KR20130083017A - Mobile payment method and mobile payment system using the same - Google Patents

Abstract

PURPOSE: A mobile payment method and a system thereof are provided to establish a mobile payment means even at a store without a payment terminal. CONSTITUTION: Mobile commerce is used which is supplied by an online-commerce server (150) by executing the mobile commerce application of a user smart phone (110) (S205). If a mobile credit card is selected to pay a bill generated by mobile commerce (S210), a mobile payment application of the user smart phone is summoned and executed (S215). Payment amount information is transmitted from the mobile commerce application to the mobile payment application (S220). After the user identifies the payment amount and selects a mobile credit card to pay (S225), a user authentication is performed by verifying the password of the mobile payment application (S230). The mobile payment application transmits the mobile payment information required for payment to a mobile payment management server (140) (S235). The mobile payment management server transmits the mobile payment information to a relevant credit card company server (170) and requests a mobile payment authorization (S240). If a mobile payment authorization is received (S245), the mobile payment management server transmits the received mobile payment authorization to the user smart phone (S250). After the mobile payment application of the user smart phone informs the user of a mobile payment authorization result by indicating the result on a display, the mobile payment application is terminated (S255). [Reference numerals] (1)) Mobile credit card information; (110) User smart phone; (140) Mobile payment management server; (150) Online-commerce server; (170) Credit card company server; (2)) Online-commerce company information; (3)) Payment money; (S205) Mobile commerce by a mobile commerce application; (S210) Select mobile credit card as a payment unit; (S215) Call/execute a mobile payment application; (S220) Transmit payment money information from a mobile commerce application to a mobile payment application; (S225) Select a mobile credit card to confirm payment money; (S230) Confirm a password; (S235) Mobile payment information; (S240) Mobile payment approval request; (S245,S250,S265) Mobile payment approval; (S255) Mobile payment approval notification; (S260) Purchase/reservation confirmation

Description

Mobile payment method and mobile payment system using the same {Mobile payment method and mobile payment system using the same}

The present invention relates to a mobile payment method, and more particularly, to a mobile payment method and a mobile payment system applying the payment using a mobile payment means mounted on a mobile device.

The development of mobile communication technology and the development of authentication technology have made it possible to issue a mobile credit card to a mobile device and pay with the issued mobile credit card.

This type of mobile payment has provided a lot of convenience in that the mobile device that the user always carries has replaced the credit card of the wallet. In addition, unlike a credit card of a wallet that is exposed to theft when lost / stolen mobile credit card provides a high security in that it is difficult to steal even if the mobile device is lost / stolen.

However, mobile payment is possible only at a store equipped with a payment terminal capable of supporting mobile payment. In other words, the range of use of mobile payment is extremely limited, so it is required to find a way to expand it.

The present invention has been made to solve the above problems, an object of the present invention is to provide a mobile payment method for obtaining mobile payment information directly or indirectly, requesting mobile payment approval to the mobile payment means.

According to an embodiment of the present invention for achieving the above object, a mobile payment method, the mobile device indirectly obtains mobile payment information; And requesting, by the mobile device, a mobile payment approval for the mobile payment information from a mobile payment means.

The acquiring step may be obtained by receiving, via a push message, mobile payment information generated by a user of the mobile device through another terminal.

In addition, the requesting step, if the push message is received, the mobile device to execute a mobile payment application; Receiving information on a mobile payment means through the mobile payment application; And requesting a mobile payment approval from the mobile payment means through the mobile payment application.

Further, the mobile payment method according to an embodiment of the present invention, if the mobile payment is approved, may further include providing a web commerce performed through the other terminal to the mobile commerce through the mobile device.

In addition, the mobile payment method according to an embodiment of the present invention, if the mobile commerce is provided through the mobile device, the step of terminating the web commerce that was performed through the other terminal; may further include.

The acquiring step may acquire mobile payment information through at least one of a direct input by a person and short-range communication.

In addition, the mobile payment information may include store information and payment price information.

The acquiring step may include receiving store information from a user or a store owner, reading a tag or code of a store, receiving the store information, or receiving the store information by selecting a store registered in the mobile device. have.

In addition, the requesting step may be performed when it is confirmed that a store corresponding to the store information exists.

