WO2003014995A1 - Accounting method by authentication of mobile telecommunication company - Google Patents

Accounting method by authentication of mobile telecommunication company Download PDF

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Publication number
WO2003014995A1
WO2003014995A1 PCT/KR2002/001503 KR0201503W WO03014995A1 WO 2003014995 A1 WO2003014995 A1 WO 2003014995A1 KR 0201503 W KR0201503 W KR 0201503W WO 03014995 A1 WO03014995 A1 WO 03014995A1
Authority
WO
WIPO (PCT)
Prior art keywords
purchaser
goods
mobile communication
communication company
authentication
Prior art date
Application number
PCT/KR2002/001503
Other languages
French (fr)
Inventor
Sung-Woo Lee
Ju-Mi Hong
Original Assignee
Wedison Technologies, Inc.
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Wedison Technologies, Inc. filed Critical Wedison Technologies, Inc.
Publication of WO2003014995A1 publication Critical patent/WO2003014995A1/en

Links

Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/04—Billing or invoicing
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M15/00—Arrangements for metering, time-control or time indication ; Metering, charging or billing arrangements for voice wireline or wireless communications, e.g. VoIP
    • H04M15/48—Secure or trusted billing, e.g. trusted elements or encryption
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M15/00—Arrangements for metering, time-control or time indication ; Metering, charging or billing arrangements for voice wireline or wireless communications, e.g. VoIP
    • H04M15/68—Payment of value-added services
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M17/00—Prepayment of wireline communication systems, wireless communication systems or telephone systems
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M2215/00—Metering arrangements; Time controlling arrangements; Time indicating arrangements
    • H04M2215/01—Details of billing arrangements
    • H04M2215/0156—Secure and trusted billing, e.g. trusted elements, encryption, digital signature, codes or double check mechanisms to secure billing calculation and information
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M2215/00—Metering arrangements; Time controlling arrangements; Time indicating arrangements
    • H04M2215/01—Details of billing arrangements
    • H04M2215/0196—Payment of value-added services, mainly when their charges are added on the telephone bill, e.g. payment of non-telecom services, e-commerce, on-line banking

Definitions

  • This invention relates to an accounting method by
  • a cash register is used in most stores such as a department store or a super market store, etc. , in order to
  • the POS system includes a personal computer or its own exclusive
  • said method being characterized by comprising the steps of: (a) transmitting a mobile telephone
  • step (c) when the password inputted in step (c) and a
  • said goods/service provider may be a cash register and said
  • goods/service provider can be constructed so as to read the mobile
  • FIG. 1 is a block diagram for a network configuration of a
  • Fig. 2 is a flowchart for explaining a method of making
  • Fig. 1 is a block diagram for a network configuration of a
  • transaction server (400) may also be connected to a bank server
  • the cash register (100) comprises, as basic function means,
  • a key input means (120) for inputting several functions such as an
  • an LCD means (130) for indicating an
  • the cash register (100) further comprises
  • the transaction server (400) is linked to a member DB (410)
  • the mobile communication device (300) comprises a
  • bar code generator (350) for generating a bar code corresponding
  • the device controller (310) reads the telephone
  • the device controller (310) transfers to the device controller (310).
  • controller (310) has the LCD means (330) display the bar code.
  • a bar code can be attached to a case of the
  • the bar code generator (350) is not required.
  • Fig. 2 is a flowchart for explaining a method of making
  • the cash register (100) have to affiliate with, and establish
  • the transaction server (400) in advance.
  • cash register (100) calculates a price of the goods, and receives
  • step S30 the
  • transaction server (400) transfers the mobile telephone number of
  • step S60 the mobile communication company (200) transmits information
  • step S80 At this state, the side of the cash register (100)
  • the transaction server (400) transfers the goods
  • the transaction server In the above-described construction, the transaction server
  • step S70 are not coincided in step S70, and the refused fact is reported to
  • the transaction server (400) reports an
  • the invention is not limited to the above-mentioned
  • the mobile telephone number of the purchaser can be any mobile telephone number of the purchaser.
  • key input means a bar code scan means, an IR communication means,
  • an Rf communication means such as a general PC, an ATM, an

