KR20130020356A - System for processing small payment - Google Patents

Abstract

PURPOSE: A micro payment processing system is provided to perform convenient payment as a user is not involved in an actual payment processing process except for an initial authentication process after requesting micro payment processing. CONSTITUTION: An internal authentication server(5) authenticates a user. A small sum management server(4) manages deposited money for micro payment according to the authentication result of the server. A payment agent server(2) requests user authentication information to a mobile terminal(1). The payment agent server performs a cashable payment agent service to an e-commerce server(3) by using balances and mileages based on a balance inquiry result received from the e-commerce server and a mileage inquiry result received from the small sum management server. [Reference numerals] (1) Mobile terminal; (2) Payment agent server; (3) e-commerce server; (4) Small sum management server; (5) Internal authentication server; (AA) Small sum payment information; (BB) Payment agency; (CC) Mileage; (DD) Balance; (EE) Transfer; (FF) Authentication result; (GG) Shopping/purchase; (HH) Small sum payment processing request; (II) Authentication; (JJ) Small sum payment processing result

Description

Micropayment Processing System {SYSTEM FOR PROCESSING SMALL PAYMENT}

The present invention relates to a micropayment processing operation method, and more particularly, to a micropayment processing system capable of simplifying a payment processing process of a customer using a mobile communication terminal and unifying a payment processing process in a mobile communication company.

Recently, e-commerce is being activated, and payment processing is performed in various ways, such as credit cards, coupons, and mileage, etc., and recently, small payment processing methods are frequently used.

This small payment processing method is a method of making a payment using a mobile communication terminal (hereinafter referred to as a "mobile terminal"), the payment is made by passing the authentication number sent to the mobile terminal to the payment agency, and then the mobile communication The charge is made through the fee.

Meanwhile, with the development of the Internet and mobile communication networks, the growth of the digital content market has been accelerated, and the performance of mobile terminals has been improved to enable various digital contents as well as communication functions. Accordingly, the necessity of making a small payment through a mobile terminal has been highlighted. In other words, since digital contents are closely related to copyright, it is prescribed to pay and use them at a reasonable price. In order to download music, videos, programs, etc. using a mobile terminal, a small amount of payment must be performed. As a result, the growth of the digital content market is leading to the growth of the electronic payment market.

However, since the existing micropayment processing method requires customer credit information or authentication number, it can be easily decrypted and abused by a method such as brute force, and the credit card payment processing method is applied. Therefore, there is a cumbersome disadvantage that the actual payment processing must be performed through the mobile communication fee charged later.

In addition, the conventional micropayment processing method uses a mobile communication network. As a mobile carrier charges a fee for the micropayment, the payment agency acts as one of the important factors of profit loss.

In addition, there is a problem that the payment process is complicated and cumbersome, which leads to a small payment for a payment agency, a bill through a mobile communication fee at a mobile carrier, and a substantial payment processing through a bank, and the subjects of each process are different. Accordingly, the payment using the mileage accumulated in the shopping mall has a further limit.

In addition, since the small payment processing method is applied to the credit card payment processing method, although it is a relatively small amount, there is a disadvantage in that the cash flow is not smooth because it is charged later.

Therefore, users who make small payments need a minimal and simple payment processing method, and need to simplify the payment process by unifying payment processing entities. The cash flow can be smoothed through real-time of small payments. There will be a need.

Republic of Korea Patent Application Publication No. 2002-59207 (2002.07.12.) Republic of Korea Patent Publication No. 2003-87135 (2003.11.13.)

Therefore, the present invention has been made to solve the above problems of the prior art, the object of the present invention in response to a small payment processing request of the user of the mobile terminal, the mobile communication company is the subject, after the authentication itself, The present invention provides a micropayment processing system that checks the mileage accumulated in a shopping mall and the account balance of a mobile terminal user, performs a payment agent service with the mileage and the balance, and then transmits the micropayment processing result to the mobile terminal.

Small payment processing system of the present invention for achieving the above object, the mobile terminal; An e-commerce server providing shopping information to the mobile terminal and storing user mileage information of the mobile terminal; And a mobile telecommunication company module for making a payment to the e-commerce server in response to the micro payment processing request of the mobile terminal.

