KR20050009772A - Authentication and Payment Method using Cellular Phone Having Smart Card or Smart Chip in it - Google Patents

Abstract

The present invention is a mobile electronic payment method for the authentication of the buyer's personal information provided to the seller for a small amount of the existing social security number authentication method and a large amount of personal credit card number and password is not a method of entering A mobile device with a smart card or smart chip that uses smart card or smart chip built in mobile phone to authenticate and access credit card information, thereby avoiding theft of personal information and personal information and making payment securely and easily. It relates to an authentication method and a payment method using. The payment method according to the present invention is largely (a) Web to Phone mobile phone micropayment with the authentication of the content provider, (b) Web to Phone mobile phone micropayment without the authentication of the content provider Payment, (c) web to phone high payment using credit card, (d) web to phone account transfer using financial card chip, (e) phone to phone value transfer method and (f) offline (merchant) to It includes six payment methods of phone credit payment method.

Description

Authentication and Payment Method using Cellular Phone Having Smart Card or Smart Chip in it}

The present invention relates to a user authentication and payment method using a mobile communication terminal, and more particularly, a personal mobile communication terminal (hereinafter referred to as a "communication terminal") with a smart chip embedded in a commerce performed online or offline. In the case of performing a financial transaction using a smart card or a smart chip mounted on a mobile communication terminal, the payment method for the purchase price of goods purchased using the authentication and payment means.

Recently, three mobile carriers have competitively provided mobile banking services, and now mobile phones have sockets for inserting plug-in cards, and some mobile banking subscribers have been issued mobile banking chips issued by financial institutions. It forms a critical mass.

In addition, mobile carriers are currently promoting WCDMA services, and phone manufacturers are also developing WCDMA phones in response to the WCDMA service era. Accordingly, under the WCDMA method, a mobile subscriber can use a personal mobile phone number as a plug-in type of Subscriber Identify Module (SIM), User Identify Module (UIM), and User Subscriber Identify Module (USIM). A smart chip such as a module will be issued. Subscribers can receive WCDMA mobile communication services using their unique personal identification number (PIN number).

As is well known, on the basis of these markets and trends, by using a smart card or smart chip mounted on a mobile phone to perform user authentication and transactions, it is possible to prevent theft of people in small amounts, and to make large payments using financial IC chips issued by financial institutions. In this case, there is an advantage that a safe payment can be performed while avoiding exposure of personal credit information such as directly entering a credit card number or a social security number.

In the related art, a payment method for performing a micropayment function by using an authentication number exchange method through a short message having a simple payment procedure using a mobile communication terminal that is easy to carry and is generally used. Social security number is used as the identity verification method, which shows a lot of cases of identity theft, and the transaction limit is low, so it is difficult to apply to various fields. In the case of large payments, there is a risk of exposing personal credit information such as entering a credit card number directly.

1 is a diagram schematically illustrating a configuration of a micro payment service using a conventional SMS method.

Referring to Figure 1, a brief description of a small payment service using a conventional SMS method, the buyer 100 purchases goods or content from the online seller 200 to request the seller 200 to make a payment and mobile phone payment If is selected, a payment window established by the electronic payment relay provider (300, PG, Payment Gateway, hereinafter PG) is displayed and the buyer 100 enters predetermined payment information such as a mobile phone number and social security number. The PG 300 determines the approval by interworking with the mobile communication service provider 400 and generates an approval number when the approval requirement is satisfied and transmits the approval number to the mobile communication terminal of the purchaser 100 through a short message. When the purchaser 100 inputs the approval number received in the short message into the payment window, the PG 300 compares the database approval number with the retransmission approval number and finally approves the product payment.

2 is a diagram schematically illustrating a configuration of a micro payment service using a conventional ARS scheme.

