KR20140124084A - Method for Processing Payment by using Differentiating True Message - Google Patents

Abstract

The present invention relates to a method for processing payment by determining a true message. According to the present invention, the method for processing payment by determining a true message is executed by a program provided in a wireless terminal. The method comprises: a first step of checking message reception events for messages received to the wireless terminal via a message center of a communications service company; a second step of reading the messages corresponding to the message reception events to determine a message received to process payment; a third step of incorporating the message received to process payment into an object to be examined to determine a true message; a fourth step of determining whether the message incorporated into the object to be examined is true through a server corresponding to the message incorporated into the object to be examined; and a fifth step of receiving information to be used for a payment procedure or payment authentication as a result that the message is determined as the true message, and processing the payment.

Description

[0001] The present invention relates to a payment processing method,

The present invention is a method for determining whether a message received at a wireless terminal for settlement is a true message sent from a sender of genuine information for settlement, and, when the message is determined to be a true message for payment, So that the procedure for settlement corresponding to the message is performed.

Recently, smishing has been considered as a new mobile phone hacking technique using text messages. A smsing is a hacking technique in which a malicious code in the form of a Trojan is injected into a cell phone when a cell phone user clicks the link by sending a text message containing the link and the hacker controls the cell phone.

In a typical smoothing method, when a hacker sends a text message including a link to an unspecified number of user's mobile phones, and a user clicks a link in the text message, after installing a malicious code in the mobile phone, An authentication number such as a micropayment is transmitted to a cell phone equipped with the malicious code so that the malicious code illegally acquires the authentication number and processes the cell phone micropayment.

In order to block such smsing, the method proposed so far is to pay attention not to click a link of a text message containing a link to a user, to remove a malicious code periodically installed in a mobile phone using a mobile vaccine There is no other pointed way. Of course, some mobile phones have the function of disabling all the links included in a text message. However, if all the links included in the text message are inactivated in this way, even if an intrinsic message sent from a normal originator is blocked, .

In order to solve the above problems, an object of the present invention is to allow a message sender to send a message according to a conventional method without modifying a conventional message exchange procedure, And a program for determining whether the received message is an intrinsic message is installed to determine a true message sent from an intrinsic sender of a message received by the wireless terminal.

Another object of the present invention is to provide a method and apparatus for transmitting a message for settlement according to a conventional method without modifying a conventional message exchange procedure, And a settlement processing method using an authentic message discrimination for use in payment by receiving information to be used for the settlement procedure or settlement authentication when the message for settlement is discriminated as a malicious message through a program provided in the wireless terminal .

A payment processing method using an intrinsic message discrimination according to the present invention is a settlement processing method using an intrinsic message discrimination executed through a program provided in a wireless terminal, the settlement processing method comprising the steps of: A first step in which a message reception event is confirmed; a second step of reading a message corresponding to the message reception event and determining a message received for payment; and a step for checking a message received for payment, A fourth step of determining whether the message included in the review object is an intrinsic message through a server corresponding to the message incorporated in the review object; The fifth step of receiving the information to be used for the payment procedure or the payment authorization and processing the information to be used for payment .

According to the present invention, the message received for the settlement includes a message received without including information to be used for the settlement procedure or payment authentication.

According to the present invention, the payment processing method using the authentic message identification may further include a step of authenticating the validity of the program through an operation server of the program.

According to the present invention, the settlement processing method using the intrinsic message discrimination further includes storing information on M (M? 1) servers for sending the intrinsic message, and when the message is incorporated into a review object , And (2-1) confirming an m (1? M? M) server corresponding to a message incorporated in the review target among the M servers.

According to the present invention, the message includes a message that is not sent out as the final message receiver. The message may include at least one of an SMS (Short Message Service), an EMS (Enhanced Messaging Service), an LMS (Long Message Service), and a Multimedia Message Service (MMS) message received at a wireless terminal via a message center of a communication company Or the message may include a message received as a final message receiver in addition to the program, or the message may include a Rich Communication Suite (RSC) based message.

According to the present invention, the second step includes: reading information included in the sending-side information area of the message and confirming whether the information is matched with the specified sending-side identification information; reading information included in the receiving-side information area of the message Identifying one or more characters included in a message content area of the message to determine whether the message includes a matching or associated character with a specified keyword or index word, Reading the information included in the reserved area of the message and checking whether it contains the designated callback information by reading the value contained in the identification value area of the message, Reading the information and confirming that it contains the specified information, Reading the code included in the code area of the message and checking whether the code included in the code area of the message includes the code matched with the designated code; Authenticating the validity of the code included in the code area of the message, and checking whether the message includes information to be used in a payment procedure or a payment authentication.

According to the present invention, the third step may incorporate a message in which the reception of the message is confirmed by the message reception event, but the access of the program is denied to the review object. Alternatively, the third step may incorporate a message that has been acknowledged by the message reception event but not stored in the designated message storage area into the review object. Alternatively, in the third step, the message reception is confirmed by the message reception event, and the automatic deletion message stored in the designated message storage area can be incorporated into the review object. Alternatively, in the third step, the message reception is confirmed by the message reception event, and the deleted message is stored in the designated message storage area, and then the deleted message is incorporated into the review object. Alternatively, in the third step, the message reception is confirmed by the message reception event, and the message is stored in the designated message storage area, and the deleted message can be incorporated into the review subject without checking the message content by the user.

According to the present invention, the fourth step may include the steps of: identifying identification information of a message embedded in the review object; performing a procedure of providing the identified identification information to the server; And receiving a message discrimination result indicating that the message is an intrinsic message for settlement. The fourth step may include the steps of: identifying identification information of a message embedded in the review object and authentication information for authenticating the validity of the program; and providing the identification information and the authentication information, And receiving a result of message discrimination in which the message is an intrinsic message for settlement through the identification information based on the authentication result of the authentication information from the server. Wherein the identification information includes at least one of information included in a sending side information area of the message, information included in a receiving side information area of the message, one or more characters included in a message content area of the message, information included in a callback area of the message An identification value included in the identification value area of the message, information included in a spare area of the message, code included in the code area of the message, and date information on which the message is received, And may include combined information.

According to the present invention, the fourth step may further include isolating the message if the message is not an intrinsic message. Alternatively, if the message is not an intrinsic message, the step 4 may further include displaying a warning message or a warning message for the message. Alternatively, the fourth step may further include isolating or deleting the message if the message is not an intrinsic message.

According to the present invention, it is possible to block the smsing by the smoothing method through the program, which is not the malicious code, and to advantageously block the smsing without introducing a new messaging technique, It is possible to prevent the hacker from using the message for settlement even if the message for the settlement is smeared in some way.

1 is a diagram showing a functional configuration of a program executed by the wireless terminal of the present invention.
FIG. 2 is a diagram illustrating a configuration of an intrinsic message discrimination system according to the present invention.
3 is a diagram illustrating a process of authenticating a program according to an embodiment of the present invention and performing a preparatory procedure for authentic message discrimination.
4 is a diagram illustrating a process of distinguishing an intrinsic message according to the first embodiment of the present invention
FIG. 5 is a flowchart illustrating a process of determining an intrinsic message for settlement according to a second embodiment of the present invention.

The operation principle of the preferred embodiment of the present invention will be described in detail with reference to the accompanying drawings and description. It should be understood, however, that the drawings and the following detailed description are exemplary and explanatory and are intended to provide further explanation of the invention, and are not to be construed as limiting the present invention. For example, it is possible that a configuration provided on the server side is implemented on the terminal side, or conversely, a configuration portion provided on the terminal side is implemented on the server side.

In the following description of the present invention, a detailed description of known functions and configurations incorporated herein will be omitted when it may make the subject matter of the present invention rather unclear. The terms used below are defined in consideration of the functions of the present invention, which may vary depending on the user, intention or custom of the operator. Therefore, the definition should be based on the contents throughout the present invention.

As a result, the technical idea of the present invention is determined by the claims, and the following embodiments are merely means for effectively explaining the technical idea of the present invention to a person having ordinary skill in the art to which the present invention belongs Only.

1 is a diagram showing a functional configuration of a program 120 executed through the wireless terminal 100 of the present invention.

