KR20100030913A - Method of payments service and system used for the method - Google Patents

Abstract

PURPOSE: A small sum payment service method and a system thereof are provided to process payments through an authentication number and wireless connection, thereby improving security. CONSTITUTION: A mobile payment-only terminal inputs product information and user information. A user payment registration server generates and transmits an authentication number. A mobile communication company operating server transmits a short message or a callback text to a mobile apparatus of a user. A user registration unit of the user payment registration server registers the mobile number and password information of a user.

Description

Method of payments service and system used for the method}

 The present invention relates to a micropayment service method and system capable of securely and conveniently performing payment using a mobile number, a password, a short message or a callback character on offline.

The conventional micro payment method is often used for ARS payment or online mobile payment service. The biggest problem of such a payment method is security, and when a mobile device is lost, unauthorized payment by a person who has acquired the mobile device is possible. In addition, it was also inconvenient that there is a lot of information that must be entered for a small payment. In particular, inputting the information online may cause personal information, for example, a social security number, to be leaked, which may cause a user to be reluctant to use it. Moreover, payment only online has been a limitation of time and space in use.

On the other hand, in the conventional methods, it is inconvenient to use because there are many cases where an accessory necessary for payment must be separately provided in a mobile device or an additional module must be mounted.

The present invention relates to a small payment method (convenience store, taxi fare, courier service, post office, bank, parking fee payment, vending machine) that replaces inconvenient cash payment, such as coin exchange, large currency exchange, and solves the security problems of existing offline and online commerce. It is an object of the present invention to provide a simple payment method, a simple payment method, and a system for realizing the same, which can be paid only by a user's mobile device and a mobile payment terminal.

The present invention is a micropayment service method using a mobile communication terminal and a mobile payment terminal, the first step of sending the product information, the user's mobile number and password information to the user's payment registration server (UPRS) using a mobile payment terminal ; A second step of confirming the mobile number and password from a user payment registration server; Generating and transmitting an authentication number from a user payment registration server; A fourth step of checking whether payment is possible in the micropayment management server; A fifth step of transmitting the authentication number from the mobile operator operating server to the user mobile device; A sixth step of inputting an authentication number into a mobile payment-only terminal; A seventh step of checking an authentication number at a user payment registration server; An eighth step of requesting a payment from a micropayment operation server to a mobile operator operating server; A ninth step of processing a payment by the mobile operator operating server and transmitting a payment completion history; A tenth step of storing the payment completion history in the micro payment operation server and the user payment registration server; It provides a micropayment service method comprising the eleventh step of displaying the payment completion details on the mobile payment terminal and the mobile device.

In addition, the present invention is a micropayment service method using a user mobile device and a mobile payment terminal, the product information, the mobile number and password information of the user to the user payment registration server (UPRS) using a mobile payment dedicated terminal; Stage 1; A second step of confirming the mobile number and password from a user payment registration server; A third step of confirming whether payment is possible in the micro payment management server; Transmitting a callback character from a mobile operator operating server to a user mobile device; A fifth step of requesting a payment from a user mobile device to a mobile operator operating server; A sixth step of processing a payment by the mobile operator operating server and transmitting payment completion details; A seventh step of storing the payment completion details in the micro payment operation server and the user payment registration server; Provided is a micropayment service method comprising an eighth step of displaying payment completion details on a mobile payment-only terminal and a mobile device.

In addition, the present invention is a mobile payment dedicated terminal for receiving and transmitting product information, user information, receiving and confirming the information received from the mobile payment dedicated terminal, the user payment registration server and user mobile to generate, transmit and confirm the authentication number It provides a micro-payment service system comprising a mobile operator operating server for transmitting a short message or callback character to the device, and processing the payment.

The present invention is used in the service method, the user registration unit for registering the mobile number and password information of the user and the merchant registration unit for registering the merchant information; A control unit controlling communication, storage and registration of information; A communication unit for communicating with a mobile payment terminal, a micro payment operating server, and a mobile operator operating server; A storage unit which stores communication information, payment information, user information, and merchant information; It provides a user payment registration server, characterized in that it comprises an authentication unit for generating, verifying, and storing an authentication number.

