KR20060077541A - Method and system of using internet payment of mobile phone prepaid value means - Google Patents

Abstract

The present invention implements an operation program such as payment processing and approval request code generation in a mobile phone, so that a prepaid value such as a transportation card in a mobile banking chip can be used without a separate device such as a payment terminal or an internet access device. The present invention relates to a method and a system for using the Internet of a mobile phone prepaid value means for paying for the use of commerce, the method comprising: inquiring information in a banking chip by the above method, checking a balance of the prepaid value in the banking chip, and an authorization request number. And generating a prepaid value in the chip, displaying the generated approval request number on the user's mobile phone screen, and storing the corresponding details of the payment and approval request number. In addition, when the user inputs identification information for checking the prepaid value holder, such as the authorization request number and the mobile phone number, in the e-commerce payment settlement window, the information in the chip and the amount of the request are extracted through the authorization request number, and the information in the chip and the identity number It includes a management, authentication, and settlement server that compares and sends approval to the e-commerce operator to support payment of the e-commerce payment. With this configuration, users can use the value means that are only available on offline transactions such as prepaid traffic in advance, and can be used by anyone who has a mobile phone in the online area such as Internet contents. Since a terminal or an internet access device is not required separately, the use area can be expanded. In addition, it can be conveniently used without the need for complicated input procedures and time without separate devices and real-time networking while maintaining the general advantages of mobile payment means, ie mobility, accessibility, convenience, and versatility of mobile phones. .

Mobile phone, prepaid, electronic money, value transfer, prepaid online payment, mobile payment, electronic payment method, micropayment

Description

Method and system of using internet payment of mobile phone prepaid value method {No Connection Numbering Payment System}

Figure 1 is a block diagram showing an embodiment of a method and system for using the Internet of the mobile phone prepaid value means of the present invention.

2, 3 is a configuration of the mobile phone and the chip of the method and system for using the Internet of the mobile phone prepaid value means of the present invention, and the mounting structure and module configuration of the S / W and related applications according to the present invention, and financial Or a configuration diagram of an IC card chip 300 mounted for a communication application.

Figure 4 illustrates the overall work flow of the method and system for using the Internet of the mobile phone prepaid value means according to the present invention.

5 is a method for generating an approval request number 14 for deducting prepaid value and paying for use in internet e-commerce through an operating program in the mobile phone 10 of the method and system for using a mobile phone prepaid value means according to the present invention. The procedure is shown.

Figure 6 illustrates the flow of a business procedure when paying for the use of the mobile phone prepaid value means of the mobile phone prepaid value of the present invention and the mobile payment in the Internet e-commerce.

7 is a flowchart illustrating a settlement procedure for payment of a method and a system for using a mobile phone prepaid value according to the present invention.

8 is a flowchart illustrating a refund procedure for payment of a method and a system for using a mobile phone prepaid value according to the present invention.

The present invention implements an operation program such as payment processing and approval request code generation in a mobile phone, and enables electronic transactions such as games, videos and various Internet contents such as prepaid value such as transportation cards in a mobile banking chip without a separate device such as a payment terminal or an internet access device. The present invention relates to a method of operating the Internet and a system for operating the mobile phone prepaid value means to pay for the use of. In the meantime, let's take a look at the technology similar to the technology that intends to apply the prepaid value used in the offline area to the online area and the technology that uses the prepaid value stored in the mobile phone chip as the prepaid value on the network.

Various payment methods in the network are as follows. Currently, the payment method when purchasing contents or online products on the network includes bank payments such as bank transfer and bank account payment, credit card payment, and telephone bills (in addition to wired or mobile phone calls). Phone Bill for inputting relevant information, mobile phone payment method for inputting numerical information sent to a mobile phone on a website, ARS method for calling related numbers and entering related information), gift vouchers and coupons, and points System, internet service provider and network service fee, and PC room IP payment. In addition, there are ways to charge the prepaid value means through the web site and purchase it using the value of the prepaid value means. There is a security problem of personal information leakage such as account and credit card number and expiration date. In order to reduce the security problems, the inconvenience of performing the identity verification procedure for the authentication of the user as well as the many input stages, and the point method is very limited in scope, accompanied by a lot of inconvenience for the user to use.