In more detail, FIG. 1 is a diagram illustrating a program 120 provided in a wireless terminal 100 to determine whether a message received by the wireless terminal 100 for payment is an intrinsic message sent from a sender for payment, And the processing of the settlement corresponding to the intrinsic message is performed, and a configuration of the wireless terminal 100 that drives the program 120, Those skilled in the art will be able to refer to and / or modify the FIG. 1 to derive various implementations of the functionality of the wireless terminal 100, but the invention is not limited to all of the above- And the technical features thereof are not limited only by the method shown in FIG. Preferably, the wireless terminal 100 of FIG. 1 may include at least one of various smart phones capable of wireless communication, various tablet PCs, various PDAs, and various mobile phones. Meanwhile, an embodiment of the present invention will be described with reference to an exemplary embodiment of a method for performing a settlement process by identifying an intrinsic message for settlement. However, the intrinsic message of the present invention is not necessarily limited to a settlement message, It is possible to include all messages that are transmitted and received in a clear manner.

1, the wireless terminal 100 includes a control unit 101, a memory unit 113, a screen output unit 102, a key input unit 103, a sound output unit 104, a sound input unit 105, A wireless communication unit 109, a short range wireless communication unit 108, a proximity wireless communication unit 110, a positioning unit 111, a USIM reader unit 112, and a USIM. And a battery 107 for controlling the battery.

The control unit 101 is a general term for controlling the operation of the wireless terminal 100. The control unit 101 includes at least one processor and an execution memory, BUS). According to the present invention, the control unit 101 loads at least one program code provided in the wireless terminal 100 into the execution memory through the processor, and outputs the result through at least one configuration And controls the operation of the wireless terminal 100. FIG. Hereinafter, the functional configuration of the program 120 of the present invention, which is implemented in the form of program code for convenience, will be described in the control unit 101. FIG.

The memory unit 113 is a general term of a nonvolatile memory corresponding to a storage resource of the wireless terminal 100 and includes at least one program code executed through the control unit 101 and at least one Save and maintain the dataset. The memory unit 113 basically comprises a system program code and a system data set corresponding to the operating system of the wireless terminal 100, a communication program code and a communication data set for processing a wireless communication connection of the wireless terminal 100, A program code and a data set corresponding to the program 120 of the present invention are also stored in the memory unit 113. [

The screen output unit 102 is composed of a display (for example, a liquid crystal display (LCD)) corresponding to the output resource of the wireless terminal 100 and a driving module for driving the display And outputs the calculation result corresponding to the screen output among the various calculation results of the control unit 101 to the screen output device.

The key input unit 103 includes at least one user input device corresponding to the input resource of the wireless terminal 100 such as a button, a keypad, a touch pad, a touch screen interlocked with the screen output unit 102, And inputs a command for instructing various operations of the control unit 101 in cooperation with the control unit 101 or inputs data necessary for the operation of the control unit 101. [

The sound output unit 104 is composed of a speaker corresponding to the output resource of the wireless terminal 100 and a driving module for driving the speaker. The sound output unit 104 is connected to the control unit 101, And outputs an operation result corresponding to the output through the speaker. The driving module decodes sound data to be outputted through the speaker and converts the sound data into a sound signal.

The sound input unit 105 includes a microphone corresponding to an input resource of the wireless terminal 100 and a drive module for driving the microphone and transmits the sound data input through the microphone to the control unit 101. The driving module encodes and encodes a sound signal input through the microphone.

The camera unit 106 includes an optical unit corresponding to camera resources of the wireless terminal 100, a CCD (Charge Coupled Device) and a drive module for driving the CCD unit. And acquires image data or image data. The data obtained through the camera unit 106 may include still image data or moving image data.

The wireless network communication unit 109 and the short-range wireless communication unit 108 are collectively referred to as communication resources for connecting the wireless terminal 100 to a designated communication network. Preferably, the wireless terminal 100 may include a wireless network communication unit 109 as a basic communication resource, and may include one or more short-range wireless communication units 108.

The wireless network communication unit 109 collectively refers to a communication resource for connecting the wireless terminal 100 to a wireless communication network via a base station. The wireless communication unit 109 includes an antenna, an RF module, a baseband module, Processing module, and is connected to the control unit 101 to transmit operation results corresponding to wireless communication among various operation results of the control unit 101 through a wireless communication network or receive data through a wireless communication network To the control unit 101, and performs the connection, registration, communication, and handoff procedures of the wireless communication. According to the present invention, the wireless network communication unit 109 can connect the wireless terminal 100 to a telephone communication network including a communication channel and a data channel via the exchange, and in some cases, May be connected to a data network providing communication-based wireless network data communication (e.g., the Internet).

According to an embodiment of the present invention, the wireless network communication unit 109 is a mobile communication unit that performs at least one connection to a mobile communication network, performs location registration, call processing, call connection, data communication, and handoff according to the CDMA / WCDMA / ≪ / RTI > Meanwhile, according to the intention of a person skilled in the art, the wireless network communication unit 109 may further comprise a portable Internet communication configuration for performing at least one of connection to the portable Internet, location registration, data communication and handoff according to the IEEE 802.16 standard, It is evident that the present invention is not limited by the wireless communication configuration provided by the wireless network communication unit 109. [ That is, the wireless network communication unit 109 is a general term for a configuration unit that connects to a wireless communication network through a cell-based base station irrespective of a frequency band of a wireless section, a type of a communication network, or a protocol.

The short-range wireless communication unit 108 connects a communication session using a radio frequency signal in a short distance (for example, about 10 m or less) within a certain distance as a communication medium, and transmits a communication resource The wireless terminal 100 can be connected to the communication network through at least one of Wi-Fi communication, Bluetooth communication, public wireless communication, and UWB. According to an embodiment of the present invention, the short range wireless communication unit 108 may be integrated with or separated from the wireless network communication unit 109. According to the present invention, the short-range wireless communication unit 108 connects the wireless terminal 100 to a data network providing packet-based short-range wireless data communication through a wireless AP.

The proximity wireless communication unit 110 is a communication unit that processes one or more proximity wireless communication among a bidirectional proximity wireless communication, a full-duplex proximity wireless communication, and a half-duplex proximity wireless communication using a radio frequency signal as a communication medium at a close distance (for example, As a collective term of resources, it is possible to process the proximity wireless communication according to the NFC (Near Field Communication) standard of the 13.56 Mz frequency band. Alternatively, the proximity wireless communication unit 110 may process proximity wireless communication according to the ISO 18000 series standard, and in this case, may process proximity wireless communication with a frequency band other than the 13.56 Mz frequency band. For example, the proximity wireless communication unit 110 may operate in a reader mode, a tag mode, or a bidirectional communication mode. Meanwhile, the proximity wireless communication unit 110 may be included in a communication resource for connecting the wireless terminal 100 to a communication network according to an object to be communicated nearby.

The proximity wireless communication unit 110 is a proximity communication module for transmitting inter-terminal data at a proximity distance of about 10 cm according to an NFC (Near Field Communication) standard using the 13.56 Mz frequency band among the wireless communication standards of the ISO 18000 series standard, May be integrated with the short-range wireless communication unit 108 or may be implemented as a separate communication module. According to the intention of those skilled in the art, the proximity wireless communication unit 110 may provide proximity communication of another frequency band (e.g., 900 MHz band) supported by the ISO 18000 series standard in addition to the 13.56 Mz frequency band, Or more. Meanwhile, the proximity wireless communication unit 110 may be included in the communication resources of the wireless terminal 100, depending on the object to which the proximity wireless communication unit 110 is communicating.

The positioning unit 111 is a collective term of positioning resources for positioning the position of the wireless terminal 100. The positioning unit 111 preferably includes a positioning method using a Global Positioning System (GPS), a network method positioning using network resources, And a hybrid method in which the wireless terminal 100 is combined with a network system. The terminal mode positioning is a technique for precisely positioning the position of the wireless terminal 100 through a GPS module (or a module including a GPS function) built in the wireless terminal 100, (Assisted-GPS) system that the base station 100 reads and informs the base station, a DGPS (Differential GPS) system that receives the correction signal from the ground reference receiver and corrects the error of the position signal received from the satellite, and the like have. The network-based positioning is a positioning technique using network resources that can be interlocked with the wireless terminal 100. The network-based positioning is a cell ID scheme that grasps the location of the wireless terminal 100 through the service cell ID of the base station, An AOA (Angle-Of-Arrival) scheme using differences in signal receiving angles between three base stations receiving a signal of a terminal, and an enhanced cell ID scheme in which accuracy is improved by adding distance information of a base station and two adjacent base stations A TOA (Time of Arrival) method using a difference in signal arrival time of a base station, and a Time Difference Of Arrival (TDOA) method of measuring a signal delay of adjacent base stations based on a base station signal. Enhanced Observed Time Difference (E-OTD), which measures the difference in the time that a radio wave is transmitted from a base station to a mobile station, When the position of the wireless terminal 100 is located in a network or hybrid manner, the position of the wireless terminal 100 is positioned through a separate positioning server, After positioning the wireless terminal 100 via the positioning server in cooperation with the network communication unit 109 or the short-range wireless communication unit 108, positioning the wireless terminal 100 from the positioning server It will be appreciated that the positioning technique of the present invention is by no means limited to the above-described manner.

