KR20110073628A - Method for processing home-shopping settlement using mobile phone, mobile phone and recording medium - Google Patents

Abstract

PURPOSE: A home shopping payment processing method using a cellular phone, the cellular phone for the same, and recording medium are provided to freely perform payment or order while viewing a home shopping broadcasting through a payment program by having a separate payment program in a cellular phone. CONSTITUTION: A settlement request receiving unit(125) receives purchasing information inputted through a purchasing information selection interface. A payment history configuration unit(130) constitutes the payment detailed information. A payment breakdown transmission unit(135) transmits the composed payment detailed information to a user mobile phone(170). An information receiving unit(100) selects user payment method in a payment program including the user cellular phone.

Description

Method for processing home shopping payment using a mobile phone and a mobile phone and recording medium therefor {Method for Processing Home-Shopping Settlement using Mobile Phone, Mobile Phone and Recording Medium}

The present invention provides a method and system for providing a payment service based on product specific information (or channel identification information) to be purchased using a mobile phone instead of an ARS ordering phone to use a product (or service) during home shopping broadcasting. To provide.

Mobile phones offer a wide variety of services, the most important of which is the payment service.

However, the payment service using a mobile phone receives the verification code as a text message and enters the verification code input area displayed on the PC to make a payment, which can be conveniently used on the PC. Due to the method, it is very inconvenient to purchase a product while watching home shopping.

To this end, home shopping is provided with a card number through the ARS order telephone, but payment processing is required, but the use of home shopping in public places is very inconvenient, because the card number needs to be told to others.

An object of the present invention for solving the above problems is to provide a separate payment program in the mobile phone, to enable the order / payment at any time while watching the home shopping broadcast through the provided payment program, the product being broadcast through the home shopping broadcast Provides convenience to the user who purchases it.

The present invention provides a memory unit for storing purchase information (purchase information including one or more items, quantities, and colors) corresponding to home shopping payment-specific product identification information (or channel identification information), and a memory unit for storing home shopping payment-specific products. An input unit for receiving information (or channel identification information) and purchase information (purchase information including one or more items, quantities, and colors) corresponding to home shopping payment target product unique information (or channel identification information) input through the input unit; An interface providing unit for extracting and outputting a selection interface from the memory, a transmission unit for transmitting input or selected purchase information to the server through the outputted purchase information selection interface, and payment detailed information corresponding to the purchase information from the server; Receiving unit for receiving the payment process for processing the payment corresponding to the payment details; Providing a cellular phone comprising a.

According to the present invention, it is possible to easily purchase / use the goods / services required while watching the home shopping channel in public places, and can be easily paid without providing the card number through the ARS, such as preventing the leakage of the card number It works.

In addition, when you ask someone to pay for something you want to purchase (for example, your child asks your parents to purchase goods / services), you can make payments conveniently through your mobile phone, so that you can lend your card to others. Eliminates discomfort and provides the convenience of payment anytime, anywhere.

Home shopping payment processing method using a mobile phone according to the present invention, the purchase information (purchase information including one or more items, quantity, color) corresponding to the home shopping payment target product specific information (or channel identification information) in the user mobile phone Outputting; transmitting input or selected purchase information through a purchase information selection interface on a user mobile phone to a server; receiving and outputting payment detailed information corresponding to the purchase information from the server on a user mobile phone; And processing a payment corresponding to the payment detailed information in a user mobile phone.

In the home shopping payment processing method using a mobile phone according to the present invention, the purchase information (purchase information including one or more items, quantity, color) corresponding to the home shopping payment target product unique information (or channel identification information) selected in the user mobile phone The outputting of the interface may include receiving home shopping payment target product specific information (or channel identification information) from the user in the user's mobile phone and corresponding home shopping payment target product unique information (or channel identification information) input from the user's mobile phone. Checking whether the purchase information selection interface is pre-stored in a memory; and if the purchase information selection interface is pre-stored in a memory, extracting and outputting a purchase information selection interface from a memory, and the purchase information selection interface is a memory. If not stored on the network And transmitting the home shopping payment target product unique information (or channel identification information) to a server for requesting a purchase information selection interface corresponding to the home shopping payment target product unique information (or channel identification information). do.

In the home shopping payment processing method using a mobile phone according to the present invention, the purchase information (purchase information including one or more items, quantity, color) corresponding to the home shopping payment target product unique information (or channel identification information) selected in the user mobile phone The outputting of the interface may include receiving home shopping payment target product unique information (or channel identification information) from the user in the user mobile phone, and receiving the home shopping payment target product unique information (or channel identification information) from the user mobile phone. And transmitting to a server on a communication network and receiving a purchase information selection interface corresponding to home shopping payment target product unique information (or channel identification information) from the server in the user's mobile phone.

In the home shopping payment processing method using a mobile phone according to the present invention, the step of processing the payment corresponding to the payment detailed information in the user mobile phone, the step of outputting a payment method selection interface, payment through the payment method selection interface If a means is selected, outputting a payment information input interface for inputting payment information including at least one payment means information, payment means authentication information, and user-specific information corresponding to the selected payment means, and the payment information input interface If the payment information is input through, characterized in that it further comprises the step of transmitting the payment information to the payment server.

On the other hand, it includes a computer-readable recording medium, characterized in that for recording the program for executing the above-mentioned home shopping payment processing method using the mobile phone.

On the other hand, the mobile phone according to the present invention, the memory unit for storing the purchase information (purchase information including one or more items, quantity, color) selection interface corresponding to the product specific information (or channel identification information) for the home shopping payment, and the user, An input unit for receiving home shopping payment target product unique information (or channel identification information) from the terminal, and purchase information (item, quantity, color) corresponding to the home shopping payment target product unique information (or channel identification information) inputted through the input unit. And an interface providing unit for extracting and outputting a selection interface from the memory, a transmission unit for transmitting input or selected purchase information to the server through the outputted purchase information selection interface, and the purchase information from the server. A receiving unit for receiving payment details corresponding to the payment information corresponding to the payment details; There is provided a payment processing unit for processing.

On the other hand, the mobile phone according to the present invention, the input unit for receiving the home shopping payment target product unique information (or channel identification information) from the user, and the home shopping payment target product unique information (or channel identification information) input through the input unit on the communication network An interface for transmitting to a server and receiving a purchase interface (purchase information including one or more items, quantities, and colors) corresponding to the home shopping payment target product unique information (or channel identification information) from the server, and outputting the received interface. A providing unit, a transmission unit for transmitting input or selected purchase information to the server through the output purchase information selection interface, a receiving unit for receiving payment detailed information corresponding to the purchase information from the server, and the payment detail information. And a payment processing unit that processes the corresponding payment.

In the mobile phone according to the present invention, the payment processing unit outputs a payment means selection interface, and when a payment means is selected through the payment means selection interface, payment means information corresponding to the selected payment means, payment means authentication information, And outputting a payment information input interface for inputting payment information including one or more user-specific information, and transmitting the payment information to a payment server when payment information is input through the payment information input interface. It is done.

Hereinafter, with reference to the accompanying drawings and description will be described in detail the operating principle of the preferred embodiment of the present invention. However, the drawings and the following description shown below are for the preferred method among various methods for effectively explaining the features of the present invention, the present invention is not limited only to the drawings and description below. In addition, in the following description of the present invention, if it is determined that a detailed description of a related known function or configuration may unnecessarily obscure the subject matter of the present invention, the detailed description thereof will be omitted. In addition, terms to be described below are terms defined in consideration of functions in the present invention, which may vary according to 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 embodiments 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's just

1 is a block diagram of a messaging-based home shopping payment system according to a first embodiment of the present invention.

In more detail, Figure 1 shows that a user who purchases a home shopping product runs a payment program provided in a user's mobile phone 170, inputs home shopping payment target product specific information (or channel identification information), and inputs the home shopping payment target. Purchase information including a purchase information selection input interface corresponding to product unique information (or channel identification information) and at least one purchase information (item, quantity, color, etc.) input through the output purchase information selection input interface. Is received, the seller information corresponding to the purchase information and home shopping payment target product unique information (or channel identification information) and payment processing information (payment time, request number, The payment program by providing one or more payment details including at least one request date and time) to the user's mobile phone 170. And payment information (payment means selection information, payment means information, payment means authentication information, user unique information, etc.) corresponding to the user payment means selected through the payment program to process the payment for the purchase information. As illustrated in FIG. 1, a person having ordinary knowledge in the art to which the present invention pertains may refer to and / or modify the present invention in various ways to implement the messaging-based home shopping payment system (for example, some components). Addition, omitted, subdivided, or combined implementation methods) may be inferred, but the present invention includes all implementation methods inferred from above, and the technical features are limited only by the implementation method shown in FIG. Not.

For example, each means of constituting the home shopping payment system of the present invention may be implemented in the form of one individual server itself, or in the form of a server and part of the program code provided in a specific 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 home shopping payment system, a user mobile phone that transmits payment request information including home shopping payment target product unique information (or channel identification information), user mobile phone information and purchase information by a user's purchase request ( 170 is connected to the user mobile phone 170 corresponding to the user mobile phone information, and is connected to the bansa server and card company server (or financial company server) for payment processing.

