a radio frequency signal periodically transmitted by the radio processor 730, and transmits the radio frequency signal on the wireless communication network. After confirming the customer wireless terminal 700 information in association with a database (eg, subscriber D / B), and transmitting a predetermined wireless payment program driving message based on the customer wireless terminal 700 information, the driver ( 780 may output a wireless payment screen and / or a customized service screen of the wireless payment program through the information output unit 760 in response to the wireless payment program driving message.

Alternatively, a small repeater provided in the affiliated store detects a radio frequency signal periodically transmitted by the radio processor 730, and links the radio frequency signal with a database (eg, subscriber D / B) on the wireless communication network. After checking the customer wireless terminal 700 information, when the predetermined payment amount information is transmitted based on the customer wireless terminal 700 information, the driver 780 is the information output unit (corresponding to the payment amount information) It is preferable to output the wireless payment screen of the wireless payment program through 760.

The information output unit 760 outputs at least one wireless payment screen generated by the wireless payment unit 770 (or received from a predetermined wireless payment server) in association with the screen output unit 710. It is done.

The wireless payment screen output by the information output unit 760 may include at least one wireless payment related information output screen generated by the wireless payment unit 770 (or received from a predetermined wireless payment server), and the wireless payment screen. Preferably, the payment unit 770 includes at least one user interface for inputting (or selecting) at least one wireless payment information to a predetermined wireless payment server.

When at least one wireless payment information is stored in the memory unit 755 according to an embodiment of the present invention, the user interface includes a predetermined corresponding to the user interface among at least one wireless payment information stored in the memory unit 755. Wireless payment information is preferably extracted and automatically entered.

In addition, the information output unit 760 is at least one generated by the personalized service unit 775 (or received from a predetermined wireless payment server and / or custom server, etc.) in conjunction with the screen output unit 710 It is characterized by outputting the above-described customized service screen.

Here, the customer service screen output by the information output unit 760 provides at least one or more information generated by the personalization service unit 775 (or received from a predetermined wireless payment server and / or customer service server, etc.). A screen, and the personalized service unit 775 inputs (or selects) at least one or more personalized service request information to a predetermined wireless payment server and / or a custom server, or transmits the wireless payment server and / or a customer. Input (or select) and transmit at least one or more customized service registration information (for example, various types of information transmitted from the wireless terminal 700 to the wireless payment server and / or a customized server for registration) for a customized service. At least one user interface is preferably included.

When at least one parameter information is stored in the memory unit 755 according to an embodiment of the present invention, the user interface includes predetermined parameters corresponding to the user interface among at least one parameter information stored in the memory unit 755. Preferably, the information is extracted and automatically entered.

The information output unit 760 outputs a user interface for the wireless payment unit 770 to input (or select) and transmit at least one or more wireless payment information to a predetermined wireless payment server, and / or the information. By the output unit 760, the personalization service unit 775 inputs (or selects) at least one or more personalized service request information to a predetermined wireless payment server and / or a customized server, or transmits the wireless payment server. And / or when a user interface for inputting (or selecting) at least one or more personalized service registration information is transmitted to a customer-customized server, the information input unit 765 may be connected to the key input unit 720 to perform the wireless payment. At least one key data for providing a service and / or a customized service is received and provided to the user interface (or Force) is characterized in that.

At least one key data input (or provided (or output) to the user interface) through the information input unit 765 may include at least one or more wireless payment information corresponding to each user interface, and / or customized service request information and / or Or it is preferable to correspond to the customized service registration information.

At least one wireless payment service (eg, corresponding to wireless payment function information registered through the information registration system shown in FIG. 1) that may be provided through the wireless payment unit 770 by the information output unit 760. Among the at least one wireless payment function, a predetermined user interface corresponding to a predetermined wireless payment service provided through the wireless payment unit 770 is output and is stored in the memory unit 755 in the user interface. When at least one wireless payment information is extracted and automatically input, and / or when at least one wireless payment information is input to the user interface by the information input unit 765, the wireless payment unit 770 may be configured to be used by the user. According to the wireless payment-based non-face-to-face financial transaction process, at least one wireless payment information entered into the interface By sending a predetermined wireless payment server, characterized in that the at least one financial transaction processing corresponding to the wireless payment information via the wireless payment server.

According to an embodiment of the present invention, when at least one wireless payment information is input to the user interface and the communication channel is not connected to the wireless payment server, the wireless payment unit 770 is the wireless processor 730. It is preferable to connect a communication channel with a predetermined wireless payment server through the wireless communication network in conjunction with

According to another exemplary embodiment of the present invention, when at least one wireless payment information is input to the user interface and the communication channel is already connected to the wireless payment server, the wireless payment unit 770 is the wireless processing unit. In connection with 730, a process of connecting a predetermined wireless payment server and a communication channel through the wireless communication network may be omitted, and the present invention is not limited thereto.

Thereafter, the wireless payment unit 770 transmits the input wireless payment information to a predetermined wireless payment server according to a wireless payment-based non-face-to-face financial transaction procedure through the communication channel, thereby performing the wireless payment through the wireless payment server. Characterize at least one financial transaction corresponding to the information.

According to an embodiment of the present invention, the wireless payment unit 770 encrypts the wireless payment information by at least one encryption (eg, secret key (or symmetric key) encryption, and / or public key encryption, and / or electronic envelope encryption). And / or encrypt the data according to a method such as key exchange encryption) and transmit the encrypted data to the wireless payment server, and then the wireless payment server decrypts the received wireless payment information at least one or more corresponding to the encryption method. , Secret key (or symmetric key) decryption, and / or public key decryption, and / or electronic envelope decryption, and / or key exchange decryption.

In addition, the wireless payment unit 770 preferably attaches the electronic signature of the customer to the wireless payment information according to a predetermined digital signature procedure, and then the wireless payment server is attached to the received wireless payment information It is desirable to verify the customer's digital signature.

In addition, the wireless payment unit 770 generates a predetermined OTP code, and attaches the generated OTP code to the wireless payment information, and then the wireless payment server is a predetermined OTP matching the OTP code It is preferable to generate an authentication code and compare and authenticate with the received OTP code.

At least one or more customized services that can be provided through the wireless payment unit 770 by the information output unit 760 (eg, at least corresponding to a customized menu registered through the information registration system shown in FIG. 1). At least one user interface corresponding to a predetermined customer service provided through the personalized service unit 775 is output, and is stored in the memory unit 755 in the user interface. When one or more parameter information is extracted and automatically input, and / or at least one or more parameter information and / or custom service request information and / or custom service registration information are input to the user interface by the information input unit 765, The personalized service unit 775 is at least one input to the user interface Sending the parameter information and / or the customized service request information and / or the customized service registration information to a predetermined wireless payment server and / or a customized server, thereby providing the parameter information and / or via the wireless payment server and / or the customized server. At least one financial transaction corresponding to the customized service request information and / or the customized service registration information.

According to an embodiment of the present invention, a communication channel with the wireless payment server and / or the customized server in a state in which at least one or more parameter information and / or customized service request information and / or customized service registration information are input to the user interface. When not connected, the personalized service unit 775 may connect a communication channel with a predetermined wireless payment server and / or a customer personalized server through the wireless communication network in connection with the wireless processing unit 730.

According to another embodiment of the present invention, at least one parameter information and / or customized service request information and / or customized service registration information are input into the user interface, and the wireless payment server and / or the customized server are communicated. If the channel is already connected, the customized service unit 775 omits the process of connecting a communication channel with a predetermined wireless payment server and / or a customized server through the wireless communication network in connection with the wireless processing unit 730. The present invention is not limited thereto.

Thereafter, the personalized service unit 775 transmits the input parameter information and / or personalized service request information and / or personalized service registration information to the wireless payment server and / or the personalized server through the communication channel. And providing at least one customized service corresponding to the parameter information and / or the customized service request information and / or the customized service registration information through a wireless payment server and / or a customized server.

8 is a view illustrating a customer wireless terminal 700 recognition and merchant authentication process using short-range communication according to an embodiment of the present invention.

In more detail, FIG. 8 illustrates that when the wireless terminal 700 illustrated in FIG. 7 enters an affiliated store provided with a predetermined short range device 740, the wireless terminal 700 and the short range device 740 may have a predetermined short range. The short-range device 740 recognizes the customer wireless terminal 700 in association with a communication standard, and the affiliated point in the wireless terminal 700 is provided through the program providing system illustrated in FIGS. 3 and / or 5. As a process of authenticating whether wireless payment can be processed through a wireless payment program provided in the wireless terminal 700, specifically, the short-range device 740 provided in the affiliated store detects the wireless terminal 700. It shows the process of recognition.

Those skilled in the art to which the present invention pertains can refer to and / or modify this drawing 8 to infer various implementation methods for the customer wireless terminal 700 recognition and merchant authentication process using short-range communication. However, the present invention includes all the implementation methods inferred above, the technical features are not limited only to the implementation method shown in FIG.

Referring to FIG. 8, a short distance communication standard (for example, an infrared ray communication standard, an RF (Radio Frequency) communication standard, or a Bluetooth) is provided in a short distance device 740 provided in the affiliated store (or the parking lot of the affiliated store). (3) and / or the drawings according to the (BlueTooth) communication standard, or the wireless LAN communication standard, the Wi-Fi communication standard, or the ultra wide band (UWB) communication standard). The wireless terminal 700 provided with the wireless payment program provided in the wireless terminal 700 is detected through the program providing system illustrated in FIG. 5 to determine whether a predetermined short distance communication channel is connected (800).

Those skilled in the art to which the present invention pertains, may be familiar with the technical features of the short-range device 740 detects the wireless terminal 700 to connect the short-range communication channel according to the short-range communication standard. Therefore, detailed description thereof will be omitted for convenience.

If the short-range communication channel connection is confirmed (805), the short-range device 740 transmits the predetermined merchant information to the wireless terminal 700 via the short-range communication channel (810), and correspondingly the wireless terminal The 700 confirms the validity of the affiliate store information through the wireless payment program (815).

According to an embodiment of the present invention, the wireless terminal 700 confirms the validity of the affiliated store information by comparing the affiliated store information stored in the memory unit 755 with the received affiliated store information through the wireless payment program. It is preferable.

If the validity of the affiliated store information is not authenticated (820), the wireless terminal 700 generates predetermined merchant error information and transmits the predetermined affiliated store information to the local area device 740 through the local area communication channel (825).

On the other hand, if the validity of the merchant information is authenticated (820), the wireless terminal 700 transmits the wireless terminal 700 information to the local area device 740 through the wireless payment program (830), the wireless By outputting a wireless payment screen (or a customized service screen) corresponding to the payment program (835), the wireless payment function and / or the customized service function of the wireless payment program is activated.

9 is a view showing a customer wireless terminal 700 recognition and merchant authentication process using short-range communication according to another embodiment of the present invention.

In more detail, in FIG. 9, when the wireless terminal 700 illustrated in FIG. 7 enters an affiliated store provided with a predetermined short range device 740, the wireless terminal 700 and the short range device 740 may have a predetermined short range. The short-range device 740 recognizes the customer wireless terminal 700 in association with a communication standard, and the affiliated point in the wireless terminal 700 is provided through the program providing system illustrated in FIGS. 3 and / or 5. As a process for authenticating whether a wireless payment can be processed through a wireless payment program provided in the wireless terminal 700, specifically, the wireless terminal 700 detects a short range device 740 provided in the affiliate store. It shows the process of recognition.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 9 to infer various implementation methods for the customer wireless terminal 700 recognition and merchant authentication process using short-range communication. However, the present invention includes all the implementation methods inferred above, and the technical features are not limited only to the implementation method shown in FIG.

Referring to FIG. 9, the wireless terminal 700 may have a predetermined short range communication standard (eg, an infrared ray communication standard, an RF (Radio Frequency) communication standard, a Bluetooth (BlueTooth) communication standard, or a wireless LAN ( The local area device 740 provided at the affiliated store (or affiliated parking lot) through a wireless LAN communication standard, a Wi-Fi communication standard, or an ultra wide band (UWB) communication standard). In operation 900, it is detected whether a predetermined short range communication channel is connected.

Those skilled in the art to which the present invention pertains know the technical features of connecting the short range communication channel by detecting the short range device 740 by the wireless terminal 700 according to the short range communication standard. Therefore, detailed description thereof will be omitted for convenience.

If the short-range communication channel connection is confirmed (905), the wireless terminal 700 requests a predetermined affiliated store information to the short-range device 740 via the short-range communication channel (910), and corresponding to the short-range device In operation 915, the affiliate store information is transmitted to the wireless terminal 700 through the short range communication channel.

Thereafter, the wireless terminal 700 receives the affiliated store information from the near field device 740 through the near field communication channel and checks the validity of the affiliated store information through the wireless payment program (920).

According to an embodiment of the present invention, the wireless terminal 700 confirms the validity of the affiliated store information by comparing the affiliated store information stored in the memory unit 755 with the received affiliated store information through the wireless payment program. It is preferable.

If the validity of the affiliated store information is authenticated (920), the wireless terminal 700 transmits the wireless terminal 700 information to the local device 740 through the wireless payment program (930), the wireless By outputting a wireless payment screen (or a customized service screen) corresponding to the payment program (935), the wireless payment function and / or the customized service function of the wireless payment program is activated.

10 is a view illustrating a customer wireless terminal 700 recognition and merchant authentication process using a small repeater according to another embodiment of the present invention.

In more detail, in FIG. 10, when the wireless terminal 700 illustrated in FIG. 7 enters an affiliated store equipped with a predetermined small repeater, the small repeater recognizes the wireless terminal 700 based on wireless channel information. A process of authenticating, at the wireless terminal 700, whether the affiliated store can process wireless payment through a wireless payment program provided in the wireless terminal 700 through the program providing system illustrated in FIGS. 3 and / or 5. For those of ordinary skill in the art to which the present invention pertains, various implementation methods for a customer wireless terminal 700 recognition and merchant authentication process using a small repeater by referring to and / or modifying the present drawing 10 will be described. It may be inferred, but the present invention includes all the implementation methods inferred, and the technical features thereof are only shown in the implementation method shown in FIG. This is not limited.

Referring to FIG. 10, it is checked whether a wireless channel connected to a predetermined wireless terminal 700 and a base station on the wireless communication network is detected in the small repeater provided in the affiliated store (or parking lot of the affiliated store) (1000).