Referring to Figure 2, briefly described for a small payment service using a conventional ARS method, the buyer 100 purchases goods or content from the seller 200 to request the seller 200 to make a payment and ARS payment If selected, a payment window constructed by the PG 300 appears and the purchaser 100 inputs predetermined information. The PG 300 determines the user authentication by interworking with the mobile communication service provider 400 subscribed to the purchaser 100, generates an authorization number when the approval requirement is met, and the purchaser 100 operates the ARS operated by the PG 300. When calling the system, the authentication number is transmitted through a predetermined authentication number guide system. When the purchaser 100 enters the terminal 500 according to the guidance of the PG 300 or inputs an authentication number provided from the ARS phone into the information window displayed on the monitor, the PG 300 is connected to the mobile carrier 400. At the same time requesting the payment approval, the seller 200 transmits the processing result. As such, when the identity of the buyer 100 is confirmed, the seller 200 provides a service such as a product or content to the buyer 100.

As described above, the payment method is a micro payment service of a predetermined amount or less, and the amount to be paid by the purchaser 100 to the seller 200 together with the billing of the mobile communication fee or the communication fee by the mobile carrier 400 or the service provider. Billed monthly.

On the other hand, in the payment method described above, in order for the purchaser 100 to purchase goods or contents from the seller 200, the purchaser 100 must enter personal information such as a social security number and a name together with a mobile communication number or a telephone number. The PG 300 performs the payment procedure through interworking with the mobile communication company 400 as described above based on the personal information or the phone number of the purchaser 100 provided as described above.

However, the payment method using the conventional communication terminal as described above can not accurately identify whether the buyer using the service is the person with the personal information provided to the seller or the online PG, the name may be stolen, There was a problem that personal information could be leaked if entered.

Accordingly, the object of the present invention is to accurately identify whether the personal information provided to the seller is his identity, to eliminate the fear of identity theft, and to provide high security in order to delete the personal identification information and the card number information in the payment process online. The present invention provides a method of authenticating a user and a payment method using a mobile communication terminal having a guaranteed smart chip.

1 is a view schematically showing the configuration of a micro payment service using a conventional SMS method.

2 is a diagram schematically showing the configuration of a micropayment service using a conventional ARS method.

3 is a schematic diagram of a system for performing a payment method when there is no authentication procedure of a seller using a mobile communication terminal with a smart chip according to the present invention;

4 is a flow chart illustrating a payment method by the payment system shown in FIG. 3 using a mobile communication terminal having a smart chip according to the present invention.

5 is a flowchart illustrating a payment method when there is an authentication procedure of a seller using a mobile communication terminal having a smart chip according to the present invention.

6 is a schematic diagram of a system for performing a payment method using a mobile communication terminal having a smart chip with credit card information according to the present invention;

7 is a flowchart illustrating a large amount payment method by the large amount payment system shown in FIG. 6 using a mobile communication terminal having a smart chip embedded therein.

8 is a schematic diagram of a system for performing a payment method through an account transfer using a mobile communication terminal having a smart chip having general financial account information according to the present invention;

9 is a flowchart illustrating a payment method through account transfer by the payment system through account transfer shown in FIG. 8 using a mobile communication terminal having a smart chip embedded therein.

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

10: Buyer 20: Seller

30: Electronic Payment Center 40: Mobile Operator

50: mobile communication terminal 60: smart chip

70: VAN Operator 80: Bank Shared Network

As described above, the purchaser in the authentication method and payment method without the authentication process of the seller through the verification of the identification number check by using the smart chip stored subscriber identification information and financial account information mounted on the mobile communication terminal, Purchasing goods or contents online and selecting an authentication payment using a mobile smart chip (hereinafter, referred to as a mobile smart payment) as a payment method; When the purchaser enters the mobile terminal number in the payment window on the web, the seller sends the inputted mobile terminal number to the electronic payment center and requests the payment approval from the electronic payment center; The electronic payment center requesting payment approval through a wireless network of a mobile carrier to which the purchaser subscribes; The mobile carrier confirming the purchase intention of the buyer and requesting a PIN number; A purchaser inputting a PIN number for accessing the smart card or the smart chip of the mobile communication terminal; Determining whether the mobile communication company is the same as the subscriber of the smart chip and the subscriber of the mobile terminal number by accessing the smart chip; The electronic payment relay station may approve the transaction after confirming the approval result and transmit the approval result to the seller, and the seller notifies the completion of the payment. Can be.

