KR20100127334A - Mobile home shopping payment system and payment method - Google Patents

Abstract

The present invention relates to a mobile home shopping payment system and payment method. The present invention, the user connects to the seller's site through a wired / wireless Internet network to apply for a VM program in a manner of inputting the terminal number of the user's mobile terminal through authentication by ID and password input or authorized certificate, A mobile terminal for receiving a callback message including a URL address for downloading the VM program after transmitting the authentication number to the mobile terminal in accordance with the application for VM program; A message processing server requesting to transmit a callback message including the URL information to a message processing server in response to a VM program download request according to the access by the wireless terminal; A mobile VM system (310, 320, 330 in FIG. 1) for approving the access of the mobile terminal according to the execution of the VM program by inputting the PIN number by the mobile terminal and executing mobile home shopping between the mobile terminal and the mobile payment server; In accordance with the access using the URL address of the mobile terminal, the mobile terminal transmits information such as product data, advertisements / notices, discount coupons and accumulated points to the mobile terminal through the mobile payment server, and the mobile terminal. Mobile payment server that receives the product information, payment method, shipping information, discount coupons and points that you want to purchase from the payment processing for the product; It includes. This reduces the time for ordering and payment for home shopping products, and provides the convenience of consumers by adding notices / advertisements, discount coupons and point systems, and payment information that existing credit card or bankbook payments have. It can solve the inconvenience of using the procedure for checking whether there is input error and whether the cash balance is high. In addition, a gift voucher can be added to make payment using an electronic voucher or an existing feeder / magnetic voucher.

Description

Mobile Home Shopping Settlement System and Method

The present invention relates to a mobile home shopping payment service, and more specifically, a user can shorten the order and payment time for a home shopping product using a mobile terminal, add a payment of a gift certificate, and use points / use and discount coupons. For mobile home shopping payment system and payment method.

Domestic telecommunication sales amount to W25trn, most of which are credit card payments.

According to data from the National Statistical Office, in 2006, online transactions amounted to more than 9 trillion won, more than 65% of which were paid using a card. The demand for telephone payments is expected to increase day by day as the demand for telephone transactions and orders for online transactions increases and the call center becomes active. It is estimated that a substantial portion of credit card sales of more than 260 trillion won will be made through telephone settlement.

On the other hand, the size of home shopping is increasing by 20-30% every year, and most of the payment methods are using credit cards. There are two ways to order ARS automatic ordering phone and internet ordering. In case of internet ordering, there is a way to reduce the amount of payment by using discount coupon and earning points. However, most orders are made by watching ARS automatic ordering phone. This attracts consumers with discount benefits and convenience of about 1,000 won when connecting toll-free telephones and automatic orders.

For the seller, ARS operation incurs additional costs such as phone costs, counselor labor costs, and computerized work costs.

However, unlike ARS orders, the use of discount coupons or earned points is limited, and the time required for ARS automated ordering calls is usually 2-3 minutes. With this in mind, we devised a home shopping VM payment service, and automatically outputs information on the products that are currently being broadcasted on the mobile phone using the VM program so that ordering and discount coupon down services and points can be used. It is required to develop a technology that provides consumers with the satisfaction of purchase through the discount and the reduction of order time and convenience. In addition, the seller can save the telephone cost, maintenance cost and computer input cost of the ARS order, and is required to develop a technology that can target consumers to match the consumption pattern.

Accordingly, the present invention is an order / payment system for processing the order and payment of goods using a mobile phone as a VM program in detail, the information about the goods on the mobile phone automatically outputs the use and points of the order and discount coupons and discount coupons It is possible to accumulate and use it, and adds a notice / advertisement column to solve the inconvenience of the existing ARS payment (by listening to the use of the guide, operation inconvenience, error input problem, order time, etc.).

Therefore, the present invention has been made to solve the problems of the prior art as described above, the object of the present invention is the mobile home shopping payment system for the use of discount coupons and orders and payment time reduction and use of home shopping products and To provide a payment method.

In addition, the mobile home shopping payment service according to the present invention solves the inconvenience of using the procedure of checking whether the payment information input inconvenience and cash balance held by the existing payment method credit card or bankbook payment, and gift certificates (electronic The present invention provides a mobile home shopping payment system and a payment method for convenience of use by adding a payment of a gift certificate and a feeder / magnetic gift certificate).

