WO2011149170A1

WO2011149170A1 - System and method for authorizing electronic payment that is made by using a touch screen display of a communication terminal

Info

Publication number: WO2011149170A1
Application number: PCT/KR2010/008864
Authority: WO
Inventors: 박성찬; 김성범
Original assignee: (주)다우기술
Priority date: 2010-05-25
Filing date: 2010-12-10
Publication date: 2011-12-01
Also published as: KR101004038B1

Abstract

The present invention relates to a system and method for authorizing electronic payment that is made by using a touch screen display of a communication terminal. In particular, when a content payment request signal is received from user equipment, an operator server repeatedly designates image data having particular coordinates and transmits the data to the user equipment. Once the user equipment touches the image data having the corresponding coordinates, the operator server receives the touch information from the user equipment, cooperates with a communication/bank/credit card server to authorize the electronic payment, and performs a charging process. To this end, the system of the present invention comprises: user equipment which transmits a content payment request signal and personal information to an operator server, receives image data for authorizing electronic payment from the operator server, and transmits user touch information about the image data to the operator server in order to obtain information about the electronic payment authorization and the charging process; an operator server which creates image data for authorizing electronic payment upon receiving the payment request signal from the user equipment, proceeds with an electronic payment authorization process based on the user touch information provided, and transmits/receives the information about the charging process to/from a payment processing server once the authorization is completed; and the payment processing server which conducts a user authentication process by comparing the personal information of the user and then proceeds with the charging process once the electronic payment of a content is authorized.

Description

Electronic payment approval system and method using touch screen of communication terminal

The present invention relates to an electronic payment authentication system and a method thereof, and more particularly, to a technology for approving electronic payment based on user's touch information on image data having a specific coordinate.

At present, demand for other authentication and security measures that replace Active X in the existing web environment is increasing, and the development of a new authentication tool for mobile payment is becoming a common problem.

In general, when using an electronic payment such as a mobile phone micropayment, the operation server accepts the electronic payment by receiving the approval value sent to the user's mobile phone.

With regard to the electronic payment approval system and method in connection with this, a number of applications other than Korean Patent Publication No. 10-2003-0030684 (name of the invention: electronic payment approval method and system using a short message service) (hereinafter, 'prior patent') It is registered.

Electronic payment system according to the prior patent, as described in the disclosure, a mobile communication terminal registered and available to the mobile communication provider; A cyber mall server having a product database storing information on products to be sold to the mobile subscriber connected through a predetermined communication network and a sales database storing sales information; A mobile communication subscriber computer having a mobile communication terminal having a program for accessing the cyber mall server through the communication network and a subscriber authentication key generation program for generating an authentication key during the purchase of the product by the subscriber; A mobile telecommunication service provider server having a subscriber database in which information on the terminal of the mobile telecommunication subscriber and its contents are stored; Providing the subscriber authentication key generation program to the subscriber computer and receiving the subscriber information from the mobile communication operator server to generate an approval value for payment approval for the product to be purchased by the mobile subscriber through the cyber mall server A payment approval server having a processor; Means for transmitting the approval value generated by the payment approval server to the mobile communication service provider server to transmit the approval value to the terminal of the mobile communication subscriber in a short message; And the payment approval server receives the approval value from the subscriber computer, compares the input approval value with the approval value transmitted to the mobile communication service provider server, and compares the approval value with the approval value. Means for transmitting to; It includes.

However, the electronic payment approval system is a method of inputting an approval value transmitted in the form of a short message, and even if the communication terminal is not possessed, there is a problem that the proxy payment is possible only if the approval value is known.

The present invention has been made in view of the above problems, and when receiving a payment request signal for content from a user terminal, the operator server repeatedly designates image data having a specific coordinate and transmits it to the user terminal. It is an object of the present invention to provide a system and a method for approving an electronic payment and billing by interworking with a server such as a telecommunication company / financial company / card company when receiving touch information on image data of a corresponding coordinate.

