KR20030081870A - Electronic Payment System and Method for Off-Line Merchant Using Mobile Terminal. - Google Patents

Abstract

The present invention relates to an offline store payment system using a wireless terminal, and more particularly, in the offline payment system, the user can provide various payment means (credit card, electronic money, mobile phone integration fee) by providing a payment screen of a general offline store to the wireless Internet. The present invention relates to a method and system for enabling payment in an offline store conveniently using a wireless terminal.

The system of the present invention, the offline store payment system controlled using a wireless communication network, each connected to the Internet, payment broker server for various offline store payment; A short message receiving device displaying a payment related message received from the payment broker server; And a wireless terminal connectable to the payment broker server connected to the Internet through the wireless communication network, and transmitting a payment signal for payment in the offline store to the payment broker server through the wireless communication network and the Internet. It features.

Therefore, the present invention has an offline store payment that allows anyone to pay using a variety of payment means (credit card, electronic money, mobile phone integrated charges) in the offline store as well as online using a wireless terminal that can be carried at all times. It is an object to provide a system and a method thereof.

Description

Offline payment system and method using wireless terminal. {Electronic Payment System and Method for Off-Line Merchant Using Mobile Terminal.}

The present invention relates to an offline store payment system using a wireless terminal, and more particularly, in the offline payment system, the user can provide various payment means (credit card, electronic money, mobile phone integration fee) by providing a payment screen of a general offline store to the wireless Internet. The present invention relates to a method and system for enabling payment in an offline store conveniently using a wireless terminal.

Recently, wireless terminals such as cellular phones, PCS phones, and personal digital assistants (PDAs) have been actively used to use the wireless Internet by embedding a wireless internet browser in the wireless terminal. In addition, it is designed to enable applications in existing browsers, so users of wireless terminals can use the wireless terminal to make calls or access the Internet to obtain various information, such as games or events provided by wireless communication service companies or other Internet service companies. Various contents can be serviced.

Currently, in the case of offline stores, more than adequate stores are equipped with a credit card checker, so users can pay using a credit card, but the penetration rate of the credit card checker is still low.

On the other hand, in the case of the credit card inquiry machine can only use the credit card as a payment means there is a problem that does not meet the needs of users various payment means (credit card, electronic money, mobile phone integration fee).

In addition, if you want to pay by credit card is a small amount is difficult to use due to the fee problem in most cases.

Therefore, the present invention has an offline store payment that allows anyone to pay with a variety of payment means (credit card, electronic money, mobile phone integrated charges) in the offline store as well as online using a wireless terminal that can be carried at all times. It is an object to provide a system and a method thereof.

1 is a block diagram of an offline store payment system according to a first embodiment of the present invention;

2 is a diagram illustrating a format of a payment signal transmitted from a wireless terminal shown in FIG. 1;

3 is a detailed block diagram of a wireless terminal of the present invention;

4 is a detailed block diagram of a short receiving device of the present invention;

5 is a detailed block diagram of an offline store payment system of the present invention;

6 is a detailed block diagram of a management server of the present invention;

7 is a flowchart illustrating a process of making a payment to an offline store using a wireless terminal according to the present invention;

8 is a flowchart illustrating a process of processing a payment according to a control command sent from a wireless terminal in a store payment server according to the present invention;

9A, 9B, and 9C are diagrams illustrating screens provided to a wireless terminal in relation to FIG. 7.

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

100: offline shop payment system 110: wireless terminal

120: short message receiving device 130: payment broker server

140: management server 150: wireless communication network

160: the Internet

According to the present invention for achieving the above object, the offline store payment system controlled using a wireless communication network, each connected to the Internet, payment broker server for various offline store payment; A short message receiving device displaying a payment related message received from the payment broker server; And a wireless terminal connectable to the payment broker server connected to the Internet through the wireless communication network, and transmitting a payment signal for payment in the offline store to the payment broker server through the wireless communication network and the Internet. It features.

According to another embodiment of the present invention, a payment broker server for offline store payment, a short message receiving device displaying a payment related message received from the payment broker server, a payment through the wireless communication network to the wireless terminal and the short text receiving device In an offline store payment system having a wireless terminal for providing a result to a payment broker server through a wireless communication network and the Internet, the payment processing method using the wireless terminal includes (a) accessing the payment broker server from the wireless terminal. (B) in the wireless terminal, inputting payment information through a screen provided by the offline store payment server; (c) transmitting payment information from the wireless terminal to the payment broker server; (d) performing payment processing at the payment broker server; And (e) transmitting the payment processing result from the payment broker server to the wireless terminal and the short message receiving device.