However, the objects of the present invention are not limited to the above-mentioned objects, and other objects not mentioned can be clearly understood by those skilled in the art from the following description.

Mobile home shopping payment system according to an embodiment of the present invention is applied to the VM program by accessing the seller's site through a wired / wireless network and inputting the ID and password or authentication by the official certificate and the terminal number of the mobile terminal. Wired / wireless terminals for wireless communication; A mobile terminal for receiving a callback message including a URL address for downloading a VM program according to the VM program application by the wired / wireless terminal; A mobile server requesting to transmit a callback message including the URL information to a message processing server in response to a VM program request for access by the wired / wireless terminal; A mobile swap server that approves the access of the mobile terminal according to the execution of the VM program by the mobile terminal and mediates to execute mobile home shopping between the mobile terminal and the mobile payment server; A mobile VM server for downloading a VM program to the mobile terminal according to a connection using the URL address of the mobile terminal; And received through the mobile swap server / mobile VM server to the mobile terminal, when running the VM program from the mobile terminal by entering the 7-digit or PIN (Personal Identity Number) number of the user to prevent fraudulent use, Reinforcing the authentication server to authenticate the legitimate user; Sales server receiving the latest information of the mobile server of the seller when running the VM program; And a mobile payment server receiving product data information, payment method, transportation information, discount coupon, and points to process payment for the corresponding product.

The mobile home shopping payment system stores data about products to be sold through interworking with the mobile payment server, and stores data about products to be sold to the mobile terminal transmitted by the mobile payment server. Data DB; Announcement and advertisement management module for transmitting to the approved mobile terminal; And a payment approval DB including a point module and a discount coupon module, processing payment approval through interworking with a financial company according to the payment method, and storing the payment approval as a payment data DB. It may include.

The mobile payment server connects the call signal processing and data session with the mobile terminal according to the execution of the VM program of the mobile terminal, and transmits the latest data about the product to the mobile terminal through the mobile VM server. Home shopping module; An authentication module for distinguishing that a user is a legitimate user by receiving a 7-digit number or a PIN (Personal Identity Number) number after the resident number of the mobile terminal user according to the execution of the VM program of the mobile terminal; A notice and an advertisement management module for searching for a seller server when executing a VM program and transmitting a notice about a product, and latest data of an advertisement to the mobile terminal; An order module for receiving the order data for the goods transmitted by the mobile terminal and storing the processing contents for the order in the payment approval DB; A payment method management module for transmitting data on ordering and payment, and receiving payment data input by the mobile terminal when the mobile terminal clicks a purchase button for a product; A payment processing management module for processing payment according to the order and payment data received from the mobile terminal and storing payment data in the payment approval DB; And accumulate the points granted according to the product order and payment to the mobile terminal, and store the accumulated point data in the payment approval DB, and store the accumulated point data stored in the payment approval DB together with an announcement, advertisement data, and a discount coupon. Points and discount coupon module to be transmitted to use the point data can include.

Mobile home shopping payment method according to an embodiment of the present invention includes a first request step for the wired / wireless terminal to request a VM program for receiving product information for home shopping by accessing the mobile web server; The mobile web server includes a second request step of requesting a callback message transmission including URL information of a mobile VM server storing a VM program to a message processing server; The message processing server transmitting a callback message including URL information of the mobile VM server to the mobile terminal; The mobile terminal is connected to the mobile VM server corresponding to the URL information receiving step of downloading and executing a VM program; After the mobile terminal connects the call signal processing and data session with the mobile payment server, inputs a 7-digit or PIN (Personal Identity Number) number after the user's social security number and performs authentication by transmitting to the mobile payment server. step; The mobile payment server is a second transmission step for transmitting product data, announcements and discount coupon data to the mobile terminal; The mobile terminal includes the product determination data generated by the selection of the necessary option information, such as product name, product number, quantity, color, size, etc. for the goods according to the product data, and the transport data including the address of the delivery to the mobile payment server Transmitting to the third transmission step; The mobile terminal is a payment step of generating a payment data by making a payment by inputting the discount coupon, points, payment method owned by the mobile payment server; And storing the mobile payment server by accumulating and storing points according to the payment after the payment processing. .

