WO2012057385A1

WO2012057385A1 - Payment method and system in interactive media device

Info

Publication number: WO2012057385A1
Application number: PCT/KR2010/007629
Authority: WO
Inventors: 김옥자
Original assignee: 주식회사 인터페이
Priority date: 2010-10-26
Filing date: 2010-11-02
Publication date: 2012-05-03
Also published as: KR101218685B1; KR20120043198A

Abstract

Disclosed are a payment method and system in an interactive media device. Among the embodiments, a payment system in an interactive media device comprises: an interactive media device; a shopping mall server which receives purchase information from said interactive media device; a bank server which is connected with a payment account of a purchaser; a communication terminal which is configured to authenticate said purchaser; a communication company in which said communication terminal of said purchaser is joined; and a payment server. According to said embodiment, when a product is purchased in the interactive media device that includes an IPTV, the payment server is connected with the communication company and the bank server whereby a more secure service is provided.

Description

Payment method and system in interactive media device

The disclosed technology relates to a payment method and system in an interactive media device.

IPTV (Internet Protocol Television) is a television system that can provide two-way television service using a high-speed Internet network, and provides a two-way television service such as information service, video content, and broadcasting using high-speed Internet. IPTV can be used if only a television receiver, a set-top box, and an Internet line are connected. Therefore, even a user who is not familiar with a computer can use the remote control to receive various contents and additional services provided by the Internet such as movie watching, home shopping, home banking, online games, as well as Internet search.

When purchasing products on IPTV, if you use cash or credit cards, there is a risk of theft or loss, and if you use credit cards, you will be charged a small fee in the card payment process. There is a problem that it is difficult to use the payment service.

The problem of the disclosed technology is to provide a service that can be used more easily by securely using the authentication of the communication terminal when the product is purchased through an interactive media device including an IPTV, and the amount is withdrawn from the buyer's bank account. Is in.

In order to achieve the above technical problem, a first aspect of the disclosed technology is a payment method in an interactive media device, comprising: (a) receiving, by a shopping mall server, purchase information of a buyer through an interactive media device; (b) the shopping mall server transmitting the purchaser's communication terminal number and price information to a payment server; (c) if the purchaser is a member, requesting, by the payment server, to inquire from a bank server whether a purchaseable balance exists in the payment account of the buyer; (d) if the purchase balance is present in the payment account of the buyer, requesting the authentication by providing the communication terminal number of the buyer to the communication company; (e) the telecommunication company calling the communication terminal number to receive a password from the buyer and transmitting the received password to the payment server; And (f) if the password registered in the password database of the payment server is the same as the received password, the payment server requesting the bank server for the purchase price from the payment account of the buyer.

In order to achieve the above technical problem, a second aspect of the disclosed technology is a payment system in an interactive media device, comprising: an interactive media device; A shopping mall server configured to receive purchase information from the interactive media device; A bank server associated with the payment account of the buyer; A communication terminal for authenticating the buyer; A communication company to which the communication terminal of the buyer is subscribed; And a payment server, wherein the payment server receives the buyer's mobile communication terminal number and the payment information from the shopping mall server, and purchases the payment account of the buyer at the bank server when the buyer is a member. Request to check whether there is available balance, and if the available balance exists in the payment account of the buyer, the payment server provides the communication terminal number of the buyer to the telecommunication company to request authentication, and the communication Receiving the password entered by the buyer from the company, and if the password and the password registered in the password database is the same, and requesting the purchase price from the payment account of the buyer to the bank server.

The disclosed technique can have the following effects. However, since a specific embodiment does not mean to include all of the following effects or only the following effects, it should not be understood that the scope of the disclosed technology is limited by this.

According to the disclosed technology, when a product is purchased in an interactive media device including an IPTV, a payment server may be connected with a telecommunication company and a bank server to provide a more secure service.

In addition, according to the disclosed technology, a buyer can simply purchase a product by pre-subscribing information if the buyer inputs simple purchase information into the IPTV.

1 is a block diagram illustrating a payment system in an interactive media device according to an embodiment of the disclosed technology.

2 is a flowchart illustrating a payment method in an interactive media device according to an embodiment of the disclosed technology.

3 is a flowchart illustrating an embodiment of a method for transmitting and receiving purchase information in the interactive media device of FIG. 1.

Description of the disclosed technology is only an embodiment for structural or functional description, the scope of the disclosed technology should not be construed as limited by the embodiments described in the text. That is, the embodiments may be variously modified and may have various forms, and thus the scope of the disclosed technology should be understood to include equivalents capable of realizing the technical idea.

