KR20110036481A - Method for wireless settlement based on messaging - Google Patents

Abstract

PURPOSE: A messaging-based wireless payment method is provided to supply payment details to a mobile phone of a payer when designating a specific payer through a payment program in a purchaser mobile phone. CONSTITUTION: A payment details configuring unit(130) configures the payment history information including payment processing information, and a payment details transmitting unit(135) transmits the configured payment details information to a purchaser mobile phone(100). An information reception unit(140) receives the payment information from the purchaser mobile phone. A payment processing unit(145) configures a payment approval request statement including the received payment information.

Description

Messaging-based wireless payment method {Method for Wireless Settlement Based on Messaging}

The present invention is provided with a payment program for selecting a payment method on the mobile phone of the buyer or payer, and enters payment information including payment method information, payment method authentication information, and unique information of the buyer or payer corresponding to the selected payment method. When the payment history is configured based on the payment request information received from the seller, the payment program is configured and provided to the payment program. After the payment is output from the mobile phone, the payment method is selected and the payment information is input and transmitted. It is to provide a method for processing a payment corresponding to the payment details.

There is a way for the buyer to process the card payment remotely without visiting the seller's store, where the seller purchases the wireless payment terminal and carries it with the visitor, but in this case, the seller pays the expensive wireless payment terminal. There is a problem to buy.

Another method of processing the remote card payment as described above, there is a method of having a payment program on the seller's mobile phone, the seller visits the buyer, in this case, unless the seller's mobile phone is equipped with a card reader, The card information of the buyer has a problem that can be exposed.

An object of the present invention is to provide a payment program for selecting a payment method on a mobile phone of a buyer and inputting payment information including payment method information, payment method authentication information, and purchaser specific information corresponding to the selected payment method, and then the seller. Compose the payment history based on the payment request information received from the provided by the payment program, and outputs the payment history in the mobile phone, select a payment method and enter the payment information, and transmits the payment information through the payment information The payment corresponding to the details is processed.

Another object of the present invention, if a specific payer is designated through the payment program in a buyer's mobile phone, the payment history is provided to the mobile phone of the payer, and the buyer's payment is represented using the payment information input from the payer's mobile phone. To deal with.

In the messaging-based wireless payment method according to the present invention, the server receives the seller identification information, the buyer mobile phone information and the purchase information-including the purchase amount, product information at least one from the seller terminal; Constructing a wireless message including a callback URL for transmitting to a purchaser's mobile phone corresponding to the purchaser's mobile phone information, and when the buyer's mobile phone is connected through the callback URL, the server executes a payment program (1) ), And if not provided, proceed with the download, and if provided, provide a wireless page including the execution code for driving the payment program 1 provided in the mobile phone to the mobile phone. And executing the execution code in the purchaser's mobile phone, thereby establishing a payment program (1). If the payment program 1 is not provided by searching whether the payment program 1 is provided, downloading the payment program 1 from the server, driving the downloaded or provided payment program 1, and in the payment program 1 Payment details including one or more of the purchase information, seller information-mutual information, contact information, business registration number-and payment processing information that is dynamically configured for payment processing-including one or more payment due date, request number, request date and time from the server; Receiving and outputting information; outputting a payment means selection interface for selecting a third party payment means in the payment program 1; and selecting a third party payment means through the payment means selection interface. And a third party payment requester who inputs the payer mobile phone information corresponding to the selected third party payment means in the payment program (1). Outputting a face, and when the payer mobile phone information is input through the third party payment request interface, transmitting the payer mobile phone information to the server by the payment program 1, and wirelessly by the server. Constructing a wireless message including a callback URL for access to the payer mobile phone corresponding to the payer mobile phone information, and accessing through the callback URL from the payer mobile phone, the execution code-payment at the server After searching whether the mobile phone is provided with a payment program (2), if it is not equipped to proceed with the download, and if provided with a wireless code including an execution code for driving the payment program (2) provided in the payer mobile phone Providing a page to the payer mobile phone, and executing the execution code in the payer mobile phone payment program (2) Search whether the payment program 2 is provided, if the payment program 2 is not provided, downloading the payment program 2 from the server, driving the downloaded or pre-installed payment program 2, and the payment program 2 At least one of the purchaser information, purchase information, seller information-mutual, contact, business registration number-and payment processing information dynamically configured for payment processing-including one or more payment due date, request number, request date and time from the server; Receiving and outputting payment history information, and outputting a payment method selection interface for selecting a payment method-a card payment method or a payment method-in the payment program 2, and selecting the payment means. If a payer payment method is selected through the interface, the payment program 2 is assigned to the selected payer payment method. Outputting a payment information input interface for inputting payment information including payment method information, payment method authentication information, and payment-owner specific information; and payment method information, payment method authentication information, and payer through the payment information input interface. When the unique information is input, the payment method selection information corresponding to the payment method selected by the payment method selection interface in the payment program 2 and the payment means information, payment means authentication information input through the payment information input interface Transmitting the payment information including the unique payment information to the server, and forming a payment approval request message including the received payment information at the server to request a payment to a payment institution corresponding to the payment means. And receiving the full payment approval result from the payment institution, before the payment approval result And extracting payment approval information from the door and providing the payment approval information to the seller terminal, the payer mobile phone, and the purchaser mobile phone.

In addition, the server receives from the seller terminal seller identification information, buyer mobile phone information and purchase information-including one or more purchase amount, product information-and a wireless message including a callback URL for accessing the wireless page in the server After constructing and transmitting to the buyer mobile phone corresponding to the purchaser mobile phone information, and accessing through the callback URL from the buyer mobile phone, the server checks whether the payment program (1) is provided in the execution code-buyer mobile phone, If not already provided, the download proceeds, and if provided with the execution code for driving the payment program (1) provided in the buyer's mobile phone, the received purchase information, seller information-mutual, contact information, business registration number- And payment processing information dynamically configured for payment processing, including at least one payment due date, request number, and request date and time. Providing a wireless page including the payment history information including the above to the buyer's mobile phone, and outputs the payment history information included in the wireless page from the buyer's mobile phone, and executes the execution code, the payment program (1) Search whether the payment program 1 is provided, if the payment program 1 is not provided, downloading the payment program 1 from the server, driving the downloaded or pre-installed payment program 1, and the payment program 1 Outputting a payment method selection interface for selecting a third party payment method in the case; and when the third party payment means is selected through the payment method selection interface, the selected third party payment means in the payment program 1 Outputting a third party payment request interface for inputting the payer mobile phone information corresponding to the third party; When the payer mobile phone information is input through the payment request interface, the payment program 1 transmits the payer mobile phone information to the server, and the server transmits a wireless message including a callback URL for accessing a wireless page. Comprising a step of transmitting to the payer mobile phone corresponding to the payer mobile phone information, and when the payer mobile phone is connected through the callback URL, the execution code-payer mobile phone is provided in the server is provided with a payment program (2) After the search, if not, proceed with the download, and if equipped with a wireless page containing the execution code and payment history information for driving the payment program (2) provided in the payer mobile phone to the payer mobile phone Providing, and outputting the payment history information contained in the wireless page from the payer mobile phone, the execution code Search the payment program 2 if the payment program 2 is provided. If the payment program 2 is not provided, the payment program 2 is downloaded from the server, and the downloaded or pre-installed payment program 2 is driven. And outputting a payment means selection interface for selecting a payer payment means-a card payment means or an account payment means in the payment program 2, and selecting the payment means through the payment means selection interface. Outputting a payment information input interface for inputting payment information including payment means information, payment means authentication information, and payment specific information corresponding to the selected payment method; and through the payment information input interface. When payment method information, payment method authentication information, and unique payment information is entered, the payment program (2) in the payment Sending payment method selection information corresponding to the payment method selected by the payment means selection interface and payment information including payment method information, payment method authentication information, and payment-owner-specific information input through the payment information input interface to the server. And forming a payment approval request message including the received payment information in the server, requesting a payment to a payment institution corresponding to the payment means, and receiving a payment approval result message from the payment institution. And extracting payment approval history information from the full text of the payment approval result and providing it to the seller terminal, the payer mobile phone, and the purchaser mobile phone.

In addition, the server receiving the seller identification information, the buyer mobile phone information and purchase information-including the purchase amount, product information at least one from the seller terminal, the server including a callback URL, the payer mobile phone specified by the buyer Comprising a wireless message that can be delivered to the buyer's mobile phone information corresponding to the buyer's mobile phone information, and the payer mobile phone receives the wireless message from the buyer's mobile phone via the callback URL, execution code in the server- After checking whether a payment program is provided in the payer mobile phone, if it is not available, the downloader proceeds, and if provided, a wireless page including an execution code for driving the payment program provided in the payer mobile phone is provided. Providing a mobile phone, and the execution code in the payer mobile phone Executing a search to check whether a payment program is provided and downloading a payment program from the server when the payment program is not provided, and driving a downloaded or pre-installed payment program, and the purchaser information from the server in the payment program. Receive payment history information including one or more of purchase information, purchase information, merchant information-trade name, contact number, business registration number-and payment processing information dynamically configured for payment processing-including one or more payment deadlines, request numbers, and request date and time. And outputting a payment means selection interface for selecting a payer payment means-a card payment means or an account payment means in the payment program, and a payment means for payment is selected through the payment means selection interface. If the selected payer in the payment program Outputting a payment information input interface for inputting payment information including payment method information, payment method authentication information, and payment-owner-specific information corresponding to the means; payment method information and payment method authentication through the payment information input interface; When the information and the unique information of the payer are input, the payment means selection information corresponding to the payer payment means selected through the payment means selection interface in the payment program and the payment means information and payment means authentication input through the payment information input interface. Transmitting the payment information including the payment information including the payment information and the payment specific information to the server, and constructing a payment approval request message including the received payment information at the server to pay the payment institution corresponding to the payment method. Requesting and receiving the full payment approval result from the payment institution, the payment And extracting payment approval history information from the full text of the approval result and providing the information to the seller terminal, the payer mobile phone, and the buyer mobile phone.

In addition, the server receiving the seller identification information, the buyer mobile phone information and purchase information-including the purchase amount, product information at least one from the seller terminal, the server including a callback URL, the payer mobile phone specified by the buyer Comprising a wireless message that can be delivered to the buyer's mobile phone information corresponding to the buyer's mobile phone information, and when the mobile phone receives the wireless message from the buyer's mobile phone via the callback URL, the execution code in the server -After checking whether the payment program is provided in the mobile phone of the payer, proceed to download if it is not available, and if provided, the execution code for driving the payment program provided in the mobile phone of the payer; Information, purchase information, seller information-trade name, contact number, business registration number-and payment processing Providing a wireless page including the one or more payment processing information dynamically configured for the payment processing information, including one or more of a payment deadline, request number, and request date and time, to the payer mobile phone; Outputs the payment history information contained in the; and executes the execution code to search whether a payment program is provided, and if a payment program is not provided, downloads a payment program from the server and drives a downloaded or pre-installed payment program. And outputting a payment means selection interface for selecting a payer payment means-a card payment means or an account payment means in the payment program; and when a payer payment means is selected through the payment means selection interface, Payment means information corresponding to the selected payer payment means, Outputting a payment information input interface for inputting payment information including payment means authentication information and payment unique information; and when payment means information, payment method authentication information, and payment unique information are input through the payment information input interface. And payment means selection information corresponding to the payment means selected by the payment means selection interface in the payment program and payment means information, payment means authentication information, payment unique information information input through the payment information input interface; Transmitting payment information to the server, constructing a payment approval request message including the received payment information from the server, requesting payment to a payment institution corresponding to the payment method, and payment from the payment institution When the full text of the approval result is received, within the payment approval from the full text of the payment approval result Extracting the information includes the step of providing to the merchant terminal and the payer and the buyer's mobile phone handset.

According to the present invention, after selecting a payment method on the buyer's mobile phone, and having a payment program for inputting payment information including payment method information, payment method authentication information, and purchaser specific information corresponding to the selected payment method, If the payment history is configured based on the received payment request information and provided to the payment program, the payment history is output from the mobile phone, a payment method is selected, and the payment information is input and transmitted. There is an advantage in processing the payment corresponding to.

According to the present invention, if a specific payer is designated through the payment program in the buyer's mobile phone, the payment history is provided to the mobile phone of the payer, and the payment is processed on behalf of the buyer using the payment information input from the payer's mobile phone. This has the advantage.

According to the present invention, when the seller periodically requests payment to the buyer, after receiving the seller identification information, the buyer mobile phone information, and purchase information from the seller and storing the information in the storage medium, the buyer identifies the seller identification information and the information through the automatic response server. Providing the purchaser mobile phone information has the advantage of processing the payment corresponding to the purchase information through the payment program provided in the mobile phone of the buyer after confirming the corresponding purchase information from the storage medium.

1 is a diagram illustrating a messaging based wireless payment system configuration according to a first embodiment of the present invention.
2 is a block diagram of a messaging-based wireless payment system according to a second embodiment of the present invention.
3 is a block diagram of a messaging-based wireless payment system according to a method 3-1 of the present invention.
4 is a diagram illustrating a configuration of a messaging-based wireless payment system according to a fourth embodiment of the present invention.
5 is a block diagram illustrating a messaging-based wireless payment system according to a third method of the present invention.
FIG. 6 is a diagram illustrating a messaging-based wireless payment system according to a fourth embodiment of the present invention.
7 is a diagram showing the configuration of a messaging-based wireless payment system according to a third method of the present invention.
8 is a block diagram illustrating a messaging-based wireless payment system according to a fourth embodiment of the present invention.
9 is a diagram showing the configuration of a messaging-based wireless payment system according to a fifth embodiment of the present invention.
10 is a diagram showing the configuration of a messaging-based wireless payment system according to a method 6-1 of the present invention.
11 is a block diagram of a messaging-based wireless payment system according to a fifth embodiment of the present invention.
12 is a diagram showing the configuration of a messaging-based wireless payment system according to a method 6-2 of the present invention.
13 is a diagram illustrating a payment program configuration according to an embodiment of the present invention.
14 is a diagram illustrating a process of transmitting a payment history by driving a payment program to a mobile phone of a buyer through wireless messaging according to the first or third embodiment of the present invention.
FIG. 15 is a diagram illustrating a process of transmitting a payment history by driving a payment program to a purchaser's mobile phone through wireless messaging according to the second or fourth embodiment of the present invention.
16 is a process for outputting payment details, selecting a payment method, and inputting payment information corresponding to a payment method in a payment program provided in a purchaser's mobile phone according to the first to fourth embodiments of the present invention; Figure is a diagram.
FIG. 17 is a diagram illustrating a process of transmitting a payer's mobile phone information and a buyer's information by selecting a third party's payment means in a payment program provided in the buyer's mobile phone according to the method 3-1 or 4-1 of the present invention. to be.
FIG. 18 is a diagram illustrating a process of delivering a wireless message including a callback URL to a payer mobile phone according to a method 3-2 or 4-2 of the present invention.
19 is a diagram illustrating a process of transmitting a wireless message including a callback URL to a payer mobile phone according to the third or fourth embodiment of the present invention.
FIG. 20 is a diagram illustrating a process of transmitting a payment history by driving a payment program to a payer mobile phone through wireless messaging according to the method 3-1, 2, 3 of the present invention.
FIG. 21 is a diagram illustrating a process of transmitting a payment history by driving a payment program to a payer mobile phone through wireless messaging according to the fourth embodiment of the present invention.
22 illustrates a process of outputting payment details, selecting a payment method, and inputting payment information corresponding to the payment method in a payment program provided in the payer mobile phone according to the third or fourth exemplary embodiment of the present invention. Figure is shown.
FIG. 23 is a diagram illustrating a process of confirming purchase information to be included in payment details to be provided to a buyer's mobile phone through an automatic response server according to the method 5-1 or 6-1 of the present invention.
FIG. 24 is a diagram illustrating a process of confirming purchase information to be included in payment details to be provided to a buyer's mobile phone through an automatic response server according to the method 5-2 or 6-2 of the present invention.
25 is a diagram illustrating a payment processing process according to the first to sixth embodiments of the present invention.
FIG. 26 is a diagram illustrating a process of generating a one-time password through a one-time password generation program for each payment method and including the payment means authentication information according to an embodiment of the present invention.

