KR20140030826A - The payment system after confirming your payment - Google Patents

Abstract

The present invention relates to a system for making a payment after user confirmation is acquired in a direct signature method using a terminal such as a smart device in order to prevent automatic transfer, automatic payment, and approval from being performed without user agreement. The purpose of the present invention is to prevent personal damage from occurring by other people by preventing voice phishing, small amount payment by a cell phone, etc. in which a user makes a payment although the user does not want to do or without knowing what the user is doing. When a company using the system (2) requests a fixated certain payment from institutions capable of payment (4), a member can make a payment by approving the payment using a terminal such as a smart device which can confirm member identification such as a USIM chip in a terminal such as a smart device owned by the member, a personal certificate (if the certificate has been downloaded in a smart device), etc. or signing a name on a signature window made on a terminal such as a smart device. [Reference numerals] (1) Member; (2) Institution using the system; (4) Institutions capable of payment

Description

The payment system after confirming your payment}

The present invention is a system in which payment is obtained by obtaining the user's consent every time by direct signature to a terminal such as a smart device in order to prevent direct debit, automatic payment, and approval made against the intention of the person. B It is about trying to prevent personal damages caused by others by preventing such things as voice phishing and micro payments that are made without payment.

       Also, when purchasing online with a card, this does not depend on a direct signature.When purchasing by direct signing with a card, the SIM chip and personal certificate in a terminal such as a smart device owned by the user are communicated with the POS device of the cash register. (If you download and hold on a smart device), you can approve it with a terminal such as a smart device that can verify your identity, or you can make a payment by signing a signature window on a terminal such as a smart device.

With the development of communication technology, various communication media have been developed. Especially, the use of mobile phones has been popularized due to the development of wireless communication technology. The wireless Internet service has become more common than the wireless communication service. Doing. With these efforts, portable smart devices have been developed and popularized. Smart devices are now owned and used by more than one person.

    These technological advances have made changes in the usage environment, which has made it possible to use it anywhere and anytime as the Internet, which was only available on the desk computer, has emerged. With the development of wireless Internet technology, various forms of commerce through the Internet are being formed.

     Recently, with the commercialization of smartphones, a call function and an internet access function using a communication network have been implemented in one device. Therefore, users using smartphones use a call function and an internet access function separately.

      With the spread of mobile phones, there was a technology that allows individuals to receive texts and other contents in real time, but it was used only in one way to inform the user of the usage, and the payment was made without recognizing the fact of payment and later confirmed by invoice. . With the development of various mobile apps for smartphones, more various payments are possible, such as wallet functions and internet bankbooks without a bank account. A card payment machine that can be used by connecting a card reader to a smartphone has been developed, and a method of using a card reader to read a card by reading a card and signing a smartphone without using a separate card terminal has been used. .

In the direct debit service, the bank and financial settlement agency's relay system connects the banks with the banks to manage the funds related to all banks by simply accessing the financial settlement center. CMS (Cash Management Service), which provides services such as CMS ASP, has become a service. These services It is an integrated payment service that supports regular and continuous funds (product sales charges, service usage fees, support funds, membership fees, etc.) of user organizations through financial settlement means such as automatic transfer and virtual accounts (unpaid bank deposit).

           When signing up or making online payments, there is a case where payment is made after confirmation through personal authentication. In this case, if the user sends a number to his or her cell phone after authentication of his cell phone, the user enters the number on the PC and the payment is made when the number sent by the user matches the number. .

 The present invention in the payment institutions (4) card payment, direct debit, such as a small payment, such as a mobile phone payment when the member (1) the person is recognized before the payment is made in the post notification all payments The payment is made after the member (1) checks the information, such as payment and approval, which is not recognized by the member (1). For example, voice phishing, micropayment of special communication, Even if the automatic debit is not to be made by canceling the service is to provide a service that can prevent payment, membership, loans, etc. are made by the request for direct debit of the user (2).

        Purchasing other than the member (1) 's own person For example, in case of loss or purchase through the agent, the member (1)' s own person must confirm and approve the payment or approval. In the former case, if the user did not recognize the fact that he / she lost the payment method such as a card or the like, he or she did not report the loss. In the latter case, the user used the payment method through an agent. If you can confirm and approve and make payment, you can make sure that you pay only exactly what you want. If there is no payment after confirmation, payment will be suspended. ) To tell you this.

        The use of the wireless Internet in smart devices has become a dispute because I am not aware of the Internet. If I apply the approval system after confirmation, this will not happen.

