KR20020065989A - A payment settlement method using payment code on screen of mobile communication terminal - Google Patents

Abstract

The payment method using the payment code on the mobile communication terminal of the present invention is a mobile communication terminal payment system to download and store the payment code in the mobile communication terminal, the mobile terminal through the user authentication of whether the user is authorized user Displaying a payment code stored in the communication terminal, requesting the transaction approval by reading the payment code displayed on the mobile communication terminal and transmitting the read payment code and transaction history information during the transaction, and approving each transaction. Generating a number and transmitting the approval number and the approval history and payment amount corresponding to the approval number to the mobile communication service provider and the user, adding the payment amount to the mobile communication fee and issuing a bill; In the step of depositing the charges of the mobile communication charge bills to settle payment fees It is sex.

Description

Payment method using payment code on mobile communication terminal {A PAYMENT SETTLEMENT METHOD USING PAYMENT CODE ON SCREEN OF MOBILE COMMUNICATION TERMINAL}

The present invention relates to a payment method using a mobile communication terminal, and in particular, to execute a payment using a unique payment code which is downloaded and stored in a mobile communication terminal on / offline or connected to a wireless internet site for each transaction. The present invention relates to a payment method using a payment code on a mobile communication terminal.

Recently, as industrialization progresses and the credit society arrives, the indirect payment method of paying by using a credit card is rapidly expanding from the direct payment method that pays money when purchasing goods. This indirect payment method is widely recommended in the country because it can prevent problems of the tax portal due to transparent transaction details.

In addition, in recent years, as the wired / wireless Internet is spreading, the credit card is widely used for payment of electronic commerce. In the payment of Internet e-commerce using a credit card, payment authentication occurs by a user inputting his or her own information such as a social security number and a credit card number.

However, the following problem occurs in the payment method using a credit card as described above.

First, only a limited number of people can get credit cards. In general, when a credit card company issues a card based on the income level of the target person or the degree of financial credit, it is very difficult for the financially difficult person or the person with low credit card to obtain a credit card. .

Second, there are a lot of dormant cards that are not currently used. Credit card users typically receive and hold multiple credit cards, but only one or two credit cards are actually used for payment. Therefore, there are many unused dormant cards. These dormant cards not only incur the cost of issuing unused cards to credit card companies, but also cause problems of management of unused cards to card users. .

Third, not only a lot of money is consumed when issuing and mailing a credit card bill, but also other cards can be used even if the card holder is stopped for a bad trader.

Fourth, a credit card holder usually keeps it in a wallet because it is often impossible to recognize the fact immediately when stolen or lost.

The present invention has been made in view of the above, by downloading and storing a payment code in a mobile communication terminal or receiving a payment code for every transaction through the wireless Internet, and then reads the payment code displayed on the screen of the mobile communication terminal. An object of the present invention is to provide a payment settlement method using a payment code on a mobile communication terminal that executes payment settlement.

In order to achieve the above object, the payment method according to the present invention is to subscribe to the mobile communication terminal payment system to download and store the payment code in the mobile communication terminal, and through the user authentication of whether the user is an authorized user Displaying a payment code stored in a mobile communication terminal, requesting a transaction approval by reading a payment code displayed on the mobile communication terminal and transmitting the read payment code and transaction history information in a transaction; Generating an approval number and transmitting the approval number and the approval history corresponding to the approval number and the payment amount to the mobile communication service provider and the user, and summing the payment amount to the mobile communication fee and issuing a bill; And depositing a charge of the mobile communication charge bill and calculating the payment amount .

The present invention of the above configuration is possible to pay online and offline. Therefore, the payment settlement method using the mobile communication terminal of the present invention can be usefully used in electronic commerce using wired and wireless Internet.

1 is a simplified block diagram showing a payment settlement system using a payment code on a mobile communication terminal according to the present invention.

Figure 2 is a block diagram showing the structure of a mobile phone and payment code reader of the payment system according to the present invention.

