JP2007109014A - Electronic settlement approval method and system using short message service - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide an electronic settlement approval method and system using a simple and safe short message service. <P>SOLUTION: When a mobile communication subscriber is connected to an electronic shopping mall server, and requests price settlement, a settlement approval server provides a price settlement Web page, and receives a mobile communication terminal unit number and an authentication number from the mobile communication subscriber through the price settlement Web page, and requests the authentication of the subscriber to a mobile communication undertaker server. When receiving a code showing that subscriber authentication has been normally executed, the settlement approval server generates an occupancy approval number, and transmits it to the mobile communication terminal unit of a subscriber, and provides an occupancy approval number input Web page through the electronic shopping mall server to the subscriber, and makes the subscriber input the occupancy approval number, and compares the occupancy approval number input by the subscriber with the occupancy approval number transmitted by the short message service, and approves electronic settlement when they are matched with each other. <P>COPYRIGHT: (C)2007,JPO&INPIT

Description

  The present invention uses a mobile communication subscriber's terminal to approve the user's identity, confirms the mobile communication subscriber's trust through communication with the mobile operator's server, and confirms the personal credit The system is configured so that transactions can be carried out on the cyber by activating the e-commerce market, and ultimately, a new mobile communication terminal can be used to approve individuals and evaluate credit for individuals. It was devised to provide an economic paradigm.

  The present invention relates to an electronic payment approval method and a system for embodying the same in electronic commerce, and more specifically, when a mobile communication subscriber intends to purchase a product at an electronic shopping mall, the payment approval server An electronic payment approval method using a short message service, which refers to a mobile communication subscriber database of a subscriber already secured through interconnection with a mobile communication operator and approves a transaction for the product, and implements the same It is about the system for.

  Electronic commerce is a transaction of goods or services, all or part of which is processed by electronic methods such as electronic document exchange, and customers are virtually connected to a terminal such as a computer connected to the Internet. If you connect to a store ("electronic shopping mall") and find a product that you want to purchase, you will communicate your purchase intention to the electronic shopping mall and settle the price using a credit card, pre-paid card and online remittance. To do.

  On the other hand, when using a credit card in the conventional electronic commerce settlement method, the user directly inputs the credit card serial number and password via the Internet, so that the card information has an illegal intention. There is anxiety that there is a possibility of exposure to the person.

  In particular, recently, a virus program that senses a keyboard operation performed on a user's computer and transmits it to the outside has appeared, and the anxiety about illegal theft of credit card information has further increased.

  When using a prepaid card for e-commerce settlement, the user must purchase the card in advance, and if the remaining card is lost, the remaining amount may be refunded in cash. Can not. When online remittance is used for electronic commerce settlement, after the user communicates his / her intention to purchase goods, he / she visits the bank directly or uses telebanking or internet banking. There is inconvenience that you have to deposit the purchase price into your account. Such a purchase settlement method according to the prior art is a prepaid settlement that is performed in a state where a product is not secured above all, and therefore, an aspect of activating safe but convenient electronic transactions using an electronic shopping mall Shows the limit as before.

  On the other hand, as payment for content rapidly expands, various payment methods capable of performing payment for small amount content have been proposed.

  As an example, Patent Document 1 discloses a settlement method using a mobile phone number as a user ID. According to this document, when a user enters authentication information such as a mobile phone number and password at the time of content settlement, a billing server communicating with the content providing server registers the mobile phone number and password with the mobile phone company. When the registration of the mobile phone number and password is confirmed, the result is notified to the content providing server, and the content providing server permits the user to use the content, and the billing server is the mobile phone. Act on behalf of the company to store content usage fees. On the contrary, this document has the advantage of being able to carry out settlement of small contents conveniently, but it is possible for anyone to settle the contents against the user's intention as long as the user's mobile phone number and password are known. There are disadvantages.

As another example, Patent Document 2 discloses a method in which a password can be purchased using a mobile phone and content can be settled using the purchased password. According to this document, a user connects to a center server through the wireless Internet, pays a predetermined price, purchases a password, and then connects to a network server that provides content. Then, the network server provides the user with a page where the password can be entered. When the password entry page is provided, the user enters the password he / she purchased into the network server. The network server transmits the entered password to the center server and requests authentication. The center server checks whether the password purchased by the user is the same as the password entered through the network server, and reports the result to the network server. If the password is found to match, the network server allows the user to use the content. However, this document has a disadvantage in that it is inconvenient for the user because a procedure for purchasing a password must be taken separately in order to use paid content.
JP 2002-189952 A JP 2004-46286 A

  The present invention was devised to solve the problems of the prior art described in detail, and when a mobile communication subscriber purchases a product in an electronic shopping mall through a communication network, the mobile communication terminal input from the subscriber Mobile communication is performed after user authentication is performed using the machine number and an authentication number (for example, password) that can authenticate the identity of the subscriber, and the subscriber's credit information is obtained through linkage with the server of the mobile carrier. After generating an occupancy approval number that can authenticate the occupancy of the terminal and transmitting the occupancy approval number to the mobile terminal of the mobile carrier using a short message service (SMS) to the terminal of the subscriber, The exclusive approval number entered by the subscriber through the electronic shopping mall is compared with the exclusive approval number transmitted to the mobile carrier. It is an object of the present invention to provide an electronic payment approval method using a short message service and a system thereof for determining whether the payment is for a product and finally approving the payment for the product purchase at the electronic shopping mall.

