KR20110107311A - A transaction system and mehod using mobile network, computer program therefor - Google Patents

Abstract

The present invention relates to a payment service system and a method using a mobile network, and to a gist of a mobile service and the mobile device in the environment connected by a messenger or network, and a payment service system and method for supporting the same. The payment service system and method using the mobile network of the present invention provide a system for selling goods using IPIN and ESN in an environment in which a mobile and a mobile device are connected by a messenger or a network, where a third party extracts personal financial transaction information. The present invention provides a payment service system using a mobile network equipped with security measures for phishing, pharming, and the like, which steal personal information such as personal ID, password, and account information.

Description

Payment service system and method using mobile network, and computer program therefor {A transaction system and mehod using mobile network, computer program therefor}

The present invention relates to a payment service system and a method using a mobile network, the present invention relates to a payment service system and method, and a computer program for supporting the sale of goods in an environment in which the mobile and the mobile is connected to the messenger or network do.

As a background art related to the present invention, a payment processing method and system of Korean Patent Laid-Open Publication No. 10-2007-0021826 shown in FIG. 1, a payment processing device, a payment terminal device, a wireless terminal device and a recording medium technology There is this. This technology connects at least one or more payment means information, payment means owned customer wireless terminal information, and predetermined token generation program information for a token generation program provided in the wireless terminal to a predetermined storage medium in a predetermined information storage means. Store and, when the payment means owned customer using the payment means for payment processing, generates a predetermined token code through the token generation program provided in the payment means owned customer wireless terminal, the generated token code and the wireless Generate a predetermined payment approval request full text (or data) including at least one terminal information and payment information to request a predetermined payment approval, and use the token code with reference to the full payment approval request text (or data) to authenticate. It relates to a payment processing method and system for performing the processing.

Since this technology includes a token generating program in a payment means owning customer wireless terminal and generates token code information in the wireless terminal, there is room for generating token information of another person by manipulation of the payment means owning customer wireless terminal. . In addition, it is configured to input a predetermined code (or pin number or password) through the key input unit, which requires cumbersome manual work for each payment, and allows phishing or personal information from third parties to extract financial transaction information. There is a weak point in the security measures against Pharming stealing personal information such as ID, password, account information.

As another background technology related to the present invention, there is a seller mobile phone, a card payment method of a server, and a card payment system and a mobile phone technology of the Republic of Korea Patent Publication No. 10-2011-0049765 shown in FIG. This technology, in the card payment method of the seller's mobile phone used for card payment, a part of the card information assigned to the buyer's mobile phone information and the card issued to the buyer and the card company that issued the card Receiving payment information including information and payment amount information, and outputting an interface for receiving digital signature information for authenticating the seller's face-to-face payment of the buyer when the seller mobile phone is provided with a touch pad input means; Outputting an interface for receiving authentication information for non-face-to-face authentication by converting the face-to-face payment to a face-to-face payment when a touch pad input means is not provided; and any one of the input digital signature information and authentication information. To generate wireless payment request information including information of And transmitting the generated wireless payment request information to a server on a communication network.

However, this technology uses a part of the card number assigned to the card issued to the buyer as payment information, and outputs an interface for inputting digital signature information or authentication information and transmits it to a server on a communication network. Card numbers may be exposed and are vulnerable to security measures against phishing, pharming to steal personal information such as personal IDs, passwords, and account information.

As another background art related to the present invention, there is a micro payment method and system technology using the portable communication terminal of Korea Patent Publication No. 10-0702867 shown in FIG. This technology allows a small amount of payment through a minimum procedure without a separate authentication number, such as a one time password (OTP), so that a small amount of payment method and system using a mobile communication terminal further improves the convenience of the small amount of payment. A mobile communication terminal, comprising: a) allowing a user to access a wireless website providing a product (content or article, etc.) that a user wants to purchase through a mobile communication terminal, and to confirm the mobile communication terminal number, and to select a desired product. step; b) inputting a payment amount and user identification data through the portable communication terminal to the wireless website operating server while the portable communication terminal and the wireless website are connected; c) the operation server of the wireless website itself authenticates the user through the user identification data and the mobile communication terminal number, and transmits the user identification data and the mobile communication terminal number to the micropayment operation server. Requesting authentication of the user and the portable communication terminal by transmitting; d) the micropayment operation server transmitting the information received from the website operation server to the operation server of the mobile communication company, and requesting the operation server of the mobile communication company to authenticate the user; e) When authentication is completed in the operation server of the mobile communication company, the website operation server makes a payment approval request to the micro payment operation server, and the micro payment operation server requests a payment approval from the operation server of the mobile communication company. Doing; f) the operation server of the mobile communication company performs a payment process according to the payment approval request, and the micropayment operation server to inform the target parties of the results of the payment approval request.

However, this technology is configured to input user identification data such as a social security number through the mobile communication terminal to confirm whether the user is a legitimate legitimate user, and requires a cumbersome manual operation for each payment. There are disadvantages in that it is vulnerable to security measures against phishing to extract financial transaction information, pharming to steal personal information such as personal ID, password, account information, and the like.

(Patent Document 1) KR10-2007-0021826 A

(Patent Document 2) KR10-2011-0049765 A

(Patent Document 3) KR10-0702867 B1

The present invention with respect to the problems of the background art as described above,

It is an object of the present invention to provide a payment service system and a method for supporting the sale of goods and mobile devices in an environment where a mobile and a mobile device are connected by a messenger or a network.

By using IPIN and ESN, a mobile network equipped with security measures against phishing to extract personal financial transaction information and pharming to steal personal information such as personal ID, password and account information It is an object of the present invention to provide a payment service system.

In addition, the present invention provides a payment service system using a mobile network that improves reliability by responding to phishing or pharming and applying an escrow method in an environment where the mobile and the mobile are connected by a network or a messenger. Let's solve the problem.

The present invention provides a payment service system using a mobile network including a buyer mobile and a seller mobile, a payment service server, and a communication company server.

A purchaser mobile having a purchase module, a date time extraction module, a reception number extraction module, an encryption / decryption module, a purchase payment information storage unit, and a purchase completion information storage unit is provided as a solution for the problem.

In addition, the present invention provides a seller mobile having a sales module, a reception number extraction module, an encryption / decryption module, a sales information creation module, and a sales completion information storage unit as a means for solving the problem.

In addition, the present invention provides a payment service server having a seller database, a buyer database, a purchase payment information storage unit, an authentication unit, payment approval request information generation and approval receiving unit, transaction completion information generation unit as a means for solving the problem.

In addition, the present invention provides a method for driving a payment service system using a mobile network having a purchaser mobile and a seller mobile, a payment service server, and a carrier server step by step as a means for solving the problem.

According to the payment service system and method using the mobile network of the present invention, there is a technical effect of providing a payment service system and a method for supporting the sale of goods in an environment in which the mobile and the mobile are connected by a messenger or network.

In addition, according to the payment service system and method using the mobile network of the present invention, personal information such as phishing, personal ID, password, account information, etc., in which a third party extracts personal financial transaction information by using IPIN and ESN. There is a technical effect of providing a payment service system using a mobile network with security measures against Pharming, which steals money.

In addition, according to the payment service system and method using the mobile network of the present invention, it is possible to respond to phishing or pharming in an environment where mobile and mobile are connected by a network or a messenger, There is a technical effect to improve.

