KR20120025022A

KR20120025022A - Mobile payment method using mileage points and system therefor

Info

Publication number: KR20120025022A
Application number: KR1020100085259A
Authority: KR
Inventors: 이송원
Original assignee: 주식회사 시스모어
Priority date: 2010-09-01
Filing date: 2010-09-01
Publication date: 2012-03-15

Abstract

Disclosed are a mobile payment method and a system using mileage points. When the seller's terminal transmits the seller's identification information, the purchase amount, and the buyer's mobile phone number to the mobile payment system, the payment request is sent to the buyer's mobile phone to obtain the buyer's approval. Upon receipt of the buyer's approval from the buyer's mobile phone, the mobile payment system retrieves the mileage points associated with the buyer's mobile phone number from the database and subtracts the mileage points corresponding to the purchase amount from the retrieved mileage points. In addition, the bank account information of the seller is inquired and the bank computer system is requested to remit all or part of the purchase amount to the payment bank account of the seller. If the seller is not an affiliated store, it requests the merchant's payment bank account information from the seller's terminal and stores the information in a database to issue an affiliated store ID to register as a member of the affiliated store. By broadly opening the doors of merchant members and allowing subscriptions to be made by simple procedures, the use of mileage points can be expanded almost unlimitedly. In contrast, the purchaser's mobile phone may make a payment request first.

Description

Mobile payment method using mileage points and system {mobile payment method using mileage points and system therefor}

The present invention relates to a method and system for paying a purchase price of goods or services instead of a mileage point of a buyer. More specifically, when a member manages a mileage point, and a member or a store requests payment for the purchase of the member's goods or services, the member's mileage point is used to replace the purchase cost with the member. The present invention relates to a method for providing a payment service and a system therefor.

After purchasing goods such as goods or services, payment of the purchase amount is usually made by cash or credit card or cash card. However, in addition to the burden of carrying cash at all times, there is a risk of losing cash. Because of this problem, payment by credit card is often preferred. The payment method using a credit card is convenient in that the card user does not need to carry cash. However, there is the inconvenience of carrying a credit card at all times and the risk of a safety accident due to the loss of the card. (The card user's signature is verified through the signature of the credit card owner, but the lost card acquirer is not accepted until the loss report is received.) Does not prevent you from using your card). From the seller's point of view, the card slip must be issued, and the slip must be collected and billed separately to the card company. In addition, the fee provided to the card company is not a small amount, which burdens the seller. In addition, in order to establish a card payment system, the seller must bear the cost of installing a card reader. The payment method using a cash card is a method of paying cash through a buyer's bank account connected to the cash card when the buyer requests a payment by cash card. This method also has a similar inconvenience as a credit card payment method, such as having to carry a cash card.

Considering these points, if the buyer does not lose money, such as cash or card loss, and if the payment method is provided without the inconvenience of carrying, there is a high possibility of preferring it.

Meanwhile, in commerce, it is common for a seller to earn mileage points as a reward for a purchaser to a buyer who purchases his product or service. However, the reality is that it is hard to say that all the accumulated mileage points are used properly. In particular, using the mileage points in online shopping is not difficult, but there are many limitations and inconveniences in using them at offline stores. When a person who purchases a certain product in an offline store wants to pay for the purchase amount using his / her mileage points, according to the existing method of using mileage points, the buyer must first check whether his mileage points can be used in this store. . This is because the existing method has a 'closed' policy on the use of the mileage points, so that the accumulated mileage points can not be easily used anywhere like cash. Even where points can be redeemed, only a portion of the purchase amount is allowed, but only the mileage points. In most cases, buyers who wish to pay with points may be required to carry their own loyalty cards.

Due to such limitations and inconveniences, the use of mileage points is not activated, which is why marketing strategies that try to induce consumer loyalty through mileage points are not functioning. .

The present invention is to solve the problems of the conventional payment methods described above, the mobile payment method using a mileage point that provides a service that allows the buyer to pay the purchase amount to the mileage point anywhere in the offline store if the buyer has only a mobile phone and It is an object of the present invention to provide a system. Specifically, the present invention provides a mobile payment method and a system for allowing a purchaser to pay a purchase amount with their mileage points if they have their own mobile terminal without having to carry cash, credit card or loyalty card. It is done. That is, the purpose of the purchaser is to enable his mileage points to be used as cash just by going through his confirmation through the mobile terminal. The present invention also provides a so-called 'mileage point settlement type', which allows payment of the purchase amount in its mileage points to any offline store, provided that the user desires it, provided that the seller has the basic requirements. It is an object of the present invention to provide a mobile payment method and a system that can apply the 'open operating policy of offline stores'. Furthermore, in order to settle the purchase price as mileage points, an object of the present invention is not to be limited to a part of the purchase amount, but to allow the entire purchase amount to be paid as mileage points. It is also an object of the present invention to enable a seller of an offline store to receive a payment using a pre-installed POS device, a computer, or a mobile terminal without installing a payment device such as a card reader.

According to an aspect of the present invention for achieving the above object, as a method of paying the purchase price to the seller in the mileage point of the buyer on behalf of the buyer who purchased the product from the seller of the offline store,

In accordance with a seller's instructions, a first step of the seller's terminal requesting payment of the purchase amount while transmitting at least the identification information of the seller, the purchase amount, and the purchaser's mobile phone number to the mobile payment system;

When the mobile payment system searches its own database and there is no payment bank account information of the seller corresponding to the identification information of the seller, request the seller's payment bank account information to the terminal of the seller, A second step of receiving and storing the payment bank account information of the seller transmitted from the terminal of the seller in response to the payment;

A third step of the mobile payment system requesting the purchaser's approval while transmitting the payment request details of the purchase amount to the mobile phone of the buyer;

A fourth step of transmitting, by the buyer's mobile phone, the buyer's approval for the payment request to the mobile payment system according to the buyer's approval instruction;

Receiving, by the mobile payment system, a mileage point associated with the mobile phone number of the buyer in the database, and subtracting a mileage point corresponding to the purchase amount from the searched mileage point when the buyer's approval is received; And

A sixth step of the mobile payment system inquiring the seller's payment bank account information in the database, and requesting a bank computer system to remit all or part of the purchase amount to the inquired payment bank account of the seller; Provided is a first mobile payment method using mileage points.

