KR20220087961A - Callback text service and payment system including URL - Google Patents

Abstract

The present invention relates to an electronic payment approval method and system using a short message including a URL callback. According to the present invention, the payment account identification code for a purchaser's electronic payment request made in the electronic shopping mall by the payment approval server is via a wired communication network via the electronic shopping mall server, and the payment account authentication code, which requires the most security, is the electronic shopping mall server After collecting directly from the purchaser's mobile terminal through a wireless communication network where no According to the present invention, the security of the electronic payment is further increased because the payment approval server receives, in particular, the payment account authentication code, which requires security, from the electronic payment account information directly from the purchaser's mobile terminal through the wireless communication network. Nevertheless, the electronic payment process is convenient and simple because the input process of the payment account verification code is performed using a short message including a URL callback.

Description

Callback text service and payment system including URL}

The present invention relates to an electronic payment approval method and system using a short message, and more particularly, to a callback text service including a URL and a payment system.

With the recent development of information and communication technology, as Internet services spread and spread throughout the nation, e-commerce, which allows you to purchase and order products from your home without directly visiting an offline store, has been activated and is in the spotlight.

The driving force for such rapid development of e-commerce is various, among which the most representative is the development of various electronic payment technologies.

Currently, one of the most commonly used electronic payment methods in e-commerce is electronic payment using a credit card. However, electronic payment using a credit card has a security vulnerability in that various security information of the credit card must be entered directly on the Internet (even a password is entered).

Accordingly, after credit card information is collected by a hacking program or a shopping mall operator with illegal intentions, credit cards are stolen online. to be. This is a security vulnerability in that online credit card payments can be made by anyone if they know credit card information even if they do not possess a credit card, and in the process of payment transactions, credit card information is transmitted through an open communication network called the Internet, thereby preventing illegal theft. It comes from the limitation that there is no choice but to be exposed defenselessly.

Therefore, new payment methods are being sought from various angles to ensure the security of payment while allowing the purchaser to enjoy the convenience of credit card payment online.

Meanwhile, recently, after charging cash into a virtual electronic money account, electronic wallets used in various e-commerce transactions (eg, SK Telecom's Nemo service) and various points paid in Internet e-commerce transactions are integrated and sequentially stored in the cashback account. Afterwards, new payment methods such as cashback cards, which are used like cash, are being commercialized and serviced.

However, although the above new payment method provides various conveniences that a credit card cannot provide, it also contains the above-described problems of the credit card payment method as it is. This is because the new payment methods also have a security loophole in that all information related to the payment method must be input on the Internet in order to be used for electronic payment.

Therefore, in order for the new payment method to be used universally, it is a task that must be prioritized above all to ensure the security of payment.

The present invention was devised to solve the problems of the prior art described above, and uses a short message including a URL callback that can safely and conveniently perform an electronic payment based on an online electronic payment account using a mobile terminal. An object of the present invention is to provide an electronic payment approval method and system.

According to one aspect of the present invention, it is possible to safely and simply make an electronic payment by inputting electronic payment information on a mobile terminal using a wireless Internet service that has been rapidly becoming common in recent years.

According to another aspect of the present invention, since the payment account authentication code, which requires the most security, is input on the mobile terminal, it is not affected by a hacking program that extracts the contents of the keyboard input.

According to another aspect of the present invention, since it is possible to access the authentication code input WAP page using a URL callback after receiving the text message, it is possible to conveniently perform electronic payment.

According to another aspect of the present invention, when the payment is made with the electronic wallet identified by the mobile terminal number, the purchaser only needs to input the mobile terminal number without entering a separate payment account identification code on the payment information input web page, so it is very convenient You can make electronic payments.

1 is a schematic configuration diagram of an electronic payment approval system using a short message including a URL callback according to an embodiment of the present invention;
2A and 2B are flowcharts of an electronic payment approval method using a short message including a URL callback according to an embodiment of the present invention.
3 is a view showing the action of each network constituent in the electronic payment approval method shown in FIGS. 2A and 2B over time.
4A and 4B are flowcharts of an electronic payment approval method using a short message including a URL callback according to another embodiment of the present invention.
5 is a view showing the action of each network constituent in the electronic payment approval method shown in FIGS. 4A and 4B according to the passage of time.

According to an aspect of the present invention for achieving the above technical problem, an electronic payment approval method using a short message including a UR callback is connected to a payment account management server operating a payment account database and an electronic shopping mall server through a communication network, and (WAP) This is a method in which the payment approval server supporting the service approves the electronic payment in the electronic shopping mall using the purchaser's mobile terminal. More specifically, the present invention relates to (a) product transaction information including purchase target product information and purchase price information from a purchaser terminal connected to an electronic shopping mall server, and the purchaser's mobile terminal number and payment account identification code through a communication network. receiving input;

(b) transmitting a short message including a URL callback linking the WAP connection of the payment approval server to the purchaser's mobile terminal; (c)

receiving a payment account authentication code from the buyer's mobile terminal when there is a WAP connection of the buyer's mobile terminal using the UR callback; (d) transmitting at least the payment account identification code and authentication code to the payment account management server, querying whether payment is possible by the payment account and waiting for a response; and (e) when the payment account management server transmits a payment authorization code as a result of querying the payment account database using the payment account identification code and authentication code, receiving it and authorizing the electronic payment; characterized.

