KR20140047543A - Insurance watch and pament agent system and method based on location of mobile - Google Patents

Abstract

An insurance watch and payment gateway system using a portable terminal and a method thereof are provided. An insurance watch and payment gateway system using a portable terminal according to the present invention includes: a portable terminal of a user; a payment gateway server for providing a pre-registered online ID to the portable terminal and performing the payment by substituting at least one between credit card and bank account using the provided online ID when the user subscribes the insurance; an insurance server for storing insurance information which includes at least one among name, age, address, telephone number of the user, range information of a region which is defined by the user and insurance period information corresponding to the insurance subscription of the user; and a location view server for viewing location information of the portable terminal when completing the payment by the payment gateway server. The insurance server watches a state of the insurance based on at least one among location information and view time information of the portable terminal viewed by the location view server, range information of the region stored in the insurance server, and the insurance period information. [Reference numerals] (100) Payment gateway server; (200) Insurance server; (210) Location view server; (220) Insurance subscription guidance server; (50) Portable terminal

Description

Insurance monitoring and settlement brokerage system based on the location information of the mobile terminal, and a method thereof {INSURANCE WATCH AND PAMENT AGENT SYSTEM AND METHOD BASED ON LOCATION OF MOBILE}

The present invention relates to an insurance monitoring and settlement intermediary system based on the location information of a mobile terminal, and more particularly, to allow a user to easily subscribe and pay insurance using a mobile terminal, Insurance based on the location information of the mobile terminal, which can prevent the insurance fraud by monitoring whether the user has entered the predetermined insurance area based on the location information of the user and checking the location information for a specific time after enrolling the insurance. It relates to a monitoring and settlement brokerage system.

With the development of portable terminals, mobile terminals, which are limited to voice calls and web access, have come to perform rudimentary financial settlement by contacting dedicated terminals.

Currently, portable terminals are used for payment in convenience stores and stores where dedicated terminals are installed by embedding chips issued by banks, but there is a limit on the cost that can be paid, and payment cannot be performed where there is no dedicated terminal. In addition, the chip embedded in the mobile terminal has a side that is difficult to process the payment immediately in the account transfer or general commerce.

In addition, in Korea, in addition to banks and financial companies such as credit card companies, PG (Payment Gateway) is difficult to directly handle the user's account information or card information. Therefore, the payment of the mobile environment is performed by using a Universal Subscriber Identity Module (USIM) chip for user authentication or by using a mobile terminal embedded card certified by a financial company. It is well known that such chips and cards can be used only in stores equipped with a dedicated reader, and are operated at the level of subsidizing card transactions or cash transactions using credit cards within a predetermined limit. . In addition, in the case of such a system, only one credit card can be used. For example, when a credit card having a large discount rate is applied to a specific store or a shopping mall, there is an inconvenience of not being able to apply this benefit. That is, there is a limit that can use only the credit card built in the mobile terminal.

 On the other hand, when a user travels in a specific area, the user often purchases insurance in case of emergency. Such insurance is usually set at the time and area range, and in most cases, insurance is paid for injuries within the set time or area range.

However, since such insurance cannot confirm whether or not the injured person is actually injured within the set time or in the set area, the insurance is also provided for injuries suffered outside the set time or injured outside the set area. If this happens, there is a problem that insurers suffer unfair damages.

The present invention was devised to solve the above-described problem, and allows a user to easily purchase and pay insurance using a mobile terminal, and the user enters a predetermined insurance area based on the location information of the mobile terminal. The purpose of the present invention is to provide an insurance monitoring and settlement intermediation system based on the location information of a mobile terminal which can prevent insurance fraud by monitoring whether or not it is carried out and by checking the location information for a specific time after insurance.

Insurance monitoring and payment intermediation system based on the location information of the portable terminal according to an embodiment of the present invention for achieving the above object, the user's portable terminal;

A payment intermediation server that provides an online ID previously registered to the mobile terminal when the user subscribes to the insurance, and replaces at least one of a credit card and a bank account using the provided online ID;

An insurance server for storing insurance information including at least one of a name, age, address, telephone number, range information of a region set by the user, and insurance period information in response to insurance of the user; And

When the payment is completed by the payment intermediation server, the location lookup server for inquiring the location information of the mobile terminal

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The insurance server monitors the insurance status based on at least one of location information and inquiry time information of the mobile terminal inquired by the location query server, range information of a region stored in the insurance server, and insurance period information.

The payment broker server is characterized in that the payment for the insurance information selected by the user using the online ID corresponding to the user.

The payment intermediation server may include financial company information including a card company name or bank name corresponding to the user, a card name or a bank account name, and login information of the user or a phone number of the mobile terminal to match the financial company information. Financial company registration module for registering the phone information including; When at least one insurance is selected from the mobile terminal based on the insurance information provided in the mobile terminal, the card or bank account list available to the user is withdrawn from the financial company registration module and provided as an interface screen to the mobile terminal. A connection mediation module for providing a connection path to a selected card company or bank based on the interface screen to the mobile terminal; And requesting the card information of the online ID having a unique key value corresponding to the selected credit card or bank account to the financial company server of the card or bank account selected by the user based on the interface screen. And an online ID management module for obtaining a key value of the generated online ID, wherein the connection broker module replaces one of the credit card and the bank account using the online ID through a connection path provided to the mobile terminal. You can proceed with payment.

The above-described protection monitoring and payment intermediation system, when the portable terminal approaches the set area provides an insurance application to the portable terminal, and may further include an insurance induction server for inducing insurance for a predetermined insurance area. have.

The mobile terminal subscribes to insurance through execution of the application, and automatically transmits personal information including at least one of a name, age, address, and telephone number to the insurance server.

The insurance server may set a period from the time when the mobile terminal enters the insurance area to the time of departure based on the location information inquired by the location inquiry server as the insurance period.

The location lookup server queries the location information of the portable terminal based on the address information of the user.

Protection monitoring and payment intermediation method according to an embodiment of the present invention for achieving the above object, in the insurance monitoring and payment intermediation method performed by the insurance monitoring and payment intermediation system based on the location information of the mobile terminal, Providing an online ID to the mobile terminal of the user, and substituting payment for at least one of a credit card and a bank account using the provided online ID; Storing insurance information including at least one of a user's name, age, address, telephone number, range information of a region set by the user, and insurance period information in response to the user's insurance subscription; Retrieving location information of the mobile terminal when payment is completed by the payment broker server; And monitoring an insurance status based on at least one of location information and inquiry time information of the mobile terminal to be inquired, range information of a region stored as the insurance information, and insurance period information, wherein the payment process step includes: Using the online ID corresponding to the user characterized in that the payment for the insurance information selected by the user.

