KR20120005645A - Mobile payment system, mobile communication terminal for executing payment by using access point and method thereof - Google Patents

Mobile payment system, mobile communication terminal for executing payment by using access point and method thereof Download PDF

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Publication number
KR20120005645A
KR20120005645A KR1020100066178A KR20100066178A KR20120005645A KR 20120005645 A KR20120005645 A KR 20120005645A KR 1020100066178 A KR1020100066178 A KR 1020100066178A KR 20100066178 A KR20100066178 A KR 20100066178A KR 20120005645 A KR20120005645 A KR 20120005645A
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South Korea
Prior art keywords
payment
mobile communication
access network
wireless access
communication terminal
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KR1020100066178A
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Korean (ko)
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이종수
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에스케이플래닛 주식회사
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Priority to KR1020100066178A priority Critical patent/KR20120005645A/en
Priority to PCT/KR2011/000283 priority patent/WO2011087312A2/en
Publication of KR20120005645A publication Critical patent/KR20120005645A/en

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/20—Point-of-sale [POS] network systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • G06Q20/3227—Aspects of commerce using mobile devices [M-devices] using secure elements embedded in M-devices
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • G06Q20/3229—Use of the SIM of a M-device as secure element
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L9/00—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols
    • H04L9/32—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols including means for verifying the identity or authority of a user of the system or for message authentication, e.g. authorization, entity authentication, data integrity or data verification, non-repudiation, key authentication or verification of credentials
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04W—WIRELESS COMMUNICATION NETWORKS
    • H04W4/00—Services specially adapted for wireless communication networks; Facilities therefor
    • H04W4/12—Messaging; Mailboxes; Announcements
    • H04W4/14—Short messaging services, e.g. short message services [SMS] or unstructured supplementary service data [USSD]
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04W—WIRELESS COMMUNICATION NETWORKS
    • H04W88/00—Devices specially adapted for wireless communication networks, e.g. terminals, base stations or access point devices
    • H04W88/08—Access point devices

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  • Engineering & Computer Science (AREA)
  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • General Physics & Mathematics (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • Theoretical Computer Science (AREA)
  • Signal Processing (AREA)
  • Computer Security & Cryptography (AREA)
  • Finance (AREA)
  • Telephonic Communication Services (AREA)
  • Mobile Radio Communication Systems (AREA)

Abstract

The present invention relates to a mobile payment system and a mobile communication terminal technology for performing a payment using a wireless access network. The present invention relates to an AP_ID in a payment and membership server by delivering mobile communication terminal information input to a POS system of an offline store to a payment and membership server. Transmit the included message to the mobile communication terminal, and perform integrated payment with the terminal information, credit card information, membership card information, etc. stored in the mobile communication terminal by accessing the payment server using the unique AP in the offline store from the mobile communication terminal Characterized in that. According to the present invention, by performing a payment using a wireless access network in the offline store, it is possible to prevent theft of the mobile number of another person in the remote, by using the WIFI network, to reduce the load on the mobile communication network, It is possible to prevent the added cost of the wireless Internet access.

Description

Mobile payment system, mobile communication terminal and method for performing payment using wireless access network {MOBILE PAYMENT SYSTEM, MOBILE COMMUNICATION TERMINAL FOR EXECUTING PAYMENT ACCESS POINT AND METHOD THEREOF}

The present invention relates to a payment service using a mobile communication terminal, and more particularly, a terminal stored in a mobile communication terminal through a connection with a payment server using a unique access point (AP) in an offline store in a mobile communication terminal. The present invention relates to a mobile payment system, a mobile communication terminal, and a method for performing a payment using a wireless access network suitable for performing integrated payment with information, credit card information, membership card information, and the like.

Recently, various advances in wireless communication services using wireless networks have been provided as computers, electronics, and communication technologies have advanced dramatically. Accordingly, the service provided by the mobile communication system using the wireless communication network is evolving into a multimedia communication service that transmits various data such as circuit data and packet data as well as voice service. There is a trend.

