KR20090080021A - System for Card Payment by Using Staff Mobile Authentication - Google Patents

Abstract

A card payment system through employees' mobile phone authentication is provided to register employees' wireless terminals as card payment wireless terminals through customer wireless terminal authentication, thereby conveniently and simply processing electronic payment settlement in each sales/business field through the employees' wireless terminals. An information registering unit associates customer mobile phone information with a customer's card information, and stores the associated information in a DB. Mobile phone information of a member shop employee is associated with intrinsic terminal information of a member shop terminal equipped in a member shop, and the associated information is stored in the DB. An information receiver(115) receives payment information and the customer's card information from a mobile phone of the member shop employee. An availability confirming unit(120) confirms information on the mobile phone that sends the card information and the payment information.

Description

Card payment system using employee mobile authentication {System for Card Payment by Using Staff Mobile Authentication}

1 is a diagram illustrating a customer wireless terminal information registration system for card payment processing through customer wireless terminal authentication according to an embodiment of the present invention.

2 is a diagram illustrating a process of registering customer wireless terminal registration information in a face-to-face manner according to an embodiment of the present invention.

3 is a diagram illustrating a customer wireless terminal information registration system for card payment processing through customer wireless terminal authentication according to another embodiment of the present invention.

4 is a diagram illustrating a process of registering customer wireless terminal registration information in a non-face-to-face manner for card payment processing through customer wireless terminal authentication according to an embodiment of the present invention.

5 is a diagram illustrating a merchant information registration system for card payment processing through customer wireless terminal authentication according to an embodiment of the present invention.

6 is a diagram illustrating a process of registering merchant registration information for customer wireless terminal authentication payment in a face-to-face manner according to an embodiment of the present invention.

7 is a diagram illustrating a merchant information registration system for card payment processing through customer wireless terminal authentication according to another embodiment of the present invention.

8 is a diagram illustrating a process of registering merchant registration information for customer wireless terminal authentication payment in a non-face-to-face manner for card payment processing through customer wireless terminal authentication according to one embodiment of the present invention.

9 is a diagram illustrating a card payment system configuration through customer wireless terminal authentication according to an embodiment of the present invention.

10 is a diagram illustrating a card information transmission and reception process for card payment processing through customer wireless terminal authentication according to an embodiment of the present invention.

11 is a diagram illustrating a card information transmission and reception process for card payment processing through customer wireless terminal authentication according to another embodiment of the present invention.

12 is a diagram illustrating a process of generating authentication information for card payment processing through customer wireless terminal authentication and transmitting to the customer wireless terminal according to an embodiment of the present invention.

13 is a diagram illustrating a payment approval process for card payment processing through customer wireless terminal authentication according to an embodiment of the present invention.

14 is a diagram illustrating a payment approval process for card payment processing through customer wireless terminal authentication according to another 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: customer card information D / B 135: information registration terminal

The present invention is stored in the database (1) by linking the customer mobile phone information and the customer's card information, the database (2) by linking the mobile phone information of the merchant employee and the terminal-specific information (or merchant information) of the merchant terminal provided in the merchant Information registration means for storing the information, the information receiving means for receiving the card information and payment amount information of the customer from the mobile phone of the merchant employee, the mobile phone information for transmitting the card information and payment amount information, the database (2) Validation means for confirming whether the mobile phone information is the mobile phone information of the affiliated employee through the), and if the mobile phone is confirmed as the mobile phone of the affiliated employee, the authentication information generated corresponding to the card information, the customer mobile phone connected to the card information Information transmission means for transmitting to the authentication information from the mobile phone of the merchant employee When received, the authentication information transmitted to the customer's mobile phone and the authentication information received from the mobile phone of the affiliated employee is matched and matched, the card information received from the mobile phone of the affiliated employee and the mobile phone information of the employee are linked to the database ( It relates to a card payment system through the authentication of the employee mobile phone having a payment approval processing means for processing the payment approval for the payment amount through the terminal-specific information (or merchant information) stored in 2).

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 the problem that is not activated because of the reluctance to carry the portable payment terminal.

An object of the present invention for solving the above problems, by linking the customer mobile phone information and the customer's card information is stored in the database (1), the mobile phone information of the merchant employee and the terminal specific information of the merchant terminal provided in the affiliated store (or affiliated store) Information registration means for storing in the database (2) in association with the information), information receiving means for receiving the card information and payment amount information of the customer from the mobile phone of the merchant employee, and transmitting the card information and payment amount information Validation means for checking the mobile phone information, and confirming whether the mobile phone information is the mobile phone information of the affiliated employee through the database (2), and if the mobile phone is confirmed as the mobile phone of the affiliated employee, generated in response to the card information Information transmission means for transmitting the authentication information to the customer mobile phone connected to the card information and the affiliated store When the authentication information is received from the employee's mobile phone, the authentication information transmitted to the customer's mobile phone is compared with the authentication information received from the mobile phone of the affiliated employee, and when matched, the card information received from the mobile phone of the affiliated employee and the employee's mobile phone. To provide a card payment system through the employee mobile phone authentication having a payment approval processing means for processing the payment approval for the payment amount through the terminal-specific information (or merchant information) stored in the database (2) in connection with the mobile phone information have.

The card payment system through the authentication of the employee mobile phone according to the present invention, by linking the customer mobile phone information and the customer's card information is stored in the database (1), the mobile phone information of the merchant employee and the terminal specific information of the merchant terminal provided in the merchant ( Or information registration means for storing in the database 2 in association with merchant information, information receiving means for receiving card information and payment amount information of a customer from a mobile phone of the merchant employee, and transmitting the card information and payment amount information. Validation means for confirming the mobile phone information, and confirming whether the mobile phone information is the mobile phone information of the affiliated employee through the database (2), and if the mobile phone is confirmed as the mobile phone of the affiliated employee, generated in response to the card information Information transmission means for transmitting the received authentication information to the customer mobile phone connected to the card information; When the authentication information is received from the mobile phone of the affiliated employee, the authentication information transmitted to the customer mobile phone is compared with the authentication information received from the mobile phone of the affiliated employee, and when matched, the card information received from the mobile phone of the affiliated employee and the It is characterized in that it comprises a payment approval processing means for processing the payment approval for the payment amount through the terminal-specific information (or merchant information) stored in the database (2) in connection with the employee's mobile phone information.

According to the present invention, the validity check means, by comparing the card information received from the mobile phone of the merchant employee and the card information of the customer stored in the database (1) the card information is the card payment using the mobile phone of the merchant employee It is characterized by further checking whether the card information is possible.

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. In addition, terms to be described below are terms defined in consideration of functions in the present invention, which may vary according to intentions or customs of users and operators. Therefore, the definition should be made based on the contents throughout the present invention.

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

In addition, the following examples will be used to appropriately modify, integrate, or separate the terminology so that those skilled in the art to which the present invention pertains may clearly understand the present invention. 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 a customer wireless terminal information registration system for card payment processing through customer wireless terminal authentication according to an embodiment of the present invention.

In more detail, Figure 1 is a predetermined customer through the predetermined information registration interface to the customer wireless terminal information registration system for the customer wireless terminal information and the card through the customer wireless terminal authentication for card payment processing through the customer wireless terminal authentication When the customer wireless terminal registration information including at least one card information for payment is provided, the customer wireless terminal information and the customer wireless terminal authentication included in the provided customer wireless terminal registration information are provided by the customer wireless terminal information registration system. As a system configuration for linking and processing card information for card payment through the predetermined customer card information D / B (130), if one of ordinary skill in the art to which the present invention belongs, Customer's wireless terminal for card payment processing through customer's wireless terminal authentication by referring to and / or modified Various implementation methods for the configuration of the information registration system may be inferred, but the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

Hereinafter, at least one or more for storing customer wireless terminal registration information provided from the customer in the customer card information D / B 130 through a predetermined information registration interface on the customer wireless terminal information registration system shown in FIG. Information registration means including components corresponding to the means and / or functional configuration is referred to as " information registration server 100 " for convenience.

Referring to FIG. 1 according to the embodiment of the present invention, the customer wireless terminal information registration system for card payment processing through the customer wireless terminal authentication, at least one information registration authority (for example, card company, bansa, customer registration affiliate company Etc.) and an information registration terminal 135 including an employee terminal provided at a branch, wherein the information registration terminal 135 is provided on the customer wireless terminal information registration system through a predetermined communication network. The communication channel is connected to the information registration server 100.

According to one embodiment of the present invention, the customer visits the information registration agency (eg, card company, bansa, customer registration affiliate, etc.) for the card payment processing through the customer wireless terminal authentication, the information registration agency sales office A form for filling in at least one information item for a card payment processing (eg, through a customer wireless terminal authentication) for a card payment processing through a customer wireless terminal authentication through a window provided in (or through an employee) And the submitted application to the employee, the employee inputs (or selects) the information entered in the application through a predetermined employee terminal, and the employee terminal inputs (or selects) the information. ) To transmit the information to the information registration server 100 provided on the customer wireless terminal information registration system through the communication network. Is recommended.

In the customer wireless terminal information registration system as described above, an application written by the customer, an employee terminal used by the employee, and a communication network connecting the employee terminal and the information registration server 100 are the customer wireless terminal. It performs a function of an information registration interface for registering customer wireless terminal registration information for card payment processing through authentication.

The customer card information D / B 130 provided on the customer wireless terminal information registration system according to the present invention includes the customer wireless terminal information included in the customer wireless terminal registration information provided from the information registration terminal 135. The customer information stored in the customer card information D / B (130), characterized in that the card information for the card payment through the customer wireless terminal authentication to process the connection and store in the customer card information D / B (130), Customer wireless terminal registration information including at least one of wireless terminal information and card information for card payment through the customer wireless terminal authentication is used for card payment processing through the customer wireless terminal authentication.

Preferably, the customer wireless terminal information includes at least one wireless terminal telephone number (or unique information) corresponding to a wireless terminal possessed by a customer registering card information for card payment through authentication of the customer wireless terminal. In accordance with the intention of the person skilled in the art, it is preferable that the customer radio terminal further includes wireless network information (for example, wireless carrier information) subscribed to.

The card information for the card payment through the customer wireless terminal authentication is preferably made of at least one credit card information, check card information issued to the customer from a predetermined card company, predetermined BIN (Bank Identification Number) information It is preferably made to include a 16-digit card number and the expiration date information, including.

The information registration server 100 provided on the customer wireless terminal information registration system according to the present invention is a generic term for components of the customer wireless terminal information registration system side connected to the information registration terminal 135 through a predetermined communication network. It may be implemented by including at least one server (or device), and / or by at least one program recorded on a recording medium provided in a predetermined server (or device), the present invention is not limited thereto. No.

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 customer wireless terminal registration information to the information registration terminal 135. Receiving predetermined customer wireless terminal registration information to be input (or selected) and transmitted from the information registration terminal 135 through the user interface in conjunction with the interface providing unit 110 and the interface unit 105 to provide An information receiving unit 115, a validity confirming unit 120 for checking the validity of the received customer wireless terminal registration information, and the customer included in the confirmed customer wireless terminal registration information And an information storage unit 125 for linking and processing the wireless terminal information and the card information for card payment through the customer wireless terminal authentication and storing in the predetermined customer card information 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 In response to the functional configuration, a predetermined user interface capable of inputting (or selecting) the customer wireless terminal 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 embodiment of the present invention, at least one user interface for inputting (or selecting) the customer wireless terminal registration information to the information registration terminal 135 and transmitting the information to the information registration server 100 through the communication network. When the 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 the customer wireless terminal registration information including at least one of the customer wireless terminal information and card information for card payment through the customer wireless terminal authentication based on the user interface (or Selects and transmits the input (or selected) customer wireless terminal registration information 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 includes customer wireless terminal registration information including at least one of customer wireless terminal information and card information for card payment through the user wireless terminal authentication through the user interface in the information registration terminal 135. When the input (or selection) is transmitted through the communication network, the customer wireless terminal registration information is received in cooperation with the interface unit 105, and the received customer wireless terminal registration information to the validity check unit ( 120).

