KR20030012910A - Method for electronic settlement using mobile phone - Google Patents

Abstract

The present invention relates to an electronic payment method using a mobile phone to perform a payment business through a mobile phone in order to efficiently conduct business activities of the company, the present invention, encryption module, printer connection module, card reader connection module In the online payment system consisting of a mobile phone having a compression / restore module, a management module and an input / output module, a mobile communication company server, a VAN server, and a credit card company server, the electronic payment method of the mobile phone in the application mode, When the inquiry request occurs and the payment menu is selected, the card information of the customer (credit card holder) transmitted from the card reader is received through the card reader connection module, and after the card information is received, the amount and installment selection input are requested. Generate payment information for the input, create payment information and access the wireless Internet, When the wireless Internet connection is established, the payment information is encrypted using a private key, compressed and transmitted to the mobile communication server, receiving payment result data transmitted from the mobile communication server, and analyzing the received payment result data to approve it. By checking the acceptance, and if the result is rejection of approval, displays the details of the rejection, and prints a slip in connection with the printer through the printer connection module for approval acceptance date, so that merchants can easily make a payment using a mobile phone. Will be.

Description

Electronic payment method using a mobile phone {Method for electronic settlement using mobile phone}

The present invention relates to an electronic payment method using a mobile phone (collectively referred to as a cellular phone, a PCS phone), and in particular, an electronic payment method using a mobile phone that enables a payment service to be performed through a mobile phone in order to efficiently conduct business activities of a company. It is about.

More specifically, the merchant does not use the credit card transaction approval query, but by using only the card reader and the mobile phone to make the electronic payment of the credit card using the mobile phone, the use of the credit card transaction approval query The present invention relates to an electronic payment method using a mobile phone, which reduces costs and improves mobility to improve efficiency in a company's sales activities.

Normally, a credit card holder must obtain a transaction authorization for his or her credit card if the credit card holder intends to pay for the service or the goods by credit card. In order to approve transaction of existing credit card holder, we used telephone network or packet network.

Referring to the credit card transaction approval method according to the prior art as follows.

First, when a credit card holder (user) requests a purchase while presenting his or her credit card to a merchant in order to pay for goods or services, the merchant stores the user information on the user's credit card and the merchant. Complete the transaction approval request by combining the transaction details and the merchant information generated by the credit card transaction approval inquiry machine installed, and request the credit card company for approval through the telephone network.

That is, the full transaction approval request (combination of user information, transaction history information, and merchant information) generated from the merchant is transmitted to the relay system of the VAN server through the telephone network. At this time, since the credit card transaction approval query has a device for transmitting information only to the relay system of a specific VAN server, the authorization request generated from the specific credit card transaction approval query is transmitted only to the relay system of a specific VAN server.

The VAN server's relay system that receives the transaction approval request message reads the credit card company information contained in the user information in the transaction approval request message and transmits a combination of data related to the authorization request to the transaction approval system of the credit card company. The relay system of the server and the transaction approval system of the credit card company are connected by a dedicated packet network.

The credit card company's transaction approval system that receives the transaction approval request compares the user information, transaction history, and merchant information included in the transaction approval request history with the member data or the merchant data, respectively, so that both the user and the merchant are disqualified as a transaction member. If none is found, the transaction between the two parties is validated.

The credit card company then sends the result of the transaction approval request to the VAN server which relayed the transaction approval request through the packet network. When the credit card company receives a transaction approval request from the VAN server, the credit card company receives and stores information related to the relay VAN server, and returns the transaction approval result to the relay system of the VAN server included in the transaction approval request relay history.

The transaction approval terminal of the affiliated store that receives the transaction approval result from the relay system of the VAN server notifies the user of the payment result based on the transaction approval result details.

However, in the conventional credit card transaction approval method in which the electronic payment is made, the credit card transaction can be settled only when the merchant has a credit card transaction approval inquiry machine and is connected to a telephone network by wire, so that the credit card transaction is expensive. It caused the burden of purchasing the approval inquiry and caused the additional cost of wired installation.

