WO2010002088A1

WO2010002088A1 - System and method for electronic payment through mobile terminal

Info

Publication number: WO2010002088A1
Application number: PCT/KR2009/000491
Authority: WO
Inventors: 황진우; 이선구; 박진우
Original assignee: 주식회사 티모넷
Priority date: 2008-07-01
Filing date: 2009-02-02
Publication date: 2010-01-07
Also published as: KR20100003400A

Abstract

The present invention relates to a system and a method for electronic payment through a mobile terminal. The invention has a special purpose to provide the system and the method that allow an electronic payment unit to settle the payment resulting from the provision of contents or services when receiving the goods or services by assessing an online member shop through a user computer. The system and the method according to the invention settle the payment for the contents or services provided from the online member shop using a mobile terminal that includes the electronic payment unit. Thereby, the system and the method can be utilized as an online payment means instead of offline payment which was exclusively allowed at a previous time.

Description

Electronic payment amount payment system and method through mobile terminal

The present invention relates to an electronic payment amount payment system and a method thereof, and more particularly, in the case where a user wants to receive content or a service by accessing an online affiliate store through a user computer, the electronic payment means is settled accordingly. The present invention relates to an electronic payment amount payment system and a method performed through a mobile terminal.

Electronic commerce, which has emerged due to the rapid development of information and communication technology, has created a demand for payment means by a new method that improves the inconvenience of existing currency or payment method. Accordingly, the concept of electronic payment means, e-money It was.

As is well known, electronic money is an advanced payment method in the electronic payment method that replaces existing money and credit card payment with the Internet in electronic commerce, and refers to replacing the role of money with only one electronic chip. This is one of the element technologies for electronic commerce along with electronic authentication, information security, encryption, and the like, and is a digital payment method having the same value as coins or bills used as payments in actual commerce.

The digital payment means in the digital form was generally used for payment by public transportation such as buses or subways, or by purchasing goods or services at offline merchants.

The present invention has been made in view of the above problems, and when the user wants to be provided with content or services by accessing an online merchant through a user computer, the payment of the electronic payment is performed through a mobile terminal equipped with an electronic payment means. Its purpose is to provide an electronic payment amount payment system and a method thereof.

The present invention relates to an electronic payment amount payment system through a mobile terminal, and accesses an online merchant server through an internet network and transmits and receives various signals related to payment of contents or services to be purchased, thereby obtaining the corresponding content or service from the online merchant server. A user computer provided; Receives a 'purchase request signal' regarding user payment information including the user payment method and the payment amount from the user computer, generates a 'payment request signal' based on this, transmits it to the payment verification server, and the payment is successful from the payment verification server. An online merchant server providing the content or service to the user computer when receiving a signal; Generates an SMS message according to the 'payment request signal' received from the online merchant server and transmits it to the mobile terminal, and receives a 'approval request signal' regarding the provision of content or service to be purchased from the mobile terminal to approve payment and carry It transmits the 'payment approval signal' to the terminal, receives the deduction result signal for the payment deduction according to the content or service provision from the mobile terminal, records the deduction information according to the deduction result signal, and sends the payment success signal to the online merchant server. Payment authentication server for transmitting; And a smart card that is charged with an electronic payment amount, and checks information on the place of purchase, product, quantity, and payment amount of a content or service according to the SMS message received from the payment authentication server, and charges the smart card. When the electronic payment amount is more than the transaction amount, the electronic payment amount is checked and the approval request signal is transmitted. When the payment approval signal is received from the payment authentication server, the electronic payment amount charged in the smart card is received. A mobile terminal subtracting the amount of the content or service to be purchased; Characterized in that it comprises a.

Preferably, the portable terminal further comprises: a card connection unit configured to read and record information regarding a charge amount and balance deduction of the electronic payment amount from the smart card; Characterized in that it comprises a.

In addition, preferably the electronic payment amount payment system through the mobile terminal, the settlement authentication server and the settlement server to settle the payment according to the content or service provided; It characterized in that it further comprises.

Also preferably, the smart card is a subscriber identity module (SIM) card or universal subscriber identity module (USIM) card loaded with subscriber information.

And preferably, the SMS message, characterized in that the URL callback message for the payment method and payment confirmation sent by the payment authentication server 300.