The validity confirming unit 120 checks whether the customer wireless terminal registration information received from the information registration terminal 135 satisfies the validity for the card payment processing through the customer wireless terminal authentication.

Here, the validation of the registration information of the customer wireless terminal may include verifying whether the customer wireless terminal is a valid wireless terminal by performing a communication company server (not shown) corresponding to the customer wireless terminal information included in the customer wireless terminal registration information. It is preferable to include one or more.

Alternatively, the validity check of the customer wireless terminal registration information, the customer card corresponding to the card information in connection with the card company server corresponding to the card information for the card payment through the customer wireless terminal authentication enables the mobile payment payment It is preferable to include at least one or more check whether the payment means is valid.

When the validity of the customer wireless terminal registration information is confirmed, the information storage unit 125 stores the customer wireless terminal information included in the customer wireless terminal registration information and card information for card payment through the customer wireless terminal authentication. The customer card information D / B 130 is stored in the customer card information D / B 130, and the customer card information D / B 130 is provided in the information registration server 100 or the information registration server 100. When provided on the network associated with the information storage unit 125, the customer wireless terminal information included in the received customer wireless terminal registration information and the card information for the card payment through the customer wireless terminal authentication associated processing It is preferable to store in the customer card information D / B (130).

2 is a diagram illustrating a process of registering customer wireless terminal registration information in a face-to-face manner according to an embodiment of the present invention.

In more detail, Figure 2 is connected to the communication terminal for registering the customer wireless terminal according to the present invention by the employee terminal shown in Figure 1 connected to the information registration server 100, the information through the communication channel When the customer wireless terminal registration information including the customer wireless terminal information and the card information for card payment through the customer wireless terminal authentication to the registration server 100, the received information from the information registration server 100 An embodiment of the present invention relates to a method of storing and storing in a predetermined customer card information D / B 130 by linking and processing the customer wireless terminal information included in the wireless terminal registration information and the card information for card payment through the customer wireless terminal authentication. Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 2 to transfer the information from the employee terminal to the information registration server 100. Would be able to infer the various exemplary method for registering a wireless terminal registration information, 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 "terminal" for convenience, and the information registration server 100 shown in FIG. The customer wireless terminal information transmitted to the server 100 and the card information for card payment through the customer wireless terminal authentication are referred to as "customer wireless terminal 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 customer wireless terminal registration information, and authenticates the customer wireless terminal. When requesting registration of the customer wireless terminal registration information for card payment processing (200), the server generates (or extracts) a predetermined information registration interface for registering the customer wireless terminal registration information (205), and the communication. The generated (or extracted) information registration interface is transmitted to the terminal through a channel (210).

According to the embodiment of the present invention, the information registration interface inputs (or at least one customer wireless terminal registration information including at least one of the customer wireless terminal information and card information for card payment through the customer wireless terminal authentication in the terminal) It is preferable to include a user interface).

Thereafter, the terminal inputs (or selects) customer wireless terminal registration information including at least one or more customer wireless terminal information and card information for card payment through the customer wireless terminal authentication through the information registration interface (215).

Preferably, the customer wireless terminal information includes at least one wireless terminal telephone number (or unique information) corresponding to a wireless terminal possessed by a customer registering card information for card payment through authentication of the customer wireless terminal. In accordance with the intention of the person skilled in the art, it is preferable that the customer radio terminal further includes wireless network information (for example, wireless carrier information) subscribed to.

The card information for the card payment through the customer wireless terminal authentication is preferably made of at least one credit card information, check card information issued to the customer from a predetermined card company, predetermined BIN (Bank Identification Number) information It is preferably made to include a 16-digit card number and the expiration date information, including.

If the customer wireless terminal registration information including the customer wireless terminal information and card information for card payment through the customer wireless terminal authentication is input (or selected) through the information registration interface (220), the terminal In operation 225, the wireless terminal registration information including the wireless terminal information input (or selected) through the communication network and the card information for card payment through the wireless terminal authentication is transmitted to the server.

Thereafter, the server receives and reads the customer wireless terminal information and card information for card payment through the customer wireless terminal authentication through the communication network to check the validity of the customer wireless terminal registration information (230).

Here, the validation of the registration information of the customer wireless terminal may include verifying whether the customer wireless terminal is a valid wireless terminal by performing a communication company server (not shown) corresponding to the customer wireless terminal information included in the customer wireless terminal registration information. It is preferable to include one or more.

Alternatively, the validity check of the customer wireless terminal registration information, the customer card corresponding to the card information in connection with the card company server corresponding to the card information for the card payment through the customer wireless terminal authentication enables the mobile payment payment It is preferable to include at least one or more check whether the payment means is valid.

If the validity of the customer wireless terminal registration information is not authenticated (235), the server generates predetermined information registration error information and transmits it to the terminal (240), and registers information corresponding to the customer wireless terminal registration information. Do not perform the procedure.

On the other hand, if the validity of the customer wireless terminal registration information is authenticated (235), the server performs an information registration procedure corresponding to the customer wireless terminal registration information, the card through the customer wireless terminal information and the customer wireless terminal authentication The card information for payment is linked and stored in the predetermined customer card information D / B 130 (245).

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

3 is a diagram illustrating a customer wireless terminal information registration system for card payment processing through customer wireless terminal authentication according to another embodiment of the present invention.

In more detail, Fig. 3 shows that a predetermined customer uses a customer wireless terminal information registration system through a predetermined information registration interface and the customer wireless terminal information and the card through the customer wireless terminal authentication for card payment processing through the customer wireless terminal authentication. When providing customer wireless terminal registration information including at least one card information for payment, the customer wireless terminal information and the customer wireless terminal authentication included in the provided customer wireless terminal registration information in the customer wireless terminal information registration system This is a system configuration for linking and processing card information for card payment through the predetermined customer card information D / B (330), if the person of ordinary skill in the art to which the present invention belongs, this figure 3 Customer's wireless terminal for card payment processing through customer's wireless terminal authentication by referring to and / or modified Various implementation methods for the information registration system configuration may be inferred, but the present invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

Hereinafter, at least one or more for storing the customer wireless terminal registration information provided from the customer in the customer card information D / B 330 on the customer wireless terminal information registration system shown in FIG. Information registration means including components corresponding to the means and / or functional configuration is referred to as " information registration server 300 " for convenience.

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

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 customer wireless terminal registration information for card payment processing through the customer wireless terminal authentication is input (or selected) through at least one user interface provided by the information registration server 300, predetermined network means is provided by the client terminal. It is preferable to transmit to the information registration server 300 provided on the customer wireless terminal information registration system through.

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 customer wireless terminal information registration system as described above, a client terminal including at least one wired terminal and / or a wireless terminal used by the customer, and at least one or more connecting the client terminal and the information registration server 300. The wired communication network and / or the wireless communication network perform a function of an information registration interface for the customer to register customer wireless terminal registration information for card payment processing through the customer wireless terminal authentication.

The customer card information D / B 330 provided on the customer wireless terminal information registration system according to the present invention includes the customer wireless terminal information included in the customer wireless terminal registration information provided from the information registration terminal 335. The card information for card payment through the customer wireless terminal authentication is linked to store in a predetermined customer card information D / B (330), the customer stored in the customer card information D / B (330) Customer wireless terminal registration information including at least one of wireless terminal information and card information for card payment through the customer wireless terminal authentication is used for card payment processing through the customer wireless terminal authentication.

Preferably, the customer wireless terminal information includes at least one wireless terminal telephone number (or unique information) corresponding to a wireless terminal possessed by a customer registering card information for card payment through authentication of the customer wireless terminal. In accordance with the intention of the person skilled in the art, it is preferable that the customer radio terminal further includes wireless network information (for example, wireless carrier information) subscribed to.

The card information for the card payment through the customer wireless terminal authentication is preferably made of at least one credit card information, check card information issued to the customer from a predetermined card company, predetermined BIN (Bank Identification Number) information It is preferably made to include a 16-digit card number and the expiration date information, including.

The information registration server 300 provided on the customer wireless terminal information registration system according to the present invention is a generic term for the components of the customer wireless terminal information registration system side connected to the information registration terminal 335 through a predetermined network means. It may be implemented by including at least one server (or device), and / or at least one program recorded on a recording medium provided in a predetermined server (or device), thereby limiting the present invention Not.

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, if the client terminal is equipped 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 customer wireless terminal registration information to the information registration terminal 335. Information for receiving predetermined customer wireless terminal registration information transmitted (input or selected) from the information registration terminal 335 through the user interface in cooperation with the interface providing unit 310 and the interface unit 305. Receiving unit 315, the customer wireless terminal information included in the received customer wireless terminal registration information and the card information for the card payment through the customer wireless terminal authentication by linking processing And an information storage unit 325 for storing the defined customer card information D / B (330), characterized in that formed.

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. In response to the functional configuration, a predetermined user interface capable of inputting (or selecting) the customer wireless terminal registration information and transmitting the information 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 the customer wireless terminal registration information including at least one of the customer wireless terminal information and card information for card payment through the customer wireless terminal authentication based on the user interface (or Selects and transmits the input (or selected) customer wireless terminal registration information 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 to the client. It is preferable to provide to the 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 embodiment of the present invention, at least one user interface for inputting (or selecting) the customer wireless terminal registration information to the information registration terminal 335 and transmitting the information to the information registration server 300 through the network means. When the 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, the information registration terminal 335, the customer wireless terminal registration information including at least one or more customer wireless terminal information and card information for the card payment through the customer wireless terminal authentication through the user interface When inputting (or selecting) and transmitting through the network means, and receives the customer wireless terminal registration information in conjunction with the interface unit 305, and confirming the validity of the received customer wireless terminal registration information Provided to the unit 320.

The validity confirming unit 320 is characterized in that the customer wireless terminal registration information received from the information registration terminal 335 confirms the validity for the card payment processing through the customer wireless terminal authentication.

Here, the validation of the registration information of the customer wireless terminal may include verifying whether the customer wireless terminal is a valid wireless terminal by performing a communication company server (not shown) corresponding to the customer wireless terminal information included in the customer wireless terminal registration information. It is preferable to include one or more.

Alternatively, the validity check of the customer wireless terminal registration information, the customer card corresponding to the card information in connection with the card company server corresponding to the card information for the card payment through the customer wireless terminal authentication enables the mobile payment payment It is preferable to include at least one or more check whether the payment means is valid.

When the validity of the customer wireless terminal registration information is confirmed, the information storage unit 325 links the customer wireless terminal information included in the customer wireless terminal registration information and card information for card payment through the customer wireless terminal authentication. The customer card information D / B 330 may be stored in the information registration server 300 or may be stored in the information registration server 300. When provided on the associated network, the information storage unit 325 processes the customer wireless terminal information included in the received customer wireless terminal registration information and the card information for card payment through the customer wireless terminal authentication It is preferable to store in the customer card information D / B (330).

4 is a diagram illustrating a process of registering customer wireless terminal registration information in a non-face-to-face manner for card payment processing through customer wireless terminal authentication according to an embodiment of the present invention.

In more detail, FIG. 4 shows a case where the information registration server 300 on the customer wireless terminal 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 the terminal connects to the information registration server 300 and connects a communication channel for registering a customer wireless terminal according to the present invention, the customer wireless terminal information and the customer to the information registration server 300 through the communication channel. When the customer wireless terminal registration information including card information for card payment through wireless terminal authentication is transmitted, the customer wireless terminal information included in the received customer wireless terminal registration information from the information registration server 300 and the The card information for card payment through the authentication of the customer's wireless terminal is linked and stored in the predetermined customer card information D / B 330. As a method, one of ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing to register the customer wireless terminal registration information from the client terminal to the information registration server 300. Various implementation methods may be inferred, but the present invention includes all implementation methods inferred from the above, and is not limited to the implementation method 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 customer wireless terminal information transmitted to the server 300 and the card information for card payment through the customer wireless terminal authentication are referred to as "customer wireless terminal 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 customer wireless terminal registration information by accessing the server through a communication network, and / or an IEEE 802.16x based portable Internet, and the like, and for card payment processing through the customer wireless terminal authentication. When requesting to register the customer wireless terminal registration information (400), the server generates (or extracts) a web page corresponding to a predetermined information registration interface for registering the customer wireless terminal registration information (405), the communication channel The generated (or extracted) web page is transmitted to the terminal through the output (410).