The above method takes the form of a seller making a payment request to a mobile payment service provider. Alternatively, it is also possible for a buyer to request a payment from a mobile payment service provider. That is, according to another aspect of the present invention for achieving the above object, as a method of paying the purchaser to the seller the mileage points of the buyer on behalf of the buyer who purchased the product from the seller of the offline store, according to the buyer's instructions A first step of the buyer's mobile phone requesting the payment of the purchase amount while transmitting at least the identification information of the seller and the purchase amount information to be paid to the seller to the mobile payment system; A second step of the mobile phone of the buyer transmitting first authentication information for authenticating the buyer to the mobile payment system at the time of the payment request or in response to a request of the mobile payment system; A third step of determining whether or not to authenticate the buyer according to whether the first authentication information received by the mobile payment system and the second authentication information about the buyer previously owned by the mobile payment system match; When the mobile payment system searches its own database and there is no payment bank account information of the seller corresponding to the identification information of the seller, the seller's terminal requests the payment bank account information of the seller and transmits the information accordingly. Receiving a payment bank account information of a seller to store in the database; A fifth step of, if the authentication is successful, the mobile payment system searching for mileage points associated with the mobile phone number of the buyer in the database, and subtracting mileage points corresponding to the purchase amount from the searched mileage points; And a sixth requesting that the mobile payment system inquires the bank account information of the seller in the database, and requests the bank computer system to transfer all or part of the purchase amount to the inquired bank account of the seller. There is provided a second mobile payment method using mileage points, characterized in that it comprises a step.

In the first mobile payment method, the identification information of the seller is at least one of an merchant ID, a mobile phone number, a number of a landline phone, and identification information of the terminal of the seller.

In the second mobile payment method, preferably, the second authentication information is received by the mobile payment system from the purchaser who wants to register as an individual member and stored in advance in the database as part of the buyer's personal information.

The second mobile payment method further comprises the step of transmitting a buyer authentication failure message to at least one of the terminal of the buyer mobile phone and the seller when authentication fails due to a mismatch between the first authentication information and the second authentication information. It is desirable to.

In the first or second mobile payment method, before the mobile payment system makes a request for remittance of the purchase amount, the bank account information for the payment of the seller stored in the details of the payment request and the database to the terminal of the seller. It is preferable to further include the step of obtaining the confirmation of the seller by transmitting to the terminal of the seller.

In the first or second mobile payment method, the mobile payment system directly or indirectly through a bank computer system to transmit the payment details of the purchase amount to at least one of the mobile phone of the buyer and the terminal of the seller. It is preferable to further provide.

In addition, the first or second mobile payment method, the mobile payment system to identify the individual and the store from the individual and the store that the mobile payment system intends to join as a member to the mobile payment service provided by the mobile payment system and the payment request It is preferable to further include the step of receiving in advance the basic information necessary for processing to a database. Here, the basic information provided by the mobile payment system from the individual member preferably includes at least the name, resident number or pin number, mobile phone number, and authentication information of the individual. The basic information provided by the mobile payment system from a store member includes at least a name of the store, a unique identification number of the terminal, a bank account for payment, and gives a merchant ID to the store member. It is desirable to store it in a database. Further, the basic information provided by the mobile payment system from a member of a store may include authentication information of the store, and the identification information of the seller transmitted to the mobile payment system when the payment request is made. It may further include authentication information of the shop (merchant).

The first or second mobile payment method, the mobile payment system further comprises the step of storing and managing the mileage point for each member mileage point accumulation and use history information, the payment amount payment history information for each member member in the database. desirable.

In the first or second mobile payment method, when a request for accumulating a predetermined mileage point for a specific individual member is received from an external system in which the mobile payment system is linked to a business partnership, the first or second mobile payment method is included in the database according to the request details. It is preferable to further include the step of accumulating the mileage points for the particular individual member.

On the other hand, according to another aspect of the present invention for achieving the above object, as a system for paying the purchaser to the seller the mileage points of the buyer on behalf of the buyer who purchased the product from the seller of the offline store, the instructions of the seller A terminal of the seller making a payment request of the purchase amount while transmitting at least the identification information of the seller, the purchase amount, and the mobile phone number of the buyer to the following mobile payment system; A purchaser's mobile phone receiving payment request details of the purchase amount from the mobile payment system through mobile communication and transmitting the purchaser's approval for the payment request to the mobile payment system according to the purchaser's approval instruction; And at least one computer device communicatively coupled to the purchaser's mobile phone and the seller's terminal via a mobile communication network or the Internet, the first function receiving a payment request by a first application program; If the seller's payment bank account information corresponding to the seller's identification information does not exist by searching its own database, the seller's terminal requests the seller's payment bank account information, and in response to the request, the seller's terminal A second function for receiving payment bank account information of the seller and storing the information in the database; and a third function for requesting the buyer's approval while transmitting the payment request details of the purchase amount to the mobile phone of the buyer; After receiving the buyer's approval, the buyer's mobile phone number in the database A fourth function of retrieving mileage points associated with the call, subtracting mileage points corresponding to the purchase amount from the retrieved mileage points, and inquiring the bank account information for payment of the seller in the database; Provided is a first mobile payment system using a mileage point, characterized in that it comprises a mobile payment system for performing a fifth function of requesting a bank computer system to transfer all or part of the purchase amount to a bank account for payment of a seller. do.

