KR20170010043A - System for mobile payment - Google Patents

Abstract

A mobile product payment system and a method thereof are disclosed. The mobile product payment system according to the present invention includes a payment request receiving unit which receives the request of the payment of a product purchased through a purchaser terminal, a terminal identifying unit which identifies the kind of the purchaser terminal, and a payment performing unit which performs the payment of the product through a first payment method or a second payment method according to the kind of the purchaser terminal. The present invention can prevent the leak of personal information due to hacking and malicious codes.

Description

SYSTEM FOR MOBILE PAYMENT < RTI ID = 0.0 >

The present invention is a field technology for mobile settlement of goods. The present invention relates to a technology field for performing mobile settlement of goods according to the type of a reception target terminal.

In recent years, the smartphone market is growing globally, and the domestic smartphone market is also exploding.

Also, with the growth of the smartphone market, data communication is becoming more common and internet connection environment is becoming easier. In other words, Internet access using smart phones has become easier, and the use of the Internet using smart phones, such as mobile payment of goods, has become more active.

Therefore, research on new message transmission model and mobile settlement service is needed according to the activation of smartphone market.

The present invention provides a method and system for preventing payment of personal information due to hacking and malicious code by performing payment without using interlocking between applications by using a push notification in a smart phone, And provides a device and method for providing the same.

The present invention provides an apparatus and method for securing the safety of transactions by preventing the risk of settlement by making a settlement using an identification code, a connection password or the like in order to prevent a payer from being stolen.

A mobile commodity payment system according to an embodiment of the present invention includes a settlement request receiving unit for requesting payment of a commodity purchased through a purchaser terminal, a terminal identification unit for identifying a type of the purchaser terminal, And a payment performing unit for performing the payment of the goods through the payment method or the second payment method.

According to an aspect of the present invention, the payment performing unit may include a first payment unit for performing settlement of the goods through the first payment method when the type of the buyer terminal is a smart phone, And a second payment unit for performing settlement of the goods through the second payment method when the type of the goods is a feature phone.

According to an aspect of the present invention, the first payment unit may include a push notification unit for transmitting a payment request message to the purchaser terminal and requesting an application for managing payment within the purchaser terminal to proceed with payment, You can make a payment.

According to an aspect of the present invention, the second settlement unit may include a settlement request message transmission unit for transmitting a settlement request message including at least one of purchase product information, a callback URL, and a connection password to the buyer terminal, And a payment data receiving unit for receiving payment data from a purchaser who has accessed and downloaded a virtual machine for settlement, and can perform payment of the goods using the payment data.

According to an aspect of the present invention, a payment result transmitting unit may be further provided to transmit the payment details to at least one of the buyer terminal and the seller terminal.

The mobile commodity settlement method according to an embodiment of the present invention includes a step of receiving a settlement of a purchased commodity through a purchaser terminal, a step of identifying a type of the purchaser terminal, 2 < / RTI > payment method.

According to an embodiment of the present invention, a smart phone performs payment without using interoperation between applications by using a push notification, thereby preventing leakage of personal information due to hacking and malicious code, There is provided an apparatus and a method for providing convenience to notify a person who is a member of a group.

According to an embodiment of the present invention, there is provided an apparatus and method for securing the safety of a transaction by preventing the risk of settlement by performing settlement using an identification code, a connection password, or the like to prevent the payer from being hijacked.

1 is a block diagram illustrating an enterprise message transmission apparatus according to an embodiment of the present invention.
2 is a diagram for explaining a method of transmitting a message according to a reception target terminal in an embodiment of the present invention.
3 is a block diagram illustrating a mobile commodity payment system, in accordance with an embodiment of the present invention.
4 is a diagram illustrating an example of a process of performing mobile commodity settlement in an embodiment of the present invention.
5 is a flowchart illustrating an enterprise message transmission method according to an exemplary embodiment of the present invention.
FIG. 6 is an operational flowchart illustrating a mobile commodity settlement method according to an embodiment of the present invention.
FIG. 7 is another example of a message transmission method according to an exemplary embodiment of the present invention.

Hereinafter, embodiments according to the present invention will be described in detail with reference to the accompanying drawings. However, the present invention is not limited to or limited by the embodiments. Like reference symbols in the drawings denote like elements.