The payment method of the mobile home shopping step is, first, select the existing card 1) when the registered card is scrolled, select one of them to enter a password, or 2) enter the expiration date, CVC (or CVV) number, etc. 3) Pay by entering some number of cards (e.g., 4 digits) or password, or 4) If you select a card to be used, request an authorization number from a financial institution (bank, card company, VAN, PG company, etc.) and resend it (or 5) Apply the above procedure at the same time, or, secondly, New Use is a menu for registering additional cards in addition to existing cards. Register by entering the expiration date, card company, etc., and proceed with the payment process by the first method, or third, the account transfer account is displayed by the seller's bank account and the corresponding account Select and send the withdrawal account, and the next procedure is the same as the first existing card selection procedure, and if the registered account number is scrolled, select one of them to proceed with the payment process, or fourth, use the gift certificate When making a payment, a payment procedure and a process may be selectively performed to select a publisher and enter a gift certificate number and issue number.

The payment method of the mobile home shopping comprises the steps of: the mobile payment server transmitting the payment processing data to a customer authentication server, so that the customer authentication server processes authentication and billing through interworking with an external financial transaction server; A step for issuing cash receipts using discount coupons and points and gift certificates; And transmitting, by the mobile payment server, the payment processing data to a sales server so that a home shopping product seller can confirm data on product release.

The present inventors mobile home shopping payment system and payment method provides an effect of reducing the order, payment time for home shopping products using a mobile terminal.

In addition, the present invention has the effect of solving the inconvenience of using the procedure for checking whether the payment information input inconvenience and cash balances that the existing payment method credit card or bankbook payment has and the gift certificate (electronic gift certificate, tributary / magnetic) Gift vouchers), plus discount coupons and points earned and used to provide convenience of use.

Hereinafter, a detailed description of a preferred embodiment of the present invention will be described with reference to the accompanying drawings. In the following description of the present invention, detailed descriptions of well-known functions or configurations will be omitted when it is deemed that they may unnecessarily obscure the subject matter of the present invention.

In the present specification, when one component 'transmits' data or a signal to another component, any one component may directly transmit data or a signal to another component, and at least one other component. This means that data or a signal can be transmitted to other components through the APC.

1 is a block diagram showing a mobile home shopping payment system according to an embodiment of the present invention. Referring to FIG. 1, the mobile home shopping payment system includes a terminal 100, a communication network 200, a mobile VM system 300, a message processing server 400, a customer authentication server 500, and a sales server 600. .

The terminal 100 includes a wired terminal 110 and a mobile terminal 130. The wired terminal 110 performs data communication with a server and other wired terminals through the wired network 210, and includes a PC, a laptop, and the like. The wired terminal 110 connects to the mobile web server 310 through the wired network 210 and requests a VM program to the mobile terminal 130 possessed by the same person as the wired terminal 110 holder. In this case, the user accesses the mobile web server 310 through the wired terminal 110 and inputs an ID and password, or authenticates himself with an authorized certificate, and then inputs a terminal number (MIN) of the mobile terminal 130. Apply for a VM program by the method.

The mobile terminal 130 not only provides a call function for performing a typical voice and video call wirelessly with other terminals through the wireless network 230, but also provides various functions through an internet network using a provided web browser. Means a mobile communication terminal that can receive content. The mobile terminal 130 is equipped with a mobile VM program to purchase, gift, and use home shopping products.

The mobile terminal 130 receives a callback message including the URL address for downloading the VM program from the message processing server 400 according to the VM program download request through the mobile web server 310 connected by the wired terminal 110. . The mobile terminal 130 accesses the mobile VM server 330 corresponding to the URL address, downloads the VM program, and executes it.

The communication network 200 includes a wired network 210 and a wireless network 230. The wired network 210 refers to a data communication network for information exchange such as signal transmission and data transmission between the wired terminal 110 and the server 300. Wired network 210 is a high-speed backbone network of a large communication network capable of large-capacity, long-distance voice and data services, and may be replaced with a next-generation wired network for providing high-speed multimedia services. The wireless network 230 may be a synchronous mobile communication network or an asynchronous mobile communication network. The wireless network 230 transfers signals and data between the mobile terminal 130 and the server 300 and the system connected to the wireless network 230.