Hereinafter, with reference to the accompanying drawings and description will be described in detail the operating principle of the preferred embodiment of the present invention. However, the drawings and the following description shown below are for the preferred method among various methods for effectively explaining the features of the present invention, the present invention is not limited only to the drawings and description below. In the following description of the present invention, a detailed description of known functions and configurations incorporated herein will be omitted when it may make the subject matter of the present invention rather unclear. In addition, terms to be described below are terms defined in consideration of functions in the present invention, which may vary according to a user's or operator's intention or custom. Therefore, the definition should be made based on the contents throughout the present invention.

As a result, the technical spirit of the present invention is determined by the claims, and the following examples are one means for efficiently explaining the technical spirit of the present invention to those skilled in the art to which the present invention pertains. It is only.

1 is a diagram showing the configuration of a messaging-based wireless payment system according to a first embodiment of the present invention.

In more detail, in FIG. 1, when payment request information including seller identification information, buyer mobile phone 100 information, and purchase information is received from a seller terminal 105, the buyer through messaging through the buyer mobile phone 100 information is received. After driving the payment program provided in the mobile phone 100, one of the seller information corresponding to the purchase information and the seller identification information and payment processing information (payment period, request number, request date, etc.) dynamically configured for payment processing Payment information including the above is provided to the buyer mobile phone 100 and output through the payment program, payment information corresponding to the buyer payment method selected through the payment program (payment means selection information, payment means information, payment means As a system configuration for processing payment for the purchase information by receiving authentication information, purchaser specific information, etc.) Those skilled in the art will appreciate that various implementation methods (eg, some components may be omitted, subdivided, or combined) of the messaging-based wireless payment system configuration by referring to and / or modifying this drawing. Implementation method) may be inferred, but the present invention includes all the implementation methods inferred, and the technical features are not limited only to the implementation method shown in FIG.

For example, each means of constituting the wireless payment system of the present invention may be implemented in the form of one individual server itself, or in the form of a program code provided in a part of a server and a part of a server. Or, it is possible that each means is implemented in the form of a program that is all provided in a particular server.

In addition, hereinafter, description of the subsequent drawings, which maintain the description of the previous drawings after the drawing 1 will be omitted for convenience.

According to the present invention, the messaging-based wireless payment system, the seller terminal 105 and the buyer mobile phone for transmitting payment request information including the seller identification information, the buyer mobile phone 100 information and the purchase information in response to a purchaser's purchase request It is connected to the purchaser mobile phone 100 corresponding to the information, and is connected to the bansa server and the card company server (or financial company server) for payment processing.

The purchaser mobile phone 100 is provided with a payment program that is remotely driven through messaging through the purchaser mobile phone 100 information received from the seller terminal 105, the payment program is a payment history received from the wireless payment system And outputting information, selecting a buyer payment method, and inputting payment method information, payment method authentication information, and purchaser specific information corresponding to the selected buyer payment method, and transmitting the program code to the wireless payment system.

According to another exemplary embodiment of the present invention, the purchaser terminal (not shown) may provide payment request information including seller identification information, buyer mobile phone 100 information, and purchase information to the wireless payment system.

For example, when charging the prepaid card / electronic money using the messaging-based wireless payment system, the buyer terminal and the seller identification information (for example, the charger tube) and the buyer's mobile phone (100) information to request the charging payment; Payment request information including purchase information (eg, a charged amount) may be provided to the wireless payment system.

Referring to FIG. 1, the messaging-based wireless payment system includes a seller D / B 155 for storing seller information registered to transmit the payment request information through the seller terminal 105, and the seller information. Includes seller identification information matching the payment request information, and includes one or more business registration numbers, trade names, and contacts included in the payment history information to be transmitted to the purchaser's mobile phone 100.

Here, the seller identification information includes an identification number and an identification code uniquely assigned to identify the seller in the wireless payment system, and any one of a business registration number, a trade name, and a contact number according to the intention of a person skilled in the art. When used as the seller identification information can be omitted.

According to the exemplary embodiment of the present invention, when the seller terminal 105 transmits the payment request information, the wireless payment system may check the validity of the seller transmitting the payment request information. It may further include seller authentication information (eg, seller ID / PW information, seller authentication number, etc.) to confirm.

According to another exemplary embodiment of the present invention, the seller information may be included in the payment request information and received by the wireless payment system. In this case, the seller D / B 155 may be omitted.

Referring to FIG. 1, the messaging-based wireless payment system, when the payment program is not provided in the purchaser mobile phone 100 corresponding to the purchaser mobile phone 100 information included in the payment request information, the purchaser mobile phone 100 Program D / B 160 for storing a payment program to be provided.

In this case, the payment program may be classified and provided for each mobile phone platform (eg, an operating system for each mobile phone, a middleware platform, etc.) provided in each purchaser mobile phone 100.

Referring to FIG. 1, when the messaging-based wireless payment system transmits a wireless message including a callback URL to the purchaser mobile phone 100 corresponding to the purchaser mobile phone 100 information included in the payment request information, the callback And a page management D / B 165 for constructing and operating a wireless page corresponding to the URL.

The wireless page operated through the page management D / B 165 searches for whether a payment program is provided in the purchaser's mobile phone 100, and proceeds to download it if it is not available, and if it is provided, the purchaser's mobile phone 100 It includes an execution code for driving the payment program provided in. Hereinafter, in the present invention, the wireless page means a wireless internet page or a full browsing web page that basically includes the execution code.

Referring to FIG. 1, the messaging-based wireless payment system includes a payment request receiving unit 110 for receiving seller identification information, buyer mobile phone 100 information, and purchase information from the seller terminal 105, and the wireless page. Message transmission means 115 for constructing a wireless message including a callback URL for providing to the buyer mobile phone 100 to the buyer mobile phone 100 corresponding to the information of the buyer mobile phone 100, and the buyer mobile phone 100 At the callback URL), a page providing means 120 for providing a wireless page including the execution code to the purchaser's mobile phone 100 is provided, and the payment program is not provided at the purchaser's mobile phone 100. If not, it is further provided with a program providing means 125 for providing a payment program to the buyer mobile phone (100).

When the seller terminal 105 including the seller's computer or mobile phone registered as a seller of the wireless payment system enters the seller identification information, the buyer's mobile phone information 100, and the purchase information and transmits the information through the communication network, the payment request receiving means 110 receives payment request information including the seller identification information, the buyer mobile phone 100 information, and the purchase information through a communication network.

According to an embodiment of the present invention, the seller terminal 105 includes a seller program for inputting and transmitting the payment request information, or inputs and transmits the payment request information through a web page (or wireless page) access method. Can be.

If the seller D / B 155 is provided in the wireless payment system, and the seller authentication is processed before the seller terminal 105 inputs the payment request information, a part of the payment request information (for example, the seller) is provided. Identification information) may be provided from the wireless payment system to the seller terminal 105 and automatically entered on the seller program or web page (or wireless page).

Alternatively, when the seller terminal 105 is a mobile phone and the payment request information is input from the seller terminal 105 after a call connection between the buyer mobile phone 100 and the seller mobile phone, the buyer mobile phone 100 included in the payment request information Information may be identified through caller information and automatically entered on the merchant program or web page (or wireless page).

When the payment request information is received from the seller terminal 105, the message transmission means 115 constructs a wireless message including a callback URL included in the payment request information to correspond to the buyer mobile phone 100 information. The mobile page transmits to the mobile phone 100. The wireless page searches whether the payment program is provided in the mobile phone 100 corresponding to the mobile phone 100 information. It includes an execution code for driving a payment program provided in the purchaser mobile phone (100).

Here, the execution code is a code provided to the purchaser's mobile phone 100 and executed (or driven) through the wireless page, and may preferably include a script code or a program code.

When the purchaser mobile phone 100 receiving the wireless message accesses the wireless payment system through the callback URL, the page providing unit 120 corresponds to the callback URL with reference to the page management D / B 165. A wireless page is provided to the purchaser's mobile phone 100, and the execution code included in the wireless page is executed (or driven) to search whether the payment program is provided in the purchaser's mobile phone 100.

If the purchaser mobile phone 100 is not provided with the payment program, the execution code provides information to identify the platform of the purchaser mobile phone 100 to the wireless payment system, thereby providing the program providing means ( 125 provides a payment program executable (or driven) on the platform of the buyer mobile phone 100 to the buyer mobile phone 100.

If the payment program is already provided in the purchaser mobile phone 100 or the payment program is downloaded, the execution code executes (or drives) the payment program that has been downloaded or is already provided.

According to another embodiment of the present invention, the wireless message is capable of delivering a relatively large amount of information, such as MMS / LMS, or the mobile phone receiving the wireless message provides a data communication capable of delivering a large amount of information, such as a smartphone In this case, the payment history information may be provided directly included in the wireless message.

Alternatively, when the mobile phone is a smart phone, the payment program may be implemented in the form of a plug-in of a browser provided in the smart phone.

According to another exemplary embodiment of the present invention, the payment program may be inserted into a code set to search for and download or drive the payment program in the wireless message, and then download or drive the search program. Providing a wireless page may be omitted.

That is, in FIG. 1, the configuration for searching and downloading or driving the payment program through a wireless page including a wireless message and an execution code including a callback URL is provided for driving the payment program provided in the mobile phone through messaging. It is only an exemplary embodiment, and the search and download or driving of the payment program through the messaging is not limited to the combination of a wireless message including the callback URL and a wireless page including the execution code.

Referring to FIG. 1, the messaging-based wireless payment system includes one or more payment processing information dynamically configured for the purchase information, seller information, and payment processing, including one or more payment deadlines, a request number, and a request date and time. Payment history configuration means 130 for configuring payment history information, Payment history transmission means 135 for transmitting the configured payment history information to the buyer mobile phone 100 corresponding to the buyer mobile phone 100 information, and the buyer When the buyer payment method is selected in the payment program provided in the mobile phone 100, and the payment method information, payment method authentication information, and purchaser specific information corresponding to the buyer payment method are inputted and transmitted, payment is made from the buyer mobile phone 100. Information receiving means 140 for receiving payment information including means selection information, payment means information, payment means authentication information, and purchaser specific information; A payment processing means 145 for constructing a payment approval request message including the received payment information and requesting a payment to a payment institution corresponding to the buyer payment method, and receiving a payment approval result full text from the payment institution, and the payment approval result It is provided with a payment result providing means 150 for extracting the payment approval history information from the full text provided to the seller terminal 105 and the buyer mobile phone (100).

When the payment request information is received from the seller terminal 105, the payment history configuration means 130 matches the purchase information included in the payment request information with the seller identification information included in the payment request information and the seller D. Seller information (or seller information received in the payment request information) stored in / B (155), and the payment due date, request number, request date and time dynamically configured in the wireless payment system for payment processing for the purchase information Configure payment history information including payment processing information including one or more.

When the payment program is driven in the purchaser's mobile phone 100, the payment program requests payment details information from the wireless payment system. In response, the payment details transmission means 135 transmits the payment details configuration means 130. The payment history information is configured to transmit to the purchaser mobile phone 100 corresponding to the purchaser mobile phone 100 information, and in response, the payment program receives and outputs the payment history information.

When the purchaser's payment request for the payment history information is confirmed, the payment program selects a payment method selection interface for selecting a buyer payment method, payment method information, payment method authentication information, and purchaser specific information corresponding to the selected buyer payment method. Outputs a payment information input interface for inputting and processing the payment information including payment means selection information, payment means information, payment means authentication information, buyer specific information, and transmits the payment information to the wireless payment system.

The information receiving means 140 receives the payment information transmitted from the purchaser mobile phone 100, the payment processing means 145 configures the payment approval request message including the received payment information sent to the Bansa server By making a payment request to a payment institution (card company server or a financial company server) corresponding to the buyer payment method, a payment approval result including payment approval details is received from the payment institution.

When the payment approval result full text is received from the payment institution, the payment result providing means 150 extracts payment approval history information from the payment approval result full text and provides it to the seller terminal 105 and the purchaser mobile phone 100. .

2 is a block diagram of a messaging-based wireless payment system according to a second embodiment of the present invention.

In more detail, FIG. 2 illustrates that when payment request information including seller identification information, buyer mobile phone 100 information, and purchase information is received from a seller terminal 105, the purchase through messaging through the buyer mobile phone 100 information. Providing payment history information including one or more seller information corresponding to the information and the seller identification information and one or more payment processing information (payment due date, request number, request date and time) that is dynamically configured for payment processing to the buyer mobile phone 100 After outputting and driving the payment program provided in the buyer mobile phone 100, payment information corresponding to the buyer payment method selected through the payment program (payment means selection information, payment means information, payment means authentication information, buyer specific And a system configuration for processing payment for the purchase information by receiving information, etc.). Those skilled in the art can refer to and / or modify this drawing to implement various implementation methods (e.g., some components are omitted, subdivided, or combined) for the messaging-based wireless payment system configuration. It may be inferred, but the present invention includes all the inferred implementation methods, and the technical features are not limited to the implementation method illustrated in FIG. In FIG. 2, detailed descriptions of the same components as those described above will be omitted for convenience.

For example, the present invention can be implemented in the form of a combination of some configurations of the first embodiment shown in Figure 1 and the second embodiment shown in Figure 2, the present invention will be described below It is clearly to be understood that it includes all forms of implementations in combination with some of the constructions of the implementation methods set forth in.

Referring to FIG. 2, the messaging-based wireless payment system includes a payment request receiving means 200 for receiving seller identification information, buyer mobile phone 100 information, and purchase information from the seller terminal 105, the purchase information, Billing history configuration means 220 for configuring payment history information including one or more of the seller information and payment processing information that is dynamically configured for payment processing-including one or more payment due date, request number, request date and time; Message transmission means 205 for constructing a wireless message including a callback URL for providing to the buyer mobile phone 100 to the buyer mobile phone 100 corresponding to the buyer mobile phone 100 information, and the buyer mobile phone 100 When the number is provided through the callback URL), a page providing the wireless page including the execution code and payment history information to the buyer mobile phone 100 is provided. It includes a (210), if it is not the billing program provided on the buyer's mobile phone 100, is achieved by further comprising a program providing unit 215 to provide payment to the buyer's mobile phone program 100.

In the method shown in Figure 2 the payment history information is provided to the buyer mobile phone 100 via a wireless page, the payment program provided in the buyer mobile phone 100 selects the buyer payment means, the selected And a program code structure for inputting payment means information, payment means authentication information, and buyer specific information corresponding to the buyer payment means and transmitting the same to the wireless payment system.

According to another embodiment of the present invention, the wireless message is capable of delivering a relatively large amount of information, such as MMS / LMS, or the mobile phone receiving the wireless message provides a data communication capable of delivering a large amount of information, such as a smartphone In this case, the payment history information may be directly included in the wireless message and provided to the mobile phone. In this case, the wireless page may include only the execution code.

Alternatively, when the mobile phone is a smart phone, the payment program may be implemented in the form of a plug-in of a browser provided in the smart phone.

According to another exemplary embodiment of the present invention, the payment program may be inserted into a code set to search for and download or drive the payment program in the wireless message, and then download or drive the search program. Providing a wireless page may be omitted.

That is, in FIG. 2, the configuration for searching for and downloading or driving the payment program through a wireless page including a wireless message and an execution code including a callback URL is provided for driving the payment program provided in the mobile phone through messaging. It is only an exemplary embodiment, and the search and download or driving of the payment program through the messaging is not limited to the combination of a wireless message including the callback URL and a wireless page including the execution code.

Referring to FIG. 2, the messaging-based wireless payment system selects a buyer payment method from a payment program provided in the buyer mobile phone 100, and includes payment means information, payment means authentication information, and buyer corresponding to the buyer payment means. When receiving and transmitting the unique information, the information receiving means 225 for receiving payment information including payment means selection information, payment means information, payment means authentication information, buyer specific information from the buyer mobile phone 100, and the reception A payment processing means 235 for forming a payment approval request message including payment information, and requesting payment to a payment institution corresponding to the buyer payment method, and receiving a payment approval result full text from the payment institution, and the payment approval result Extract payment approval information from the full text and provide the payment result provided to the seller terminal 105 and the purchaser mobile phone 100. It is provided with a blank means (230).

3 is a diagram showing the configuration of a messaging-based wireless payment system according to a method 3-1 of the present invention.