With this trend, mobile communication terminals such as mobile phones have become a necessity of modern people.In addition to the inherent function of voice calls, various portable digital devices (e.g. cameras, MP3s, game machines, etc.) It is widely used in the form of including functions as additional functions.

Meanwhile, as one of the additional functions described above, a payment function using a mobile communication terminal has been developed based on the characteristic that a mobile communication terminal such as a wallet is always carried to a user. In addition, the payment function has been tried a lot in the world, especially in Korea and Japan, and in particular, the smart card such as the Universal Subscriber Identity Module (USIM) is essential to the mobile terminal as it is changed to 3G Wideband Code Division Multiple Access (WCDMA). As standardized as possible, mobile payments using the same smart card are faced with an opportunity to become more active.

However, such smart card payment method was not activated much, because it is inconvenient, complicated procedure, and did not provide a better function than the plastic credit card or cash payment method.

Conventionally, in order to make a payment with a mobile terminal, a payment related program has to be executed in a mobile communication terminal, a password is pressed, and a payment is made by irradiating or contacting infrared rays toward an RF device (for example, a dongle).

In addition, the existing in-store payment system is available only for payment itself, and memberships and point cards that can receive discounts and credits during payment are presented as plastic cards separately from mobile terminals or processed by mobile phones, regardless of payment. There was an inconvenience of having to go through the discount procedure once more.

In the conventional payment method of a mobile communication terminal operating as described above, if a financial transaction is performed at an offline store through a smart card mounted on the mobile communication terminal, and the membership function is stored in the smart card, Consolidated payment was used.

However, if there is no existing membership information stored on the smart card, ask the employee of the offline store for discount information and whether to apply the membership to check the discount information, or the user directly accesses the wireless Internet through the mobile terminal and searches for the offline store. After that, since the discount and coupon information of the searched offline store must be checked and used to download the coupon information, there is a troublesome procedure, and there is a problem that the cost of the wireless Internet access may be added.

Accordingly, an embodiment of the present invention, a mobile payment system for performing a payment using a wireless access network that can perform payment through a connection with a payment server using a unique wireless access network (AP) in an offline store in a mobile communication terminal, mobile communication terminal And a method thereof.

In addition, the embodiment of the present invention transmits the mobile communication terminal information input to the POS system of the offline store to the payment and membership server to transmit a message including the wireless access network ID (AP_ID) from the payment and membership server to the mobile communication terminal, Using a wireless access network that can perform integrated payment with terminal information, credit card information, membership card information, etc. stored in the mobile communication terminal by accessing a payment server using a unique wireless access network (AP) in an offline store in the mobile communication terminal. Provided are a mobile payment system, a mobile communication terminal, and a method of performing a payment.

According to an embodiment of the present invention, a POS system that receives user information for payment of a service or a product provided in an offline store, receives payment history information and the user information from the POS system, and receives the user information. A message including a phone number of the mobile communication terminal included in the mobile terminal and a previously searched wireless access network ID (AP_ID) of the offline store are requested to the mobile communication company server to request message transmission, and interlocked through the wireless access network of the offline store. And a payment and membership server that transmits the payment history information to the mobile communication terminal and receives payment and information on at least one payment means from the mobile communication terminal.

The payment and membership server may further include an access password of the AP_ID when a message transmission request is made to the mobile communication company server.

When the mobile communication company server receives a request for transmission of a message including AP_ID from the payment and membership server, the mobile communication company server transmits a message including AP_ID to the mobile communication terminal.

The mobile telecommunication company server may further include a payment virtual machine execution command for performing a payment in the mobile communication terminal in the message.