According to another aspect of the present invention, an electronic payment approval method using a short message including a URL callback is connected through a communication network with a payment account management server and an electronic shopping mall server that operate a payment account database identifiable by a mobile terminal number, and WAP) is a method in which the payment approval server supporting the service approves the electronic payment in the electronic shopping mall using the purchaser's mobile terminal. More specifically, the present invention comprises the steps of: (a) receiving product transaction information including purchase target product information and purchase price information from a purchaser terminal connected to an electronic shopping mall server, and the purchaser's mobile terminal number through a communication network; (b) transmitting a short message including a URL callback linking the WAP connection of the payment approval server to the purchaser's mobile terminal; (c) receiving a payment account authentication code from the buyer's mobile terminal when there is a WAP connection of the buyer's mobile terminal using the UR callback; (d) transmitting at least the mobile terminal number and the payment account authentication code to the payment account management server, querying whether payment is possible by the electronic payment account identified by the mobile terminal number and waiting for a response; and (e) when the payment account management server transmits a payment authorization code as a result of querying the payment account database with the mobile terminal number and payment account authentication code, receiving it and authorizing the electronic payment; characterized.

In the present invention, in the step (c), if there is a WAP connection of the buyer's mobile terminal using the UR callback, the mobile terminal number transmitted during the WAP connection and the mobile terminal number input through the electronic shopping mall server are matched. It is preferable to receive the payment account authentication code from the purchaser's mobile terminal.

In the present invention, the payment account database records the current balance of the buyer's payment account, and in step (d), the purchase price information is further transmitted to the payment account management server, and the payment authorization code of the step (e) is The transmission is preferably performed under the additional condition that the purchase amount is within the current balance as a result of the payment account management server querying the payment account database.

In the present invention, the payment account database records the payment limit of the buyer's payment account and the total amount of payment accumulated so far, and further transmits purchase price information to the payment account management server in step (d), and (e) It is preferable that the transmission of the payment authorization code in step ) is performed under the additional condition that, as a result of the payment account management server querying the payment account database, the sum of the accumulated payment amount and the purchase amount is within the payment limit.

In the present invention, the payment account management server may be a credit card company server, the payment account identification code may be a credit card number, and the payment account authentication code may include a credit card password. In this case, in the present invention, in the step (a), the merchant code of the electronic shopping mall is further input from the purchaser terminal, and after the step (e), the credit card number of the payment approved, the purchase price approved for payment, and the payment approval The method may further include the step of recording the product information, the electronic shopping mall affiliated store code, and the payment approval date and time in the payment approval history database.

In the present invention, the payment account management server may be a bank server, the payment account identification code may be a bank account number, and the payment account authentication code may include a bank transfer password. In this case, in the present invention, in the step (a), the merchant code of the electronic shopping mall is further input from the purchaser terminal, and after the step (e), the bank account number for which payment is approved, the purchase price approved for payment, and payment approval The method may further include the step of recording the product information, the electronic shopping mall affiliated store code, and the payment approval date and time in the payment approval history database.

In the present invention, the payment account operation server may be an electronic wallet operation server, the payment account identification code may be an electronic wallet identification number, and the payment account authentication code may include an electronic wallet authentication code. In this case, in the present invention, in the step (a), the merchant code of the electronic shopping mall is further input from the purchaser terminal, and after the step (e), the payment approved electronic wallet identification number, the payment approved purchase price, and electronic The method may further include recording the merchant code and payment approval date and time of the shopping mall in the payment approval history database.

In the present invention, the payment account management server may be a cashback card management server, the payment account identification code may be a cashback card number, and the payment account authentication code may include a cashback card authentication code. In this case, in the present invention, in the step (a), the merchant code of the electronic shopping mall is further input from the purchaser terminal, and after the step (e), the cashback card number approved for payment, the payment approved purchase price, and the purchase approval The method may further include the step of recording the product information, the electronic shopping mall affiliated store code, and the payment approval date and time in the payment approval history database.

In the present invention, after step (e), transmitting the payment approval code to the electronic shopping mall server; and recording, by the electronic shopping mall server, the purchase price for which payment is approved, product information for which payment has been approved, and the date and time of payment approval, in the sales information database on condition of receipt of the payment approval code.

An electronic payment approval system using a short message including a UR callback according to an aspect of the present invention is linked with a payment account management server that operates a payment account database after receiving an electronic payment request from a purchaser terminal connected to an electronic shopping mall server It is an electronic payment approval system including a payment approval server that approves electronic payments and supports swap services. More specifically, the payment approval server receives the product transaction information, the purchaser's mobile terminal number, and the payment account identification code from the purchaser terminal, and then a short message including a URL callback linking the WAP connection of the payment approval server. to the buyer's mobile terminal; receiving a payment account authentication code from the buyer's mobile terminal when there is a WAP connection of the buyer's mobile terminal using the UR callback; While transmitting payment account authentication information including at least a payment account identification code and an authentication code to the payment account business server, the payment account identification code and when a payment authorization code is transmitted as a result of querying the payment account database with the payment account authentication code, it is characterized in that the electronic payment is approved by receiving it.