And, the mobile payment method according to an embodiment of the present invention, if the mobile payment is approved, the step of guiding payment approval to the mobile device of the shop owner; may further include.

On the other hand, according to another embodiment of the present invention, a mobile device, a communication unit connected to communicate with the mobile payment management server; Secure Element (SE) equipped with a mobile payment means; And a controller for indirectly obtaining mobile payment information and requesting the mobile payment means to approve the mobile payment for the mobile payment information from the credit card company through the mobile payment management server connected to the communication unit.

As described above, according to the present invention, the use range of mobile payment can be extended, thereby enabling activation of mobile payment. In particular, payment by mobile credit card is possible in a store that does not have a payment terminal that supports mobile payment.

In addition, since there is no risk of loss / theft of the mobile credit card, it is possible to minimize the risk of crime.

1 is a view provided to explain the mobile payment method according to an embodiment of the present invention,
2A is a diagram illustrating a mobile commerce screen;
2b is a diagram illustrating a payment screen provided for checking payment amount and selecting a mobile credit card for payment;
2C is a diagram illustrating a password input screen for user authentication;
2d is a diagram illustrating a mobile payment approval guide screen;
3 is a view provided to explain a mobile payment method according to another embodiment of the present invention;
4 illustrates a guide popup for guiding a push message delivery to a user;
5 is a view provided to explain a mobile payment method according to another embodiment of the present invention;
6 is a view provided to explain a mobile payment method according to another embodiment of the present invention;
7 is a diagram illustrating an offline commerce payment screen,
8 is a detailed block diagram of a user smartphone, and
9 is a detailed block diagram of a mobile payment management server.

Hereinafter, the present invention will be described in detail with reference to the drawings.

1. Mobile payment service ( Mobile Payment Service )

Mobile payment is a payment using a mobile credit card issued to a SE (Secure Element) of a mobile device, such as a smart card of a smartphone, the payment process is performed by a mobile payment application installed in the mobile device. Hereinafter, various types of mobile payment services will be presented and described.

2. Mobile payment service # 1: mobile Commerce

1 is a view provided to explain the mobile payment method according to an embodiment of the present invention. FIG. 1 illustrates a process of mobile payment using a mobile credit card for the money generated by mobile commerce (mobile internet based electronic commerce).

As shown in FIG. 1, first, the mobile commerce application of the user's smart phone 110 is executed to use the mobile commerce provided by the online-commerce server 150 (S205). When the mobile credit card is selected as the payment means (S210), the mobile payment application of the user smartphone 110 is called and executed (S215).

As a result of the step S215, the mobile commerce application screen disappears, the mobile payment application screen appears on the user smartphone 110. In addition, information about the payment amount is transferred from the mobile commerce application to the mobile payment application (S220).

The mobile payment application executed in step S215 performs a user authentication procedure by confirming a password after a user verification procedure for a payment price and a mobile credit card selection procedure for payment in step S220 (S230).

FIG. 2A illustrates a mobile commerce screen to explain the details of step S205. In addition, FIG. 2B illustrates a payment screen provided for checking a payment price and selecting a mobile credit card for payment in order to further explain the operation S225. In addition, FIG. 2C illustrates a password input screen for user authentication in order to further explain the operation S230.

Referring again to FIG.

If the user is authenticated as a legitimate user in step S230, the mobile payment application of the user smartphone 110 delivers the mobile payment information required for payment payment to the mobile payment management server 140 (S235).

The mobile payment information delivered from the mobile payment application of the user smartphone 110 to the mobile payment management server 140 in step S235, 1) mobile credit card information, 2) online-commerce company information and 3) payment price do.

The mobile payment management server 140 requests the mobile payment approval while transferring the mobile payment information received in step S235 to the credit card company server 170 (S240). When the mobile payment approval is received from the credit card company server 170 in response to the request in step S240 (S245), the mobile payment management server 140 transmits the received mobile payment approval to the user smartphone 110 (S250). ).

The mobile payment application of the user smartphone 110, which has received the mobile payment approval through step S250, displays the result of the mobile payment approval on the display, notifies the user, and ends (S255).

FIG. 2D illustrates a mobile payment approval guide screen displayed on the display of the smartphone 110 in order to further explain the operation S255.