1 is a background technology of the present invention, comprising a payment processing method and system, a payment processing device, a payment terminal device, a wireless terminal device and a recording medium technology
2 is another background of the present invention, the seller mobile phone, the card payment method of the server and the server payment system and the configuration of the mobile phone technology
3 is a further background of the present invention, the configuration of a micro payment method and system technology using a mobile communication terminal
4 is an initial subscription model of seller mobile for payment service using the mobile network of the present invention.
5 is an initial subscription model of buyer mobile for payment service using the mobile network of the present invention.
6 is an example of information stored in a database provided in the payment service server.
7 is a configuration of the buyer mobile of the present invention
8 is the configuration of the seller mobile of the present invention
9 is a flowchart illustrating the operation of the payment service system of the present invention.
10 is a data movement relationship between the buyer mobile and the seller mobile of the present invention
11 is a configuration and operation of the payment service server according to the purchase of the present invention
12 is a configuration and operation of the payment service server according to the payment approval of the present invention
13 is a detailed configuration of information provided from the mother payment service server of the present invention
14 is an embodiment of sales information provided to the messenger screen of the present invention and the buyer mobile;
15 is an embodiment in which the purchase completion information and the sale completion information of the present invention displayed on each mobile
16 is an embodiment of the screen configuration of the messenger screen after the purchase payment and the buyer mobile of the present invention

The following merely illustrates the principles of the invention. Accordingly, those skilled in the art will be able to devise various apparatuses which, although not explicitly described or shown herein, embody the principles of the invention and are included in the concept and scope of the invention. Furthermore, all of the conditional terms and embodiments listed herein are, in principle, intended only for the purpose of enabling understanding of the concepts of the present invention, and are not intended to be limiting in any way to the specifically listed embodiments and conditions .

The above objects, features and advantages will become more apparent from the following detailed description in conjunction with the accompanying drawings. In the following description of the present invention, it is determined that the detailed description of the related known technology may unnecessarily obscure the subject matter of the present invention; For example, a detailed description of steps as technical means or methods, such as inputting an ID or a password at a payment step, will be omitted.

In recent years, the Social Network Service (SNS), which enables the formation of a human network on the Web, enables the sharing of personal information on the Internet, thus providing extended services to individual mobile communication terminals. It is becoming.

This social network service was mainly used for social gathering and entertainment, but later it was used for productive purposes such as business and information sharing. This is because the information shared by recommendation of friends is delivered more reliably and concisely than the information found through general search due to the nature of being connected to the acquaintance of the acquaintance. As a result, the demand for the transaction and payment of goods through the mobile-to-mobile network is increasing, but the existing mobile payment technologies have a weakness of data security by using personal information or credit card information. In addition, it is configured to store personal information or credit card information on mobile or to generate and provide payment information directly on the mobile, so that phishing, personal ID, password, account information, etc. Security measures against Pharming stealing personal information has become a problem. For this reason, social network services provided only with basic information such as personal IDs have been limited in providing a secure and efficient transaction and payment system.

As an example of a solution for the secure and efficient transaction and settlement system, an Internet Personal Identification Number (IPIN) is introduced and used. The IPIN is a 13-digit number that is unique to a subscriber from an accredited certification body. Personal identification numbers, such as existing social security numbers have been assigned to a fixed number that can not be changed, IPIN is easy to change and reissue, and to prevent the leakage of personal information is increasing Internet services using them. IPIN, real name verification step to confirm the social security number and name; Inputting personal information such as an identification ID, a password, an e-mail, and a mobile phone number; It is granted from the certification body through the step of verifying identity through a certificate, credit card authentication, mobile phone, face-to-face authentication. The IPIN issued as such is used as an authentication means on the Internet.

However, if payment is made by the third party's Pharming and the IPIN and password are misused, it still takes a long time for the subscriber to recognize it and change the IPIN again. This is necessary.

To this end, the present invention, a payment service system using a mobile network that prevents the leakage of personal information by using the electronic serial number (ESN: electronic serial number or less ESN) with the above IPIN, and improved the efficiency of transaction security And a method thereof. The ESN is an electronic unique number assigned to each mobile device and is composed of eight hexahedral hexadecimal codes. Each mobile device is assigned a different number. Since the ESN is configured such that the user can not read arbitrarily, the present invention solves the above problems by providing a separate means for reading the ESN.

In addition, the present invention relates to a payment service system and a method using a mobile network, and responds to phishing or pharming in the environment in which mobile and mobile are connected by a network or a messenger, and to apply reliability by applying an escrow method. An improved mobile payment service system and method thereof are provided.

Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings.

4 illustrates an initial subscription model of seller mobile 200 for payment service using the mobile network of the present invention. In order to receive the payment service using the network of the present invention, the seller mobile 200 of the present invention must first be registered with the IPIN certification authority 500 to receive an IPIN, and then register with the payment service server 300.

As a first step for the seller mobile 200 that receives the IPIN from the IPIN certification authority 500 to register with the payment service server 300, the seller mobile 200 accesses the payment service server 300 online (S100). ), And receives the seller subscription application from the payment service server 300 (S101). Then, the seller mobile 200 performs a seller subscription application (S102), and performs seller data providing step (S103) of providing seller data for payment service server 300 to receive payment service by the seller subscription application. .

Subsequently, the payment service server 300 provides seller data to the IPIN certification authority 500 to perform a seller certification request step S104 for authenticating whether the seller is a valid seller. In the seller authentication request step (S104), the payment service server 300 transmits information for authentication, for example, IPIN, or an IPIN password or an IPIN ID to replace the IPIN, to the IPIN certification authority 500. If provided, the IPIN certification authority 500 notifies the seller authentication information to the payment service server 300 (S105). The payment service server 300 notified of the seller authentication information transmits a message indicating that the seller mobile 200 is registered with the seller ID and the sales module to the seller mobile 200, thereby completing registration of the seller mobile 200 (S106). )do. As the registration of the seller mobile 200 is completed (S106), the seller mobile 200 is equipped with a sales module (S107).

5 shows an initial subscription model of a buyer mobile 100 for a payment service using the mobile network of the present invention. In order to receive the payment service using the network of the present invention, the buyer mobile 100 of the present invention preferentially receives an IPIN by registering with the IPIN certification authority 500, like the seller mobile 200, and then the payment service server 300. You must register at

As a first step for the purchaser mobile 100 having received the IPIN from the IPIN certification authority 500 to register with the payment service server 300, the buyer mobile 100 accesses the payment service server 300 online (S120). ), And receives a purchaser subscription application from the payment service server 300 (S121). Subsequently, the purchaser mobile application 100 performs a purchaser subscription application (S122), and performs a purchaser data providing step (S123) of providing seller data for payment service to the payment service server 300 by the purchaser subscription application. .

Subsequently, the payment service server 300 provides the buyer data to the IPIN certification authority 500 to perform a buyer authentication request step (S124) for authenticating whether the seller is a valid seller. In the purchaser authentication request step (S124), the payment service server 300 transmits information for authentication, for example, IPIN, or an IPIN password or an IPIN ID for IPIN to the IPIN certification authority 500. If provided, the IPIN certification authority 500 notifies the purchaser authentication information to the payment service server 300 (S125). The payment service server 300 notified of the buyer authentication information transmits a message indicating that the buyer mobile 100 is registered together with the buyer ID and the purchase module to the seller mobile 200, thereby completing the registration of the buyer mobile 100 (S126). )do. As the registration of the buyer mobile 100 is completed (S126), the purchaser mobile 100 is installed with a purchase module (S127).

FIG. 6 illustrates an example of information stored in a database provided in the payment service server 300 according to the seller data providing step S103 and the buyer data providing step S123 described above. The database in the payment service server 300 includes a seller database 310 and a buyer database 320. The seller database 310 includes a seller ID, a seller subscription carrier, a seller name / address, a seller mobile number, The file consisting of the data of the seller mobile ID and the seller's deposit account is stored separately by the seller using the seller ID as the file name, and the buyer database 320 includes the buyer ID, the buyer signing carrier, the buyer name / address, the buyer mobile number, and the buyer mobile. One file consisting of the ID and data of the latest purchase date / time is stored separately for each buyer using the buyer ID as the file name.