In addition, according to another aspect of the present invention for achieving the above object, as a system for paying the purchase price to the seller in the mileage points of the buyer on behalf of the buyer who purchased the product from the seller of the offline store, the client application The program, according to the buyer's instructions, at least the identification information of the seller, the purchase price information to be paid to the seller, the function of making a payment request of the purchase amount, the first authentication for authenticating the buyer A function of transmitting information to the mobile payment system at the time of the payment request or in response to a request of the following mobile payment system; In response to a request of the following mobile payment system, a terminal of the seller for transmitting the bank account information for the seller to the mobile payment system; And at least one computer device communicatively coupled to the buyer's mobile phone and the seller's terminal via a mobile communication network or the Internet, wherein the first authentication transmitted by the buyer's mobile phone by a server application. A first function of determining whether or not to authenticate the buyer according to whether the information and the second authentication information about the buyer had previously been owned, and searching the own database to search for the seller corresponding to the identification information of the seller. A second function of requesting the seller's payment bank account information if the payment bank account information does not exist and receiving and storing the payment bank account information of the seller transmitted from the terminal of the seller in response to the request; If the authentication is successful, the buyer's parent in the database A third function of retrieving mileage points associated with a mobile phone number, subtracting mileage points corresponding to the purchase amount from the retrieved mileage points, and querying the bank account information for payment of the seller in the database; Second mobile payment system using a mileage point characterized in that it comprises a mobile payment system for performing a fourth function for requesting the bank computer system to transfer all or part of the purchase amount to the bank account for payment of the seller This is provided.

In the second mobile payment system, when the mobile payment system fails authentication due to a mismatch between the first authentication information and the second authentication information by the server application program, a buyer authentication failure message is sent to the buyer mobile phone. It is preferable to perform the function of transmitting to at least one of the terminal of the seller.

In the first or second mobile payment system, before the mobile payment system makes a request for remittance of the purchase amount to the bank computer system by the server application, the details and database of the payment request to the terminal of the seller It is preferable to further perform a function for obtaining the seller's confirmation by transmitting the bank account information for the seller's payment stored in the terminal to the seller's terminal.

In addition, in the first or second mobile payment system, the mobile payment system of the purchaser mobile phone and the seller of the purchase price of the purchase amount directly by the server application program or indirectly through the bank computer system. It is preferable to perform the function of transmitting to at least one of the terminals of the.

In the first or second mobile payment system, by the server application, the mobile payment system identifies the individual and the store from the individual and the store that the mobile payment system intends to subscribe to the mobile payment service provided by the mobile payment system as a member. And it is preferable to further perform the function of receiving in advance the basic information necessary to process the payment request and to store in a database.

In the first or the second mobile payment system, the mobile payment system further performs the function of storing and managing the mileage point for each member mileage point accumulation and use history information, payment amount payment history information for each member member in the database It is preferable.

In the first or second mobile payment system, when a request for accumulating a predetermined mileage point for a specific individual member is received from another system connected to the mobile payment system through a business partnership, the database according to the request details It is desirable to further perform the function of earning the mileage points for the particular individual member.

According to the present invention, a buyer can use his mileage points as cash in any offline store as long as he has a mobile phone. The offline store may be automatically registered as a merchant through the first one transaction with the mobile payment service according to the present invention. Therefore, there are practically no limitations on the store to which the present invention can be applied. In other words, by opening the door of the merchant member widely, and by allowing a subscription to be made by a simple procedure, the use of the mileage points can be expanded almost unlimitedly. The number of merchants that can use the mileage points can greatly expand the target of offline stores.

Because of these points, the use of mileage points can be greatly increased. And accordingly, individual members will pay more attention to mileage points.

From the point of view of the seller of the offline store, the effect of the sales marketing using the mileage points for the customers can be greater than before. In addition, the seller can also be paid using a pre-installed POS device, computer or mobile terminal without the need to install a separate payment equipment, such as a card reader, thereby eliminating the burden of installing payment equipment.

1 shows a schematic configuration of a mobile payment system using mileage points for the implementation of the present invention.
2 is a method according to the first embodiment of the present invention, and illustrates a processing procedure when a seller requests a payment amount from a purchaser to a mobile payment system using mileage points.
3 is a method according to a second embodiment of the present invention, and illustrates a processing procedure when a buyer requests a payment to a mobile payment system using mileage points for the purchase amount of his / her purchaser.
4 illustrates a data structure of an affiliated member table, an individual member table, and an individual member mileage point table stored in a database of a mobile payment system.
5 and 6 exemplarily illustrate message screens provided by a mobile payment system using a user UI screen or mileage points displayed on a seller's communication terminal and a buyer's mobile phone.

Hereinafter, with reference to the accompanying drawings, it will be described a specific embodiment of the present invention.

(1) System environment necessary to practice the present invention

The key subjects involved in the practice of the method of the present invention are the seller who sells the goods (things or services), the buyer who purchases the goods, and the amount of the purchase on behalf of the buyer with the buyer's mileage points in connection with the transaction between the two. Is a mobile payment service provider (hereinafter 'Payment Agent') that pays the seller. Furthermore, banks that handle remittance requests from payment agents are also involved in the practice of the present invention.

