KR20090021207A - System and method for moving affiliated store payment process using temporary card number - Google Patents

Abstract

A system and a method for moving an affiliated store payment process using a temporary card number and recording medium therefor are provided to draw the payment amount from the account of customer corresponding to the account information connected with the temporary account number. A method for moving an affiliated store payment process using a temporary card number includes the step for storing the movement member store information and the settlement mobile phone information into the movement member store DB; the step for receiving the account information from the information receiving unit by inputting the account information corresponding to the client cellular phone with the account of customer; the step for producing the temporary account number connected with the account information in the temporary account number generation unit; the step for transmitting the temporary account number information to the client cellular phone in the information transmission unit; the step for receiving the settlement amount information and temporary account number and settlement mobile phone information in the payment information receiving unit; the step for withdrawing the payment amount from the account of customer corresponding to the account information connected with the temporary account number and transferring to the receipt account.

Description

System and Method for Moving Affiliated Store Payment Process using Temporary Card Number}

1 is a diagram illustrating an information registration system for mobile payment processing using a wireless terminal according to an embodiment of the present invention.

2 is a diagram illustrating a process of registering mobile affiliate store registration information in a face-to-face manner according to an embodiment of the present invention.

3 is a diagram illustrating an information registration system for mobile payment processing using a wireless terminal according to another embodiment of the present invention.

4 is a diagram illustrating a process of registering mobile affiliate store registration information in a non-face-to-face manner for mobile payment processing using a wireless terminal according to one embodiment of the present invention.

5 is a diagram showing the configuration of a mobile payment system using a wireless terminal according to an embodiment of the present invention.

6 is a diagram illustrating a temporary card number request process for mobile payment processing using a wireless terminal according to an embodiment of the present invention.

7 is a diagram illustrating a temporary card number request process for mobile payment processing using a wireless terminal according to another embodiment of the present invention.

8 is a diagram illustrating a customer approval process for mobile payment processing using a wireless terminal according to an embodiment of the present invention.

9 is a diagram illustrating a customer approval process for mobile payment processing using a wireless terminal according to another embodiment of the present invention.

10 is a diagram illustrating a process of generating a temporary card number and transmitting the temporary card number to a customer wireless terminal for mobile payment processing using the wireless terminal according to an embodiment of the present invention.

11A and 11B illustrate a payment approval process for a mobile payment process using a wireless terminal according to an embodiment of the present invention.

12 is a diagram showing the configuration of a mobile payment system using a wireless terminal according to another embodiment of the present invention.

13 is a diagram illustrating a temporary account number request process for mobile payment processing using a wireless terminal according to an embodiment of the present invention.

14 is a diagram illustrating a temporary account number request process for mobile payment processing using a wireless terminal according to another embodiment of the present invention.

15 is a diagram illustrating a customer approval process for mobile payment processing using a wireless terminal according to an embodiment of the present invention.

16 is a diagram illustrating a customer approval process for mobile payment settlement processing using a wireless terminal according to another embodiment of the present invention.

FIG. 17 is a diagram illustrating a process of generating a temporary account number and transmitting the temporary account number to a customer wireless terminal for mobile payment processing using a wireless terminal according to an embodiment of the present invention.

18A and 18B illustrate a payment approval process for mobile payment processing using a wireless terminal according to an 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: validation unit 125: information storage unit

130: mobile merchant D / B 135: terminal such as information

According to the present invention, if at least one employee mobile phone is registered as a mobile phone by a mobile affiliate store, the mobile terminal stores information stored in the mobile affiliated store D / B in association with the mobile merchant information, the mobile phone information and the payment account information. In the step of inputting the account information corresponding to the customer account in the transmission through the relay server, the step of receiving the account information at the information receiving step, and checking the validity of the customer account corresponding to the account information in the validation means; And when the validity is confirmed, generating a temporary account number associated with the account information by the temporary account number generating means, transmitting the temporary account number information by the information transmitting means to the customer mobile phone, and the payment mobile phone. Enters the payment amount information and the temporary account number through the relay server And receiving payment information, a temporary account number and payment mobile phone information at a payment information receiving means, and authenticating the validity of the payment mobile phone information in connection with the mobile affiliated store D / B at a payment processing means. Authenticating the valid temporary account number, and withdrawing the payment amount from the customer account corresponding to the account information associated with the temporary account number and transferring it to the deposit account. It is about.

Due to the rapid development of information and communication technology, electronic payments through online and offline merchants have become commonplace, but employees come to their homes to provide tangible (or intangible) goods (or services), such as proxy driving, courier service, and door-to-door sales. However, electronic payment settlement through mobile merchants, whose payment is handled by electronic payment settlement, has not been generalized.

Of course, the portable payment terminal has been spread for the electronic payment payment to the mobile merchant, but the portable payment terminal is relatively expensive, the maintenance cost is excessively excessive, the surrogate driver, courier to carry the portable payment terminal Articles, door-to-door sales staff, etc. still contain problems that are not activated because they are reluctant to carry the portable payment terminal.

An object of the present invention for solving the above problems, the mobile merchant D / B for storing the mobile merchant information and payment cell phone information and the deposit account information in association with the relay server by entering the account information corresponding to the customer account in the customer mobile phone When transmitting through, the information receiving means for receiving the account information, validation means for confirming the validity of the customer account corresponding to the account information, and if the validity is confirmed, generates a temporary account number associated with the account information The temporary account number generation means to, the information transmission means for transmitting the temporary account number information to the customer mobile phone, the payment mobile phone enters the payment amount information and the temporary account number and transmits through the relay server, the payment Payment information receiving means for receiving money information, temporary account number and the payment mobile phone information and the movement Verifying the validity of the payment mobile phone information in association with a merchant D / B, authenticating the received temporary account number, and withdrawing the payment amount from a customer account corresponding to the account information associated with the temporary account number The present invention provides a mobile merchant payment processing system using a temporary card number having a payment processing means for transferring to an account.

In the mobile merchant payment processing method using a temporary card number according to the present invention, when registering at least one or more employee mobile phones in the mobile merchant, the mobile phone information and payment account information by linking the mobile merchant information and payment account information in the information registration means; Storing the account information corresponding to the customer account in the mobile affiliated store D / B, transmitting the account information corresponding to the customer account through the relay server, and receiving the account information from the information receiving means; Confirming the validity of the customer account corresponding to the information, and if the validity is confirmed, generating a temporary account number associated with the account information in the temporary account number generating means, and transmitting the temporary account number from the information transmission means to the customer mobile phone. Transmitting the account number information, and the payment amount information in the payment mobile phone; When the temporary account number is inputted and transmitted through the relay server, the payment information receiving means receives the payment amount information, the temporary account number and the payment mobile phone information, and the payment processing means receives the mobile affiliated store D / B. Authenticating the validity of the payment mobile phone information in association, authenticating the validity of the received temporary account number, withdrawing the payment amount from a customer account corresponding to the account information associated with the temporary account number, and transferring it to the deposit account; Characterized in that comprises a.

The method may further include receiving and authenticating a password corresponding to the customer account from the customer mobile phone in the validity checking means.

The present invention includes a recording medium characterized by recording a program for realizing the mobile merchant payment processing method using the temporary card number described above.

Mobile merchant payment processing system using a temporary card number according to the present invention, mobile merchant D / B for storing mobile merchant information and payment mobile phone information and deposit account information in association with the account information corresponding to the customer account in the customer mobile phone Input and transmit via the relay server, the information receiving means for receiving the account information, validation means for confirming the validity of the customer account corresponding to the account information, and if the validity is confirmed, the temporary information associated with the account information Temporary account number generation means for generating an account number, information transmission means for transmitting the temporary account number information to the customer mobile phone, and input the payment amount information and the temporary account number in the payment mobile phone sent through the relay server The payment information receiving the payment information, the temporary account number and the payment mobile phone information The payment amount is authenticated from the customer account corresponding to the account information associated with the temporary means, authenticate the validity of the payment mobile phone information, the validity of the received temporary account number in association with the receiving means and the mobile merchant D / B It is characterized in that it comprises a payment settlement processing means for withdrawing money and transfer it to the deposit account.

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 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 are used to properly modify, integrate, or separate the terminology so that those skilled in the art can clearly understand the essential technical features of the present invention. However, the present invention is by no means limited thereto. That is, each means described above is a server (or terminal) provided on the system shown in the following embodiments, or is a predetermined functional configuration provided in at least one or more servers (or terminals), or at least one or more servers. (Or a terminal) may be an association of at least two or more functional components. In addition, the server (or terminal) shown in the following embodiment is shown to include at least two or more functional components for achieving the technical features of the present invention for convenience, the functional component shown in the server (or terminal) Matched with the above-described means may be provided in two or more different servers (or terminals) according to the role and function of each functional component and the corresponding server (or terminal) operator (or operator), whereby the present invention is not limited No.

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 mobile payment processing using a wireless terminal according to an embodiment of the present invention.

In more detail, FIG. 1 includes at least one mobile merchant information, payment wireless terminal information, and deposit account information for a predetermined customer to process a mobile payment using the wireless terminal to an information registration system through a predetermined information registration interface. When the mobile affiliate store registration information is provided, the mobile affiliate store D / B 130 performs a predetermined process by linking the mobile affiliate store information, the payment wireless terminal information, and the deposit account information included in the provided mobile affiliate store registration information in the information registration system. A system configuration for storing in the present invention, and a person having ordinary knowledge in the technical field to which the present invention pertains, the information registration system configuration for mobile payment processing using a wireless terminal by referring to and / or modifying the drawing Various implementations may be inferred, but the present invention is directed to all Include city method, and shall not be limited to the exemplary method shown in the figure 1.

Hereinafter, at least one means and / or function for storing, in the mobile affiliated store D / B 130, mobile affiliated store registration information provided from the customer through a predetermined information registration interface on the information registration system shown in FIG. 1. The component corresponding to the 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 mobile payment processing using the wireless terminal includes an information registration terminal including an employee terminal provided in at least one mobile affiliated recruitment agency point. 135, and the information registration terminal 135 is connected to the communication channel and the information registration server 100 provided on the information registration system through a predetermined communication network.

According to one embodiment of the invention, the customer visits the mobile merchant recruitment agency branch for the mobile payment processing using the wireless terminal, and through the window (or through the staff provided in the mobile merchant recruitment agency branch) ) Prepare a predetermined application (e.g., a document with a form for filling in at least one information item for mobile payment processing using a wireless terminal) for a mobile payment processing using a wireless terminal, Upon submission to the employee, the employee inputs (or selects) the information entered in the application through a predetermined employee terminal, and the employee terminal transmits the input (or selected) information on the information registration system through the communication network. It is preferable to transmit to the information registration server 100 provided in.

In the information registration system as described above, the application prepared by the customer, the employee terminal used by the employee, and the communication network connecting the employee terminal and the information registration server 100 are mobile payments by the customer using the wireless terminal. It performs a function of an information registration interface for registering mobile merchant registration information for payment processing.

The mobile affiliated store D / B 130 provided on the information registration system according to the present invention includes the mobile affiliated store information and payment wireless terminal information and the payment included in the mobile affiliated store registration information provided from the information registration terminal 135. It is characterized in that the account information is stored in a predetermined mobile affiliated store D / B (130) by linking processing, the mobile affiliated store information and payment wireless terminal information and payment account information stored in the mobile affiliated store D / B (130) at least Mobile merchant registration information including one or more is used for mobile payment processing using the wireless terminal.

The mobile merchant information sells (or provides) tangible goods or intangible goods (or services) to a predetermined customer, and the tangible goods or intangible goods (or services) through a mobile payment system using the wireless terminal. Merchant information (for example, merchant name, business registration number, representative name, telephone number, address, etc.) requesting payment for the payment is characterized in that it is made.

According to the exemplary embodiment of the present invention, the affiliated store corresponding to the mobile affiliated store information may include at least one of a surrogate driving company, a door-to-door sales company, a courier company, and a learning paper sales company.

The payment wireless terminal information includes wireless terminal information (eg, wireless terminal number) of at least one mobile merchant employee selling (or providing) tangible goods or intangible goods (or services) to the customer. It features.

According to the implementation method of the present invention, the payment wireless terminal information to the wireless terminal information of the surrogate driver employed in the surrogate driving company, or the wireless terminal information of the visiting sales staff employed in the door-to-door sales company, or the courier company It is preferable to include at least one or more of the wireless terminal information of the hired courier, or the wireless terminal information of the learning paper sales staff employed in the learning paper sales company.

The deposit account information may include financial account information (eg, an account number, a bank code, etc.) in which a payment amount for a type of product or an intangible product (or service) sold (or provided) to the customer by the mobile affiliate store is deposited. It is characterized by comprising.

According to the method of the present invention, the deposit account information is preferably made to include the financial account information opened in the name of the mobile merchant.

According to another exemplary embodiment of the present invention, the deposit account information may include financial account information in the name of a mobile merchant employee corresponding to at least one or more payment wireless terminal information, whereby the present invention is not limited thereto.

The information registration server 100 provided on the information registration system according to the present invention is a generic term for the components of the information registration system side connected to the information registration terminal 135 through a predetermined communication network, and includes at least one server ( Or an apparatus) and / or at least one or more programs recorded on a recording medium provided in a predetermined server (or apparatus), and the present invention is not limited thereto.

According to the embodiment of the present invention, the information registration server 100 is characterized in that it comprises an interface unit 105 for connecting and managing a predetermined communication channel with the information registration terminal 135 through the communication network. .

According to an embodiment of the present invention, when the information registration terminal 135 is an employee terminal connected to a predetermined communication network, the interface unit 105 is based on the protocol stack defined in the communication network. It is preferable to provide a communication interface for connecting at least one communication channel and transmitting and receiving at least one information (or data) using a communication protocol defined in an information registration related program provided in the employee terminal.

Referring to FIG. 1, the information registration server 100 connects a communication channel with the information registration server 100 through a predetermined information registration terminal 135 through the interface unit 105, and then the interface unit ( In connection with 105, the information registration terminal 135 generates (or extracts) a predetermined user interface for inputting (or selecting) and transmitting predetermined mobile affiliated store registration information to the information registration terminal 135. An information receiving unit for receiving predetermined mobile affiliated store registration information that is input (or selected) and transmitted from the information registration terminal 135 through the user interface in cooperation with the interface providing unit 110 and the interface unit 105 ( 115), a validity confirming unit 120 confirming validity of the received mobile affiliated store registration information, and the mobile affiliated store included in the mobile affiliated store registration information having been validated. Processes the beam and billing the wireless terminal information and payment account information linked to is characterized in that formed in an information storage unit 125 to store a given mobile merchants D / B (130).

The interface providing unit 110 is a predetermined information registration terminal 135 is connected to the information registration server 100 and the communication channel through the interface unit 105, the information registration terminal 135 is provided Corresponding to the functional configuration, a predetermined user interface capable of inputting (or selecting) the mobile affiliate store registration information and transmitting it to the information registration server 100 through the communication network, and / or a predetermined database (not shown) And extract the generated (or extracted) user interface in cooperation with the interface unit 105 to the information registration terminal 135 through the communication network.

According to another exemplary embodiment of the present invention, at least one user interface for inputting (or selecting) the mobile affiliate store registration information to the information registration terminal 135 and transmitting the information to the information registration server 100 through the communication network is provided. When a predetermined information registration program is provided, the interface providing unit 110 for providing the user interface to the information registration terminal 135 may be omitted, and the present invention is not limited thereto.

Thereafter, the information registration terminal 135 inputs (or selects) mobile affiliate store registration information including at least one of the mobile affiliate store information, payment wireless terminal information, and deposit account information based on the user interface, and inputs the input ( Or the selected mobile affiliate store registration information is transmitted to the information registration server 100 through the communication network.

According to an embodiment of the present invention, when the information registration terminal 135 is an employee terminal connected to a predetermined communication network, the interface providing unit 110 may provide a predetermined information registration related program provided in the employee terminal. It is preferable to generate (or extract) a user interface and provide the generated (or extracted) user interface to the employee terminal through the interface unit 105.

The information receiving unit 115 inputs (or selects) mobile affiliate store registration information including at least one of mobile affiliate store information, payment wireless terminal information, and deposit account information through the user interface at the information registration terminal 135. When transmitting through a communication network, it is characterized in that for receiving the mobile affiliated store registration information in conjunction with the interface unit 105, and provides the received mobile affiliated store registration information to the validity check unit 120.

The validity confirming unit 120 checks whether the mobile affiliate store registration information received from the information registration terminal 135 satisfies the validity for the mobile payment processing using the wireless terminal.

Here, the validity check of the mobile affiliated store registration information, confirming that the business registration number of the mobile affiliated store information included in the mobile affiliated store registration information is valid (for example, in association with a predetermined tax office server (not shown) to authenticate the business registration number It is preferred to include at least one.

When the validity of the mobile affiliate store registration information is confirmed, the information storage unit 125 processes the mobile affiliate store information, the payment wireless terminal information, and the deposit account information included in the mobile affiliate store registration information to process the mobile affiliate store D / B. And the mobile affiliated store D / B 130 is provided in the information registration server 100 or on the network associated with the information registration server 100. The information storage unit 125 preferably processes the mobile affiliate store information, payment wireless terminal information, and the deposit account information included in the received mobile affiliate store registration information and stores the mobile affiliate store D / B 130 in the mobile affiliate store D / B 130.

2 is a diagram illustrating a process of registering mobile affiliate store registration information in a face-to-face manner according to an embodiment of the present invention.