1 is a block diagram illustrating an enterprise message transmission apparatus according to an embodiment of the present invention.

1, the enterprise message transmission apparatus 100 includes a message receiving unit 110, a terminal checking unit 120, a first transmitting unit 130, and a second transmitting unit 140.

The message reception unit 110 can receive a message from the outside. At this time, the message may be a text message, and in this case, it may be originated through a corporate message sending terminal or the like. In addition, the message may be a message originating from a general user using a smart phone, a feature phone, or the like. The type of the message may be any of Short Message Service (SMS), Long Message Service (LMS), and Multimedia Messaging Service (MMS).

The terminal confirmation unit 120 can confirm whether the reception terminal of the message is a terminal connectable to the Internet. Here, the Internet connection may include all connections through WIFI, 3G, and the like. In addition, if the receiving terminal can not connect to the Internet, or if the current Internet connection is impossible in a shaded area where the receiving terminal can not connect to the Internet, it can be determined that the Internet connection is not possible.

If the receiving terminal is a terminal capable of connecting to the Internet, the first transmitting unit 130 may transmit the received message through the Internet using an application installed in the receiving terminal. In this case, the first transmitter 130 may include a user authentication unit 131 for authenticating a user of the reception terminal. That is, even if the receiving terminal is a terminal capable of connecting to the Internet, the message can be transmitted through the Internet only to the authenticated user. Here, whether or not the authenticated user is authenticated is an application installed in the reception target terminal, and if the application is an authenticated application, it can be determined that the user is an authenticated user. In order to determine an authenticated application, if the receiving terminal has a telephone number, the telephone number of the receiving terminal installed with the application is extracted, and the extracted telephone number is a telephone number registered in the database for authentication And authenticate the application. That is, when selling the application to the user, the user's telephone number can be registered in advance in the database for authentication, and can be confirmed at the time of application authentication later.

On the other hand, when the receiving terminal equipped with the application does not have a telephone number, the application can be authenticated using another terminal telephone number of the user name. For example, in the case of a terminal such as IPAD, IPod or the like, which is connectable to the Internet or does not have a telephone function, the application can be authenticated using the telephone number of another terminal owned by the terminal. That is, when the application is sold to a terminal capable of connecting to the Internet or a terminal without a telephone function, another telephone number of the owner of the terminal may be registered in the database for authentication and may be confirmed at the time of application authentication.

The second transmission unit 140 may transmit the received message using the mobile communication network if the receiving terminal is a terminal that is not connectable to the Internet. In this case, a terminal that is not connectable to the Internet may include a case where a user is located in a shaded area where the Internet is not connected and is not connectable to the Internet. In this case, the received message can be transmitted using the mobile communication network.

Hereinafter, an example of a process of changing a message transmission method according to the type of a reception target terminal will be described in detail with reference to FIG.

2 is a diagram for explaining a method of transmitting a message according to a reception target terminal in an embodiment of the present invention.

2, when a user 211 transmits a message through a WIFI network or a 3G network in order to transmit an enterprise message, the device 230 for managing the transmission of a corporate message receives the message through the reception unit 231 A message may be transmitted in a different manner depending on the type of the reception target terminal. For example, if the receiving terminal is the feature phone 221, the message is transmitted through the mobile communication network. If the receiving terminal is the terminal 222 having installed the application for the enterprise message transmission, One message can be sent to the Internet.

In this case, the method may further include authenticating whether the application for transmitting the enterprise message is an authorized application, and may transmit the received message to the Internet only for the terminal installed with the authenticated application.

Referring again to FIG. 1, the enterprise message transmission apparatus 100 may further include a messenger provider 150. The messenger provider 150 may provide a messenger service in which the receiving terminal and the calling terminal can send and receive messages through the Internet when the application is installed in the calling terminal and the receiving terminal of the message. For example, both the calling terminal and the receiving terminal can be connected to the Internet. When the application is installed in both the calling terminal and the receiving terminal, the caller and the receiver can use the messenger service through the application. Here, the messenger service refers to a service that enables two or more users to instantly perform communication such as text using a network such as the Internet.

Therefore, both the originating terminal and the destination terminal can be connected to the Internet, and when the application is installed, the messenger service can be used by using the mobile terminal.