On the other hand, there is a mobile banking technology that stores information on various payment means in a mobile phone and uses it for various financial transactions such as payment using a mobile phone and a mobile communication network. The functions provided by mobile banking are "banking" functions such as account inquiry, bank transfer and related information inquiry, "cash card" functions such as withdrawal and bank transfer using a CD / ATM equipped with dongle, credit card with dongle installed It is a "credit card" function, such as payment at a merchant, and a prepaid card function, which is used for paying other points, mileage, and transportation fees. Mobile banking has the advantage of exceeding the time and space limitations of existing online banking (mainly internet banking), especially in that it performs banking only with a mobile phone without a computer. There is an advantage that can be used as it is in the payment function. However, in order to make a payment on the network, the mobile banking must be connected to the wireless Internet network. Therefore, in addition to incurring a separate communication cost, it is inconvenient to undergo many steps and complex procedures and authentication. In addition, online e-commerce is possible only through separate devices such as the terminal and the Internet access device. In addition, the payment method added to the telephone bill (Phone Bill for inputting the relevant information to the telephone or mobile phone call, mobile phone micropayment method for entering the numeric information sent to the mobile phone on the website, call the number) The ARS method of inputting relevant information through the system is a problem of the parental consent confirmation process when paying minors, such as a lack of ethics of youth consumption and voice use of adult content, and basic problems of consumer protection such as the possibility of using other people. Have In addition, social and ethical issues such as difficulty in checking the usage history, lack of coping ability due to unpaid bills after payment, voice prepayment due to late payment cycles of content providers, and problems caused by abuse of personal information There are cultural issues.

The technology to make a network payment in advance without using a mobile phone is as follows. First, there are forms such as feeders and plastic gift certificates. In this case, you will need to purchase it separately. It was widely used in the early days when the payment method on the Internet was not activated by inputting the number written on the card at the time of purchase separately and purchasing the corresponding item on the Internet, and authenticating the entered number. Currently, it is rarely used due to problems such as inconvenience in behavior, restriction of recycling, and difficulty in adding functions.

As a way of solving the various problems of the prepaid gift certificate, there is a method using an IC card such as prepaid electronic money. In this method, the prepaid value is input to the IC card to process payments at various offline merchant terminals. The IC card prepaid value payment program is installed on the server and the user's PC on the network. The card reader is used to purchase the corresponding item on the Internet. At this time, the storage value in the IC card is immediately deducted when the payment is made on the network. This method is not a method and system in which separate value information is managed on the network, but a structure for completing payment by only the value stored in the IC card. Therefore, the prepaid value stored in the mobile phone chip is directly processed by the network, that is, online. It is fundamentally different from the one used in the above, and therefore, there is an inconvenience in that the user must have a PC with an IC card, an IC card reader, and related programs installed on the network. This is why the IC card type electronic money is not being used as a payment method on the network. In addition, in the case of the type installed in the mobile phone, it does not require a separate connection device for payment in the wireless Internet connection state, but it has convenience, but when connected to the Internet using a general PC instead of a mobile phone, Since it is necessary to process payment through the wireless Internet, it is not suitable for payment for e-commerce use such as PC-based Internet contents.

The present invention has been made to solve such a problem, the prepaid value in the mobile phone chip through the operating program in the mobile phone to pay the prepaid value such as transportation card in the mobile banking chip for the use of electronic commerce such as games, videos and various Internet content It is to implement a payment processing method for processing a deduction. In addition, an object of the present invention is to implement an identification scheme for use in electronic commerce, that is, generating an authorization request code through the above program.

Another object of the present invention is the user inputs identification information for checking the prepaid value holder, such as the approval request number and mobile phone number in the payment window for the Internet content usage payment, and transmits the information and the value owner in the chip through the received approval request number. It is to implement a method of comparing and confirming identification numbers and extracting, validating and approving relevant information such as amount of use and date and time of use.

Another object of the present invention is to provide data payment and use price between the relevant information such as online content provider, prepaid value issuer, mobile carrier, financial company, etc. It is to implement HOST including management, authentication, and settlement server that performs various tasks such as settlement between each institution.

Through this, any user who owns a mobile phone can use the Internet content, etc., in the online area, and can use value means that are only available in offline transactions such as prepaid traffic in advance, greatly expanding the scope of use and eliminating the need for a terminal or an internet connection device. It expands its usage and makes it easy to use without the need for complicated input procedures and time without immediate real-time networking.