In more detail, FIG. 3 illustrates a case where a purchaser mobile phone 100 on the messaging-based wireless payment system shown in FIG. 1 is provided with a payment program 1 having the functional configuration shown in FIG. 13. When the third party payment means is selected without selecting the buyer payment method through the payment program (1), the information regarding the payer mobile phone 300 requesting the third party payment is input and transmitted, The system configuration for processing the payment for the payment request information received from the seller terminal 105 via the payer mobile phone 300 instead of (100), and the general knowledge in the technical field to which the present invention belongs The present invention, various implementation methods (e.g., some components may be omitted or subdivided) for configuring the messaging-based wireless payment system by referring to and / or modifying the present invention. Would be able to infer, or combined method embodiment), the present invention is made, including any exemplary way in which the inference, to which the technical feature that is not limited to the exemplary method shown in the figure 3.

Referring to FIG. 3, the messaging-based wireless payment system includes a payment request for receiving seller identification information, buyer mobile phone 100 information, and purchase information, including purchase amount and product information, from the seller terminal 105. Receiving means 305 and one or more of the purchase information, seller information-trade name, contact information, business registration number-and payment processing information that is dynamically configured for payment processing-including one or more payment due date, request number, request date and time- The buyer corresponding to the buyer's mobile phone 100 information by configuring a wireless message including a payment history configuration means 325 constituting the payment history information, and a callback URL for providing a wireless page to the buyer's mobile phone 100. Message transmission means 310 for transmitting to the mobile phone 100, and when the buyer mobile phone 100 is connected through the callback URL, a wireless page containing the execution code A page providing means 315 provided to the purchaser's mobile phone 100, and if the payment program 1 is not provided in the purchaser's mobile phone 100, the payment program 2 is performed by the purchaser's mobile phone 100. It further comprises a program providing means for providing 320.

Here, the payment program 1 outputs payment details received from the wireless payment system, selects a third party payment method instead of a buyer payment method, and requests the third party payment 300 Program code configuration for inputting and transmitting information to the wireless payment system.

Referring to FIG. 3, the messaging-based wireless payment system executes the execution code in the purchaser mobile phone 100 to search whether a payment program 1 is provided, and if the payment program 1 is not provided, the server. When the payment program 1 is downloaded from the payment program, and the downloaded or pre-installed payment program 1 is driven, the payment information is transmitted to the purchaser mobile phone 100 corresponding to the purchaser mobile phone 100 information. By selecting the third party payment means in the details transmission means 330, the payment program (1) provided in the buyer's mobile phone 100, and enters the information of the payer mobile phone 300 requesting the third party payment When the transmission, the information receiving means 335 for receiving the payer mobile phone 300 is made.

When the buyer selects a third party payment method, the payment program 1 includes a payment method selection interface for selecting a third party payment method, and information about the payer mobile phone 300 corresponding to the selected third party payment method. And outputs a third party payment request interface for inputting the buyer information, and inputs and processes the payer mobile phone 300 information and the buyer information corresponding to the third party to the wireless payment system, and transmits the information to the wireless payment system. ) Receives the payer mobile phone 300 information.

When the payer mobile phone 300 information is received from the purchaser mobile phone 100, the message transmitting means 310 constructs a wireless message including a callback URL for providing a wireless page to the payer mobile phone 300. The payer mobile phone 300 transmits the information to the payer mobile phone 300 corresponding to the information.

Here, the wireless message transmitted to the payer mobile phone 300 may further include buyer identification information that allows the payer to identify (or confirm) the buyer requesting the payment, and the buyer identification information is the buyer. Mobile phone 100 information, buyer ID, may include one or more buyer name.

When the buyer identification information includes the buyer mobile phone 100 information, the buyer mobile phone 100 information may use the buyer mobile phone 100 information received from the seller terminal 105 as it is.

When the buyer identification information includes the buyer ID or the buyer name, the buyer ID or the buyer name may be included in the payer mobile phone 300 information transmitted from the buyer mobile phone 100 and received.

If the buyer is a member of the wireless payment system, the buyer ID or the buyer's name may be extracted from the member D / B (not shown) based on the buyer's mobile phone 100 information. / B stores and stores the buyer mobile phone 100 information, the buyer ID, and the buyer name.

According to another aspect of the present invention, the wireless message may include a callback number for connecting a voice call channel with an automatic answering server (not shown in FIG. 3) instead of the callback URL, in which case the payer mobile phone 300 ) Is connected to the automatic answering server and the voice call channel through the callback number, the payment means information corresponding to the payer payment means using the payment means selection voice message and payment information input voice comment provided by the automatic answer server; Payment information, including payment means authentication information and payer specific information, can be input and transmitted.

After the wireless message including the callback URL is provided to the payer mobile phone 300, the payer mobile phone 300 accesses through the callback URL, and the page providing means 315 includes the execution code. Provide a wireless page to the payer mobile phone (300).

According to another aspect of the present invention, the wireless page provided to the payer mobile phone 300 displays the payment history information on the payer mobile phone 300 screen instead of the execution code, the payer mobile phone 300 A payment method selection interface for selecting a payer payment means (for example, a card payment means or an account payment means); and when a payer payment means is selected through the payment means selection interface, a payment corresponding to the selected payer payment means The page information may include a payment information input interface for inputting payment information including means information, payment means authentication information, and payer specific information.

Here, the payment means selection interface and payment information input interface may be displayed on one wireless page or through two or more different wireless pages, and the present invention is not limited thereto.

If the wireless page includes the payment method selection interface and payment information input interface, the payer mobile phone 300 selects a payment method of payment by the payment method selection interface and payment information input interface included in the wireless page. In addition, payment information including payment means information, payment means authentication information, and payer specific information corresponding to the selected payment means may be input and transmitted.

According to another embodiment of the present invention, when the payer payment means usable in the payer mobile phone 300 is fixed to any one, the payment means selection interface may be omitted, and the present invention is not limited thereto.

A wireless page including the execution code is received by the payer mobile phone 300, and the payer mobile phone 300 executes the execution code to search whether a payment program 2 is provided and the payment program 2. If it is not provided, if the payment program (2) is downloaded from the server, and the downloaded or pre-installed payment program (2) is driven, the payment history transmission means 330 sends the payment history information to the payer mobile phone 300 to the payer mobile phone 300 corresponding to the information.

If the buyer identification information is not included in the wireless message provided to the payer mobile phone 300, the payment history information provided to the payer mobile phone 300 identifies the buyer requesting the payment by the payer (or The identification information may further include buyer identification information, and the buyer identification information may include one or more of the buyer mobile phone 100 information, the buyer ID, and the buyer name.

According to another exemplary embodiment of the present invention, the purchaser identification information may not be provided to the payer mobile phone 300, and thus the present invention is not limited thereto.

Referring to FIG. 3, the messaging-based wireless payment system transmits payment means information, payment means authentication information, and purchaser specific information corresponding to the payer payment means from the payer mobile phone 300, and transmits the payment. Information receiving means 335 for receiving payment information including payment means selection information, payment means information, payment means authentication information, and purchaser specific information from the mobile phone 300, and a payment approval request including the received payment information. A payment processing means 340 for receiving a payment approval result from the payment institution and a payment approval history information from the payment approval result message; And the payment result providing means 345 provided to the seller terminal 105, the payer mobile phone 300, and the purchaser mobile phone 100. .

The payment program 2 is driven in the payer mobile phone 300, selects a payment means payment method through the payment program (2), payment means information corresponding to the payment means payment means, payment means authentication information When transmitting payment information including one or more buyer specific information, the information receiving means 335 receives the payment information.

According to another aspect of the present invention, the payer mobile phone 300 selects a payer payment method through an interface included in the wireless page, and the payment means information, payment means authentication information, buyer corresponding to the payer payment means When the payment information including at least one unique information is transmitted, the information receiving means 335 may receive the payment information.

According to another aspect of the present invention, when the payer mobile phone 300 connects an automatic answering server and a voice call channel through a callback number included in the wireless message to input and transmit the payment information, the information receiving means ( 335 may receive the payment information from the auto-response server.

Referring to FIG. 3, the messaging-based wireless payment system includes a delivery person (or seller) who delivers or delivers the purchased item to the purchaser when the purchaser purchases a purchase item that requires delivery or delivery from the seller. Payment processing confirmation means 350 for receiving the predetermined unique identification information from the bearer communication means (or seller communication means), and processing or authenticating the received unique identification information to the payer mobile phone 300; It may be further provided with.

According to an aspect of the present invention, the unique identification information is information set to enable the payer to determine that the deliverer (or seller) has delivered or delivered the purchase product to the buyer, and is provided from the buyer to provide the delivery. After input through the user communication means (or seller communication means) may be transmitted to the payment processing confirmation means 350.

If the unique identification information is identification information that is set such that the payer (or seller) can confirm that the payer has delivered or delivered the purchase to the buyer, the payment processing confirmation means 350 is the unique identification Process the information to be delivered to the payer mobile phone (300). Here, the unique identification information is included in a wireless message transmitted from the message transmitting means 310 to the payer mobile phone 300, or provided by the page providing means 315 to the payer mobile phone 300. It may be included in or included in the payment history information provided to the payer mobile phone 300 in the payment history transmission means 330.

Or when the unique identification information includes a preset password or an authentication code so that the delivery person (or seller) can verify that the purchaser has delivered or delivered the purchase item, the payment processing confirmation means 350 By authenticating the received unique identification information through a pre-registered password or authentication code, the delivery person (or seller) may authenticate that the purchaser delivered or delivered the purchaser to the buyer, the delivery or delivery of the purchase article If the authentication is transmitted from the message transmitting means 310 to the payer mobile phone 300, the page providing means 315 to transmit a wireless page, or the payment history transmitting means 330 Payment history information can be transmitted.

According to another aspect of the present invention, the unique identification information is unique identification information assigned to the purchase article or the payment history information before delivery or delivery of the purchase article, the purchase through the delivery (or seller) Provided to the courier communication means (or seller communication means) before delivery or delivery of the goods, and the courier communication means (or seller communication) after the courier (or seller) delivers or delivers the purchase to the buyer. Means) may be transmitted to the payment processing confirmation means 350.

Here, the unique identification information is included in a wireless message and provided to the delivery person communication means (or seller communication means).

The unique identification information delivered to the delivery means (or seller communication means) is transmitted to the payment processing confirmation means 350 through MO message-based wireless message transfer, or through a callback number included in the wireless message. A call connection with an automatic answering server may be delivered to the payment processing confirmation means 350, or may be transferred to the payment processing confirmation means 350 by accessing a wireless page through a callback number included in the wireless message.

4 is a diagram illustrating a messaging-based wireless payment system according to a fourth embodiment of the present invention.

In more detail, FIG. 4 illustrates a case where a purchaser mobile phone 100 on the messaging-based wireless payment system shown in FIG. 2 is provided with a payment program 1 having the functional configuration shown in FIG. 13. When the third party payment means is selected without selecting the buyer payment method through the payment program (1), the information regarding the payer mobile phone 300 requesting the third party payment is input and transmitted, The system configuration for processing the payment for the payment request information received from the seller terminal 105 via the payer mobile phone 300 instead of (100), and the general knowledge in the technical field to which the present invention belongs The present invention, various implementation methods (e.g., some components are omitted or subdivided) for configuring the messaging-based wireless payment system by referring to and / or modifying the present invention. Would be able to infer, or combined method embodiment), the present invention is made, including any exemplary way in which the inference, to which the technical feature that is not limited to the exemplary method shown in the figure 4.

Referring to FIG. 4, the messaging-based wireless payment system includes a payment request receiving means 400 for receiving seller identification information, buyer mobile phone 100 information, and purchase information from a seller terminal 105, the purchase information, and a seller. Payment history configuration means 420 for configuring payment history information including one or more payment processing information that is dynamically configured for information and payment processing, and a callback URL for providing a wireless page to the buyer mobile phone (100) A message transmission means 405 for constructing a wireless message and transmitting the message to the buyer's mobile phone 100 corresponding to the buyer's mobile phone 100 information, and when the buyer's mobile phone 100 is connected through the callback URL, the execution code and payment And a page providing means 410 for providing a wireless page including history information to the purchaser mobile phone 100, and providing a payment program to the purchaser mobile phone 100. If RAM is not provided, it is made by further comprising a program providing unit 415 to provide payment to the buyer's mobile phone program 100.

In the method illustrated in FIG. 4, the payment history information is provided to the buyer mobile phone 100 through a wireless page, and the payment program 1 provided in the buyer mobile phone 100 uses a third party payment means. And a program code configuration for inputting the payer mobile phone 300 information requesting the third party payment and transmitting the information to the wireless payment system.

Referring to FIG. 4, the messaging-based wireless payment system selects a third party payment means from a payment program 1 included in the purchaser mobile phone 100, and requests a third party payment from a payer mobile phone ( When the information is input and transmitted, the information receiving means 425 for receiving the payer mobile phone 300 information is provided.

When the payer mobile phone 300 information is received from the purchaser mobile phone 100, the message transmitting means 405 constructs a wireless message including a callback URL for providing a wireless page to the payer mobile phone 300. The payer mobile phone 300 transmits the information to the payer mobile phone 300 corresponding to the information.

Here, the wireless message transmitted to the payer mobile phone 300 may further include buyer identification information that allows the payer to identify (or confirm) the buyer requesting the payment, and the buyer identification information is the buyer. Mobile phone 100 information, buyer ID, may include one or more buyer name.

According to another aspect of the present invention, the wireless message may include a callback number for connecting a voice call channel with an automatic answering server (not shown in FIG. 4) instead of the callback URL, in which case the payer mobile phone 300 ) Is connected to the automatic answering server and the voice call channel through the callback number, the payment means information corresponding to the payer payment means using the payment means selection voice message and payment information input voice comment provided by the automatic answer server; Payment information, including payment means authentication information and payer specific information, can be input and transmitted.

After the wireless message including the callback URL is provided to the payer mobile phone 300, the payer mobile phone 300 accesses the callback URL, and the page providing means 410 provides the execution code and payment details. A wireless page containing information is provided to the payer mobile phone 300.

If the purchaser identification information is not included in the wireless message provided to the payer mobile phone 300, the payment history information included in the wireless page and provided to the payer mobile phone 300 is used by the payer to request the payment. It may further include buyer identification information for identifying (or confirming) a buyer, and the buyer identification information may include one or more of the buyer mobile phone 100 information, a buyer ID, and a buyer name.

According to another exemplary embodiment of the present invention, the purchaser identification information may not be provided to the payer mobile phone 300, and thus the present invention is not limited thereto.

According to another aspect of the present invention, a wireless page provided to the payer mobile phone 300 includes the payment history information, but instead of the execution code, the payer payment means (eg, card) in the payer mobile phone 300. A payment method selection interface for selecting a payment method or a payment method), and when a payment method is selected through the payment method selection interface, payment method information corresponding to the selected payment method, payment method authentication information, The page information may include a payment information input interface for inputting payment information including unique payment information.

Here, the payment means selection interface and payment information input interface may be displayed on one wireless page or through two or more different wireless pages, and the present invention is not limited thereto.

If the wireless page includes the payment method selection interface and payment information input interface, the payer mobile phone 300 selects a payment method of payment by the payment method selection interface and payment information input interface included in the wireless page. In addition, payment information including payment means information, payment means authentication information, and payer specific information corresponding to the selected payment means may be input and transmitted.

According to another embodiment of the present invention, when the payer payment means usable in the payer mobile phone 300 is fixed to any one, the payment means selection interface may be omitted, and the present invention is not limited thereto.

Referring to FIG. 4, the messaging-based wireless payment system transmits payment means information, payment means authentication information, and purchaser specific information corresponding to the payer payment means from the payer mobile phone 300, and transmits the payment. Information receiving means 425 for receiving payment information including payment means selection information, payment means information, payment means authentication information, and purchaser specific information from the mobile phone 300, and a payment approval request including the received payment information. A payment processing means 435 for receiving a payment approval result text from the payment authority and extracting payment approval details information from the payment approval result message And the payment result providing means 430 provided to the seller terminal 105, the payer mobile phone 300, and the purchaser mobile phone 100. .

The payment program 2 is driven in the payer mobile phone 300, selects a payment means payment method through the payment program (2), payment means information corresponding to the payment means payment means, payment means authentication information When payment information including one or more buyer specific information is transmitted, the information receiving means 425 receives the payment information.

According to another aspect of the present invention, the payer mobile phone 300 selects a payer payment method through an interface included in the wireless page, and the payment means information, payment means authentication information, buyer corresponding to the payer payment means When the payment information including at least one unique information is transmitted, the information receiving means 425 may receive the payment information.

According to another aspect of the present invention, when the payer mobile phone 300 connects an automatic answering server and a voice call channel through a callback number included in the wireless message to input and transmit the payment information, the information receiving means ( 425 may receive the payment information from the auto-response server.