The payment step may include financial company information including a card company name or bank name corresponding to the user, a card name or a bank account name, and a login number of the user or a phone number of the mobile terminal to match the financial company information. Registering phone information including; When at least one insurance is selected from the mobile terminal based on the insurance information provided to the mobile terminal, the card or bank account list available to the user is withdrawn from the financial company registration module and provided to the mobile terminal as an interface screen. step; Providing the portable terminal with a connection path to a selected card company or bank based on the interface screen; And requesting the card information of the online ID having a unique key value corresponding to the selected credit card or bank account to the financial company server of the card or bank account selected by the user based on the interface screen. And obtaining a key value of the generated online ID, and performing payment by replacing one of the credit card and a bank account using the online ID through an access path provided to the mobile terminal.

The above-described protection monitoring and payment intermediation method may further include providing an insurance application to the portable terminal when the portable terminal approaches an area, and inducing insurance subscription for a predetermined insurance area.

In the above-described protection monitoring and payment intermediation method, the mobile terminal subscribes to insurance through the execution of the application, and automatically transmits personal information including at least one of a name, age, address, and telephone number to the insurance server. It may further comprise a step.

In the insurance information storing step, the period from the time when the mobile terminal enters the insurance area to the time when the mobile terminal enters the insurance area is set as the insurance period based on the inquired position information.

In the location information inquiry step, the location information of the mobile terminal may be inquired based on the address information of the user.

1 is a view schematically showing an insurance monitoring and payment intermediation system using a mobile terminal according to the present invention.
2 is a view for explaining the induction of the insurance region and insurance.
3 is a flowchart illustrating an insurance monitoring and settlement intermediation method using a mobile terminal according to an embodiment of the present invention.
4 is a diagram illustrating an example of a payment intermediation server used in the present invention.
5 is a diagram illustrating another example of a payment intermediation server used in the present invention.
6 is a diagram illustrating another example of a payment intermediation server used in the present invention.
7 is a diagram illustrating another example of a payment intermediation server used in the present invention.
8 is a diagram illustrating another example of a payment intermediation server used in the present invention.
9 is a diagram illustrating another example of a payment intermediation server used in the present invention.
10 is a reference diagram for an example of performing a bank transfer using a payment brokerage server.
11 illustrates a reference view for another example of performing a bank transfer using a payment brokerage server.
12 is a diagram schematically showing the configuration of a payment intermediation server used in the present invention.

Hereinafter, with reference to the accompanying drawings will be described in detail the second-hand goods trading / settlement mediation system and its mediation method.

1 is a view schematically showing an insurance monitoring and payment intermediation system using a mobile terminal according to the present invention.

1, the insurance monitoring and settlement brokerage system according to the present invention, the mobile terminal 50, settlement brokerage server 100, insurance server 200, location query server 210 and insurance induction server 220 ) May be included.

The mobile terminal 50 is a terminal possessed by a user, and includes a terminal capable of mobile communication or wireless Internet communication such as a mobile phone, a smart phone, and a personal digital assistant (PDA).

When the user of the mobile terminal 50 purchases insurance, the payment intermediation server 100 provides an online ID previously registered in the mobile terminal 50, and uses at least one of a credit card and a bank account using the provided online ID. Substitute your payment. For a payment brokering method by the payment brokering server 100, refer to the description below.

The insurance server 200 may include at least one of a user's name, age, address, telephone number, range information of a region set by the user, and insurance period information in response to the user's insurance subscription of the mobile terminal 50. Save the information.

When the payment is completed by the payment intermediation server 100, the location inquiry server 210 inquires the location information of the mobile terminal 50. At this time, the location query server 210 inquires the location of the mobile terminal 50 based on a GPS (Global Positioning System) satellite, or based on the mobile communication base station or wireless Internet access point (AP) of the mobile terminal 50 You can query the location. However, the position lookup method of the mobile terminal 50 is not limited to the described method, and various modified position lookup methods may be used.

In this case, the insurance server 200 includes at least one of location information and inquiry time information of the mobile terminal 50 inquired by the location inquiry server 210, range information of the region stored in the insurance server 200, and insurance period information. Monitor insurance status based on one. That is, the insurance server 200 may monitor whether the user is within the range of the set region based on the location information of the mobile terminal 50 inquired by the location lookup server 210, and also the location lookup server 210. It is possible to monitor whether a specific event corresponding to the user has occurred within the set insurance period based on the inquiry time by. To this end, the insurance server 200 preferably records the details of the location information and time information corresponding to the set period, the time of event occurrence, etc. after the user's insurance.

The insurance induction server 220 provides an insurance application to the mobile terminal 50 when the mobile terminal 50 approaches the set area, and induces insurance for the predetermined insurance area. For example, as shown in FIG. 2, when a particular mountaineering area is set as an insurance area, when a user approaches an access path of the insurance area, the mobile terminal 50 of the user is detected and insurance for the insurance area is set. Enrollment can be encouraged. In this manner, the insurance induction inducing server 220 may detect the mobile terminal 50 approaching an area such as an airport or a port, and induce an insurance subscription for an insurance area set correspondingly. At this time, the insurance induction server 220 may provide the insurance application to the mobile terminal 50 with the induction of insurance.

When the mobile terminal 50 installs an application according to an embodiment of the present invention, the mobile terminal 50 subscribes to insurance through the execution of the application, and automatically insurance personal information including at least one of a name, age, address, and phone number. And transmit to 200.

Meanwhile, the insurance server 200 may set a period from the time when the mobile terminal 50 enters the insurance area to the time of departure based on the location information inquired by the location inquiry server 210 as the insurance period. That is, if the user is insured by inducing insurance to the mobile terminal 50 accessing the insurance area, if the location information of the mobile terminal 50 is determined to be out of the insurance area by the location lookup server 210. The insurance server 200 may automatically set the insurance period for the corresponding insurance to expire.

In addition, the location query server 210 may query the location information of the mobile terminal 50 based on the user's address information. That is, the location lookup server 210 may query the location information of the mobile terminal 50 of the user when the address information of the user is more than a distance set from the insurance area. At this time, the insurance induction induction server 220 may be implemented to induce long-term insurance, or do not induce insurance when the user's address information is within a predetermined distance from the insurance area.