In more detail, in FIG. 2, the employee terminal shown in FIG. 1 is connected to the information registration server 100 to connect a communication channel for information registration according to the present invention, and then through the communication channel. When the mobile affiliate store registration information including the mobile affiliate store information, the payment wireless terminal information, and the deposit account information is transmitted to the mobile affiliate store information, the mobile affiliate store information included in the received mobile affiliate store registration information is received by the information registration server 100. The present invention relates to an implementation method of linking and processing payment terminal information and payment account information in a predetermined mobile affiliated store D / B 130, and a person having ordinary knowledge in the technical field to which the present invention belongs, FIG. By referring to and / or modified to infer various implementation methods for registering the mobile merchant registration information from the employee terminal to the information registration server 100. Would, in the present invention includes all embodiments in which the inference method, not limited to the exemplary method shown in the figure 2.

Hereinafter, in FIG. 2, the employee terminal shown in FIG. 1 is referred to as a “terminal” for convenience, and the information registration server 100 shown in FIG. 1 is referred to as a “server” for convenience, and the information is registered in the employee terminal. The mobile affiliate store information, the payment wireless terminal information, and the deposit account information transmitted to the server 100 are referred to as "mobile affiliate store registration information" for convenience.

Referring to FIG. 2, an employee terminal shown in FIG. 1 connects to a server through a predetermined communication network, connects a predetermined communication channel for registering the mobile affiliated store registration information, and uses a wireless terminal to make a mobile payment. When requesting to register the mobile affiliate store registration information for processing (200), the server generates (or extracts) a predetermined information registration interface for registering the mobile affiliate store registration information (205), and through the communication channel The generated (or extracted) information registration interface is transmitted to the terminal and output (210).

According to an embodiment of the present invention, the information registration interface includes a user interface for inputting (or selecting) mobile affiliate store registration information including at least one of the mobile affiliate store information, payment wireless terminal information, and deposit account information in the terminal. It is preferable to make it.

Thereafter, the terminal inputs (or selects) mobile affiliate registration information including at least one mobile affiliate information, payment wireless terminal information, and deposit account information through the information registration interface (215).

The mobile merchant information sells (or provides) tangible goods or intangible goods (or services) to a predetermined customer, and the tangible goods or intangible goods (or services) through a mobile payment system using the wireless terminal. Merchant information (for example, merchant name, business registration number, representative name, telephone number, address, etc.) requesting payment for the payment is characterized in that it is made.

According to the exemplary embodiment of the present invention, the affiliated store corresponding to the mobile affiliated store information may include at least one of a surrogate driving company, a door-to-door sales company, a courier company, and a learning paper sales company.

The payment wireless terminal information includes wireless terminal information (eg, wireless terminal number) of at least one mobile merchant employee selling (or providing) tangible goods or intangible goods (or services) to the customer. It features.

According to the implementation method of the present invention, the payment wireless terminal information to the wireless terminal information of the surrogate driver employed in the surrogate driving company, or the wireless terminal information of the visiting sales staff employed in the door-to-door sales company, or the courier company It is preferable to include at least one or more of the wireless terminal information of the hired courier, or the wireless terminal information of the learning paper sales staff employed in the learning paper sales company.

The deposit account information may include financial account information (eg, an account number, a bank code, etc.) in which a payment amount for a type of product or an intangible product (or service) sold (or provided) to the customer by the mobile affiliate store is deposited. It is characterized by comprising.

According to the method of the present invention, the deposit account information is preferably made to include the financial account information opened in the name of the mobile merchant.

According to another exemplary embodiment of the present invention, the deposit account information may include financial account information in the name of a mobile merchant employee corresponding to at least one or more payment wireless terminal information, whereby the present invention is not limited thereto.

If the mobile station registration information including the mobile affiliate store information, payment wireless terminal information and deposit account information is input (or selected) through the information registration interface (220), the terminal inputs the mobile network through the communication network. The mobile affiliate store registration information including the selected mobile affiliate store information, the payment wireless terminal information, and the deposit account information is transmitted to the server (225).

Thereafter, the server receives and reads the mobile affiliate store information, the payment wireless terminal information, and the deposit account information through the communication network to confirm the validity of the mobile affiliate store registration information (230).

Here, the validity check of the mobile affiliated store registration information, confirming that the business registration number of the mobile affiliated store information included in the mobile affiliated store registration information is valid (for example, in association with a predetermined tax office server (not shown) to authenticate the business registration number It is preferred to include at least one.

If the validity of the mobile affiliated store registration information is not authenticated (235), the server generates predetermined information registration error information and transmits it to the terminal (240), and performs an information registration procedure corresponding to the mobile affiliated store registration information. Do not perform.

On the other hand, if the validity of the mobile affiliated store registration information is authenticated (235), the server performs an information registration procedure corresponding to the mobile affiliated store registration information, thereby linking the mobile affiliated store information with the payment wireless terminal information and the payment account information. In operation 245, the mobile station stores the mobile affiliated store D / B 130 in a predetermined mobile affiliate store D / B 130.

Thereafter, the server generates predetermined information registration history information and transmits it to the terminal (250), thereby completing the procedure of registering the mobile affiliated store registration information transmitted from the terminal.

3 is a diagram illustrating an information registration system for mobile payment processing using a wireless terminal according to another embodiment of the present invention.

In more detail, FIG. 3 includes at least one mobile merchant information, payment wireless terminal information, and deposit account information for a predetermined customer to process a mobile payment using the wireless terminal with an information registration system through a predetermined information registration interface. When the mobile affiliate store registration information is provided, the mobile affiliate store information, the payment wireless terminal information and the payment account information included in the mobile affiliate store registration information provided by the information registration system are linked to a predetermined mobile affiliate store D / B 330. The present invention relates to a system configuration for storing the information in the present invention, and those skilled in the art to which the present invention pertains can refer to and / or modify this drawing 3 to configure an information registration system for mobile payment processing using a wireless terminal. Various implementations may be inferred, but the present invention is directed to all Include city method, and shall not be limited to the exemplary method shown in the figure 3.

Hereinafter, at least one or more means and / or functions for storing, in the mobile affiliated store D / B 330, mobile affiliated store registration information provided from the customer through a predetermined information registration interface on the information registration system shown in FIG. 3. Components corresponding to the configuration are referred to as " information registration server 300 " for convenience.

Referring to FIG. 3 according to an embodiment of the present invention, an information registration system for mobile payment processing using the wireless terminal may include a client terminal including at least one wired terminal and / or a wireless terminal used by a customer. And at least one information registration terminal 335, wherein the information registration terminal 335 communicates with the information registration server 300 provided on the information registration system through a predetermined network means. The channel is connected.

According to an embodiment of the present invention, the customer accesses the information registration server 300 through at least one or more client terminals of a wired terminal connected to a predetermined wired communication network and / or a wireless terminal connected to a predetermined wireless communication network, When the mobile affiliate store registration information for mobile payment processing using the wireless terminal is input (or selected) through at least one user interface provided by the information registration server 300, the client terminal receives a predetermined network means. It is preferable to transmit to the information registration server 300 provided on the information registration system.

Here, the wired terminal connected to the wired communication network is a generic term for all terminal devices connected to a transmission control protocol / Internet protocol (TCP / IP) based communication network and includes a desktop computer and / or a laptop connected to the TCP / IP based communication network. (Notebook) or a home appliance terminal (eg, Set-Top-Box) connected to the TCP / IP based communication network, or a kiosk (KIOSK) connected to the TCP / IP based communication network, etc. It is preferable.

In addition, the wireless terminal connected to the wireless communication network is all terminal devices connected to a code division multiple access (CDMA) based mobile communication network, and / or all terminal devices connected to the IEEE 802.16x-based portable Internet, and / or Motorola's DataTAC scheme And / or a generic term for all terminal devices connected to Erricson's Mobitex-type wireless data communication network, comprising: a Personal Communication System (PCS) and / or a Global System for Mobile communications (GSM) terminal connected to the CDMA-based mobile communication network; And / or Personal Digital Cellular (PDC) and / or Personal Handyphone System (PHS) terminals and / or Personal Digital Assistants (PDAs) and / or Smart Phones and / or Telematics Telematics), or a portable Internet terminal connected to the IEEE 802.16x based portable Internet, or the DataTAC / Mobitex based wireless day It is preferable to include at least one or more wireless data communication terminal connected to the communication network.

In addition, the network means for connecting the client terminal and the information registration server 300 is a CDMA based mobile communication network and / or IEEE 802.16x based portable Internet and / or DataTAC / according to the type of wireless communication network connected to the client terminal Mobitex-based wireless data communication network, and / or comprises a wireless communication network of any kind proposed in the future including a predetermined wireless interval.

In addition, the client terminal outputs at least one or more user interfaces provided by the information registration server 300, and inputs and / or selects at least one or more information through the user interface to the information registration server 300. It is preferable that a function configuration (for example, a browser program and a communication function, or a predetermined communication program and communication function to communicate with the information registration server 300, etc.) is provided.

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. .

In the information registration system as described above, a client terminal including at least one or more wired terminal and / or wireless terminal used by the customer, at least one wired communication network connecting the client terminal and the information registration server 300 and And / or the wireless communication network performs a function of an information registration interface for the customer to register mobile affiliate store registration information for mobile payment processing using the wireless terminal.

The mobile affiliated store D / B 330 provided on the information registration system according to the present invention includes the mobile affiliated store information and payment wireless terminal information and the payment included in the mobile affiliated store registration information provided from the information registration terminal 335. It is characterized in that the account information is stored in a predetermined mobile affiliated store D / B (330) by linking processing, the mobile affiliated store information, payment wireless terminal information and payment account information stored in the mobile affiliated store D / B (330) at least Mobile merchant registration information including one or more is used for mobile payment processing using the wireless terminal.

The mobile merchant information sells (or provides) tangible goods or intangible goods (or services) to a predetermined customer, and the tangible goods or intangible goods (or services) through a mobile payment system using the wireless terminal. Merchant information (for example, merchant name, business registration number, representative name, telephone number, address, etc.) requesting payment for the payment is characterized in that it is made.

According to the exemplary embodiment of the present invention, the affiliated store corresponding to the mobile affiliated store information may include at least one of a surrogate driving company, a door-to-door sales company, a courier company, and a learning paper sales company.

The payment wireless terminal information includes wireless terminal information (eg, wireless terminal number) of at least one mobile merchant employee selling (or providing) tangible goods or intangible goods (or services) to the customer. It features.

According to the implementation method of the present invention, the payment wireless terminal information to the wireless terminal information of the surrogate driver employed in the surrogate driving company, or the wireless terminal information of the visiting sales staff employed in the door-to-door sales company, or the courier company It is preferable to include at least one or more of the wireless terminal information of the hired courier, or the wireless terminal information of the learning paper sales staff employed in the learning paper sales company.

The deposit account information may include financial account information (eg, an account number, a bank code, etc.) in which a payment amount for a type of product or an intangible product (or service) sold (or provided) to the customer by the mobile affiliate store is deposited. It is characterized by comprising.

According to the method of the present invention, the deposit account information is preferably made to include the financial account information opened in the name of the mobile merchant.

According to another exemplary embodiment of the present invention, the deposit account information may include financial account information in the name of a mobile merchant employee corresponding to at least one or more payment wireless terminal information, whereby the present invention is not limited thereto.

The information registration server 300 provided on the information registration system according to the present invention is a generic term for the components of the information registration system side connected to the information registration terminal 335 through a predetermined network means, and includes at least one server. (Or a device), and / or may be implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), by which the present invention is not limited.

According to the embodiment of the present invention, the information registration server 300 is characterized in that it comprises an interface unit 305 for connecting and managing a predetermined communication channel with the information registration terminal 335 through the network means. do.

According to an embodiment of the present invention, when the information registration terminal 335 is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface unit 305 is defined in the wired communication network and / or a wireless communication network. Connecting a predetermined communication channel with the client terminal based on the established protocol stack, and providing a communication interface for transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal. It is preferable.

For example, when the client terminal is provided with a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit 305 connects a communication channel with the client terminal based on the TCP / IP protocol. By using the HTPP protocol defined in the browser program, a communication interface for transmitting and receiving a web page (eg, a Hyper-Text Markup Language (HTML) compatible web page) and / or information is provided.

Alternatively, when the client terminal is provided with a communication program provided by the information registration server 300 (eg, an internet banking program), the interface unit 305 communicates with the client terminal based on the TCP / IP protocol. It connects a channel and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the information registration terminal 335 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface unit 305 uses a protocol stack defined in the wireless communication network. It is preferable to provide a communication interface for connecting at least one communication channel with the client terminal and transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal.

For example, when a browser program corresponding to a WAP (Wireless Application Protocol) and / or a Mobile Explorer (ME) protocol is provided in the client terminal, the interface unit 305 communicates with the client terminal based on the CDMA protocol. And a communication interface for transmitting and receiving web pages (e.g., WML (Wireless Markup Language) compatible web pages, or HTML compatible web pages) and / or information using the WAP / ME protocol defined in the browser program. .

Alternatively, when the client terminal is provided with a communication program (eg, an IC chip-based banking program) provided by the information registration server 300, the interface unit 305 is connected with the client terminal based on the CDMA protocol. It connects a communication channel and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

Referring to FIG. 3, the information registration server 300 connects a communication channel with the information registration server 300 through a predetermined information registration terminal 335 through the interface unit 305, and then the interface unit ( In operation 305, the information registration terminal 335 generates (or extracts) a predetermined user interface for inputting (or selecting) and transmitting predetermined mobile affiliated store registration information to the information registration terminal 335. An information receiving unit for receiving predetermined mobile affiliated store registration information that is input (or selected) and transmitted from the information providing terminal 335 through the user interface in cooperation with the interface providing unit 310 and the interface unit 305 ( 315) and the mobile affiliate store information, the payment wireless terminal information, and the deposit account information included in the received mobile affiliate store registration information are linked to and stored in a predetermined mobile affiliate store D / B 330. It is characterized by comprising an information storage unit 325 to.

The interface providing unit 310 is provided in the information registration terminal 335 after a predetermined information registration terminal 335 connects the communication channel with the information registration server 300 through the interface unit 305. Corresponding to the functional configuration, a predetermined user interface capable of inputting (or selecting) the mobile affiliate store registration information and transmitting it to the information registration server 300 through the network means, and / or a predetermined database (not shown) And extract the generated (or extracted) user interface in cooperation with the interface unit 305 to the information registration terminal 335 through the network means.

Thereafter, the information registration terminal 335 inputs (or selects) mobile affiliate store registration information including at least one of the mobile affiliate store information, the payment wireless terminal information, and the deposit account information based on the user interface, and the input ( Or the selected mobile affiliate store registration information is transmitted to the information registration server 300 through the communication network.

When the information registration terminal 335 is a client terminal including a wired terminal and / or a wireless terminal connected to a predetermined wired communication network and / or a wireless communication network according to an embodiment of the present invention, the interface providing unit 310 Generates (or extracts) a predetermined user interface that can be provided to a browser program and / or a communication program provided in the client terminal, and generates the generated (or extracted) user interface through the interface unit 305. It is preferable to provide to the client terminal.

According to another exemplary embodiment of the present invention, when the information registration terminal 335 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface providing unit 310 is a browser program provided in the client terminal. And / or generate (or extract) a predetermined user interface that can be provided to a communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 305.

According to another exemplary embodiment of the present invention, at least one user interface for inputting (or selecting) the mobile affiliate store registration information to the information registration terminal 335 and transmitting the information to the information registration server 300 through the network means is provided. When a predetermined information registration program is provided, the interface providing unit 310 for providing the user interface to the information registration terminal 335 may be omitted, and the present invention is not limited thereto.

The information receiving unit 315 inputs (or selects) mobile affiliate store registration information including at least one of mobile affiliate store information, payment wireless terminal information, and deposit account information through the user interface at the information registration terminal 335. When transmitting through a network means, the mobile unit registration information is received in conjunction with the interface unit 305, and the received mobile affiliated store registration information is provided to the validity check unit 320.

The validity confirming unit 320 checks whether the mobile affiliated store registration information received from the information registration terminal 335 satisfies the validity for the mobile payment processing using the wireless terminal.

Here, the validity check of the mobile affiliated store registration information, confirming that the business registration number of the mobile affiliated store information included in the mobile affiliated store registration information is valid (for example, in association with a predetermined tax office server (not shown) to authenticate the business registration number It is preferred to include at least one.

When the validity of the mobile affiliate store registration information is confirmed, the information storage unit 325 processes the mobile affiliate store information, the payment wireless terminal information, and the deposit account information included in the mobile affiliate store registration information to process the mobile affiliate store D / B. And the mobile affiliated store D / B 330 is provided in the information registration server 300 or provided on the network associated with the information registration server 300. The information storage unit 325 preferably processes the mobile affiliate store information, the payment wireless terminal information, and the deposit account information included in the received mobile affiliate store registration information in the mobile affiliated store D / B 330.

4 is a diagram illustrating a process of registering mobile affiliate store registration information in a non-face-to-face manner for mobile payment processing using a wireless terminal according to an embodiment of the present invention.