  An electronic payment approval method using a short message service according to one aspect of the present invention for achieving the above technical problem is that the payment approval server of the operator uses the authentication information of the user's payment account and the information of the mobile communication subscriber. Approve electronic payments for purchase prices for goods sold online at electronic shopping malls in conjunction with mobile carriers' servers and communication networks that have a database of mobile subscribers stored in advance in real time. (A) a payment approval server, from a mobile communication subscriber computer connected to a server of an electronic shopping mall through a communication network, purchase information on a product including type information and purchase price information of a purchase target product; Authentication information of the user's settlement account including the subscriber's mobile communication terminal number and an authentication number for confirming the subscriber's identity. (B) the payment approval server transmits the authentication information of the user's payment account entered by the subscriber to the mobile communication operator's server. Requesting subscriber authentication and waiting for a response; and (c) when the mobile carrier server transmits a code indicating that the subscriber has been successfully authenticated, After generating the exclusive approval number, storing the exclusive approval number transmitted to the mobile communication subscriber's terminal using the short message service, and (d) providing the server of the electronic shopping mall as a medium The payment approval server is entered from the mobile communication subscriber's computer through the communication network through the exclusive authorization number input web page. After being transmitted occupancy approval number which includes the steps to approve electronic payment for settlement price of the commodity if the transmitted occupancy approval number and pooled occupancy approval number and match with each other.

  Desirably, the authentication of the subscriber includes a process of checking whether a user settlement account is registered and whether or not there is a reason for non-payment of settlement. At this time, the above-mentioned reasons for ineligible settlement are the case where the mobile communication subscriber has a late charge, the case where the use of the mobile communication terminal is stopped or canceled, the case where the mobile communication subscriber is a minor, This includes any one or more of cases where the mobile communication terminal is owned by a corporation or exceeds the settlement limit. In order to check whether or not the payment limit has been exceeded, it is preferable that in the step (b), the payment approval server further transmits purchase price information to the server of the mobile carrier.

Preferably, the authentication number is a password arbitrarily designated by the mobile communication subscriber.
In the present invention, in the step (a), the settlement approval server further transmits the electronic shopping mall identification code from the mobile communication subscriber computer through the electronic shopping mall server, and after the step (d). The payment approval server further includes a step of creating a database of payment details for the purchase price of the final payment-approved product, wherein the payment details include the identification code information of the electronic shopping mall that has been approved for payment, the type of the product that has been settled Includes information and payment.

  In the present invention, the payment approval server transmits the payment approval result of the product purchase price to the electronic shopping mall server, so that the electronic shopping mall server can make a database of the sales breakdown of the products finally approved for payment. Further comprising the steps of:

  In the present invention, the payment approval server transmits the payment approval result of the product purchase price to the mobile carrier server, so that the mobile carrier server purchases the mobile subscriber's product purchase in the subscriber database. The method may further include allowing the breakdown to be stored.

  An electronic payment approval method using a short message according to another aspect of the present invention for achieving the above technical problem is that the payment approval server of the operator uses the authentication information of the user's payment account and the information of the mobile communication subscriber. Approve electronic payments for purchase prices for goods sold online at electronic shopping malls in conjunction with mobile carriers' servers and communication networks that have a database of mobile subscribers stored in advance in real time. (A) purchase information of a product including type information and purchase price information of a product to be purchased from a mobile communication subscriber computer connected to a server of an electronic shopping mall through a communication network by a settlement approval server, and the subscription Authentication information of the settlement account of the user including the number of the mobile communication terminal of the user and the authentication number for confirming the subscriber's identity. (B) the payment approval server transmits the authentication information of the user's payment account entered by the subscriber to the mobile carrier server; Requesting transmission of subscriber authentication and exclusive approval number and waiting for a response; (c) after the mobile carrier server succeeds in authenticating the subscriber and generates an exclusive approval number consisting of random numbers When the exclusive approval number is transmitted to the mobile communication subscriber's terminal by a short text message and the code indicating that the subscriber has been successfully authenticated and the exclusive approval number are transmitted, the settlement approval server is transmitted. Storing the exclusive approval number, and (d) inputting the exclusive approval number through a web page for the exclusive approval number provided through the electronic shopping mall server. After the server transmits the exclusive approval number input by the subscriber through the communication network from the mobile communication subscriber's computer, the settlement of the product is performed if the transmitted exclusive approval number and the stored exclusive approval number match each other. Approving electronic payment for the price.

  An electronic payment approval system using a short message service according to an aspect of the present invention for achieving the other technical problems described above is a mobile communication terminal number for a large number of subscribers, a subscriber associated with the number. A database in which authentication number and mobile communication subscriber information for confirming the identity of a person are stored in advance and a mobile to connect to a server of an electronic shopping mall that sells products online to purchase a predetermined product The user's settlement account including the purchase information of the product including the type information and purchase price of the purchased product from the computer of the communication subscriber, the terminal number of the mobile communication subscriber and the authentication number for authenticating the subscriber's identity A payment approval server that accepts authentication information and an exclusive approval number generated from the payment approval server using a short message service The above-mentioned settlement approval server is transmitted using the mobile communication subscriber database so that the settlement price of the predetermined product is transmitted to the mobile communication subscriber's terminal and settled by postpayment through a bill bill issued by the mobile communication carrier. And a mobile service provider server linked through a communication network.