1 is a schematic configuration diagram of an entire system required for implementing a mobile payment method using mileage points according to the present invention. The payment agent is equipped with a mobile payment system (100). The mobile payment system 100 is a WAP gateway 120, a WAP server 110, and the Internet 410 to support communication with a mobile phone of a buyer or seller through the mobile communication network 400. Internet gateway 130 and a web server 140 to support the communication with the terminal of the seller through a), and a database 160 and a database server 150 for storing and managing various data necessary for the mobile payment service. The WAP server 110, the web server 140, and the DB server 150 are communicatively connected to each other. The mobile payment system 100 is also communicatively coupled with the bank computer system 500, for example via the Internet 410 or through a separate dedicated communication network.

The purchaser is a mobile phone 200 as a means of communication with the mobile payment system 100 (wherein the 'mobile phone' is a mobile communication network 400 including a mobile phone, a PDA, a smart phone or a wireless communication device dedicated for the present invention). Is a term for a terminal that can communicate with). The purchaser may use a computer (not shown) to sign up for a mobile payment service according to the present invention or check his / her mileage points. The seller also uses the mobile payment system 100 with the mobile payment system 100, a computer 320 connected to the Internet 410, a POS system (not shown), or a dedicated terminal (not shown) made exclusively for a mobile payment service. It can be used as a communication means.

Point-using mobile payment service is preferably operated on a membership basis. The purchaser (individual) must first earn mileage points before using the mobile payment service of the present invention. Therefore, the purchaser (personal) must register as a personal member before using the mobile payment service. In contrast, a seller running an offline store is not necessarily. That is, the seller may of course use the mobile payment service of the present invention after voluntarily signing up as a member of a merchant in advance, but may naturally sign up while using the mobile payment service for the first time. That is, even if the seller does not have a subscription to the mobile payment service in advance, his / her personal information (name of merchant, payment required) is required in response to a purchaser who purchases a product from the mobile payment service. For example, a subscription may be made automatically by providing a bank account, telephone number or mobile phone number. Since the seller can be a member registration in this way, the merchant member who can pay with mileage points is limited to the range specified by the service provider, and is not closed, and if the seller is a desired merchant, the merchant becomes a member of the merchant and pays mobile according to the present invention. The service will be available.

The purchaser's mobile phone 200 is installed with a program that supports wireless communication with the WAP gateway 120 through the mobile communication network (400). Furthermore, a separate application program (agent) for supporting the mobile payment service according to the present invention may be further installed. Considering that the mobile payment system 100 may be a mobile phone 200 used by a buyer, an agent application for a mobile phone is also prepared. In addition, the buyer is encouraged to download the agent application for smartphone from the web site and install it on his or her smartphone.

Programs that support the same functions as those installed in the mobile phone 200 of the buyer may be installed in the mobile phone 310 of the seller. The same is true if the seller uses a smartphone. Furthermore, the mobile payment system 100 when the seller prepares an application program (agent program) for a terminal (computer 320 or a dedicated terminal) using wired communication, and at a suitable time (when registering a merchant or when guiding membership separately) To encourage the seller to download and install the application.

Application programs for the mobile payment service according to the present invention are also installed in the WAP server 110, the web server 140, and the DB server 150. The function of these application programs will be fully appreciated from the description of each embodiment described below.

Hereinafter, a method of using a mobile payment point will be described.

As mentioned above, since the mobile payment method is operated on a membership basis for the purchaser (individual), the buyer (individual) must first go through the procedure of signing up for the mobile payment service according to the present invention. Signing up may be convenient, for example, by using a computer to access the website of the mobile payment service via the Internet 410. Of course, you can also subscribe using the mobile phone 200. The seller may also voluntarily register in advance or manually in the process of using the mobile payment service of the present invention for the first time.

At the time of membership registration, the individual member provides his or her identification information (name, address, PIN, Personal Identification Number (PIN) number, mobile phone number, authentication information, etc.) to the mobile payment system 100. The provided identification information is stored as a personal member table in the database 160 through the DB server 150.

The seller (merchant member) also provides the identification information (merchant name, address, phone number, merchant ID, authentication information, etc.) of their shop to the mobile payment system (100). Merchant ID is unique identification information that is given when the merchant joins from the payment agent, the seller can directly enter or may be given in the mobile payment system 100 and inform the seller. In addition, the seller (merchant member) provides the bank account information to the mobile payment system 100 that will receive the payment amount on behalf of his buyer from the payment agent. This information is stored in the affiliated member table in the database 160 through the DB server 150. The affiliated member table may further include a mobile phone number of the affiliated store owner, the MAC address of the computer 320 or the dedicated terminal of the affiliated store.

The database 160 is provided with a table for managing mileage points of individual members. This table includes information such as individual member's social security number (or pin number), accumulated mileage points, earning point information, mileage points used, point of use information and remaining mileage points.

(2) Embodiment 1: When the subject of the payment request for the purchase price is 'seller'

2 is a flowchart illustrating a procedure according to a first embodiment of a mobile payment method using mileage points. This embodiment is a method in which the seller requests the payment agent to pay the purchase price of the buyer instead. Consider a case where a buyer purchases a product at a certain store, and then wants to pay the purchase price of the product with his or her mileage points. The seller of the store may be an affiliated store that has already subscribed to the mobile payment service according to the present invention or an unlisted store that has not yet subscribed.

First, the buyer expresses his intention to pay the seller with mileage points. The mobile phone number or personal identification information is provided to the seller (step S10). If the seller is a merchant, the seller's agent program provided by the mobile payment system 100 may be installed in the mobile phone 310 or computer 320 used by the seller. Installation is required. To this end, the buyer tells the seller how to access the mobile payment system 100, and the seller connects to the mobile payment system 100 using the mobile phone 310 or the computer 320 according to the connection method, and the agent program. Download and install it in its mobile phone 310 or computer 320. In the process of downloading the agent program, the seller provides the mobile payment system 100 with information necessary for joining the merchant, and the merchant is automatically joined. When the payment process is completed, the mobile payment service provider calls the seller or uses a contact means such as an e-mail to guide the mobile payment service according to the present invention in more detail and collect further information to be obtained from the seller. Will be stored and managed in the database.