After performing step S255, the mobile payment application screen disappears and the mobile commerce application screen appears on the user smartphone 110. The mobile commerce application provides a purchase / booking confirmation screen to the user (S260).

On the other hand, the mobile payment management server 140 transmits the mobile payment approval received in step S245 to the online-commerce server 150 (S265).

3. Mobile payment service # 2: web Commerce  #One

3 is a view provided to explain a mobile payment method according to another embodiment of the present invention. 3 shows a process of mobile payment with a mobile credit card for the money generated by the web commerce (web based e-commerce).

As shown in FIG. 3, first, the user PC 120 uses the web commerce provided from the online-commerce server 150 through a web browser (S305), and uses mobile as a means of payment generated by the web commerce. When the credit card is selected (S310), the online-commerce server 150 stops the web commerce screen of the user PC 120 and displays a message indicating that "mobile payment is in progress" (S315).

In addition, the online-commerce server 150 requests the mobile payment while transferring the mobile payment information to the mobile payment management server 140 (S320).

The mobile payment information transmitted from the online-commerce server 150 to the mobile payment management server 140 in step S320 includes 1) a user's telephone number, 2) online-commerce company information, and 3) payment price.

The mobile payment management server 140 that has received the mobile payment request from the online-commerce server 150 transmits the mobile payment information to the push server 130 (S325). Then, the push server 130 pushes the mobile payment information to the user smart phone 110 with reference to the received user phone number (S330).

Mobile payment information pushed from the push server 130 to the user smartphone 110 in step S330 includes 1) online-commerce company information and 2) payment price.

The mobile payment application of the user smartphone 110 is called and executed by the push message of step S330 (S335). The mobile payment application executed in step S335 performs a user authentication procedure by confirming a password after a user verification procedure for a payment and a mobile credit card selection procedure for payment (S340).

4 illustrates a guide popup for guiding a user that a push message has been delivered from the push server 130 to the smartphone 110 for further explanation of step S330.

Meanwhile, the payment screen provided for checking the payment price and selecting the mobile credit card to pay for step S340 of FIG. 3 may be implemented as shown in FIG. 2B, and the password provided for checking the password for step S345. The input screen may be implemented as shown in FIG. 2C.

Again, this will be described with reference to FIG. 3.

When the user is authenticated as a legitimate user in step S345, the mobile payment application of the user smartphone 110 delivers the mobile payment information necessary for payment payment to the mobile payment management server 140 (S350).

Mobile payment information delivered from the mobile payment application of the user smartphone 110 to the mobile payment management server 140 in step S350, 1) mobile credit card information, 2) online-commerce company information and 3) payment price do.

The mobile payment management server 140 transmits the mobile payment information received through the step S350 to the credit card company server 170 and requests the mobile payment approval (S355). When the mobile payment approval is received from the credit card company server 170 in response to the request in step S355 (S360), the mobile payment management server 140 transmits the received mobile payment approval to the user smartphone 110 (S365). ).

The mobile payment application of the user smartphone 110, which has received the mobile payment approval through step S365, displays the mobile payment approval result on the display, notifies the user, and ends (S370). The mobile payment approval guide screen in operation S370 may be implemented as shown in FIG. 2D.

On the other hand, the mobile payment management server 140 transfers the mobile payment approval to the online-commerce server 150 from the credit card company server 170 received in step S360 (S375). The online-commerce server 150 that has received the mobile payment approval converts the web commerce screen of the user PC 120 to the purchase completion screen (S380).

In the mobile payment shown in FIG. 3, it is assumed that the user authentication procedure is performed by confirming the password. However, in order to strengthen user authentication, it is possible to further use a Mobile Directory Number (MDN) and a Personal Identification Number (PIN) in addition to the password in the mobile payment management server 140.

In this case, when the mobile payment application transfers the mobile payment information to the mobile payment management server 140 in step S350, the MDN and the PIN are delivered together, and the mobile payment management server 140 uses the MDN and the PIN to perform an additional authentication procedure. Will be performed.

Accordingly, the user smartphone 110 may indirectly obtain mobile payment information from the mobile payment management server 150 to request mobile payment with a mobile credit card, which is a kind of mobile payment means.