In more detail, FIG. 4 shows a case where the information registration server 300 on the information registration system shown in FIG. 3 has a web server function to which a client terminal can be connected through a predetermined network means. After connecting to the information registration server 300 to connect the communication channel for information registration according to the present invention, the mobile registration information, payment wireless terminal information and payment account information to the information registration server 300 through the communication channel When the mobile affiliate store registration information including the transmission is transmitted, the mobile affiliate store information, the payment wireless terminal information and the payment account information included in the received mobile affiliate store registration information are processed by the information registration server 300 in a predetermined mobile affiliate store. As for the implementation method for storing in the D / B 330, those having ordinary skill in the art to which the present invention pertains. 4 may be inferred from various implementation methods for registering the mobile affiliate store registration information from the client terminal to the information registration server 300, but the present invention provides all the inferred implementation methods. It includes, and is not limited to the embodiment shown in FIG.

Hereinafter, in FIG. 4, the client terminal illustrated in FIG. 3 is referred to as a “terminal” for convenience, and the information registration server 300 illustrated in FIG. 3 is referred to as a “server” for convenience and the information is registered in the client terminal. The mobile affiliate store information, the payment wireless terminal information, and the deposit account information transmitted to the server 300 are referred to as "mobile affiliate store registration information" for convenience.

Referring to Figure 4, the client terminal shown in Figure 3 is a predetermined network means (e.g., when the client terminal is a wired terminal, a TCP / IP based wired communication network, when the client terminal is a wireless terminal, CDMA based mobile A predetermined communication channel for registering the mobile affiliated store registration information by accessing the server through a communication network, and / or an IEEE 802.16x based portable Internet, etc., and the mobile terminal for mobile payment processing using the wireless terminal. When requesting registration of affiliated store registration information (400), the server generates (or extracts) a web page corresponding to a predetermined information registration interface for registering the mobile affiliated store registration information (405), and generates the data through the communication channel. The web page is output to the terminal (or extracted) and output (410).

According to an embodiment of the present invention, the information registration interface includes a user interface for inputting (or selecting) mobile affiliate store registration information including at least one of the mobile affiliate store information, payment wireless terminal information, and deposit account information in the terminal. It is preferable to make it.

In addition, the web page transmission and / or output process is preferably performed at least one or more times according to the mobile merchant registration information registration procedure, whereby the present invention is not limited.

Thereafter, the terminal inputs (or selects) mobile affiliate registration information including at least one mobile affiliate information, payment wireless terminal information, and deposit account information through the information registration interface (415).

The mobile merchant information sells (or provides) tangible goods or intangible goods (or services) to a predetermined customer, and the tangible goods or intangible goods (or services) through a mobile payment system using the wireless terminal. Merchant information (for example, merchant name, business registration number, representative name, telephone number, address, etc.) requesting payment for the payment is characterized in that it is made.

According to the exemplary embodiment of the present invention, the affiliated store corresponding to the mobile affiliated store information may include at least one of a surrogate driving company, a door-to-door sales company, a courier company, and a learning paper sales company.

The payment wireless terminal information includes wireless terminal information (eg, wireless terminal number, etc.) of at least one mobile merchant employee selling (or providing) tangible goods or intangible goods (or services) to the customer. It is characterized by.

According to the implementation method of the present invention, the payment wireless terminal information to the wireless terminal information of the surrogate driver employed in the surrogate driving company, or the wireless terminal information of the visiting sales staff employed in the door-to-door sales company, or the courier company It is preferable to include at least one or more of the wireless terminal information of the hired courier, or the wireless terminal information of the learning paper sales staff employed in the learning paper sales company.

The deposit account information may include financial account information (eg, an account number, a bank code, etc.) in which a payment amount for a type of product or an intangible product (or service) sold (or provided) to the customer by the mobile affiliate store is deposited. It is characterized by comprising.

According to the method of the present invention, the deposit account information is preferably made to include the financial account information opened in the name of the mobile merchant.

According to another exemplary embodiment of the present invention, the deposit account information may include financial account information in the name of a mobile merchant employee corresponding to at least one or more payment wireless terminal information, whereby the present invention is not limited thereto.

If the terminal receives (or selects) mobile affiliate registration information including the mobile affiliate information, payment wireless terminal information, and deposit account information through the information registration interface (420), the terminal transmits the information through the communication channel. The input (or selected) mobile merchant information, payment wireless terminal information and the payment account information is transmitted to the server (425).

According to an embodiment of the present invention, transmitting the input (or selection) of mobile merchant information, payment wireless terminal information, and deposit account information to the server through the information registration interface is input (or selection). The method may further include transmitting the signed mobile affiliated store registration information to the server by digitally signing and / or encrypting it through a security module provided in the terminal.

Thereafter, the server receives and reads the mobile affiliate store information, the payment wireless terminal information, and the deposit account information through the communication channel to confirm the validity of the mobile affiliate store registration information (430).

According to an embodiment of the present invention, checking the validity of the mobile affiliated store registration information may include: when the mobile affiliated store registration information is electronically signed and / or encrypted through a security module provided in the terminal, the mobile affiliated store registration information. Decoding may be further included.

Here, the validity check of the mobile affiliated store registration information, confirming that the business registration number of the mobile affiliated store information included in the mobile affiliated store registration information is valid (for example, in association with a predetermined tax office server (not shown) to authenticate the business registration number It is preferred to include at least one.

If the validity of the mobile affiliated store registration information is not authenticated (435), the server generates a web page including predetermined information registration error information and transmits it to the terminal (440), corresponding to the mobile affiliated store registration information. Do not perform the information registration procedure.

On the other hand, if the validity of the mobile affiliated store registration information is authenticated (435), the server performs an information registration procedure corresponding to the mobile affiliated store registration information, thereby linking the mobile affiliated store information with the payment wireless terminal information and the payment account information. In operation 445, the mobile terminal stores the mobile affiliated store D / B 330 in a predetermined mobile affiliate store D / B 330.

Thereafter, the server generates a web page including predetermined information registration history information and transmits the generated web page to the terminal (450), thereby completing the procedure of registering the mobile affiliated store registration information transmitted from the terminal.

5 is a diagram showing the configuration of a mobile payment system using a wireless terminal according to an embodiment of the present invention.

In more detail, in FIG. 5, when a predetermined customer requests a predetermined temporary card number for the mobile payment processing from a predetermined card company server 500 through a predetermined customer wireless terminal 585, the card company server 500 ) Generates a predetermined temporary card number associated with the card information corresponding to the customer card corresponding to the request, and provides the temporary card number to the customer wireless terminal 585, and the temporary card number at the predetermined payment wireless terminal 590. And payment information is inputted and transmitted to the card company server 500 through a predetermined relay server 550, the card company server 500 processes payment of a predetermined payment amount through card information corresponding to the temporary card number. Regarding the configuration of a mobile payment system, a person having ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing 5 to use the wireless terminal. Various implementation methods for the configuration of the payment system may be inferred, but the present invention includes all the implementation methods inferred, and the technical features are not limited to the implementation method shown in FIG.

Referring to FIG. 5 according to an embodiment of the present invention, a mobile payment system using the wireless terminal includes a customer wireless terminal 585 possessed by a customer who has received a predetermined customer card from a predetermined card company, and the customer. It is located at a short distance from the wireless terminal 585 and through the information registration system shown in FIG. 1 or FIG. A terminal server 590, a relay server 550 to which the payment wireless terminal 590 is connected through a predetermined wireless communication network for the mobile payment, and a card company server 500 that issues the customer card to the customer. It is characterized by comprising.

However, although the relay server 550 and the card company server 500 are illustrated as being configured as separate servers in the embodiment illustrated in FIG. 5, the present invention is not limited thereto, and the relay server 550 is not limited thereto. ) And the card company server 500 may be composed of one server or may be configured of a plurality of separate servers for each functional configuration, and the present invention is not limited thereto.

The customer wireless terminal 585 is a wireless terminal possessed by a customer who has received a predetermined customer card having at least one payment means from a predetermined card company, and is a code division multiple access (CDMA) / wide-CDMA (WCDMA). At least one wireless terminal (eg, a Personal Communication System (PCS), a Global System for Mobile communications (GSM) terminal, a Personal Digital Cellular (PDC) terminal, a PHS (Personal Handyphone) connected to a base wireless communication network System), a wireless terminal connected to a personal digital assistant (PDA), a smart phone, etc., or a high-speed downlink packet access (HSDPA) based wireless network, or an IEEE 802.16x based wireless network. It is preferable to include at least one or more connected wireless terminals.

According to an exemplary embodiment of the present invention, the wireless terminal 585 includes a number request interface screen provided by the relay server 550 by inputting a predetermined wireless access number (or wireless internet access menu). Receives and outputs, and through the at least one user interface included in the number request interface screen inputs the temporary temporary card number request information and the card information and password corresponding to the customer card to be transmitted to the relay server (550) It is preferable to have a function (for example, a browser program).

According to another exemplary embodiment of the present invention, when the card company server 500 is provided in connection with card information corresponding to the customer card and the customer wireless terminal 585 information, the customer wireless terminal 585 is Receives and outputs a wireless page including a number request interface screen provided by the relay server 550 by inputting a predetermined wireless access number (or wireless Internet access menu), and at least one or more included in the number request interface screen. A function of inputting a predetermined temporary card number request information, card company information (or BIN information), and a password corresponding to a customer card associated with the customer wireless terminal 585 information through a user interface and transmitting it to the relay server 550. (E.g., a browser program) is preferably provided.

According to another exemplary embodiment of the present invention, the card company server 500 is provided in association with the card information corresponding to the customer card and the customer wireless terminal 585 information, and the password authentication process is performed by the payment wireless. If the terminal 590 is processed after the predetermined payment information and the temporary card number is transmitted to the card company server 500 through the relay server 550, the customer wireless terminal 585 is a predetermined wireless access number ( Or a wireless Internet access menu) to receive and output a wireless page including a number request interface screen provided by the relay server 550, and to display a wireless page through at least one user interface included in the number request interface screen. A function of inputting temporary card number request information and card company information (or BIN information) to the relay server 550 (for example, a browser program). It is preferable to comprise a)).

According to another exemplary embodiment of the present invention, the customer wireless terminal 585 outputs a predetermined number request interface screen according to a predetermined communication protocol defined in the relay server 550, and inputs it through the number request interface screen. It is preferable to further comprise a function (for example, encryption module, or mobile payment program) for transmitting (eg, encrypted transmission) at least one or more information to the relay server 550.

Thereafter, the customer wireless terminal 585 may be provided with a temporary card number corresponding to the temporary card number request information from the card company server 500.

According to one embodiment of the invention, the temporary card number preferably comprises a predetermined BIN information and a predetermined serial number (or authentication number), in which case the customer is the payment for the mobile payment processing; It is desirable to provide the temporary card number to the wireless terminal 590.

According to another embodiment of the present invention, the temporary card number preferably comprises only a predetermined serial number (or authentication number), in which case the customer is the payment wireless terminal 590 for the mobile payment processing. ) Is preferably provided together with the temporary card number and card company information (or BIN information).

The payment wireless terminal 590 is a wireless terminal corresponding to information of the payment wireless terminal 590 registered in the mobile affiliated store D / B 540 through the information registration system shown in FIG. Code Division Multiple Access (WCDMA) / WCDMA (Wide-CDMA) based wireless communication network at least one or more (eg, Personal Communication System (PCS), Global System for Mobile communications (GSM) terminal, personal digital cellular ( Personal Digital Cellular (PDC) terminal, Personal Handyphone System (PHS) terminal, Personal Digital Assistant (PDA), Smart Phone, etc.) or HSDPA (High-Speed Downlink Packet Access) based wireless communication network Preferably, the wireless terminal includes at least one wireless terminal connected to an IEEE 802.16x based wireless communication network.

According to an embodiment of the present invention, the payment wireless terminal 590 inputs a predetermined wireless access number (or wireless internet access menu) to display a wireless page including a mobile payment interface screen provided by the relay server 550. Receives and outputs, and inputs the predetermined payment information and the temporary card number to the relay server 550 via at least one user interface included in the mobile payment interface screen (for example, a browser program) It is preferable to make it.

According to another exemplary embodiment of the present invention, the payment wireless terminal 590 includes a user interface for inputting predetermined payment information and the temporary card number according to a predetermined communication protocol defined in the relay server 550. Outputs a mobile payment interface screen and inputs the payment information and the temporary card number to the relay server 550 through the user interface (eg, encryption transmission) (eg, encryption module or mobile payment); It is preferable to further comprise a program).

According to the present invention, the relay server 550 transmits a temporary card number received from the payment wireless terminal 590 to a predetermined card company server 500 for the mobile payment. ) BIN information D / B (580) for storing the information and the card company information in association with each other.

The BIN information is information corresponding to a card issuing organization identification number or the card identification number for a customer card distributed in Korea, and preferably includes at least one or more BIN information for all customer cards distributed in Korea.

Preferably, the card company information includes a card company name matching the predetermined BIN information and card company server 500 information, and matches all the card company information that issued the customer card capable of mobile payment with the respective BIN information. It is preferable to make it.

According to the present invention, the relay server 550 connects and manages a communication channel for transmitting / receiving predetermined temporary card number request-related information with the customer wireless terminal 585 through a predetermined wireless communication network. It characterized by comprising a.

The interface unit 575 includes a communication stack including the customer wireless terminal 585, a predetermined communication channel (eg, the customer wireless terminal 585, a wireless communication network, and a predetermined gateway) based on a protocol stack defined in the wireless communication network. A communication interface (for example, the customer wireless terminal 585) for connecting and transmitting / receiving predetermined temporary card number request-related information using a communication protocol defined in a browser program included in the customer wireless terminal 585. It is desirable to provide a communication interface for connecting a communication channel by inputting a predetermined wireless access number, or a communication interface for connecting a communication channel via a predetermined wireless Internet connection.

For example, when a browser program corresponding to a WAP (Wireless Application Protocol) and / or a ME (Mobile Explorer) protocol is provided in the customer wireless terminal 585, the interface unit 575 is based on the CDMA / WCDMA protocol. Connects a communication channel with the customer wireless terminal 585 and uses a WAP / ME protocol defined in the browser program to designate a predetermined web page (e.g., WML (Wireless Markup Language) compatible web) for the mobile payment processing. Page, or an HTML compatible web page) to the customer wireless terminal 585, or a communication interface for receiving predetermined temporary card number request-related information transmitted from the customer wireless terminal 585.

Or, if the customer wireless terminal (585) is provided with a predetermined mobile payment program directly interworking with the relay server 550, the interface unit 575 is based on the CDMA / WCDMA protocol the customer wireless terminal ( 585) and a communication interface for receiving predetermined temporary card number request-related information transmitted from the customer wireless terminal 585 using a communication protocol defined in the browser program.

Referring to FIG. 5, when the relay server 550 connects a predetermined communication channel through the interface unit 575 in the customer wireless terminal 585 and requests a temporary card number through the communication channel. And an interface provider 570 which provides a number request interface screen including at least one user interface for transmitting predetermined temporary card number request information, card information corresponding to the customer card, and a password to the customer wireless terminal 585. And an information receiving unit 565 receiving temporary card number request information transmitted from the customer wireless terminal 585 and card information and password corresponding to the customer card in association with the interface unit 575. It features.

When the customer wireless terminal 585 connects a predetermined communication channel through the interface unit 575 and requests a mobile payment through the communication channel, the interface provider 570 is the interface unit 575. And a user interface for inputting and transmitting predetermined temporary card number request information, card information corresponding to the customer card, and a password to the customer wireless terminal 585 in association with the user wireless terminal 585. When the customer wireless terminal 585 inputs the temporary card number request information and the card information and password corresponding to the customer card through the number request interface screen, the information receiving unit 565 is transmitted. The temporary card number request information transmitted from the customer wireless terminal 585 in association with the interface unit 575. And it is characterized in that for receiving the card information and the password corresponding to the customer's card.

According to another exemplary embodiment of the present invention, the interface providing unit 570 connects predetermined temporary card number request information and card company information (or BIN information) to the customer wireless terminal 585 in association with the interface unit 575. And a number request interface screen including at least one user interface for inputting and transmitting a password corresponding to the customer card associated with the customer wireless terminal 585 information, in the customer wireless terminal 585. When the temporary card number request information, card company information (or BIN information), and a password corresponding to the customer card associated with the customer wireless terminal 585 information are input through the number request interface screen, the information receiving unit 565 is transmitted. ) Is the temporary card number request information and the card transmitted from the customer wireless terminal 585 in association with the interface unit 575 It is preferable to receive the company information (or BIN information) and the password corresponding to the customer card associated with the customer wireless terminal 585 information.

According to another exemplary embodiment of the present invention, the interface providing unit 570 connects predetermined temporary card number request information and card company information (or BIN information) to the customer wireless terminal 585 in association with the interface unit 575. It is desirable to provide a number request interface screen including at least one user interface for transmitting by inputting), and the temporary card number request information and card company information (in the customer wireless terminal 585 through the number request interface screen) Or BIN information), the information receiver 565 transmits the temporary card number request information and card company information (or BIN information) transmitted from the customer wireless terminal 585 in association with the interface unit 575. It is desirable to receive.

According to another exemplary embodiment of the present invention, when the predetermined number request program having the number request interface is provided in the customer wireless terminal 585, the interface provider 570 sends the request to the customer wireless terminal 585. Providing the number request interface screen may be omitted, and the present invention is not limited thereto.

* Referring to FIG. 5, when at least one or more information is received from the customer wireless terminal 585 through the information receiving unit 565, the relay server 550 may be connected to the interface unit 575. And an information confirming unit 560 for confirming predetermined customer wireless terminal 585 information corresponding to the wireless terminal 585.