3 is a block diagram showing the structure of a payment system server according to the present invention.

4 is a flowchart showing a payment method using a payment code on a mobile phone according to the present invention.

Fig. 5 is a flowchart showing a payment method in electronic commerce using the Internet.

Fig. 6 is a flowchart showing a payment method in electronic commerce using the wireless internet.

Explanation of symbols on the main parts of the drawings

1: network 3: mobile phone

5: Payment code reader 7: Mobile operator

9: mobile phone payment service provider 11: payment code receiver

13: payment code storage unit 15: payment code display unit

21: payment code reader 22: transaction approval request unit

24: Payment approval judgment unit 31: Payment code and transaction history input unit

33: transaction approval judgment unit 35: approval number generation unit

In the present invention, after storing the payment code in the mobile communication terminal or received in real time, the payment code is displayed on the screen of the mobile communication terminal to perform the payment by reading the displayed payment code by the payment code reader. Will be. This payment code is a unique code for each mobile communication terminal user. The payment code authenticates each mobile communication terminal user by the payment code and the mobile communication terminal subscriber number (ie, the mobile communication number). In this case, the payment code is provided at the time of subscription to the mobile communication terminal, and is regularly or irregularly upgraded to prevent security problems, or at the time of every transaction according to the user's request to the mobile phone payment service server of the Internet Access can be granted in real time.

In the case of making a payment using a payment code on a mobile terminal, the payment is charged in addition to the mobile communication fee issued by the mobile communication provider, and the mobile terminal user pays the sum added to the mobile communication fee. Final payment is completed.

Hereinafter, a payment method using a payment code on a mobile communication terminal according to the present invention will be described in detail with reference to the accompanying drawings. In general, the mobile communication terminal of the present invention includes a general mobile phone or PDA, etc., but in the following description, a mobile phone is mainly described for convenience of description.

1 is a view showing a payment system using a payment code on a mobile communication terminal of the present invention. As shown in the figure, the payment system of the present invention is a mobile phone (3) and the mobile phone (3) to download and store the payment code or receive a payment code for every transaction through the wireless Internet and to display it on the screen; Payment code reader (5) for reading the payment code displayed on the screen and connected to the payment code reader (5) through the network (1) to verify the validity and usage when the payment approval request is a legitimate transaction The mobile phone payment service provider 9, which generates an authorization number and writes a payment specification, is connected to the payment code reader 5 and the mobile phone payment service provider 9 through the network 1 to the mobile phone payment service provider 9. It consists of a mobile telecommunications provider (7) to receive the payment bill specification processed by the billing and to charge the user the payment bill combined with the mobile phone bill.

In the mobile phone 3, when a mobile phone user subscribes to a mobile phone payment service, a payment code for proving the user is downloaded and stored, and the downloaded payment code is displayed on the screen of the mobile phone at the time of mobile phone payment. The reader 5 reads. The payment code is usually in the form of a bar code, but the shape need not be limited. That is, not only a bar code shape, but also various shapes for authenticating a user are possible, and codes made of a combination of numbers and letters are possible.

In this case, the payment code is not downloaded when the mobile phone payment service is subscribed, but is received through the wireless Internet for each transaction, and it is also applicable to the present invention to display it on the screen of the mobile phone.

In addition, the payment code reader 5 may be manufactured in a form almost similar to a general barcode reader. However, in view of the fact that the payment code in the present invention is displayed on the display screen of the mobile phone, a reader having improved performance over a general barcode reader would be preferable. It is preferable that the payment card reader 5 is formed integrally with a general credit card payment inquiry terminal device to execute credit card payment and mobile phone payment by one device.

The structure of the mobile phone 3 and payment code reader 5 is shown in FIG. As shown in the figure, the mobile phone 3 includes a payment code receiving unit 11 for downloading a payment code from a mobile phone payment service provider 9 when subscribing to a mobile payment service, and a storage unit 13 for storing the downloaded payment code. And a payment code display unit 15 for displaying the payment code stored in the storage unit 13 so as to be read by the payment code reader 5, and inputting the user's password to authenticate that the user is an authorized user. It is composed of an authentication unit 17 for displaying only the payment code through the payment code display unit 15 if the.