  Then, the settlement approval server (a) transmits the authentication information of the settlement account of the user input from the subscriber to the server of the mobile communication carrier, requests subscriber authentication, and waits for a response. (B) When a code indicating that the subscriber has been successfully authenticated is transmitted from the mobile carrier's server through the inquiry about whether or not the authentication information of the user's settlement account has been registered, an exclusive approval number consisting of a random number And transmits it to the mobile communication subscriber's terminal using a short message service, and (c) the mobile communication subscriber through an exclusive authorization number input web page provided through the electronic shopping mall server. After the exclusive approval number is input from the computer, the electronic approval is approved if the input exclusive approval number matches the transmitted exclusive approval number.

  An electronic payment approval system using a short message service according to another aspect of the present invention for achieving the other technical problems described above is a mobile communication terminal number for a large number of subscribers, a subscription associated with the number. To purchase a predetermined product by connecting to an online shopping mall server that sells products online and a database in which authentication numbers and mobile communication subscriber information for confirming the identity of the subscriber are stored in advance Purchase information of the product including the type information and purchase price of the purchased product from the mobile communication subscriber's computer, the user settlement including the mobile communication subscriber's terminal number and the authentication number for authenticating the subscriber's identity A payment approval server that accepts account authentication information, and a mobile communication subscriber's terminal using a short message service with a directly generated exclusive approval number Mobile communications linked to the above-mentioned settlement approval server and the communication network using the database of the mobile communication subscriber so that the settlement price of the predetermined product is settled by post-payment through a bill bill issued by the mobile communication carrier And the server of the operator.

  Then, the payment approval server (a) transmits the authentication information of the user's payment account input from the subscriber to the server of the mobile carrier, and requests the authentication of the subscriber and the transmission of the exclusive approval number. (B) The mobile operator's server succeeds in authenticating the subscriber through the inquiry about whether or not the authentication information of the user's settlement account is registered, and an exclusive approval number consisting of a random number generated directly is written in short characters. After transmitting the message service to the mobile communication subscriber's terminal, transmitting the code indicating that the subscriber has been successfully authenticated and the exclusive approval number, the transmitted exclusive approval number is stored, c) After the exclusive approval number is input from the mobile communication subscriber's computer through the web page of the exclusive approval number provided through the electronic shopping mall server, If there is a match than the occupancy approval number, which was stored the force has been occupied approval number to approve the electronic payment.

According to the present invention, by using a short message service through a mobile communication terminal to approve electronic payment, the following effects can be obtained.
First, it becomes possible to use a mobile communication terminal that has been expanded and spread throughout the nation as a new electronic payment means to replace credit cards and electronic money.
Second, by providing a step of occupancy authentication of the mobile communication terminal, which is the electronic payment means itself, it is possible to eliminate anxiety arising from illegal exposure of electronic payment account information.
Third, since the exclusive approval number generated in the exclusive authentication stage is a number that can be changed by a kind of random number, even if a person with illegal intentions knows the exclusive approval number through a predetermined method, mobile communication Unauthorized electronic payments that were not intended by a legitimate user cannot be made without occupying the terminal (acting like a credit card).
Fourth, it can be presented as an alternative to small payment methods (in the case of credit cards, the use of hundreds of won to thousands of won is uncomfortable) so the Internet market can be activated and content The contribution to charge is very large.
Fifth, since the expense is settled through the bill bills already issued by the mobile telecommunications carrier, the various expenses involved in the expense settlement process can be minimized.
Sixth, since the payment approval server provides a gateway-type service with expandability and versatility, the electronic shopping mall server and the mobile telecommunications company server build a separate solution and system to create their own electronic payment Instead of performing the agency service, a simple service for joining a corporate member to the payment approval server can be used to provide a payment service using a mobile communication terminal to its own members without building a separate system.
Seventh, e-shopping malls are expected to increase the amount of sales as electronic commerce is activated by enabling mobile subscribers who are buyers to easily pay for products sold. It becomes possible to receive the settlement price without taking additional trouble to receive the price from the person.
Eighth, the mobile telecommunications carrier sends a short message service (SMS) fee and storage agent by transmitting an exclusive approval number to the subscriber's terminal each time a mobile telecommunications subscriber performs an electronic commerce at an electronic shopping mall. There is an effect that the income with the commission can be obtained and the profit is increased.
Ninth, the payment approval server can accept payments for merchandise sales from electronic shopping malls and obtain approval fee income, and provides mobile operators with short message service fees and storage agent fees. Thus, it is possible to facilitate the purchase of goods by paying the mobile communication subscriber a purchase price by post-payment.

Hereinafter, preferred embodiments of the present invention will be described in detail with reference to the accompanying drawings.
FIG. 1 is a diagram schematically illustrating the configuration of an electronic payment approval system using a short message service according to an embodiment of the present invention.
Referring to FIG. 1, an electronic payment approval system using a short message service according to the present invention includes an electronic shopping mall server 20 connected to a mobile communication subscriber computer 10, a mobile communication terminal 12, and a communication network 50. And a settlement approval server 30 and a mobile communication operator server 40.

