KR20140060899A - System and method for mobile payment - Google Patents

Abstract

The present invention relates to a mobile payment system and a mobile payment method thereof. A payment gateway server calculates the difference between remaining costs and settlement costs in case the remaining costs kept in a virtual account is less than the settlement costs, and completes electronic payment by covering the money corresponding to the difference from an actual account linked with the virtual account or withdrawing money from a loan account and then summing the money with the remaining costs. Therefore, the present invention enables rapid payment as the payment gateway server supports the money required for the electronic payment in case of lack of balance of the virtual account linked with a user terminal, and has the effect of convenience in use as a user can complete the electronic payment without depositing additional money to the virtual account in order to proceed the electronic payment.

Description

SYSTEM AND METHOD FOR MOBILE PAYMENT [0001]

The present invention relates to a mobile payment system and method.

2. Description of the Related Art [0002] With the recent rapid development of wireless communication technology, the functions of mobile communication terminals, which are mainly limited to voice calls, have also been diversified. For example, additional functions such as wireless Internet access, video message transmission, and music download are added. Due to diversification of functions of the mobile communication terminal, the mobile communication terminal is recognized as an important information device such as a personal network computer .

As such, many parts in everyday life are performed through the mobile communication terminal, and in particular, the electronic payment function using the mobile communication terminal is regarded as one of important additional functions of the terminal.

In addition, a number of mobile commerce technologies that provide convenience of users between financial transactions are being developed. In Korean Patent Publication No. 2006-0111200 (hereinafter referred to as "prior art"), a virtual account linked with a portable terminal is opened And a method of processing an electronic payment through a virtual account has been proposed.

However, in the prior art, when the electronic settlement of the user is made, the settlement is impossible when the remaining amount of the virtual account is less than the purchase price of the commodity, and the settlement can be completed only after the necessary amount of the virtual account is recharged. .

SUMMARY OF THE INVENTION The present invention has been made to solve the above-mentioned problems, and it is an object of the present invention to provide a technique capable of electronic settlement processing even when the balance of a virtual account linked with a user terminal is insufficient.

According to an aspect of the present invention, there is provided a mobile payment system including a user terminal connected to a communication network provided for electronic commerce and processing electronic settlement through the communication network; A virtual account server for creating a virtual account for use in electronic settlement of the user terminal and managing deposit and withdrawal of the amount of money stored in the virtual account; And a payment agent server for receiving electronic payment request information from the user terminal and fetching and paying a payment amount from the virtual account according to the received electronic payment request information; If the remaining amount stored in the virtual account is less than the payment amount, the payment agent server calculates a difference between the payment amount and the remaining amount, and adds the amount corresponding to the difference amount to the remaining amount Payment may be made.

Here, the bill settlement system includes a financial institution server in which a real account capable of interlocking with the virtual account is established; As shown in FIG.

The virtual account server may further include: a data communication unit receiving information necessary for generating the virtual account from the user terminal; A virtual account creation unit for confirming information received by the data communication unit and opening the virtual account under the user's name; An account amount management unit for storing deposit and withdrawal details of the virtual account created in the virtual account creation unit; A real account interlocking unit connected to the financial institution server to inquire a real account registered as the user name, and to link the inquired real account with the virtual account; . ≪ / RTI >

The settlement proxy server may further include a difference calculation unit for calculating a difference between the settlement amount and the remaining amount when the remaining amount stored in the virtual account is smaller than the settlement amount; A loan account for storing an amount for paying the difference amount calculated by the difference amount calculation unit; A settlement processing unit for fetching the settlement amount from the virtual account and making a settlement; A transfer request unit for confirming the difference calculated in the difference calculation unit and transferring the amount corresponding to the difference from the actual account linked by the account interlocking unit to the virtual account when the difference is generated; And withdrawing the amount corresponding to the difference from the loan account when the transfer request unit fails to transfer the amount corresponding to the difference due to insufficient balance of the actual account, A settlement control unit for controlling the settlement processing unit to sum up and complete settlement; . ≪ / RTI >

According to another aspect of the present invention, there is provided a mobile payment method including an electronic payment request step in which a user terminal requests an electronic payment to a payment agent server; A remaining amount checking step of the payment proxy server accessing a virtual account server having a virtual account for use in electronic settlement of the user terminal and confirming a remaining amount held in the virtual account; A difference calculation step of, when the remaining amount stored in the virtual account is smaller than a payment amount to be paid, the payment agent server calculating a difference between the payment amount and the remaining amount; And a settlement payment step of the settlement proxy server adding up the amount corresponding to the difference amount to the remaining amount and paying the sum; . ≪ / RTI >

If the remaining amount of money stored in the virtual account is smaller than the payment amount to be paid, the mobile payment method may access the financial institution server in which the virtual account server has a real account capable of interlocking with the virtual account, A real account interlocking step of interrogating a real account registered as a real account and interlocking the inquired real account with the virtual account; And a money transfer step of transferring the amount corresponding to the difference from the real account linked with the virtual account to the virtual account; As shown in FIG.