Referring to FIG. 4, the messaging-based wireless payment system includes a delivery person (or seller) who delivers or delivers the purchased item to the purchaser when the purchaser purchases a purchase item that requires delivery or delivery from the seller. Payment processing confirmation means 440 for receiving the predetermined unique identification information from the bearer communication means (or seller communication means), and processing or authenticating the received unique identification information to the payer mobile phone 300; It may be further provided with.

According to an aspect of the present invention, the unique identification information is information set to enable the payer to determine that the deliverer (or seller) has delivered or delivered the purchase product to the buyer, and is provided from the buyer to provide the delivery. After input through the user communication means (or seller communication means) may be transmitted to the payment processing confirmation means 440.

If the unique identification information is identification information that is set such that the payer (or seller) can confirm that the payer has delivered or delivered the purchase to the buyer, the payment processing confirmation means 440 is the unique identification. Process the information to be delivered to the payer mobile phone (300). Here, the unique identification information is included in the wireless message transmitted from the message transmitting means 405 to the payer mobile phone 300, or the wireless page provided from the page providing means 410 to the payer mobile phone 300. Can be included.

Or when the unique identification information includes a preset password or authentication code so that the delivery person (or seller) can verify that the purchaser has delivered or delivered the purchase item to the buyer, the payment processing confirmation means 440 By authenticating the received unique identification information through a pre-registered password or authentication code, the delivery person (or seller) may authenticate that the purchaser delivered or delivered the purchaser to the buyer, the delivery or delivery of the purchase article In this case, the message transmission means 405 may transmit a wireless message to the payer mobile phone 300 or the page providing means 410 may transmit a wireless page.

According to another aspect of the present invention, the unique identification information is unique identification information assigned to the purchase article or the payment history information before delivery or delivery of the purchase article, the purchase through the delivery (or seller) Provided to the courier communication means (or seller communication means) before delivery or delivery of the goods, and the courier communication means (or seller communication) after the courier (or seller) delivers or delivers the purchase to the buyer. Means) may be transmitted to the payment processing confirmation means 440.

Here, the unique identification information is included in a wireless message and provided to the delivery person communication means (or seller communication means).

The unique identification information transmitted to the delivery means (or seller communication means) is transmitted to the payment processing confirmation means 440 through MO message-based wireless message delivery, or through a callback number included in the wireless message. A call connection with an automatic answering server may be delivered to the payment processing confirmation means 440, or may be transferred to the payment processing confirmation means 440 by accessing a wireless page through a callback number included in the wireless message.

5 is a diagram showing the configuration of a messaging-based wireless payment system according to a third method of the present invention.

In more detail, FIG. 5 is a view illustrating a wireless message including a callback URL in a purchaser's mobile phone 100 when a payment program is not provided in the purchaser's mobile phone 100 on the messaging-based wireless payment system shown in FIG. When forwarding to the mobile phone 300, the payer mobile phone 300 receives a wireless page through the callback URL on behalf of the buyer mobile phone 100 as shown in FIG. A system configuration for processing payment after outputting the payment history information through a payment program driven by a page, and a person having ordinary knowledge in the technical field to which the present invention pertains may refer to FIG. Or various modifications to the messaging-based wireless payment system configuration (e.g., some components are omitted, subdivided, or Would be able to infer how the combined embodiment), the present invention is made, including any exemplary way in which the inference, to which the technical feature that is not limited to the exemplary method shown in the figure 5.

Referring to FIG. 5, the messaging-based wireless payment system includes a payment request for receiving seller identification information, buyer mobile phone 100 information, and purchase information, including purchase price and product information, from the seller terminal 105. Receiving means 500, and one or more of the purchase information, seller information-trade name, contact information, business registration number-and payment processing information dynamically configured for payment processing-including one or more payment deadline, request number, request date and time- A buyer corresponding to the buyer's mobile phone 100 information by configuring a wireless message including payment history constituting means 520 constituting payment history information that includes payment information and a callback URL for providing a wireless page to the buyer's mobile phone 100. It comprises a message transmission means 505 for transmitting to the mobile phone (100).

According to one embodiment of the present invention, the message transmitting means 505 is capable of delivering the wireless message to any payer mobile phone 300 designated by the buyer in the purchaser mobile phone 100, the payer mobile phone In step 300, the wireless page is configured to receive the wireless page through the callback URL included in the wireless message, and transmitted to the purchaser's mobile phone 100.

The callback URL is not compatible with each other's wireless message standards or wireless Internet standards (for example, WAP, sHTML, cHTML, etc.), and browser standards provided by mobile operators and manufacturers are not compatible. Including a wireless message transmitted to the buyer mobile phone 100 may be blocked so as not to be transferred to another mobile phone, even if it is delivered to another mobile phone callback URL for providing the wireless page in the mobile phone received the wireless message Cannot access the callback URL from the mobile phone that has received the wireless message, and cannot receive the wireless page corresponding to the callback URL. Included in the wireless page even if There is no guarantee that the executable code will be executed. Accordingly, the message transmitting means 505 may deliver the wireless message from the purchaser mobile phone 100 that receives the wireless message to any payer mobile phone 300 designated by the buyer, and receives the wireless message. After a message structure is configured to access a callback URL from a payer mobile phone 300 and receive a wireless page including an executable code executable from the payer mobile phone 300, the payer mobile phone 300 responds to the purchaser mobile phone 100 information. The buyer's mobile phone 100 may be transmitted to the buyer's mobile phone 100, and the buyer's mobile phone 100 may transmit the received wireless message to any payer mobile phone 300 designated by the buyer.

According to another embodiment of the present invention, when a request for transmission of a wireless message including the callback URL to the buyer's mobile phone 300 is specified by the buyer, the wireless message structure is transmitted to the payer's mobile phone ( A function of changing to receive a wireless page including executable code executable in the payer mobile phone 300 by accessing the callback URL from the payer mobile phone 300 that has delivered the wireless message and received the wireless message. If the configuration is provided, or if the message standards for each telecommunication company and mobile phone and the wireless Internet standard and the browser standard are compatible, the message transmitting means 505 transmits a wireless message including the callback URL to the buyer mobile phone 100 information. The buyer mobile phone 100 corresponding to the transmission, the buyer mobile phone 100 is the received wireless message The structure of the message may be changed, or may be transferred to any payer mobile phone 300 designated by the buyer as it is.

Here, the wireless message change function provided in the buyer mobile phone 100 may be implemented through a payment program provided in the buyer mobile phone 100 or may be provided through a separate program configuration provided in the buyer mobile phone 100. have.

According to another exemplary embodiment of the present invention, the message transmission means 505 is provided to provide the buyer mobile phone 100 with a wireless page including an interface for inputting the information of the payer mobile phone 300 specified by the buyer. A wireless message including a callback URL may be transmitted to the purchaser's mobile phone 100. In this case, the purchaser's mobile phone 100 inputs the payer's mobile phone 300 information through a wireless page provided through the callback URL. In response, the message transmitting means 505 may construct a wireless message including a callback URL that can be accessed from the payer mobile phone 300 and transmit the wireless message to the payer mobile phone 300.

Referring to FIG. 5, the messaging-based wireless payment system directly delivers a wireless message including the callback URL from the buyer mobile phone 100 to any payer mobile phone 300 designated by the buyer or the payer mobile phone. (300) Entering and relaying the information, and when the payer mobile phone 300 is connected through the callback URL, the payer by configuring a wireless page containing the executable code executable in the mobile phone 300 Program providing means for providing a page providing means 510 provided to the mobile phone 300, the payment program to the payer mobile phone 300, if the payment program is not provided in the payer mobile phone 300 ( 515).

When the wireless message including the callback URL is transmitted to the purchaser mobile phone 100, the page providing means 510 regards the mobile phone connected through the callback URL as the payer mobile phone 300 and the payer mobile phone ( 300 is set to configure and provide a wireless page containing the executable code executable in the payer mobile phone (300).

According to another aspect of the present invention, the wireless page provided to the payer mobile phone 300 displays the payment history information on the payer mobile phone 300 screen instead of the execution code, the payer mobile phone 300 A payment method selection interface for selecting a payer payment means (for example, a card payment means or an account payment means); and when a payer payment means is selected through the payment means selection interface, a payment corresponding to the selected payer payment means The page information may include a payment information input interface for inputting payment information including means information, payment means authentication information, and payer specific information.

Referring to FIG. 5, the messaging-based wireless payment system executes the execution code on the payer mobile phone 300 to search whether a payment program is provided and downloads a payment program from the server when the payment program is not provided. And, when the downloaded or pre-installed payment program is driven, the payment history transmission means 525 for transmitting the configured payment history information to the payer mobile phone 300 corresponding to the information of the payer mobile phone 300 Is done.

Referring to FIG. 5, the messaging-based wireless payment system transmits payment means information, payment means authentication information, and purchaser specific information corresponding to the payer payment means from the payer mobile phone 300, and transmits the payment. Information receiving means 530 for receiving payment information including payment means selection information, payment means information, payment means authentication information, buyer specific information from the mobile phone 300, and the payment approval request including the received payment information A payment processing means 535 for receiving a payment approval result message from the payment institution and extracting payment approval history information from the payment approval result message; And the payment result providing means 540 provided to the seller terminal 105, the payer mobile phone 300, and the purchaser mobile phone 100. .

Referring to FIG. 5, the messaging-based wireless payment system includes a delivery person (or seller) who delivers or delivers the purchased item to the purchaser when the purchaser purchases a purchase item that requires delivery or delivery from the seller. Payment processing confirmation means 545 receiving preset unique identification information from the bearer communication means (or seller communication means), and processing or authenticating the received unique identification information to the payer mobile phone 300; It may be further provided with.

6 is a diagram showing the configuration of a messaging-based wireless payment system according to a fourth embodiment of the present invention.

In more detail, FIG. 6 illustrates a wireless message including a callback URL in the purchaser's mobile phone 600 when a payment program is not provided in the purchaser's mobile phone 600 on the messaging-based wireless payment system shown in FIG. When delivered to the mobile phone 300, the payer mobile phone 300 receives the wireless page including the payment request information through the callback URL on behalf of the purchaser mobile phone 600 as shown in FIG. And a system configuration for processing payment for the payment request information through a payment program driven by the wireless page, and a person having ordinary knowledge in the technical field to which the present invention pertains may refer to FIG. And / or various modifications to the messaging-based wireless payment system configuration (e.g., some components may be omitted, or Would be able to infer the way or broken, or combined embodiment), the present invention is made, including any exemplary way in which the inference, to which the technical feature that is not limited to the exemplary method shown in the figure 6.

Referring to FIG. 6, the messaging-based wireless payment system includes a payment request receiving means 600 for receiving seller identification information, buyer mobile phone 600 information, and purchase information from a seller terminal 105, the purchase information, and a seller. Payment history configuration means 620 for configuring payment history information including one or more information and payment processing information is dynamically configured for payment processing, and a callback URL for providing a wireless page to the buyer mobile phone (600) And a message transmitting means 605 for constructing a wireless message and transmitting the wireless message to the purchaser's mobile phone 600 corresponding to the purchaser's mobile phone 600 information.

The message transmitting means 605 is capable of delivering the wireless message from the buyer mobile phone 600 to any payer mobile phone 300 designated by the buyer, and included in the wireless message from the payer mobile phone 300. It is configured to receive the wireless page through the callback URL can be transmitted to the buyer mobile phone 600, the buyer mobile phone 600 is the buyer of the mobile phone 300 specified by the buyer to the wireless message received by the buyer Can be delivered as

If the purchaser mobile phone 600 is provided with a function configuration for changing the wireless message structure as described above, or if a wireless page is provided after a callback USL connection of the payer mobile phone 300 through the wireless message delivery, The message transmitting means 605 may transmit a wireless message including the callback URL to the buyer mobile phone 600 corresponding to the buyer mobile phone 600 information, and the buyer mobile phone 600 receives the received wireless message. It is possible to change the structure of, or pass it to any payer mobile phone 300 specified by the buyer as it is.

Alternatively, when the message transmission means 605 transmits a wireless message including a callback URL corresponding to a wireless page for inputting payer mobile phone 300 information to the buyer mobile phone 600, the buyer mobile phone 600 is Access through the callback URL to input the payer mobile phone 300 information, in response to the message transmission means 605 may construct and transmit a wireless message including the callback URL to the payer mobile phone (300). .

Referring to FIG. 6, the messaging-based wireless payment system transmits a wireless message including the callback URL from the purchaser mobile phone 600 to any payer mobile phone 300 designated by the purchaser, and the payer mobile phone ( When the callback URL is accessed through the callback URL, the page providing means 610 constructs a wireless page including an executable code and payment history information executable by the payer mobile phone 300 and provides the payer mobile phone 300 to the payer mobile phone 300. And, if the payment program is not provided in the payer mobile phone 300, it is further provided with a program providing means 615 for providing a payment program to the payer mobile phone (300).

When the wireless message including the callback URL is transmitted to the purchaser mobile phone 600, the page providing means 610 regards the mobile phone connected through the callback URL as the payer mobile phone 300 and the payer mobile phone ( 300 is set to configure and provide a wireless page containing the executable code and payment history information executable in the payer mobile phone (300).

If the purchaser identification information is not included in the wireless message provided to the payer mobile phone 300, the payment history information included in the wireless page and provided to the payer mobile phone 300 is used by the payer to request the payment. It may further include buyer identification information for identifying (or confirming) a buyer, and the buyer identification information may include one or more of the buyer mobile phone 600 information, a buyer ID, and a buyer name.

Referring to FIG. 6, when the messaging-based wireless payment system inputs and transmits payment means information, payment means authentication information, and purchaser specific information corresponding to the payer payment means from the payer mobile phone 300, the payment is made. Information receiving means 625 for receiving payment information including payment means selection information, payment means information, payment means authentication information, buyer specific information from the mobile phone 300, and the payment approval request including the received payment information A payment processing means 635 for receiving a payment approval result text from the payment authority and requesting payment to a payment institution corresponding to the payer payment means by constructing a full text message and extracting payment approval history information from the payment approval result text message; And the payment result providing means 630 provided to the seller terminal 105, the payer mobile phone 300, and the purchaser mobile phone 600. .

Referring to FIG. 6, the messaging-based wireless payment system includes a delivery person (or seller) who delivers or delivers the purchased item to the purchaser when the purchaser purchases a purchase item that requires delivery or delivery from the seller. Payment processing confirmation means 640 for receiving the predetermined unique identification information from the bearer communication means (or seller communication means), and processing or authenticating the received unique identification information to the payer mobile phone 300; It may be further provided with.

7 is a diagram showing the configuration of a messaging-based wireless payment system according to a third method of the present invention.

In more detail, FIG. 7 illustrates a payment identification code unique to the payment history information when the payment history information is configured based on the payment request information received from the seller terminal 105 in the messaging-based wireless payment system shown in FIG. Is provided to the purchaser's mobile phone 100, and when the payment identification code is received from a predetermined mobile phone, the mobile phone that transmits the payment identification code is regarded as the payer's mobile phone 300, the payer's mobile phone 300 Figure 7 shows a system configuration for processing payment corresponding to the payment history after outputting the payment history information provided through the payment program provided in the present invention. By referring to and / or modifying various implementation methods for the messaging-based wireless payment system configuration (e.g., some components are omitted) Or subdivided or combined implementation methods), but the present invention includes all the implementation methods inferred above, and the technical features are not limited to the implementation method shown in FIG.

Referring to FIG. 7, the messaging-based wireless payment system, the payment request for receiving the seller identification information, the buyer mobile phone 100 information and the purchase information-one or more purchase price, product information from the seller terminal 105- Receiving means 700 and one or more of the purchase information, the seller information-trade name, contact information, business registration number-and payment processing information that is dynamically configured for payment processing-including one or more payment period, request number, request date and time- Payment history configuration means for configuring payment history information comprising 735, identification code assignment means for assigning a payment identification code unique to the payment history information 705, and the assigned payment identification code to the buyer's mobile phone ( It is provided with an identification code providing means 710 to provide 100.

When the payment history information is configured by the payment history configuration means 735 based on the payment request information received by the payment request receiving means 700, the identification code assignment means 705 is different from the configured payment history information. Assign a unique identification code that does not duplicate the payment details.

Here, the payment identification code may include a code value including one or more numbers, letters, and symbols that are not duplicated for each payment history.