  The mobile communication subscriber owns the mobile communication terminal 12 and uses the subscriber's computer 10 to connect to the server 20 of the electronic shopping mall to purchase merchandise. Here, the merchandise includes all tangible or intangible merchandise, but is preferably paid content such as movies, comics, moving images, and ringtones. The subscriber's computer 10 executes an application such as a web browser and is connected to the electronic shopping mall server 20 through the communication network 50 as an input means for placing a purchase order for a product as a desktop computer or a notebook computer. And palmtop computers and personal digital assistants (PDAs).

  The electronic shopping mall server 20 includes a product database (DB) 22 that stores products to be sold, and a sales database (DB) 23 that stores sales information for products purchased by mobile communication subscribers. The mobile communication subscriber is linked to the real time through the payment approval server 30 and the communication network 50 for the payment for the product to be purchased by the mobile communication subscriber.

  The payment approval server 30 includes a processor 31 and a payment payment database 32 for payment approval for a purchase order of a subscriber input through the server 20 of the electronic shopping mall.

  When the mobile communication subscriber is requested to pay for a specific product from a website provided by the electronic shopping mall server 20, the payment approval server 30 inputs the mobile communication terminal 20 number and authentication number from the subscriber. After that, the mobile communication service server 40 is requested to authenticate the subscriber. As a result, when a code indicating that the subscriber has been successfully authenticated is received from the mobile service provider server 40, the settlement approval server 30 generates an exclusive approval number consisting of random numbers, and then the mobile service provider server. The occupancy approval number is transmitted to the terminal 12 of the mobile communication subscriber using a short message service (SMS) 40.

  As an alternative, the mobile service provider server 40 can directly generate the exclusive approval number and then transmit it to the mobile communication subscriber terminal 12 through the short message service. In such a case, the server 40 of the mobile communication carrier transmits the exclusive approval number transmitted to the mobile communication subscriber's terminal 12 to the settlement approval server 30 side.

  The authentication number used for subscriber authentication is registered in advance in the mobile carrier's server 40 and may be specified when the subscriber applies for the mobile communication service. Registration may be performed online through a website provided by the carrier 40 or the settlement approval server 30.

  Preferably, the authentication number can be registered in the process of performing electronic payment for the first time. In such a case, the subscriber inputs the authentication number twice together with the mobile communication terminal number when requesting electronic payment for the purchase price of the product. The reason why the authentication number is input twice is that the first input is for determining the authentication number, and the second input is for reconfirming the authentication number input by the subscriber.

  When the authentication number is registered in the first electronic settlement process, the mobile communication server 40 checks only whether or not the mobile communication terminal number is registered when performing subscriber authentication. Is registered as the authentication number of the corresponding mobile communication terminal number. Thereafter, a code indicating that the subscriber has been successfully authenticated is transmitted to the payment approval server 30.

  On the other hand, the server 40 of the mobile communication carrier can further check whether or not there is a reason for failure of the subscriber in the course of authenticating the subscriber. Reasons for ineligibility for payment include: if the subscriber is overdue for mobile communication charges, if the use of mobile communication terminal is suspended or canceled, if the monthly payment limit exceeds the payment limit, For example, it is a number of a mobile communication terminal owned by a corporation, or a number of a mobile communication terminal of a minor. It is desirable that the mobile communication service provider server 40 cumulatively manages the payment amount of the mobile communication subscriber in order to check whether the payment limit is exceeded. For example, when the monthly settlement limit is determined, the mobile communication provider's server 40 accumulates and manages the settlement amount for the corresponding month for each mobile communication subscriber.

  The mobile carrier's server 40 stores a mobile subscriber database (DB) that stores the terminal number and authentication number for the subscriber, and information on various mobile subscribers who can determine the reasons for non-payment of payment. 42). Here, the subscriber's terminal number and authentication number constitute a kind of user settlement account. Then, the server 40 of the mobile communication carrier performs subscriber authentication at the request of the payment approval server 30 and transmits the result to the payment approval server 30. Furthermore, the exclusive approval number generated directly or generated by the payment approval server 30 is transmitted to the mobile communication subscriber's terminal 12 using the short message service. When the server 40 of the mobile communication carrier directly generates the exclusive approval number, the generated exclusive approval number is transmitted to the payment approval server 30.

  The electronic shopping mall server 20 receives the exclusive approval number received by the mobile communication terminal 12 from the subscriber through the communication network 50 and transmits it to the settlement approval server 30.

  The settlement approval server 30 includes the exclusive approval number input / transmitted via the server 20 of the electronic shopping mall and the exclusive approval number transmitted to the mobile communication subscriber's terminal 12 through the server 40 of the mobile communication carrier. And a code indicating that the approval of the payment has been made is transmitted to the server 20 of the electronic shopping mall and the server 40 of the mobile communication carrier, and the breakdown of the payment approval is stored in the price payment database 33. Store. Here, the breakdown of payment approval includes a product code, a payment amount of the product, a name of the product, a date and time of payment approval, a code of an electronic shopping mall, and the like. On the other hand, if the exclusive approval numbers do not match, the payment approval server 30 notifies the server 20 of the electronic shopping mall and the server 40 of the mobile telecommunications carrier that the approval has been rejected, and the payment for the merchandise purchase of the subscriber is approved. Do not be.