The user mobile phone 170 is provided with a payment program driven by the user for the purchase of the product on sale through home shopping, the payment program is based on the unique information (or channel identification information) for the home shopping payment received from the home shopping payment system; Output corresponding purchase information selection input interface, output payment details information corresponding to the selected purchase information, select a user payment method, payment means information, payment means authentication information, user specific corresponding to the selected user payment means Program code configuration for inputting information and transmitting to the home shopping payment system.

According to another exemplary embodiment of the present invention, payment request information including home shopping payment target product unique information (or channel identification information), user mobile phone information, and purchase information is transmitted from the user terminal 250 (not shown) to the home shopping payment system. Can provide.

For example, when making a payment for a product to be purchased using the messaging-based home shopping payment system, seller identification information (eg, a product sales company) to request the charge payment from the user terminal 250 (not shown). ) And payment request information including user mobile phone information and purchase information (for example, a charged amount) may be provided to the home shopping payment system.

In this case, the user terminal 250 includes an IPTV (or set-top box), a voice call terminal capable of using ARS, or any terminal such as a PC, a mobile phone, a PDA, etc., which can be connected to the wired or wireless Internet.

Referring to FIG. 1, the messaging-based home shopping payment system includes an information receiving means for receiving a product-specific information (or channel identification information) input by a user by driving a payment program provided in the user terminal 250 ( And a page providing means 105 for providing the user terminal 250 with a purchase information selection interface corresponding to the received home shopping payment target product unique information (or channel identification information).

Here, the purchase information selection interface receives a purchase information selection page corresponding to home shopping payment target product unique information (or channel identification information) on the user's mobile phone, and receives the home shopping payment target product unique information (or channel identification information). After confirming whether or not the purchase information selection interface corresponding to the stored on the user's mobile phone 170, and if previously stored to extract the purchase information selection interface from the memory 865, and is not stored on the memory 865 If not, it may be provided through the page providing means 105, where the purchase information selection interface is preferably provided at the request of the user terminal 170.

In the user mobile phone 170 equipped with a payment program, the payment program is driven, and the home shopping payment target product unique information (or channel identification information) is input through the user interface provided by the driven payment program and transmitted through a wireless communication network. The information receiving means 100 receives home shopping payment target product unique information (or channel identification information) transmitted from the user mobile phone 170 through a wireless communication network.

According to an embodiment of the present invention, the user mobile phone 170 is provided with a payment program for providing a user interface for inputting and transmitting the unique information (or channel identification information) of the home shopping payment target product, or a wireless page (or Web page) can be transmitted by inputting the unique information (or channel identification information) of the product to be paid for home shopping.

When the payment request information is received from the user mobile phone 170, the page providing means 105 refers to a page management D / B, the wireless page corresponding to the home shopping payment product specific information (or channel identification information) Provided to the user mobile phone 170.

If the home shopping payment request is not a payment program provided in the user's mobile phone 170, the home shopping payment target product unique information (or channel identification information) is received through a wireless page using a mobile phone or a home shopping server or IPTV / set top box through ARS. If so, the messaging-based home shopping payment system, the message transmission means for constructing a wireless message including a callback URL for providing a wireless page to the user mobile phone 170 to transmit to the user mobile phone 170 corresponding to the user mobile phone information And a page providing means 105 for providing a wireless page including the execution code to the user mobile phone 170 when the user mobile phone 170 is connected through the callback URL. If the payment program is not provided in the mobile phone 170, the payment program is provided to the user mobile phone 170. It is achieved by further comprising a program providing unit 120.

When home shopping payment target product unique information (or channel identification information) is received by a method other than the payment program provided in the user terminal 250, the message transmitting means 110 is home shopping payment target product unique information (or channel) And execution code for driving a payment program for outputting a purchase information selection interface corresponding to the identification information).

Here, the execution code is a code that is provided to the user mobile phone 170 and executed (or driven) through the wireless page, and may preferably include a script code or a program code.

When the user mobile phone 170 receiving the wireless message accesses the home shopping payment system through the callback URL, the page providing means 105 refers to the page management D / B and refers to the wireless page corresponding to the callback URL. Is provided to the user's mobile phone 170, and the execution code included in the wireless page is executed (or driven) to search whether the payment program is provided in the user's mobile phone 170.

If the user mobile phone 170 is not provided with the payment program, the execution code provides information to identify the platform of the user mobile phone 170 to the home shopping payment system, thereby providing the program providing means ( 120 provides a payment program that can be executed (or driven) on the platform of the user mobile phone 170 to the user mobile phone 170.

If the payment program is already provided in the user mobile phone 170 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 exemplary embodiment of the present invention, when the user mobile phone 170 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 search or download or drive the code. Providing the wireless page to 170 may be omitted.

That is, in FIG. 1, the configuration for searching and downloading or driving the payment program through the wireless page including the callback URL and the execution code is performed by messaging the payment program provided in the user's mobile phone 170. It is only one embodiment for driving through, and the search and download or driving of the payment program through the messaging is not limited to the combination of the wireless message including the callback URL and the wireless page including the execution code. .

Referring to FIG. 1, the messaging-based wireless payment system includes a payment request receiving unit 125 for receiving purchase information, including one or more items, quantities, and colors, input through the provided purchase information selection interface; Compose payment details including at least one purchase information, unique information (or channel identification information) for home shopping payments, and payment processing information that is dynamically configured for payment processing, including one or more payment deadlines, request numbers, and request dates. Payment history configuration means 130, Payment history transmission means 135 for transmitting the configured payment details to the user mobile phone 170, and the user payment means in the payment program provided in the user mobile phone 170 Select, and input and transmit payment means information, payment means authentication information, and user unique information corresponding to the user payment means, the user mobile phone. An information receiving means 100 for receiving payment information including payment means selection information, payment means information, payment means authentication information, and user-specific information from the 170, and a payment approval request text including the received payment information; A payment processing means 140 configured to request a payment institution corresponding to the user payment means, receive a payment approval result full text from the payment institution, and extract payment approval history information from the payment approval result full text; It is provided with a payment result providing means 145 provided to the mobile phone.

When the payment request information is received from the user mobile phone 170, the payment history configuration means 130 matches the purchase information included in the payment request information and the seller identification information included in the payment request information to the seller D One or more seller information (or seller information received in the payment request information) stored in / B, and a payment due date, a request number, and a request date that are dynamically configured in the home shopping payment system for payment processing for the purchase information. Configures the payment detail information including the payment processing information to be included.

When the payment program is driven in the user's mobile phone 170, the payment program requests payment detailed information to the home shopping payment system, and in response thereto, the payment history transmission means 135 is the payment history configuration means 130. The payment details configured by the transmission to the user mobile phone 170 corresponding to the user mobile phone information, and in response, the payment program receives and outputs the payment detailed information.

When the user's payment request is confirmed for the payment details, the payment program selects a payment method selection interface for selecting a user payment method, payment means information corresponding to the selected user payment method, payment means authentication information, and user uniqueness. Output payment information input interface for inputting information to input and process payment information including payment method selection information, payment method information, payment method authentication information, and user specific information, and transmits the payment information to the home shopping payment system.

The information receiving means 100 receives the payment information transmitted from the user's mobile phone 170, the payment processing means 140 configures a payment approval request message containing 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 user payment means, and receiving the full payment approval result including payment approval details from the payment institution.

When the payment approval result full text is received from the payment institution, the payment result providing means 145 extracts payment approval history information from the payment approval result full text and provides it to the user mobile phone 170.

In addition, the payment result providing means 145 provides the payment approval history information to the seller terminal or the home shopping server selling the target product paid.

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

In more detail, Figure 2 shows a user who wants to purchase a home shopping product provides various information (for example, user mobile phone information and purchase information) through a home shopping server, and the seller identification information and user mobile phone information and purchase from a home shopping server. When the payment request information including the information is received, the seller information corresponding to the purchase information and the seller identification information and the payment processing information dynamically configured for payment processing (for example, payment due date and request) through messaging through the user mobile phone information. Number, request date and time, etc.) to provide the user detailed information to the mobile phone 170 and outputs and to drive the payment program provided in the user mobile phone 170, the user selected through the payment program Payment result information corresponding to the payment method (for example, payment method selection information, payment method information, payment method) A system configuration for receiving payment information for authentication information, user's unique information, etc.), and a person of ordinary skill in the art to which the present invention pertains may refer to FIG. 2 and / or Modifications may be inferred for various implementation methods (e.g., implementation methods omitted, subdivided, or combined) of the messaging-based home shopping payment system configuration, but the present invention includes all the implementation methods inferred. The technical features are not limited only to the implementation method shown in FIG. 2. 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 home shopping payment system includes a payment request receiving unit 200 for receiving seller identification information, user mobile phone information, and purchase information from the home shopping server, and the purchase information, seller information, and payment processing. Payment history configuration means 220 for configuring payment details including one or more payment processing information dynamically configured for payment, including at least one payment deadline, request number, and request date and time, and a wireless page for the user mobile phone 170. When a message transmission means 205 for constructing a wireless message including a callback URL to provide to the user mobile phone information corresponding to the user's mobile phone information and the user's mobile phone 170 is connected through the callback URL A page providing means 210 for providing a wireless page including the execution code and payment details to the user mobile phone 170. Ratio, and if the user's mobile phone that is not included in the billing program 170, made by further comprising a program providing unit 215 to provide a billing program to the user's mobile phone (170).