The enterprise message transmission apparatus 100 may further include a broadcast MO management unit 160. Here, if the message is a message for a Mobile Originated, the broadcast MO management unit 160 may transmit the message to the broadcast MO server through the Internet.

3 is a block diagram illustrating a mobile commodity payment system, in accordance with an embodiment of the present invention.

3, the mobile commodity settlement system 300 includes a settlement request receiving unit 310, a terminal identifying unit 320, and a settlement performing unit 330.

The settlement request receiving unit 310 may be requested to settle the purchased product through the purchaser terminal. Upon receipt of the request for payment of goods from the purchaser terminal, it can be notified to the seller terminal that the purchase and payment request has been received.

On the other hand, after the purchaser (payer) requests payment, the payment information including the purchased goods and the quantity of the purchaser (payer), the mobile phone information of the purchaser (payer), and the like are delivered to the seller, Information, cell phone information, and the like to the electronic payment server.

The terminal identification unit 320 can identify the type of the purchaser terminal. For example, the buyer's terminal can be identified as a smartphone or a feature phone.

The settlement performing unit 330 may perform settlement of the goods through the first settlement method or the second settlement method according to the type of the buyer terminal. Here, the settlement performing unit 330 may include a first settlement unit 331 that performs settlement of the goods through the first settlement method when the type of the buyer terminal is a smart phone, And a second payment unit 333 for performing settlement of the goods through the second payment method when the type is a feature phone.

The first payment unit 331 may include a push notifying unit 332 for transmitting a payment request message to the purchaser terminal and requesting an application for managing payment within the purchaser terminal to proceed with a payment. Here, the payment request message is transmitted in the form of an SMS message, an MMS message, etc., and may include an Internet access URL, an Internet access password, and the like, which must be accessed for payment. When payment progress is requested through the push notification unit 332, the first payment unit 331 can perform settlement through the application.

The second settlement unit 334 includes a settlement request message transmission unit 335 for transmitting a settlement request message including at least one of purchase product information, a callback URL, and a connection password to the buyer terminal, And a payment data receiving unit 336 for receiving payment data from a purchaser who has connected and downloaded a virtual machine for settlement. That is, when the second payment unit 334 transmits a payment request message including at least one of the purchased product information, the callback URL, and the access password to the purchaser (payer) terminal, the payer accesses the URL, Download the machine, and perform settlement through the virtual machine.

The mobile commodity settlement system 300 may further include a settlement result transmission unit 340 for transmitting the settlement details to at least one of the buyer terminal and the seller terminal. That is, the payment result transmitting unit 340 can immediately transmit the payment result to the seller and the payer.

4 is a diagram illustrating an example of a process of performing mobile commodity settlement in an embodiment of the present invention.

Referring to FIG. 4, first, a buyer (payer) can select a product to be purchased at the seller's store. Here, the store of the seller may include an online shopping mall or the like. After the purchaser (payer) has decided to purchase the merchandise, the seller can store the purchaser (payer) information, the Internet access password, and the like in the electronic payment server 430 through the seller portable terminal 410. Here, the buyer (payer) information may include payment information including the goods to be paid and the number of the payer (payer), mobile phone number, and the like.

Thereafter, the electronic payment server 430 can send a payment request SMS to the payment application of the purchaser (payer) portable terminal 420 to perform push notification. Here, the payment request SMS may include an Internet access URL to be accessed for payment, a connection password for accessing the URL, and the like.

The buyer (payer) who has received the settlement request SMS can check settlement details of the seller through the settlement application and proceed with settlement. At this time, the terminal that can not connect to the Internet or the terminal without the application can access the Internet through the PC 450 to check payment details and proceed with payment.

When the purchaser (the payer) confirms the payment details and requests the electronic payment server 430 to proceed with the payment, the electronic payment server 430 requests settlement with the financial company 440, and the financial company 440 re- To the electronic payment server 430.

Thereafter, the electronic payment server 430 can transmit the settlement result to the seller portable terminal 410 and the payer portable terminal 420.

As described above, by performing the settlement without interlocking the applications using the push notification, it is possible to prevent the hacking and leakage of the personal information due to the malicious code.

5 is a flowchart illustrating an enterprise message transmission method according to an exemplary embodiment of the present invention.

Referring to FIG. 5, in step 510, a message may be received from the message originating entity.

In step 520, it is possible to confirm whether the message receiving terminal is a terminal connectable to the Internet.