In addition, the object as described above, in the authentication method and the payment method with the authentication procedure of the seller through the verification of the identification number check using the smart chip stored in the subscriber identification information and the financial account information mounted on the mobile communication terminal, A buyer purchasing goods or content online and selecting mobile smart payment as a payment method; When the buyer inputs the mobile communication terminal telephone number, the seller sends the inputted mobile communication terminal number to the electronic payment center and requests the payment approval from the electronic payment relay station; Determining, by the mobile operator, whether the identity between the purchaser and the subscriber of the mobile phone terminal number and the smart chip subscriber installed in the terminal match; The electronic payment center, which confirms the result of authentication by the mobile operator, sends the approval number to the smart card or smart chip of the mobile terminal in which the purchaser has a payment approval number through the wireless network of the mobile carrier to which the purchaser subscribes. Transmitting; When the buyer checks the authorization number displayed on the mobile phone screen by entering a PIN number for accessing the smart card or smart chip of the mobile communication terminal and enters the authorization number into the payment window, the seller requests the electronic payment center to approve the transaction. Steps; The electronic payment center approves the transaction after checking the approval number, and the seller may be achieved by the payment method using the mobile communication terminal with the smart chip, characterized in that it comprises the step of notifying the completion of the payment.

Alternatively, an object of the present invention as described above, the authentication method and payment for the purchase of goods and content online or offline using a smart chip stored in the subscriber identification information and financial account information mounted on the mobile communication terminal A method comprising the steps of: a buyer purchasing goods or content online or offline and selecting mobile smart payment as a payment method; When the seller transmits the mobile phone terminal number of the buyer to the electronic payment center, the electronic payment relay station transmitting the information to the mobile communication service provider to which the buyer subscribes and requesting smart chip information; Requesting the purchaser to enter a PIN number to access the information of the smart chip embedded in the buyer's mobile terminal through an encrypted process; Allowing the purchaser to access the smart chip by entering a PIN number and transmitting the smart chip information in encrypted form to the mobile carrier through the password input; The mobile operator transmits the credit card selected by the buyer and whether the user is an electronic payment relay station, and the electronic payment relay station transmits the credit card number of the buyer to the VAN operator to verify the credit and request transaction approval; The VAN operator confirms the buyer's credit and instructs to stop the transaction in case of bad credit, and approves the transaction when there is no abnormality in the credit; When the transaction is approved from the VAN operator, the electronic payment center approves the payment details to the seller, and the seller notifies the buyer of the payment completion. Can be achieved by

Alternatively, the purpose as described above, in the authentication method and the payment method for the purchase of goods and content online or offline using a smart chip stored in the subscriber identification information and financial account information mounted on the mobile communication terminal A purchaser purchases goods or content online and selects mobile smart payment as a payment method; If the purchaser enters the mobile terminal number, the seller sends the entered mobile terminal number to the electronic payment center and requests the payment approval from the electronic payment center; The electronic payment center transmitting the buyer's mobile terminal number to the mobile carrier to confirm the buyer's bank account number and identity; The mobile terminal company transmits a payment confirmation in the form of an encrypted payment module to the purchaser together with a request for input of a PIN number embedded in the smart chip of the mobile communication terminal; A purchaser selects a bank account together with a PIN of the mobile communication terminal, inputs a password of the bank account, and transmits the encrypted account to the mobile communication company; The carrier sends the buyer's bank account number and his identity to the electronic payment center, and the electronic payment center sends the buyer's bank account number to the bank's common network to check the buyer's bank balance. Requesting transaction approval; Checking the bank balance of the buyer to instruct the transaction to stop if there is no bank balance, and approving the transaction when there is a bank balance above the transaction price; When the transaction is approved from the bank common network, the electronic payment center sends the transaction to the seller, and the seller notifies the buyer of the completion of the payment, and the payment method using the mobile terminal having the smart chip embedded therein. Can be achieved by

Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings.

3 is a schematic diagram of a system for performing a payment method only by confirming a PIN without a seller's authentication procedure using a mobile communication terminal having a smart chip embedded therein according to the present invention, and FIG. 4 is a mobile communication with a smart chip embedded therein. 3 is a flowchart illustrating a payment method by the payment system shown in FIG. 3 using a terminal.