In order to achieve the above purpose, when prepayment value such as transportation card in mobile phone chip is paid for the use of electronic commerce such as game, video, and various internet contents, the user must pay Requests to record information on the prepaid value means (transport card, electronic money, etc.) on the chip, and the financial institution checks the prepaid value means possessed by the user, assigns it to the chip in the mobile phone through the mobile communication network, After inserting an operating program that enables prepaid value to be used in online e-commerce, the mobile phone is used to make payments on the mobile phone.

The term definitions in the present invention are as follows. "Chip" refers to a chip for a chip that is installed separately for financial or telecommunications applications. An application implemented in a mobile phone to use the prepaid value in the mobile phone for online e-commerce, such as a payment processing method for deducting the prepaid value in the mobile phone chip and an identification scheme for e-commerce, i.e., generating an authorization request code. Operational Program ”. In this case, the operating program may be implemented as a local (non-network based) program or a network based program. In addition, “prepaid value” means the value based on the currency stored in the chip used as a prepaid value means such as transportation card, electronic money, etc., and transfers the relevant payment information such as approval request number, online content provider, prepaid value issuer, The management, certification, and settlement system that performs and supports various tasks such as data relay between related agencies such as telecommunications companies and financial institutions and settlement of each payment institution is called a "host."

In order to achieve the above object, in the service overview through the method and system of the present invention, when a user inputs a usage amount into a mobile phone he / she owns when paying for e-commerce use such as Internet content, the prepaid value in the mobile phone chip is equal to the same amount. Immediately after deduction, the approval request number is generated and displayed on the mobile phone screen, and the user inputs the displayed approval request number into the Internet content payment payment window (screen), and the service management server confirms and approves the validity of the approval request number. Payment is made. A method of operating a mobile phone by a user to provide the above service is as follows. The user presses the designated key to access the service menu in the mobile phone or to enter the prepaid payment mode, enter the amount used (approval request amount), and when the input amount is completed, the authorization request number is displayed on the mobile phone. If the authorization request number is entered into the payment window (screen) for payment of the Internet content, the payment for the use is completed. At this time, in order to reinforce the security of the service and to prevent user theft, identification information for checking the prepaid value holder such as mobile phone number can be entered into the payment window for payment of the use of the Internet content. Can be entered.

One feature of the present invention is to implement a payment process for deducting prepaid value in a mobile phone chip and an identification scheme for use in electronic commerce, i.e., generating an authorization request code, via a method and system for using mobile phone prepaid value online e-commerce. How to implement the operating program in the phone, including the way. The above operation program includes the steps of inquiring the information in the banking chip, checking the prepaid value balance in the banking chip, subtracting the prepaid value in the chip, generating the approval request number, and generating the approval request. And displaying the number on the user's mobile phone screen and storing the details. At this time, in order to generate the approval request code, other information in the phone other than the chip information such as the mobile phone number and the mobile phone manufacturing serial number can be used as identification information for the confirmation of the prepaid value holder. It can be generated to include a defined number or letter with the production host.

Another feature of the present invention is when the user enters and transmits identification information for confirming the prepaid value holder, such as an approval request number and a mobile phone number, in an Internet content payment window in a method and system for using an online e-commerce of a mobile phone prepaid value means. It is to implement a method to compare and confirm the information in the chip and the identification information for identifying the prepaid value holder through the approval request number, and extract, justify, and approve the relevant information such as the amount of use and the date and time of use. The approval method includes extracting payment information such as in-chip information and a requested amount through an approval request number, comparing and confirming identification information for identifying the corresponding in-chip information and a prepaid value holder, and approving through the information. And transmitting whether to approve the online content provider requesting approval, and storing the details.

Another feature of the present invention is the data transmission and payment of the corresponding payment information, such as the authorization request number, online content provider, prepaid value issuer, mobile carrier, financial company, etc. It is to implement an operational host including a server that performs various tasks such as settlement and refund between each institution. The operation host compares the information in the chip with the approval request number received from the online content provider, extracts the information such as the amount of use, the date and time of use, and confirms and approves it. Send and receive data to related organizations such as prepaid issuers, verify value owner identification numbers, and send approval details to online content providers, and then convert them to the issuing company's payment data specifications. In addition, the company performs settlement of prepaid value according to the use of e-commerce payment price of mobile phone prepaid value.

The objects and features of the present invention can be further understood by reference to the accompanying drawings and detailed description.