On the other hand, the meaning of the terms described in the present application should be understood as follows.

Singular expressions should be understood to include plural expressions unless the context clearly indicates otherwise, and terms such as "include" or "have" refer to features, numbers, steps, operations, components, parts, or parts thereof described. It is to be understood that the combination is intended to be present, but not to exclude in advance the possibility of the presence or addition of one or more other features or numbers, steps, operations, components, parts or combinations thereof.

Each step may occur differently from the stated order unless the context clearly dictates the specific order. That is, each step may occur in the same order as specified, may be performed substantially simultaneously, or may be performed in the reverse order.

All terms used herein have the same meaning as commonly understood by one of ordinary skill in the art unless otherwise defined. Generally, the terms defined in the dictionary used are to be interpreted to coincide with the meanings in the context of the related art, and should not be interpreted as having ideal or excessively formal meanings unless clearly defined in the present application.

1 is a block diagram illustrating a payment system in an interactive media device according to an embodiment of the disclosed technology. Referring to FIG. 1, the payment system in the interactive media device 100 includes an interactive media device 100, a shopping mall server 200, a bank server 300, a communication terminal 400, a communication company 500, and a payment system. The payment server 600 is included.

The interactive media device 100 receives the purchase information from the buyer and transmits it to the shopping mall server 200. The interactive media apparatus 100 may include a media apparatus equipped with an IPTV (Internet Protocol Television) or a satellite transceiver. In this case, the purchase information may include a product name and a product quantity. In addition, the purchase information may further include the buyer's communication terminal 400 number. The purchaser may input purchase information with a remote controller wirelessly connected to the interactive media device 100. When the purchaser inputs purchase information into the interactive media device 100, the purchaser may be authenticated that the purchaser is subscribed to the shopping mall by first performing a procedure such as logging in. Here, the buyer is required to be registered in the shopping mall in advance and assigned an ID and password. In addition, the purchaser may input purchase information through the communication terminal 400 capable of two-way direct wireless communication with the interactive media device 100. As an example, the communication terminal 400 may select a product to be purchased in the bidirectional media device 100 using bidirectional direct wireless communication, and the communication terminal 400 may bidirectional direct wireless communication to the bidirectional media device 100. The number of the communication terminal 400 can be transmitted. Here, the bidirectional direct wireless communication between the bidirectional media device 100 and the communication terminal 400 may be performed in a Bluetooth manner.

The shopping mall server 200 receives the purchase information from the interactive media device 100, and transmits the purchaser's communication terminal 400 number and the payment information to the payment server 600. The shopping mall server 200 is connected to the interactive media device 100 through a network, and when a purchaser purchases a product from the interactive media device 100, the shopping mall server 200 may be required to be connected to the shopping mall server 200. In this case, the purchaser may be registered in the shopping mall in advance and may be assigned an ID and password to authenticate the membership in the interactive media device 100. In addition, the purchaser can access the member of the shopping mall by inputting the number of the communication terminal 400 of the buyer to the interactive media device 100. The shopping mall server 200 may transmit detailed purchase information including at least one product name or price to the communication terminal 400 of the buyer. For example, after a purchaser purchases a product from the interactive media device 100, the shopping mall server 200 may designate a product name in the form of a short message service (SMS) form on the communication terminal 400 of the purchaser to confirm the purchase of the product. Detailed purchase information such as price, quantity, and size can be transmitted.

The bank server 300 receives an inquiry request from the payment server 600 to check whether there is a balance to purchase a product in the payment account of the buyer, and transfers the payment of the purchase price from the payment account of the buyer to the payment server 600. You may be asked. The communication between the bank server 300 and the payment server 600 is encrypted in a conventional manner, and those skilled in the art will fully understand.

The communication terminal 400 is a terminal subscribed to the communication company 500. When the purchaser purchases a product from the interactive media device 100, the purchaser is called from the communication company 500 and the password is transmitted to the communication terminal 400. Enter. The purchaser may enter a password through the ARS (Audio Response System) when receiving a telephone call from the telecommunication company 500. In addition, when the buyer receives an SMS call from the communication company 500, the buyer may directly call or input a password through ARS or SMS. Here, the communication terminal 400 may include a wired or wireless communication terminal, and may include a general telephone, a mobile phone, a smart phone, and personal digital assistants (PDAs). In addition, the communication terminal 400 selects a product to be purchased in the bidirectional media device 100 through bidirectional direct wireless communication, and transmits the number of the communication terminal 400 through bidirectional direct wireless communication to the bidirectional media device 100, thereby bidirectionally. The product can be purchased in place of the remote control of the media device 100.