When the card information corresponding to the customer card is received through the information receiving unit 565 according to an embodiment of the present invention, the information checking unit 560 extracts the BIN information included in the card information, and the extraction It is preferable to confirm predetermined card company information to which the temporary card number request information is transmitted by comparing the BIN information stored in the BIN information D / B 580 with the BIN information.

According to another exemplary embodiment of the present invention, when predetermined card company information is received through the information receiving unit 565, the information checking unit 560 transmits the received card company information to the predetermined card company to transmit the temporary card number request information. It is desirable to confirm with the information.

According to another exemplary embodiment of the present invention, when predetermined BIN information is received through the information receiving unit 565, the information checking unit 560 transmits the received BIN information to the BIN information D / B 580. It is preferable to confirm predetermined card company information to which the temporary card number request information is to be transmitted by comparing the stored BIN information.

Referring to FIG. 5, the relay server 550 receives the temporary card number request information through the information receiving unit 565, and the information of the customer wireless terminal 585 through the information checking unit 560. When the card company information is confirmed, an information transmitter 555 for transmitting the temporary card number request information and the customer wireless terminal 585 information to a predetermined card company server 500 corresponding to the confirmed card company information through a predetermined communication network. It is characterized by comprising a).

According to another exemplary embodiment of the present invention, when the temporary card number request information and the card information and the password corresponding to the customer card are received through the information receiving unit 565, the information transmitting unit 555 requests the temporary card number request. It is preferable to transmit the card information and password corresponding to the information and the customer card and the customer wireless terminal 585 information to a predetermined card company server 500 corresponding to the confirmed card company information.

According to another exemplary embodiment of the present invention, when the temporary card number request information and the password corresponding to the customer card are received through the information receiving unit 565, the information transmitting unit 555 is connected to the temporary card number request information. It is preferable to transmit the password corresponding to the customer card and the customer wireless terminal 585 information to a predetermined card company server 500 corresponding to the confirmed card company information.

Thereafter, the card company server 500 generates a predetermined temporary card number corresponding to the temporary card number request information, and transmits the generated temporary card number to the customer wireless terminal 585. The temporary card number is transmitted to the customer wireless terminal 585 through the relay server 550 or the customer via the predetermined wireless communication network corresponding to the customer wireless terminal 585 information from the card company server 500. May be sent directly to the wireless terminal 585.

When transmitting the temporary card number to the customer wireless terminal 585 through the relay server 550, the relay server 550, the temporary card number and the customer from the card company server 500 through the communication network The mobile terminal 585 receives information, and transmits the temporary card number to the customer wireless terminal 585 through the interface unit 575.

According to the present invention, after the relay server 550 is provided with the temporary card number to the customer wireless terminal 585, the payment wireless terminal 590 and the predetermined payment information and the temporary card through a predetermined wireless communication network. And an interface unit 575 for connecting and managing a communication channel for transmitting and receiving a number.

The interface unit 575 may include a payment wireless terminal 590 and a predetermined communication channel (for example, a payment wireless terminal 590, a wireless communication network, and a predetermined gateway) based on a protocol stack defined in the wireless communication network. Channel) and a communication interface (eg, the payment wireless terminal 590) for transmitting and receiving predetermined payment information and the temporary card number using a communication protocol defined in a browser program included in the payment wireless terminal 590. It is desirable to provide a communication interface for connecting a communication channel by inputting a predetermined wireless access number, or a communication interface for connecting a communication channel via a predetermined wireless Internet connection.

For example, when the payment wireless terminal 590 is equipped with a browser program corresponding to a WAP (Wireless Application Protocol) and / or a Mobile Explorer (ME) protocol, the interface unit 575 is based on the CDMA / WCDMA protocol. Connect a communication channel with the payment wireless terminal 590, and use a predetermined web page (e.g., WML (Wireless Markup Language) compatible web page for the mobile payment processing using the WAP / ME protocol defined in the browser program). Or an HTML-compatible web page) to the payment wireless terminal 590, or a communication interface for receiving predetermined payment information and the temporary card number transmitted from the payment wireless terminal 590.

Or, if the payment wireless terminal 590 is provided with a predetermined mobile payment program directly interworking with the relay server 550, the interface unit 575 is based on the CDMA / WCDMA protocol the payment wireless terminal ( 590) and a communication interface for receiving predetermined payment information and the temporary card number transmitted from the payment wireless terminal 590 using a communication protocol defined in the browser program.

Referring to FIG. 5, when the relay server 550 connects a predetermined communication channel through the interface unit 575 in the payment wireless terminal 590 and requests a mobile payment through the communication channel. And an interface provider 570 for providing a mobile payment interface screen including at least one user interface for inputting and transmitting predetermined payment information and the temporary card number to the payment wireless terminal 590, and the interface unit ( And an information receiver 565 for receiving the payment information transmitted from the payment wireless terminal 590 and the temporary card number in association with 575.

According to one embodiment of the present invention, the temporary card number preferably comprises predetermined BIN information.

According to an exemplary embodiment of the present invention, when the temporary card number does not include predetermined BIN information, the interface providing unit 570 sends the payment information, the temporary card number and the card company to the payment wireless terminal 590. It is preferable to provide a mobile payment interface screen including at least one user interface for inputting and transmitting information (or BIN information), wherein the information receiving unit 565 is linked with the interface unit 575 to make the payment wireless terminal. It is preferable to receive the payment information, the temporary card number and card company information (or BIN information) from 590.

Here, the payment information, it is preferable to include the predetermined payment amount information, it is preferable to further comprise the mobile affiliated store information according to the intention of the skilled person.

In addition, when the relay server 550 receives at least one or more information from the payment wireless terminal 590 through the information receiving unit 565, the payment wireless terminal 590 in association with the interface unit 575. And an information confirming unit 560 for confirming predetermined payment wireless terminal 590 information.

According to an embodiment of the present invention, when the temporary card number includes predetermined BIN information, the information checking unit 560 extracts the BIN information included in the temporary card number, and extracts the extracted BIN information. Preferably, the BIN information stored in the BIN information D / B 580 is compared to confirm predetermined card company information for transmitting the payment information and the temporary card number.

According to another exemplary embodiment of the present invention, when predetermined card company information is received through the information receiving unit 565, the information checking unit 560 converts the card company information into card company information to transmit the payment information and the temporary card number. Preferably, when the predetermined BIN information is received through the information receiving unit 565, the information checking unit 560 stores the received BIN information and the BIN information stored in the BIN information D / B 580. It is preferable to check predetermined card company information to transmit the payment information and the temporary card number by comparing with.

In addition, the relay server 550 receives the payment information and the temporary card number through the information receiving unit 565 and the payment wireless terminal 590 information and the card company information through the information checking unit 560. Is confirmed, an information transmitter 555 is configured to transmit the payment information, the temporary card number, and the payment wireless terminal 590 information to a predetermined card company server 500 corresponding to the confirmed card company information. It features.

Then, the card company server 500 is characterized in that the payment authorization processing of the payment amount contained in the payment information using a predetermined customer card associated with the temporary card number.

According to another exemplary embodiment of the present invention, a password corresponding to the customer card is transmitted in the process of transmitting the temporary card number request information from the customer wireless terminal 585 to the card company server 500 through the relay server 550. If it is not transmitted together, the card company server 500 receives the payment information from the relay server 550, and then transmits a wireless message including the payment information and a predetermined callback UL to the customer wireless terminal 585. After transmission, it is possible to receive and authenticate a password corresponding to the customer card through the callback UEL.

In transmitting the wireless message to the customer wireless terminal 585, the card company server 500 transmits the payment to the customer wireless terminal 585 through a predetermined wireless communication network corresponding to the customer wireless terminal 585 information. It is preferable to directly transmit a wireless message including information and a predetermined callback UL, in which case the customer wireless terminal 585 provides a password corresponding to the customer card to the card company server 500 through the callback UL. do.

Alternatively, the card company server 500 may transmit a wireless message including the payment information and a predetermined callback UEL to the customer wireless terminal 585 in association with the relay server 550. In this case, the customer The wireless terminal 585 accesses the relay server 550 through the callback UEL and provides a password corresponding to the customer card to the card company server 500.

Referring to FIG. 5, the card company server 500 transmits the temporary card number request information and the card information and password corresponding to the customer card and the customer wireless terminal 585 from the relay server 550 through a predetermined communication network. And an information checking unit 505 for receiving information, and a validity checking unit 510 for checking the validity of the received temporary card number request information and the customer wireless terminal 585 information.

The information receiving unit 565 may receive the temporary card number request information, the card information corresponding to the temporary card number request information, the customer card, and the customer wireless terminal 585 information from the relay server 550 through a predetermined communication network. do.

When the temporary card number request information, the card information and password corresponding to the customer card, and the customer wireless terminal 585 information are received through the information receiving unit 505, the validity checking unit 510 receives the received card information. And the card information provided in the predetermined card information D / B (not shown) to check the validity of the customer card corresponding to the card information issued by the card company and confirming that the mobile payment is possible. It is done.

In addition, the validity confirming unit 510 compares the received password with a password provided in predetermined card information D / B (not shown) to check the validity of the password corresponding to the customer card. .

In addition, the validity confirming unit 510 checks whether the payment amount included in the payment information can be processed through the customer card.

According to an exemplary embodiment of the present invention, if the customer card is a credit card, the validity checking unit 510 may connect the predetermined credit card information D / B (not shown) to the credit limit amount of the customer card. It is desirable to check whether the payment processing conditions are satisfied.

According to another exemplary embodiment of the present invention, if the customer card is a check card (or debit card), the validity checking unit 510 is associated with the customer card in connection with predetermined card information D / B (not shown). It is preferable to check whether the balance of the financial account satisfies the condition for payment processing of the payment amount.

According to another exemplary embodiment of the present invention, if the customer card is a prepaid card, the validity checking unit 510 is linked to a predetermined card information D / B (not shown), and the amount charged in the customer card is settled. It is desirable to check whether the amount of payment can be satisfied.

Referring to FIG. 5, when a predetermined storage medium 545 is stored in association with the customer wireless terminal 585 information and the card information corresponding to the customer card, the information receiving unit 565 stores the information through the predetermined communication network. And receiving the temporary card number request information and the customer wireless terminal 585 information from the relay server 550, and the validity checking unit 510 receives the received temporary card number request information and the customer wireless information. Characterizing the validity of the terminal 585 information.

The information receiving unit 565 may receive the temporary card number request information and the customer wireless terminal 585 information from the relay server 550 through a predetermined communication network. It is possible to further receive a password corresponding to the customer card associated with the terminal 585 information.

When the temporary card number request information and the customer wireless terminal 585 information are received through the information receiving unit 505, the validity confirming unit 510 is connected to the received storage medium 545 to the customer wireless terminal. (585) By confirming the card information associated with the information, characterized in that the customer card corresponding to the card information is issued by the card company, and confirming the validity to confirm that the mobile payment is possible.

When the information receiving unit 505 further receives a password corresponding to the customer card associated with the customer wireless terminal 585 information, the validity checking unit 510 determines the received password and predetermined card information D / B. It is characterized by checking the validity of the password corresponding to the customer card by comparing the password provided in (not shown).

In addition, the validity check unit 510 is characterized by checking whether the payment amount contained in the payment information can be processed through the customer card.

Referring to FIG. 5, the card company server 500 includes a temporary card number generation unit 515 for generating a predetermined temporary card number for a predetermined mobile payment processing, and the generated temporary card number as the customer card. And an information storage unit 520 for storing the temporary card number information to the customer wireless terminal 585 in association with the card information corresponding to the storage device 545. And a payment information receiving unit 525 for receiving predetermined payment information and the temporary card number from the relay server 550 through a predetermined communication network and the storage medium in association with the temporary card number. And a payment approval processing unit 530 for approving the payment corresponding to the payment information through the customer card corresponding to the card information stored in the address 545.

When the validity of the temporary card number generation is confirmed as a result of the verification by the validity confirmation unit 510, the temporary card number generation unit 515 generates a predetermined temporary card number for a predetermined mobile payment processing. The information storage unit 520 stores the generated temporary card number in a predetermined storage medium 545 in association with the card information corresponding to the customer card.

According to one embodiment of the invention, the temporary card number preferably comprises a predetermined BIN information and a predetermined serial number (or authentication number), in this case, the customer who received the temporary card number is the mobile payment It is preferable to provide the temporary card number to the payment wireless terminal 590 for payment processing.

According to another embodiment of the present invention, the temporary card number preferably comprises only a predetermined serial number (or authentication number), in which case the customer who has been provided with the temporary card number for the mobile payment processing It is preferable to provide the temporary card number and card company information (or BIN information) to the payment wireless terminal 590 together.

When a predetermined temporary card number is generated by the temporary card number generation unit 515, the information transmission unit 535 sends predetermined temporary card number information including the temporary card number to the customer wireless terminal 585. Characterized in that the transmission.

According to an embodiment of the present invention, the information transmitter 555 preferably transmits the temporary card number and the customer wireless terminal 585 information to the relay server 550, and correspondingly, the relay server ( 550 preferably transmits the temporary card number to the customer wireless terminal 585 through a predetermined wireless communication network based on the customer wireless terminal 585 information.

According to another exemplary embodiment of the present invention, directly transmitting the temporary card number to the customer wireless terminal 585 through a predetermined wireless communication network based on the information transmitting unit 555 customer wireless terminal 585 information. It is possible, and the invention is not limited thereby.

The temporary card number transmitted to the customer wireless terminal 585 is input through the pre-payment wireless terminal 590, and the relay server through the wireless communication network together with predetermined payment information (e.g., payment amount information, mobile affiliate information). Received by the 550, the relay server 550 transmits the payment information and the temporary card number to the card company server 500 through a predetermined communication network, the payment information receiving unit 525 through the communication network Receiving the payment information and the temporary card number from the relay server 550.

When the payment information and the temporary card number are received through the payment information receiving unit 525, the payment approval processing unit 530 compares the received temporary card number with the temporary card number stored in the storage medium 545. Characterized by checking the validity of the temporary card number.

If the validity of the temporary card number is authenticated, the payment approval processing unit 530 may perform a payment approval process on the payment amount included in the payment information through the customer card associated with the temporary card number.

According to an embodiment of the present invention, if the customer card is a credit card, the payment approval processing unit 530 is characterized in that the payment authorization processing of the payment amount within the credit limit amount range of the customer card, the credit card After performing a predetermined payment approval procedure (e.g., purchasing a bill, paying a bill, etc.) corresponding to the payment approval, the payment amount (e.g., a predetermined amount of a predetermined payment fee) is transferred to the mobile affiliated store D / B 540. It is preferable to deposit money into a financial account corresponding to the provided payment account information.

According to another embodiment of the present invention, if the customer card is a check card (or debit card), the payment approval processing unit 530 withdraws the payment amount within the balance of the account associated with the customer card, It is preferable to deposit the withdrawal amount (for example, a predetermined payment fee) into a financial account corresponding to the deposit account information provided in the mobile affiliated store D / B 540.

According to another exemplary embodiment of the present invention, if the customer card is a prepaid card, the payment approval processing unit 530 uses the payment amount among the amounts charged in the customer card, and the used amount (eg, a predetermined amount). It is preferable to deposit the amount of the payment fee) into a financial account corresponding to the deposit account information provided in the mobile affiliated store D / B 540.

Thereafter, the information transmitter 535 transmits predetermined payment history information approved by the payment approval processor 530 to the customer wireless terminal 585 and the payment wireless terminal 590.

6 is a diagram illustrating a temporary card number request process for mobile payment processing using a wireless terminal according to an embodiment of the present invention.

More specifically, FIG. 6 illustrates a process in which a predetermined customer requests a predetermined temporary card number to the card company server 500 through a predetermined relay server 550 using a predetermined customer wireless terminal 585. Specifically, the method of transmitting to the card company server 500 further includes predetermined card information and a password in the temporary card number request information in the customer wireless terminal 585.

Those skilled in the art to which the present invention pertains can refer to and / or modify this figure 6 to infer various implementation methods for the temporary card number request process for mobile payment processing using the wireless terminal. Although there will be, the present invention includes all the implementation methods inferred, and the technical features are not limited only to the implementation method shown in FIG.

Hereinafter, in FIG. 6, in the client wireless terminal 585, the temporary card number request information is transmitted to the card company server 500 through the relay server 550. Although it is described as including the card information and password further, it will be apparent that the present invention is not limited thereby.

For example, in FIG. 6, when the customer wireless terminal 585 information and predetermined card information are stored in association with the card company server 500, the card information transmitted together with the temporary card number request information is a predetermined card company. Information (or BIN information), and when the temporary card number request process and the password authentication are performed separately, the password transmitted together with the temporary card number request information is sent through a separate customer approval process. It may be performed.

Referring to FIG. 6, the customer wireless terminal 585 connects to the relay server 550 through a predetermined wireless communication network and requests the relay server 550 to provide a predetermined number request interface at step 600. In response, the relay server 550 generates (or extracts) a number request interface including a predetermined temporary card number request information, a user interface for inputting card information and a password, and generates the number request interface through the wireless communication network. Provided at 585 (605).

According to another exemplary embodiment of the present invention, when the predetermined number request program having the number request interface is provided in the customer wireless terminal 585, the process of providing the number request interface is provided in the customer wireless terminal 585. It can be replaced by the process of executing the number request program, whereby the present invention is not limited.

Thereafter, the customer wireless terminal 585 inputs predetermined temporary card number request information, card information, and password through the number request interface (610).

Here, the card information preferably includes a card number including predetermined BIN information and valid period information for the customer card.