In one embodiment of the present invention, a mobile communication terminal receives a message from a memory unit including a plurality of payment means information and a mobile communication company server, and uses a wireless access network ID (AP_ID) included in the message to wirelessly store an offline store. A control unit connected to an access network and interworking with a payment and membership server, and when payment history information is received from the payment and membership server, the payment means information selected from the plurality of payment means information is transmitted to the payment and membership server for payment. Includes a payment virtual machine to perform.

The controller may generate a plurality of wireless access network lists that can be accessed at a predetermined distance using the RF unit, and if the same wireless access network as the AP_ID is found in the plurality of wireless access network lists, requesting access to the found wireless access network. It features.

The payment virtual machine may display the plurality of payment means information upon receiving the payment history information, and if a command for selecting at least one payment means information is input, transmit the selected payment means information to the payment and membership server. It is characterized by performing a payment.

When the message received from the mobile telecommunication company server includes the access password for AP_ID, the controller transmits the access password to the wireless access network.

The controller may control the payment virtual machine to be driven when the message received from the mobile communication company server includes an execution command of the payment virtual machine.

According to one embodiment of the present invention, when the user information for payment for a service or a product provided in an offline store in a POS system is input, the process of transmitting to the payment and membership server together with the generated payment history information; The wireless access network ID (AP_ID) of the offline store is searched by the payment and membership server, and the AP_ID and the telephone number of the mobile communication terminal included in the user information are transmitted to the mobile communication company server to transmit a message to the mobile communication terminal. Requesting, when the mobile communication terminal is connected to the wireless access network corresponding to AP_ID based on the message and interworking with each other, transmitting the payment details to the mobile communication terminal, and at least one payment means from the mobile communication terminal. If you have received the information, perform payment and accrual with the appropriate payment method. It includes the process.

The request for message transmission to the mobile communication terminal may further include an access password of the wireless access network.

According to another embodiment of the present invention, a method of receiving a message including a wireless access network ID (AP_ID) from a mobile communication server in a mobile communication terminal, and accessing a wireless access network of an offline store using the AP_ID, a payment and membership server Interworking with the payment and membership server, and receiving payment history information from the payment and membership server, and transmitting payment information selected from a plurality of payment method information to a payment and membership server to perform payment. do.

The interworking with the payment and membership server may include generating a plurality of wireless access network lists accessible from the mobile communication terminal at a predetermined distance, and searching for the same wireless access network as the AP_ID in the plurality of wireless access network lists. The method may further include requesting access to the found wireless access network.

The interworking with the payment and membership server may further include performing a connection by transmitting the access password to the wireless access network when the access password of the AP_ID is included in the message received from the mobile communication company server. Characterized in that.

And if the execution command of the payment virtual machine is included in the message received from the mobile communication company server, controlling the payment virtual machine in the mobile communication terminal to be driven.

According to another embodiment of the present invention, a process of receiving user information and payment history information from a POS system in an offline store in a payment and membership server, and searching for a wireless access network ID (AP_ID) of the offline store and the searched AP_ID and Requesting a message transmission to the mobile communication terminal by transmitting the phone number of the mobile communication terminal included in the user information to the mobile communication company server, and accessing the wireless access network corresponding to the AP_ID based on the message. In the case of interlocking, the payment details are transmitted to the mobile communication terminal, and when the at least one payment method information is received from the mobile communication terminal, the payment and accumulation are performed by the corresponding payment method.

The message transmission request may further include an access password of the AP_ID and transmit it to the mobile communication company server.

In the present invention, effects obtained by representative ones of the disclosed inventions will be briefly described as follows.

The present invention, by performing a payment using a wireless access network in the offline store, it is possible to prevent theft of the mobile number of other people in the remote, to reduce the load on the mobile communication network, and to prevent the user from the cost of the wireless Internet access It can work.

1 is a block diagram of a mobile communication terminal according to an embodiment of the present invention;
2 is a network diagram of a mobile payment system using a wireless access network according to an embodiment of the present invention;
3 is a flowchart illustrating an operation procedure of a mobile payment system using a wireless access network according to an embodiment of the present invention.