The communication company 500 receives the purchaser's communication terminal 400 number from the payment server 600 and requests password authentication from the communication terminal 400. The communication company 500 may call the communication terminal 400 number received from the payment server 600 in the form of a short message service (SMS) or a telephone. In addition, the password received from the communication terminal 400 is transmitted to the payment server 600. Here, the communication company 500 means a company to which the communication terminal 400 is subscribed. The communication company 500 may perform wired or wireless communication including the communication terminal 400, a general telephone, a mobile phone, a smartphone, and personal digital assistants (PDAs). Communication between the telecommunications company 500 and the payment server 600 is encrypted in a conventional manner, and those skilled in the art will fully understand.

The payment server 600 receives the purchaser's communication terminal 400 number and payment information from the shopping mall server 200. The payment server 600 may include a member database 610, a payment account database 620, or a password database 630. The payment server 600 inquires the received number of the communication terminal 400 to determine whether the buyer is a member registered in the member database 610 of the payment server 600. If the purchaser is a member, the payment server 600 uses the purchaser's payment account number in the payment account database 620 to request the bank server 300 to check whether a purchaseable balance exists in the buyer's payment account. Here, the payment account number of the buyer is described in advance when the purchaser subscribes to the payment server 600, and is stored in the payment account database 620.

When the payment server 600 receives information from the bank server 300 that the balance for purchasing the product is not sufficient, the purchase of the product by the buyer may be stopped. In addition, the payment server 600 may inform the buyer that the balance is not sufficient in the payment account of the buyer in the form of SMS. When the payment server 600 receives information from the bank server 300 that the purchaser's payment account is sufficient, the payment server 600 transmits the communication company 400 to the communication company 500. Request password authentication by providing a number. This is a procedure to reconfirm the purchaser's intention to purchase the product and make a secure payment securely. The payment server 600 receives the password entered by the purchaser in the communication terminal 400 from the communication company 500, and the received password is the same as the password registered in the password database 630 of the payment server 600. Check it. Here, the password database 630 means a database storing the password entered in the procedure in which the buyer subscribes to the payment server 600 before purchasing the product. If the passwords are not the same, the purchaser's purchase process will be interrupted. In addition, the payment server 600 may request the password re-authentication by providing the communication company 400 of the buyer to the communication company 500. If the passwords are the same, the payment server 600 requests a purchase price from the payment account of the buyer to the bank server 300.

2 is a flowchart illustrating a payment method in an interactive media device according to an embodiment of the disclosed technology. Referring to FIG. 2, the buyer transmits the purchase information of the buyer to the shopping mall server 200 through the interactive media device 100 (S10). The interactive media apparatus 100 may include a media apparatus equipped with an IPTV (Internet Protocol Television) or a satellite transceiver. In addition, the purchase information may further include the buyer's communication terminal 400 number. The purchaser may input purchase information with a remote controller wirelessly connected to the interactive media device 100. When the purchaser inputs purchase information into the interactive media device 100, the purchaser may perform a login procedure. Here, the buyer is required to be registered in the shopping mall in advance and assigned an ID and password. In addition, the purchaser may input purchase information through the communication terminal 400 capable of two-way direct wireless communication with the interactive media device 100. As an example, the communication terminal 400 may select a product to be purchased in the bidirectional media device 100 using bidirectional direct wireless communication, and the communication terminal 400 may bidirectional direct wireless communication to the bidirectional media device 100. The number of the communication terminal 400 can be transmitted. Here, the bidirectional direct wireless communication between the bidirectional media device 100 and the communication terminal 400 may be performed in a Bluetooth manner.

The shopping mall server 200 transmits the purchaser's communication terminal 400 number and price information to the payment server 600 (S20). The shopping mall server 200 is connected to the interactive media device 100 through a network, and when a purchaser purchases a product from the interactive media device 100, the shopping mall server 200 may be required to be connected to the shopping mall server 200. In this case, the purchaser may be registered in advance in the shopping mall and assigned an ID and password, and authenticate the shopping mall member by inputting the ID and password in the interactive media device 100. In addition, the purchaser may access the member of the shopping mall by inputting the number of the communication terminal 400 of the buyer to the interactive media device 100. The shopping mall server 200 checks whether the buyer is a shopping mall subscriber based on the purchase information received from the buyer, and then transmits the purchaser's communication terminal 400 number and the payment information, which are information necessary for the purchaser's payment, to the payment server 600. . In addition, the shopping mall server 200 may transmit detailed purchase information including at least one product name or price to the communication terminal 400 of the buyer. As an example, after the purchaser purchases a product from the interactive media device 100, the shopping mall server 200 names the product in the form of a short message service (SMS) form on the communication terminal 400 of the purchaser to confirm the purchase of the product by the purchaser. Detailed purchase information such as price, quantity, and size can be transmitted.

