KR20090000614A - Method of providing offline mobile payment and computer-readable medium having thereon program performing function embodying the same - Google Patents

Abstract

An offline mobile payment method is provided to perform authentication by using a credit inquiry terminal, and to obtain a customer's signature on a real slip or an electronic slop, thereby preventing illegal usage or a dispute such as a denial of usage, consequently the method can be applied offline. Payment information corresponding to a user's mobile communication terminal is obtained(S110). The payment information is transmitted to a VAN server(S130). Payment results on the payment information are received from the VAN server(S150). The user's confirmation is obtained according to the payment results(S170).

Description

FIELD OF PROVIDING OFFLINE MOBILE PAYMENT AND COMPUTER-READABLE MEDIUM HAVING THEREON PROGRAM PERFORMING FUNCTION EMBODYING THE SAME}

1 is a view showing an environment for a conventional mobile payment.

2 illustrates an exemplary environment in which an offline mobile payment method is implemented in accordance with the present invention.

3 is an exemplary flowchart of an offline mobile payment method in accordance with the present invention, an exemplary flowchart of offline mobile payment in a credit check terminal.

4 is an exemplary flowchart of an offline mobile payment method in accordance with the present invention, an exemplary flowchart of offline mobile payment within a VAN server.

5 is an exemplary flowchart of an offline mobile payment method in accordance with the present invention, an exemplary flowchart of offline mobile payment within a payment agency server.

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

110: user terminal 130: mobile communication terminal

150: billing agency server 170: mobile carrier server

210: credit inquiry terminal 230: VAN server

250: billing agency server 270: carrier server

The present invention relates to an offline mobile payment method and a computer-readable recording medium recording a program for realizing the same. More particularly, the present invention relates to an authentication method using a credit inquiry terminal by improving the problem of the mobile payment method used in the conventional online payment. Computer-readable records of offline mobile payment methods that can be applied offline, and programs for realizing them, to prevent disputes such as fraudulent use or denial of use by securing customer signatures on real or electronic slips. It is about the medium.

Recently, a payment method using a mobile communication terminal has been introduced and used as a payment method in electronic commerce, especially in small payments.

The payment method using the mobile communication terminal is referred to as "mobile payment" hereinafter.

A more detailed description of the conventional mobile payment is as follows.

1 is a view showing an environment for a conventional mobile payment.

As shown, the conventional mobile payment environment is a user terminal 110, a payment agency server 150 connected to the user terminal 110 and the Internet network, the payment agency server 150 and a mobile carrier server 170 connected through a dedicated line. And a mobile communication terminal 130 that receives an authentication number or payment completion from the mobile communication company server 170.

The user terminal 110 refers to a computer, a mobile communication terminal, etc. of a purchaser who wants to purchase an item in an internet shopping mall (not shown), and has a built-in web browser capable of internet access.

The payment agency server 150 refers to a mobile payment service agency connected to the mobile carrier server 170 through a dedicated line, and currently, a service such as Danal, Infohub, Mobility, and the like.

When the mobile service provider server 170 approves the payment, the mobile communication terminal 130 receives the mobile communication terminal 130 of the customer who receives the authentication number from the mobile communication service provider server 170 through a short message (SMS). It means. If the user terminal 110 is a terminal capable of wireless internet, the user terminal 110 and the mobile communication terminal 130 may be the same component.

An example of a conventional mobile payment process is as follows.

First, when a user accesses an internet shopping mall site and selects an item or service to purchase and then selects a payment method by micro payment of the mobile terminal, the user terminal 110 is connected to the payment agency server 150 and the web of the payment agency. The page will appear.

Thereafter, a window for inputting payment related information, that is, a mobile terminal number and a payment amount is displayed on the web page of the payment agency, and the user inputs the information.

The payment agency server 150 transmits the payment related information input by the user to the mobile communication company server 170 and requests payment approval.