  As described above, when the approval of the payment for the purchase order of the product is successfully performed, the electronic shopping mall provides the product ordered by the subscriber and stores the sales breakdown of the product in the sales database 23. The sales breakdown of the merchandise includes a merchandise code, a settlement amount of the merchandise, a name of the merchandise, a quantity of the merchandise, a settlement approval date and time, a subscriber's personal information (for example, ID), and the like.

  The money settled by the present invention is stored by the mobile communication company on behalf of the electronic shopping mall company. Then, the mobile carrier pays the rest of the stored price, excluding some fees, to the operator of the settlement approval server 30, and the operator of the settlement approval server 30 excludes some of the fees paid. The remaining price is paid to the operating company of the electronic shopping mall server 20.

  In the present invention, the communication network 50 refers to the Internet that connects the whole world using the TCP / IP (Transmission Control Protocol / Internet Protocol) protocol, and the wireless communication network 52 refers to the CDMA (code division multiple access). , TDMA (time division multiple access), handheld phone adopting IMT2000, handheld phone, cellular phone, mobile phone (mobile phone), etc. can transmit voice and data A communication network that can be used.

  In the present invention, the settlement approval server 30 approves the payment for the product purchased by the mobile communication subscriber using the subscriber information provided in the server 40 of the mobile communication operator, so that the subscriber can separately use a credit card and Eliminating unnecessary payment methods such as online remittance, making it easier to purchase merchandise, and reducing the inconvenience of charging and receiving payments for merchandise purchasers at electronic shopping mall operators It will be possible to activate electronic commerce. Further, in order to confirm whether or not the merchandise purchaser who has made the settlement request substantially occupies the mobile communication terminal 12, the mobile communication terminal generates an occupation approval number which is a kind of random number and uses a short message. After the data is transmitted to the subscriber of the machine 12 and re-entered through the communication network 50 to confirm whether or not the match is confirmed, a safer credit transaction can be realized by Internet electronic commerce by approving the final settlement for the product purchase. It becomes like this. Even if a third party with an illegal intention knows the occupation approval number used in the past, the third party must make an illegal electronic payment if the mobile communication terminal 12 is not occupied at the present time. Can not be.

Hereinafter, an electronic payment approval method using a short message service according to an embodiment of the present invention will be described in detail with reference to the drawings.
FIG. 2 is a data processing diagram showing an electronic payment approval method using a short message service according to an embodiment of the present invention.
Referring to FIGS. 1 and 2, the electronic payment approval procedure according to the present invention is as follows. First, after a mobile communication subscriber connects to the electronic shopping mall server 20 through the communication network 50 using the subscriber's computer 10, A purchase order is placed (S110). When the subscriber places a purchase order, the user moves to a price settlement web page and proceeds to settle the price.

FIG. 3 is a diagram illustrating a web page provided to a person who proceeds with electronic payment in the electronic payment approval method using the short message service according to the embodiment of the present invention.
First, as shown in FIG. 3A, the server 20 of the electronic shopping mall asks the subscriber whether or not the authentication number has already been registered (S120). In such a case, if the subscriber has already registered the authentication number (settlement after the second), “Yes”, and if the authentication number has not been registered (first settlement), “No”. Select (S130).

  Then, the server 20 of the electronic shopping mall provides the price settlement web page shown in FIG. 3B to the subscriber who has registered the authentication number, and FIG. The payment settlement web page shown in c) is provided (S140). Unlike the price settlement web page shown in FIG. 3B, the price settlement web page in FIG. 3C includes two interfaces for inputting an authentication number. The reason is that a subscriber who has not registered an authentication number is input with the authentication number through the payment settlement web page of FIG. 3C and performs a procedure of registering with the mobile communication company. In the payment settlement web page of FIG. 3 (c), the upper authentication number input field is for determining the authentication number, and the lower authentication number input field confirms again the authentication number determined by the subscriber. Is for.

  In step S140, the subscriber who is provided with the payment settlement web page requests the settlement after inputting the mobile communication terminal 12 number and the authentication number occupied by the subscriber (S150). In the case of the payment settlement web page in FIG. 3C, the authentication number is input twice.

  When payment is requested, the payment approval server 30 sends the mobile communication terminal number and authentication number, payment target product information (product name, product quantity, product payment amount, subscriber ID) from the electronic shopping mall server 20. , An electronic shopping mall ID) and a determination flag of whether or not the first payment is possible (1 is the first payment, 2 is the second and subsequent payments) (S160). Thereafter, the payment approval server 30 transmits the mobile communication terminal number, the authentication number, and the flag for determining whether or not the initial payment is possible to the server 40 of the mobile communication carrier and requests subscriber authentication (S170).

  Then, the mobile communication provider server 40 refers to the mobile communication subscriber database 42 and proceeds with the subscriber authentication procedure, and transmits the result code to the payment approval server 30 (S180). The subscriber authentication is performed differently depending on the flag for determining whether or not payment is possible at first.