According to the embodiment of the present invention, the information registration interface inputs (or at least one customer wireless terminal registration information including at least one of the customer wireless terminal information and card information for card payment through the customer wireless terminal authentication in the terminal (or It is preferable to include a user interface).

In addition, the web page transmission and / or output process is preferably performed at least once according to the customer wireless terminal registration information registration procedure, whereby the present invention is not limited.

Thereafter, the terminal inputs (or selects) customer wireless terminal registration information including at least one or more customer wireless terminal information and card information for card payment through the customer wireless terminal authentication through the information registration interface (415).

Preferably, the customer wireless terminal information includes at least one wireless terminal telephone number (or unique information) corresponding to a wireless terminal possessed by a customer registering card information for card payment through the customer wireless terminal authentication. And, according to the intention of the person skilled in the art, it is preferable that the customer radio terminal further comprises a wireless communication network information (for example, wireless carrier information).

The card information for the card payment through the customer wireless terminal authentication is preferably made of at least one credit card information, check card information issued to the customer from a predetermined card company, predetermined BIN (Bank Identification Number) information It is preferably made to include a 16-digit card number and the expiration date information, including.

If the user wireless terminal registration information including the customer wireless terminal information and the card information for card payment through the customer wireless terminal authentication through the information registration interface is input (or selected) (420), the terminal 425 transmits the input (or selected) customer wireless terminal information and the card information for card payment through the customer wireless terminal authentication to the server through the communication channel (425).

According to an embodiment of the present invention, transmitting the input (or selected) customer wireless terminal information and the card information for card payment through the customer wireless terminal authentication to the server through the communication channel, the information registration interface. The method may further include transmitting the electronic signature and / or encryption to the server through the security module provided in the terminal, through the security module provided in the terminal.

Thereafter, the server receives and reads the customer wireless terminal information and the card information for card payment through the customer wireless terminal authentication through the communication channel to confirm the validity of the customer wireless terminal registration information (430).

According to an exemplary embodiment of the present invention, checking the validity of the customer wireless terminal registration information may include: when the customer wireless terminal registration information is electronically signed and / or encrypted through a security module provided in the terminal, And decrypting the terminal registration information.

Here, the validation of the registration information of the customer wireless terminal may include verifying whether the customer wireless terminal is a valid wireless terminal by performing a communication company server (not shown) corresponding to the customer wireless terminal information included in the customer wireless terminal registration information. It is preferable to include one or more.

Alternatively, the validity check of the customer wireless terminal registration information, the customer card corresponding to the card information in connection with the card company server corresponding to the card information for the card payment through the customer wireless terminal authentication enables the mobile payment payment It is preferable to include at least one or more check whether the payment means is valid.

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

On the other hand, if the validity of the customer wireless terminal registration information is authenticated (435), the server performs an information registration procedure corresponding to the customer wireless terminal registration information, the card through the customer wireless terminal information and the customer wireless terminal authentication The card information for payment is linked and stored in the predetermined customer card information D / B 330 (445).

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 customer wireless terminal registration information transmitted from the terminal.

5 is a diagram illustrating an affiliated store information registration system for card payment processing through customer wireless terminal authentication according to an embodiment of the present invention.

In more detail, FIG. 5 shows a terminal having unique terminal information (for example, CAT_ID information corresponding to each affiliate store) for a predetermined payment process through a customer wireless terminal authentication through a predetermined information registration interface to a merchant information registration system. When providing merchant registration information for customer wireless terminal authentication payment including at least one merchant information (eg, merchant business registration information) and employee wireless terminal information, the merchant information registration system provides the merchant registration for customer wireless terminal authentication payment provided. A system configuration for linking and processing the terminal-specific information included in the information, merchant information and employee wireless terminal information in a predetermined affiliated store D / B (535), having a general knowledge in the art Growing through the customer wireless terminal authentication by referring to and / or modified in Figure 5 Would be able to infer a variety of exemplary methods for the merchant information registration system configuration for the settlement processing, the present invention includes all embodiments in which the inference method, shall not be limited to the exemplary method shown in the figure 5.

For example, when the card payment processing through the customer wireless terminal authentication is used for non-face-to-face payment, the merchant registration information for the customer wireless terminal authentication payment is a merchant website corresponding to the online store of the merchant instead of the employee wireless terminal information. Information (eg, web server URL information corresponding to an online store) may be included, and the present invention is not limited thereto.

Hereinafter, at least one or more stores the merchant registration information for customer wireless terminal authentication payment provided from the customer in the affiliated store D / B 535 through a predetermined information registration interface on the affiliated store information registration system shown in FIG. 5. Components corresponding to the means and / or functional configuration are referred to as " merchant registration server 500 " for convenience.

Referring to this figure 5 according to the embodiment of the present invention, the merchant information registration system for card payment processing through the customer wireless terminal authentication, at least one customer wireless terminal authentication payment target affiliated store recruitment agency sales office staff Characterized in that it comprises an information registration terminal 540, the information registration terminal 540 is a communication channel with a merchant registration server 500 provided on the merchant information registration system through a predetermined communication network Connected.

According to one embodiment of the invention, the customer visits the customer wireless terminal authentication payment target affiliated store recruitment agency sales office for card payment processing through the customer wireless terminal authentication, the customer wireless terminal authentication payment target merchant recruitment agency sales office At least one information item for registration of a merchant corresponding to a predetermined payment application (e.g., a card payment processing through customer wireless terminal authentication) through a window (or through an employee) provided at Form), and the employee submits the completed application to the employee, and the employee inputs (or selects) the information entered in the application through a predetermined employee terminal, and the employee terminal The input (or selected) information is provided on the merchant information registration system through the communication network. It is preferable to transmit to the merchant registration server 500.

In the merchant information registration system as described above, an application created by the customer, an employee terminal used by the employee, and a communication network connecting the employee terminal and the affiliated store registration server 500, the customer authenticates the customer wireless terminal. It performs the function of the information registration interface for registering the merchant registration information for customer wireless terminal authentication payment for the card payment processing through.

The merchant D / B 535 provided on the affiliated store information registration system according to the present invention includes the terminal specific information and the affiliated store included in the affiliated store registration information for the customer wireless terminal authentication payment provided from the information registration terminal 540. And store information in a predetermined affiliated store D / B 535 by processing the information and the employee wireless terminal information in association with each other. Merchant registration information for customer wireless terminal authentication payment including at least one is used for card payment processing through the customer wireless terminal authentication.

The terminal-specific information is characterized in that it comprises the terminal ID information corresponding to each affiliated store terminal in the conventional card payment system for card payment processing, when the card payment through the customer wireless terminal authentication, the employee wireless terminal information It is preferable to process the card payment by substituting the terminal specific information.

The merchant information sells (or provides) tangible goods or intangible goods (or services) to a given customer, and through the payment through the card through the customer wireless terminal authentication of the tangible goods or intangible goods (or services) Characterized in that it comprises the business registration information of the merchant requesting the payment for the payment.

According to one embodiment of the present invention, the affiliated store corresponding to the affiliated store information includes at least one agent, a visiting company, a door-to-door sales company, a courier company, a learning paper sales company, etc. to process card payment through the customer wireless terminal authentication. It is preferable to make it.

According to another exemplary embodiment of the present invention, the affiliated store corresponding to the affiliated store information preferably includes at least one or more Internet shopping malls that process card payment through authentication of the customer wireless terminal.

The employee wireless terminal information is characterized in that it comprises the wireless terminal information (eg, mobile phone number, etc.) of at least one affiliated store employee selling (or providing) tangible goods or intangible goods (or services) to the customer do.

According to the implementation method of the present invention, the employee 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.

According to another embodiment of the present invention, when the card payment processing through the customer wireless terminal authentication is used for non-face-to-face payment, the employee wireless terminal information is the merchant website information (for example, online) corresponding to the online store of the affiliated store. Web server URL information corresponding to a store) may be included, and the present invention is not limited thereto.

The affiliated store registration server 500 provided on the affiliated store information registration system according to the present invention is a generic term for the affiliated store information registration system side component connected to the information registration terminal 540 through a predetermined communication network, and includes at least one or more components. It may be implemented by including a server (or device), and / or 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 exemplary embodiment of the present invention, the affiliated store registration server 500 may include an interface unit 505 for connecting and managing a predetermined communication channel with the information registration terminal 540 through the communication network. .

According to an embodiment of the present invention, when the information registration terminal 540 is an employee terminal connected to a predetermined communication network, the interface unit 505 may be assigned to the employee terminal 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. 5, the affiliated store registration server 500 connects a predetermined information registration terminal 540 to a communication channel with the affiliated store registration server 500 through the interface unit 505, and then the interface unit ( In operation 505, the information registration terminal 540 generates (or extracts) a predetermined user interface for inputting (or selecting) a predetermined customer wireless terminal authentication payment merchant registration information to transmit the information registration terminal (540). A predetermined wireless payment terminal authentication payment that is input (or selected) and transmitted from the information registration terminal 540 through the user interface in conjunction with the interface providing unit 510 provided to the 540 and the interface unit 505. An information receiving unit 515 for receiving registration information for merchants, a validity checking unit 520 for checking the validity of the received registration information for the merchant wireless terminal authentication payment; The information storage unit 525 stores and stores the terminal-specific information, the affiliated store information, and the employee wireless terminal information, which are included in the registered registration information for the customer wireless terminal authentication payment, which is verified in advance, in a predetermined affiliated store D / B 535. And at least one employee wireless terminal corresponding to the employee wireless terminal information, and a predetermined payment program (for example, a VM for employee terminals) for card payment processing through authentication of the customer wireless terminal. Machine) is preferably provided with a program providing unit (530).

The interface providing unit 510 is provided in the information registration terminal 540 after a predetermined information registration terminal 540 connects the communication channel with the affiliated store registration server 500 through the interface unit 505. In response to the functional configuration, the predetermined user interface capable of inputting (or selecting) the affiliated store registration information for the customer wireless terminal authentication payment and transmitting to the affiliated store registration server 500 through the communication network, and / or the predetermined Extracting from a database (not shown) and providing the user interface generated (or extracted) in association with the interface unit 505 to the information registration terminal 540 through the communication network.

According to another embodiment of the present invention, at least one or more of inputting (or selecting) the merchant registration information for the customer wireless terminal authentication payment to the information registration terminal 540 and transmitting it to the affiliated store registration server 500 through the communication network. When a predetermined information registration program having a user interface is provided, the interface providing unit 510 for providing the user interface to the information registration terminal 540 may be omitted, and the present invention is not limited thereto.

Thereafter, the information registration terminal 540 inputs (or selects) merchant registration information for customer wireless terminal authentication payment including at least one of the terminal-specific information, affiliated store information, and employee wireless terminal information based on the user interface. The merchant registration information for the input (or selection) of the customer wireless terminal authentication payment is transmitted to the affiliated store registration server 500 through the communication network.

When the information registration terminal 540 is an employee terminal connected to a predetermined communication network according to an exemplary embodiment of the present invention, the interface providing unit 510 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 505.

The information receiving unit 515 inputs the merchant registration information for customer wireless terminal authentication payment including at least one or more terminal specific information, affiliate store information, and employee wireless terminal information through the user interface at the information registration terminal 540 (or Select) to transmit through the communication network, the merchant registration information for the customer wireless terminal authentication payment in connection with the interface unit 505, and the merchant registration information for the received customer wireless terminal authentication payment Provided to the validity check unit 520.

The validity confirming unit 520 is characterized by checking whether the merchant registration information for customer wireless terminal authentication payment received from the information registration terminal 540 satisfies the validity for the card payment processing through the customer wireless terminal authentication.