In the method illustrated in FIG. 2, the payment detail information is provided to the user mobile phone 170 through a wireless page, and the payment program provided in the user mobile phone 170 selects a user payment means and selects the selected payment method. And a program code configuration for inputting payment means information, payment means authentication information, and user unique information corresponding to the user payment means and transmitting the same to the home shopping 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 detail 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 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 home shopping payment system selects a user payment method from a payment program provided in the user's mobile phone 170, and includes payment means information, payment means authentication information, and user corresponding to the user 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, user unique information from the user mobile phone 170, and the reception A payment processing means (235) for constructing a payment approval request message including the received payment information and requesting a payment to a payment institution corresponding to the user payment means, and receiving a payment approval result full text from the payment institution, and the payment approval result Payment result information is extracted from the full text of the payment results provided by the home shopping server and the user mobile phone 170 It is provided with a blank means (230).

3 is a block diagram of a messaging-based home shopping payment system according to a method 3-1 of the present invention.

In more detail, FIG. 3 illustrates a case in which the user mobile phone 170 on the messaging-based home shopping payment system shown in FIG. 1 is provided with a payment program 1 having the function configuration shown in FIG. If the user selects a third party payment method through the payment program 1 and does not select a user payment method, and inputs and transmits the payer mobile phone 350 information requesting the third party payment, the user As a system configuration for processing payment for payment request information received from the seller terminal through the payer mobile phone 350 instead of the mobile phone 170, a person having ordinary knowledge in the art to which the present invention pertains. If so, various implementation methods (e.g., some components are omitted or subdivided) for configuring the messaging-based home shopping payment system by referring to and / or modifying FIG. Would be able to infer or, or a 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 home shopping payment system includes an information receiving means for receiving a product-specific information (or channel identification information) input by a user by driving a payment program provided in the user terminal 250 ( 300, page providing means 305 for providing a purchase information selection interface corresponding to the received home shopping payment target product unique information (or channel identification information) to the user terminal 250.

If the home shopping payment request is not a payment program provided in the user's mobile phone 170, the home shopping payment target product unique information (or channel identification information) through a home page server or an IPTV / set-top box using a wireless page or an ARS phone. When received, the messaging-based home shopping payment system, constructing a wireless message including a callback URL for providing a wireless page to the user mobile phone 170 transmits a message to the user mobile phone 170 corresponding to the user mobile phone information. Means 310 and a page providing means 305 for providing a wireless page including the execution code to the user mobile phone 170 when the user mobile phone 170 is connected through the callback URL. If a payment program is not provided in the user mobile phone 170, the payment program is provided to the user mobile phone 170. It is achieved by further comprising a program providing means (315).

Referring to FIG. 3, the messaging-based home shopping payment system includes a payment request receiving unit 320 for receiving purchase information inputted through the provided purchase information selection interface, including one or more items, quantities, and colors. Compose payment details including at least one purchase information, unique information (or channel identification information) for home shopping payments, and payment processing information that is dynamically configured for payment processing, including one or more payment deadlines, request numbers, and request dates. The payment history configuration means 325 and the payment details transmitting means 330 for transmitting the configured payment details to the user mobile phone 170 is made.

Here, the payment program 1 outputs payment detailed information received from the home shopping payment system, selects a third party payment means instead of a user payment means, and requests the third party payments. Program code configuration for inputting information and transmitting the information to the home shopping payment system.

Referring to FIG. 3, the messaging-based home shopping payment system selects a third party payment means from a payment program 1 included in the user mobile phone 170, and requests a third party payment from the payer mobile phone ( If the information is input and transmitted, the information receiving means 300 for receiving the payer mobile phone 350 information is provided.

When the user 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 350 corresponding to the selected third party payment method. And outputs a third party payment request interface for inputting user information, and inputs and processes payment information on the mobile phone 350 corresponding to the third party and user information to the home shopping payment system, and the information receiving means 300. ) Receives the payer mobile phone 350 information.

When the payer mobile phone 350 information is received from the user mobile phone 170, the message transmitting means 310 constructs a wireless message including a callback URL for providing a wireless page to the payer mobile phone 350; The payer mobile phone 350 transmits the information to the payer mobile phone 350 corresponding to the information.

Here, the wireless message transmitted to the payer mobile phone 350 may further include user identification information that allows the payer to identify (or confirm) the user requesting the payment, and the user identification information is the user. It may include one or more mobile phone information, user ID, user name.

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

When the user identification information includes the user ID or the user name, the user ID or the user name may be included in the payer mobile phone 350 information transmitted from the user mobile phone 170 and received.

If the user is registered as a member of the home shopping payment system, the user ID or user name may be extracted from the member D / B (not shown) based on the user's mobile phone information. The user's mobile phone information and the user ID and the user's name are connected and stored.

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 350 ) 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 350, the payer mobile phone 350 accesses the callback URL, and the page providing means 305 includes the execution code. The wireless page is provided to the payer mobile phone 350.

According to another aspect of the present invention, the wireless page provided to the payer mobile phone 350 displays the payment detail information on the payer mobile phone 350 screen instead of the execution code, the payer mobile phone 350 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 the payment information input interface, the payer mobile phone 350 selects a payment method through 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 350 is fixed to 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 350, and the payer mobile phone 350 executes the execution code to search whether a payment program 2 is provided and the payment program 2. If it is not provided, the payment program (2) is downloaded from the server, and when the downloaded or pre-installed payment program (2) is driven, the payment history transmission means 330 is to send the payment details information to the payer mobile phone (350) Transmit to the payer mobile phone 350 corresponding to the information.

If the user identification information is not included in the wireless message provided to the payer mobile phone 350, the payment detail information provided to the payer mobile phone 350 identifies the user requesting the payment (or The identification information may further include user identification information, and the user identification information may include one or more of the user mobile phone information, a user ID, and a user name.

According to another exemplary embodiment of the present invention, the payer mobile phone 350 may not provide the user identification information, and the present invention is not limited thereto.

Referring to FIG. 3, the messaging-based home shopping payment system transmits payment means information, payment means authentication information, and user unique information corresponding to the payer payment means from the payer mobile phone 350 and transmits the payment. Information receiving means 300 for receiving payment information including payment means selection information, payment means information, payment means authentication information, and user-specific information from the mobile phone 350, and a payment approval request including the received payment information. A payment processing means 335 for constructing a full text and requesting payment to a payment institution corresponding to the payer payment means and 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 340 provided to the seller terminal, the payer mobile phone 350, and the user mobile phone 170. All.

The payment program 2 is driven in the payer mobile phone 350, selects a payer payment method through the payment program 2, payment means information, payment means authentication information corresponding to the payer payment means When transmitting payment information including one or more user unique information, the information receiving means 300 receives the payment information.

According to another aspect of the present invention, the payer mobile phone 350 selects a payer payment means through an interface included in the wireless page, and the payment means information, payment means authentication information, user corresponding to the payer payment means; When the payment information including at least one unique information is transmitted, the information receiving means 300 may receive the payment information.

According to another aspect of the present invention, when the payer mobile phone 350 connects an automatic answering server with a voice call channel through a callback number included in the wireless message and inputs and transmits the payment information, the information receiving means ( 300 may receive the payment information from the auto-response server.

Referring to FIG. 3, the messaging-based home shopping payment system includes a delivery person (or seller) who delivers or delivers the purchased item to the user when the user purchases a purchase item that requires delivery or delivery from the seller. Payment processing confirmation means 345 for receiving 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 350. 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 delivery person (or seller) has delivered or delivered the purchase product to the user, and is provided from the user to provide the delivery. After it is input through the user communication means (or seller communication means) may be transmitted to the payment processing confirmation means 345.

If the unique identification information is identification information set to enable the payer to confirm that the delivery person (or seller) has delivered or delivered the purchase item to the user, the payment processing confirmation means 345 is the unique identification information. Process to be delivered to the payer mobile phone 350. Here, the unique identification information is included in a wireless message transmitted from the message transmitting means 310 to the payer mobile phone 350, or provided by the page providing means 305 to the payer mobile phone 350. It may be included in or included in the payment details provided by the payment history transmission means 330 to the payer mobile phone 350.

Or when the unique identification information includes a preset password or an authentication code for authenticating that the delivery person (or seller) has delivered or delivered the purchase article to the user, the payment processing confirmation means 345 By authenticating the received unique identification information through a registered password or authentication code can be authenticated that the delivery (or seller) has delivered or delivered the purchase to the user, the delivery or delivery of the purchase When the message transmission means 310 transmits a wireless message to the payer mobile phone 350, or the page providing means 305 to transmit a wireless page, or payment details transmission means 330 Information can be sent.