Hereinafter, the operating principle of the present invention will be described in detail with reference to the accompanying drawings. In the following description of the present invention, if it is determined that a detailed description of a known function or configuration may unnecessarily obscure the subject matter of the present invention, the detailed description thereof will be omitted. The following terms are defined in consideration of the functions of the present invention, and may be changed according to the intentions or customs of the user, the operator, and the like. Therefore, the definition should be based on the contents throughout this specification.

An embodiment of the present invention is to perform a payment using a wireless access network that can perform payment through a connection with a payment server using a unique wireless access network (AP) in an offline store in a mobile communication terminal.

1 is a block diagram of a mobile communication terminal according to an embodiment of the present invention.

Hereinafter, an operation of each component of the mobile communication terminal will be described in detail with reference to FIG. 1.

The mobile communication terminal 100 includes a keypad 102, a memory unit 104, a display unit 106, a control unit 108, an RF unit 110, an audio unit 112, a payment virtual machine 114, an interface unit ( 116, USIM unit 118, and the like.

First, the RF unit 110 refers to a comprehensive configuration of the high frequency processing unit, the intermediate frequency processing unit and the baseband processing unit, and transmits voice and various multimedia data from an external wireless communication network received through an antenna ANT at a wireless communication band frequency. The process may be performed sequentially, and the intermediate frequency processing for lowering it back to a lower frequency band, and the signal may be processed into a signal of a frequency band that may be processed by the controller 108.

In addition, the RF unit 110 may include a wireless modem function capable of performing a connection using a wireless access network (AP) and a radio frequency at a certain distance. In this case, the wireless modem requests a connection to a wireless access network (AP) using a wireless LAN method of an IEEE802.11 series (for example, WIFI). Accordingly, the wireless access network (AP) accesses the wireless modem through a predetermined authentication method. Can allow connections to

 The audio unit 112 may modulate a voice signal input through a microphone MIC into a wireless signal under the control of the controller 108, and demodulate the received wireless signal and transmit the demodulated wireless signal to the speaker SPK as a voice signal. .

The keypad 102 includes a plurality of numeric keys, and generates corresponding key data when the user presses a predetermined key and outputs the corresponding key data to the controller 108. As described above, the keypad 102 has a difference in character arrangement by manufacturer and country, or in some smartphones, instead of a physical keypad, a touch screen on the display unit 106 as needed in software mode. It is also possible to provide a keypad that is displayed in a format.

The display unit 106 displays various information of the mobile communication terminal 100 under the control of the controller 108, and receives and displays key data generated from the keypad 102 and various information signals of the controller 108.

The payment virtual machine (VM) 114 is driven when a request for mobile payment is received from a payment and membership server linked to an offline store wireless access network (AP) and a point of sale (POS) system. At least any one of a plurality of credit card information and membership card information registered in the mobile communication terminal 100, payment means using coupons and point information, mobile phone payment means using the number of the mobile terminal, account transfer means using the user account information It may be implemented as a hardware or an application that can deliver one payment method information to the RF unit (110).

In this case, the RF unit 110 interworks with a payment and membership server through an access wireless access network (AP), and transmits payment method information to an interlocked payment and membership server to purchase goods or services from an offline store (eg, an affiliated store). The payment can be performed, and after the payment is completed, payment information and membership points usage and accumulation information can be received from the payment and membership server.

The interface unit 116 interfaces data transmitted / received between the main body of the mobile communication terminal 100 and the USIM unit 118. The USIM unit 118 stores, manages, and provides basic authentication information necessary for communication, including a user authentication module of the mobile communication terminal 100, and stores an additional application for storing and managing an application other than a communication related application. It may include memory and arithmetic units.