The mobile payment method may further include: a payment amount fetching step of paying out the amount corresponding to the difference amount from the account for lending in the payment agent server; As shown in FIG.

As described above, according to the present invention, the settlement proxy server calculates the difference between the remaining amount and the settlement amount when the remaining amount stored in the virtual account is smaller than the settlement amount, and stores the amount corresponding to the difference amount in the virtual account It will be charged from the actual account or withdrawn from the loan account and added to the remaining amount to complete the electronic settlement.

Therefore, the present invention is capable of prompt payment even when the balance of the virtual account linked to the user terminal is insufficient, because the settlement proxy server supports the amount necessary for the electronic settlement. In order to continue the electronic settlement, The electronic settlement can be completed without charging the amount of money.

1 shows a mobile payment system according to the present invention.
2 shows a detailed configuration of a virtual account server according to the present invention.
FIG. 3 shows a detailed configuration of a payment proxy server according to the present invention.
4 is a flowchart illustrating a mobile payment method according to the present invention.

The preferred embodiments of the present invention will be described in more detail with reference to the accompanying drawings, in which the technical parts already known will be omitted or compressed for simplicity of explanation.

In the present specification, 'electronic settlement' refers to a term collectively referred to as an Internet banking on an online network, a credit card settlement, or a mobile settlement using a mobile terminal, instead of making an actual settlement using off-line real money.

<Description of Configuration>

The mobile payment system 10 according to the present invention includes a user terminal 100, a virtual account server 200, a payment agent server 300 and a financial institution server 400, 4.

The user terminal 100 is a device connected to a communication network provided for electronic commerce and processing electronic settlement through a virtual account server 200, a payment agent server 300 and a financial institution server 400 connected to a communication network.

The user terminal 100 includes a data storage unit (not shown) for storing an electronic payment application provided for each financial institution, a virtual account server 200, a payment agent server 300 and a financial institution server 400 A terminal communication unit (not shown) capable of transmitting and receiving data to be connected, and a terminal control unit (not shown) for controlling each unit.

In one embodiment, the user terminal 100 may be a cellular phone, a personal communication system (PCS), a personal data assistant (PDA), a fourth generation broadband system terminal, or the like. The mobile terminal is not limited to the above.

The virtual account server 200 generates a virtual account for use in electronic settlement of the user terminal 100 and manages deposit and withdrawal of the amount of money stored in the generated virtual account. The virtual account server 200 includes a data communication unit 210, a virtual account creation unit 220, an account amount management unit 230, and a real account coordination unit 240.

When the virtual account server 200 requests the user terminal 100 or a communication company server (not shown) to which the user needs to create the virtual account information, the data communication unit 210 receives the requested information.

For example, the data communication unit 210 receives and receives personal information such as a phone number of a user's portable terminal, a resident registration number of a user, a residence address, and the like to a user terminal 100 or a communication company server, As shown in FIG.

The virtual account creation unit 220 confirms the personal information received by the data communication unit 210 and creates a virtual account of the user's name based on the personal information.

The account amount management unit 230 stores the deposit and withdrawal details of the virtual account created in the virtual account creation unit 220 and the virtual account information. The user can access the virtual account server 200 through the user terminal 100 and confirm the deposit and withdrawal history stored in the account amount management unit 230. [

The real account interworking unit 240 connects to the financial institution server 400 in which a real account capable of interlocking with the virtual account is established and displays the real account registered in the user name based on the personal information received by the data communication unit 210 do. If there is a real account registered in the user name, the real account interworking unit 240 links the inquired real account with the virtual account created in the virtual account server 200.

When the payment agent server 300 receives the electronic payment request information from the user terminal 100, the payment agent server 300 fetches the payment from the virtual account according to the received electronic payment request information and sends the payment to the account of the seller to complete the payment.

If the remaining amount of money stored in the virtual account is less than the payment amount, the payment agent server 300 calculates the difference between the payment amount and the remaining amount, and stores the amount corresponding to the difference amount in the virtual account And adds the remaining amount to complete the electronic settlement.

For example, if the purchase price of an item for electronic payment is 100,000 won, the payment agency server 300 must withdraw 100,000 won from the virtual account and transfer it to the account of the seller. However, The settlement proxy server 300 may complete the electronic settlement by adding the amount corresponding to the difference between the settlement price and the remaining amount to the seller by adding the remaining amount to the seller.

To this end, the payment agency server 300 includes a difference calculation unit 310, a loan account 320, a payment processing unit 330, a transfer request unit 340, and a payment control unit 350.