The data provided by the seller mobile 200 to the payment service server 300 in the seller data providing step (S103) is allocated to one seller file for each seller mobile 200 and stored in the seller DB 310. The specific contents of the following are as follows.

-Merchant ID

  As an ID representing the seller mobile 200, the identification is stored according to the seller's input and stored. The seller ID is also used as a file name in the payment service server 300 when storing the data provided by the seller mobile 200 to the payment service server 300 in a file in the seller data providing step (S103).

-Merchant signup carrier

  Enter the name of the telecommunications company subscribed to the seller mobile 200 is input from the seller mobile (200). At this time, the payment service server 300 stores the name of the carrier as a code according to the name of the carrier.

-Seller's Name / Address

  Stores the seller's name and address input from the seller mobile (200).

-Merchant Mobile Number

  Stores the seller's mobile number, that is, the mobile telephone number. The mobile number may be configured to be input from the seller mobile 200 or, if necessary, the payment service server 300 is configured to directly extract and store the connected caller number using the caller ID display service.

-Merchant Mobile ID

  The seller mobile ID uses an Internet Personal Identification Number (IPIN) and an ESN (Electronic Serial Number) assigned to each of the cellular phone terminals, to which the seller mobile 200 separately subscribes. In order to register with the payment service server 300, the 13-digit IPIN or 8-digit hexacode number ESN input from the seller mobile 200 is stored in the payment service server 300. In this case, the IPIN number may be replaced with information such as an IPIN, an IPIN password or an IPIN ID that replaces the IPIN. In addition, since the ESN is configured so that the user can not read arbitrarily, the present invention solves the above problems by providing a purchase module that can read the ESN.

-Merchant Deposit Account

As the number of the account to receive the payment of the goods sold from the seller mobile 200 is received with the name of the financial institution opened the account is stored as a code.

In addition, the data provided by the buyer mobile 100 to the payment service server 300 in the buyer data providing step S123 is allocated to one buyer file for each buyer mobile 100 and stored in the buyer DB 320. The details of the data are as follows.

-Buyer ID

  As an ID representing the purchaser mobile 100, whether or not a duplicate is stored according to a seller's input is stored. The buyer ID is also used as a file name in the payment service server 300 when storing the data provided by the buyer mobile 100 to the payment service server 300 in a file in the buyer data providing step S123.

-Buyer's subscription carrier

  Enter the name of the telecommunications company subscribed to the buyer mobile 100 is input from the buyer mobile (100). At this time, the payment service server 300 stores the name of the carrier as a code according to the name of the carrier.

-Buyer's Name / Address

  Stores the name and address of the buyer input from the buyer mobile (100).

-Buyer mobile number

  Stores the buyer's mobile number, i.e. mobile phone number. The mobile number may be configured to be input from the purchaser mobile 100, or, if necessary, configured to directly extract and store a connected caller number using the caller ID display service at the payment service server 300 side.

-Buyer mobile ID

  The mobile ID uses an Internet Personal Identification Number (IPIN) and an Electronic Serial Number (ESN), which are uniquely assigned to each of the cellular phone terminals, to which the purchaser mobile 100 separately subscribes. In order to register with the payment service server 300, the 13-digit IPIN or 8-digit hexacode number ESN input from the buyer mobile 100 is stored in the payment service server 300. In this case, the IPIN number may be replaced with information such as an IPIN, an IPIN password or an IPIN ID that replaces the IPIN. In addition, since the ESN is configured so that the user can not read arbitrarily, the present invention solves the above problems by providing a purchase module for reading the ESN.

-Last purchase date / time

Store the date and time of purchase of the goods to the buyer mobile (100). When the first subscription is stored as an initial value (for example, all '0'), the recent purchase date / time information is provided by the buyer mobile (100). In addition, the purchaser mobile 100 is configured to be updated every time a purchase occurs.

Figure 7 of the following figure shows the configuration of the buyer mobile 100 of the present invention. Hereinafter, the buyer mobile 100 of FIG. 7 will be described by dividing the existing components and the characteristic components of the present invention.

Buyer mobile 100 of the present invention is a controller 101, the communication unit 102, the display 103, the touch screen control unit 104, the date and time storage unit as the existing components shown in the upper portion divided by a dotted line in the drawing 105, a voice input / output unit 106, an application module 107, and an ESN storage unit 108.

The communication unit 102 performs transmission and reception of voice and data of the mobile under the control of the controller 101, and the display 103 displays information and data provided from the controller 101. The touch screen controller 104 detects a signal input from a touch screen sensor provided to overlap the display 103 and provides it to the controller 101. The date and time storage unit 105 counts and stores the current date and time. The voice input / output unit 106 converts the voice or audio information received by the communication unit 102 into D / A and provides the external earphone jack through a speaker or an audio jack built in the purchaser mobile 100, and the purchaser mobile 100. A / D-converted signals provided through the built-in microphone or an external microphone jack to the controller 101, and the controller 101 transmits the A / D converted data according to the execution of the application module 107. Send to 102. The application module 107 performs an application function using the purchaser mobile 100 through the controller 101, stores a plurality of functions, and allows them to be selected by a user.

Buyer mobile 100 of the present invention is a characteristic component of the present invention shown in the lower portion divided by the dotted line of Figure 5 date and time extraction module 110, reception number extraction module 111, decoding module 112, The purchase payment information storage unit 113, the purchase completion information storage unit 114, and the purchase module 150 is provided. Hereinafter, the characteristic configuration of each component will be described in the order of the working relationship.

Purchasing Module 150

 The purchase module 150 is provided in the initial subscription step of FIG. 5 as described above, and is mounted on the controller 101 under the control of the controller 101 of the buyer mobile 100 to perform a purchase process of the buyer mobile 100. To perform. The purchase module 150 may be provided as part of the application module 107 to perform a purchase function using the purchaser mobile 100 through the controller 101. The purchase module 150 also has a function of extracting the ESN from the ESN storage unit 108 of the buyer mobile 100.

Date time extraction module 110

 The date and time extraction module 110 extracts a current date and time from the date and time storage unit 105 of the above-described buyer mobile 100 as a part of the purchase module 150. The date and time storage unit 105 continuously counts and stores the current date and time, and the date and time extraction module 110 includes the controller described above as the purchase module 150 is mounted on the purchaser mobile 100. According to the control of 101), there is a difference in extracting the date and time of a specific time point. In the present invention, the date and time extraction module 110 extracts the date and time at the time point at which payment is made in the purchaser mobile 100.

-Reception number extraction module (111)

 The reception number extraction module 111 extracts a mobile number of a counterpart, that is, a seller, connected through a messenger or a network as part of the purchase module 150.

Encryption / Decryption Module 112

 The encryption / decryption module 112 decrypts the encrypted data transmitted from the seller mobile 200 and the payment service server 300 as part of the purchase module 150, and transmits the payment service server (from the buyer mobile 100). The information transmitted to 300 is encrypted.

-Purchase payment information storage unit (113)

 The purchase payment information storage unit 113 is generated by the purchase module 150 and stores information for purchase payment under the control of the controller 101 of the buyer mobile 100 equipped with the purchase module 150. . The purchase payment information storage unit 113 stores the regular purchase payment information 113a and the occasional purchase payment information 113b, and the regular purchase payment information 113a is information input before the transaction by the buyer, buyer ID, buyer Among mobile IDs, IPIN and buyer mobile number are included. In this case, the IPIN number may be replaced with information such as an IPIN, an IPIN password or an IPIN ID that replaces the IPIN. In addition, the occasional purchase settlement information 113b is information input by the controller 101 from information provided from the seller each time a purchase occurs, and includes a seller ID, an article name, an amount, a seller mobile number, and a seller mobile ID. Here, the seller's mobile ID includes the seller's IPIN, or an IPIN password that replaces the IPIN, an ID for IPIN, and the seller's ESN.