The control unit 108 controls the overall operation of the mobile communication terminal 100 according to the operation program stored in the memory unit 104. The operation program as described above connects the display unit 106 and the keypad 102 as well as a basic operating system required for the operation of the mobile communication terminal 100, manages input / output of data, or executes a mobile communication terminal. Software that is preprogrammed at the time of manufacture to operate an internal application or the like of 100 may be collectively referred to.

The controller 108 may be controlled to be connected to the wireless access network by using the RF unit 110, and may control the payment virtual machine 114 to be able to perform a payment through a payment means selected by the user.

The memory unit 104 may include payment information such as user information, account information, a plurality of credit card information, and various membership cards, coupons, and point information for performing a mobile payment service in the mobile communication terminal 100. Can be. However, such payment means information may be included in a separate storage medium, or may be included in the USIM unit 118, which may vary depending on the implementation manner of those skilled in the art of implementing the present invention.

2 is a network diagram of a mobile payment system using a wireless access network according to an embodiment of the present invention.

Referring to FIG. 2, the mobile payment system includes a wireless access network 200 wirelessly connected to the mobile communication terminal 100, a payment and membership server 210, a mobile communication company 220, a POS system 230, and a card company server 240. ) May be included.

First, the memory unit 104 of the mobile communication terminal 100 stores a plurality of credit card information (for example, card number, expiration date, CVC number, etc.), membership card information, coupon, point information, payment virtual machine 114 may be previously downloaded by the user or may be pre-installed to enable integrated payment using a plurality of payment means when performing mobile payment.

Accordingly, when the user information such as a phone number, membership card number, user ID, name, etc. of the mobile communication terminal 100 is received from the POS system 230 installed in the offline store, it may be transmitted to the payment and membership server 210. .

The payment and membership server 210 is interworking with POS systems installed in a plurality of stores having memberships with each service or mobile carrier, and when receiving user information and payment history information from such POS systems, the received user The phone number of the mobile communication terminal 100 can be confirmed from the information.

In addition, since the payment and membership server 210 includes a list of wireless access networks for each offline store, the AP_ID and the access password of AP_ID can be selectively moved in the offline store where the user having the mobile communication terminal 100 is located. Transfer to a communication company (SMS server) 220, it may request to send an SMS message to the phone number of the mobile communication terminal (100).

In this case, the mobile communication company (SMS server) 220 transmits an SMS message including the AP_ID of the corresponding offline store to the phone number of the mobile communication terminal 100 transmitted from the payment and membership server 210, and at this time, the payment virtual machine You can include the execution command of.

The control unit 108 of the mobile communication terminal 100 may receive an SMS message from the mobile communication company (SMS server) 220, and the received SMS message includes AP_ID for accessing the offline store and performing mobile payment. Since it is included, the RF unit 110 may generate a list of accessible wireless access networks around the offline store, and if there is an AP_ID previously received from the generated wireless access network list, the AP_ID may request a connection.

In this case, the payment and membership server 210 transmits the payment details when the mobile communication terminal 100 is interworked through the wireless access network 200 corresponding to the AP_ID, and receives the selected payment method information from the mobile communication terminal 100. In this case, a payment may be performed by accessing an operator server for payment using a corresponding payment method, and may transmit the completed payment completion message to the mobile communication terminal 100 and the POS system 230.

For example, in the case of credit card payment, point payment and earning, the card company server 240 is connected to perform the card payment for the user, and in the case of the use and accumulation of mobile membership points to the mobile carrier 220 Request access and use of membership points.

And in the case of using the coupon of the offline store can request the use of the coupon in conjunction with the POS system 230, and if you are subscribed to the membership of the offline store in conjunction with the POS system 230 to earn membership discounts, points use, etc. Can be done.

On the other hand, although not shown, in the case of an account transfer, payment of goods or services may be performed through an online banking service with a corresponding bank.

3 is a flowchart illustrating an operation procedure of a mobile payment system using a wireless access network according to an embodiment of the present invention.