The wireless communication network connected to the wireless terminal 700 includes a cell including a plurality of base stations (or small repeaters), and the wireless terminal 700 is connected to a predetermined base station and a channel (for example, wireless When the at least one forward channel and / or reverse channel for the wireless channel connection between the terminal 700 and a predetermined base station is connected to a cell area managed by another base station, the wireless channel is handed from the base station to another base station. Handoff.

At this time, if it is assumed that the radio frequency range of the small repeater provided in the affiliated store is a small cell provided on the wireless communication network, when the customer wireless terminal 700 enters the affiliated store provided with the small repeater, it is the small repeater. From the standpoint, it is recognized that the wireless terminal 700 has moved to a cell managed by the small repeater.

Of course, in this case, when the small repeater operates as an effective small repeater on the wireless communication network, the small repeater may recognize the cell movement as described above and operate effectively.

Alternatively, although the small repeater is not a valid small repeater on the wireless communication network but a dummy repeater which only confirms that the customer wireless terminal 700 has entered the affiliated store, the small repeater may be configured such that the wireless terminal 700 is connected to the small repeater. Recognize that you have moved into a participating merchant.

At this time, the cell movement is determined according to the electric field strength, it is preferable that the small repeater maintains the electric field strength greater than the actual base station near the affiliated store.

When the small repeater is a valid small repeater on the wireless communication network according to the exemplary embodiment of the present invention, when the wireless terminal 700 enters an affiliated store provided with the small repeater, the wireless terminal 700 is located near the affiliated store. Receives and stores a NLM (Neighbor List Message) including a PN offset and frequency-related information for the small repeater through a page channel connected to a base station, whereby the wireless terminal 700 receives the small repeater. The wireless terminal 700 is recognized when entering the managed cell area.

In order to recognize the entry into the wireless terminal 700, the small repeater maintains a greater electric field strength than a neighboring base station, and when the wireless terminal 700 enters a cell area managed by the small repeater (for example, the affiliate store) When the electric field strength of the small repeater becomes larger than the field strength of the neighboring base station), the wireless terminal 700 checks the information on the small repeater with reference to the NLM, and predetermined handoff for handoff from the base station near the affiliated store to the small repeater. A PSMM is generated and transmitted to the base station near the affiliated store, wherein the PSMM includes information about the base station near the affiliated store where the channel is connected to the wireless terminal 700 and the small base station related information to which the wireless terminal 700 intends to hand off.

According to another exemplary embodiment of the present invention, when the small repeater is a dummy repeater for recognizing that the wireless terminal 700 enters the affiliated store, the wireless terminal 700 performs a pilot channel search process for the small repeater. And / or requesting a pilot strength measurement message (PSMM) for all wireless terminals 700 entering the affiliated store from the small repeater. Upon entering the cell area managed by the repeater, the wireless terminal 700 is recognized.

If the wireless channel detection is confirmed (1005), the small repeater (or the small repeater management device, or the small repeater management server, etc.) is the dynamic identification information of the wireless terminal 700 from the detected wireless channel (for example, wireless Extracts the NID information of the terminal 700 (1010), and information of the wireless terminal 700 that matches the dynamic identification information of the wireless terminal 700 from the subscriber D / B (or HLR / VLR) on the wireless communication network. (Eg, Mobile Identification Number (MIN)) is checked (1015).

According to an exemplary embodiment of the present invention, when the wireless terminal 700 recognizes that the wireless terminal 700 enters the affiliated store in the small repeater, dynamic identification information (for example, the wireless terminal 700 registered in the base station near the affiliated store) And a NID (Network ID) is provided to the small repeater, wherein the small repeater is matched with the dynamic identification information from the subscriber D / B (or HLR / VLR) on the mobile communication network through the dynamic identification information. (700) By requesting and receiving information (eg, a mobile identification number (MIN)), the customer wireless terminal 700 information (or a customer corresponding to the customer wireless terminal 700) entered into the affiliated store can be checked. .

Thereafter, the small repeater (or the small repeater management device or the small repeater management server, etc.) transmits the affiliated store information to the wireless terminal 700 through the wireless communication network based on the wireless terminal 700 information (1020). In response, the wireless terminal 700 confirms the validity of the affiliate store information through the wireless payment program (1025).

According to an embodiment of the present invention, the wireless terminal 700 confirms the validity of the affiliated store information by comparing the affiliated store information stored in the memory unit 755 with the received affiliated store information through the wireless payment program. It is preferable.

If the validity of the affiliated store information is authenticated (1030), the wireless terminal 700 outputs a wireless payment screen (or a customized service screen) corresponding to the wireless payment program (1035), the wireless of the wireless payment program Activate the payment function and / or custom service function.

11 is a diagram illustrating a custom wireless payment system configuration for providing a customer-specific wireless payment service and a customer-customized service according to an embodiment of the present invention.

In more detail, FIG. 11 illustrates a wireless service providing customer-specific wireless payment service and customer-customized service to the customer wireless terminal 700 shown in FIG. 7 through the program providing system shown in FIGS. 3 and / or 5. When a payment program is provided, the wireless payment system for providing a wireless payment service and a personalized service for the customer through the wireless payment program, specifically, a wireless payment server for providing a wireless payment service for the customer (1100) It shows an implementation method provided with a functional configuration to provide the customer service.

For those skilled in the art to which the present invention pertains, various implementation methods for constructing a customized wireless payment system for providing a wireless payment service and a customized service for the customer by referring to and / or modifying the drawing 11 are provided. It may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

Referring to FIG. 11 according to an embodiment of the present invention, the wireless payment service for the customer and the customized wireless payment system for providing the personalized service provide the wireless payment service and the customized service to the customer through a predetermined wireless communication network. At least one wireless terminal 700 having a wireless payment program provided therein and a wireless payment service and a customized service for customers in connection with a wireless payment program provided in the wireless terminal 700 through a predetermined wireless communication network. The wireless payment server 1100 and the wireless payment server 1100 in connection with a wireless payment program provided in the wireless terminal 700 to provide a wireless payment service to a customer through a predetermined interface means. A financial system connected to a payment server 1100 and the wireless payment server 1100 are configured in the wireless terminal 700. And a storage medium 1145 storing at least one or more customized service information for providing a customized service in connection with the non-wireless payment program.

The wireless terminal 700 is a mobile communication terminal operating based on a Code Division Multiple Access (CDMA) stack, and / or a portable Internet terminal operating based on an IEEE 802.16x standard, and / or based on an IEEE 802.11x standard. Characterized in that it comprises at least one or more of the operating wireless LAN terminal, characterized in that the wireless terminal 700 is provided with a wireless payment program for providing the customer-specific wireless payment service and customer service. .

According to an embodiment of the present invention, when the wireless terminal 700 is a CDMA stack-based mobile communication terminal, the wireless communication network to which the wireless terminal 700 is connected may include the CDMA stack-based mobile communication network. According to the intention of the person skilled in the art, the mobile communication network may further include a HSDPA (High Speed Downlink Packet Access) communication standard, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, when the wireless terminal 700 is an IEEE 802.16x based portable Internet terminal, the wireless communication network to which the wireless terminal 700 is connected includes the IEEE 802.16x based portable Internet. It is preferable.

According to another exemplary embodiment of the present invention, when the wireless terminal 700 is an IEEE 802.11x based wireless LAN terminal, the wireless communication network to which the wireless terminal 700 is connected comprises the IEEE 802.11x based wireless LAN. It is preferable.

According to the present invention, the wireless payment program provided in the wireless terminal 700 is a predetermined wireless payment server through a wireless communication network to which the wireless terminal 700 is connected by using a wireless communication function provided in the wireless terminal 700. 1100 and the wireless payment service to the customer and a communication channel for providing a customized service.

According to the present invention, the wireless payment program provided in the wireless terminal 700 is a predetermined wireless payment server through a wireless communication network to which the wireless terminal 700 is connected by using a wireless communication function provided in the wireless terminal 700. The wireless payment request information is transmitted to the wireless payment server 1100 through the communication channel in order to provide the wireless payment service to the customer in connection with the operation 1100, and receives the wireless payment request information. The wireless payment server 1100 performs a wireless payment procedure using a customer payment means corresponding to the wireless payment request information in connection with a predetermined financial system by referring to at least one or more wireless payment information included in the wireless payment request information. It is characterized by performing.

The wireless payment request information may include an account transfer payment method based on a customer financial account, a check card payment method associated with the customer financial account, a debit card payment method associated with the customer financial account, or the customer financial account. Customer payment means information (e.g., account number (card number) and card expiration date, etc.) including at least one credit card payment method, etc. used as a settlement account; and the payment information (e.g., payment amount, merchant information, etc.) It is preferable to comprise a.

In addition, the wireless payment request information preferably comprises a predetermined wireless payment authentication information input through a predetermined key input means provided in the wireless terminal 700, wherein the wireless payment authentication information is the customer payment Account password (or card password) corresponding to the means, and / or payment password (e.g., account transfer password, etc.) corresponding to the wireless payment requested through the wireless payment request information, and / or security code (e.g. And a security code printed on the issued security card, and / or a combination of at least two security codes), and / or at least one OTP code generated through a predetermined one time password (OTP) generator. .

According to the present invention, the wireless payment program provided in the wireless terminal 700 is a predetermined wireless payment server through a wireless communication network to which the wireless terminal 700 is connected by using a wireless communication function provided in the wireless terminal 700. In order to access a customer service (eg, provide a coupon or provide a parking ticket, etc.) by accessing the device 1100, the mobile device may transmit predetermined customer service request information to the wireless payment server 1100 through the communication channel. do.

The wireless payment server 1100 that receives the customized service request information according to an exemplary embodiment of the present invention stores a storage medium 1145 that stores at least one or more customized service information (eg, coupon information or parking ticket information). It is preferable to extract predetermined customer service information to be transmitted to the wireless terminal 700 in association with the), and provide the extracted customer service information to the wireless terminal 700 through the communication channel.

Here, the customized service request information may be customized service request information (eg, coupon request information, parking ticket request information, etc.) matched with the customized service information (eg, coupon information, parking ticket information, etc.), and / or the customer. It is preferable to include at least one or more parameter information that must be transmitted to the wireless payment server 1100 to request customized service information.

According to the present invention, the wireless payment server 1100 connects a wireless payment program provided in the wireless terminal 700, a wireless payment service for the customer, and a communication channel for providing a personalized service through the wireless communication network. And a wireless payment interface unit 1105 for managing.

According to an embodiment of the present invention, a communication channel connected between the wireless payment program provided in the wireless terminal 700 and the wireless payment server 1100 by the wireless payment interface unit 1105 may be connected to the wireless payment program. And a data communication channel for transmitting and receiving at least one or more wireless payment request information (for example, wireless payment request information or wireless payment result information) through the financial transaction communication protocol defined between the wireless payment server 1100. It is preferable.

According to an embodiment of the present invention, at least one or more wireless payment request information transmitted and received through the communication channel is preferably encrypted and transmitted and received through at least one or more encryption schemes. The payment program and / or the wireless payment server 1100 may be provided with an encryption / decryption function for the wireless payment request information.

In addition, the wireless payment request information transmitted to the wireless payment server 1100 in the wireless payment program provided in the wireless terminal 700 through the communication channel is preferably attached to the electronic signature of the customer of the wireless terminal 700. To this end, the wireless payment program provided in the wireless terminal 700 is provided with an electronic signature attachment function for the wireless payment request information, the wireless payment server 1100 checks the electronic signature for the wireless payment request information It is preferable that a function is provided.

Referring to FIG. 11, the wireless payment server 1100 receives at least one or more wireless payment request information and / or customized service request information from the wireless terminal 700 through the wireless payment interface unit 1105. An information checking unit 1115 for confirming whether a wireless payment request information has been received through the information receiving unit 1110, or a customer service request information has been received through the information receiving unit 1110, and through the information checking unit 1115. When it is confirmed that the wireless payment request information has been received, at least one customer payment means information is extracted by reading the wireless payment request information, and a predetermined financial system is provided through a predetermined interface means based on the customer payment means information. And a payment processing unit 1120 for performing a wireless payment procedure corresponding to the wireless payment request information in connection with And an information transmission unit 1125 for generating wireless payment result information processed by the payment processing unit 1120 and providing the wireless terminal 700 to the wireless terminal 700 in conjunction with the wireless payment interface unit 1105. It is characterized by further comprising.

In addition, when the wireless payment server 1100 determines that the customer service request information has been received through the information checking unit 1115, the customer service request information is linked with the wireless payment interface unit 1105. The customer interface is provided through a wireless interface providing unit 1130 for providing a wireless interface corresponding to the wireless terminal 700 and a wireless interface provided by the wireless interface providing unit 1130 to the wireless terminal 700. It is characterized in that it comprises a custom service processing unit 1135 for providing at least one or more customized service corresponding to the service request information.

In addition, the wireless payment server 1100 authenticates the validity of the customer in connection with a predetermined customer information D / B (1150) to provide a wireless payment service and a personalized service for the customer through the wireless payment program. Characterized in that it further comprises a customer authentication unit 1140, the position of the customer information D / B (1150) is at least one to the customer through the wireless payment program provided in the customer wireless terminal 700 It is preferably provided in the wireless payment server 1100 that provides the above-described wireless banking service, or provided in the affiliated server server side provided in the affiliated store.

According to an embodiment of the present invention, when the customer information D / B 1150 is provided in the wireless payment server 1100, the wireless payment server 1100 in the wireless payment program provided in the wireless terminal 700. When the predetermined customer authentication information is provided, the customer authentication unit 1140 preferably authenticates the validity of the customer through the received customer authentication information in connection with the customer information D / B 1150. .

According to another exemplary embodiment of the present invention, when the customer information D / B 1150 is provided in a separate server (for example, the affiliated store server or DB server) in addition to the wireless payment server 1100, the wireless terminal. When the wireless payment program provided at 700 provides predetermined customer authentication information to the wireless payment server 1100, the customer authentication unit 1140 is provided with the customer information D / B 1150. And relaying the customer authentication information to a server, and receiving a customer authentication result corresponding to the phase customer authentication information from the separate server.

The information receiving unit 1110 is the wireless payment program is driven in the wireless terminal 700, at least one or more wireless payment request information for providing a wireless payment service to the customer through the wireless payment program input (or generated) When the data is transmitted through the wireless communication network, the wireless payment request information transmitted from the wireless terminal 700 is received through the wireless payment interface unit 1105.

According to an embodiment of the present invention, the wireless payment request information may include at least one encryption method (eg, secret key (or symmetric key) encryption method, and / or public key encryption method, and / or electronic envelope encryption) in the wireless payment program. And / or a key exchange encryption scheme, etc.), the information receiver 1110 further includes a function of decrypting the encrypted wireless payment request information by a predetermined decryption scheme corresponding to the encryption scheme. It is preferable to make it.