The USIM reader unit 112 is a generic term of a configuration for exchanging at least one data set with a universal subscriber identity module that is mounted or detached from the wireless terminal 100 based on the ISO / IEC 7816 standard , And the data set is exchanged in a half duplex communication manner through an APDU (Application Protocol Data Unit).

The USIM is an SIM type card having an IC chip according to the ISO / IEC 7816 standard, and includes an input / output interface including at least one contact connected to the USIM reader unit 112, (Or processing) the program code for the IC chip or extracting (or processing) the data set in accordance with at least one command transmitted from the wireless terminal 100 in connection with the input / output interface To the input / output interface.

The program 120 of the present invention is downloaded from a program providing server (for example, an Apple AppStore or the like) through a data network to which the communication resource can be connected, and is stored in the memory unit 113. The downloaded program 120 operates in conjunction with the operating server 205, and may be manually operated by a user, or may be activated (or activated) automatically after user confirmation or automatically by receiving a message. In order to drive the program 120 after user confirmation or automatically, a separate program may be running in advance, so that the present invention is not limited thereto.

Referring to FIG. 1, the program 120 of the wireless terminal 100 accesses the operation server 205 through a data network to which the communication resource is connectable, thereby joining the user as a member, And a program authentication unit 130 for authenticating the validity of the program 120 through at least one communication network connectable through the communication resource.

The program 120 includes communication connection macro information for accessing the operation server 205 via a data network to which the communication resource is connectable, and the membership subscription / authentication unit 125 includes a screen output unit 102, (E.g., name, resident registration number, etc.) for joining the user as a member via the data network and transmits the user information input through the interface to the operation server 205 via the data network And transmits the member account to join the user as a member.

Meanwhile, the subscription of the user can be subscribed through a separate user terminal other than the mobile terminal 100. Accordingly, when the user is already a member or is registered as a member through the user terminal, the membership / authentication unit 125 outputs an interface for inputting the user's membership account, Transmits the member account input through the interface to the operation server 205 to authenticate the user as a member.

The program authentication unit 130 authenticates the validity of the program 120 to the operation server 205 via at least one of a data network and a telephone communication network to which the communication resource is connectable. According to an embodiment of the present invention, the process of authenticating the program 120 is performed through an encryption / decryption communication process previously agreed upon between the program 120 and the operation server 205. For convenience, the encryption / A detailed description of the process will be omitted.

According to the first program authentication method of the present invention, the program 120 is downloaded through the program providing server with a unique key value that identifies the program operated by the operating server 205, The program authentication unit 130 can authenticate that the program 120 is a program operated by the operation server 205 by transmitting the inherent key value to the operation server 205. [ Meanwhile, the program authentication unit 130 transmits at least one unique information, which is stored in the wireless terminal 100 or allocated to the communication network in the process of transmitting the unique key value to the operation server 205, The program 120 can be simultaneously operated by the operating server 205 and simultaneously authenticated that the program 120 is running in the wireless terminal 100. [

According to the second program authentication method of the present invention, the program 120 is downloaded through the program providing server, and then, according to a designated procedure, an app identification value uniquely identifying the program 120 on the data network (e.g., The program authentication unit 130 may transmit the application identification value to the operation server 205 so that the program 120 may be transmitted to the operation server 205. In this case, And can authenticate that the program is operated by the operation server 205. [ Meanwhile, the program authentication unit 130 may transmit at least one unique information, which is stored in the wireless terminal 100 or allocated to the communication network in the process of transmitting the app identification value to the operation server 205, The program 120 can be simultaneously operated by the operating server 205 and simultaneously authenticated that the program 120 is running in the wireless terminal 100. [

According to the third program authentication method of the present invention, the program 120 is configured such that at least one key value, a key exchange protocol and encryption / decryption rule are set and an authentication procedure for authenticating the program 120 using the key exchange protocol and encryption / The program authentication unit 130 may transmit the at least one key value set in the certificate and the key exchange protocol set in the certificate according to the authentication procedure defined in the certificate, And the encryption / decryption rule to selectively authenticate that the program 120 is a program operated by the operation server 205. [ The program authentication unit 130 may further use at least one unique information stored in the wireless terminal 100 or allocated to the communication network in the authentication procedure in the course of using the certificate, It is possible to simultaneously authenticate that the program 120 is running in the wireless terminal 100 while being a program operated by the operation server 205. [

According to the fourth program authentication method of the present invention, when the authentication number transmitted from the operation server (205) is received through the message exchange protocol of the telephone network, the wireless terminal (100) And transmits the program to the operating server 205 through the data network, thereby authenticating that the program 120 is a program operated by the operating server 205. Meanwhile, the program authentication unit 130 transmits at least one unique information, which is stored in the wireless terminal 100 or allocated to the communication network in the process of transmitting the authentication number to the operation server 205, together with the authentication number The program 120 is a program operated by the operation server 205 and can concurrently authenticate that the program 120 is running in the wireless terminal 100. [

According to the fifth program authentication method of the present invention, the program authentication unit 130 receives the program (or program) from the operation server 205 through an authentication method selectively combining at least one of the first through fourth program authentication methods 120 can be authenticated, and thus the present invention is not limited thereto.

Referring to FIG. 1, the wireless terminal 100 includes a message receiving unit 115 that receives a message that can be included in an intrinsic message determination object through the communication resource. An administrator operating the program 120 in the program 120 of the present invention performs a designated message sending procedure (e.g., a procedure for sending a message using a device token assigned to the program 120) The message sent as the final message receiving side of the program 120 may be recognized as a true message sent from the originating sender corresponding to the operating server 205. On the other hand, any message that does not make the program 120 be the final message receiver may be included in the intrinsic message determination object of the present invention.

The True Sending Side of the present invention means the sender or dispatching organization sending out an intrinsic message. For example, a clearing house sending out a message for settlement may be included in the genuine sender. Or the intrinsic sender may refer to the sender or dispatcher registered with the operational server 205 as a genuine sender via a designated registration procedure.

The True Message of the present invention means a message that can be accepted without any doubt that the designated intending sender has sent the message according to the designated message sending procedure. Thus, a message sent as an impostor is not an intrinsic message of any form, as if the person or entity that is not the intrinsic sender is the intrinsic sender.

In the present invention, a true message for payment is a message that can be accepted without any doubt that the designated intending sender has sent the message according to the designated message sending procedure, Means a message without information. Accordingly, even if a hacker tries to make a payment in an unauthorized manner by using the information included in the message through a malicious app, the information used for the payment process or the payment authentication is not included in the authenticity message for the payment, Even if you try to make a payment, it becomes impossible.

The message receiving unit 115 is a collective term of a configuration unit included in the wireless terminal 100 to receive a message sent by the wireless terminal 100 as a device receiving side and preferably transmits the program 120 to a final message receiving side The mobile terminal 100 may include a functional configuration or a separate program installed in the mobile terminal 100 to receive the message. The message received by the message receiver 115 is stored in a designated message storage area.

The message included in the intrinsic message distinguishing object of the present invention refers to all messages received without making the wireless terminal 100 the device receiving side and the program 120 the final message receiving side.

According to the first embodiment of the present invention, the message included in the intrinsic message identification object is a generic name of a message received by the wireless terminal 100 via the message center of the communication company to which the wireless terminal 100 is subscribed, A message to be transmitted / received according to the EMS (Enhanced Messaging Service) standard, a message to be transmitted / received according to the LMS (Long Message Service) standard, a send / receive according to the MMS (Multimedia Message Service) Lt; RTI ID = 0.0 > and / or < / RTI > In this case, the message receiving unit 115 may include at least one of an SMS agent, an EMS agent, an LMS agent, and an MMS agent included in the wireless terminal 100.

According to the second embodiment of the present invention, the message included in the intrinsic message distinguishing object may be a message received from the wireless terminal 100 as a final message receiver other than the program 120, As a general term, a push message that preferably makes a program other than the program 120 a final receiver. In this case, the message receiving unit 115 may include a push notification agent provided in the wireless terminal 100 or a separate program for performing a message receiving procedure in response to the push notification.