Referring to FIG. 3, a user carrying a mobile communication terminal 100 visits an offline store to request payment for a service or an item, and at the same time, user information registered in a membership of a store or a membership associated with a mobile carrier. (E.g. phone number, membership card number, user ID, name) to the clerk.

The clerk inputs the user information of the user to the POS system 230 (S300) and requests a payment, and the POS system 230 transmits the corresponding user information and the payment details to the payment and membership server 210 (S302).

The payment and membership server 210 authenticates whether or not the user information is already registered from the user information and extracts the ID (hereinafter referred to as AP_ID) of the wireless access network that is available in the corresponding offline store. In step S304, the mobile phone terminal 100 and the AP_ID extracted from the user information are transferred (S304), and a message transmission request is sent to the corresponding mobile communication terminal 100.

In this case, the mobile communication company (SMS server) 220 transmits an SMS message including the AP_ID to the phone number received from the payment and membership server 210 (S306). In this case, the payment in the mobile communication terminal 100 of the user is performed. AP_ID (in this case, only AP_ID may be transmitted, or AP_ID and authentication password may be transmitted together) including a command that the virtual machine 114 may automatically run or that the payment virtual machine 114 is started. Can be passed together. On the other hand, in the embodiment of the present invention, but limited to the SMS server and SMS message, for example, it is possible to transmit a multi-message including a sound, an image, an image, and the like.

The control unit 108 of the mobile communication terminal 100 receives a command from an SMS message transmitted from the mobile communication company (SMS server) 220 to automatically drive the payment virtual machine 114, or the user manually pays for the payment. The machine 114 is driven, and the list of accessible wireless access networks around the offline store is generated using the RF unit 110 in the mobile communication terminal 100.

The mobile communication terminal 100 checks whether there is an AP_ID provided by the mobile communication company (SMS server) 220 based on the generated wireless access network list, and if there is a matching AP_ID, waits for a user's selection command or automatically selects the AP_ID. A request is made to access the corresponding wireless access network 200 through S308.

At this time, although not shown in the wireless access network 200, the user information may be received before the connection request of the mobile communication terminal 100 from the payment and membership server 210, and after confirming the authentication (S310), Allow the connection.

In this case, the mobile communication terminal 100 may interwork with the payment and membership server 210 through the wireless access network 200 (S312). In the payment and membership server 210, the mobile communication terminal 100 is interlocked with each other. This is confirmed based on the user information (or phone number), and the payment history information corresponding to the corresponding mobile communication terminal 100 is transmitted to the mobile communication terminal 100 (S314).

The payment virtual machine 114 of the mobile communication terminal 100 having received the payment details is displayed on the display unit 106 and requests the payment method selection to wait for a user's input command.

Accordingly, the user may select at least one payment method based on a plurality of credit card information, membership card information, coupon, credit card or membership point stored in the memory unit 104 of the mobile communication terminal 100 (S316). The payment virtual machine 114 requests a payment to the payment and membership server 210 based on the payment means information input by the user (S318). On the other hand, if the user has already set a payment method, the payment and membership server 210 requests a payment based on the previously selected payment method information (S318).

The payment and membership server 210 performs a payment through the mobile communication company 220 or the card company server 240 using the payment means received from the mobile communication terminal 100 (S320). That is, when the selected payment method is a credit card, the card company server 240 requests payment approval and obtains an authorization number from the card company server 240.

When the payment is completed, the payment completion message is transmitted to the POS system 230 and the mobile communication terminal 100 (S322, S324) and the POS system 230 displays the corresponding information on the receipt for the user, and the mobile communication terminal ( In operation 100, the corresponding information is stored or the payment completion message is displayed on the display unit 106 to be displayed to the user.

As described above, the embodiment of the present invention transmits the mobile terminal information input to the POS system of the offline store to the payment and membership server, and transmits a message including AP_ID from the payment and membership server to the mobile communication terminal. The communication terminal performs integrated payment with terminal information, credit card information, membership card information, etc. stored in the mobile communication terminal through a connection with a payment server using a unique wireless access network (AP) in an offline store.

