WO2013151359A1 - Application destinée à l'authentification, inscription de membres et services de paiement utilisant un terminal de communication mobile - Google Patents

Application destinée à l'authentification, inscription de membres et services de paiement utilisant un terminal de communication mobile Download PDF

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Publication number
WO2013151359A1
WO2013151359A1 PCT/KR2013/002823 KR2013002823W WO2013151359A1 WO 2013151359 A1 WO2013151359 A1 WO 2013151359A1 KR 2013002823 W KR2013002823 W KR 2013002823W WO 2013151359 A1 WO2013151359 A1 WO 2013151359A1
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WO
WIPO (PCT)
Prior art keywords
application
mobile communication
network key
communication terminal
data
Prior art date
Application number
PCT/KR2013/002823
Other languages
English (en)
Korean (ko)
Inventor
김주한
Original Assignee
Kim Juhan
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 Kim Juhan filed Critical Kim Juhan
Publication of WO2013151359A1 publication Critical patent/WO2013151359A1/fr

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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
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F21/00—Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
    • G06F21/30—Authentication, i.e. establishing the identity or authorisation of security principals
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F21/00—Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
    • G06F21/30—Authentication, i.e. establishing the identity or authorisation of security principals
    • G06F21/31—User authentication
    • G06F21/36—User authentication by graphic or iconic representation
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F9/00—Arrangements for program control, e.g. control units
    • G06F9/06—Arrangements for program control, e.g. control units using stored programs, i.e. using an internal store of processing equipment to receive or retain programs
    • G06F9/44—Arrangements for executing specific programs
    • 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
    • G06Q10/00—Administration; Management
    • G06Q10/10—Office automation; Time management
    • 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
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M1/00—Substation equipment, e.g. for use by subscribers
    • H04M1/02—Constructional features of telephone sets
    • H04M1/0202—Portable telephone sets, e.g. cordless phones, mobile phones or bar type handsets
    • H04M1/026—Details of the structure or mounting of specific components
    • H04M1/0264—Details of the structure or mounting of specific components for a camera module assembly
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04W—WIRELESS COMMUNICATION NETWORKS
    • H04W12/00—Security arrangements; Authentication; Protecting privacy or anonymity
    • H04W12/06—Authentication
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04W—WIRELESS COMMUNICATION NETWORKS
    • H04W12/00—Security arrangements; Authentication; Protecting privacy or anonymity
    • H04W12/60—Context-dependent security
    • H04W12/69—Identity-dependent
    • H04W12/77—Graphical identity

