WO2011149170A1 - Système et procédé d'autorisation d'un paiement électronique effectué à l'aide d'un afficheur à écran tactile d'un terminal de communication - Google Patents

Système et procédé d'autorisation d'un paiement électronique effectué à l'aide d'un afficheur à écran tactile d'un terminal de communication Download PDF

Info

Publication number
WO2011149170A1
WO2011149170A1 PCT/KR2010/008864 KR2010008864W WO2011149170A1 WO 2011149170 A1 WO2011149170 A1 WO 2011149170A1 KR 2010008864 W KR2010008864 W KR 2010008864W WO 2011149170 A1 WO2011149170 A1 WO 2011149170A1
Authority
WO
WIPO (PCT)
Prior art keywords
electronic payment
coordinate value
user
payment approval
operator server
Prior art date
Application number
PCT/KR2010/008864
Other languages
English (en)
Korean (ko)
Inventor
박성찬
김성범
Original Assignee
(주)다우기술
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 (주)다우기술 filed Critical (주)다우기술
Publication of WO2011149170A1 publication Critical patent/WO2011149170A1/fr

Links

Images

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
    • G06Q20/00—Payment architectures, schemes or protocols
    • 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

Definitions

  • 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.
  • the operation server accepts the electronic payment by receiving the approval value sent to the user's mobile phone.
  • 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;
  • 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
  • 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.
  • 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.
  • 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.
  • FIG. 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.
  • FIG. 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.
  • FIG. 5 is a flowchart illustrating an electronic payment approval method using a touch screen of a communication terminal according to the present invention.
  • communication unit 220 image data generation unit
  • coordinate value determination unit 300 billing processing server
  • FIG. 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.
  • S electronic payment approval system
  • 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.
  • the user terminal 100 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.
  • a user's touch such as a touch screen
  • 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
  • the communication unit 210, the image data generation unit 220, and the coordinate value determination unit 230 are performed. Include.
  • 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.
  • 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.
  • the billing processing server 300 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.
  • 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.
  • 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.
  • 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.
  • 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.
  • the coordinate value is set to be changed every time it is repeatedly displayed.
  • 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.
  • 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.
  • the coordinate value determination unit 230 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.
  • 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.
  • 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.
  • 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.
  • 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.
  • FIG. 5 is a flowchart illustrating an electronic payment authentication method using a screen touch of a communication terminal according to the present invention.
  • the communication unit 210 of the operator server 200 requests a payment for contents from a user terminal 100.
  • the billing processing server (300) (S4) 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.
  • 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).
  • 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).
  • the touch information means touch input information of the user with respect to the plurality of image data.
  • 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).
  • 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).
  • 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).
  • 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).
  • 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).
  • step S30 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.
  • 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.
  • the existing authentication method mobile phone payment 'SMS authentication', credit card payment 'ISP authentication and assured click', account transfer payment 'certified certificate', etc.
  • 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.

Landscapes

  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Engineering & Computer Science (AREA)
  • Theoretical Computer Science (AREA)
  • Finance (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

La présente invention concerne un système et un procédé d'autorisation d'un paiement électronique effectué à l'aide d'un afficheur à écran tactile d'un terminal de communication. Plus précisément, lorsqu'un signal de demande de paiement de contenu est reçu d'un équipement utilisateur, un serveur de l'opérateur désigne de manière répétée des données d'images ayant des coordonnées particulières et transmet les données à l'équipement utilisateur. Une fois que l'équipement utilisateur a touché les données d'images ayant les coordonnées correspondantes, le serveur de l'opérateur reçoit les informations tactiles en provenance de l'équipement utilisateur, coopère avec le serveur de communication/la banque/la carte de crédit pour autoriser le paiement électronique, et effectue un traitement de facturation. A cet effet, le système de la présente invention comprend : un équipement utilisateur qui transmet à un serveur de l'opérateur un signal de demande de paiement de contenu et des informations personnelles, qui reçoit des données d'images destinées à autoriser le paiement électronique en provenance du serveur de l'opérateur, et qui transmet des informations tactiles d'utilisateur concernant les données d'images au serveur de l'opérateur afin d'obtenir des informations concernant l'autorisation de paiement électronique et le traitement de facturation ; un serveur de l'opérateur qui crée des données d'images destinées à autoriser le paiement électronique lors de la réception du signal de demande de paiement en provenance de l'équipement utilisateur, procède à un traitement d'autorisation de paiement électronique sur la base des informations tactiles de l'utilisateur fournies, et émet/reçoit les informations concernant le processus de facturation à/en provenance d'un serveur de traitement de paiement une fois que l'autorisation a été obtenue ; et le serveur de traitement de paiement qui effectue un processus d'authentification en comparant les informations personnelles de l'utilisateur puis procède à un processus de facturation une fois que le paiement électronique du contenu a été autorisé.
PCT/KR2010/008864 2010-05-25 2010-12-10 Système et procédé d'autorisation d'un paiement électronique effectué à l'aide d'un afficheur à écran tactile d'un terminal de communication WO2011149170A1 (fr)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
KR10-2010-0048491 2010-05-25
KR1020100048491A KR101004038B1 (ko) 2010-05-25 2010-05-25 통신 단말기의 화면 터치를 이용한 전자결제 승인 시스템 및 그 방법

Publications (1)

Publication Number Publication Date
WO2011149170A1 true WO2011149170A1 (fr) 2011-12-01

Family

ID=43513392

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/KR2010/008864 WO2011149170A1 (fr) 2010-05-25 2010-12-10 Système et procédé d'autorisation d'un paiement électronique effectué à l'aide d'un afficheur à écran tactile d'un terminal de communication

Country Status (2)

Country Link
KR (1) KR101004038B1 (fr)
WO (1) WO2011149170A1 (fr)