According to another aspect of the present invention, the unique identification information is unique identification information assigned to the purchase goods or the payment details before delivery or delivery of the purchase goods, 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 user. Means) may be transmitted to the payment processing confirmation means 345.

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

The unique identification information transmitted to the delivery means (or seller communication means) is delivered to the payment processing confirmation means 345 through MO message-based wireless message delivery, or through a callback number included in the wireless message. A call connection with an automatic response server may be delivered to the payment processing confirmation means 345, or may be transferred to the payment processing confirmation means 345 by accessing a wireless page through a callback number included in the wireless message.

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

In more detail, FIG. 4 illustrates a case in which a user mobile phone 170 on the messaging-based home shopping payment system shown in FIG. 2 is provided with a payment program 1 having the function configuration shown in FIG. 13. If the user selects a third party payment means through the payment program (1) and selects a third party payment means, and inputs and transmits the information of the payer mobile phone 350 requesting the third party payment, the user mobile phone (170) Instead of showing the system configuration for processing the payment for the payment request information received from the home shopping server through the payer mobile phone 350, if one of ordinary skill in the art And various implementation methods (e.g., some components are omitted or subdivided) for configuring the messaging-based home shopping payment system by referring to and / or modifying the present invention. Would be able to infer or, or a 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 Figure 4, the messaging-based home shopping payment system, the payment request receiving means 400 for receiving the seller identification information, the user mobile phone information and purchase information from the home shopping server, the purchase information, seller information and payment processing Payment history configuration means 420 for configuring payment details including one or more payment processing information dynamically configured for payment, including one or more of a payment deadline, request number, and request date and time, and a wireless page for the user's mobile phone 170. When the message transmission means 405 for configuring a wireless message including a callback URL to provide to the user's mobile phone information corresponding to the user's mobile phone information and connected through the callback URL from the user's mobile phone 170 A page providing means 410 for providing a wireless page including the execution code and payment details to the user mobile phone 170. Ratio, and if the user's mobile phone that is not included in the billing program 170, made by further comprising a program providing unit 415 to provide a billing program to the user's mobile phone (170).

In the embodiment shown in FIG. 4, the payment detail information is provided to the user mobile phone 170 through a wireless page, and the payment program 1 provided in the user mobile phone 170 uses a third party payment means. And a program code configuration for inputting the payer mobile phone 350 information for requesting the third party payment and transmitting the information to the home shopping payment system.

Referring to FIG. 4, the messaging-based home shopping payment system selects a third party payment means from a payment program 1 included in the user's mobile phone 170, and requests a third party payment. If information is inputted and transmitted, the payment receiver mobile phone 350 is provided with information receiving means 425 for receiving information.

When the payer mobile phone 350 information is received from the user mobile phone 170, the message transmitting means 405 constructs a wireless message including a callback URL for providing a wireless page to the payer mobile phone 350. The payer mobile phone 350 transmits the information to the payer mobile phone 350 corresponding to the information.

Here, the wireless message transmitted to the payer mobile phone 350 may further include user identification information that allows the payer to identify (or confirm) the user requesting the payment, and the user identification information is the user. It may include one or more mobile phone information, user ID, user 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 response server (not shown in FIG. 4) instead of the callback URL, in which case the payer mobile phone ( 350 is connected to the automatic answering server and the voice call channel through the callback number, and the payment means information corresponding to the payer payment means using the payment means selection voicement and payment information input voicement provided by the automatic answering server; Payment information, including payment means authentication information, payment unique information can be input by sending.

After the wireless message including the callback URL is provided to the payer mobile phone 350, the payer mobile phone 350 accesses the callback URL. The page providing means 410 provides the execution code and payment details. A wireless page including information is provided to the payer mobile phone 350.

If the user identification information is not included in the wireless message provided to the payer mobile phone 350, the payment detail information included in the wireless page and provided to the payer mobile phone 350 may be used by the payer to request the payment. The apparatus may further include user identification information for identifying (or verifying) a user, and the user identification information may include one or more of the user mobile phone information, a user ID, and a user name.

According to another embodiment of the present invention, it is not necessary to provide the user identification information to the payer mobile phone 350, whereby the present invention is not limited.

According to another aspect of the present invention, the wireless page provided to the payer mobile phone 350 includes the payment details, but instead of the execution code, the payer payment means (for example, card) in the payer mobile phone 350 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 the payment information input interface, the payer mobile phone 350 selects a payment method through 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 350 is fixed to one, the payment means selection interface may be omitted, and the present invention is not limited thereto.

Referring to Figure 4, the messaging-based home shopping payment system, if the payment method information, payment means authentication information, the user's unique information corresponding to the payer payment means transmitted from the payer mobile phone 350, the payment Information receiving means 425 for receiving payment information including payment means selection information, payment means information, payment means authentication information, and user's unique information from the mobile phone 350, 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 a payment result providing means 430 provided to the home shopping server and the payer mobile phone 350 and the user mobile phone 170. .

The payment program 2 is driven in the payer mobile phone 350, selects a payer payment method through the payment program 2, payment means information, payment means authentication information corresponding to the payer payment means When transmitting payment information including one or more user specific information, the information receiving means 425 receives the payment information.

According to another aspect of the present invention, the payer mobile phone 350 selects a payer payment means through an interface included in the wireless page, and the payment means information, payment means authentication information, user 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 350 connects an automatic answering server with a voice call channel through a callback number included in the wireless message and inputs and transmits 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 home shopping payment system includes a delivery person (or seller) who delivers or delivers the purchased item to the user when the user 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 350. 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 delivery person (or seller) has delivered or delivered the purchase product to the user, and is provided from the user to provide After input through a delivery unit communication means (or seller communication means) may be transmitted to the payment processing confirmation means 440.

If the unique identification information is identification information set to enable the payer to confirm that the delivery person (or seller) has delivered or delivered the purchase item to the user, the payment processing confirmation means 440 is the unique identification information. Process to be delivered to the payer mobile phone 350. Here, the unique identification information is included in a wireless message transmitted from the message transmitting means 405 to the payer mobile phone 350, or provided by the page providing means 410 to the payer mobile phone 350. Can be included.

Or when the unique identification information includes a preset password or an authentication code for authenticating that the delivery person (or seller) has delivered or delivered the purchase item to the user, the payment processing confirmation means 440 may include By authenticating the received unique identification information through a registered password or authentication code can be authenticated that the delivery (or seller) has delivered or delivered the purchase to the user, the delivery or delivery of the purchase In this case, the message transmission means 405 may transmit a wireless message to the payer mobile phone 350, or the page providing step 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 goods or the payment details before delivery or delivery of the purchase goods, 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 user. 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 block diagram illustrating a messaging-based home shopping payment system according to a fourth embodiment of the present invention.

In more detail, FIG. 5 illustrates a biller for a wireless message including a callback URL in the user mobile phone 170 when a payment program is not provided in the user mobile phone 170 on the messaging-based home shopping payment system shown in FIG. When delivered to the mobile phone 350, the payer mobile phone 350 receives a wireless page including the payment request information through the callback URL on behalf of the user mobile phone 170 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 home shopping payment system configuration (e.g., some components are omitted or 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. 5, the messaging-based home shopping payment system includes a payment request receiving unit 500 for receiving seller identification information, user mobile phone information, and purchase information from a home shopping server, and for the purchase information, seller information, and payment processing. A user configured by configuring a wireless message including a payment history configuration means 520 for configuring payment history information including one or more of dynamically configured payment processing information, and a callback URL for providing a wireless page to the user mobile phone 170; It comprises a message transmitting means 505 for transmitting to the user mobile phone 170 corresponding to the mobile phone information.

The message transmitting means 505 is capable of transferring the wireless message from the user mobile phone 170 to any payer mobile phone 350 designated by the user, and included in the wireless message from the payer mobile phone 350. The mobile page may be configured to receive the wireless page through the received callback URL, and may be transmitted to the user mobile phone 170. The user mobile phone 170 may transmit the received wireless message to a user of any payer mobile phone 350. Can be delivered as

If the user mobile phone 170 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 350 through the wireless message delivery, The message transmitting means 505 may transmit a wireless message including the callback URL to the user mobile phone 170 corresponding to the user mobile phone information, and the user mobile phone 170 may configure the structure of the received wireless message. It may be changed, or may be transferred to any payer mobile phone 350 designated by the user as it is.

Alternatively, when the message transmission means 505 transmits a wireless message including a callback URL corresponding to a wireless page for inputting payer mobile phone 350 information to the user mobile phone 170, the user mobile phone 170. Is connected via the callback URL to input the payer mobile phone 350 information, and in response, the message transmitting means 505 may construct and transmit a wireless message including the callback URL to the payer mobile phone 350. have.

Referring to FIG. 5, the messaging-based home shopping payment system transmits a wireless message including the callback URL from the user mobile phone 170 to an arbitrary payer mobile phone 350 designated by the user, and the payer mobile phone ( When the callback URL is accessed through the callback URL 350, a page providing means 510 for constructing a wireless page including executable code executable by the payer mobile phone 350 and payment history information is provided to the payer mobile phone 350. And a payment program is provided on the payer mobile phone 350, the program providing means 515 is provided to provide a payment program to the payer mobile phone 350.