Hereinafter, with reference to the accompanying drawings a preferred embodiment of the present invention will be described in detail as follows.

1 illustrates an embodiment of an offline store payment system according to the present invention, respectively.

1 illustrates a configuration of an offline store payment system 100 using a wireless terminal as a payment means of an offline store according to an embodiment of the present invention.

The offline store payment system 100 of the present invention includes a payment broker server 110, a short message receiving device 120, a wireless terminal 130.

The payment broker server 110 is connected to the Internet 160 and is a computer for processing payment information transmitted from the user's wireless terminal 130. The payment broker server 110 stores the registered store information, and if the store is registered by searching whether the store is registered in the transmitted payment information, the payment is made possible in the wireless terminal 110. In addition, after the payment is processed, the payment information is transmitted to the wireless terminal 110 through the wireless communication network 150 provided by the Internet 160 and a mobile communication service provider, and the payment information sent to the short message receiving device 120 is The transmission is transmitted through the wireless communication network 150 or the telephone exchange network 170 via the Internet 160.

The short message receiving device 120 is a device that receives and displays the payment result processed by the payment broker server 110 and is provided in each store. The payment information receiving from the payment broker server 110 is performed by the wireless communication network 150 or the like. It may be through the telephone exchange network 170.

Each wireless terminal 130 has a built-in wireless Internet browser that can search and display information on the Internet 160 wirelessly, and can download a mobile electronic wallet through the wireless Internet. In addition, the wireless terminal 130 may perform payment by inputting information necessary for payment using the affiliated store number of the registered store. In other words, when the wireless terminal 110 outputs payment information wirelessly, the information is transmitted to the payment broker server 130 via the wireless communication network 150 and the Internet 160 provided by the mobile communication service company. The payment broker server processes the payment information and transmits the payment result value to the short message receiving device and the wireless terminal.

In the present invention, the term "mobile electronic wallet" refers to an application for a wireless terminal, and there exist a platform of a VM (Virtual Machine) method and a platform of a binary download method. The mobile electronic wallet can be operated on the two platforms and corresponds to one means for payment of the offline store payment system. In addition, a mobile browser or a mobile electronic wallet may be used for payment of the offline store payment system.

Referring now to FIG. 3, a detailed block diagram of the payment broker server 110 is shown.

The payment broker server 110 is an application communication processing unit 310, receiving code conversion unit 320, financial institution interworking unit 330, payment processing unit 340, short message sending unit 350, web server 360, payment An information database 370, a store information database 380, and a mobile wallet database 390 are provided.

The application communication processor 310 performs a function of transmitting and receiving data with the wireless terminal 130. At this time, the communication between the payment broker server 110 and the wireless terminal 130 is made by a socket (Socket) method well known in the art. That is, the payment broker server 110 forms a server socket for communication with each wireless terminal 130 connected through the Internet 160, and performs communication with the corresponding wireless terminal 130 through the socket. .

The reception code change unit 320 decrypts or converts a key code included in payment information received from the wireless terminal 130 into a key code recognizable by the financial institution interworking unit 330. However, if the code received from the wireless terminal 130 is not encoded, the key code is provided to the financial institution interworking unit 330 as it is.

The financial institution interworking unit 330 processes payment information through a financial network. For example, when a payment processing request comes from a credit card, the information is requested through a financial network (not shown), and the approval result information is received through the financial network and provided to the payment processing unit 340.

The payment processing unit 340 stores the payment information provided from the financial institution interworking unit 330 in the payment information database 370 and provides the payment information to the short message sending unit 350. The payment information database 370 stores all information related to payment processing.

The short message sending unit 350 sends the payment information received from the payment processing unit 340 to the wireless terminal 130 and the short message receiving device 120 through the Internet 160, the wireless communication network 150, and the telephone exchange network 170. do.

The web server 360 manages the store information database 380 and the mobile wallet database 390.

Store information database 380 stores the information about the offline stores available for payment, store information stored in the store information database 380 provides the necessary information according to the payment request of the wireless terminal under the control of the web server 360 Give it.