First, the smart chip 60 embedded in the mobile communication terminal 50 used in this system is in accordance with the present invention in accordance with the present invention, such as the user's personal information, such as banks, securities companies and card companies owned by the user, such as banking and bank account numbers It includes information, and includes a SIM, UIM, USIM card issued from the mobile carrier 40 when subscribing to the WCDMA mobile communication service. The purchaser 10 is required to enter a unique PIN number to access the smart chip. The PIN number entered by the buyer 10 is a unique number known only to the buyer 10 himself / herself.

Referring to FIG. 4, a method of purchasing and paying for goods or content online using the mobile communication terminal 10 having the smart chip embedded therein will be described. When the purchaser 10 who owns the communication terminal 50 purchases (S10), the seller 20 sends a payment form to the buyer 10, for example, a mobile communication terminal in which the smart chip 10 according to the present invention is embedded. A payment form such as payment through 60 (mobile smart payment), credit card payment or ARS payment is required (S11).

When the purchaser 10 selects the mobile smart payment, a payment terminal number input window appears to input the number of the mobile communication terminal 60 of the purchaser 10 (S12), and selects credit card payment or ARS payment. In this case, a conventional credit card payment or ARS payment process is performed (S13). When the buyer 10 selects the mobile smart payment, and the buyer 10 inputs the number of the mobile communication terminal 60 in the mobile communication terminal number input window of the payment window, the seller 20 sends the mobile communication to the buyer 10. Request mounting of the smart chip 60 to the terminal 50 (S14),

Meanwhile, the seller 20 requests the purchaser 10 to mount the smart chip 60 on the mobile communication terminal 50 and sends the purchaser 10's mobile communication terminal number to the PG 30 to approve payment. Request (S15). The PG 30 receiving the payment approval request from the seller 20 transmits the mobile communication terminal number of the buyer 10 to the mobile communication company 40 so as to receive a transaction approval for the buyer 10 (S16).

The mobile telecommunication company 40 receiving the transaction approval request from the PG 30 transmits an encrypted payment module to the smart chip 60 embedded in the terminal 50 of the purchaser 10. At this time, the mobile communication terminal 60 of the buyer 10, along with the content that the smart payment has been applied for a message to confirm the payment to the buyer 10 appears (S17). When the buyer 10 pays the price, the terminal 50 of the buyer 10 is prompted to enter a PIN number to enable access to the smart chip 60. When the purchaser 10 inputs a PIN number to the mobile communication terminal 50 according to this instruction, this information is transmitted to the mobile communication company 40 (S18). The mobile carrier 40 determines that the buyer 10 is the same person between the owner of the smart chip and the subscriber of the mobile terminal number through the PIN number input procedure of the buyer 10, so that the buyer 10 who purchased the product or the content is the mobile terminal. Confirm that the owner (50) is owned, and if authentication is possible, the transaction approval information is transmitted. (S19)

As described above, the purchaser 10 enters a PIN number at the mobile communication terminal 50 and is determined to match the smart chip owner and the subscriber number of the mobile terminal, so that the mobile carrier 40 makes a transaction with the PG 30. (S20) The PG 30 approves the payment details to the seller 20, and the seller 20 completes the payment for the buyer 10 based on the contents (S21).

On the other hand, the micro-payment method when there is an authentication procedure of the seller using a mobile communication terminal with a smart chip according to the present invention will be described with reference to the flowchart shown in FIG.

Referring to a method of purchasing and paying a small amount of goods or content online using the smart communication terminal 10 in which the smart chip is embedded, the mobile communication terminal 50 in which the smart chip 60 as described above is embedded When the purchaser 10 owns the purchase (S20), the seller 20 provides the purchaser 10 with a payment form, for example, the mobile communication terminal 60 with the smart chip 10 according to the present invention. It requires a payment form such as payment through (mobile smart payment), credit card payment or ARS payment (S21).