Alternatively, the purchaser's mobile phone 100 information is used as the payment identification code, or the payer's mobile phone 300 information specified by the buyer (for example, can be received by being included in the payment request information from the seller terminal 105) is the payment identification code. Can be used as

Alternatively, a virtual phone number uniquely allocated for payment processing of the payment history information may be used as the payment identification code. In this case, a mobile phone that attempts to connect a voice call to the virtual phone number is the payer mobile phone 300. After the call is terminated, a wireless message including a callback URL may be provided to the payer mobile phone 300.

When the payment identification code is assigned to the payment history information, the identification code providing means 710 provides the assigned payment identification code to the purchaser mobile phone 100.

According to one embodiment of the present invention, the identification code providing means 710 may provide the payment identification code to the purchaser mobile phone 100 through a wireless message.

Here, the payment identification code may be included in the message content of the wireless message and provided to the purchaser mobile phone 100.

If the payment identification code includes a virtual phone number, the payment identification code is included as a callback number of the wireless message may be provided to the purchaser mobile phone 100, the wireless message is the payer mobile phone (300) ) Can be delivered. If the payer cellular phone 300 attempts to make a call connection to the virtual phone number, a wireless message including a callback URL may be provided to the payer cellular phone 300 after the call connection ends.

According to another exemplary embodiment of the present invention, the identification code providing means 710 may provide the payment identification code to the purchaser mobile phone 100 through a voice message after a call connection with the purchaser mobile phone 100.

Referring to FIG. 7, when the messaging-based wireless payment system provides a payment identification code provided to the purchaser mobile phone 100 from a predetermined mobile phone, the mobile phone providing the payment identification code is confirmed to the payer mobile phone 300. (Or approving) a message transmitting means for constructing a wireless mobile phone including a call back confirmation means 715 and a callback URL for providing a wireless page to the payer mobile phone 300 and transmitting it to the payer mobile phone 300. And 720.

Referring to FIG. 7, the messaging-based wireless payment system, when connected through the callback URL from the payer mobile phone 300, constructs a wireless page including executable code executable in the payer mobile phone 300 A program providing a page providing means 725 provided to the payer mobile phone 300 and providing a payment program to the payer mobile phone 300 when the payment program is not provided on the payer mobile phone 300. It further comprises a providing means (730).

When the wireless message including the callback URL is transmitted to the purchaser mobile phone 100, the page providing means 725 regards the mobile phone connected through the callback URL as the payer mobile phone 300 and the payer mobile phone ( 300 is set to configure and provide a wireless page containing the executable code executable in the payer mobile phone (300).

According to another aspect of the present invention, the wireless page provided to the payer mobile phone 300 displays the payment history information on the payer mobile phone 300 screen instead of the execution code, the payer mobile phone 300 A payment method selection interface for selecting a payer payment means (for example, a card payment means or an account payment means); and when a payer payment means is selected through the payment means selection interface, a payment corresponding to the selected payer payment means The page information may include a payment information input interface for inputting payment information including means information, payment means authentication information, and payer specific information.

Referring to FIG. 7, the messaging-based wireless payment system executes the execution code on the payer mobile phone 300 to search whether a payment program is provided and downloads a payment program from the server when the payment program is not provided. And, when the downloaded or pre-installed payment program is driven, the payment history transmission means 740 transmits the configured payment history information to the payer mobile phone 300 corresponding to the payer mobile phone 300 information. Is done.

Referring to FIG. 7, the messaging-based wireless payment system transmits payment means information, payment means authentication information, and purchaser specific information corresponding to the payer payment means from the payer mobile phone 300, and transmits the payment. Information receiving means 745 for receiving payment information including payment means selection information, payment means information, payment means authentication information, and purchaser specific information from the mobile phone 300, and a payment approval request including the received payment information. A payment processing means 750 for making a payment request to a payment institution corresponding to the payer payment means, receiving a payment approval result text from the payment institution, and extracting payment approval history information from the payment approval result text message; And the payment result providing means 755 provided to the seller terminal 105, the payer mobile phone 300, and the purchaser mobile phone 100. .

Referring to FIG. 7, the messaging-based wireless payment system includes a delivery person (or seller) who delivers or delivers the purchased item to the purchaser when the purchaser purchases a purchase item that requires delivery or delivery from the seller. Payment processing confirmation means (760) for receiving the predetermined unique identification information from the bearer communication means (or seller communication means), and processing or authenticating the received unique identification information to the payer mobile phone (300). It may be further provided with.

8 is a diagram showing the configuration of a messaging-based wireless payment system according to a fourth method of the present invention.

In more detail, FIG. 8 illustrates a payment identification code unique to the payment history information when the payment history information is configured based on the payment request information received from the seller terminal 105 in the messaging-based wireless payment system shown in FIG. Is provided to the purchaser's mobile phone 100, and when the payment identification code is received from a predetermined mobile phone, the mobile phone that transmits the payment identification code is regarded as the payer's mobile phone 300, the payer's mobile phone 300 And a system configuration for processing a payment corresponding to the payment history information through a payment program provided in the payer mobile phone 300 after providing a wireless page including payment history information corresponding to the payment identification code. As those skilled in the art to which the present invention pertains, the mesh may be referred to and / or modified with reference to FIG. While various implementation methods (e.g., some implementations may be omitted, subdivided, or combined) for the base wireless payment system configuration may be inferred, the present invention includes all implementation methods inferred above, The technical features are not limited only to the implementation method shown in FIG.

Referring to FIG. 8, the messaging-based wireless payment system includes a payment request receiving means 800 for receiving seller identification information, buyer mobile phone 100 information, and purchase information from a seller terminal 105, the purchase information, and a seller. Payment history configuration means 835 for configuring payment history information including one or more payment processing information dynamically configured for information and payment processing, and an identification code assignment means for assigning a payment identification code unique to the payment history information ( 805 and an identification code providing means 810 for providing the assigned payment identification code to the purchaser mobile phone 100.

Referring to FIG. 8, when the messaging-based wireless payment system provides a payment identification code provided to the purchaser mobile phone 100 from a predetermined mobile phone, the mobile phone providing the payment identification code is confirmed to the payer mobile phone 300. (Or approving) a message transmitting means for constructing a wireless mobile phone including a call back confirmation means 815 and a callback URL for providing a wireless page to the payer mobile phone 300 and transmitting it to the payer mobile phone 300. 820 is provided.

Referring to FIG. 8, when the messaging-based wireless payment system is accessed through the callback URL from the payer mobile phone 300, the wireless payment system includes executable code and payment history information executable by the payer mobile phone 300. And a page providing means 825 configured to provide a page to the payer mobile phone 300, and when the payment program is not provided in the payer mobile phone 300, the payer mobile phone 300 makes a payment program. It further comprises a program providing means 830 to provide.

When the wireless message including the callback URL is transmitted to the purchaser mobile phone 100, the page providing means 825 regards the mobile phone connected through the callback URL as the payer mobile phone 300 and the payer mobile phone ( 300 is set to configure and provide a wireless page containing the executable code and payment history information executable in the payer mobile phone (300).

If the purchaser identification information is not included in the wireless message provided to the payer mobile phone 300, the payment history information included in the wireless page and provided to the payer mobile phone 300 is used by the payer to request the payment. It may further include buyer identification information for identifying (or confirming) a buyer, and the buyer identification information may include one or more of the buyer mobile phone 100 information, a buyer ID, and a buyer name.

Referring to FIG. 8, when the messaging-based wireless payment system inputs and transmits payment means information, payment means authentication information, and purchaser specific information corresponding to the payer payment means from the payer mobile phone 300, the payment is made. Information receiving means 840 for receiving payment information including payment means selection information, payment means information, payment means authentication information, buyer specific information from the mobile phone 300, and the payment approval request including the received payment information A payment processing means 850 for constructing a full text and requesting a payment to a payment institution corresponding to the payer payment means, receiving a payment approval result text from the payment institution, and extracting payment approval history information from the payment approval result text; And the payment result providing means 845 provided to the seller terminal 105, the payer mobile phone 300, and the purchaser mobile phone 100. .

Referring to FIG. 8, the messaging-based wireless payment system includes a delivery person (or seller) who delivers or delivers the purchased item to the purchaser when the purchaser purchases a purchase item that requires delivery or delivery from the seller. Payment processing confirmation means 855 for receiving the predetermined unique identification information from the bearer communication means (or seller communication means), and processing or authenticating the received unique identification information to the payer mobile phone 300; It may be further provided with.

9 is a diagram showing the configuration of a messaging-based wireless payment system according to a fifth embodiment of the present invention.

In more detail, FIG. 9 receives payment request information including seller identification information, buyer mobile phone 100 information, and purchase information from the seller terminal 105 (or the seller server 900) and stores them in the storage medium 965. Then, when the buyer's phone provides the seller identification information and the buyer's mobile phone 100 information through the automatic response server 905, the purchase corresponding to the seller identification information and the buyer's mobile phone 100 information from the storage medium 965. A system configuration for confirming information and processing payment through a messaging-based wireless payment configuration as shown in FIG. 1, and a person of ordinary skill in the art to which the present invention pertains may refer to and / or modify the present invention. To infer various implementation methods (eg, some components are omitted, subdivided, or combined) for the messaging-based wireless payment system configuration. As will be appreciated, the present invention includes all implementation methods inferred, and the technical features are not limited to the implementation method illustrated in FIG. For example, each means of constituting the wireless payment system of the present invention may be implemented in the form of one individual server itself, or in the form of a program code provided in a part of a server and a part of a server. Or, it is possible that each means is implemented in the form of a program that is all provided in a particular server.

According to the present invention, the messaging-based wireless payment system, the seller terminal 105 (or seller server 900) for transmitting the payment request information, including the purchase information and seller identification information and the buyer mobile phone 100 information to be billed to the buyer )) And the automatic response server 905 receiving the seller identification information and the buyer mobile phone 100 information from the buyer phone and the buyer mobile phone 100 corresponding to the buyer mobile phone 100 information.

The messaging-based wireless payment system includes a storage medium 965 that stores the seller identification information received from the seller terminal 105 (or seller server 900), the buyer mobile phone 100 information, and the purchase information. The storage medium 965 may store seller information included in payment history information in connection with the seller identification information.

Referring to FIG. 9, the messaging-based wireless payment system receives seller identification information, buyer mobile phone 100 information, and purchase information—including purchase price and product information—from a seller terminal 105 (or a server). It comprises a payment request receiving means 910, and information storage means 915 for connecting the seller identification information, the buyer mobile phone 100 information and the purchase information to store in the storage medium 965.

Here, the seller is a person who periodically sells a predetermined product or provides a service to the buyer, and charges for the seller, and the seller terminal 105 (or the seller server 900) periodically sends the buyer to the buyer. The payment request information including the purchase information and seller identification information and the buyer mobile phone 100 information corresponding to the selling / providing goods / services, information storage means 915 is the seller identification information, the buyer mobile phone ( 100) information and purchase information is connected to the storage medium 965 and stored.

Referring to FIG. 9, the messaging-based wireless payment system includes information for checking purchase identification information and purchaser mobile phone 100 information identified from the storage medium 965 through the automatic response server 905. It comprises a verification means 920, and payment history configuration means 925 that constitutes payment history information including one or more of the purchase information, seller information and payment processing information dynamically configured for payment processing.

The purchaser's telephone connects the call to the answering machine 905 through the telephone network, and is sold by the answering machine set in the answering machine 905 (e.g., voice-ment output and number input corresponding to DTMF signal). When a number corresponding to the identification information and the purchaser mobile phone 100 information is input, the automatic response server 905 detects the seller identification information and the purchaser mobile phone 100 information by reading a DTMF signal corresponding to the input number. The information checking means 920, the information checking means 920 corresponding to the seller identification information and the buyer mobile phone 100 information confirmed from the storage medium 965 through the automatic response server (905) Check the purchase information associated with.

Referring to FIG. 9, the messaging-based wireless payment system constructs a wireless message including a callback URL for providing a wireless page to the purchaser's mobile phone 100 to correspond to the purchaser's mobile phone 100 information. Message transmission means 930 for transmitting a message, and a page providing means 935 for providing a wireless page including the execution code to the purchaser mobile phone 100 when the purchaser mobile phone 100 accesses the callback URL. And a payment program is provided in the purchaser's mobile phone 100, the program providing means 940 for providing a payment program to the purchaser's mobile phone 100 is further provided.

Referring to FIG. 9, the messaging-based wireless payment system includes payment history transmission means 945 for transmitting the configured payment history information to the purchaser mobile phone 100 corresponding to the purchaser mobile phone 100 information, and the buyer mobile phone. When the buyer payment method is selected in the payment program provided at 100 and inputs and transmits payment means information, payment means authentication information, and buyer specific information corresponding to the buyer payment means, the payment means from the buyer mobile phone 100 is transmitted. The purchaser payment means by configuring information receiving means 950 for receiving payment information including selection information, payment means information, payment means authentication information, and purchaser specific information, and a payment approval request text including the received payment information. A payment processing means (955) for requesting a payment to a payment institution corresponding to the payment and receiving a full payment approval result from the payment institution; It is provided with a payment result providing means 960 to extract the payment approval history information from the full payment approval result information provided to the seller terminal 105 and the buyer mobile phone (100).

According to one embodiment of the present invention, in the present invention, the messaging-based wireless payment system using the automatic answering server 905 may be applied to payment of giro / utility bill or tuition fee.

That is, the billing institution is a seller of the wireless payment system, the billing agency identification information (= seller identification information), the billing information (= purchase information) and the payer mobile phone information (= buyer mobile phone 100 information), including the billing amount and claim title By registering the billing information including a) in the storage medium 965 on the wireless payment system, the payer (= buyer) is the billing agency identification information (= seller identification information through the automatic response server 905 of the wireless payment system) ) And the payer cell phone information (= buyer cell phone 100 information) can be processed to pay the Jiro / utility bill or tuition payment. In other words, the billing institution configures billing information including payer mobile phone information instead of the conventional payer number and registers the billing information in the storage medium 965 on the wireless payment system. You can pay.

According to another exemplary embodiment of the present invention, the messaging-based wireless payment system using the automatic answering server 905 may be used for payment settlement such as ticket reservation / purchase or home shopping payment using voice call.

That is, when a buyer calls the seller and requests a ticket reservation / purchase or home shopping payment, the seller registers the seller identification information, the purchase information, and the buyer mobile phone 100 information with the storage medium 965 on the wireless payment system. When the call channel between the buyer and the seller is switched to the call channel between the buyer and the automatic response server 905, the buyer uses the automatic response server 905 to make payment payment corresponding to the ticket reservation / purchase or home shopping payment. Can be processed.

10 is a block diagram of a messaging-based wireless payment system according to a sixth embodiment of the present invention.

In more detail, FIG. 10 receives payment request information including seller identification information, buyer mobile phone 100 information, and purchase information from the seller terminal 105 (or seller server 900) and stores the received information in the storage medium 1050. Then, when the buyer's phone provides the seller identification information and the buyer's mobile phone 100 information through the automatic answering server 905, the purchase corresponding to the seller identification information and the buyer's mobile phone 100 information from the storage medium 1050. As a system configuration for confirming information and processing payment through a messaging-based wireless payment configuration as shown in FIG. 2, a person having ordinary knowledge in the art to which the present invention pertains may refer to and / or modify the present invention. Various implementation methods (e.g., some implementations are omitted, subdivided, or combined) for the messaging-based wireless payment system configuration. Would be able, in the present invention are made, including any exemplary way in which the inference, to which the technical feature that is not limited to the exemplary method shown in the figure 10. For example, each means of constituting the wireless payment system of the present invention may be implemented in the form of one individual server itself, or in the form of a program code provided in a part of a server and a part of a server. Or, it is possible that each means is implemented in the form of a program that is all provided in a particular server.

According to the present invention, the messaging-based wireless payment system communicates with the seller terminal 105 (or seller server 900), the automatic response server 905, and the purchaser mobile phone 100, as shown in FIG. A storage medium 1050 connected to and storing seller identification information received from the seller terminal 105 (or seller server 900), purchaser mobile phone 100 information, and purchase information, and storing the storage medium. In operation 1050, seller information to be included in payment history information may be stored in connection with the seller identification information.

Referring to FIG. 10, the messaging-based wireless payment system receives seller identification information, buyer mobile phone 100 information, purchase information, including one or more purchase amounts and product information, from a seller terminal 105 (or a server). It comprises a payment request receiving means 1000 and the information storage means 1005 for connecting the seller identification information, the buyer mobile phone 100 information and the purchase information to store in the storage medium 1050.