When the wireless message including the callback URL is transmitted to the user mobile phone 170, the page providing means 510 regards the mobile phone connected through the callback URL as the payer mobile phone 350 and the payer mobile phone ( 350 is set to configure and provide a wireless page containing the executable code and payment history information executable in the payer mobile phone (350).

If the user identification information is not included in the wireless message provided to the payer mobile phone 350, the payment history information included in the wireless page and provided to the payer mobile phone 350 may be used by the payer to request the payment. The apparatus may further include user identification information for identifying (or verifying) a user, and the user identification information may include one or more of the user mobile phone information, a user ID, and a user name.

Referring to FIG. 5, when the messaging-based home shopping payment system inputs and transmits payment means information, payment means authentication information, and user unique information corresponding to the payer payment means from the payer mobile phone 350, the payment is made. Information receiving means 525 for receiving payment information including payment means selection information, payment means information, payment means authentication information, and user-specific information from the mobile phone 350, and a 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 a payment result providing means 530 provided to the home shopping server and the payer mobile phone 350 and the user mobile phone 170. .

Referring to FIG. 5, the messaging-based home shopping payment system includes a delivery person (or seller) who delivers or delivers the purchased item to the user when the user purchases a purchase item that requires delivery or delivery from the seller. Payment processing confirmation means 540 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 350. It may be further provided with.

6 is a diagram showing the configuration of a messaging-based home shopping payment system according to the method 3-2 of the present invention.

In more detail, in Figure 6, when the payment history information is configured based on the payment request information received from the home shopping server in the messaging-based home shopping payment system shown in Figure 1, by assigning a unique payment identification code to the payment history information When provided to the user mobile phone 170, and the payment identification code is received from a predetermined mobile phone, the mobile phone that transmits the payment identification code is regarded as a payer mobile phone 350 is provided in the payer mobile phone 350 The system configuration for processing the payment corresponding to the payment history after outputting the payment history information through a payment program, which is a person having ordinary knowledge in the technical field to which the present invention belongs, see FIG. And / or modified to implement various methods of configuring the messaging-based home shopping payment system (e.g., some components are omitted) , Or would be able to infer the granular or, or combined embodiment method), the present invention is made, including any exemplary way in which the inference, to which the the technical features are not limited to the exemplary method shown in the figure 6.

Referring to FIG. 6, the messaging-based home shopping payment system includes a payment request receiving unit 640 for receiving seller identification information, user mobile phone information and purchase information, including purchase price and product information, from the home shopping server. , Payment history information including one or more of the purchase information, seller 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. Payment history configuration means 645 to configure, identification code assignment means for assigning a payment identification code unique to the payment history information 605, identification for providing the assigned payment identification code to the user mobile phone 170 Code providing means 610 is provided.

When the payment history information is configured by the payment history configuration means 645 based on the payment request information received by the payment request receiving means 640, the identification code assignment means 605 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 user's mobile phone information may be used as the payment identification code, or the user's designated payer mobile phone 350 information (for example, may be included in the payment request information from the home shopping server) may be used as the payment identification code.

Alternatively, a virtual phone number uniquely assigned 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 350. After the call is terminated, a wireless message including a callback URL may be provided to the payer mobile phone 350.

When the payment identification code is assigned to the payment history information, the identification code providing means 610 provides the assigned payment identification code to the user mobile phone 170.

According to one embodiment of the invention, the identification code providing means 610 may provide the payment identification code to the user mobile phone 170 via a wireless message.

Here, the payment identification code may be included in the message content of the wireless message and provided to the user mobile phone 170.

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 user mobile phone 170, the wireless message is the payer mobile phone 350 ) Can be delivered. If the payer mobile phone 350 attempts to connect to the virtual phone number, a wireless message including a callback URL may be provided to the payer mobile phone 350 after the call connection ends.

According to another exemplary embodiment of the present invention, the identification code providing means 610 may provide the payment identification code to the user mobile phone 170 through a voicement after a call connection with the user mobile phone 170.

Referring to FIG. 6, when the messaging-based home shopping payment system provides a payment identification code provided to the user mobile phone 170 from a predetermined mobile phone, the mobile phone providing the payment identification code is identified by the payer mobile phone 350. (Or approving) a message transmitting means for constructing a wireless mobile phone including a call back confirmation means 615 and a callback URL for providing a wireless page to the payer mobile phone 350 and transmitting it to the payer mobile phone 350. 625 is provided.

Referring to FIG. 6, when the messaging-based home shopping payment system is accessed through the callback URL from the payer mobile phone 350, a wireless page including executable code executable by the payer mobile phone 350 may be configured. A program providing a page providing means 620 provided to the payer mobile phone 350 and providing a payment program to the payer mobile phone 350 when the payment program is not provided on the payer mobile phone 350. It further comprises a providing means (635).

When the wireless message including the callback URL is transmitted to the user mobile phone 170, the page providing means 620 regards the mobile phone connected through the callback URL as the payer mobile phone 350 and the payer mobile phone ( 350, a wireless page including executable code executable in the payer mobile phone 350 is configured to be provided.

According to another aspect of the present invention, the wireless page provided to the payer mobile phone 350 displays the payment history information on the payer mobile phone 350 screen instead of the execution code, the payer mobile phone 350 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. 6, the messaging-based home shopping payment system executes the execution code on the payer mobile phone 350 to search whether a payment program is provided, and if the payment program is not provided, the payment program from the server. When the downloaded, downloaded or driven payment program is provided, the payment history transmission means 650 for transmitting the configured payment history information to the payer mobile phone 350 corresponding to the payer mobile phone 350 information; It is done by

Referring to FIG. 6, when the messaging-based home shopping payment system inputs and transmits payment means information, payment means authentication information, and user unique information corresponding to the payer payment means from the payer mobile phone 350, the payment is made. Information receiving means 600 for receiving payment information including payment means selection information, payment means information, payment means authentication information, and user-specific information from the mobile phone 350, and a payment approval request including the received payment information. A payment processing means 655 for constructing a full text and requesting a payment to a payment institution corresponding to the payer payment method, 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 660 provided to the home shopping server and the payer mobile phone 350 and the user mobile phone 170. .

Referring to FIG. 6, the messaging-based home shopping payment system includes a delivery person (or seller) who delivers or delivers the purchased item to the user when the user purchases a purchase item that requires delivery or delivery from the seller. Receiving preset unique identification information from the bearer communication means (or seller communication means), the payment processing confirmation means for processing or authenticating the received unique identification information to the payer mobile phone 350 or authenticated (665) ) May be further provided.

7 is a diagram illustrating a messaging-based home shopping payment system configuration according to the fourth embodiment of the present invention.

In more detail, in FIG. 7, when the payment history information is configured based on the payment request information received from the home shopping server in the messaging-based home shopping payment system shown in FIG. 1, the payment history information is assigned to the payment history information. When provided to the user mobile phone 170 and the payment identification code is received from a predetermined mobile phone, the mobile phone that transmits the payment identification code is regarded as a payer mobile phone 350 and the payment to the payer mobile phone 350 A system configuration is provided for providing a wireless page including payment history information corresponding to an identification code and processing a payment corresponding to the payment history information through a payment program provided in the payer mobile phone 350. Those skilled in the art to which the invention pertains may refer to and / or modify this drawing to modify the messaging. While various implementation methods (eg, some components may be omitted, subdivided, or combined) for the construction of the home shopping payment system may be inferred, the present invention includes all the implementation methods inferred above, The technical features are not limited only to the implementation method shown in FIG.

Referring to FIG. 7, the messaging-based home shopping payment system includes a payment request receiving means 700 for receiving seller identification information, user mobile phone information, and purchase information from a home shopping server, and for the purchase information, seller information, and payment processing. Payment history configuration means 735 for configuring payment history information including one or more of dynamically configured payment processing information, identification code assignment means 705 for assigning a payment identification code unique to the payment history information, and the assignment; It is provided with an identification code providing means 710 for providing the payment identification code to the user mobile phone (170).

Referring to FIG. 7, when the messaging-based home shopping payment system provides a payment identification code provided to the user mobile phone 170 from a predetermined mobile phone, the mobile phone providing the payment identification code is confirmed by the payer mobile phone 350. (Or approving) a message transmitting means for constructing a wireless message including a payment mobile phone checking means 715 and a callback URL for providing a wireless page to the payer mobile phone 350 and transmitting it to the payer mobile phone 350. And 720.

Referring to FIG. 7, the messaging-based home shopping payment system is wireless, including execution code and payment history information executable by the payer mobile phone 350 when the payer mobile phone 350 accesses the callback URL. Comprising a page providing means for providing the page to the payer mobile phone 350, 725, If the payment program is not provided in the payer mobile phone 350, the payer mobile phone 350 It further comprises a program providing means 730 for providing a program.

When the wireless message including the callback URL is transmitted to the user mobile phone 170, the page providing means 725 regards the mobile phone connected through the callback URL as the payer mobile phone 350 and the payer mobile phone ( 350 is set to configure and provide a wireless page containing the executable code and payment history information executable in the payer mobile phone (350).