According to the micropayment service method of the present invention, there is an advantage that a micropayment can be made by a simple method on offline. In addition, since the payment is made through the authentication number and wireless access, security is improved compared to the conventional method in which payment is made only with a mobile device.

On the other hand, it has the advantage that it can be widely used in time and space compared to the conventional method that was possible only through online.

The present invention will be described in detail with reference to the drawings.

The micropayment service method of the present invention starts with inputting product information from a mobile payment terminal of a merchant. 1 illustrates a process of inputting product information from a mobile payment terminal of an affiliated store. It consists of barcode input of goods.

2 is a schematic diagram of a micropayment service method using an authentication number according to an embodiment of the present invention.

When the user's mobile number and password are transmitted to the user's payment registration server through the mobile payment dedicated terminal, the user's payment registration server checks this and sends the information to the mobile carrier, and the mobile service provider sends the payment to the user's mobile device. Send the authentication number in a short message.

Figure 3 is a schematic diagram of a micropayment service method of a callback method according to another embodiment of the present invention.

Compared with the authentication number method, the callback method is different in that it includes an additional callback processing unit for transmitting a callback character instead of the authentication number from the mobile operator to the user mobile device.

Figure 4 shows the configuration of the mobile payment terminal and the user payment registration server.

The mobile payment-only terminal includes an input unit for inputting product information, a mobile number, a password, and merchant information; A control unit for controlling button input, communication, external input and storage; A communication unit for communicating with an external input communication unit, a user payment registration server, and an output device communication unit; A storage unit for storing communication information, payment information, and merchant information is included.

The mobile payment-only terminal for implementing the service method of the present invention assumes that the terminal can be implemented only if a recording medium (software) is installed (mounted) on an existing terminal such as a PDA. In this case, it is not necessary to have a separate device called a mobile payment terminal.

The user billing registration server includes a user registration unit for registering a user's mobile number and password information and a merchant registration unit for registering merchant information; A control unit controlling communication, storage and registration of information; A communication unit for communication with a mobile payment terminal, a micro payment operating server, and a mobile operator operating server; A storage unit which stores communication information, payment information, user information, and merchant information; The authentication unit for generating, verifying and storing the authentication number is included.

5 to 8 illustrate a service method using an authentication number method.

Figure 5 shows the input of information and authentication number through the mobile payment dedicated terminal and the transmission of payment completion history that has been transmitted to the user mobile device and the mobile payment dedicated terminal. When the user enters the mobile number and password through the mobile payment-only terminal, the authentication number is sent to the user's mobile device, and if the user inputs it again to the mobile payment-only terminal, the payment is completed after the payment is made. It is sent to the terminal and the user mobile device.

Figure 6 shows that the input of information, the authentication number input request and payment request is made through the user payment registration server in the above process.

7 shows that the user information, payment availability and the authentication number in the above process to check and match, proceed to the next step, and if there is a mismatch, and transmits the result to the mobile payment terminal. If the entered user information is confirmed and matched, the process proceeds to the request for payment and checks whether the payment is possible. If the payment is confirmed, the verification number is input from the mobile payment-only terminal, and the payment is confirmed. After processing the payment completion history is sent.

FIG. 8 illustrates a whole process of an authentication method using a mobile device, a mobile payment terminal, a user payment registration server, a micro payment operating server, and a mobile communication company operating server.

The user information input from the mobile payment-only terminal checks whether the user payment registration server is valid. Since user information is registered in advance in the user payment registration server, it is compared with this input information to determine whether it is valid. As a result of the determination, if the information matches, the user's payment registration server generates an authentication number and transmits it to the mobile operator operating server. In addition, the micropayment operation server requests a payment. If the information does not match, the mobile payment terminal is requested to re-enter user information.