3 is a flowchart illustrating an insurance monitoring and settlement intermediation method using a mobile terminal according to an embodiment of the present invention.

1 to 3, the insurance induction server 220 provides an insurance application to the mobile terminal 50 when the mobile terminal 50 approaches the set area, the insurance subscription for the predetermined insurance area Induced (S110).

When the mobile terminal 50 installs an application according to an embodiment of the present invention, the mobile terminal 50 subscribes to insurance through the execution of the application, and automatically insurance personal information including at least one of a name, age, address, and phone number. In operation S120, the transmission may be performed to the 200. In addition, a user of the mobile terminal 50 may access a web page of the insurance server 200 and directly input personal information.

When the user of the mobile terminal 50 purchases insurance, the payment intermediation server 100 provides an online ID previously registered in the mobile terminal 50, and uses at least one of a credit card and a bank account using the provided online ID. Substitute payment proceeds (S130). For a payment brokering method by the payment brokering server 100, refer to the description below.

The insurance server 200 may include at least one of a user's name, age, address, telephone number, range information of a region set by the user, and insurance period information in response to the user's insurance subscription of the mobile terminal 50. Information is stored (S140).

When the payment is completed by the payment intermediation server 100, the location query server 210 inquires the location information of the mobile terminal 50 (S150). At this time, the location query server 210 may query the location information of the mobile terminal 50 based on the user's address information. That is, the location lookup server 210 may query the location information of the mobile terminal 50 of the user when the address information of the user is more than a distance set from the insurance area. At this time, the insurance induction induction server 220 may be implemented to induce long-term insurance, or do not induce insurance when the user's address information is within a predetermined distance from the insurance area.

The insurance server 200 is based on at least one of location information and inquiry time information of the mobile terminal 50 inquired by the location query server 210, range information of a region stored in the insurance server 200, and insurance period information. To monitor the insurance state (S160). That is, the insurance server 200 may monitor whether the user is within the range of the set region based on the location information of the mobile terminal 50 inquired by the location lookup server 210, and also the location lookup server 210. It is possible to monitor whether a specific event corresponding to the user has occurred within the set insurance period based on the inquiry time by.

In this case, the insurance server 200 may set a period from the time when the mobile terminal 50 enters the insurance area to the time of departure based on the location information inquired by the location query server 210 as the insurance period. That is, if the user is insured by inducing insurance to the mobile terminal 50 accessing the insurance area, if the location information of the mobile terminal 50 is determined to be out of the insurance area by the location lookup server 210. The insurance server 200 may automatically set the insurance period for the corresponding insurance to expire.

Hereinafter, the payment brokering server 100 used in the embodiment of the present invention will be described in more detail a method of making a payment by replacing at least one of a credit card and a bank account using an online ID.

Prior to proceeding with the description of the payment broker server used in the present invention, the financial company server mentioned below, card company server, bank server, telecommunication company server, Payment Gateway (PG) server, Value Added Network (VAN) server, and It may be a bank server of various forms, and may be described mixed with the card company server, bank server, telecommunication company server, PG server, and other financial company server mentioned above. In addition, the financial company server may be described and described based on either the card company server or the bank server.

In addition, the portable terminal referred to below refers to a terminal that can access a financial institution server through a network to request payment and receive a payment result. Such a mobile terminal includes a terminal capable of wireless communication while moving, such as a smart tab, a mobile phone, a personal digital assistant (PDA), a smart phone, a laptop, and the like.

In addition, the payment described below may be provided to the side that obtains the product or service, from the side to obtain the product or service. In this case, the request for payment may be provided to the financial company server directly from the mobile terminal, or may be transferred from the card terminal (reader) that performs proximity wireless communication with the mobile terminal to the financial company server.

In addition, the online ID referred to below may be generated and issued at the request of an intermediary system from a financial company, particularly a card company or a bank. The online ID may be used in place of the bank account or credit card of the mobile terminal user. The online ID can be used to enable financial institutions, such as PG companies, to conduct financial transactions in addition to banks and credit card companies, to broker payments or transfers. The online ID may be in the form of a file and may be used in the form of a unique key value in the environment of the present invention. Here, the key value may be in the form of a combination of letters, numbers, and special characters selectively, it is preferable that the same key value does not exist in the characteristics used for financial settlement. In addition, in the present invention, the online value and the key value for the online ID are treated as the same and may be mixed and described. Whether it's a file or a combination of numbers and strings, online IDs and key values play the same role and are not separated.

At this time, the online ID is a user applying for a service using the online ID to the intermediary system, the intermediary system to apply for a number of credit card companies, credit cards of these credit card companies, various banks and bank accounts of these banks, carriers to use the user In this case, the intermediary system requests online ID issuance from the credit card company, bank or telecommunications company's financial company server, and stores the information about these issued online IDs to be used for payment.

That is, when a user logs in to a brokerage system, the brokerage system presents a list of credit card companies, credit cards of these credit card companies, banks and bank accounts of these banks, and telecommunication companies that have previously applied for service to the user terminal. The system transmits an online ID that matches the selected credit card, bank account or telecommunication company from the presented list to the financial institution server for use in payment.

Thus, by selecting a credit card selected from a variety of credit cards of multiple credit card companies (even if the same credit card company has a variety of credit cards), for example, even if one smartphone app is installed, It is possible to use a credit card or bank account by specifying a multi-card or multi account. That is, such a system can distinguish between multiple credit card companies or banks, and it is possible to identify and specify various credit cards or bank accounts of these credit card companies or banks. In this case, when a carrier is selected, the service provider may be used for a small amount of money to be used to charge a communication fee.

In this case, preferably, the financial company server may cause a problem of theft or hacking when the same online ID is continuously used. Therefore, it is desirable to improve the security by providing the intermediary system by updating the online ID issued at regular intervals.

On the other hand, in another preferred embodiment, when the user selects a particular credit card or bank account from the presented list, the intermediary system requests to generate and issue an online ID to the financial company server of the selected credit card or bank account to obtain it once It is okay.

This system not only improves security by not managing multiple online IDs at the intermediary system level, but also selects among various credit cards of various credit card companies (the same credit card company has various credit cards). By being able to identify and pay by credit card, even if one smartphone app is installed, for example, various credit cards or bank accounts can be specified and used as needed, thereby enabling the use of multi-cards or multi-accounts. That is, such a system can distinguish between multiple credit card companies or banks, and it is possible to identify and specify various credit cards or bank accounts of these credit card companies or banks.

