KR20010044769A - Settlement system and method using the credit-phone - Google Patents

Abstract

In the present invention, when a buyer purchases food or eats food at a merchant affiliated with a financial and card company, the buyer leaks the buyer's information by directly using a credit-phone instead of a credit card. Using a credit phone that enables a user to control the authentication and payment of the buyer by holding a holding system, and to check the sales slip output from the merchant card terminal immediately after payment approval. Provide a credit settlement method.

Description

Payment system and method using credit phone {SETTLEMENT SYSTEM AND METHOD USING THE CREDIT-PHONE}

The present invention relates to a method of making a credit payment for a purchase using a credit-phone, in particular, when purchasing goods or buying food at a merchant of a financial and card company, instead of a conventional credit card payment. It is about providing a security-enhanced system by making a payment using a diet phone.

In general, payment using a credit card is made so that a purchaser holding a credit card passes the credit card to a store owner and makes a payment after going through the financial inquiry by contacting the magnetic terminal at a terminal installed in the affiliated store or store. In the above process, the purchaser does not directly pay the card, but is instead made by the store owner. Therefore, there is a possibility that the card information may be leaked without the buyer's knowledge, and there is a risk of hacking while exchanging information with the payment server. do.

In order to solve the above problems, a payment method using a web coin or a mobile phone has been proposed as an alternative. Until now, most of payment methods using a mobile phone have been used for payment methods for Internet commerce, and the related art is disclosed in Korean Patent Publication No. 2000-6796. In the related art, when a user with a mobile phone makes a payment through the Internet, the consumer selects a content or an item to be purchased on the Internet, and then gives the seller his or her mobile number or an ID contracted with the mobile carrier in advance. When sent over the web, the seller delivers the purchased goods information and the mobile number or the ID to the mobile carrier, the mobile carrier confirms that the number or ID is a normal user to notify the seller of the user authentication, the seller 1 Generates a password for use and sends the generated password to the mobile phone, the mobile phone holder confirms to the seller that the actual mobile phone owner by entering the received password directly on the seller's site, the seller enters the password and the password generated by the consumer Compares and matches Electronic payments that consist of selling goods or contents, and the purchase price is added to the mobile phone bill that the customer pays monthly, and after the consumer pays the bill, the mobile service provider pays the seller an amount excluding the storage agency and the authentication fee. It is about a method. According to the above method, when purchasing an item on the Internet, payment is made by simultaneously using the web and a mobile phone, and after the end of the above steps, the purchaser cannot immediately confirm the authentication details of the purchase, Since payment is added to the monthly mobile phone bill, the claim is made, so there is a disadvantage that an objection to the authentication details cannot be made immediately.

The payment method in the Internet e-commerce using mobile communication similar to the prior art is disclosed in Korean Patent Publication No. 2000-24137, which is a resident registration number, mobile phone number, mobile communication when applying for purchases on the Internet. If you enter your password and name, you can search the database of the transaction certification authority, payment agency, and credit information agency to verify the identity of the buyer of the goods, and when the confirmation is complete, you are asked whether you want to make a payment through the buyer's mobile terminal. Send a message. Then, when the purchaser presses the call button, the mobile communication company reconciles the terminal's unique number with the personal information entered by the purchaser on the Internet, and when the confirmation is confirmed, the caller's call charge and the purchase history and the amount of the purchaser are attached to the bill at the end of the month. do. In the above case, since the information of the buyer is directly transmitted to the Internet, the security of personal information is not maintained. In order to verify the purchaser, a text message is sent to the purchaser's mobile terminal to confirm the purchase. And the step of confirming the payment approval history by the buyer is omitted.

In addition, other payment methods using a mobile phone include a method of paying a transportation fee using a mobile phone, which does not correspond to the purchase of goods, but is a chip having a special function mounted on a flip part of a mobile phone. It is merely intended to show the function, and payment for this takes the form of a service for making a payment in postpay.

The above-described prior art is mostly limited to payment in Internet commerce, not offline payment, and mobile phones are used only as an auxiliary means for payment, and are mainly used as a means of billing. In addition, when purchasing an item by accessing the Internet, the personal information of the buyer is transmitted without any special security measures, so the risk of leakage to the outside may be very high.

