KR20090081990A - Method and apparatus for controlling gero charge payment by using mobile communication terminal - Google Patents

Abstract

A method and an apparatus for controlling gyro charge payment by using a mobile communication terminal are provided to enable fast payment of gyro by directly transmitting barcode information of gyro charge to a mobile communication terminal. A method for controlling gyro charge payment by using a mobile communication terminal(100) comprises the steps of: generating barcode information corresponding to the specific gyro payment information; transmitting the generated barcode information to a mobile communication terminal of a responsible person for the payment in callback URL type; receiving a signal that confirms the payment for the gyro charge information from the mobile communication terminal; and controlling the normal payment for the gyro charge information when the signal is received.

Description

METHOD AND APPARATUS FOR CONTROLLING GERO CHARGE PAYMENT BY USING MOBILE COMMUNICATION TERMINAL}

The present invention relates to a method and apparatus for payment of Giro, and more particularly, to a method and apparatus for payment of Giro using a mobile communication terminal.

The price of goods that are delivered to consumers on a regular basis, the price of regular recurring services, and the price of goods when a customer who cannot purchase a credit card by purchasing a predetermined product by installment are not covered by the company. It is issued to customers and pays Jiro payments directly to the bank's counters by visiting the bank with a Jiro bill.

However, the above payment method by Jiro, there is a problem that causes a significant inconvenience to the consumer because the consumer must visit the financial institution directly for the payment settlement.

In order to solve the above inconvenience, there is provided a method of encrypting and paying the Giro payment through internet communication. This is done by the bank, the billing authority, and the settlement agency involved in the authentication process of the two institutions. Payment can be made.

However, the above-mentioned Internet bill payment has to have a terminal capable of internet communication, and has a disadvantage of inputting a lot of information related to the bill of bills.

The present invention has been made to solve the above-mentioned problems of the prior art, and provides a bill payment method and apparatus for providing a new method for directly transmitting a bar code information of a bill of land on a payment server side to a specific mobile communication terminal. Its purpose is to.

In addition, an object of the present invention is to provide a payment server by providing the bar code information of the Jiro fare through the camera module or the scan module of the mobile communication terminal to the payment server.

In addition, an object of the present invention is to enable the payment of Jiro fees through the WAP communication function of the mobile communication terminal by inputting customer number information of the fee information using a keypad module of the mobile communication terminal. .

In addition, an object of the present invention is to configure a menu in the form of a virtual machine for a payment function in a mobile communication terminal, so that payment can be made through simple operation.

In addition, the present invention has a purpose to enable the payer to pay by the payment method desired by the user because the payment method can be variously selected in the payment menu configuration.

In addition, an object of the present invention is to enable a direct connection to the payment server side through the rate guide information as received from the payment server side.

In order to achieve the above object and to solve the above-mentioned problems of the prior art, a method for payment of a jiro using a mobile communication terminal according to an embodiment of the present invention comprises the steps of generating a bar code information corresponding to the specific jiro fee information; Transmitting the generated barcode information to a mobile communication terminal of a paying obligator for payment information on the specific location by a callback URL type, and confirming payment of the payment information on the specific location by the mobile communication terminal. Receiving a signal and, if the signal is received, controlling the payment to the billing information to the specific place to be made normally.

In order to achieve the above object and to solve the above-mentioned problems of the prior art, the method of payment of the jiro fee using the mobile communication terminal according to another embodiment of the present invention is a particular jiro fee using the image extraction module of the mobile communication terminal Extracting barcode information corresponding to the information to generate image information on the extracted barcode information, transmitting the generated image information from the mobile communication terminal to a payment server, and receiving the received from the payment server. Extracting giro fee information corresponding to the image information, transmitting payment request information corresponding to the extracted geography fee information to the mobile communication terminal, and receiving the received payment from the mobile communication terminal side Transmitting the payment information for the request information to the payment server side Step, the payment server side transmits the approval request signal for the payment information to the mobile communication company server subscribed to the mobile communication terminal, the mobile communication company server side transmits the approval signal for the approval request signal to the payment server And transmitting the payment result information of the approved payment information from the payment server side to the branch billing server side and, when the payment result information is transmitted from the payment server side to the branch billing server side, And transmitting billing information from the server side to the branch billing server side.

The present invention may further include transmitting, by the payment server side, the branch fee guide information for the specific branch fee information to the mobile communication terminal.

In addition, the image extraction module of the present invention is any one of a camera module or a scan module configured in the mobile communication terminal, the image information is information generated using the bar code information photographed or scanned through the image extraction module.