In this case, it is desirable to improve security by limiting the maintenance time of the generated online ID, for example, by extinguishing it if it is maintained only for one minute and the generated online ID information is not used or fed back to the financial institution server. Do.

The portable terminal mentioned below may have a built-in NFC (Near Field Communication) chip. NFC chip embedded performs short-range wireless communication is possible, and, when in contact, or adjacent to the local area and a card reader, it is possible to perform data communication, cell information on the Login Hugh the terminal and a password or a phone number The terminal may provide the card reader directly.

In the following description, the card company server and the PG / VAN server are described separately. However, the PG server and the VAN server are currently being integrated with the card company server. Therefore, the PG server or the VAN server is collectively described as a PG / VAN server, and it is noted that the role and function of the PG / VAN server may be included in the card company server. It is also possible to construct the intermediary system in the present invention to function as a PG / VAN server.

The card company described in the present invention refers to a credit card company, and the server operated for processing by the card company is described as a card company server.

Hereinafter, a payment brokerage system between a seller and a buyer and a method for brokering the same according to embodiments of the present invention will be described in detail with reference to the accompanying drawings.

4 is a diagram illustrating an example of a payment intermediation server used in the present invention.

Referring to FIG. 4, the payment broker server 100 according to the present invention is a payment broker server 100 when a user's portable terminal 50 paying a fee, that is, a buyer's portable terminal logs in to the payment broker server 100. 100 provides an interface for selecting a credit card company or a credit card company, or a bank and a bank account to be used for payment by the mobile terminal 50, and the card company selected by the mobile terminal 50, and for using the credit card A connection path to the card company can be provided.

In this case, the financial company information including the credit card company, the credit card company, the bank company and the bank account of the card company is used or intended to be used by the actual user, by subscribing to the service provided by the payment brokerage server 100, or the user's login information or It is desirable to store in advance to match the phone number of the user portable terminal.

At this time, the payment broker server 100 obtains by requesting the generation of a one-time online ID to be used by the user of the mobile terminal 50 to the server 400 of the bank or the card company selected by the user of a plurality of card companies or banks.

Online ID is a mobile terminal (50) users to apply for a service in advance for use with a bank or card company, even in areas where banks and credit companies other than banks (for example, PG company) does not handle bank account information or card information It is designed by the applicant for use in financial transactions.

The online ID may have the form of a file, or a key value formed by a combination of a number and a string. An online ID represents a unique key value, but does not itself have an account number or credit card information. On the other hand, the online identity can correspond to a single bank account or credit card at a bank or credit card company. To this end, the user of the mobile terminal 50 must apply in advance for a payment service provided by the payment intermediation server 100 and a service for using an online ID to a bank or credit card company, and the bank or credit card company uses the mobile terminal 50 user. Provides an online ID generated to match the selected credit card and login information or phone information to the payment broker server 100.

As such, when a user selects a specific credit card or bank account by the presented interface after logging in, the payment brokerage server 100 requests and obtains a one-time online ID issuance to the corresponding financial institution server to obtain an access path to the financial institution server. The payment can be made by presenting.

At this time, more preferably, the financial company server 400 increases security by extinguishing the payment when the payment is completed using the one-time online ID or when the payment is not used for a predetermined time or more.

 Therefore, the obtained online ID is not finally provided to the user's portable terminal 50, and the portable terminal 50 simply causes an event signal such as a payment processing request to be generated. When incoming, the payment process is performed using an online ID that matches the login information or the phone number, thereby preventing the card information from being lost due to the loss of the mobile terminal and the like, thereby improving security. In this case, in the case of a mobile terminal having a phone number such as a smart phone or a mobile phone, the phone number may serve as identification, and in the case of a terminal without a phone number such as a PC, the login information may serve as an identification or the user logs in the phone number. It can be presented and used at the time, and the financial company server 400 generates and provides an online ID to match these phone numbers or login information when receiving the request for generation and provision of the online ID by the payment brokerage server 100.

In this case, even in the case of a mobile terminal having a phone number, it is also possible to construct login information by adding login information.

Therefore, the user of the mobile terminal 50 can use the online ID as if it is a credit card or a bank account. In this case, the user of the mobile terminal 50 may perform a payment by using an online ID or perform a password transfer, as in a normal security authentication method, when performing an account transfer.

The payment broker server 100 provides an interface for selecting a card company and a credit card to be used for payment by the mobile terminal 50 when the mobile terminal 50 is logged in and the card company and the credit card are connected to the mobile terminal 50. If selected, obtain and obtain an online ID generated by the financial company server 400 corresponding to the selected card company, and the financial company server 400 stores the generated online ID (or key value, hereinafter omitted) by credit card, phone number, or login information. To match The mobile terminal 50 requests payment by providing payment information including payment costs to the financial institution server 400 using the online ID with reference to the access path provided by the payment broker server 100, and the financial institution server 400. ) May request a password for the credit card used for payment to proceed with the payment process.

FIG. 5 is a diagram illustrating another example of a payment brokering server used in the present invention. The payment brokerage server shown in FIG. 4 is mediated when any one card or bank account is selected from a list presented by a user's mobile terminal. While the system requests and receives a one-time online ID generation from the financial company's financial company server, it stores and uses each online ID for each card and bank account registered by the user in advance. Is different.

Referring to FIG. 5, when a user registers a plurality of card companies, cards, banks, and bank accounts to be used by a user in advance, the payment intermediation server 100 may advance a card registered by the user to a financial company server 400 corresponding to each other. By providing the phone information, including the bank account, login information or phone number to request the creation of the online ID, and obtains, and stores each matched.

At this time, it is preferable that each financial institution server 400 also stores the generated online ID to match each card or bank account.

Therefore, when a plurality of cards are registered for each card company or a plurality of bank accounts are registered for each bank, a plurality of online IDs are issued even if the same card company or bank is used. That is, when there are a plurality of cards (bank accounts), which are sub-concepts, for each card company (bank) which is an upper concept, an online ID is generated and stored in each sub concept in a 1: 1 matching manner.

As such, when the user registers in advance the financial company information including the card company name or the bank name, the card name or the bank account name to be used, and the phone information including the login information or the phone number, the payment intermediation server 100 transmits the phone information. It is to obtain by requesting the online ID to the corresponding financial company server 400.

