KR20070003403A - How to pay using a mobile payment reader - Google Patents

Abstract

The present invention is to charge the billing fee according to the offline transaction in the customer's mobile phone bill, a variety of information required for payment entered through the mobile phone reader (mobile phone number, social security number, product code, payment amount, etc.) The present invention relates to a postpaid payment method using a mobile phone payment reader in an off-line transaction, so that the mobile phone payment system and the mobile communication system authenticate and process the mobile payment system so that the payment fee can be added to the mobile phone usage fee of the customer.

Description

Payment method using mobile payment reader {Method For Settling Accounts With Reader Of Wireless-Phone Payment}

1 is a configuration diagram of an embodiment of a payment system using a mobile phone number to which the present invention is applied.

Figure 2a is an embodiment internal configuration of a mobile phone payment reader to which the present invention is applied.

Figure 2b is an external configuration diagram of an embodiment of a mobile phone payment reader to which the present invention is applied.

Figure 3 is a flow diagram of an embodiment of a payment method made in a mobile phone payment reader to which the present invention is applied.

Figure 4 is a detailed flowchart of an embodiment of a payment method using a mobile phone payment reader according to the present invention.

The present invention relates to a payment method for enabling the payment on the offline using a mobile phone number.

Currently used payment method using a mobile phone and its features are as follows.

First of all, the mobile phone micropayment service method includes a mobile phone (a terminal capable of wireless communication such as a PCS or a PDA) by a consumer using a paid Internet site operated by an operator who provides goods or services in electronic commerce online. Is a payment service that provides a mobile phone micropayment solution to the service provider and acts as a proxy agent, system operation, etc., and affiliated service providers (lower merchants) are limited to operators operating online paid Internet sites. do.

In this case, the mobile phone micropayment service method has a problem in that its use area is limited as a business model that can be used only on an online enterprise commerce.

Next, the mobile phone billing and storage agency service (mobile phone EBBP) method is a derivative of the mobile phone micropayment service that is used as a payment method for online e-commerce. I speak. That is, the use area of the mobile phone EBBP is mainly used in the relationship that the consumer is in continuous supply of goods or use of services due to its characteristics such as public goods such as electricity and gas rates, cable TV reception fee, and communication network use fee. In the continuous off-line relationship, consumers have been using payment methods such as direct payment, account transfer, etc., but these payment methods are cumbersome for consumers and billing and storage for businesses. And the inconvenience of delinquency management and the increase of related costs. As an alternative to supplement the disadvantages of the existing payment method, the mobile phone EBBP service has emerged.

On the other hand, the mobile phone EBBP, unlike a small amount of mobile phone payment must go through the authentication process for each transaction, only the first application and authentication in the continuous supply of goods or continuous service use, the fee is added to the mobile phone usage fee The advantage is that you can pay. In addition, in the case of Jiro or other methods such as automatic transfer of funds, it takes considerable manpower, cost, and time for billing, receiving and delinquency management, and also increases the delinquency rate. However, the mobile phone EBBP decreases the delinquency rate as well. This has the advantage of greatly reducing the cost of billing and hydraulic work.

However, the mobile phone EBBP service is limited to a business model that can be used even in off-line transactions, or in the case of a continuous supply of goods or a continuous service relationship due to its characteristics. Only the advantage of continuing to use the service in offline transactions, but on the other hand, if you stop or terminate the use of the service is inconvenient to notify and separately confirm the fact to the affiliates.

On the other hand, a variety of methods are provided in addition to the above-described method, and the ARS payment service is an electronic payment service using a wired or wireless telephone, and unlike the micro payment service of a mobile phone, an electronic payment service can be used even through a wired telephone. However, on the other hand, from the consumer's point of view, the method of use is inconvenient compared to the mobile micropayment service (consumers need to make a phone call for each call), and in particular, the mobile micropayment service has been Unlike the ARS payment service, a separate authentication number is transmitted, unlike the secured device related to personal authentication and verification, which requires payment by entering a separate authentication number (6 digits) sent to the mobile phone owned by the consumer. Lack of identity verification and verification procedures called There is a weak point in terms of verification, and there is a problem in that the rate of complaints by consumers is higher than the mobile payment service.

That is, the ARS payment service has the advantage of using the electronic payment service through a landline phone as well as a mobile phone, but there is a problem in that the inconvenience of the use method, identity authentication and verification method is weak.

An object of the present invention for solving the above problems is to charge the billing charges according to the transaction in the offline mobile phone usage fee, and various information required for the payment input through the mobile phone payment reader (mobile phone Number, social security number, product code, payment amount, etc.) by the mobile phone payment system and the mobile carrier system authentication and processing, so that the payment fee is added to the customer's mobile phone usage bill, billing method using a mobile payment reader To provide.

