KR20120113957A - Method for credit settlement using mobile phones and system thereof - Google Patents

Abstract

PURPOSE: A credit payment method using a mobile communication terminal and a system thereof are provided to perform payment with recognition of a quick response code, an input of a terminal number and a resident registration number, and an approval process of a member store by using the mobile communication terminal, thereby using products or services of the member store. CONSTITUTION: When a credit payment server receives image information of an obtained quick response code, the credit payment server transmits a payment information input window to a mobile communication terminal of a customer and the payment information input window is activated in a screen of the mobile communication terminal(S11,S12). Information data related an inputted payment are received when information related to the payment is inputted in an input item displayed in the payment information input window(S13). The credit payment server generates an approval number and transmits to the mobile communication terminal of the customer from a short message service server(S14). [Reference numerals] (S11) Photographing and obtaining an inherent QR code of a member store by using a camera combined with a client terminal; (S12); (S13) Inputting payment information; (S14) Generating and transmitting an approval number; (S15) Inputting the approval number; (S16) Payment amount; (S17) Transmitting payment information to a member store terminal; (S18) Requesting a communication amount and the payment amount; (S19) Payment processing; (S20) Member store calculation

Description

Credit settlement method and system using mobile communication terminal {Method for Credit Settlement using Mobile Phones and System about}

The present invention relates to a method and a system capable of making a credit payment using a mobile communication terminal, and more particularly, to a method of making a credit payment using a mobile communication terminal for payment of a usage fee generated between a customer and an affiliated store. It's about the system.

In general, a credit card is a card issued as a proof for deferring the collection of goods and services for a certain period to a member based on the credit of a consumer. Members who have signed a contract with a card issuer can purchase a product or service at an affiliated retailer, and purchase it without spending cash by presenting the card issued by the card issuer and signing the slip. Since the money is automatically transferred from the member's deposit account to the merchant account after a certain period of sale through the card issuer's trading bank, the member can make a deposit until the payment is made. Merchants typically include department stores, specialty shops, restaurants, hotels, golf courses, travel agencies, and gas stations.

Affiliate merchants are affiliated with a card issuer through mutual designation or alliance. Affiliate merchants issue vouchers when purchasing goods or services with a credit card used by a member of the card issuer. The issued slips are paid to the card issuer at the affiliated merchant.

In the related art, a credit card affiliated merchant can settle payment for a product or service with a member's credit card, thereby solving more security and safety problems due to attracting more customers, additional advertising effects, and cash handling. In addition, affiliated merchants want to secure more credit card members through discounts or prizes on goods or services for the credit card.

However, there are stores that are not affiliated with a credit card affiliate or have not been affiliated with a specific credit card. Such a store cannot use a credit card by a member who holds the credit card. And some of the stores that are not affiliated with credit card alliances have high recognition and trust. Therefore, affiliation affiliates are required for stores not affiliated with a credit card. However, not only a complicated process occurs for the affiliate alliance between the store and the card issuer, but there is also a problem that the affiliate is not easily formed by avoiding the process of the complicated credit card affiliate.

In addition, there is the following patent document as a method of making a payment using a mobile phone, that is, a mobile communication terminal without using a credit card in the prior art.

Republic of Korea Patent Application Publication No. 10-2007-0047028 (POS payment system using a mobile phone and its operation method) Republic of Korea Patent Publication No. 10-2010-0094443 (Payment processing method using a two-dimensional bar code and program recording medium therefor) The patent document 1, when the POS terminal receives the mobile phone number to be used for payment and transmits it to the POS server, the POS server generates the approval bar code and transmits it to the POS terminal and the mobile phone, and if the approval bar codes received from the mobile phone and the POS terminal match, the POS The terminal outputs the payment success message and transmits the payment history to the POS server and stores it in the database. Patent Document 1 is to enable the payment approval in the POS server after generating the approval bar code through the POS terminal and the POS server, it is necessary to process the input of the mobile number and confirm whether the approval bar code matches. The patent document 2 inputs a two-dimensional bar code containing member information and payment information in the member mobile phone, temporarily storing the input two-dimensional bar code, corrected to be able to interpret the temporarily stored two-dimensional bar code, and corrected two-dimensional bar code It extracts the member information and payment information from the mobile phone and processes it to be displayed on the mobile phone screen, selects a payment method corresponding to the payment information displayed on the screen, and extracts the secret code and two-dimensional barcode inputted for payment processing. It is requesting payment approval corresponding to payment information and payment method. Patent Literature 2 is to allow payment approval by inputting and extracting a two-dimensional barcode including member information and payment information, and the selection of a payment method and input of a secret code are required.