In order to achieve the above object and to solve the above-mentioned problems of the prior art, the giro billing method using the mobile communication terminal according to another embodiment of the present invention is a particular geo-rate information through the image extraction module of the mobile communication terminal Receiving image information generated by extracting the bar code information for the step, Extracting the billing information corresponding to the received image information, Payment request information corresponding to the extracted billing information to the mobile communication terminal Transmitting, receiving payment information regarding the transmitted payment request information from the mobile communication terminal, transmitting an approval request signal for the payment information to a mobile communication company server to which the mobile communication terminal subscribes, and accepting the approval. Receiving an acknowledgment signal for the request signal from the mobile carrier server System and the Jiro comprising transmitting the payment result information of the payment approval information to the billing server.

In order to achieve the above object and to solve the above-mentioned problems of the prior art, the method of payment of the Jiro fee using the mobile communication terminal according to another embodiment of the present invention is a specific jiro fee authorized through the keypad module of the mobile communication terminal Receiving customer number information on the information, extracting bill information corresponding to the received customer number information, transmitting payment request information corresponding to the extracted bill information to the mobile communication terminal; Receiving payment information for the transmitted payment request information from the mobile communication terminal, transmitting an approval request signal for the payment information to a mobile communication company server to which the mobile communication terminal is subscribed, and approving the approval request signal. Receiving a signal from the mobile operator server and the branch fee Old and transmitting the payment approval result information of the billing information to the server.

In order to achieve the above object and to solve the above-mentioned problems of the prior art, the giro billing apparatus using a mobile communication terminal according to an embodiment of the present invention is extracted by extracting the bar code information for a particular giro fee information; An image extraction module for generating image information corresponding to bar code information, an image information transmission module for transmitting the generated image information to a payment server, and a payment request for billing information corresponding to the image information extracted by the payment server A payment request information receiving module for receiving information, a payment information transmitting module for transmitting payment information for the received payment request information to the payment server, and a payment result receiving module for receiving payment result information for the payment information; .

In order to achieve the above object and to solve the above-mentioned problems of the related art, a keypad payment device using a mobile communication terminal according to another embodiment of the present invention, the keypad module for applying customer number information for the specific bill information A customer information transmission module for transmitting the authorized customer number information to a payment server, a payment request information reception module for receiving payment request information for fee information corresponding to the image information extracted by the payment server, and the received information It includes a payment information transmission module for transmitting payment information for payment request information to the payment server and a payment result receiving module for receiving payment result information for the payment information.

According to the present invention, by providing a new method for transmitting the bar code information of the Jiro fee directly from the payment server side to the specific mobile communication terminal side, payment of the Jiro fee can be made more quickly and easily. For example, as the method of transmitting the barcode information, it is possible to obtain the above-described effect by using a callback URL method.

In addition, according to the present invention, through the camera module or the scan module of the mobile communication terminal, the bar code information of the Jiro can be imaged and provided to the payment server, whereby the fee information can be settled.

In addition, according to the present invention, by inputting the customer number information of the fee information by using the keypad module of the mobile communication terminal, there is an advantage that the payment of the Jiro fee through the WAP communication function of the mobile communication terminal.

In addition, according to the present invention by configuring a menu of the virtual machine type for the payment function in the mobile communication terminal, there is an advantage that payment is possible through a simple operation.

In addition, according to the present invention, since the payment method can be variously selected in the payment menu configuration, there is an advantage that the payer can pay with the payment method desired by the payer.

In addition, according to the present invention there is an advantage that can be directly connected to the payment server side through the rate guide information received from the payment server side.

Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings and the contents described in the accompanying drawings, but the present invention is not limited or limited to the embodiments.

1 is a block diagram showing the configuration of a Jiro fare payment system according to an embodiment of the present invention.

The system of the present invention receives the information of the mobile communication terminal 100, the mobile communication terminal 100, the image extraction module and the keypad module is configured, the payment server for controlling the authentication of the bill payment and payment flow with other servers ( 200), the mobile communication terminal 100 is composed of a mobile carrier server 300 subscribed to and a billing server 400 to finally settle the bill.

In addition, the present invention can be applied to a variety of terminals, such as a personal digital assistant (PDA), a smart phone, a handheld PC, a mobile phone, and the like included in the mobile communication terminal 100, and to a personal computer PC. Applicable

In one embodiment of the present invention, the payment server 200 generates the bar code information corresponding to the billing information of a particular branch, and the obligation to pay the billing information of the billing URL information, the call bar URL type generated, for example To the mobile communication terminal 100 side.

At this time, the mobile communication terminal 100 transmits a signal for confirming payment of the fee information to the specific location, for example, simply by applying a 'confirmation' button. In addition, the payment server 200 receives the signal and controls the payment to the billing information to be made normally. The control may be designed to be performed through wired or wireless communication between the payment server 200 side and the mobile communication company server 300 or the branch billing server 400 side.