4. Mobile payment service # 3: web Commerce  #2

5 is a view provided to explain a mobile payment method according to another embodiment of the present invention. FIG. 5 shows another process of mobile payment with a mobile credit card for the money generated by the web commerce.

As shown in FIG. 5, first, the user PC 120 uses the web commerce provided by the online-commerce server 150 through a web browser (S405), and as a means of payment generated by the web commerce. When the mobile credit card is selected (S410), the online-commerce server 150 converts the web commerce screen of the user PC 120 to the order / delivery inquiry screen (S415).

The item appears as "waiting for mobile payment" in the order / delivery inquiry list displayed on the order / delivery inquiry screen provided through step S415.

In addition, the online-commerce server 150 requests the mobile payment while transferring the mobile payment information to the mobile payment management server 140 (S420).

The mobile payment information transferred from the online-commerce server 150 to the mobile payment management server 140 in step S420 includes 1) a user's telephone number, 2) online-commerce company information, and 3) a payment price.

The mobile payment management server 140 that has received the mobile payment request from the online-commerce server 150 transmits the mobile payment information to the push server 130 (S425). Then, the push server 130 pushes the mobile payment information to the user smart phone 110 with reference to the received user phone number (S430).

Mobile payment information that is pushed from the push server 130 to the user smartphone 110 in step S430 includes 1) online-commerce company information and 2) payment price.

The mobile payment application of the user smartphone 110 is called and executed by the push message of step S430 (S435). The mobile payment application executed in step S435 performs a user authentication procedure by confirming a password after a user verification procedure for a payment price and a mobile credit card selection procedure for payment (S440).

The push message guide popup in step S430 may be implemented as shown in FIG. 4. Meanwhile, the payment screen provided for checking the payment price and selecting the mobile credit card for the payment of step S440 of FIG. 5 may be implemented as shown in FIG. 2B, and the password provided for checking the password for step S445. The input screen may be implemented as shown in FIG. 2C.

Again, this will be described with reference to FIG. 3.

If the user is authenticated as a legitimate user in step S445, the mobile payment application of the user smartphone 110 delivers the mobile payment information required for payment to the mobile payment management server 140 (S450).

Mobile payment information delivered from the mobile payment application of the user smartphone 110 to the mobile payment management server 140 in step S450, 1) mobile credit card information, 2) online-commerce company information and 3) payment price do.

The mobile payment management server 140 transmits the mobile payment information received through the step S450 to the credit card company server 170 and requests the mobile payment approval (S455). When the mobile payment approval is received from the credit card company server 170 in response to the request in step S455 (S460), the mobile payment management server 140 transmits the received mobile payment approval to the user smartphone 110 (S465). ).

The mobile payment application of the user smartphone 110, which has received the mobile payment approval through step S465, notifies the user by displaying the mobile payment approval result on the display (S470), executes by calling the mobile commerce application, and ends. S475).

The mobile commerce application executed in step S475 displays a purchase completion screen (S480). By the steps S475 and S480, the mobile commerce is performed in parallel with the web commerce proceeded through the steps S405 to S415.

As a result, the user may check payment information (payment information, payment items, and detailed information about payment items) through the user smartphone 110 instead of the user PC 120, and may continue mobile commerce. have.

On the other hand, the mobile payment management server 140 transmits the mobile payment approval also received in step S460 to the online-commerce server 150 (S485). The online-commerce server 150 that has received the mobile payment approval changes the corresponding item to "mobile payment completed" in the order / delivery inquiry list displayed on the order / delivery inquiry screen of the user PC 120 (S490).

Meanwhile, in step S490, the online-commerce server 150 may terminate the web commerce performed by the user PC 120 and process the mobile commerce by the mobile commerce application of the user smartphone 110 to be maintained.

Thereby, the user smartphone 110 may indirectly obtain mobile payment information from the mobile payment management server 150 to request mobile payment with a mobile credit card, which is a kind of mobile payment means.

5. Mobile payment service # 4: offline Commerce

6 is a view provided to explain a mobile payment method according to another embodiment of the present invention. 6 shows a process of mobile payment with a mobile credit card for the money generated by offline commerce (commerce in an offline store).

