KR20120036087A - Mobile small amount payment system and method using smartphone - Google Patents

Mobile small amount payment system and method using smartphone Download PDF

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Publication number
KR20120036087A
KR20120036087A KR1020100097766A KR20100097766A KR20120036087A KR 20120036087 A KR20120036087 A KR 20120036087A KR 1020100097766 A KR1020100097766 A KR 1020100097766A KR 20100097766 A KR20100097766 A KR 20100097766A KR 20120036087 A KR20120036087 A KR 20120036087A
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smartphone
content
information
server
smart phone
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KR1020100097766A
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Korean (ko)
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김진욱
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주식회사 리코시스
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Priority to KR1020100097766A priority Critical patent/KR20120036087A/en
Publication of KR20120036087A publication Critical patent/KR20120036087A/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
    • G06Q20/14—Payment architectures specially adapted for billing 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
    • G06Q30/00—Commerce
    • G06Q30/04—Billing or invoicing
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L63/00—Network architectures or network communication protocols for network security
    • H04L63/08—Network architectures or network communication protocols for network security for authentication of entities
    • 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
    • H04W4/00—Services specially adapted for wireless communication networks; Facilities therefor
    • H04W4/24—Accounting or billing

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

Abstract

The present invention relates to a micropayment system using a smart phone, and more particularly, to a mobile micropayment system and method that can perform micropayment using only a smart phone number of a smart phone without a separate occupancy authentication procedure.
In the present invention, the mobile micropayment method includes a content purchase request process in which a smart phone is connected to a content management server to request a purchase of arbitrary content, and the content management server requests smart phone information when the content purchase request is made. Receiving the smartphone information to receive and provide the content requested server to provide the content requested to purchase, and the content providing server requests the subscriber management server of the mobile communication system requesting the smartphone subscriber information corresponding to the smartphone information The process of acquiring the received smart phone subscriber information and the content providing server compare the smart phone information with the smart phone subscriber information to determine whether they match and approve the charging, and charges the fee for using the content to the smart of the smart phone information. Requesting charging for the phone identifier Characterized in that the request process, and, the movement of the subscriber corresponding to the charging server receives the accounting request to the smart phone communication service identifier comprises a charge accounting process of charging the contents usage fee.

Description

Mobile micro payment system and method using smartphone {MOBILE SMALL AMOUNT PAYMENT SYSTEM AND METHOD USING SMARTPHONE}

The present invention relates to a micropayment system using a smartphone, and more particularly, to a mobile micropayment system and method that can perform micropayment using a smart phone number without a separate occupancy authentication procedure.

As a mobile communication terminal called a mobile phone or a mobile phone is popularized, a mobile communication terminal has become indispensable for a person. Therefore, various services using mobile communication terminals have emerged. In addition, in recent years, smart phones that can access not only mobile communication networks but also wireless Internet networks and run a plurality of applications on an operating system are rapidly spreading, and are used through smart phones as well as more diverse and convenient services. It is expected that more and more digital content and commodity content will be available for purchase. The services offered through these are also expected to continue to be developed.

One of these services is a micropayment service that pays for the content purchased online or offline using a mobile communication service fee. The micropayment service is a service to compensate for the difficulty of procedures such as entering a credit card number and password when paying for a credit card, and a security vulnerability where the card number and password may be exposed when entering a credit card and password.

Hereinafter, a micropayment method in a general micropayment system will be described with reference to FIG. 1.

1 is a flowchart illustrating a general micropayment service method.

In general, a system for providing a micropayment service includes a purchase terminal (1), a content providing server (2), a payment agency system (3), a mobile communication system (4), a mobile communication terminal such as a mobile phone and a smartphone (5). It includes. A micropayment service method will be described with reference to the above configurations. The purchase terminal 1 may be a computer such as a laptop, a personal computer, a netbook and a UMPC, or a mobile communication terminal such as a mobile phone and a smartphone.

The purchaser may purchase the product online or purchase the product offline by connecting to the content providing server 2 via the purchase terminal 1 by wire or wirelessly. If the buyer wants to purchase the product, the buyer or the manager of the offline store will make a purchase request through the purchase terminal (1). The purchase terminal 1 then makes a purchase request to the content providing server 2 (S11).

Receiving the purchase request content providing server (2) is a billing agent system for performing authentication request signal including the purchaser information, such as social security number, mobile communication terminal number collected in advance from the purchase terminal (1) to perform the buyer identity verification ( 3) (S12).