On the other hand, according to another embodiment of the present invention, by using the bar code information extracted by the image extraction module of the mobile communication terminal 100 to generate image information, and transmits the generated image information to the payment server 200 A method of providing payment processing according to the relevant branch fee information is provided, and the system configuration of the present invention will be described sequentially according to the above method.

The present invention can process all the payment information available for payment through the payment server 200, such as various bills or bills added to the customer owning the mobile communication terminal 100, the payment server 200 as described above The payment guide information can be transmitted to the mobile communication terminal 100 for guidance.

In this case, the mobile communication terminal 100 may access a WAP (WAP) page of the payment server 200 and process payment information or payment fee information according to the guide information.

That is, the payment server 200 of the present invention transmits the branch fee guide information for the specific branch fee information to the mobile communication terminal 100, and the mobile terminal 100 swaps a page corresponding to the branch fee information. You can pay for the fare information by accessing the website.

The branch fee guidance information may be provided as one of a callback uniform resource locator (URL), a short massage service (SMS), or a multimedia messaging system (MMS). For example, the branch fee information may be provided in the form of a callback URL. In this case, it is possible to immediately access the corresponding swap page using a specific key of the mobile communication terminal 100.

According to the present invention, the user who owns the mobile communication terminal 100 can access the corresponding swap page according to the guide fee information provided by the payment server 200 as described above, and move the fee information to a specific place that he / she wants to pay. By using the image extraction module configured in the communication terminal 100 to extract the bar code information of the Giro bills, convert the extracted bar code information into image information and transmits it to the payment server 200, the payment processing for the relevant Giro fee information Proceed.

Therefore, the mobile communication terminal 100 extracts bar code information corresponding to the toll information using a specific location using the image extraction module, and generates image information on the extracted bar code information.

In this case, the image extraction module is composed of various types of modules capable of extracting an image, for example, a camera module or a scan module configured in the mobile communication terminal 100.

In addition, the image information is information generated using barcode information photographed or scanned by the image extraction module, and the image extraction module may provide an automatic correction function for the accuracy of the image information.

Next, the mobile communication terminal 100 accesses the corresponding swap page of the payment server 200 and transmits the generated image information to the payment server 200 side.

Next, the payment server 200 extracts the fee information from the database as it corresponds to the received image information.

In this case, the user information provided from the mobile carrier server 300 subscribed to the user of the mobile communication terminal 100 and the branch fee information provided from the branch billing server 400 are stored in the database, and the billing server 200 is stored. Extracts fee information corresponding to the image information, the database may provide corresponding information corresponding to the image information. In addition, as a method of authenticating a user of the mobile communication terminal 100, the mobile communication terminal 100 may be implemented by using a database previously stored in the payment server 200, or communicating with the mobile communication company server 300. You can also implement

Next, the payment server 200 transmits payment request information corresponding to the extracted fee information to the mobile communication terminal 100.

In this case, the user who confirms the payment request information through the mobile communication terminal 100 determines whether to make a payment and transmits payment information about the received payment request information to the payment server using the mobile communication terminal 100. .

Next, the payment server 300 and the at least one payment means server, through the communication with the specific location is designed to make payment for the fare information. The at least one payment server may be, for example, at least one of a mobile telecommunication company server, a credit card company server, a bank transfer bank server, a prepaid card company server, or a point operator company server.

For convenience, in the present specification, as an embodiment, the case where the payment means server is a mobile communication company server will be described by way of example. However, the scope of the present invention is not limited to the mobile communication company server. It is also applicable, which is obvious through the claims.

Next, as an example, when the payment means server is a mobile communication company server, for example, will be described, the payment server 200 is a mobile communication terminal 100 is subscribed to the request signal for approval of the payment information Transmit to the mobile communication company server 300.

In this case, the mobile telecommunication company server 300 transmits an approval signal to the payment server 200 through whether the user of the mobile communication terminal 100 has subscribed and a user authentication procedure according to the approval request signal.

Next, the payment server 200 transmits payment result information of the approved payment information to the billing server 400.

At this time, the payment server 200 transmits the corresponding payment result information to the mobile communication terminal 100 so that the user can check the payment result.

Lastly, when the payment result information is transmitted to the billing server 400, the payment server 200 transmits billing information to the billing server 400 to bill the bill for the billing result information. It can be settled.

According to the present invention, the bar code information of the fee information is extracted and generated using the image extraction module of the mobile communication terminal 100 and transmitted to the payment server 200 to pay for the fee information. It is presenting a way to implement a system consisting of.

This invention will be described in detail as follows with reference to the detailed drawings.

2 is a block diagram showing the configuration of a mobile communication terminal of a giro billing apparatus according to an embodiment of the present invention, Figure 3 is a block diagram showing the configuration of a payment server of a giro billing apparatus according to an embodiment of the present invention It is also.