Figure 1 is a block diagram showing an embodiment of a method and system for using the Internet of the mobile phone prepaid value means of the present invention. Referring to Figure 1 the mobile phone 10 and the prepaid value in the mobile phone chip 12 generated through the operating program in the mobile phone chip 10, the mobile phone 10 and the prepaid value stored in accordance with the present invention online electronic commerce The user's computer 20, which is connected to the e-commerce operator's server 40 to the Internet communication network 30, and also the product D / B 42, for sale to the approval request number 14 for use in the Internet. An e-commerce operation server 40 including a D / B 44, an operation host 50 and a prepaid payment D / B 60 for providing a service through the present invention, and a subscriber D / A mobile carrier server 70 including B 72 and an issuing company server 80 of prepaid value including issuing D / B 82 and payment D / B 84. The network communication between the e-commerce operation server 40, the operation host 50, the mobile communication company server 70 and the issuing company server 80 may use a dedicated line or an Internet communication protocol such as TCP / IP.

The mobile phone 10 is equipped with an IC card chip 12 for a financial or communication application service, and implements an operation program for online e-commerce use of the prepaid value means of the phone, and is inserted into and driven by the mobile phone 10. After subtracting the prepaid value stored in the chip 12 by the purchase amount, the payment is completed by inputting the generated and displayed approval request number 14 to the e-commerce payment screen for Internet content purchase. At this time, the operation program includes a security authentication module that performs encryption and decryption to securely process the transaction of the payment SAM, that is, the transaction with the chip, and includes the core commands, the key structure, and the encryption procedure. In addition, in order to generate an approval request code, other information in the phone other than the chip information such as a mobile phone number and a mobile phone manufacturing serial number may be used as identification information for checking the prepaid value holder. It can be generated by including a prescribed number or letters with the service operation server, the operation program is based on the local implementation, that is, based on a non-network, but includes a network-based implementation if necessary.

The e-commerce operation server 40 configures a payment screen so that the purchaser can use the prepaid value when the buyer wants to pay with the mobile phone prepaid value when the Internet content is purchased, and the buyer enters the prepaid value use approval request number and operates it. Send to the host 50, and receives the payment approval information of the operating host 50 to permit the buyer to purchase the goods.

The carrier server 70 receives the prepaid value holder confirmation when the operation host 50 requests to confirm the prepaid value holder to prevent fraudulent use of the prepaid value and enhance security, and compares and operates the information of the subscriber D / B 72. Send to host 50. The information used as an identification number for identifying the prepaid value holder includes a method of receiving information through an external operator such as a mobile phone company, a financial institution, a prepaid issuer, etc. in addition to information on the user's mobile phone. In this case, the receiving method includes a method of receiving and securing in advance and a method of receiving the identity by transmitting the information to them at every request for approval, and in the case of receiving and securing in advance, during the prepaid value payment D / B. Although the user information D / B should be configured, the user information D / B may not be configured among the prepaid payment D / B when the user receives the identity by transmitting the information to each request for approval.

The host 50 is composed of a prepaid value management server 50 and prepaid value settlement D / B, the prepaid value management server 50 is a prepaid value authentication server 52, prepaid value management server 54 It includes a prepaid value settlement server 56. In addition, the prepaid value payment D / B (60) is composed of a user information D / B (62), usage information D / B (64), authorization information D / B (66). The host 50 compares the information in the chip 12 with the approval request number 14 received from the online content provider, extracts the information such as the amount of use, the date and time of use, and confirms the validity. Approve and send and receive data to related organizations such as mobile carrier server 70, financial institution, prepaid value issuer server 80, and confirm the value owner identification number to the online content provider server 40 as needed. After transmitting the details, the transfer is converted to meet the payment data specifications recognized by the issuer and transmitted to the prepaid value issuer server 80. Perform the industrial affairs generated at this time. The settlement of the prepaid value in accordance with the use of the prepaid e-commerce payment price of the mobile phone 10 is a fee to the e-commerce operator 40 and the related institution after the host (50) operator receives the money used by the prepaid value issuer. Etc. shall be paid by mutual regulations. In this case, the method of payment may be changed as necessary.

The prepaid value issuing company server 80 includes an issuing D / B 82 and a payment D / B 84. The prepaid value issuer server 80 receives the prepaid value payment information transmitted from the operation host 50 to perform prepaid value payment such as comparison, authentication, change of details of each D / B 82, 84, and storage. To handle all business related to. In this case, when the host 50 charges the payment for the normal prepaid value payment, the prepaid value issuer server 80 remits the payment to the operation host 50 excluding the usage fee.

