KR20100026609A - System for paying money by using mobile phone and method thereof - Google Patents

System for paying money by using mobile phone and method thereof Download PDF

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Publication number
KR20100026609A
KR20100026609A KR1020080085675A KR20080085675A KR20100026609A KR 20100026609 A KR20100026609 A KR 20100026609A KR 1020080085675 A KR1020080085675 A KR 1020080085675A KR 20080085675 A KR20080085675 A KR 20080085675A KR 20100026609 A KR20100026609 A KR 20100026609A
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KR
South Korea
Prior art keywords
payment
server
mobile phone
shopping mall
internet shopping
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Application number
KR1020080085675A
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Korean (ko)
Inventor
김태동
박홍철
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김태동
박홍철
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Application filed by 김태동, 박홍철 filed Critical 김태동
Priority to KR1020080085675A priority Critical patent/KR20100026609A/en
Publication of KR20100026609A publication Critical patent/KR20100026609A/en

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/16—Payments settled via telecommunication systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/06—Buying, selling or leasing transactions
    • G06Q30/0601—Electronic shopping [e-shopping]
    • G06Q30/0613—Third-party assisted
    • G06Q30/0619—Neutral agent

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  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Engineering & Computer Science (AREA)
  • Theoretical Computer Science (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Strategic Management (AREA)
  • Finance (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Marketing (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Management, Administration, Business Operations System, And Electronic Commerce (AREA)
  • Cash Registers Or Receiving Machines (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

PURPOSE: A system of payment and a method thereof for using a mobile terminal without a credit card terminal are provided to settle the mobile terminal about a cost at an Internet shopping mall site. CONSTITUTION: If a purchase request of a user is received, an internet shopping mall server(121) outputs a purchase request command. The goods and payment information are outputted. If the purchase request command is received, an electronic payment server(131) transmits the acknowledgement number to the internet shopping mall server. The product and payment information are stored. If the acknowledgement number is received from a mobile terminal(141), ECS transmits payment information to the portable terminal.

Description

Expense payment system using mobile phone and method thereof {System for paying money by using mobile phone and method

The present invention relates to a payment system for purchasing a product and paying a cost, and more particularly, to a payment system and a method for paying a cost incurred when purchasing a product using a mobile phone.

Recently, mobile phones have been developed for payment. In order to pay for these mobile phones, you must have a credit card terminal. However, since an online shopping mall does not have a credit card terminal for a mobile phone, such a mobile phone cannot purchase a product in an online shopping mall and make a payment for it.

Instead, if your credit card terminal is connected to a computer that is connected to an online shopping mall, you can make a payment at this time. However, in order to use such a method, a credit card terminal for a mobile phone must be distributed to an individual, which brings many difficulties in terms of cost and technology.

An object of the present invention is to provide a cost payment system that can pay for the goods purchased on the Internet shopping mall site using a mobile phone without mounting a separate hardware device such as a credit card terminal.

Another object of the present invention is to provide a cost payment method that can be used to pay for the goods purchased on the Internet shopping mall site using a mobile phone.

The present invention to achieve the above object,

cellphone; An internet shopping mall server for managing an internet shopping site for selling goods, outputting a purchase request command when receiving a user's purchase request, and outputting product information and payment information; And when connected to the Internet shopping mall server, when receiving a purchase request command from the Internet shopping mall server, issuing an authorization number for approving the purchase to transmit to the Internet shopping mall server, receiving the product information and payment information transmitted from the Internet shopping mall server And store the product information and payment information when receiving the approval number from the mobile phone. The mobile phone is provided with an electronic payment server that performs payment when the payment request is received from the mobile phone. When inputted, the payment number is transmitted to the electronic payment server, and the payment request command is sent to the electronic payment server.