If predetermined temporary card number request information, card information and password are input through the number request interface (615), the customer wireless terminal 585 transmits the temporary card number request information, card information and password through the wireless communication network. 620 is transmitted to the relay server 550, and correspondingly, the relay server 550 checks the customer wireless terminal 585 information, and confirms predetermined card company information corresponding to the card information. 625).

According to an embodiment of the present invention, the customer wireless terminal 585 information is preferably confirmed based on a communication protocol defined in the wireless communication network, and in accordance with the intention of the person skilled in the art from the relay server 550 to the wireless communication network It is possible to confirm the customer wireless terminal 585 information in connection with a predetermined subscriber D / B.

The card company information corresponds to the card information by comparing the BIN information included in the card information with the BIN information included in the BIN information D / B 580 shown in FIG. 5 in the relay server 550. It is desirable to confirm card company information.

Thereafter, the relay server 550 transmits the temporary card number request information, the card information, the password, and the customer wireless terminal 585 information to the card company server 500 corresponding to the confirmed card company information through a predetermined communication network. In operation 630, the card company server 500 confirms the validity of the card information (635).

According to the method of the present invention, the card company server 500 is linked to the predetermined card information D / B (not shown) for storing the card information issued by the card company customer card corresponding to the card information is the card company It is preferable to check the validity of the card information by issuing, and by checking whether the mobile payment is possible.

If the validity of the card information is not confirmed (640), the card company server 500 generates predetermined mobile payment error information and transmits the predetermined mobile payment error information to the customer wireless terminal 585 through the relay server 550 ( 645).

On the other hand, if the validity of the card information is confirmed (640), the card company server 500 checks the validity of the password (650).

If the validity of the password is not confirmed (655), the card company server 500 generates a predetermined mobile payment error information and transmits the predetermined mobile payment error information to the customer wireless terminal 585 through the relay server 550 (645). ).

On the other hand, if the validity of the password is confirmed (655), the card company server 500 performs a process of generating a temporary card number corresponding to the card information to transmit to the customer wireless terminal (585).

According to another embodiment of the present invention, when the password is omitted, the card company server 500 may check the validity of the password through a separate customer approval procedure, thereby the present invention is not limited.

7 is a diagram illustrating a temporary card number request process for mobile payment processing using a wireless terminal according to another embodiment of the present invention.

In more detail, FIG. 7 illustrates a process in which a predetermined customer requests a predetermined temporary card number to the card company server 500 through a predetermined relay server 550 using a predetermined customer wireless terminal 585. Specifically, when the card company server 500 is provided in connection with predetermined card information and the customer wireless terminal 585 information, the card company information is specified in the temporary card number request information in the customer wireless terminal 585. (Or BIN information) and a password are further included in the implementation method of transmitting to the card company server 500.

Those skilled in the art to which the present invention pertains can refer to and / or modify this drawing to infer various implementation methods for the temporary card number request process for mobile payment processing using the wireless terminal. Although there will be, the present invention includes all the implementation methods inferred, and the technical features are not limited only to the implementation method shown in FIG.

Hereinafter, in FIG. 7, when the customer wireless terminal 585 transmits predetermined temporary card number request information to the card company server 500 through the relay server 550, the temporary card number request information is predetermined. Although described as including a password further, it will be apparent that the present invention is by no means limited thereto.

For example, when the temporary card number request process and the password authentication are separately performed in FIG. 7, the password transmitted together with the temporary card number request information may be performed through a separate customer approval process.

Referring to FIG. 7, the customer wireless terminal 585 connects to the relay server 550 through a predetermined wireless communication network and requests the relay server 550 to provide a predetermined number request interface (700). In response, the relay server 550 generates (or extracts) a number request interface including a user interface for inputting predetermined temporary card number request information, card company information (or BIN information), and a password to establish the wireless communication network. Provided to the customer wireless terminal 585 through (705).

According to another exemplary embodiment of the present invention, when the predetermined number request program having the number request interface is provided in the customer wireless terminal 585, the process of providing the number request interface is provided in the customer wireless terminal 585. It can be replaced by the process of executing the number request program, whereby the present invention is not limited.

Thereafter, the customer wireless terminal 585 inputs predetermined temporary card number request information, card company information (or BIN information), and a password through the number request interface (710).

If predetermined temporary card number request information, card company information (or BIN information), and a password are input through the number request interface (715), the customer wireless terminal 585 transmits the temporary card number request information through the wireless communication network. And card company information (or BIN information) and a password are transmitted to the relay server 550 (720). In response, the relay server 550 checks the customer wireless terminal 585 information, and stores the card company information. The temporary card number request information is confirmed as card company information to be relayed or predetermined card company information corresponding to the BIN information is confirmed (725).

According to an embodiment of the present invention, the customer wireless terminal 585 information is preferably confirmed based on a communication protocol defined in the wireless communication network, and in accordance with the intention of the person skilled in the art from the relay server 550 to the wireless communication network It is possible to confirm the customer wireless terminal 585 information in connection with a predetermined subscriber D / B.

Thereafter, the relay server 550 transmits the temporary card number request information, the card company information (or BIN information), the password, and the customer wireless terminal 585 to the card company server 500 corresponding to the confirmed card company information through a predetermined communication network. In this case, the card company server 500 confirms predetermined card information associated with the customer wireless terminal 585 information and confirms validity of the checked card information. 735).

According to an embodiment of the present invention, the card company server 500 confirms predetermined card information associated with the customer wireless terminal 585 information, and stores predetermined card information D / B (not shown) for storing the card information. It is preferable to confirm the validity of the card information by confirming that the customer card corresponding to the card information is issued by the card company in association with the card information and the mobile payment is possible.

If the validity of the card information is not confirmed (740), the card company server 500 generates a predetermined mobile payment error information and transmits to the customer wireless terminal 585 through the relay server 550 ( 745).

On the other hand, if the validity of the card information is confirmed (740), the card company server 500 checks the validity of the password (750).

If the validity of the password is not confirmed (755), the card company server 500 generates a predetermined mobile payment error information and transmits it to the customer wireless terminal 585 through the relay server 550 (745). ).

On the other hand, if the validity of the password is confirmed (755), the card company server 500 performs a process of generating a temporary card number corresponding to the card information to transmit to the customer wireless terminal (585).

According to another embodiment of the present invention, if the password is omitted, the card company server 500 may check the validity of the password through a separate customer approval procedure, thereby the present invention is not limited thereto. .

8 is a diagram illustrating a customer approval process for mobile payment processing using a wireless terminal according to an embodiment of the present invention.

In more detail, FIG. 8 illustrates a case in which the password is not provided to the card company server 500 during the temporary card number request process shown in FIG. 6 or FIG. 7. By confirming the validity of the password for the card information in connection with the customer wireless terminal 585 through the relay server 550, the present invention relates to a process of confirming the customer approval for the mobile payment processing, Those skilled in the art will be able to infer various implementation methods for the customer approval process for the mobile payment processing using the wireless terminal by referring to and / or modifying the present invention. Is made including all the inferred implementation methods, the technical features are not limited only to the implementation method shown in FIG. .

Referring to FIG. 8, when the password is not provided to the card company server 500 during the temporary card number request process shown in FIG. 6 or 7, the card company server 500 may identify the mobile payment before approval of the mobile payment. At the time point (for example, before or after the temporary card number is transmitted from the card company server 500 to the customer wireless terminal 585, or from the payment wireless terminal 590 in the card company server 500). After receiving the temporary card number) and transmits the customer wireless terminal 585 information and the predetermined customer approval request message information to the relay server 550 (800). Generate a predetermined wireless message including the customer approval request message information and the callback UEL for password transmission (805), and the customer wireless terminal corresponding to the customer wireless terminal (585) information through the wireless communication network ( In step 585, the wireless message is transmitted.

Upon receiving the wireless message, the customer wireless terminal 585 outputs the customer approval request message information, and requests a password transmission for customer approval for the mobile payment processing through the callback UEL (eg, callback UEL access). (815).

If it is confirmed that the request for the password transmission for the customer approval for the mobile payment processing (820), the customer wireless terminal 585 is connected to the relay server 550 corresponding to the callback UEL through the wireless communication network Request a predetermined password transmission (825), and correspondingly, the relay server 550 provides a number transmission interface for inputting and transmitting a predetermined password to the customer wireless terminal 585 via the wireless communication network ( 830).

Thereafter, the customer wireless terminal 585 inputs a predetermined password through the number transmission interface (835).

If a predetermined password is input through the number transmission interface (840), the customer wireless terminal (585) transmits the password to the relay server (550) via the wireless communication network (845) and correspondingly The relay server 550 relays the password to the card company server 500 (850), and the card company server 500 checks the validity of the password (855).

According to an embodiment of the present invention, the card company server 500 compares the received password with a password stored in association with the card information in predetermined card information D / B (not shown), thereby validating the password. It is desirable to check.

If the validity of the password is not confirmed (860), the card company server 500 generates a predetermined mobile payment error information and transmits to the customer wireless terminal (585) through the relay server (550) (865). ).

On the other hand, if the validity of the password is confirmed (860), the card company server 500 generates a predetermined authentication information and transmits to the customer wireless terminal (585).

9 is a diagram illustrating a customer approval process for mobile payment processing using a wireless terminal according to another embodiment of the present invention.

In more detail, in FIG. 9, when the password is not provided to the card company server 500 in the temporary card number request process shown in FIG. 6 or 7, the card company server 500 may transmit the customer wireless terminal 585. By confirming the validity of the password for the card information in connection with the customer wireless terminal (585) through a wireless communication network connected to), and the process of confirming the customer approval for the mobile payment processing, the present invention Those skilled in the art will be able to infer various implementation methods for the customer approval process for the mobile payment processing using the wireless terminal by referring to and / or modifying the drawing 9. The invention comprises all the inferred implementation methods, the technical features of which are limited only by the implementation method shown in FIG. Not.

Referring to FIG. 9, when the password is not provided to the card company server 500 in the temporary card number request process shown in FIG. 6 or 7, the card company server 500 may identify the mobile payment before approval of the mobile payment. Time point (for example, before or after transmitting the temporary card number from the card company server 500 to the customer wireless terminal 585, or from the payment wireless terminal 590 at the card company server 500). After receiving the card number) generates a predetermined wireless message including the predetermined customer approval request message information and the callback UEL for password transmission (900), and through the wireless communication network corresponding to the customer wireless terminal (585) information The wireless message is transmitted to the customer wireless terminal 585 (905).

Upon receiving the wireless message, the customer wireless terminal 585 outputs the customer approval request message information, and requests a password transmission for customer approval for the mobile payment processing through the callback UEL (eg, callback UEL access). (910).

If it is confirmed that the request for the password transmission for the customer approval for the mobile payment processing (915), the customer wireless terminal (585) is connected to the card company server 500 corresponding to the callback UL through the wireless communication network In response to requesting a predetermined password transmission (920), the card company server 500 provides a number transmission interface for inputting and transmitting a predetermined password to the customer wireless terminal (585) through the wireless communication network ( 925).

Thereafter, the customer wireless terminal 585 inputs a predetermined password through the number transmission interface (930).

If a predetermined password is input through the number transmission interface (935), the customer wireless terminal 585 transmits the password to the card company server 500 through the wireless communication network (940), and correspondingly the card company The server 500 checks the validity of the password (945).

According to an embodiment of the present invention, the card company server 500 compares the received password with a password stored in association with the card information in predetermined card information D / B (not shown), thereby validating the password. It is desirable to check.

If the validity of the password is not confirmed (950), the card company server 500 generates predetermined mobile payment error information and transmits the predetermined mobile payment error information to the customer wireless terminal 585 through the relay server 550 (955). ).

On the other hand, if the validity of the password is confirmed (950), the card company server 500 generates a predetermined authentication information and transmits to the customer wireless terminal (585).

10 is a diagram illustrating a process of generating a temporary card number and transmitting the temporary card number to a customer wireless terminal 585 for mobile payment processing using a wireless terminal according to an embodiment of the present invention.

In more detail, FIG. 10 performs the temporary card number request process shown in FIG. 6 or FIG. 7 (or further performs a customer approval process shown in FIG. 8 or FIG. 9), and then the card company server 500 A process of generating a predetermined temporary card number corresponding to the card information and transmitting the generated temporary card number to the customer wireless terminal 585. If a person having ordinary knowledge in the technical field to which the present invention pertains refers to FIG. And / or modified to infer various implementation methods for the process of generating a temporary card number for the mobile payment processing using the wireless terminal to transmit to the customer wireless terminal 585, the present invention can be inferred all It is made, including the implementation method, the technical features are not limited only to the implementation method shown in FIG.

In FIG. 10, the card company server 500 transmits the temporary card number to the customer wireless terminal 585 through the relay server 550, but the present invention is limited thereto. The temporary card number may be transmitted directly from the card company server 500 to the customer wireless terminal 585 through a predetermined wireless communication network.

Referring to FIG. 10, after performing the customer approval process shown in FIG. 8 or 9, the card company server 500 generates a predetermined temporary card number corresponding to the card information (1000).

Here, the temporary card number preferably comprises at least one number, letters, symbols that can be input through a key input function provided in the payment wireless terminal 590.

If the temporary card number is generated (1005), the card company server 500 stores the temporary temporary card number in association with the card information in the storage medium (545) (1010), the relay server 550 The customer wireless terminal 585 information and the temporary card number are transmitted (1015), and the relay server 550 correspondingly to the customer wireless terminal for requesting the temporary card number (e.g., requesting the temporary card number). The temporary card number is transmitted to the customer wireless terminal 585 (via a communication channel associated with 585) (1020).

According to the exemplary embodiment of the present invention, the temporary card number transmitted to the customer wireless terminal 585 is inputted through the payment wireless terminal 590 through the payment approval process shown in FIGS. 11A and 11B. Received to the server 500, the card company server 500 preferably compares the received temporary card number and the stored temporary card number to process the approval of the mobile payment.

11A and 11B illustrate a payment approval process for mobile payment processing using a wireless terminal according to an embodiment of the present invention.

11a and 11b show the temporary card number request process shown in FIG. 6 or 7 (or further performs the customer approval process shown in FIG. 8 or FIG. 9). After the predetermined temporary card number is received by the customer wireless terminal 585 through the illustrated temporary card number transmission and reception process, the temporary server number and the payment information are input by the payment wireless terminal 590 to the relay server 550. When transmitting to the card company server 500 through), the card company server 500 for the process of the approval process for the mobile payment using the wireless terminal through the validation of the temporary card number, the present invention Those skilled in the art may refer to and / or modify the drawings 11a and 11b to approve payment approval for mobile payment processing using the wireless terminal. Various embodiments of the present invention may be inferred, but the present invention includes all the inferred implementation methods, and the technical features are not limited to the implementation methods shown in FIGS. 11A and 11B.

11A and 11B, the payment wireless terminal 590 connects to the relay server 550 through a predetermined wireless communication network and requests the relay server 550 to provide a predetermined mobile payment interface. Correspondingly, the relay server 550 generates (or extracts) a mobile payment interface including a user interface for inputting a predetermined temporary card number and payment information to the payment wireless terminal through the wireless communication network. Provided at 590 (1105).

According to another exemplary embodiment of the present invention, when a predetermined mobile payment program having the mobile payment interface is provided in the payment wireless terminal 590, the mobile payment interface providing process is provided in the payment wireless terminal 590. It may be replaced by a process of executing a mobile payment program, thereby the present invention is not limited.

Thereafter, the payment wireless terminal 590 inputs predetermined payment information and a temporary card number through the mobile payment interface (1110).

Here, the payment information, it is preferable to include the predetermined payment amount information, it is preferable to further comprise the mobile affiliated store information according to the intention of the skilled person.

Preferably, the temporary card number includes predetermined BIN information and predetermined serial number (or authentication number). When the BIN information is omitted in the temporary card number according to the intention of a person skilled in the art, the mobile payment interface Preferably further comprises a user interface for inputting predetermined card company information (or BIN information).

If a predetermined temporary card number and payment information are input through the mobile payment interface (1115), the payment wireless terminal 590 transmits the temporary card number and payment information to the relay server 550 through the wireless communication network. In response to the transmission (1120), the relay server 550 checks the payment wireless terminal 590 information, and confirms predetermined card company information corresponding to the temporary card number (1125).

According to an embodiment of the present invention, the payment wireless terminal 590 information is preferably confirmed based on a communication protocol defined in the wireless communication network, the relay server 550 to the wireless communication network in accordance with the intention of those skilled in the art It is possible to confirm the payment wireless terminal 590 information in association with the predetermined subscriber D / B.

In addition, the card company information is compared with the BIN information included in the temporary card number in the relay server 550 and the BIN information included in the BIN information D / B 580 shown in FIG. It is preferable to confirm the corresponding card company information.

Thereafter, the relay server 550 transmits the temporary card number, payment information, and payment wireless terminal 590 information to the card company server 500 corresponding to the confirmed card company information through a predetermined communication network (1130). In response, the card company server 500 confirms the validity of the payment wireless terminal 590 information in association with the mobile affiliated store D / B 540 (1135).

According to the exemplary embodiment of the present invention, the card company server 500 checks whether the payment wireless terminal 590 information is provided in the mobile affiliated store D / B 540, and thus the payment wireless terminal 590 information. It is desirable to check the validity.

If the validity of the payment wireless terminal 590 information is not confirmed (1140), the card company server 500 generates predetermined mobile payment error information and transmits the payment wireless terminal 590 through the relay server 550. (1145).