Here, the always-purchase payment information 113a is input by the buyer, so that the buyer knows the information. The occasional purchase payment information 113b is preferably processed as hidden information input by the controller 101.

-Purchase completion information storage unit 114

Purchase completion information storage unit 114 is generated by the purchase module 150, and stores the transaction history of the purchase is completed, the stored information is the controller 101 of the buyer mobile 100 payment service server 300 Received from The information stored in the purchase completion information storage unit 114 includes a seller ID, a transaction number and date, a product name / amount, a seller name and address, and a seller mobile number.

Figure 8 of the following figure shows the configuration of the seller mobile 200 of the present invention. Hereinafter, the buyer mobile 200 of FIG. 8 will be described by dividing the existing components and the characteristic components of the present invention.

The purchaser mobile 200 of the present invention is a controller 201, a communication unit 202, a display 203, a touch screen controller 204, and a date and time storage unit as existing components shown in the upper portion divided by a dotted line of the drawing. 205, the voice input / output unit 206, the application module 207, and the ESN storage unit 208 correspond to the components of the same name of the seller mobile 100 described above, and thus a detailed description thereof will be omitted.

Seller mobile 200 of the present invention is a sales component 250, a receiving number extraction module 210, encryption / decryption module 211, as a characteristic component of the present invention shown in the lower portion divided by the dotted line of FIG. The sales information creation module 212 and the sales completion information storage unit 213 are provided. Hereinafter, the characteristic configuration of each component will be described in the order of the working relationship.

-Sales module (250)

 The sales module 250 is provided in the initial subscription step of FIG. 4 as described above, and is mounted on the controller 201 under the control of the controller 201 of the seller mobile 200 to perform the sales process of the seller mobile 200. To perform. The sales module 250 may be provided as part of the application module 207 to perform a sales function using the seller mobile 200 through the controller 201. The sales module 250 also has a function of extracting the ESN from the ESN storage unit 208 of the seller mobile 200.

Reception number extraction module 210

 The reception number extraction module 210 extracts a mobile number of a counterpart, that is, a buyer, connected to a messenger or a network as part of the sales module 250.

Encryption / Decryption Module 211

 The encryption / decryption module 211 decrypts the encrypted data transmitted from the payment service server 300 as part of the sales module 250 and encrypts the information transmitted to the buyer mobile 100.

-Sales Information Creation Module (212)

The sales information creation module 212 is a part of the sales module 250 and receives and stores information for sale under the control of the controller 201 of the seller mobile 200 equipped with the sales module 250. The sales information creation module 212 receives and stores basic information for sale by the seller before the transaction. The basic information for the sale includes a seller ID, product information including a product name and a product image, an amount, a seller mobile number, and an IPIN as a seller mobile ID. In this case, the IPIN number may be replaced with information such as an IPIN, an IPIN password or an IPIN ID that replaces the IPIN.

-Sale completion information storage unit (213)

The sale completion information storage unit 213 stores the transaction details generated by the sale module 250 and the sale is completed, and the stored information is provided by the controller 201 of the seller mobile 200 from the payment service server 300. . The information stored in the sale completion information storage unit 213 includes a buyer ID, a transaction number and date, a product name / amount, a buyer name and address, and a buyer mobile number.

9 is a flowchart illustrating a step-by-step operation of a payment service system using a mobile network of the present invention. The payment service system using the mobile network of the present invention includes a buyer mobile 100, a seller mobile 200, a payment service server 300, and a communication company server 400. Hereinafter, specific operational steps of the payment service system using the mobile network of the present invention will be described.

a) First, the controller 101 of the buyer mobile 100 prepares the regular purchase payment information through the purchase module 150 and stores the purchase payment information in the purchase payment information storage unit 113. (S200)

The regular purchase payment information 113a created at this time is information input before the transaction by the buyer and includes a buyer ID, an IPIN among the buyer mobile IDs, and a buyer mobile number. In addition, the IPIN number may be replaced with information such as an IPIN, or an IPIN password or an ID for an IPIN.

b) The controller 201 of the seller mobile 200 receives and stores the sales information through the sales information creation module 212. (S205)

The sales information input at this time; IPIN is included as the seller ID, the item information including the item name and the item image, the amount, the seller mobile number, and the seller mobile ID. In this case, the IPIN number may be replaced with information such as an IPIN, an IPIN password or an IPIN ID that replaces the IPIN.

c) Following the above steps, the buyer mobile 100 and the seller mobile 200 interconnect each other by a messenger or social network service using the buyer ID and the seller ID received from the payment service server 300. (S210)

d) In response to a request from the buyer mobile 100, the controller 201 of the seller mobile 200 reads the sales information from the sales information creation module 212, and together with the ESN of the seller mobile 100, the buyer mobile 100. Encrypted and decrypted through the encryption / decryption module 100 to be transmitted. At this time, the ESN of the seller mobile 100 is extracted from the ESN storage unit 208 through the sales module 250 of the seller mobile 200 and transmitted. (S215)

e) The controller 101 of the buyer mobile 100, which has received the sales information and the ESN of the seller mobile 100 in the step, displays the sales information after decrypting it through the encryption / decryption module 112, and purchases payment information. Create (S220)

At this time, the purchase payment information;

Always purchase payment information 113a, occasional purchase payment information 113b and the ESN and date and time information of the buyer mobile 100,

The occasional purchase payment information 113b includes a seller ID, a product name, an amount, a seller mobile number, a seller mobile ID including an IPIN and an ESN, which are read from the received sales information. In addition, the ESN of the buyer mobile 100 is read from the ESN storage unit 108 through the purchase module 150 by the controller of the buyer mobile 100. The date and time information is read from the date time storage 105 through the date time extraction module 110 by the controller of the buyer mobile 100.

f) The purchase payment information generated in step S220 is encrypted by the encryption / decryption module 112 by the controller 101 of the buyer mobile 100 and transmitted to the payment service server 300. (S225)

g) The payment service server 300 receiving the purchase payment information from the buyer mobile 100 decrypts the purchase payment information through the encryption / decryption unit 360, and generates payment approval request information from the purchase payment information to join the buyer. Transmission to the communication company server 400. (S230)

The payment approval request information includes a buyer subscription carrier, a buyer name / address, a buyer mobile number, an IPIN as a buyer mobile ID, and a buyer's transaction account number.

In addition, although not shown in FIG. 9, the payment service server 300 generates the payment approval request information and transmits the received purchaser mobile 100 and the seller mobile before transmitting to the communication company server 400 of the purchaser subscription carrier. The IPIN of the 200 is transmitted to the IPIN certification authority 500 to authenticate the buyer mobile 100 and the seller mobile 200. In this case, the IPIN number may be replaced with information such as an IPIN or an IPIN password or an ID for an IPIN.

h) Subsequently, the communication company server 400 of the subscriber subscription telecommunication company authenticates the buyer as payment approval request information received from the payment service server 300 and transmits the payment approval information to the payment service server 300. (S235)

i) payment service server 300 has received payment approval information transmits the purchase completion information to the buyer mobile (100) (S240);

Seller completes the sale information to the mobile (200). (S250)

In addition, the communication company server 400 performs a step of paying to the transaction account of the payment service server 300 (S245), the time of payment is made at any point after the payment approval step (S235).