According to the third embodiment of the present invention, the message included in the intrinsic message distinguishing object may include a message received according to the RCS (Rich Communication Suite) standard. In this case, the message receiving unit 115 may include a separate program operating in conjunction with the RCS agent or the RCS agent included in the wireless terminal 100.

However, the messages included in the intrinsic message distinguishing object of the present invention are not limited to the above-described types of messages, and any messages that are received without being the final message receiver may be included in the intrinsic message distinguishing object . If an operating agency operating the program 120 sends a message or an RCS-based message via the message center of the communication company instead of the program 120 as the final message receiving side, Is included in the intrinsic message discrimination object.

Referring to FIG. 1, the program 120 of the wireless terminal 100 includes at least one piece of information related to the sender of the intrinsic sender of the intrinsic message, or at least one And an information setting unit 135 for setting and storing server information for the server 200 of the server 200. Preferably, the sending-side information or server information is set on a program code embedded in the program 120, or may be stored in a designated storage area on the memory unit 113 used by the program 120. [

The sender-side information is a generic name of information for identifying a sender or a sender of the message, and preferably includes name information for the sender, sender-side identification information for identifying the sender (for example, (At least one identification value included in the message at the sending side or information for authenticating the code), at least one of the sending side authentication information (for example, the sending side certificate information, the sending side ID information, etc.) And may include one piece of information.

The server information is a generic term of information for the program 120 to communicate with the server 200 for discriminating the authentic message. The server information includes server address information, server identifier information, the program 120, At least one of the one or more access parameter information designated for access.

According to the first information setting method of the present invention, when the program 120 determines that the message transmitted satisfying the condition to be included in the intrinsic message discrimination target from the operating agency operating the operating server 205 is an intrinsic message , The information setting unit 135 may set server information for the server 200 linked with the program 120 to identify the sending side information corresponding to the operating agency or the server included in the operating agency Or stored.

According to the second information setting method of the present invention, when the program 120 determines that the message sent from the M (M? 1) specified intrinsic senders is an intrinsic message, the information setting unit 135 sets the M Server information for the server 200 to be interlocked with the program 120 for distinguishing an intrinsic message from the M intrinsic senders, server information for the M intrinsic senders and the program 120 to the relay server 220 that relays the server information.

According to an embodiment of the present invention, the sending-side information or the server information is included in the program code at the time when the program 120 is loaded into the wireless terminal 100, Lt; / RTI > Alternatively, the sending side information or the server information may be transmitted to the wireless terminal 100 at a time when the program 120 is connected to the operation server 205 after the program 120 is loaded into the wireless terminal 100, ) As the final message receiving side.

Referring to FIG. 1, the program 120 of the wireless terminal 100 includes an event checking unit 140 for checking a message reception event for one or more messages received by the message receiving unit 115 through the communication resource, , Determines one or more messages corresponding to the message reception event to determine a message to be included in a review subject to determine whether the message is an intrinsic message, or reads a message corresponding to the message reception event to determine a message received for payment , A message reading unit (145) for reading a message to be included in the review subject, and a message review unit for incorporating the message determined to be included in the review subject into a review subject for discrimination of a genuine message, And a target embedding unit 150.

When at least one message satisfying a condition to be included in the intrinsic message identification object is received through the communication resource of the wireless terminal 100, the message receiver 115 generates a message reception event corresponding to the message reception, The event confirmation unit 140 confirms a message reception event generated by receiving one or more messages to the message reception unit 115. The event checking unit 140 may operate an event monitoring thread to check the message reception event or may interwork with the message receiving unit 115 through inter-process communication.

The message reader 145 reads the designated area of one or more messages corresponding to the confirmed message reception event or reads the status of the received message to determine whether the message is an intrinsic message Determine at least one message to include in the review subject, or determine the message received for payment.

According to the first message reading method of the present invention, the message reading unit 145 identifies the information included in the sending side information area of the information area of the message, and the information contained in the sending side information area is transmitted to the sending side Determines whether the message includes the information to be checked in determining whether the message is an intrinsic message or determines whether the message is a message received for settlement by confirming that the information includes information that matches the specified sender identification information. For example, when the message corresponding to the message reception event is a message via the message center of the communication company, the message reader 145 reads out the telephone number included in the transmission- ≪ / RTI > Preferably, when the information included in the sending-side information area matches with the sending-side identification information, the message may be incorporated into a review subject, and vice versa depending on the method of operation. That is, depending on which of the BL (Black List) or WL (White List) is used as the sending side identification information, which message to be included in the review object can be determined.

According to the second message reading method of the present invention, the message reading unit 145 confirms information contained in the receiving-side information area of the information area of the message, and when the information contained in the receiving- Determines whether to include the message in a review subject to discriminate whether the message is an intrinsic message or not by determining whether the message is a message received for settlement by confirming that the message includes information matching the recipient identification information corresponding to the message 115 do. For example, if the message corresponding to the message reception event is a message via the message center of the communication company, the message reader 145 reads out the telephone number included in the reception side information area from the wireless terminal 100 You can see if it matches the assigned phone number.

According to the third message reading method of the present invention, the message reading unit 145 identifies one or more characters included in the message content area of the message, identifies one or more characters included in the message content area, Determines whether the message is included in a review subject to discriminate whether the message is an intrinsic message or confirms whether the message is included in a review object by checking whether the character in the message content area includes a character associated with the specified keyword or index word, It is determined whether or not the message is received. For example, the message reading unit 145 may display the message content area as 'financial', 'loan', 'settlement', 'security', 'rating', 'adjustment', 'entertainer' A "," B amount ", and the like. Alternatively, the message reading unit 145 can confirm whether or not the message content area includes a designated phrase (for example, " This message is a message for payment ", etc.) for identifying a message for settlement. Preferably, when one or more characters included in the message content area match the designated keyword or index word, the message may be incorporated into the review object, and vice versa depending on the implementation method. That is, depending on whether the keyword or the index word is used as BL or WL, it can be determined which message is to be included in the review object. According to an embodiment of the present invention, a keyword or an index word for confirming a character included in the message content area may be periodically or arbitrarily updated through the operation server 205.

According to the fourth message reading method of the present invention, the message reading unit 145 checks the information contained in the callback area of the information area of the message, and determines whether the callback information of the callback area includes the specified callback information , Determines whether to include the message in a review subject to determine whether it is an intrinsic message, or determines whether the message is a message received for payment. For example, when a message corresponding to the message reception event is a message via a message center of a communication company and a callback number is included in the callback area, the message reading unit 145 reads the callback information of the callback area It is possible to confirm whether or not it includes information that matches the sending side identification information of the side area. However, if the callback area is not included in the message corresponding to the message reception event, the process of reading the information included in the callback area may be omitted.

According to the fifth message reading method of the present invention, the message reading unit 145 identifies an identification value included in a specified identification value area of an information area of the message, Value to determine whether to include the message in a review subject to discriminate whether the message is an intrinsic message or whether the message is a message received for settlement. For example, if the message corresponding to the message reception event is a message via a message center of a communication company and the callback area of the message is set to the identification value area, the message reader 145 reads It can be confirmed whether or not it contains an identification value. The identification value area may include at least one information area among the information area of the message, the information area agreed between the sending side and the operating agency, and the information area set by the sending side or the operating agency. The identification value is a generic name of a value included in the identification value area of the message at the sending side (or the message sending server 215 associated with the sending side) for the message discrimination, and is preferably a sending side, , A usage, and a security level. Preferably, when the identification value included in the identification value area includes a specified identification value, the message may be incorporated in the review object, and vice versa depending on the method of operation. According to another embodiment of the present invention, when the identification value included in the identification value area is matched with the designated identification value, the server 200 corresponding to the server information may determine whether the message is intrinsic or not, As shown in FIG.

According to the sixth message reading method of the present invention, the message reading unit 145 checks the information included in the spare area of the message and confirms whether the information contained in the spare area includes the specified information Thereby determining whether to include the message in a review subject to discriminate whether it is an intrinsic message or whether the message is a message received for settlement. For example, when the message corresponding to the message reception event is a message via a message center of a communication company and is set to insert an identification value or a designated code specified in a spare area of the message, the message reading unit 145 reads It is possible to check whether the specified value or the specified code is inserted in the area. Preferably, when the identification value or code inserted in the spare area includes a specified identification value or code, the message may be incorporated into the review object, and vice versa depending on the method of operation.