Next, the micropayment operation server receiving the payment request checks whether the settlement is possible and notifies the operation server of the mobile communication company if the settlement is possible. If payment is not possible, the mobile payment terminal is notified of the payment failure.

Next, the mobile operator operating server that has confirmed whether the payment is possible from the micropayment operation server transmits the authentication number received from the user registration settlement server to the mobile device of the user.

Then, the user inputs the authentication number transmitted to the mobile device in the mobile payment dedicated terminal, and the user payment registration server checks whether it matches the authentication number that occurred. If there is a match, the billing request is made to the micropayment operation server, and the micropayment operation server transmits it to the mobile operator service server for payment. The mobile operator's operating server sends the payment completion details to the micropayment operation server and the user's mobile device when the payment is processed. The micropayment operation server, which has received the payment completion history, stores it and transmits it to the user payment registration server. The user payment registration server stores this and transmits it to the mobile payment-only terminal.

If the user payment registration server determines that the authentication number is inconsistent, the user payment registration server requests the mobile payment dedicated terminal to re-enter the authentication number.

9 to 12 illustrate a callback type service method.

9 illustrates input of information through a mobile payment dedicated terminal, callback characters transmitted to a user mobile device and processing thereof, and transmission of payment completion details transmitted to a user mobile device and a mobile payment dedicated terminal. When the user enters the mobile number and password through the mobile payment-only terminal, a message (callback character) confirming the payment is sent to the user's mobile device, and the payment is made immediately when the user wirelessly connects to the mobile carrier and confirms the payment. Is done. Next, payment completion history is transmitted to the mobile payment-only terminal and the user mobile device. This has the advantage that the user can directly pay through a wireless connection instead of the hassle of entering the authentication number to the mobile payment terminal.

Figure 10 shows that the input of information and payment request is made through the user payment registration server in the above process.

11 shows the user information, payment availability, and payment completion in the above process, and if it matches, proceeds to the next step, and if there is a mismatch, transmits the result to the mobile payment dedicated terminal device. If the inputted user information is checked and matched, the process proceeds to the request for payment and checks whether the payment is possible. After the payment is confirmed, the payment information is received from the mobile operator operating server and transmitted to the mobile payment-only terminal.

Figure 12 shows the entire process of the call-back service method made through a mobile device, a mobile payment terminal, user payment registration server, micropayment operation server and mobile operator operating server.

The user information input from the mobile payment-only terminal checks whether the user payment registration server is valid. Since user information is registered in advance in the user payment registration server, it is compared with this input information to determine whether it is valid. As a result of the determination, if the information matches, the user payment registration server requests the payment to the micropayment operation server. If the information does not match, the mobile payment terminal is requested to re-enter user information.

Next, the micropayment operation server receiving the payment request checks whether the settlement is possible and notifies the operation server of the mobile communication company if the settlement is possible. If payment is not possible, the mobile payment terminal is notified of the payment failure.

Next, the mobile operator operating server having confirmed whether payment is possible from the micropayment operation server transmits a callback character requesting payment to the user mobile device.

Then, the user checks the payment by wirelessly accessing the mobile communication company operating server with his mobile device so that the payment is made immediately.

In the callback method, checking whether the user information input from the mobile payment-only terminal is valid in the user payment registration server and checking whether the payment is possible in the micropayment operation server is the same as in the authentication number method. The difference between the callback method and the authentication number method is that after it is determined that payment can be made in the micropayment operation server, the callback character is transmitted from the mobile operator operating server to the user terminal instead of the authentication number. As shown in FIG. 9, the callback character allows a user to wirelessly connect to a mobile communication company through a terminal and request a payment. It is much simpler and faster because the payment is made through direct communication between the user and the mobile carrier without going through the authentication and input of the authentication number.

In order to realize the micropayment service method of the present invention, a mobile payment-only terminal for receiving and transmitting product information and user information; A user payment registration server that receives and confirms the information from the mobile payment-only terminal and generates, transmits and confirms an authentication number; And a mobile operator operating server for transmitting a short message or a callback character to a user mobile device and processing a payment. Accordingly, the present invention provides a micropayment service system including the mobile payment dedicated terminal, a user payment registration server, and a mobile operator operating server together with the micropayment service method described above.