Subsequently, when the user logs in and accesses the payment intermediation server 100 with the user portable terminal 50 for payment, the payment intermediation server 100 displays a list of financial company information registered in advance on the user portable terminal 50. The interface screen is presented so that any one of them can be selected.

When any one card or bank account to be used from the user portable terminal 50 is selected, the payment intermediation server 100 corresponds to a card or bank account registered and matched to a selected card or bank account among a plurality of pre-stored online IDs. Provides the online ID information, phone information, and information on payment costs associated with payment to the financial company server 100 of the card company or bank, and the financial company server 100 matches the online ID provided by the payment broker server 100. The payment is processed using the actual card or bank account.

At this time, the financial company server 400 is required to request the input of the OTP (one time password) or password to the phone number of the phone information provided by the payment brokerage server 100 in order to improve the security is to be the payment processing. .

As such, the obtained online ID is not finally provided to the user's portable terminal 50, and the portable terminal 50 simply generates an event signal such as a payment processing request, and the payment broker server 100 requests such an event. If this is the case by using the online ID that matches the login information or phone number to the payment processing to prevent leakage of card information, such as due to the loss of the mobile terminal to improve the security. In this case, in the case of a mobile terminal having a phone number such as a smart phone or a mobile phone, the phone number may serve as identification, and in the case of a terminal without a phone number such as a PC, the login information may serve as an identification or the user logs in the phone number. Can be presented and used at the time, the financial institution server receives the request for the creation and provision of the online ID by the payment brokerage server 100 generates and provides an online ID to match these phone numbers or login information.

In this case, even in the case of a mobile terminal having a phone number, it is also possible to construct login information by adding login information.

Therefore, the user of the mobile terminal 50 can use the online ID as if it is a credit card or a bank account.

On the other hand, more preferably, the financial company server 400 updates a plurality of stored online IDs after a predetermined time or more, and provides the settlement brokerage server 100 to improve security.

2 and 3 in the payment intermediation server shown in FIG. 2 is used without having to process the phone number of the mobile terminal simply by the online ID is issued once or online ID by card or bank account as a sub-concept Even if you have multiple cards or bank accounts (multi-card or multi-account), you can use them all as one app.

On the other hand, Figure 6 is a diagram illustrating another example of the payment brokerage server used in the present invention.

Referring to Figure 4, to solve when the payment process is made between both the user terminal 50 and the recipient terminal 60, the recipient terminal 60 is a card payment machine or reader installed in a conventional restaurant or shopping mall As the same function, instead of sending information such as credit card information or authorized certificate from the user's mobile terminal 50 to the recipient terminal 60, the phone information is transmitted and the recipient terminal 60 uses the payment broker server. The present invention relates to a system and a method for requesting a financial institution server 400 for payment through an access path provided by 100.

This process will be described in detail with reference to FIG.

The payment intermediation server 100 receives from the user the card company name, the card name according to the card company, the phone number of the mobile terminal 50, login information, and information on the access path for each registered card name from the mobile terminal 50 in advance. Save it. Details thereof are described in the embodiments of FIGS. 2 and 3, and thus detailed descriptions thereof will be omitted.

The payment intermediation server 100 provides a card company and a card selectable interface to the mobile terminal 50 when the mobile terminal 50 accesses and performs a log-in, and selects a card selected from the user mobile terminal 50 or the like. Obtain and obtain a one-time online ID issuance to the financial company server 400 of the financial company corresponding to the bank account.

In this case, the payment intermediation server 100 provides only the card company and the card information to the mobile terminal 50 when the mobile terminal 50 accesses and logs in. In this case, the mobile terminal may be installed in the card company provided by the payment intermediation server 100, and the app (App) to display the card information to enable the user selection.

The mobile terminal 50 may sell a product or a service and request a payment to the terminal 60 of the recipient who receives the cost. In this case, the mobile terminal 50 may short-range wireless communication through an embedded NFC chip. It can be performed, and provides the phone number or login information (phone information) of the user mobile terminal 50 to the payment terminal 60. These information may be encrypted, the terminal 60 via the connection path provided by the payment broker server 100, the phone number or login information, and merchant information (merchant name, merchant unique number, or merchant code) PG / The payment may be requested by transmitting to the VAN server 300.

Here, the information may be provided to the financial institution server 400 through a PG server or a VAN server. Therefore, the PG server and the VAN server are referred to collectively as the PG / VAN server 300.

When the payment terminal 60 requests a payment to the PG / VAN server 300, the PG / VAN server 300 receives information on merchant information and payment amount received from the payment terminal 60, and the payment broker server 100. Request information by providing information about the online ID key value received from the financial institution server 400, the financial institution server (card company server, or bank server) to the credit card or bank account corresponding to the key value of the online ID It can find and match, and approve payment for the online ID when there is a correct match result. If payment is approved from the financial institution server 400, the approval result may be notified to the mobile terminal 50. At this time, the approval result may be provided in the form of SMS (Short Message Service).

According to the above payment method, there is an advantage that the security vulnerability of the mobile terminal 50 is largely overcome. The online ID by itself does not contain any kind of card or bank account information. However, it has characteristics similar to the reference numbers used to find actual credit cards or bank accounts at a bank or credit card company. In addition, the payment terminal 60 does not require separate hardware logic for providing the PG / VAN server 300 with numbers, letters, special characters, or key values in which these numbers, characters, and special characters are selectively combined. Do not. Since a separate part or device for providing the key value of the online ID to the PG / VAN server 300 is not required, the existing payment terminal can be used as it is in the present invention.

On the other hand, in the embodiment shown in Figure 4, when the event that the card or bank account is selected to be used in the user mobile terminal 50 occurs when the request to obtain a one-time online ID card generation to the financial institution server and As described above, unlike the embodiment illustrated in FIG. 5, the online ID card may be previously assigned to each card or bank account having a lower concept, and may be used for payment.

Referring to FIG. 7, the payment intermediation server 100 may provide information about a card company name, a card name according to a card company, a phone number of a mobile terminal 50, login information, and a connection path for each registered card name from the mobile terminal 50. The information is registered in advance and stored by the user.

At this time, the payment intermediation server 100 obtains by requesting online ID issuance for each card or bank account of the subordinate concept for each card company or bank account of the registered card, and stores it to match the phone information.