If the user identification information is not included in the wireless message provided to the payer mobile phone 350, the payment history information included in the wireless page and provided to the payer mobile phone 350 may be used by the payer to request the payment. The apparatus may further include user identification information for identifying (or verifying) a user, and the user identification information may include one or more of the user mobile phone information, a user ID, and a user name.

Referring to FIG. 7, the messaging-based home shopping payment system transmits payment means information, payment means authentication information, and user unique information corresponding to the payer payment means from the payer mobile phone 350, and transmits the payment. Information receiving means 740 for receiving payment information including payment means selection information, payment means information, payment means authentication information, and user's unique information from the mobile phone 350, 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 745 provided to the home shopping server and the payer mobile phone 350 and the user mobile phone 170. All.

Referring to FIG. 7, the messaging-based home shopping payment system includes a delivery person (or seller) who delivers or delivers the purchased item to the user when the user purchases a purchase item that requires delivery or delivery from the seller. Payment processing confirmation means 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 350 (755) It may be further provided with.

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

In more detail, FIG. 8 illustrates a payment program structure provided in the user mobile phone 170 illustrated in FIG. 1, FIG. 2, or FIG. 5, and a payment program provided in the user mobile phone 170 illustrated in FIG. 3 or FIG. 4. As shown in FIG. 3 to FIG. 7, a payment program configuration included in the payer mobile phone 350 illustrated in FIG. 3 to FIG. 7 is provided. The user mobile phone 170 or the payer mobile phone 350 is connected to the mobile communication network through FIGS. Wireless communication means 860 for connecting wireless communication with the messaging-based wireless payment system shown in FIG. 7 and screen output means 850 for outputting various interface screens for the messaging-based wireless payment, which are intended by those skilled in the art. According to the payment means may be further provided with a recording medium 855 having a one-time password generation program.

According to another aspect of the present invention, the user mobile phone 170 or the payer mobile phone 350 in some of the wireless payment system of the embodiment shown in Figures 1 to 7 does not have a payment program shown in FIG. In this case, the user mobile phone 170 or the payer mobile phone 350 may provide a 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 user mobile phone 170 or the payer mobile phone 350 by the execution code provided in the wireless page provided to the user mobile phone 170 or payer mobile phone 350 It is recorded on the recording medium 855 and executed (or driven) by the execution code and loaded into the execution memory area on the mobile phone platform.

Referring to FIG. 8, the payment program loaded into the mobile phone platform may include a communication channel connection unit 800 connecting a wireless communication channel with the wireless payment system illustrated in FIGS. 1 through 7 through the wireless communication means 860. And payment history receiving unit 805 for receiving payment history information including one or more payment information is dynamically configured for the purchase information, seller information and payment processing from the wireless payment system through the communication channel, and the received And a payment history output unit 810 for outputting payment history information through the screen output means 850 according to a predetermined format, and the payment history information is transmitted through a wireless page as shown in FIG. 2 or 4. When received and output, the payment history receiver 805 and the payment history output unit 810 may be omitted.

The screen for outputting the payment history information includes an interface for checking a user's payment request for the payment history information, and one or more interface screens for processing the wireless payment are sequentially output by the user's payment request confirmation. do.

Referring to FIG. 8, when a payment corresponding to the payment details is processed through a user payment means as shown in FIG. 1, FIG. 2, or FIG. 5, the payment program is a product sold at the home shopping of the user. A purchase information selection interface for inputting home shopping payment target product unique information (or channel identification information), and selecting a user payment means-a card payment means or an account payment means-by confirming the payment request of the user. A payment unit selection interface and an interface output unit 815 for outputting a payment information input interface for inputting payment information including payment means information, payment means authentication information, and user-specific information corresponding to the user payment means; In accordance with the intention of the skilled person, the payment means selection interface is shown in FIG. As shown, the interface may further include a third party payment method.

The purchase information selection interface may include an interface for inputting or selecting one or more items, quantities, and colors corresponding to a product to be purchased by the user, and the information input through the purchase information selection interface may include an information input unit 870. Input via

Here, the purchase information input through the purchase information selection interface through the information input unit 870 may be input through a key button or a touch screen provided in the user's mobile phone.

The payment means selection interface includes an interface for selecting any one of the user'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, user specific information corresponding to the user payment means.

The payment means information may include card information corresponding to the user payment means, card information including at least one of a CVC and an expiration date, or may include account information including at least one account number and a bank code.

The payment means authentication information includes a payment means password (for example, card password, account password) corresponding to each user payment means, according to the intention of the skilled person transaction transaction (for example, account transfer password) or one-time password (One Time Password) ; OTP). Herein, the payment means password and the transaction password are passwords stored by the user, while the disposable password is dynamically generated through a one-time password generation program for each user payment means provided in the recording medium 855.

The user unique information is unique information for identifying and authenticating the user, and includes the user's resident registration number (or 7 digits after the resident registration number), and can uniquely identify the user such as 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. 8, when a payment corresponding to the payment details is processed through a payment means of a user designated by the user as shown in FIG. 3 or FIG. 8, the payment program provided in the user mobile phone 170. Is a payment means selection interface for selecting a third party payment means according to the user's payment request confirmation, a third party for inputting the payer mobile phone 350 information and user information corresponding to the selected third party payment means; The payment program is provided with an interface output unit 815 for outputting a payment request interface, and the payment program provided in the payer mobile phone 350 includes a payment method for payment by a payer-a card payment means or an account payment by confirming the payment request of the payer. Payment means selection interface for selecting a means, payment means information, payment means authentication information, payment means unique to the payer payment means And an interface output unit 815 for outputting a payment information input interface for inputting payment information including a beam. The payment method selection interface may include an interface for selecting a user / payer payment method according to the intention of a person skilled in the art. It may include all interfaces for selecting a third party payment method.

The payment means selection interface output through the payment program provided in the user's mobile phone 170 includes an interface for selecting a third party payment means for requesting a third party designated by the user to process payment for the payment details. The third party payment request interface is an interface for inputting information on a payer mobile phone 350 corresponding to a third party designated by the user and user information for informing the payer of who the user requests for the payment. When the user mobile phone information is used as the user information, an interface for inputting the user 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 350 may be set only as the payer of the payment method, and through the payment program provided in the user mobile phone 170. It is the same as the payment method selection interface and payment information input interface that is output.

Referring to FIG. 8, a user payment means or a payer payment means is selected by the payment means selection interface, and payment means information and payment means authentication information corresponding to the user payment means or the payer payment means in the payment information input interface. When the user specific information is input, the payment program may include payment means selection information corresponding to the user payment means or the payment means and payment information including the payment means information, payment means authentication information, and user unique information. And an information transmitter 845 for transmitting the configured payment information to the wireless payment system through the wireless communication means 860.

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. 8, when a third party payment means is selected by the payment means selection interface, and the payer mobile phone 350 information and the user information (optional) are input through the third party payment request interface, The payment program may include an information configuration unit 840 constituting third party payment request information including the payer mobile phone 350 information and the user information, and the configured third party payment request information through the wireless communication means ( And an information transmitter 845 for transmitting to the wireless payment system through 860.

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. 8, when the payment means authentication information includes a disposable password for each payment means, the payment program generates a one-time password generation program for each payment means selected through the payment means selection interface on the recording medium 855. It is provided with an OTP confirmation unit 825 for checking whether the payment means, if the one-time password generation program for each payment means is confirmed, the interface output unit 815 is the payment means to the output information input interface An interface (1) for inputting a password for generating a one-time password through a one-time password generation program, an interface (2) for requesting the one-time password generation through the one-time password generation program for each payment means, and the payment means One-time password generated by the one-time password generation program Outputs include the interface (3) to automatically enter a number.

According to another exemplary embodiment of the present invention, the interface output unit 815 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 815 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 The one-time password displayed on the interface may be keyed through the interface 4 included in the payment information input interface.

Referring to FIG. 8, when a one-time password generation for each payment method is requested through the interface 2 in the payment information input interface output including the interface 1, the interface 2, and the interface 3, The payment program may include an OTP driver 830 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 835 for processing to generate a one-time password by transmitting to each one-time password generation program, and the one-time password generation program for each payment means, obtain the generated one-time password and the interface (3). OTP input unit 820 for automatic input processing The.

When the OTP driver 830 is requested to generate a one-time password for each payment method through the payment information input interface, the payment is made through a one-time password generation program driving command for each payment means for driving the one-time password generation program corresponding to the payment method. The one-time password generation program for each means 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 830 may not interrupt the authority for the screen output means 850 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 835 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 a one-time password is generated through the one-time password generation program for each payment means, the OTP input unit 820 acquires the generated one-time password through the inter-process communication supported by the mobile phone platform and automatically inputs it to 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.

Referring to FIG. 8, the payment program outputs a payment means selection interface in association with the interface providing unit, and when a payment means is selected through the payment means selection interface, payment means information corresponding to the selected payment means, Outputs a payment information input interface for inputting payment information including at least one of payment method authentication information and user-specific information, and transmits the payment information to a payment server when payment information is input through the payment information input interface; The processing part 875 is provided.