In addition, the purchase completion information, the seller ID, transaction number and date, item name / amount, seller name / address, seller mobile number,

The sale completion information is configured to include the buyer ID, transaction number and date, article name / amount, buyer name / address, buyer mobile number is transmitted from the payment service server 300.

j) After the purchaser mobile 100 displays the received purchase completion information, stores it in the purchase completion information storage unit 114, and the seller mobile 200 displays the received sale completion information, and completes the sale. The information storage unit 213 stores the information.

k) When the goods are delivered from the seller to the buyer, the buyer performs a purchase decision with the buyer mobile 100, and transmits the purchase decision to the payment service server 300. (S260)

l) The payment service server 300 receiving the purchase decision from the buyer mobile 100 pays the amount of goods from the transaction account to the payment account of the seller. (S265)

m) The service provider server 400 of the subscriber subscription carrier service charges the amount paid for the buyer mobile 100 (S270), the process of the payment service system and method using the mobile network of the present invention is terminated.

In the present invention, the payment institution of the mobile payment service is limited to the purchaser subscription carrier, but is not limited by the payment institution as long as the IPIN and ESN, which is a characteristic of the present invention, are not limited by the payment institution. Can also be used for card payments.

10 is a diagram illustrating a data movement relationship between the buyer mobile 100 and the seller mobile 200 of the present invention. In the above-described step (S215), in response to a request from the buyer mobile 100, the controller 201 of the seller mobile 200 reads the sale information from the sales information creation module 212, and thus of the seller mobile 100 The ESN is encrypted and transmitted to the purchaser mobile 100 through the encryption / decryption module. The sale information transmitted at this time; IPIN is included as the seller ID, the item information including the item name and the item image, the amount, the seller mobile number, and the seller mobile ID. In this case, the IPIN number may be replaced with information such as an IPIN, an IPIN password or an IPIN ID that replaces the IPIN, and the ESN of the seller mobile 100 is an ESN through the sales module 250 of the seller mobile 200. It is extracted from the storage unit 208 and transmitted.

In step S220, the controller 101 of the buyer mobile 100, which has received the sales information and the ESN of the seller mobile 100, decrypts through the encryption / decryption module 112 and generates purchase payment information. (S220)

At this time, the purchase payment information;

Always purchase payment information 113a, occasional purchase payment information 113b and the ESN and date and time information of the buyer mobile 100,

The occasional purchase payment information 113b includes a seller ID, a product name, an amount, a seller mobile number, a seller mobile ID including an IPIN and an ESN, which are read from the received sales information. In addition, the ESN of the buyer mobile 100 is read from the ESN storage unit 108 through the purchase module 150 by the controller of the buyer mobile 100. The date and time information is read from the date time storage 105 through the date time extraction module 110 by the controller of the buyer mobile 100.

When the purchase payment information is generated, the controller 101 of the buyer mobile 100 transmits the purchase payment information to the payment service server 300. (S225)

11 is a diagram illustrating the configuration and operation of a payment service server 300 according to a purchase in a payment service system using a mobile network of the present invention.

Payment service server 300 of the present invention;

The seller database 310 and the buyer database 320 described above,

Purchase payment information storage unit 330 for storing the purchase payment information transmitted from the buyer mobile 100,

The purchaser mobile 100 transmits information such as IPIN of the buyer mobile 100 and the seller mobile 200 from the received purchase payment information, or an IPIN password or an IPIN ID to replace the IPIN to the IPIN certification authority 500. Authentication unit 340 for authenticating with the seller mobile 200,

Payment approval request information generation and approval receiving unit 350 to generate payment approval request information and transmits to the carrier carrier server 400 of the buyer subscription carrier and receives the approval,

It consists of a transaction completion information generation unit 360 for generating and transmitting purchase completion information to the buyer mobile 100, and generates and transmits the sale completion information to the seller mobile (200).

As described above, when the controller 101 of the buyer mobile 100 transmits the purchase payment information to the payment service server 300 (S225), the purchase payment information is stored in the purchase payment information storage unit 330. The payment service server 300 transfers the information such as the IPIN of the buyer mobile 100 and the seller mobile 200 from the received purchase payment information, or the IPIN password or the ID for the IPIN to the IPIN certification authority 500. By transmitting, the purchaser mobile 100 and the seller mobile 200 are authenticated through the authenticator 340.

Subsequently, the payment service server 300 generates payment approval request information through the payment approval request information generation and approval receiving unit 350 and transmits the payment approval request information to the communication company server 400 of the buyer subscription telecommunication company. (S230)

FIG. 12 illustrates the configuration and operation of a payment service server 300 according to payment approval in a payment service system using a mobile network of the present invention.

As illustrated in FIG. 11, the service provider server 400 of the subscriber subscription carrier receiving the payment approval request information from the payment service server 300 uses the buyer as the payment approval request information received from the payment service server 300. By authenticating, the payment approval information is transmitted to the payment approval request information generation and approval receiver 350 of the payment service server 300. (S235)

The payment service server 300 receiving the payment approval information transmits the purchase completion information to the purchaser mobile 100 through the transaction completion information generation unit 360 (S240), and transmits the sale completion information to the seller mobile 200. do. (S250)

In the present invention, the payment institution of the mobile payment service is limited to the purchaser subscription carrier, but as long as the IPIN and ESN, which is a characteristic feature of the present invention, are not limited by the payment institution, such as credit cards, cash cards and check cards. It can also be used for regular card payments.

FIG. 13 illustrates a detailed configuration of information provided from the payment service server 300 in the payment service system using the mobile network of the present invention.

In the step of generating payment approval request information through the payment approval request information generation and approval receiving unit 350 and transmitting to the carrier company server 400 of the buyer subscription carrier (S230), the buyer subscription carrier of the payment service server 300 Payment approval request information provided to the carrier server 400;

Buyer subscription carrier, buyer name / address, buyer mobile number, IPIN as buyer mobile ID, and buyer's trading account number.

In addition, the purchase completion information that the payment service server 300 receives the payment approval information transmitted to the buyer mobile 100 (S240);

Including the seller ID, transaction number and date, item name / value, seller name / address, and seller mobile number.

The payment completion information transmitted by the payment service server 300 which receives the payment approval information to the seller mobile 200 (S250) includes the sale completion information;

Buyer ID, transaction number and date, item name / amount, buyer name / address, buyer mobile number.

14 illustrates an embodiment of a messenger screen of a payment service system using a mobile network of the present invention and sales information provided to a purchaser mobile 100. When the sales information and the ESN of the seller mobile 100 are transmitted to the buyer mobile 100 in response to a request from the buyer mobile 100, the controller 101 of the buyer mobile 100 transmits the sales information. Is displayed on the display 103.

FIG. 15 is purchase completion information transmitted from the payment service server 300 to the purchaser mobile 100 which has received the payment approval information in the payment service system using the mobile network of the present invention (S240); An embodiment in which the sale completion information transmitted to the seller mobile 200 is displayed on each mobile is illustrated.

FIG. 16 is a diagram of a buyer mobile 100 in which a goods are delivered from a messenger screen and a seller after a purchase payment to a buyer in a payment service system using the mobile network of the present invention, and the purchase decision is made by the buyer mobile 100 (S260). An embodiment of the screen configuration is shown.

According to the payment service system and method using the mobile network of the present invention described above, the present invention provides a payment service system and a method for supporting the sale of the goods in an environment in which the mobile and the mobile are connected to the messenger or network, and a method for IPIN Payments using a mobile network with security measures against phishing, in which third parties extract personal financial transaction information, or pharming, which steals personal information such as personal IDs, passwords, and account information A service system can be provided. In addition, the present invention provides a mobile payment service system and a method for improving reliability by responding to phishing or pharming and applying an escrow method in an environment where a mobile and a mobile are connected by a network or a messenger.

Although the present invention has been described by way of limited embodiments and drawings, the present invention is not limited thereto and is intended by those skilled in the art to which the present invention pertains. Of course, various modifications and variations are possible within the scope of equivalents.