The payment intermediation server 100 provides a card company and a card selectable interface to the mobile terminal 50 when the mobile terminal 50 accesses and performs a log-in, and the card or bank from the user mobile terminal 50. If an account is selected, one-to-one matching online ID card among a plurality of online IDs is specified.

In this case, the payment intermediation server 100 provides only the card company and the card information to the mobile terminal 50 when the mobile terminal 50 accesses and logs in. In this case, the mobile terminal may be installed in the card company provided by the payment intermediation server 100, and the app (App) to display the card information to enable the user selection.

The mobile terminal 50 may sell a product or a service and request a payment to the terminal 60 of the recipient who receives the cost. In this case, the mobile terminal 50 may short-range wireless communication through an embedded NFC chip. It can be performed, and provides the phone number or login information (phone information) of the user mobile terminal 50 to the payment terminal 60. These information may be encrypted, the terminal 60 via the connection path provided by the payment broker server 100, the phone number or login information, and merchant information (merchant name, merchant unique number, or merchant code) PG / The payment may be requested by transmitting to the VAN server 300.

Here, the information may be provided to the financial institution server 400 through a PG server or a VAN server. Therefore, the PG server and the VAN server are referred to collectively as the PG / VAN server 300.

When the payment terminal 60 requests a payment to the PG / VAN server 300, the PG / VAN server 300 receives information on merchant information and payment amount received from the payment terminal 60, and the payment broker server 100. Request information by providing information about the online ID key value received from the financial institution server 400, the financial institution server (card company server, or bank server) to the credit card or bank account corresponding to the key value of the online ID It can find and match, and approve payment for the online ID when there is a correct match result. If payment is approved from the financial institution server 400, the approval result may be notified to the mobile terminal 50. At this time, the approval result may be provided in the form of SMS (Short Message Service).

According to the above payment method, there is an advantage that the security vulnerability of the mobile terminal 50 is largely overcome. The online ID by itself does not contain any kind of card or bank account information. However, it has characteristics similar to the reference numbers used to find actual credit cards or bank accounts at a bank or credit card company. In addition, the payment terminal 60 does not require separate hardware logic for providing the PG / VAN server 300 with numbers, letters, special characters, or key values in which these numbers, characters, and special characters are selectively combined. Do not. Since a separate part or device for providing the key value of the online ID to the PG / VAN server 300 is not required, the existing payment terminal can be used as it is in the present invention.

8 and 9 are diagrams for explaining another example of the payment intermediation server used in the present invention.

4 and 5, when the phone information is provided to the receiver terminal 60 by the near field communication in the user portable terminal 50, the receiver terminal 60 may receive information about the merchant and the payment cost. Although payment is made by providing information and phone information to the financial institution server 400 through the payment intermediation server 100, the embodiment shown in FIGS. 5 and 6 is a user portable terminal 50 in the receiver terminal 60. In the invention of the process of the payment processing in the user's portable terminal 60 when providing information on the merchant information and payment costs to the side by the near side communication, Figure 5 is a process using a one-time online ID (Fig. 1 FIG. 6 shows a process (corresponding to the embodiment shown in FIG. 2) for allocating and using an online ID card for each card or bank account of a subordinate concept in advance. To burn.

Referring to FIG. 8, the mobile terminal 50 may perform a short-term wireless communication with a payment terminal 60 of a cost receiver providing a product or a service, and proceed with payment. Recipient terminal 60 provides the merchant information and payment amount to the mobile terminal 50, the mobile terminal to log in to the payment brokerage server 100 to select the desired card company, and the card according to the card company.

When the user mobile terminal 50 selects a card to be used for payment, the payment intermediation server 100 may provide information on an access path to be connected to the PG / VAN server 300. Obtain and request a personal online ID.

In this case, the mobile terminal 50 may request the payment by providing the merchant information, the payment amount, and the key value of the online ID by accessing the PG / VAN server 300 through the payment intermediation server 100.

The PG / VAN server 300 requests payment by providing payment amount, key value, and merchant information to the financial company server 400 (card company server or bank server), and receives the payment approval result from the financial company server 400. The mobile terminal 50 can be provided. At this time, the PG / VAN server 300 may notify the mobile terminal 50 of the payment approval result by using a short message service (SMS).

The financial institution server 400 may receive a key value of an online ID provided by the PG / VAN server 300 and inquire a credit card or a bank account corresponding to the received key value. As a result of the inquiry, when a credit card or bank account corresponding to the key value exists, payment can be performed for the credit card or bank account.

Referring to FIG. 9, the payment intermediation server 100 may determine a card company name, a card name according to the card company, a phone number of the mobile terminal 50, login information, and a registered path for each card name from the mobile terminal 50. The information is registered in advance and stored by the user.

At this time, the payment intermediation server 100 obtains by requesting online ID issuance for each card or bank account of the subordinate concept for each card company or bank account of the registered card, and stores it to match the phone information.

Thereafter, the mobile terminal 50 may perform a short-term wireless communication with a payment terminal 60 of a cost receiver providing a product or a service, and proceed with payment. Recipient terminal 60 provides the merchant information and payment amount to the mobile terminal 50, the mobile terminal to log in to the payment brokerage server 100 to select the desired card company, and the card according to the card company.

When the user portable terminal 50 selects a card to be used for payment, the payment intermediation server 100 provides information on a connection path to be connected to the PG / VAN server 300 and matches 1: 1 with the selected card or bank account. Specify your online ID.

At this time, the mobile terminal 50 may request the payment by providing the merchant information, the payment amount, and the key value of the specified online ID card by accessing the PG / VAN server 300 through the payment intermediation server 100. have.

The PG / VAN server 300 requests payment by providing payment amount, key value, and merchant information to the financial company server 400 (card company server or bank server), and receives the payment approval result from the financial company server 400. The mobile terminal 50 can be provided. At this time, the PG / VAN server 300 may notify the mobile terminal 50 of the payment approval result by using a short message service (SMS).

The financial institution server 400 may receive a key value of an online ID provided by the PG / VAN server 300 and inquire a credit card or a bank account corresponding to the received key value. As a result of the inquiry, when a credit card or bank account corresponding to the key value exists, payment can be performed for the credit card or bank account.

Meanwhile, the settlement brokerage server mentioned in FIGS. 2 to 7 may be used for account transfer in addition to financial transactions for goods or services. This will be described with reference to FIGS. 8 and 9.

10 is a reference diagram for an example of performing a bank transfer using a payment brokerage server.