First, the mobile communication terminal 100 transmits the Jiro fee guide information for the particular Jiro fee information transmitted by the Jiro fee guide information transmitting module 201 of the payment server 200 through the Jiro fee guide information receiving module 110. Receive.

In this case, the Jiro fee guide information is provided from the payment server 200 in various forms such as a callback Uniform Resource Locator (URL), a Short Massage Service (SMS) or a Multimedia Messaging System (MMS), and the mobile communication terminal 100. The user may access the swap page of the payment server 200 according to the guide information and proceed with payment processing for the fee information to the specific place.

At this time, the mobile communication terminal 100 of the present invention includes a client module 190 that can drive menu information for executing each module configured in the mobile communication terminal 100, the client module 190 is a virtual machine ( It is preferably configured in a VM (Virtual Machine) manner.

4 illustrates an example of the guide information displayed on a mobile communication terminal according to an embodiment of the present invention.

For example, as illustrated in FIG. 4, when the branch fee guide information received by the branch fee information transmitting module 110 is in the form of a callback URL, the user directly goes to the payment server 200 through the callback URL. You can connect.

As another example, when the branch fee guide information is guided by SMS or MMS, the user may access the guide page of the corresponding payment server 200.

5 illustrates an example of menu information displayed on a mobile communication terminal according to an embodiment of the present invention.

The menu information includes a driving list related to the payment server 200 when accessing the swap page as shown in FIG. 5.

First, the mobile communication terminal 100 extracts bar code information for a specific road fee information by using the image extraction module 120 to process payment information for a specific road fee information, thereby obtaining image information corresponding to the extracted bar code information. Create

In this case, the image extraction module 120 is configured in various forms such as a camera module or a scan module, which is composed of a module capable of recognizing and extracting the barcode information and generating the extracted barcode information as image information. desirable.

The image information is generated by using barcode information photographed or scanned by the image extraction module 120. The image extraction module 120 recognizes the generated image information later by the payment server 200. A correction function may be provided to make it possible.

Next, the image information transmission module 130 transmits the generated image information to the payment server 200.

6 is an example of a diagram displaying a process of transmitting image information of a mobile communication terminal according to an embodiment of the present invention.

For example, when the user of the mobile communication terminal 100 selects the item 'payment of bill of land information' as item 2, as shown in FIG. 5, the user of the mobile communication terminal 100 may activate the item of 'transmission of information of the earth' as shown in FIG. In this case, the generated image information may be controlled to be transmitted to the payment server 200.

Next, the payment server 200 receives the image information through the image information receiving module 202, and reads the received image information using the image reading module 203.

The image reading module 203 provides a function of correcting the received image information into a more clear image for accurate information extraction later, and even when damaged image information is received, it can be returned to image information before being damaged. Technology may also be provided.

In addition, the present invention may use the customer number information for the specific branch fee information as well as the payment process for the specific branch fee information corresponding to the image information, thereby enabling the payment process for the specific branch fee information.

Therefore, the mobile communication terminal 100 authorizes the customer number information on the fee information through the keypad module 140 and the payment server 200 through the customer information transmission module 150 to the authorized customer number information. To send.

At this time, the payment server 200 receives the customer number information through the customer information receiving module 204.

As described above, the payment server 200 receiving the image information and the customer number information extracts the bill information corresponding to the image information by using the bill information extraction module 205, or the bill corresponding to the customer number information. Extract fee information.

The payment server 200 transmits payment request information corresponding to the extracted fee information to the mobile communication terminal 100 through the payment request information transmission module 206.

The mobile communication terminal 100 receives payment request information for fee information through the payment request information receiving module 160, corresponding to the image information or customer number information.

7 is a diagram illustrating payment request information displayed on a mobile communication terminal according to an embodiment of the present invention.

In this case, as shown in FIG. 7, for example, when the payment request information for the city gas fee is received, the mobile communication terminal 100 transmits the payment information for the payment request information to the payment information transmitting module 170. By transmitting to the payment server 200 through the final payment can be processed.

8 illustrates an example of payment means selection information displayed on a mobile communication terminal according to an embodiment of the present invention.

In addition, the present invention includes payment means selection information for the payment information in the configuration of the menu information, and as shown in Figure 8 as the payment means selection information credit card information, mobile phone payment information, account transfer information Or it is desirable to provide various payment means, such as cyber money information.

That is, the user of the mobile communication terminal 100 may select and pay any one of the payment means selection information, and may go through a predetermined authentication and approval procedure.

The payment server 200 receives the payment information through the payment information receiving module 207 and the mobile communication terminal 100 through the approval request signal transmission module 208 for user authentication and payment approval of the payment information. ) Transmits an approval request signal to the subscribed mobile carrier server 300.

At this time, the mobile carrier server 300 receiving the approval request signal searches for the user information stored in the database and proceeds with the user authentication procedure by comparing with the user information of the corresponding mobile communication terminal 100. Upon completion, the approval signal according to the approval request signal is transmitted to the payment server 200.