The present invention for achieving the technical problem relates to an electronic payment approval system using a screen touch of the communication terminal, transmits a payment request signal for the content and the user's personal information to the operator server, the electronic payment approval from the operator server A user terminal for receiving image data for receiving and receiving information about an electronic payment approval and billing process by receiving user touch information on the image data and transmitting the user touch information to the operator server; Generating image data for electronic payment approval according to the payment request signal of the user terminal, receiving the user touch information to process the electronic payment approval, and if the approval is made, transmitting and receiving information regarding the billing processing server and the billing processing. Operator server; And a billing processing server that performs user authentication through user personal information comparison and processes billing according to content electronic payment approval. Characterized in that it comprises a.

On the other hand, the present invention relates to an electronic payment approval method using a touch screen of the communication terminal, the method comprising the steps of: (a) the operator server receiving the payment request signal for the content and the user's personal information from the user terminal; (b) transmitting, by the operator server, user personal information received from a user terminal to a billing processing server; (c) acquiring user authentication through the charging processing server, and then generating, by the operator server, image data according to a specific coordinate value and transmitting the image data to the user terminal; (d) the operator server receiving touch information on the image data from a user terminal; (e) The operator server determines whether the touched coordinate value matches the preset coordinate value based on the touch information received from the user terminal, and if the touched coordinate value matches the preset coordinate value, Generating an approval signal; And (f) the operator server performing the billing processing according to the electronic payment approval through the billing processing server; Characterized in that it comprises a.

According to the present invention as described above, a method of inputting the user's touch information, not a method of inputting the approval value transmitted in the form of a short message, the terminal owner must be the same as the touch information input bar, payment is possible, proxy payment There is an effect that can be blocked at source.

In addition, according to the present invention, there is an effect that can provide an integrated versatility that can replace the authentication system of other payment means (credit card payment, bank transfer, etc.), instead of just authentication.

In addition, according to the present invention, since a separate cost does not occur (or low cost) for each payment confirmation, there is an effect of reducing the burden of approval costs on payment agencies and content providers.

1 is an overall configuration diagram conceptually showing an electronic payment approval system using a touch screen of the communication terminal according to the present invention.

2 is a detailed configuration diagram of an operator server according to the present invention;

3 and 4 are exemplary views showing image data repeatedly displayed according to the number of display times according to the present invention.

5 is a flowchart illustrating an electronic payment approval method using a touch screen of a communication terminal according to the present invention.

[Description of the code]

100: user terminal 200: operator server

210: communication unit 220: image data generation unit

230: coordinate value determination unit 300: billing processing server

10: image data

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 approval system using the touch screen of the communication terminal according to the present invention will be described with reference to FIGS. 1 to 4.

1 is an overall configuration diagram conceptually showing an electronic payment approval system (S) using a screen touch of a communication terminal according to the present invention, as shown in the user terminal 100, the operator server 200 and the billing processing server 300 is made.

The user terminal 100 transmits the payment request signal for the content and the user's personal information to the operator server 200, receives the image data 10 for the electronic payment approval from the operator server 200, the image data ( It receives a user touch information about 10) and transmits it to the operator server 200 to receive information about the electronic payment approval and billing processing.

Meanwhile, the user terminal 100 according to the present invention is capable of inputting and displaying information through a user's touch, such as a touch screen, and communicating with the outside based on pre-stored information and information input in real time, and capable of web access. Device.

In addition, the operator server 200 generates the image data 10 for the electronic payment approval in accordance with the payment request signal of the user terminal 100, receives the user touch information to process the electronic payment approval, when the approval is made As shown in FIG. 2, the communication unit 210, the image data generation unit 220, and the coordinate value determination unit 230 are performed. Include.

In detail, the communication unit 210 receives a payment request signal and user personal information about content from the user terminal 100 and transmits and receives information for user authentication with the billing processing server 300.