On the other hand, there has been a conventional electronic payment method that allows the electronic payment is made only by the user's mobile phone without using a credit card transaction approval inquiry machine.

However, this method is only possible to pay electronically to the owner (owner of the mobile phone), the method of paying other people's credit card with their mobile phone has the disadvantage that it is impossible.

Therefore, the present invention is proposed to solve the disadvantage that the payment is not possible for the credit card of the other person during the electronic payment using a mobile phone, and solves the burden of purchasing the credit card transaction approval inquiry when the credit card payment in the conventional merchant as described above. As,

An object of the present invention is to provide an electronic payment method using a mobile phone to perform a payment business through a mobile phone in order to efficiently conduct business activities of the company.

More specifically, the merchant does not use the credit card transaction approval query, but by using only the card reader and the mobile phone to make the electronic payment of the credit card using the mobile phone, the use of the credit card transaction approval query The purpose of the present invention is to provide a mobile payment method using a mobile phone that can reduce the cost and improve the mobility to improve the efficiency of the company's sales activities.

The first embodiment of the "electronic payment method using a mobile phone" according to the present invention for achieving the above object,

Mobile phone with encryption module, printer connection module, card reader connection module, compression / restore module, management module and input / output module, mobile phone server, VAN server and credit card company server In the electronic payment method in

Receiving a card information of a customer (credit card holder) transmitted from a card reader through the card reader connection module when an inquiry request is generated in the application mode and a payment menu is selected;

Requesting input of an amount and an installment selection after receiving the card information, and generating payment information for the input;

Accessing the wireless Internet after generating the payment information;

When the wireless Internet connection is established, encrypting the payment information using a private key, compressing the payment information, and transmitting the compressed information to the mobile communication company server;

Receiving payment result data transmitted from the mobile communication company server;

Analyzing the received payment result data to check whether the acceptance is granted; and if the result is an approval rejection, displaying the approval rejection details, and in the case of acceptance acceptance, printing a slip in connection with the printer through the printer connection module. Characterized in that made.

A second embodiment of the "electronic payment method using a mobile phone" according to the present invention for achieving the above object,

Mobile phone with encryption module, printer connection module, card reader connection module, compression / restore module, management module and input / output module, mobile phone server, VAN server and credit card company server In the electronic payment method in

Accessing the wireless internet in a wireless internet mode;

Receiving a card information of a customer (credit card holder) transmitted from a card reader through the card reader connection module when an inquiry request is generated after the connection to the wireless Internet is made and a payment menu is selected;

Requesting input of an amount and an installment selection after receiving the card information, and generating payment information for the input;

Encrypting the generated payment information by using a private key and then compressing the generated payment information to the mobile communication company server;

Receiving payment result data transmitted from the mobile communication company server;

Analyzing the received payment result data to check whether the acceptance is granted; and if the result is an approval rejection, displaying the approval rejection details, and in the case of acceptance acceptance, printing a slip in connection with the printer through the printer connection module. Characterized in that made.

The third embodiment of the "electronic payment method using a mobile phone" according to the present invention for achieving the above object,

Customer with IRDA cell phone; An IRDA mobile phone having an encryption module, a printer connection module, an IR data communication module, a compression / restore module, a management module, and an input / output module and used for electronic payment at a merchant; A mobile carrier server; A VAN server; In the electronic payment method of the IRDA mobile phone used for electronic payment at the merchant in the online electronic payment system consisting of a credit card company server,

Receiving a card information of a customer (credit card holder) transmitted from a customer IRDA mobile phone through the IR data communication module when an inquiry request is generated in the application mode and a payment menu is selected;

Requesting input of an amount and an installment selection after receiving the card information, and generating payment information for the input;

Accessing the wireless Internet after generating the payment information;

When the wireless Internet connection is established, encrypting the payment information using a private key, compressing the payment information, and transmitting the compressed information to the mobile communication company server;

Receiving payment result data transmitted from the mobile communication company server;

Analyzing the received payment result data to check whether the acceptance is granted; and if the result is an approval rejection, displaying the approval rejection details, and in the case of acceptance acceptance, printing a slip in connection with the printer through the printer connection module. Characterized in that made.