The mobile VM system 300 includes a mobile web server 310, a mobile swap server 320, a mobile VM server 330, a mobile payment server 340, a product data DB 350, and a payment approval DB 360. do. The mobile web server 310 enters an ID and password according to a connection through the wired network 210 by the wired terminal 110, or authenticates himself with an authorized certificate, and then the terminal number (MIN) of the mobile terminal 130. A server that receives a VM program download request by inputting a. The mobile web server 310 requests the message processing server 400 to transmit a callback message including the URL information of the mobile VM server 330 according to the download request.

The mobile swap server 320 approves the connection through the wireless network 230 according to the execution of the VM program by the mobile terminal 130. Thereafter, the mobile swap server 320 mediates to execute mobile home shopping between the mobile terminal 130 and the mobile payment server 340.

The mobile VM server 330 downloads a VM program to the mobile terminal 130 according to the connection of the mobile terminal 130.

The mobile payment server 340 transmits the product data to the mobile terminal 130, and receives the product information, payment method, shipping information, discount coupon and points you want to purchase from the mobile terminal 130 to pay for the product Process.

The product data DB 350 stores data about products to be sold through interworking with the mobile payment server 340. In the present specification, the DB may mean a functional structural combination of software and hardware for storing information corresponding to each DB. The DB may be implemented as at least one table, and may further include a separate DBMS (Database Management System) for searching, storing, and managing information stored in the DB. In addition, it may be implemented in various ways such as a linked-list, a tree, a relational DB, and includes all data storage media and data structures capable of storing information corresponding to the DB. The payment approval DB 360 processes the payment approval through interworking with the financial company according to the payment method and stores the corresponding payment information as a DB.

The message processing server 400 includes URL information of the mobile VM server 350 which is a WAP server for accessing the callback message to the wireless terminal 110. The message processing server 400 may include an SMS module and an MMS module to process the SMS or MMS.

The customer authentication server 500 performs authentication and billing according to product payment through interworking with an external financial transaction server. More specifically, the customer authentication server 500 periodically connects to the payment approval DB 360 of the mobile VM system 300 to receive payment contents for a plurality of mobile terminals 130 and interwork with an external financial transaction server. Through the process of authentication and billing for payment of goods.

The sales server 600 is a server installed in a home shopping sales company, and provides data on the product to the mobile payment server 340, and receives payment data from the mobile payment server 340. On the other hand, the mobile payment server 340 transmits the payment processing data to the sales server 600, so that the home shopping product sellers can check the data on the goods release.

In addition, the latest information is transmitted when running the VM program in conjunction with the announcement / advertisement module, discount coupon module and point module.

FIG. 2 is a diagram illustrating an interlocking operation between the mobile payment server 340, the product data DB 350, and the payment approval DB 360 of FIG. 1. 1 and 2, the mobile payment server 340 is a mobile home shopping module 341, payment method management module 342, payment processing management module 343, announcements and advertising management module 345, orders Module 346, authentication module 347, and point module 348. In addition, the discount coupon module may be operated independently or included in the notification / advertisement management module 345 to operate. In the present specification, the module may mean a functional and structural combination of hardware for performing the technical idea of the present invention and software for driving the hardware. For example, the module may mean a logical unit of a predetermined code and a hardware resource for performing the predetermined code, and means a physically connected code or does not necessarily mean one kind of hardware. It can be easily inferred by the average expert in the art.

The mobile home shopping module 341 connects call signal processing and data sessions with the mobile terminal 130 as the mobile terminal 130 executes the VM program. The mobile home shopping module 341 transmits the latest data on the product to the mobile terminal 130 through the mobile VM server 330, and receives the product data including the option information of the selected product. The data about the product may include a product name, a product number, a quantity, a color, and a size. In addition, the mobile home shopping module 341 receives transportation data indicating the selected transportation method input by the mobile terminal 130.

When the mobile terminal 130 clicks a purchase button for a product, the payment method management module 342 inputs order data (product name, quantity, etc.) for a purchased product, and enters a shipping address, and provides data on a payment method. It transmits, and receives the payment data input by the mobile terminal 130.

The payment processing management module 343 processes the payment according to the payment data received from the mobile terminal 130 and stores the data for each mobile terminal 130 as the payment approval DB 360, and the customer authentication server 500. Through authentication with the external financial transaction server through the authentication is performed.