While the present invention has been described in connection with what is presently considered to be the most practical and preferred embodiment, it is to be understood that the invention is not limited to the disclosed embodiments, but is capable of various modifications within the scope of the invention. Therefore, the scope of the present invention should not be limited to the described embodiments, but should be defined not only by the scope of the following claims, but also by those equivalent to the scope of the claims.

As described above, the mobile payment system, the mobile terminal and the method for performing a payment using a wireless access network according to the present invention by performing a payment using a wireless access network in the offline store, it is to steal the mobile number of another person in the remote It is possible to reduce the load on the mobile communication network, and to prevent the user from adding the cost due to the wireless Internet access, which had to be accessed for payment.

100: mobile communication terminal 104: memory unit
114: payment virtual machine 200: wireless access network (AP)
210: payment and membership server 220: mobile carrier (SMS server)
230: POS system 240: card company server

Claims (17)

A POS system that inputs user information for payment of services or products provided in an offline store,
Receiving payment history information and the user information from the POS system, and a message including the telephone number of the mobile communication terminal included in the user information and the wireless access network ID (AP_ID) of the offline store previously found to the mobile communication company server Request to transmit a message, transmit the payment history information to the mobile communication terminal interworked through the wireless access network of the offline store, and receive the at least one payment means information from the mobile communication terminal; Payment and membership server to perform payments and earning with
Mobile payment system for performing a payment using a wireless access network comprising a. The method of claim 1,
The payment and membership server,
The mobile payment system for performing a payment using a wireless access network, characterized in that further including the access password of the AP_ID when the message transmission request to the mobile communication company server. The method of claim 1,
The mobile communication company server,
The mobile payment system for performing a payment using a wireless access network, characterized in that for transmitting a message including the AP_ID from the payment and membership server request to send a message including the AP_ID. The method of claim 2,
The mobile communication company server,
And a payment virtual machine execution command for performing payment in the mobile communication terminal in the message. A memory unit including a plurality of payment means information;
A control unit for receiving a message from a mobile communication company server and accessing a wireless access network of an offline store by using a wireless access network ID (AP_ID) included in the message and interworking with a payment and membership server;
When the payment history information is received from the payment and membership server, a payment virtual machine for transmitting the selected payment means information of the plurality of payment means information to the payment and membership server to perform the payment
Mobile communication terminal for performing a payment using a wireless access network comprising a. 6. The method of claim 5,
The control unit,
Create a list of a plurality of wireless access network that can be connected at a certain distance using the RF unit,
When the same wireless access network as the AP_ID is found in the plurality of wireless access network list, the mobile communication terminal for making a payment using the wireless access network, characterized in that requesting access to the found wireless access network. 6. The method of claim 5,
The payment virtual machine,
When the payment history information is received, the plurality of payment means information is displayed, and when a command for selecting at least one payment means information is input, the selected payment means information is transmitted to the payment and membership server to perform a payment. Mobile communication terminal for performing a payment using a wireless access network. 6. The method of claim 5,
The control unit,
When the message received from the mobile communication company server includes the access password for AP_ID, the mobile communication terminal to perform the payment using the wireless access network, characterized in that the connection by transmitting the access password to the wireless access network. 6. The method of claim 5,
The control unit,
If the message received from the mobile communication company server includes the execution command of the payment virtual machine, the mobile communication terminal for performing a payment using a wireless access network, characterized in that the control to run the payment virtual machine. If the POS system receives user information for payment for a service or product provided in an offline store, the POS system transmits the generated payment history information to the payment and membership server.
The wireless access network ID (AP_ID) of the offline store is searched by the payment and membership server, and the AP_ID and the telephone number of the mobile communication terminal included in the user information are transmitted to the mobile communication company server to transmit a message to the mobile communication terminal. The request process,