  That is, when a flag indicating the first settlement is received, the mobile carrier server 40 checks whether the mobile subscriber number is registered in the mobile subscriber database 42, and If the terminal number is registered, the authentication number entered by the subscriber on the payment settlement web page (FIG. 3 (c)) is stored in association with the terminal number, and the subscriber is successfully authenticated. A code to the effect is transmitted to the payment approval server 30. On the other hand, if it is determined that the mobile communication subscriber's terminal number is not registered in the mobile communication subscriber database 42, a code indicating that the authentication of the subscriber has failed is transmitted to the settlement approval server 30.

  When a flag indicating the second and subsequent payments is received, the mobile carrier server 40 checks whether the mobile subscriber number is registered in the mobile subscriber database 42. If the terminal number is registered, the authentication number stored in association with the terminal number is matched with the authentication number entered by the subscriber on the payment settlement web page (FIG. 3B). Check whether it is possible. As a result, if it is confirmed that the authentication numbers match each other, a code indicating that the subscriber has been successfully authenticated is transmitted to the payment approval server 30. On the other hand, if it is determined that the mobile communication subscriber's terminal number is not registered in the mobile communication subscriber database 42 or if the authentication numbers do not match each other, the subscriber authentication has failed. The code is transmitted to the payment approval server 30.

  On the other hand, the server 40 of the mobile communication carrier can check whether or not there is a reason for ineligibility for payment to the subscriber in the process of authenticating the subscriber. Reasons for ineligibility for payment include: if the subscriber is overdue for mobile communication charges, if the use of mobile communication terminal is suspended or canceled, if the monthly payment limit exceeds the payment limit, For example, it is a number of a mobile communication terminal owned by a corporation, or a number of a mobile communication terminal of a minor.

  If there is a problem with the subscriber as a result of the non-payment reason, the mobile service provider server 40 can be registered even if the mobile communication terminal number and authentication number are registered in the mobile communication subscriber database 42. A code indicating that the authentication has failed is transmitted to the payment approval server 30. In order to check the reason for non-payment of payment, it is preferable that the payment approval server 30 further transmits the payment amount data to the mobile communication provider server 40 when requesting the subscriber authentication. The settlement amount data transmitted in this way is used to determine whether or not the settlement limit is exceeded among the reasons for ineligible settlement. That is, the server 40 of the mobile telecommunications carrier has a value obtained by adding the accumulated payment amount of the mobile communication subscriber stored in the mobile communication subscriber database 42 and the amount requested for payment exceeding a predetermined settlement limit. Determine whether or not.

  If the settlement approval server 30 transmits a code indicating that the subscriber authentication is successful from the mobile carrier 40 through the subscriber authentication process described in detail, it is shown in FIG. 3d to the electronic shopping mall server 20 side. Requesting the output of the input web page of the exclusive approval number (S190). Then, the server 20 of the electronic shopping mall waits after providing the subscriber with the input web page for the exclusive approval number (S200). The exclusive approval number input web page preferably includes a message indicating that the exclusive approval number transmitted to the short message service must be input within a predetermined time.

  On the other hand, when the subscriber who has requested the payment through the steps S170 and S180 is successfully authenticated, the payment approval server 30 generates an exclusive approval number consisting of a random number and then transmits it to the mobile carrier server 40. It requests to transmit the exclusive approval number to the subscriber's terminal 12 by the short message service, and stores the generated exclusive approval number (S210). Then, the mobile service provider server 40 transmits the occupation approval number to the mobile communication subscriber terminal 12 by the short message service (S220).

  On the other hand, as an alternative, the occupation approval number may be generated by the server 40 of the mobile carrier. That is, when the subscriber authentication is normally performed, the mobile communication carrier server 40 directly generates the exclusive approval number and then transmits the exclusive approval number to the mobile communication subscriber's terminal 12 by the short message service. Thereafter, when the code indicating that the subscriber authentication is successful is transmitted to the payment approval server 30, the exclusive approval number transmitted by the short text message is transmitted together. Then, the payment approval server 30 stores the transmitted exclusive approval number.

  When the subscriber authentication is normally performed and the exclusive approval number is transmitted by the short message service, the subscriber inputs the exclusive approval number to the exclusive approval number input web page provided from the server 20 of the electronic shopping mall ( S230).

  If the exclusive approval number is input, the electronic shopping mall server 20 transmits the exclusive approval number input by the subscriber to the payment approval server 30 (S240). Then, the settlement approval server 30 checks whether the exclusive approval number transmitted by the short message service and the exclusive approval number entered by the subscriber through the input web page of the exclusive approval number match each other.

  As a result, when the exclusive approval numbers match each other, the payment approval server 30 generates a payment approval code and transmits it to the server 20 of the electronic shopping mall and the server 40 of the mobile communication carrier (S250). Here, the fact that the occupation approval numbers coincide with each other means that the subscriber directly occupies the mobile communication terminal 12 which is a settlement means. Then, the payment approval server 30 creates a database of payment approval details. The breakdown of payment approval includes a product code, a payment amount of the product, a name of the product, a date and time of payment approval, a code of an electronic shopping mall, and the like. On the other hand, when the settlement approval server 30 transmits the settlement approval code to the mobile communication provider's server 40 side, it transmits the breakdown of the settlement approval together.