When the settlement proxy server 300 receives the electronic payment request information from the user terminal 100, the difference calculation unit 310 checks the remaining amount stored in the virtual account, and if the remaining amount stored in the virtual account is larger than the payment amount If there is a small difference, the difference between the payment amount and the remaining amount is calculated.

The loan account 320 stores a surplus amount for paying the difference calculated in the difference calculation unit 310 together with the payment amount. In one embodiment, the account 320 for a loan is provided to the financial institution server 400 It can also be linked to an account.

The settlement processing unit 330 fetches and pays the settlement amount from the virtual account when the settlement proxy server 300 receives the electronic settlement request information from the user terminal 100. If the remaining amount of the virtual account is insufficient, And when the difference between the payment amount and the settlement amount occurs, the amount corresponding to the difference is withdrawn from the account for loan 320 and remitted to the account of the seller, thereby completing the electronic settlement.

The transfer request unit 340 checks the difference calculated in the difference calculation unit 310 and transfers the amount corresponding to the difference from the actual account linked by the real account interlock unit 240 to the virtual account when the difference is generated .

On the other hand, if the amount corresponding to the difference amount is transferred to the virtual account by the transfer request unit 340 and the balance of the virtual account is sufficient to pay the payment amount, the payment processing unit 330 transfers the money from the account for loan 320 The electronic settlement can be completed only with the balance of the virtual account without withdrawing.

If the transfer request unit 340 can not transfer the amount corresponding to the difference due to the insufficient balance of the actual account, the payment control unit 350 controls the payment processing unit 330 to transfer the amount corresponding to the difference from the account for loan 320 The electronic payment is completed by withdrawing the amount, and adding the difference between the amount withdrawn from the virtual account and the difference amount.

<Description of Method>

The mobile payment method according to the present invention will be described with reference to the flow chart shown in FIG. 4 and will be described with reference to the drawings shown in FIGS. 1 to 3 for convenience.

1. Electronic payment request step < S401 >

In this step, the user terminal 100 requests electronic settlement to the settlement proxy server 300 through the electronic settlement application stored therein.

Meanwhile, when the electronic settlement request is made by the user terminal 100, if the virtual account owned by the user does not exist in the virtual account server 200, the virtual account creation unit 220 may transmit the electronic settlement request to the user terminal 100, It is preferable that an account opening step of requesting and receiving personal information such as a user's portable telephone number, a resident registration number of a user, a residence address, etc. is received and a virtual account of the user's name is opened through the received personal information.

2. Step of checking remaining amount < S402 &

In this step, the settlement proxy server 300 receives the electronic settlement request signal transmitted from the user terminal 100 in step S401, and the settlement proxy server 300 receives a virtual account for use in electronic settlement of the user terminal 100 Lt; / RTI &gt; Thereafter, the difference calculation unit 310 confirms the remaining amount stored in the virtual account.

3. Difference calculation step <S403>

In this step, the difference amount calculation unit 310 compares the remaining amount stored in the virtual account with the amount of the payment amount, and calculates the difference between the payment amount and the remaining amount when the remaining amount is less than the payment amount to be paid.

4. Actual Account Interlocking Step <S404>

When the difference is generated in step S403, the real account interworking unit 240 accesses the financial institution server 400 in which a real account capable of interlocking with the virtual account is established, inquires the real account registered in the user name, If there is a real account registered as the user name, the virtual account is linked with the inquired real account.

5. Checking balance in real account <S405>

In this step, the process of confirming the balance of the real account linked with the virtual account proceeds in step S404.

6. Money transfer step < S415 >

If the remaining balance of the actual account confirmed in step S405 is equal to or greater than the difference between the remaining amount held in the virtual account and the payment amount, the transfer request unit 340 reads the amount corresponding to the difference amount from the actual account linked with the virtual account in step S404 Transfer to virtual account.

7. Lending Service Information Message Transmission Step <S425>

If the remaining balance of the actual account identified in step S405 is less than the difference between the remaining amount held in the virtual account and the payment amount, the settlement agency server 300 in this step allows the user to lend money corresponding to the difference between the remaining amount and the settlement amount And transmits a loan service guidance message to the user terminal 100 for confirming whether the electronic payment is to be completed.

8. Step of withdrawal of the loan amount <S426>

After the step S425, when the request for applying for the loan service is received from the user terminal 100 to the settlement proxy server 300, the settlement processing unit 330 receives the request for loan service from the loan account 320 in the settlement agency server 300 Withdraw the amount.

Meanwhile, in one embodiment of the present invention, the settlement control unit 350 may set the loan ceiling amount in advance and control the payment processing unit 330 to withdraw only within the established loan ceiling amount. For example, the loan limit can be adjusted according to the user's personal credit rating, but it is desirable to set the loan limit so that the loan limit does not exceed 500,000 won due to the nature of mobile commerce where micro settlement is frequent.