User billing registration server used in the authentication method of the service number registration of the user and merchant information; Checking the validity of the user's mobile number and password from the entered user information; Generation and transmission of authentication numbers; Determining whether the authentication number is valid; And transmits the payment completion history and stores the information.

On the other hand, in the service method of the callback method, instead of the authentication number, the mobile operator operating server transmits a callback character prompting the user to check whether the payment is made directly and the payment is made directly therefrom. Function is omitted.

1 illustrates input of product information through a mobile payment-only terminal.

2 is a schematic diagram of a micro payment service method using an authentication number method.

3 is a schematic diagram of a micropayment service method using a callback method.

4 is a block diagram of a mobile payment terminal and a user payment registration server.

5 illustrates an input and transmission message through a mobile payment-only terminal and a user mobile device in the authentication number method.

6 illustrates a process of inputting information, requesting authentication number input and payment request through a user payment registration server in the authentication number method.

7 illustrates a process of confirming user information, an authentication number, and whether payment is possible in the authentication number method.

8 is an overall flowchart of an authentication number method.

9 illustrates input and transmission messages through a mobile payment-only terminal and a user mobile device in a callback method.

10 illustrates a process of inputting information and payment request through a user payment registration server in a callback method.

11 illustrates a process of confirming user information, payment availability, and payment completion performed in a callback method.

12 is an overall flowchart of the callback method.

Claims (4)

As a small payment service method using a mobile communication terminal and a mobile payment terminal, A first step of sending product information, a user's mobile number, and password information from a mobile payment-only terminal to a user payment registration server (UPRS); A second step of confirming the mobile number and the password at a user payment registration server; Generating and transmitting an authentication number from the user payment registration server; A fourth step of checking whether payment is possible; A fifth step of transmitting the authentication number from the mobile operator operating server to the user mobile device; A sixth step of inputting an authentication number into a mobile payment-only terminal; A seventh step of checking an authentication number at a user payment registration server; An eighth step of requesting a payment from a mobile operator operating server; A ninth step of processing a payment by the mobile operator operating server and transmitting a payment completion history; A tenth step of storing the payment completion history in the user payment registration server; An eleventh step of displaying payment details on the mobile payment-only terminal and the mobile device; Small payment service method comprising a. As a small payment service method using a mobile communication terminal and a mobile payment terminal, A first step of sending product information, a user's mobile number, and password information from a mobile payment-only terminal to a user payment registration server (UPRS); A second step of confirming the mobile number and password from a user payment registration server; A third step of checking whether payment is possible; Transmitting a callback character from a mobile operator operating server to a user mobile device; A fifth step of requesting a payment from a user mobile device to a mobile operator operating server; A sixth step of processing a payment by the mobile operator operating server and transmitting payment completion details; A seventh step of storing the payment completion history in the user payment registration server; An eighth step of displaying payment completion details on the mobile payment-only terminal and the mobile device; Small payment service method comprising a. As used in the micropayment service method of claim 1 or 2, A mobile payment terminal for receiving and transmitting product information and user information; A user payment registration server that receives and confirms the information from the mobile payment-only terminal and generates, transmits and confirms an authentication number; And Small payment service system characterized in that it comprises a mobile operator operating server for transmitting a short message or callback text to the user mobile device, and processing the payment. The system of claim 3, wherein the user payment registration server comprises: a user registration unit for registering a mobile number and password information of a user and an affiliated store registration unit for registering affiliate store information; A control unit controlling communication, storage and registration of information; A communication unit for communicating with a mobile payment terminal, a micro payment operating server, and a mobile operator operating server; A storage unit which stores communication information, payment information, user information, and merchant information; Micropayment service system comprising an authentication unit for generating, verifying, and storing an authentication number.

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