An object of the present invention is to enable a user to use various products and services of a merchant by allowing a mobile communication terminal to make a payment through recognition of a QR (Quick Response) code and input and approval of a terminal number and a social security number. .

In addition, the present invention is possible to purchase all the goods and contents of the affiliated stores only with a mobile communication terminal, so that it is possible to make a payment without the need for charging a separate payment or an authorized certificate.

In order to achieve the above object, the present invention provides a credit settlement method using a mobile communication terminal, comprising: (a) a unique QR code installed in an affiliated store with a camera coupled to a mobile communication terminal of a customer, and the QR code obtained by photographing When the credit settlement server receives the image information, the credit settlement server transmits the payment information input window to the customer's mobile communication terminal to activate the payment information input window on the mobile communication terminal screen; (b) receiving, by the credit settlement server, information data related to the input payment when information related to payment is input to an input item displayed on the payment information input window; (c) the credit settlement server, after receiving the information data related to payment from the mobile communication terminal, generating an authorization number to be transmitted from the SMS server to the mobile communication terminal of the customer; (d) When the approval number received from the mobile communication terminal is input to the approval number input window, the credit settlement server is configured to transmit to the mobile communication terminal and the affiliated store terminal that the payment is completed.

In addition, the present invention, the credit settlement server may provide payment information so that the payment is made to the merchant account from the financial company server after the payment is completed in the merchant terminal.

In addition, the present invention, the payment can be made so that the credit settlement server is settled with the merchant terminal on a monthly or weekly basis by prepayment.

In addition, the present invention, the information related to the payment may include a mobile communication terminal subscribed carrier, the amount to be paid, the mobile communication terminal number, the resident registration number of the mobile communication terminal subscriber.

In addition, the present invention is a credit settlement system using a mobile communication terminal, a mobile communication terminal owned by a subscriber subscribed to a mobile communication company transmits the payment information input window and the authorization number input window and the approval number as SMS text and the subscriber to the merchant terminal Credit settlement server for transmitting the payment information and settlement information of; An affiliate store DB for inputting and storing affiliate store related information to the credit settlement server; A telecommunication company DB for inputting and storing telecommunication company related information to the credit settlement server; A subscriber DB for inputting and storing subscriber related information to the credit settlement server; A payment information DB for inputting and storing payment related information between a subscriber, an affiliated store, and a communication company to the credit settlement server; A security server for encrypting transmission and reception data of the credit settlement server and providing a firewall, hacking block, and an antivirus; The credit settlement server includes an SMS server that transmits the approval number to the mobile communication terminal as a text message, and the credit settlement server transmits and receives credit payment related data with the mobile communication terminal, the merchant terminal, the communication company server and the financial company server.

According to the present invention, the merchant can easily settle the use price from the affiliated store to the mobile communication terminal, thereby providing convenience to the customer and the affiliated store, and performing stable sales activities by paying by the prepayment method in favor of the affiliated store. It can increase profits for telecom companies.

1 is a block diagram showing a credit settlement system using a mobile communication terminal according to the present invention.
2 is a flowchart illustrating a credit settlement method using a mobile communication terminal according to the present invention.
Figure 3 is a credit payment method using a mobile communication terminal according to the present invention, Figure 3a is a payment information input window, Figure 3b is a mobile communication terminal to send and receive the approval number as an SMS message, Figure 3c is the approval number input window It is shown by the examples.

Hereinafter, a credit settlement method and a system using a mobile communication terminal according to the present invention will be described in detail with reference to the accompanying drawings.