According to the seventh message reading method of the present invention, the message reading unit 145 identifies a code included in the code area of the message, and codes the code included in the reserved area to match the designated code (For example, a code length, a number of digits, a code value configuration, and the like) recognizable by the code included in the spare area, or to check whether or not the code included in the spare area By performing one or more of the procedures for authenticating validity, it is determined whether to include the message in a review to determine whether it is an authentic message, or whether the message is a message received for payment. Preferably, the code included in the code area may include a static code, as well as a disposable code that is dynamically generated by the sending server or the sending server 215 that sends the message and included in the code area. However, the disposable code is information for discriminating whether the message is an intrinsic message, and is not information to be used for a payment procedure or payment authentication. Wherein the code area of the message includes at least one of a header area including header information of the message, a data area including a message content or a payload, a tailer area of the message, and a separately defined area on the message can do. On the other hand, when the code area includes the one-time code, the message reader 145 uses the sending side authentication information of the sending side information (e.g., a code generation algorithm for generating the one-time code and one or more seed values) One or more codes matching the disposable code can be generated in the code area and then compared with the disposable code in the code area to authenticate the validity of the disposable code. According to another embodiment of the present invention, when the code included in the code area is authenticated, it can be determined as an intrinsic message without discriminating the authenticity of the message through the server 200 corresponding to the server information .

According to the eighth message read-out method of the present invention, the intrinsic message of the present invention may include address information (for example, information of a Uniform Resource Locator (URL) structure) or content information (for example, Information about the content that can be output through the output resource of the terminal 100). In this case, the message reading unit 145 determines whether to include the address information or the content information in the message by checking whether the message is included in the review object to determine whether the message is an intrinsic message. For example, if the message includes address information or content information, the message reading unit 145 may include a message including address information or content information in the review target.

Meanwhile, the intrinsic message for settlement of the present invention is set to be transmitted without including the settlement procedure or information to be used for settlement authentication in the corresponding message. Preferably, the information to be used for the payment procedure or the payment authorization includes an authentication number of the phone bill payment. The message reader 145 determines whether the message includes information to be used for a payment procedure or a payment authentication in the message by determining whether the message is included in a review subject to determine whether the message is an intrinsic message, It is determined whether or not the message is received. For example, if the message is determined to be an intrinsic message identification object for payment by another message reading method, if the message includes information to be used for a payment procedure or payment authentication, A message including information to be used for authentication may be included in the review object.

According to the ninth message reading method of the present invention, the message reading unit 145 identifies a message for which access is denied more than once in the process of accessing a message confirmed to be received by the message receiving event , Determines whether to include the message in a review subject to determine whether it is an intrinsic message, or determines whether the message is a message received for payment. For example, a message abused by a malicious application installed in the wireless terminal 100 may be denied access by the malicious application while the malicious application accesses the program. Therefore, the message reading unit 145 may include a message in which the reception of the message is confirmed by the message reception event but the message access of the program 120 is rejected more than once.

According to the tenth message reading method of the present invention, the message reading unit 145 checks whether a message confirmed to be received by the message reception event is stored in a message storage area corresponding to the message reception unit 115, Determines whether to include the message in a review subject to discriminate whether the message is an intrinsic message, or determines whether the message is a message received for settlement. For example, a message abused by a malicious application installed in the wireless terminal 100 may be abused and discarded before being stored in a designated message storage area. Accordingly, the message reading unit 145 can include a message that has been acknowledged by the message reception event but is not stored in the designated message storage area. At this time, the message reading unit 145 may interrupt the operation of the message receiving unit 115 in order to check the message that is not stored, or may use log information of the wireless terminal 100 related to the message receiving unit 115 .

According to the eleventh message reading method of the present invention, the message reading unit 145 confirms reception of a message by the message reception event and confirms whether a message confirming the status stored in the designated message storage area is automatically deleted, Determines whether to include in the review subject to discriminate whether it is an intrinsic message, or whether the message is a message received for settlement. For example, a message abused by a malicious application installed in the wireless terminal 100 may be automatically deleted by the malicious application. Accordingly, the message reading unit 145 can recognize the message received by the message reception event and store the message in the designated message storage area. However, the message reading unit 145 automatically deletes the message within the specified reference time (e.g., within one second) Message can be included in the review object. In this case, the message reading unit 145 may recover the deleted message before the deleted message is overwritten by another message.

According to the twelfth message reading method of the present invention, the message reading unit 145 determines that the message reception is confirmed by the message reception event, and if the message confirming the status stored in the designated message storage area is within a specified reference time ) To determine whether to include the message in a review subject to discrimination as to whether the message is an intrinsic message, or whether the message is a message received for settlement. That is, even if the user deletes the received message without confirming the contents of the received message, the message reading unit 145 can include the message in the review object if the message is deleted within the specified reference time. The controller 145 may recover the deleted message before the deleted message is overwritten by another message.

According to the thirteenth message reading method of the present invention, the message reading unit 145 checks whether the message received by the message receiving event is confirmed without checking the contents of the message of the user, Thereby determining whether to include the message in a review subject to discriminate whether it is an intrinsic message or whether the message is a message received for settlement. That is, even if the user deletes the contents of the received message without confirming the contents of the received message, the message reading unit 145 may include the message in which the contents of the message are not confirmed by the user. In this case, the message reading unit 145 may recover the deleted message before the deleted message is overwritten by another message.

According to the fourteenth message reading method of the present invention, the message reading unit 145 determines whether the message is an intrinsic message by a combination of at least one of the first to thirteenth message reading methods or two or more Even if a message to be included in the review subject is determined by a method in which at least one or two or more of the first to thirteenth message reading methods are modified, this is included in the category of the message reading method of the present invention It is clear that this is the method.

The review target incorporation unit 150 incorporates the message determined to be included in the review object by the message reading unit 145 into the review object for discriminating the intrinsic message. Incorporation into the review object means that the program 120 maintains a state in which the program can manage the message until it is determined that the message determined to be included in the review object is a true message.

According to the first embedding method of the present invention, the review target embedding unit 150 changes the attribute of the message determined to be included in the review target to the hidden attribute so that the corresponding message is not exposed until it is determined that the message is an intrinsic message Can be processed.

According to the second embedding method of the present invention, the review-target embedding unit 150 interrupts the operation of the message receiving unit 115 that receives the message even if the message determined to be included in the review object is not stored, And can manage the message until it is determined that the message is an intrinsic message using the log information of the wireless terminal 100 related to the message receiving unit 115. [

According to the third review subject inclusion method of the present invention, the review-target-incorporation unit 150 can restore the message determined to be included in the review object, and manage the message until it is determined that the message is an intrinsic message.

Referring to FIG. 1, the program 120 of the wireless terminal 100 includes a server check unit 120 for checking server information linked with the program 120 to determine whether a message embedded in the review object is an intrinsic message, (155).

The server check unit 155 checks server information linked to the program 120 to determine whether the message is an intrinsic message. The verified server information may be information of the sending server 210 predicted to have performed the procedure of sending a message embedded in the review object or may be information of a server of the relay server 220 linked to the sending server 210 Information.

If the M server information is stored by the information setting unit 135 and the server information confirmed by the server checking unit 155 is information of the sending server 210, (1? M? M) server information corresponding to a message embedded in the review target among the M server information can be confirmed.

1, the program 120 of the wireless terminal 100 includes an information checking unit 160 for checking identification information of a message embedded in the review object, An information providing unit (165) for performing a procedure for providing the identified identification information to the server (200), and an information providing unit (165) for determining whether the message is an intrinsic message or an intrinsic message for settlement And an information processing unit (175) for performing a procedure specified in the program (120) in response to the message discrimination result, wherein the procedure specified in the program (120) And a procedure to be performed through the program 120 among the payment procedures corresponding to the message.

The information verifying unit 160 identifies one or more pieces of identification information identifying the message using the message embedded in the review target. The identification information is a generic term of information that allows the sender to identify a message incorporated in the review subject, and preferably includes information included in a sender-side information area of the message, information included in a receiver-side information area of the message One or more characters included in a message content area of the message, information included in a callback area of the message, an identification value included in an identification value area of the message, information included in a spare area of the message, A code included in the code area (e.g., a disposable code), and the date and time when the message is received, or information obtained by combining two or more pieces of information.