According to another aspect of the present invention, an electronic payment approval system using a short message including a URL callback operates a payment account database identifiable by a mobile terminal number after receiving an electronic payment request from a purchaser terminal connected to an electronic shopping mall server. It is an electronic payment approval system including a payment approval server that approves electronic payments in conjunction with a payment account management server and supports a swap service. More specifically, the payment approval server receives the product transaction information and the purchaser's mobile terminal number from the purchaser terminal, and then sends a short message including a URL callback linking the WAP connection of the payment approval server to the purchaser's mobile terminal. transmit; If there is a WAP connection of the buyer's mobile terminal using the URL callback, the payment account authentication code is input from the buyer's mobile terminal on condition that the mobile terminal number transmitted during the WAP connection and the mobile terminal number input through the electronic shopping mall match ; While transmitting payment account authentication information including at least a mobile terminal number and a payment account authentication code to the payment account business server, a query is made on whether payment is possible for a product purchase price and waiting, and the payment account business server identifies the payment account When a payment authorization code is transmitted as a result of searching the payment account database with the code and payment account authentication code, it is characterized in that the electronic payment is approved by receiving it.

Hereinafter, preferred embodiments of the present invention will be described in detail with reference to the accompanying drawings. Prior to this, the terms or words used in the present specification and claims should not be construed as being limited to conventional or dictionary meanings, and the inventor should properly understand the concept of the term in order to best describe his invention. Based on the principle that it can be defined, it should be interpreted as meaning and concept consistent with the technical idea of the present invention. Accordingly, the embodiments described in this specification and the configurations shown in the drawings are only the most preferred embodiment of the present invention and do not represent all the technical spirit of the present invention, so at the time of the present application, various It should be understood that there may be equivalents and variations.

1 is a schematic configuration diagram of a system for implementing an electronic payment approval method using a short message including a URL callback according to the present invention.

Referring to FIG. 1 , the electronic payment approval system using a short message including a URL (URL) callback includes a purchaser terminal 10, a purchaser mobile terminal 20, an electronic shopping mall server 30, and a payment approval server 40. , and a payment account management server 50 .

The payment approval server 40 is linked to enable mutual communication with the purchaser terminal 10, the electronic shopping mall server 30, and the payment account management server 50 through a wired communication network. In addition, the payment approval server 40 is connected to the purchaser mobile terminal 20 through a wireless communication network by supporting the wireless WAP service. The electronic shopping mall server 30 provides an online e-commerce site, and the purchaser connects to the electronic shopping mall server 30 through a communication network using the purchaser terminal 10 and performs an electronic payment according to the present invention. Buy the product.

In the present invention, the communication network refers to a data communication network in a comprehensive sense that is connected to each other by various networks including LAN, WAN, intranet and similar internal networks and provides access to the Internet, which includes a private network, a public It should be understood to include not only a wired network including a telephone network (PSTN), but also a wireless network such as a mobile communication network, a satellite communication network, and IMT-2000.

The purchaser terminal 10 is a computer terminal through which a purchaser can access the electronic shopping mall server 30 and order a product purchase using the electronic payment method according to the present invention. The purchaser runs an Internet web browser such as Microsoft's Internet Explorer on the purchaser terminal 10 to access the e-commerce site established by the electronic shopping mall server 30 .

The purchaser terminal 10 may be a desktop computer, a notebook computer, a palmtop computer, a personal digital assistant (PDA), or the like, but the present invention is not limited thereto.

The purchaser mobile terminal 20 can receive a text message by a short message service (SMS), and a WAP connection through a wireless communication network is possible with a URL callback included in the short message. it is a terminal In particular, in the embodiment of the present invention, the mobile terminal 20 receives a short message including a URL callback transmitted by the payment approval server 40 in the process of making an electronic payment according to the present invention, and the URL ( URL) is connected to the wireless WAP service provided by the payment approval server 40 using a callback.

The purchaser's mobile terminal 20 may be a cellular phone, a PCS phone, a PDA phone, or the like, but the present invention is not limited thereto.

The electronic shopping mall server 30 provides product information such as the price and type of goods or services to be sold (collectively referred to as products) to the purchaser, and sells the product in an electronic manner upon the request of the purchaser. In particular, when the electronic shopping mall server 30 sells a product to a buyer, the electronic shopping mall server 30 pays the product purchase price by the electronic payment method according to the present invention. That is, when the purchaser requests electronic payment of the price for the product to be purchased, information necessary for the electronic payment is collected and transmitted to the payment approval server 40 to request approval of the electronic payment.

Preferably, the electronic shopping mall server 30 is operated by a company affiliated with the payment approval server 40 and has an affiliated store code that the payment approval server 40 can uniquely identify. In this case, the payment approval server 40 may distinguish the electronic payment approval transaction of the product purchase price by the affiliated store identification code.

The electronic shopping mall server 30 includes a product information database 30a in which prices and types of products are recorded, and a sales information database 30b in which sales details such as products purchased by a buyer and a transaction date are stored.

Specifically, the product information database 30a records and manages the name of the product to be sold, the identification code of the product, the type of product, detailed information of the product, the price of the product, and the manufacturer of the product. When the electronic shopping mall server 30 sells digital contents such as cartoons and avatars, the product itself may be recorded in the product information database 30b.

In addition, in the sales information database 30b, payment approved purchase price, payment approved product identification code, payment approved product information, payment approval date and time, purchaser identification code (eg, ID), product sales volume, product sale date and time, product Information such as delivery address and payment approval serial number is recorded and managed.

When the electronic shopping mall server 30 is operated as a member system, it is preferable that the purchaser obtains an ID and password through membership registration prior to purchasing a product and logs in to the electronic shopping mall server 30 . The electronic shopping mall server 30 collects membership registration information from the purchaser during the purchaser's membership registration process and stores it in a member management database (not shown). In the member management database, information such as identification code (ID), password, resident registration number, contact information, and address of a member is recorded and managed.