The seller requests the payment agent to pay the purchase amount of the buyer using the buyer's mobile phone number or personal identification information that the buyer informs (step S12). To this end, the seller first executes an agent program installed in the mobile phone 310 or the computer 320. The agent program displays, for example, a payment request user interface (UI) 610 as shown in FIG. 5A on the seller's mobile phone 310 or computer (or dedicated terminal) 320. do. In this payment request UI (610), the seller can identify the buyer, that is, the buyer's mobile phone number or a personal identification number such as a social security number or a pin number, and the information (seller) that can identify the seller (seller). Enter the store's merchant ID, the seller's mobile phone or landline phone number, etc.), and the purchase amount and press the payment request button to make a payment request.

At the time of the payment request, although not shown, the authentication information of the seller (merchant) may be further input. To this end, it is necessary to receive authentication information to be used by each affiliate in advance when registering as a member of the merchant and store it in the database 150 as the affiliate member information. The mobile payment system 100 may check whether the seller who requested the payment is a true merchant by comparing the authentication information provided when the seller requests the payment with the authentication information corresponding to the merchant ID of the seller, which is stored in the database 160 in advance. .

When the seller makes a payment request, the unique information of the communication terminal 300 used by the seller to the mobile payment system 100 (the number of the mobile phone in the case of a mobile phone, its MAC address information in the case of a computer or a dedicated terminal) Etc.) will also be sent. If such communication terminal 300 unique information is stored in advance in the database 160 as the member information of the merchant, the seller may be authenticated using the unique information of the communication terminal 300.

When the payment request is made through the seller's mobile phone 310, for example, the payment request is received by the WAP server 110 via the WAP gateway 120 via the mobile communication network 400, and the computer (or a dedicated terminal) 320 is received. If it is made through the Internet 410 is received through the gateway 130 to the web server 140. The WAP server 110 or the web server 140, each of the information in the received payment request (buyer's mobile phone number or personal identification number, the merchant's merchant ID, purchase amount, the unique number of the seller's communication terminal 300, The seller's authentication information (optional) is extracted and stored in the database 160 and used to take necessary follow-up.

For example, the mobile payment system 100 transmits the payment request details received from the communication terminal 300 of the seller to the mobile phone 200 of the buyer and requests the buyer's approval for the payment request (step S14). For example, the WAP server 100 sends the authorization request to an agent application installed in the buyer's mobile phone 200 as shown in FIG. 5 (b). When the approval request is received at the purchaser's mobile phone 200, the agent program provides a UI screen 620 for the purchaser to give an approval instruction, or the payment request history text message indicated by the text message and the callback URL. Send it along so that the buyer can use the callback URL to issue an authorization.

When the purchaser checks the payment request details and wishes to approve, for example, the UI screen 620 displays the intention of approving by pressing the 'payment approval' button. If the approval request is received in the callback URL message, the buyer can click the callback URL to approve the seller's payment request.

If the buyer's approval instructions, the buyer's mobile phone 200 transmits the buyer's approval to the WAP server 110. If the purchaser's approval is not received within the limited time, the WAP server 110 or the web server 140 determines that the purchaser's approval has failed.

If the buyer's approval for the seller's payment request is determined to be unsuccessful, the WAP server 100 or the web server 140 sends the buyer's approval failure to the seller's mobile phone 310 or computer (or dedicated terminal) 320. Send a notification message. If so, the buyer will not be able to use the mobile payment service according to the present invention.

If the purchaser's approval is successfully obtained, the mobile payment system 100 processes the payment of the purchase price requested by the seller. Payment may be in various ways. In one solution, the seller's payment request is processed in real time on a case-by-case basis, but the remittance of each purchase amount is not made in real time, but for each period, all merchants authorized for that period It is also possible to collect and send money at once. Another method is to process the approval of the seller's payment request and the remittance of the purchase amount in real time on a case-by-case basis.

Taking the second scheme as an example, first, the WAP server 100 or the web server 140 sends the DB server 150 the mileage of the individual member corresponding to the purchaser's identification number (eg, mobile phone number or personal identification number). Instructs the seller to process the deduction of the purchase amount requested by the seller at the point (step S22). Accordingly, the mileage point of the buyer updated in the database 160 is reduced by a mileage point corresponding to the purchase amount requested for payment.

The WAP server 100 or the web server 140 also queries the DB server 150 for a bank account for payment corresponding to the merchant ID previously provided by the seller at the time of membership registration. The web server 140 requests the computer system 500 for managing the bank account identified through the inquiry to remit the purchase amount to the seller's bank account (step S24). The amount remitted to the seller may be all of the purchase amount or may be part of the purchase amount deducted a predetermined fee. If the mileage point balance falls below the purchase amount requested for payment, only the remaining mileage points will be processed or the payment request itself will be processed.

If the transfer is successful, the bank's computer system 500 notifies the mobile payment system 100 of the transfer result. Based on the notification, the mobile payment system 100 notifies the purchaser's mobile phone 200 of the payment details related to the payment request and the deduction of their mileage points, etc. (step S26). The notification content is displayed on the purchaser's mobile phone 200. 5 (c) shows an example of the mobile payment processing result 630 displayed on the buyer's mobile phone 200.

The computer system 500 or the mobile payment system 100 of the bank also notifies the processed remittance details to the seller's mobile phone 310 or the computer (or dedicated terminal) 320 (step S28). 5 (d) shows an example of the remittance history 640 notified to the seller.