In addition, the information receiving unit 1110 is the wireless payment program is driven in the wireless terminal 700, at least one or more customer service request information for providing the customer service tailored to the customer through the wireless payment program input ( Or generated) and transmitted through the wireless communication network, the customized service request information transmitted from the wireless terminal 700 is received through the wireless payment interface unit 1105.

The information checking unit 1115 checks whether the wireless payment request information is received or the customer service request information is received through the information receiving unit 1110, and wireless payment through the information receiving unit 1110. When the request information is received, the wireless payment request information is provided to the payment processing unit 1120.

When it is confirmed that at least one or more wireless payment request information for providing the wireless payment service for the customer is received (or received and decoded) through the information receiving unit 1110, the payment processing unit 1120 determines from the wireless payment request information. At least one customer payment means information for providing a wireless payment service to the customer is characterized in that the extraction.

When at least one customer payment means information is extracted from the wireless payment request information, the payment processing unit 1120 provides a predetermined finance through a predetermined interface means (eg, an interface connecting the wireless payment server 1100 and a financial system). In connection with a system (e.g., a financial system having an account ledger corresponding to the customer financial account information, or a card ledger corresponding to a debit card and / or a credit card, etc. associated with the customer financial account). Based on the extracted customer payment means information, a predetermined wireless payment procedure for providing the wireless payment service for the customer is performed.

Referring to FIG. 11, the financial system opens (or issues) at least one financial account (or payment card) to at least one financial transaction customer, and provides at least one financial transaction service based on the financial account. It is a computerized system provided to financial institutions in order to provide accounting for processing of credit services such as credits or receptions or trusts or foreign exchanges occurring in at least one branch (or counter), processing of headquarters operations, branch information support, and customer information. At least one non-face-to-face financial transaction means (e.g., provided with an information system that processes management, an interconnection between the financial system and at least one other financial system (and / or payment system), and / or at least one external communication network. , Internet banking, wireless banking, IC chip based wireless banking, telebanking, TV banking, etc.) Access to the existing financial system, and / or the external system that provides a variety of financial transaction interface through at least one or more common network (eg, CD common network, financial common network), and the financial system is An interface module corresponding to a middleware platform that provides interfacing between components in the financial system, and predetermined information (eg, ledger information, and / or) required for each function in a component in the financial system. And a DBMS (DataBase Management System) including at least one database for storing and managing customer information, and / or management information).

In addition, the financial system is a foreign exchange module according to the intention of the skilled person and / or the type (eg, commercial bank, savings bank, trust bank) of each financial institution equipped with the financial system and the purpose and characteristics of the financial system. It is possible that at least one or more components, such as (not shown), investment finance module (not shown), international module (not shown) may be further included, and those skilled in the art to which the present invention pertains, Since you will be familiar with the technical details of the financial system, a detailed description thereof will be omitted for convenience, and the present invention is not limited thereto.

According to an embodiment of the present invention, the DBMS provided in the financial system may be configured by the financial institution to open at least one financial account to at least one financial transaction customer and provide at least one financial transaction service based on the financial account. And a ledger D / B for storing at least one ledger for providing, wherein the ledger D / B is at least one for processing at least one financial transaction to be provided to the financial transaction customer by the financial institution. The above ledger information (e.g., customer ledger, reception ledger, collateral ledger, etc.) and at least one ledger additional information corresponding to each ledger information (e.g., more specifically and / or supplementing the attributes / functions of each ledger) are relational It is characterized in that it is stored in association with (Relationship).

Those skilled in the art to which the present invention pertains correspond to at least one ledger information provided in the ledger D / B and each ledger information according to the type of each financial institution and the purpose and characteristic of the financial system. In addition to being familiar with at least one ledger additional information, each ledger information is linked and stored in a relational relation, and / or predetermined ledger information and at least one ledger additional information is stored in a relational relation Since it will be understood that the detailed description thereof will be omitted for convenience.

In addition, if a person having ordinary knowledge in the technical field to which the present invention belongs, the wireless system for providing a wireless payment service for the customer based on at least one or more customer payment means information for the wireless payment service for the customer in the financial system. Since you will be familiar with the embodiment of performing the payment procedure, a detailed description thereof will be omitted for convenience.

When the payment processing unit 1120 completes the wireless payment procedure for providing the wireless payment service to the customer in connection with the financial system, the information transmission unit 1125 may transmit a predetermined wireless payment history corresponding to the wireless payment procedure. It generates a wireless payment result information including, and transmits the generated wireless payment result information in conjunction with the wireless payment interface unit 1105 to the wireless terminal 700 through the wireless communication network.

According to the exemplary embodiment of the present invention, the wireless payment details include wireless payment approval details for a wireless payment procedure for providing a wireless payment service and a personalized service for the customer, or at least one wireless occurrence generated during the wireless payment procedure. It is desirable to include a payment error history.

The wireless terminal 700 having received the wireless payment result information from the wireless payment server 1100 through the wireless communication network reads the wireless payment details included in the received wireless payment result information through the wireless payment program. The wireless payment history information (for example, wireless payment approval history information or wireless payment error history information) is output to the screen output unit provided in the wireless terminal 700.

When it is confirmed through the information receiving unit 1110 that at least one or more customized service request information for providing the customized service to the customer is received, the information checking unit 1115 corresponds to the customized service request information. It is characterized by identifying the type of customized service.

According to an exemplary embodiment of the present invention, when the customized service corresponding to the customized service request information is a coupon providing service or a parking ticket providing service, the information checking unit 1115 reads the received customized service request information. It is characterized in that provided to the custom service processing unit 1135.

The personalized service processor 1135 stores at least one or more personalized service information (eg, coupon information, parking ticket information, etc.) to provide a coupon providing service or a parking ticket providing service corresponding to the customized service request information. Extracts predetermined customer service information (eg, coupon information, parking ticket information, etc.) corresponding to the customer service request information in association with the storage medium 1145, and extracts the extracted customer service information (eg, Coupon information, or parking ticket information) may be provided to the wireless terminal 700 through the communication channel.

According to the exemplary embodiment of the present invention, when the customer service information stored in the storage medium 1145 does not include a data structure that can be output through a wireless payment program provided in the wireless terminal 700, the personalization service. The service processor 1135 may further include converting a data structure of customer service information extracted from the storage medium 1145 into a data structure that can be output through a wireless payment program included in the wireless terminal 700. desirable.

For example, when the encoding method of the character information stored in the storage medium 1145 is not compatible with the wireless payment program provided in the wireless terminal, the personalized service processor 1135 may store the text information in the wireless manner. It is preferable to encode using an encoding method that can be output through a wireless payment program provided in the terminal.

Or, if the file format (or compression codec) of the image content and / or sound content and / or multimedia content stored in the storage medium 1145 is not compatible with the wireless payment program provided in the wireless terminal, the custom The service processor 1135 converts a file format (or compression codec) of the image content and / or sound content and / or multimedia content into a file format (or compression codec) that can be output through a wireless payment program included in the wireless terminal. It is desirable to.

According to another exemplary embodiment of the present invention, when the customized service corresponding to the customized service request information is an information registration service such as a predetermined bulletin board service, the information checking unit 1115 receives the received customized service request. It provides information to the air interface providing unit 1130.

The wireless interface providing unit 1130 generates predetermined wireless interface information that matches the wireless interface for inputting (or selecting) predetermined information corresponding to the customer service request information in a wireless payment program included in the wireless terminal. (Or extract) and transmit the data to the wireless terminal 700 through the communication channel.

For example, when the information registration service is a customer bulletin board service, the air interface information transmitted by the air interface provider 1130 to the wireless terminal 700 may include the customer bulletin board list information.

Thereafter, the wireless payment program included in the wireless terminal 700 inputs predetermined parameter information and / or customized service registration information corresponding to the customer service request information through a predetermined wireless interface corresponding to the wireless interface information. It is preferable to transmit (or select) to the wireless payment server 1100, and predetermined parameter information and / or customized service registration information corresponding to the customer service request information is transmitted through the wireless payment interface unit 1105. The predetermined parameter information and / or the customized service registration information received by the information receiving unit 1110 and corresponding to the customized service request information are provided to the customized service processor 1135.

When predetermined parameter information and / or customized service registration information corresponding to the customer service request information is received from the wireless payment program included in the wireless terminal 700, the personalized service processor 1135 may receive the received parameter. The personalized service registration information may be stored in a predetermined storage medium 1145 based on the information.

According to an embodiment of the present invention, the personalized service registration information stored in the storage medium 1145 corresponding to the information registration service is provided to another customer wireless terminal 700 through the information confirmation service, and / or Alternatively, at least one affiliated store terminal 1180 provided at the affiliated store may be checked.

According to the present invention, the wireless interface providing unit 1130 and / or the customized service processor 1135 included in the wireless payment server 1100 provides at least one or more customized services corresponding to the customized service request information. The storage medium 1145 used to store at least one customer service information registered through the affiliated store terminal 1180 and / or at least one customer service information registered through the customer wireless terminal 700 may be used. The storage medium 1145 may be provided in the wireless payment server 1100 or may be connected to the wireless payment server 1100, and thus the present invention is not limited thereto. All.

According to the exemplary embodiment of the present invention, the personalized service information stored in the storage medium 1145 may include at least one or more coupon information provided to the customer by the affiliate store (or franchise). The personalized service information including the information is preferably used by the personalized service processor 1135 to provide a coupon providing service to at least one customer wireless terminal 700 corresponding to the customer information.

Alternatively, the customized service information stored in the storage medium 1145 may include at least one parking ticket information provided to the customer at the affiliated store (or franchise), and the customer may include the parking ticket information. The personalized service information may be used by the personalized service processor 1135 to provide a parking ticket providing service to at least one customer wireless terminal 700 corresponding to the customer information.

Alternatively, the customized service information stored in the storage medium 1145 may include at least one bulletin board registration information registered through the affiliated store terminal 1180, and / or at least one registered through the customer wireless terminal 700. Preferably, the bulletin board registration information is included. The customized service information including the bulletin board registration information includes a predetermined bulletin board information registration service by the customized service processor 1135 to at least one customer wireless terminal 700. It is preferred to be used to provide.

Those skilled in the art to which the present invention pertains can infer various implementation methods for various information configurations for the customized service information stored in the storage medium 1145, but the present invention is inferred It is characterized by including all the implementation method.

According to the present invention, the customer-specific wireless payment system for providing the customer-specific wireless payment service and customer-customized service, receives at least one or more customer service information from the merchant terminal 1180 and stored in the storage medium 1145 Preferably, the information registration server 1155 is included.

The affiliated store terminal 1180 is a wired communication network based on Transmission Control Protocol / Internet Protocol (TCP / IP) (eg, Asymmetric Digital Subscriber Line (ADSL) / Very High-data Rate Digital Subscriber Line (VDSL) and / or cable communication network). At least one wired terminal including a desktop computer and / or a notebook that is connected to the information registration server 1155 is communicated via the preferred.

According to another embodiment of the present invention, the affiliated store terminal 1180 is a mobile communication terminal connected to a code division multiple access (CDMA) based mobile communication network (or a high speed downlink packet access (HSDPA) based mobile communication network), and / Or at least one wireless terminal including at least one portable Internet terminal connected to IEEE 802.16x based high speed wireless Internet, and / or a wireless LAN terminal connected to IEEE 802.11x based wireless LAN communication network. The present invention is not limited thereto.

The affiliated store terminal 1180 outputs at least one or more interface screens provided by the information registration server 1155, and inputs and / or selects at least one or more information through the interface screen to the information registration server 1155. It is preferable that a function configuration for transmitting (for example, a browser program and a communication function) is provided.

Those skilled in the art to which the present invention pertains can easily infer the characteristics of the affiliated store terminal 1180 corresponding to at least one or more wired terminals and / or wireless terminals, and thus, the detailed description thereof Omit for convenience.

According to an embodiment of the present invention, when the affiliated store terminal 1180 is a wired terminal, the network means includes the TCP / IP based wired communication network, and when the affiliated store terminal 1180 is a wireless terminal, The network means preferably comprises at least one of the CDMA based (or HSDPA based) mobile communication network, and / or IEEE 802.16x based high speed wireless Internet, and / or IEEE 802.11x based wireless LAN communication network.

According to an embodiment of the present invention, the information registration server 1155 communicates with the affiliated store terminal 1180 through the network unit in order to provide a web interface corresponding to the affiliated store terminal 1180 and a network unit. And an interface unit 1160 for connecting and managing a channel, whereby the information registration server 1155 is connected to the affiliated store terminal 1180 via a wired communication network and / or a wireless communication network. It has the function of the server 300.

According to an embodiment of the present invention, when the affiliated store terminal 1180 is a wired terminal to which a communication channel is connected through a TCP / IP based wired communication network, the interface unit 1160 may connect the affiliated store terminal 1180 with HTTP ( An interface screen and / or information providing screen in the form of a Hyper-Text Markup Language (HTML) compatible document is connected to the affiliated store terminal 1180 through a communication channel based on a Hyper-Text Transfer Protocol protocol. It is preferable to perform a function of transmitting and outputting and receiving and processing predetermined customer-customized service information input (or selected) from the affiliated store terminal 1180 through the interface screen.

According to another exemplary embodiment of the present invention, when the affiliated store terminal 1180 is a wireless terminal to which a communication channel is connected through a CDMA-based wireless communication network, the interface unit 1160 is connected to the affiliated store terminal 1180 and a WAP (Wireless). Connect a predetermined communication channel based on the Application Protocol and / or Mobile Explorer (ME) protocol, and the interface in the form of a Wireless Markup Language (WML) and / or HTML compatible document to the affiliated store terminal 1180 through the communication channel. It is preferable to perform a function of transmitting and outputting a screen and / or an information providing screen and receiving and processing predetermined customer service information corresponding to the interface screen from the affiliated store terminal 1180.