Here, the seller is a person who periodically sells a predetermined product or provides a service to the buyer, and charges for the seller, and the seller terminal 105 (or the seller server 900) periodically sends the buyer to the buyer. The payment request information including the purchase information and seller identification information and the buyer mobile phone 100 information corresponding to the sale / offer goods / services, information storage means (1005) is the seller identification information, the buyer mobile phone ( 100) information and purchase information is connected to the storage medium 1050 and stored.

Referring to FIG. 10, the messaging-based wireless payment system checks the seller identification information and the purchase information connected to the purchaser mobile phone 100 information from the storage medium 1050 through the automatic response server 905. It comprises a verification means 1010, and payment history configuration means 1015 that constitutes payment history information including one or more of the purchase information, seller information and payment processing information dynamically configured for payment processing.

The purchaser's telephone connects the call to the answering machine 905 through the telephone network, and is sold by the answering machine set in the answering machine 905 (e.g., voice-ment output and number input corresponding to DTMF signal). When a number corresponding to the identification information and the purchaser mobile phone 100 information is input, the automatic response server 905 detects the seller identification information and the purchaser mobile phone 100 information by reading a DTMF signal corresponding to the input number. The information checking means 1010 is provided to the information checking means 1010, and correspondingly, the information checking means 1010 checks the seller identification information and the purchaser mobile phone 100 information identified from the storage medium 1050 through the automatic response server 905. Check the purchase information associated with.

Referring to FIG. 10, the messaging-based wireless payment system configures a wireless message including a callback URL for providing a wireless page to the purchaser's mobile phone 100, thereby corresponding to the purchaser's mobile phone 100. A message transmitting means 1020 for transmitting to the purchaser mobile phone 100 and a page for providing the purchaser mobile phone 100 with a wireless page including the execution code and payment history information when the purchaser mobile phone 100 is connected through the callback URL. It is provided with a providing means 1025, if the payment program is not provided in the buyer mobile phone 100, the program providing means 1030 for providing a payment program to the purchaser mobile phone 100 is further provided.

Referring to FIG. 10, the messaging-based wireless payment system selects a buyer payment means from a payment program provided in the buyer mobile phone 100, and includes payment means information, payment means authentication information, and buyer corresponding to the buyer payment means. Input and transmit the unique information, the information receiving means 1035 for receiving payment information including payment means selection information, payment means information, payment means authentication information, buyer specific information from the buyer mobile phone 100, and the reception Payment processing means (1040) for constructing a payment approval request message including the received payment information and requesting a payment to a payment institution corresponding to the buyer payment method, and receiving a payment approval result full text from the payment institution, and the payment approval result Payment result extracted from the full payment approval information provided by the seller terminal 105 and the buyer mobile phone (100) The provision means 1045 is provided.

11 is a block diagram of a messaging-based wireless payment system according to a fifth embodiment of the present invention.

In more detail, Figure 11 is connected to a unique identification code after receiving payment request information including seller identification information, buyer mobile phone 100 information and purchase information from the seller terminal 100 (or seller server 900) After storing in the storage medium 1155, the seller's phone provides a unique identification code through the automatic answering server 905, after confirming the payment request information associated with the unique identification code from the storage medium 1155 and the Figure 1 As a system configuration for processing payment through a messaging-based wireless payment configuration, such as those skilled in the art to which the present invention pertains, the messaging-based wireless payment system by referring to and / or modified in this figure 11 It would be possible to infer various implementation methods for the configuration (eg, implementation methods in which some components are omitted, subdivided, or combined). The present invention includes all the inferred implementation methods, and the technical features are not limited only to the implementation method illustrated in FIG. For example, each means of constituting the wireless payment system of the present invention may be implemented in the form of one individual server itself, or in the form of a program code provided in a part of a server and a part of a server. Or, it is possible that each means is implemented in the form of a program that is all provided in a particular server.

According to the present invention, the messaging-based wireless payment system, the seller terminal 100 (or seller server 900) transmits the payment request information, including the purchase information and seller identification information and the buyer mobile phone 100 information to be billed to the buyer )) And an automatic answering server 905 provided with a unique identification code from the seller's phone and the buyer's mobile phone 100 corresponding to the buyer's mobile phone 100 information.

The messaging-based wireless payment system includes a storage medium 1155 for storing the seller identification information received from the seller terminal 100 (or seller server 900), the buyer mobile phone 100 information, and the purchase information. The storage medium 1155 may store seller information included in payment history information in connection with the seller identification information.

Referring to FIG. 11, the messaging-based wireless payment system receives seller identification information, buyer mobile phone 100 information, and purchase information—including one or more purchase amounts and product information—from a seller terminal 100 (or a server). After assigning the payment request receiving means 1100 and the unique identification code to the payment request information, the seller identification information, the buyer's mobile phone (100) information, the purchase information by connecting the unique identification code to the storage medium (1155) And information storage means 1105 for storing.

Here, the seller is a person who periodically sells a predetermined product or provides a service to the buyer, and charges for the seller, and the seller terminal 100 (or the seller server 900) periodically sends the buyer to the buyer. It transmits payment request information including purchase information and seller identification information and buyer mobile phone 100 information corresponding to the product / service to be sold / provided, and the information storage means 1105 assigns a unique identification code to the payment request information. Then, the unique identification code is connected to the seller identification information, the buyer mobile phone 100 information, and the purchase information, and stored in the storage medium 1155.

According to another aspect of the present invention, the payment request receiving means 1100 further includes payment request date and time information (not shown) in the payment request information, and the information storage means 1105 instead of a unique identification code The payment request date and time information may be stored in connection with the payment request information.

Referring to FIG. 11, the messaging-based wireless payment system includes information checking means 1110 for confirming payment request information associated with a unique identification code identified from the storage medium 1155 through the auto-response server 905. And payment history configuration means 1115 for configuring payment history information including one or more of purchase information, seller information, and payment processing information dynamically configured for payment processing.

A call is connected to the answering machine 905 through a telephone network from a seller's phone, and is uniquely set by an answering procedure set in the answering server 905 (for example, a voice message output and a number input corresponding to a DTMF signal). When a number corresponding to the identification code is input, the automatic response server 905 reads the DTMF signal corresponding to the input number, detects a unique identification code, and provides the identification code to the information checking means 1110. The information checking means 1110 checks the payment request information associated with the unique identification code identified through the automatic response server 905 from the storage medium 1155.

According to another aspect of the present invention, when the payment request information and the payment request date and time information are stored and connected to the storage medium 1155, the information checking means 1110 is connected to the payment request information from the storage medium 1155. The payment request date and time may be determined based on the payment request date and time, and when the payment request date arrives, the payment history configuration means 1115 may configure the payment history information.

Referring to FIG. 11, the messaging-based wireless payment system constructs a wireless message including a callback URL for providing a wireless page to the purchaser's mobile phone 100, thereby corresponding to the purchaser's mobile phone 100. A message providing means 1120 for transmitting a message, and a page providing means 1125 for providing a wireless page including the execution code to the purchaser mobile phone 100 when the purchaser mobile phone 100 accesses the callback URL. And a payment program is provided in the purchaser's mobile phone 100, the program providing means 1130 is provided for providing the payment program to the purchaser's mobile phone 100.

Referring to FIG. 11, the messaging-based wireless payment system includes payment history transmission means 1135 for transmitting the configured payment history information to the purchaser mobile phone 100 corresponding to the purchaser mobile phone 100 information, and the buyer mobile phone. When the buyer payment method is selected in the payment program provided at 100 and inputs and transmits payment means information, payment means authentication information, and buyer specific information corresponding to the buyer payment means, the payment means from the buyer mobile phone 100 is transmitted. The buyer payment means by configuring the information receiving means 1140 for receiving payment information including selection information, payment means information, payment means authentication information, buyer specific information, and a payment approval request text including the received payment information. A payment processing means (1145) for requesting a payment to a payment institution corresponding to and receiving a full payment approval result from the payment institution; Group is achieved by having a payment result providing means 1150 for providing to the merchant terminal 100 and the buyer's mobile phone 100 extracts the payment authorization information from the payment authorization result professional.

12 is a block diagram of a messaging-based wireless payment system according to a method 6-2 of the present invention.

More specifically, Figure 12 is connected to the unique identification code after receiving the payment request information, including the seller identification information and the buyer mobile phone 100 information and purchase information from the seller terminal 105 (or seller server 900) After storing in the storage medium 1250, the seller's phone provides a unique identification code through the automatic answering server 905, after confirming the payment request information associated with the unique identification code from the storage medium 1250 and the Figure 2 As a system configuration for processing payment through a messaging-based wireless payment configuration, such as those skilled in the art to which the present invention pertains, the messaging-based wireless payment system by referring to and / or modifying the Figure 12 It would be possible to infer various implementation methods for the configuration (eg, implementation methods in which some components are omitted, subdivided, or combined). The present invention includes all the inferred implementation methods, and the technical features are not limited only to the implementation method illustrated in FIG. 12. For example, each means of constituting the wireless payment system of the present invention may be implemented in the form of one individual server itself, or in the form of a program code provided in a part of a server and a part of a server. Or, it is possible that each means is implemented in the form of a program that is all provided in a particular server.

According to the present invention, the messaging-based wireless payment system communicates with the seller terminal 105 (or seller server 900), the automatic response server 905, and the buyer cellular phone 100 as shown in FIG. A storage medium 1250 connected to and storing seller identification information received from the seller terminal 105 (or seller server 900), purchaser mobile phone 100 information, and purchase information, and storing the storage medium. In operation 1250, the seller information to be included in the payment history information may be stored in connection with the seller identification information.

Referring to FIG. 12, the messaging-based wireless payment system receives seller identification information, buyer mobile phone 100 information, and purchase information—including purchase price and product information—from a seller terminal 105 (or a server). After the payment request receiving means 1200 and the unique identification code assigned to the payment request information to the seller identification information, the purchaser mobile phone 100 information, the purchase information by connecting the unique identification code to the storage medium 1250 And information storage means 1205 for storing.

Here, the seller is a person who periodically sells a predetermined product or provides a service to the buyer, and charges for the seller, and the seller terminal 105 (or the seller server 900) periodically sends the buyer to the buyer. Transfer payment request information including purchase information and seller identification information and purchaser mobile phone 100 information corresponding to the product / service to be sold / provided, and the information storage means 1205 assigns a unique identification code to the payment request information. Then, the unique identification code is connected to the seller identification information, the buyer mobile phone 100 information, and the purchase information, and stored in the storage medium 1250.

According to another aspect of the present invention, the payment request receiving means 1200 further includes payment request date and time information (not shown) in the payment request information, and the information storage means 1205 instead of the unique identification code The payment request date and time information may be stored in connection with the payment request information.

Referring to FIG. 12, the messaging-based wireless payment system includes information verification means 1210 for confirming payment request information associated with a unique identification code identified through the automatic response server 905 from the storage medium 1250; And payment history configuration means 1215 for configuring payment history information including one or more of purchase information, seller information, and payment processing information dynamically configured for payment processing.

A call is connected to the answering machine 905 through a telephone network from a seller's phone, and is uniquely set by an answering procedure set in the answering server 905 (for example, a voice message output and a number input corresponding to a DTMF signal). When the number corresponding to the identification code is input, the automatic response server 905 reads the DTMF signal corresponding to the input number, detects the unique identification code, and provides the identification code to the information checking means 1210. The information checking means 1210 checks the payment request information connected to the unique identification code identified through the automatic response server 905 from the storage medium 1250.

According to another aspect of the present invention, when the payment request information and the payment request date and time information are connected and stored in the storage medium 1250, the information checking means 1210 is connected to the payment request information from the storage medium 1250. The payment request date and time may be determined based on the payment request date and time. When the payment request date and time arrive, the payment history configuration unit 1215 may configure the payment history information.

Referring to FIG. 12, the messaging-based wireless payment system constructs a wireless message including a callback URL for providing a wireless page to the purchaser's mobile phone 100 to correspond to the purchaser's mobile phone 100 information. A message transmitting means 1220 for transmitting a message and a page for providing the buyer's mobile phone 100 with a wireless page including the execution code and payment history information when the purchaser's mobile phone 100 is connected through the callback URL. It is provided with a providing means 1225, if the payment program is not provided in the buyer mobile phone 100, the program providing means 1230 for providing a payment program to the purchaser mobile phone 100 is further provided.

Referring to FIG. 12, the messaging-based wireless payment system selects a buyer's payment means from a payment program provided in the buyer's mobile phone 100, and includes payment means information, payment means authentication information, and buyer corresponding to the buyer payment means. When receiving and transmitting the unique information, the information receiving means 1235 for receiving payment information including payment means selection information, payment means information, payment means authentication information, buyer specific information from the buyer mobile phone 100, and the reception A payment processing means (1240) for constructing a payment approval request message including the received payment information and requesting a payment to a payment institution corresponding to the buyer payment method, and receiving a payment approval result full text from the payment institution, and the payment approval result Payment result extracted from the full payment approval information provided by the seller terminal 105 and the buyer mobile phone (100) It is provided with a providing means (1245).

13 is a diagram illustrating a payment program configuration according to an embodiment of the present invention.

In more detail, Figure 13 is a payment program configuration provided in the buyer mobile phone shown in Figure 1 or 2 or 5 or 6, the payment program configuration provided in the buyer mobile phone shown in Figure 3 or 4, 3 to 8 illustrate a payment program configuration of the payer mobile phone shown in FIG. 3, wherein the purchaser mobile phone or the payer mobile phone is wirelessly connected to the messaging-based wireless payment system shown in FIGS. 1 to 12 through a mobile communication network. Wireless communication means 1360 for connecting the communication, and screen output means 1300 for outputting the various interface screen for the messaging-based wireless payment, and having a one-time password generation program for each payment means according to the intention of those skilled in the art The recording medium 1305 may be further provided.

According to another aspect of the present invention, in the wireless payment system of the embodiment shown in Figures 1 to 12, the buyer's mobile phone or the payer's mobile phone may not have the payment program shown in Figure 13, in this case The purchaser's mobile phone or payer's mobile phone may provide wireless payment using a wireless page method or a voice call-based auto answering method.

According to the present invention, the payment program is downloaded to the purchaser's mobile phone or the payer's mobile phone by an execution code provided on the wireless page provided to the purchaser's mobile phone or the payer's mobile phone, and recorded in the recording medium 1305. It is executed (or driven) by the code and loaded into the execution memory area on the mobile phone platform.

Referring to FIG. 13, the payment program loaded into the mobile phone platform may include a communication channel connection unit 1310 for connecting a wireless communication channel with the wireless payment system illustrated in FIGS. 1 to 12 through the wireless communication means 1360. And a payment history receiver 1315 receiving payment history information including one or more purchase information, seller information, and payment processing information dynamically configured for payment processing from the wireless payment system through the communication channel. The payment history output unit 1320 outputs the payment history information through the screen output means 1300 according to a preset format, and the payment history information is transmitted through a wireless page as shown in FIG. When received and output, the payment history receiver 1315 and the payment history output unit 1320 may be omitted.

The screen for outputting the payment history information includes an interface for confirming the payment request of the buyer for the payment history information, and one or more interface screens for processing the wireless payment are sequentially output by the payment request confirmation of the buyer. do.

Referring to FIG. 13, when the payment corresponding to the payment details is processed through the buyer payment means as shown in FIG. 1, 2, 5, or 6, the payment program may request the payment of the buyer. A payment method selection interface for selecting a buyer payment method-a card payment method or an account payment method by confirmation, and payment information including payment method information, payment method authentication information, and purchaser specific information corresponding to the buyer payment method; And an interface output unit 1325 for outputting a payment information input interface, wherein the payment means selection interface selects a third party payment means as shown in FIG. The interface may further include.

The payment means selection interface includes an interface for selecting any one of the buyer's credit card payment means, check card payment means, virtual account payment means, bank transfer payment means, the payment information input interface is selected It includes an interface for inputting payment means information, payment means authentication information, buyer specific information corresponding to the buyer payment means.

Here, the payment means information may include card information corresponding to the buyer payment means, card information including one or more of the CVC and the expiration date, or may include account information including one or more account numbers and bank codes.