Here, the validity check of the merchant registration information for the customer wireless terminal authentication payment is confirmed that the business registration number of the merchant information included in the merchant registration information for the customer wireless terminal authentication payment is valid (for example, a predetermined tax office server (city) In connection with the omission), it is preferable to include at least one or more).

When the validity of the merchant registration information for the customer wireless terminal authentication payment is confirmed, the information storage unit 525 stores the terminal specific information, the merchant information and the employee wireless terminal information included in the merchant registration information for the customer wireless terminal authentication payment. The affiliated store may be stored in the affiliated store D / B 535 and the affiliated store D / B 535 is provided in the affiliated store registration server 500 or the network associated with the affiliated store registration server 500. When provided on the, the information storage unit 525 is connected to the affiliated terminal specific information and the affiliated store information and the employee wireless terminal information contained in the received customer wireless terminal authentication payment registration information for merchant affiliated D / B ( 535).

The program providing unit 530 is a predetermined payment program (for example, employee terminal VM) for card payment processing through the customer wireless terminal authentication to at least one employee wireless terminal corresponding to the registered employee wireless terminal information Virtual Machine) to provide and mount.

According to an embodiment of the present invention, a payment program (VM) mounted on the employee wireless terminal may include a user interface for inputting various information according to a card payment procedure through authentication of a customer wireless terminal according to the present invention, and the input information. It is preferable that the employee radio terminal is provided with a function of providing to the predetermined card company through a wireless communication network (or via a predetermined relay server via a wireless communication network) connected thereto.

6 is a diagram illustrating a process of registering affiliate store registration information for customer wireless terminal authentication payment in a face-to-face manner according to an embodiment of the present invention.

In more detail, in FIG. 6, the employee terminal shown in FIG. 5 is connected to the affiliated store registration server 500 to connect a communication channel for information registration according to the present invention, and then the affiliated store registration server through the communication channel. When the merchant registration information for the customer wireless terminal authentication payment including the terminal specific information, merchant information and employee wireless terminal information is transmitted to 500, the merchant registration server 500 receives the received customer wireless terminal authentication payment. An embodiment of the present invention relates to a method for storing terminal-specific information included in affiliated store registration information, affiliated store information, and employee wireless terminal information in a predetermined affiliated store D / B 535, and stores common knowledge in the technical field to which the present invention pertains. If the person having, for the customer wireless terminal authentication payment from the employee terminal to the merchant registration server 500 by referring to and / or modifying the Figure 6 Various implementation methods for registering merchant registration information may be inferred, but the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

For example, the process of providing and mounting the payment program to the employee wireless terminal in FIG. 6 is omitted for convenience, but the present invention is not limited thereto.

Hereinafter, in FIG. 6, the employee terminal (or information registration terminal 540) shown in FIG. 5 is referred to as "terminal" for convenience, and the affiliated store registration server 500 shown in FIG. 5 is referred to as "server" for convenience. do.

Referring to FIG. 6, an employee terminal shown in FIG. 5 connects to a server through a predetermined communication network and connects a predetermined communication channel for registering the merchant registration information for authentication of the customer wireless terminal. When requesting registration of the merchant registration information for the customer wireless terminal authentication payment for card payment processing through terminal authentication (600), the server registers a predetermined information registration interface for registering the merchant registration information for the customer wireless terminal authentication payment. The method generates (or extracts) 605 and transmits the generated (or extracted) information registration interface to the terminal through the communication channel and outputs the data registration interface (610).

According to an embodiment of the present invention, the information registration interface inputs (or selects) merchant registration information for customer wireless terminal authentication payment including at least one of the terminal-specific information, affiliated store information, and employee wireless terminal information in the terminal. It is preferred to include a user interface.

Thereafter, the terminal inputs (or selects) merchant registration information for customer wireless terminal authentication payment including at least one or more terminal-specific information, affiliate store information, and employee wireless terminal information through the information registration interface (615).

The terminal-specific information is characterized in that it comprises the terminal ID information corresponding to each affiliated store terminal in the conventional card payment system for card payment processing, when the card payment through the customer wireless terminal authentication, the employee wireless terminal information It is preferable to process the card payment by substituting the terminal specific information.

The merchant information sells (or provides) tangible goods or intangible goods (or services) to a given customer, and through the payment through the card through the customer wireless terminal authentication of the tangible goods or intangible goods (or services) Characterized in that it comprises the business registration information of the merchant requesting the payment for payment.

According to one embodiment of the present invention, the affiliated store corresponding to the affiliated store information includes at least one agent, a visiting company, a door-to-door sales company, a courier company, a learning paper sales company, etc. to process card payment through the customer wireless terminal authentication. It is preferable to make it.

According to another exemplary embodiment of the present invention, the affiliated store corresponding to the affiliated store information preferably includes at least one or more Internet shopping malls that process card payment through authentication of the customer wireless terminal.

The employee wireless terminal information is characterized in that it comprises the wireless terminal information (eg, mobile phone number, etc.) of at least one affiliated store employee selling (or providing) tangible goods or intangible goods (or services) to the customer do.

According to the implementation method of the present invention, the employee 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.

According to another embodiment of the present invention, when the card payment processing through the customer wireless terminal authentication is used for non-face-to-face payment, the employee wireless terminal information is the merchant website information (for example, online) corresponding to the online store of the affiliated store. Web server URL information corresponding to a store) may be included, and the present invention is not limited thereto.

If the terminal inputs (or selects) the merchant registration information for the customer wireless terminal authentication payment including the terminal specific information, the affiliate store information, and the employee wireless terminal information through the information registration interface (620), the terminal receives the communication network. In operation 625, the affiliated store registration information for customer wireless terminal authentication payment including the input (or selected) terminal specific information, affiliate store information, and employee wireless terminal information is transmitted to the server.

Thereafter, the server receives and reads the terminal specific information, the affiliate store information, and the employee wireless terminal information through the communication network to confirm the validity of the affiliate store registration information for the customer wireless terminal authentication payment (630).

Here, the validity check of the merchant registration information for the customer wireless terminal authentication payment is confirmed that the business registration number of the merchant information included in the merchant registration information for the customer wireless terminal authentication payment is valid (for example, a predetermined tax office server (city) In connection with the omission), it is preferable to include at least one or more).

If the validity of the merchant registration information for the customer wireless terminal authentication payment is not authenticated (635), the server generates predetermined information registration error information and transmits it to the terminal (640), and for the customer wireless terminal authentication payment Do not perform the information registration procedure corresponding to the merchant registration information.

On the other hand, if the validity of the merchant registration information for the customer wireless terminal authentication payment is authenticated (635), the server performs the information registration procedure corresponding to the merchant registration information for the customer wireless terminal authentication payment, the terminal specific information and the merchant The information is stored in a predetermined affiliated store D / B 535 by processing the information associated with the employee wireless terminal information (645).

Thereafter, the server generates predetermined information registration history information and transmits it to the terminal (650), thereby completing the procedure of registering the merchant registration information for the customer wireless terminal authentication payment transmitted from the terminal.

7 is a diagram illustrating a merchant information registration system for card payment processing through customer wireless terminal authentication according to another embodiment of the present invention.

In more detail, in FIG. 7, a predetermined customer uses terminal-specific information (eg, CAT_ID information corresponding to each affiliated store) for card payment processing through the customer wireless terminal authentication to a merchant information registration system through a predetermined information registration interface. When providing merchant registration information for customer wireless terminal authentication payment including at least one merchant information (eg, merchant business registration information) and employee wireless terminal information, the merchant information registration system provides the merchant registration for customer wireless terminal authentication payment provided. A system configuration for linking and processing the terminal-specific information included in the information, merchant information and employee wireless terminal information in a predetermined affiliated store D / B (735), having a general knowledge in the art Card, through customer wireless terminal authentication, by referring to and / or modifying FIG. Various implementation methods for the configuration of the merchant information registration system for payment processing may be inferred, but the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

For example, when the card payment processing through the customer wireless terminal authentication is used for non-face-to-face payment, the merchant registration information for the customer wireless terminal authentication payment is a merchant website corresponding to the online store of the merchant instead of the employee wireless terminal information. Information (eg, web server URL information corresponding to an online store) may be included, and the present invention is not limited thereto.

Hereinafter, at least one or more stores the merchant registration information for customer wireless terminal authentication payment provided from the customer in the affiliated store D / B 735 via a predetermined information registration interface on the affiliated store information registration system shown in FIG. 7. Components corresponding to the means and / or functional configuration are referred to as " merchant registration server 700 " for convenience.

Referring to FIG. 7 according to an embodiment of the present invention, the merchant information registration system for card payment processing through the customer wireless terminal authentication includes a client terminal including at least one wired terminal and / or a wireless terminal used by a customer. And an information registration terminal 740 including at least one or more, wherein the information registration terminal 740 is a merchant registration server 700 provided on the affiliate information registration system through a predetermined network means. ) And the communication channel are connected.

According to one embodiment of the present invention, the customer connects to the affiliated store registration server 700 through at least one client terminal of a wired terminal connected to a predetermined wired communication network and / or a wireless terminal connected to a predetermined wireless communication network, If the client terminal inputs (or selects) merchant registration information for customer wireless terminal authentication payment for card payment processing through the customer wireless terminal authentication through at least one user interface provided by the affiliated store registration server 700, the client terminal It is preferable to transmit to the affiliated store registration server 700 provided on the affiliated store information registration system through a predetermined network means.

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.

The network means for connecting the client terminal and the affiliated store registration server 700 may be a CDMA-based mobile communication network and / or an IEEE 802.16x-based mobile Internet and / or DataTAC / according to a wireless communication network type to which the client terminal is connected. 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 user interface provided by the affiliated store registration server 700, and inputs and / or selects at least one or more information through the user interface to the affiliated store registration server 700. 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 affiliated store registration server 700, 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 affiliated store information registration system, a client terminal including at least one wired terminal and / or a wireless terminal used by the customer, and at least one wired communication network connecting the client terminal and the affiliated store registration server 700. And / or the wireless communication network performs a function of an information registration interface for the customer to register merchant registration information for customer wireless terminal authentication payment for card payment processing through the customer wireless terminal authentication.

The merchant D / B 735 provided on the affiliated store information registration system according to the present invention includes the terminal specific information and the affiliated store included in the affiliated store registration information for the customer wireless terminal authentication payment provided from the information registration terminal 740. And store information in a predetermined affiliated store D / B 735 by linking the information with the employee wireless terminal information. The terminal specific information, the affiliated store information, and the employee wireless terminal information stored in the affiliated store D / B 735 are stored. Merchant registration information for customer wireless terminal authentication payment including at least one is used for card payment processing through the customer wireless terminal authentication.

The terminal-specific information is characterized in that it comprises the terminal ID information corresponding to each affiliated store terminal in the conventional card payment system for card payment processing, when the card payment through the customer wireless terminal authentication, the employee wireless terminal information It is preferable to process the card payment by substituting the terminal specific information.

The merchant information sells (or provides) tangible goods or intangible goods (or services) to a given customer, and through the payment through the card through the customer wireless terminal authentication of the tangible goods or intangible goods (or services) Characterized in that it comprises the business registration information of the merchant requesting the payment for payment.

According to one embodiment of the present invention, the affiliated store corresponding to the affiliated store information includes at least one agent, a visiting company, a door-to-door sales company, a courier company, a learning paper sales company, etc. to process card payment through the customer wireless terminal authentication. It is preferable to make it.

According to another exemplary embodiment of the present invention, the affiliated store corresponding to the affiliated store information preferably includes at least one or more Internet shopping malls that process card payment through authentication of the customer wireless terminal.

The employee wireless terminal information is characterized in that it comprises the wireless terminal information (eg, mobile phone number, etc.) of at least one affiliated store employee selling (or providing) tangible goods or intangible goods (or services) to the customer do.

According to the method of the present invention, the employee wireless terminal information is the wireless terminal information of the surrogate driver hired by the surrogate operation company, or the wireless terminal information of the door sales staff employed by 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 courier engineer employed in, or the wireless terminal information of the learning paper sales staff employed in the learning paper sales company.