According to another exemplary embodiment of the present invention, when the affiliated store terminal 1180 is a wireless terminal to which a communication channel is connected through an IEEE 802.16x based wireless communication network, the interface unit 1160 may be connected to the affiliated store terminal 1180. Connect a predetermined communication channel based on a wireless protocol corresponding to the IEEE 802.16x standard, and transmit and output a predetermined interface screen and / or information providing screen to the affiliated store terminal 1180 through the communication channel, It is preferable to perform a function of receiving and processing predetermined customer service information corresponding to the interface screen from the merchant terminal 1180, and / or the merchant terminal 1180 communicates through an IEEE 802.11x based wireless communication network. If the channel is a wireless terminal connected, the interface unit 1160 is a wireless terminal corresponding to the merchant terminal 1180 and the IEEE 802.11x standard. Connect a predetermined communication channel based on a protocol, transmit and output a predetermined interface screen and / or information providing screen to the affiliated store terminal 1180 through the communication channel, and output the interface screen from the affiliated store terminal 1180. It is preferable to perform a function of receiving and processing predetermined customer-specific service information corresponding to.

Referring to FIG. 11, the information registration server 1155 cooperates with the interface unit 1160 when a predetermined merchant terminal 1180 accesses the information registration server 1155 through the interface unit 1160. An interface provider 1165 for generating (or extracting) a predetermined interface screen for inputting (or selecting) and sending predetermined customer-specific service information from the affiliated store terminal 1180, and the interface unit 1160. An information receiving unit 1170 for receiving customer service information inputted (or selected) and transmitted from the affiliated store terminal 1180 through the interface screen, and storing the received customer service information in the storage medium 1145. And an information storage unit 1175 to be stored.

The interface provider 1165 has a functional configuration (eg, an affiliated store) provided to the affiliated store terminal 1180 when a predetermined affiliated store terminal 1180 is connected to the information registration server 1155 through the interface unit 1160. In response to a browser program provided in the terminal 1180, a predetermined interface screen capable of inputting (or selecting) predetermined customer service information to be transmitted to the information registration server 1155 through the network means, or And / or extract from a predetermined database (not shown) and provide the generated (or extracted) interface screen to the affiliated store terminal 1180 through the network means in association with the interface unit 1160. do.

Thereafter, the affiliated store terminal 1180 inputs (or selects) predetermined customer service information based on the interface screen, and when it is confirmed that the customized service information is input (or selected), the affiliated store terminal 1180 ) Transmits the input (or selection) of the customized service information to the information registration server 1155 through the network means.

In the technical field to which the present invention pertains, the merchant terminal 1180 inputs (or selects) the customized service information through at least one form form included in the interface screen. Technical features and technical features for transmitting the input (or selection) of customized service information to the information registration server 1155 through a communication protocol provided by the network means will be understood. Omit for convenience.

The information receiving unit 1170 inputs (or selects) predetermined customer service information through the interface screen from the affiliated store terminal 1180 and transmits the data through the network terminal, interworking with the interface unit 1160. And receiving the customer service information, and provide the received customer service information to the information storage unit 1175.

The information storage unit 1175 may store the customer service information received through the information receiving unit 1170 on the storage medium 1145.

According to the exemplary embodiment of the present invention, the personalized service information stored in the storage medium 1145 may include at least one or more coupon information provided to the customer by the affiliate store (or franchise). The personalized service information including the information is preferably used by the personalized service processor 1135 to provide a coupon providing service to at least one customer wireless terminal 700 corresponding to the customer information.

Alternatively, the customized service information stored in the storage medium 1145 may include at least one parking ticket information provided to the customer at the affiliated store (or franchise), and the customer may include the parking ticket information. The personalized service information may be used by the personalized service processor 1135 to provide a parking ticket providing service to at least one customer wireless terminal 700 corresponding to the customer information.

Alternatively, the customized service information stored in the storage medium 1145 may include at least one bulletin board registration information registered through the affiliated store terminal 1180, and / or at least one registered through the customer wireless terminal 700. Preferably, the bulletin board registration information is included, and the customized service information including the bulletin board registration information includes the predetermined bulletin board information registration service by the at least one customer wireless terminal 700 by the customized service processor 1135. It is preferably used to provide.

Those skilled in the art to which the present invention pertains can infer various implementation methods for various information configurations for the customized service information stored in the storage medium 1145, but the present invention is inferred It is characterized by including all the implementation method.

12A and 12B illustrate a wireless payment process for a customer according to an exemplary embodiment of the present invention.

12A and 12B illustrate a wireless payment program mounted on the wireless terminal 700 through the program providing system illustrated in FIGS. 3 and / or 5 in the wireless terminal 700 illustrated in FIG. 7. Through the wireless payment server 1100 on the customized wireless payment system shown in FIG. 11 through the short-range communication shown in Figures 8 and / or 9 and the customer wireless terminal 700 recognition and merchant authentication process through After performing, the process for providing a predetermined wireless payment service to the customer through the wireless payment program in the wireless terminal 700, if one of ordinary skill in the art to which the present invention belongs, 12A and FIG. 12B may be inferred by referring to and / or modifying various implementation methods for the wireless payment process for the customer. Any implementation method is included, and the technical features are not limited only to the implementation method shown in FIGS. 12A and 12B.

For example, those skilled in the art to which the present invention pertains may refer to and / or modify the drawings 12a and 12b and are provided in the wireless terminal 700 in the parking management terminal provided in the parking lot in the affiliated store. The process of providing a parking ticket using service in conjunction with the wireless payment program may be inferred, but the present invention is characterized by including all the inferred implementation method.

12A and 12B, a wireless payment program mounted on the wireless terminal 700 is provided in the wireless terminal 700 illustrated in FIG. 7 through a program providing system illustrated in FIGS. 3 and / or 5. Through the wireless payment server 1100 on the custom wireless payment system shown in Figure 11 and the customer wireless terminal 700 using the short-range communication shown in Figures 8 and / or 9 and the merchant authentication process When a predetermined wireless payment screen (or a customized service screen) is output to the wireless terminal 700 and the wireless payment function of the wireless payment program is activated, a payment terminal in the affiliated store through a short range communication channel using the local device. The payment information including the predetermined payment amount and the affiliated store information are transmitted to the wireless terminal 700 (1200).

Those skilled in the art to which the present invention pertains transmit payment information including the predetermined payment amount and the affiliated store information to the wireless terminal 700 through the near field device according to each short range wireless communication standard. Since you will be familiar with the process, detailed description thereof will be omitted for convenience.

Thereafter, the wireless terminal 700 reads the received affiliated store information and checks the validity of the affiliated store to confirm the payment information transmitted from the affiliated store through the wireless payment function provided in the wireless payment program. (1205).

According to the exemplary embodiment of the present invention, the wireless terminal 700 compares the merchant information stored in the memory unit with the received merchant information through the wireless payment program, and compares the payment information transmitted from the merchant with the wireless payment program. It is desirable to check that the wireless payment process provided in the wireless payment function.

If the merchant validity is not authenticated (1210), the wireless terminal 700 does not perform a wireless payment function using the wireless payment program.

On the other hand, if the merchant validity is not authenticated (1210), the wireless terminal 700 will process the payment information from the memory unit (or financial IC chip provided in the wireless terminal 700) through the wireless payment program. Predetermined customer payment method information (e.g., account transfer payment method information (customer account number, etc.) based on the customer financial account, or check card payment method information (check card number and expiration date, etc.) associated with the customer financial account; Or debit card payment method information (debit card number and expiration date, etc.) associated with the customer financial account, or credit card payment method information (credit card number and expiration date, etc.) using the customer financial account as a settlement account; Extract or receive customer payment means information from the wireless payment server 1100 through the wireless communication network to process the payment information (1215).

Thereafter, the wireless terminal 700 inputs predetermined wireless payment authentication information for processing wireless payment through the wireless payment program (1220).

According to an embodiment of the present invention, the wireless payment authentication information may include an account password (or card password) corresponding to the customer payment means, and / or a payment password corresponding to the wireless payment requested through the wireless payment request information. , A bank transfer password, etc.), and / or a security code (eg, a security code printed on a security card issued to a customer, and / or a combination of at least two security codes), and / or a predetermined one time password (OTP). It is preferable to include at least one or more OTP code generated through the generator.

If the wireless payment authentication information is input (1225), the wireless terminal 700 includes the payment information including the customer payment means information and a predetermined payment amount and the wireless payment authentication information through the wireless payment program. Generate predetermined wireless payment request information (1230), and convert the generated wireless payment request information into at least one encryption method (e.g., secret key (or symmetric key) encryption method, and / or public key encryption method, and / or An electronic envelope encryption method, and / or a key exchange encryption method, etc.) (1235).

According to an embodiment of the present invention, the wireless payment request information includes a communication protocol defined for transmitting customer payment means information, the payment information, and the wireless payment authentication information to the wireless payment server 1100 through the wireless communication network ( Or a data structure corresponding to a security protocol).

If the wireless payment request information is encrypted (1240), the wireless terminal 700 transmits the wireless payment request information to the wireless payment server 1100 through the wireless communication network (1245), the wireless payment server ( In operation 1250, the wireless payment request information is received through the wireless communication network, and the wireless payment request information is decrypted through a predetermined decryption method corresponding to the encryption method.

If the wireless payment request information is decoded (1255), the wireless payment server 1100 performs a wireless payment procedure using customer payment means information and payment information corresponding to the wireless payment request information in connection with the financial system. (1260).

In the technical field to which the present invention belongs, the wireless payment server 1100 is connected to the financial system to perform a predetermined wireless payment procedure through customer payment means information and payment information included in the wireless payment request information. Since it will be, a detailed description thereof will be omitted for convenience.

If the wireless payment procedure is completed (1265), the wireless payment server 1100 generates predetermined wireless payment result information corresponding to the wireless payment request information in connection with the financial system (1270), and the wireless communication network The wireless payment result information is transmitted to the wireless terminal 700 through the operation 1275.

13A and 13B illustrate a wireless payment process for a customer according to another exemplary embodiment of the present invention.

In more detail, FIGS. 13A and 13B illustrate a wireless payment program mounted on the wireless terminal 700 through the program providing system illustrated in FIGS. 3 and / or 5 in the wireless terminal 700 illustrated in FIG. 7. After performing the customer wireless terminal 700 recognition and merchant authentication process using the small repeater shown in Figure 10 in connection with the wireless payment server 1100 on the customized wireless payment system shown in Figure 11 through the The process of providing a predetermined wireless payment service to the customer through the wireless payment program in the wireless terminal 700, if one of ordinary skill in the art to which the present invention belongs, this figure 13a and 13b While reference and / or modification may infer various implementation methods for the wireless payment process for the customer, but the present invention may infer all implementation methods inferred from the above. It is made, including, to which the technical feature that is not limited to the exemplary method shown in the figure 13a and figure 13b.

For example, a person having ordinary knowledge in the art to which the present invention pertains may refer to and / or modify the drawings 13a and 13b so that the wireless terminal 700 is provided in the parking management terminal provided in the parking lot in the affiliated store. The process of providing a parking ticket using service in conjunction with the wireless payment program may be inferred, but the present invention is characterized by including all the inferred implementation method.

13A and 13B, a wireless payment program mounted on the wireless terminal 700 through the program providing system illustrated in FIGS. 3 and / or 5 in the wireless terminal 700 illustrated in FIG. 7. Through the wireless payment server 1100 on the customer-customized wireless payment system shown in Figure 11 and the wireless terminal 700 recognition and merchant authentication using the small repeater shown in Figure 10 after performing the wireless terminal, When a predetermined wireless payment screen (or a customized service screen) is output to the 700 and the wireless payment function of the wireless payment program is activated, the predetermined payment to the wireless terminal 700 is performed from the payment terminal in the affiliate store through the wireless communication network. Payment information including the payment amount and the merchant information is transmitted (1300).

Those skilled in the art will be familiar with the process of transmitting payment information and the merchant information including a predetermined payment amount to the wireless terminal 700 through the wireless communication network. Detailed description thereof will be omitted for convenience.

Thereafter, the wireless terminal 700 reads the received affiliated store information and checks the validity of the affiliated store to confirm the payment information transmitted from the affiliated store through the wireless payment function provided in the wireless payment program. (1305).

According to the exemplary embodiment of the present invention, the wireless terminal 700 compares the merchant information stored in the memory unit with the received merchant information through the wireless payment program, and compares the payment information transmitted from the merchant with the wireless payment program. It is desirable to verify that the wireless payment process provided in the wireless payment function.

If the affiliate store validity is not authenticated (1310), the wireless terminal 700 does not perform a wireless payment function using the wireless payment program.

On the other hand, if the merchant validity is not authenticated (1310), the wireless terminal 700 to process the payment information from the memory unit (or financial IC chip provided in the wireless terminal 700) through the wireless payment program. Predetermined customer payment method information (e.g., account transfer payment method information (customer account number, etc.) based on the customer financial account, or check card payment method information (check card number and expiration date, etc.) associated with the customer financial account; Or debit card payment method information (debit card number and expiration date, etc.) associated with the customer financial account, or credit card payment method information (credit card number and expiration date, etc.) using the customer financial account as a settlement account; Extracts or receives predetermined customer payment means information from the wireless payment server 1100 through the wireless communication network to process the payment information (1315).

Thereafter, the wireless terminal 700 inputs predetermined wireless payment authentication information for processing wireless payment through the wireless payment program (1320).

According to an embodiment of the present invention, the wireless payment authentication information may include an account password (or card password) corresponding to the customer payment means, and / or a payment password (for example, wireless payment requested through the wireless payment request information). , A bank transfer password, etc.), and / or a security code (eg, a security code printed on a security card issued to a customer, and / or a combination of at least two security codes), and / or a predetermined one time password (OTP) generator. It is preferable to include at least one or more OTP code generated through.

If the wireless payment authentication information is input (1325), the wireless terminal 700 includes the payment information including the customer payment means information and a predetermined payment amount and the wireless payment authentication information through the wireless payment program. Generate predetermined wireless payment request information (1330), and generate the generated wireless payment request information by at least one encryption method (eg, a secret key (or symmetric key) encryption method, and / or a public key encryption method, and / or An electronic envelope encryption scheme, and / or a key exchange encryption scheme, etc.) (1335).

According to an embodiment of the present invention, the wireless payment request information includes a communication protocol defined for transmitting customer payment means information, the payment information, and the wireless payment authentication information to the wireless payment server 1100 through the wireless communication network ( Or a data structure corresponding to a security protocol).

If the wireless payment request information is encrypted (1340), the wireless terminal 700 transmits the wireless payment request information to the wireless payment server 1100 through the wireless communication network (1345), the wireless payment server ( In operation 1350, the wireless payment request information is received through the wireless communication network, and the wireless payment request information is decrypted through a predetermined decryption method corresponding to the encryption method.

If the wireless payment request information is decoded (1355), the wireless payment server 1100 performs a wireless payment procedure using customer payment means information and payment information corresponding to the wireless payment request information in association with the financial system. (1360).