  When the payment approval code is transmitted from the payment approval server 30, the electronic shopping mall server 20 records the product sales breakdown in the sales database 23. The merchandise sales breakdown includes a merchandise code, a merchandise payment amount, a merchandise name, a merchandise quantity, a settlement approval date and time, a subscriber's personal information (for example, ID), and the like.

  As described above, after the payment approval for the merchandise purchase price is performed, when the database for the breakdown of the payment approval and the breakdown of the merchandise sales is completed, the electronic payment according to the present invention is completed. When the electronic payment is completed, the operator of the electronic shopping mall provides the subscriber with the product purchased by the subscriber.

  Next, a process of paying a settlement fee for the product purchased by the subscriber will be described. The mobile communication carrier charges the settlement fee to the subscriber through a mobile communication fee bill in a post-payment manner and receives it (S260). For example, the mobile communication carrier can bill the subscriber once a month by adding the payment price to the usage fee of the mobile communication terminal.

  The mobile telecommunications carrier remits the amount of payment received excluding the storage agent fee to the operating company of the payment approval server (S270). In addition, the operating company of the payment approval server 30 calculates a part of the payment price received from the mobile carrier as an approval fee and passes the remaining payment price excluding the amount to the operating company of the electronic shopping mall. Remit money (S280).

  As described above, the payment approval for the product ordered by the mobile communication subscriber connected to the electronic shopping mall through the communication network 50 is approved by the payment approval server 30, and the subscriber pays separately through credit card or online remittance. The product can be purchased without going through the procedure, and the operating company of the electronic shopping mall can reduce inconvenience due to settlement and receipt of the sold product.

  As described above, the present invention has been described with reference to the embodiments and the drawings which are limited, but the present invention is not limited thereto, and is described in the ordinary technical idea and claims in the technical field to which the present invention belongs. It goes without saying that various modifications and changes can be made within the equivalent scope of the appended claims.

1 is a diagram schematically illustrating a configuration of an electronic payment approval system using a short message service according to an embodiment of the present invention. 1 is a diagram illustrating a data processing process of an electronic payment approval method using a short message service according to an embodiment of the present invention. 1 is a diagram illustrating a web page provided to a person who proceeds with electronic payment in an electronic payment approval method using a short message service according to an embodiment of the present invention;

Claims (10)