The mobile telecommunication company module manages a user authentication of the mobile terminal and an internal authentication server for performing user authentication by the mobile communication company by using user authentication information transmitted from the mobile terminal, and manages the authentication result of the internal authentication server. A micro-management server for receiving and managing a deposit for micro-payments in response to the authentication result, a database unit for storing user information of the mobile terminal and user authentication information generated through a user's body, and the mobile terminal In response to the micropayment processing request of the mobile terminal, the user authentication information is requested to the mobile terminal, the balance inquiry is requested to the micromanagement server according to the authentication result, the accumulated mileage inquiry is requested to the e-commerce server, and the end user body is requested. Self-authentication using real-time generated credentials After performing authentication, the payment agent server is configured to perform a cash settlement service using the mileage and the balance based on the mileage inquiry result and the balance inquiry result to the e-commerce server:

Primary authentication through login and password between the mobile terminal and the e-commerce server, secondary authentication by a public key infrastructure used by the mobile communication company itself between the mobile terminal and the internal authentication server, and the mobile terminal and the payment agent server Characterized in that the third authentication through the user authentication information generated in real time through the user's body.

In this case, the payment agent server, it is preferable that even if the balance is insufficient, the user of the mobile terminal is a credit settlement within the limit amount by the subscriber of the mobile communication company.

The payment agent server may further include a network connection unit connected to an e-commerce server, a micro management server, and an internal authentication server to transmit and receive a mileage inquiry request and mileage inquiry result, a balance inquiry request and a balance inquiry result, an authentication request, and an authentication result; A mobile communication network connection unit connected to a mobile terminal to transmit and receive user authentication information; A shopping mall manager configured to perform management according to the terms and conditions including a fee rate and a mobile communication network fee according to the micro payment with each shopping mall having the e-commerce server; An account manager for managing a user account of the mobile terminal; An authentication manager for managing an authentication process at the electronic commerce server, an authentication process at the internal authentication server, and a self authentication process at a payment agent server; A database unit for storing basic information including a user's name, age, gender, and social security number of the mobile terminal, a member management number for micropayments, and user authentication information generated through a user's body; And requesting user authentication information for user authentication to the mobile terminal in response to the small payment processing request requested from the mobile terminal through the mobile communication network connection unit, and transmitting the user authentication information transmitted from the mobile terminal to the internal authentication server. Request for user authentication by forwarding, request balance check to micro management server according to the authentication result, request for mileage inquiry to the e-commerce server, and by using user authentication information generated in real time through the end user's body After performing the authentication, the control unit for performing a cash payment service to the electronic commerce server using the mileage and the balance based on the mileage inquiry result and the balance inquiry result.

Preferably, the database unit is any one of a home subscriber server (HSS) that performs subscriber information management in a home location register (HLR) or an all-IP network.

As described above, the micropayment processing system according to the present invention provides the following effects.

First, since the mobile terminal user does not actually participate in the payment processing except for the initial authentication process after requesting a small payment processing, payment is convenient. That is, when the user deposits a small amount in advance with the mobile communication company, since the user is not charged at a later mobile communication fee according to the small payment, there is no need to perform a substantial payment process related to the small payment.

In addition, by performing a payment agency service as a mobile carrier, the service provider may minimize the fee rate according to the payment agency service or substitute a payment agent service fee to minimize the service charges of the mobile communication company customers and related customers. As the subject of the payment agent service is unified, unnecessary payment steps are eliminated, thereby simplifying and minimizing the payment processing process.

In addition, there is an advantage that it is easy to build a micro payment processing system because it uses the already established mobile communication network.

In addition, since the micro payment processing is performed together with the cumulative mileage of the shopping mall in which the micro payment is made, it is possible to use less mileage than the purchase cost of the goods for the purchase of the goods, thereby preventing the efficient use of the mileage and the disappearance of the mileage.

In addition, since the payment for the shopping mall is made of cash in the mobile communication company, it is possible to smooth the flow of cash.

1 is a block diagram of a micro payment processing system according to an embodiment of the present invention.
2 is a block diagram of a mobile terminal used in the present invention.
3 is a configuration diagram of a payment agent server applied to the present invention.
4 is a configuration diagram of a mobile communication network to which the present invention is applied.
5A and 5B are flowcharts of a small payment processing method applied to the present invention.