When the purchaser 10 selects the mobile smart payment, a payment terminal number input window appears to input the number of the mobile communication terminal 60 of the purchaser 10 (S12), and selects credit card payment or ARS payment. In this case, a conventional credit card payment or ARS payment process is performed (S23). When the buyer 10 selects the mobile smart payment, and the buyer 10 inputs the number of the mobile communication terminal 60 in the mobile communication terminal number input window on the payment window, the seller 20 moves to the buyer 10. Request the smart terminal 60 to be mounted on the communication terminal 50 (S24).

Meanwhile, the seller 20 requests the purchaser 10 to install the smart chip 60 in the mobile communication terminal 50 and sends the mobile communication terminal number of the buyer 10 to the PG 30 for sale. Request payment approval (S25). The PG 30 receiving the payment approval request from the seller 20 transmits the approval number to the seller 20, and transmits the purchaser 10's mobile communication terminal number and the approval number to the mobile carrier 40 (S26). ).

The mobile carrier 40 which has received the purchaser 10's mobile communication terminal number and the approval number from the PG 30 has an encrypted payment module (approval number) on the smart chip 60 embedded in the terminal 50 of the purchaser 10. Send it. At this time, the mobile communication terminal 60 of the purchaser 10 is displayed the approval number arrival and PIN number input request message (S27). If the purchaser 10 enters a PIN number in the mobile communication terminal 50 (S27) and it is determined that the smart chip owner matches the subscriber of the mobile terminal number (S28), the mobile communication terminal 50 of the purchaser 10 Appears in the approval number, the buyer 10 confirms this and presses the confirmation button of the menu scroll of the mobile communication terminal 50, together with the approval number input window appears on the mobile communication terminal 50, the buyer 10 moves Input the approval number received from the communication company 50 (S29). Seller 20 transmits the approval number entered in the mobile communication terminal 50 of the buyer (10) entered to the seller 20, the seller 20 checks whether it matches the authorization number received from the PG (30) (S30), when the approval number is matched, it is confirmed that the purchaser 10 who purchased the product or the content is the user who owns the mobile communication terminal 50, thereby confirming that the user approves the payment. The transaction is completed by appearing at 50 (S31).

In the step S29, if the approval number entered by the purchaser 10 is different from the approval number received from the PG 30, request the buyer 10 to re-enter the approval number (S31), and repeat the above process. . The request for re-entering the approval number may determine the number of times, and stop the transaction if the approval number does not match for a predetermined number of times.

As described above, the mobile carrier 40 confirming that the purchaser 10 is the user by the PIN number entered in the mobile communication terminal 50 approves the transaction to the PG 30 (S32), and the PG 30 Approves the payment details to the seller 20, the seller 20 completes the payment for the buyer 10 based on the content (S20).

6 is a schematic diagram of a system for performing a large payment method using a mobile communication terminal having a smart chip according to the present invention.

The payment amount may be charged in addition to the mobile communication fee because it is a small payment as described above, but when the payment amount is high, the credit information of the buyer 10 or the balance of the bank account of the buyer 10 should be inquired. . For this reason, as shown in FIG. 6, the PG 30 requests approval of the buyer 10's transaction from the value-added network (VAN) operator 70 to inquire the credit information of the buyer 10. .

In general, the VAN operator 70 may have a telephone line or an intermediary with a personal credit card (or other card) holder, a goods and services service provider (such as a large retail store, department store, retail merchant, door-to-door retailer, etc.), and a credit card company. As a provider of card approval and other VAN services through leased lines, Korea's VAN providers include Korea Credit Information Service (KICC), Korea Financial Services Agency (KFTC), Korea Trade (KSVAN), Korea Mobile Payment Service (KMPS), KIS, CC K-Ben and Nice Information and Communication (NICE) exist.

Referring to FIG. 7, a method of purchasing and paying a large amount of goods or content online using the mobile communication terminal 10 having the smart chip embedded therein includes the smart chip 60 as described above. When the purchaser 10 who owns the mobile communication terminal 50 purchases (S30), the seller 20 sends the purchaser 10 a payment form, for example, a smart chip 10 according to the present invention. A payment form such as payment through the communication terminal 60 (mobile smart payment), credit card payment or ARS payment is requested (S31).