In the technical field to which the present invention belongs, the wireless payment server 1100 is connected to the financial system to perform a predetermined wireless payment procedure through customer payment means information and payment information included in the wireless payment request information. Since it will be, a detailed description thereof will be omitted for convenience.

If the wireless payment process is completed (1365), the wireless payment server 1100 generates predetermined wireless payment result information corresponding to the wireless payment request information in connection with the financial system (1370), the wireless communication network The wireless payment result information is transmitted to the wireless terminal 700 through the operation 1375.

14 illustrates a process of providing a personalized service through a wireless payment program according to an embodiment of the present invention.

In more detail, FIG. 14 shows the wireless terminal 700 shown in FIG. 7 through the wireless payment program mounted on the wireless terminal 700 through the program providing system shown in FIGS. 3 and / or 5. In connection with the wireless payment server 1100 on the customized wireless payment system shown in Figure 11 for the process of providing at least one or more customized services to the customer through the wireless payment program in the wireless terminal 700, Specifically, the wireless terminal 700 is in the process of receiving a customer-customized service such as a coupon providing service or a parking ticket providing service to the customer through the wireless payment program.

Those skilled in the art to which the present invention pertains may refer to various embodiments of providing a customized service through a wireless payment program by referring to and / or modifying the drawing 14, but the present invention may be inferred from the above. It is made to include all the inferred implementation method, the technical features are not limited only to the implementation method shown in FIG.

Referring to FIG. 14, the wireless terminal 700 illustrated in FIG. 7 is connected to the wireless payment program installed in the wireless terminal 700 through the program providing system illustrated in FIGS. 3 and / or 5. In connection with the wireless payment server 1100 on the customized wireless payment system shown in 11, the wireless terminal 700 has a customized service menu corresponding to a predetermined coupon providing service or a parking ticket providing service through the wireless payment program. If selected (1400), the wireless terminal 700 extracts predetermined parameter information corresponding to the selected customized service menu from the memory unit (1405).

According to an exemplary embodiment of the present invention, the custom service menu selection process is preferably performed by the customer selecting a predetermined customer service menu or clicking a key button related to the customer service.

Thereafter, the wireless terminal 700 includes predetermined customized service request information (eg, coupon request information or parking ticket request information, etc.) corresponding to the customized service menu and predetermined customized service including the extracted parameter information. Generate request information (1410), and transmits the generated customized service request information to the wireless payment server (1415).

Thereafter, the wireless payment server reads the received customer service request information and checks whether the customer service requested from the wireless terminal 700 is an information service such as a predetermined coupon service or a parking ticket service. 1420).

If the customized service corresponding to the received customized service request information is not the information providing service (1425), the wireless payment server 1100 is a storage medium 1145 on the customized wireless payment system shown in FIG. In operation 1430, an information registration service corresponding to the customer service request information is provided.

On the other hand, if the customized service corresponding to the received customized service request information is the information providing service (1425), the wireless payment server 1100 is a storage medium 1145 on the customized wireless payment system shown in FIG. In operation 1435, the personalized service information (eg, coupon information, or parking ticket information) corresponding to the customized service request information received from the wireless payment program provided in the wireless terminal 700 is extracted.

Thereafter, the wireless payment server 1100 checks whether or not to convert the data structure for outputting the extracted customized service information through the wireless payment program provided in the wireless terminal 700 (1440). If it is necessary to convert the data structure for the service information (1445), the wireless payment server 1100 converts the customer-specific service information into a data structure that can be output through the wireless payment program provided in the wireless terminal 700 ( 1450).

For example, when the encoding scheme of the customer service information is not compatible with the wireless payment program provided in the wireless terminal, the wireless payment server 1100 may transmit the customer service information to the wireless terminal. It is preferable to encode in an encoding method that can be output through a payment program.

Or, if the file format (or compression codec) of the image content and / or sound content and / or multimedia content corresponding to the customer service information is not compatible with the wireless payment program provided in the wireless terminal, the wireless payment server The method 1100 converts a file format (or compression codec) of the image content and / or sound content and / or multimedia content into a file format (or compression codec) that can be output through a wireless payment program included in the wireless terminal. desirable.

If the customer service information is converted into a data structure that can be output through a wireless payment program provided in the wireless terminal 700, or if the data structure conversion of the customer service information is not necessary, the wireless payment server 1100 ) Transmits the customized service information to the wireless terminal 700 (1455), and correspondingly, the wireless terminal 700 receives and stores the customized service information, and outputs it through the wireless payment program. (1460).

15A and 15B illustrate a process of providing a customized service through a wireless payment program according to another exemplary embodiment of the present invention.

In more detail, FIGS. 15A and 15B illustrate a wireless payment program mounted on the wireless terminal 700 through the program providing system illustrated in FIGS. 3 and / or 5 in the wireless terminal 700 illustrated in FIG. 7. In connection with the wireless payment server on the customized wireless payment system shown in Figure 11 through the wireless terminal 700 for the process of providing at least one or more customized services to the customer through the wireless payment program, Specifically, the wireless terminal 700 is in the process of providing a customer-customized service corresponding to the bulletin board information registration service to the customer through the wireless payment program.

Those skilled in the art will be able to infer various implementation methods for providing customized services through a wireless payment program by referring to and / or modifying the drawings 15a and 15b. The present invention includes all the inferred implementation methods, and the technical features are not limited only to the implementation methods shown in FIGS. 15A and 15B.

Referring to FIGS. 15A and 15B, the wireless terminal 700 illustrated in FIG. 7 performs a wireless payment program mounted on the wireless terminal 700 through the program providing system illustrated in FIGS. 3 and / or 5. If a customized service menu corresponding to a predetermined customer bulletin board service is selected through the wireless payment program in the wireless terminal 700 in connection with the wireless payment server on the customized wireless payment system shown in FIG. 11 (1500 In operation 1505, the wireless terminal 700 extracts predetermined parameter information corresponding to the selected customized service menu from the memory unit.

According to an exemplary embodiment of the present invention, the custom service menu selection process is preferably performed by the customer selecting a predetermined customer service menu or clicking a key button related to the customer service.

Thereafter, the wireless terminal 700 generates predetermined customized service request information including predetermined customized service request information (eg, customer bulletin board service request information) corresponding to the customized service menu and the extracted parameter information. 1510 and transmits the generated customized service request information to the wireless payment server 1100 (1515).

Thereafter, the wireless payment server 1100 reads the received customer service request information and checks whether the customer service requested from the wireless terminal 700 is a bulletin board information registration service such as a customer service board service (1520). ).

If the customized service corresponding to the received customized service request information is not the bulletin board information registration service (1525), the wireless payment server is connected to the storage medium 1145 on the customized wireless payment system shown in FIG. In operation 1530, an information providing service corresponding to the customer service request information is provided.

On the other hand, if the customized service corresponding to the received customized service request information is the bulletin board information registration service (1525), the wireless payment server 1100 is associated with a storage medium on the customized wireless payment system shown in FIG. Check the air interface information corresponding to the customer service request information received from the wireless payment program included in the wireless terminal 700 (1535), and transmit the confirmed air interface information to the wireless terminal 700. (1540).

For example, when the information registration service is a customer bulletin board service, the air interface information preferably includes the customer bulletin board list information.

Thereafter, the wireless terminal 700 outputs a predetermined wireless interface screen corresponding to the wireless interface information through the wireless payment program (1545), and at least one or more customizations through the wireless interface screen corresponding to the wireless payment program. The service registration information is input (or selected) (1550).

For example, when the information registration service is a customer bulletin board service, the customized service registration information input (or selected) through the air interface screen may include at least one bulletin board registration information to be registered in the customer bulletin board.

If the input (or selection) for the personalized service registration information is confirmed (1555), the wireless terminal 700 transmits the input (or selected) personalized service registration information to the wireless payment server (1100) ( In operation 1560, the wireless payment server 110 stores the received personalized service registration information in the storage medium 1145 (1565).

FIG. 16 is a diagram illustrating a custom wireless payment system for providing a wireless payment service and a customized service to a customer according to another embodiment of the present invention.

In more detail, FIG. 16 illustrates a wireless payment service for providing a customer-specific wireless payment service and a customized service to the customer wireless terminal 700 shown in FIG. 7 through the program providing system illustrated in FIGS. 3 and / or 5. When the program is provided, the wireless payment system for providing the wireless payment service and the customer service tailored to the customer through the wireless payment program, specifically, the wireless payment service for the customer is a predetermined wireless payment server 1600 The method of providing the personalized service is provided through a predetermined personalized server 1625 (or a merchant server).

For those skilled in the art to which the present invention pertains, various implementation methods for configuring a wireless payment system for providing a customer service and a customer service by referring to and / or modifying the drawing 16 are provided. It may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

Referring to FIG. 16 according to an embodiment of the present invention, the wireless payment service for the customer and the wireless payment system for providing the personalized service provide the wireless payment service and the personalized service to the customer through a predetermined wireless communication network. Wireless payment server for providing a wireless payment service for customers in connection with the wireless payment program provided in the wireless terminal 700 and at least one or more wireless terminal 700 provided with a wireless payment program to provide a predetermined wireless communication network 1600 and the wireless payment server 1600 through a predetermined interface means for providing a wireless payment service to a customer in connection with a wireless payment program provided in the wireless terminal 700. Wireless payment program provided in the wireless terminal 700 through a financial system and a predetermined wireless communication network connected to the A custom server 1625 providing a personalized service in connection with RAM, and at least one of the custom server 1625 for providing a personalized service in connection with a wireless payment program provided in the wireless terminal 700. It characterized in that it comprises a storage medium (1660) for storing the customer service information.

The wireless terminal 700 is a mobile communication terminal operating based on a Code Division Multiple Access (CDMA) stack, and / or a portable Internet terminal operating based on an IEEE 802.16x standard, and / or based on an IEEE 802.11x standard. Characterized in that it comprises at least one or more of the operating wireless LAN terminal, characterized in that the wireless terminal 700 is provided with a wireless payment program for providing the customer-specific wireless payment service and customer service. .

According to an embodiment of the present invention, when the wireless terminal 700 is a CDMA stack-based mobile communication terminal, the wireless communication network to which the wireless terminal 700 is connected may include the CDMA stack-based mobile communication network. According to the intention of the person skilled in the art, the mobile communication network may further include a HSDPA (High Speed Downlink Packet Access) communication standard, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, when the wireless terminal 700 is an IEEE 802.16x based portable Internet terminal, the wireless communication network to which the wireless terminal 700 is connected includes the IEEE 802.16x based portable Internet. It is preferable.

According to another exemplary embodiment of the present invention, when the wireless terminal 700 is an IEEE 802.11x based wireless LAN terminal, the wireless communication network to which the wireless terminal 700 is connected comprises the IEEE 802.11x based wireless LAN. It is preferable.

According to the present invention, the wireless payment program provided in the wireless terminal 700 is a predetermined wireless payment server through a wireless communication network to which the wireless terminal 700 is connected by using a wireless communication function provided in the wireless terminal 700. It is characterized in that for connecting the communication channel for providing a wireless payment service to the customer (1600).

In addition, the wireless payment program provided in the wireless terminal 700 is a predetermined wireless payment server 1600 through a wireless communication network to which the wireless terminal 700 is connected using a wireless communication function provided in the wireless terminal 700. In order to provide a wireless payment service to a customer through the wireless channel to the wireless payment server 1600 through the communication channel to provide predetermined wireless payment request information characterized in that, the wireless payment server receiving the wireless payment request information In operation 1600, the wireless payment procedure using the customer payment means corresponding to the wireless payment request information is performed in connection with a predetermined financial system with reference to at least one or more wireless payment information included in the wireless payment request information. do.

The wireless payment request information may include an account transfer payment method based on a customer financial account, a check card payment method associated with the customer financial account, a debit card payment method associated with the customer financial account, or the customer financial account. Customer payment means information (e.g., account number (card number) and card expiration date, etc.) including at least one credit card payment method, etc. used as a settlement account; and the payment information (e.g., payment amount, merchant information, etc.) It is preferable to comprise a.

In addition, the wireless payment request information preferably comprises a predetermined wireless payment authentication information input through a predetermined key input means provided in the wireless terminal 700, wherein the wireless payment authentication information is the customer payment Account password (or card password) corresponding to the means, and / or payment password (e.g., account transfer password, etc.) corresponding to the wireless payment requested through the wireless payment request information, and / or security code (e.g. And a security code printed on the issued security card, and / or a combination of at least two security codes), and / or at least one OTP code generated through a predetermined one time password (OTP) generator. .

According to the present invention, the wireless payment program provided in the wireless terminal 700 is a predetermined customer-specific server through a wireless communication network to which the wireless terminal 700 is connected using a wireless communication function provided in the wireless terminal 700. It is characterized by connecting a communication channel for providing a customer service (1625) (or merchant server).

In addition, the wireless payment program provided in the wireless terminal 700 uses a wireless communication function provided in the wireless terminal 700 through a wireless communication network to which the wireless terminal 700 is connected to a predetermined customer-customized server 1625. In order to access and provide a customized service, the predetermined personalized service request information is transmitted to the customized server 1625 through the communication channel.

In response to receiving the customized service request information according to an embodiment of the present invention, the customized server 1625 stores a storage medium 1660 that stores at least one or more customized service information (eg, coupon information, parking ticket information, etc.). It is preferable to extract predetermined customer service information to be transmitted to the wireless terminal 700 in association with the), and provide the extracted customer service information to the wireless terminal 700 through the communication channel.

Here, the customized service request information may be customized service request information (eg, coupon request information, parking ticket request information, etc.) matched with the customized service information (eg, coupon information, parking ticket information, etc.), and / or the customer. It is preferable to include at least one or more parameter information that must be sent to the custom server 1625 in order to request custom service information.

According to the present invention, the wireless payment server 1600 connects and manages a wireless payment program provided in the wireless terminal 700 and a communication channel for providing a wireless payment service for the customer through the wireless communication network. The interface unit 1605 is provided.

According to the exemplary embodiment of the present invention, a communication channel connected between the wireless payment program provided in the wireless terminal 700 and the wireless payment server 1600 by the wireless payment interface unit 1605 may be connected to the wireless payment program. And a data communication channel for transmitting and receiving at least one or more wireless payment request information (for example, wireless payment request information or wireless payment result information) through a financial transaction communication protocol defined between the wireless payment server 1600. It is preferable.