Hereinafter, with reference to the accompanying drawings, a micropayment processing system of the present invention will be described in detail.

Here, the embodiments described in the present invention can be implemented in various forms, and the embodiments described below should be understood as an example.

In the drawings, parts irrelevant to the description will be omitted in order to clearly describe the present invention, and like reference numerals designate like parts throughout the specification. Also, throughout the specification, it is to be understood that when an element is referred to as being "comprising" or "comprising" an element, it should be understood that it does not exclude other elements, it means. In addition, the terms "~ unit", "~ group" described in the specification means a unit for processing at least one function or operation, which may be implemented by hardware or software having a storage device or a combination of hardware and software. Can be.

1 is a block diagram of a micro payment processing system according to an embodiment of the present invention.

As shown in FIG. 1, the micropayment processing system of the present invention includes a mobile terminal 1, a payment agent server 2, an e-commerce server 3, a micromanagement server 4, and an internal authentication server 5. ), The payment agent server (2), micro-management server (4) and the internal authentication server (5) is provided in the mobile communication company (6), payment agency server (2), micro-management server (4) and The internal authentication server 5 is preferably configured in the form of a module.

The mobile terminal 1 performs online shopping by accessing the electronic commerce server 3 through a mobile communication network as well as a call function with the other terminal, and performs a micro payment processing request to the payment agency server 2. At this time, when performing a small payment, a simple user authentication is made through the mobile terminal (1). That is, the first authentication is performed through the login and password when the e-commerce server 3 is connected, and the second authentication is performed between the mobile terminal 1 and the internal authentication server 5 and is generated through the user's body. Final third authentication is performed using the user authentication information. The configuration of the mobile terminal 1 will be described in detail with reference to FIG.

The payment agency server 2 is provided by the mobile communication company 6, that is, is always connected to the mobile communication network, and responds to the micropayment processing request from the mobile terminal 1 via the e-commerce server 3. Collects mileage inquiry results, balance inquiry results, and authentication results from the e-commerce server (3), micro-management server (4), and internal authentication server (5) connected to the bank, and transfers them to the e-commerce server (3). Perform the service. At this time, the payment agent server 2 performs user authentication by itself, which performs user authentication through a third authentication process as described above. That is, authentication is performed through user authentication information generated through the user's body. In addition, the payment agent server 2 performs a cash recurrence recovery, such as a transfer, with respect to the amount corresponding to the small amount of payment from the mobile terminal 1 user account of the small management server 4 using the small amount of payment information after the prepayment processing. You may. The configuration of the payment agent server 2 will be described in detail with reference to FIG. On the other hand, the payment agent server 2 is connected to the mobile communication network, the configuration of this mobile communication network will be described in detail in FIG.

The e-commerce server (3) is an online equipment provided to all e-commerce companies that provide mileage to customers such as oil refiners, department stores, shopping malls, etc., and provides information on the website to the mobile terminal (1) and, if necessary, the mobile terminal. (1) The user's first authentication is performed. On the other hand, when the user of the mobile terminal 1 requests the micropayment processing according to the purchase of the goods, the micropayment processing request information is transmitted to the payment agency server 2, and the mileage corresponding to the purchased goods is given to the user.

The micro-management server 4 inquires the balance of the account of the user of the mobile terminal 1 on the basis of the authentication result sent from the internal authentication server 5 in response to the balance inquiry request from the payment agency server 2, The balance inquiry result is transmitted to the payment agent server (2). Then, at the time of payment using the balance, the cash flow real-time transfer to the payment agent server (2).

The internal authentication server 5 performs user authentication based on the user authentication information transmitted from the mobile terminal 1 in response to the authentication request from the payment agent server 2, and the user authentication result is the payment agent server 2 To send. This means a user authentication process through encryption used by the mobile communication company 6 itself. Here, the user authentication process means an authentication process using a public key infrastructure used by the mobile communication company 6 itself. The public key infrastructure is an internal authentication server for transmitting / receiving electronic documents requiring security. Refers to a system that enables encryption transmission using a public key and a private key between users authenticated by 5), that is, users registered in the internal authentication server 5 authenticate that they are legitimate users from the internal authentication server 5. After receiving a digital certificate to encrypt the electronic document that requires security with the public key of the other party, and then digitally signed and transmitted with its own private key, the electronic document can be securely transmitted / received between users registered in the internal authentication server (5). Says the system. That is, it corresponds to the above-mentioned second authentication. Meanwhile, the internal authentication server 5 may perform user authentication through user authentication information such as a fingerprint or face generated through the user's body.