The mobile communication company server 170 identifies the user through the transmitted mobile communication terminal number, and inquires whether the inputted mobile communication terminal number is overdue and the payment amount is suitable for payment through the mobile communication terminal. do. For example, it is checked whether or not it is used for a small amount of payment.

If the payment is approved, the mobile carrier server 170 transmits a predetermined authentication number to the corresponding mobile communication terminal 130 of the customer by using SMS, and also transmits the same authentication number to the payment agency server 150. The payment agency server 150 stores the transmitted authentication number together with the mobile communication terminal number.

However, if the payment is not approved, the mobile carrier server 170 transmits the information that payment is impossible to the payment agency server 150.

When the payment is approved, the user who receives the authentication number through the mobile terminal 130 owned by the user inputs the authentication number received through the user terminal 110, and the input authentication number is the payment agency server 150. Is sent to.

Thereafter, the payment agency server 150 compares the authentication number transmitted from the mobile telecommunication company server 170 with the authentication number input by the user, and if it matches, transmits a payment request to the mobile telecommunication company server 170 to process the payment. .

After the payment is completed, the mobile communication company server 170 transmits a payment completion message to the mobile communication terminal 130 and also transmits a payment completion code to the payment agency server 150, thereby ending the conventional mobile payment process. .

Such a conventional mobile payment is a very high frequency of use as a payment means for a small payment, in particular, the purchase of content.

As described above, the conventional mobile payment method inputs an authentication number received from the mobile communication terminal 130 through the user terminal 110 for payment authentication, and transmits the input authentication number to the payment agency server 150. The process of becoming.

Therefore, such a conventional mobile payment method can be used only in an online environment and has a disadvantage that it cannot be used in an offline environment.

That is, in the case of applying the conventional mobile payment method in an offline environment in which face-to-face transactions are made, in most cases, even when receiving an authentication number for an individual transaction, it is not suitable for the surrounding environment where the authentication number can be input.

An object of the present invention is to improve the problem of the mobile payment method used in the conventional online payment to perform the authentication using a credit check terminal and secure customer signature on the physical slip or electronic slip to avoid disputes such as fraudulent use or denial of use. It can be prevented to provide an offline mobile payment method that can be applied on the offline.

Another object of the present invention is to provide a computer-readable recording medium having recorded thereon a program for realizing each step of the offline mobile payment method.

In order to achieve the above technical problem, the present invention provides a credit inquiry terminal for receiving a mobile payment input, a VAN server for mediating the mobile payment, a payment agency server for the mobile payment, and a mobile carrier server for performing the mobile payment. An offline mobile payment method in the credit inquiry terminal of a mobile payment system, comprising: (a) obtaining payment information corresponding to a mobile communication terminal of a user; and (b) transmitting the payment information to the VAN server. And (c) receiving a payment result for the payment information from the VAN server, and (d) obtaining a confirmation of the user in response to the payment result. do.

In the offline mobile payment method according to the invention, the step (a), (a-1) obtaining the payment amount of the user, (a-2) the identification number of the mobile communication terminal or the mobile payment Acquiring payment authentication information including an authentication number corresponding to the mobile communication terminal, and (a-2) generating the payment information based on the payment amount and the payment authentication information. have.

In addition, in the offline mobile payment method according to the present invention, the step (a-2), (a-3) may include the step of receiving the payment authentication information transmitted in a contactless or contact manner from the mobile communication terminal. have.

In addition, in the offline mobile payment method according to the present invention, the step (a-2) may include (a-4) receiving the payment authentication information input through the input device of the credit inquiry terminal. .

In the offline mobile payment method according to the present invention, the authentication number may be a predetermined password corresponding to the mobile payment of the mobile communication terminal.

In addition, in the offline mobile payment method according to the present invention, the authentication number is an individual authentication number transmitted from the mobile communication company server to the mobile communication terminal in response to the mobile payment individual case of the mobile communication terminal, the step (b) (B-1) transmitting the transaction amount and the identification number of the mobile communication terminal to the VAN server, and (b-2) identifying the transaction amount and the mobile communication terminal received from the mobile communication terminal. Obtaining the individual authentication number corresponding to the number, and (b-3) transmitting the individual authentication number to the VAN server.