According to an embodiment of the present invention, at least one or more wireless payment request information transmitted and received through the communication channel is preferably encrypted and transmitted and received through at least one or more encryption schemes. The payment program and / or the wireless payment server 1600 may be provided with an encryption / decryption function for the wireless payment request information.

In addition, the wireless payment request information transmitted from the wireless payment program provided to the wireless terminal 700 to the wireless payment server 1600 through the communication channel is that the electronic signature of the customer of the wireless terminal 700 is attached. Preferably, for this purpose, the wireless payment program provided in the wireless terminal 700 is provided with an electronic signature attachment function for the wireless payment request information, and the wireless payment server 1600 is an electronic signature for the wireless payment request information. It is preferable that a confirmation function is provided.

Referring to FIG. 16, the wireless payment server 1600 receives an information receiver 1610 that receives at least one wireless payment request information from the wireless terminal 700 through the wireless payment interface 1605, and the wireless. Read payment request information to extract at least one customer payment method information, and perform a wireless payment procedure corresponding to the wireless payment request information in connection with a predetermined financial system through a predetermined interface means based on the customer payment means information. And a payment processing unit 1615 to perform the operation. The wireless terminal 700 generates wireless payment result information processed by the payment processing unit 1615 in association with the wireless payment interface unit 1605. It characterized in that it further comprises an information transmitting unit 1620 provided.

The information receiving unit 1610 is operated by the wireless payment program in the wireless terminal 700, at least one or more wireless payment request information for providing a wireless payment service to the customer through the wireless payment program input (or generated) When the data is transmitted through the wireless communication network, the wireless payment request information transmitted from the wireless terminal 700 is received through the wireless payment interface unit 1605.

According to an embodiment of the present invention, the wireless payment request information may include at least one encryption method (eg, secret key (or symmetric key) encryption method, and / or public key encryption method, and / or electronic envelope encryption) in the wireless payment program. And / or a key exchange encryption scheme, etc.), the information receiving unit 1610 further includes a function of decrypting the encrypted wireless payment request information by a predetermined decryption scheme corresponding to the encryption scheme. It is preferable to make it.

When it is confirmed that at least one or more wireless payment request information for providing the wireless payment service for the customer is received (or received and decoded) through the information receiving unit 1610, the payment processing unit 1615 determines from the wireless payment request information. At least one customer payment means information for providing a wireless payment service to the customer is characterized in that the extraction.

When at least one customer payment means information is extracted from the wireless payment request information, the payment processing unit 1615 performs a predetermined finance through a predetermined interface means (for example, an interface connecting the wireless payment server 1600 and the financial system). In conjunction with a system (e.g., a financial system with an account ledger corresponding to the customer financial account information, or a card ledger corresponding to a debit card and / or a debit card and / or a credit card associated with the customer financial account). Based on the extracted customer payment means information, a predetermined wireless payment procedure for providing a wireless payment service for the customer is performed.

Referring to FIG. 16, the financial system opens (or issues) at least one financial account (or payment card) to at least one financial transaction customer, and provides at least one financial transaction service based on the financial account. It is a computerized system provided to financial institutions in order to provide accounting for processing of credit services such as credits or receptions or trusts or foreign exchanges occurring in at least one branch (or counter), processing of headquarters operations, branch information support, and customer information. At least one non-face-to-face financial transaction means (e.g., provided with an information system that processes management, an interconnection between the financial system and at least one other financial system (and / or payment system), and / or at least one external communication network. , Internet banking, wireless banking, IC chip based wireless banking, telebanking, TV banking, etc.) Access to the existing financial system, and / or the external system that provides a variety of financial transaction interface through at least one or more common network (eg, CD common network, financial common network), and the financial system is An interface module corresponding to a middleware platform that provides interfacing between components in the financial system, and predetermined information (for example, ledger information, and / or Or a DBMS (DataBase Management System) including at least one database for storing and managing customer information, and / or management information, etc.).

In addition, the financial system is a foreign exchange module according to the intention of the skilled person and / or the type (eg, commercial bank, savings bank, trust bank) of each financial institution equipped with the financial system and the purpose and characteristics of the financial system. It is possible that at least one or more components, such as (not shown), investment finance module (not shown), international module (not shown) may be further included, and those skilled in the art to which the present invention pertains, Since you will be familiar with the technical details of the financial system, a detailed description thereof will be omitted for convenience, and the present invention is not limited thereto.

According to an embodiment of the present invention, the DBMS provided in the financial system may be configured by the financial institution to open at least one financial account to at least one financial transaction customer and provide at least one financial transaction service based on the financial account. And at least one ledger D / B for storing at least one ledger for providing, wherein the ledger D / B is at least one for processing at least one financial transaction to be provided to the financial transaction customer by the financial institution. The ledger information (e.g., customer ledger, reception ledger, collateral ledger, etc.) and at least one ledger additional information corresponding to each ledger information (e.g., more specifically and / or supplementing the attributes / functions of each ledger) are relational. It is characterized in that it is stored in association with (Relationship).

Those skilled in the art to which the present invention pertains correspond to at least one ledger information provided in the ledger D / B and each ledger information according to the type of each financial institution and the purpose and characteristic of the financial system. In addition to being familiar with at least one ledger additional information, each ledger information is linked and stored in a relational relation, and / or predetermined ledger information and at least one ledger additional information is stored in a relational relation Since it will be understood that the detailed description thereof will be omitted for convenience.

In addition, if a person having ordinary knowledge in the technical field to which the present invention belongs, the wireless system for providing a wireless payment service for the customer based on at least one or more customer payment means information for the wireless payment service for the customer in the financial system. Since you will be familiar with the embodiment of performing the payment procedure, a detailed description thereof will be omitted for convenience.

When the payment processing unit 1615 completes the wireless payment procedure for providing the wireless payment service to the customer in connection with the financial system, the information transmission unit 1620 may provide a predetermined wireless payment history corresponding to the wireless payment procedure. It generates a wireless payment result information including, and transmits the generated wireless payment result information in conjunction with the wireless payment interface unit 1605 to the wireless terminal 700 through the wireless communication network.

According to the exemplary embodiment of the present invention, the wireless payment details include wireless payment approval details for a wireless payment procedure for providing a wireless payment service and a personalized service for the customer, or at least one wireless occurrence generated during the wireless payment procedure. It is desirable to include a payment error history.

The wireless terminal 700 having received the wireless payment result information from the wireless payment server 1600 through the wireless communication network reads the wireless payment details included in the received wireless payment result information through the wireless payment program. The wireless payment history information (for example, wireless payment approval history information or wireless payment error history information) is output to the screen output unit provided in the wireless terminal 700.

According to the present invention, the customized server 1625 has a wireless interface unit for connecting and managing a wireless payment program provided in the wireless terminal 700 and a communication channel for providing the customized service through the wireless communication network ( And 1635.

Referring to FIG. 16, the customized server 1625 includes an information receiver 1640 for receiving at least one or more customized service request information from the wireless terminal 700 through the wireless interface unit 1635, and the customer. An information checking unit 1645 for reading at least one customized service request information and confirming at least one customized service to be provided to the customer wireless terminal 700, and through the information checking unit 1645 to the customized service request information. When the corresponding customized service is confirmed, the wireless interface providing unit 1630 providing a wireless interface corresponding to the customized service request information to the wireless terminal 700 in association with the wireless interface unit 1635, The air interface providing unit 1630 is provided to the customized service request information through a wireless interface provided to the wireless terminal 700. It is characterized in that it comprises a custom service processing unit 1650 for providing at least one or more customized service.

In addition, the wireless payment server 1600 authenticates the validity of the customer in connection with a predetermined customer information D / B 1665 in order to provide the wireless payment service and customer-specific services for the customer through the wireless payment program. Characterized in that it further comprises a customer authentication unit 1655, the location of the customer information D / B 1665 is at least one to the customer through the wireless payment program provided in the customer wireless terminal 700 A predetermined customer provided in the wireless payment server 1600 that provides the above-described wireless banking service, or provides at least one customized service to the customer through the wireless payment program provided in the customer wireless terminal 700. It is preferably provided on the custom server 1625 or on the affiliated server side provided in the affiliated store.

According to an embodiment of the present invention, when the customer information D / B 1665 is provided in the customer-customized server 1625, the customer-customized server 1625 in the wireless payment program provided in the wireless terminal 700. When the predetermined customer authentication information is provided, the customer authentication unit 1655 preferably authenticates the validity of the customer through the received customer authentication information in connection with the customer information D / B 1665. .

In this case, when the validity of the customer is authenticated, the customer authentication unit 1655 may further include relaying the validity authentication result of the customer to the wireless payment server 1600.

According to another exemplary embodiment of the present invention, the customer information D / B 1665 is provided in the customer-customized server 1625, but predetermined customer authentication information is not included in the wireless payment program provided in the wireless terminal 700. When providing to the wireless payment server 1600, if the wireless payment server 1600 relays the customer authentication information to the customer-specific server 1625, the customer authentication unit 1655 is the customer information D / In connection with B 1665, it is preferable to authenticate the validity of the customer through the received customer authentication information, and to provide a validity authentication result for the customer to the wireless payment server 1600.

According to another exemplary embodiment of the present invention, the customer information D / B 1665 is provided in the wireless payment server 1600, but predetermined customer authentication information is provided in the wireless payment program provided in the wireless terminal 700. When providing to the customer-customized server 1625, when the customer-customized server 1625 relays the customer authentication information to the customer-customized server 1625, the wireless payment server 1600, the customer information D It is possible to authenticate the validity of the customer through the received customer authentication information in conjunction with / B (1665), and to provide the validity authentication result for the customer to the customer-specific server 1625.

The information receiving unit 1640 is the wireless payment program is driven in the wireless terminal 700, at least one or more customer service request information for providing the customer service tailored to the customer through the wireless payment program input (or generated) When received through the wireless communication network, and receives the customer service request information transmitted from the wireless terminal 700 through the wireless interface unit 1635.

When it is confirmed that at least one or more customized service request information for providing the customized service to the customer is received through the information receiving unit 1640, the information checking unit 1645 corresponds to the customized service request information. It is characterized by identifying the type of customized service.

According to an exemplary embodiment of the present invention, when the customized service corresponding to the customized service request information is a coupon providing service or a parking ticket providing service, the information checking unit 1645 reads the received customized service request information. Characterized by providing to the service processing unit 1650.

The personalized service processor 1650 stores at least one or more personalized service information (eg, coupon information or parking ticket information) to provide a coupon providing service or a parking ticket providing service corresponding to the customized service request information. Extracts predetermined customer service information (eg, coupon information, parking ticket information, etc.) corresponding to the customer service request information in association with the storage medium 1660, and extracts the extracted customer service information (eg, Coupon information, or parking ticket information) may be provided to the wireless terminal 700 through the communication channel.

According to the exemplary embodiment of the present invention, when the customer service information stored in the storage medium 1660 does not include a data structure that can be output through a wireless payment program provided in the wireless terminal 700, the personalization service. The service processor 1650 may further include converting a data structure of customer service information extracted from the storage medium 1660 into a data structure that can be output through a wireless payment program included in the wireless terminal 700. desirable.

For example, when the encoding method of the character information stored in the storage medium 1660 is not compatible with the wireless payment program included in the wireless terminal, the personalized service processor 1650 may convert the character information to the wireless. It is preferable to encode using an encoding method that can be output through a wireless payment program provided in the terminal.

Or, if the file format (or compression codec) of the image content and / or sound content and / or multimedia content stored in the storage medium 1660 is not compatible with the wireless payment program provided in the wireless terminal, the custom The service processor 1650 converts a file format (or compression codec) of the image content and / or sound content and / or multimedia content into a file format (or compression codec) that can be output through a wireless payment program included in the wireless terminal. It is desirable to.

According to another exemplary embodiment of the present invention, when the customized service corresponding to the customized service request information is an information registration service such as a predetermined bulletin board service, the information checking unit 1645 receives the received customized service request. Information is provided to the air interface providing unit 1630.

The air interface providing unit 1630 generates predetermined air interface information that matches a wireless interface for inputting (or selecting) predetermined information corresponding to the customer service request information in a wireless payment program included in the wireless terminal. (Or extract) and transmit the data to the wireless terminal 700 through the communication channel.

For example, when the information registration service is a customer bulletin board service, the air interface information transmitted by the air interface providing unit 1630 to the wireless terminal 700 may include the customer bulletin board list information.

Thereafter, the wireless payment program included in the wireless terminal 700 inputs predetermined parameter information and / or customized service registration information corresponding to the customer service request information through a predetermined wireless interface corresponding to the wireless interface information. It is preferable to transmit (or select) to the customized server 1625, and the predetermined parameter information and / or customized service registration information corresponding to the customized service request information is transmitted through the wireless payment interface unit 1605. The information receiving unit 1610 is received, and predetermined parameter information and / or custom service registration information corresponding to the customer service request information is provided to the personalized service processor 1650.

When predetermined parameter information and / or customized service registration information corresponding to the customized service request information is received from the wireless payment program included in the wireless terminal 700, the customized service processor 1650 may receive the received parameter. The personalized service registration information may be stored in a predetermined storage medium 1660 based on the information.

According to the method of the present invention, the personalized service registration information stored in the storage medium 1660 corresponding to the information registration service is provided to the other customer wireless terminal 700 through the information confirmation service, and / or Alternatively, at least one affiliated store terminal 1695 provided at the affiliated store may be checked.

According to the present invention, the wireless interface providing unit 1630 and / or the customized service processor 1650 included in the customized server 1625 provides at least one customized service corresponding to the customized service request information. The storage medium 1660 used to store at least one customer service information registered through the affiliated store terminal 1695 and / or at least one customer service information registered through the customer wireless terminal 700 may be used. The storage medium 1660 may be provided in the customer-specific server 1625 or may be linked to the customer-customized server 1625, and thus the present invention is not limited thereto. All.

According to the exemplary embodiment of the present invention, the customized service information stored in the storage medium 1660 may include at least one or more coupon information provided to the customer by the affiliate store (or franchise), and the coupon The customized service information including information is preferably used by the customized service processor 1650 to provide a coupon providing service to at least one or more customer wireless terminals 700 corresponding to the customer information.

Alternatively, the customized service information stored in the storage medium 1660 may include at least one parking ticket information provided to the customer by the affiliate store (or franchise), and the customer includes the parking ticket information. The personalized service information may be used by the personalized service processor 1650 to provide a parking ticket providing service to at least one customer wireless terminal 700 corresponding to the customer information.