It is an object of the present invention when a purchaser buys an item at a merchant that can make a credit payment, buys food, etc., and makes a payment, using a credit-phone having a credit card function. The ID, password, merchant number, purchase history and payment information can be transmitted to the buyer authentication and purchase request, and the transmission history by the buyer stores the unique GPID signal generated by the credit phone and the serial number of the terminal. The hardware information generated from the built-in communication chip is transmitted together with the credit phone server (or mobile communication device server) and the holding system to maintain security, and even if the transmission contents are leaked or hacked outside, it is impossible to decipher the security. It is to provide a credit settlement method in which maintenance is performed.

In addition, in performing a credit payment, the buyer pays with a credit phone instead of using a credit card, and immediately after payment, checks the payment slip output from the card terminal of the merchant and signs it.

1 is a flow chart showing the step of making a payment using a credit phone according to the present invention,

2 is a block diagram showing the type of signals transmitted and received between objects according to the present invention;

3 is a flowchart illustrating another embodiment of the present invention;

4 is a flowchart illustrating a payment process by operating an additional function displayed on a terminal screen of a credit phone according to the present invention.

In order to achieve the above object, the credit phone according to the present invention is an intangible mobile card that adds the function of a credit card to the function of a mobile phone, and is used as an alternative to the conventional magnetic contact credit card, and the buyer can By using the phone, you can request payment by directly accessing to the financial and credit card company server through the credit phone server (or mobile communication device server) and / or holding system, and the payment is linked with the existing credit card company. Is operated. In addition, the payment according to the present invention is also made in cash, but mainly made of a web coin (web-coin) is a kind of cyber money, the web coin is a buyer with the credit phone to receive a credit settlement service And when you open a payment account through membership in a holding system affiliated with the card company, at the same time a certain amount of web coins are credited to the payment account. Thereafter, the user can earn a web coin in the payment account by depositing and acquiring various event products, and can also loan from the financial and card companies. A certain amount of web coins paid at the time of new subscription of the payment account is similar to a negative bank account issued by a general financial institution, and is a web coin paid to a buyer in the form of a credit loan. Therefore, the web coin has the same characteristics as the balance of the payment account.

Specific system configuration used to implement the present invention is a purchaser having a credit phone that actually makes a purchase; Credit phone server for transmitting the buyer data, merchant number and purchase history received from the buyer to the holding system; A holding system for transmitting the authentication of the purchaser who makes the purchase through the credit phone, the purchase history received from the purchaser, and the merchant number to the financial and card company server; A financial and card company server that performs payment approval, ticket issuance, web coin settlement and payment verification; And provides goods, food and other services to the buyer, and consists of a merchant to confirm by comparing the payment slip received on the credit card and the buyer's credit phone, the payment according to the present invention is made of the web coin It is a post-payment method that bills the buyer through monthly settlement.

In more detail the step of making a payment using a credit phone according to the present invention, the purchaser having the credit phone visits the merchant for the purpose of goods purchase and sale, and purchases goods; A purchaser having a credit phone for the purchase selects an additional function added to a terminal screen and sends a purchase history, ID, password, merchant number, and payment information to the credit phone server; The credit phone server receiving the information sends a buyer authentication request signal together with the information to the holding system; The holding system transmits the purchaser authentication to the credit phone server and the financial and card company server, and transmits the payment history and the merchant number for the purchase of the goods to the financial and card company server; The financial and card company server transmitting the payment confirmation and web coin balance information to the holding system with respect to the received payment details; The financial and card company server transmitting the payment approval and slip output signal to the merchant card terminal for the payment history; The holding system transmits the payment confirmation and the web coin balance information received from the financial and card company server to the credit phone server; The credit phone server transmitting the received payment confirmation and web coin balance information to a credit phone possessed by a purchaser; The purchaser having the credit phone checks the payment information received on the screen of the credit phone and the payment approval details received at the merchant card terminal; After the confirmation step, the buyer confirms the payment by signing the slip output from the merchant card terminal; After the end of the payment, the purchaser holding the credit phone goes through the step of depositing the payment amount on the payment invoice to the financial and card companies on the financial and card settlement date at the end of the month. In addition, the credit phone has a built-in communication chip that can store and update the hardware information including the serial number of the terminal, and the signal containing the encrypted GPID signal and hardware information generated from the credit phone is transmitted Payment will be made.