Announcement and advertisement management module 345 transmits the notification data when the announcement for the product, the advertisement data for the product before the latest data transmission for a specific product to the mobile terminal 130. The announcement may include discount coupon data for the product, and the mobile terminal 130 downloads the discount coupon to the mobile terminal 130 when the mobile terminal 130 requests the download of the discount coupon.

The order module 346 receives the order data (product data, transportation data) for the corresponding product transmitted by the mobile terminal 130 and stores the processing contents for the order in the payment approval DB 360.

The authentication module 347 performs authentication on the mobile terminal 130 according to data communication with the mobile terminal 130. When the authentication module 347 is clicked on the downloaded VM program, if the user enters a 7-digit number or PIN (Personal Identity Number) number after the user's social security number, the VM program is executed and the latest information is searched on the mobile server to update the information. do. This is an authentication step that enhances security so that no one other than the user can use it.

The point module 348 stores the points granted according to the product order and the payment in the payment approval DB 360 in association with the personal mobile terminal 130. On the other hand, the point module 348 transmits the accumulated point data for each mobile terminal 130 stored in the payment approval DB 360 to the mobile terminal 130 along with the announcement and the advertisement data so that the point data can be used.

3 is a flowchart illustrating a mobile home shopping payment method according to an exemplary embodiment of the present invention. 1 to 3, the wired terminal 110 requests a VM program by accessing the mobile web server 310 (S1). That is, before watching a home shopping advertisement through a TV, the user requests a VM program, which is a preliminary procedure for home shopping to the mobile terminal 130 through the wired terminal 110.

The mobile web server 310 requests the callback message transmission to the message processing server 400 (S3). The callback message includes URL information of the mobile VM server 330 that stores the VM program. Callback messages may be provided in the form of SMS or MMS.

The message processing server 400 transmits a callback message including the URL information of the mobile VM server 330 to the mobile terminal 130 (S5).

The mobile terminal 130 requests a VM program download by accessing the mobile VM server 330 corresponding to the corresponding URL information (S7). Accordingly, the mobile VM server 330 downloads the VM program to the mobile terminal 130 (S9).

When the user who was watching home shopping on the TV runs the VM program for the mobile terminal 130 to purchase the program, the program is driven and the authentication is input after the user's social security number 7 digits or a PIN number, accordingly, the mobile terminal 130 performs authentication with the mobile payment server 340 (S15). Search for new information (notice / advertisement, discount coupon, point score, etc.) and output it to the mobile terminal, the mobile payment server 340 and the call signal processing and data session is connected (S13). The mobile payment server 340 may perform authentication in a manner that is received. In addition, by receiving a PIN (Product IdeNtity) number of the product you want to purchase, it can be distinguished that the information about a specific product of a plurality of products (for other products).

The mobile payment server 340 transmits the product data, announcements and discount coupon data to the mobile terminal 130 (S17). More specifically, the mobile payment server 340 extracts the product data, announcements and discount coupon data for the product stored in the product data DB and transmits to the wireless terminal 130 through the mobile swap server 320.

The mobile terminal 130 transmits the product determination data according to the product data to the mobile payment server 400 (S19). That is, the mobile terminal 130 transmits the product determination data generated according to the input of selecting order information such as a product name, a product number, a quantity, a color, and a size, according to the VM program using the received product data to the mobile payment server 400. send.

The mobile payment server 340 transmits a response message for the step (S19) to the mobile terminal 130 (S21). That is, the mobile payment server 340 receives the product determination data and transmits the product determination data response according to the product data to inform the mobile terminal 130 of the received.

The mobile terminal 130 transmits the transportation data to the mobile payment server 340 (S23). That is, the mobile terminal 130 transmits the generated transport data to the mobile payment server 340 according to a selection input for the existing address, the new address, the name of the recipient, the recipient HP, etc. according to the VM program.

The mobile payment server 340 transmits a response message for the step (S23) to the mobile terminal 130 (S25). That is, the mobile payment server 340 receives the transport data and transmits a transport data response according to the transport data indicating that the transport data is received to the mobile terminal 130.