In addition, in the offline mobile payment method according to the present invention, the step (b) is (b-4) converting the payment information into a pre-determined inquiry request telegram, (b-5) the inquiry request telegram It may include the step of transmitting to the VAN server.

In addition, in the offline mobile payment method according to the present invention, the step (c) may include (c-1) converting the payment result into a predetermined document output format.

In addition, in the offline mobile payment method according to the present invention, the step (d) may include (d-1) electronically obtaining the signature of the user in response to the payment result.

In another aspect, the present invention provides a mobile payment system comprising a credit inquiry terminal for receiving a mobile payment input, a VAN server for mediating the mobile payment, a payment agency server for the mobile payment and a mobile communication server for performing the mobile payment. A mobile payment method in a VAN server, the method comprising: (a) obtaining payment information corresponding to a mobile communication terminal of a user from the credit inquiry terminal, and (b) transmitting the payment information to the payment agency server to verify payment. Requesting; and (c) receiving a result of the payment verification from the payment agency server; and (d) transmitting a result of the payment verification to the credit inquiry terminal. Provide a mobile payment method.

In the offline mobile payment method according to the present invention, the step (a) is (a-1) authentication corresponding to the mobile communication terminal for the payment amount of the user and the identification number of the mobile communication terminal or the mobile payment And acquiring the payment information including the number.

In the offline mobile payment method according to the present invention, the authentication number may be a predetermined password corresponding to the mobile payment of the mobile communication terminal.

In addition, in the offline mobile payment method according to the present invention, the authentication number is an individual authentication number transmitted from the mobile communication company server to the mobile communication terminal corresponding to the individual mobile payment of the mobile communication terminal, the step (b ), (B-1) transmitting the transaction amount and the identification number of the mobile communication terminal to the payment agency server, and (b-2) the transaction amount and the mobile communication terminal received from the mobile communication terminal. Obtaining the individual authentication number corresponding to the identification number of (b-3) and transmitting the individual authentication number to the payment agency server.

In addition, in the offline mobile payment method according to the present invention, the step (b), (b-4) converting the payment information into a pre-designated authentication request, and (b-5) the full authentication request It may include the step of transmitting to the payment agency server.

In addition, in the offline mobile payment method according to the present invention, the step (d), (d-1) comprises the step of converting the result of the payment authentication to the credit inquiry terminal in a predetermined result transmission format and transmitting the result; Can be.

In another aspect, the present invention provides a mobile payment system comprising a credit inquiry terminal for receiving a mobile payment input, a VAN server for mediating the mobile payment, a payment agency server for the mobile payment and a mobile communication server for performing the mobile payment. A mobile payment method in a payment agency server, comprising: (a) obtaining payment information corresponding to a user's mobile terminal from the VAN server, and (b) transferring some or all of the payment information to the mobile communication server. Requesting a payment by transmitting; (c) receiving a result of the payment request from the mobile carrier server, and (d) transmitting a result of the payment request to the VAN server. It provides an offline mobile payment method.

In the offline mobile payment method according to the present invention, the step (a) is (a-1) authentication corresponding to the mobile communication terminal for the payment amount of the user and the identification number of the mobile communication terminal or the mobile payment And acquiring the payment information including the number.

In the offline mobile payment method according to the present invention, the authentication number may be a predetermined password corresponding to the mobile payment of the mobile communication terminal.

In addition, in the offline mobile payment method according to the present invention, the authentication number is an individual authentication number transmitted from the mobile communication company server to the mobile communication terminal corresponding to the individual mobile payment of the mobile communication terminal, the step (c) (C-1) may include receiving the individual authentication number from the mobile communication company server, and (c-2) receiving the individual authentication number from the VAN server.

The present invention also provides a computer-readable recording medium having recorded thereon a program for realizing each step of the offline mobile payment method according to the present invention described above.