On the other hand, when the validity of the payment wireless terminal 590 information is confirmed (1140), the card company server 500 compares the received temporary card number and the temporary card number stored in the storage medium 545 to the mobile payment The payment validity of the payment processing is checked (1150).

If the payment validity for the mobile payment processing is not confirmed (1155), the card company server 500 generates predetermined mobile payment error information to the payment wireless terminal 590 through the relay server 550. Transmit (1145).

On the other hand, if the payment validity for the mobile payment processing is confirmed (1155), the card company server 500 processes the payment amount included in the payment information through the customer card corresponding to the card information (1160). ).

According to an embodiment of the present invention, if the customer card is a credit card, the card company server 500 is characterized in that the payment processing within the credit limit amount of the customer card payment approval processing, the credit card payment After performing a predetermined payment approval procedure (eg, purchase of a document, payment settlement, etc.) corresponding to the approval, the mobile affiliated store D / B 540 includes the payment amount (e.g., a limited amount of a predetermined payment fee). It is preferable to deposit money into a financial account corresponding to the deposit account information.

According to another embodiment of the present invention, if the customer card is a check card (or debit card), the card company server 500 withdraws the payment amount within the balance of the account associated with the customer card, the withdrawal It is preferable to deposit the amount of money (for example, a predetermined amount of payment fee) into a financial account corresponding to the deposit account information provided in the mobile affiliated store D / B 540.

According to another exemplary embodiment of the present invention, if the customer card is a prepaid card, the card company server 500 uses the payment amount of money charged in the customer card, and uses the used amount (eg, a predetermined payment). It is preferable to deposit the fee to the financial account corresponding to the deposit account information provided in the mobile merchant D / B (540).

If the payment amount contained in the payment information is processed through the customer card (1165), the card company server 500 generates a predetermined mobile payment approval information to generate the wireless payment through the relay server 550 The terminal transmits to the terminal 590 (1170).

12 is a diagram showing the configuration of a mobile payment system using a wireless terminal according to another embodiment of the present invention.

In detail, FIG. 12 illustrates that when a predetermined customer requests a predetermined temporary account number for the mobile payment processing from a predetermined financial institution server 1200 through a predetermined wireless terminal 1285, the financial institution server 1200 ) Generates a predetermined temporary account number associated with the account information corresponding to the customer account corresponding to the request and provides it to the customer wireless terminal 1285, and the temporary account number in the predetermined payment wireless terminal 1290. And payment information is inputted and transmitted to the financial institution server 1200 through a predetermined relay server 1250, the financial institution server 1200 processes payment of a predetermined payment amount through account information corresponding to the temporary account number. As a mobile payment system configuration for those of ordinary skill in the art to which the present invention pertains, the wireless terminal may be referred to and / or modified with reference to FIG. Various implementation methods for the mobile payment system configuration can be inferred, but the present invention includes all the implementation methods inferred, and the technical features are not limited to the implementation method shown in FIG.

Referring to FIG. 12 in accordance with an embodiment of the present invention, a mobile payment system using the wireless terminal includes a customer wireless terminal 1285 possessed by a customer who opens a predetermined customer account at a predetermined financial institution. Located at a short distance from the customer wireless terminal 1285 and through the information registration system shown in FIG. 1 or 3, payment corresponding to the information of the payment wireless terminal 1290 registered in the predetermined mobile affiliated store D / B 1240. A wireless terminal 1290, a relay server 1250 to which the payment wireless terminal 1290 is connected through a predetermined wireless communication network for the mobile payment, and a financial company server 1200 in which the customer account is opened to the customer. Characterized in that comprises a.

However, although the relay server 1250 and the financial company server 1200 are illustrated as being configured as separate servers in the embodiment shown in FIG. 12, the present invention is not limited thereto, and the relay server 1250 is not limited thereto. ) And the financial company server 1200 may be formed of one server or may be configured of a plurality of separate servers for each functional configuration, and the present invention is not limited thereto.

The customer wireless terminal 1285 is a wireless terminal possessed by a customer who opens a predetermined customer account having at least one payment means from a predetermined financial institution, and is code division multiple access (CDMA) / WCDMA (Wide-CDMA). At least one wireless terminal (eg, a Personal Communication System (PCS), a Global System for Mobile communications (GSM) terminal, a Personal Digital Cellular (PDC) terminal, a PHS (PHS) connected to a wireless network Personal handyphone system terminal, personal digital assistant (PDA), smart phone, etc.) or wireless terminal connected to HSDPA (high-speed downlink packet access) based wireless network, IEEE 802.16x based wireless network It is preferable to include at least one or more wireless terminals connected to.

According to an exemplary embodiment of the present invention, the wireless terminal 1285 includes a number request interface screen provided by the relay server 1250 by inputting a predetermined wireless access number (or wireless Internet access menu). Receives and outputs, and through the at least one user interface included in the number request interface screen inputs a predetermined temporary account number request information, account information and password corresponding to the customer account to be transmitted to the relay server 1250 It is preferable to have a function (for example, a browser program).

According to another exemplary embodiment of the present invention, when the financial institution server 1200 is provided in connection with the account information corresponding to the customer account and the customer wireless terminal 1285 information, the customer wireless terminal 1285 is Receives and outputs a wireless page including a number request interface screen provided by the relay server 1250 by inputting a predetermined wireless access number (or wireless internet access menu), and at least one included in the number request interface screen. Through the above user interface, a predetermined temporary account number request information, financial company information (or BIN information), and a password corresponding to a customer account associated with the customer wireless terminal 1285 information are input and transmitted to the relay server 1250. It is preferable to have a function (for example, a browser program).

According to another exemplary embodiment of the present invention, the financial institution server 1200 is provided in connection with the account information corresponding to the customer account and the customer wireless terminal 1285 information, and the password authentication process is the payment wireless When the terminal 1290 is processed after the predetermined payment information and the temporary account number are transmitted to the financial institution server 1200 through the relay server 1250, the customer wireless terminal 1285 is a predetermined wireless access number ( Or a wireless Internet access menu) to receive and output a wireless page including a number request interface screen provided by the relay server 1250, and to display a predetermined page through at least one user interface included in the number request interface screen. A function of inputting temporary account number request information and financial company information (or BIN information) to the relay server 1250 (for example, Bra) Becomes preferably formed by having a program).

According to another exemplary embodiment of the present invention, the customer wireless terminal 1285 outputs a predetermined number request interface screen according to a predetermined communication protocol defined in the relay server 1250, and inputs it through the number request interface screen. It is preferable to further comprise a function (for example, encryption module, or mobile payment program) for transmitting (eg, encrypted transmission) at least one or more information to the relay server 1250.

Thereafter, the customer wireless terminal 1285 may be provided with a predetermined temporary account number corresponding to the temporary account number request information from the financial institution server 1200.

According to one embodiment of the invention, the temporary account number preferably comprises a predetermined BIN information and a predetermined serial number (or authentication number), in which case the customer is the payment for the mobile payment processing It is desirable to provide the temporary account number to the wireless terminal 1290.

According to another embodiment of the present invention, the temporary account number preferably comprises only a predetermined serial number (or authentication number), in which case the customer is the payment wireless terminal 1290 for the mobile payment processing. ), It is preferable to provide the temporary account number and financial company information (or BIN information) together.

The payment wireless terminal 1290 is a wireless terminal corresponding to the information of the payment wireless terminal 1290 registered in the mobile affiliated store D / B 1240 through the information registration system shown in FIG. (Code Division Multiple Access) / WCDMA (Wide-CDMA) based at least one or more wireless terminals (e.g., Personal Communication System (PCS), Global System for Mobile communications (GSM) terminal, personal digital cellular (Personal Digital Cellular (PDC) terminal, PHS (Personal Handyphone System) terminal, Personal Digital Assistant (PDA), Smart Phone, etc.), or HSDPA (High-Speed Downlink Packet Access) based wireless communication network Preferably, the wireless terminal includes at least one wireless terminal connected to an IEEE 802.16x based wireless communication network.

According to an embodiment of the present invention, the payment wireless terminal 1290 inputs a predetermined wireless access number (or wireless Internet access menu) to display a wireless page including a mobile payment interface screen provided by the relay server 1250. Receives and outputs, and inputs the predetermined payment information and the temporary account number to the relay server 1250 via at least one user interface included in the mobile payment interface screen (for example, a browser program) It is preferable to make it.

According to another exemplary embodiment of the present invention, the payment wireless terminal 1290 includes a user interface for inputting predetermined payment information and the temporary account number according to a predetermined communication protocol defined in the relay server 1250. Outputs a mobile payment interface screen and inputs the payment information and the temporary account number to the relay server 1250 (eg, encrypted transmission) through the user interface (eg, encryption module or mobile payment); It is preferable to further comprise a program).

According to the present invention, the relay server 1250 transfers a temporary account number received from the payment wireless terminal 1290 to a predetermined financial institution server 1200 for the mobile payment. ) BIN information D / B (1280) for storing information and financial company information in association with.

The BIN information is two-digit bank code information, and preferably includes at least one BIN information corresponding to all domestic financial institutions that open the customer account.

The financial institution information preferably includes a financial institution name matched with predetermined BIN information and financial institution server 1200 information. The financial institution information includes all BIN information for each financial institution that opens a customer account for mobile payment. It is preferable to make it match.

According to the present invention, the relay server 1250 connects and manages a communication channel for transmitting / receiving predetermined temporary account number request-related information with the customer wireless terminal 1285 through a predetermined wireless communication network. It characterized by comprising a.

The interface unit 1275 may include a communication channel including the customer wireless terminal 1285, a predetermined communication channel (eg, the customer wireless terminal 1285, a wireless communication network, and a predetermined gateway) based on a protocol stack defined in the wireless communication network. A communication interface (for example, the customer wireless terminal 1285) for connecting and transmitting / receiving predetermined temporary account number request-related information using a communication protocol defined in a browser program included in the customer wireless terminal 1285. It is desirable to provide a communication interface for connecting a communication channel by inputting a predetermined wireless access number, or a communication interface for connecting a communication channel via a predetermined wireless Internet connection.

For example, when a browser program corresponding to a WAP (Wireless Application Protocol) and / or a ME (Mobile Explorer) protocol is provided in the customer wireless terminal 1285, the interface unit 1275 is based on the CDMA / WCDMA protocol. Connects a communication channel with the customer wireless terminal 1285 and uses a WAP / ME protocol defined in the browser program to designate a predetermined web page (eg, a WML (Wireless Markup Language) compatible web page) for the mobile payment processing. Or an HTML-compatible web page) to the customer wireless terminal 1285, or a communication interface for receiving predetermined temporary account number request-related information transmitted from the customer wireless terminal 1285.

Or, if the customer wireless terminal 1285 is provided with a predetermined mobile payment program directly interworking with the relay server 1250, the interface unit 1275 is based on the CDMA / WCDMA protocol, the customer wireless terminal ( 1285) and a communication interface for receiving predetermined temporary account number request-related information transmitted from the customer wireless terminal 1285 using a communication protocol defined in the browser program.

Referring to FIG. 12, when the relay server 1250 connects a predetermined communication channel through the interface unit 1275 in the customer wireless terminal 1285 and requests a temporary account number through the communication channel. And an interface provider 1270 for providing a number request interface screen including at least one user interface for transmitting predetermined temporary account number request information and account information and password corresponding to the customer account to the customer wireless terminal 1285. And an information receiving unit 1265 for receiving the temporary account number request information transmitted from the customer wireless terminal 1285 and the account information and the password corresponding to the customer account in connection with the interface unit 1275. It features.

When the customer wireless terminal 1285 connects a predetermined communication channel through the interface unit 1275 and requests a mobile payment through the communication channel, the interface provider 1270 is connected to the interface unit 1275. To provide a number request interface screen including at least one user interface for inputting and transmitting predetermined temporary account number request information, account information and password corresponding to the customer account to the customer wireless terminal 1285 When the customer wireless terminal 1285 inputs and transmits the temporary account number request information and the account information and password corresponding to the customer account through the number request interface screen, the information receiving unit 1265 receives the information. The temporary account number request transmitted from the customer wireless terminal 1285 in association with the interface unit 1275 Characterized in that the receiving account information and password corresponding to the information, the customer's account.

According to another exemplary embodiment of the present invention, the interface providing unit 1270 connects to the customer wireless terminal 1285 with predetermined temporary account number request information and financial company information (or BIN information) in association with the interface unit 1275. And a number request interface screen including at least one user interface for inputting and transmitting a password corresponding to a customer account associated with the customer wireless terminal 1285 information, in the customer wireless terminal 1285. When the temporary account number request information, financial company information (or BIN information), and a password corresponding to a customer account associated with the customer wireless terminal 1285 information are input through the number request interface screen, the information receiving unit 1265 is transmitted. ) Is the temporary account number request information transmitted from the customer wireless terminal 1285 in association with the interface unit 1275 And a password corresponding to the customer account associated with the financial institution information (or BIN information) and the customer wireless terminal 1285 information.

According to another exemplary embodiment of the present invention, the interface providing unit 1270 connects to the customer wireless terminal 1285 with predetermined temporary account number request information and financial company information (or BIN information) in association with the interface unit 1275. It is desirable to provide a number request interface screen including at least one user interface for transmitting by inputting), and the temporary account number request information and financial company information (in the customer wireless terminal 1285 through the number request interface screen) Or BIN information), the information receiving unit 1265 transmits the temporary account number request information and financial company information (or BIN information) transmitted from the customer wireless terminal 1285 in association with the interface unit 1275. It is desirable to receive.

According to another exemplary embodiment of the present invention, when the customer wireless terminal 1285 is provided with a predetermined number request program having the number request interface, the interface provider 1270 sends the request to the customer wireless terminal 1285. Providing the number request interface screen may be omitted, and the present invention is not limited thereto.

Referring to FIG. 12, when the relay server 1250 receives at least one or more information from the customer wireless terminal 1285 through the information receiver 1265, the relay server 1250 is connected to the interface unit 1275 and the customer wireless. And an information confirming unit 1260 for confirming predetermined customer wireless terminal 1285 information corresponding to the terminal 1285.

When the account information corresponding to the customer account is received through the information receiving unit 1265 according to an embodiment of the present invention, the information checking unit 1260 extracts the BIN information included in the account information and extracts the extracted BIN information. The BIN information stored in the BIN information D / B 1280 may be compared to confirm predetermined financial company information to which the temporary account number request information is transmitted.

According to another exemplary embodiment of the present invention, when predetermined financial company information is received through the information receiving unit 1265, the information checking unit 1260 may transfer the received financial company information to the temporary account number request information. It is desirable to confirm with the information.

According to another exemplary embodiment of the present invention, when predetermined BIN information is received through the information receiving unit 1265, the information checking unit 1260 transmits the received BIN information to the BIN information D / B 1280. It is preferable to confirm the predetermined financial company information to transmit the temporary account number request information by comparing the stored BIN information.

Referring to FIG. 12, the relay server 1250 receives the temporary account number request information through the information receiving unit 1265, and transmits the information to the customer wireless terminal 1285 through the information checking unit 1260. When the financial company information is confirmed, the information transmitter 1255 for transmitting the temporary account number request information and the customer wireless terminal 1285 information to the predetermined financial company server 1200 corresponding to the confirmed financial company information through a predetermined communication network. It is characterized by comprising a).

According to another exemplary embodiment of the present invention, when the temporary account number request information and the account information and the password corresponding to the customer account are received through the information receiving unit 1205, the information transmitter 1235 requests the temporary account number. It is preferable to transmit the account information and password corresponding to the information and the customer account and the customer wireless terminal 1285 information to a predetermined financial company server 1200 corresponding to the confirmed financial company information.

According to another exemplary embodiment of the present invention, when the temporary account number request information and the password corresponding to the customer account are received through the information receiving unit 1205, the information transmitting unit 1235 is connected to the temporary account number request information. It is preferable to transmit the password corresponding to the customer account and the customer wireless terminal 1285 information to a predetermined financial company server 1200 corresponding to the confirmed financial company information.

Thereafter, the financial company server 1200 generates a predetermined temporary account number corresponding to the temporary account number request information, and transmits the generated temporary account number to the customer wireless terminal 1285. The temporary account number is transmitted to the customer wireless terminal 1285 through the relay server 1250 or the customer via a predetermined wireless communication network corresponding to the customer wireless terminal 1285 information from the financial institution server 1200. May be sent directly to the wireless terminal 1285.

When transmitting the temporary account number to the customer wireless terminal 1285 through the relay server 1250, the relay server 1250, the temporary account number and the customer from the financial company server 1200 through the communication network The mobile terminal 1285 receives information, and transmits the temporary account number to the customer wireless terminal 1285 through the interface unit 1275.

According to the present invention, after the relay server 1250 is provided with the temporary account number to the customer wireless terminal 1285, the payment wireless terminal 1290, the predetermined payment information and the temporary account through a predetermined wireless communication network. And an interface unit 1275 for connecting and managing a communication channel for transmitting and receiving a number.

The interface unit 1275 includes the payment wireless terminal 1290 and a predetermined communication channel (eg, payment wireless terminal 1290, a wireless communication network and a predetermined gateway) based on a protocol stack defined in the wireless communication network. A communication interface (eg, the payment wireless terminal 1290) for connecting and transmitting and receiving predetermined payment information and the temporary account number using a communication protocol defined in a browser program included in the payment wireless terminal 1290. It is preferable to provide a communication interface for connecting a communication channel by inputting a predetermined wireless access number, or a communication interface for connecting a communication channel via a predetermined wireless Internet connection.