Alternatively, the customized service information stored in the storage medium 1660 may include at least one bulletin board registration information registered through the affiliated store terminal 1695, and / or at least one registered through the customer wireless terminal 700. It is preferable that the bulletin board registration information is included. The customized service information including the bulletin board registration information includes a predetermined bulletin board information registration service by the customized service processor 1650 to at least one customer wireless terminal 700. It is preferred to be used to provide.

Those skilled in the art to which the present invention pertains will be able to infer various implementation methods for various information configurations for the customized service information stored in the storage medium 1660, but the present invention is inferred It is characterized by including all the implementation method.

According to the present invention, the customer-specific wireless payment system for providing the customer-specific wireless payment service and the customer-customized service, receiving at least one or more customer service information from the merchant terminal 1695 and stored in the storage medium (1660) Preferably, the information registration server 1670 is included.

The affiliated store terminal 1695 may be a wired communication network based on Transmission Control Protocol / Internet Protocol (TCP / IP) (eg, Asymmetric Digital Subscriber Line (ADSL) / Very High-data Rate Digital Subscriber Line (VDSL) and / or cable communication network). At least one wired terminal including a desktop computer and / or a notebook that is connected to the information registration server 1670 is communicated via the preferred.

According to another exemplary embodiment of the present invention, the affiliated store terminal 1695 is a mobile communication terminal connected to a code division multiple access (CDMA) based mobile communication network (or a high speed downlink packet access (HSDPA) based mobile communication network), and / Or at least one wireless terminal including at least one portable Internet terminal connected to IEEE 802.16x based high speed wireless Internet, and / or a wireless LAN terminal connected to IEEE 802.11x based wireless LAN communication network. The present invention is not limited thereto.

The affiliated store terminal 1695 outputs at least one or more interface screens provided by the information registration server 1670, and inputs and / or selects at least one or more information through the interface screen to the information registration server 1670. It is preferable that a function configuration for transmitting (for example, a browser program and a communication function) is provided.

Those skilled in the art to which the present invention pertains can easily infer the characteristics of the affiliated store terminal 1695 corresponding to at least one or more wired terminals and / or wireless terminals. Omit for convenience.

According to an embodiment of the present invention, when the affiliated store terminal 1695 is a wired terminal, the network means includes the TCP / IP based wired communication network, and when the affiliated store terminal 1695 is a wireless terminal, The network means preferably comprises at least one of the CDMA based (or HSDPA based) mobile communication network, and / or IEEE 802.16x based high speed wireless Internet, and / or IEEE 802.11x based wireless LAN communication network.

According to an embodiment of the present invention, the information registration server 1670 communicates with the affiliated store terminal 1695 through the network unit in order to provide a web interface corresponding to the affiliated store terminal 1695 and the network unit. And an interface unit 1675 for connecting and managing channels, whereby the information registration server 1670 is connected to the affiliated store terminal 1695 via a wired communication network and / or a wireless communication network. It has the function of the server 300.

According to an embodiment of the present invention, when the affiliated store terminal 1695 is a wired terminal to which a communication channel is connected through a wired communication network based on TCP / IP, the interface unit 1675 may communicate with the affiliated store terminal 1695 and HTTP ( An interface screen and / or information providing screen in the form of a Hyper-Text Markup Language (HTML) compatible document is connected to the affiliated store terminal 1695 through a communication channel based on a Hyper-Text Transfer Protocol protocol. It is preferable to perform a function of transmitting and outputting the data, and receiving and processing predetermined customer service information input (or selected) through the interface screen from the affiliated store terminal 1695.

According to another exemplary embodiment of the present invention, when the affiliated store terminal 1695 is a wireless terminal to which a communication channel is connected through a CDMA-based wireless communication network, the interface unit 1675 connects to the affiliated store terminal 1695 and a WAP (Wireless). Connect a predetermined communication channel based on Application Protocol and / or Mobile Explorer (ME) protocol, and interface to WML (Wireless Markup Language) and / or HTML compatible document form to the affiliated store terminal 1695 through the communication channel. It is preferable to perform a function of transmitting and outputting a screen and / or an information providing screen and receiving and processing predetermined customer service information corresponding to the interface screen from the affiliated store terminal 1695.

According to another exemplary embodiment of the present invention, when the affiliated store terminal 1695 is a wireless terminal to which a communication channel is connected through an IEEE 802.16x based wireless communication network, the interface unit 1675 may be connected to the affiliated store terminal 1695. Connect a predetermined communication channel based on a wireless protocol corresponding to the IEEE 802.16x standard, and transmit and output a predetermined interface screen and / or information providing screen to the affiliated store terminal 1695 through the communication channel. It is preferable to perform a function of receiving and processing predetermined customer service information corresponding to the interface screen from an affiliated store terminal 1695, and / or the affiliated store terminal 1695 communicates through an IEEE 802.11x based wireless communication network. If the channel is a wireless terminal connected, the interface unit 1675 is a wireless terminal corresponding to the merchant terminal 1695 and the IEEE 802.11x standard. Connect a predetermined communication channel based on a protocol, transmit and output a predetermined interface screen and / or information providing screen to the affiliated store terminal 1695 through the communication channel, and display the interface screen from the affiliated store terminal 1695. It is preferable to perform a function of receiving and processing predetermined customer-specific service information corresponding to.

Referring to FIG. 16, the information registration server 1670 is linked with the interface unit 1675 when a predetermined merchant terminal 1695 accesses the information registration server 1670 through the interface unit 1675. An interface provider 1680 for generating (or extracting) a predetermined interface screen for inputting (or selecting) and sending predetermined customer-customized service information from the affiliated store terminal 1695, and the interface unit 1675. An information receiving unit 1685 for receiving customer service information inputted (or selected) transmitted by the affiliated store terminal 1695 through the interface screen, and storing the received customer service information in the storage medium 1660. It is characterized by comprising an information storage unit 1690 to be stored in).

The interface providing unit 1680 has a functional configuration (eg, an affiliate store) provided to the affiliated store terminal 1695 when a predetermined affiliated store terminal 1695 accesses the information registration server 1670 through the interface unit 1675. In response to a browser program included in the terminal 1695, a predetermined interface screen capable of inputting (or selecting) predetermined customer service information to be transmitted to the information registration server 1670 through the network means, or And / or extract from a predetermined database (not shown), and provide the generated (or extracted) interface screen to the affiliated store terminal 1695 via the network means in association with the interface unit 1675. do.

Thereafter, the affiliated store terminal 1695 inputs (or selects) predetermined customer service information based on the interface screen, and when it is confirmed that the customized service information is input (or selected), the affiliated store terminal 1695. ) Transmits the input (or selection) of the customized service information to the information registration server 1670 through the network means.

In the technical field to which the present invention pertains, the merchant terminal 1695 inputs (or selects) the customized service information through at least one form form included in the interface screen. Technical features and technical features for transmitting the input (or selection) of the customized service information to the information registration server 1670 through a communication protocol provided by the network means will be understood. Omit for convenience.

The information receiving unit 1685 inputs (or selects) predetermined customer service information through the interface screen at the affiliated store terminal 1695 and transmits the data through the network terminal, in cooperation with the interface unit 1675. And receiving the customer service information, and providing the received customer service information to the information storage unit 1690.

The information storage unit 1690 stores the customer service information received through the information receiving unit 1685 in the storage medium 1660.

According to the exemplary embodiment of the present invention, the customized service information stored in the storage medium 1660 may include at least one or more coupon information provided to the customer by the affiliate store (or franchise), and the coupon The customized service information including information is preferably used by the customized service processor 1650 to provide a coupon providing service to at least one or more customer wireless terminals 700 corresponding to the customer information.

Alternatively, the customized service information stored in the storage medium 1660 may include at least one parking ticket information provided to the customer by the affiliate store (or franchise), and the customer includes the parking ticket information. The personalized service information may be used by the personalized service processor 1650 to provide a parking ticket providing service to at least one customer wireless terminal 700 corresponding to the customer information.

Alternatively, the customized service information stored in the storage medium 1660 may include at least one bulletin board registration information registered through the affiliated store terminal 1695, and / or at least one registered through the customer wireless terminal 700. It is preferable that the bulletin board registration information is included, wherein the customized service information including the bulletin board registration information includes the predetermined bulletin board information registration service by the at least one customer wireless terminal 700 by the customized service processor 1650. It is preferably used to provide.

Those skilled in the art to which the present invention pertains will be able to infer various implementation methods for various information configurations for the customized service information stored in the storage medium 1660, but the present invention is inferred It is characterized by including all the implementation method.

17A and 17B illustrate a wireless payment process for a customer according to an exemplary embodiment of the present invention.

In more detail, FIGS. 17A and 17B illustrate a wireless payment program mounted on the wireless terminal 700 through the program providing system illustrated in FIGS. 3 and / or 5 in the wireless terminal 700 illustrated in FIG. 7. Through the wireless payment server 1600 on the customer-specific wireless payment system shown in Figure 16 through the customer wireless terminal 700 recognition and merchant authentication process using the short-range communication shown in Figure 8 and / or 9 After performing, the process for providing a predetermined wireless payment service to the customer through the wireless payment program in the wireless terminal 700, if one of ordinary skill in the art to which the present invention belongs, 17A and 17B may be inferred by referring to and / or modifying various implementation methods for the wireless payment process for the customer, but the present invention is inferred from the inferred model. All implementation methods are included, and the technical features are not limited only to the implementation methods shown in FIGS. 17A and 17B.

For example, those skilled in the art to which the present invention pertains may refer to and / or modify the drawings 17a and 17b and are provided in the wireless terminal 700 in the parking management terminal provided in the parking lot in the affiliated store. The process of providing a parking ticket using service in conjunction with the wireless payment program may be inferred, but the present invention is characterized by including all the inferred implementation method.

Referring to FIGS. 17A and 17B, the wireless terminal 700 illustrated in FIG. 7 is used to execute a wireless payment program mounted on the wireless terminal 700 through a program providing system illustrated in FIGS. 3 and / or 5. After performing the wireless payment server 1600 on the customer-specific wireless payment system shown in Figure 16 and the customer wireless terminal 700 using the short-range communication shown in Figure 8 and / or 9 and the merchant authentication process When a predetermined wireless payment screen (or a customized service screen) is output to the wireless terminal 700 and the wireless payment function of the wireless payment program is activated, a payment terminal in the affiliated store through a short range communication channel using the local device. The payment information and the affiliated store information including a predetermined payment amount are transmitted to the wireless terminal 700 (1700).

Those skilled in the art to which the present invention pertains transmit payment information including the predetermined payment amount and the affiliated store information to the wireless terminal 700 through the near field device according to each short range wireless communication standard. Since you will be familiar with the process, detailed description thereof will be omitted for convenience.

Thereafter, the wireless terminal 700 reads the received affiliated store information and checks the validity of the affiliated store to confirm the payment information transmitted from the affiliated store through the wireless payment function provided in the wireless payment program. (1705).

According to the exemplary embodiment of the present invention, the wireless terminal 700 compares the merchant information stored in the memory unit with the received merchant information through the wireless payment program, and compares the payment information transmitted from the merchant with the wireless payment program. It is desirable to check that the wireless payment process provided in the wireless payment function.

If the affiliate store validity is not authenticated (1710), the wireless terminal 700 does not perform a wireless payment function using the wireless payment program.

On the other hand, if the merchant validity is not authenticated (1710), the wireless terminal 700 to process the payment information from the memory unit (or financial IC chip provided in the wireless terminal 700) through the wireless payment program. Predetermined customer payment method information (e.g., account transfer payment method information (customer account number, etc.) based on the customer financial account, or check card payment method information (check card number and expiration date, etc.) associated with the customer financial account; Or debit card payment method information (debit card number and expiration date, etc.) associated with the customer financial account, or credit card payment method information (credit card number and expiration date, etc.) using the customer financial account as a settlement account; In step 1715, the client receives predetermined customer payment means information for processing the payment information from the wireless payment server 1600 through the wireless communication network.

Thereafter, the wireless terminal 700 inputs predetermined wireless payment authentication information for processing wireless payment through the wireless payment program (1720).

According to an embodiment of the present invention, the wireless payment authentication information may include an account password (or card password) corresponding to the customer payment means, and / or a payment password corresponding to the wireless payment requested through the wireless payment request information. , A bank transfer password, etc.), and / or a security code (eg, a security code printed on a security card issued to a customer, and / or a combination of at least two security codes), and / or a predetermined one time password (OTP). It is preferable to include at least one or more OTP code generated through the generator.

If the wireless payment authentication information is input (1725), the wireless terminal 700 includes the payment information including the customer payment means information and a predetermined payment amount and the wireless payment authentication information through the wireless payment program. Generate predetermined wireless payment request information (1730), and convert the generated wireless payment request information into at least one encryption method (eg, a secret key (or symmetric key) encryption method, and / or a public key encryption method, and / or The electronic device encrypts the data according to the electronic envelope encryption method and / or the key exchange encryption method (1735).

According to an embodiment of the present invention, the wireless payment request information includes a communication protocol defined for transmitting customer payment means information, the payment information, and the wireless payment authentication information to the wireless payment server 1600 through the wireless communication network ( Or a data structure corresponding to a security protocol).

If the wireless payment request information is encrypted (1740), the wireless terminal 700 transmits the wireless payment request information to the wireless payment server 1600 through the wireless communication network (1745), the wireless payment server ( In operation 1750, the wireless payment request information is received through the wireless communication network, and the wireless payment request information is decrypted through a predetermined decryption method corresponding to the encryption method (1750).

If the wireless payment request information is decoded (1755), the wireless payment server 1600 performs a wireless payment procedure using customer payment means information and payment information corresponding to the wireless payment request information in connection with the financial system. (1760).

In the technical field to which the present invention belongs, the wireless payment server 1600 is connected to the financial system to perform a predetermined wireless payment process through the customer payment means information and payment information included in the wireless payment request information. Since it will be, a detailed description thereof will be omitted for convenience.

If the wireless payment procedure is completed (1765), the wireless payment server 1600 generates predetermined wireless payment result information corresponding to the wireless payment request information in connection with the financial system (1770), and the wireless communication network The wireless payment result information is transmitted to the wireless terminal 700 through (1775).

18A and 18B illustrate a wireless payment process for a customer according to another exemplary embodiment of the present invention.