Then, the payment agent system 3 transmits an authentication request signal including the buyer information to the mobile communication system 4 (S13). Receiving the authentication request signal, the mobile communication system 4 compares the purchaser's identity with the resident registration number or the mobile communication terminal number included in the purchaser information and the mobile communication terminal customer information registered in advance for the mobile communication terminal number. After performing the result and randomly generated occupancy authentication identifier that is a random number generated and provided to the payment agency system (3) (S14). At this time, the mobile communication system 4 sends the occupancy authentication identifier to the purchaser's mobile communication terminal 5 as an SMS message (S15).

In addition, the payment agent system 3 that receives the occupancy authentication identifier and the identity verification result transmits the occupancy authentication identifier to the content providing server 2 upon successful authentication of the identity. The content providing server 2 then stores and stores the occupation authentication identifier.

The purchaser must input the occupation authentication identifier through the purchase terminal 1 after receiving the possession authentication identifier through the mobile communication terminal 5. When the buyer inputs the occupation authentication identifier through the purchase terminal 1, the purchase terminal 1 transmits the input occupation identification identifier to the content providing server 2 (S17).

The content providing server 2 checks whether the occupancy authentication identifier received through the payment agent system 3 and the occupancy authentication identifier input from the purchase terminal 1 match (S18), and if so, customer information and purchase. Payment information including the goods, purchase price, content providing server information is transmitted to the payment agency system (3) (S19). Then, the payment agent system 3 retransmits the payment information to the mobile communication system 4 (S20) to charge the mobile communication service fee.

After charging is completed, the mobile communication system 4 is charged to the mobile communication service fee later to the mobile communication terminal 5 (S21), and when the payment is completed (S22), the payment agent service provider and the content. Settlement is performed for the provider (S22, S23, S24).

As described above, the conventional micropayment system has a complicated problem by performing an identity authentication and an occupancy authentication to purchase digital content and real goods.

In addition, the conventional micropayment system is inconvenient because it takes a relatively long time for the purchaser to receive the occupancy authentication identifier through the mobile communication terminal, and is inconvenient. Since it must be done again, there was a troublesome and inconvenient problem.

Accordingly, an object of the present invention is to perform a micropayment using a smart phone number of a smart phone without a separate occupancy authentication procedure for the purchase of digital content and real goods provided through the wireless internet to a smart phone connected to the wireless internet. The present invention provides a mobile micropayment system and method.

The mobile micropayment system of the present invention for achieving the above object; A content management server having a plurality of contents, the smartphone receiving and transmitting the smart phone information including the smart phone identifier provided from the smart phone when purchasing any content, and the smart phone subscribers including the smart phone identifier And a subscriber management server for receiving a smartphone identifier, transmitting smartphone subscriber information corresponding to the smartphone identifier, and receiving smartphone information from the content management server to the subscriber management server. After requesting and receiving smart phone subscriber information corresponding to a smart phone identifier, if the smart phone subscriber information and the smart phone information match, the content providing server for requesting the charge for the content purchase, and the smart phone subscribers Charge for mobile communication service Receive a charging request, characterized in that the mobile communication service comprises a charge billing server for billing charges for the content.

The subscriber management server, when the subscriber information and the smartphone information received from the content management server matches the charging approval signal including a smartphone identifier of the information, and receives the charging approval signal to charge the smartphone Characterized in that it further comprises an MT server for sending the approval message.

The charging server provides a charging completion signal to the content providing server after the charging is completed, and the content providing server transmits a charging completion signal including a smartphone identifier for the charging completion signal to the MT server, and the MT The server, characterized in that for transmitting the charging message containing the charge information to the smartphone.

The message may be an SMS message or a push message.

The smart phone identifier is characterized in that the client terminal number (Client Terminal Number).

The content providing server may transmit a content use permission rejection error signal to the smartphone through the content management server if the smartphone information and the smartphone subscriber information received from the subscriber management server do not match.

The smart phone information further includes a subscriber social security number, and the content providing server inquires the subscriber social security number and the name of the subscriber of the smart phone subscriber information when the content request of the smart phone is the first use of the smart phone information. The authentication is performed by the resident registration number, and the authentication is performed by only checking whether the personal information of the smartphone subscriber information is changed with respect to the smartphone identifier from a later use.