Referring to FIG. 10, the mobile terminal 50 requests an account transfer service by logging in to the payment intermediation server 100, and the payment intermediation server 100 provides an interface for selecting a bank and account information for performing the account transfer. In addition, when a specific bank and an account to be used are selected in the mobile terminal 50, an access path to the selected bank account may be provided to the mobile terminal 50. The user of the mobile terminal 50 preferably registers one or more bank accounts to be used in advance in the payment intermediation server 100.

If the user of the mobile terminal 50 clearly knows the target of the transfer, that is, the target of the transfer, and knows his / her account clearly, the app installed in the mobile terminal 50 may be a payment intermediation server ( 100 is connected to the financial institution server (bank server) 400 along the connection path provided in the app, App (App) to the key value, the transfer amount, the transfer target account number of the online ID along the provided connection path settlement brokerage server (100) In accordance with the access path provided by the provided by the financial institution server 400 may request a bank transfer.

At this time, the financial institution server 400 inquires the real account number corresponding to the key value of the online ID provided by the mobile terminal 50. As a result of the inquiry, when a real account corresponding to the key value of the online ID exists, the financial institution server 400 sets the cost to be transferred from the account. Thereafter, the financial company server 400 sends the authentication number to the mobile terminal 50, and the user of the mobile terminal 50 checks the received authentication number and then feeds back to the financial company server 300 through the mobile terminal 50. The authentication process for the mobile terminal 50 may be completed.

In this case, when the bank to be transferred is the other party, the financial company server 400 may proceed with the other party's deposit and request a certain fee from the person to be transferred or the user of the mobile terminal 50.

When the authentication process is completed, the financial institution server 400 withdraws the expenses from the real account corresponding to the key value of the online ID and proceeds with the transfer of the account to the account number specified by the user of the mobile terminal 50, and the result of the mobile terminal ( 50) can be notified.

8 is a reference view for another example of performing a wire transfer using a payment brokerage server.

Referring to FIG. 11, when the portable terminal user does not know the target account number for transfer, a reference diagram for explaining a process of transferring the account is carried out. After the user of the portable terminal 50 logs in to the payment brokerage server 100, the transfer is performed. When the request is made and the payment intermediation server 100 provides an access path to the financial institution server 400, after accessing the financial institution server 400 through the access path, the key of the online ID for authenticating the mobile terminal 50 is provided. The value, the transfer amount details, and the phone number of the mobile terminal to be transferred are transmitted.

The financial institution server 400 may generate a virtual account including a key value of an online ID, a transfer amount, and information on a transfer target (eg, a mobile terminal phone number of a transfer target), which may specify a user of the mobile terminal 50. The account number of the transfer target can be inquired by referring to the phone number of the transfer target or.

When creating a virtual account, the transfer recipient's phone number is treated as a single account, and if the transfer target proves to be a legitimate transfer recipient using his / her phone number, he / she will pay the transfer deposit to the virtual account. Can be.

That is, when the virtual account is generated in the financial company server 400, the payment intermediation server 100 notifies the occurrence of the event to the mobile terminal of the transfer target, and the transfer target is logged into the payment mediation server 100 by the mobile terminal to his phone. The payment intermediation server 100 transmits a number and provides an interface for selecting bank and account information to be received by the mobile terminal of the transfer target, and the selected bank account information and transfer when the transfer target selects the bank and account information to be received. The phone number of the subject is transmitted to the financial institution server 400 so that the financial institution server 400 can be remitted.

At this time, the transfer target person is connected to the financial institution server 400 through the online to present their phone number, and when the financial institution server 400 transmits the authentication number, the feedback to prove that the transfer target, or stop by offline banks After presenting the resident registration card and the mobile terminal, the user can receive the transfer amount after demonstrating that he / she is a legitimate transfer target.

On the other hand, the financial company server 400 queries the mobile number of the transfer target user presented by the user of the mobile terminal 50 to the mobile communication company server (not shown) to find the transfer target, based on the transfer target can receive the transfer cost You can also look up an account.

In this case, the financial company server 400 transmits the guidance message to the phone number of the transfer target, inquires the bank company to receive the transfer amount, and the account number, and transmits the authentication number to the mobile terminal of the transfer target to proceed with the authentication process. It may be.

In this case, when the bank to be transferred is the other party, the financial company server 400 may proceed with the other party's deposit and request a certain fee from the person to be transferred or the user of the mobile terminal 50.

12 is a diagram schematically showing the configuration of a payment intermediation server used in the present invention.

Referring to FIG. 12, the payment broker server 100 may include a financial institution registration module 110, a connection broker module 120, an online ID management module 130, a transfer module 140, an online ID mapping module 150, and It may be configured to include a database (130).

The financial company registration module 110 registers a card company name to be used for payment by the user, card name, and a mobile terminal number to be used for payment by the user. The financial company registration module 110 registers the side performing the payment in the payment intermediation server 100. Payments may not be clearly defined by the buyer and seller of the goods, so it is desirable that all participants in the mobile transaction are registered.

The online ID management module 130 may be connected to a server of a bank or a card company, receive a request for generating an online ID of a user registered in the financial company registration module 110, and register it in the database 160. When the user of the mobile terminal 50 performs payment or transfer, the online ID management module 130 requests the financial institution server 400 to generate a key value of the user's online ID of the mobile terminal 50. The value is not provided to the mobile terminal 50, and the user of the mobile terminal 50 accesses the PG / VAN server 300 or the financial company server 400 using the online ID key value along the provided connection path to pay the cost. You can proceed.

The transfer module 140 may provide a transfer service to the user of the mobile terminal 50. The transfer module 140 requests the user of the mobile terminal 50 for the transfer amount, the transfer target account, the phone number of the transfer target, and the like, when the user of the mobile terminal 50 provides these information, the user of the mobile terminal 50 After authentication, you can proceed with the cost transfer.

If the transfer target account number is unclear, the transfer module 140 may generate a key value of the online ID or a phone number of the transfer target as a virtual account number. At this time, the transfer module 140 inquires the bank or account for the transfer to the mobile terminal of the transfer target, and then authenticates the transfer target using SMS, and when the authentication is completed, the transfer module 140 can provide the transfer target with the money deposited in the virtual account. have.