First, the member (1) first approves an approval letter to confirm the approval of each designation or all designations, and to make a payment for the first time. The member (1) himself or herself registers with the electronic financial center (3) or through the user institution (2) or payment institutions (3). Settleable institutions 3, such as banks, mobile carriers, fixed line carriers, etc., register the membership registration ledger with the electronic financial center 3.

      After registration, each time a payment request is made by the user institution (2), the device (1) notifies the payment request to the terminal, such as a smart device designated by the user, and confirms the approval by the payment agreement indication such as a confirmation button, signature, and password. Is a system in which payment is made by accepting a payment request by sending to payment-enabled institutions 4 such as banks, mobile carriers, wire carriers, etc., which serve the payment means.

      If a payment request comes to a terminal such as a registered smart device, but there is no indication of payment agreement, it is regarded as rejection. In the rejection, there is a possibility that the member 1 does not know that the payment request has been received, so that the request is made again a predetermined number of times, and if there is no acceptance for the predetermined number of times, the user organization 2 is notified of the fact.

      On the basis of this fact, the user institution 2 can contact the user and request for acceptance, and can make a payment using another payment method by an appointment with the member 1. This system is also possible by assigning to the settlement agencies 4 or subordinate settlements assigned to the child.

     Credit cards can also be obtained by signing up with a letter of authorization. When the wallet function is used in the terminal such as a smart device, such as the current transportation card, payment is possible by communication with the POS device of the cash register. In this case, the payment signature can be done on the signing device connected to the POS device, but the official certificate is transferred to the mobile phone and stored, and the payment is made on a terminal such as a smart device using the official certificate or the SIM chip, or a signature line is created directly on the smart device. You can make a payment by signing a terminal such as your own smart device. You can do this from a terminal such as your own smart device.

 Firstly, the present invention can prevent financial and mental damages caused by voice phishing due to account transfers or unfair withdrawals that are not recognized by the user. Second, it is effective to prevent financial and mental damages caused by malicious or wrong billing, payment, approval, etc., in advance by the powerless individuals of society, such as unfair withdrawal of member use institutions (2). Third, (1) It is effective in preventing financial and mental damages from micropayments, etc., by malicious telecommunications operators, which are not recognized by me.

   The following is the definition of "how to make an account transfer" and "unfair withdrawal" by KFTC.

1) There are two ways to transfer an account : when a customer submits a withdrawal request to a financial institution and when a user receives an application. After receiving the withdrawal agreement, the user institution 2 withdraws a request for withdrawal to the financial institution through the settlement source, withdraws from the customer's account, and the withdrawal result is transmitted.

2) What is unfair withdrawal? The KFTC defines three things.

First, withdrawal without the customer's consent.

Second, unjust withdrawals are also made when a customer withdraws after the termination of the withdrawal agreement, and when the customer does not recognize the facts because the customer has not received the cancellation.

Third, withdraw more than the contract amount in the withdrawal agreement.

3) In case of such fraudulent withdrawal , fill out “CMS withdrawal and error request for money withdrawal”, and send a copy of bankbook (or supporting document) and ID card to KFTC's CMS team. Do the processing.

4) In the event that the user's reimbursement is not performed, ① The customer has not received the CMS withdrawal agreement set forth in the Terms of Use as a result of the KFTC, or ② Due to the loss of contact with the user, the CMS withdrawal agreement If you can not verify the user organization will be terminated after the CMS is suspended.

  As such, the average person must bear the mental and financial loss in the event of an undue withdrawal. I am lucky to receive compensation, but it is hard to receive compensation when it comes to voice phishing, and financial institutions are forced to do so by saying that it is inevitable. And financial institutions can't make up for these losses. Therefore, it is left purely damage to the customer, and experiences many difficult tasks.

   It is effective to prevent financial and mental damages caused by malicious or wrong charges, payments, approvals, etc., by individuals without social powers such as illegal withdrawal of user organizations (2). These are from the convenience of the user organization (2) and are unequal contracts between individuals and companies. The user organization 2 may intentionally perform these tasks by pretending to be a mistake. This is because such a method can generate enormous profits for the user organization 2. An example of this can be seen in the behavior of telecommunications companies at the time of application and termination. When you apply, everything is done on the day, the installation date is set, and the installation is done on the installation date. However, upon termination of the connection, if you are connected to the counselor through multiple calls and standbys, you will not be able to access the website if you go to the website to request termination. If you want to make a call like this, you will have to try and wait several times. This communication fee is also a burden on customers. It takes so much time and effort to make customers harder to give up. In the meantime, the dates entered will extend the termination date, and the customer will be forced to pay the cost. In addition, you do not say that you want to terminate, or intentionally inflate the date of use to charge. In this case, customers often do not recognize automatic payments through direct debit, cards, etc., and if you want to make a correction by recognizing the above-mentioned things happen, it is a little money. If not, later on with the apology, but the customer has already suffered a lot of time and money, but there is no compensation. These customers tend to give up only a small percentage of the total, and most of them are small. But the sum of this money is hundreds of billions. For example, let's say you make a million Internet bills a month in this way. If the calculation is 30,000 won per person, it will be 30 billion won per year, and 10% of it will be net profit of 27 billion won. In 2011, kt's net profit was 6.6%. Then, 27 billion is equivalent to sales of about 400 billion. So easily big companies make money. The sum of these companies is huge.