2 is a block diagram of a mobile terminal used in the present invention.

In the present invention, the mobile terminal 1 is a terminal capable of transmitting and receiving information through a mobile communication network, and may be any one of a mobile phone, an Internet phone, a personal digital assistant (PDA), and a portable computer.

The mobile terminal 1 performs a call with a counterpart terminal through a mobile communication network as a basic function. In addition, the mobile terminal 1 connects to the e-commerce server 3 through a mobile communication network to support a user to perform online shopping, and generates user authentication information when making a small payment to the e-commerce server 3 (primary). Authentication), the internal authentication server 5 (secondary authentication), and the payment agent server 2 (third authentication). The mobile terminal 1 performing the above function will be described in more detail.

As shown in FIG. 2, the mobile terminal 1 includes a communication unit 11, an input unit 12, a camera unit 13, a storage unit 14, a display unit 15, a sound source processing unit 16, and a terminal control unit ( 17).

The communication unit 11 transmits and receives a call and data with a counterpart terminal through a mobile communication network. That is, the shopping information transmitted from the e-commerce server 3 is received, and in response to the small payment processing request, the request and response for the user authentication information with the internal authentication server 5 and the payment agent server 2 is performed. The small settlement processing result is received from the settlement agent server 2.

The input unit 12 provides a plurality of keys for supporting a user operation of the mobile terminal 1, and generates and transmits an input signal according to a user's key selection to the terminal controller 17. The input unit 12 may be a keypad, a pointing device such as a touch pad, or an input device such as a touch screen. In addition, the input unit 12 includes a function of scanning a specific body part of the user in connection with user authentication. For example, when a user authentication request signal is input, a fingerprint input window for inputting a fingerprint is output to the display unit 15. Accordingly, when the user touches a finger on the fingerprint input window, the terminal controller 17 recognizes the fingerprint. User authentication can be performed. At this time, the fingerprint recognition process enhances the authentication process for the micropayment process by encrypting together the time information to be processed. As such, the input unit 12 may include a module and a timer for performing a scanning function. As such, the input unit 12 preferably supports both a key input method and a touch method.

The camera unit 13 has a normal photographing function and performs photographing in response to a user authentication request signal. That is, the camera unit 13 supports to perform user authentication by photographing a face of a user. That is, the user authentication may be performed by selectively using the input unit 12 and the camera unit 13. The camera unit 13 performing such a function may generally include an image sensor (not shown), a signal processor (not shown), and an image processor (not shown). The image sensor converts the optical signal of the photographed image into an analog signal. The signal processor converts an analog signal into a digital signal. The image processor obtains an image by processing an image signal input through the signal processor, and outputs the obtained image through the communication unit 11 or the display unit 15 or stores it in the storage unit 14.

The storage unit 14 stores a program necessary for controlling the operation of the mobile terminal 1 and data generated while the program is executed. The storage unit 14 includes one or more volatile memory devices and a nonvolatile memory device.

The display unit 15 displays information stored in the storage unit 14 including various function menus executed in the mobile terminal 1. In addition, the display unit 15 displays a shopping screen, a payment screen, a fingerprint input window, and the like under the control of the terminal controller 17. As the display unit 15 performing such a function, an LCD (Liquid Crystal Display) or a touch screen may be used. In this case, the touch screen may perform a function corresponding to the input unit 12.

The sound source processor 16 digitizes the voice input by the microphone under the control of the terminal controller 17 to obtain voice information, and demodulates the voice information received through the communication unit 11 and outputs the voice information through the speaker.