The operator's payment approval server is implemented through a communication network and a mobile communication provider's server that includes a mobile communication subscriber database that stores user payment account authentication information and mobile communication subscriber information in advance. In the method of approving electronic payments for product purchase prices sold online at electronic shopping malls in conjunction with time,
(A) Purchase information of a product including type information and purchase price information of a product to be purchased from a mobile communication subscriber computer connected to a server of an electronic shopping mall through a communication network by a payment approval server, and the mobile communication of the subscriber A step of inputting authentication information of a user's settlement account including a terminal number and an authentication number for confirming the identity of the subscriber through a communication network through the server of the electronic shopping mall;
(B) the payment approval server transmits authentication information of the user's payment account input by the subscriber to the mobile carrier server, requests authentication of the subscriber, and waits for a response;
(C) When the mobile operator's server transmits a code indicating that the subscriber has been successfully authenticated, the settlement approval server generates an exclusive approval number, and then uses the short message service to perform mobile communication. Storing the occupancy authorization number transmitted to the terminal of the subscriber and transmitted;
(D) The exclusive approval number that the payment approval server inputs from the mobile communication subscriber's computer through the communication network through the communication network through the exclusive approval number input web page provided through the electronic shopping mall server. And a step of authorizing electronic payment for the payment for the goods if the transmitted exclusive approval number and the stored exclusive approval number coincide with each other. Was the electronic payment approval method.   2. The electronic payment approval method using the short message service according to claim 1, wherein the authentication of the subscriber is to check whether or not there is a reason for non-eligibility for payment as well as whether or not a user payment account is registered. The reasons for ineligibility for settlement include the case where the mobile communication subscriber has a late charge, the case where the use of the mobile communication terminal is stopped or canceled, the case where the mobile communication subscriber is a minor, the mobile communication terminal Including one or more of when the machine is corporate-owned or when the settlement limit is exceeded,
3. The method according to claim 2, wherein, in the step (b), the payment approval server transmits purchase price information to a server of a mobile communication carrier for checking whether the payment limit is exceeded. An electronic payment approval method using a short message service.   2. The electronic settlement approval method using a short message service according to claim 1, wherein the authentication number is a password arbitrarily designated by a mobile communication subscriber. In the step (a), the settlement approval server further transmits the electronic shopping mall identification code from the mobile subscriber computer through the electronic shopping mall server,
After step (d) above,
The payment approval server further includes a step of creating a database of payment details for the purchase price of the final payment-approved product, wherein the payment details include the identification code information of the electronic shopping mall that has been approved for payment, and the type information of the product that has been settled. The electronic payment approval method using the short message service according to claim 1, further comprising:   The payment approval server transmits the payment approval result of the product purchase price to the electronic shopping mall server, so that the electronic shopping mall server can make a database of the sales breakdown of the final approved products for payment. The electronic payment approval method using the short message service according to claim 5, further comprising:   The payment approval server transmits the payment approval result of the product purchase price to the mobile carrier server, so that the mobile carrier server stores the mobile phone subscriber product purchase breakdown in the subscriber database. The electronic payment approval method using the short message service according to claim 5, further comprising a step of enabling the electronic message. The operator's payment approval server is implemented through a communication network and a mobile communication provider's server that includes a mobile communication subscriber database that stores user payment account authentication information and mobile communication subscriber information in advance. In the method of approving electronic payments for product purchase prices sold online at electronic shopping malls in conjunction with time,
(A) Purchase information of a product including type information and purchase price information of a product to be purchased from a mobile communication subscriber computer connected to a server of an electronic shopping mall through a communication network by a payment approval server, and the mobile communication of the subscriber A step of inputting authentication information of a user's settlement account including a terminal number and an authentication number for confirming the identity of the subscriber through a communication network through the server of the electronic shopping mall;
(B) The settlement approval server transmits the authentication information of the user's settlement account entered by the subscriber to the mobile carrier server, requests the subscriber authentication and the transmission of the exclusive approval number, and waits for a response. And the stage of
(C) After the mobile communication operator's server has successfully authenticated the subscriber and generated an exclusive approval number consisting of random numbers, it transmits the exclusive approval number to the mobile communication subscriber's terminal by a short text message; When transmitting the code indicating that the subscriber has been successfully authenticated and the exclusive approval number, the settlement approval server stores the transmitted exclusive approval number;
(D) The exclusive approval number entered by the subscriber through the communication network from the mobile communication subscriber's computer via the web page of the exclusive approval number provided through the electronic shopping mall server as a medium. And a step of approving electronic payment for the payment for the goods if the transmitted exclusive approval number and the stored exclusive approval number match each other after being transmitted. Was the electronic payment approval method. A mobile communication terminal number for a large number of subscribers, an authentication number for confirming the identity of the subscriber associated with this number, and a database in which mobile subscriber information is stored in advance, and online products Purchasing information of the product including the type information and purchasing price of the purchased product from the computer of the mobile communication subscriber who wants to purchase a predetermined product by connecting to the server of the electronic shopping mall to be sold, and the terminal number of the mobile communication subscriber And a settlement approval server that accepts authentication information of the settlement account of the user including an authentication number for authenticating the identity of the subscriber, and an exclusive approval number generated from the settlement approval server using a short message service The data is transmitted to the mobile communication subscriber's terminal, and the payment for the specified product is settled on a post-payment basis through a bill bill issued by the mobile communication carrier. And mobile communication operator server that works through the payment authorization server and the communication network by using a database of mobile communication subscribers so that, in the electronic payment authorization system using the short message service, including,
The payment approval server
(A) Transmit the authentication information of the user's settlement account input from the subscriber to the mobile carrier's server, request subscriber authentication, and wait for a response;
(B) When a code indicating that the subscriber has been successfully authenticated is transmitted from the mobile carrier's server through the inquiry about whether or not the authentication information of the user's settlement account is registered, an exclusive approval number consisting of a random number is obtained. Generate and transmit it to the mobile subscriber's terminal using a short message service,
(C) Occupation Approval Number Provided with the Occupation Approval Number Provided via the Server of the Electronic Shopping Mall After Entering the Occupation Approval Number from the Mobile Communication Subscriber's Computer Through the Web Page An electronic payment approval system using a short message service, characterized in that an electronic payment is approved if it matches the approval number. A mobile communication terminal number for a large number of subscribers, an authentication number for confirming the identity of the subscriber associated with this number, and a database in which mobile subscriber information is stored in advance, and online products Purchasing information of the product including the type information and purchase price of the purchased product from the computer of the mobile communication subscriber who wants to purchase a predetermined product by connecting to the server of the electronic shopping mall to sell, and the terminal number of the mobile communication subscriber And a payment approval server that accepts the authentication information of the user's payment account including an authentication number for authenticating the subscriber's identity, and a directly generated exclusive approval number using a short message service of the mobile communication subscriber Mobile communication subscription so that the payment for the specified product is settled by postpayment through the bill bill issued by the mobile carrier. In electronic payment authorization system using the short message service, including, mobile communication operator of the server on which to work through the above-mentioned settlement authorization server a communication network by using the database,
The payment approval server
(A) Transmit the authentication information of the user's settlement account input from the subscriber to the mobile carrier's server, request the subscriber's authentication and transmission of the exclusive approval number, and wait for the response;
(B) A mobile communication subscriber uses a short text message service to obtain an exclusive approval number consisting of a random number directly generated by the mobile carrier's server successfully authenticating the subscriber through an inquiry as to whether or not the authentication information of the settlement account of the user is registered. After transmitting to the terminal, when transmitting the code indicating that the subscriber has been successfully authenticated and the above-mentioned exclusive approval number, the transmitted exclusive approval number is stored,
(C) After the exclusive approval number is input from the mobile communication subscriber's computer through the input web page of the exclusive approval number provided through the electronic shopping mall server, the input exclusive approval number and the stored occupation are stored. An electronic payment approval system using a short message service, characterized in that an electronic payment is approved if it matches the approval number.

Images