When making a payment using a credit phone according to the present invention, the payment is possible for the purchase of goods, food, cultural goods, accommodation, and conventional mobile phone payments provided by merchants of financial and card companies that have introduced the holding system. The purchase of goods in the Internet shopping mall that has been made, and the payment is made by the buyer with a credit phone directly connected to the holding system by entering the ID, password, purchase history, merchant number and payment information. When the payment is made using the credit phone, if the owner is not the owner of the terminal, payment is not made because the purchaser authentication is not made, and thus the user can be held, and the owner of the terminal has lost the credit phone. In this case, payment and use of the mobile phone are suspended by reporting loss to the telecommunications company. On the other hand, the purchaser data transmitted from the credit phone to the credit phone server and the holding system is transmitted along with the hardware information including the encrypted GPID signal and the serial number of the terminal, it is possible to maintain security.

(Example)

Hereinafter, embodiments according to the present invention will be described in more detail with reference to the drawings.

Figure 1 shows the step of making a payment using a credit phone according to the present invention, the buyer (1) who has a credit phone payment to a financial and card company equipped with a holding system (3) as described above It is necessary to open an account and deposit a web coin, and the buyer 1 having the credit phone stores the serial data stored in the communication chip embedded in the credit phone such as ID, password, social security number, address, job, etc. The hardware information including the number must first be registered in the holding system 3 through a predetermined registration procedure.

A purchaser who has completed the above-mentioned registration process, that is, a purchaser having a credit phone, stops at the affiliated store 5 which is affiliated with the financial and card company for the purpose of purchasing or purchasing goods. When other services are provided (101) and the payment is made for the act, the buyer activates the payment screen embedded in the credit phone to transfer the ID, password, merchant number, purchase history and payment information to the credit phone server. Transmit (102). The credit phone server 2 transmits a signal for requesting the purchaser authentication of the purchaser 1 having the credit phone to the holding system 3 together with the signal received from the credit phone (103). Received holding system (3) compares the information received from the buyer that is built into the DB in the system and the data of the purchaser (1) with a credit phone, if the information is matched with each other authenticates the buyer credit card server This is notified to (2) (104), and also transmits the payment details, merchant number and buyer authentication to the financial and card company server (4) (105). The financial and card company server 4 confirms the payment for the purchase of goods based on the signal received from the holding system 3, and notifies the holding system 3 of the balance of the web coin for the payment (106). . At the same time as the notification to the holding system (3), the financial and card company server (4) approves the payment for the purchase history using the credit phone, the card terminal of the merchant to issue a sales slip issue order for payment (5). (107). Payment confirmation and web coin balance information received from the financial and card company server (4) is transmitted to the credit phone of the purchaser (1) having a credit phone via the credit phone server (108, 109), Compare the payment details received on the screen of the credit phone with the sales slip output from the affiliated card terminal 5 to check the contents (110). Finally check (111). After the transaction is completed, the financial and card companies settle the purchase made by the purchaser (1) who has a credit phone for the month at the end of the month and send the bill for payment. For the reduction, the deposit 112 and deposit via the bank transfer to the web coin to enable the payment using the credit phone continuously.

As described above, the payment for the present invention can be authenticated by the holding system 3 only by the purchaser 1 who has a credit phone, so it is impossible to trade goods, etc. without the purchaser 1 certification. In addition, even if a purchase is made at a merchant using a credit phone in the same manner as the payment method using a conventional credit card, the sales slip output from the merchant's card terminal 5 can be checked immediately after the transaction. By not only increase the reliability of security and payment, but also do not need to carry a separate card, there is no risk of loss.

In addition, in FIG. 1, the purchaser 1 having the credit phone activates the payment screen of the terminal by omitting the credit phone server 2 through an additional function (mobile phone menu) added to the credit phone. The purchase information, ID and password may be directly transmitted to the holding system 3 to simplify and further configure and operate a payment system.