According to another embodiment of the present invention, when the card payment processing through the customer wireless terminal authentication is used for non-face-to-face payment, the employee wireless terminal information is the merchant website information (for example, online) corresponding to the online store of the affiliated store. Web server URL information corresponding to a store) may be included, and the present invention is not limited thereto.

The affiliated store registration server 700 provided on the affiliated store information registration system according to the present invention is a generic term for the affiliated store information registration system side component connected to the information registration terminal 740 through a predetermined network means. It may be implemented by including the above server (or 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), whereby the present invention is not limited.

According to an exemplary embodiment of the present invention, the affiliated store registration server 700 includes an interface unit 705 for connecting and managing a predetermined communication channel with the information registration terminal 740 through the network means. do.

According to an exemplary embodiment of the present invention, when the information registration terminal 740 is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface unit 705 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 705 connects a communication channel with the client terminal based on the TCP / IP protocol. It provides a communication interface for transmitting and receiving web pages (eg, Hyper-Text Markup Language (HTML) compatible web pages) and / or information using the HTPP protocol defined in the browser program.

Alternatively, when the client terminal is provided with a communication program (eg, an internet banking program) provided by the affiliated store registration server 700, the interface unit 705 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 740 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface unit 705 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 705 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 affiliated store registration server 700, the interface unit 705 may be connected to 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. 7, the affiliated store registration server 700 connects a predetermined information registration terminal 740 to a communication channel with the affiliated store registration server 700 through the interface unit 705, and then the interface unit ( In operation 705, the information registration terminal 740 generates (or extracts) a predetermined user interface for inputting (or selecting) a predetermined customer wireless terminal authentication payment merchant registration information and transmitting the information (or extraction) to the information registration terminal ( A predetermined customer wireless terminal authentication payment that is input (or selected) and transmitted from the information registration terminal 740 through the user interface in conjunction with the interface providing unit 710 provided to the 740 and the interface unit 705. An information receiving unit 715 for receiving merchant registration information for the service, and the terminal specific information and the affiliated store information directly included in the received merchant wireless registration information for merchant payment; And an information storage unit 725 configured to link and process the wireless terminal information in a predetermined affiliated store D / B 735, wherein the at least one employee wireless terminal corresponding to the employee wireless terminal information is provided. It is preferable that the program providing unit 730 is further provided to provide a predetermined payment program (eg, a virtual machine (VM) for employee terminals) for card payment processing through customer wireless terminal authentication.

The interface providing unit 710 connects a predetermined information registration terminal 740 to a communication channel with the affiliated store registration server 700 through the interface unit 705 and then connects to the information registration terminal 740. Generate a predetermined user interface capable of inputting (or selecting) the merchant registration information for the customer wireless terminal authentication payment in response to the functional configuration provided and transmitting to the affiliated store registration server 700 through the network means; and / Or extracting from a predetermined database (not shown) and providing the generated (or extracted) user interface to the information registration terminal 740 via the network means in association with the interface unit 705. .

Thereafter, the information registration terminal 740 inputs (or selects) merchant registration information for customer wireless terminal authentication payment including at least one of the terminal specific information, the affiliate store information, and the employee wireless terminal information based on the user interface. And, the merchant registration information for the input (or selected) customer wireless terminal authentication payment is transmitted to the affiliated store registration server 700 through the communication network.

According to an embodiment of the present invention, when the information registration terminal 740 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, the interface providing unit 710 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 705 to the client terminal. It is preferable to provide.

According to another embodiment of the present invention, when the information registration terminal 740 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface providing unit 710 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 705.

At least one of inputting (or selecting) the merchant registration information for the customer wireless terminal authentication payment to the information registration terminal 740 according to another embodiment of the present invention and transmitting the same to the affiliated store registration server 700 through the network means. When the predetermined information registration program having the above user interface is provided, the interface providing unit 710 for providing the user interface to the information registration terminal 740 may be omitted, and the present invention is not limited thereto. .

The information receiving unit 715 inputs merchant registration information for customer wireless terminal authentication payment including at least one or more terminal specific information, affiliate store information, and employee wireless terminal information through the user interface at the information registration terminal 740 (or Select) to transmit through the network means, and receives affiliated store registration information for customer wireless terminal authentication payment in connection with the interface unit 705, and receives the affiliated store registration information for customer wireless terminal authentication payment. It provides to the validity verification unit 720.

The validity confirming unit 720 is characterized by checking whether the merchant registration information for customer wireless terminal authentication payment received from the information registration terminal 740 satisfies the validity for the card payment processing through the customer wireless terminal authentication.

Here, the validity check of the merchant registration information for the customer wireless terminal authentication payment is confirmed that the business registration number of the merchant information included in the merchant registration information for the customer wireless terminal authentication payment is valid (for example, a predetermined tax office server (city) In connection with the omission), it is preferable to include at least one or more).

When the validity of the merchant registration information for the customer wireless terminal authentication payment is confirmed, the information storage unit 725 stores the terminal specific information, the affiliate store information, and the employee wireless terminal information included in the merchant registration information for the customer wireless terminal authentication payment. The affiliated store is stored in the affiliated store D / B 735, and the affiliated store D / B 735 is provided in the affiliated store registration server 700 or the network associated with the affiliated store registration server 700. When provided on the, the information storage unit 725 is connected to the affiliated terminal specific information and the affiliated store information and employee wireless terminal information contained in the received customer wireless terminal authentication payment merchant registration information for the affiliated store D / B ( 735).

The program providing unit 730 is a predetermined payment program (eg, employee terminal VM) for card payment processing through the customer wireless terminal authentication to at least one or more employee wireless terminal corresponding to the registered employee wireless terminal information Virtual Machine) to provide and mount.

According to an embodiment of the present invention, a payment program (VM) mounted on the employee wireless terminal may include a user interface for inputting various information according to a card payment procedure through authentication of a customer wireless terminal according to the present invention, and the input information. It is preferable that the employee radio terminal is provided with a function of providing to the predetermined card company through a wireless communication network (or via a predetermined relay server via a wireless communication network) connected thereto.

8 is a diagram illustrating a process of registering affiliate store registration information for customer wireless terminal authentication payment in a non-face-to-face manner for card payment processing through customer wireless terminal authentication according to an embodiment of the present invention.

In more detail, in FIG. 8, in the case where the merchant registration server 700 on the merchant information registration system illustrated in FIG. 7 has a web server function to which a client terminal can be connected through a predetermined network means, After connecting to the affiliated store registration server 700 and connecting a communication channel for information registration according to the present invention, the terminal specific information, affiliated store information and employee wireless terminal information to the affiliated store registration server 700 through the communication channel. When transmitting the merchant registration information for the customer wireless terminal authentication payment comprising the, the merchant registration server 700, the terminal unique information and merchant information and employee wireless terminal included in the received customer wireless terminal authentication payment merchant registration information; The present invention relates to an implementation method of linking and storing information in a predetermined affiliated store D / B 735. Those skilled in the art, various embodiments of the present invention to register and register the merchant registration information for the customer wireless terminal authentication payment from the client terminal to the affiliated store registration server 700 by referring to and / or modified in this figure. It may be inferred that, but the present invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

For example, the process of providing and mounting the payment program to the employee wireless terminal in FIG. 8 is omitted for convenience, but the present invention is not limited thereto.

Hereinafter, in FIG. 8, the client terminal (or information registration terminal 740) shown in FIG. 7 is referred to as "terminal" for convenience, and the affiliated store registration server 700 shown in FIG. 7 is referred to as "server" for convenience. do.

Referring to FIG. 8, the client terminal shown in FIG. 7 is a predetermined network means (e.g., when the client terminal is a wired terminal, a TCP / IP based wired communication network, and when the client terminal is a wireless terminal, CDMA based mobile). A predetermined communication channel for accessing the server through a communication network, and / or an IEEE 802.16x-based portable Internet, etc., to register the merchant registration information for the customer wireless terminal authentication, and the card through the customer wireless terminal authentication. When requesting registration of the merchant registration information for the customer wireless terminal authentication payment for payment processing (800), the server generates a web page corresponding to a predetermined information registration interface for registering the merchant registration information for the customer wireless terminal authentication payment. (Or extract) 805 and transmit the generated (or extracted) web page to the terminal through the communication channel. And outputs it (810).

According to an embodiment of the present invention, the information registration interface inputs (or selects) merchant registration information for customer wireless terminal authentication payment including at least one of the terminal-specific information, affiliated store information, and employee wireless terminal information in the terminal. It is preferred to include a user interface.

In addition, the web page transmission and / or output process is preferably performed at least one or more times in accordance with the registration information registration procedure for the customer wireless terminal authentication payment, thereby not limited to the present invention.

Thereafter, the terminal inputs (or selects) merchant registration information for customer wireless terminal authentication payment including at least one or more terminal-specific information, affiliate store information, and employee wireless terminal information through the information registration interface (815).

The terminal-specific information is characterized in that it comprises the terminal ID information corresponding to each affiliated store terminal in the conventional card payment system for card payment processing, when the card payment through the customer wireless terminal authentication, the employee wireless terminal information It is preferable to process the card payment by substituting the terminal specific information.

The merchant information sells (or provides) tangible goods or intangible goods (or services) to a given customer, and through the payment through the card through the customer wireless terminal authentication of the tangible goods or intangible goods (or services) Characterized in that it comprises the business registration information of the merchant requesting the payment for payment.

According to one embodiment of the present invention, the affiliated store corresponding to the affiliated store information includes at least one agent, a visiting company, a door-to-door sales company, a courier company, a learning paper sales company, etc. to process card payment through the customer wireless terminal authentication. It is preferable to make it.

According to another exemplary embodiment of the present invention, the affiliated store corresponding to the affiliated store information preferably comprises at least one or more Internet shopping malls that process card payment through the customer wireless terminal authentication.

The employee wireless terminal information is characterized in that it comprises the wireless terminal information (eg, mobile phone number, etc.) of at least one affiliated store employee selling (or providing) tangible goods or intangible goods (or services) to the customer do.

According to the implementation method of the present invention, the employee 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.

According to another embodiment of the present invention, when the card payment processing through the customer wireless terminal authentication is used for non-face-to-face payment, the employee wireless terminal information is the merchant website information (for example, online) corresponding to the online store of the affiliated store. Web server URL information corresponding to a store) may be included, and the present invention is not limited thereto.

If the terminal inputs (or selects) merchant registration information for customer wireless terminal authentication payment including the terminal specific information, affiliate store information, and employee wireless terminal information through the information registration interface (820), the terminal communicates with the terminal. The terminal-specific information, the affiliated store information, and the employee wireless terminal information transmitted through the channel are transmitted to the server (825).

According to an embodiment of the present invention, transmitting the input (or selection) of the terminal-specific information, the affiliated store information, and the employee wireless terminal information to the server is input (or selection) through the information registration interface. The method may further include transmitting the electronic signature and / or encryption to the server through the security module provided in the terminal.

Thereafter, the server receives and reads the terminal specific information, the affiliate store information, and the employee wireless terminal information through the communication channel to check the validity of the affiliate store registration information for the customer wireless terminal authentication payment (830).

According to an embodiment of the present invention, confirming the validity of the merchant registration information for the customer wireless terminal authentication payment, the electronic signature and / through the security module provided in the terminal registration information for the customer wireless terminal authentication payment; Or, if encrypted, the method may further include decrypting the merchant registration information for the customer wireless terminal authentication payment.

Here, the validity check of the merchant registration information for the customer wireless terminal authentication payment is confirmed that the business registration number of the merchant information included in the merchant registration information for the customer wireless terminal authentication payment is valid (for example, a predetermined tax office server (city) In connection with the omission), it is preferable to include at least one or more).

If the validity of the merchant registration information for the customer wireless terminal authentication payment is not authenticated (835), the server generates a web page including predetermined information registration error information and transmits it to the terminal (840). The information registration procedure corresponding to the merchant registration information for wireless terminal authentication payment is not performed.