In order to achieve the above another object, the present invention,

A method of making a payment with a mobile phone, a computer, an internet shopping mall server, and an electronic payment server, the method comprising: (a) if a user applies for a purchase of a specific product among products displayed on a screen of a monitor connected to the computer, A shopping mall server requesting the electronic payment server to purchase the specific product, and transmitting information about the product and payment information to the electronic payment server; (b) When the electronic payment server receives a purchase request from the Internet shopping mall server, the electronic payment server issues an authorization number for approving the purchase of the specific product and transmits it to the Internet shopping mall server, and the product information and payment transmitted from the Internet shopping mall server. Storing the information therein; (c) the Internet shopping mall server displaying the approval number received from the electronic payment server on a monitor of the user computer; (d) when the user inputs the authorization number into the cellular phone, the cellular phone transmitting the authorization number to the electronic payment server; (e) when the electronic payment server receives the approval number from the mobile phone, transmitting product information and payment information for the specific product to the mobile phone; (f) when the mobile phone receives the product information and payment information from the electronic payment server, displaying the information on a monitor connected to the mobile phone; (g) requesting payment by the mobile phone to the electronic payment server when the user requests the payment by viewing the product information and the payment information; And (h) when the electronic payment server receives a payment request from the mobile phone, provides a payment method comprising the step of performing a payment.

According to the present invention, a mobile phone user can purchase a product on an internet shopping mall site and pay for the cost using the mobile phone.

Therefore, it is not necessary to subscribe as a member to the Internet shopping mall site, thereby preventing information about itself from being leaked to the outside.

If the user only knows the approval number displayed on the Internet shopping mall site, the user can proceed with the product settlement without being limited to time and place.

Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings. Like reference numerals in the drawings denote like elements.

1 is a block diagram of a payment system using a mobile phone according to the present invention. Referring to FIG. 1, the payment system 101 includes a computer 111, an internet shopping mall server 121, an electronic payment server 131, and a mobile phone 141.

The computer 111 is connected to the Internet shopping mall server 121 through the Internet. The user may access an internet shopping mall site operated by the internet shopping mall server 121 through the computer 111.

The internet shopping mall server 121 is connected to the electronic payment server 131 by wire or wirelessly. The internet shopping mall server 121 manages and operates an internet shopping mall site. When the user accesses the internet shopping mall site, the internet shopping mall server 121 provides information on a plurality of products on the screen of the monitor connected to the computer used by the user. Product information includes a product name, a product price, a product characteristic, and the like. When the user selects to purchase a specific product among these products, the Internet shopping mall server 121 displays a message on the screen of the monitor asking the user to make a mobile phone payment or a general payment so that the user can select it. General payments include credit card payments and bank transfer payments in a conventional manner. When the user selects the mobile phone payment, the Internet shopping mall server 121 requests the electronic payment server 131 to make a purchase, and also transmits the product information and the payment information to the electronic payment server 131. The payment information includes an internet shopping mall name, a payment bank, a payment amount, a payment date, and the like.

The Internet shopping mall server 121 receives an approval number for approving the purchase of the product transmitted from the electronic payment server 131, and displays the approval number on the monitor screen of the user computer 111 so that the user can see it.

The internet shopping mall server 121 receives a receipt issue command from the electronic payment server 131 and issues a receipt. That is, the Internet shopping mall server 121 displays the receipt on the monitor screen of the user computer 111, prints it to a printer connected to the user computer 111 according to a user's request, or transmits the receipt to a fax requested by the user.

When the electronic payment server 131 receives a purchase request from the internet shopping mall server 121, the electronic payment server 131 issues the approval number and transmits the approval number to the internet shopping mall server 121. The approval number is composed of a predetermined number of numbers or a combination of numbers and letters. The electronic payment server 131 issues the approval number differently for each product. The electronic payment server 131 stores the approval number therein including product information and payment information transmitted from the internet shopping mall server 121.