A fourth embodiment of the "electronic payment method using a mobile phone" according to the present invention for achieving the above object,

Customer with IRDA cell phone; An IRDA mobile phone having an encryption module, a printer connection module, an IR data communication module, a compression / restore module, a management module, and an input / output module and used for electronic payment at a merchant; A mobile carrier server; A VAN server; In the electronic payment method of the IRDA mobile phone used for electronic payment at the merchant in the online electronic payment system consisting of a credit card company server,

Accessing the wireless internet in a wireless internet mode;

Receiving a card information of a customer (credit card holder) transmitted from a customer IRDA mobile phone through the IR data communication module when an inquiry request is generated after the connection to the wireless Internet is made and a payment menu is selected;

Requesting input of an amount and an installment selection after receiving the card information, and generating payment information for the input;

Encrypting the generated payment information by using a private key and then compressing the generated payment information to the mobile communication company server;

Receiving payment result data transmitted from the mobile communication company server;

Analyzing the received payment result data to check whether the acceptance is granted; and if the result is an approval rejection, displaying the approval rejection details, and in the case of acceptance acceptance, printing a slip in connection with the printer through the printer connection module. Characterized in that made.

The fifth embodiment of the "electronic payment method using a mobile phone" according to the present invention for achieving the above object,

An online payment system comprising an encryption module, a printer connection module, a compression / restoration module, a management module, and an input / output module and including a cellular phone equipped with a card reader, a mobile communication company server, a VAN server, and a credit card company server. In the electronic payment method on a cell phone equipped with a card reader,

Reading a card information of a customer (credit card holder) through an installed card reader when an inquiry request is generated in the application mode and a payment menu is selected;

Requesting input of an amount and an installment selection after reading the card information, and generating payment information for the input;

Accessing the wireless Internet after generating the payment information;

When the wireless Internet connection is established, encrypting the payment information using a built-in private key, compressing the payment information, and transmitting the compressed information to the mobile communication company server;

Receiving payment result data transmitted from the mobile communication company server;

Analyzing the received payment result data to check whether the acceptance is granted; and if the result is an approval rejection, displaying the approval rejection details, and in the case of acceptance acceptance, printing a slip in connection with the printer through the printer connection module. Characterized in that made.

Sixth embodiment of the "electronic payment method using a mobile phone" according to the present invention for achieving the above object,

The card includes an encryption module, a printer connection module, a compression / restore module, a management module, and an input / output module. The card in an online electronic payment system including a cell phone equipped with a card reader, a mobile communication server server, a VAN server, and a credit card company server. In the electronic payment method on a mobile phone equipped with a reader,

Accessing the wireless internet in a wireless internet mode;

Reading card information of a customer (credit card holder) through the mounted card reader when an inquiry request is generated after the connection to the wireless Internet is made and a payment menu is selected;

Requesting input of an amount and installment selection after reading the card information, and generating payment information for the input;

Encrypting the generated payment information by using a private key and then compressing the generated payment information to the mobile communication company server;

Receiving payment result data transmitted from the mobile communication company server;

Analyzing the received payment result data to check whether the acceptance is granted; and if the result is an approval rejection, displaying the approval rejection details, and in the case of acceptance acceptance, printing a slip in connection with the printer through the printer connection module. Characterized in that made.

1 is a schematic configuration diagram of an electronic payment system to which an electronic payment method using a mobile phone is applied in the present invention,

2 is a view showing an electronic payment processing module embedded in the mobile phone (terminal) of FIG. 1,

3 is a flowchart illustrating an electronic payment process in an application module of an electronic payment method using a mobile phone in the present invention,

4 is a flowchart illustrating an electronic payment process in a wireless Internet menu of an electronic payment method using a mobile phone in the present invention,

5 is a flowchart illustrating a data processing process in a VAN server according to the present invention.

<Explanation of symbols for the main parts of the drawings>

100 ..... Cell Phone

200 ..... Card Reader

300 ..... Printer

400 ..... Carrier Server

500 ..... VAN Server

600 ..... Credit card company server

700 ..... Customer IRDA Cell Phone

800 ..... IRDA Cell Phone

900 ..... Card Reader

Hereinafter, described in detail with reference to the accompanying drawings, preferred embodiments of the present invention according to the technical spirit as described above.