Hereinafter, with reference to the accompanying drawings an embodiment of the offline mobile payment method of the present invention and a computer-readable recording medium recording a program for realizing the same will be described in more detail.

2 is a diagram illustrating an exemplary environment in which an offline mobile payment method according to the present invention is implemented.

As illustrated in FIG. 2, an exemplary environment in which an offline mobile payment method is implemented according to the present invention includes a credit inquiry terminal 210, a VAN server 230, a payment agency server 250, and a mobile communication company server 270. It includes.

The credit inquiry terminal 210 is a terminal in which a function for implementing an offline mobile payment method according to the present invention is added to a terminal that performs inquiry approval of a card payment on a conventional offline. Therefore, it performs a function of outputting the inquiry or approval result by the offline mobile payment method according to the invention as a slip.

Meanwhile, the credit inquiry terminal 210 may include a POS terminal. In other words, POS systems are often applied for store management in recent years, and POS terminals including credit card payments are often included in such POS systems. Since the credit check terminal 210 performs a function of performing a credit card payment and additionally the offline mobile payment method according to the present invention is implemented, the credit check terminal 210 accordingly the offline mobile payment method according to the present invention. This may include an implemented POS terminal.

The VAN server 230 is a server for brokering the inquiry and approval for the offline mobile payment method according to the present invention from the credit inquiry terminal 210 in addition to the conventional VAN server for credit card payment mediation. The intermediary function for interrogation and approval by the offline mobile payment method according to the present invention may be included, or may be a server for separately processing the interrogation and approval for the offline mobile payment method according to the present invention.

The payment agency server 250 performs the payment agent by the offline mobile payment method according to the present invention in addition to the function of performing the payment agent for the conventional mobile payment.

Meanwhile, the VAN server 230 and the payment agency server 250 may operate in the same subject. That is, the VAN server 230 is an interface with the credit inquiry terminal 210, the payment agency server 250 is an interface with the mobile communication company server 270. These two interfaces can be operated simultaneously by, for example, a VAN provider.

The mobile telecommunication company server 270 performs payment through communication with the payment agency server 250. In addition, a billing verification number for billing verification for each item may be transmitted to a user's mobile terminal or billing agency server 250, or may be configured to perform billing if a predetermined authentication password matches without this process. .

3 is an exemplary flowchart of an offline mobile payment method according to the present invention, and shows an exemplary flowchart of offline mobile payment in a credit check terminal.

As shown, first, payment information corresponding to a user's mobile terminal (not shown) is obtained (S110).

The payment information may include, for example, a payment amount and payment authentication information thereof.

For example, when purchasing an item in an offline store, the corresponding amount will be the payment amount, and the payment authentication information means information for processing the payment amount in the credit inquiry terminal 210 using the offline mobile payment method according to the present invention. .

To this end, step S110 may include obtaining a payment amount of the user and obtaining payment authentication information.

The acquisition of the payment amount may be performed by, for example, receiving through a key input means of the credit inquiry terminal 210.

The payment authentication information may include, for example, an identification number of the user's mobile communication terminal or an authentication number corresponding to the mobile communication terminal for mobile payment.

That is, if the payment amount is added to the user's mobile terminal usage fee using the phone number of the user's mobile terminal, the telephone number may be an identification number. Alternatively, the identification number may be unique information such as a serial number in the mobile communication terminal.

In addition, the authentication number may be, for example, a password specified in advance by a mobile communication company or the like corresponding to the offline mobile payment method according to the present invention.

In this case, transmission of payment information is terminated by obtaining a mobile communication terminal identification number and a password, and generating payment information by adding a payment amount thereto.

However, the authentication number may also be an individual authentication number generated by the mobile communication company server 270 and transmitted to the mobile communication terminal in response to the mobile payment individual case of the mobile communication terminal.

Payment information in the case of using such an individual authentication number will be described in detail later with reference to step S130.

Meanwhile, the acquisition of payment authentication information may be possible in two cases as follows.