In addition, the terminal controller 17 is a microprocessor that performs the overall control operation of the mobile terminal 1. That is, the terminal controller 17 receives a signal from each component and performs a corresponding process, and then takes charge of control of each component. Here, the control process in the terminal control unit 17 for the functions of the respective well-known general components will be omitted, and only the control in the terminal control unit 17 for the components mainly used in the present invention will be described. Shall be. The terminal control unit 17 controls the web page transmitted through the communication unit 11 in response to a user operation when connecting to the e-commerce server 3, and in response to a user's micropayment request, The connection request is performed, and the user authentication information input from the input unit 12 or the camera unit 13 is transmitted to the internal authentication server 5 and the payment agent server 2 through the communication unit 11, respectively.

3 is a configuration diagram of a payment agent server applied to the present invention.

As shown in FIG. 3, in the present invention, the payment agent server 2 includes a network connection unit 21, a mobile communication network connection unit 22, a shopping mall manager 23, an account manager 24, an authentication manager 25, and a database. It is comprised by the part 26 and the control part 27.

The network connection unit 21 is connected to the e-commerce server 3, the micro-management server 4, and the internal authentication server 5 to transmit and receive a mileage inquiry request / result, balance inquiry request / result, and authentication request / result.

The mobile communication network connection unit 22 connects to the mobile terminal 1 and transmits and receives information on the micropayment and information on user authentication.

The shopping mall manager 23 performs management according to the terms and conditions between each shopping mall and the payment agent server 2. That is, the management of the fee rate or the mobile communication network fee according to the small payment.

The account manager 24 manages account information and the like of the mobile terminal user. That is, the customer of the mobile communication company 1 has an account for a small amount of payment for each user, and may deposit a deposit for limiting the maximum amount in advance in the corresponding account.

The authentication manager 25 manages the authentication process in the e-commerce server 3, the authentication process in the internal authentication server 5, and the authentication process in the payment agent server 2, respectively, and in particular, the third process using the user's body. Mainly manage certification.

The database unit 26 stores user-specific information. Here, the user-specific information includes basic information including a name, age, gender, social security number, and the like, and a member management number for management by the payment agent server 2. In addition, the database unit 26 stores user authentication information generated through the user's body.

The control unit 27 checks the terms and conditions with the corresponding e-commerce server 3 in response to the micro payment processing request requested through the mobile communication network connection 22, requests the user authentication to the internal authentication server 5, and e-commerce. In addition to requesting the accumulated mileage inquiry to the server (3), request the balance inquiry to the micro-management server (4), and performs control to perform a small payment based on the user authentication results, mileage inquiry results and balance inquiry results do.

4 is a configuration diagram of a mobile communication network to which the present invention is applied.

As shown in FIG. 4, the mobile communication network performs a series of data transmission / reception operations for data transmission and information exchange between the payment agency server 2 and the mobile terminal 1. The mobile communication network that performs such a function includes an IP network that provides a large data transmission / reception service and a continuous data service through IP. Building. Meanwhile, in the present embodiment, although the mobile communication network connection unit 22 is configured in the payment agent server 2 in FIG. 1, the wired communication network, the WiBro (Wireless Broadband) network, the HSDPA (High-Speed Downlink Packet Access) network, and the satellite communication network Any one of them may be replaced, and at least one or all of them are built in the mobile communication company 6. In the present embodiment, only a case of being applied to a mobile communication network will be described for convenience of description.

The mobile communication network is largely comprised of a call controller 61 and a location register 62.

The call controller 61 is a part in charge of functions related to call and session processing, and may be one of a call state control function (CSCF) or a mobile switching center (MSC). In particular, the call controller 61 implemented by CSCF performs a function as a gateway to an incoming call, a call control function, a SPD (Serving Profile Database) function, an address processing function, and the like. As such, the call controller 61 controls a call connection for performing a payment agent service between the mobile terminal 1 and the payment agent server 2.

The location register 62 is a master database of subscribers, and is responsible for tracking access means by maintaining a master list of services related to the subscriber or performing management of the subscriber's location information. As such, the location register 62 stores additional service subscription information subscribed to by the subscriber. The location register 62 that performs this function may be one of a home location register (HLR) or a home subscriber server (HSS) that performs subscriber information management in an All-IP network. In this way, the location register 62 may replace the function of the database unit 26 of the payment agent server 2.

Next, a small payment processing method using the small payment processing system of the present invention configured as described above will be described in detail with reference to the accompanying drawings.

5A and 5B are flowcharts of a small payment processing method applied to the present invention.