The online ID mapping module 150 maps the phone number, card company, and credit card information of the user of the mobile terminal 50 to the key value of the online ID. The online ID mapping module 150 may record the history in the database 160 when the user of the mobile terminal 50 logs in, proceeds with payment, and transfers his / her account. When the illegal value payment is requested by extracting the key value, the key value may be detected by comparing with the history recorded in the database 160.

The connection brokerage module 120 authenticates the mobile terminal 50 with reference to the login information registered in the database 130 when the mobile terminal 50 accesses and performs a log-in, and the card company in the mobile terminal 50. An interface for selecting financial company information including a name, a card name, and the like, and an access path for user-selected credit card payment may be provided. The financial company information provided by the connection brokerage module 120 may be displayed on the mobile terminal 50, and the mobile terminal 50 may select a desired card company and a card issued by the desired card company for payment.

The connection mediation module 120 may provide financial company information in the form of a web page to the mobile terminal 50. In this case, the mobile terminal 50 may not require a separate app for displaying financial company information. The financial company information formed in the form of a web page is displayed on the mobile terminal 50, and the user of the mobile terminal 50 may select a card company and a card to be used for payment among the displayed card companies to proceed with the payment.

In addition to processing payment for goods or services in the mobile terminal 50, the connection mediation module 120 may provide a connection path of a bank to the mobile terminal 50 when transferring an account between individuals.

Claims (12)

A user's mobile terminal;
A payment intermediation server that provides an online ID previously registered to the mobile terminal when the user subscribes to the insurance, and replaces at least one of a credit card and a bank account using the provided online ID;
An insurance server for storing insurance information including at least one of a name, age, address, telephone number, range information of a region set by the user, and insurance period information in response to insurance of the user; And
When the payment is completed by the payment intermediation server, the location lookup server for inquiring the location information of the mobile terminal
Including;
The insurance server monitors the insurance status based on at least one of location information and inquiry time information of the mobile terminal inquired by the location query server, range information of a region stored in the insurance server, and insurance period information.
The settlement brokerage server insurance monitoring and settlement brokerage system based on the location information of the mobile terminal, characterized in that the payment for the insurance information selected by the user using the online ID corresponding to the user. The method of claim 1,
The payment broker server,
Financial company information including a card company name or bank name corresponding to the user, a card name or a bank account name, and phone information including a login number of the user or a phone number of the mobile terminal to match the financial company information. Registered financial company registration module; When at least one insurance is selected from the mobile terminal based on the insurance information provided in the mobile terminal, the card or bank account list available to the user is withdrawn from the financial company registration module and provided as an interface screen to the mobile terminal. A connection mediation module for providing a connection path to a selected card company or bank based on the interface screen to the mobile terminal; And requesting the card information of the online ID having a unique key value corresponding to the selected credit card or bank account to the financial company server of the card or bank account selected by the user based on the interface screen. And an online ID management module for obtaining a key value of the generated online ID.
The monitoring brokerage module based on the location information of the mobile terminal characterized in that the payment is made by replacing the one of the credit card and the bank account using the online ID through the connection path provided to the mobile terminal. Mediation system. The method of claim 1,
When the portable terminal approaches the set area provides an insurance application to the portable terminal, insurance induction server to induce the insurance for the predetermined insurance area
Insurance monitoring and settlement brokerage system based on the location information of the mobile terminal, characterized in that it further comprises. The method of claim 3,
The portable terminal includes:
Insurance monitoring based on the location information of the mobile terminal, which is subscribed to insurance through the execution of the application, and automatically transmits personal information including at least one of a name, age, address, and phone number to the insurance server. Payment brokerage system. The method of claim 3,
The insurance server,
Insurance monitoring based on the location information of the mobile terminal, characterized in that the period of time from the time when the mobile terminal enters the insurance area to the time of departure based on the location information inquired by the location query server is set as an insurance period; Payment brokerage system. 5. The method of claim 4,
The location lookup server,
Insurance monitoring and settlement brokerage system based on the location information of the mobile terminal, characterized in that for querying the location information of the mobile terminal based on the address information of the user. In the insurance monitoring and settlement brokerage method performed by the insurance monitoring and settlement brokerage system based on the location information of the mobile terminal,
Providing an online ID to the mobile terminal of the user when the user subscribes to insurance, and performing a payment by replacing at least one of a credit card and a bank account using the provided online ID;
Storing insurance information including at least one of a user's name, age, address, telephone number, range information of a region set by the user, and insurance period information in response to the user's insurance subscription;
Retrieving location information of the mobile terminal when payment is completed by the payment broker server; And
Monitoring an insurance status based on at least one of location information and inquiry time information of the mobile terminal to be inquired, range information of a region stored as the insurance information, and insurance period information;
Including;
The payment step is insurance monitoring and payment intermediation method based on the location information of the mobile terminal, characterized in that the payment for the insurance information selected by the user using the online ID corresponding to the user. 8. The method of claim 7,
The payment process step,
Financial company information including a card company name or bank name corresponding to the user, a card name or a bank account name, and phone information including the login information of the user or the phone number of the mobile terminal to match the financial company information. Registering; When at least one insurance is selected from the mobile terminal based on the insurance information provided to the mobile terminal, the card or bank account list available to the user is withdrawn from the financial company registration module and provided to the mobile terminal as an interface screen. step;
Providing the portable terminal with a connection path to a selected card company or bank based on the interface screen; And
The card information for the online ID having a unique key value corresponding to the selected credit card or bank account is requested to the financial company server of the card or bank account selected by the user based on the interface screen, and generated by the financial company server. Obtaining a key value of an online ID,
Insurance monitoring and payment intermediation method, characterized in that for performing the payment by replacing one of the credit card and bank account using the online ID through the connection path provided to the mobile terminal. The method of claim 8,
Providing an insurance application to the portable terminal when the portable terminal approaches the set area, and inducing insurance for a predetermined insurance area;
Insurance monitoring and settlement brokerage method further comprising a. 10. The method of claim 9,
The mobile terminal subscribes to insurance through the execution of the application, and automatically transmits the personal information including at least one of a name, age, address, telephone number to the insurance server
Insurance monitoring and settlement brokerage method further comprising a. 10. The method of claim 9,
The insurance information storage step,
Insurance monitoring and settlement brokerage method, characterized in that for setting the period of time from the time when the mobile terminal enters the insurance area to the time of departure based on the location information inquired. 12. The method of claim 11,
The location information search step,
Insurance monitoring and settlement brokerage method, characterized in that for querying the location information of the mobile terminal based on the address information of the user.

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