In order to expedite the transfer, it is desirable that the settlement agent enter into an alliance with each bank regarding the mobile payment service. For example, it may be desirable for the mobile payment system 100 and the computer system 500 of each bank to provide a separate application program in connection with the remittance processing and to automatically process the remittance request and remittance processing using the same.

Through such a procedure, the buyer pays the purchase price of the product purchased by the seller.

(3) Embodiment 2: When the subject of the payment request for the purchase price is 'buyer'

3 is a diagram illustrating a procedure according to a second embodiment of a mobile payment method using mileage points. This embodiment, unlike the first embodiment, is a method in which a buyer requests a payment agent to pay his / her purchase amount to the seller on his behalf.

After a buyer purchases a product or service at a store, the buyer asks the merchant for the merchant payment for the mobile payment service and the purchase amount to pay, in order to pay the purchase price through a payment agent that manages his mileage points. (Step S50).

After receiving the seller's identification information (eg, merchant ID, mobile phone number or landline phone number) and purchase amount from the seller (step S52), the buyer uses the payment request displayed by the agent program on his mobile phone 200. Using the user UI 650 (refer to (a) of FIG. 6), the merchant ID of the seller, the purchase amount to be paid to the seller, and the authentication information of the buyer are pressed, and the payment request button is pressed. As a result, the buyer's payment request is transmitted to the mobile payment system 100 to make a payment request (step S54).

If the merchant store is not registered as a member of a merchant in the mobile payment service according to the present invention, it is impossible to use the merchant ID. In that case, the seller informs the buyer of the merchant's name, telephone number or mobile phone number, and at least the necessary information for payment of the purchase amount, such as the bank account information for payment, and the buyer's mobile phone (300). To be provided to the mobile payment system (100). The mobile payment system 100 registers as a member of a merchant with basic information of the seller so provided and stores a related data in the database 160 by assigning a member ID. As a result, a seller using a mobile payment service for the first time naturally joins as a member of a merchant. After that, you can use this service using the merchant ID.

The mobile payment system 100 receiving the payment request from the buyer's mobile phone 200 goes through the authentication process for the buyer (step S56). For purchaser authentication, the mobile payment system 100 pre-populates the authentication information of the individual (for example, a password or personal biometric information such as fingerprints, facial contours, irises, etc.) to individuals who subscribe to the mobile payment service as a member. It needs to be stored in the database 160.

The authentication of the buyer is performed by comparing the authentication information provided by the buyer for the payment request with his authentication information provided by the buyer at membership registration. The comparison of the two pieces of authentication information may be performed using the number of the mobile phone 200 of the buyer. Since the number of the buyer's mobile phone 200 is automatically transferred to the mobile payment system 100 by the mobile communication protocol when the payment request is transmitted, the mobile payment system 100 automatically receives the number of the buyer's mobile phone 200. Able to know. The WAP server 110 of the mobile payment system 100 extracts the buyer's mobile phone 200 number from the received payment request information and transmits the number to the DB server 150 to request authentication of the buyer. The DB server 150 searches for the member having the received mobile phone number in the personal member table and reads the authentication information of the member. Then, it is determined whether the read authentication information matches the authentication information transmitted by the buyer in the payment request. If the buyer inputs more personal identification information such as his / her social security number (or pin number) at the time of payment request, the authentication information may be confirmed by using the personal identification information as a medium.

If the comparison of the two authentication information does not match each other, the purchaser's authentication has failed. In this case, the mobile payment system 100 transmits a message informing the buyer authentication failure to the mobile phone 200 of the buyer (step S58). 6B illustrates an example 660 of an authentication failure message sent to a buyer. In consideration of the fact that the purchaser may want to go through the authentication process once again, it may be desirable to give the function of re-entering the authentication number as shown in the figure. The authentication failure notification screen may be similarly applied to the first embodiment. The purchaser authentication failure message may also be transmitted to the communication terminal 300 of the seller.

If the purchaser's authentication succeeds as a result of the determination, the mobile payment system 100 processes the received payment request. To this end, first, through the DB server 150, the purchase amount requested for payment is subtracted from the mileage point of the member corresponding to the purchaser's mobile phone 200 number (or personal identification number) (step S60). In addition, the merchant member table is searched to find a bank account for payment of the seller corresponding to the merchant ID of the seller, and a process of transferring the requested purchase amount to the bank account is performed (step S62). Of course, this remittance processing is made by requesting the computer system 500 of the business partner bank.

After the remittance process is successfully completed, as in the first embodiment, the computer system 500 or the mobile payment system 100 of the corresponding bank transfers the payment history and the deduction of the buyer's mileage points to the wireless communication terminal 200 of the buyer. The notification is made to be displayed on the buyer's mobile phone 200 (step S64) (see FIG. 5C). The notification content is displayed on the purchaser's mobile phone 200.

Further, the remittance details are also notified to the seller's mobile phone 310 or computer (or dedicated terminal) 320 so that the seller can check them (step S66) (see FIG. 5D).

Through this process, the buyer can easily pay the purchase price of the product purchased from the seller with their mileage points.

In the above description, only two representative embodiments of the present invention have been described, but those skilled in the art may make various modifications based on the above description. Mileage points of individual members may be earned and earned by using the service of the payment agent according to the present invention, it is preferable to earn miles earned by using other services. To this end, the payment agent according to the present invention needs to make a business alliance with respect to mileage point transfer with other mileage point providers. The mobile payment system 100 also needs to be built to do the same. That is, when the mobile payment system 100 receives a request for accumulating a predetermined mileage point for a specific individual member from another external system linked through a business alliance, the mobile payment system 100 receives the specific individual in the database DB according to the request details. It has the function of processing to earn the mileage points for the member.