On the other hand, the present invention relates to a method for payment of electronic payment amount through a mobile terminal, the method comprising: (a) accessing an online merchant server through a user computer through an internet network; (b) transmitting a 'purchase request signal' to the online affiliated server by selecting a user payment means and a payment amount for the content or service to be purchased by the user computer; (c) the online merchant server transmitting a 'payment request signal' according to the 'purchase request signal' received from the user computer to a payment authentication server; (d) generating, by the payment authentication server, an SMS message according to the 'payment request signal' and transmitting the same to a mobile terminal; (e) checking, by the mobile terminal, payment information including a place of purchase of a content or a service, a product, a quantity, and a payment amount through a URL callback connection according to an SMS message; (f) checking, by the portable terminal, the electronic payment amount charged in the smart card through a card connection unit; (g) the mobile terminal transmitting a 'approval request signal' to the payment verification server when the charged electronic payment amount is greater than or equal to the transaction amount as a result of the checking in step (f); (h) approving the payment according to the 'approval request signal' received from the mobile terminal by the payment authentication server and transmitting a 'payment approval signal' to the mobile terminal; (i) the mobile terminal subtracting the electronic payment amount charged in the smart card by the corresponding payment amount, and transmitting a result of subtracting the payment amount deduction to the payment authentication server; (j) the payment authentication server recording the deduction information according to the deduction result signal and transmitting a payment success signal to the online affiliate server; (k) providing, by the online merchant server, the corresponding content or service to a user computer according to the payment success signal; Characterized in that it comprises a.

Preferably, after the step (k), (l) the payment verification server and the settlement server to settle the payment, the online merchant server and the payment authentication server to settle the payment; It characterized in that it further comprises.

And preferably (g-1) generating and displaying an error message when the charged electronic payment amount is less than the transaction amount as a result of the checking in step (f); It characterized in that it further comprises.

According to the present invention as described above, by performing the payment of the content or service provided from the online merchant through a mobile terminal equipped with an electronic payment means, the effect that can be used as an online payment means, unlike the conventional offline payment only possible There is.

1 is an overall configuration of the electronic payment amount payment system (S) through a mobile terminal according to the present invention.

2 and 3 is an exemplary view showing a state in which a smart card according to the present invention is mounted.

4 is an overall flowchart of a method for payment of an electronic payment amount through a mobile terminal according to the present invention;

Figure 5 is an exemplary view showing a state of selecting the user payment information including the user payment means and payment amount according to the present invention.

6 is an exemplary view showing an SMS message having a URL callback function according to the present invention.

7 is an exemplary view showing payment information regarding a place of purchase of a content or a service, a product, a quantity, a payment amount, etc. through a URL callback connection according to the present invention.

** Description of symbols for the main parts of the drawing **

S: Electronic payment amount payment system through mobile terminal

100: user computer 200: online merchant server

300: payment authentication server 400: mobile terminal

500: settlement server 410: card connection

Specific features and advantages of the present invention will become more apparent from the following detailed description based on the accompanying drawings. In the meantime, when it is determined that the detailed description of the known functions and configurations related to the present invention may unnecessarily obscure the subject matter of the present invention, it should be noted that the detailed description is omitted.

Hereinafter, with reference to the accompanying drawings will be described in detail the present invention.

The electronic payment amount payment system and method through the mobile terminal according to the present invention will be described with reference to FIGS. 1 to 7.

1 is an overall configuration of the electronic payment amount payment system (S) through a mobile terminal according to the present invention, as shown in the user computer 100, online merchant server 200, payment authentication server 300, It comprises a portable terminal 400 and the settlement server 500.

Specifically, the user computer 100 connects to the online merchant server 200 through the Internet network and transmits and receives various signals related to payment of contents or services to purchase, thereby providing the corresponding contents or service from the online merchant server 200. It is a communicable computer device that includes a Windows 98 or later operating system. It has an Internet browser that can display web content. Personal computers and displays, such as desktop computers and laptop computers. In addition to IP-STB (Internet Receive Set Top Box) or IP-TV to enable the display, including PDA (Personal Digital Assistant) and IMT2000 capable of wireless Internet communication.

The online merchant server 200 receives a 'purchase request signal' regarding the user's payment information including the user's payment means and the amount of payment from the user computer 100 and generates a 'payment request signal' based on the payment verification server. And transmits the content or service to the user computer 100 when the payment success signal is received from the payment verification server 300. In addition, the online merchant server 200 may settle the payment according to the payment authentication server 300 and the corresponding content or service provided.

The payment authentication server 300 generates an SMS message according to the 'payment request signal' received from the online merchant server 200 and transmits the SMS message to the mobile terminal 400, and carries the 'approval request signal' regarding content or service provision. Receives the payment from the terminal 400 and approves the payment, and transmits a 'payment approval signal' to the portable terminal 400.