For example, when the payment wireless terminal 1290 includes a browser program corresponding to a WAP (Wireless Application Protocol) and / or a Mobile Explorer (ME) protocol, the interface unit 1275 is based on the CDMA / WCDMA protocol. A predetermined web page (e.g., WML (Wireless Markup Language) compatible web page) for connecting a communication channel with the payment wireless terminal 1290 and using the WAP / ME protocol defined in the browser program. Or an HTML-compatible web page) to the payment wireless terminal 1290 or a communication interface for receiving predetermined payment information and the temporary account number transmitted from the payment wireless terminal 1290.

Or, if the payment wireless terminal 1290 is provided with a predetermined mobile payment program directly interworking with the relay server 1250, the interface unit 1275 is based on the CDMA / WCDMA protocol the payment wireless terminal ( 1290 and a communication channel, and provides a communication interface for receiving predetermined payment information and the temporary account number transmitted from the payment wireless terminal 1290 using a communication protocol defined in the browser program.

Referring to FIG. 12, when the relay server 1250 connects a predetermined communication channel through the interface unit 1275 in the payment wireless terminal 1290 and requests a mobile payment through the communication channel. An interface provider 1270 for providing a mobile payment interface screen including at least one user interface for inputting and transmitting predetermined payment information and the temporary account number to the payment wireless terminal 1290; 1275, an information receiving unit 1265 for receiving the payment information and the temporary account number transmitted from the payment wireless terminal 1290 is characterized in that it is made.

According to one embodiment of the present invention, the temporary account number preferably comprises predetermined BIN information.

According to one embodiment of the present invention, if the BIN information is not included in the temporary account number, the interface provider 1270 sends the payment information and the temporary account number to the payment wireless terminal 1290. And a mobile payment interface screen including at least one user interface for inputting and transmitting financial company information (or BIN information), wherein the information receiving unit 1265 is connected with the interface unit 1275 to provide the mobile payment interface screen. Preferably, the wireless terminal 1290 receives the payment information, the temporary account number, and financial company information (or BIN information).

Here, the payment information, it is preferable to include the predetermined payment amount information, it is preferable to further comprise the mobile affiliated store information according to the intention of the skilled person.

In addition, when at least one or more information is received from the payment wireless terminal 1290 through the information receiving unit 1265, the relay server 1250 is connected to the interface unit 1275 and the payment wireless terminal 1290. And an information confirming unit 1260 for confirming predetermined payment wireless terminal 1290 information.

According to an embodiment of the present invention, when the temporary account number includes predetermined BIN information, the information checking unit 1260 extracts the BIN information included in the temporary account number, and extracts the extracted BIN information and the The BIN information stored in the BIN information D / B 1280 may be compared to confirm predetermined financial company information for transmitting the payment information and the temporary account number.

According to another exemplary embodiment of the present invention, when predetermined financial company information is received through the information receiving unit 1265, the information checking unit 1260 converts the financial company information into financial company information to transmit the payment information and the temporary account number. Preferably, when the predetermined BIN information is received through the information receiving unit 1265, the information checking unit 1260 may determine the received BIN information and the BIN information stored in the BIN information D / B 1280. In comparison, it is preferable to confirm predetermined financial company information to transmit the payment information and the temporary account number.

In addition, the relay server 1250, the payment information and the temporary account number is received through the information receiving unit 1265, the payment wireless terminal 1290 information and financial company information through the information checking unit 1260 Is confirmed, an information transmitter 1255 for transmitting the payment information, the temporary account number, and the payment wireless terminal 1290 information to a predetermined financial company server 1200 corresponding to the confirmed financial company information. It features.

Thereafter, the financial company server 1200 is characterized in that the payment approval processing of the payment amount contained in the payment information by using a predetermined customer account associated with the temporary account number.

According to another embodiment of the present invention, a password corresponding to the customer account is transmitted in the process of transmitting the temporary account number request information from the customer wireless terminal 1285 to the financial institution server 1200 through the relay server 1250. If not together, the financial institution server 1200 receives the payment information from the relay server 1250, and then sends a wireless message including the payment information and a predetermined callback UE to the customer wireless terminal 1285. After transmission, it is possible to receive and authenticate a password corresponding to the customer account through the callback UEL.

In transmitting the wireless message to the customer wireless terminal 1285, the financial institution server 1200 makes the payment to the customer wireless terminal 1285 through a predetermined wireless communication network corresponding to the customer wireless terminal 1285 information. Preferably, the wireless message including information and a predetermined callback UEL is directly transmitted. In this case, the customer wireless terminal 1285 provides a password corresponding to the customer account to the financial institution server 1200 through the callback UEL. do.

Alternatively, the financial company server 1200 transmits a wireless message including the payment information and a predetermined callback UEL to the customer wireless terminal 1285 in association with the relay server 1250, in which case the customer The wireless terminal 1285 accesses the relay server 1250 through the callback UEL and provides the financial company server 1200 with a password corresponding to the customer account.

Referring to FIG. 12, the financial institution server 1200 may use the temporary account number request information and the account information corresponding to the temporary account number request information, the customer account, and the customer wireless terminal 1285 from the relay server 1250 through a predetermined communication network. And a validity checker 1210 for receiving information, and a validity checker 1210 for checking the validity of the received temporary account number request information and the customer wireless terminal 1285 information.

The information receiving unit 1265 receives the temporary account number request information, the account information corresponding to the temporary account number request information, the customer account, and the customer wireless terminal 1285 information from the relay server 1250 through a predetermined communication network. do.

When the temporary account number request information, the account information and password corresponding to the customer account, and the customer wireless terminal 1285 information are received through the information receiving unit 1205, the validity confirming unit 1210 receives the received account information. And the account information provided in the predetermined account information D / B (not shown) to confirm the validity of confirming that a customer account corresponding to the account information is opened in the financial institution and the mobile payment is possible. It features.

In addition, the validity check unit 1210 compares the received password with the password provided in the predetermined account information D / B (not shown) to check the validity of the password corresponding to the customer account, characterized in that .

In addition, the validity verification unit 1210 is characterized by checking whether the payment amount contained in the payment information can be processed through the balance deposited in the customer account.

Referring to FIG. 12, when a predetermined storage medium 1245 is stored in association with the customer wireless terminal 1285 information and account information corresponding to the customer account, the information receiving unit 1205 may store the information through the predetermined communication network. And receiving the temporary account number request information and the customer wireless terminal 1285 information from the relay server 1250, and the validity checking unit 1210 receives the received temporary account number request information and the customer wireless terminal. (1285) It is characterized by checking the validity of the information.

The information receiving unit 1265 may receive the temporary account number request information and the customer wireless terminal 1285 information from the relay server 1250 through a predetermined communication network. It is possible to further receive a password corresponding to the customer account associated with the terminal 1285 information.

When the temporary account number request information and the customer wireless terminal 1285 information are received through the information receiving unit 1205, the validity confirming unit 1210 is connected to the received storage medium 1245 and the customer wireless terminal. (1285) By checking the account information associated with the information, it is characterized in that the customer account corresponding to the account information is opened in the financial institution, and the validity of checking whether the mobile payment is possible.

When the information receiving unit 1205 further receives a password corresponding to the customer account associated with the customer wireless terminal 1285 information, the validity checking unit 1210 receives the received password and predetermined account information D / B. It is characterized by checking the validity of the password corresponding to the customer account by comparing the password provided in (not shown).

In addition, the validity verification unit 1210 is characterized by checking whether the payment amount contained in the payment information can be processed through the balance deposited in the customer account.

Referring to FIG. 12, the financial institution server 1200 may include a temporary account number generation unit 1215 for generating a predetermined temporary account number for a predetermined mobile payment processing, and the generated temporary account number in the customer account. An information storage unit 1220 for storing in a predetermined storage medium 1245 in association with the account information corresponding to the information, and an information transmission unit 1235 for transmitting the temporary account number information to the customer wireless terminal 1285. And a payment information receiver 1225 which receives predetermined payment information and the temporary account number from the relay server 1250 through a predetermined communication network, and the storage medium in association with the temporary account number. And a payment settlement processing unit 1230 that approves the payment corresponding to the payment information through the balance deposited in the customer account corresponding to the account information stored in 1245. It is done.

When the validity for generating the temporary account number is confirmed as a result of the verification by the validity confirming unit 1210, the temporary account number generation unit 1215 generates a predetermined temporary account number for a predetermined mobile payment processing. The information storage unit 1220 stores the generated temporary account number in a predetermined storage medium 1245 in association with the account information corresponding to the customer account.

According to one embodiment of the invention, the temporary account number preferably comprises a predetermined BIN information and a predetermined serial number (or authentication number), in this case, the customer provided with the temporary account number is the mobile payment It is preferable to provide the temporary account number to the payment wireless terminal 1290 for payment processing.

According to another exemplary embodiment of the present invention, the temporary account number preferably includes only a predetermined serial number (or authentication number). In this case, the customer who has been provided with the temporary account number provides for the mobile payment process. It is preferable to provide the temporary account number and financial company information (or BIN information) together with the payment wireless terminal 1290.

When a temporary temporary account number is generated by the temporary account number generation unit 1215, the information transmitter 1235 transmits predetermined temporary account number information including the temporary account number to the customer wireless terminal 1285. Characterized in that the transmission.

According to one embodiment of the invention, the information transmission unit 1255 preferably transmits the temporary account number and the customer wireless terminal 1285 information to the relay server 1250, corresponding to the relay server ( 1250 preferably transmits the temporary account number to the customer wireless terminal 1285 through a predetermined wireless communication network based on the customer wireless terminal 1285 information.

According to another exemplary embodiment of the present invention, directly transmitting the temporary account number to the customer wireless terminal 1285 through a predetermined wireless communication network based on the information transmitting unit 1255 customer wireless terminal 1285 information. It is possible, and the invention is not limited thereby.

The temporary account number transmitted to the customer wireless terminal 1285 is input through the pre-payment wireless terminal 1290 and the predetermined server through the wireless communication network together with predetermined payment information (eg, payment amount information, mobile affiliate information). 1250, the relay server 1250 transmits the payment information and the temporary account number to the financial institution server 1200 through a predetermined communication network, and the payment information receiver 1225 receives the communication information through the communication network. Characterized in that for receiving the payment information and the temporary account number from the relay server 1250.

When the payment information and the temporary account number are received through the payment information receiver 1225, the payment processing unit 1230 compares the received temporary account number with the temporary account number stored in the storage medium 1245. Characterized by checking the validity of the temporary account number.

If the validity of the temporary account number is verified, the payment processing unit 1230 withdraws the payment amount included in the payment information from the amount deposited in the customer account and is provided to the mobile affiliated store D / B 1240. It is characterized in that the deposit by transferring to the deposited account.

Thereafter, the information transmitter 1235 transmits the predetermined payment history information approved by the payment processing unit 1230 to the customer wireless terminal 1285 and the payment wireless terminal 1290.

13 is a diagram illustrating a temporary account number request process for mobile payment processing using a wireless terminal according to an embodiment of the present invention.

More specifically, FIG. 13 illustrates a process in which a predetermined customer requests a predetermined temporary account number to the financial institution server 1200 through a predetermined relay server 1250 using a predetermined customer wireless terminal 1285. Specifically, the method of transmitting to the financial institution server 1200 further includes predetermined account information and a password in the temporary account number request information in the customer wireless terminal 1285.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 13 to infer various implementation methods for the temporary account number request process for mobile payment processing using the wireless terminal. As will be appreciated, the present invention includes all implementation methods inferred, and the technical features are not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 13, the client wireless terminal 1285 transmits predetermined temporary account number request information to the financial institution server 1200 through the relay server 1250. Although it is described as including the account information and password further, it will be apparent that the present invention is not limited thereby.

For example, in FIG. 13, when the customer wireless terminal 1285 information and predetermined account information are stored in association with the financial company server 1200, the account information transmitted together with the temporary account number request information may be a predetermined financial company. Information (or BIN information), and when the temporary account number request process and the password authentication are performed separately, the password transmitted together with the temporary account number request information is sent through a separate customer approval process. It may be performed.

Referring to FIG. 13, the customer wireless terminal 1285 connects to the relay server 1250 through a predetermined wireless communication network and requests the relay server 1250 to provide a predetermined number request interface (1300). In response, the relay server 1250 generates (or extracts) a number request interface including a predetermined temporary account number request information, a user interface for inputting account information and a password, and generates the number request interface through the wireless communication network. (1285).

According to another embodiment of the present invention, if the customer wireless terminal 1285 is provided with a predetermined number request program having the number request interface, the number request interface providing process is provided in the customer wireless terminal 1285. It can be replaced by the process of executing the number request program, whereby the present invention is not limited.

Thereafter, the customer wireless terminal 1285 inputs predetermined temporary account number request information, account information, and a password through the number request interface (1310).

Here, the account information preferably includes an account number including at least one of a predetermined point number, a subject, a serial number, and a verification number, and bank code information on which the customer account is opened.

If predetermined temporary account number request information, account information and password are input through the number request interface (1315), the customer wireless terminal 1285 transmits the temporary account number request information, account information and password through the wireless communication network. Transmits to the relay server 1250 (1320), and in response, the relay server 1250 checks the customer wireless terminal 1285 information, and confirms predetermined financial company information corresponding to the account information ( 1325).

According to an exemplary embodiment of the present invention, the customer wireless terminal 1285 information is preferably checked based on a communication protocol defined in the wireless communication network, and the relay server 1250 is connected to the wireless communication network according to the intention of a person skilled in the art. It is possible to confirm the customer wireless terminal 1285 information in connection with a predetermined subscriber D / B.

Further, the financial company information corresponds to the account information by comparing the BIN information included in the account information with the BIN information included in the BIN information D / B 1280 shown in FIG. 12 in the relay server 1250. It is advisable to check financial company information.

Thereafter, the relay server 1250 transmits the temporary account number request information, the account information, the password, and the customer wireless terminal 1285 information to the financial company server 1200 corresponding to the identified financial company information through a predetermined communication network. In operation 1330, the financial institution server 1200 verifies the validity of the account information (1335).

According to the implementation method of the present invention, the financial company server 1200 is associated with the predetermined account information D / B (not shown) for storing the account information opened in the financial institution is a customer account corresponding to the account information It is preferable to confirm the validity of the account information by opening a financial institution and confirming that the mobile payment is possible.

If the validity of the account information is not confirmed (1340), the financial institution server 1200 generates predetermined mobile payment error information and transmits the predetermined mobile payment error information to the customer wireless terminal 1285 through the relay server 1250 ( 1345).

On the other hand, if the validity of the account information is confirmed (1340), the financial institution server 1200 checks the validity of the password (1350).

If the validity of the password is not verified (1355), the financial institution server 1200 generates predetermined mobile payment error information and transmits the predetermined mobile payment error information to the customer wireless terminal 1285 through the relay server 1250 (1345). ).

On the other hand, if the validity of the password is confirmed (1355), the financial institution server 1200 generates a temporary account number corresponding to the account information and performs the process of transmitting to the customer wireless terminal 1285.

According to another embodiment of the present invention, when the password is omitted, the financial institution server 1200 may check the validity of the password through a separate customer approval procedure, and thus the present invention is not limited thereto.

14 is a diagram illustrating a temporary account number request process for mobile payment processing using a wireless terminal according to another embodiment of the present invention.

More specifically, FIG. 14 illustrates a process in which a predetermined customer requests a predetermined temporary account number to the financial institution server 1200 through a predetermined relay server 1250 using a predetermined customer wireless terminal 1285. Specifically, when the financial company server 1200 is provided in connection with predetermined account information and the customer wireless terminal 1285 information, the predetermined financial company information in the temporary account number request information in the customer wireless terminal 1285 It illustrates an implementation method of transmitting to the financial institution server 1200 further including (or BIN information) and a password.

Those skilled in the art to which the present invention pertains can refer to and / or modify this drawing 14 to infer various implementation methods for the temporary account number request process for mobile payment processing using the wireless terminal. As will be appreciated, the present invention includes all implementation methods inferred, and the technical features are not limited to the implementation method illustrated in FIG.

Hereinafter, in FIG. 14, the client wireless terminal 1285 transmits predetermined temporary account number request information to the financial institution server 1200 through the relay server 1250. Although described as including a password further, it will be apparent that the present invention is by no means limited thereto.

For example, when the temporary account number request process and the password authentication are separately performed in FIG. 14, the password transmitted together with the temporary account number request information may be performed through a separate customer approval process.

Referring to FIG. 14, the customer wireless terminal 1285 connects to the relay server 1250 through a predetermined wireless communication network and requests the relay server 1250 to provide a predetermined number request interface (1400). In response, the relay server 1250 generates (or extracts) a number request interface including a user interface for inputting predetermined temporary account number request information, financial company information (or BIN information), and a password to establish the wireless communication network. Provided to the customer wireless terminal 1285 through (1405).

According to another embodiment of the present invention, if the customer wireless terminal 1285 is provided with a predetermined number request program having the number request interface, the number request interface providing process is provided in the customer wireless terminal 1285. It can be replaced by the process of executing the number request program, whereby the present invention is not limited.

Thereafter, the customer wireless terminal 1285 inputs predetermined temporary account number request information, financial company information (or BIN information), and a password through the number request interface (1410).

If predetermined temporary account number request information, financial company information (or BIN information), and password are input through the number request interface (1415), the customer wireless terminal 1285 receives the temporary account number request information through the wireless communication network. And the financial company information (or BIN information) and the password are transmitted to the relay server 1250 (1420), and in response, the relay server 1250 checks the customer wireless terminal 1285 information and the financial company information. The temporary account number request information is confirmed as financial company information to be relayed, or predetermined financial company information corresponding to the BIN information is confirmed (1425).