The information providing unit 165 performs a procedure of providing identification information confirmed by the information verifying unit 160 to the server 200 identified by the server verifying unit 155. Preferably, the identification information may be provided to the verified server 200 through a data network connected to the wireless terminal 100, and as a result, the identification information may be provided to the sending server 200, Lt; / RTI > The sending server 210 may receive the identification information from the program 120 or receive the identification information via the designated relay server 220. [

Upon receiving the identification information, the sending server 210 reads the identification information, discriminates whether the message corresponding to the identification information is an intrinsic message actually sent from the sending side, and outputs a message discrimination result corresponding to the discriminated result To the program (120). The message determination result may be transmitted from the sending server 210 to the program 120 or may be transmitted through the designated relay server 220.

The information receiving unit 170 receives a message discrimination result from the server 200 by discriminating whether the message is a true message or a true message for settlement through the identification information. The information receiving unit 170 may receive the message discrimination result from the sending server 210 or may receive the message discrimination result through the designated relay server 220.

If it is determined that the message is a true message, the information processing unit 175 outputs the message determination result, displays the message content, or outputs the message content through the message receiving unit 115 At least one of the procedures can be performed.

On the other hand, if it is determined that the message is not an intrinsic message, the information processing unit 175 displays a warning message or a warning message for the message other than the intrinsic message, or a process for isolating or deleting a message other than the intrinsic message , At least one procedure may be performed.

The information verifying unit 160 further verifies authentication information for authenticating the validity of the program 120 through the server 200 and provides the information providing unit 165 with authentication information, The server 200 may perform the procedure of providing the identified identification information and authentication information to the server 200 identified by the server verification unit 155. [ The identification information may be provided to the sending server 210, while the authentication information may not be provided to the sending server 210 according to the subject authenticating the program 120. For example, if the identification information is provided to the sending side server 210 via the relay server 220 and the relay server 220 is a server operated by the operating agency of the program 120, May be used by the relay server 220 to authenticate the validity of the program 120. Meanwhile, if the sending server 210 authenticates the validity of the program 120, the authentication information may be provided to the sending server 210. The sending server 210 transmits the program using the authentication information, whether the validity of the program 120 through the authentication information is authenticated through the relay server 220 or the sending server 210. [ Reads out the identification information and discriminates whether the message corresponding to the identification information is an intrinsic message actually sent from the sending side, and transmits a message discrimination result corresponding to the discriminated result to the program (120). The message determination result may be transmitted from the sending server 210 to the program 120 or may be transmitted through the designated relay server 220. The information receiving unit 170 receives a message discrimination result that discriminates that the message is an intrinsic message through the identification information from the server 200 and the information processing unit 175 transmits the message discrimination result corresponding to the message discrimination result Perform the procedure.

In the meantime, according to the present invention, when an intrinsic message sent from an intrinsic sender does not include address information but is provided with address information through the intrinsic message, the sender server 210 may provide address information corresponding to the intrinsic message to the program 120 as the message is identified as a intrinsic message, and the information receiver 170 receives address information corresponding to the intrinsic message . Address information corresponding to the intrinsic message may be received together with the message discrimination result or received separately from the message discrimination result. The information processing unit 175 may perform at least one of the following processes: output address information corresponding to the message, or process the address information to be output through the message receiving unit 115. [

Alternatively, if the intentional message sent from the intentional sender does not include the content information but is to be delivered through the intentional message, the sender server 210 determines that the message is an intentional message The content address corresponding to the intrinsic message may be provided to the program 120, and the information receiving unit 170 may receive the content address corresponding to the intrinsic message. The content address corresponding to the authenticity message may be received together with the message discrimination result or may be received separately from the message discrimination result. The information processing unit 175 receives and outputs the content corresponding to the content address or receives and outputs the content corresponding to the content address through the message receiving unit 115, And a process of receiving and outputting the content corresponding to the content address through a separate program capable of receiving and outputting the content among the programs included in the content list. Preferably, the content is a generic name of content to be provided through an intrinsic message. The content may include at least one of text content, image content, sound content, and multimedia content that can be output through the output resource of the wireless terminal 100 have.

According to the present invention, instead of sending the intrinsic message sent for settlement from the originating sender side without including the information to be used for the settlement procedure or payment authentication, the sender server 210 transmits the message The information receiver 170 may provide information to be used for the settlement process or payment authentication to the program 120 in response to the authenticity message for the settlement, And receives the information to be used for the payment procedure or the payment authorization correspondingly.

According to the first embodiment of the present invention, the information to be used for the settlement procedure or the settlement authentication may include an authentication number or an authentication code for phone bill settlement, mobile offline settlement. In this case, the intention message for settlement may include a settlement amount or the name of a merchant requesting settlement.

According to the second embodiment of the present invention, the information to be used for the payment procedure or the payment authentication may include payment information (for example, payment amount, merchant information, etc.) of the mobile payment using the wireless terminal 100 . In this case, the intention message for settlement does not include information included in the settlement information.

The information processing unit 175 may output the information to be used for the received payment procedure or payment authorization or may be a process for processing the information to be used for the payment procedure or the payment authorization through the message receiving unit 115, A process of processing a payment using information to be used for payment authentication or a payment authorization process and a separate program for processing payment using information to be used in the payment procedure or payment authentication among the programs provided in the wireless terminal 100 At least one of the following procedures may be performed: a process of providing information to be used for a payment procedure or a payment authorization, and processing for outputting a payment procedure to be performed;

1, the program 120 of the wireless terminal 100 may receive a message as a final message receiver in addition to a message received through the message receiver 115, And a messaging unit 180 for sending a message to the first message sending side. Preferably, the messaging unit 180 may include a push message transmitted / received via the device token of the program 120. [

FIG. 2 is a diagram illustrating a configuration of an intrinsic message discrimination system according to the present invention.

2 shows a program 120 provided in the wireless terminal 100. The message 120 is used to determine whether a message received by the wireless terminal 100 for payment is a genuine message sent from the originating side for payment, If the message is determined to be an intrinsic message for settlement, processing for payment corresponding to the intrinsic message is performed. If the person skilled in the art is familiar with the present invention, 2 may be referenced and / or modified to infer various implementations (e.g., some constructs omitted, or fragmented, or aggregated implementations) for the intrinsic message determination system, And the technical features thereof are not limited only by the method shown in FIG.

The intrinsic message discrimination system of the present invention comprises a wireless terminal 100 having the program 120 shown in FIG. 1 and an intrinsic message discriminating unit 120 provided in an operating agency operating the program 120 provided in the wireless terminal 100 A transmission side server 210 for performing a procedure for sending a message to the wireless terminal 100 without modifying a designated message exchange procedure, a procedure performed through the transmission side server 210, And a transmission server 215 for transmitting a message to the wireless terminal 100 by the wireless terminal 100. The relay server 200 relays the program 120 of the wireless terminal 100 and the transmission side server 210 220).

The operating server 205 is a generic name of a server that is provided in an operating entity that provides the program 120 having the configuration shown in FIG. 1 to the wireless terminal 100 and manages the operation of the program 120 Preferably the program 120 of the wireless terminal 100 maintains a valid state, and the program 120 performs a function of updating the information necessary for distinguishing the authentic message. 2, for simplicity, the operation server 205 is an independent server provided in an operating organization, but the present invention is not limited thereto. According to an embodiment of the present invention, ), Or the operating server 205 and the relay server 220 may be implemented as a single server.

The sending side server 210 is a collective term of a server provided at a sender or a sending organization for sending a message to the wireless terminal 100. The sending side server 210 preferably transmits a message to the wireless terminal 100, A message sending process for sending out the message is performed. Although FIG. 2 shows the transmission server 210 as an independent server in which the transmission server 210 is provided, the present invention is not limited thereto. According to an embodiment of the present invention, The server 205 and the sending server 210 and the sending server 215 may be implemented as a single server.

The sending server 215 is a collective term of a server that sends a message to the wireless terminal 100 as a result of a message sending procedure performed by the sending server 210. The sending server 215 is preferably a message sending server 215, And a server of an agency that is responsible for sending the institution's message. For example, an SMS server that sends SMS, an MMS server that sends MMS, a push server that sends push messages, and so on belong to the category of the sending server 215. 2, the sending server 215 is illustrated as a separate server for interfacing with the sending server 210. However, the present invention is not limited thereto, May be implemented in the form of a server together with the sending server 210.