The payment means authentication information includes a payment means password (for example, card password, account password) corresponding to each buyer payment means, according to the intention of the skilled person transaction password (for example, account transfer password) or one-time password (One Time Password) ; OTP). Here, the payment means password and transaction password is a password stored by the buyer, while the one-time password is dynamically generated through the one-time password generation program for each buyer payment means provided in the recording medium 1305.

The buyer specific information is unique information for identifying and authenticating the buyer, and includes the buyer's resident registration number (or seven digits after the resident registration number), and can uniquely identify the buyer like the resident registration number according to the intention of a person skilled in the art. Any unique information that may be used may be used.

Referring to FIG. 13, when the payment corresponding to the payment details is processed through the payment means of the payer designated by the buyer, as shown in FIG. 3 or 8, the payment program provided in the buyer's mobile phone includes: A payment method selection interface for selecting a third party payment method according to the payment request confirmation of the buyer, and a third party payment request interface for inputting the payer mobile phone information and the buyer information corresponding to the selected third party payment method; The payment program is provided with an interface output unit 1325, and the payment program provided in the payer mobile phone selects a payment means payment means-a card payment means or an account payment means by selecting the payment request of the payer. And, the payment means information corresponding to the payment means payment means, payment means authentication information, including the unique information of the payer The interface is provided with an interface output unit 1325 for outputting a payment information input interface for inputting payment information, the payment means selection interface according to the intention of those skilled in the art interface for selecting the buyer / payment means and third parties It may include all of the interface for selecting a payment method.

The payment method selection interface output through the payment program provided in the purchaser's mobile phone includes an interface for selecting a third party payment means for requesting a third party designated by the buyer to process payment for the payment details. The third party payment request interface includes an interface for inputting the payer mobile phone information corresponding to the third party designated by the buyer and buyer information for informing the payer who the buyer is requesting the payment from. When using mobile phone information as the buyer information, the interface for inputting the buyer information in the third party payment request interface may be omitted.

The payment method selection interface and payment information input interface outputted through the payment program provided in the payer mobile phone are set only by the owner of the payment method as the payer, and the payment method selection interface output through the payment program provided in the buyer mobile phone. And payment information input interface is the same.

Referring to FIG. 13, a buyer payment means or a payment means is selected by the payment means selection interface, and payment means information and payment means authentication information corresponding to the buyer payment means or the payment means are selected in the payment information input interface. When the purchaser specific information is input, the payment program may include payment means selection information corresponding to the buyer payment method or the payment method of the buyer and payment information including the payment means information, payment means authentication information, and buyer specific information. And an information transmitter 1355 for transmitting the configured payment information to the wireless payment system through the wireless communication means 1360.

According to the embodiment of the present invention, the payment information includes a data structure recognizable by the wireless payment system, and may be encrypted according to an encryption method defined between the payment program and the wireless payment system.

Referring to FIG. 13, when a third party payment means is selected by the payment means selection interface and a payer mobile phone information and a buyer information (optional) are input through the third party payment request interface, the payment program The wireless communication unit 1360 includes an information structuring unit 1350 constituting third party payment request information including the payer mobile phone information and the buyer information, and the configured third party payment request information through the wireless communication means 1360. And an information transmitter 1355 for transmitting to the payment system.

According to an embodiment of the present invention, when the payment means authentication information includes a one-time password corresponding to the payment means selected through the payment means selection interface, the one-time password generation program for each payment means is the mobile phone at each payment means issuer. If the one-time password is used as the payment means authentication information, after the payment information input interface is output through the payment program, the one-time password generation program for each payment means should be switched to the one-time password generation screen. The payment program may include a component that interworks with a one-time password generation program for each payment method to solve the inconvenience of screen switching.

Referring to FIG. 13, when the payment means authentication information includes a one-time password for each payment means, the payment program generates a one-time password generation program for each payment means selected on the recording medium 1305 through the payment means selection interface. It is provided with an OTP confirmation unit 1335 for checking whether there is provided, and when the one-time password generation program for each payment means is confirmed, the interface output unit 1325 is the one-time payment for each payment means on the output payment information input interface Interface (1) for inputting a password for generating a one-time password through a password generation program, an interface (2) requesting to generate a one-time password through the one-time password generation program for each payment means, and one-time password for each payment means Disposable generated by the generator Outputs include the interface (3) to automatically input the password.

According to another exemplary embodiment of the present invention, the interface output unit 1325 includes an interface 1 for inputting a password for generating a one-time password through the one-time password generation program for each payment method on the output payment information input interface; And an interface (2) requesting to generate a one-time password through the one-time password generation program for each payment means, and a one-time password generated through the one-time password generation program for each payment means, and inputting the displayed one-time password. The interface 4 can be included and output.

According to another exemplary embodiment of the present invention, the interface output unit 1325 includes an interface 4 for inputting a disposable password to the output payment information input interface and outputs it to a predetermined area on a mobile phone screen. The one-time password generation interface of the one-time password generation program for each means may be processed to be divided and output to different areas on the screen of the mobile phone. At this time, the payment information input interface and the one-time password generation interface is output by dividing the mobile phone screen in the form of a window, the one-time password for each payment means is generated and displayed through the one-time password generation interface, the one-time password generation interface The one-time password shown in may be keyed through the interface 4 included in the payment information input interface.

Referring to FIG. 13, when a one-time password generation for each payment method is requested through the interface 2, the payment information input interface including the interface 1, the interface 2, and the interface 3 is requested. The payment program may include an OTP driver 1340 for executing a one-time password generation program driving command for each payment means for driving a one-time password generation program corresponding to the payment means, and a password input through the interface 1. When the one-time password is generated through the OTP processing unit 1345 and the one-time password generation program for each payment means is transmitted to the one-time disposable password generation program and the payment means is generated, the interface is obtained by obtaining the generated one-time password. OTP input unit 1330 for automatic input processing It is broken.

When the OTP driver 1340 generates a one-time password for each payment method through a payment information input interface, the payment means through the one-time password generation program driving command for each payment means for driving the one-time password generation program corresponding to the payment method. A one-time password generation program is executed in the form of a background program (for example, a program executed without a screen output).

If the one-time password generation program for each payment means does not include a background program configuration, the OTP driver 1340 may not interrupt the authority for the screen output means 1300 by the one-time password generation program for each payment means. Can be controlled.

When the one-time password generation program for each payment means is executed, the OTP processing unit 1345 transfers the password input through the interface 1 to the one-time password generation program for each payment means, and the password transmission method is the mobile phone platform. The password may be pasted after virtually assigning a caret to the password input interface of the one-time password generation program for each payment method executed in the form of a background program or using the supporting inter-process communication.

When the one-time password is generated through the one-time password generation program for each payment means, the OTP input unit 1330 obtains the generated one-time password through the inter-process communication supported by the mobile phone platform and automatically inputs the interface 3. Alternatively, the caret may be virtually allocated to the one-time password display control of the one-time password generation program for each payment means executed in the form of a background program, and then copied and pasted into the interface 3.

14 is a diagram illustrating a process of transmitting a payment history by driving a payment program to a mobile phone of a buyer through wireless messaging according to the first or third embodiment of the present invention.

Referring to FIG. 14, when the seller identification information, the buyer mobile phone information, and the purchase information are received from the seller terminal (1400), the server corresponding to the wireless payment system illustrated in FIG. 1 or 3 may provide the purchase information and the seller information. Compose a payment history including payment processing information (1405), and transmits a wireless message including a callback URL to the buyer's mobile phone corresponding to the buyer's mobile phone information (1410), the buyer's mobile phone using the callback URL wirelessly The page is accessed (1415).

When the purchaser's mobile phone accesses the wireless page, the server searches for the payment program on the purchaser's mobile phone, downloads it if it is not found, and provides a wireless page including execution code for executing the downloaded or provided payment program. In operation 1420, the purchaser mobile phone searches for a payment program included in the purchaser mobile phone through the execution code included in the wireless page (1425).

If the payment program is not found (1430), the buyer mobile phone downloads the payment program corresponding to the mobile phone platform (1435), if the payment program is retrieved (1430) or downloaded (1435), the payment program In operation 11440, the server connects the communication channel with the server, and correspondingly, the server transmits the configured payment information to the purchaser mobile phone through the communication channel (1445).

FIG. 15 is a diagram illustrating a process of transmitting a payment history by driving a payment program to a purchaser's mobile phone through wireless messaging according to the second or fourth embodiment of the present invention.

Referring to FIG. 15, when seller identification information, buyer mobile phone information, and purchase information are received from the seller terminal (1500), the server corresponding to the wireless payment system illustrated in FIG. 2 or 4 may provide the purchase information, the seller information, and the like. Compose a payment history including payment processing information (1505), and transmits a wireless message including a callback URL to the buyer's mobile phone corresponding to the buyer's mobile phone information (1510), the buyer's mobile phone using the callback URL wirelessly The page is accessed (1515).

When the purchaser's mobile phone accesses the wireless page, the server searches for the payment program on the purchaser's mobile phone, downloads it if it is not found, and executes the code for executing the downloaded or provided payment program and the configured payment history information. In operation 1520, the wireless terminal may include a wireless page including the wireless page, and the buyer's mobile phone may output the payment information through the wireless page, and confirm the payment request of the buyer for the payment (1525).

If the payment request is confirmed by the buyer (1530), the buyer's mobile phone searches for a payment program provided in the buyer's mobile phone through the execution code included in the wireless page (1535).

If the payment program is not found (1540), the buyer mobile phone downloads the payment program corresponding to the mobile phone platform (1545), if the payment program is retrieved (1540) or downloaded (1545), the payment program It is driven (1550).

16 is a process of outputting payment details, selecting a payment method, and inputting payment information corresponding to a payment method in a payment program provided in a purchaser's mobile phone according to the first to fourth embodiments of the present invention; Figure is a diagram.

Referring to FIG. 16, the payment program provided in the purchaser's mobile phone receives and outputs payment details information from a server corresponding to the wireless payment system provided in FIGS. 1 to 4 through a communication channel (1600). The buyer checks the payment request for the received payment history information (1605).

If the buyer's payment request for the payment history information is confirmed (1610), the payment program outputs a payment method selection interface to determine whether the buyer payment method is selected (1615).

If the buyer payment method is selected through the payment method selection interface (1620), the payment program outputs a payment information input interface corresponding to the selected payment method (1625) and the buyer payment through the payment information input interface. Check whether the payment means information, payment means authentication information, buyer specific information corresponding to the means is input (1630), if the payment means information, payment means authentication information, buyer specific information is input (1635), the selected buyer payment After the payment means selection information corresponding to the means and the payment information including the payment means information, payment means authentication information, buyer specific information is configured (1640), the payment information is transmitted through the communication channel (1645).

According to another aspect of the present invention, the buyer mobile phone outputs a payment method selection interface or a payment information input interface through a wireless page without using the payment program, and inputs payment information, or selects a payment method through an automatic response server. Voicement or payment information input It is possible to input the payment information based on the voicement.

FIG. 17 is a diagram illustrating a process of transmitting a payer's mobile phone information and a buyer's information by selecting a third party's payment means from a payment program provided in the buyer's mobile phone according to the method 3-1 or 4-1 of the present invention. to be.

In more detail, in FIG. 17, when a third-party payment method is selected in the payment method selection interface of the payment program provided in the purchaser's mobile phone, the payment is made to the payer corresponding to the third party. It is about the process of inputting the payer mobile phone information and the buyer information for the request.

Referring to FIG. 17, if a buyer payment method is not selected in the payment method selection interface output to the buyer's mobile phone through the process illustrated in FIG. 16, the payment program checks whether a third party payment method is selected (1700). .

If a third party payment method is selected through the payment method selection interface (1705), the payment program outputs a third party payment request interface, and the payer mobile phone information and the buyer information for the third party payment request are displayed. Verify that the input (1710).

If the payer mobile phone information and the buyer information are input through the third party payment request interface (1715), the payment program transmits the payer mobile phone information and the buyer information through the communication channel (1720).

FIG. 18 is a diagram illustrating a process of delivering a wireless message including a callback URL to a payer mobile phone according to a method 3-2 or 4-2 of the present invention.

Referring to FIG. 18, when seller identification information, buyer mobile phone information, and purchase information are received from the seller terminal (1800), the server corresponding to the wireless payment system illustrated in FIG. 5 or FIG. 6 may provide the purchase information, the seller information, and the like. Configure a payment history including payment processing information (1805), configure a wireless message including the callback URL, which can be transferred from the buyer mobile phone to the payer mobile phone (1810), and transmit the configured wireless message to the buyer mobile phone (1815).

The purchaser mobile phone delivers the received wireless message directly to the payer mobile phone, or provides the payer mobile phone information to the server to process the transmission of the wireless message from the server to the payer mobile phone (1820).

FIG. 19 is a diagram illustrating a process of transmitting a wireless message including a callback URL to a payer mobile phone according to the third or fourth embodiment of the present invention.

Referring to FIG. 19, when seller identification information, buyer mobile phone information, and purchase information are received from the seller terminal (1900), the server corresponding to the wireless payment system illustrated in FIG. 7 or 8 may provide the purchase information, the seller information, and the like. A payment history including payment processing information is configured (1905), and a unique payment identification code is assigned to the payment history information (1910).

If a payment identification code is assigned to the payment history information (1910), the server provides the payment identification code to the buyer mobile phone (1915), the buyer mobile phone to the payer mobile phone designated by the buyer to the payment identification code; (1920).

The payer mobile phone provides the payment identification code provided from the purchaser mobile phone to the server (1925), and the server checks (or approves) the mobile phone transmitting the payment identification code with the payer mobile phone (1930), In operation 1930, the wireless message including the callback URL is transmitted to the confirmed (or approved) payer mobile phone.

20 is a diagram illustrating a process of transmitting a payment history by driving a payment program to a payer mobile phone through wireless messaging according to the method 3-1, 2, 3 of the present invention.

In more detail, FIG. 20 illustrates a method of driving a payment program to a payer mobile phone corresponding to the payer mobile phone information through wireless messaging in the wireless payment system shown in FIG. 3 or 5 or 7, and the driven payment program. It shows a process of transmitting the payment history.

Referring to FIG. 20, the server corresponding to the wireless payment system illustrated in FIG. 3, 5, or 7 transmits a wireless message including a callback URL to a payer mobile phone corresponding to the payer mobile phone information (2000). The payer mobile phone accesses the wireless page using the callback URL (2005).

According to another aspect of the present invention, the server further transmits the purchaser identification information to the wireless message to the payer mobile phone, or further includes unique identification information received from a delivery unit communication means (or seller communication means). It is possible to send by.

When accessing a wireless page from the payer's mobile phone, the server searches for a payment program on the payer's mobile phone, downloads it if it is not found, and executes the downloaded or provided payment program. (2010), and correspondingly, the payer mobile phone searches for a payment program provided in the payer mobile phone through the execution code included in the wireless page (2015).

According to another aspect of the present invention, the server further transmits to the payer mobile phone the purchaser identification information on the wireless page, or further includes the unique identification information received from a delivery means (or seller communication means). It is possible to send by.

If the payment program is not found (2020), the payer mobile phone downloads the payment program corresponding to the mobile phone platform (2025), if the payment program is retrieved (2020), or downloaded (2025), the payment A program is connected to the communication channel with the server (2030), and correspondingly, the server transmits the configured payment information to the payer mobile phone through the communication channel (2035).

According to another aspect of the present invention, the server transmits the payment history information further including the purchase place identification information, or further including the unique identification information received from the delivery unit communication means (or seller communication means). It is possible.

FIG. 21 is a diagram illustrating a process of transmitting a payment history by driving a payment program to a payer mobile phone through wireless messaging according to the fourth embodiment of the present invention.

In more detail, FIG. 21 shows a payment program after transmitting and outputting payment details to a payer mobile phone corresponding to the payer mobile phone information through wireless messaging in the wireless payment system shown in FIG. 4 or 6 or 7. It shows the driving process.

Referring to FIG. 21, the server corresponding to the wireless payment system shown in FIG. 4 or 6 or 7 transmits a wireless message including a callback URL to the payer mobile phone corresponding to the payer mobile phone information (2100). The payer mobile phone accesses the wireless page using the callback URL (2105).

According to another aspect of the present invention, the server further transmits the purchaser identification information to the wireless message to the payer mobile phone, or further includes unique identification information received from a delivery unit communication means (or seller communication means). It is possible to send by.

When accessing the wireless page from the payer's mobile phone, the server searches for the payment program on the payer's mobile phone, downloads it if it is not found, and executes code and payment history information for executing the downloaded or provided payment program. In operation 2110, the payer mobile phone outputs the payment history information through the wireless page and confirms the payment request of the payer for the payment history.