100: Buyer Mobile 200: Seller Mobile
300: payment service server 400: carrier server
500: IPIN Certificate Authority

Claims (25)

The purchaser mobile 100, the seller mobile 200, the payment service server 300 and the communication company server each having a controller, a communication unit, a display, a touch screen control, a date and time storage unit, an audio input / output unit, an application module, and an ESN storage unit, respectively ( In the payment service system using a mobile network having a 400),
The buyer mobile 100,
A purchase module 150 provided as part of the application module to perform a purchase process of the buyer mobile 100;
As part of the purchase module 150, a date and time extraction module 110 for extracting the date and time of the point at which payment is made in the buyer mobile 100 from the date and time storage of the buyer mobile 100;
As a part of the purchase module 150, a receiving number extraction module 111 for extracting a mobile number of a seller who is a counterpart connected to a messenger or a network;
As part of the purchase module 150, the encrypted data transmitted from the seller mobile 200 and the payment service server 300 is decrypted, and the information transmitted from the buyer mobile 100 to the payment service server 300 is encrypted. Encryption / decryption module 112;
A purchase payment information storage unit 113 generated by the purchase module 150 and storing information for purchase payment of the purchaser mobile 100 equipped with the purchase module 150;
A purchase completion information storage unit 114 generated by the purchase module 150 and storing a transaction history of purchase completed by the controller 101 of the buyer mobile 100 provided from the payment service server 300;
Payment service system using a mobile network, characterized in that provided with
The method of claim 1, wherein the purchase payment information storage unit 113,
The regular purchase payment information 113a and the occasional purchase payment information 113b are stored,
The always-purchase payment information 113a is information input before a transaction by the buyer and includes a buyer ID, an IPIN among the buyer mobile IDs, and a buyer mobile number.
The occasional purchase payment information 113b is information input by the controller 101 from information provided from the seller each time a purchase occurs, and includes a seller ID, an item name, an amount, a seller mobile number, and a seller mobile ID.
The seller mobile ID is a payment service system using a mobile network, characterized in that configured to include the seller's IPIN and the seller mobile ESN
The payment service system using a mobile network according to claim 2, wherein the IPIN among the buyer mobile IDs and the IPIN of the seller among the mobile IDs of the buyer are information such as an IPIN password or an IPIN ID that replaces the IPIN.
3. The mobile device of claim 2, wherein the regular purchase payment information 113a is input by a purchaser and the occasional purchase payment information 113b is hidden information input by the controller 101. Payment service system using network
According to claim 1, The purchase completion information storage unit 114,
Payment service system using a mobile network, characterized by storing information including the seller ID, transaction number and date, article name / amount, seller name and address, seller mobile number
The purchaser mobile 100, the seller mobile 200, the payment service server 300 and the communication company server each having a controller, a communication unit, a display, a touch screen control, a date and time storage unit, an audio input / output unit, an application module, and an ESN storage unit, respectively ( In the payment service system using a mobile network having a 400),
The seller mobile 200,
A sales module 250 provided as part of the application module to perform a sales process of the seller mobile 200;
A reception number extraction module 210 for extracting a mobile number of a buyer who is a counterpart connected to a messenger or a network as part of the sales module 250;
An encryption / decryption module (211) for decrypting the encrypted data transmitted from the payment service server (300) as part of the sales module (250) and encrypting the information transmitted to the purchaser mobile (100);
As part of the sales module 250, a sales information creation module 212 for receiving and storing information for sale under the control of the controller 201 of the seller mobile 200 equipped with the sales module 250;
A sales completion information storage unit 213 which is generated from the sales module 250 and receives and stores the transaction details of sales completed from the payment service server 300;
Payment service system using a mobile network, characterized in that provided with
The sales information creation module 212 according to claim 6,
\ Enter and store information for sale by the seller before the transaction,
The information for sale includes a seller ID, product information including a product name and a product image, an amount, a seller mobile number, and a payment service system using a mobile network, characterized in that IPIN is included as a seller mobile ID.
The method of claim 7, wherein the IPIN as the merchant mobile ID,
Payment service system using a mobile network, characterized in that the information such as IPIN, IPIN password or IPIN ID to replace IPIN
The purchaser mobile 100, the seller mobile 200, the payment service server 300 and the communication company server each having a controller, a communication unit, a display, a touch screen control, a date and time storage unit, an audio input / output unit, an application module, and an ESN storage unit, respectively ( In the payment service system using a mobile network having a 400),
The payment service server 300,
Merchant database 310 is a file consisting of the data of the seller ID, the seller subscription carrier, the seller name / address, the seller mobile number, the seller mobile ID and the seller deposit account is classified by the seller using the seller ID as a file name; And,
Buyer database 320 in which one file consisting of data of Buyer ID, Buyer Signup Carrier, Buyer Name / Address, Buyer Mobile Number, Buyer Mobile ID, and Last Purchase Date / Time is stored by Buyer ID as file name. ;
Purchase payment information storage unit 330 for storing the purchase payment information transmitted from the buyer mobile 100,
The purchaser mobile 100 transmits information such as IPIN of the buyer mobile 100 and the seller mobile 200 from the received purchase payment information, or an IPIN password or an IPIN ID to replace the IPIN to the IPIN certification authority 500. And authentication unit 340 for authenticating the seller mobile 200;
Payment approval request information generation and approval receiving unit 350 for generating payment approval request information and transmitting the received approval to the carrier server 400 of the purchaser subscription communication company;
Billing service system using a mobile network, characterized in that consisting of the transaction completion information generating unit 360 for generating and transmitting the purchase completion information to the buyer mobile (100), and generates and sends the sale completion information to the seller mobile (200)
The purchaser mobile 100, the seller mobile 200, the payment service server 300 and the communication company server each having a controller, a communication unit, a display, a touch screen control, a date and time storage unit, an audio input / output unit, an application module, and an ESN storage unit, respectively ( In the driving method of the payment service system using a mobile network having a 400),
As an initial subscription model of seller mobile 200 for a payment service,
(A) the step of accessing the payment service server 300 by the seller mobile 200, the IPIN has been granted the IPIN from the IPIN certification authority 500 (S100);
(b) transmitting, by the seller mobile 200, the seller subscription application from the connected payment service server 300 (S101);
(c) then performing a seller subscription application in the seller mobile 200 (S102);
(d) seller data providing step of the seller mobile 200 providing seller data for payment service to the payment service server 300 (S103);
(e) then, the payment service server 300 provides the seller data to the IPIN certification authority 500 to verify whether the seller is a valid seller (S104).
(f) In the seller authentication request step (S104), the payment service server 300 transmits information for authentication, for example, IPIN, or an IPIN password or an IPIN ID that replaces IPIN, to an IPIN certification authority ( 500, the IPIN certification authority 500 notifies the payment service server 300 of the seller authentication information (S105);
(g) Subsequently, the payment service server 300 notified of the seller authentication information transmits a message indicating that the seller mobile 200 is registered with the seller ID and the sales module to the seller mobile 200, thereby registering the seller mobile 200. This step is completed (S106);
(h) as the registration of the seller mobile 200 is completed (S106), the sales module is mounted on the seller mobile 200 (S107) and is performed;
Method of driving a payment service system using a mobile network, characterized in that it comprises the steps of
In the seller data providing step (S103) of claim 10,
Merchant data provided by the seller mobile 200 to the payment service server 300,
Includes data from Merchant ID, Merchant Signup Carrier, Merchant Name / Address, Merchant Mobile Number, Merchant Mobile ID, and Merchant Deposit Account.
The seller data is
In the seller database 310 provided in the payment service server 300, a file composed of the data of the seller ID, the seller subscription carrier, the seller name / address, the seller mobile number, the seller mobile ID, and the seller deposit account is a seller ID. Method of driving a payment service system using a mobile network, characterized in that configured to be stored separately for each seller