The payment server 200 receives the approval signal through the approval signal receiving module 209 to finally perform the approval of the payment information.

The payment server 200 transmits the payment result information of the final approved payment information as described above to the billing server 400 through the billing result information transmitting module 210, and then settles the bill for the billing of the bill. Through the module 211, Jiro billing information is transmitted to the Jiro billing server 400 in the payment result information.

The billing server 400, after receiving the billing information for billing, bills the bills of the user of the mobile communication terminal 100 through the billing server 200, and processes the billing through the payment method desired by the user. do.

In addition, the payment server 200 transmits the payment result information to the mobile communication terminal 100 through the payment result information transmitting module 210, and the mobile communication terminal 100 transmits the payment result information through the payment result receiving module 180. The payment result information is received so that the user can confirm the payment of the fee information at a specific location.

The present invention uses the image extraction module 120 of the mobile communication terminal 100 to extract the bar code information of the bill information to a specific location and transmit the image information generated to the payment server 200 to correspond to the image information. The payment service method for the fare information is provided, which will be described sequentially with reference to FIG. 9.

In this case, the method is a content corresponding to the method using the Giro billing system consisting of the mobile communication terminal 100, the payment server 200, the mobile carrier server 300 and the giro billing server 400, the functional of the system Since all the elements are included, a detailed description thereof will be omitted.

9 is a flowchart illustrating a keypad input method according to an embodiment of the present invention.

First, the payment server 200 of the present invention transmits the branch fee guide information for the specific branch fee information to the mobile communication terminal 100 (S901).

In this case, the Jiro fee information is information provided by any one of a callback Uniform Resource Locator (URL), a Short Massage Service (SMS), or a Multimedia Messaging System (MMS).

Next, the mobile communication terminal 100 of the present invention uses the image extraction module 120 to extract the bar code information corresponding to the specific road fee information to generate image information on the extracted bar code information (S902).

At this time, the image extraction module 120 is any one of a camera module or a scan module configured in the mobile communication terminal 100, the image information is generated using the bar code information photographed or scanned through the image extraction module 120 Information.

Next, the mobile communication terminal 100 accesses to the payment server 200 to transmit the generated image information to the payment server 200 (S903).

Next, the mobile communication terminal 100 transmits the generated image information to the payment server 200 side (S904).

Next, the payment server 200 extracts the fee information according to the received image information (S905).

Next, the payment server 200 transmits payment request information corresponding to the extracted fee information to the mobile communication terminal 100 (S906).

Next, the mobile communication terminal 100 transmits the payment information for the received payment request information to the payment server 200 side (S907).

Next, the payment server 200 transmits an approval request signal for the payment information to the mobile communication company server 300 to which the mobile communication terminal 100 is subscribed (S908), and the mobile communication company server 300 requests the approval. The approval signal for the signal is transmitted to the payment server 200 (S909).

Next, the payment server 200 transmits payment result information of the approved payment information to the billing server 400 side (S910).

In addition, the payment server 200 transmits payment result information of the approved payment information to the mobile communication terminal 100 (S911).

Finally, when the payment result information is transmitted to the billing server 400, the payment server 200 transmits billing information to the billing server 400 to the billing server 400 (S912).

As described above, the system of the present invention can process the payment information to a specific location using the payment server 200, from the perspective of the payment server 200 with reference to FIGS. 10 to 11 as follows. Explain.

In this case, the present invention will be briefly described according to the information flow, and the method of using the image extraction module 120 configured in the mobile communication terminal 100 and the method of using the keypad module 140 will be described.

10 is a flowchart illustrating a giro payment method according to another embodiment of the present invention.

First, referring to FIG. 10, the Jiro payment method is described using the image extraction module 120 configured in the mobile communication terminal 100 as follows.

First, the giro charge guide information transmission module 201 transmits the giro charge guide information for the specific giro charge information to the mobile communication terminal 100 (S1010).

Next, the image information receiving module 202 receives the image information generated by extracting bar code information for the toll information through the image extraction module 120 of the mobile communication terminal 100 (S1020).

Next, the Jiro fee information extraction module 205 extracts the Jiro fee information corresponding to the received image information (S1030).

Next, the payment request information transmitting module 206 transmits the payment request information corresponding to the extracted fee information to the mobile communication terminal 100 (S1040).

Next, the payment information receiving module 207 receives payment information on the transmitted payment request information from the mobile communication terminal 100 (S1050).

Next, the approval request signal transmission module 208 transmits an approval request signal for the payment information to the mobile communication company server 300 to which the mobile communication terminal 100 is subscribed, and the approval signal receiving module 209 receives the approval. The approval signal for the request signal is received from the mobile telecommunication company server 300 (S1060).