1 illustrates a system for making a credit payment using a mobile communication terminal.

The mobile communication terminal 1 is owned by a subscriber subscribed to a mobile communication company, and is a terminal having functions such as sending and receiving text messages, voice communication, and data communication by web connection. The mobile communication terminal 1 is capable of three or more generations of communication, and may include a smartphone or a tablet PC. In addition, the mobile communication terminal 1 is preferably equipped with a camera for recognizing the unique QR code (4) attached to the merchant. Further, means for transmitting and receiving wirelessly the QR code 4 data unique to the merchant may be used, for example, RFID, infrared or Zigbee capable of short range communication.

The credit settlement server 10 is a mobile communication terminal (1) held by subscribers subscribed to a mobile communication company and transmits the payment information and approval number of the payment information input window (5) and the authorization number input window (6) by SMS, and the merchant terminal. (3) the subscriber's payment information and settlement information is transmitted. The credit settlement server 10 is connected to a wired / wireless communication network to enable credit communication related data communication with the mobile communication terminal 1, the merchant terminal 3, the communication company server 20, and the financial company server 30, and furthermore, the credit settlement server. (10) preferably contains software or a program for data communication.

The affiliate store DB 11 stores various information related to the affiliated store under the control of the credit settlement server 10 and inputs and outputs the stored data to the credit settlement server 10. The affiliated store DB 11 stores various types of information of the affiliated store, such as a business type, business status, and main items of the affiliated store, including the QR code 4 of the affiliated store. The communication company DB 12 stores various information related to the communication company to the credit settlement server 10 and inputs and outputs the stored data to the credit settlement server 10. The telecommunication company DB 12 is a telecommunication company operating in Korea. For example, SKT, KT, LG-U and the like store various kinds of information related to payment through the mobile communication terminal 1.

The subscriber DB 14 stores various information related to the subscriber to the credit settlement server 10 and inputs and outputs the stored data to the credit settlement server 10. That is, the subscriber DB 14 stores information such as a terminal number, a resident registration number, and a registered carrier, which the subscriber of the mobile communication terminal 1 inputs while making a credit payment. The payment information DB 13 is a credit settlement server 10 that stores various information related to payment between subscribers, merchants and telecommunication companies to input and output the stored data to the credit settlement server 10. The payment information DB 13 encrypts the transmission and reception data of the credit settlement server 10 and provides a firewall, a hacking block, and an antivirus. The security server 15 is a firewall function so that the data encryption or unauthorized access from outside when communicating data with the mobile communication terminal (1), merchant terminal (3), communication company server 20 and financial company server (30) And a hacking blocking function, and software and a program for blocking the introduction of various virus programs or harmful programs are included. In addition, the SMS server 16 is to transmit the authorization number in a text message from the credit settlement server 10 to the mobile communication terminal (1). That is, the credit settlement server 10 texts the approval number for authentication in response to the information such as the terminal number and the resident registration number entered through the payment information input window 5 in the mobile communication terminal 1 through the SMS server 16. To be sent as a message. This allows the subscriber to transmit the confirmation and approval number for possession of the mobile communication terminal (1).

In addition, a system other than the mobile terminal 1, the merchant terminal 3, the credit settlement system, the telecommunications company server 20 and the financial company server 30, including the mobile communication terminal (1) held by the subscriber for credit settlement using the mobile communication terminal of the present invention. It may be additionally provided, and each system or terminal may include various databases or servers.

In addition, the mobile communication company will include a telecommunication company server 20 and the payment information DB 21, the financial company will include a financial company server 30 and the payment information DB (31). Payment information DB (21, 31) is to store and input and output information on the usage price of the mobile terminal subscriber.

A credit settlement method using a mobile communication terminal including such a configuration will be described with reference to the flowchart of FIG. 2 and FIG. 3.