The payment approval server 40 performs a payment approval process for the electronic payment request made in the electronic shopping mall server 30 . That is, when the payment approval server 40 receives a payment approval request from the electronic shopping mall server 30 , it approves the electronic payment in connection with the payment account management server 50 . At this time, the payment approval server 40 collects the identification code of the account for which the electronic payment is to be made through the wired communication network and the authentication code of the account through the wireless communication network, and then authenticates the electronic payment with the payment account operation server 50 request.

The payment approval server 40 includes a processor 40a for processing various electronic payment approval processes according to the present invention; and a WAP support module 40b that permits a WAP connection of the buyer's mobile terminal 20 through a wireless communication network and performs WAP data processing made in the electronic payment method according to the present invention, and as a database, a payment information database 40c and A payment approval history database 40d is provided.

The processor 40a is a processing device that receives data from the electronic shopping mall server 30, transmits the data to the payment account management server 50, receives a result value, and determines whether or not to approve.

The WAP support module 40b includes a WAP protocol stack and includes a WAP gateway capable of accessing general wired Internet and wireless Internet content produced in WML, a markup language used by the WAP protocol. are doing

In the payment information database 40c, product transaction information including product information and purchase price information received when a payment approval request is received from the electronic shopping mall server 30, the purchaser's mobile terminal number, and various payment account identification codes to be described later are included and managed.

In addition, the payment approval details in which the electronic payment is approved by the payment approval server 40 are stored in the payment approval history database 40d. More specifically, various payment account identification codes, payment approved product information, electronic shopping mall merchant codes, payment approval date and time, payment approval serial number, payment approval amount, etc. are recorded and managed in the payment approval history database 40d.

The payment account management server 50 is a server that manages accounts of various payment methods used in electronic payment according to the present invention, and is linked in real time with the payment approval server 40 through a communication network to an electronic shopping mall server 30 performs the actual authentication process for the requested electronic payment. To this end, the payment account management server 50 includes a payment account database 50a in which the purchaser's payment account distinguished by the payment account identification code and the authentication code is recorded.

The payment account management server 50 receives at least payment account information from the payment approval server 40 in the process of performing electronic payment authentication according to the request of the payment approval server 40, and inquires the payment account database 50a. It is determined whether the electronic payment requested by the buyer is possible. Then, the payment account management server 50 transmits a payment authorization code or a payment rejection code to the payment approval server 40 .

As a first example, the payment account management server 50 may be a credit card company server having a credit card database as the payment account database 50a. In this case, the credit card database contains and manages a credit card identification code, credit card holder information, credit card number, credit card password, credit card validity period, credit settlement limit, and the total amount of payment accumulated so far.

In the first example, when the payment approval server 40 receives a request for electronic payment by a credit card from the purchaser, the payment account identification code consisting of a credit card number is transmitted through a wired communication network, and the payment account authentication code including the credit card password is It is collected through a wireless communication network. Then, the payment approval server 40 transmits the collected information to the credit card company server (ie, the payment account management server 50) while inquiring whether payment is possible, and finally approves the payment according to the result.

As a second example, the payment account management server 50 may be a bank server having a bank account database as the payment account database 50a. In this case, the bank account database contains and manages a bank account holder identification code, bank account holder information, bank account number, bank account password, current bank account balance, and the like. When the bank account holder applies for Internet banking or telebanking, the bank account database may further include a bank transfer password, a security card serial number, a security card code table, and the like.

In the second example, when the payment approval server 40 receives an electronic payment request using his or her bank account from the buyer, the payment account identification code consisting of the bank account number is authenticated through the wired communication network and the payment account including the account transfer password The code is collected through a wireless communication network. Then, the payment approval server 40 transmits the collected information to the bank server (ie, the payment account management server 50), and queries whether payment is possible, and finally approves the payment according to the result.

As a third example, the payment account management server 50 may be a cashback card management server having a cashback card database as the payment account database 50a. Here, the cashback card refers to an account in which the accumulated points are electronically accumulated so that a certain percentage or a certain amount of the purchase amount can be used again like cash when purchasing a product. In the cashback card database, the cashback card owner identification code, cashback card owner information, cashback card number, cashback card authentication code, cashback card current balance, etc. are specifically recorded and managed.

In the third example, when the payment approval server 40 receives an electronic payment request by a cashback card from a purchaser, a payment account identification code consisting of a cashback card number is a payment account including a cashback card authentication code through a wired communication network and The authentication code is collected through the wireless Internet. Then, the payment approval server 40 transmits the received information to the cashback card management server (payment account management server 50) and queries whether payment is possible, and finally approves the payment according to the result.

As a fourth example, the payment account management server 50 may be an electronic wallet management server having an electronic wallet database as the payment account database 50a. Here, the electronic wallet refers to an electronic payment account that can be used like cash by charging a predetermined amount in advance or accumulating available points as a prepaid or rechargeable electronic payment account. The electronic wallet database specifically records and manages an electronic wallet identification number, an electronic wallet authentication code, and the current balance of the electronic wallet (corresponding to the credit limit in the case of deferred payment).

In the fourth example, when the payment approval server 40 receives a request for electronic payment by the electronic wallet from the buyer, the payment account identification code consisting of the electronic wallet identification number is authenticated through the wired communication network, and the payment account authentication consisting of the electronic wallet authentication code The code is collected through a wireless communication network. Then, the payment approval server 40 transmits the collected information to the electronic wallet management server (payment account management server 50) and queries whether payment is possible, and finally approves the payment according to the result.