According to another aspect of the present invention, the server further transmits to the payer mobile phone the purchaser identification information on the wireless page, or further includes the unique identification information received from a delivery means (or seller communication means). It is possible to send by.

If the payment request is confirmed by the payer (2120), the payer mobile phone searches for a payment program provided in the payer mobile phone through the execution code included in the wireless page (2125).

If the payment program is not found (2130), the payer mobile phone downloads the payment program corresponding to the mobile phone platform (2135), if the payment program is searched (2130), or downloaded (2135), the payment The program is driven (2140).

22 illustrates a process of outputting payment details, selecting a payment method, and inputting and transmitting payment information corresponding to the payment method in the payment program provided in the payer mobile phone according to the third or fourth embodiment of the present invention. Figure is shown.

Referring to FIG. 22, when payment history information is transmitted from a server corresponding to the wireless payment system shown in FIG. 3, 5, or 7 to the payer mobile phone through the process illustrated in FIG. 20, the payer mobile phone is transmitted. The payment program included in the receiving and outputting payment history information from the server through a communication channel (2200), and confirms the payment request of the payer for the output payment history information (2205).

If the payment request of the payer for the payment history information is confirmed (2210), or if the payment program is driven after outputting the payment history through the process shown in FIG. 21, the payment program outputs a payment method selection interface to make a payment. In step 2215, the payment means is selected.

If a payer payment method is selected through the payment method selection interface (2220), the payment program outputs a payment information input interface corresponding to the selected payment method (2225), and the payment through the payment information input interface. If the payment means information, payment means authentication information, payment unique information corresponding to the payment means is input (2230), and if the payment means information, payment means authentication information, unique information unique to the payer (2235), After the payment means selection information corresponding to the selected payer payment means, and the payment information including the payment means information, payment means authentication information, unique payment information (2240) is configured (2240), the payment information through the communication channel Transmit (2245).

According to another aspect of the present invention, the payer mobile phone outputs a payment method selection interface or a payment information input interface through a wireless page without using the payment program to input payment information, or through a automatic response server. Selected voicement or payment information input It is possible to input the payment information based on the voicement.

FIG. 23 is a diagram illustrating a process of confirming purchase information to be included in payment details to be provided to a purchaser's mobile phone through an automatic response server according to the method 5-1 or 6-1 of the present invention.

Referring to FIG. 23, when the server corresponding to the wireless payment system illustrated in FIG. 9 or FIG. 10 receives seller identification information, buyer mobile phone information, and purchase information periodically from a seller terminal (or seller server) (2300), The seller identification information, the buyer mobile phone information, and the purchase information are connected and stored in a storage medium (2305).

If a call is connected between the answering machine and the buyer's phone shown in FIG. 9 or FIG. 10 (2315), the answering machine is connected with the seller identification information in a DTMF manner according to a preset answering procedure from the calling connected buyer's phone. After detecting the purchaser mobile phone information (2315), the server acquires the seller identification information and the purchaser mobile phone information from the auto-response server (2320), and the seller identification information and the buyer mobile phone information from the storage medium. Check the connected purchase information (2325), the purchase information is provided to the buyer mobile phone through the process shown in Figure 14 or 15.

24 is a diagram illustrating a process of confirming purchase information to be included in payment details to be provided to a buyer's mobile phone through an automatic response server according to the method 5-2 or 6-2 of the present invention.

Referring to FIG. 24, when a server corresponding to the wireless payment system illustrated in FIG. 11 or FIG. 12 receives seller identification information, buyer mobile phone information, and purchase information periodically from a seller terminal (or seller server) (2400), The unique identification code is connected to the seller identification information, the buyer mobile phone information, and the purchase information and stored in the storage medium (2405).

If a call between the answering machine and the seller's phone shown in FIG. 11 or FIG. 12 is connected (2415), the answering machine sends a unique identification code in a DTMF manner according to a preset answering procedure from the seller's connected phone. Detect (2415), and correspondingly, the server acquires the unique identification code from the auto-response server (2420), and confirms payment request information linked to the unique identification code from the storage medium (2425). The purchase information included in the payment request information is provided to the buyer mobile phone through the process shown in FIG. 14 or 15.

According to another aspect of the present invention, the payment request date and time information may be stored in the storage medium instead of the unique identification code, in this case, the server checks whether the payment request date and time, when the payment request date and time, The payment request information arrives at the payment request date and time from the storage medium.

25 is a diagram illustrating a payment processing process according to the first to sixth embodiments of the present invention.

When payment information is received from the payment program provided in the buyer's mobile phone or the payer mobile phone through the process illustrated in FIG. 16 or 22 (2500), the server configures a payment approval request message including the payment information; 2505), after the payment approval request message is transmitted to the payment institution corresponding to the payment means, it is checked whether a payment approval result message including payment approval details corresponding to the payment approval request message is received (2510).

If the payment approval result message is received (2515), the server extracts payment approval history information from the payment approval result message and transmits it to the seller terminal, the buyer mobile phone or the payer mobile phone (2520).

FIG. 26 is a diagram illustrating a process of generating a one-time password through a one-time password generation program for each payment method according to an embodiment of the present invention and including it in the payment method authentication information.

In the process shown in FIG. 16 or 22, when the buyer payment method or the payment method is selected through the payment method selection interface, the payment program corresponds to the one-time password generation program for each payment method selected by the payment method selection interface. Check if the phone is equipped (2600).

If it is confirmed that the mobile phone is provided with a one-time password generation program for each payment means (2605), the payment program is a one-time use of the one-time password generation program for each payment means on the payment information input interface output after the payment method selection. Generate a password, including the one-time password associated interface using the generated one-time password as the payment means authentication information and outputs (2610), after creating a one-time password through the payment information input interface to generate a one-time password Check if it is requested (2615).

If the one-time password generation is requested (2620), the payment program executes a one-time password generation program for each payment means through a preset one-time password generation program driving command (2625) and the one-time password for each payment means. When the generation program is executed (2630), the one-time password generation program for each executed payment means is transferred to the one-time password generation program to process the one-time password generation through the one-time password generation program for each payment means (2635). .

If a one-time password is generated through the one-time password generation program for each payment means (2640), the payment program generates a one-time password generated through the one-time password generation program for each payment means on the one-time password input interface on the payment information input interface. Automatic input processing (2645).

According to another aspect of the present invention, it is possible to manually input through the interface 4 included in the payment information input interface without automatically entering the disposable password.

100: buyer mobile phone 105: seller terminal
110: payment request receiving means 115: message transmission means
120: page providing means 125: program providing means
130: payment history configuration means 135: payment history transmission means
140: information receiving means 145: payment processing means
150: payment result providing means 155: seller D / B
160: program D / B 165: page management D / B

Claims (4)

Receiving, at the server, seller identification information, buyer mobile phone information, and purchase information, including at least one purchase amount and product information, from the seller terminal;
Constructing a wireless message including a callback URL for accessing a wireless page by the server and transmitting the wireless message to a purchaser's mobile phone corresponding to the purchaser's mobile phone information;
When the buyer's mobile phone is connected through the callback URL, the server searches for the execution code-buyer mobile phone's payment program 1, and if it is not available, the download proceeds, and if provided with the buyer mobile phone Providing a wireless page including an execution code for driving the provided payment program 1 to the purchaser mobile phone;
If the payment program 1 is not provided by executing the execution code on the purchaser's mobile phone and the payment program 1 is not provided, the payment program 1 is downloaded from the server, and the downloaded or pre-installed payment is executed. Driving the program 1;
In the payment program 1, the purchase information, seller information-mutual information, contact information, business registration number-and payment processing information dynamically configured for payment processing-including one or more payment deadlines, request numbers, and request date and time from the server- Receiving and outputting payment history information including one or more;
Outputting a payment means selection interface for selecting a third party payment means in the payment program (1);
When a third party payment means is selected through the payment means selection interface, the payment program 1 outputs a third party payment request interface for inputting payer mobile phone information corresponding to the selected third party payment means. step;
Transmitting the payer mobile phone information to the server when the payer mobile phone information is input through the third party payment request interface;
Constructing a wireless message including a callback URL for accessing a wireless page by the server and transmitting the wireless message to a payer mobile phone corresponding to the payer mobile phone information;
When the payer mobile phone is connected through the callback URL, the server searches for whether the execution code-payer mobile phone is provided with a payment program (2), and if not, proceeds with the download, and if provided with the Providing a wireless page including an execution code for driving a payment program 2 provided in a payer mobile phone to the payer mobile phone;
If the payment program 2 is not provided by executing the execution code on the payer mobile phone and the payment program 2 is not provided, the payment program 2 is downloaded from the server, and the downloaded or previously provided Driving a payment program 2;
In the payment program 2, the purchaser information, purchase information, seller information-mutual information, contact information, business registration number-and payment processing information dynamically configured for payment processing-payment due date, request number, request date and time from the server Receiving and outputting payment history information including one or more of the above;
Outputting a payment means selection interface for selecting a payer payment means-a card payment means or an account payment means in the payment program (2);
When a payer payment method is selected through the payment method selection interface, payment information including payment means information, payment means authentication information, and unique payment information unique to the selected payer payment means in the payment program (2) Outputting a payment information input interface for inputting;
When payment means information, payment means authentication information, and payment unique information is input through the payment information input interface, payment means selection information corresponding to the payer payment means selected through the payment means selection interface in the payment program (2) And transmitting to the server payment information including payment means information, payment means authentication information, and payer specific information input through the payment information input interface.
Constructing a payment approval request message including the received payment information in the server and requesting a payment to a payment institution corresponding to the payment means; And
When the payment approval result full text is received from the payment institution, extracting payment approval history information from the payment approval result full text to provide to the seller terminal, the payer mobile phone and the buyer mobile phone; Messaging based, characterized in that comprises a Wireless payment method.
Receiving, at the server, seller identification information, buyer mobile phone information, and purchase information, including at least one purchase amount and product information, from the seller terminal;
Constructing a wireless message including a callback URL for accessing a wireless page by the server and transmitting the wireless message to a purchaser's mobile phone corresponding to the purchaser's mobile phone information;
When the buyer's mobile phone is connected through the callback URL, the server searches for the execution code-buyer mobile phone's payment program 1, and if it is not available, the download proceeds, and if provided with the buyer mobile phone A payment code for driving the provided payment program 1, including the received purchase information, seller information-trade name, contact number, business registration number-and payment processing information-payment due date, payment deadline, request Providing a wireless page to the purchaser's mobile phone including payment history information including at least one of a number and at least one request date and time;
The purchaser's mobile phone outputs the payment history information included in the wireless page, executes the execution code, checks whether the payment program 1 is provided, and if the payment program 1 is not provided, the payment program from the server ( 1) downloading, driving the downloaded or pre-installed payment program (1);
Outputting a payment means selection interface for selecting a third party payment means in the payment program (1);
When a third party payment means is selected through the payment means selection interface, the payment program 1 outputs a third party payment request interface for inputting payer mobile phone information corresponding to the selected third party payment means. step;
Transmitting the payer mobile phone information to the server when the payer mobile phone information is input through the third party payment request interface;
Constructing a wireless message including a callback URL for accessing a wireless page by the server and transmitting the wireless message to a payer mobile phone corresponding to the payer mobile phone information;
When the payer mobile phone is connected through the callback URL, the server searches for whether the execution code-payer mobile phone is provided with a payment program (2), and if not, proceeds with the download, and if provided with the Providing a wireless page including an execution code for driving a payment program 2 provided in a payer mobile phone and payment details information to the payer mobile phone;
The payer mobile phone outputs the payment history information included in the wireless page, executes the execution code, checks whether the payment program 2 is provided, and if the payment program 2 is not provided, the payment program from the server. (2) downloading, driving the downloaded or pre-installed payment program (2);
Outputting a payment means selection interface for selecting a payer payment means-a card payment means or an account payment means in the payment program (2);
When a payer payment method is selected through the payment method selection interface, a payment information input interface for inputting payment information including payment method information, payment method authentication information, and payer specific information corresponding to the selected payer payment method; Outputting;
When payment means information, payment means authentication information, and payment unique information is input through the payment information input interface, payment means selection information corresponding to the payer payment means selected through the payment means selection interface in the payment program (2) And transmitting to the server payment information including payment means information, payment means authentication information, and payer specific information input through the payment information input interface.
Constructing a payment approval request message including the received payment information in the server and requesting a payment to a payment institution corresponding to the payment means; And
When the payment approval result full text is received from the payment institution, extracting payment approval history information from the payment approval result full text to provide to the seller terminal, the payer mobile phone and the buyer mobile phone; Messaging based, characterized in that comprises a Wireless payment method.
Receiving, at the server, seller identification information, buyer mobile phone information, and purchase information, including at least one purchase amount and product information, from the seller terminal;
Including a callback URL in the server, constructing a wireless message that can be delivered to a payer mobile phone designated by the purchaser, and transmitting the wireless message to the buyer mobile phone corresponding to the buyer mobile phone information;
When the payer mobile phone receives the wireless message from the buyer's mobile phone and accesses it through the callback URL, the server detects whether the execution code-payer mobile phone is provided with a payment program and proceeds with downloading if it is not available. A wireless page including an execution code for driving a payment program provided in the payer mobile phone when provided to the payer mobile phone;
Executing the execution code on the payer mobile phone to search whether a payment program is provided, downloading a payment program from the server if the payment program is not provided, and driving the downloaded or pre-installed payment program;
In the payment program, the purchaser information, purchase information, seller information-mutual information, contact information, business registration number-and payment processing information dynamically configured for payment processing-including one or more payment deadlines, request numbers, and request date and time from the server. Receiving and outputting payment history information including one or more;
Outputting a payment means selection interface for selecting a payer payment means-a card payment means or an account payment means in the payment program;
When a payer payment method is selected through the payment method selection interface, the payment program inputs payment information including payment method information, payment method authentication information, and payer specific information corresponding to the selected payer payment method. Outputting a payment information input interface;
When payment method information, payment method authentication information, and payment-owner specific information are input through the payment information input interface, payment method selection information and payment corresponding to the payment method selected by the payment method selection interface in the payment program. Transmitting payment information including payment means information, payment means authentication information, and payer specific information input through an information input interface to the server;
Constructing a payment approval request message including the received payment information in the server and requesting a payment to a payment institution corresponding to the payment means; And
When the payment approval result full text is received from the payment institution, extracting payment approval history information from the payment approval result full text to provide to the seller terminal, the payer mobile phone and the buyer mobile phone; Messaging based, characterized in that comprises a Wireless payment method.
Receiving, at the server, seller identification information, buyer mobile phone information, and purchase information, including at least one purchase amount and product information, from the seller terminal;
Including a callback URL in the server, constructing a wireless message that can be delivered to a payer mobile phone designated by the purchaser, and transmitting the wireless message to the buyer mobile phone corresponding to the buyer mobile phone information;
When the payer mobile phone receives the wireless message from the purchaser's mobile phone and accesses it through the callback URL, the server detects whether the execution code-payer mobile phone is provided with a payment program and proceeds to download if it is not available. And, if provided, the execution code for driving the payment program provided in the payer mobile phone-and payment history information-the buyer information, purchase information, seller information-mutual, contact, business registration number-and dynamic for payment processing Providing to the payer mobile phone a wireless page including payment processing information, including at least one payment due date, request number, and request date and time;
If the payment program is not provided by outputting payment history information included in the wireless page on the payer mobile phone and executing the execution code, the payment program is downloaded from the server and downloaded or Or driving a provided payment program;
Outputting a payment means selection interface for selecting a payer payment means-a card payment means or an account payment means in the payment program;
When a payer payment method is selected through the payment method selection interface, a payment information input interface for inputting payment information including payment method information, payment method authentication information, and payer specific information corresponding to the selected payer payment method; Outputting;
When payment method information, payment method authentication information, and payment-owner specific information are input through the payment information input interface, payment method selection information and payment corresponding to the payment method selected by the payment method selection interface in the payment program. Transmitting payment information including payment means information, payment means authentication information, and payer specific information input through an information input interface to the server;
Constructing a payment approval request message including the received payment information in the server and requesting a payment to a payment institution corresponding to the payment means; And
When the payment approval result full text is received from the payment institution, extracting payment approval history information from the payment approval result full text to provide to the seller terminal, the payer mobile phone and the buyer mobile phone; Messaging based, characterized in that comprises a Wireless payment method.

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