Abstract

Disclosed is a method of making payment in which payment of purchasers who possess their mobile phones is made by using a mobile communication company as authentication agencies of the purchasers. The method is characterized by comprising the steps of: (a) transmitting a mobile telephone number of the purchaser and information on a goods/service price which the purchaser selects to the transaction server from the goods/service provider and requesting payment for the goods/service; (b) transmitting the mobile telephone number of the purchaser to the mobile communication company and requesting an authentication; (c) calling the mobile telephone number in the mobile communication company and having the purchaser input his own password; (d) transmitting information on approval of the purchaser authentication to the transaction server from the mobile communication company when the password inputted in step (c) and a pre-registered password are coincided with each other; and (e) transferring the goods/service price from the purchaser's account to the account of the goods/service provider by the transaction server.

Description

ACCOUNTING METHOD BY AUTHENTICATION OF MOBILE
TELECOMMUNICATION COMPANY
Technical Field
This invention relates to an accounting method by
authentication of mobile telecommunication, and specifically, a
method of making payment in which payment of purchasers who
possess their mobile phones is made by using a mobile
communication company as authentication agencies of the
purchasers.
Background Art
Nowadays, along with rapid progress of computer and
communication technology, the Internet, which is the limitless and
open sea of information, has been propagated to all workplaces and
even homes. And with Internet bookseller companies like
Amazon. com heading the way, the Internet is used for business
transactions and bill payment. Also, devices like mobile phones
and PDA's become more and more commonplace and are used in many
areas.
Meanwhile, a cash register is used in most stores such as a department store or a super market store, etc. , in order to
automatically execute a total amount of a sale or a balance,
receipt issue, etc. Particularly in point of sales (POS), a stock
is controlled just at a time on reading a bar code attached to
goods, and a series of necessary measures relating to a sale such
as a credit inquiry, etc. , all are executed at once, and therefore
the POS system is used at most sizable stores. For this reason,
the POS system includes a personal computer or its own exclusive
cash register, along with an optic scanner for reading bar codes,
a credit card reader for processing a credit card, etc. , which may
further be connected to a separate central computer on line for a
credit inquiry, a stock control, etc. Hereinafter, all cash
registers of any kind that are handled by an exclusive and/or
general computer regardless of its high/low class in speed will be
simply referred to as "cash register".
However, in case of using cash or a credit card, there is a
danger of robbery or loss, and in case of using a credit card, a
considerable commission on each transaction is required during a
card settlement process, and thus it is difficult to use a credit
card settlement service as for a small price of goods. Disclosure of Invention
Accordingly, the present invention is made in order to
solve the above problems, and one object of the present invention
is to provide a method of making payment using a mobile
communication company as an authentication agency, in which
payment between purchasers who possess their mobile phones and
goods/service providers is automatically made by using a mobile
communication company, which the purchasers is affiliated with, as
authentication agency.
To accomplish the object of this invention, a method of
making payment using a mobile communication company as an
authentication agency is provided in accordance with one
embodiment of the invention, which is executed in a system wherein
a mobile communication device of a purchaser and a mobile
communication company are connected to each other via a wireless
communication network, and a goods/service provider, a transaction
server for settlement, which accounts for the goods/service
provider and the purchaser as members are established in, and the
mobile communication company are connected to each other via a
wired communication network, said method being characterized by comprising the steps of: (a) transmitting a mobile telephone
number of the purchaser and information on a goods/service price
which the purchaser selects to the transaction server from the
goods/service provider and requesting payment for the
goods/service; (b) transmitting the mobile telephone number of the
purchaser to the mobile communication company and requesting an
authentication; (c) calling the mobile telephone number in the
mobile communication company and having the purchaser input his
own password; (d) transmitting information on approval of the
purchaser authentication to the transaction server from the mobile
communication company when the password inputted in step (c) and a
pre-registered password are coincided with each other; and (e)