The purchaser mobile 100, the seller mobile 200, the payment service server 300 and the communication company server each having a controller, a communication unit, a display, a touch screen control, a date and time storage unit, an audio input / output unit, an application module, and an ESN storage unit, respectively ( In the driving method of the payment service system using a mobile network having a 400),
As an initial subscription model of buyer mobile 100 for a payment service,
(a) a step of accessing the payment service server 300 online by the purchaser mobile 100 having received the IPIN from the IPIN certification authority 500 (S120);
(B) the buyer mobile 100 receives the buyer subscription application from the payment service server 300 (S121);
(C) then performing a buyer subscription application in the buyer mobile (100) (S122);
(d) buyer data providing step of providing, by the buyer mobile 100, seller data for receiving payment service by the purchaser subscription application to the payment service server 300 (S123);
(e) a purchaser authentication request step (S124) for the payment service server 300 to provide the purchaser data to the IPIN certification authority 500 to be authenticated as a valid seller;
(f) In the buyer authentication request step (S124), the payment service server 300, IPIN, or IPIN password or IPIN ID for replacing the IPIN as information for authentication to the IPIN certification authority 500 If provided, the IPIN certification authority 500 notifies the payment service server 300 of the buyer authentication information (S125);
(g) The payment service server 300 notified of the purchaser authentication information transmits a message indicating that the purchaser mobile 100 is registered with the purchaser ID and the purchase module to the seller mobile 200, thereby registering the purchaser mobile 100. Completing step S126;
(h) performing the installation of the purchase module (S127) on the buyer mobile 100 as the registration of the buyer mobile 100 is completed (S126);
Method of driving a payment service system using a mobile network, characterized in that it comprises the steps of
In the buyer data providing step of claim 12 (S123),
Seller data that the buyer mobile 100 provides to the payment service server 300,
Include buyer ID, buyer subscription carrier, buyer name / address, buyer mobile number, buyer mobile ID, and purchase date and time,
The buyer data
In the buyer database 320 provided in the payment service server 300, a file consisting of the buyer ID, the buyer's subscription carrier, the buyer's name / address, the buyer's mobile number, the buyer's mobile ID, and the date of the last purchase date and time is stored in the buyer ID. Method of driving a payment service system using a mobile network characterized in that the file name is stored separately for each buyer
The purchaser mobile 100, the seller mobile 200, the payment service server 300 and the communication company server each having a controller, a communication unit, a display, a touch screen control, a date and time storage unit, an audio input / output unit, an application module, and an ESN storage unit, respectively ( As a method of driving a payment service system using a mobile network having a 400),
a) first, by the controller 101 of the buyer mobile 100, always preparing purchase payment information through the purchase module 150 and storing the purchase payment information in the purchase payment information storage unit 113 (S200);
b) the controller 201 of the seller mobile 200 receives and stores the sales information through the sales information creating module 212 (S205);
c) following the above steps, the purchaser mobile 100 and the seller mobile 200 interconnect each other by a messenger or social network service using the purchaser ID and the seller ID received from the payment service server 300 (S210);
d) Following the request from the buyer mobile 100, the controller 201 of the seller mobile 200 reads the sales information from the sales information creation module 212, and together with the ESN of the seller mobile 100, the buyer mobile. Encrypting and transmitting through an encryption / decryption module (100) (S215);
e) After the controller 101 of the buyer mobile 100, which has received the sales information and the ESN of the seller mobile 100 in the step, decrypts the data through the encryption / decryption module 112, displays the sales information and purchases the payment information. Generating (S220);
f) the purchase payment information generated in the step (S220) is encrypted by the encryption / decryption module 112 by the controller 101 of the buyer mobile 100 is transmitted to the payment service server 300 (S225) ;
g) The payment service server 300 receiving the purchase payment information from the buyer mobile 100 decrypts the purchase payment information through the encryption / decryption unit 360, and generates payment approval request information from the purchase payment information to join the buyer. Transmitting to a telecommunication company server 400 (S230);
h) then the carrier server 400 of the subscriber subscription carrier service provider authenticates the buyer with the payment approval request information received from the payment service server 300 and transmits the payment approval information to the payment service server 300 (S235);
i) the payment service server 300 receiving the payment approval information transmits the purchase completion information to the buyer mobile 100 (S240);
Transmitting the sale completion information to the seller mobile 200 (S250); and
In addition, the communication company server 400 pays the transaction account of the payment service server 300 side (S245);
j) the buyer mobile 100 displays the received purchase completion information and stores it in the purchase completion information storage unit 114, and the seller mobile 200 displays the received sale completion information and the sale completion information storage unit Storing at 213;
k) when the goods are delivered from the seller to the buyer, the buyer performs a purchase decision with the buyer mobile 100 and transmits whether or not the purchase decision is made to the payment service server 300 (S260);
l) a payment service server 300 which receives the purchase decision from the buyer mobile 100 and then pays the amount of goods from the transaction account to the deposit account of the seller (S265);
m) a step in which the carrier server 400 of the buyer subscription carrier bills the amount paid for the buyer mobile 100 (S270);
Method of driving a payment service system using a mobile network, characterized in that consisting of steps of
In the step S200 of creating the purchase payment information of claim 14 and storing in the purchase payment information storage unit 113,
The purchase payment information is information that is input before the transaction by the buyer, the purchaser ID, IPIN of the buyer mobile ID, and always the purchase payment information 113a including the buyer mobile number,
The IPIN number is an IPIN, a method of driving a payment service system using a mobile network, characterized in that the IPIN password or IPIN ID to replace the IPIN
In step S205, the controller 201 of the seller mobile 200 of claim 14 receives and stores the sales information through the sales information creating module 212.
Inputted sales information; Seller ID, commodity information including item name and item image, amount, seller mobile number, IPIN as seller mobile ID,
The IPIN number is an IPIN, a method of driving a payment service system using a mobile network, characterized in that the IPIN password or IPIN ID to replace the IPIN
In the step (S215) of transmitting the encrypted information through the encryption / decryption module to the buyer mobile 100 with the ESN of the seller mobile 100 in claim 14,
ESN of the seller mobile 100 is extracted from the ESN storage unit 208 through the sales module 250 of the seller mobile 200 is transmitted method of using a mobile network, characterized in that the transmission
In the step (S220) of claim 14, the controller 101 generates the purchase payment information after decrypting through the encryption / decryption module 112,
Purchase payment information;
Always purchase payment information 113a, occasional purchase payment information 113b and the ESN and date and time information of the buyer mobile 100,
The occasional purchase settlement information 113b includes a seller ID, a product name, an amount, a seller mobile number, a seller mobile ID including an IPIN and an ESN, read from the received sales information,
The ESN of the buyer mobile 100 is read from the ESN storage unit 108 through the purchase module 150 by the controller of the buyer mobile 100,
The date and time information is read by the controller of the buyer mobile 100 from the date and time storage unit 105 through the date time extraction module 110, the method of driving a payment service system using a mobile network
The method of claim 14, In the step (S230) of generating payment approval request information from the purchase payment information to the carrier server 400 of the subscriber subscription carriers,
The payment approval request information includes a buyer subscription carrier, buyer name / address, buyer mobile number, IPIN as buyer mobile ID, buyer's transaction account number,
The payment service server 300 generates the payment approval request information and transmits the received IPINs of the buyer mobile 100 and the seller mobile 200 to the IPIN certification authority 500 before the payment approval request information is generated and transmitted to the communication company server 400 of the buyer subscription carrier. Authenticate to Buyer Mobile (100) and Seller Mobile (200) by sending to
The IPIN number transmitted to the IPIN certification authority 500 is IPIN, or a method of operating a payment service system using a mobile network, characterized in that the information of the IPIN password or IPIN ID to replace the IPIN.
The purchase completion information transmitted by the payment service server 300 to the buyer mobile 100 (S240) in claim 14,
Merchant ID, transaction number and date, item name / amount, seller name / address, seller mobile number;