Here, the user's personal information means information on the name of the owner of the user terminal, a social security number, a telephone number, and the like, and information on the user's transaction communication company, financial company, card company, and the like.

In addition, user authentication between the billing processing server 300 and the operator server 200, the user personal information received from the user terminal 100 through the operator server 200 and the user previously registered and stored in the billing processing server 300 This is done through comparison with personal information. At this time, it is preferable to understand that the comparison of the user personal information is based on the internal regulation of the billing processing server 300.

In addition, the communication unit 210 transmits and receives information regarding whether the electronic payment approval with the user terminal 100, and transmits and receives information about the billing processing according to the electronic payment approval with the billing processing server 300.

Meanwhile, the image data generator 220 sets a specific coordinate value so as to be displayed on the display area of the user terminal 100, and generates the image data 10 having the specific coordinate value.

At this time, the image data generation unit 220 sets the display value and the coordinate value changed for each display frequency of the image data 10, and generates the image data 10 according to the coordinate value.

That is, the image data 10 is at least one image data generated according to the number of display times, and as shown in FIGS. 3 to 4, the position thereof may be changed whenever it is repeatedly displayed through the user terminal 100. have.

In this embodiment, the coordinate value is set to be changed every time it is repeatedly displayed. However, the present invention is not limited thereto, and it is also possible to set the coordinate value to be repeatedly displayed at the same coordinate value without being changed. In addition, the image data 10 displayed through the user terminal 100 is not limited to its shape and size.

The coordinate value determiner 230 determines whether the touched coordinate value matches the preset coordinate value based on the user touch information received from the user terminal 100.

As a result of determination, when the touched coordinate value coincides with the preset coordinate value, the coordinate value determination unit 230 generates an electronic payment approval signal, and generates a touch information retransmission request signal when the coordinate value is inconsistent with the preset coordinate value.

Meanwhile, the coordinate value determiner 230 determines whether the touched coordinate value is inconsistent with the preset coordinate value based on the re-received touch information. As a result of the determination, if there is a mismatch, the coordinate value determination unit 230 generates a disapproval signal and a connection restriction signal, and the communication unit 210 transmits a disapproved signal and a connection restriction signal to the user terminal 100 and stops the connection. do. In addition, as a result of the determination, the coordinate value determination unit 230 generates an electronic payment approval signal.

And, the billing processing server 300 performs a user authentication by comparing the user personal information, and performs a function of processing the billing according to the content electronic payment approval.

Specifically, the billing processing server 300 performs authentication by comparing the user personal information received from the user terminal 100 through the operator server 200 with the user personal information previously registered and stored in the billing processing server 300. Then, the billing processing result information is transmitted to the operator server 200 according to the billing request signal of the operator server 200 according to the electronic payment approval.

In this case, the billing processing server 300 includes a telecommunication company server, a financial company server and a card company server registered information of the user terminal 100, as described above, the personal information for user authentication, the name of the owner of the user terminal It includes a social security number, phone number information, and may include information about the user's trading carrier, financial company, card company.

Hereinafter, the electronic payment authentication method using the touch screen of the communication terminal will be described with reference to FIG. 5.

FIG. 5 is a flowchart illustrating an electronic payment authentication method using a screen touch of a communication terminal according to the present invention. As illustrated, the communication unit 210 of the operator server 200 requests a payment for contents from a user terminal 100. By receiving the signal and the personal information of the user (S2), and transmits the user personal information received from the user terminal 100 to the billing processing server (300) (S4), so that the billing processing server 300 performs the user authentication do.

After obtaining the user authentication through the billing processing server 300, the image data generation unit 220 of the operator server 200 is displayed and the number of display of the image data 10 for display on the display area of the user terminal 100 Set a coordinate value changed every time (S6), generate at least one or more image data 10 according to the set coordinate value (S8), the communication unit 210 generates the generated image data 10 to the user terminal 100 (S10).