9. Payment Payment Step <S406>

If the amount corresponding to the difference amount is transferred to the virtual account by the transfer request unit 340 in step S415 and the balance of the virtual account is sufficient to pay the payment amount, the payment control unit 350, in this step, Does not withdraw money from the loan account 320 but controls the electronic settlement to be completed only with the balance of the virtual account.

In step S426, if the payment processor 330 transfers the amount corresponding to the difference from the account for loan 320, the payment controller 350 determines in step S426 that the payment processor 330 has subtracted the amount withdrawn from the virtual account The amount corresponding to the difference amount is summed and sent to the account of the seller, thereby controlling the electronic settlement to be completed.

While the present invention has been particularly shown and described with reference to exemplary embodiments thereof, it is to be understood that the invention is not limited to the disclosed exemplary embodiments. And the scope of the present invention should be understood as the following claims and their equivalents.

10: Mobile payment system
100: User terminal
200: Virtual account server
210: Data communication section
220: virtual account creation unit
230: Account Amount Management Section
240: Actual account interlocking part
300: Billing agent server
310:
320: Account for loans
330: Payment processor
340: Transfer request unit
350:
400: financial institution server

Claims (7)

A user terminal connected to a communication network prepared for electronic commerce and processing an electronic settlement through the communication network;
A virtual account server for creating a virtual account for use in electronic settlement of the user terminal and managing deposit and withdrawal of the amount of money stored in the virtual account; And
A payment agent server for receiving the electronic payment request information from the user terminal and fetching and paying the payment amount in the virtual account according to the received electronic payment request information; Lt; / RTI &gt;
When the remaining amount stored in the virtual account is smaller than the settlement amount, the settlement proxy server calculates the difference between the settlement amount and the remaining amount, and adds the amount corresponding to the difference amount to the remaining amount, To
Mobile payment system. The method according to claim 1,
The bill settlement system
A financial institution server in which a real account capable of interlocking with the virtual account is established; &Lt; RTI ID = 0.0 &gt;
Mobile payment system. 3. The method of claim 2,
The virtual account server
A data communication unit receiving information necessary for generating the virtual account from the user terminal;
A virtual account creation unit for confirming information received by the data communication unit and opening the virtual account under the user's name;
An account amount management unit for storing deposit and withdrawal details of the virtual account created in the virtual account creation unit; And
A real account interlocking unit connected to the financial institution server to inquire a real account registered in the user name, and interlocking the inquired real account with the virtual account; &Lt; RTI ID = 0.0 &gt;
Mobile payment system. The method of claim 3,
The payment agent server
A difference calculation unit for calculating a difference between the payment amount and the remaining amount when the remaining amount stored in the virtual account is smaller than the payment amount;
A loan account for storing an amount for paying the difference amount calculated by the difference amount calculation unit;
A settlement processing unit for fetching the settlement amount from the virtual account and making a settlement;
A transfer request unit for confirming the difference calculated in the difference calculation unit and transferring the amount corresponding to the difference from the actual account linked by the account interlocking unit to the virtual account when the difference is generated; And
If the transfer request unit fails to transfer the amount corresponding to the difference amount due to insufficient balance of the actual account, the amount corresponding to the difference amount is withdrawn from the account for loan, and the sum of the payment amount withdrawn from the virtual account A settlement control unit for controlling the settlement processing unit to complete the settlement; &Lt; RTI ID = 0.0 &gt;
Mobile payment system. An electronic settlement request step in which the user terminal requests electronic settlement to the settlement agency server;
A remaining amount checking step of the payment proxy server accessing a virtual account server having a virtual account for use in electronic settlement of the user terminal and confirming a remaining amount held in the virtual account;
A difference calculation step of, when the remaining amount stored in the virtual account is smaller than a payment amount to be paid, the payment agent server calculating a difference between the payment amount and the remaining amount; And
A payment settlement step in which the settlement proxy server adds up the amount corresponding to the difference amount to the remaining amount to pay; &Lt; RTI ID = 0.0 &gt;
Mobile payment method. 6. The method of claim 5,
The mobile payment method
If the remaining amount stored in the virtual account is smaller than the payment amount to be paid, the virtual account server accesses the financial institution server in which the real account capable of interlocking with the virtual account is opened, and inquires the real account registered in the user name A real account interlocking step of interlocking the inquired real account with the virtual account; And
A money transfer step of transferring the amount corresponding to the difference from the real account linked with the virtual account to the virtual account; &Lt; RTI ID = 0.0 &gt;
Mobile payment method. The method according to claim 6,
The mobile payment method
The payment processing unit fetches the amount corresponding to the difference from the loan account in the payment agent server; &Lt; RTI ID = 0.0 &gt;
Mobile payment method.

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