FIG. 9 is a diagram illustrating a process of transmitting a payment history by driving a payment program to a user mobile phone 170 through wireless messaging according to the first or third embodiment of the present invention.

Referring to FIG. 9, a product specific information (or channel identification information) about a product to be paid for home shopping is input by driving a payment program provided in the user mobile phone 170 in the user mobile phone 170 (900). The purchase information selection interface corresponding to the product unique information (or channel identification information) for the home shopping payment target product is output (905).

In this case, the purchase information selection interface may be outputted by the user mobile phone 170 equipped with a payment program or received from a server.

When the purchase information is input (or selected) through the purchase information selection interface output from the user mobile phone 170 (910), and the input (or selected) purchase information is transmitted to the server, the server responds to the user mobile phone. Receiving the home shopping payment target product unique information (or channel identification information), the user's mobile phone information and the purchase information from the 170, the seller information corresponding to the received home shopping payment target product unique information (or channel identification information) A payment history including confirmation and purchase information and payment processing information is configured (920), and the configured payment history information is transmitted to the user mobile phone 170 via a communication channel (925).

FIG. 10 illustrates a process of transmitting a payment history by driving a payment program to a user mobile phone 170 through wireless messaging according to the second or fourth embodiment of the present invention.

Referring to FIG. 10, when seller identification information, user mobile phone information, and purchase information are received from the home shopping server (1000), the server corresponding to the wireless payment system shown in FIG. 2 or FIG. Configure a payment history including payment processing information (1005), transmit a wireless message including a callback URL to the user mobile phone 170 corresponding to the user mobile phone information (1010), and the user mobile phone 170 The wireless page is accessed using the callback URL (1015).

When the user mobile phone 170 accesses the wireless page, the server searches for a payment program to the user mobile phone 170, and if it is not retrieved, the execution code for executing the downloaded or provided payment program and Providing a wireless page including the configured payment history information (1020), in response to the user mobile phone 170 outputs the payment history information through the wireless page, and the user's payment request for the payment history Check (1025).

If the payment request is confirmed by the user (1030), the user mobile phone 170 searches for a payment program provided in the user mobile phone 170 through the execution code included in the wireless page (1035).

If the payment program is not found (1040), the user mobile phone 170 downloads the payment program corresponding to the mobile phone platform (1045), if the payment program is searched (1040), or downloaded (1045), The payment program is driven (1050).

Figure 11 outputs payment details, selects a payment method, and inputs payment information corresponding to the payment method in the payment program provided in the user's mobile phone 170 according to the method of the first to fourth embodiments of the present invention. A diagram illustrating a process of transmitting.

Referring to FIG. 11, the payment program included in the user mobile phone 170 receives and outputs payment details information from a server corresponding to the wireless payment system of FIGS. 1 to 4 through a communication channel (1100). In operation 1105, the user requests a payment request for the output payment detail information.

If the user's payment request for the payment details is confirmed (1110), the payment program outputs a payment method selection interface to determine whether the user payment method is selected (1115).

If a user payment method is selected through the payment method selection interface (1120), the payment program outputs a payment information input interface corresponding to the selected payment method (1125), and the user payment through the payment information input interface. Check whether the payment means information, payment means authentication information, user specific information corresponding to the means is input (1130), if the payment means information, payment means authentication information, user specific information is input (1135), the selected user payment After configuring payment means selection information corresponding to the means, payment information including the payment means information, payment means authentication information, user specific information (1140), and transmits the payment information through the communication channel (1145).

According to another aspect of the present invention, the user mobile phone 170 inputs payment information by outputting a payment method selection interface or payment information input interface through a wireless page without using the payment program, or through an automatic response server. It is possible to input payment information based on a payment method selection voice comment or payment information input voice comment.

12 is a third party payment means selected from the payment program provided in the user's mobile phone 170 according to the method 3-1 or 4-1 of the present invention to transmit the payer mobile phone 350 information and the user information. A diagram illustrating a process of doing so.

In more detail, FIG. 12 illustrates a payment request to a payer corresponding to the third party when a third party payment method is selected in the payment method selection interface of the payment program provided in the user's mobile phone 170. Referring to FIG. For the process of inputting the payer mobile phone 350 information and the user information for transmission.

Referring to FIG. 12, if a user payment method is not selected in the payment method selection interface output to the user's mobile phone 170 through FIG. 11, the payment program checks whether a third party payment method is selected (1200).

If a third party payment means is selected through the payment means selection interface (1205), the payment program outputs a third party payment request interface, and provides information on the payer mobile phone 350 for the third party payment request. Check whether user information is input (1210).

If the payer mobile phone 350 information and the user information are input through the third party payment request interface (1215), the payment program transmits the payer mobile phone 350 information and the user information through the communication channel. (1220).

FIG. 13 is a diagram illustrating a process of delivering a wireless message including a callback URL to a payer mobile phone 350 according to the method 3-2 or 4-2 of the present invention.

Referring to FIG. 13, when the seller identification information, the user mobile phone information, and the purchase information are received from the home shopping server (1300), the server corresponding to the wireless payment system shown in FIG. 5 provides the purchase information, the seller information, and the payment processing information. Configure a billing history including a (1305), including the callback URL, configure a wireless message that can be delivered from the user's mobile phone 170 to the payer's mobile phone (350) (1310), the user configured the wireless message The mobile phone 170 transmits the signal to the mobile phone 170 (1315).

The user mobile phone 170 directly transfers the received wireless message to the payer mobile phone 350 or provides the payer mobile phone 350 information to the server to the payer mobile phone 350 from the server. Process for relay transmission of the wireless message (1320).

FIG. 14 is a diagram illustrating a process of transmitting a wireless message including a callback URL to a payer mobile phone 350 according to the method 3-2 or 4-3 of the present invention.

Referring to FIG. 14, when seller identification information, user mobile phone information, and purchase information are received from a seller terminal (1400), a server corresponding to the wireless payment system illustrated in FIG. 6 or 7 may provide the purchase information and seller information. A payment history including payment processing information is configured (1405), and a unique payment identification code is assigned to the payment history information (1410).

If the payment identification code is assigned to the payment history information (1410), the server provides the payment identification code to the user mobile phone 170 (1415), the user mobile phone 170 the user the payment identification code Provided to the designated payer mobile phone 350 (1420).

The payer mobile phone 350 provides the payment identification code provided from the user mobile phone 170 to the server (1425), and the server confirms the mobile phone that transmitted the payment identification code to the payer mobile phone 350. (Or approve) (1430), and transmits a wireless message including the callback URL to the confirmed (or approved) mobile phone 350 (1430).

FIG. 15 is a diagram illustrating a process of transmitting a payment history by driving a payment program to a payer mobile phone 350 through wireless messaging according to the embodiment 3-1, 2 of the present invention.

In more detail, FIG. 15 drives a payment program on a payer mobile phone 350 corresponding to the payer mobile phone 350 information through wireless messaging in the wireless payment system shown in FIG. It shows a process of transmitting the payment history to the payment program.

Referring to FIG. 15, the server corresponding to the wireless payment system illustrated in FIG. 3 or 6 transmits a wireless message including a callback URL to the payer mobile phone 350 corresponding to the payer mobile phone 350 information. The payer mobile phone 350 accesses the wireless page using the callback URL (1505).

According to another aspect of the present invention, the server further transmits to the payer mobile phone 350 the purchaser identification information in the wireless message or transmits the unique identification information received from the delivery means (or seller communication means) It is possible to transmit further including.

When the payer mobile phone 350 accesses the wireless page, the server searches for the payment program to the payer mobile phone 350, downloads the file if it is not found, and executes the downloaded or provided payment program. A wireless page including a code is provided (1510), and in response thereto, the payer mobile phone 350 searches for a payment program provided in the payer mobile phone 350 through the execution code included in the wireless page (1515). ).

According to another aspect of the present invention, the server further transmits to the payer mobile phone 350 the purchaser identification information on the wireless page, or unique identification information received from a delivery unit communication means (or seller communication means) It is possible to transmit further including.

If the payment program is not found (1520), the payer mobile phone 350 downloads the payment program corresponding to the mobile phone platform (1525), if the payment program is searched (1520), or downloaded (1525) In operation 1530, the payment program connects the communication channel with the server by transmitting the payment program to the payer mobile phone 350 through the communication channel.

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. 16 is a diagram illustrating a process of transmitting a payment history by driving a payment program to a payer mobile phone 350 through wireless messaging according to embodiments 4-1, 2, and 3 of the present invention.

In more detail, FIG. 16 transmits payment details to the payer mobile phone 350 corresponding to the payer mobile phone 350 information through wireless messaging in the wireless payment system shown in FIG. 4 or 5 or 7. It shows the process of running the payment program after the output.

Referring to FIG. 16, a server corresponding to the wireless payment system illustrated in FIG. 4, 5, or 7 includes a callback URL to a payer mobile phone 350 corresponding to the payer mobile phone 350 information. Sending a message (1600), the payer mobile phone 350 accesses a wireless page using the callback URL (1605).