On the other hand, if the validity of the merchant registration information for the customer wireless terminal authentication payment is authenticated (835), the server performs the information registration procedure corresponding to the merchant registration information for the customer wireless terminal authentication payment, the terminal specific information and the merchant The information is stored in a predetermined affiliated store D / B 735 by linking the information with the employee wireless terminal information (845).

Thereafter, the server generates a web page including predetermined information registration history information and transmits the generated web page to the terminal (850), thereby completing the procedure of registering the affiliated store registration information for the customer wireless terminal authentication payment transmitted from the terminal. .

Hereinafter, the technical features of the present invention will be described in detail through an implementation method in which the affiliated store D / B 735 illustrated in FIG. 5 or 7 is provided to a card company.

However, in the card payment system through customer wireless terminal authentication according to the present invention, the affiliated store D / B 735 is never provided only to the card company, and the affiliated store D / B 735 according to the intention of the skilled person is a bansa ( Alternatively, if the website URL is included in place of the employee wireless terminal information, it may be provided to the payment agency (PG), in which case the employee wireless terminal validation (or website validation) included in the following embodiment is the bansa It is possible to be carried out in a predetermined relay server provided in the (or payment agency), it will be apparent that the present invention comprises such an embodiment.

9 is a diagram showing the configuration of the card payment system through the customer wireless terminal 990 authentication in accordance with an embodiment of the present invention.

In more detail, in FIG. 9, when a predetermined customer provides card information corresponding to a predetermined customer card to a predetermined employee wireless terminal 995, the employee card via the predetermined wireless communication network in the employee wireless terminal 995 When the card information and the predetermined payment amount are transmitted to the card company server 900 corresponding to the card company server 900, the card company server 900 generates predetermined authentication information corresponding to the card information and transmits the predetermined authentication information to the customer wireless terminal 990. If the customer provides the authentication information to the employee wireless terminal 995, the employee wireless terminal 995 transmits the authentication information to the card company server 900 through the wireless communication network. Regarding the configuration of the card payment system through the customer wireless terminal 990 authentication for payment processing through the customer card, the person having ordinary knowledge in the technical field to which the present invention belongs. By referring to and / or modifying the present invention, it is possible to infer various implementation methods for the card payment system configuration through the authentication of the customer wireless terminal 990, but the present invention includes all the implementation methods inferred. The technical features are not limited only to the implementation method illustrated in FIG. 9.

Referring to FIG. 9 according to an embodiment of the present invention, the card payment system through authentication of the customer wireless terminal 990 is a customer wireless terminal 990 possessed by a customer who has been issued a predetermined customer card from a predetermined card company. And, located in a short distance to the customer wireless terminal 990, through the merchant information registration system shown in Fig. 5 or 7 to the employee wireless terminal 995 information registered in a predetermined affiliated store D / B (975) And a corresponding employee wireless terminal 995 and a card company server 900 that issues the customer card to the customer, and according to the intention of the person skilled in the art, the wireless communication network connected to the employee wireless terminal 995. It is characterized in that it further comprises a relay server 940 for relaying the employee wireless terminal 995 and the card company server 900 through the relay.

Here, the card company server 900 receives card information and a predetermined payment amount transmitted from the employee wireless terminal 995 for card payment through authentication of the customer wireless terminal 990, or corresponds to the card information. After transmitting the predetermined authentication information to the customer wireless terminal 990 is preferably provided with a function for receiving the authentication information from the employee wireless terminal 995 and payment approval processing.

If a check program (VM) provided in the employee wireless terminal 995, the information checking function provided in the relay server 940 (for example, by reading the BIN information included in the card information to check the card company server 900) Function) and an information transmission function (eg, the function of transmitting the card information, payment amount information, or authentication information to the confirmed card company server 900), the relay server 940 may be omitted. Thereby, this invention is not limited.

Although the relay server 940 and the card company server 900 are respectively configured as separate servers in the embodiment illustrated in FIG. 9, the present invention is not limited thereto, and the relay server 940 is not limited thereto. (E.g., a bansa server or a payment agency server) and a card company can be configured with a plurality of separate servers for each functional configuration, and the present invention is not limited thereto.

The customer wireless terminal 990 is a wireless terminal possessed by a customer who has received a predetermined customer card having at least one payment method from a predetermined card company, and is a code division multiple access (CDMA) / wide-CDMA (WCDMA). At least one wireless terminal (eg, Personal Communication System (PCS), Global System for Mobile communications (GSM) terminal, Personal Digital Cellular (PDC) terminal, PHS (Personal) connected to the base wireless communication network A wireless terminal connected to a handyphone system terminal, a personal digital assistant (PDA), a smart phone, or the like, 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 embodiment of the present invention, the customer wireless terminal 990 has a function (for example, a message transmission / reception program) for transmitting and receiving a predetermined wireless message (for example, a short message (SMS), a multimedia message (MMS), etc.). It is preferable to make it.

The employee wireless terminal 995 is a wireless terminal corresponding to the employee wireless terminal 995 information registered in the affiliated store D / B 975 through the affiliated store 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 employee wireless terminal 995 includes at least one user interface for inputting card information and payment amount information corresponding to the customer card, and a user interface for inputting predetermined authentication information. It is preferably made with a predetermined payment program (VM) for outputting the customer wireless terminal 990 authentication payment interface screen.

According to an exemplary embodiment of the present invention, when the card information and the payment amount information corresponding to the customer card are input through the employee wireless terminal 995 or the authentication information is input, the employee wireless terminal 995 is input. The provided payment program (VM) is preferably transmitted to the relay server 940, the card information, payment amount information, or authentication information through a predetermined wireless communication network, the relay server 940 is the It is preferable to relay and transmit card information, payment amount information, or authentication information to the card company server 900.

According to another exemplary embodiment of the present invention, when the card information and the payment amount information corresponding to the customer card are input through the employee wireless terminal 995 or the authentication information is input, the employee wireless terminal 995 is input. The payment program (VM) provided in the can transmit the card information, payment amount information, or authentication information directly to the card company server 900 through a predetermined wireless communication network, thereby limiting the present invention Not.

According to the present invention, the relay server 940 transmits card information received from the employee wireless terminal 995 to a predetermined card company server 900 for card payment through authentication of the customer wireless terminal 990. And BIN information D / B 965 for storing in association with predetermined BIN (Bank Identification Number) information and card company information.

The BIN information is information corresponding to a 4-digit card issuer number and / or a 2-digit card identification number among 16-digit card numbers, and includes at least one or more BIN information of all customer cards circulating in Korea. desirable.

The card company information preferably includes a card company name matching the predetermined BIN information and card company server 900 information, and all card companies that have issued a customer card capable of card payment through authentication of the customer wireless terminal 990. Preferably, the information is matched with the respective BIN information.

According to the present invention, the relay server 940 connects and manages a communication channel for transmitting and receiving the employee wireless terminal 995 and predetermined card information, payment amount information, or authentication information through a predetermined wireless communication network. It is characterized by comprising a part 960.

The interface unit 960 is configured to communicate with the employee wireless terminal 995 and a predetermined communication channel (eg, the employee wireless terminal 995, a wireless communication network and a predetermined gateway) based on a protocol stack defined in the wireless communication network. Channel) and a communication interface for transmitting and receiving predetermined card information, payment amount information, or authentication information using a communication protocol defined in a payment program (VM) provided in the employee wireless terminal 995. desirable.

Referring to FIG. 9, the relay server 940 connects a predetermined communication channel through the interface unit 960 in the employee wireless terminal 995 and authenticates the customer wireless terminal 990 through the communication channel. In the case of requesting a card payment through the device, the card information and payment amount information corresponding to the customer card transmitted from the employee wireless terminal 995 in connection with the interface unit 960 are received, or the authentication information is received. An information receiver 955 is provided.

In addition, when the relay server 940 receives card information, payment amount information, or authentication information from the employee wireless terminal 995 through the information receiving unit 955, the relay server 940 is connected to the interface unit 960. And confirming predetermined employee wireless terminal 995 information corresponding to the employee wireless terminal 995. When the card information corresponding to the customer card is received through the information receiving unit 955, the card information. An information checking unit 950 for extracting BIN information included in the BIN information and checking predetermined card company information corresponding to the card information by comparing the extracted BIN information with BIN information stored in the BIN information D / B 965. It characterized by comprising a.

In addition, the relay server 940, the card information and payment amount information corresponding to the customer card is received through the information receiving unit 905, the employee wireless terminal 995 through the information confirmation unit 950 When the information and the card company information is confirmed, the information transmission unit for transmitting the card information corresponding to the customer card, payment amount information and employee wireless terminal 995 information to a predetermined card company server 900 corresponding to the confirmed card company information 935 is provided.

Subsequently, when predetermined authentication information is received from the confirmed employee wireless terminal 995 through the information receiving unit 955, the information transmitting unit 9937 has the predetermined information corresponding to the confirmed card company information. It is characterized in that the transmission to the card company server (900).

In the employee wireless terminal 995, card information corresponding to the customer card and payment amount information corresponding to the customer card are provided through at least one user interface included in the customer wireless terminal 990 certified payment interface screen included in the payment program (VM). When input and transmitted, the information receiving unit 955 may receive card information and payment amount information corresponding to the customer card in association with the interface unit 960.

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

In addition, the payment amount information, it is preferable that the customer includes the amount that the customer wants to process the payment through the customer card corresponding to the product (or service) provided to the customer.

When the card information and the payment amount information corresponding to the customer card are received from the employee wireless terminal 995 through the information receiving unit 955, the information checking unit 950 is connected with the interface unit 960 to receive the card information. Characterized in that predetermined employee wireless terminal 995 information corresponding to the employee wireless terminal 995, extracting the BIN information contained in the card information received through the information receiving unit 955, and the extraction Compare the BIN information with the BIN information stored in the BIN information D / B 965 to confirm predetermined card company information corresponding to the card information.

When the card information and the payment amount information corresponding to the customer card are received through the information receiving unit 955, and the employee wireless terminal 995 information and the card company information are confirmed through the information checking unit 950, the information is received. The transmission unit 945 transmits card information, payment amount information, and employee wireless terminal 995 information corresponding to the customer card to a predetermined card company server 900 corresponding to the confirmed card company information through a predetermined communication network. It is characterized by.

Thereafter, the card company server 900 validates a predetermined validity of the card payment through authentication of the customer wireless terminal 990 based on the card information corresponding to the customer card, payment amount information, and employee wireless terminal 995 information. After authentication, the predetermined authentication information is provided to the customer wireless terminal 990. The authentication information is inputted through a predetermined customer wireless terminal 990 authenticated payment interface screen provided to the employee wireless terminal 995. The relay server 940 is transmitted.

When the employee wireless terminal 995 inputs and transmits the authentication information through at least one user interface included in the customer wireless terminal 990 certified payment interface screen included in the payment program (VM), the information receiver In operation 955, the authentication information is received in association with the interface unit 960.

When the authentication information is received from the employee wireless terminal 995 through the information receiving unit 955, the information checking unit 950 corresponds to the employee wireless terminal 995 in association with the interface unit 960. Characterized in the predetermined employee wireless terminal 995 information, characterized in that the predetermined card company information corresponding to the confirmed employee wireless terminal (995) information.

When the authentication information is received through the information receiving unit 955, and the employee wireless terminal 995 information and the card company information are confirmed through the information checking unit 950, the information transmitting unit 945 determines a predetermined communication network. Through the authentication information and employee wireless terminal 995 information is characterized in that for transmitting to the predetermined card company server 900 corresponding to the confirmed card company information.

Thereafter, the card company server 900, after authenticating the validity of the authentication information, characterized in that for processing the payment amount through the card information corresponding to the customer card.