Definitions

  • the present invention relates to an authentication and membership registration service and a payment service using a mobile communication terminal.
  • the present invention relates to an authentication and membership service and a payment service using personal information and payment information of a mobile subscriber stored and managed by a mobile communication company.
  • Patent Document Application No. 10-2010-0137435 of mobile phones that automatically access specific Internet sites can be authenticated, registered, and settled using mobile communication terminals.
  • an application for transmitting and receiving a network key, a URL list file storing a URL of a smart safe server to be connected to a control setting file, and the like are stored in a ROM of a mobile communication terminal, which makes it difficult for a user to install an application. There is a restriction to be installed by.
  • the mobile communication terminal can receive two-dimensional barcode data such as a QR code or data including a network key through short-range wireless communication. This follows.
  • the method of receiving the data including the network key by the mobile communication terminal is a method of scanning a two-dimensional bar code such as a QR code and receiving in a non-contact manner by short-range wireless communication. Limited to doing so.
  • An object of the present invention is to provide an application of a mobile communication terminal which is executed by a control unit by an operation of an input unit of a mobile communication terminal, without being limited to the application being executed only when an external interface button is pressed.
  • An object of the present invention is to provide a method for scanning a two-dimensional barcode such as a QR code using a mobile communication terminal and receiving data including a network key in a non-contact manner by near field communication. Provides an application that accesses directly to receive the data or directly through the mobile application for receiving and transmitting the data to the smart vault server.
  • a mobile communication terminal is provided with a camera, and the mobile communication terminal storage unit has an application for scanning a two-dimensional bar code, such as a QR code, and a network key transmission application that receives data including a network key as a parameter.
  • a two-dimensional bar code such as a QR code
  • a network key transmission application that receives data including a network key as a parameter.
  • Stored recording medium network key reception application execution step for executing an application for scanning two-dimensional barcode such as QR code by operation of input unit of mobile communication terminal, scanning step for scanning two-dimensional barcode such as QR code, scanned data
  • an execution step of executing the network key transmission application as a parameter is provided with a camera, and the mobile communication terminal storage unit has an application for scanning a two-dimensional bar code, such as a QR code, and a network key transmission application that receives data including a network key as a parameter.
  • Stored recording medium network key reception application execution step for executing an application for scanning two-dimensional barcode such as QR code by operation
  • the mobile communication terminal has a near field communication function such as Bluetooth or NFC, and the mobile communication terminal storage unit receives the data including the network key in the near field communication and the data including the network key.
  • the mobile communication terminal storage unit receives the data including the network key in the near field communication and the data including the network key.
  • a recording medium storing a network key transmission application executed as a parameter, and a network key reception application executing step of executing an application for receiving data in short range wireless communication by an operation of an input unit, and a data receiving step of receiving data in short range wireless communication And an execution step of executing the network key transmission application using the received data as a parameter.
  • a mobile communication terminal is provided with a mobile web browser, a storage medium storing a network transmission application that is executed by receiving data including a network key as a parameter, and a web server of merchants in a web browser by manipulation of an input unit.
  • the screen request step for requesting data and screen including token and network key the screen received from the web browser is displayed on the display unit of the mobile communication terminal, and the network transmission application is executed using the data including the network key as a parameter. Characterized in that it comprises an execution step of executing.
  • a mobile communication terminal includes an application requiring authentication or an application requiring payment, and a recording medium storing a network transmission application that is executed by receiving data including a network key as a parameter, and controls the operation of the input unit. And a data request step of requesting data including a net key from the service server of the merchant by the application, and executing a network key transmission application using the data including the network key received from the merchant service server as a parameter. It is characterized by.
  • the network key transmission application may be executed by an application having a receiving means for receiving parameter data or by a mobile web browser that receives parameter data.
  • the parameters transmitted when the network key transmission application is executed include a header portion and a data portion, the header portion includes at least a connection identification code for specifying a service server to be connected, and the data portion includes issuer information for at least the issuer of the token. It is characterized by having a one-time token.
  • the execution of the network key transmission application may include determining a data type of the transmitted parameter, a parameter separation step of separating a header part and a data part from a parameter, a connection identification code extraction step from the separated header part, and a service server to be connected with the extracted connection identification code.
  • a URL acquisition means for obtaining a URL of a URL a transmission step of transmitting to the smart vault server at least the data part as a parameter to the obtained URL, a reception step of receiving a result from the smart vault server, and returning the received result to a place where the application is called. It is characterized by including a result conveyance step.
  • the URL obtaining means obtains the URL of the smart vault server to be connected by the access identification code, and the carrier identification information acquiring step of acquiring the carrier identification information subscribed to the mobile communication terminal, combining the carrier identification information and the access identification code. And a URL extraction step of extracting the URL from the URL information stored in the file or database form in the storage unit using the combined identification information as a key.
  • the mobile communication terminal embodying the present invention is composed of an input unit, a display unit, a control unit, a wireless communication unit, and a storage unit, as in general equipment, an input process by an input unit, a screen output process to output to a display unit, and a wireless transmit / receive process through a wireless communication unit.
  • the control unit is executed according to the control command of the mobile operating system and the application.
  • the mobile communication terminal is a wide concept including all mobile communication terminals, such as a typical mobile phone, smart phone, smart tab.
  • the storage unit may be a read only memory (ROM), a universal subscriber identity module (USIM), or a nonvolatile mobile memory.
  • ROM read only memory
  • USIM universal subscriber identity module
  • the mobile memory is a non-volatile memory, such as a flash memory, in which stored information does not disappear even when the terminal is turned off.
  • the storage unit stores various applications and files required for the application, and the application is executed by the controller.
  • the input unit transmits a user's input to the controller as input means such as a keypad or a touch device.
  • an ID, password, personal information, and payment information are inputted and manipulated by the client, thereby causing security risk and user anxiety.
  • the mobile communication terminal provides an application program interface (API) for receiving a netkey and calling an application for transmitting the netkey through various netkey receiving means, the smart safe server through the called application.
  • API application program interface
  • the netkey will be sent to.
  • the network and smart vault system enable users to secure and convenient authentication services, membership registration services and payment services.
  • 1 is a block diagram showing the configuration of a system for receiving a network key through a QR code to a mobile communication terminal.
  • FIG. 2 is a block diagram showing the configuration of a system for receiving a network key to a mobile communication terminal through short-range wireless communication;
  • FIG. 3 is a block diagram showing the configuration of a system for receiving a network key from the mobile communication terminal itself.