Figure 4 illustrates the overall work flow of the method and system for using the Internet of the mobile phone prepaid value means according to the present invention. When the mobile phone 10 first issues the IC chip for mobile phone finance to the mobile communication company, it receives the prepaid value and records the information in the IC chip 12. After the above work, the prepaid value can be used as a payment for Internet e-commerce. The mobile phone 10 deducts the prepaid value by the operating program, and generates (400) a payment request approval request number 14 for the use of the online e-commerce. In this case, although not shown in the drawing, the mobile phone 10 is driven to Switch to the corresponding service mode, input the usage amount, query the information in the chip 12, check the prepaid value balance in the banking chip 12, deduct the prepaid value in the chip 12, Generating an approval request number (14), displaying the generated approval request number (14) on a user's mobile phone screen, and storing the corresponding details of the payment and approval request number (14); Inputting the approval request number 14 into the e-commerce payment screen of the mobile phone user computer 20 (402), the e-commerce operation server 40 transmits the approval request number 14 to the operation host 50 In addition, the operation host 50 requests the value owner identity verification to the mobile carrier server 70 (406), and the mobile carrier server 70 receives the comparison, and confirms the value owner identity to the operation host (50) Send information 408. At this time, the method for verifying the identity of the value owner is possible through the other information in the cellular phone, such as the unique value of the cellular phone chip 12, if possible, the transmission and reception of the information for the identity of the value owner (406), (408) procedures Includes that omitted. In addition, the value owner identity verification information can be confirmed from other organizations such as a prepaid value issuer 70 or a financial company other than the mobile carrier, and the method of receiving the information is also received and secured in advance and requested upon approval. It is possible to transmit or receive the identity of the user, and in the case of receiving and securing in advance, the procedure of transmitting, receiving (406) and (408) the information for identifying the value owner identity includes omission. 4 is illustrated in the case of receiving the identity by sending the information to them each time the request for approval. The operation host 50 compares, analyzes, and confirms the value-owning identity information and the approval request number 14 to extract the payment information of the value and approve the just payment payment (410), and the e-commerce operation server (40). To send. The e-commerce operation server 40 receives the approval information, and permits the user to use the e-commerce. The operating host 50 transmits the payment details of the prepaid value through the payment to the prepaid value issuing company 70 (414), and the prepaid value issuing company 70 deposits the amount of payment to the operating host 50 ( 416). The operation host 50 deposits the settlement price excluding the fee to the e-commerce operation server 40 and settles the payment (418), and sets the usage fee to related institutions such as the prepaid value issuer 70 and the mobile communication server 70. 420 and 422. At the time of convenience, the method and procedure of payment shall include a change. Meanwhile, the user can charge 424 the prepaid value in the mobile phone chip 12 and use it online and offline.

5 is a method for generating an approval request number 14 for deducting prepaid value and paying for use in internet e-commerce through an operating program in the mobile phone 10 of the method and system for using a mobile phone prepaid value means according to the present invention. It shows the incision. The user drives the mobile phone 10 to switch to the prepaid value payment mode 500. If the user does not switch to the prepaid value settlement mode by pressing a designated key or the like 500, the corresponding operation 502 of the mobile phone 10 is performed. At this time, the step and method of inputting the designated key can be arbitrarily determined according to the mobile phone specification. When the input amount of the prepaid value to be used is input (504), when the input amount is completed, the chip 12 information such as the mobile phone chip 12 ID is queried (506), and the balance of the prepaid value stored in the chip 12 is checked (508). By comparing the prepaid value to be used and the stored prepaid value (510), if the stored prepaid value is more than the prepaid value to be used, the corresponding prepaid value is subtracted (514), and the approval request number (14) ) By storing the processing details such as the prepaid value deduction and authorization request number generation (518), and then displays the authorization request number on the screen of the mobile phone (10). In this case, when the stored prepaid value is less than the prepaid value to be used, the corresponding message is displayed to the user (512), and the prepaid value to be used includes a method of directly inputting by the user and selecting a fixed prepaid value.