If the purchaser is a member, the payment server 600 requests an inquiry from the bank server 300 to determine whether a balance for purchasing a product exists in the payment account of the buyer (S30). The payment server 600 queries the member database 610 of the payment server 600 with respect to the communication terminal 400 number of the buyer received from the shopping mall server 200, and the buyer subscribes to the payment server 600. Check if it is If the purchaser is not a member, the purchaser's purchase process may be interrupted. As a result of the check, when the buyer corresponds to the member, the purchaser may query the buyer's payment account to the bank server 300 to determine whether the payment is possible. Here, the payment account number of the buyer is described in advance when the purchaser subscribes to the payment server 600, and is stored in the payment account database 620. The communication between the bank server 300 and the payment server 600 is encrypted in a conventional manner, and those skilled in the art will fully understand.

The bank server 300 responds to the payment settlement server 600, the account verification result of the buyer (S40). The bank server 300 may check whether the balance for purchasing the product is sufficient in the payment account of the buyer and inform the payment server 600 of the payment. The communication between the bank server 300 and the payment server 600 is encrypted in a conventional manner, and those skilled in the art will fully understand. If the payment server 600 checks the balance and determines that the balance for the product purchase is not sufficient, the payment server 600 interrupts the purchaser's product purchase process or contacts the purchaser's communication terminal 400, indicating that the balance of the payment account is not sufficient. You can tell the facts.

If there is a purchaseable balance in the payment account of the buyer, the payment server 600 may provide a communication terminal 400 number of the buyer to the telecommunication company 500 to request password authentication (S50). This is to confirm the purchaser's intention to buy the product through the authentication process and to securely pay the price securely. Communication between the telecommunications company 500 and the payment server 600 is encrypted in a conventional manner, and those skilled in the art will fully understand.

The communication company 500 calls the buyer's communication terminal 400 number received from the payment server 600 (S60). The communication company 500 may call the communication terminal 400 number received from the payment server 600 in the form of a short message service (SMS) or a telephone.

The purchaser enters a password into the communication terminal 400 (S70). The purchaser may enter a password through the ARS (Audio Response System) when receiving a telephone call from the telecommunication company 500. In addition, when the purchaser receives a call in the form of SMS from the communication company 500, the buyer may directly call the user to inform the password or enter the password through ARS or SMS. Here, the communication terminal 400 may include a wired or wireless communication terminal, and may include a general telephone, a mobile phone, a smart phone, and personal digital assistants (PDAs).

The communication terminal 400 transmits the password inputted by the buyer to the communication company 500 (S80). The communication terminal 400 may notify the buyer by directly calling or transmitting the password inputted through the ARS or SMS to the communication company 500.

The communication company 500 transmits the password input from the purchaser to the payment server 600 (S90). This is to compare the password entered by the buyer with the password of the password database 630 existing in the payment server 600. Communication between the telecommunications company 500 and the payment server 600 is encrypted in a conventional manner, and those skilled in the art will fully understand.

The payment server 600 compares the password registered in the password database 630 of the payment server 600 with the password received from the communication company 500 (S100). Here, the password database 630 refers to a database in which the password stored in the procedure in which the purchaser subscribes to the payment server 600 before purchasing the product. The payment server 600 compares the password registered in the password database 630 with the received password and stops the purchaser's product purchase process if it is not the same. In addition, the payment server 600 may request the password re-authentication by providing the communication company 400 of the buyer to the communication company 500.

If the password registered in the password database 630 of the payment server 600 and the received password is the same, the payment server 600 may request the purchase price from the payment account of the buyer to the bank server 300 (S110). ). When the payment server 600 compares the passwords, and it is determined that the passwords are the same, the purchaser's intention to purchase the product will be confirmed and the security will not be a problem. Therefore, since the payment server 600 may receive the purchase price from the payment account of the buyer, the payment server 600 may request the bank server 300 to transfer the purchase price from the payment account of the buyer. .