First, the user of the mobile terminal (1) has requested a payment agent service to the mobile carrier (6), and has stored user authentication information generated through the user's body in the payment agent server (2), and the mobile terminal (1). It is assumed that the user has an account in which a small payment is made to the mobile communication company 6, and a predetermined amount is deposited. In addition, it is assumed that the micropayment processing method including the mileage between the shopping mall operating the electronic commerce server 3 and the mobile communication company 6 operating the payment agency server 2 is already contracted.

5A and 5B, the user of the mobile terminal 1 accesses the electronic commerce server 3 using the mobile terminal 1 (S1).

The call controller of the mobile communication network controls the session to establish a session between the mobile terminal 1 and the e-commerce server 3 and transmits information of the e-commerce server 3 to the mobile terminal 1 (S2).

The user of the mobile terminal 1 checks the information transmitted from the electronic commerce server 3 through the mobile terminal 1 and purchases the article (S3). At this time, the procedure according to the goods purchase requires a login process to the e-commerce server (3) is a formal first authentication process is made (S4). Subsequently, payment is made according to the purchase of goods. That is, the user of the mobile terminal 1 requests the micro payment processing of the present invention through the mobile terminal 1 (S5). Accordingly, the e-commerce server 3 transmits a small payment processing request message to the payment agency server 2 (S6).

Accordingly, the payment agent server 2 requests the user authentication information from the mobile terminal 1 in response to the small payment processing request of the user of the mobile terminal 1 via the electronic commerce server 3 (S7). In this regard, the user of the mobile terminal 1 transmits the user authentication information to the payment agent server 2. Subsequently, the payment agent server 2 requests user authentication by the mobile communication company 6 itself while transferring user authentication information transmitted from the mobile terminal 1 to the internal authentication server 5 (S8).

The internal authentication server 5 performs user authentication (secondary authentication: authentication based on a public key infrastructure used by the mobile carrier 6 itself) (S9), and the user authentication result constitutes the mobile communication company 6 Transfer to the payment agent server 2 and the micro management server 4 (S10).

In response, the payment server 2 requests the mileage inquiry to the e-commerce server 3 and requests the balance check to the micro-management server 4 (S11).

The e-commerce server 3 transmits the mileage inquiry result of the customer to the payment agent server 2, the micro management server 4 is the balance of the customer based on the user authentication result sent from the internal authentication server (5) The inquiry result is transmitted to the payment agent server 2 (S12).

The payment agent server 2 selects a payment method based on the mileage inquiry result and the balance inquiry result (S13). In other words, if the mileage is accumulated above the value of the goods, the settlement agent server 2 determines to perform a small payment with the mileage. Decide to carry out the payment. Even if the balance is insufficient, credit settlement within the limit through credit relationship will be possible. That is, credit payment is possible based on the fact that the user of the mobile terminal 1 is a customer of the mobile communication company 6.

The payment agent server 2 transmits the selected payment method to the mobile terminal 1 (S14).

The user of the mobile terminal 1 confirms the payment method, and the user of the mobile terminal 1 requests the final micropayment processing to the payment agency server 2 through the mobile terminal 1 (S15).

At this time, the user of the mobile terminal 1 transmits the user authentication information (tertiary authentication) generated through the user's body through the mobile terminal 1 to the payment agent server (2). At this time, the user authentication is also sent to the payment agent server (2).

The payment agent server 2 performs authentication by comparing the user authentication information transmitted through the mobile terminal 1 with the user authentication information generated through the user body stored in advance in the database unit 26 (S16). This user authentication provides a relatively simple and triple security scheme.

The payment agent server 2 checks the user authentication result, and then performs a small payment according to the selected payment method (S17). That is, the payment agent server 2 performs a payment agent service of the actual payment method to the electronic commerce server (3). At this time, by performing a real-time account transfer from the user account of the mobile terminal (1) managed by the micro-management server (4) to the payment agent server (2), the payment agency service is made to the e-commerce server (3). On the other hand, it is preferable that the remittance of the settlement amount is maintained (S18). That is, when the goods are delivered to the user of the mobile terminal 1 and arrive, and the user of the mobile terminal 1 informs the settlement agent server 2 of the goods using the mobile terminal 1, the e-commerce server ( 3) it is preferable to transfer the payment amount to (S19).