  • FIG. 4 is a block diagram of a mobile communication terminal according to an embodiment of the present invention.
  • FIG. 5 is a functional block diagram of the smart vault server 200 according to an embodiment of the present invention.
  • FIG. 6 is a functional block diagram of an affiliated store server 300 according to an embodiment of the present invention.
  • FIG. 7 is a flow chart in which an application, which is an embodiment of the invention, is executed.
  • FIG. 8 is a sequence diagram of calling an application of an embodiment of the present invention in the system configuration of FIG.
  • FIG. 9 is a sequence diagram of calling an application of an embodiment of the present invention in the system configuration of FIG.
  • FIG. 10 is a sequence diagram in which an application of an embodiment of the present invention is executed.
  • Embodiment of this invention is described based on the following figure.
  • FIG. 1 is a block diagram showing the configuration of a system for receiving a network key to a mobile communication terminal via a two-dimensional bar code such as a QR code.
  • FIG. 2 is a block diagram showing the configuration of a system for receiving a network key to a mobile communication terminal through short-range wireless communication;
  • FIG. 3 is a block diagram showing the configuration of a system for receiving a network key from the mobile communication terminal itself.
  • VPN private network
  • FIG. 4 is a block diagram of a mobile communication terminal according to an embodiment of the present invention.
  • the mobile communication terminal 100 includes a control unit 110, a display unit 120, a wireless communication unit 130, a storage unit 140, and an input unit 150.
  • the display unit 120 displays information by the controller 110.
  • the wireless communication unit 130 performs a communication function by using a network network 900 or the like.
  • the storage unit 140 may be a read only memory (ROM), a universal subscriber identity module (USIM), a nonvolatile mobile memory, and various applications and applications, including an operating system of a mobile communication terminal, an application of an embodiment of the present invention.
  • the application and the file are read and executed by the control unit 110 as a recording medium storing the necessary files.
  • the input unit 150 transmits what the user inputs to the control unit 110 as input means such as a keypad or a touch device.
  • FIG. 5 is a functional block diagram of the smart vault server 200 according to an embodiment of the present invention.
  • smart vault server 200 is a network key receiving function 210, authentication function 220, payment function 230, result transmission function 240, personal information database At least 291 and a database 290 having a payment information database 292 is stored.
  • FIG. 6 is a functional block diagram of an affiliated store server 300 according to an embodiment of the present invention.
  • the merchant server 300 according to an embodiment of the present invention, token issuing function 310, token monitoring function 320, token collection and token processing function 330, member information database 391, And a database 390 that holds the token information database 392 and the transaction information database 393.
  • FIG. 7 is a flow chart in which an application, which is an embodiment of the present invention, is executed in the mobile communication terminal 100.
  • the input parameter checking step (step S1) when the parameter is normal data (Yes for step S2), the parameter separating step (S3) for separating the parameter into the head part and the data part, In the case of abnormal data (No for step S2), an error message is displayed on the display unit 120 (S9), and the process ends.
  • the smart vault server 200 for the token included in the network key and the merchant server 300 that issued the token included in the network communicate with each other and process, at least the processed token and the result data wirelessly
  • FIG. 8 is a sequence diagram of calling an application of an embodiment of the present invention in the system configuration of FIG.
  • a screen including a network key is requested to the affiliate server 300 by operating the input unit in the network network 920.
  • the merchant server 300 issues a token in the token issuing function 310 to step A1, adds data to the token information database 392, and generates a network key combining the token and the merchant identification ID.
  • the client terminal 400 displays a screen with a QR code image and requests the merchant server 300 to monitor token processing for a corresponding token.
  • Step A3 the token monitoring function 320 of the merchant server 300 monitors the token information database 392 at a predetermined time period, and when the token processing is completed, the token processing is completed on the client 400.
  • step A4 of notifying the user the user operates the input unit 150 of the mobile communication terminal 100 to start an application that receives a netkey with a QR code, and scans the data including the netkey as an input parameter.
  • the client terminal 400 is notified of the token processing completion by the step A5 and the step A4 in which the application is executed, the token for the request of the step A6 and the step A6 requesting the merchant server 300 the token processing result screen.
  • Step A7 which generates the processing result screen and responds to the client terminal 400, the client terminal 400, includes step A8, which displays the received screen.
  • FIG. 9 is a sequence diagram of calling an application of an embodiment of the present invention in the system configuration of FIG.
  • the network unit 900 may be operated through the wireless communication unit 130 by operating the input unit 150.
  • the token issuance function 310 issues a token to step B1, and sends the data to the token information database 392.
  • a network key generated by combining the token and the merchant identification ID is generated, and the mobile communication terminal 100 responds to the mobile communication terminal 100, and the mobile communication terminal 100 receives the network key as a response to step B2.
  • Step B3 of calling the application according to the present embodiment using data as a parameter, and receiving the token and the result data when the application of the present example ends, displaying the result screen on the display unit 120. Includes B4.
  • FIG. 10 is a sequence diagram in which an application of an embodiment of the present invention is executed in the mobile communication terminal 100.
  • step C1 when the application of the embodiment of the present invention is executed in the mobile communication terminal 100, step C1, the smart safe executed in order from the flowchart parameter checking step S1 to the network key sending step S6 in FIG.
  • the server 200 receives a network key through the network 900, determines a validity of the network key, and extracts a token and merchant identification ID from the network key 210.
  • Authentication function that inquires into personal information database 291 whether International Mobile Equipment Identity (IMSDN) and Mobile Subscriber International ISDN Number (MSISDN) is a contracted subscriber's terminal used for smart vault service, and acquires personal identification ID if contracted terminal ( 220, the merchant server ID is acquired, and the merchant server 30 is configured by inspecting the communication network 910 with at least a token and a personal identification ID as parameters.
  • step C2 and the merchant server 300 to transmit to 0) when the purpose of the collected token is membership registration or payment mutual communication with the smart vault server 200 to complete the token processing.
  • the token information database 392 updates that the corresponding token is completed, and the step C3 and the smart vault server 200 responding to the smart vault server 200 with the processing result data including the token, processing the result data.
  • step C4 when the mobile communication terminal 100 receives the processing result data, the application calling the application according to the embodiment of the present invention, when receiving the processing result data. It includes step C5 to return to.
  • the token is issued by the affiliated server, and the valid time can be set as a unique identifier at the affiliated store.
  • the token is valid when the token is collected and processed by the affiliated server that issued the token within the set valid time.
  • the network includes at least one-time token and issuer identification information that issued the token, and the data type of the network includes a merchant server that issued the token and a smart vault server that receives the network key from the mobile communication terminal. It is a mutually agreed data type that can separate token and issuer identification information.
  • the smart vault is a server that stores and manages the subscriber's personal information for authentication and at least the member registration service and the authentication service, and the subscriber's payment information for the payment service.
  • the mobile communication terminal installs and executes an application for transmitting the net key, and transmits the network specialized data in the promised form, and the smart vault is in the promised form. Since only the network key is filtered and received, no control commands can be made to the smart vault from the outside.
  • the present invention can be applied to a subscription and authentication system and a payment system using a mobile communication terminal.