In addition, the payment code reader 5 reads by the payment code reading unit 21 and the payment code reading unit 21 which reads the payment code displayed on the payment code display unit 5 of the mobile phone 3. A transaction approval request unit 22 for inputting transaction details such as a transaction amount and an installment month number and requesting a mobile device payment provider 9 to approve the transaction, and a mobile phone payment service provider according to the transaction approval request. When approving the transaction is composed of a transaction approval determination unit 24 to recognize that the current transaction has been approved, and the transaction status output unit 23 for outputting the transaction status of the user provided to the user when the transaction approval is made.

As shown in FIG. 3, the payment server of the mobile phone service provider 9 receives a payment code and a transaction history read from the payment code reader 5 through a network 1 and a transaction history input unit 31. And a transaction approval request unit 33 for determining whether the current transaction is a valid transaction based on the read payment code and the transaction history, and a transaction approval request input from the payment code reader 5 when the current transaction is a valid transaction. In response to the approval number generator 35 for generating an approval number corresponding to each transaction, and the generated approval number to the payment code reader 5, the user mobile phone 3 and the mobile communication provider (7) Sending approval number output unit 37 for confirming whether or not to approve each transaction by sending, and if the transaction approval is made, the payment amount specification for the transaction corresponding to the approval number for each transaction Consists Payment history transmission unit 39 for transmission to the same carrier (7).

As described above, when the payment amount specification for the transaction is transmitted to the mobile communication service provider 7, the mobile communication service provider adds the payment price to the mobile phone usage fee and sends a bill (bill) to the mobile phone user.

Using the system of the above structure will be described in detail how to make the actual payment using the payment code on the mobile phone.

First, as shown in FIG. 4, when a mobile phone user applies for a mobile phone payment usage (S101), the mobile phone payment operator sets a monthly use limit in consideration of the applicant's job, age, and income level and transmits a payment code. (S102). The mobile phone user downloads the payment code transmitted by the mobile phone payment operator to the mobile phone and stores it (S103).

Subsequently, when the user purchases an item or uses a service, when a user wants to make a payment using a mobile phone, the user first authenticates whether the user is an authorized user by entering a password into the mobile phone (S104). If the user is an authenticated user (that is, if the password is correct), the payment code display unit of the mobile phone is displayed (S105).

On the other hand, although not shown in the figure, the payment code may be made of a one-time payment code. In this case, the one-time payment code is downloaded in real time to the mobile phone through the wireless Internet at every transaction, and payment can be made by displaying the downloaded payment code on the screen of the mobile phone. In this case, the mobile phone payment service provider may allow the mobile phone user to download and store the payment code upon subscription of the service or to use the payment code uniquely assigned to the transaction through the Internet for each transaction. If the user wants to download the one-time payment code, the user authentication is not an open-line authentication, but the authentication process is performed in real time by inputting a password already registered while accessing the wireless Internet. After authentication, the one-time payment code is displayed on the screen display.

The payment code displayed on the mobile phone screen is read by the payment code reader 5 installed in the affiliated store with which the user deals (S106). The payment code reader 5 inputs various transaction details such as a transaction amount and an installment month number together with the read payment code and transmits it to the mobile phone payment service provider to request transaction approval (S107). The mobile phone payment operator verifies the payment code and transaction details transmitted from the payment code reader, and generates and assigns an authorization number for the transaction in case of a legitimate transaction (S108, S109). Subsequently, the mobile phone payment operator transmits the corresponding authorization number and the approval details (i.e., payment details) to the payment code reader 5 and the user's mobile phone 3, and simultaneously responds to the approval number and the approval number to the mobile communication service provider. To transmit the payment history to (S110).