Referring to FIG. 9, the card company server 900 receives information corresponding to the customer card, payment amount information, and employee wireless terminal 995 information from the relay server 940 through a predetermined communication network. A validator 910 (or validity) for checking the validity of the receiving unit 955 (or information receiving means), the card information corresponding to the received customer card, payment amount information and employee wireless terminal 995 information. Identification means), an information generation unit 915 (or information generating means) for generating predetermined authentication information for card payment processing through authentication of a predetermined customer wireless terminal 990, and the generated authentication information on the card. An information storage unit 920 (or information storage means) for storing in a predetermined storage medium 985 in association with the information, and an information transmission unit 935 (or for transmitting the authentication information to the customer wireless terminal 990). Information transmission means) And an authentication information receiver 925 (or authentication information receiving means) for receiving the authentication information transmitted from the employee wireless terminal 995, and the received authentication information and the storage medium 985. And a payment approval processing unit 930 (or payment approval processing means) for comparing the stored authentication information and approving the payment corresponding to the payment amount information.

According to another exemplary embodiment of the present invention, when the affiliated store D / B 975 is provided in the relay server 940, the validity checking unit 910 checks the validity of the employee wireless terminal 995. It is possible to include as a functional configuration of the server 940, in this case, the information receiver 955 does not receive the employee radio terminal 995 information, thereby the present invention is not limited.

The information receiving unit 955 receives card information corresponding to the customer card, payment amount information, and employee wireless terminal 995 information from the relay server 940 through a predetermined communication network.

When the card information, the payment amount information, and the employee wireless terminal 995 information are received through the information receiving unit 905, the validity confirming unit 910 is connected to the affiliated store D / B 975 and the employee wireless terminal. Check whether 995 includes valid employee wireless terminal 995 information registered for card payment through authentication of the customer wireless terminal 990 through the merchant information registration system shown in FIG. 5 or FIG. It is characterized by.

In addition, when the card information corresponding to the customer card is received through the information receiving unit 905, the validity checking unit 910 is associated with the card information in conjunction with a predetermined customer card information D / B (980) The customer card is issued by the card company, it characterized in that the card payment through the customer wireless terminal 990 authentication is possible.

In addition, when the card information and payment amount information corresponding to the customer card is received through the information receiving unit 905, the validity verification unit 910 checks whether the payment amount can be processed through the customer card. It is characterized by.

According to an exemplary embodiment of the present invention, if the customer card is a credit card, the validity checking unit 910 is linked with a predetermined customer card information D / B 980 and the credit limit amount of the customer card sets the payment amount. 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, the validity checking unit 910 may determine a balance of the financial account associated with the customer card in connection with predetermined customer card information D / B 980. It is preferable to check whether the payment amount satisfies the conditions for payment processing.

When the validity check unit 910 confirms the validity of the card information corresponding to the received customer card, payment amount information and employee wireless terminal 995 information, the information generation unit 915 is a predetermined customer Characterized by generating a predetermined authentication information for the card payment processing through the wireless terminal 990 authentication, the information storage unit 920 by linking the generated authentication information with the card information corresponding to the customer card And store the data in a predetermined storage medium 985.

Here, the authentication information preferably comprises at least one number, letters, symbols that can be input through a key input function provided in the employee wireless terminal 995.

When the authentication information is generated by the information generating unit 915, the information transmitting unit 935 transmits the authentication information to the customer wireless terminal 990, and the authentication information receiving unit 925 Is characterized in that for receiving the authentication information transmitted to the customer wireless terminal 990 from the employee wireless terminal 995.

According to an exemplary embodiment of the present invention, the information transmitter 945 preferably transmits the authentication information and the customer wireless terminal 990 information to a predetermined wireless message server (not shown). The message server preferably transmits a wireless message including the authentication information to the customer wireless terminal 990 through a predetermined wireless communication network based on the customer wireless terminal 990 information.

According to another exemplary embodiment of the present invention, the information transmitting unit 945 transmits the authentication information and the customer wireless terminal 990 information to the relay server 940 (eg, a relay server has a wireless message transmission function). In this case, the relay server 940 includes the authentication information to the customer wireless terminal 990 through a predetermined wireless communication network based on the customer wireless terminal 990 information. It is desirable to send a message.

According to another exemplary embodiment of the present invention, the information transmitter 945 includes the authentication information to the customer wireless terminal 990 through a predetermined wireless communication network based on the customer wireless terminal 990 information. It is desirable to send a wireless message directly.

The authentication information transmitted to the customer wireless terminal 990 is input through the employee wireless terminal 995 and received by the relay server 940 through the wireless communication network, and the relay server 940 is connected to a predetermined communication network. The authentication information is transmitted to the card company server 900 through the authentication information receiving unit 925, characterized in that for receiving the authentication information from the relay server 940 through the communication network.

According to another exemplary embodiment of the present invention, the authentication information receiver 925 may directly receive the authentication information from the employee wireless terminal 995 through a wireless communication network to which the employee wireless terminal 995 is connected. Thereby, this invention is not limited.

When the authentication information is received through the authentication information receiving unit 925, the payment approval processing unit 930 compares the received authentication information with the authentication information stored in the storage medium 985 to check the validity of the authentication information. It is characterized by checking.

If the validity of the authentication information is authenticated, the payment approval processing unit 930 may perform payment approval processing of the payment amount through the customer card.

According to an exemplary embodiment of the present invention, if the customer card is a credit card, the payment approval processing unit 930 preferably processes the payment amount within the credit limit amount of the customer card.

According to another embodiment of the present invention, if the customer card is a check card (or debit card), the payment approval processing unit 930 withdraws the payment amount within the balance of the account associated with the customer card to approve payment It is preferable to process.

Thereafter, the information transmitter 945 transmits the predetermined payment history information approved by the payment approval processor 930 to the customer wireless terminal 990 and the employee wireless terminal 995.

10 is a diagram illustrating a card information transmission / reception process for card payment processing through authentication of a customer wireless terminal 990 according to an embodiment of the present invention.

In more detail, in FIG. 10, when a predetermined customer provides card information corresponding to a predetermined customer card to a predetermined employee wireless terminal 995, the employee wireless terminal 995 uses a predetermined payment program (VM). The card information and the predetermined payment amount information are inputted and transmitted to a predetermined relay server 940 through a predetermined wireless communication network, and the card information and payment amount information corresponding to the card information are transmitted from the relay server 940. When transmitting to a predetermined card company server 900, the card company server 900 is a process for checking the validity of the card information, if the person having ordinary knowledge in the technical field to which the present invention belongs, Figure 10 By referring to and / or modified it can be inferred various implementation methods for the card information transmission and reception process for the card payment processing through the customer wireless terminal 990 authentication, the present invention Is made, including any exemplary method of inference, to which the technical feature that is not limited to the exemplary method shown in the figure 10.

For example, when the affiliated store D / B 975 is provided in the relay server 940 according to another exemplary embodiment of the present invention, validation of the employee wireless terminal 995 information is performed in the relay server 940. Preferably, in this case, among the information transmitted from the relay server 940 to the card company server 900, the employee wireless terminal 995 information may be replaced with terminal specific information (or affiliate store information).

Referring to FIG. 10, the employee wireless terminal 995 drives a predetermined payment program (VM) 1000 for card payment processing through authentication of the customer wireless terminal 990 (1000), and runs the payment program (VM). A user interface for inputting card information and payment amount information for card payment processing through authentication of the customer wireless terminal 990 is output (1005).

Thereafter, the employee wireless terminal 995 checks whether card information corresponding to the customer card provided by the customer and predetermined payment amount information are input through a user interface provided in the payment program VM (1010).

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

In addition, the payment amount information, it is preferable that the customer includes the amount that the customer wants to process the payment through the customer card corresponding to the product (or service) provided to the customer.

If card information and payment amount information corresponding to the customer card are input through the user interface (1015), the employee wireless terminal 995 transmits the card information and payment amount information to the relay server 940 through the wireless communication network. In step 1020, the relay server 940 confirms the employee wireless terminal 995 information and confirms predetermined card company information corresponding to the card information (1025).

According to an embodiment of the present invention, the employee wireless terminal 995 information is preferably confirmed based on a communication protocol defined in the wireless communication network, the relay server 940 to the wireless communication network according to the intention of those skilled in the art It is possible to confirm the employee wireless terminal 995 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 965 shown in FIG. 9 in the relay server 940. It is desirable to confirm card company information.

Thereafter, the relay server 940 transmits the card information, the payment amount information, and the employee wireless terminal 995 information to the card company server 900 corresponding to the confirmed card company information through a predetermined communication network (1030). In response, the card company server 900 checks the validity of the employee wireless terminal 995 information in association with the affiliated store D / B 975 (1035).

According to an exemplary embodiment of the present invention, the card company server 900 checks whether the employee wireless terminal 995 information is provided in the affiliated store D / B 975, thereby validating the employee wireless terminal 995 information. It is desirable to check.

If the validity of the employee wireless terminal (995) information is not confirmed (1040), the card company server 900 generates a predetermined payment error information through the relay server 940 the employee wireless terminal (995) Transmit (1065).

On the other hand, when the validity of the employee wireless terminal 995 information is confirmed (1040), the card company server 900 checks the validity of the card information (1045).

According to the method of the present invention, the card company server 900 is linked to the customer card information D / B (980) for storing the card information issued by the card company customer card corresponding to the card information in the card company It is preferable to check the validity of the card information by issuing and confirming that the card payment processing through the customer wireless terminal 990 authentication is possible.

If the validity of the card information is not confirmed (1050), the card company server 900 generates predetermined payment error information and transmits the predetermined payment error information to the employee wireless terminal 995 through the relay server 940 (1065). ).

On the other hand, if the validity of the card information is confirmed (1050), the card company server 900 checks the validity of the payment approval for the payment amount information through the customer card corresponding to the card information (1055).

According to an embodiment of the present invention, if the customer card is a credit card, the card company server 900 is linked with a predetermined customer card information D / B 980, the credit limit amount of the customer card to settle the payment amount It is desirable to confirm that the conditions that can be processed are satisfied.

According to another embodiment of the present invention, if the customer card is a check card, the card company server 900 is associated with a predetermined customer card information D / B (980) the balance of the financial account associated with the customer card is It is desirable to check whether the payment amount satisfies the conditions for payment processing.

If the validity of payment approval for the payment amount is not confirmed (1060), the card company server 900 generates predetermined payment error information and transmits the predetermined payment error information to the employee wireless terminal 995 through the relay server 940. (1065).

On the other hand, if the validity of payment approval for the payment amount is confirmed (1060), the card company server 900 performs a process of generating predetermined authentication information corresponding to the card information and transmitting it to the customer wireless terminal 990. .

11 is a diagram illustrating a card information transmission / reception process for card payment processing through authentication of a customer wireless terminal 990 according to another embodiment of the present invention.

In more detail, in FIG. 11, when a predetermined customer provides card information corresponding to a predetermined customer card to a predetermined employee wireless terminal 995, the employee wireless terminal 995 uses a predetermined payment program (VM). When the card information and the predetermined payment amount information are input and transmitted to a predetermined card company server 900 corresponding to the card information through a predetermined wireless communication network, the card company server 900 checks the validity of the card information. As a process, those of ordinary skill in the art to which the present invention pertains, refer to and / or modify this figure 11 in the card information transmission and reception process for the card payment processing through the customer wireless terminal 990 authentication Various implementation methods may be inferred, but the present invention includes all the implementation methods inferred, and only the implementation method shown in FIG. The technical features are not limited.

Referring to FIG. 11, the employee wireless terminal 995 drives a predetermined payment program (VM) for card payment processing through authentication of the customer wireless terminal 990 (1100), and runs the payment program (VM). A user interface for inputting card information and payment amount information for card payment processing through authentication of the customer wireless terminal 990 is output through 1105.

Thereafter, the employee wireless terminal 995 confirms whether card information corresponding to the customer card provided by the customer and predetermined payment amount information are input through a user interface provided in the payment program VM (1110).

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

In addition, the payment amount information, it is preferable that the customer includes the amount that the customer wants to process the payment through the customer card corresponding to the product (or service) provided to the customer.

If the card information and the payment amount information corresponding to the customer card are input through the user interface (1115), the predetermined card company information corresponding to the card information is checked (1120), and the card information and the like through the wireless communication network. The payment amount information is transmitted to the card company server 900 corresponding to the confirmed card company information (1125).