Figure 6 illustrates the flow of a business procedure when paying for the use of the mobile phone prepaid value means of the mobile phone prepaid value of the present invention and the mobile payment in the Internet e-commerce. The user makes a purchase order 600 for predetermined goods and contents by accessing the electronic commerce server 40 through the Internet communication network 30 by the owner of the mobile phone 10. When the purchase order is made, the user moves to the payment screen 20 (not shown), and selects and inputs 602 whether to use the prepaid value. If the user selects whether to use the prepaid value, the user operates the mobile phone 10 by the method described with reference to FIG. 5 to perform a prepaid value payment procedure (604). When the prepaid value settlement process is completed, the approval request number 14 is generated and displayed on the screen of the mobile phone 10. The user checks the displayed approval request number 14 (606) and the identification request number (for example, a mobile phone number or social security number, etc.) to confirm the approval request number 14 and the owner of the prepaid value on the payment settlement screen 20 above. Enter). In this case, if the approval request number 14 is not displayed on the user's mobile phone, the mobile phone 10 is operated again to perform the prepaid value payment process (604). In the case of discontinuation, since the prepaid value in the mobile phone chip 12 is deducted, the prepaid value is refunded by performing a refund procedure. Enter the authorization request number (14) and the identification number to verify the owner of the prepaid value owner on the payment screen 20, the e-commerce operation server 40 operates the authorization request number (14) and prepaid value owner identification number Transfer (610) (610), the operating host 50 compares, analyzes, and confirms the value possession identity verification information and the approval request number (14), extracts the payment information of the value (612), the mobile carrier server The value owner identity verification request (614) to (70), the mobile communication company server 70 receives it and transmits the value owner identity verification information to the operation host 50 to the operation host (50). The operation host 50 receives the information (616), compares and analyzes the value-owning identity information and the approval request number (14) to confirm that it is a prepaid value owner (618), and approves the payment settlement (620). And it transmits to the e-commerce operation server 40 (622). The e-commerce operation server 40 receives the approval information, and permits the user to use the e-commerce (626). In addition, the operation host 50 transmits the payment details of the prepaid value through the payment for use to the prepaid value issuing company 70 (414). On the other hand, if the prepaid value owner identification number does not match due to the theft of the mobile phone, the operation host 50 transmits the approval of the e-commerce operation server (40) to stop the e-commerce payment process of the user. At this time, the operating host 50 notifies the prepaid value owner of the above fact, and since the prepaid value in the mobile phone chip 12 is deducted, the refund is performed by performing a refund procedure.

Next, when the user pays the prepaid value in the mobile phone chip 12 through electronic commerce, the payment process and the refund process of the payment price will be described.

7 is a flowchart illustrating a settlement procedure of a payment price of a method and a system for using an internet of a mobile phone prepaid value means according to the present invention. When the prepaid value in the mobile phone chip 12 is used as an e-commerce payment amount, the settled payment amount is a prepaid value in which the prepaid value owner has already paid the corresponding value. It is characterized by a short. Therefore, the operation host 50 is converted to meet the payment data specifications that the prepaid value issuing server 80 to be transmitted to the prepaid value issuing company server 80. The bill is charged 700. The prepaid value issuer server 80 receives and compares and authenticates prepaid value payment information, and processes various tasks related to prepaid value payment such as changing and storing details of each D / B 82 or 84. Thereafter, the payment amount excluding the usage fee is remitted to the operation host 50 with respect to the normal prepaid value payment. The operation host 50 receives the payment amount 702 of the payment, transfers the payment amount 704 to the e-commerce operation server 40 excluding the payment agency fee and the affiliate fee, and uses the mobile payment company server 70. Remit the fee (706).

8 is a flowchart illustrating a refund procedure for payment of a method and a system for using a mobile phone prepaid value according to the present invention. As described above with reference to FIG. 6, after the deduction of the prepaid value in the mobile phone chip 12, the prepaid value owner identification number due to the user's remorse or other reasons stops the e-commerce product purchase and the mobile phone is stolen. When a mismatch occurs, the prepaid value in the mobile phone chip 12 has been deducted. Therefore, the prepaid value is refunded to the prepaid value owner by performing a refund procedure. To this end, the operation host 50 divides the refund processing payment information and configures the prepaid value payment data for the purpose of refund processing (800), converts it according to the payment data specification recognized by the prepaid value issuing server 80, and issues the prepaid value. The transfer to the four server 80 (804). The operation host 50 transmits the refund processing details to the user or the user's mobile phone (804), and pays the refund amount in cash or account to the prepaid value owner. At this time, although not shown in the drawing, the prepaid value issuer server 80 receives and compares and authenticates the prepaid value payment information, and changes the details of each of the D / Bs 82 and 84, and stores the prepaid value. After processing all the tasks related to payment, the payment is remitted to the operation host 50 for the prepaid value payment for the purpose of refund.