The mobile service provider adds the payment to the mobile phone usage fee based on the payment price transmitted from the mobile phone payment operator, and sends the mobile phone bill to the mobile phone user, and the mobile phone user pays the amount described in the bill. To calculate (S111).

As described above, in the payment settlement method using the payment code on the mobile communication terminal of the present invention, the use price is paid using a unique payment code which is downloaded and stored in the user's mobile phone or is given at every transaction. The payment code may be upgraded periodically or aperiodically for security purposes, or may change in every transaction. In addition, the payment code is usually composed of a 14-digit code, but for security reasons, only the 10-digit code is displayed on the screen of the user's mobile phone or the sales slip output from the payment code reader. It is composed. The four codes located after the 10-digit code are check codes generated by combining a user's social security number and a mobile phone number so that payment codes are not forged or tampered with during actual transactions. At this time, the digits of the payment code, such as 14-digit payment code or 10-digit code is just one example for the convenience of the description of the invention, the actual number of digits of the payment code can be configured to any number.

In the above method, the transaction approval or the generation of the approval number is generated by the mobile payment service provider when the mobile phone user is settled, but it is also possible to generate the transaction approval or approval number by the mobile communication service provider.

As described above, the payment method using the payment code on the mobile communication terminal of the present invention may be used when purchasing goods off-line, but may also be used in wired or wireless Internet electronic commerce. The following describes a payment method when using e-commerce or services using the Internet.

5 is a view showing a payment method in the Internet e-commerce and FIG. 6 is a view showing a payment method in the electronic commerce using the wireless Internet.

First, in the Internet e-commerce illustrated in FIG. 5, when accessing an Internet e-commerce site, a web page is downloaded from the e-commerce site to the user's PC, and the user purchases an item or uses a service on the downloaded web page (S201). , S202). When a user purchases an item or uses a service, a payment method such as a credit card payment, a non-payment payment or a payment code of a mobile phone is presented on the web page for the purchase or use of the service. If a payment method using the payment code of the mobile phone is selected on the page (S203), a field for inputting the payment code and the mobile phone number on the mobile phone is displayed on the web page, and the user enters the input field for payment. Enter the payment code and mobile phone number (S204).

The input payment code and the mobile phone number are transmitted from the electronic commerce site to the mobile phone payment service provider along with transaction details such as transaction amount and installment month (S205).

If the mobile payment service provider is recognized as a legitimate user by searching for credit failure and usage of the user based on the transmitted payment code and the mobile phone number (S206), the approval number for the transaction and Send the authorization (i.e. transaction) to the e-commerce site and the user. At the same time, the mobile phone payment service provider also transmits the approval number and payment details corresponding to the approval number to the mobile communication service provider (S207).

The mobile telecommunication service provider adds up and charges a payment price to a mobile phone bill based on the billing details transmitted from the mobile phone payment service provider, and the mobile phone user pays the amount described in the bill notice (S208).

In addition, in the wireless Internet e-commerce illustrated in FIG. 6, when a user accesses an electronic commerce site through the wireless Internet and then purchases a product or uses a service (S301, 302), a payment means selection column is displayed on the wireless Internet site. The payment means includes a conventional credit card payment, bank account payment and payment using the payment code of the mobile phone.

At this time, the user selects the payment using the payment code of the mobile phone among the displayed payment means (S303, S304), and enters the password to call the payment code stored in his or her mobile phone payment provider or payment code It is given (S306). Thereafter, this is transmitted to the mobile phone payment service provider along with information such as transaction details provided from the wireless Internet e-commerce site and requests payment approval (S307). If the transaction is approved as a legitimate transaction, the authorization number and the approval history (transaction history) for the transaction are transmitted to the corresponding wireless Internet e-commerce provider and user, and at the same time, the payment number corresponding to the authorization number and the authorization number is also transmitted to the mobile communication provider. The details are transmitted (S308).

The mobile telecommunication service provider adds up and charges the payment price to the mobile phone bill based on the payment bill transmitted from the mobile phone payment operator, and the mobile phone user completes the settlement of the payment by paying the amount described in the bill. ).