When the purchaser 10 selects the mobile smart payment, the mobile terminal number input window appears to input the number of the mobile communication terminal 60 of the purchaser 10 (S32), and selects the credit card payment or the ARS payment. In this case, a conventional credit card payment or ARS payment process is performed (S13). When the purchaser 10 selects the mobile smart payment and the purchaser 10 inputs the number of the mobile communication terminal 60 into the mobile communication terminal number input window on the monitor, the seller 20 sends the mobile communication to the buyer 10. Request mounting of the smart chip 60 to the terminal 50 (S34),

The seller 20 requests the purchaser 10 to mount the smart chip 60 on the mobile communication terminal 50 and sends the purchaser 10's mobile communication terminal number to the PG 30 to the buyer 10. The payment request for the sale of the goods or content for the request (S35). Upon receiving the payment approval request from the seller 20, the PG 30 requests the mobile carrier 30 to the mobile carrier 40 for the credit card number and the identity of the buyer 10 embedded in the smart chip 60. (S36). The mobile carrier 40 transmits a message to the purchaser 10 to the terminal 50 of the purchaser 10 according to the request of the PG 30 to input the payment confirmation and PIN number to the purchaser 10 (S37).

When the purchaser 10 inputs a PIN number to his terminal 50 according to this message, a window for selecting the card possessed by the purchaser 10 according to the information input to the smart chip 60 is displayed on the terminal 50. Appeared, the buyer 10 selects a card to be used for payment (S38). When the purchaser 10 selects a card, the terminal 50 displays a window for inputting the password of the credit card selected by the purchaser 10, and the purchaser 10 inputs the password of the credit card according to the instruction and then confirms the button. When is pressed, the contents are transmitted to the mobile communication company 40.

The PIN 10 sent from the terminal 50 of the purchaser 10 to the mobile carrier 40 confirms that the purchaser 10 is the user, while the credit card number of the purchaser 10 is transmitted to the PG 30. Whether the person who purchased the product or the content is his or her credit card number is confirmed (S40). If the person who purchased the goods or content by the PG (30) and the credit card number is confirmed, the PG 30 requests the approval to the VAN operator 70 (S41), the VAN operator 70 The credit card of the buyer 10 is inquired based on the credit card number of the buyer 10 transmitted from the PG 30 (S42).

If there is no abnormality in the card inquiry result of the purchaser 10, the VAN operator 70 instructs the PG 30 to approve the transaction (S43). The PG 30 approves the payment details to the seller 20 according to the instructions of the VAN operator 70 (S44), and when there is an instruction to stop the transaction of the VAN operator 70, the PG 30 is the seller ( Send a transaction stop instruction to 20) (S45). In this way, the transaction is completed by confirming that the purchaser 10 who purchased the product or the content is the person who owns the mobile communication terminal 50 and the credit card number (the credit information of the purchaser 10) of the purchaser 10, When the transaction is completed, the transaction details are stored in the terminal 50 of the buyer 10 (S46).

On the other hand, as another method of the large amount payment using the mobile communication terminal 50 with the smart chip 60 according to the present invention as shown in FIG. 8 to query the balance of the bank account of the buyer 10 As shown in FIG. 8, the PG 30 has a process of requesting approval of the buyer 10's transaction to the bank common network 80 to query the buyer's 10 bank account.

Referring to FIG. 9, a method of purchasing and paying a large amount of goods or content online using the mobile communication terminal 10 having the smart chip embedded therein includes the smart chip 60 as described above. When the purchaser 10 who owns the mobile communication terminal 50 purchases (S50), the seller 20 sends the purchaser 10 a payment form, for example, a smart chip 10 according to the present invention. A payment form such as payment through the communication terminal 60 (mobile smart payment), credit card payment or ARS payment is requested (S51).