As shown in FIG. 6, when the mobile commerce application of the user's smart phone 110 is executed and the "offline commerce payment" item is selected to mobile payment of the money generated by the commerce in the offline store with the mobile credit card ( S505), the mobile payment application of the user smartphone 110 displays the offline commerce payment screen (S510).

7 illustrates an offline commerce payment screen. As shown in FIG. 7, the 'commerce payment input window' and 'store unique number input window' are displayed on the offline commerce payment screen.

The payment amount and the store's unique number can be directly entered by the user or the store owner. In addition, the store unique number can be automatically entered by tagging a store tag provided in the store.

The store tag is a tag that contains a store's unique number and can be implemented as a tag recognizable by RFID (Radio Frequency IDentification) reading, Near Field Communication (NFC), or the like. In addition, the store tag may be replaced with an optical tag such as a QR (Quick Response) code or a barcode containing a store unique number.

On the other hand, the offline commerce payment screen shown in Figure 7 is the item "view retail stores" is shown. Frequently used stores are registered in the "View regular stores" item and can be selected. In this case, the registered store can be replaced with the input of the unique store number.

Again, this will be described with reference to FIG. 6.

When the payment amount and the store unique number are input through the offline commerce payment screen provided in step S510 (S515), the mobile payment application of the user smartphone 110 transmits the input store unique number to the mobile payment management server 140. (S520).

The mobile payment management server 140 checks whether a store corresponding to the store unique number received through step S520 actually exists (S525). Step S525 is a procedure for verifying that the shop unique number input in step S515 is made correctly.

If it is confirmed as an existing store in step S525, the mobile payment management server 140 requests the mobile payment process to the mobile payment application of the user smartphone 110 (S530).

Accordingly, the mobile payment application of the user smartphone 110 performs a user authentication procedure by confirming the password after the user verification procedure for the payment and the mobile credit card selection procedure to pay (S535).

The payment screen provided for checking the payment price and selecting the mobile credit card to pay for step S535 of FIG. 6 may be implemented as shown in FIG. 2B, and the password input screen provided for checking the password for step S540. May be implemented as shown in FIG. 2C.

If the user is authenticated as a legitimate user in step S540, the mobile payment application of the user smartphone 110 delivers the mobile payment information necessary for payment to the mobile payment management server 140 (S545).

The mobile payment information delivered from the mobile payment application of the user smartphone 110 to the mobile payment management server 140 in step S545, 1) mobile credit card information, 2) store unique number and 3) payment price.

The mobile payment management server 140 transmits the mobile payment information received through the step S545 to the credit card company server 170 and requests the mobile payment approval (S550). When the mobile payment approval is received from the credit card company server 170 in response to the request in step S550 (S555), the mobile payment management server 140 transmits the received mobile payment approval to the user smartphone 110 (S560). ).

The mobile payment application of the user smartphone 110, which has received the mobile payment approval through step S560, displays the mobile payment approval result on the display, notifies the user, and ends (S565).

On the other hand, the mobile payment management server 140 transmits the mobile payment approval message received in step S555 to the push server 130 (S570). Then, the push server 130 pushes the mobile payment approval message to the store owner smartphone 160 (S575), the mobile payment application of the store owner smartphone 160 is called and executed by the push message in step S575 ( S580).

The mobile payment application of the shop owner smartphone 160 executed in step S580 displays a mobile payment approval guide message (S585). As a result, the shop owner recognizes that the payment is normally approved.

If the shop owner's smartphone 160 cannot install the mobile payment application, the push message delivered through step S575 may be replaced with an SMS message.

On the other hand, the store existential check in step S525 is implemented to determine only the shop unique number, it is possible to further use the location information of the user smartphone 110 for more accurate determination. That is, when the location of the store specified by the shop unique number is the same as or adjacent to the location of the user smartphone 110, it is possible to treat the store unique number input as being made correctly.

Accordingly, the user smartphone 110 may indirectly obtain mobile payment information through at least one of a direct input by a person (a user and a store owner) and short-range communication to request a mobile payment with a mobile credit card, which is a kind of mobile payment method. Will be.

6. User smartphone

8 is a detailed block diagram of the user smartphone 110. As illustrated in FIG. 8, the user smartphone 110 includes a communication unit 111, a touch screen 112, a processor 113, a secure element (SE) 114, and a storage 115.