First, a camera (2) coupled to a mobile communication terminal (1) owned by a customer using a variety of goods or services such as a merchant, for example, a clothing store, a restaurant, a tavern or a beauty salon or a mart, Photograph the QR code (4) to obtain the QR code (4) information (S11). The QR code 4 is attached to the affiliated store, for example, may be installed on one side of the terminal 3 installed in the affiliated store. In addition, the mobile communication terminal 1 and the merchant information by means of wirelessly transmitting and receiving information about the QR code 4 installed in the affiliated store without using the camera 2 of the mobile communication terminal 1 held by the customer. It will be able to transmit and receive data wirelessly. Unlike the bar code, the QR code 4 generally increases the amount of information that can be recorded by having information in two directions, horizontally and vertically. QR codes are used in various forms such as mobile coupons, store information, and corporate site information.In addition, it is easy to use personal information by easily distributing the information necessary for individuals and easily using smartphones. It is attracting attention as an information medium.

When the mobile communication terminal 1 acquires the QR code 4 unique to the affiliate store, the payment information input window 5 is activated and displayed on the screen of the mobile communication terminal 1. When the QR code 4 is photographed from the camera 2 of the mobile communication terminal 1, the mobile communication terminal 1 transmits the QR code 4 to the credit settlement server 10 of the credit settlement system, The payment server 10 transmits the payment information input window 5 to the mobile communication terminal 1. Accordingly, the mobile communication terminal 1 receives the payment information input window 5 from the credit settlement server 10 at the same time as photographing and acquiring the QR code 4, and then the payment information input window 5 is generated on the terminal screen. (S12). An embodiment of the payment information input window 5 may be expressed as shown in FIG. 3A.

When the payment information input window 5 is displayed on the screen of the mobile communication terminal 1, the customer decides on the input item displayed on the payment information input window 5, the name or service name or payment amount or amount of money purchased or used at the affiliate store. Select a mobile communication company, for example, SKT, KT, LG-U, etc., and input the number of the mobile communication terminal and the resident registration number, respectively (S13).

When the input of the authentication-related information for the payment is completed in the payment information input window (5), the information data related to the input payment is transmitted from the mobile communication terminal (1) to the credit settlement server (10), the credit settlement server (10) ) Operates and controls the merchant DB 11, the telecommunication company DB 12, the payment information DB 13, and the security server 15, respectively, to generate the authorization number based on the extracted information. After the approval number is generated to be transmitted from the SMS server 16 to the mobile communication terminal 1 of the customer (S14). The authorization number may be expressed as shown in FIG. 3B. At this time, the credit settlement server 10 transmits the approval number input window 6 with the approval number to the mobile communication terminal 1 of the customer to be activated on the screen, thereby entering the approval number on the mobile communication terminal 1 screen. Allow window 6 to be created. The authorization number input window 6 may be expressed as shown in FIG. 3C.

In addition, when the customer completes the input of the approval number received by the mobile communication terminal 1 in the approval number input window (S15) (S15), the credit settlement server 10 that the payment of the corresponding amount is completed, the mobile communication terminal ( 1) and the affiliated store terminal 3, respectively (S16, S17).

In addition, the telecommunication company server 20 will be charged to the mobile communication terminal 1 subscriber paid for the mobile communication terminal 1 including the communication fee (S18). If the subscriber processes the billed amount (S19), the merchant is settled the amount from the financial institution (S20). Usually, a payment notice is issued by the next month after the sale is generated to claim and settle the payment fee of the mobile communication terminal, and the bill is to be paid within a predetermined period. Moreover, mobile carriers are required to settle payments from affiliated CP through payment agencies.

On the other hand, the credit settlement server 10 may provide payment information so that the payment is made to the merchant account from the financial company server 30 after the payment is completed in the merchant terminal (3). The payment can be made by the credit settlement server 10 to be settled with the merchant terminal 3 on a monthly or weekly basis by prepayment. Preliminary settlement is the settlement amount that the merchant should receive earlier than expected, and the settlement is made more favorable and stable. In addition, prepayment is divided into monthly settlement and weekly settlement. For example, monthly settlement usually takes 3 months to settle the payment cycle by one month, and it is possible to receive the 10th day of the following month only if approved for the current month. The weekly settlement will be settled one week earlier than the three-month settlement period, and will be available for receipt next Friday only if approved this week. The monthly settlement and the weekly settlement may be settled at a different fee rate.