When the electronic payment server 131 receives the approval number from the mobile phone 141, the electronic payment server 131 finds a corresponding approval number among the approval numbers stored therein and transmits the corresponding product information and payment information to the mobile phone 141. When the electronic payment server 131 pays for itself, payment information transmitted by the electronic payment server 131 to the mobile phone 141 may be different from payment information sent from the Internet shopping mall server 121.

When the electronic payment server 131 receives a payment command from the mobile phone 141, the electronic payment server 131 performs payment for the corresponding product. The electronic payment server 131 may be connected to a financial institution including a bank through the Internet to perform a payment. After completing the payment, the electronic payment server 131 may transmit a receipt issuance command for the corresponding product to the Internet shopping mall server 121.

The mobile phone 141 downloads and installs an electronic payment program from the electronic payment server 131 through the wireless Internet or the wired Internet before proceeding with the payment for the product purchase. In this state, when the user inputs the approval number into the mobile phone 141, the mobile phone 141 transmits the approval number to the electronic payment server 131. The electronic payment program may provide all operating systems necessary for the user to enter and transmit the authorization number.

The mobile phone 141 receives the product information and the payment information from the electronic payment server 131 and displays it on the monitor provided in the mobile phone 141. When the user confirms the payment by viewing the product information and the payment information displayed on the monitor, the mobile phone 141 transmits a payment command to the electronic payment server 131.

As described above, according to the present invention, the user can make a payment using the mobile phone 141 after purchasing the product on the Internet shopping mall site.

Therefore, since the user does not need to subscribe to the Internet shopping mall site as a member, the user's personal information can be prevented from leaking to the outside. In addition, if only the approval number is known, payment can be made for product purchase anytime, anywhere without being limited to time and place.

2 is a flowchart illustrating a payment method using a mobile phone 141 according to the present invention. 2, the payment method of the present invention includes the first to tenth steps. A payment method shown in FIG. 2 will be described with reference to FIG. 1.

In a first step 211, when the user accesses an internet shopping mall site operated by the internet shopping mall server 121 using the computer 111, the internet shopping mall server 121 provides product information to the computer 111. . Then, the computer 111 displays the product information on the screen of the monitor connected thereto.

In a second step 221, when a user applies for a purchase of a specific product among the products displayed on the screen of the monitor, the Internet shopping mall server 121 requests the electronic payment server 131 to purchase the specific product. The product information and payment information are transmitted to the electronic payment server 131.

In a third step 231, when the electronic payment server 131 receives a purchase request from the internet shopping mall server 121, the electronic payment server 131 issues an approval number for approving the purchase of the specific product and transmits it to the internet shopping mall server 121. . At this time, the electronic payment server 131 stores the product information and payment information transmitted from the Internet shopping mall server 121 therein.

In a fourth step 241, the Internet shopping mall server 121 sends the authorization number received from the electronic payment server 131 to the computer 111, and the computer 111 displays the authorization number on a monitor screen.

As a fifth step 251, when the user views the approval number displayed on the monitor screen of the computer 111 and inputs it to the mobile phone 141, the mobile phone 141 transmits the approval number to the electronic payment server 131. do. If the user does not enter the approval number into the mobile phone 141, the following steps do not proceed.

As a sixth step 261, when the approval number is received from the mobile phone 141, the electronic payment server 131 transmits product information and payment information related to the approval number to the mobile phone 141.

As a seventh step 271, the mobile phone 141 displays the product information and the payment information received from the electronic payment server 131 on a monitor connected to the mobile phone 141.

In an eighth step 281, when the user accepts payment by viewing the product information and the payment information displayed on the monitor screen of the mobile phone 141, the mobile phone 141 makes a payment request to the electronic payment server 131. If the user does not accept the payment through the mobile phone 141, the following step does not proceed.

In a ninth step 291, when the electronic payment server 131 receives a payment request from the mobile phone 141, the electronic payment server 131 performs payment. In order to perform a payment, the electronic payment server 131 may access a server operated by a financial institution including a bank, and may perform a payment itself. The electronic payment server 131 issues a receipt issue command to issue a receipt to the Internet shopping mall server 121 after completing the payment.