Subsequently, the communication unit 210 receives the touch information on the image data 10 from the user terminal 100 (S12), and the coordinate value determination unit 230 receives the touch information received from the user terminal 100. On the basis of this, it is determined whether the touched coordinate value coincides with the preset coordinate value (S14). Here, the touch information means touch input information of the user with respect to the plurality of image data.

As a result of the determination in step S14, when the touched coordinate value coincides with the preset coordinate value, the coordinate value determination unit 230 generates an electronic payment approval signal (S16).

Thereafter, the communication unit 210 transmits the charging request signal according to the electronic payment approval to the charging processing server 300 (S18), and receives the charging processing result signal accordingly from the charging processing server 300 (S20), and the user. The charging completion signal is transmitted to the terminal 100 (S22).

Meanwhile, as a result of the determination in step S14, when the touched coordinate value does not match the preset coordinate value, the coordinate value determination unit 230 generates a touch information retransmission request signal (S24), and the communication unit 210 generates After the touch information retransmission request signal is transmitted to the user terminal 100 (S26), the touch information is re-received from the user terminal 100 (S28).

In addition, the coordinate value determiner 230 determines whether the touched coordinate value is inconsistent with the preset coordinate value based on the re-received touch information (S30).

As a result of the determination in step S30, if there is a mismatch, the coordinate value determination unit 230 generates a disapproval signal and a connection restriction signal (S32), and the communication unit 210 transmits a disapproval signal and a connection to the user terminal 100. The restriction signal is transmitted and the connection is stopped (S34).

On the other hand, when the determination result of step S30, if the match, the coordinate value determination unit 230 generates an electronic payment approval signal, and proceeds to step S18.

As described above, according to the present invention, when a user requests a payment, an image is driven at a specific coordinate value on a communication terminal (mobile phone, etc.) by escaping the existing authentication method, and the user directly selects (touches) the image. As a system and method to replace the authentication, if the existing authentication method (mobile phone payment 'SMS authentication', credit card payment 'ISP authentication and assured click', account transfer payment 'certified certificate', etc.) is specialized in online web, The invention is expected to be complemented and replaced with stronger authentication means on the mobile as well as the web, and is expected to facilitate the quantitative expansion of the mobile e-commerce market.

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 such, 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 approval system using the touch screen of the communication terminal,

The payment request signal for the content and the user's personal information is transmitted to the operator server 200, and receives the image data 10 for the electronic payment approval from the operator server 200, for the image data 10 A user terminal 100 receiving user touch information and transmitting information to an electronic payment approval and billing process by transmitting the user touch information to the operator server 200;

Generate image data 10 for electronic payment approval according to the payment request signal of the user terminal 100, receive the user touch information, process the electronic payment approval, and if the approval is made, the billing processing server 300 An operator server 200 for transmitting and receiving information regarding billing processing; And

A billing processing server 300 that performs user authentication through user personal information comparison and processes billing according to content electronic payment approval; Including,

The image data 10,

At least one or more electronic payment approval system using a screen touch of the communication terminal, characterized in that generated according to the display frequency.
The method of claim 1,

The operator server 200,

Receiving a payment request signal and user personal information about the content from the user terminal 100, and transmits and receives information for user authentication with the billing processing server 300, the electronic payment approval with respect to the user terminal 100 Communication unit 210 for transmitting and receiving information, and transmits and receives information on the billing processing according to the electronic payment approval with the billing processing server 300;

An image data generator 220 for setting a specific coordinate value to be displayed on the display area of the user terminal 100 and generating image data 10 having the specific coordinate value; And

A coordinate value determiner 230 that determines whether a touched coordinate value matches a preset coordinate value based on user touch information received from the user terminal 100; Electronic payment approval system using the touch screen of the communication terminal comprising a.
The method of claim 2,

The image data generation unit 220,

The electronic payment approval system using the touch screen of the communication terminal, characterized in that for setting the display number and the changed coordinate value for each display number of the image data (10), and generates the image data (10) according to the coordinate value.
The method of claim 2,