When the purchaser 10 selects the mobile smart payment, the monitor displays a mobile terminal number input window for inputting the number of the mobile communication terminal 60 of the purchaser 10 (S52), and selects credit card payment or ARS payment. In this case, a conventional credit card payment or ARS payment process is performed (S53). When the purchaser 10 selects the mobile smart payment and the purchaser 10 inputs the number of the mobile communication terminal 60 into the mobile communication terminal number input window on the monitor, the seller 20 sends the mobile communication to the buyer 10. Request mounting of the smart chip 60 to the terminal 50 (S54),

The seller 20 requests the purchaser 10 to mount the smart chip 60 on the mobile communication terminal 50 and sends the purchaser 10's mobile communication terminal number to the PG 30 to the buyer 10. The payment request for the sale of the goods or content for the request (S55). Upon receiving the payment approval request from the seller 20, the PG 30 requests the mobile communication company 30 to check the bank account number of the buyer 10 embedded in the smart chip 60 and whether the mobile communication provider 40 is the user. (S56). The mobile carrier 40 transmits a message to the purchaser 10 to the terminal 50 of the purchaser 10 according to the request of the PG 30 to input the payment confirmation and the PIN number to the purchaser 10 (S57).

When the purchaser 10 inputs a PIN number to his terminal 50 according to this message, a window for selecting the card possessed by the purchaser 10 according to the information input to the smart chip 60 is displayed on the terminal 50. Appeared, the buyer 10 selects a bank account to be used for payment among the bank accounts stored in the smart chip 60 (S58). When the buyer 10 selects a bank account to be used for payment, the terminal 50 displays a window for inputting the password of the bank account selected by the buyer 10, and the buyer 10 enters the password of the bank account according to the instruction. After pressing the OK button, the contents are transmitted to the mobile communication company 40.

The PIN 10 sent from the terminal 50 of the buyer 10 to the mobile carrier 40 confirms that the buyer 10 is the user, while the bank account number of the buyer 10 is transmitted to the PG 30. Whether the person who purchased the product or the content is his or her bank account number is confirmed (S50). If the person who purchased the goods or content by the PG 30 is the person and the credit card number is confirmed, the PG 30 requests bank transfer to the bank common network 80 (S61), and the bank common network ( 80 confirms whether there is a balance in the bank account of the buyer 10 according to the request for transfer of the buyer 10 transmitted from the PG 30 (S62).

If there is a balance in the bank account of the buyer 10, the bank common network 80 requests transfer to the PG 30 (S63), and the PG 30 sends a request for the account of the bank common network 80 to the bank. Therefore, the payment history is approved to the seller 20 (S63). On the other hand, the bank common network 80 notifies the PG 30 that the balance is insufficient when the account inquiry results, and the PG 30 indicates that there is no balance in the bank account of the buyer 10 selected by the mobile carrier 40. In this case, the buyer 10 to select another bank account (S64). When the buyer 10 selects another bank account, the buyer 10 enters the password of the bank account and repeats the above process. In addition, if the buyer 10 does not select another bank account, the transaction is instructed to be suspended (S65).

As described above, when there is a request for bank transfer of the bank common network 80, the PG 30 remits the payment to the seller 20 (S66). As such, the purchaser 10 who purchased the product or the content is the person who owns the mobile communication terminal 50, and the balance is confirmed in the bank account of the purchaser 10, and the remittance is transferred from the PG 30 to the seller 20. As a result, the transaction is completed, and when the transaction is completed, the transaction details are stored in the terminal 50 of the buyer 10 (S67).

As described above, the conventional payment method using a communication terminal cannot accurately identify whether the buyer using the service has the personal information provided to the seller or the online PG, so that the name can be stolen, and the social security number is entered. There was a problem that personal information could be leaked in some cases.

As described above, according to the payment method using the mobile communication terminal equipped with a smart chip according to the present invention, the personal information provided to the seller or online on the user's identity is correctly authenticated to eliminate the fear of identity theft, and to pay online The leakage of personal information can be prevented by deleting input procedures such as personally identifiable information and card number information in the process.