The mobile electronic wallet database 390 is equipped with a mobile electronic wallet mounted on the wireless terminal 130, the mobile electronic wallet program stored in the mobile electronic wallet database 390 is a web request in accordance with the download request from the wireless terminal 130 The mobile electronic wallet downloaded to the wireless terminal 130 under the control of the server 360 may be downloaded from the payment broker server 110 or may be downloaded directly from the mobile communication service provider.

Referring to FIG. 4, a detailed block diagram of the short receiving device 120 is shown.

The short message receiving device 120 includes a display unit 410, a short message receiving unit 420, and a storage unit 430 for receiving payment result information from the payment broker server 110 through the wireless communication network 150 or the telephone exchange network 170. ).

The short message receiver 420 receives the payment result from the payment broker server 110 after the payment is completed. The received information is shown to the user through the display unit 410, and stored in the short receiving device through the storage unit 430.

Referring to FIG. 5, a detailed block diagram of the wireless terminal 130 is shown.

The wireless terminal 130 is connected to the payment broker server 110 through the call processing unit 510 for the voice call and the wireless Internet communication through the wireless communication network 150, the wireless communication network 150, and the Internet 160. A wireless Internet browser 520 for downloading a wallet program, a key pad unit 530 for operating a wireless terminal, a display unit 540 for displaying information transmitted from the payment broker server 110, and a mobile electronic wallet program. And a mobile electronic wallet 550 for processing payment requests and a wireless terminal controller 560 for controlling the wireless terminal 130 as a whole.

The mobile electronic wallet unit 550 is a software function module that can be mounted in a memory (not shown) at the time of manufacture of the wireless terminal 130 or downloaded from the payment broker server 110 and mounted in a memory. 562, a payment server interworking unit 564, and a protocol generating unit 566.

The keypad interlocking unit 562 receives the key code corresponding to the key pressed by the keypad unit 530 of the wireless terminal 130 and transmits the key code to the protocol generating unit 566.

The protocol generating unit 566 generates a protocol by combining the user ID, the store ID, and the payment information input from the keypad interlocking unit as shown in FIG. 2.

The payment server interworking unit 564 transmits the payment information generated by the protocol generating unit 566 to the payment broker server 110 via the wireless communication network 150, the telephone exchange network 170, and the Internet 160. .

Hereinafter, preferred embodiments of the present invention having the above-described configuration will be described as follows with reference to FIGS. 6, 7, and 8.

6 is a flowchart illustrating a process in which a user of each wireless terminal 130 accesses a payment broker server 110 to make a payment.

First, when a user of each wireless terminal 130 wants to download a mobile electronic wallet program by accessing the payment broker server 110, the wireless terminal controller 550 of the wireless terminal 130 is located in the wireless terminal 130. It is checked whether a wireless electronic wallet program exists (step S610).

At this time, if the wireless electronic wallet program does not exist in the wireless terminal 130, the wireless terminal controller 550 accesses the payment broker server 110 using the wireless internet browser 520 to download the wireless electronic wallet program. (Step S620).

Next, when the user selects an icon (not shown) of the mobile electronic wallet program displayed on the display unit 540 of the wireless terminal 130 and clicks it, the wireless electronic wallet 560 is driven to display an electronic money number, Payment means such as a credit card number and a bank account number are registered (step S630).

After registering the payment means, when the user drives the screen for payment of the offline store, the screen as illustrated in FIG. 8A is provided to the display unit 540 of the wireless terminal 130 (step S640).

When the mobile electronic wallet 130 is driven after registering the payment means, the mobile electronic wallet 130 automatically accesses the payment broker server 110 (step S650).

On the screen of FIG. 8A, which accesses the payment broker server 110 using the mobile electronic wallet 560 of the wireless terminal 110, input the number of the offline store together with the instruction "Please enter the number of the store you want to access." A space is provided. When the server to be accessed enters the offline store number (step S660), the screen of FIG. 8B for inputting an amount of money is provided.

The user inputs the amount of money through the space for inputting the amount of money as shown in FIG. 8C and selects the registered payment means (electronic money, credit card, bank account number, etc.) to complete the payment information input process (step S670).

When the user inputs the payment information, the user transmits the payment information to the payment broker server 110 to complete the basic payment process (step S680).