Transmitting the payment details to the mobile communication terminal when the mobile communication terminal is connected to the wireless access network corresponding to the AP_ID based on the message and interworked;
In the case of receiving at least one payment means information from the mobile communication terminal, the process of performing payment and accumulation with the corresponding payment means
Payment method using a wireless access network comprising a. The method of claim 10,
The process of requesting message transmission to the mobile communication terminal,
The payment method using a wireless access network characterized in that it further comprises a connection password of the wireless access network. Receiving a message including a wireless access network ID (AP_ID) from a mobile communication server in a mobile communication terminal;
Interworking with a payment and membership server by accessing a wireless access network of an offline store using the AP_ID;
When the payment history information is received from the payment and membership server, a process of performing a payment by transmitting the selected payment means information of the plurality of payment means information stored in the memory unit to the payment and membership server
Payment method using a wireless access network comprising a. The method of claim 12,
The process of interworking with the payment and membership server,
Generating a plurality of wireless access network lists accessible from the mobile communication terminal at a predetermined distance;
Requesting access to the found wireless access network when the same wireless access network as the AP_ID is found in the plurality of wireless access network lists;
Method for performing payment using a wireless access network, characterized in that it further comprises. The method of claim 13,
The process of interworking with the payment and membership server,
When the access password of the AP_ID is included in the message received from the mobile communication company server, performing the access by transmitting the access password to the wireless access network.
Method for performing payment using a wireless access network, characterized in that it further comprises. The method of claim 12,
If the message received from the mobile communication company server includes an execution command of the payment virtual machine, controlling the payment virtual machine in the mobile communication terminal to be driven
Method for performing payment using a wireless access network, characterized in that it further comprises. Receiving user information and payment history information from a POS system in an offline store at a payment and membership server;
Searching for a wireless access network ID (AP_ID) of the offline store and transferring the searched AP_ID and the telephone number of the mobile communication terminal included in the user information to a mobile communication company server to request message transmission to the mobile communication terminal;
Transmitting the payment details to the mobile communication terminal when the mobile communication terminal is connected to the wireless access network corresponding to AP_ID based on the message and interworked;
In the case of receiving at least one payment means information from the mobile communication terminal, the process of performing payment and accumulation with the corresponding payment means
Payment method using a wireless access network comprising a. 17. The method of claim 16,
The process of requesting the message transmission,
The payment method of using a wireless access network, characterized in that further comprising the AP_ID access password to pass to the mobile communication server.
KR1020100066178A 2010-01-15 2010-07-09 Mobile payment system, mobile communication terminal for executing payment by using access point and method thereof KR20120005645A (en)

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KR1020100066178A KR20120005645A (en) 2010-07-09 2010-07-09 Mobile payment system, mobile communication terminal for executing payment by using access point and method thereof
PCT/KR2011/000283 WO2011087312A2 (en) 2010-01-15 2011-01-14 Method for providing a payment service, and system, apparatus, and terminal for same

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Cited By (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR20140012001A (en) * 2013-07-31 2014-01-29 주식회사 스마트테크 System for next generation kiosk type order based on smart phone payment and payment method
US11042868B2 (en) 2018-01-26 2021-06-22 Samsung Electronics Co., Ltd Electronic device and method for supporting automatic Wi-Fi connection with enhanced security method when making electronic wallet payment

Cited By (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR20140012001A (en) * 2013-07-31 2014-01-29 주식회사 스마트테크 System for next generation kiosk type order based on smart phone payment and payment method
US11042868B2 (en) 2018-01-26 2021-06-22 Samsung Electronics Co., Ltd Electronic device and method for supporting automatic Wi-Fi connection with enhanced security method when making electronic wallet payment
US11556916B2 (en) 2018-01-26 2023-01-17 Samsung Electronics Co., Ltd Electronic device and method for supporting automatic Wi-Fi connection with enhanced security method when making electronic wallet payment

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