Thereafter, the mobile terminal 400 receives the subtraction result signal for the subtraction of the payment amount according to the content or service provision, records the subtraction information according to the subtraction result signal, and transmits the payment success signal to the online merchant server 200.

The SMS message is a URL callback message related to a payment method and a payment confirmation sent by the payment authentication server 300.

The mobile terminal 400 checks the information on the place of purchase, the product, the quantity, the payment amount, etc. of the content or the service according to the SMS message received from the payment authentication server 300, and checks the electronic payment amount charged in the mobile terminal 400. Check and generate an error message when the remaining balance is less than the transaction amount. If the remaining balance is greater than or equal to the transaction amount, the authentication request signal is transmitted to the payment verification server 300, and the payment approval is received from the payment verification server 300. When the signal is received, the amount of the content or service to be purchased is subtracted from the charged electronic payment amount. In addition, the deduction result signal for the payment amount deduction according to the corresponding content or service is transmitted to the payment authentication server (300).

In this case, the mobile terminal 400 includes a smart card with the electronic payment amount charged through the card connection unit 410, and reads and records information on the amount of the electronic payment amount and the balance deduction from the smart card. Perform.

In addition, the card connection unit 410 is provided on the battery mounting surface of the portable terminal as shown in Figure 2 will be set to mount the smart card, the present invention is not limited to this, the side of the portable terminal as shown in FIG. It can also be set as provided in the.

Here, the smart card includes a subscriber identity module (SIM) card or a universal subscriber identity module (USIM) card loaded with subscriber information.

The settlement server 500 settles the settlement price according to the settlement authentication server 300 and the corresponding content or service provision.

Meanwhile, the electronic payment amount payment method through the mobile terminal according to the present invention using the system S described above will be described with reference to FIGS. 4 to 8, and the system S described above through the method description below. Each function will be clearer.

4 is a flowchart illustrating an electronic payment amount payment method through a mobile terminal according to the present invention. As shown in FIG. 4, the user computer 100 accesses the online merchant server 200 through the Internet network (S100). As shown in FIG. 5, by selecting a user payment method and a payment amount, a 'purchase request signal' is transmitted to the content or service to be purchased (S200).

Thereafter, the online merchant server 200 transmits a 'payment request signal' according to the 'purchase request signal' received from the user computer 100 to the payment verification server 300 (S300) and the payment verification server 300. 6 generates an SMS message according to the 'payment request signal' and transmits it to the mobile terminal 400 (S400).

The mobile terminal 400 checks payment information regarding a purchase place, a product, a quantity, a payment amount, and the like of the content or service, as shown in FIG.

At this time, the mobile terminal 400 checks the electronic payment amount charged in the smart card through the card connection unit 410 (S600), and as a result of the check in step S600, if the charged electronic payment amount is greater than or equal to the transaction amount, the mobile terminal ( 400 transmits the 'approval request signal' to the payment verification server 300 (S700).

Thereafter, the payment authentication server 300 approves the payment according to the 'approval request signal' received from the mobile terminal 400 and transmits the 'payment approval signal' to the mobile terminal 400 (S800). In operation 400, the electronic payment amount charged in the smart card is subtracted by the corresponding payment amount (S900), and the subtraction result signal for the payment amount reduction is transmitted to the payment authentication server 300 (S1000).

The payment authentication server 300 records the deduction information according to the deduction result signal and transmits a payment success signal to the online affiliate server 200 (S1100).

The online merchant server 200 provides the corresponding content or service to the user computer 100 according to the payment success signal (S1200).

Thereafter, the payment authentication server 300 and the settlement server 500 settles the payment, and the online merchant server 200 and the payment authentication server 300 settle the payment (S1300).

On the other hand, when the check result of step S600, when the charged electronic payment amount is less than the transaction amount, the mobile terminal 400 generates and displays an error message (S1400).

As described above and described with reference to a preferred embodiment for illustrating the technical idea of the present invention, the present invention is not limited to the configuration and operation as shown and described as described above, it is a deviation from the scope of the technical idea It will be understood by those skilled in the art that many modifications and variations can be made to the invention without departing from the scope of the invention. Accordingly, all such suitable changes and modifications and equivalents should be considered to be within the scope of the present invention.