The difference between the electronic commerce using the wired internet and the electronic commerce using the wireless internet is that in the electronic commerce of the wireless internet, a user can request payment approval immediately by using a payment code of a mobile phone. In other words, there is no need to manually enter the payment code and mobile phone number like wired internet, but by entering the password, the user can directly call the payment code on the mobile phone. will be.

As described above, the payment settlement method using the payment code on the mobile communication terminal of the present invention can be used both online and offline.

As described above, in the payment method using the payment code on the mobile communication terminal according to the present invention, after the payment code is downloaded to the mobile communication terminal or received a payment code through the wireless Internet, the payment is displayed on the screen of the terminal. Since payment is made by reading a payment code by a code reader, payment can be made without a credit card with high risk of loss and theft.

In addition, the payment method using the payment code on the mobile communication terminal of the present invention has the advantage that it can be used both online and offline, the user must call the payment code stored on the mobile phone or to receive the payment code over the wireless Internet It has a security advantage over credit cards in that it requires a user authentication process by entering a password.

Furthermore, in the present invention, since the payment price is added to the usage fee of the mobile communication terminal, the cost required for issuing a separate bill can be reduced.

Claims (11)

Subscribing to a mobile communication terminal payment system and downloading and storing the payment code in the mobile communication terminal; Displaying a payment code stored in the mobile communication terminal through user authentication of whether the user is an authorized user; Requesting transaction approval by reading the payment code displayed on the mobile communication terminal and transmitting the read payment code and transaction details information during the transaction; Generating an approval number for each transaction and transmitting the approval number and the approval history and payment history corresponding to the approval number to the mobile communication service provider and the user; Issuing a bill by adding the payment amount to a mobile communication fee; And The payment method using the payment code on the mobile communication terminal comprising the step of paying the charges of the mobile communication charge bills and the payment settlement price. The method of claim 1, wherein the payment code is updated periodically or irregularly. The method of claim 1, wherein the payment code is provided through the wireless Internet in every transaction. The method of claim 1, wherein the payment code is a barcode, a number or a combination of numbers and letters. The method of claim 1, wherein the payment code, A ten digit code shown to the user; And Method comprising a four-digit code combining the social security number and the mobile terminal number. The method of claim 1, wherein the user authentication is performed by inputting a password into a mobile communication terminal. The method of claim 1 wherein the payment code comprises a monthly usage limit. Subscribing to a mobile communication terminal payment system and downloading and storing the payment code in the mobile communication terminal; Accessing an e-commerce site through the Internet to purchase goods; Requesting a transaction approval by inputting a payment code stored in the mobile communication terminal and a number of the mobile communication terminal; Generating an approval number for each transaction and transmitting the approval number and approval details and payment details corresponding to the approval number to a corresponding e-commerce site, a user, and a mobile communication service provider; Issuing a bill by adding the payment amount to a mobile communication fee; And The payment method using the payment code on the mobile communication terminal comprising the step of paying the charges of the mobile communication charge bills and the payment settlement price. Subscribing to a mobile communication terminal payment system and downloading and storing the payment code in the mobile communication terminal; Accessing an electronic commerce site through a wireless Internet and purchasing an item; Selecting a mobile communication terminal payment as a payment means and calling a payment code through user authentication; Requesting transaction approval by transmitting the called payment code and transaction details; Generating an approval number for each transaction and transmitting the approval number and approval details and payment details corresponding to the approval number to a corresponding e-commerce site, a user, and a mobile communication service provider; Issuing a bill by adding the payment amount to a mobile communication fee; And The payment method using the payment code on the mobile communication terminal comprising the step of paying the charges of the mobile communication charge bills and the payment settlement price. 10. The method of claim 8 or 9, wherein the payment code is a payment code stored in a mobile phone. 10. The method of claim 8 or 9, wherein the payment code is given through the wireless Internet in every transaction.