First, payment authentication information is stored in the mobile communication terminal.

In this case, the credit inquiry terminal 210 may be configured to receive payment authentication information transmitted in a contactless or contact manner from the mobile communication terminal.

Such payment authentication information is preferably encrypted and transmitted, and transmission and reception may be performed using an optical signal or an RF signal.

Alternatively, the information may be obtained through an input device of the credit inquiry terminal 210.

For example, the owner or employee can be obtained by directly inputting the mobile terminal identification number and the authentication number from the offline store through the key input means of the credit inquiry terminal 210.

Payment information is generated based on the payment amount and payment authentication information.

Thereafter, the payment information obtained in step S110 is transmitted to the VAN server 230 (S130).

In this case, preferably, the credit inquiry terminal 210 and the VAN server 230 may be converted and transmitted in advance to have a specialized form in a designated format corresponding to the offline mobile payment method according to the present invention.

That is, the payment information obtained in step S110 may be converted into a pre-specified inquiry request text and transmitted to the VAN server 230.

This may be implemented, in particular, because there is a necessity of distinguishing between the credit check terminal 210 and the VAN server 230 in the case of performing a credit card payment according to the prior art and offline mobile payment according to the present invention. .

In addition, when the payment information is transmitted to the VAN server 230, the transmission type may be divided into two types according to the authentication number in the payment authentication information.

First, if the authentication number is, for example, a password specified in advance by a mobile carrier in response to the offline mobile payment method according to the present invention, payment information may be transmitted to the VAN server 230 at a time.

However, if the authentication number is an individual authentication number generated by the mobile service provider server 270 and transmitted to the mobile communication terminal in response to individual mobile payment of the mobile communication terminal, the payment including the mobile terminal identification number and the transaction amount first Transmits the information to the VAN server 230, and then obtains the individual authentication number received from the user's mobile terminal in response to the payment information and transmits the individual authentication number to the VAN server 230 again. You can also take

That is, in this case, the payment information is transmitted to the VAN server 230 twice by (1) transmission of the mobile terminal identification number and transaction amount, and (2) transmission of the individual authentication number.

Thereafter, the payment result is received from the VAN server 230 with respect to the payment information transmitted in step S130 (S150).

 The VAN server 230 receives the payment result through communication with the payment agency server 250 on the basis of the payment information transmitted in step S130 and transmits it to the credit inquiry terminal 210 again.

That is, step S150 is a step of receiving a payment result brokered through the VAN server 230.

In this case, the received payment result takes a pre-designated full text format between the VAN server 230 and the credit check terminal 210.

Therefore, the payment result can be converted into a form suitable for outputting in a slip form in the output device of the credit inquiry terminal 210 in advance.

Thereafter, in response to the payment result received in step S170, a user confirmation is obtained (S170).

The confirmation of the user is performed, for example, by outputting a slip in response to the payment result of step S150 and receiving the user's signature on it.

For example, such a user's signature may be a case of signing a physical slip, but it may also be configured to receive it electronically, for example, in the case of a credit inquiry terminal 210 configured to electronically obtain a user's signature with a sign pad or the like.

Through the confirmation of the user, it is possible to minimize the possibility of disputes due to illegal use or disclaimer in the offline mobile payment method according to the present invention.

4 is an exemplary flowchart of an offline mobile payment method according to the present invention, and shows an exemplary flowchart of offline mobile payment within a VAN server.

As shown in the figure, first, payment information corresponding to the mobile communication terminal of the user is obtained from the credit inquiry terminal 210 (S210).

As described with reference to FIG. 3, the payment information may include, for example, a payment amount and payment authentication information thereof.

In addition, the description of the payment authentication information is the same as in the description with reference to FIG.

Thereafter, the payment information obtained in step S210 is transmitted to the payment agency server 250 to request payment verification (S230).

In this case, preferably, the VAN server 230 and the payment agency server 250 may convert and transmit a predetermined form in advance in correspondence with the offline mobile payment method according to the present invention.