Claims

In the electronic payment amount payment system through a mobile terminal,

A user computer 100 that receives the contents or services from the online merchant server 200 by transmitting and receiving various signals related to payment of contents or services to be purchased by accessing the online merchant server 200 through the Internet network;

Receives a 'purchase request signal' regarding the user payment information including the user payment means and the payment amount from the user computer 100, generates a 'payment request signal' based on this and transmits it to the payment authentication server 300, An online merchant server 200 for providing a corresponding content or service to the user computer 100 when receiving a payment success signal from a payment authentication server 300;

The mobile terminal 400 generates an SMS message according to the 'payment request signal' received from the online merchant server 200 and transmits the SMS message to the mobile terminal 400, and transmits an 'approval request signal' regarding content or service to be purchased. ) To approve the payment and transmit a 'payment approval signal' to the mobile terminal 400, and receive a subtraction result signal for the payment deduction according to the provision of the corresponding content or service from the mobile terminal 400. A payment authentication server 300 for recording the deduction information according to and transmitting a payment success signal to the online merchant server 200; And

The smart card is charged with the electronic payment amount, and checks the information on the place of purchase, the product, the quantity, the payment amount of the content or service according to the SMS message received from the payment authentication server 300, and the smart card. Check the electronic payment amount charged in the electronic payment amount is more than the transaction amount is sent to the 'approval request signal', when the 'payment approval signal' is received from the payment authentication server 300 is charged to the smart card A mobile terminal 400 subtracting the amount of contents or services to be purchased from the electronic payment amount; Electronic payment amount payment system through a mobile terminal comprising a.
The method of claim 1,

The mobile terminal 400,

A card connection unit 410 for reading out and recording information on charge amount and balance deduction of the electronic payment amount from the smart card; Electronic payment amount payment system through a mobile terminal comprising a.
The method of claim 1,

Electronic payment amount payment system (S) through the mobile terminal,

Settlement server 500 for calculating the payment amount in accordance with the payment authentication server 300 and the corresponding content or service provided; Electronic payment amount payment system through a mobile terminal, characterized in that it further comprises.
The method of claim 1,

The smart card,

An electronic payment amount payment system using a mobile terminal, characterized in that it is a subscriber identity module (SIM) card or a universal subscriber identity module (USIM) card containing subscriber information.
The method of claim 1,

The SMS message is an electronic payment amount payment system using a mobile terminal, characterized in that the URL callback message regarding the payment method and payment confirmation sent by the payment authentication server (300).
In the electronic payment amount payment method through a mobile terminal,

(a) the user computer 100 accessing the online merchant server 200 through an internet network;

(b) transmitting a 'purchase request signal' to the online merchant server 200 by selecting a user payment means and a payment amount for the content or service to be purchased by the user computer 100;

(c) the online merchant server 200 transmitting a 'payment request signal' according to the 'purchase request signal' received from the user computer 100 to the payment authentication server 300;

(d) generating, by the payment verification server 300, an SMS message according to the 'payment request signal' and transmitting the SMS message to the mobile terminal 400;

(e) checking, by the portable terminal, payment information including a purchase place, a product, a quantity, and a payment amount of a content or a service through a URL callback connection according to an SMS message;

(f) checking, by the portable terminal, the electronic payment amount charged in the smart card through the card connection unit 410;

(g) the mobile terminal 400 transmitting an approval request signal to the payment authentication server 300 when the charged electronic payment amount is greater than or equal to the transaction amount as a result of the checking in step (f);

(h) approving the payment according to the 'authorization request signal' received from the mobile terminal 400 by the payment authentication server 300 and transmitting a 'payment approval signal' to the mobile terminal 400;

(i) the mobile terminal 400 subtracting the electronic payment amount charged in the smart card by the corresponding payment amount, and transmitting a result of subtracting the payment amount deduction to the payment authentication server 300;

(j) the payment authentication server 300 recording the deduction information according to the deduction result signal, and transmitting a payment success signal to the online affiliate server 200;

(k) providing, by the online merchant server 200, the corresponding content or service to the user computer 100 according to the payment success signal; Electronic payment amount payment method through a mobile terminal comprising a.
The method of claim 6,

After step (k),

(l) the payment verification server 300 and the settlement server 500 to settle the payment, and the online merchant server 200 and the payment verification server 300 to settle the payment; Electronic payment amount payment method through a mobile terminal, characterized in that it further comprises.
The method of claim 6,

As a result of the checking in step (f), if the charged electronic payment amount is less than the transaction amount

(g-1) generating and displaying an error message by the mobile terminal 400; Electronic payment amount payment method through a mobile terminal, characterized in that it further comprises.
The method of claim 6,

The smart card,

A method of payment of an electronic payment via a mobile terminal, characterized in that the subscriber identity module (SIM) card or the universal subscriber identity module (USIM) card loaded with subscriber information.
The method of claim 6,

The SMS message is a payment method sent by the payment authentication server 300 and the electronic payment amount payment method through a mobile terminal, characterized in that the URL callback message regarding payment confirmation.