Subsequently, when the payment amount is transferred, the electronic commerce server 3 subtracts the used mileage, and transmits the micro payment information to the micro management server 4 (S20).

The micro management server 4 subtracts the settlement amount from the deposit amount based on the micro settlement information (S21).

The payment agent server 2 confirms the transfer of the payment agent amount, and then notifies the mobile terminal 1 of the small payment processing result (S22).

The user of the mobile terminal 1 confirms the result of the micro payment processing (S23).

In this way, when the user goes through the initial authentication process (1, 2, 3rd authentication), the small payment processing process can be simplified in the payment agency server (2) to simplify the payment process, real-time cash flow This can be done.

Although the present invention has been described with reference to specific embodiments, the present invention is not necessarily limited to these embodiments, and various modifications can be made without departing from the spirit of the present invention.

1: mobile terminal 2: payment server
21: network connection unit 22: mobile communication network connection unit
23: shopping mall management 24: account management
25: authentication management unit 26: database unit
27 control unit 3: e-commerce server
4: micro management server 5: internal authentication server
6: Mobile carrier

Claims (4)

Mobile terminal;
An e-commerce server providing shopping information to the mobile terminal and storing user mileage information of the mobile terminal;
And a mobile telecommunication company module for performing a payment to the e-commerce server in response to the micro payment processing request of the mobile terminal:
The mobile communication company module,
An internal authentication server performing user authentication by the mobile communication company by using user authentication information transmitted from the mobile terminal;
A micro-management server that manages a user account of the mobile terminal, receives an authentication result of the internal authentication server and manages a deposit for micro-payment in response to the authentication result;
And a database unit for storing user information of the mobile terminal and user authentication information generated through the user's body, requesting user authentication information to the mobile terminal in response to the micro payment processing request of the mobile terminal, and an authentication result. Request the balance check to the micro management server according to the request, request the accumulated mileage to the e-commerce server, perform authentication by itself using the user authentication information generated in real time through the end user's body It is composed of a payment agent server that performs a cash payment service to the e-commerce server using the mileage and the balance based on the balance inquiry result:
First authentication through login and password between the mobile terminal and the e-commerce server;
Secondary authentication by a public key infrastructure used by the mobile communication company itself between the mobile terminal and the internal authentication server;
Micro payment processing system characterized in that for performing the third authentication through the user authentication information generated in real time through the user body between the mobile terminal and the payment agent server.
The method of claim 1,
The settlement server, the micropayment processing system characterized in that for performing the credit settlement within the limit amount by the user of the mobile terminal is a subscriber of the mobile communication service even if the balance is insufficient.
The method according to claim 1 or 2,
The payment agent server,
A network connection unit connected to an e-commerce server, a micro management server, and an internal authentication server to transmit and receive a mileage inquiry request and mileage inquiry result, a balance inquiry request and a balance inquiry result, an authentication request, and an authentication result;
A mobile communication network connection unit connected to a mobile terminal to transmit and receive user authentication information;
A shopping mall manager configured to perform management according to the terms and conditions including a fee rate and a mobile communication network fee according to the micro payment with each shopping mall having the e-commerce server;
An account manager for managing a user account of the mobile terminal;
An authentication manager for managing an authentication process at the electronic commerce server, an authentication process at the internal authentication server, and a self authentication process at a payment agent server;
A database unit for storing basic information including a user's name, age, gender, and social security number of the mobile terminal, a member management number for micropayments, and user authentication information generated through a user's body; And
Request user authentication information for user authentication to the mobile terminal in response to the micropayment processing request requested from the mobile terminal through the mobile communication network connection unit, and transmits the user authentication information transmitted from the mobile terminal to the internal authentication server. Request user authentication, request a balance check to the micro-management server according to the authentication result, request a mileage inquiry to the e-commerce server, and by using the user authentication information generated in real time through the end user's body And a controller for performing a cash settlement service using the mileage and the balance based on the mileage inquiry result and the balance inquiry result after the authentication.
The micropayment processing system of claim 3, wherein the database unit is any one of a home subscriber server (HSS) that manages subscriber information in a home location register (HLR) or an all-IP network.

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