The sale completion information transmitted by the payment service server 300 to the seller mobile 200 (250),
Method of driving a payment service system using a mobile network comprising a buyer ID, transaction number and date, article name / amount, buyer name / address, buyer mobile number
The purchaser mobile 100, the seller mobile 200, the payment service server 300 and the communication company server each having a controller, a communication unit, a display, a touch screen control, a date and time storage unit, an audio input / output unit, an application module, and an ESN storage unit, respectively ( A computer program for driving a payment service system using a mobile network having 400),
(A) the step of accessing the payment service server 300 by the seller mobile 200, the IPIN has been granted the IPIN from the IPIN certification authority 500 (S100);
(b) transmitting, by the seller mobile 200, the seller subscription application from the connected payment service server 300 (S101);
(c) then performing a seller subscription application in the seller mobile 200 (S102);
(d) seller data providing step of the seller mobile 200 providing seller data for payment service to the payment service server 300 (S103);
(e) then, the payment service server 300 provides the seller data to the IPIN certification authority 500 to verify whether the seller is a valid seller (S104).
(f) In the seller authentication request step (S104), the payment service server 300 transmits information for authentication, for example, IPIN, or an IPIN password or an IPIN ID that replaces IPIN, to an IPIN certification authority ( 500, the IPIN certification authority 500 notifies the payment service server 300 of the seller authentication information (S105);
(g) Subsequently, the payment service server 300 notified of the seller authentication information transmits a message indicating that the seller mobile 200 is registered with the seller ID and the sales module to the seller mobile 200, thereby registering the seller mobile 200. This step is completed (S106);
(h) as the registration of the seller mobile 200 is completed (S106), the sales module is mounted on the seller mobile 200 (S107) and is performed;
A computer program for driving a payment service system using a mobile network, comprising the steps of
The purchaser mobile 100, the seller mobile 200, the payment service server 300 and the communication company server each having a controller, a communication unit, a display, a touch screen control, a date and time storage unit, an audio input / output unit, an application module, and an ESN storage unit, respectively ( A computer program for driving a payment service system using a mobile network having 400),
(a) a step of accessing the payment service server 300 online by the purchaser mobile 100 having received the IPIN from the IPIN certification authority 500 (S120);
(B) the buyer mobile 100 receives the buyer subscription application from the payment service server 300 (S121);
(C) then performing a buyer subscription application in the buyer mobile (100) (S122);
(d) buyer data providing step of providing, by the buyer mobile 100, seller data for receiving payment service by the purchaser subscription application to the payment service server 300 (S123);
(e) a purchaser authentication request step (S124) for the payment service server 300 to provide the purchaser data to the IPIN certification authority 500 to be authenticated as a valid seller;
(f) In the buyer authentication request step (S124), the payment service server 300, IPIN, or IPIN password or IPIN ID for replacing the IPIN as information for authentication to the IPIN certification authority 500 If provided, the IPIN certification authority 500 notifies the payment service server 300 of the buyer authentication information (S125);
(g) The payment service server 300 notified of the purchaser authentication information transmits a message indicating that the purchaser mobile 100 is registered with the purchaser ID and the purchase module to the seller mobile 200, thereby registering the purchaser mobile 100. Completing step S126;
(h) performing the installation of the purchase module (S127) on the buyer mobile 100 as the registration of the buyer mobile 100 is completed (S126);
A computer program for driving a payment service system using a mobile network, comprising the steps of
The purchaser mobile 100, the seller mobile 200, the payment service server 300 and the communication company server each having a controller, a communication unit, a display, a touch screen control, a date and time storage unit, an audio input / output unit, an application module, and an ESN storage unit, respectively ( A computer program for driving a payment service system using a mobile network having 400),
a) first, by the controller 101 of the buyer mobile 100, always preparing purchase payment information through the purchase module 150 and storing the purchase payment information in the purchase payment information storage unit 113 (S200);
b) the controller 201 of the seller mobile 200 receives and stores the sales information through the sales information creating module 212 (S205);
c) following the above steps, the purchaser mobile 100 and the seller mobile 200 interconnect each other by a messenger or social network service using the purchaser ID and the seller ID received from the payment service server 300 (S210);
d) Following the request from the buyer mobile 100, the controller 201 of the seller mobile 200 reads the sales information from the sales information creation module 212, and together with the ESN of the seller mobile 100, the buyer mobile. Encrypting and transmitting through an encryption / decryption module (100) (S215);
e) generating the purchase payment information after the controller 101 of the buyer mobile 100, which has received the sales information and the ESN of the seller mobile 100 in the step, decrypts it through the encryption / decryption module 112 (S220). );
f) the purchase payment information generated in the step (S220) is encrypted by the encryption / decryption module 112 by the controller 101 of the buyer mobile 100 is transmitted to the payment service server 300 (S225) ;
g) The payment service server 300 receiving the purchase payment information from the buyer mobile 100 decrypts the purchase payment information through the encryption / decryption unit 360, and generates payment approval request information from the purchase payment information to join the buyer. Transmitting to a telecommunication company server 400 (S230);
h) then the carrier server 400 of the subscriber subscription carrier service provider authenticates the buyer with the payment approval request information received from the payment service server 300 and transmits the payment approval information to the payment service server 300 (S235);
i) the payment service server 300 receiving the payment approval information transmits the purchase completion information to the buyer mobile 100 (S240);
Transmitting the sale completion information to the seller mobile 200 (S250); and
In addition, the communication company server 400 pays the transaction account of the payment service server 300 side (S245);
j) the purchaser mobile 100 stores the received purchase completion information in the purchase completion information storage unit 114, and the seller mobile 200 stores the received sale completion information in the sale completion information storage unit 213. Making;
k) when the goods are delivered from the seller to the buyer, the buyer performs a purchase decision with the buyer mobile 100 and transmits whether or not the purchase decision is made to the payment service server 300 (S260);
l) a payment service server 300 which receives the purchase decision from the buyer mobile 100 and then pays the amount of goods from the transaction account to the deposit account of the seller (S265);
m) a step in which the carrier server 400 of the buyer subscription carrier bills the amount paid for the buyer mobile 100 (S270);
Computer program for operating a payment service system using a mobile network, characterized in that consisting of the steps of
In claim 23, in step S220, the controller 101 decrypts through the encryption / decryption module 112 and generates purchase payment information.
Purchase payment information;
Always purchase payment information 113a, occasional purchase payment information 113b and the ESN and date and time information of the buyer mobile 100,
The occasional purchase settlement information 113b includes a seller ID, a product name, an amount, a seller mobile number, a seller mobile ID including an IPIN and an ESN, read from the received sales information,
The ESN of the buyer mobile 100 is read from the ESN storage unit 108 through the purchase module 150 by the controller of the buyer mobile 100,
The date and time information is read out from the date and time storage unit 105 through the date time extraction module 110 by the controller of the buyer mobile 100 drives the payment service system using a mobile network, characterized in that Computer program
In claim 23, in the step S230 of generating payment approval request information from the purchase payment information and transmits to the communication company server 400 of the subscriber subscription carriers,
The payment approval request information includes a buyer subscription carrier, buyer name / address, buyer mobile number, IPIN as buyer mobile ID, buyer's transaction account number,
The payment service server 300 generates the payment approval request information and transmits the received IPINs of the buyer mobile 100 and the seller mobile 200 to the IPIN certification authority 500 before the payment approval request information is generated and transmitted to the communication company server 400 of the buyer subscription carrier. Authenticate to Buyer Mobile (100) and Seller Mobile (200) by sending to
The IPIN number transmitted to the IPIN certification authority 500 is an IPIN, a computer program for driving a payment service system using a mobile network, characterized in that the information of the IPIN password or IPIN ID to replace the IPIN.

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