3 is a flowchart illustrating an embodiment of a method for transmitting and receiving purchase information in the interactive media device of FIG. 1. Referring to FIG. 3, the purchaser operates a communication terminal 400 and selects a product to be purchased from the bidirectional media device 100 by using bidirectional direct wireless communication (S210). Here, the bidirectional direct wireless communication between the communication terminal 400 and the bidirectional media device 100 may be performed by a Bluetooth method, and the communication terminal 400 and the bidirectional media device 100 may be connected to a device that can support the Bluetooth method. May be required. When the purchaser operates the communication terminal 400 to select a purchased product, the purchaser may select not only the product name but also the quantity, size or color of the product.

The purchaser operates the communication terminal 400 and transmits the number of the communication terminal 400 to the bidirectional media device 100 by using the bidirectional direct wireless communication (S220). Here, the number of the communication terminal 400 is required to be registered in advance in the shopping mall server 200 or the billing server 600, after which the shopping mall server 200 or the billing server 600 is confirmed as a member It can be used for the purpose.

The interactive media device 100 transmits the purchaser's purchase information to the shopping mall server 200 (S230). The interactive media apparatus 100 may transmit a product name, a quantity, a size, a color, and a number of the communication terminal 400 inputted by the purchaser through the bidirectional direct wireless communication to the shopping mall server 200 by operating the communication terminal 400. Can be.

Although described above with reference to a preferred embodiment of the present invention, those skilled in the art will be variously modified and changed within the scope of the invention without departing from the spirit and scope of the invention described in the claims below I can understand that you can.

Claims

(a) receiving the purchase information of the purchaser by the shopping mall server through the interactive media device;

(b) the shopping mall server transmitting the purchaser's communication terminal number and price information to a payment server;

(c) if the purchaser is a member, requesting, by the payment server, to inquire from a bank server whether a purchaseable balance exists in the payment account of the buyer;

(d) if the purchase balance is present in the payment account of the buyer, requesting the authentication by providing the communication terminal number of the buyer to the communication company;

(e) the telecommunication company calling the communication terminal number to receive a password from the buyer and transmitting the received password to the payment server; And

and (f) the payment server requesting the bank server for a purchase price from the payment account of the buyer when the password registered in the password database of the payment server is the same as the received password. How to pay on your device.
The method of claim 1,

Step (a) is

(a1) selecting, by the communication terminal, a purchased product by wireless communication from the interactive media device; And

(a2) a payment method of a bidirectional media device comprising the step of the communication terminal transmitting a communication terminal number to the bidirectional media device by wireless communication.
The method of claim 2,

The payment method in the two-way media device for communicating in a Bluetooth manner between the communication terminal and the two-way media device.
The method of claim 1,

In the step (b), the shopping mall server billing method in the interactive media device for transmitting the detailed purchase information including at least one product name or price to the communication terminal of the buyer.
The method of claim 1,

The communication terminal is a payment method in a two-way media device in a wired or wireless communication with the communication company.
The method of claim 1,

The interactive media device

Payment method in two-way media device including a media device equipped with an IPTV or satellite transceiver.
Interactive media devices;

A shopping mall server configured to receive purchase information from the interactive media device;

A bank server associated with the payment account of the buyer;

A communication terminal for authenticating the buyer;

A communication company to which the communication terminal of the buyer is subscribed; And

Include a billing server

The payment server

Receive the buyer's communication terminal number and the payment information from the shopping mall server, and if the buyer is a member, request the bank server to inquire whether there is a balance available for purchase in the buyer's payment account, and the buyer's payment When the purchase balance is present in the account, the payment server provides the communication company with the purchaser's communication terminal number to request authentication, receives a password entered by the purchaser from the communication company, and receives the received payment. And requesting the purchase price from the payment account of the buyer to the bank server when the password and the password registered in the password database are the same.
The method of claim 7, wherein

And the communication terminal selects a purchase product by wireless communication from the bidirectional media device, and the communication terminal transmits a communication terminal number to the bidirectional media device by wireless communication.
The method of claim 8,

Payment system in a two-way media device for communicating in a Bluetooth manner between the mobile communication terminal and the interactive media device.
The method of claim 7, wherein

The shopping mall server is a payment system in the interactive media device for transmitting detailed purchase information including at least one product name or price to the communication terminal of the buyer.
The method of claim 7, wherein

The communication terminal is a payment system in a two-way media device for wired or wireless communication with the communication company.
The method of claim 7, wherein

The interactive media device

Payment system for interactive media devices including media devices equipped with IPTV or satellite transceiver.