transferring the goods/service price from the purchaser's account
to the account of the goods/service provider by the transaction
server.
In the above-mentioned construction, it is preferred that
said goods/service provider may be a cash register and said
goods/service provider can be constructed so as to read the mobile
telephone number in a bar code type.
Brief Description of Drawings Fig. 1 is a block diagram for a network configuration of a
system of making payment using a mobile communication company as
an authentication agency according to one embodiment of the
present invention.
Fig. 2 is a flowchart for explaining a method of making
payment using a mobile communication company as an authentication
agency according to one embodiment of the present invention.
Best Mode for Carrying out the Invention
Now, a method of making payment using a mobile communication
company as an authentication agency according to a preferred
embodiment of the present invention will be described in detail
with reference to the accompanying drawings.
Fig. 1 is a block diagram for a network configuration of a
system of making payment using a mobile communication company as
an authentication agency according to one embodiment of the
present invention. In accordance with the network configuration of
a system of making payment using a mobile communication company as
an authentication agency as illustrated in Fig. 1, a transaction
server (400) for settlement of a goods/service price, an exchange
server (220) of the mobile communication company (200) and a cash register (100) are connected to each other via a data
communication network such as the Internet for example, and said
transaction server (400) may also be connected to a bank server
(500) via the Internet or an exclusive line. Furthermore, an
exchange department (210) of the mobile communication company
(200) and a mobile communication device (300) are connected to
each other via a wireless communication network.
To explain such a construction more specifically, the
mobile communication company (200) comprises the exchange
department (210) for executing a wireless communication with the
mobile communication device (300), an exchange server (220) for
executing a data communication with the transaction server (400)
via the Internet, and a telephone number DB (230) and a password
DB (232) for storing telephone numbers and passwords of
subscribers.
The cash register (100) comprises, as basic function means,
a key input means (120) for inputting several functions such as an
input of the telephone number, selection of a credit transaction
function of the present invention, etc. , a bar code scanner (110)
for reading a bar code attached to the goods or a case surface of the mobile communication device (300) of the purchaser, or
indicated on the LCD means, an LCD means (130) for indicating an
acting state of the cash register (100), and a central control
means (140) for controlling overall operations of the cash
register (100). Besides, the cash register (100) further comprises
a transmission controller (140) for executing a data communication
via the Internet.
The transaction server (400) is linked to a member DB (410)
for storing various kinds of information about mobile telephone
numbers, etc. , of the purchasers who are members and owners of
stores who are members, and an account DB (412) for storing
information relating to accounts of the members.
The mobile communication device (300) comprises a
phone-number storage means (320) for storing at least his own
telephone number, a wireless transmitter (360) for communicating
with the exchange department (210), a function selector (340) for
allowing a user to select various functions such as a telephone
number input, a bar code output, etc. , an LCD means (130) for
indicating an acting state of the mobile communication device
(300) or a bar code corresponding to the telephone number, a device controller (310) for controlling overall operations, and a
bar code generator (350) for generating a bar code corresponding
to the telephone number in accordance to control of the device
controller (310).
In the above-described construction, when the purchaser
selects a bar code output function by operating the function
selector (340), the device controller (310) reads the telephone
number stored in the phone-number storage means (320) and
transmits the telephone number to the bar code generator (350),
which generates a bar code corresponding to the telephone number
and transfers to the device controller (310). The device
controller (310) has the LCD means (330) display the bar code.
Meanwhile, a bar code can be attached to a case of the
mobile communication device (300) in a sheet shape. In this case,
the bar code generator (350) is not required.
A method of making payment using a mobile communication
company as an authentication agency in accordance with the present
invention is described hereinafter.
Fig. 2 is a flowchart for explaining a method of making
payment using a mobile communication company as an authentication agency according to one embodiment of the present invention, in
which a solid lines represent a wired communication, dotted lines
represent a wireless communication, and the steps in the upper