The coordinate value determination unit 230,

When the touched coordinate value coincides with the preset coordinate value, an electronic payment approval signal is generated, and when the touched coordinate value does not match the preset coordinate value, an electronic signal using the touch screen of the communication terminal is generated. Payment approval system.
The method of claim 2,

The coordinate value determination unit 230,

On the basis of the re-received touch information, it is determined whether the touched coordinate value is inconsistent with the preset coordinate value, and if it is matched, generates an electronic payment approval signal. Electronic payment approval system using the touch screen of the communication terminal.
The method of claim 2,

The communication unit 210,

Touching the screen touch of the communication terminal, characterized in that for transmitting the disapproval signal and the connection restriction signal generated by the coordinate value determination unit 230 to the user terminal 100, and stops the connection with the user terminal 100 Electronic payment approval system.
The method of claim 1,

The billing processing server 300,

The user's personal information received from the user terminal 100 through the operator server 200 is compared with previously registered and stored user personal information to perform authentication, and the billing request of the operator server 200 according to the electronic payment approval Electronic payment approval system using the touch screen of the communication terminal, characterized in that for transmitting the billing processing result information according to the signal to the operator server (200).
The method of claim 1,

The user personal information,

Electronic payment approval system using the touch screen of the communication terminal, including the name of the user terminal owner, social security number, telephone number information, and information about the user's trading carrier, financial company, card company.
In the electronic payment approval method using the touch screen of the communication terminal,

(a) receiving, by the operator server 200, a payment request signal and personal information of the user from the user terminal 100;

(b) transmitting the user personal information received from the user terminal 100 to the billing processing server 300 by the operator server 200;

(c) obtaining user authentication through the charging processing server 300, and then generating, by the operator server 200, image data according to a specific coordinate value and transmitting the image data to the user terminal 100;

(d) the operator server 200 receiving touch information on the image data 10 from the user terminal 100;

(e) The operator server 200 determines whether the touched coordinate value matches the preset coordinate value based on the touch information received from the user terminal 100, and the touched coordinate value is equal to the preset coordinate value. Generating a digital payment approval signal if there is a match; And

(f) a process in which the operator server 200 performs the billing processing according to the electronic payment approval through the billing processing server 300; Electronic payment approval method using the touch screen of the communication terminal comprising a.
The method of claim 9,

(g) If the touched coordinate value is inconsistent with the preset coordinate value as a result of the determination of step (e), the operator server 200 generates a touch information retransmission request signal and transmits it to the user terminal 100. Re-receiving touch information from the user terminal 100;

(h) The operator server 200 determines whether the touched coordinate value is inconsistent with a preset coordinate value based on the re-received touch information, and if not, the operator server 200 disapproves a signal. Generating a connection restriction signal and transmitting the signal to the user terminal 100 and stopping the connection; And

(i) a process of generating, by the operator server 200, an electronic payment approval signal, and performing a procedure to the process (f), if it matches, as a result of the determination of the process (h); Electronic payment approval method using the touch screen of the communication terminal further comprising.
The method according to claim 9 or 10,

Step (c) is,

(c-1) setting, by the operator server 200, a display value of the image data 10 to be displayed on the display area of the user terminal 100 and a coordinate value which is changed for each display frequency;

(c-2) the operator server 200 generating image data 10 according to the coordinate value set through the step (c-1); And

(c-3) transmitting the at least one image data (10) generated by the operator server (200) to the user terminal (100); Electronic payment approval method using a touch screen of the communication terminal comprising a.
The method according to claim 9 or 10,

The above (f) process,

(f-1) the operator server 200 transmitting a charging request signal according to the electronic payment approval to the charging processing server 300;

(f-2) the operator server 200 receiving a charging processing result signal according to the charging request signal from a charging processing server 300; And

(f-3) the operator server 200 transmitting a charging completion signal to the user terminal 100; Electronic payment approval method using a touch screen of the communication terminal comprising a.