Meanwhile, in another modified example of the fourth example, the electronic wallet may be identified by the purchaser mobile terminal 20 number. In this case, the payment account identification code becomes the purchaser's mobile terminal 20 number itself. Therefore, the payment approval server 40 only needs to collect the mobile terminal 20 number as a payment account identification code through a wired communication network. At this time, the mobile terminal 20 number is a number to which a short message including a URL callback is transmitted, and at the same time is a payment account identification code that the payment account management server 50 refers to when determining whether an electronic payment is possible. do. This is different from the case in which the payment approval server 40 must simultaneously collect the mobile terminal 20 number and the payment account identification code through a wired communication network in the case of payment by another electronic payment account.

Hereinafter, an electronic payment approval method using a short message including a URL callback according to an embodiment of the present invention will be described in more detail with reference to the drawings.

2A and 2B are flowcharts of an electronic payment approval method using a short message including a URL callback according to an embodiment of the present invention, and FIG. 3 is an electronic payment approval method shown in FIGS. 2A and 2B. It is a diagram showing the action of each network constituent in accordance with the passage of time.

The electronic payment approval method according to an embodiment of the present invention will be described in detail with reference to FIGS. 2A, 2B and 3 . First, the purchaser uses the purchaser terminal 10 to access the electronic shopping mall server 30 through a communication network. Access (Step S100) Then, search the product information database 30a provided by the electronic shopping mall server 30, select a product to purchase, and request an electronic payment for the purchase price of the selected product to the electronic shopping mall server 30 do (step S110)

When there is a purchaser's request for electronic payment, the electronic shopping mall server 30 provides a payment information input web page (not shown) to input necessary matters for electronic payment to the purchaser terminal 10 (step S120).

The payment information input web page includes a field for inputting the number of the purchaser's mobile terminal 20 and the identification code of a payment account to be used for electronic payment. The payment account identification code varies depending on the type of payment account. In an embodiment of the present invention, the payment account identification code may be a credit card number, a bank account number, an electronic wallet identification number, or a cashback card number.

When the payment information input web page is provided, the purchaser requests electronic payment approval after entering necessary information. Then, the mobile terminal number and payment account identification code are transmitted to the payment approval server 40 via the electronic shopping mall server 30 (step S130). At this time, purchase target product information (name of product; product identification code, etc.) and It is preferable that the product transaction information including purchase price information and the electronic shopping mall affiliate code are also transmitted to the payment approval server (step S130).

After step S130, the payment approval server 40 interworks with a mobile carrier system (not shown) to send a short message service (SMS) including a URL callback to the mobile terminal 20 number input by the buyer. It is transmitted (step S140). In this case, it is preferable that the short message includes information indicating product purchase information including product price and product information.

When the short message is sent in step S140, the payment approval server 40 records the short message sending time and the mobile terminal 20 number to which the short message was transmitted in the payment information database 40c together with product transaction information. Preferably (step S150)

The short message includes a URL callback for accessing the WAP service of the payment approval server 40 . Therefore, the buyer checks the short message sent in step S140 on the mobile terminal 20 and presses the call button to access the WAP service of the payment approval server 40 through the wireless communication network (step S160)

When the buyer accesses the WAP service of the payment approval server 40 in step S160, the payment approval server 40 matches the number of the mobile terminal 20 connected to the WAP service with the number of the mobile terminal 20 to which the text message is transmitted It is determined whether (step S170) at this time, the payment approval server 40 refers to the text message transmission details recorded in the payment information database 40c.

If, as a result of the determination in step S170, the mobile terminal 20 numbers do not match each other (No in step S170), the payment approval server 40 transmits the payment approval rejection code to the electronic shopping mall server 30 (Step S180) Preferably, the purchaser's mobile terminal 20 is also notified that the payment approval has been rejected (Step S190)

As a result of the determination in step S170, if the mobile terminal 20 numbers match each other ('Yes' in step S170), the payment approval server 40 enters an authentication code for inputting the authentication code of the payment account in which the electronic payment is to be made. The WAP page is provided to the buyer's mobile terminal 20 through the wireless communication network (step S200). Then, the payment approval server 40 excluding the electronic shopping mall server 30 from the intervention of the authentication code input WAP page The payment account authentication code is received directly from the purchaser by using (step S210). In this case, it is natural that the purchaser will input the payment account authentication code using the keypad of the mobile terminal 20 .

The payment account verification code varies depending on the type of electronic payment account selected by the purchaser.

For example, when the purchaser requests electronic payment by credit card, the payment account authentication code becomes a credit card password. However, the payment account verification code may further include a credit card validity period and a credit card holder resident registration number.

As another example, when the purchaser requests electronic payment by bank account transfer, the payment account authentication code becomes the account transfer password.

However, the payment account authentication code may further include an account password and a security code number of the security card.

As another example, when a purchaser requests an electronic payment with an electronic wallet, the payment account authentication code becomes an electronic wallet authentication code.

As another example, when a purchaser requests an electronic payment with a cashback card, the payment account authentication code becomes a cashback card authentication code.

When the payment account authentication code is collected from the buyer mobile terminal 20 in step S210, the payment approval server 40 collects the payment account identification code and the payment account authentication code collected through the wired communication network via the electronic shopping mall server 30 is transmitted to the payment account management server 50 and inquires about whether payment is possible (step S220). Here, it goes without saying that the type of the payment account management server 50 for which payment is possible is queried in step S220 depends on the electronic payment method selected by the purchaser.