Figure 2 is a block diagram showing the type of signals transmitted and received between objects for payment in Figure 1, the data containing the buyer's ID, password, merchant number, purchase history and payment information is generated in the credit phone The encrypted GPID 201 signal and the hardware information are transmitted to the holding system 3 via the credit phone server 2, and even if the GPID 201 signal and the hardware information are leaked, it is impossible to decrypt and maintain security. It is a very good means for. The GPID 201 is a unique signal of a mobile phone and is an irregular signal containing contents of a mobile phone serial number and frequency, and the GPID 201 can communicate without interfering with each other by dividing frequencies of the same band. It has a function, and is continuously transmitted while using a mobile phone, the hardware information including the serial number of the terminal is stored in the credit phone to use the credit phone for the payment by the built-in communication chip When it is sent out only once, it is generated and transmitted together with the GPID 201 signal. The credit phone with the payment function transmits the buyer data to the credit phone server 2 together with the GPID 201 signal and the hardware information. The credit phone server 2 receives the buyer data as described above. And the purchaser authentication request signal together with the signal received from the credit phone to the holding system 3. The buyer's ID, password, merchant number, purchase history and payment information transmitted to the holding system 3 are transmitted to the finance and card company server 4 for payment. The holding system 3 and the finance and card Since the information is transmitted and received through the dedicated line 202 installed between the company server (4) can maintain the security. The financial and card company server 4 transmits the payment approval and the slip output to the card terminal 5 of the affiliated store, where the wired communication network 203 is used as the communication means. In the transmission and reception of the data as described above, the data transmitted from the credit phone is transferred directly to the financial and card company server 4 when the financial and card company server 4 is provided with the holding system 3. Payment can also be sent by sending hardware information including the signal and the serial number of the terminal.

Also, in the case of FIG. 1, when the credit phone server 2 is omitted, the encrypted GPID 201 signal and hardware information generated by the credit phone are directly transmitted to the holding system 3 to make a payment. .

Figure 3 shows another embodiment of the present invention, the other embodiment of the purchaser (1) carrying a credit phone; An affiliated store (5) that is in charge of goods transactions, food sales and payment confirmation, and has established a partnership with the financial and card companies; And a payment server 6 integrating the credit phone server 2, the holding system 3, and the financial / card company server 4, and the purchaser having the credit phone contacts the affiliated store 5. When you make a payment for the payment through a simpler process to enable a faster and safer payment.

The purchaser 1 possessing the credit phone stops at the affiliated store 5 that is affiliated with a company operating the payment server 6 for the same purpose as described above, and receives necessary goods or other services (301). ), When making a payment for the act, the buyer activates the payment screen of the credit phone, confirms the purchase history, and transmits the ID, password, merchant number, purchase history, and payment information to the payment server 6 ( 302,303). After passing through the internal processing of the payment server 6, the purchaser 1 is notified of the payment details for the purchase (304), and the command to issue the payment approval for the purchase and the sales slip for the payment is issued. The card is transmitted to the card terminal of the affiliated store 5 (305). Thereafter, the payment details received on the screen of the credit phone and the sales slips output from the card terminal 5 of the affiliate store are checked to confirm the contents and then signed to finally confirm the payment contents (306).

Here, the payment server 6 may be operated by a provider that provides a credit phone service, or financial and card companies may operate the payment server. Even in this case, between the credit phone and the payment server 6, the hardware information including the GPID 201 signal and the serial number of the terminal is transmitted and received along with the purchaser data, purchase history, merchant number and payment history.

In the present invention, the credit phone server 2 is a terminal according to the type of communication device such as a credit phone possessed by the purchaser 1, that is, cellular, PCS, TRS, IMT-2000, E-BOOK, PDA, etc. The communication server 2 may be omitted, and the purchaser 1 having such a configuration, i.e., cellular phone, PCS, IMT-2000, E-BOOK, PDA, etc .; A holding system 3 which is responsible for tasks such as buyer management, buyer security data, purchase history and payment history transmission; A finance and card company server (4) that is in charge of tasks such as payment of web coins, payment approval, and statement slips; In charge of commodity transactions, meals and payment confirmation, etc., the payment system is composed of the affiliated stores (5), etc., which have a partnership with the financial and card companies, and in the payment method using a credit phone as described above In addition, payment is possible through the same steps as the method of paying the price by omitting the credit phone server (2).