The mobile terminal 130 transmits the discount coupon input, point registration and purchase decision to the mobile payment server 340 (S27). That is, the mobile terminal 130 automatically registers or inputs a discount coupon issued from the mobile payment server 340, and inputs a point possessed by the mobile payment server 340 to the mobile payment server 340.

Accordingly, the mobile payment server 340 transmits a response message for the step (S27) to the mobile terminal 130 (S28). That is, the mobile payment server 340 receives the discount coupon input, point registration and purchase decision to transmit a response indicating that it is received to the mobile terminal 130.

The mobile terminal 130 transmits the payment data to the mobile payment server 340 (S31). That is, when the user of the mobile terminal 130 selects a purchase method and decides to purchase, data for this is transmitted to the mobile payment server 340. Here, the payment method may be a card, passbook payment, bank transfer, gift voucher payment.

The mobile payment server 340 transmits a response message for the step (S31) to the mobile terminal 130 (S33). That is, the mobile payment server 340 receives the payment data and transmits a payment data response indicating that the payment is received to the mobile terminal 130.

The mobile payment server 340 stores the point settlement and payment processing data according to the payment after the payment processing (S35). At this time, the mobile payment server 340 accumulates and stores the points.

When the mobile payment server 340 transmits the payment processing data to the customer authentication server 500 (S37), the customer authentication server 500 processes authentication and billing through interworking with an external financial transaction server (S39). This includes the IRS that handles cash receipts and issuers of gift certificates.

On the other hand, although not shown, the mobile payment server 340 transmits the payment processing data to the sales server 600, so that the home shopping product sellers can check the data on the goods delivery.

The invention can also be embodied as computer readable code on a computer readable recording medium. Computer-readable recording media include all kinds of recording devices that store data that can be read by a computer system.

Examples of computer-readable recording media include ROM, RAM, CD-ROM, magnetic tape, floppy disks, optical data storage devices, and the like, which are also implemented in the form of carrier waves (eg, transmission over the Internet). It also includes.

The computer readable recording medium can also be distributed over network coupled computer systems so that the computer readable code is stored and executed in a distributed fashion. And functional programs, codes and code segments for implementing the present invention can be easily inferred by programmers in the art to which the present invention belongs.

4 is a view showing a UI screen implemented in the mobile terminal 130 according to the mobile home shopping payment method according to an embodiment of the present invention. 1 to 4, when the mobile terminal 130 executes the downloaded VM program, it inputs a 7 digit or PIN number after the user's social security number to perform VM program authentication, and a PIN (Personal Identity Number) number. Set. Thereafter, the user selects " 3. Register points " in the main menu of FIG. 4 (a) to register the point card number, which is optional. Other necessary information, such as notifications and advertisements and discount coupons, will automatically output new information by searching the mobile server when running the VM program.

When the VM program is executed, the mobile VM server 330 is executed at the same time to update the latest information about the product.

If you select "1. Buy Current Product", go to Figure 4 (b) and select 1.Product Name, 2.Quantity, 3.Payment, 4. Amount, 5.Size (may be more than one), 6. About Color The selection input window is developed. Fig. 4B is an example in which the option of the product is added, and in the case of size, the top and the bottom are selected. If each item is not required, it is deactivated. This is the step of entering information about the order.

In addition, the payment method of 4 (b) can be selected 1) one-time payment 2) interest-free installment. On the other hand, the payment method may be shown in the UI of FIG. 4 (e), not the screen of FIG. 4 (b). The amount of FIG. 4 (b) is automatically filled in when interest-free installment and lump sum are selected.

Enter the description of Fig. 4 (b) and select the "OK button" to move to the transportation data (delivery place setting) input window of Fig. 4 (c). As shown, a selection input window for 1. existing address, 2. new address, 3. recipient name, 4. recipient phone number is developed. Transport data (delivery place setting) input window is a delivery place setting step, and the existing address is displayed as a pop-up window, so select the desired address. The new address is to receive a new address or to give a gift. If you enter the name of the address in DB, the scrolling address is selected, and the detailed address is entered directly. If you do not enter a recipient name and recipient phone number, your name and phone number are entered. When you click OK, the input information confirmation window appears. If it's correct, you'll go back to the previous step.