Next, the payment result information transmitting module 210 transmits payment result information of the approved payment information to the billing server 400 side (S1070).

Finally, when the payment result information of the approved payment information is transmitted to the Giro billing server 400, the Giro billing module 211 transmits Giro billing information to the Giro billing server 400 (S1080). ).

11 is a flowchart illustrating a giro fee payment method according to another embodiment of the present invention.

Secondly, referring to FIG. 11, a method for payment of Jiro is described using the keypad extraction module 140 configured in the mobile communication terminal 100 as follows.

First, the giro charge guide information transmitting module 201 transmits the giro charge guide information for the specific giro charge information to the mobile communication terminal 100 (S1110).

Next, the customer information receiving module 204 receives customer number information on the fee information through the keypad module 140 of the mobile communication terminal 100 (S1120).

Next, the Jiro fee information extraction module 205 extracts the Jiro fee information corresponding to the received customer number information (S1130).

Next, the payment request information transmitting module 206 transmits the payment request information corresponding to the extracted fee information to the mobile communication terminal 100 (S1140).

Next, the payment information receiving module 207 receives payment information about the transmitted payment request information from the mobile communication terminal 100 (S1150).

Next, the approval request signal transmission module 208 transmits an approval request signal for the payment information to the mobile communication company server 300 to which the mobile communication terminal 100 is subscribed, and the approval signal receiving module 209 receives the approval. The approval signal for the request signal is received from the mobile telecommunication company server 300 (S1160).

Next, the payment result information transmitting module 210 transmits payment result information of the approved payment information to the billing server 400 side (S1170).

Lastly, when the payment result information of the approved payment information is transmitted to the Giro billing server 400, the Giro billing module 211 transmits Giro billing information to the Giro billing server 400 (S1180). ).

Meanwhile, as another embodiment of the present invention, the present invention may be applied to an RFID chip.

By adding a radio frequency identification (RFID) chip recognition module to the mobile communication terminal side, the mobile communication terminal may recognize fee information of an arbitrary RFID chip. The mobile communication terminal transmits the recognized fee information to the payment server side. Receiving payment request information for the fee information from the payment server side, and transmits payment information for the received payment request information to the payment server. The mobile communication terminal controls the payment of the charge information of the specific RFID chip through communication with at least one payment means server.

The at least one payment means server may be a mobile communication company server, a credit card company server, a bank account bank server, a prepaid card company server, or a point operator company server, and if the payment means server is a mobile communication company server, Transmitting an approval request signal for payment information to a mobile communication company server to which the mobile communication terminal is subscribed, receiving an approval signal for the approval request signal from the mobile communication company server, and approved to the branch billing server side. In addition to transmitting the payment result information of the payment information, the present invention may be implemented.

Embodiments according to the present invention can be implemented in the form of program instructions that can be executed by various computer means can be recorded on a computer readable medium. The computer readable medium may include program instructions, data files, data structures, etc. alone or in combination. Program instructions recorded on the media may be those specially designed and constructed for the purposes of the present invention, or they may be of the kind well-known and available to those having skill in the computer software arts. Examples of computer-readable recording media include magnetic media such as hard disks, floppy disks, and magnetic tape, optical media such as CD-ROMs, DVDs, and magnetic disks, such as floppy disks. Magneto-optical media, and hardware devices specifically configured to store and execute program instructions, such as ROM, RAM, flash memory, and the like. Examples of program instructions include not only machine code generated by a compiler, but also high-level language code that can be executed by a computer using an interpreter or the like. The hardware device described above may be configured to operate as one or more software modules to perform the operations of the present invention, and vice versa.

As described above, the present invention has been described by way of limited embodiments and drawings, but the present invention is not limited to the above embodiments, and those skilled in the art to which the present invention pertains various modifications and variations from such descriptions. This is possible. Therefore, the scope of the present invention should not be limited to the described embodiments, but should be determined not only by the claims below but also by the equivalents of the claims.

1 is a block diagram showing the configuration of a Jiro fare payment system according to an embodiment of the present invention.

2 is a block diagram showing the configuration of a mobile communication terminal of a giro billing apparatus according to an embodiment of the present invention, Figure 3 is a block diagram showing the configuration of a payment server of a giro billing apparatus according to an embodiment of the present invention It is also.

4 illustrates an example of the guide information displayed on a mobile communication terminal according to an embodiment of the present invention.

5 illustrates an example of menu information displayed on a mobile communication terminal according to an embodiment of the present invention.

6 is an example of a diagram displaying a process of transmitting image information of a mobile communication terminal according to an embodiment of the present invention.

7 is a diagram illustrating payment request information displayed on a mobile communication terminal according to an embodiment of the present invention.

8 illustrates an example of payment means selection information displayed on a mobile communication terminal according to an embodiment of the present invention.