part in the flowchart precede the steps in the relatively lower
part. In the method of making payment using a mobile communication
company as an authentication agency according to one embodiment of
the present invention as shown in Fig. 2, the purchaser and the
cash register (100) have to subscribe for, and have been assigned
their own individual telephone numbers through, the mobile
communication company (200) in advance, and also, have to register
a password or an authorization code for execution of functions in
the mobile communication company (200). Further, the purchaser and
the cash register (100) have to affiliate with, and establish
their own accounts in, the transaction server (400) in advance.
At this state, the cash register (100) executes step S10,
in which, when the purchaser selects a credit transaction function
using the mobile communication device (300) and desired goods, the
cash register (100) calculates a price of the goods, and receives
the purchaser's input of his mobile telephone number. The
purchaser's input of the telephone number can also be executed for
_ g _ example by outputting his mobile telephone number in a bar code
shape by means of the LCD means (330) of his mobile communication
device (300) and allowing the cash register (100) to read the bar
code on the LCD means (330) and to store it with the goods price.
Then, the cash register (100) executes step S20 of
transmitting the mobile telephone number of the purchaser and
information on the goods price to the transaction server (400),
and then requesting a purchaser authentication. In step S30, the
transaction server (400), which has received such request,
determines whether reserved money in the account of the purchaser
who is a member remains sufficiently to pay for the goods.
Thus, in case that the balance is sufficient, the
transaction server (400) transfers the mobile telephone number of
the purchaser and requests an authentication in step S40. Then,
the mobile communication company (200) to have received such
request calls the transferred mobile telephone number by means of
ARS, SMS, etc. , and instructs the purchaser to input his own
password in step S50.
Next, when the purchaser inputs and transmits a password by
means of ARS, SMS, etc. , in response to such instructions(step S60), the mobile communication company (200) transmits information
on approval of the purchaser authentication to the transaction
server (400) (step S70). Subsequently, the transaction server (400)
reports the approval of the transaction to the cash register (100)
in step S80. At this state, the side of the cash register (100)
transfers the goods to the purchaser and executes a credit
transaction process(step S90) and also reports the transaction
completion to the transaction server (400) in step S100.
Meanwhile, the transaction server (400) transfers the goods
price from the purchaser's account to the account of the owner of
the cash register (100), and at the same time, reports the
transfer of money to the cash register (100) (step S112) and also
to the mobile communication device (300) via the mobile
communication company (200) by means of ARS, SMS, etc. , in steps
S120 and S130.
In the above-described construction, the transaction server
(400) refuses an impossibility of the transaction to the cash
register (100) when the balance in the purchaser's account is not
sufficient to pay for the goods. And, the mobile communication
company (200) refuses the audentication when the password inputted by the purchaser and the pre-registered password of the subscriber
are not coincided in step S70, and the refused fact is reported to
the transaction server (400), which report the fact to the cash
register (100). Of course, even in case that the owner of the cash
register (100) or the purchaser is not a member of the transaction
server (400), the transaction server (400) reports an
impossibility of the account transfer.
The invention is not limited to the above-mentioned
embodiments, but rather various changes or modifications thereof
are possible without departing from the spirit of the invention.
For example, the description is explained for, but not limited to,
the step of inputting the mobile telephone number as a bar code.
However, the mobile telephone number of the purchaser can be
inputted using a key input means, an IR communication means, an RF
communication means, etc. , instead of the bar code. Also, the
present invention is explained for, but not limited to, the cash
register, which can also be applied to other apparatus having a
key input means, a bar code scan means, an IR communication means,
an Rf communication means, etc. , such as a general PC, an ATM, an
automatic selling machine, a ticket selling maching, etc. According to the configuration and acting of the method of making
payment using a mobile communication company as an authentication agency
in accordance with the embodiments of the present invention described
above, a payment method will be diversifed by executing an authentication
using mobile communication devices carried with most modern people,
thereby having an effect of increasing security and promotion of
transactions.