4 is a flowchart illustrating a payment by a terminal payment screen of a credit phone according to the present invention, and shows a step in which payment is actually made through the payment system according to the present invention. When the purchaser 1 possessing the credit phone visits an affiliated store to purchase goods and purchases, the purchaser 1 activates a screen of the credit phone to select a payment function 601. . If the payment function 601 is selected, a window for inputting the buyer's information, i.e., an ID and a password, is activated (602). If an input is made according to the order, the merchant number is entered as the payment for the purchase details (603). Window is activated. As a next step, when a window for inputting a payment amount 604 for a purchase history is activated, the buyer inputs the payment amount through a dial button, and selects 605 lump sum payment or installment payment as a payment method. In order to perform the payment, the user approves and requests for approval of payment by pressing the transmission button of the credit phone. At this time, if the user approval is made, the process proceeds to the next step, but otherwise the user approval is not made. The message that failed has been displayed on the screen of the terminal. Received the payment approval details and approval number from the holding system (3) on the screen of the credit phone for the user approval and payment approval (607) and checks against the slips output from the card terminal of the affiliated store (5) 110) and the payment is made through the step of signing (111).

According to the present invention, when the payment is made for the purchase of goods and the use of other services at the merchant using the credit phone, the buyer having the credit phone requests payment directly, thereby preventing the leakage of information of the buyer. In addition, it can solve the inconvenience of having a credit card with respect to the purchase, and provides a method of minimizing the economic damage due to the loss by making it impossible to pay other than the holder by the holding system and the credit phone. In addition, the information transmitted by the purchaser is transmitted to the credit phone server (or mobile communication device server) and the holding system together with hardware information including the encrypted GPID signal generated by the credit phone and the serial number of the terminal. Blocks secondarily, providing a safer and easier way to pay your credit.

Claims (9)