If the requested purchase amount is more than the mileage point balance of the buyer, it may be processed by refusing to pay the entire amount of the charged purchase or by partially paying the mileage point balance. It would then be desirable to notify the seller and the buyer, respectively, of the course and / or results of each such treatment.

In addition, when using a smart phone that can be installed by using the desired application program, the mobile payment system 100 prepares an agent program for a smart phone and the buyer and / or seller may provide to the smart phone. The buyer and / or seller may then be provided with the mobile payment service in the mobile web environment using a smartphone.

The present invention can be widely used for a service for mobile payment using mileage points.

100: mobile payment system using points 110: WAP server
120: WAP gateway 130: gateway
140: web server 150: DB server
160: database 200: the buyer's mobile phone
300: seller's communication terminal 310: seller's mobile phone
320: terminal dedicated to a seller's computer or mobile payment service
400: mobile network 410: Internet
500: banking system

Claims

As a method of paying the seller for the purchase amount with the buyer's mileage points on behalf of the buyer who purchased the item from the seller of the local store,
In accordance with a seller's instructions, a first step of the seller's terminal requesting payment of the purchase amount while transmitting at least the identification information of the seller, the purchase amount, and the purchaser's mobile phone number to the mobile payment system;
When the mobile payment system searches its own database and there is no payment bank account information of the seller corresponding to the identification information of the seller, request the seller's payment bank account information to the terminal of the seller, A second step of receiving and storing the payment bank account information of the seller transmitted from the terminal of the seller in response to the payment;
A third step of the mobile payment system requesting the purchaser's approval while transmitting the payment request details of the purchase amount to the mobile phone of the purchaser;
A fourth step of transmitting, by the buyer's mobile phone, the buyer's approval for the payment request to the mobile payment system according to the buyer's approval instruction;
Receiving, by the mobile payment system, a mileage point associated with the mobile phone number of the buyer in the database, and subtracting a mileage point corresponding to the purchase amount from the searched mileage point when the buyer's approval is received; And
A sixth step of the mobile payment system inquiring the seller's payment bank account information in the database, and requesting a bank computer system to remit all or part of the purchase amount to the inquired payment bank account of the seller; Mobile payment method using the mileage point, characterized in that it comprises a.

As a method of paying the seller for the purchase amount with the buyer's mileage points on behalf of the buyer who purchased the item from the seller of the local store,
In accordance with a buyer's instructions, a first step of the buyer's mobile phone requesting the payment of the purchase amount while transmitting at least the identification information of the seller and the purchase amount information to be paid to the seller;
A second step of the mobile phone of the buyer transmitting first authentication information for authenticating the buyer to the mobile payment system at the time of the payment request or in response to a request of the mobile payment system;
A third step of determining whether or not to authenticate the buyer according to whether the first authentication information received by the mobile payment system and the second authentication information about the buyer previously owned by the mobile payment system match;
When the mobile payment system searches its own database and there is no payment bank account information of the seller corresponding to the identification information of the seller, the seller's terminal requests the payment bank account information of the seller and transmits the information accordingly. Receiving a payment bank account information of a seller to store in the database;
A fifth step of, if the authentication is successful, the mobile payment system searching for mileage points associated with the mobile phone number of the buyer in the database, and subtracting mileage points corresponding to the purchase amount from the searched mileage points; And
A sixth step of the mobile payment system inquiring the seller's payment bank account information in the database, and requesting a bank computer system to remit all or part of the purchase amount to the inquired payment bank account of the seller; Mobile payment method using the mileage point, characterized in that it comprises a.

According to claim 1, wherein the identification information of the seller transmitted to the mobile payment system when the payment request is at least one of the merchant ID of the seller, mobile phone number, the number of the landline phone, the identification information of the terminal Mobile payment method using mileage points, characterized in that.

The mileage point of claim 2, wherein the second authentication information is received by the mobile payment system from the buyer who wants to register as an individual member and stored in advance in the database as part of the buyer's personal information. Mobile payment method used.

The method of claim 2, further comprising transmitting a buyer authentication failure message to at least one of the terminal of the buyer mobile phone and the seller when authentication fails due to a mismatch between the first authentication information and the second authentication information. Mobile payment method using mileage points, characterized in that.

According to claim 1 or 2, The mobile payment system prior to making a request for remittance of the purchase amount to the terminal of the seller of the payment request and the bank account information of the seller stored in the database stored in the database The mobile payment method using the mileage point characterized in that it further comprises the step of obtaining a confirmation of the seller by transmitting to the terminal of the seller.

The method of claim 1, wherein the mobile payment system transmits the payment details of the purchase amount directly to at least one of the purchaser's mobile phone and the seller's terminal, either directly or indirectly through a bank computer system. Mobile payment method using the mileage point characterized in that it comprises.

The mobile payment system of claim 1 or 2, wherein the mobile payment system identifies the individual and the store from an individual and a store that wants to register as a member to the mobile payment service provided by the mobile payment system, and processes the payment request. Mobile payment method using the mileage point characterized in that it further comprises the step of receiving the necessary basic information in advance and storing in a database.

The method of claim 8, wherein the basic information provided by the mobile payment system from an individual member includes at least the individual's name, social security number or pin number, mobile phone number, and authentication information. Mobile payment method.

The method of claim 8, wherein the basic information provided by the mobile payment system from a store member includes at least the name of the store, a unique identification number of the terminal, a bank account for payment, and the merchant ID to the store member. Mobile payment method using a mileage point characterized in that the granting and storing in the database.