Monthly usage using a mobile communication terminal may be applied by different carriers or by customers, and if a minor, corporation or subscriber has not paid or overpaid the fee, or is a mobile terminal operated on a prepaid plan or mobile communication If you apply to stop using the terminal, etc. will not be available.

In addition, the affiliated store may receive a contract and a service with a credit settlement system to enable credit settlement to a mobile communication terminal. For example, a contract is concluded through the application, consultation, and reception of a store that wants to be affiliated. When the contract is concluded, a QR code is issued and installed, and a credit settlement service is performed after testing the QR code issued. You lose.

As described above, the present invention allows a customer to purchase and use various contents, products or services sold by the merchant anywhere in the merchant, if the customer has only a mobile communication terminal, credit settlement is possible with all domestic carriers, and the terminal for credit settlement Payment can be made by authentication of the number and social security number. Therefore, no additional amount of charge or a certificate is required. Moreover, the internationally recognized 128-bit encrypted security processing can be used with confidence, and stable system operation such as blocking a firewall, hacking block, and virus inflow is possible.

While the invention has been shown and described with respect to the specific embodiments thereof, it will be understood by those skilled in the art that various changes and modifications may be made without departing from the spirit and scope of the invention as defined by the appended claims. Anyone who has it will know it easily.

1: mobile terminal 2: camera
3: merchant terminal 4: QR code
5: payment information input window 6: approval number input window
10: Credit settlement server 11: Merchant DB
12: carrier DB 13, 21, 31: payment information DB
14: subscriber DB 15: security server
16: SMS server 20: communication company server
30: financial company server

Claims (5)

(a) When a unique QR code installed in an affiliated store is photographed by a camera coupled to a customer's mobile communication terminal, and the credit settlement server receives the image information of the QR code obtained and photographed, the credit settlement server receives the customer's mobile communication terminal. Transmitting the payment information input window to activate the payment information input window on the screen of the mobile communication terminal;
(b) receiving, by the credit settlement server, information data related to the input payment when information related to payment is input to an input item displayed on the payment information input window;
(c) the credit settlement server, after receiving the information data related to payment from the mobile communication terminal, generating an authorization number to be transmitted from the SMS server to the mobile communication terminal of the customer;
(d) when the approval number received from the mobile communication terminal is input to the approval number input window, the credit settlement server transmits each of the payments to the mobile communication terminal and the affiliated store terminal, indicating that the payment has been completed. Payment Method.
The credit settlement method of claim 1, wherein the credit settlement server further comprises providing payment information so that payment is made from the financial company server to the merchant account after the settlement is completed in the merchant terminal.
The credit settlement method according to claim 2, wherein the payment is settled by the credit settlement server on a monthly or weekly basis with the merchant terminal.
The credit settlement method of claim 1, wherein the payment related information includes a telecommunication company with which a mobile communication terminal is subscribed, an amount to be paid, a mobile communication terminal number, and a social security number of a mobile communication terminal subscriber.
A credit settlement server which transmits the payment information and the authorization number input window and the authorization number to the mobile communication terminal owned by the subscriber subscribed to the mobile communication company and sends the payment information and the settlement information to the merchant terminal;
An affiliate store DB for inputting and storing affiliate store related information to the credit settlement server;
A telecommunication company DB for inputting and storing telecommunication company related information to the credit settlement server;
A subscriber DB for inputting and storing subscriber related information to the credit settlement server;
A payment information DB for inputting and storing payment related information between a subscriber, an affiliated store, and a communication company to the credit settlement server;
A security server for encrypting transmission and reception data of the credit settlement server and providing a firewall, hacking block, and an antivirus;
SMS server for transmitting the authorization number as a text message from the credit settlement server to the mobile communication terminal;
The credit settlement server is a credit settlement system using a mobile communication terminal for transmitting and receiving credit payment data with a mobile communication terminal, merchant terminal, communication company server and financial company server.

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