A purchaser 1 having a credit phone; A holding system 3 which is responsible for tasks such as buyer management, buyer security data, purchase history and payment history transmission; A finance and card company server (4) that is in charge of tasks such as payment of web coins, payment approval, and statement slips; A credit phone, which is responsible for commodity transactions, food sales and payment confirmation, and makes payments for goods purchases using a system consisting of affiliated stores (5) that have partnered with the financial and card companies. Payment system using. In the payment system using claim 1, A purchaser (1) carrying the credit phone visits a merchant for purchase of goods and for sale, and purchases a product; The purchaser 1 having a credit phone for the purchase selects an additional function added to the terminal screen and transmits the purchase history, ID, password, merchant number and payment information to the holding system 3; Holding system (3) transmits the purchaser authentication to the purchaser (1) and the financial and card company server (4) having a credit phone, the payment history and merchant number for the purchase of the goods of the buyer and the financial and card company server ( 4) sending; The financial and card company server 4 transmitting the payment confirmation and web coin balance information to the holding system 3 with respect to the received payment details; The financial and card company server 4 transmits a payment approval and slip output signal to the card terminal 5 of the merchant for payment details; The holding system 3 transmits the payment confirmation and the web coin balance information received from the financial and card company server 4 to the credit phone possessed by the purchaser 1; A purchaser (1) carrying the credit phone confirms the payment information received on the screen of the terminal and the payment approval details received at the card terminal 5 of the merchant; After the confirmation step, the purchaser 1 confirms the payment by signing the slip output from the card terminal 5 of the affiliated store; After the end of the payment, the buyer (1) payment method through a credit phone comprising the step of depositing the payment amount on the payment bills to the financial and card companies on the financial and card settlement date at the end of the month. The method of claim 1, Receive payment information and information of the buyer 1 from the credit phone of the buyer 1 between the purchaser 1 holding the credit phone and the holding system 3, and transmit the same to the holding system 3; A payment system using a credit phone, characterized in that the payment for the purchase of goods using a system made by adding a credit phone server (or mobile communication device server) (2) in charge of the relay. In the payment system using claim 3, A purchaser (1) carrying the credit phone visits a merchant for purchase of goods and for sale, and purchases a product; The purchaser 1 possessing a credit phone for the purchase selects an additional function added to the terminal screen and transmits the purchase history, ID, password, merchant number and payment information to the credit phone server 2; The credit phone server (2) receiving the above information transmits a purchaser authentication request signal together with the information to the holding system (3); The holding system (3) transmits the purchaser authentication to the credit phone server (2) and the financial and card company server (4), and the payment details and merchant number for the purchase of the buyer's goods to the financial and card company server (4). Transmitting; The financial and card company server 4 transmitting the payment confirmation and web coin balance information to the holding system 3 with respect to the received payment details; The financial and card company server 4 transmits a payment approval and slip output signal to the card terminal 5 of the merchant for payment details; The holding system 3 transmits the payment confirmation and web coin balance information received from the financial and card company server 4 to the credit phone server 2; The credit phone server 2 transmitting the received payment confirmation and web coin balance information to the credit phone possessed by the purchaser 1; A purchaser (1) carrying the credit phone confirms the payment information received on the screen of the terminal and the payment approval details received at the card terminal 5 of the merchant; After the confirmation step, the purchaser 1 confirms the payment by signing the slip output from the card terminal 5 of the affiliated store; After the end of the payment, the buyer (1) payment method through a credit phone comprising the step of depositing the payment amount on the payment bills to the financial and card companies on the financial and card settlement date at the end of the month. A purchaser 1 having a mobile phone such as cellular, PCS, TRS, IMT-2000, E-BOOK, PDA, etc .; A holding system 3 which is responsible for tasks such as buyer management, buyer security data, purchase history and payment history transmission; A finance and card company server (4) that is in charge of tasks such as payment of web coins, payment approval, and statement slips; Responsible for the transaction of goods, the sale of food and payment confirmation, and using the system consisting of affiliated stores (5), etc., which have a partnership with the financial and card companies to pay for the purchase of goods using a mobile phone, characterized in that Payment system. In the payment system using claim 5, A purchaser (1) carrying the mobile phone visiting the affiliated store for the purpose of purchase of goods and for sale; A purchaser 1 having a mobile phone for the purchase selects an additional function added to the terminal screen and sends the purchase details, ID, password, merchant number and payment information to the holding system 3; The holding system 3 transmits the payment details and the merchant number for the purchaser authentication and the purchase of the goods to the financial and card company server 4; The financial and card company server 4 transmitting the payment confirmation and web coin balance information to the holding system 3 with respect to the received payment details; The financial and card company server 4 transmits a payment approval and slip output signal to the card terminal 5 of the merchant for payment details; The holding system 3 transmits the payment confirmation and the web coin balance information received from the financial and card company server 4 to the mobile phone possessed by the buyer 1; A purchaser having the mobile phone (1) checking the payment information received on the screen of the terminal and the payment approval details received at the card terminal (5) of the affiliated store; After the confirmation step, the purchaser 1 confirms the payment by signing the slip output from the card terminal 5 of the affiliated store; After the payment is completed, the purchaser (1) comprises the step of depositing the payment amount on the payment bills to the financial and card companies on the financial and card settlement date at the end of the month. A purchaser 1 having a credit phone; A payment server 6 formed by integrating a credit phone server, a holding system, and a financial / card company server; And crediting the purchase of goods by using a system consisting of affiliated stores (5), etc., which are in charge of goods transactions, food sales and payment confirmation, etc., which have affiliation with the financial and card companies. Payment system using a phone. In the payment system using claim 7, A purchaser (1) carrying the credit phone visits a merchant for purchase of goods and for sale, and purchases a product; The purchaser 1 possessing a credit phone for the purchase selects an additional function added to the terminal screen and sends the purchase history, ID, password, merchant number and payment information to the payment server 6; The payment server 6 receiving the above information notifies the buyer of the payment details, and transmits a payment approval and payment slip output signal for the payment to the card terminal 5 of the affiliated store; The purchaser 1 possessing the credit phone checks the payment information received on the screen of the terminal and the payment approval details received at the card terminal 5 of the merchant, and then signs the printed slip and confirms the payment. Payment method through a credit phone, characterized in that it comprises. The method according to any one of claims 1 to 8, The credit phone or mobile phone has a built-in communication chip that can store and update the hardware information, including the serial number of the terminal, The payment method through the credit phone, characterized in that the payment is made by transmitting the hardware information including the encrypted GPID signal and serial number generated in the credit phone or mobile phone.