Mobile micro payment method of the present invention for achieving the above object; In the mobile micropayment method, a content purchase request process in which a smart phone connects to a content management server to request purchase of arbitrary content, and the content management server requests and receives smartphone information when the content purchase request is received and received the purchase. Smartphone information acquisition process for providing the requested content to the content providing server, and the content providing server requests the smartphone subscriber information corresponding to the smartphone information to the subscriber management server of the mobile communication system to receive The subscriber information acquisition process and the content providing server compares the smartphone information with the smartphone subscriber information to determine whether they match, and if it matches, approves the charge and charges the fee for using the content to the smartphone identifier of the smartphone information. The billing request process for requesting billing, and The server receiving the accounting request, characterized in that on the smartphone mobile communication service fee of the subscriber corresponding to the identifier includes a charging process of charging the contents usage fee.

In the charging request process, the content providing server transmits a charging approval signal including a smartphone identifier included in the smartphone information to the MT server when charging is approved, and the MT server notifies the charging approval. It characterized in that it further comprises a billing approval notification process for sending to the smartphone.

After the charging process, the charging server notifies the content providing server of the completion of the charging, and the content providing server receiving the transmission transmits a charging completion signal including the smartphone identifier included in the smartphone information to the MT server, and MT The server may further include a billing notification process of sending a billing message including the billed content usage fee information.

The smart phone identifier is characterized in that the client terminal number (Client Terminal Number).

The smartphone service fee charged for the content purchase fee is a voice call service fee or a short message service fee (SMS) message fee or a separate micropayment service fee.

Since the present invention performs the payment using the smartphone identifier of the smartphone without a separate occupancy authentication procedure of the buyer, the buyer can perform the payment according to the product purchase only by selecting the payment, thereby reducing the time required for payment. It has the effect of providing convenience to the buyer.

1 is a flowchart illustrating a micropayment method in a general mobile micropayment system.
2 is a view showing the configuration of a mobile micropayment system according to the present invention.
3 is a flowchart illustrating a mobile micropayment method according to an exemplary embodiment of the present invention.

Hereinafter, a mobile micro payment system and a micro payment method according to the present invention will be described with reference to the drawings.

2 is a view showing the configuration of a mobile micropayment system according to the present invention.

Referring to FIG. 2, the mobile micropayment system using the smart phone according to the present invention includes a smart phone 101, a content management server 140, a content providing server unit 200, and a mobile communication system 300. The smartphone 101, the content management server 140, the content providing server unit 200, and the mobile communication system 300 are connected by wire or wirelessly through the wired / wireless internet network 120 and the mobile communication network 130.

The smartphone 101 accesses the content management server 140 through the wired / wireless internet network 120 and the mobile communication network 130 to display and purchase contents stored in the content DB 141 managed by the content management server 140. do. The content may be digital content such as application programs, data, files, and the like, which are run on the smartphone 101, and real goods. The smartphone 101 provides smartphone information to the content management server 140 when the content is purchased from the content management server 140. The purchase includes not only the purchaser of the actual product through the smartphone 101 but also the act of using digital content and downloading the digital content. The smartphone information includes a smartphone identifier and a social security number. The smartphone identifier may be one of a client terminal number (CTN), a serial number (ESN), and a device unique number (IMEI), but it may be preferable to use a client terminal number.

The content management server 140 includes a content DB 141 to store and manage a plurality of contents, and when the connected smartphone 101 selects and purchases arbitrary contents, the smartphone from the smartphone 101 is selected. Requests and receives the information, and provides the received smart phone information to the content providing server 210 of the content providing server unit 200 provided the content to be purchased by the smart phone 101.

The smartphone 101 is installed with a dedicated application for purchasing content by accessing the content management server 140, the content management server 140 is an app store server having a plurality of iPhone applications as content Or it may be an Android store server or Tistow server having a plurality of Android applications as content. In addition, the content management server 140 may be a shopping mall server having a physical product as a content.

The content providing server unit 200 includes a content providing server 210 and a message transmission (MT) server 220.

The content providing server 210 receives smartphone information from the content management server 140 and receives smartphone subscriber information corresponding to the smartphone information from the subscriber management server 310 of the mobile communication system 300. Perform identity verification by checking for matches. The content providing server 210 performs personal authentication by inquiring personal information about the subscriber of the smartphone 101 through the subscriber management server 310 of the mobile communication system 300 when the smartphone 101 is initially connected. From the second use of the content, only the personal information is changed for the smart phone identifier included in the smart phone information and the identity is verified. The content providing server 210 sends a charging signal including the smart phone identifier included in the smart phone information to the MT server 220 upon successful authentication of the identity, and completes the charging including the smart phone identifier even when the charging is completed. Send a signal to the MT server.