The method of claim 10, wherein the basic information provided by the mobile payment system from a member of a store (member) further includes authentication information of the store (member),
Identification information of the seller transmitted to the mobile payment system when the payment request further comprises the authentication information of the store (affiliate), mobile payment method using the mileage point.

The method of claim 1 or 2, wherein the mobile payment system further comprises storing and managing mileage point points for each member, usage history information and payment amount payment details information for each member in the database. Mobile payment method using mileage points.

The method according to claim 1 or 2, wherein when a request for earning a predetermined mileage point for a specific individual member is received from another system connected to the mobile payment system through a business partnership, Mobile payment method using the mileage points characterized in that it further comprises the step of accumulating the mileage points for a specific individual member.

A system for paying a purchaser with a mileage point of a buyer on behalf of a buyer who purchased a product from a seller of a local store,
A seller's terminal which transmits at least the identification information of the seller, the purchase price, and the purchaser's mobile phone number to the mobile payment system according to the seller's instructions, and makes a payment request for the purchase amount;
A purchaser's mobile phone receiving payment request details of the purchase amount from the mobile payment system through mobile communication and transmitting the purchaser's approval for the payment request to the mobile payment system according to the purchaser's approval instruction; And
At least one computer device communicatively coupled to the purchaser's mobile phone and the seller's terminal via a mobile communication network or the Internet, the first function for receiving the payment request by a first application; If the seller's payment bank account information corresponding to the seller's identification information does not exist by searching the database, the seller's terminal requests the seller's payment bank account information, and the seller's terminal responds to the request. A second function for receiving payment bank account information of the seller to be transmitted and storing in the database; a third function for requesting the buyer's approval while transmitting the payment request details of the purchase amount to the mobile phone of the buyer; Receives the authorization of the buyer, then the buyer's mobile phone number in the database A fourth function of retrieving the associated mileage points, subtracting mileage points corresponding to the purchase amount from the retrieved mileage points, and querying the bank account information of the seller for payment in the database; A mobile payment system using a mileage point characterized in that it comprises a mobile payment system for performing a fifth function for requesting a bank computer system to transfer all or part of the purchase amount to a bank account for payment.

A system for paying a purchaser with a mileage point of a buyer on behalf of a buyer who purchased a product from a seller of a local store,
The client application program, according to the buyer's instructions, transmits at least the identification information of the seller and the purchase price information to be paid to the seller to the mobile payment system, and makes a request for payment of the purchase price, and to authenticate the buyer. 1 the function of transmitting the authentication information to the mobile payment system at the time of the payment request or in response to a request of the following mobile payment system, the mobile phone of the buyer;
In response to a request of the following mobile payment system, a terminal of the seller for transmitting the bank account information for the seller to the mobile payment system; And
And at least one computer device communicatively connected to the mobile phone of the buyer and the terminal of the seller via a mobile communication network or the Internet, wherein the first authentication information transmitted by the mobile phone of the buyer by a server application. And a first function of determining whether or not to authenticate the buyer according to whether the second authentication information about the buyer has been previously owned and the own database, and the settlement of the seller corresponding to the identification information of the seller is performed. A second function of requesting the seller's payment bank account information if the bank account information does not exist and receiving and storing the payment bank account information of the seller transmitted from the terminal of the seller in response to the request; If authentication succeeds, the buyer's mobile in the database A third function of retrieving mileage points associated with the phone number, subtracting mileage points corresponding to the purchase amount from the retrieved mileage points, and inquiring the bank account information for payment of the seller in the database; The mobile payment system using a mileage point characterized in that it comprises a mobile payment system for performing a fourth function for requesting a bank computer system so that all or part of the purchase amount is transferred to the payment bank account of the seller.

The mobile payment system using mileage points according to claim 14, wherein the identification information of the seller is at least one of an affiliated store ID, a mobile phone number, a number of a landline phone, and identification information of the terminal.

16. The method of claim 15, wherein the second authentication information is provided by the mobile payment system from the purchaser who subscribes as an individual member and stored in advance in the database as part of the purchaser's personal information. Mobile payment system.

The terminal of claim 15, wherein when the mobile payment system fails to authenticate due to a mismatch between the first authentication information and the second authentication information by the server application program, a buyer authentication failure message is sent. Mobile payment system using the mileage point, characterized in that further performing the function of transmitting to at least one of.

16. The method according to claim 14 or 15, wherein the mobile payment system stores the details of the payment request and a database in the seller's terminal before the mobile payment system requests a remittance of the purchase amount to the bank computer system by the server application. Mobile payment system using the mileage point characterized in that for performing the function of obtaining the confirmation of the seller by transmitting the bank account information for the seller of the payment to the terminal of the seller.

The mobile payment system according to claim 14 or 15, wherein the mobile payment system by the server application program or at least indirectly through the bank computer system to check the payment details of the purchase amount of the mobile phone of the buyer and the terminal of the seller. Mobile payment system using a mileage point, characterized in that further performing the function of transmitting to either.

The method according to claim 14 or 15, wherein the mobile payment system identifies the individual and the store from an individual and a store that the mobile payment system intends to join as a member to the mobile payment service provided by the mobile payment system. Mobile payment system using the mileage point characterized in that the basic information required to process the payment request in advance to perform the function of storing the database further.

The method of claim 14 or 15, wherein the mobile payment system further performs a function of storing and managing the mileage point for each member mileage point accumulation and use history information, payment amount payment history information for each member member in the database. Mobile payment system using mileage points to.

16. The method according to claim 14 or 15, wherein when the mobile payment system receives a request for accumulating a certain mileage point for a specific individual member from another system connected to a business partnership, the mobile payment system receives the request from the database according to the request details. Mobile payment system using the mileage points, characterized in that further performing the function of earning the mileage points for a specific individual member.