The relay server 220 collectively refers to a server that relays communication between the program 120 and the sending server 210 of the wireless terminal 100. When the program 120 of the wireless terminal 100 is transmitted Side server 210, as shown in FIG. 2, the relay server 220 is a separate server provided in an operating organization, but the present invention is not limited thereto. According to an embodiment of the present invention, May be implemented in the form of a server together with the server 205 or in the form of a server provided in a third organization affiliated with the operating organization or the sending organization.

According to the present invention, the sending server 210 or the sending server 215 may be configured such that the message reading unit 145 of the program 120 included in the wireless terminal 100, during the message exchange procedure, And the 14th message reading method according to at least one message reading method, information necessary for reading is included so as to be included in a review subject to determine whether the message is an intrinsic message. For example, when the message includes a disposable code, the sending server 210 or the sending server 215 dynamically generates a disposable code to be included in the message and includes the disposable code in a designated code area of the message .

The sending server 210 or the sending server 215 performs a procedure of sending a message to the wireless terminal 100 according to the message sending procedure and then stores information about the sent message in a designated storage medium The sending server 210 or the sending server 215 receives the identification information transmitted from the program 120 of the wireless terminal 100 and compares the identification information with the information stored in the storage medium Determines whether the message corresponding to the identification information is an intrinsic message sent from the sending server 210 to the wireless terminal 100 and transmits the message discrimination result to the program 120 of the wireless terminal 100 .

According to the embodiment of the present invention, the sending server 210 or the sending server 215 may store the address information or the content information to be provided to the wireless terminal 100 in response to the message, Information or content information, and stores address information or content information corresponding to the message in the storage medium. Meanwhile, if the message corresponding to the identification information is determined to be an intrinsic message based on the identification information received from the program 120 of the wireless terminal 100, the sending server 210 or the sending server 215 may store Extracts address information or content information corresponding to the message from the medium, and provides the address information or the content information to the program 120 of the wireless terminal 100.

According to the embodiment of the present invention, when the sending server 210 or the sending server 215 sends a message for the payment to the wireless terminal 100, Message, and stores the information to be used for the payment procedure or the payment authentication in the storage medium and manages the information. Meanwhile, if the message corresponding to the identification information is determined to be an intrinsic message based on the identification information received from the program 120 of the wireless terminal 100, the sending server 210 or the sending server 215 may store Extracts information to be used for the settlement procedure or payment authentication from the medium, and provides the extracted information to the program 120 of the wireless terminal 100.

FIG. 3 is a flowchart illustrating a process of authenticating the program 120 according to an embodiment of the present invention and performing a preparatory procedure for authentic message discrimination.

In more detail, FIG. 3 illustrates an example in which the operating server 205 authenticates the validity of the program 120 as the program 120 shown in FIG. 1 is loaded into the wireless terminal 100, 120 of the present invention, it is possible to refer to and / or modify the program 120 by referring to FIG. 3, if it is known to those skilled in the art. It will be appreciated that various implementations (e.g., omitting some steps or altering the order) of the preparation procedures for authentication and authenticity message identification may be inferred, but the present invention encompasses all of the above- And the technical features thereof are not limited only by the method shown in FIG.

Referring to FIG. 3, the operation server 205 performs a process of providing a program 120 including the configuration shown in FIG. 1 to a user's wireless terminal 100 through a designated program providing server 300), the wireless terminal 100 downloads and installs the program 120 including the configuration shown in FIG. 1 from the program providing server (305). When the program 120 of FIG. 1 is installed in the wireless terminal 100 before the sale of the wireless terminal 100, the program 120 is provided to the user's wireless terminal 100 through the program providing server Can be omitted.

The program 120 of the wireless terminal 100 performs a procedure of authenticating the validity of the program 120 according to at least one of the first to fourth program authentication methods in cooperation with the operating server 205 The operation server 205 performs a procedure of authenticating the validity of the program 120 in conjunction with the program 120 of the wireless terminal 100 in operation 310. If the validity of the program 120 is not authenticated, the operating server 205 outputs validity error information through the program 120 (315). On the other hand, if the validity of the program 120 is authenticated, the operating server 205 determines whether the program 120 of the wireless terminal 100 transmits information necessary for determining a true message or a true message for payment (for example, (320) of the wireless terminal (100) to the program (120) of the wireless terminal (100), the server information, the information required for at least one of the first to fourteenth message reading methods, The mobile terminal 120 reads the message received by the wireless terminal 100 and receives and stores information for identifying the intrinsic message or the intrinsic message for settlement (325).

FIG. 4 is a flowchart illustrating an authentic message determination process according to the first embodiment of the present invention.

In more detail, FIG. 4 illustrates a process in which the program 120 shown in FIG. 1 reads one or more messages corresponding to a message reception event to determine whether the message is an intrinsic message. As a person skilled in the art, referring to and / or modifying FIG. 4, it will be possible to infer various implementations of the intrinsic message discrimination process (e.g., omitting some steps or changing the order) The present invention is not limited to the above-described embodiments, and various modifications and changes may be made without departing from the scope of the present invention.

Referring to FIG. 4, the sending server 210 sends a message that does not make the program 120 of the wireless terminal 100 as the final message receiving side to be received by the message receiving unit 115 of the wireless terminal 100 (400), and stores information about the sent message in a storage medium (405).

The message sent by the procedure performed by the sending server 210 is received (410) by the message receiving unit 115 of the wireless terminal 100 according to the designated message exchange procedure, and at the same time, A message reception event occurs (410).

The program 120 of the wireless terminal 100 checks (415) a message reception event for a message that is not the final message receiver, and transmits one or more messages corresponding to the message reception event to the first through 14th (420) a message to be included in the review to determine whether the message is an intrinsic message according to one or more read methods of the message read method.

If the message to be included in the review is not determined in response to the message reception event, the message reception unit 115 of the wireless terminal 100 performs a procedure of exposing the received message to the user according to a conventional procedure (425).

On the other hand, if the message to be included in the review object is determined in response to the message reception event, the program 120 of the mobile terminal 100 incorporates the message determined to be included in the review object into the review object for the determination of the true message 430), confirms the server information of the message embedded in the review object (435), and confirms the identification information of the message embedded in the review object (440). The program 120 of the wireless terminal 100 may further confirm the authentication information for authenticating the validity of the program 120 according to an embodiment of the present invention.

The program 120 of the wireless terminal 100 transmits the identification information to the server 200 corresponding to the server information to request the server 200 to determine whether the message embedded in the review target is a malicious message 445, The side server 210 receives the message identification information transmitted from the program 120 of the wireless terminal 100 either directly from the program 120 or relayed through the designated relay server 220 .

Based on the identification information, the sending server 210 determines whether a message embedded in a review subject by the program 120 of the wireless terminal 100 is a genuine message sent from the sending server 210 455). When the authentication information is received from the program 120 of the private digital wireless terminal 100 according to an embodiment of the present invention, the sending server 210 may further perform a procedure for authenticating the authentication information.

The sending server 210 configures a message discrimination result for discriminating whether the message included in the review target is the authenticity message sent from the sending server 210 by the program 120 of the wireless terminal 100, (460) a step of providing the message to the program 120 of the wireless terminal 100, and in accordance with the method of operation, the message embedded in the review object is a true message and the corresponding address information or content information is stored in the storage medium And provides the address information or the content information to the program 120 of the wireless terminal 100. [

The program 120 of the wireless terminal 100 receives the message reception result provided from the transmission side server 210 directly from the transmission side server 210 or relayed via the specified relay server 220 465). If the sending server 210 provides address information or content information corresponding to the message according to an embodiment of the present invention, the program 120 of the wireless terminal 100 may receive the address information or the content information. The program 120 of the wireless terminal 100 performs the procedure specified in the program 120 in response to the message discrimination result 470. If the received message is exposed to the user as a result of performing the designated procedure (425) may be performed, or a procedure may be performed to display a warning message or a warning message for the message. Alternatively, when address information is received in the program 120 of the wireless terminal 100, a procedure of displaying the address information may be performed or a procedure of accessing the address information may be performed. Alternatively, when the content information is received by the program 120 of the wireless terminal 100, a process of outputting the content corresponding to the content information may be performed.

FIG. 5 is a flowchart illustrating an authentic message determination process for payment according to a second embodiment of the present invention.

In more detail, FIG. 5 illustrates a process in which the program 120 shown in FIG. 1 reads a message corresponding to a message reception event and determines whether the message is a true message for settlement. It will be possible to refer to and / or modify the FIG. 5 to infer various implementations of the intrinsic message discrimination process (e.g., omitting some steps or changing the order) The present invention includes all of the above-described embodiments, and the technical features of the present invention are not limited only by the method shown in FIG.