In more detail, FIGS. 18A and 18B illustrate a wireless payment program mounted on the wireless terminal 700 through the program providing system illustrated in FIGS. 3 and / or 5 in the wireless terminal 700 illustrated in FIG. 7. After performing the customer wireless terminal 700 recognition and merchant authentication process using the small repeater shown in Figure 10 in connection with the wireless payment server 1600 on the customized wireless payment system shown in Figure 16 through the The process of providing a predetermined wireless payment service to the customer through the wireless payment program in the wireless terminal 700, if the person of ordinary skill in the art to which the present invention belongs, this figure 18a and 18b While reference and / or modification may infer various implementation methods for the wireless payment process for the customer, but the present invention may infer all implementation methods inferred from the above. It is made, including, to which the technical feature that is not limited to the exemplary method shown in the figure 18a and figure 18b.

For example, a person having ordinary knowledge in the art to which the present invention pertains may refer to and / or modify the drawings 18a and 18b so that the wireless terminal 700 is provided in the parking management terminal provided in the parking lot in the affiliated store. The process of providing a parking ticket using service in conjunction with the wireless payment program may be inferred, but the present invention is characterized by including all the inferred implementation method.

18A and 18B, a wireless payment program mounted on the wireless terminal 700 through the program providing system illustrated in FIGS. 3 and / or 5 in the wireless terminal 700 illustrated in FIG. 7. Through the wireless payment server 1600 on the customer-customized wireless payment system shown in Figure 16 and the wireless terminal 700 recognition and merchant authentication using the small repeater shown in Figure 10 after performing the wireless terminal, When a predetermined wireless payment screen (or a customized service screen) is output to the 700 and the wireless payment function of the wireless payment program is activated, the predetermined payment to the wireless terminal 700 is performed from the payment terminal in the affiliate store through the wireless communication network. The payment information including the payment amount and the affiliated store information are transmitted (1800).

Those skilled in the art will be familiar with the process of transmitting payment information and the merchant information including a predetermined payment amount to the wireless terminal 700 through the wireless communication network. Detailed description thereof will be omitted for convenience.

Thereafter, the wireless terminal 700 reads the received affiliated store information and checks the validity of the affiliated store to confirm the payment information transmitted from the affiliated store through the wireless payment function provided in the wireless payment program. (1805).

According to the exemplary embodiment of the present invention, the wireless terminal 700 compares the merchant information stored in the memory unit with the received merchant information through the wireless payment program, and compares the payment information transmitted from the merchant with the wireless payment program. It is desirable to verify that the wireless payment process provided in the wireless payment function.

If the merchant validity is not authenticated (1810), the wireless terminal 700 does not perform a wireless payment function using the wireless payment program.

On the other hand, if the merchant validity is not authenticated (1810), the wireless terminal 700 will process the payment information from the memory unit (or financial IC chip provided in the wireless terminal 700) through the wireless payment program. Predetermined customer payment method information (e.g., account transfer payment method information (customer account number, etc.) based on the customer financial account, or check card payment method information (check card number and expiration date, etc.) associated with the customer financial account; Or debit card payment method information (debit card number and expiration date, etc.) associated with the customer financial account, or credit card payment method information (credit card number and expiration date, etc.) using the customer financial account as a settlement account; Or 1815 receiving predetermined customer payment means information for processing the payment information from the wireless payment server 1600 through the wireless communication network.

Thereafter, the wireless terminal 700 inputs predetermined wireless payment authentication information for processing wireless payment through the wireless payment program (1820).

According to an embodiment of the present invention, the wireless payment authentication information may include an account password (or card password) corresponding to the customer payment means, and / or a payment password (for example, wireless payment requested through the wireless payment request information). , A bank transfer password, etc.), and / or a security code (eg, a security code printed on a security card issued to a customer, and / or a combination of at least two security codes), and / or a predetermined one time password (OTP) generator. It is preferable to include at least one or more OTP code generated through.

If the wireless payment authentication information is input (1825), the wireless terminal 700 includes the payment information including the customer payment means information and a predetermined payment amount and the wireless payment authentication information through the wireless payment program. Generate (1830) predetermined wireless payment request information, and convert the generated wireless payment request information into at least one encryption method (e.g., a secret key (or symmetric key) encryption method, and / or a public key encryption method, and / or The electronic device encrypts the data according to an electronic envelope encryption method and / or a key exchange encryption method (1835).

According to an embodiment of the present invention, the wireless payment request information includes a communication protocol defined for transmitting customer payment means information, the payment information, and the wireless payment authentication information to the wireless payment server 1600 through the wireless communication network ( Or a data structure corresponding to a security protocol).

If the wireless payment request information is encrypted (1840), the wireless terminal 700 transmits the wireless payment request information to the wireless payment server 1600 through the wireless communication network (1845), the wireless payment server ( In operation 1850, the wireless payment request information is received through the wireless communication network, and the wireless payment request information is decrypted through a predetermined decryption method corresponding to the encryption method (1850).

If the wireless payment request information is decoded (1855), the wireless payment server 1600 performs a wireless payment procedure using customer payment means information and payment information corresponding to the wireless payment request information in connection with the financial system. (1860).

In the technical field to which the present invention belongs, the wireless payment server 1600 is connected to the financial system to perform a predetermined wireless payment process through the customer payment means information and payment information included in the wireless payment request information. Since it will be, a detailed description thereof will be omitted for convenience.

If the wireless payment procedure is completed (1865), the wireless payment server 1600 generates predetermined wireless payment result information corresponding to the wireless payment request information in connection with the financial system (1870) and the wireless communication network In operation 1875, the wireless payment result information is transmitted to the wireless terminal 700.

19 illustrates a process of providing a personalized service through a wireless payment program according to an embodiment of the present invention.

In more detail, FIG. 19 shows the wireless terminal 700 shown in FIG. 7 through a wireless payment program mounted on the wireless terminal 700 through the program providing system shown in FIGS. 3 and / or 5. Regarding the process of providing at least one or more customized services to the customer through the wireless payment program in the wireless terminal 700 in connection with the customized server 1625 on the customized wireless payment system shown in Figure 16, Specifically, the wireless terminal 700 is in the process of receiving a customer-customized service such as a coupon providing service or a parking ticket providing service to the customer through the wireless payment program.

Those skilled in the art to which the present invention pertains can refer to various embodiments of providing a customized service through a wireless payment program by referring to and / or modifying the drawing 19, but the present invention can be inferred from the above. It is made to include all inferred implementation methods, the technical features are not limited only to the implementation method shown in FIG.

Referring to FIG. 19, the wireless terminal 700 illustrated in FIG. 7 is connected to the wireless payment program installed in the wireless terminal 700 through the program providing system illustrated in FIGS. 3 and / or 5. In connection with a custom server 1625 on the custom wireless payment system shown in 16, the wireless terminal 700 has a custom service menu corresponding to a predetermined coupon providing service or parking ticket providing service through the wireless payment program. When selected (1900), the wireless terminal 700 extracts predetermined parameter information corresponding to the selected customized service menu from the memory unit (1905).

According to an exemplary embodiment of the present invention, the custom service menu selection process is preferably performed by the customer selecting a predetermined customer service menu or clicking a key button related to the customer service.

Thereafter, the wireless terminal 700 includes predetermined customized service request information (eg, coupon request information or parking ticket request information, etc.) corresponding to the customized service menu and predetermined customized service including the extracted parameter information. The request information is generated (1910), and the generated customized service request information is transmitted to the customized server 1625 (1915).

Thereafter, the customized server 1625 reads the received customized service request information to determine whether the customized service requested from the wireless terminal 700 is an information providing service such as a predetermined coupon providing service or a parking ticket providing service. (1920).

If the customized service corresponding to the received customized service request information is not the information providing service (1925), the customized server 1625 may store the storage medium 1660 on the customized wireless payment system shown in FIG. 16. In operation 1930, an information registration service corresponding to the customer service request information is provided.

On the other hand, if the customized service corresponding to the received customized service request information is the information providing service (1925), the customized server 1625 is a storage medium 1660 on the customized wireless payment system shown in FIG. In operation 1935, customer service information (eg, coupon information or parking ticket information) corresponding to the customer service request information received from the wireless payment program included in the wireless terminal 700 is extracted.

Thereafter, the customer server 1625 checks whether or not to convert the data structure for outputting the extracted customer service information through a wireless payment program provided in the wireless terminal 700 (1940). If a data structure transformation is required for service information (1945), the customer customization server 1625 converts the customer customization service information into a data structure that can be output through a wireless payment program included in the wireless terminal 700 ( 1950).

For example, when the encoding scheme of the customer service information is not compatible with the wireless payment program provided in the wireless terminal, the customer server 1625 may transmit the customer service information to the wireless terminal. It is preferable to encode in an encoding method that can be output through a payment program.

Or, if the file format (or compression codec) of the image content and / or sound content and / or multimedia content corresponding to the customized service information is not compatible with the wireless payment program provided in the wireless terminal, the customized server In operation 1625, converting the file format (or compression codec) of the image content and / or sound content and / or multimedia content into a file format (or compression codec) that can be output through a wireless payment program included in the wireless terminal. desirable.

If the customer service information is converted into a data structure that can be output through a wireless payment program provided in the wireless terminal 700, or if the data structure conversion of the customer service information is not necessary, the customer service server 1625 ) Transmits the customized service information to the wireless terminal 700 (1955), and correspondingly, the wireless terminal 700 receives and stores the customized service information and outputs it through the wireless payment program. (1960).

20A and 20B illustrate a process of providing a customized service through a wireless payment program according to another exemplary embodiment of the present invention.

In more detail, FIGS. 20A and 20B illustrate a wireless payment program mounted on the wireless terminal 700 through the program providing system illustrated in FIGS. 3 and / or 5 in the wireless terminal 700 illustrated in FIG. 7. In the process of providing at least one customer service to the customer through the wireless payment program in the wireless terminal 700 in conjunction with the customer server 1625 on the customer wireless payment system shown in Figure 16 through In particular, the wireless terminal 700 is in the process of providing a customer-customized service corresponding to the bulletin board information registration service to the customer through the wireless payment program.

Those skilled in the art to which the present invention pertains will be able to infer various implementation methods for providing customized services through the wireless payment program by referring to and / or modifying the drawings 20a and 20b. The present invention includes all the inferred implementation methods, and the technical features are not limited only to the implementation methods shown in FIGS. 20A and 20B.

20A and 20B, a wireless payment program mounted on the wireless terminal 700 through the program providing system illustrated in FIGS. 3 and / or 5 in the wireless terminal 700 illustrated in FIG. 7. A customized service menu corresponding to a predetermined customer bulletin board service is selected through the wireless payment program in the wireless terminal 700 in connection with the customized server 1625 on the customized wireless payment system shown in FIG. In operation 2000, the wireless terminal 700 extracts predetermined parameter information corresponding to the selected customized service menu from the memory unit (2005).

According to an exemplary embodiment of the present invention, the custom service menu selection process is preferably performed by the customer selecting a predetermined customer service menu or clicking a key button related to the customer service.

Thereafter, the wireless terminal 700 generates predetermined customized service request information including predetermined customized service request information (eg, customer bulletin board service request information) corresponding to the customized service menu and the extracted parameter information. In operation 2010, the generated customized service request information is transmitted to the customized server 1625.

Thereafter, the customized server 1625 reads the received customized service request information and checks whether the customized service requested from the wireless terminal 700 is a bulletin board information registration service such as a predetermined customer bulletin board service (2020). ).

If the customized service corresponding to the received customized service request information is not the bulletin board information registration service (2025), the customized server 1625 may store the storage medium on the customized wireless payment system shown in FIG. In operation 2030, the service providing information corresponding to the customer service request information is provided in connection with the customer service request information.

On the other hand, if the customized service corresponding to the received customized service request information is the bulletin board information registration service (2025), the customized server 1625 is a storage medium 1660 on the customized wireless payment system shown in FIG. Check the wireless interface information corresponding to the customer service request information received from the wireless payment program included in the wireless terminal 700 (2035) and check the wireless interface information on the wireless terminal 700. (2040).

For example, when the information registration service is a customer bulletin board service, the air interface information preferably includes the customer bulletin board list information.

Thereafter, the wireless terminal 700 outputs a predetermined wireless interface screen corresponding to the wireless interface information through the wireless payment program (2045), and at least one or more customizations through the wireless interface screen corresponding to the wireless payment program. The service registration information is input (or selected) (2050).

For example, when the information registration service is a customer bulletin board service, the customized service registration information input (or selected) through the air interface screen may include at least one bulletin board registration information to be registered in the customer bulletin board.

If an input (or selection) of the personalized service registration information is confirmed (2055), the wireless terminal 700 transmits the inputted (or selected) personalized service registration information to the customer-customized server 1625; In operation 2060, the customer customization server 1625 stores the received personalized service registration information in the storage medium 1660 (2065).

According to the present invention, the affiliated store (or franchise) provides at least one or more wireless payment services to customers in connection with a predetermined financial institution, and at least optimized for the corresponding affiliated store (or franchise) in connection with the wireless payment. The advantage is the ability to provide one or more custom wireless application services.

According to the present invention, the financial institution provides at least one wireless payment service and a customized wireless application service in association with the affiliate store (or franchise), thereby providing the affiliate store (or franchise) and the affiliate store (or franchise) customer. It has the advantage of attracting customers of financial institutions.

Claims (4)

Program providing means for providing a predetermined wireless payment program including at least one or more customized service functions and wireless payment functions requested by a predetermined affiliate store (or franchisor) to the affiliated store (or franchisor) customer wireless terminal; Customized service providing means for providing at least one or more customized services requested by the affiliated store (or franchise) in connection with a customized wireless payment program provided in the customer wireless terminal; And And a wireless payment providing means for providing at least one wireless payment service in association with a customized wireless payment program provided in the customer wireless terminal. The method of claim 1, Checking the wireless channel information between the customer wireless terminal and the predetermined wireless communication network through a predetermined small repeater connected to the wireless communication network connected to the customer wireless terminal, the customer wireless terminal has entered the merchant (or franchise) store. Wireless terminal recognition means for recognizing; And an information transmitting means for transmitting message information for driving a customer-specific wireless payment program provided in the customer wireless terminal through the wireless communication network. The method of claim 1, Wireless terminal recognition means for recognizing that the customer wireless terminal has entered the affiliated store (or franchise) store through a short range communication means provided in the customer wireless terminal; And an information transmitting means for transmitting message information for driving a customized wireless payment program provided to the customer wireless terminal through the short range communication means. The merchant (or franchisor) dedicated wireless payment processing system further comprises. According to claim 1, The customer service providing means, In the financial company that provides the wireless payment service, or Merchants (or franchisors) dedicated wireless payment processing system, characterized in that provided in the merchant (or franchisor) requesting the customer service.

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