1 is a schematic configuration diagram of an electronic payment system to which an electronic payment method using a mobile phone is applied in the present invention.

Here, reference numeral 100 includes an electronic payment dedicated program, is connected with the card reader 200, receives credit card information of a user (credit card holder or customer), requests electronic payment through wireless Internet, and the approval result. Displays a general mobile phone registered for electronic payment at a merchant that is connected to the printer 300 and transmits the approval information to the printer 300 to print a slip upon acceptance of the approval, and the reference numeral 400 serves as a gateway server. Represents a mobile carrier server to perform, and reference numeral 500 retrieves the payment data through the mobile carrier server 400, filters the data for each card company and transmits the payment data to the corresponding credit card company server 600. After receiving the payment result data from the credit card company server 600, transfers to the mobile communication company server 400 Represents a VAN server to send and receive payment result data to the mobile phone (100).

In addition, the present invention, when the user (customer) is equipped with an IRDA mobile phone, wirelessly interface the credit card information of the customer transmitted from the customer IRDA mobile phone 700 to generate the payment information and the mobile communication company server 400 And the payment data transmitted from the mobile communication company server 400 to display it, and upon receipt of the approval, it is configured to include an IRDA mobile phone 800 that controls to print the slips through the printer 300.

In addition, the present invention is equipped with a program for exclusive use of electronic payment, and reads the credit card information of the customer (credit card holder) through the attached card reader to request electronic payment through the wireless Internet, and displays the approval result Is connected to the printer 300 is configured to further include a card reader equipped mobile phone 900 registered for the electronic payment in the merchant to send the approval information to the printer 300 to print the receipt upon acceptance of the approval.

Referring to Figure 2 attached to the electronic payment system applied to the present invention configured as described above are as follows.

When a customer selects a product to purchase from a merchant having a mobile phone 100 capable of electronic payment and requests payment, the owner of the mobile phone 100 connects the card reader 200 with the mobile phone 100 by wire. The customer's credit card is contacted with the card reader 200 to read the credit card information.

When the credit card information is read by the card reader 200, the read information is transmitted to the mobile phone 100, and the mobile phone 100 that receives the customer's credit card information includes an electronic payment dedicated program, and an electronic payment. When the basic operation (entering amount, installment selection, installment month input, etc.) is done, the mobile operator server encrypts the payment information using the built-in private key (encryption key) and acts as a gateway through the wireless Internet. Request a payment at 400.

After the authentication process is performed after the mobile communication company server 400 performs the authentication process, the mobile communication server server 400 transmits the payment information to the VAN server 500. The VAN server 500 receives the data and passes the data filtering process. The payment information is transmitted to the server 600.

The credit card book server 600 receiving the payment information compares the user information, the transaction history, and the merchant information included in the transaction approval request details with the member data or the merchant data, respectively, and both the user and the merchant are disqualified as a transaction member. If there is no reason, the transaction between the two parties is validated.

Subsequently, the credit card company sends the result of the transaction approval request to the VAN server 500 which relayed the transaction approval request through the packet network. The credit card company server 600 receives and stores information related to the VAN server 500 relayed when receiving a transaction approval request from the VAN server 500, and stores the transaction approval result in the transaction approval request relay history. Return to (500).

The VAN server 500 transmits the transaction approval result to the mobile communication company server 400, and the mobile communication company server 400 receiving the transaction approval is received by the mobile phone 100 through the connected mobile communication wireless network. Send the result data.

Receiving this, the mobile phone 100 displays the approval result on the screen, and if the approval is rejected, displays the details of the rejection on the screen, and if the acceptance of the approval transmits the approval result data to the printer 300 so that the slip printing is performed. do.

The above operation is a process of performing an electronic payment with the mobile phone 100 after reading the customer's credit card with the card reader 200.