According to another aspect of the present invention, the server further transmits to the payer mobile phone 350 the purchaser identification information in the wireless message or transmits the unique identification information received from the delivery means (or seller communication means) It is possible to transmit further including.

When the payer mobile phone 350 accesses the wireless page, the server searches for the payment program to the payer mobile phone 350, downloads the file if it is not found, and executes the downloaded or provided payment program. A wireless page including a code and payment history information is provided (1610), and in response thereto, the payer mobile phone 350 outputs the payment history information through the wireless page, and a payment requester for the payment history. Check (1615).

According to another aspect of the present invention, the server further transmits to the payer mobile phone 350 the purchaser identification information on the wireless page, or unique identification information received from a delivery unit communication means (or seller communication means) It is possible to transmit further including.

If the payment request is confirmed by the payer (1620), the payer mobile phone 350 searches for a payment program provided in the payer mobile phone 350 through the execution code included in the wireless page (1625) ).

If the payment program is not found (1630), the payer mobile phone 350 downloads the payment program corresponding to the mobile phone platform (1635), if the payment program is searched (1630), or downloaded (1635) In operation 1640, the payment program is driven.

FIG. 17 outputs payment details, selects a payment method, and inputs payment information corresponding to a payment method in a payment program provided in the payer mobile phone 350 according to the third or fourth embodiment of the present invention. A diagram illustrating a process of doing so.

Referring to FIG. 17, when payment history information is transmitted from the server corresponding to the wireless payment system shown in FIG. 3 or 5 or 7 to the payer mobile phone 350 through the process illustrated in FIG. The payment program provided in the payer mobile phone 350 receives and outputs payment details information from the server through a communication channel (1700), and checks the payment requester for the output payment details (1705).

If the payment request of the payer for the payment history information is confirmed (1710), or the payment program is driven after outputting the payment history through the process shown in Figure 16, the payment program outputs a payment method selection interface It is checked whether the payer payment method is selected (1715).

If a payer payment method is selected through the payment method selection interface (1720), the payment program outputs a payment information input interface corresponding to the selected payment method (1725), and the payment is made through the payment information input interface. If the payment means information, payment means authentication information, the unique payment information unique information corresponding to the payment means is input (1730), and if the payment means information, payment means authentication information, unique information unique to the payer (1735), 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 unique information (1740), the payment information through the communication channel Transmit (1745).

According to another aspect of the present invention, the payer mobile phone 350 inputs payment information by outputting a payment method selection interface or a payment information input interface through a wireless page without using the payment program, or using an automatic response server. It is possible to input the payment information based on the payment method selection voice comment or payment information input voice comment through.

18 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 user mobile phone 170 or the payer mobile phone 350 through the process illustrated in FIG. 11 or 17 (1800), the server approves the payment including the payment information. Compose a request full text (1805), and transmit the configured payment approval request full text to a payment institution corresponding to the payment means, and confirm that the payment approval result text including the payment approval details corresponding to the full payment approval request text is received. (1810).

If the payment approval result message is received (1815), the server extracts payment approval history information from the payment approval result message and transmits it to the home shopping server and the user mobile phone 170 or the payer mobile phone 350 (1820). .

19 is a view showing a process of generating a one-time password through the one-time password generation program for each payment method according to the embodiment of the present invention to include in the payment means authentication information.

When a user payment method or a payer payment method is selected through the payment method selection interface in the process illustrated in FIG. 11 or 17, the payment program corresponds to a one-time password generation program for each payment method selected by the payment method selection interface. Check whether the mobile phone is provided (1900).

If it is confirmed that the mobile phone is provided with a one-time password generation program for each payment means (1905), the payment program uses the one-time password generation program for each payment means on the payment information input interface that is output after selecting the payment method. Create a password, and output the one-time password associated with the interface using the generated one-time password as the payment means authentication information (1910), after entering the password for the one-time password generation via the payment information input interface to generate a one-time password Verify that it is requested (1915).

If the one-time password generation is requested (1920), the payment program executes a one-time password generation program for the corresponding payment means through a preset command for generating a one-time password for each payment means (1925), and the one-time password for each payment means. When the generation program is executed (1930), 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 (1935). .

If the one-time password is generated through the one-time password generation program for each payment means (1940), 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 (1945).

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.

1 is a diagram illustrating a messaging-based home shopping payment system configuration according to a first embodiment of the present invention.

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

3 is a block diagram illustrating a messaging-based home shopping payment system according to a method 3-1 of the present invention.

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

5 is a block diagram illustrating a messaging-based home shopping payment system according to a fourth embodiment of the present invention.

6 is a diagram showing the configuration of a messaging-based home shopping payment system according to a method 3-2 of the present invention.

7 is a block diagram illustrating a messaging-based home shopping payment system according to a fourth embodiment of the present invention.

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

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

10 is a diagram illustrating a process of transmitting a payment history by driving a payment program to a user mobile phone through wireless messaging according to the second or fourth embodiment of the present invention.

11 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 user's mobile phone according to the first to fourth embodiments of the present invention; Figure is a diagram.

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

FIG. 13 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.

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

FIG. 15 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 embodiment 3-1, 2 of the present invention.

FIG. 16 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.

FIG. 17 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 embodiment of the present invention. Figure is shown.

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

19 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 payment means authentication information.

Claims (8)

Outputting a purchase interface (purchase information including one or more items, quantities, and colors) corresponding to home shopping payment target product unique information (or channel identification information) on a user mobile phone; Transmitting input or selected purchase information to a server through the purchase information selection interface in a user mobile phone; Receiving and outputting payment detail information corresponding to the purchase information from the server in a user mobile phone; Processing a payment corresponding to the payment detailed information in a user mobile phone; home shopping payment processing method using a mobile phone comprising a. The method of claim 1, wherein the outputting of the purchase interface (purchase information including one or more items, quantities, and colors) corresponding to home shopping payment target product unique information (or channel identification information) is output from the user mobile phone. Receiving home shopping payment target product specific information (or channel identification information) from a user in a user mobile phone; Checking whether a purchase information selection interface corresponding to the input home shopping payment target product unique information (or channel identification information) is pre-stored in a memory in a user mobile phone; If the purchase information selection interface is pre-stored in a memory, the purchase information selection interface is extracted from the memory and outputted. If the purchase information selection interface is not stored in the memory, the home shopping payment target product is unique to a server on a communication network. Requesting a purchase information selection interface corresponding to home shopping payment target product specific information (or channel identification information) by transmitting information (or channel identification information); home shopping payment processing method using a mobile phone further comprising: . The method of claim 1, wherein the outputting of the purchase interface (purchase information including one or more items, quantities, and colors) corresponding to home shopping payment target product unique information (or channel identification information) is output from the user mobile phone. Receiving home shopping payment target product specific information (or channel identification information) from a user in a user mobile phone; Transmitting, by the user's mobile phone, the home shopping payment target product specific information (or channel identification information) to a server on a communication network; Receiving a purchase information selection interface corresponding to home shopping payment target product unique information (or channel identification information) from the server in the user mobile phone; Home shopping payment processing method using a mobile phone characterized in that it further comprises. The method of claim 1, wherein the processing of the payment corresponding to the payment detail information in the user's mobile phone comprises: Outputting a payment method selection interface; When a payment method is selected through the payment method selection interface, a payment information input interface for inputting payment information including one or more payment method information, payment method authentication information, and user-specific information corresponding to the selected payment method is output. step; When the payment information is input through the payment information input interface, transmitting the payment information to the payment server; Home shopping payment processing method using a mobile phone, characterized in that further comprises. A computer-readable recording medium having recorded thereon a program for executing the method of any one of claims 1 to 4. A memory unit for storing purchase information (purchase information including one or more items, quantities, and colors) corresponding to home shopping payment target product unique information (or channel identification information); An input unit configured to receive home shopping payment target product specific information (or channel identification information) from a user; Interface providing unit for extracting and outputting the purchase information (purchase information including one or more items, quantity, color) selection interface corresponding to the home shopping payment target product unique information (or channel identification information) input through the input unit ; A transmission unit for transmitting input or selected purchase information to the server through the output purchase information selection interface; A receiving unit which receives payment detail information corresponding to the purchase information from the server; And a payment processing unit processing a payment corresponding to the payment detailed information. An input unit configured to receive home shopping payment target product specific information (or channel identification information) from a user; The home shopping payment object specific information (or channel identification information) input through the input unit is transmitted to a server on a communication network, and the purchase information (item, An interface providing unit for outputting a purchase information including a quantity and a color; A transmission unit for transmitting input or selected purchase information to the server through the output purchase information selection interface; A receiving unit which receives payment detail information corresponding to the purchase information from the server; And a payment processing unit processing a payment corresponding to the payment detailed information. The method of claim 6 or 7, wherein the payment processing unit, Outputting a payment method selection interface and inputting payment information including one or more payment method information, payment method authentication information, and user-specific information corresponding to the selected payment method when the payment method is selected through the payment method selection interface; And a program for outputting a payment information input interface for transmitting payment information through the payment information input interface and transmitting the payment information to a payment server.

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