Entering the description of Figure 4 (c) and select the "Confirm button" moves to the payment data (payment method) input window of Figure 4 (d). As shown, a selection input window for 1. discount coupon and point use, 2. direct payment is developed.

More specifically, the payment method screen (Fig. 4 (d)) is composed of 1. discount coupon and point payment and 2. payment button immediately. If you select 1. 1) Discount coupons are automatically deducted by entering the coupon number, 2) Points available points represent the cumulative score previously accumulated (impossible), 3) Use points enter the score you want to use do.

In the upper part of FIG. 4 (e), 1. The options for the use of discount coupons and points are shown. 1. If the option for the use of discount coupons and points is input, the entire screen of FIG. 4 (e) is developed. On the other hand, if you choose 2. payment immediately, 1. select existing card, 2, new items, 3. account transfer details, 4. gift voucher payment is displayed on the screen. Here, 1. Use the existing card selection 1) If the registered card is scrolled, you can select it, or 2) enter the card number, expiration date, CVC (or CVV) number, etc. can be paid. 3) Make a payment by entering a partial number (eg 4 digits) or password on the card. 4) Alternatively, if you select a card to be used, you can request an authorization number from a financial institution (bank, card company, VAN, PG company, etc.) and resend (or confirm) it, or enter the authorization number separately to approve the use of the card. 5) You can apply it at the same time. 2. New item is menu to register additional card besides existing card. 3. The bank transfer account is displayed by the seller's bank account, select and transfer the withdrawal account. This is the same as the existing card selection procedure above. If the registered account number is scrolled, select one of them. 4. Payment of the gift certificate can be made by selecting the issuer and entering the gift certificate number and issue number.

On the other hand, if you input each item of Fig. 4 (e) and select the "confirmation button", the payment information of Fig. 4 (f) is output. As shown, payment information is output. Specifically, transaction information such as date of use, customer, etc. is displayed. 1. Total payment amount, 2. Discount coupon, 3. Point usage item and 4. Gift certificate payment item, the sum of the actual payment amount is displayed. do. In addition, payment information and seller information, such as points accumulated, card approval number, cash receipt number due to the use of this time is output.

As described above, the specification and the drawings have been described with respect to the preferred embodiments of the present invention, although specific terms are used, it is only used in a general sense to easily explain the technical contents of the present invention and to help the understanding of the invention. It is not intended to limit the scope of the present invention. It will be apparent to those skilled in the art that other modifications based on the technical idea of the present invention can be carried out in addition to the embodiments disclosed herein.

1 is a block diagram showing a mobile virtual machine payment system according to an embodiment of the present invention.

FIG. 2 is a diagram illustrating an interlocking operation between a mobile payment server, a product data DB, and a payment approval DB of FIG. 1.

3 is a flowchart illustrating a mobile virtual machine payment method according to an embodiment of the present invention.

4 is a diagram illustrating a UI screen implemented in a mobile terminal according to a mobile virtual machine payment method according to an embodiment of the present invention.

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

100: terminal 200: communication network

300: mobile payment system 400: message processing server

500: customer authentication server 600: sales server

Claims (6)