According to the method of the present invention, it is preferable that the employee wireless terminal reads the BIN information included in the card information to check card company information corresponding to the card information.

Thereafter, the card company server 900 checks the validity of the employee wireless terminal 995 information in association with the affiliated store D / B 975 (1130).

According to an exemplary embodiment of the present invention, the card company server 900 checks whether the employee wireless terminal 995 information is provided in the affiliated store D / B 975, thereby validating the employee wireless terminal 995 information. It is desirable to check.

If the validity of the employee wireless terminal (995) information is not confirmed (1135), the card company server 900 generates a predetermined payment error information through the relay server 940 the employee wireless terminal (995) In step 1160.

On the other hand, if the validity of the employee wireless terminal 995 information is confirmed (1135), the card company server 900 checks the validity of the card information (1140).

According to the method of the present invention, the card company server 900 is linked to the customer card information D / B (980) for storing the card information issued by the card company customer card corresponding to the card information in the card company It is preferable to check the validity of the card information by issuing and confirming that the card payment processing through the customer wireless terminal 990 authentication is possible.

If the validity of the card information is not confirmed (1145), the card company server 900 generates predetermined payment error information and transmits the predetermined payment error information to the employee wireless terminal 995 through the relay server 940 (1160). ).

On the other hand, if the validity of the card information is confirmed (1145), the card company server 900 checks the validity of the payment approval for the payment amount information through the customer card corresponding to the card information (1150).

According to an embodiment of the present invention, if the customer card is a credit card, the card company server 900 is linked with a predetermined customer card information D / B 980, the credit limit amount of the customer card to pay the payment amount It is desirable to confirm that the conditions that can be processed are satisfied.

According to another embodiment of the present invention, if the customer card is a check card, the card company server 900 is associated with a predetermined customer card information D / B (980) the balance of the financial account associated with the customer card is It is desirable to check whether the payment amount satisfies the conditions for payment processing.

If the validity of payment approval for the payment amount is not confirmed (1155), the card company server 900 generates predetermined payment error information and transmits the predetermined payment error information to the employee wireless terminal 995 through the relay server 940. (1160).

On the other hand, if the validity of payment approval for the payment amount is confirmed (1155), the card company server 900 performs a process of generating predetermined authentication information corresponding to the card information and transmitting it to the customer wireless terminal 990. .

12 is a diagram illustrating a process of generating authentication information for card payment processing through authentication of a customer wireless terminal 990 according to an embodiment of the present invention and transmitting the authentication information to the customer wireless terminal 990.

* In more detail, in FIG. 12, the card information and the payment amount information are received from the employee wireless terminal 995 through the card information transmission and reception process illustrated in FIG. 10 or 11, and received by the card company server 900. When the card company server 900 validates the employee wireless terminal 995 and card information validity, the card company server 900 generates predetermined authentication information corresponding to the card information to the customer wireless terminal 990. As a process for transmitting, if the person having ordinary knowledge in the technical field to which the present invention belongs, the authentication information for card payment processing through the customer wireless terminal 990 authentication by referring to and / or modified in the present Figure 12 Although various implementation methods for the process of generating and transmitting to the customer wireless terminal 990 may be inferred, the present invention includes all the implementation methods inferred However, the technical features are not limited only to the implementation method illustrated in FIG. 12.

Referring to FIG. 12, through the card information transmission and reception process illustrated in FIG. 10 or 11, the card information and the payment amount information are received from the employee wireless terminal 995 to the card company server 900. If the employee wireless terminal 995 and the card information validity is confirmed at 900, the card company server 900 generates predetermined authentication information corresponding to the card information at 1200.

Here, the authentication information preferably comprises at least one number, letters, symbols that can be input through a key input function provided in the employee wireless terminal 995.

If the authentication information is generated (1205), the card company server 900 stores the authentication information in the storage medium (985) in association with the card information (1210), the customer wireless via a predetermined wireless communication network In operation 1215, a predetermined wireless message including the authentication information is transmitted to the terminal 990.

According to an exemplary embodiment of the present invention, the card company server 900 preferably transmits the authentication information and the customer wireless terminal 990 information to a predetermined wireless message server (not shown). The server preferably transmits a wireless message including the authentication information to the customer wireless terminal 990 through a predetermined wireless communication network based on the customer wireless terminal 990 information.

According to another exemplary embodiment of the present invention, the card company server 900 transmits the authentication information and the customer wireless terminal 990 information to the relay server 940 (for example, when the relay server has a wireless message transmission function). Preferably, the relay server 940 transmits a wireless message including the authentication information to the customer wireless terminal 990 through a predetermined wireless communication network based on the customer wireless terminal 990 information. It is desirable to send it.

According to another exemplary embodiment of the present invention, the card company server 900 includes the authentication information to the customer wireless terminal 990 through a predetermined wireless communication network based on the customer wireless terminal 990 information. It is desirable to send the message directly.

According to an embodiment of the present invention, the authentication information transmitted to the customer wireless terminal 990 is input through the employee wireless terminal 995 through the payment approval process shown in FIG. Received to the 900, the card company server 900 preferably compares the received authentication information and the stored authentication information to the card payment through the customer wireless terminal 990 authentication processing.

FIG. 13 is a diagram illustrating a payment approval process for card payment processing through authentication of a customer wireless terminal 990 according to an exemplary embodiment of the present invention.

In more detail, in FIG. 13, after predetermined authentication information is transmitted to the customer wireless terminal 990 through the authentication information transmission process illustrated in FIG. 12, the authentication information is inputted by the employee wireless terminal 995. When the card company server 900 is transmitted to the card company server 900 through the relay server 940, the card company server 900 approves card payment through authentication of the customer wireless terminal 990 through validity of the authentication information. As for the process, if one of ordinary skill in the art to which the present invention belongs, with reference to and / or modified in this figure 13 for the payment approval process for card payment processing through the customer wireless terminal 990 authentication. Various implementation methods may be inferred, but the present invention includes all the implementation methods inferred, and the technical features of the present invention are limited to only the implementation method shown in FIG. Shall not.

Referring to FIG. 13, the employee wireless terminal 995 transmits the card information and the payment amount information in the process of transmitting and receiving the card information shown in FIG. 10 or 11, and then the payment program (VM). Outputs a user interface for inputting predetermined authentication information, and whether the predetermined authentication information transmitted to the customer wireless terminal 990 is input through the user interface through the authentication information transmission process shown in FIG. Check (1300).

If predetermined authentication information transmitted to the customer wireless terminal 990 is input through the authentication information transmission process shown in FIG. 12 (1305), the employee wireless terminal 995 transmits the authentication information through the wireless communication network. Transmits to the relay server 940 (1310), and in response, the relay server 940 confirms card company information corresponding to the employee wireless terminal 995 information (1315), and the card company through the communication network. The authentication information is relayed and transmitted to the card company server 900 corresponding to the information (1320).

Thereafter, the card company server 900 compares the received authentication information with the authentication information stored in the storage medium 985 to check the validity of payment for the card payment processing through the authentication of the customer wireless terminal 990 (1325). ).

If the payment validity for the card payment processing through the customer wireless terminal 990 authentication is not confirmed (1330), the card company server 900 generates a predetermined payment error information and through the relay server 940 Send to employee wireless terminal 995 (1335).

On the other hand, if the payment validity for the card payment processing through the customer wireless terminal 990 authentication is confirmed (1330), the card company server 900 performs the payment approval process through the customer card corresponding to the card information. (1340).

According to an embodiment of the present invention, if the customer card is a credit card, the card company server 900 preferably processes the payment amount within the credit limit of the customer card.

According to another embodiment of the present invention, if the customer card is a check card (or debit card), the card company server 900 withdraws the payment amount within the balance of the account associated with the customer card payment approval processing It is desirable to.

If the payment is processed through the customer card payment approval (1345), the card company server 900 generates a predetermined payment approval information and transmits to the employee wireless terminal 995 through the relay server 940. (1350).

FIG. 14 is a diagram illustrating a payment approval process for card payment processing through authentication of a customer wireless terminal 990 according to another exemplary embodiment of the present invention.

In more detail, in FIG. 14, after predetermined authentication information is transmitted to the customer wireless terminal 990 through the authentication information transmission process illustrated in FIG. 12, the authentication information is input by the employee wireless terminal 995. When the card company server 900 is transmitted through a wireless communication network, the card company server 900 is a process for approving card payment through authentication of the customer wireless terminal 990 through checking the validity of the authentication information. For those of ordinary skill in the art to which the present invention pertains, various implementation methods for the payment approval process for card payment processing through the customer wireless terminal 990 authentication by referring to and / or modifying the drawing 14 are described. It may be inferred, but the present invention includes all the implementation methods inferred, and the technical features are not limited only to the implementation method shown in FIG. No.

Referring to FIG. 14, the employee wireless terminal 995 transmits the card information and the payment amount information in the process of transmitting and receiving the card information shown in FIG. 10 or 11, and then the payment program (VM). Outputs a user interface for inputting predetermined authentication information, and whether the predetermined authentication information transmitted to the customer wireless terminal 990 is input through the user interface through the authentication information transmission process shown in FIG. Check (1400).

If predetermined authentication information transmitted to the customer wireless terminal 990 is input through the authentication information transmission process shown in FIG. 12 (1405), the employee wireless terminal 995 transmits the authentication information through the wireless communication network. To transmit to the card company server 900 (1410).

Thereafter, the card company server 900 compares the received authentication information with the authentication information stored in the storage medium 985 to check the validity of the payment for the card payment processing through the authentication of the customer wireless terminal 990 (1415). ).

If the payment validity for the card payment processing through the authentication of the customer wireless terminal 990 is not confirmed (1420), the card company server 900 generates predetermined payment error information and transmits it to the employee wireless terminal 995. (1425).

On the other hand, if the payment validity for the card payment processing through the customer wireless terminal 990 authentication is confirmed (1420), the card company server 900 performs the payment approval process through the customer card corresponding to the card information. (1430).

According to an embodiment of the present invention, if the customer card is a credit card, the card company server 900 preferably processes the payment amount within the credit limit of the customer card.

According to another embodiment of the present invention, if the customer card is a check card (or debit card), the card company server 900 withdraws the payment amount within the balance of the account associated with the customer card payment approval processing It is desirable to.

If the payment amount is approved through the customer card (1435), the card company server 900 generates a predetermined payment approval information and transmits to the employee wireless terminal (995) (1440).

According to the present invention, a wireless terminal for card payment through the customer wireless terminal authentication of the employee wireless terminal possessed by a representative driver, courier, door-to-door sales staff, etc. By registering as, there is an advantage in the process of convenient and simple electronic payment payment at each sales / sales site through the employee wireless terminal without a separate payment terminal.

Claims (2)

Storing the mobile phone information of the customer and the card information of the customer in the database 1 and storing the mobile phone information of the merchant employee and the terminal-specific information (or merchant information) of the affiliated terminal provided in the affiliated store in the database 2. Information registration means; Information receiving means for receiving card information and payment amount information of a customer from a mobile phone of the affiliated employee; Validity checking means for confirming mobile phone information transmitting the card information and payment amount information and confirming whether the mobile phone information is mobile phone information of the affiliated employee through the database (2); Information transmission means for transmitting the authentication information generated in response to the card information to the customer mobile phone connected to the card information when the mobile phone is identified as the mobile phone of the affiliated employee; And When the authentication information is received from the mobile phone of the affiliated employee, the authentication information transmitted to the customer mobile phone is compared with the authentication information received from the mobile phone of the affiliated employee, and when matched, the card information received from the mobile phone of the affiliated employee and the And a payment approval processing means for processing payment approval for the payment amount through terminal-specific information (or merchant information) stored in the database 2 in association with the mobile phone information of the employee. Card payment system through. The method of claim 1, wherein the validation means, Comparing the card information received from the mobile phone of the merchant employee with the card information of the customer stored in the database (1) further characterized in that the card information is card information that can be paid by using the mobile phone of the merchant employee Card payment system through employee mobile phone authentication.

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