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US11204693B2 (en) 2018-09-07 2021-12-21 Samsung Electronics Co., Ltd. Screenshot based TUI process for in-app purchase authentication

Families Citing this family (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR101713425B1 (ko) * 2015-07-22 2017-03-22 주식회사 엘지유플러스 간편 결제를 위한 장치 및 방법
KR101825202B1 (ko) * 2016-02-12 2018-02-02 (주)인스타페이 터치 입력에 기반한 프로세스 처리 방법 및 시스템
WO2018207953A1 (fr) * 2017-05-08 2018-11-15 (주)인스타페이 Procédé et système de traitement à base d'entrée tactile

Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR20060015034A (ko) * 2004-08-13 2006-02-16 이근순 이미지 관리 및 거래가 가능한 웹 하드 서비스 시스템 및방법
KR100707289B1 (ko) * 2005-06-24 2007-04-12 주식회사 팬택 이동통신 단말기에 구비된 가속도 센서를 이용한 전자결제서명 방법 및 시스템
KR100740264B1 (ko) * 2004-12-16 2007-07-18 (주) 엘지텔레콤 이동통신 단말기의 디지털 컨텐츠 자동판매기
KR20090105011A (ko) * 2008-04-01 2009-10-07 주식회사 디어비즈 아이피주소를 이용한 결제방법 및 그 결제장치
KR20100013377A (ko) * 2008-07-31 2010-02-10 한국정보통신주식회사 판매자 무선단말의 터치패드를 이용한 카드결제 방법 및시스템과 이를 위한 판매자 무선단말 및 기록매체

Patent Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR20060015034A (ko) * 2004-08-13 2006-02-16 이근순 이미지 관리 및 거래가 가능한 웹 하드 서비스 시스템 및방법
KR100740264B1 (ko) * 2004-12-16 2007-07-18 (주) 엘지텔레콤 이동통신 단말기의 디지털 컨텐츠 자동판매기
KR100707289B1 (ko) * 2005-06-24 2007-04-12 주식회사 팬택 이동통신 단말기에 구비된 가속도 센서를 이용한 전자결제서명 방법 및 시스템
KR20090105011A (ko) * 2008-04-01 2009-10-07 주식회사 디어비즈 아이피주소를 이용한 결제방법 및 그 결제장치
KR20100013377A (ko) * 2008-07-31 2010-02-10 한국정보통신주식회사 판매자 무선단말의 터치패드를 이용한 카드결제 방법 및시스템과 이를 위한 판매자 무선단말 및 기록매체

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US11204693B2 (en) 2018-09-07 2021-12-21 Samsung Electronics Co., Ltd. Screenshot based TUI process for in-app purchase authentication

Also Published As

Publication number Publication date
KR101004038B1 (ko) 2010-12-31

Similar Documents

Publication Publication Date Title
KR100412510B1 (ko) 이종 통신망을 이용한 인스턴트 로그인 사용자 인증 및결제 방법과 그 시스템
WO2013081421A1 (fr) Procédé et système pour une transaction de portefeuille mobile sûre
US6853977B1 (en) Electronic settlement system using separate communication channels for settlement between sales and payee terminals
US9530165B2 (en) Financial transaction system
WO2013012933A1 (fr) Systèmes et procédés d'authentification de transactions financières de communication en champ proche
KR20100009150A (ko) 휴대폰을 이용한 결제 시스템 및 그 방법
WO2012043963A1 (fr) Procédé et serveur d'authentification
JP2002032692A (ja) 情報サービス提供方法
US20150188716A1 (en) Service providing system, service providing method, portable communication terminal and server
WO2011149170A1 (fr) Système et procédé d'autorisation d'un paiement électronique effectué à l'aide d'un afficheur à écran tactile d'un terminal de communication
JP2006268641A (ja) 認証方法及び認証システム
JP2016526811A (ja) 通信デバイス用の安全なデータ入力および表示
CN116915493A (zh) 安全登录方法、装置、系统、计算机设备和存储介质
CN107392034A (zh) 一种敏感信息保护方法、终端及计算机可读存储介质
WO2013187557A1 (fr) Système de paiement hors ligne, dispositif de paiement hors ligne et procédé de paiement hors ligne
KR20080009242A (ko) 이동통신 단말기를 이용하는 직불결제 서비스 시스템
KR101553049B1 (ko) 이동통신단말기를 이용한 사용자 인증 시스템 및 사용자 인증방법
CN115037482A (zh) 欺诈行为检测方法、装置、电子设备及可读存储介质
KR20070057417A (ko) Ｉｐ 위치 정보를 이용한 전화 결제 인증 시스템 및 방법
JP5433430B2 (ja) インターネットバンキングにおける利用者登録システム
KR101498000B1 (ko) 환자 관리 서버 노드 및 통신 서비스 서버 노드를 포함하는 무선 네트워크에서의 환자 관리 서비스 시스템 및 방법
JP3969153B2 (ja) 端末認証システム、端末認証装置、および端末認証プログラム
KR20120088236A (ko) 콘텐츠 서비스를 위한 사용자 인증 시스템 및 그 방법
WO2016209035A1 (fr) Procédé et système d'authentification pour un achat sécurisé à sécurité améliorée
WO2014098291A1 (fr) Système d'authentification/de transaction utilisant une étiquette nfc et procédé de mise en œuvre dudit système

Legal Events

Date Code Title Description
121 Ep: the epo has been informed by wipo that ep was designated in this application

Ref document number: 10852256

Country of ref document: EP

Kind code of ref document: A1

NENP Non-entry into the national phase

Ref country code: DE

122 Ep: pct application non-entry in european phase

Ref document number: 10852256

Country of ref document: EP

Kind code of ref document: A1