In step 530, if the receiving terminal is a terminal connectable to the Internet, the received message can be transmitted through the Internet using an application installed in the receiving terminal. Here, the step 530 may authenticate the user of the receiving terminal, and may transmit the message through the Internet when the user is an authenticated user. Here, the user authentication can be performed through application authentication installed in the reception target terminal, and when the application is an authenticated application, the user can be determined to be an authenticated user. In addition, the application authentication can authenticate the application using the telephone number of the receiving terminal when the receiving terminal has a telephone number. At this time, if the receiving terminal does not have a telephone number, the application can be authenticated using another terminal telephone number of the user name.

In step 540, if the receiving terminal is a terminal that is not connectable to the Internet, the receiving terminal can transmit the received message using the mobile communication network.

The enterprise message transmission method may further include the step of providing a messenger service in which the receiving terminal and the calling terminal can transmit and receive messages through the Internet when the application is installed in both the calling terminal and the receiving terminal .

In addition, when the message is a message for a broadcast MO, the method may further include transmitting the message to a broadcast MO server through the Internet, thereby providing a broadcast MO service.

FIG. 6 is an operational flowchart illustrating a mobile commodity settlement method according to an embodiment of the present invention.

Referring to FIG. 6, in step 610, a payment for a purchased product through the purchaser terminal may be requested.

In step 620, the type of the purchaser terminal can be identified. For example, the buyer terminal may be a smartphone or a feature phone.

In step 630, payment of the goods can be performed through the first settlement method or the second settlement method according to the type of the buyer terminal. Here, if the type of the purchaser terminal is a smart phone, the step 630 performs payment of the goods through the first payment method. If the type of the purchaser terminal is a feature phone, The payment of the goods can be performed through the second payment method.

In addition, the payment of goods through the first payment method may be performed by transmitting a payment request message to the purchaser terminal, requesting an application for managing payment in the purchaser terminal, have.

Also, the execution of the goods settlement through the second settlement method may include transmitting a settlement request message including at least one of purchase product information, a callback URL, and a connection password to the buyer terminal, accessing the callback URL, After receiving the payment data from the purchaser who has downloaded the virtual machine for payment of the goods, the payment of the goods can be performed using the payment data.

Meanwhile, the payment details performed may be immediately transmitted to at least one of the buyer terminal and the seller terminal.

In the meantime, the parts not described in FIGS. 5 to 6 can be referred to the description of FIG. 1 to FIG.

As described above, according to the type of the reception target terminal, when the corporate message is transmitted, the message transmission fee can be saved by selectively transmitting the message using the Internet or the message transmission using the mobile communication network.

* In order to prevent the payer from being hijacked, payment is made using an identification code, a connection password, etc., thereby preventing the risk of settlement and securing the safety of the transaction.

FIG. 7 is another example of a message transmission method according to an exemplary embodiment of the present invention.

Referring to FIG. 7, unlike FIG. 3, FIG. 7 shows a case in which a company that sends a message is an enterprise sending system 701.

The message transmission apparatus according to an embodiment of the present invention may include an EMMA 703, a server 704, and gateways 705, 706, and 707.

The enterprise forwarding system 701 can forward the recipient list 702 to receive the message to the enterprise message transmission client EMMA 703 without knowing the type of the receiving terminal. The recipient list 702 is a list having no distinction as to the type of recipient terminal, and the recipient numbers for the recipients are matched.

The EMMA 703 may forward the recipient list 702 to the server 704. The server 704 can check the type and status of the receiving terminal and route the message sent by the enterprise broadcasting system 701 according to the confirmed result. At this time, the server 704 can select any one of the gateways 705, 706, and 707 according to the type and state of the receiving terminal and transmit the message to the receiving terminal. The server 704 can identify the receiver and the receiver number included in the receiver list and confirm the type and status of the receiver terminal.

For example, when the receiving terminal is a general mobile phone, an application for receiving a message is not installed, or the application can not receive a message, the server 704 transmits an SMS / LMS / MMS type Message to the receiving terminal.