The MT server 220 transmits the charging approval message and the charging message to the smartphone 101 corresponding to the mobile communication terminal identifier included in the corresponding signal when the charging approval signal and the charging completion signal are input from the content providing server 210. .

The mobile communication system 300 stores and manages subscriber information of the subscribers of the smartphone 101 in the subscriber DB 320, manages the charging of the mobile communication service fee used by the subscribers, and moves the content usage fee according to the present invention. Charge for telecommunication service charges.

The mobile communication system 300 includes a subscriber management server 310 for managing subscriber information and a charging server 330 for managing charging of mobile communication service charges.

The subscriber management server 310 according to the present invention provides the subscriber information on the subscriber to the content providing server 210 when a request for smartphone subscriber information is generated from the content providing server 210.

As described above, the billing server 330 charges the content purchase fee to the mobile communication service fee of the smart phone using the content for the content purchase and provides the result to the content providing server 210.

3 is a flowchart illustrating a mobile micropayment method according to an exemplary embodiment of the present invention. A description with reference to FIGS. 2 and 3 is as follows.

First, the smartphone 101 accesses the content management server 140 through a dedicated application (S411), and then retrieves a plurality of contents through the dedicated application.

When the user of the smartphone 101 selects the purchase of arbitrary content through a dedicated application of the smartphone 101, the smartphone 101 transmits a content request signal to the content management server 140 (S413). The content request signal may be a content download request signal when the content is digital content, and may be a real product purchase or payment request signal when the content is a real product.

The content management server 140 receiving the content request signal transmits the smartphone information request signal to the smartphone 101 (S415).

Then, the smartphone 101 notifies the user of the smartphone information to be provided to the content management server 140 and provides the content management server 140 to the user (S417).

The content management server 140 receiving the smartphone information provides the smartphone information to the content providing server 210 (S419).

The content providing server 210 requests smartphone subscriber information corresponding to the smartphone information received from the subscriber management server 310 of the mobile communication system 300 (S421), and responds to the request to the subscriber management server 310. When the smart phone user information is received from (S423), the smart phone information and the smart phone subscriber information are checked to match the identity (S425). At this time, by comparing and analyzing the received smartphone information and previously received smartphone information to determine whether the smartphone 101 is the first content buyer, or the purchaser of the content more than two times, if the first content buyer It performs identity verification by inquiring the resident registration number and smart phone identifier of the information and the personal information stored in the subscriber management server 310. On the other hand, if the content purchaser more than once, the content providing server 210 checks only the personal information corresponding to the smartphone identifier changes to perform identity verification.

As a result of the determination of the match, if authentication fails because the smartphone information and the smartphone subscriber information do not match, the content providing server 210 sends an error message indicating the rejection of the use of the content via the content management server 140 to the smartphone 101. To provide. The error message will be displayed to the user through a dedicated application of the smartphone 101.

However, if there is a match, the content providing server 210 determines the charging approval and transmits the charging approval signal including the smartphone identifier of the smartphone 101 to the MT server 220 (S429), and then includes the smartphone identifier. The billing request signal is sent to the billing server 330 (S433).

The MT server 220 receiving the charging approval signal transmits a charging approval message to the smartphone 101 through the mobile communication network 130 informing that the charging is approved (S431).

The charging server 330 receiving the charging request charges the content purchase fee to the mobile communication service fee of the smartphone subscriber corresponding to the smartphone identifier (S434), and provides a charging completion signal to the content providing server 210. (S435). The mobile communication service fee may be one of a voice call service fee, a short message service (SMS) fee, or may be a separate micropayment service fee.

Then, the content providing server 210 transmits a charging completion signal including the content purchase fee information and the smartphone identifier to the MT server 220 (S437). At this time, the content providing server 210 also transmits a charging completion signal to the content management server 140 (S438).

The content management server 140 receiving the charging completion signal performs a supply process for providing the content purchaser the content requested by the smartphone 101 (S439). The supply processing process is to download the content to the smartphone 101 when the content is digital content, and when the content is a real product, it may be a delivery process of the corresponding product. However, the content may be configured to perform a supply process immediately after the transmission of the smartphone information (S417).

The MT server 220 receiving the charging completion signal (S437) transmits a charging message including the content usage fee information to the smart phone 101 through the mobile communication network 130 (S411).

In the above description, the case in which the message sent to the smart phone 101 is an SMS message transmitted through the mobile communication network has been described. However, the message may be configured to be sent as a push message transmitted through the wired / wireless Internet network. In the case where all messages are sent as push messages, the present invention may be configured without the MT server 220.