Claims

Claims
1. A method of making payment using a mobile communication
company as an authentication agency, which is executed in a system
wherein a mobile communication device of a purchaser and a mobile
communication company are connected to each other via a wireless
communication network, and a goods/service provider, a transaction
server for settlement, which accounts for the goods/service
provider and the purchaser as members are established in, and the
mobile communication company are connected to each other via a
wired communication network, said method being characterized by
comprising the steps of:
(a) transmitting a mobile telephone number of the purchaser
and information on a price of goods or a service which the
purchaser selects to the transaction server from the goods/service
provider and requesting payment for the goods/service;
(b) transmitting the mobile telephone number of the
purchaser to the mobile communication company and requesting an
authentication;
(c) calling the mobile telephone number in the mobile
communication company and having the purchaser input his own password;
(d) transmitting information on approval of the purchaser
authentication to the transaction server from the mobile
communication company when the password inputted in step (c) and a
pre-registered password are coincided with each other; and
(e) transferring the goods/service price from the
purchaser's account to the account of the goods/service provider
by the transaction server.
2. A method of making payment using a mobile communication
company as an authentication agency according to claim 1, said
method being characterized in that said goods/service provider is
a cash register.
3. A method of making payment using a mobile communication
company as an authentication agency according to claim 2, said
method being characterized in that said goods/service provider is
constructed so as to read the mobile telephone number in a bar
code type.
PCT/KR2002/001503 2001-08-07 2002-08-07 Accounting method by authentication of mobile telecommunication company WO2003014995A1 (en)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
KR1020010047402A KR100679352B1 (en) 2001-08-07 2001-08-07 Accounting method by authentication of mobile telecommunication company
KR2001/47402 2001-08-07

Publications (1)

Publication Number Publication Date
WO2003014995A1 true WO2003014995A1 (en) 2003-02-20

Family

ID=19712924

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/KR2002/001503 WO2003014995A1 (en) 2001-08-07 2002-08-07 Accounting method by authentication of mobile telecommunication company

Country Status (2)

Country Link
KR (1) KR100679352B1 (en)
WO (1) WO2003014995A1 (en)

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GB2399209A (en) * 2003-03-06 2004-09-08 Fortunatus Holdings Ltd Secure transaction system
WO2005043435A1 (en) * 2003-11-04 2005-05-12 Telenor Asa A method for purchasing of one or more offered items and/or services on an e-commerce site
WO2009066265A1 (en) * 2007-11-22 2009-05-28 Hans Georg Wilhelm Du Plessis Cell phone based method and system for initiating and/or controlling a process
ITTO20110861A1 (en) * 2011-09-28 2013-03-29 Movincom Servizi S P A PROCEDURE FOR MANAGING PAYMENTS BETWEEN A PLURALITY OF EXHIBITORS AND A PLURALITY OF USERS, ITS RELATED SYSTEM FOR MANAGING PAYMENTS AND IT PRODUCTS

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KR20040000279A (en) * 2002-06-24 2004-01-03 이영민 Credit card settling method using wireless communications
KR100702867B1 (en) * 2004-02-14 2007-04-03 주식회사 더존다스 Small-amount settlement method and system using mobile phone
KR100827985B1 (en) * 2006-09-18 2008-05-08 에스케이씨앤씨 주식회사 Electronic settlement method using avata in the electronic commerce system
KR101218685B1 (en) 2010-10-26 2013-01-22 주식회사 인터페이 Payment method and system of two-way media device

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Also Published As

Publication number Publication date
KR20010081138A (en) 2001-08-29
KR100679352B1 (en) 2007-02-05

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