If payment is possible in step S220, the corresponding payment account management server 50 determines whether payment is possible by inquiring the payment account database 50a (step S230)

For example, when the payment account management server 50 is a credit card company server, the payment account management server 50 receives the payment account identification code (credit card number) and the payment account authentication code ( Check the credit card database using at least the credit card password) to ensure that a credit card has been issued, the credit card password matches, and that the sum of the product purchase price and the total amount of payments accumulated to date does not exceed the payment limit. check that it is not

As another example, when the payment account management server 50 is a bank server, the payment account management server 50 receives the payment account identification code (bank account number) and the payment account authentication code (at least) transmitted from the payment approval server 40 . By searching the bank account database using the account transfer password), it is checked whether a bank account exists, whether the account transfer password matches, and whether the product purchase price can be paid with the current account balance.

As another example, when the payment account operating server 50 is an electronic wallet operating server, the payment account operating server 50 provides a payment account identification code (electronic wallet identification number) and a payment account verification code (at least an electronic wallet verification code). ) to check whether an electronic wallet exists, whether the electronic wallet authentication code matches, and whether the product purchase price can be paid with the current electronic wallet balance by searching the electronic wallet database.

As another example, when the payment account operating server 50 is a cashback card operating server, the payment account operating server 50 provides a payment account identification code (cashback card number) and a payment account verification code (cashback card verification code). By querying the cashback card database using the cashback card, it is checked whether the cashback card exists, whether the cashback card authentication code matches, and whether payment of the product purchase price is possible with the current cashback card balance.

As described above, when the payment account management server 50 inquires the payment account database 50a and it is determined that the payment of the product purchase price is not possible (No in step S230), the payment rejection code is sent to the payment approval server ( 40) (step S240), in this case, it is preferable that the payment approval server 40 transmits the approval rejection code to the electronic shopping mall server 30 (step S250). It is good to inform (step S260)

Conversely, if the payment account management server 50 inquires the database and determines that payment of the product purchase price is possible (Yes in step S230), transmits the payment authorization code to the payment approval server (step S270)

When the payment approval server 40 receives the payment authorization code from the payment account management server 50 (step S270), the payment approval server 40 finally performs the electronic payment requested from the buyer via the electronic shopping mall server 30 and transmits the payment approval code to the payment account management server 50 (step S280)

After the payment is finally approved as above, the payment approval server 40 is a payment account identification code, payment approved purchase price, payment approved product information, electronic shopping mall merchant code, Record payment approval date and time (step S290)

In addition, the payment approval server 40 transmits the payment approval code to the electronic shopping mall server 30 when the payment is approved (step S300). In this case, the electronic shopping mall server 30 receives the approved purchase price, The product information and the payment approval date and time are recorded in the sales information database 30b (step S310).

According to an embodiment of the present invention described above, only the payment account identification code is input through the wired communication network, and the payment account authentication code, which requires the most security, is the payment approval server 40 through a wireless communication network that is safer than the wired communication network. Since is directly input, it is possible to solve various problems that occur in the conventional electronic payment method. In addition, the payment is made very conveniently because the payment is made through a URL callback.

4A and 4B are flowcharts of an electronic payment approval method using a short message including a URL callback according to another embodiment of the present invention, and FIG. 5 is an electronic payment approval method shown in FIGS. 4A and 4B. It is a diagram showing the action of each network constituent in accordance with the passage of time. Another embodiment of the present invention relates to a case in which the payment account used for electronic payment is an electronic wallet identified by the number of the mobile terminal 20 .

When the electronic payment approval method according to another embodiment of the present invention is specifically described with reference to FIGS. 4A, 4B and 5 , first, the purchaser uses the purchaser terminal 10 to access the electronic shopping mall server 30 through the communication network. Access (step S500), then, search the product information database 30a provided by the electronic shopping mall server 30, select a predetermined product, and send electronic payment for the purchase price of the selected product to the electronic shopping mall server 30 request (step S510)

If there is an electronic payment request in step S510, the electronic shopping mall server 30 provides a payment information input web page (not shown) in which information required for electronic payment can be inputted to the purchaser terminal 10 (step S520). In another embodiment of the present invention, since the electronic wallet whose number itself is a payment account identification code is used as a payment account, the payment information input web page is different from the above-described embodiment of the present invention in the mobile terminal 20. ) has a field to input only the number of

When the payment information input web page is provided, the purchaser inputs the mobile terminal 20 number and requests approval of the electronic payment. Then, the mobile terminal 20 number input by the buyer is transmitted to the payment approval server 40 via the electronic shopping mall server 30 (step S530). At this time, product transaction information including purchase target product information and purchase price information and the electronic shopping mall affiliated store code is also preferably transmitted to the payment approval server 40 (step S530)

After the payment approval server 40 receives the information required for electronic payment approval in step S530, it interworks with the mobile communication operator system (not shown) to the mobile terminal 20 number entered by the purchaser including a URL callback A short message (SMS: Short Message Service) is transmitted (step S540). In this case, it is preferable that the short message includes information of product purchase price and product information.