9 is a flowchart illustrating a keypad input method according to an embodiment of the present invention.

10 is a flowchart illustrating a giro payment method according to another embodiment of the present invention.

11 is a flowchart illustrating a giro fee payment method according to another embodiment of the present invention.

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

100: mobile communication terminal

200: payment server

300: carrier server

400: Giro Billing Server

Claims (32)

Generating barcode information corresponding to the bill information; Transmitting the generated barcode information as a callback URL type to a mobile communication terminal of a payer for the charge information to the specific location; Receiving a signal for confirming payment of fee information to the specific location from the mobile communication terminal side; And If the signal is received, controlling the payment for the fee information to be made normally Jiro fee payment method using a mobile communication terminal comprising a. According to claim 1, The controlling step, Giro billing method using a mobile communication terminal characterized in that the communication is made through at least one of the server or the billing server. Generating image information on the extracted bar code information by extracting bar code information corresponding to the toll information using the image extraction module of the mobile communication terminal; Transmitting the generated image information to a payment server at the mobile communication terminal; Extracting fee information corresponding to the received image information at the payment server side; Transmitting, by the payment server, payment request information corresponding to the extracted fee information to the mobile communication terminal; Transmitting payment information on the received payment request information to the payment server at the mobile communication terminal; And Controlling payment for the fare information to the specific location through communication between the payment server and at least one payment means server; Jiro fee payment method using a mobile communication terminal comprising a. The method of claim 3, wherein The at least one payment method server, Giro bill payment method using a mobile communication terminal, characterized in that it comprises a mobile carrier server, credit card company server, bank transfer bank server, prepaid card company server, or point operator company server. The method of claim 4, wherein If the payment means server is a mobile carrier server, The controlling step, Transmitting an approval request signal for the payment information from the payment server side to a mobile communication company server to which the mobile communication terminal is subscribed, and transmitting the approval signal for the approval request signal to the payment server at the mobile communication company server side; ; Transmitting payment result information of the approved payment information from the payment server side to the branch billing server side; And When the payment result information is transmitted from the payment server side to the branch billing server side, transmitting the branch payment information from the payment server side to the branch billing server side. Jiro fee payment method using a mobile communication terminal comprising a. The method of claim 5, Transmitting, by the payment server side, the branch fee guide information for the specific branch fee information to the mobile communication terminal; The jiro fee guidance information is a giro fee payment method using a mobile communication terminal, characterized in that the information provided by any one of a callback URL (Uniform Resource Locator), SMS (Short Massage Service) or MMS (Multimedia Messaging System). The method of claim 5, The image extraction module is any one of a camera module or a scan module configured in the mobile communication terminal, And the image information is information generated using barcode information photographed or scanned through the image extraction module. Receiving image information generated by extracting bar code information on the toll information to a specific location through an image extraction module of a mobile communication terminal; Extracting fee information corresponding to the received image information; Transmitting payment request information corresponding to the extracted bill information to the mobile communication terminal; Receiving payment information on the transmitted payment request information from the mobile communication terminal; And Controlling payment for the fare information to the specific location through communication with at least one payment means server Jiro fee payment method using a mobile communication terminal comprising a. The method of claim 8, The at least one payment method server, Giro bill payment method using a mobile communication terminal, characterized in that it comprises a mobile carrier server, credit card company server, bank transfer bank server, prepaid card company server, or point operator company server. The method of claim 9, If the payment means server is a mobile carrier server, The controlling step, Transmitting an approval request signal for the payment information to a mobile communication company server to which the mobile communication terminal is subscribed, and receiving an approval signal for the approval request signal from the mobile communication company server; And Transmitting payment result information of the approved payment information to the billing server; Jiro fee payment method using a mobile communication terminal comprising a. Receiving customer number information on fee information through a keypad module of a mobile communication terminal; Extracting fee information corresponding to the received customer number information; Transmitting payment request information corresponding to the extracted bill information to the mobile communication terminal; Receiving payment information on the transmitted payment request information from the mobile communication terminal; And Controlling payment for the fare information to the specific location through communication with at least one payment means server Jiro fee payment method using a mobile communication terminal comprising a. The method of claim 11, wherein The at least one payment method server, Giro bill payment method using a mobile communication terminal, characterized in that it comprises a mobile carrier server, credit card company server, bank transfer bank server, prepaid card company server, or point operator company server. The method of claim 12, If the payment means server is a mobile carrier server, The controlling step, Transmitting an approval request signal for the payment information to a mobile communication company server to which the mobile communication terminal is subscribed, and receiving an approval signal for the approval request signal from the mobile communication company server; And Transmitting payment result information of the approved payment information to the billing server; Jiro fee payment method using a mobile communication terminal comprising a. The method of claim 8, The image extraction module is any one of a camera module or a scan module configured in the mobile communication terminal, And the image information is information generated using barcode information photographed