In a tenth step 295, the Internet shopping mall server 121 issues a receipt upon receipt of a receipt issue command from the electronic payment server 131. The Internet shopping mall server 121 may display a receipt on a monitor screen of the user computer 111, and may print or send a fax to a printer connected to the user computer 111 according to a user's request.

As described above, according to the present invention, a user may purchase a product in an Internet shopping mall site and then use the mobile phone 141 to make a payment.

Therefore, since the user does not need to subscribe to the Internet shopping mall site as a member, his or her information can be prevented from leaking to the outside. In addition, if only the approval number is known, the product can be settled without being limited to time and place.

Although the present invention has been described with reference to the embodiments shown in the drawings, this is merely exemplary, and it will be understood by those skilled in the art that various modifications and equivalent other embodiments are possible. Therefore, the true technical protection scope of the present invention will be defined by the technical spirit of the appended claims.

1 is a block diagram of a payment system using a mobile phone according to the present invention.

2 is a flow chart showing a method for payment using a mobile phone according to the present invention.

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

101; Cost payment system, 111; computer

121; An internet shopping mall server, 131; Electronic payment server

141; cellphone

Claims (2)

cellphone; An internet shopping mall server for managing an internet shopping site for selling goods, outputting a purchase request command when receiving a user's purchase request, and outputting product information and payment information; And Is connected to the Internet shopping mall server, when receiving a purchase request command from the Internet shopping mall server, issuing an authorization number for approving the purchase to transmit to the Internet shopping mall server, and receives and stores the product information and payment information transmitted from the Internet shopping mall server And receiving an approval number from the mobile phone, transmitting the product information and payment information to the mobile phone, and receiving an payment request from the mobile phone, and performing an electronic payment server. The mobile phone transmits the input approval number to the electronic payment server when the user inputs the approval number, and transmits a payment request command to the electronic payment server to proceed with the payment when the user requests payment. Payment system. Claims [1] A method for making a payment comprising a mobile phone, a computer, an internet shopping mall server, and an electronic payment server, (a) When a user applies to purchase a specific product among products displayed on a screen of a monitor connected to the computer, the Internet shopping mall server requests the electronic payment server to purchase the specific product, and the information about the product. Transmitting payment information to the electronic payment server; (b) When the electronic payment server receives a purchase request from the Internet shopping mall server, the electronic payment server issues an authorization number for approving the purchase of the specific product and transmits it to the Internet shopping mall server, and the product information and payment transmitted from the Internet shopping mall server. Storing the information therein; (c) the Internet shopping mall server displaying the approval number received from the electronic payment server on a monitor of the user computer; (d) when the user inputs the authorization number into the cellular phone, the cellular phone transmitting the authorization number to the electronic payment server; (e) when the electronic payment server receives the approval number from the mobile phone, transmitting product information and payment information for the specific product to the mobile phone; (f) when the mobile phone receives the product information and payment information from the electronic payment server, displaying the information on a monitor connected to the mobile phone; (g) requesting payment by the mobile phone to the electronic payment server when the user requests the payment by viewing the product information and the payment information; And (h) when the electronic payment server receives the payment request from the mobile phone, comprising the step of performing a payment.
KR1020080085675A 2008-09-01 2008-09-01 System for paying money by using mobile phone and method thereof KR20100026609A (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
KR1020080085675A KR20100026609A (en) 2008-09-01 2008-09-01 System for paying money by using mobile phone and method thereof

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
KR1020080085675A KR20100026609A (en) 2008-09-01 2008-09-01 System for paying money by using mobile phone and method thereof

Publications (1)

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KR20100026609A true KR20100026609A (en) 2010-03-10

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KR1020080085675A KR20100026609A (en) 2008-09-01 2008-09-01 System for paying money by using mobile phone and method thereof

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