That is, the payment information acquired in step S210 may be converted into a preamble of the authentication request in a predetermined format, and the preamble authentication request may be transmitted to the payment agency server 250.

This may be implemented, in particular, because there is a need to distinguish between the VAN server 230 and the payment agency server 250 when performing online mobile payment according to the prior art and offline mobile payment according to the present invention.

In addition, when the payment information is transmitted to the payment agency server 250, the transmission type may be divided into two types according to the authentication number in the payment authentication information.

First, if the authentication number is, for example, a password specified in advance by the mobile carrier in response to the offline mobile payment method according to the present invention, the payment information may be transmitted to the payment agency server 250 at a time.

However, if the authentication number is an individual authentication number generated by the mobile service provider server 270 and transmitted to the mobile communication terminal in response to individual mobile payment of the mobile communication terminal, the payment including the mobile terminal identification number and the transaction amount first Transmits the information to the payment agency server 250, and then obtains an individual authentication number received from the user's mobile terminal in response to the payment information, and transmits the individual authentication number to the payment agency server 250 again. It may take the form.

That is, in this case, the payment information is transmitted to the payment agency server 250 twice in (1) transmission of the mobile terminal identification number and transaction amount, and (2) transmission of the individual authentication number.

Subsequently, in response to the payment verification request in step S230, a payment verification result is received from the payment agency server 250 (S250).

 The payment agency server 250 receives a result of payment authentication through communication with the mobile communication company server 270 on the basis of the payment authentication request transmitted in step S230, and transmits the result to the VAN server 230.

That is, step S250 is a step of receiving a result of payment authentication brokered through the payment agency server 250.

In this case, the result of the received payment authentication may have a predetermined professional format between the VAN server 230 and the payment agency server 250.

Thereafter, the result of the payment authentication received in step S250 is transmitted to the credit inquiry terminal 210 (270).

As described above, the result of the payment authentication received in step S250 may have a predetermined professional format between the VAN server 230 and the payment agency server 250. Therefore, preferably, the result of the payment authentication may be converted into a result transmission format predefined in the credit inquiry terminal 210 and the VAN server 230 in advance, and transmitted to the inquiry terminal 210.

5 is an exemplary flowchart of an offline mobile payment method according to the present invention, and shows an exemplary flowchart of offline mobile payment within the payment agency server 250.

First, payment information corresponding to the mobile communication terminal of the user is obtained from the VAN server 230 (S310).

As described with reference to FIG. 3, the payment information may include, for example, a payment amount and payment authentication information thereof.

In addition, the description of the payment authentication information is the same as in the description with reference to FIG.

Thereafter, a part or all of the payment information obtained in step S310 is transmitted to the mobile communication company server 270 to request payment (S330).

When transmitting some or all of the payment information to the mobile communication company server 270, the transmission form may be divided into two types according to the authentication number in the payment authentication information.

First, if the authentication number is, for example, a password designated by a mobile carrier in advance in response to the offline mobile payment method according to the present invention, all the payment information, that is, the identification number and password of the mobile communication terminal at once, the mobile carrier server ( 270).

However, if the authentication number is an individual authentication number generated in the mobile communication company server 270 and transmitted to the mobile communication terminal in response to the mobile payment individual case of the mobile communication terminal, only the mobile communication terminal identification number to the mobile communication server server 270. Can be sent to. In this case, it may be similar to the function of the conventional payment agency server 150.

Thereafter, the mobile communication company server 270 receives a result of the payment request in step S330 (S350).

Receiving the result of the payment request may include two steps, in particular, if the authentication number is an individual authentication number generated by the mobile carrier server 270 and transmitted to the mobile communication terminal in response to individual mobile payments of the mobile communication terminal. have.

First, an individual authentication number is received from the mobile communication company server 270.

After that, the individual authentication number is received from the VAN server 230.

Only when these two individual authentication numbers match, the payment agency server 250 may determine that the offline mobile payment according to the present invention was successfully performed.