On the other hand, the present invention is not limited to the above-described typical preferred embodiment, it can be carried out in various ways without departing from the gist of the present invention various modifications, changes, substitutions or additions in the art Anyone who has this can easily understand it. If the implementation by such improvement, change, replacement or addition falls within the scope of the appended claims, the technical idea should also be regarded as belonging to the present invention.

101: smartphone 120: wired and wireless Internet
130: mobile communication network 140: content management server
141: content DB 200: content providing server unit
210: content providing server 220: MT server
300: mobile communication system 310: subscriber management server
320: subscriber DB 330: billing server
340: billing DB

Claims (12)

A content management server having a plurality of contents and receiving and transmitting smartphone information including a smartphone identifier provided from the smartphone when the smartphone purchases arbitrary contents;
A subscriber management server having information on smartphone subscribers including a smartphone identifier, receiving a smartphone identifier and transmitting smartphone subscriber information corresponding to the smartphone identifier;
After receiving the smartphone information from the content management server and requesting and receiving the smartphone subscriber information corresponding to the smartphone identifier to the subscriber management server, if the smartphone subscriber information and the smartphone information match, the content purchase A content provision server requesting billing for,
And a charging server that charges the mobile communication service fee for the smartphone subscribers, and receives the charging request and charges the content fee to the mobile communication service fee.
The method of claim 1,
The subscriber management server,
When the subscriber information and the smartphone information received from the content management server is matched, the charging approval signal including the smartphone identifier of the information is transmitted,
The mobile micropayment system, characterized in that it further comprises an MT server receiving the charge approval signal and sending a charge approval message to the smartphone.
The method of claim 2,
The billing server,
After the charging is completed, provide the charging completion signal to the content providing server,
The content providing server,
Transmitting a charging completion signal including a smartphone identifier for the charging completion signal to the MT server,
The MT server,
Mobile micropayment system, characterized in that for sending the billing message containing the billed charge information to the smartphone.
The method according to claim 2 or 3,
And the message is an SMS message or a push message.
The method of claim 1,
The smart phone identifier is a mobile micro payment system, characterized in that the client terminal number (Client Terminal Number).
The method of claim 1,
The content providing server,
If the smartphone information and the smartphone subscriber information received from the subscriber management server does not match, the mobile micropayment system, characterized in that for transmitting the content use permission rejection error signal to the smartphone through the content management server.
The method of claim 1,
The smartphone information further includes a subscriber social security number,
The content providing server,
When the content request of the smart phone is the first use, the subscriber's social security number and the subscriber's name of the smart phone subscriber information are inquired to perform authentication by the social security number of the smart phone information,
Mobile micro-payment system, characterized in that the authentication is performed by checking only whether the personal information of the smartphone subscriber information changes with respect to the smartphone identifier from a later use.
In the mobile micropayment method,
A content purchase request process in which a smartphone connects to a content management server and requests a purchase of arbitrary content;
A smart phone information acquisition process of requesting and receiving smart phone information when a content management server requests the content purchase and providing the smart phone information to a content providing server providing the requested content;
A process for acquiring smartphone subscriber information received by the content providing server requesting and receiving smartphone subscriber information corresponding to the smartphone information from a subscriber management server of a mobile communication system;
If the content providing server compares the smart phone information and the smart phone subscriber information to determine whether to match, if the payment is approved, the charge request for the charge for the use of the content for the smart phone identifier of the smart phone information Process,
And a charging process in which a charging server charges the content usage fee to the subscriber's mobile communication service fee corresponding to the corresponding smartphone identifier in response to the charging request.
The method of claim 8,
In the charge request process,
When the content providing server approves the billing, the billing approval signal including the smartphone identifier included in the smart phone information is transmitted to the MT server, and the MT server sends a billing approval message indicating the billing approval to the smartphone. And further comprising a billing approval notification process.
The method of claim 8,
After the charging process,
The charging server notifies the content providing server of the completion of the charging, and the content providing server receiving the transmission sends a charging completion signal including the smartphone identifier included in the smartphone information to the MT server, and the MT server charges the content. And a billing notification process of sending a billing message including the usage fee information.
10. The method of claim 9,
And wherein the smartphone identifier is a client terminal number.
The method of claim 10,
The smartphone service fee charged for the content purchase fee is a voice call service fee, a short message service (SMS) message fee or a separate micropayment service fee.
KR1020100097766A 2010-10-07 2010-10-07 Mobile small amount payment system and method using smartphone KR20120036087A (en)

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