After step S540, it is preferable that the payment approval server 40 records the short message sending time and the mobile terminal 20 to which the short message was sent in the payment information database 40c together with product transaction information (step S550)

When the short message is transmitted, the buyer accesses the WAP service of the payment approval server 40 using the URL callback included in the short message (step S560). 40) determines whether the number of the mobile terminal 20 connected to the WAP matches the number of the mobile terminal 20 input by the buyer on the payment information input web page as described above (step S570). If the mobile terminal 20 If the numbers do not match (No in step S570), the payment approval server 40 transmits a payment approval rejection code to the electronic shopping mall server 30 (step S580). Preferably, the purchaser reports that the payment approval has been rejected also informs the mobile terminal 20 of (step S590)

If it is determined in step S570 that the numbers of the mobile terminal 20 match each other ('Yes' in step S570), an authentication code input WAP page for entering the electronic wallet authentication code is provided to the purchaser's mobile terminal 20 (Step S600) After that, the electronic wallet authentication code is received from the purchaser through the authentication code input WAP page (Step S610)

When the electronic wallet authentication code is input in step S610, the payment approval server 40 transmits this password and the mobile terminal number to the electronic wallet operation server 50 and inquires whether payment is possible (step S620). At this time, purchase price information It is also desirable to transmit it together (step S620)

After step S620, the electronic wallet operation server 50 determines whether there is an electronic wallet identified by the mobile terminal 20 number by inquiring the electronic wallet database using the mobile terminal 20 number and the electronic wallet authentication code. It is determined whether the authentication code matches or whether the product purchase price can be paid with the remaining electronic wallet balance (step S640)

As a result, if it is determined that the electronic payment is not possible (No in step S630), the electronic wallet operation server 50 transmits the payment rejection code to the payment approval server 40 through the communication network (step S640) In this case , it is preferable that the payment approval server 40 transmits the approval rejection code to the electronic shopping mall server 30 (step S650), and it is also preferable to notify the purchaser's mobile terminal 20 that the approval has been rejected (step S660)

Conversely, if it is determined that the electronic payment is possible ('Yes' in step S630), the electronic wallet operation server 50 transmits the payment authorization code to the payment approval server 40 through the communication network (step S670)

When the payment approval server 40 receives the payment authorization code from the electronic wallet operation server 50 (step S670), the payment approval server 40 finally performs the electronic payment requested from the buyer via the electronic shopping mall server 30 and transmits the payment approval code to the electronic wallet operation server (step S680). Then, the payment approval server 40 includes the mobile terminal number for which payment is approved in the payment approval history database 40d, the payment approved purchase price, Records payment approved product information, electronic shopping mall merchant code, payment approval date and time, etc. (step S690)

In addition, the payment approval server 40 also transmits the payment approval code to the electronic shopping mall server 30 (step S700). In this case, the electronic shopping mall server 30 provides the payment approved purchase price, payment approved product information, and payment approval. The date and time are recorded in the sales information database 30b (step S710).

According to another embodiment of the present invention described above, since the electronic payment is performed with the electronic wallet identified by the mobile terminal number, there is no need to input a separate payment account identification code, and the payment account authentication code ( Since the electronic wallet authentication code) is directly input by the payment approval server 40 through a wireless communication network instead of through the electronic shopping mall server 30, various problems occurring in the conventional electronic payment method can be solved. In addition, since the payment is made using a URL callback, the buyer can conveniently perform electronic payment.

As described above, although the present invention has been described with reference to limited embodiments and drawings, the present invention is not limited thereto, and the technical idea of the present invention and the following by those skilled in the art to which the present invention pertains. Of course, various modifications and variations are possible within the scope of equivalents of the claims to be described.

Claims (15)