Thereafter, when the final payment processing message is received from the payment broker server 110, the payment process is completed.

7 is a flowchart illustrating a process of performing payment processing according to payment information transmitted from the wireless terminal 130 in the payment broker server 110.

In the state where the connection with the wireless terminal 130 is made through the process described with reference to FIG. 6 (step S710), the application communication processing unit 310 of the payment broker server 110 receives the payment information transmitted from the wireless terminal 130. (Step S720), the received payment information is performed through the reception code conversion unit 320, payment processing unit 340, financial institution interworking unit 330 (step S730).

Thereafter, in step S740, the payment broker server 110 transmits the payment processing result information to the user's wireless terminal 130 and the short message receiving device 120 of the offline store.

It will be appreciated by those skilled in the art that the present invention is not limited to the above embodiments, and various modifications and changes can be made without departing from the technical scope of the present invention.

As described above, payment can be made in a small shop using a wireless terminal using the offline store payment system of the present invention. This will allow credit card payments in small shops, which are currently difficult to become credit card merchants, and also enable transactions through not only credit cards but also electronic money and bank transfers through mobile electronic wallets.

Claims (8)

An offline store payment system capable of making payments using a wireless terminal, comprising: a payment broker server connected to the Internet, for payment of various offline stores; A short message receiving device displaying a payment related message received from the payment broker server; A wireless terminal capable of accessing the payment broker server connected to the internet via the wireless communication network and transmitting payment information for payment in the offline store to the payment broker server via the wireless communication network and the internet. Offline shop payment system comprising a The method of claim 1, The payment broker server, Application communication processing unit for transmitting and receiving data with the wireless terminal, receiving code conversion unit for recombining the received code, financial institution interworking unit for transmitting and receiving payment information with financial institutions, payment processing unit for storing and processing the completed payment information, completed A store that has a short message sending unit for sending payment information to a wireless terminal and a short message receiving device, a web server for communication processing with the wireless terminal, a payment information database for storing payment information, and a store information that can be paid by an offline store. Information database), the mobile wallet database in which the mobile wallet program is stored for downloading the mobile wallet. Offline shop payment system comprising a. The method of claim 1, wherein the wireless terminal A call processor for voice call and wireless internet communication through a wireless communication network; A wireless Internet browser for downloading a mobile wallet program by accessing a payment broker server through a wireless communication network and the Internet; A keypad unit for operating a wireless terminal; A display unit displaying information transmitted from the payment broker server; A mobile electronic wallet unit implemented as a mobile electronic wallet program to process a payment request; A wireless terminal controller for controlling the wireless terminal as a whole; Offline shop payment system comprising a The mobile electronic wallet of claim 3, wherein A keypad interlocking unit for accepting a key code corresponding to the pressed key of the wireless terminal; A protocol generation unit for generating a protocol by combining a user ID, a store ID, and payment information input from the keypad interlocking unit; Payment server interworking unit for transmitting the payment information generated by the protocol generation unit to the payment broker server via the wireless communication network, telephone exchange network and the Internet Offline shop payment system comprising a The method of claim 1, Short message receiver, And a display unit for receiving payment result information from a payment broker server, a short message receiver 420, and a storage unit 430. A short receiver configured to receive a payment result from the payment broker server after the payment is completed; A display unit for showing the received information to the user; A storage unit for storing the received information in the short receiving device; Offline shop payment system comprising: The offline store payment system according to claim 5, wherein the payment information between the payment broker server and the short message receiving device is via the Internet and a wireless communication network. The offline store payment system according to claim 5, wherein the payment information between the payment broker server and the short message receiving device is the Internet and a telephone exchange network. A payment broker server for processing payment information of an offline store, a short receiving device for receiving payment result information sent by the payment broker server, and a wireless terminal for transmitting payment information to the payment broker server through a wireless communication network and the Internet. In the payment method of the offline store using, (a) at the wireless terminal, connecting to the payment broker server; (b) transmitting, at the wireless terminal, payment information to the payment broker server; (c) at the payment broker server, processing the payment using the payment information sent by the wireless terminal; (d) sending, by the payment broker server, a payment processing result to a wireless terminal and a short message receiving device; (e) displaying the payment processing result information received from the payment broker server in the wireless terminal and the short message receiving device; Control method of an offline store payment system comprising a.