If the user (customer) has an IRDA mobile phone 700, the IR data communication module embedded in the IRDA mobile phone 800 wirelessly interfaces the credit card information of the customer transmitted from the customer IRDA mobile phone 700. Generates payment information and transmits it to the mobile communication company server 400, receives payment data transmitted from the mobile communication company server 400, displays it, and prints a slip through the printer 300 when accepting the approval. To control it.

Therefore, in the merchants performing electronic payments using mobile phones, most electronic payments are possible using mobile phones 100. However, in case of having an IRDA mobile phone, an IRDA mobile phone is provided with a general mobile phone to provide more convenience to customers. Because it can provide, it can contribute to sales growth.

In addition, the present invention, it is possible to perform the electronic payment using the card reader-mounted mobile phone (900). That is, the card reader-equipped mobile phone 900 has an electronic payment-only program, reads the credit card information of the customer (credit card holder) through the card reader installed when the customer requests a payment, and then makes an electronic payment through the wireless Internet. Request, display the approval result, and is connected to the printer 300 transmits the approval information to the printer 300 to print the slip upon acceptance of the approval.

Such a card reader-mounted mobile phone 900 provides mobility compared to a normal mobile phone 100 connected to the card reader 200 by wire, thereby facilitating more convenience in use.

2 is a diagram illustrating an electronic payment processing module embedded in the cellular phone 100 or the IRDA cellular phone 800.

As shown in the drawing, an encryption module 110 for encrypting payment information to be transmitted to a mobile communication network, a printer connection module 120 for transmitting information for printing a slip upon acceptance to the printer 300, and a card reader ( A card reader connection module 130 for receiving a customer's credit card information, a compression / restore module for compressing payment information to be transmitted to a mobile communication network and restoring the received payment result data to original data (200); 140, a management module 160 for controlling an overall electronic payment process through an electronic payment dedicated program, and an input / output module 160 for wirelessly interfacing data with the mobile communication company server 400.

Although the present invention is not shown in FIG. 2, an IR data communication module is additionally embedded in the IRDA mobile phone in preparation for the electronic payment using the IRDA mobile phone.

3 is a flowchart illustrating an electronic payment process in an application module of an electronic payment method using a mobile phone in the present invention.

As shown in the drawing, when an inquiry request is generated in the application mode and a payment menu is selected, the card information of the customer (credit card holder) transmitted from the card reader 200 through the card reader connection module 130 is received. Steps S102, S104 and S106; Requesting input of an amount and installment after receiving the card information, and generating payment information for the input (S108, S110, S112, S114, S116); Accessing the wireless Internet after generating the payment information (S118); When the wireless Internet connection is established, encrypting the payment information by using a private key and then compressing and transmitting the payment information to the mobile communication company server 400 (S120 and S122); Receiving payment result data transmitted from the mobile communication company server 400 (S124, S126); Analyze the received payment result data to check whether the acceptance of the approval, and as a result, the approval rejection details are displayed, and in the case of acceptance acceptance slips in connection with the printer 300 through the printer connection module 120 Printing step (S128, S130, S132) is made.

When the electronic payment process in the application module of the electronic payment method using a mobile phone in the present invention made as described above in detail as follows.

The present invention operates separately in two modes according to the use environment of the mobile phone (100). In other words, the application mode for accessing the wireless Internet after entering the payment information in the normal payment menu and performing the electronic payment, and the wireless for entering the payment information and performing the electronic payment in the wireless Internet menu after first accessing the wireless Internet. Internet mode is that.

First, the customer selects a product to purchase and presents a credit card for payment, or sends credit card information through the customer IRDA mobile phone 700, the mobile phone (100) or IRDA mobile phone (800) with a built-in electronic payment dedicated program The affiliated store is provided with the electronic payment through the mobile phone 100 or IRDA mobile phone (800).

That is, when the inquiry request occurs in the application mode as in step S102, and the payment menu is selected in step S104, the customer (credit) transmitted from the card reader 200 connected through the card reader connection module 130 in step S106 (credit). Card information of the cardholder).