In the method of the payment account operation server operating the payment account database and the payment approval server that is connected through the communication network with the electronic shopping mall server and supports the WAP service to approve the electronic payment in the electronic shopping mall using the purchaser's mobile terminal in,
(a) receiving, from a purchaser terminal connected to an electronic shopping mall server, product transaction information including purchase target product information and purchase price information, and the purchaser's mobile terminal number and payment account identification code through a communication network;
(b) transmitting a short message including a URL callback linking the WAP connection of the payment approval server to the purchaser's mobile terminal;
(c) If there is a WAP connection of the buyer's mobile terminal using the UR callback, a payment account authentication code from the buyer's mobile terminal on condition that the mobile terminal number transmitted during the WAP connection and the mobile terminal number input through the electronic shopping mall server match receiving input;
(d) transmitting at least the payment account identification code and authentication code to the payment account management server, querying whether payment is possible by the payment account and waiting for a response; and
(e) when the payment account management server transmits a payment authorization code as a result of querying the payment account database using the payment account identification code and authentication code, receiving it and authorizing the electronic payment; Including url callback to
Electronic payment approval method using a short message to A payment account management server operating a payment account database that can be identified by a mobile terminal number and a payment approval server that is connected through a communication network with the electronic shopping mall server and supports WAP service performs electronic payments in the electronic shopping mall through the purchaser’s mobile terminal In the method of approval using
(a) receiving, from a purchaser terminal connected to an electronic shopping mall server, product transaction information including purchase target product information and purchase price information, and the purchaser's mobile terminal number through a communication network;
(b) transmitting a short message including a URL callback linking the WAP connection of the payment approval server to the purchaser's mobile terminal;
(c) If there is a WAP connection of the buyer's mobile terminal using the UR callback, a payment account authentication code from the buyer's mobile terminal on condition that the mobile terminal number transmitted during the WAP connection and the mobile terminal number input through the electronic shopping mall server match receiving input;
(d) transmitting at least the mobile terminal number and the payment account authentication code to the payment account management server, querying whether payment is possible by the electronic payment account identified by the mobile terminal number and waiting for a response; and
(e) when the payment account management server transmits a payment authorization code as a result of querying the payment account database with the mobile terminal number and payment account authentication code, receiving it and authorizing the electronic payment; Electronic payment approval method using a short message including a UR callback to 3. The method of claim 1 or 2,
The payment account database contains the current balance of the buyer's payment account,
In step (d), the purchase price information is further transmitted to the payment account management server,
The transmission of the payment authorization code in step (e) is,
An electronic payment approval method using a short message including a URL callback, characterized in that the purchase amount is within the current balance as a result of the payment account management server querying the payment account database. 3. The method of claim 1 or 2,
The payment account database contains the payment limit of the buyer's payment account and the total amount of payment accumulated so far,
In step (d), the purchase price information is further transmitted to the payment account management server,
The transmission of the payment authorization code in step (e) is,
As a result of the payment account management server querying the payment account database, the electronic payment approval using a short message including a URL callback, characterized in that the sum of the accumulated payment amount and the purchase amount is within the payment limit as an additional condition Way. The method of claim 1,
The payment account management server is a credit card company server,
The payment account identification code is a credit card number,
The electronic payment approval method using a short message including a URL callback, characterized in that the payment account authentication code includes a credit card password. 6. The method of claim 5,
In the step (a), the merchant code of the electronic shopping mall is further input from the purchaser terminal,
After step (e),
Short message including UR callback, characterized in that it further comprises the step of recording the payment approval credit card number, payment approved purchase price, payment approved product information, electronic shopping mall merchant code, and payment approval date and time in the payment approval history database Electronic payment approval method using message. The method of claim 1,
The payment account management server is a bank server,
The payment account identification code is a bank account number,
The payment account authentication code is an electronic payment approval method using a short message including a URL callback, characterized in that it includes an account transfer password. 8. The method of claim 7,
In the step (a), the merchant code of the electronic shopping mall is further input from the purchaser terminal,
After step (e),
Short message including UR callback, characterized in that it further comprises the step of recording the payment approval bank account number, payment approved purchase price, payment approved product information, electronic shopping mall merchant code, and payment approval date and time in the payment approval history database Electronic payment approval method using message. The method of claim 1,
The payment account operation server is an electronic wallet operation server,
The payment account identification code is an electronic wallet identification number,
The electronic payment approval method using a short message including a URL callback, characterized in that the payment account authentication code includes an electronic wallet authentication code. 10. The method of claim 9,
In the step (a), the merchant code of the electronic shopping mall is further input from the purchaser terminal,
After step (e),
Electronic using a short message including a URL callback, characterized in that it further comprises the step of recording the payment approval electronic wallet identification number, the payment approved purchase price, the merchant code of the electronic shopping mall, and the payment approval date and time in the payment approval history database Payment authorization method. The method of claim 1,
The payment account operating server is a cashback card operating server,
The payment account identification code is a cashback card number,
The payment account authentication code is an electronic payment approval method using a short message including a URL callback, characterized in that it includes a cashback card authentication code. 12. The method of claim 11,
In the step (a), the merchant code of the electronic shopping mall is further input from the purchaser terminal,
After step (e),
A short message including a URL callback, characterized in that it further comprises the step of recording the payment approval cashback card number, the payment approved purchase price, the purchase approved product information, the electronic shopping mall merchant code, and the payment approval date and time in the payment approval history database Electronic payment approval method using message. 3. The method according to claim 1 or 2,
After step (e),
transmitting the payment approval code to the electronic shopping mall server; and
The electronic shopping mall server further comprising the step of recording the approved purchase price, payment approved product information, and payment approval date and time in a sales information database on condition of receipt of the payment approval code. Electronic payment approval method using short message. After receiving the electronic payment request from the purchaser terminal connected to the electronic shopping mall server, it approves the electronic payment in conjunction with the payment account management server that operates the payment account database, and approves the electronic payment including the payment approval server that supports the WAP service In the system,
The payment approval server,
After receiving the product transaction information, the buyer's mobile terminal number, and the payment account identification code from the buyer's terminal, sending a short message including a URL callback linking the WAP connection of the payment approval server to the buyer's mobile terminal;
If there is a WAP connection of the buyer's mobile terminal using the UR callback, the payment account authentication code is input from the buyer's mobile terminal on condition that the mobile terminal number transmitted during the WAP connection and the mobile terminal number input through the electronic shopping mall server match ;
While transmitting payment account authentication information including at least a payment account identification code and an authentication code to the payment account business server, inquire about whether payment is possible for the product purchase price and wait,
When the payment account management server transmits a payment authorization code as a result of querying the payment account database with the payment account identification code and payment account authentication code, it receives and approves the electronic payment. Electronic payment system using messages. After receiving the electronic payment request from the purchaser terminal connected to the electronic shopping mall server, it is linked with the payment account management server that operates the payment account database that can be identified by the mobile terminal number to approve the electronic payment and a payment approval server that supports the WAP service In the electronic payment approval system comprising a,
The payment approval server,
after receiving the product transaction information and the buyer's mobile terminal number from the buyer's terminal, transmitting a short message including a URL callback linking the WAP connection of the payment approval server to the buyer's mobile terminal;
If there is a WAP connection of the buyer's mobile terminal using the URL callback, the payment account authentication code is input from the buyer's mobile terminal on condition that the mobile terminal number transmitted during the WAP connection and the mobile terminal number input through the electronic shopping mall match ;
While transmitting payment account authentication information including at least a mobile terminal number and a payment account authentication code to the payment account business server, querying whether payment for the product purchase price is possible and waiting,
When the payment account operator server transmits a payment authorization code as a result of querying the payment account database with the payment account identification code and payment account authentication code, it receives and approves the electronic payment. Electronic payment system using messages.

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