According to an exemplary embodiment of the present invention, the customer wireless terminal 1285 information is preferably checked based on a communication protocol defined in the wireless communication network, and the relay server 1250 is connected to the wireless communication network according to the intention of a person skilled in the art. It is possible to confirm the customer wireless terminal 1285 information in connection with a predetermined subscriber D / B.

Subsequently, the relay server 1250 is a financial company server 1200 corresponding to the identified financial company information through a predetermined communication network. The temporary account number request information, financial company information (or BIN information), a password, and a customer wireless terminal 1285 are provided. Information (1430), and correspondingly, the financial institution server 1200 confirms predetermined account information associated with the customer wireless terminal 1285 information and confirms validity of the confirmed account information ( 1435).

According to an embodiment of the present invention, the financial institution server 1200 checks predetermined account information associated with the customer wireless terminal 1285 information, and stores predetermined account information D / B (not shown) for storing the account information. It is preferable to confirm the validity of the account information by confirming that a customer account corresponding to the account information is opened in the financial institution and that the mobile payment is possible.

If the validity of the account information is not confirmed (1440), the financial institution server 1200 generates predetermined mobile payment error information and transmits the predetermined mobile payment error information to the customer wireless terminal 1285 through the relay server 1250 ( 1445).

On the other hand, if the validity of the account information is confirmed (1440), the financial institution server 1200 checks the validity of the password (1450).

If the validity of the password is not confirmed (1455), the financial institution server 1200 generates predetermined mobile payment error information and transmits the predetermined mobile payment error information to the customer wireless terminal 1285 through the relay server 1250 (1445). ).

On the other hand, if the validity of the password is confirmed (1455), the financial institution server 1200 generates a temporary account number corresponding to the account information and performs the process of transmitting to the customer wireless terminal 1285.

According to another embodiment of the present invention, when the password is omitted, the financial institution server 1200 may check the validity of the password through a separate customer approval procedure, and thus the present invention is not limited thereto.

15 is a diagram illustrating a customer approval process for mobile payment processing using a wireless terminal according to an embodiment of the present invention.

In more detail, FIG. 15 illustrates a case in which the password is not provided to the financial institution server 1200 in the temporary account number request process shown in FIG. 13 or FIG. 14. By confirming the validity of the password for the account information in connection with the customer wireless terminal 1285 through the relay server 1250, the process for confirming the customer approval for the mobile payment processing, the present invention Those skilled in the art will be able to infer various implementation methods for the customer approval process for the mobile payment processing using the wireless terminal by referring to and / or modifying the drawing 15. Is made including all the inferred implementation methods, the technical features are not limited only to the implementation method shown in FIG. Should you.

Referring to FIG. 15, when the password is not provided to the financial institution server 1200 in the process of requesting the temporary account number shown in FIG. 13 or 14, the financial institution server 1200 may identify the mobile payment server before approval of the mobile payment. A time point (eg, before or after the temporary account number is transmitted from the financial institution server 1200 to the customer wireless terminal 1285 or from the payment wireless terminal 1290 at the financial institution server 1200). After receiving the account number) and transmits the customer wireless terminal 1285 information and the predetermined customer approval request message information to the relay server 1250 (1500), and in response to the relay server 1250 is the customer Generates a predetermined wireless message including the authorization request message information and the callback UEL for password transmission (1505), and corresponds to the information of the customer wireless terminal 1285 through the wireless communication network; And it transmits the wireless message to the wireless terminal (1285) 1510.

Upon receiving the wireless message, the customer wireless terminal 1285 outputs the customer approval request message information and requests a password transmission for customer approval for the mobile payment processing through the callback UEL (eg, callback UEL access). (1515).

If it is confirmed that the request for the password transmission for the customer approval for the mobile payment processing (1520), the customer wireless terminal 1285 is connected to the relay server 1250 corresponding to the callback UEL through the wireless communication network Request a predetermined password transmission (1525), and correspondingly, the relay server 1250 provides a number transmission interface for inputting and transmitting a predetermined password to the customer wireless terminal 1285 through the wireless communication network ( 1530).

Thereafter, the customer wireless terminal 1285 inputs a predetermined password through the number transmission interface (1535).

If a predetermined password is input through the number transmission interface (1540), the customer wireless terminal 1285 transmits the password to the relay server 1250 via the wireless communication network (1545), and correspondingly The relay server 1250 relays the password to the financial institution server 1200 (1550), and the financial institution server 1200 checks the validity of the password (1555).

According to an embodiment of the present invention, the financial company server 1200 compares the received password with a password stored in association with the account information in predetermined account information D / B (not shown), thereby validating the password. It is desirable to check.

If the validity of the password is not confirmed (1560), the financial institution server 1200 generates predetermined mobile payment error information and transmits the predetermined mobile payment error information to the customer wireless terminal 1285 through the relay server 1250 (1565). ).

On the other hand, if the validity of the password is confirmed (1560), the financial institution server 1200 generates a predetermined authentication information and transmits to the customer wireless terminal 1285.

16 is a diagram illustrating a customer approval process for mobile payment settlement processing using a wireless terminal according to another embodiment of the present invention.

In more detail, FIG. 16 illustrates that the customer wireless terminal 1285 is connected to the financial institution server 1200 when the password is not provided to the financial institution server 1200 during the temporary account number request process shown in FIG. 13 or 14. By confirming the validity of the password for the account information in connection with the customer wireless terminal 1285 through a wireless communication network connected to), and the process for confirming the customer approval for the mobile payment processing, the present invention Those skilled in the art may refer to and / or modify this drawing 16 to infer various implementation methods for the customer approval process for mobile payment processing using the wireless terminal. The present invention includes all the inferred implementation methods, and the technical features are only shown by the implementation method shown in FIG. It is not limited.

Referring to FIG. 16, when the password is not provided to the financial institution server 1200 in the process of requesting the temporary account number shown in FIG. 13 or 14, the financial institution server 1200 may identify the mobile payment server before approval of the mobile payment. A time point (eg, before or after the temporary account number is transmitted from the financial institution server 1200 to the customer wireless terminal 1285 or from the payment wireless terminal 1290 at the financial institution server 1200). After receiving the account number) generates a predetermined wireless message including the predetermined customer approval request message information and the callback UEL for password transmission (1600), and establishes a wireless communication network corresponding to the customer wireless terminal (1285) information. The wireless message is transmitted to the customer wireless terminal 1285 (1605).

Upon receiving the wireless message, the customer wireless terminal 1285 outputs the customer approval request message information and requests a password transmission for customer approval for the mobile payment processing through the callback UEL (eg, callback UEL access). (1610).

If it is confirmed that the request for the transmission of the password for the customer approval for the mobile payment processing (1615), the customer wireless terminal 1285 accesses the financial company server 1200 corresponding to the callback UEL through the wireless communication network In response to the request for transmission of a predetermined password (1620), the financial institution server 1200 provides a number transmission interface for inputting and transmitting a predetermined password to the customer wireless terminal 1285 through the wireless communication network ( 1625).

Thereafter, the customer wireless terminal 1285 inputs a predetermined password through the number transmission interface (1630).

If a predetermined password is input through the number transmission interface (1635), the customer wireless terminal 1285 transmits the password to the financial company server 1200 through the wireless communication network (1640) and correspondingly The financial institution server 1200 verifies the validity of the password (1645).

According to an embodiment of the present invention, the financial company server 1200 compares the received password with a password stored in association with the account information in predetermined account information D / B (not shown), thereby validating the password. It is desirable to check.

If the validity of the password is not verified (1650), the financial institution server 1200 generates predetermined mobile payment error information and transmits the predetermined mobile payment error information to the customer wireless terminal 1285 through the relay server 1250 (1655). ).

On the other hand, if the validity of the password is confirmed (1650), the financial institution server 1200 generates a predetermined authentication information and transmits to the customer wireless terminal 1285.

17 is a diagram illustrating a process of generating a temporary account number and transmitting the temporary account number to the customer wireless terminal 1285 for the mobile payment processing using the wireless terminal according to the embodiment of the present invention.

In more detail, FIG. 17 illustrates the financial institution server 1200 after performing the temporary account number request process shown in FIG. 13 or FIG. 14 (or further performing the customer approval process shown in FIG. 15 or FIG. 16). In the process of generating a predetermined temporary account number corresponding to the account information to the customer wireless terminal 1285, if the person having ordinary knowledge in the technical field to which the present invention belongs, see FIG. And / or modified to infer various implementation methods for the process of generating a temporary account number for the mobile payment processing using the wireless terminal to transmit to the customer wireless terminal 1285, the present invention is inferred It is made including all implementation methods, the technical features are not limited only to the implementation method shown in FIG.

In FIG. 17, the financial company server 1200 transmits the temporary account number to the customer wireless terminal 1285 through the relay server 1250, but the present invention is limited thereto. Never, the temporary account number may be transmitted directly from the financial institution server 1200 to the customer wireless terminal 1285 via a predetermined wireless communication network.

Referring to FIG. 17, after performing the customer approval process illustrated in FIG. 15 or FIG. 16, the financial institution server 1200 generates a predetermined temporary account number corresponding to the account information (1700).

Here, the temporary account number is preferably made of at least one number, letters, symbols that can be input through the key input function provided in the payment wireless terminal 1290.

If the temporary account number is generated (1705), the financial institution server 1200 stores the private interest account number in the storage medium 1245 in association with the account information (1710) and the relay server 1250. The customer wireless terminal 1285 information and the temporary account number are transmitted (1715), and correspondingly, the relay server 1250 is connected to the customer wireless terminal for requesting the temporary account number (for example, the temporary account number). The temporary account number is transmitted to the customer wireless terminal 1285 (via a communication channel associated with 1285) (1720).

According to an embodiment of the present invention, the temporary account number transmitted to the customer wireless terminal 1285 is inputted through the payment wireless terminal 1290 through the payment approval process shown in FIGS. 18A and 18B. Received to the server 1200, the financial institution server 1200 preferably compares the received temporary account number and the stored temporary account number to approve the mobile payment.

18A and 18B illustrate a payment approval process for mobile payment processing using a wireless terminal according to an embodiment of the present invention.

In more detail, Figures 18a and 18b are shown in Figure 17 after performing the temporary account number request process shown in Figure 13 or Figure 14 (or further performing the customer approval process shown in Figure 15 or Figure 16). After the predetermined temporary account number is received by the customer wireless terminal 1285 through the illustrated temporary account number transmission and reception process, the temporary server number and payment information are input by the payment wireless terminal 1290 and the relay server 1250. When transmitting to the financial company server 1200 through the), the financial company server 1200 for the process of the approval process for the mobile payment using the wireless terminal through the validation of the temporary account number, the present invention Those skilled in the art may refer to and / or modify the drawings 18a and 18b to approve payment for mobile payment processing using the wireless terminal. Would be able to infer a variety of exemplary methods for the re-process, the invention is made, including any exemplary way in which the inference, to which the technical feature that is not limited to the exemplary method shown in the figure 18a and figure 18b.

Referring to FIGS. 18A and 18B, the payment wireless terminal 1290 accesses the relay server 1250 through a predetermined wireless communication network and requests the relay server 1250 to provide a predetermined mobile payment interface. In response to this, the relay server 1250 generates (or extracts) a mobile payment interface including a user interface for inputting a predetermined temporary account number and payment information, and generates the mobile payment interface through the wireless communication network. 1290).

According to another exemplary embodiment of the present invention, when a predetermined mobile payment program having the mobile payment interface is provided in the payment wireless terminal 1290, the mobile payment interface providing process is provided in the payment wireless terminal 1290. It may be replaced by a process of executing a mobile payment program, whereby the present invention is not limited.

Thereafter, the payment wireless terminal 1290 inputs predetermined payment information and a temporary account number through the mobile payment interface (1810).

Here, the payment information, it is preferable to include the predetermined payment amount information, it is preferable to further comprise the mobile affiliated store information according to the intention of the skilled person.

Preferably, the temporary account number includes predetermined BIN information and a predetermined serial number (or authentication number). When the BIN information is omitted in the temporary account number according to the intention of a person skilled in the art, the mobile payment interface Preferably further comprises a user interface for inputting predetermined financial institution information (or BIN information).

If a predetermined temporary account number and payment information are input through the mobile payment interface (1815), the payment wireless terminal 1290 sends the temporary account number and payment information to the relay server 1250 through the wireless communication network. In operation 1820, the relay server 1250 confirms the payment wireless terminal 1290 information and confirms predetermined financial company information corresponding to the temporary account number (1825).

According to the exemplary embodiment of the present invention, the payment wireless terminal 1290 information is preferably confirmed based on a communication protocol defined in the wireless communication network, and the relay server 1250 is connected to the wireless communication network according to the intention of a person skilled in the art. It is possible to confirm the payment wireless terminal 1290 information in connection with a predetermined subscriber D / B.

Further, the financial company information is compared to the temporary account number by comparing the BIN information included in the temporary account number with the BIN information included in the BIN information D / B 1280 shown in FIG. 12 in the relay server 1250. It is desirable to confirm the corresponding financial company information.

Thereafter, the relay server 1250 transmits the temporary account number, payment information, and payment wireless terminal 1290 information to the financial company server 1200 corresponding to the identified financial company information through a predetermined communication network (1830). In response, the financial institution server 1200 confirms the validity of the payment wireless terminal 1290 information in connection with the mobile affiliated store D / B 1240 (1835).

According to an exemplary embodiment of the present invention, the financial institution server 1200 checks whether the payment wireless terminal 1290 information is provided in the mobile affiliated store D / B 1240, and thus the payment wireless terminal 1290 information. It is desirable to check the validity.

If the validity of the payment wireless terminal 1290 information is not confirmed (1840), the financial institution server 1200 generates a predetermined mobile payment error information and transmits the payment wireless terminal 1290 through the relay server 1250. (1845).

On the other hand, when the validity of the payment wireless terminal 1290 information is confirmed (1840), the financial institution server 1200 compares the received temporary account number with the temporary account number stored in the storage medium 1245 and the mobile payment. The payment validity of the payment processing is checked (1850).

If the payment validity for the mobile payment processing is not confirmed (1855), the financial institution server 1200 generates predetermined mobile payment error information to the payment wireless terminal 1290 through the relay server 1250. Transmit (1845).

On the other hand, when the validity of the payment for the mobile payment processing is confirmed (1855), the financial institution server 1200 withdraws the payment amount included in the payment information from the amount deposited in the customer account corresponding to the account information. The payment processing for transferring to the deposit account provided in the mobile affiliated store D / B 1240 is processed (1860).

If the payment amount is transferred from the customer account to the deposit account (1865), the financial institution server 1200 generates a predetermined mobile payment approval information to the payment wireless terminal 1290 through the relay server 1250 To the server (1870).

According to the present invention, a predetermined agency driving company, a courier company, a door-to-door sales company, etc. are registered as a predetermined mobile affiliated store, and the above-mentioned wireless terminal possessed by an agent, a courier driver, a door-to-door sales staff, etc. of the mobile affiliated store is recalled. By registering as a payment wireless terminal for a mobile affiliate, there is an advantage of conveniently and simply processing the electronic payment payment at each site of the mobile affiliate through the payment wireless terminal without a separate payment terminal.

Claims (4)

Registering at least one employee mobile phone in a mobile affiliate store as a payment mobile phone, storing information in the mobile affiliate store D / B in association with the mobile affiliate store information, the payment mobile phone information and the deposit account information in an information registration unit; Receiving account information corresponding to the customer account from the mobile phone and transmitting the account information through the relay server, and receiving the account information from the information receiving unit; Confirming validity of a customer account corresponding to the account information in the validity checking means; If the validity is confirmed, generating a temporary account number associated with the account information in the temporary account number generation means; Transmitting the temporary account number information from the information transmitting means to the customer mobile phone; Receiving the payment amount information, the temporary account number and the payment mobile phone information by the payment information receiving means when the payment information is inputted through the relay server by inputting the payment amount information and the temporary account number; And The payment processing means authenticates the validity of the payment mobile phone information in association with the mobile affiliated store D / B, authenticates the received temporary account number validity, and from the customer account corresponding to the account information associated with the temporary account number. And withdrawing the payment amount and transferring it to the deposit account. The method of claim 1, Receiving and authenticating a password corresponding to the customer account from the customer mobile phone in the validity checking means further comprises a mobile merchant payment processing method using a temporary card number. A recording medium which records a program for realizing the method of claim 1. Mobile affiliate store D / B for storing mobile merchant information and payment mobile phone information and deposit account information in association; Information receiving means for receiving the account information when the account information corresponding to the customer account is input from the mobile phone and transmitted through the relay server; Validity confirming means for confirming validity of a customer account corresponding to the account information; Temporary account number generation means for generating a temporary account number associated with the account information when the validity is confirmed; Information transmitting means for transmitting the temporary account number information to the customer mobile phone; Payment information receiving means for receiving the payment amount information, the temporary account number and the payment mobile phone information when the payment information is inputted through the relay server by inputting payment amount information and the temporary account number; And Authenticate the validity of the payment mobile phone information in association with the mobile affiliated store D / B, authenticate the validity of the received temporary account number, and withdraw the payment amount from a customer account corresponding to the account information associated with the temporary account number; Mobile payment processing system using a temporary card number, characterized in that it comprises a; payment settlement processing means for transferring to the deposit account.

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