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Abstract

Dans un système sécurisé intelligent qui fournit un service d'authentification sans avoir besoin d'ID ni de mots de passe provenant de divers terminaux client et terminaux de communication mobile, qui fournit un service d'inscription de membres sans nécessiter d'informations personnelles et qui fournit un service de paiement sans exiger d'informations de paiement, la présente invention se rapporte à une application qui transmet une clé réseau en provenance d'un terminal de communication mobile et à destination d'un serveur sécurisé intelligent, et elle concerne également une API qui appelle ladite application. Le système sécurisé intelligent comprend au moins un serveur sécurisé intelligent destiné à une société de communication mobile et à un serveur de franchise, un terminal client incluant un terminal de communication mobile, et un terminal de communication mobile qui émet et reçoit la clé réseau. La clé réseau est caractérisée en ce qu'elle comprend un jeton émis par une franchise et l'ID de la franchise qui émet ledit jeton. Autrement dit, le serveur de franchise émet le jeton suite à une demande émanant du terminal client et fabrique la clé réseau, puis le terminal de communication mobile reçoit ladite clé réseau et la transmet au serveur sécurisé intelligent. Le serveur de franchise applique au jeton collecté par le biais du serveur sécurisé intelligent un traitement associé dépendant de son utilisation lors de la communication avec le serveur sécurisé intelligent.
PCT/KR2013/002823 2012-04-04 2013-04-04 Application destinée à l'authentification, inscription de membres et services de paiement utilisant un terminal de communication mobile WO2013151359A1 (fr)

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KR10-2012-0034677 2012-04-04
KR20120034677 2012-04-04

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Cited By (1)

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CN105989344A (zh) * 2015-02-26 2016-10-05 阿里巴巴集团控股有限公司 条码识别方法及装置

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KR20150053663A (ko) * 2013-11-08 2015-05-18 김주한 이동통신단말기를 이용한 다채널 인증과 금융 이체 방법 및 시스템
KR101628835B1 (ko) * 2015-06-25 2016-06-10 배재광 보안이 강화된 안심쇼핑 인증방법 및 시스템
KR101680525B1 (ko) * 2016-07-12 2016-12-06 김주한 앱 위변조 탐지 가능한 2채널 인증 대행 시스템 및 그 방법
KR101681457B1 (ko) 2016-08-22 2016-11-30 김주한 금융 이체를 위한 2채널 인증 시스템 및 그 방법

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KR20110003151A (ko) * 2009-07-03 2011-01-11 노틸러스효성 주식회사 자동이체 및 결제 동의시스템
KR20120015239A (ko) * 2010-08-11 2012-02-21 주식회사 하나은행 모바일을 이용한 결제 방법 및 이를 지원하는 장치
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* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN105989344A (zh) * 2015-02-26 2016-10-05 阿里巴巴集团控股有限公司 条码识别方法及装置

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