The communication unit 111 is a means for communicating in communication with the push server 130, the mobile payment management server 140, and the online-commerce server 150.

The touch screen 112 functions as a display on which the mobile commerce application and the mobile payment application execution screen are output, and functions as a user input means for receiving a user command and transmitting the received user command to the processor 113.

The SE 114 is a secure storage space in which a mobile credit card is mounted, and the storage unit 115 is a storage space in which a mobile commerce application and a mobile payment application are installed.

The processor 113 executes the mobile commerce application and the mobile payment application, and performs the procedures performed by the user smartphone 110 among the procedures illustrated in FIGS. 1, 3, 5, and 6.

7. Mobile payment management server

9 is a detailed block diagram of the mobile payment management server 140. As shown in FIG. 9, the mobile payment management server 140 includes a network interface 141, a controller 142, and a database (DataBase) 143.

The network interface 141 is a means for communicating in communication with the user smartphone 110, the push server 130, the online-commerce server 150, and the credit card company server 170.

The DB 143 has a database of user information and authentication information necessary for mobile payment management.

The controller 142 performs the procedures performed by the mobile payment management server 140 among the procedures illustrated in FIGS. 1, 3, 5, and 6.

It goes without saying that the technical idea of the present invention can also be applied to a computer-readable recording medium having a computer program for performing the functions of the apparatus and method according to the present embodiment. In addition, the technical idea according to various embodiments of the present invention may be embodied in computer-readable code form recorded on a computer-readable recording medium. The computer-readable recording medium is any data storage device that can be read by a computer and can store data. For example, the computer-readable recording medium may be a ROM, a RAM, a CD-ROM, a magnetic tape, a floppy disk, an optical disk, a hard disk drive, or the like. In addition, the computer readable code or program stored in the computer readable recording medium may be transmitted through a network connected between the computers.

While the present invention has been particularly shown and described with reference to exemplary embodiments thereof, it is to be understood that the invention is not limited to the disclosed exemplary embodiments, but, on the contrary, It will be understood by those skilled in the art that various changes in form and details may be made therein without departing from the spirit and scope of the present invention.

110: user smartphone
120: user PC
130: push server
140: mobile payment management server
150: online-commerce server
160: shop owner smartphone
170: credit card company server

Claims (11)

Indirectly obtaining, by the mobile device, the mobile payment information; And
Requesting, by the mobile device, a mobile payment approval for the mobile payment information to a mobile payment means.
The method of claim 1,
The acquiring step includes:
Mobile payment method, characterized in that the user of the mobile device to obtain the mobile payment information generated through the other terminal via a push message.
The method of claim 2,
Wherein the requesting step comprises:
When the push message is received, executing the mobile payment application by the mobile device;
Receiving information on a mobile payment means through the mobile payment application; And
And requesting a mobile payment approval to the mobile payment means through the mobile payment application.
The method of claim 2,
And if the mobile payment is approved, providing the web commerce that has been performed through the other terminal to the mobile commerce through the mobile device.
5. The method of claim 4,
If the mobile commerce is provided through the mobile device, terminating the web commerce which was performed through the other terminal.
The method of claim 1,
The acquiring step includes:
A mobile payment method comprising obtaining mobile payment information through at least one of direct input by a person and near field communication.
The method according to claim 6,
The mobile payment information,
Mobile payment method comprising the store information and payment information.
8. The method of claim 7,
The acquiring step includes:
A mobile payment method comprising receiving store information from a user or a store owner, reading a tag or code of a store, receiving the store information, or receiving the store information by selecting a store registered in the mobile device.
8. The method of claim 7,
The requesting step,
Mobile payment method characterized in that performed when it is confirmed that the store corresponding to the store information exists.
8. The method of claim 7,
If the mobile payment is approved, the step of guiding the payment approval to the mobile device of the shop owner; Mobile payment method further comprising.
A communication unit connected to communicate with the mobile payment management server;
Secure Element (SE) equipped with a mobile payment means; And
And indirectly obtaining mobile payment information and requesting the credit card company to approve the mobile payment for the mobile payment information from the credit card company through the mobile payment management server connected to the communication unit. Mobile devices.

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