In this case, when the customer presents a credit card, the card reader 200 reads the card information of the customer through the wire while the mobile phone 100 and the card reader 200 are connected by wire, as is well known. The method of transmitting this to the mobile phone 100 is applied. However, if the customer has a customer IRDA mobile phone 700 embedded with credit card information, a method of receiving the customer's credit card information wirelessly from the IRDA mobile phone 800 is applied.

When receiving the credit card information of the customer in the same process as described above in step S108 is requested to enter the amount, in step S110 checks whether the amount is entered, if the amount is not entered, go to step S108, otherwise the amount is If it is input, the flow advances to step S112 to check whether installment is selected.

If installment is selected as a result of the check, step S114 is requested. In step S116, the installment month is checked. If installment month is entered, installment month is entered.

If an installment month is entered or no installment is selected, the process moves to step S118 to access the wireless Internet.

When the wireless Internet connection is made, the process moves to step S120 and the payment information is encrypted using an embedded private key and then compressed, and then transmitted to the mobile communication company server 400 in step S122.

Then, in step S124, it is checked whether the payment result data is received from the mobile communication company server 400. If the payment result data is not received as a result, the process moves to step S126 and transitions to the standby state to continuously receive the result data. Check whether or not.

In addition, if the payment result data is received as a result of the check, go to step S128 and analyzes the received payment result data to check whether the acceptance of the approval.

If the check result is the rejection of approval, go to step S130 to display the details of the rejection through the display unit (LCD display) .In contrast, if the acceptance is approved, go to step S132 and transmit the payment result information to the printer 300. Allow printing of the documents.

4 is a flowchart illustrating an electronic payment process in a wireless Internet menu of the electronic payment method using a mobile phone in the present invention.

As shown therein, accessing the wireless Internet in the wireless Internet mode (S202); Receiving a card information of a customer (credit card holder) transmitted from the card reader 200 through the card reader connection module 130 when the inquiry request is generated after the access to the wireless Internet is selected and the payment menu is selected. (S204 to S208); Requesting input of an amount and installment after receiving the card information, and generating payment information for the input (S210 to S218); Encrypting the generated payment information using a private key and then compressing the generated payment information to the mobile communication company server 400 (S220 and S222); Receiving payment result data transmitted from the mobile communication company server 400 (S224, S226); Analyze the received payment result data to check whether the acceptance of the approval, and as a result, the approval rejection details are displayed, and in the case of acceptance acceptance slips in connection with the printer 300 through the printer connection module 120 The step of printing (S228 ~ S232) is made.

When the electronic payment process in the wireless Internet menu of the electronic payment method using a mobile phone in the present invention made as described above in detail.

First, the customer selects a product to purchase and presents a credit card for payment, or sends credit card information through the customer IRDA mobile phone 700, the mobile phone (100) or IRDA mobile phone (800) with a built-in electronic payment dedicated program The affiliated store is provided with the electronic payment through the mobile phone 100 or IRDA mobile phone (800).

That is, in the wireless internet mode, the wireless internet is connected as in step S202.

Then, when the connection to the wireless Internet is made, the inquiry request as in step S204 in the wireless Internet menu, and if the payment menu is selected in step S206, card reader 200 through the card reader connection module 130 in step S208 Card information of the customer (credit card holder) is transmitted from.

In this case, when the customer presents a credit card, the card reader 200 reads the card information of the customer through the wire while the mobile phone 100 and the card reader 200 are connected by wire, as is well known. The method of transmitting this to the mobile phone 100 is applied. However, if the customer has a customer IRDA mobile phone 700 embedded with credit card information, a method of receiving the customer's credit card information wirelessly from the IRDA mobile phone 800 is applied.

Upon receiving the credit card information of the customer in the above process, the amount input is requested in step S210. In step S212, if the amount is not checked by checking whether the amount is entered, the process moves to the step S214. If it is input, the flow advances to step S214 to check whether installment is selected.

If installment is selected as a result of the check, step S216 is requested to enter the installment month. At step S218, it is checked whether the installment month has been entered, and if the installment month is not entered, the process moves to step S216.

In addition, when the installment month is input or the installment is not selected, the mobile terminal proceeds to step S220, encrypts and then compresses the payment information by using the built-in private key, and transmits the compressed information to the mobile communication company server 400 in step S222.