With this configuration, users can immediately use the prepaid value means that are only available for offline transactions such as traffic prepaid, even if they have a mobile phone in the online area such as Internet contents. The content provider does not need a terminal or an internet access device, and thus can greatly expand the use place. The user can use freely from many problems such as unnecessary steps of purchasing separately in offline, many processing steps according to payment, inconvenience of having to go through authentication, security concerns such as personal information leakage, etc. , The general advantages of mobile payment methods, such as mobility (Anywhere Anytime), accessibility (Real POS, Virtual POS, No POS), convenience (requires card reader and PC not required), mobile phone versatility, etc. It does not require complicated input procedures and time without convenient terminal and real time networking.

Claims (4)

By implementing operation programs such as payment processing and generation of authorization request codes within mobile phones, the use of electronic commerce such as games, videos, and various Internet contents can be used to pay prepaid values such as transportation cards in mobile banking chips without additional devices such as payment terminals or Internet access devices. In the method and system of using the Internet of the mobile phone prepaid value means of payment, (a) To securely process payment transactions with the chip, perform encryption and decryption, construct a security authentication module such as key instructions, key structure, and encryption procedures to inquire information in the chip, and check the prepaid value balance in the chip; It is a network base that subtracts the prepaid value in the chip, and generates a payment approval request number on the mobile phone screen by using a random number or encryption and a prescribed number or letter with the operating host, and stores the corresponding information according to the payment. Implementing and operating a non-network-based operating program including the mobile phone; (b) verifying the prepaid value holder's identity using other information in the mobile phone, such as the mobile phone chip 12 and other unique values of the mobile phone, or through related organizations such as mobile carrier server 70, financial institution, or prepaid value issuer server 80; Comparing identification information for; (c) In order to pay the prepaid value in the mobile phone chip, payment information such as the authorization request number shall be transferred between the online content provider, the prepaid value issuer, the mobile carrier, and the financial institution, and related data will be transferred between the institutions. Implementing a HOST including a management, authentication, and settlement server that performs various tasks such as settlement; (d) Check the information in the chip through the approval request number received from the e-commerce management server, extract the information such as the amount of use, the date and time of use, and compare it with the identification information for identifying the information in the chip and the holder of the prepaid value. And confirming the legitimacy, approving the prepaid value payment, and transmitting the approval information to the e-commerce server requesting the approval to purchase the goods of the e-commerce. In implementing the step (a) of claim 1, in order to securely process the payment transaction with the chip, a payment SAM (Security Application) including a security authentication module including a key command, a key structure, an encryption procedure, etc. How to pay the prepaid value in the mobile phone immediately without any device such as internet access device by installing and driving the function of the module. In addition, by operating the mobile phone operating program to generate the approval request number for payment of the online e-commerce use price in the non-network state, that is, the mobile phone itself by entering the approval request number and identification information in the e-commerce payment input window cell phone chip How to make my prepaid payment possible for the use of e-commerce such as internet content purchase. In implementing the step (a) of claim 1, the operation host extracts the corresponding information such as the information in the chip, the amount of use, and the date and time using the received approval request number, and the payment data specification recognized by the prepaid value issuing server. The prepaid value of the prepaid value issuer is charged and charged to the prepaid value issuing company server. The prepaid value issuer server receives and compares and authenticates the prepaid value payment information, and changes and stores the details of the corresponding D / B. A method of billing and settlement of payments, characterized in that the payment deposit cycle is shorter than the postpay payment method such as billing mobile phone payment. After the deduction of the prepaid value in the mobile phone chip, the operation host pays the refund by suspending the e-commerce product purchase activity due to the user's remorse or other reasons, and the refund processing due to the mismatch of the prepaid value owner identification number such as theft of the mobile phone Dividing the information, configuring the prepaid value payment data for the purpose of refund processing, converting the data to the prepaid value issuing company server according to the payment data specification recognized by the prepaid value issuing server, and Refund method, including sending the refund processing to the user's mobile phone and paying the prepaid value owner cash or account for the refund.

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