Claims (4)

In the authentication method and payment method without the authentication process of the seller through the verification of the identification number check using the smart chip stored subscriber identification information and financial account information mounted on the mobile communication terminal, A purchaser purchasing a product or content online and selecting authentication payment (hereinafter, referred to as mobile smart payment) using a mobile smart chip as a payment method; When the purchaser enters the mobile terminal number in the payment window on the web, the seller sends the inputted mobile terminal number to the electronic payment center and requests the payment approval from the electronic payment center; The electronic payment center requesting payment approval through a wireless network of a mobile carrier to which the purchaser subscribes; The mobile carrier confirming the purchase intention of the purchaser and requesting the PIN number to be entered; A purchaser entering a PIN number for accessing a smart card or a smart chip of the mobile communication terminal; Determining whether the mobile communication company is the same as the subscriber of the smart chip and the subscriber of the mobile terminal number by accessing the smart chip; The electronic payment relay station, after confirming the approval result, approves the transaction, and transmits the approval result to the seller, and the seller notifies the completion of the payment. In the authentication method and payment method with the authentication process of the seller through the verification of the verification of the identification number using the smart chip stored subscriber identification information and financial account information mounted on the mobile communication terminal, A buyer purchasing goods or content online and selecting mobile smart payment as a payment method; When the buyer inputs the mobile communication terminal telephone number, the seller sends the inputted mobile communication terminal number to the electronic payment center and requests the payment approval from the electronic payment relay station; Determining, by the mobile operator, whether the identity between the purchaser and the subscriber of the mobile phone terminal number and the smart chip subscriber installed in the terminal match; The electronic payment center, which confirms the result of authentication by the mobile operator, sends the approval number to the smart card or smart chip of the mobile terminal in which the purchaser has a payment approval number through the wireless network of the mobile carrier to which the purchaser subscribes. Transmitting; When the buyer checks the authorization number displayed on the mobile phone screen by entering a PIN number for accessing the smart card or smart chip of the mobile communication terminal and enters the authorization number into the payment window, the seller requests the electronic payment center to approve the transaction. Steps; The electronic payment relay station approves the transaction after checking the approval number, and the seller notifies the completion of the payment. In the authentication method and payment method for purchasing goods and content online or offline using a smart chip that stores subscriber identification information and financial account information mounted on the mobile communication terminal, The purchaser purchases goods or content online or offline and selects mobile smart payment as a payment method; When the seller transmits the mobile phone terminal number of the buyer to the electronic payment center, the electronic payment relay station transmitting the information to the mobile communication service provider to which the buyer subscribes and requesting smart chip information; Requesting the purchaser to enter a PIN number to access the information of the smart chip embedded in the buyer's mobile terminal through an encrypted process; Allowing the purchaser to access the smart chip by entering a PIN number and transmitting the smart chip information in encrypted form to the mobile carrier through the password input; The mobile operator transmits the credit card selected by the buyer and whether the user is an electronic payment relay station, and the electronic payment relay station transmits the credit card number of the buyer to the VAN operator to verify the credit and request transaction approval; The VAN operator confirms the buyer's credit and instructs to stop the transaction in case of bad credit, and approves the transaction when there is no abnormality in the credit; When the transaction is approved from the VAN operator, the electronic payment center approves the payment details to the seller, and the seller notifies the buyer of the payment completion, characterized in that the payment method using a smart chip embedded mobile terminal. In the authentication method and payment method for purchasing goods and content online or offline using a smart chip that stores subscriber identification information and financial account information mounted on the mobile communication terminal, A buyer purchasing goods or content online and selecting mobile smart payment as a payment method; If the purchaser enters the mobile terminal number, the seller sends the entered mobile terminal number to the electronic payment center and requests the payment approval from the electronic payment center; The electronic payment center transmitting the buyer's mobile terminal number to the mobile carrier to confirm the buyer's bank account number and identity; The mobile terminal company transmits a payment confirmation in the form of an encrypted payment module to the purchaser together with a request for input of a PIN number embedded in the smart chip of the mobile communication terminal; The purchaser selects a bank account together with a PIN of the mobile communication terminal, inputs a password of the bank account, and transmits the encrypted account to the mobile communication company; The carrier sends the buyer's bank account number and his identity to the electronic payment center, and the electronic payment center sends the buyer's bank account number to the bank's common network to check the buyer's bank balance. Requesting transaction approval; Checking the bank balance of the buyer to instruct the transaction to stop if there is no bank balance and to approve the transaction when there is a bank balance above the transaction price; When the transaction is approved from the bank common network, the electronic payment center sends the transaction to the seller, and the seller notifies the buyer of the completion of the payment, and the payment method using the mobile terminal having the smart chip embedded therein. .