Wired / wireless terminals for accessing the seller's site through wired / wireless networks and applying for a VM program in a manner of inputting an ID and password or authentication by an official certificate and a terminal number of a mobile terminal; A mobile terminal for receiving a callback message including a URL address for downloading a VM program according to the VM program application by the wired / wireless terminal; A mobile server requesting to transmit a callback message including the URL information to a message processing server in response to a VM program request for access by the wired / wireless terminal; A mobile swap server that approves the access of the mobile terminal according to the execution of the VM program by the mobile terminal and mediates to execute mobile home shopping between the mobile terminal and the mobile payment server; A mobile VM server for downloading a VM program to the mobile terminal according to a connection using the URL address of the mobile terminal; And Received to the mobile terminal through the mobile swap server / mobile VM server, when entering the 7-digit or PIN (Personal Identity Number) number after the user's social security number when running the VM program from the mobile terminal to prevent fraudulent use, An authentication server for reinforcing and authenticating a legitimate user; Sales server receiving the latest information of the mobile server of the seller when running the VM program; And a mobile payment server receiving product data information, payment method, transportation information, discount coupon, and points to process payment for the corresponding product; Mobile home shopping payment system comprising a. The method of claim 1, A product data DB for storing data on products to be sold through interworking with the mobile payment server, and storing data on products to be sold to the mobile terminal transmitted by the mobile payment server; And Announcement and advertisement management module for transmitting to the approved mobile terminal; And a point module and a discount coupon module, The mobile home shopping payment system, characterized in that it further comprises; payment approval DB for processing the payment approval through the interworking with the financial company in accordance with the payment method and stored in the payment data DB. According to claim 2, The mobile payment server, A mobile home shopping module for connecting a call signal processing and a data session with the mobile terminal according to the execution of the VM program of the mobile terminal and transmitting the latest data about the product to the mobile terminal through the mobile VM server; An authentication module for identifying a legitimate user by receiving a 7-digit or PIN (Personal Identity Number) number after the resident number of the mobile terminal user according to the execution of the VM program of the mobile terminal; A notice and an advertisement management module for searching for a seller server when executing a VM program and transmitting a notice about a product, and latest data of an advertisement to the mobile terminal; An order module for receiving the order data for the goods transmitted by the mobile terminal and storing the processing contents for the order in the payment approval DB; A payment method management module for transmitting data on ordering and payment, and receiving payment data input by the mobile terminal when the mobile terminal clicks a purchase button for a product; A payment processing management module for processing payment according to the order and payment data received from the mobile terminal and storing payment data in the payment approval DB; And Accumulating the points given in accordance with the product order and payment to the mobile terminal and stores in the payment approval DB, the cumulative point data stored in the payment approval DB to the mobile terminal together with announcements and advertising data and discount coupons Mobile home shopping payment system comprising a; and points and discount coupon module to transmit the point data to be used. A first request step of requesting a VM program for accessing a mobile web server from a wired / wireless terminal to receive product information on home shopping; The mobile web server includes a second request step of requesting a callback message transmission including URL information of a mobile VM server storing a VM program to a message processing server; The message processing server transmitting a callback message including URL information of the mobile VM server to the mobile terminal; The mobile terminal is connected to the mobile VM server corresponding to the URL information receiving step of downloading and executing a VM program; After the mobile terminal connects the call signal processing and data session with the mobile payment server, inputs a 7-digit or PIN (Personal Identity Number) number after the user's social security number and performs authentication by transmitting to the mobile payment server. step; The mobile payment server is a second transmission step for transmitting product data, announcements and discount coupon data to the mobile terminal; The mobile terminal includes the product determination data generated by the selection of the necessary option information, such as product name, product number, quantity, color, size, etc. for the goods according to the product data, and the transport data including the address of the delivery to the mobile payment server Transmitting to the third transmission step; The mobile terminal is a payment step of generating a payment data by making a payment by inputting the discount coupon, points, payment method owned by the mobile payment server; And The mobile payment server accumulates and stores points according to the payment after the payment processing; Mobile home shopping payment method comprising a. The method of claim 4, wherein Payment method of the payment step is First, select an existing card by 1) scrolling through the registered cards, select one of them to enter a password, or 2) enter an expiration date, CVC (or CVV) number, etc. 4) or enter a password to pay, or 4) select a card to use and ask your financial institution (bank, card company, VAN, PG company, etc.) for an authorization number and resend (or confirm) it, or enter an authorization number separately. To use the card through the authorization process or 5) apply the above procedure at the same time, Second, the new use is a menu for registering an additional card in addition to the existing card, by entering the card number, expiration date, card company, etc., proceed with the payment procedure by the first method, Third, the bank transfer account of the seller's bank account is displayed, select the relevant bank account and input the withdrawal account, and the next procedure is the same as the first existing card selection procedure, and the registered account number is used. When scrolled, choose from these to proceed with the payment process, Fourth, the mobile home shopping payment method, characterized in that the payment process and proceeds to selectively select the issuer to make a payment by entering the voucher number and issue number when paying using the gift certificate. The method of claim 4, wherein The mobile payment server transmitting the payment processing data to a customer authentication server, such that the customer authentication server processes authentication and billing through interworking with an external financial transaction server; A step for issuing cash receipts using discount coupons and points and gift certificates; And Transmitting, by the mobile payment server, the payment processing data to a sales server so that a home shopping product sales company checks data on product release; Mobile home shopping payment method characterized in that it further comprises.

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