The result of the payment request received in step S370 may have a pre-designated full text format between the mobile communication company server 270 and the payment agency server 250.

Thereafter, the result of the payment request received in step S350 is transmitted to the VAN server 230 (S370).

As described above, the result of the payment request received in step S370 may have a predetermined professional format between the mobile communication company server 270 and the payment agency server 250.

Therefore, preferably, the result of the payment request may be converted in advance into the authentication result text, which is a predetermined result transmission format in the VAN server 230 and the payment agency server 250, and transmitted to the inquiry VAN server 230.

When using the offline mobile payment method according to the present invention it is possible to apply the mobile payment method used in the conventional online payment offline.

The present invention also provides a computer-readable recording medium having recorded thereon a program for realizing each step of the offline mobile payment method according to the present invention described above.

A computer readable recording medium refers to any kind of recording device that stores data, that is, data in code or program form, so that it can be read by a computer system. Such computer-readable recording media include, for example, memories such as ROM and RAM, storage media such as CD-ROM and DVD-ROM, magnetic storage media such as magnetic tape and floppy disk, optical data storage devices, and the like. It also includes a case where it is implemented in the form of transmission via. The computer readable recording medium can also be distributed over network coupled computer systems so that the computer readable data is stored and executed in a distributed fashion.

However, a detailed description of such a computer-readable recording medium will be omitted since it overlaps with the offline mobile payment method according to the present invention described with reference to FIGS. 2 to 5.

Although the configuration of the present invention has been described in detail, these are merely illustrative of the present invention, and various modifications may be made by those skilled in the art without departing from the essential characteristics of the present invention. This will be possible.

Therefore, the embodiments disclosed herein are not intended to limit the present invention but to describe the present invention, and the spirit and scope of the present invention are not limited by these embodiments. It is intended that the scope of the invention be interpreted by the following claims, and that all descriptions within the scope equivalent thereto will be construed as being included in the scope of the present invention.

As described above, according to the present invention improves the problem of the mobile payment method used in the conventional online payment to perform authentication using a credit inquiry terminal and secure the customer's signature on the physical slip or electronic slip by using illegal or denial of use Disputes such as can be prevented and can be applied offline.

Claims (21)