When an application capable of receiving a message is installed in the receiving terminal, the server 704 can transmit the message to the receiving terminal through the gateway 705. [

In addition, when the receiving terminal is a terminal capable of receiving a broadcast MO (Mobile Originated) message, the server 704 can transmit the message to the receiving terminal through the gateway 707. [ That is, if the receiving terminal is a terminal capable of receiving the broadcast MO message, the server 704 may transmit a broadcast MO (Mobile Originated) message to the receiving terminal corresponding to the receiving number # 8910.

Embodiments according to the present invention may be implemented in the form of program instructions that can be executed through various computer means and recorded in a computer-readable medium. The computer-readable medium may include program instructions, data files, data structures, and the like, alone or in combination. The program instructions recorded on the medium may be those specially designed and constructed for the present invention or may be available to those skilled in the art of computer software. Examples of computer-readable media include magnetic media such as hard disks, floppy disks and magnetic tape; optical media such as CD-ROMs and DVDs; magnetic media such as floppy disks; Magneto-optical media, and hardware devices specifically configured to store and execute program instructions such as ROM, RAM, flash memory, and the like. Examples of program instructions include machine language code such as those produced by a compiler, as well as high-level language code that can be executed by a computer using an interpreter or the like. The hardware devices described above may be configured to operate as one or more software modules to perform the operations of the present invention, and vice versa.

While the invention has been shown and described with reference to certain preferred embodiments thereof, it will be understood by those of ordinary skill in the art that various changes in form and details may be made therein without departing from the spirit and scope of the invention as defined by the appended claims. This is possible.

Therefore, the scope of the present invention should not be limited to the described embodiments, but should be determined by the equivalents of the claims, as well as the claims.

110:
120:
130:
140:
150: messenger offerings
160: Broadcast MO management section

Claims (11)

A payment request receiving unit for requesting payment of a product purchased through the purchaser terminal;
A terminal identification unit for identifying a type of the purchaser terminal; And
A settlement unit for performing settlement of the goods through the first settlement method or the second settlement method according to the type of the buyer terminal,
The mobile payment system. The method according to claim 1,
Wherein the settlement performing unit comprises:
A first payment unit for performing payment of the goods through the first payment method when the type of the purchaser terminal is a smart phone; And
A second payment unit for performing settlement of the goods through the second payment method when the type of the purchaser terminal is a feature phone,
The mobile payment system. The method according to claim 1,
The first settlement unit,
A push notification unit for sending a payment request message to the purchaser terminal and requesting an application for managing payment in the purchaser terminal to proceed with a payment,
Lt; / RTI >
And performs settlement through the application. The method according to claim 1,
And the second payment unit,
A payment request message transmission unit for transmitting a payment request message including at least one of purchase product information, a callback URL, and a connection password to the purchaser terminal; And
A payment data receiving unit for receiving payment data from a purchaser who has accessed the callback URL and downloaded a virtual machine for payment,
Lt; / RTI >
And performs settlement of the commodity using the settlement data. The method according to claim 1,
A settlement result transmission unit for transmitting the payment details performed to at least one of the buyer terminal and the seller terminal,
Wherein the mobile payment system further comprises: Receiving a payment for a purchased product through a purchaser terminal;
Identifying a type of the purchaser's terminal; And
Performing payment of the goods through the first payment method or the second payment method according to the type of the purchaser terminal
The method comprising the steps of: The method according to claim 6,
The step of performing the settlement includes:
Performing payment of the goods through the first payment method when the type of the purchaser terminal is a smart phone; And
Performing payment of the goods through the second payment method if the type of the purchaser terminal is a feature phone,
The method comprising the steps of: 8. The method of claim 7,
Wherein the step of performing settlement of the goods through the first settlement method comprises:
Sending a payment request message to the purchaser terminal and requesting an application for managing payment within the purchaser terminal to proceed with payment; And
Performing payment through the application
The method comprising the steps of: 8. The method of claim 7,
Wherein the step of performing settlement of the goods through the second settlement method comprises:
Transmitting a payment request message including at least one of purchase product information, a callback URL, and a connection password to the purchaser terminal;
Receiving payment data from a purchaser who has downloaded a virtual machine for payment by accessing the callback URL; And
Performing settlement of the commodity using the settlement data
The method comprising the steps of: The method according to claim 6,
Transmitting the payment history to at least one of the buyer terminal and the seller terminal
Further comprising the steps of: A computer-readable recording medium having recorded thereon a program for executing the method according to any one of claims 6 to 10.

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