or scanned through the image extraction module. The method according to claim 8 or 11, wherein Transmitting to the mobile communication terminal side information about the road fee for the specific road fee information; The branch fee guidance information is provided to the mobile communication terminal by any one of a callback Uniform Resource Locator (URL), a Short Massage Service (SMS), or a Multimedia Messaging System (MMS), The mobile communication terminal transmits the image information or the customer number information by directly accessing the payment server through the callback URL or by accessing the payment server of the fee guide information through the SMS or MMS. Giro payment method using a terminal. The method of claim 8, And the payment server comprises an image information reading module for reading the received image information. The method according to claim 8 or 11, wherein The mobile communication terminal includes a client module for driving menu information for performing each step, wherein the client module is a Jiro bill payment method using a mobile communication terminal, characterized in that configured as a virtual machine (VM). The method of claim 17, The menu information includes payment method selection information for the payment information, And the payment means selection information is any one of credit card information, mobile phone payment information, bank transfer information, or cyber money information corresponding to the user information of the mobile communication terminal. The method according to claim 8 or 11, wherein When the payment result information of the approved payment information is transmitted to the billing server side, And transmitting the billing information to the billing server. A computer-readable recording medium in which a program for executing the method of any one of claims 1 to 19 is recorded. An image extraction module for extracting bar code information on fee information and generating image information corresponding to the extracted bar code information; An image information transmission module for transmitting the generated image information to a payment server; A payment request information receiving module configured to receive payment request information for fee information corresponding to the image information extracted by the payment server; A payment information transmission module which transmits payment information about the received payment request information to the payment server; And Payment result receiving module for receiving payment result information for the payment information Jiro billing apparatus using a mobile communication terminal comprising a. A keypad module for authorizing customer number information on the fee information to a particular location; A customer information transmission module for transmitting the authorized customer number information to a payment server; A payment request information receiving module configured to receive payment request information for fee information corresponding to the customer number information extracted by the payment server; A payment information transmission module which transmits payment information about the received payment request information to the payment server; And Payment result receiving module for receiving payment result information for the payment information Jiro billing apparatus using a mobile communication terminal comprising a. The method of claim 21, The image extraction module is any one of a camera module or a scan module, And the image information is information generated using barcode information photographed or scanned through the image extraction module. The method of claim 21 or 22, And further comprising: a fee guide information receiving module for receiving fee information from the payment server. The guide fee information is any one of a callback Uniform Resource Locator (URL), a Short Massage Service (SMS), or a Multimedia Messaging System (MMS), Giro fee using the mobile communication terminal characterized in that directly connected to the payment server through the callback URL, or connected to the payment server of the fee guide information to be guided by SMS or MMS to transmit the image information or customer number information Payment device. The method of claim 21, And the payment server comprises an image information reading module for reading the received image information. The method of claim 21 or 22, Further comprising a client module for driving menu information for executing the module, The client module is a Jiro bill payment device using a mobile communication terminal, characterized in that configured as a virtual machine (VM). The method of claim 26, The menu information includes payment method selection information for the payment information, And the payment method selection information is any one of credit card information, mobile phone payment information, bank transfer information, and cyber money information. The method of claim 21 or 22, If the payment server receives the payment information, An approval request signal transmission module configured to transmit an approval request signal for the payment information to a mobile communication company server to which the mobile communication terminal is subscribed; And The payment result information transmission module for transmitting the payment result information to the mobile communication terminal when an approval signal for the approval request signal is received from the mobile communication company server through an approval signal receiving module. Jiro billing apparatus using a mobile communication terminal comprising a. The method of claim 28, The payment server, Transmitting the payment result information to the branch billing server through the payment result information transmitting module, Jiro fare settlement module to settle the gyro fees for the payment result information Jiro billing apparatus using a mobile communication terminal further comprising a. Recognizing charge information of a specific RFID chip; Transmitting the recognized fee information to a payment server side; Receiving, from the payment server side, payment request information for the fee information; Transmitting payment information about the received payment request information to the payment server; And Controlling payment for the charge information of the specific RFID chip through communication with at least one payment means server Jiro fee payment method using a mobile communication terminal comprising a. The method of claim 30, The at least one payment method server, Jiro fee payment method using a mobile communication terminal, characterized in that it comprises a mobile carrier server, credit card company server, bank transfer bank server, prepaid card company server, or point operator company server. The method of claim 31, wherein If the payment means server is a mobile carrier server, The controlling step, Transmitting an approval request signal for the payment information to a mobile communication company server to which the mobile communication terminal is subscribed, and receiving an approval signal for the approval request signal from the mobile communication company server; And Transmitting payment result information of the approved payment information to the billing server; Jiro fee payment method using a mobile communication terminal comprising a.

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