Referring to FIG. 5, the sending server 210 performs a procedure (500) for sending a message for settlement that does not include information to be used for a payment procedure or payment authentication to the wireless terminal 100, Or information about the outgoing message including information to be used for payment authentication, in a storage medium (505).

The message sent by the procedure performed by the sending server 210 is received (510) by the message receiving unit 115 of the wireless terminal 100 according to a designated message exchange procedure, and at the same time, A message reception event occurs (510).

The program 120 of the wireless terminal 100 checks (515) a message reception event for a message received by the message reception unit 115 and transmits a message corresponding to the message reception event to the first to 14th messages (520) in accordance with one or more of the reading schemes and determines the received message for settlement.

If a message for settlement is not determined in response to the message reception event, the message reception unit 115 of the wireless terminal 100 performs a procedure of exposing the received message to the user according to a conventional procedure (525 ).

On the other hand, if a message for settlement is determined in response to the message reception event, the program 120 of the wireless terminal 100 incorporates the message for settlement into a review object for distinguishing a true message (530) Server information on a message embedded in the object is confirmed (535), and identification information on the message embedded in the review object is confirmed (540). The program 120 of the wireless terminal 100 may further confirm the authentication information for authenticating the validity of the program 120 according to an embodiment of the present invention.

The program 120 of the wireless terminal 100 transmits the identification information to the server 200 corresponding to the server information to request the server 200 to determine whether the message embedded in the review target is a malicious message for payment 545, , The sending server 210 receives identification information of the message transmitted from the program 120 of the wireless terminal 100 directly from the program 120 or relayed via the designated relay server 220 (550).

The sending server 210 determines whether a message embedded in the review subject by the program 120 of the wireless terminal 100 is an intrinsic message sent for settlement from the sending server 210 based on the identification information (555). When the authentication information is received from the program 120 of the wireless terminal 100 according to an embodiment of the present invention, the sending server 210 may further perform a procedure for authenticating the authentication information.

If the message corresponding to the identification information is determined to be a true message for payment, the sending server 210 transmits the message determination result and information to be used for the payment procedure or payment authentication to the program of the wireless terminal 100 120) in step 560.

The program 120 of the wireless terminal 100 may receive the message determination result provided from the transmission side server 210 and the information to be used for the payment procedure or payment authentication directly from the transmission side server 210, (Step 565). The program 120 of the wireless terminal 100 performs a payment procedure or a payment authentication procedure corresponding to the received message using information to be used for the payment procedure or the payment authentication corresponding to the message determination result 570. [ . Preferably, the program 120 of the wireless terminal 100 outputs the information to be used for the payment procedure or the payment authentication through the message receiving unit 115, A process of processing the payment using the information to be used for the payment procedure or the payment authorization, a process of using the information to be used for the payment process or the payment authorization among the programs provided in the wireless terminal 100 And a process of providing information to be used for the settlement process or the settlement authentication and outputting the settlement process to be performed, may be performed in a separate program for processing the settlement process.

100: wireless terminal 115: message receiver
120: Program 125: Membership / Authorization Department
130: program authentication unit 135: information setting unit
140: Event confirmation unit 145: Message reading unit
150: Review target incorporation unit 155: Server check unit
160: Information verification unit 165:
170: Information receiving unit 175: Information processing unit
180: Messaging part 1 85: Server

Claims (32)

A settlement processing method using an intrinsic message discrimination executed through a program provided in a wireless terminal,
A first step in which a message reception event for a message received at a wireless terminal is confirmed via a message center of a communication company;
A second step of reading a message corresponding to the message reception event and determining a message received for payment;
A third step of incorporating a message received for the payment into a review object for discriminating an intrinsic message;
A fourth step of determining whether a message embedded in the review object is an intrinsic message through a server corresponding to the message embedded in the review object; And
And a fifth step of receiving information to be used for a payment procedure or payment authentication as a result of discriminating the message as a true message, and processing the received information for use in settlement.
The method of claim 1, wherein the message received for payment comprises:
Wherein the received message is a message received without including information to be used for a payment procedure or payment authentication.
The method according to claim 1,
Further comprising the step of authenticating the validity of the program through an operation server of the program.
The method according to claim 1,
Further comprising the step of storing information about M (M > = 1) servers that send an intrinsic message,
When the message is incorporated into a review subject,
(1? M? M) server corresponding to a message included in the review target among the M servers, and a second step of checking whether the m .
The method of claim 1,
Wherein the program is a message that is not sent out as a final message receiving side.
The method of claim 1,
(SMS), an Enhanced Messaging Service (EMS), a Long Message Service (MMS), and a Multimedia Message Service (MMS) message received at a wireless terminal via a message center of a communication company. A method of processing a payment using an authenticity message discrimination.
The method of claim 1,
And a message received by receiving a program other than the program as a final message receiver.
The method of claim 1,
And a Rich Communication Suite (RSC) -based message.
2. The method according to claim 1,
And reading the information included in the sender-side information area of the message and confirming whether the information is matched with the specified sender-side identification information.
2. The method according to claim 1,
And reading the information included in the reception side information area of the message and confirming whether the information is matched with the designated reception side identification information.
2. The method according to claim 1,
Reading one or more characters included in a message content area of the message and checking whether the character string matches or is associated with a designated keyword or an index word.
2. The method according to claim 1,
And reading the information included in the callback area of the message and confirming whether it contains the specified callback information.
2. The method according to claim 1,
And reading the value included in the identification value area of the message and confirming whether it contains a specified identification value.
2. The method according to claim 1,
And reading the information included in the spare area of the message and confirming that the message includes the specified information.
2. The method according to claim 1,
And reading the code included in the code area of the message and checking whether the code includes a code matched with the designated code.
2. The method according to claim 1,
And reading the code included in the code area of the message and checking whether the code includes a code of a recognizable code system.
2. The method according to claim 1,
And authenticating the validity of the code included in the code area of the message.
18. The method according to any one of claims 15 to 17,
And a disposable code dynamically generated to determine whether the message is an intrinsic message by a sender of the message or a sending server that sends the message.
18. The apparatus according to any one of claims 15 to 17,
Wherein the message includes at least one of a header area, a data area, a tail area, and a separately defined area of the message.
2. The method according to claim 1,
And confirming whether or not the message includes information to be used for a payment procedure or payment authentication in the message.
2. The method according to claim 1,
And a message in which the reception of the message is confirmed by the message reception event but the access of the program is denied, is incorporated into the review object.
2. The method according to claim 1,
Wherein a message received by the message reception event but not stored in a designated message storage area is incorporated into the review object.
2. The method according to claim 1,
Wherein the message is received by the message reception event and is stored in a designated message storage area, and then the automatic deletion message is incorporated into the review object.
2. The method according to claim 1,
Wherein the message is received by the message reception event and stored in a designated message storage area, and then the deleted message is incorporated into the review object in the designated reference time.
2. The method according to claim 1,
Wherein the message is received by the message reception event and stored in a designated message storage area, and then the deleted message is incorporated into the review subject without confirming the message content by the user.
The method as claimed in claim 1,
Confirming identification information of a message embedded in the review object;
Performing a procedure of providing the identified identification information to the server; And
And receiving, from the server, a message discrimination result indicating that the message is an intrinsic message for settlement through the identification information.
The method as claimed in claim 1,
Confirming identification information of a message embedded in the review target and authentication information for verifying validity of the program;
Performing a procedure of providing the identified identification information and authentication information to the server; And
And receiving a result of message discrimination in which the message is an intrinsic message for settlement through the identification information based on the authentication result of the authentication information from the server. Processing method.
28. The method according to claim 26 or 27,
Information included in the sending-side information area of the message,
Information included in a receiving-side information area of the message,
One or more characters included in the message content area of the message,
Information included in a callback area of the message,
An identification value included in the identification value area of the message,
Information included in a spare area of the message,
Code included in the code area of the message,
Wherein the message comprises at least one piece of information or a combination of two or more pieces of information among the received date and time information.
The method as claimed in claim 1,
If the message is not an authentic message,
Further comprising the step of isolating the message from the message.
The method as claimed in claim 1,
If the message is not an authentic message,
Further comprising the step of displaying a warning message or an alert message for the message.
The method as claimed in claim 1,
If the message is not an authentic message,
Further comprising the step of isolating or deleting the message. ≪ Desc / Clms Page number 36 >
The method according to claim 1,
Further comprising the step of receiving a message indicating that the program is a final message receiver.

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