Then, in step S224, it is checked whether the payment result data is received from the mobile communication company server 400. If the payment result data is not received as a result, the process moves to step S226 and transitions to the standby state to continuously receive the result data. Check whether or not.

In addition, if the payment result data is received as a result of the check, go to step S228 and analyze the received payment result data to check whether the acceptance of the approval.

If the check result is the rejection of approval, go to step S230 to display the details of the rejection through the display unit (LCD display) .In contrast, if the acceptance is approved, go to step S232 and transmit the payment result information to the printer 300. Allow printing of the documents.

5 is a flowchart illustrating a data processing process in the VAN server 500 in the present invention.

As shown therein, step S302 of receiving payment data transmitted from the mobile communication company server 400; Searching for a payment means included in payment data (S304); Checking whether the payment means is a credit card (S306); Returning when the check means is not a credit card (S308); Filtering the data for each credit card company if the payment means is a credit card (S310); Transmitting payment data to the filtered credit card company server (600) (S312); Receiving payment result data from the credit card company server (600) (S314); In step S316, the mobile terminal 100 receives the payment result data and transmits the received payment result data to the mobile communication company server 400.

In the present invention made as described above will be described in detail the data processing in the VAN server 500 as follows.

First, the VAN server 500 receives the payment data transmitted from the mobile communication company server 400 in step S302, and searches for the payment means included in the payment data received in step S304.

Then, in step S306, it is checked whether the payment means is a credit card, and if it is not a credit card, the process moves to step S308 and returns for the first time.

However, when the payment method is a credit card, the process moves to step S310 to filter data by card company, and in step S312, payment data is transmitted to the credit card company server 600 determined by the filtering.

Then, in step S314, the payment result data is received from the credit card company server 600, and in step S316, the received payment result data is transmitted to the mobile communication company server 400 so that the mobile phone 100 receives it. .

According to the present invention described above, the merchant does not use a credit card transaction approval inquiry, there is an effect that the electronic payment of the credit card can be performed using a mobile phone in the state of connecting only the card reader and the mobile phone.

In addition, it is possible to reduce the cost of using the credit card transaction approval query for the above reasons, and to improve mobility in the business activities of the company by improving the mobility.

Claims (6)