   This situation can be prevented and the customer must be given the idea that he must respond correctly in time to receive payment properly.

    Among the small payments charged to mobile or landline phones, there are malicious payments by the telecommunications carriers. For example, make a short call to leave a missed call and make a call. And even without notice, a certain amount is billed, but because the amount of the bill is not always constant, it does not make a big difference. In such a case, damage may continue to occur when there is a lack of awareness about reality, such as a minor in society or a young adult. As these objects are newly generated and progressed every year, our society should protect them from such damages.

   There is a public benefit effect that can be the foundation for achieving a fair society by blocking the unscrupulous ideas as described above.

1 is a configuration diagram of a system to be paid after confirming the payment intention of the present invention and is a configuration diagram of the flow of membership registration and registration.
2 is a block diagram of the flow of payment after confirming the payment intention of the present invention.
3 is a flowchart illustrating an operation of a system approved by a user according to an embodiment of the present invention.
4 is a flowchart illustrating an operation in a case where a member does not have a payment doctor in a system in which a payment is made after confirmation of a payment doctor according to an embodiment of the present invention.

The present invention will now be described in detail with reference to the accompanying drawings.

    1 is a configuration and flow chart of the system that the member is registered and registered in the approval system after confirmation. As shown in the figure, the system that the user approves after confirmation is composed of a member (1), a user institution (2), an electronic financial center (3), and a settlement institution (4). Here, the electronic financial center 3 may be operated by a separate service company or may use an electronic financial center inside or outside of each payable institution or an electronic financial center of a related institution.

    As shown in FIG. 1, membership of the system approved by the user after confirmation is available to both the user institution 2, the payment institution 4, and the member 1. User organization (2) and payment institution (4) is received by the customer to register the application is processed with the first one consent. In addition, the member (1) himself or herself may apply for membership (1).

    In this way, if a member (1) is subscribed to the system that he / she confirms and approves, all payments to be paid by the payable institution (4) to the user institution (2) must be recognized and accepted by the payable institution (4). Remittance takes place.

    2 is an operation flowchart of a system approved by the user. When the amount to be paid by the user institution 2 to the member 1 is determined and payment or transfer is to be made, the user institution 2 requests payment or remittance of the amount determined by the payment institution 4. The payment institution (4) requests the member (1) to approve payment or remittance of the amount determined by a smart device or the like, and when the member (1) approves it by means of signature or the like, the payment institution (4) ) Make payments or remittances immediately.

     If the payment institution 4 requests the member to approve the payment or remittance of the fixed amount of the user institution 2, but the member 1 does not approve, the cancellation is automatically made. This fact will be informed to the user (2). The user institution (2) receiving such a fact may contact the member (1) through a customer center, etc., and request the amount calculated by the user institution by a method such as re-request.

1: Member: Member who wants to use the payment system after confirming payment
2: User Organization: means a place where a request is made to payment institutions for payment.
3: Electronic financial center: A place that can be operated by a separate service company, or can be operated by the internal / external electronic financial center of each of the payment institutions or the electronic financial center of the relevant institution, and can check the payment. meaning
4: Payment institutions: A bank, a telecommunications company, etc., where you have a deposit account or phone number to charge the payment.
51: A request to join the system that is confirmed and approved after payment
52: Register as a member to apply for system subscription (first agreed upon)
53: Registered system member who confirms and approves after payment
54: Registered member membership ledger
55: Apply for and register a system that is checked and approved
61: request the member to pay for the payment request of the user institution (2)
62: request for payment of a fixed amount by the user institution (2)
63: The payment institution (4) requests the member to pay the settlement amount requested by the user organization (2)
64: Member (1) approves the payment as a statement of acceptance
65: Payment approval or remittance for payment request from user organization (2)

Claims (4)

System and business model that you check and approve after approval
The method of claim 1, wherein
Business model that is verified and approved after payment
The method of claim 1, wherein
A system that is checked and approved
The method of claim 1, wherein
How to make payment by approval between communication between POS and smart device

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