In the credit inquiry terminal of the mobile payment system including a credit inquiry terminal for receiving a mobile payment input, a VAN server for mediating the mobile payment, a payment agency server for the mobile payment and a mobile carrier server for performing the mobile payment As an offline mobile payment method for, (a) obtaining payment information corresponding to the user's mobile terminal; (b) transmitting the payment information to the VAN server; (c) receiving a payment result for the payment information from the VAN server; (d) acquiring a confirmation of the user in response to the payment result Offline mobile payment method that includes. According to claim 1, wherein step (a) is, (a-1) acquiring a payment amount of the user; (a-2) obtaining payment authentication information including an identification number of the mobile communication terminal or an authentication number corresponding to the mobile communication terminal with respect to the mobile payment; (a-2) generating the payment information based on the payment amount and the payment authentication information; Offline mobile payment method that includes. The method of claim 2, wherein step (a-2) comprises: (a-3) receiving the payment authentication information transmitted from the mobile communication terminal in a contactless or contact manner Offline mobile payment method that includes. The method of claim 2, wherein step (a-2) comprises: (a-4) receiving the payment authentication information input through the input device of the credit inquiry terminal; Offline mobile payment method that includes. The method of claim 2, The authentication number is an offline mobile payment method that is a predetermined password corresponding to the mobile payment of the mobile communication terminal. The method of claim 2, The authentication number is an individual authentication number transmitted from the mobile communication company server to the mobile communication terminal in response to an individual mobile payment of the mobile communication terminal, Step (b) is, (b-1) transmitting the transaction amount and the identification number of the mobile communication terminal to the VAN server; (b-2) acquiring the individual authentication number corresponding to the transaction amount received from the mobile communication terminal and the identification number of the mobile communication terminal; (b-3) transmitting the individual authentication number to the VAN server Offline mobile payment method that includes. The method of claim 1, wherein step (b) (b-4) converting the payment information into a full text request request in a predetermined format; (b-5) transmitting the full text of the inquiry request to the VAN server; Offline mobile payment method that includes. The method of claim 1, wherein step (c) comprises: (c-1) converting the payment result into a predetermined document output format Offline mobile payment method that includes. The method of claim 1, wherein step (d) (d-1) electronically acquiring the signature of the user in response to the payment result Offline mobile payment method that includes. In the VAN server of the mobile payment system including a credit inquiry terminal for receiving a mobile payment input, a VAN server for mediating the mobile payment, a payment agency server for the mobile payment and a mobile carrier server for performing the mobile payment As a mobile payment method, (a) obtaining payment information corresponding to the mobile communication terminal of the user from the credit inquiry terminal; (b) requesting payment verification by transmitting the payment information to the payment agency server; (c) receiving a result of the payment verification from the payment agency server; (d) transmitting a result of the payment verification to the credit inquiry terminal; Offline mobile payment method that includes. The method of claim 10, wherein step (a) comprises (a-1) acquiring the payment information including the payment amount of the user and an identification number of the mobile communication terminal or an authentication number corresponding to the mobile communication terminal for the mobile payment; Offline mobile payment method that includes. The method of claim 11, The authentication number is an offline mobile payment method that is a predetermined password corresponding to the mobile payment of the mobile communication terminal. The method of claim 11, The authentication number is an individual authentication number transmitted from the mobile communication company server to the mobile communication terminal in response to an individual mobile payment of the mobile communication terminal, Step (b) is, (b-1) transmitting the transaction amount and the identification number of the mobile communication terminal to the payment agency server; (b-2) acquiring the individual authentication number corresponding to the transaction amount received from the mobile communication terminal and the identification number of the mobile communication terminal; (b-3) transmitting the individual authentication number to the payment agency server; Offline mobile payment method that includes. The method of claim 10, wherein step (b) comprises: (b-4) converting the payment information into a pre-designated authentication request text; (b-5) transmitting the full text of the authentication request to the payment agency server; Offline mobile payment method that includes. The method of claim 10, wherein step (d) is (d-1) converting the result of the payment verification into a predetermined result transmission format to the credit inquiry terminal and transmitting the result; Offline mobile payment method that includes. In the payment agency server of the mobile payment system including a credit inquiry terminal for receiving a mobile payment input, a VAN server for mediating the mobile payment, a payment agency server for the mobile payment and a mobile carrier server for performing the mobile payment. As your mobile payment method, (a) obtaining payment information corresponding to a user's mobile terminal from the VAN server; (b) requesting a payment by transmitting part or all of the payment information to the mobile communication company server; (c) receiving a result of the payment request from the mobile communication company server; (d) transmitting a result of the payment request to the VAN server; Offline mobile payment method that includes. The method of claim 16, wherein step (a) is (a-1) acquiring the payment information including the payment amount of the user and an identification number of the mobile communication terminal or an authentication number corresponding to the mobile communication terminal for the mobile payment; Offline mobile payment method that includes. The method of claim 17, The authentication number is an offline mobile payment method that is a predetermined password corresponding to the mobile payment of the mobile communication terminal. The method of claim 17, The authentication number is an individual authentication number transmitted from the mobile communication company server to the mobile communication terminal in response to an individual mobile payment of the mobile communication terminal, Step (c) is, (c-1) receiving the individual authentication number from the mobile communication company server; (c-2) receiving the individual authentication number from the VAN server Offline mobile payment method that includes. The method of claim 17, wherein step (d) (d-1) converting the result of the payment request into a full text of the authentication result in a predetermined format; (d-2) transmitting the full text of the authentication result to the VAN server Offline mobile payment method that includes. A computer-readable recording medium storing a program for realizing each step of the offline mobile payment method according to any one of claims 1 to 20.

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