Mobile phone with encryption module, printer connection module, card reader connection module, compression / restore module, management module and input / output module, mobile phone server, VAN server and credit card company server In the electronic payment method in Receiving a card information of a customer (credit card holder) transmitted from a card reader through the card reader connection module when an inquiry request is generated in the application mode and a payment menu is selected; Requesting input of an amount and an installment selection after receiving the card information, and generating payment information for the input; Accessing the wireless Internet after generating the payment information; When the wireless Internet connection is established, encrypting the payment information using a built-in private key, compressing the payment information, and transmitting the compressed information to the mobile communication company server; Receiving payment result data transmitted from the mobile communication company server; Analyzing the received payment result data to check whether the acceptance is granted; and if the result is an approval rejection, displaying the approval rejection details, and in the case of acceptance acceptance, printing a slip in connection with the printer through the printer connection module. Electronic payment method using a mobile phone, characterized in that made by. Mobile phone with encryption module, printer connection module, card reader connection module, compression / restore module, management module and input / output module, mobile phone server, VAN server and credit card company server In the electronic payment method in Accessing the wireless internet in a wireless internet mode; Receiving a card information of a customer (credit card holder) transmitted from a card reader through the card reader connection module when an inquiry request is generated after the connection to the wireless Internet is made and a payment menu is selected; Requesting input of an amount and an installment selection after receiving the card information, and generating payment information for the input; Encrypting the generated payment information using a built-in private key and then compressing the generated payment information to the mobile telecommunication company server; Receiving payment result data transmitted from the mobile communication company server; Analyzing the received payment result data to check whether the acceptance is granted; and if the result is an approval rejection, displaying the approval rejection details, and in the case of acceptance acceptance, printing a slip in connection with the printer through the printer connection module. Electronic payment method using a mobile phone, characterized in that made by. Customer with IRDA cell phone; An IRDA mobile phone having an encryption module, a printer connection module, an IR data communication module, a compression / restore module, a management module, and an input / output module and used for electronic payment at a merchant; A mobile carrier server; A VAN server; In the electronic payment method of the IRDA mobile phone used for electronic payment at the merchant in the online electronic payment system consisting of a credit card company server, Receiving a card information of a customer (credit card holder) transmitted from a customer IRDA mobile phone through the IR data communication module when an inquiry request is generated in the application mode and a payment menu is selected; Requesting input of an amount and an installment selection after receiving the card information, and generating payment information for the input; Accessing the wireless Internet after generating the payment information; When the wireless Internet connection is established, encrypting the payment information using a built-in private key, compressing the payment information, and transmitting the compressed information to the mobile communication company server; Receiving payment result data transmitted from the mobile communication company server; Analyzing the received payment result data to check whether the acceptance is granted; and if the result is an approval rejection, displaying the approval rejection details, and in the case of acceptance acceptance, printing a slip in connection with the printer through the printer connection module. Electronic payment method using a mobile phone, characterized in that made by. Customer with IRDA cell phone; An IRDA mobile phone having an encryption module, a printer connection module, an IR data communication module, a compression / restore module, a management module, and an input / output module and used for electronic payment at a merchant; A mobile carrier server; A VAN server; In the electronic payment method of the IRDA mobile phone used for electronic payment at the merchant in the online electronic payment system consisting of a credit card company server, Accessing the wireless internet in a wireless internet mode; Receiving a card information of a customer (credit card holder) transmitted from a customer IRDA mobile phone through the IR data communication module when an inquiry request is generated after the connection to the wireless Internet is made and a payment menu is selected; Requesting input of an amount and an installment selection after receiving the card information, and generating payment information for the input; Encrypting the generated payment information using a built-in private key and then compressing the generated payment information to the mobile telecommunication company server; Receiving payment result data transmitted from the mobile communication company server; Analyzing the received payment result data to check whether the acceptance is granted; and if the result is an approval rejection, displaying the approval rejection details, and in the case of acceptance acceptance, printing a slip in connection with the printer through the printer connection module. Electronic payment method using a mobile phone, characterized in that made by. An online payment system comprising an encryption module, a printer connection module, a compression / restoration module, a management module, and an input / output module and including a cellular phone equipped with a card reader, a mobile communication company server, a VAN server, and a credit card company server. In the electronic payment method on a cell phone equipped with a card reader, Reading a card information of a customer (credit card holder) through an installed card reader when an inquiry request is generated in the application mode and a payment menu is selected; Requesting input of an amount and an installment selection after reading the card information, and generating payment information for the input; Accessing the wireless Internet after generating the payment information; When the wireless Internet connection is established, encrypting the payment information using a built-in private key, compressing the payment information, and transmitting the compressed information to the mobile communication company server; Receiving payment result data transmitted from the mobile communication company server; Analyzing the received payment result data to check whether the acceptance is granted; and if the result is an approval rejection, displaying the approval rejection details, and in the case of acceptance acceptance, printing a slip in connection with the printer through the printer connection module. Electronic payment method using a mobile phone, characterized in that made by. The card has an encryption module, a printer connection module, a compression / restore module, a management module, and an input / output module. The card in an online electronic payment system including a cell phone equipped with a card reader, a mobile communication company server, a VAN server, and a credit card company server. In the electronic payment method on a mobile phone equipped with a reader, Accessing the wireless internet in a wireless internet mode; Reading card information of a customer (credit card holder) through the mounted card reader when an inquiry request is generated after the connection to the wireless Internet is made and a payment menu is selected; Requesting input of an amount and installment selection after reading the card information, and generating payment information for the input; Encrypting the generated payment information by using a private key and then compressing the generated payment information to the mobile communication company server; Receiving payment result data transmitted from the mobile communication company server; Analyzing the received payment result data to check whether the acceptance is granted; and if the result is an approval rejection, displaying the approval rejection details, and in the case of acceptance acceptance, printing a slip in connection with the printer through the printer connection module. Electronic payment method using a mobile phone, characterized in that made by.