The present invention for achieving the above object, in the payment method using a mobile phone payment reader applied to a payment system using a mobile phone number, (a) the product code, payment amount, mobile phone number entered through the mobile phone payment reader (10) Receiving, at least one of the registration information and the payment request information from the merchant information previously stored in the mobile phone payment reader 10, the mobile phone payment system 30 to receive from the mobile phone payment reader (10); (b) when the affiliated store information is affiliated store information, transmitting, by the mobile phone payment system 30, the inquiry request information indicating whether payment to the mobile phone number is possible to the mobile communication company system 40; (c) when the inquiry result of the mobile phone that can be paid from the mobile communication company system 40 is received, the mobile phone payment system 30 generates an authentication key to provide a short message service provided by the mobile communication company system 40 ( Transmitting the authentication key to the mobile phone number using SMS), and transmitting information to input the authentication key to the mobile phone payment reader 10; (d) If the authentication key transmitted through the mobile phone payment reader 10 is the same as the mobile phone payment system 30 compared with the authentication key of step (c), the payment of step (a) is performed. Transmitting to the mobile communication company system 40; And (e) if the payment completion details have been transmitted from the mobile communication company system 40, transmitting the payment completion details to the mobile phone payment reader 10 to terminate the payment.

The present invention is to overcome the shortcomings of the existing business models related to micropayments and to develop the overall mobile phone electronic payment business model, which is used as a case of the continuous transaction relationship among the existing online micropayment services and offline transactions that are applied only to online transactions. By overcoming the problems of the limited use of the mobile phone EBBP service, the inconvenience of using the ARS payment service, and the weakness of the identity authentication and verification method, the consumer himself in all offline transactions including continuous transaction It is to make it possible to use a postpaid electronic payment service simply and safely using your mobile phone.

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

1 is a configuration diagram of an embodiment of a payment system using a mobile phone number to which the present invention is applied, and shows a system that enables payment of off-line sales price using a mobile phone payment reader 10.

That is, as shown in the figure, the payment system using the mobile phone number to which the present invention is applied is installed at each affiliated store to input the mobile phone 20 used by the customers looking for each affiliated store and the payment information including the mobile phone number of the customer. Cell phone payment reader 10, the mobile phone payment for transmitting the billing information to the mobile phone system to check the merchant information while receiving the payment information transmitted from the mobile phone payment reader installed in each merchant It comprises a mobile carrier system 40 for performing a payment by using the information transmitted from the system 30 and the mobile phone payment system while transmitting the information related to payment in a text message to the mobile phone of the customer who has made the payment. It is.

The mobile payment reader (inquiry device) (hereinafter, simply referred to as a 'mobile payment reader') receives customer information such as a mobile phone number and a resident registration number of the customer, and together with the information, merchant information, payment amount information, Performs a function of transmitting product code information and the like to the cellular phone payment system 30. In this case, the cellular phone payment reader 10 may communicate with the cellular phone payment system 30 through a wired communication network or a wireless communication network.

In addition, the mobile phone payment system 30 is to perform the function of receiving the information from the mobile phone payment reader 10 provided to each merchant to perform merchant authentication, and to provide payment information to the mobile communication company system. As shown in the drawing, an input unit 33 for receiving information necessary for monitoring and control from a user, an output unit 34 for outputting information for monitoring and control by a user, and for each affiliate store Storage unit 35 for storing the information and information necessary for payment, and communicate with the mobile phone payment reader installed in each merchant through a wired or wireless communication network, while transmitting and receiving payment information with a mobile communication system through a wired communication network Interface 31 for control and the control unit 32 for controlling the interface and each part It is configured.

In addition, the mobile communication company system 40 is a communication system operated by a company that provides a mobile communication service, such as SKT, KTF, LGT, etc., as well as general voice communication and text message transmission service, payment using a mobile phone as described above It is a system that can provide services. That is, the mobile communication company system 40 transmits a short message (SMS) to the mobile phone of the customer at the request of the micro payment unit 43, the mobile payment system or the micro payment unit for providing a payment service applied to the present invention. It comprises a short message unit 42 for and a voice communication unit 41 for providing a general voice call service.

Figure 2a is an internal configuration of an embodiment of a mobile phone payment reader to which the present invention is applied, Figure 2b is an external configuration of an embodiment of a mobile phone payment reader to which the present invention is applied, the mobile phone payment reader 10 shown in FIG. ) Shows the internal and external configuration. In addition, Figure 3 is a flow chart of an embodiment of a payment method made in the mobile phone payment reader to which the present invention is applied, the payment method as shown in Figure 3, the merchant owner is a mobile phone payment reader 10 to which the present invention is applied After the installation in the mobile payment system 30 may be made only by receiving the information necessary for payment, such as the basic information of the merchant including the merchant ID from the storage unit 15 to be made.

At this time, the detailed description of the internal and external configuration of the mobile phone payment reader 10 shown in Figures 2a and 2b, and the detailed description of the payment method made in the mobile phone payment reader shown in Figure 3, the same by the applicant The detailed description thereof will be omitted since the present invention is described in detail in the application specification entitled [Mobile Phone Payment Reader and Method].

4 is a detailed flowchart illustrating an embodiment of a payment method using a mobile phone payment reader according to the present invention. At this time, the payment method as shown in Figure 4, as mentioned in the description of Figure 3, after the merchant owner installs the mobile phone payment reader 10 in the merchant, including the merchant ID from the mobile phone payment system 30 It may be achieved only by receiving information necessary for payment such as basic information of affiliated stores and storing the information in the storage unit 15.

That is, when the above process is preceded, when the customer finds an affiliate store and uses the service to apply for the payment by a mobile phone settlement method, the affiliate store owner is provided with buttons on the affiliate store side B of the mobile payment reader 10. The merchant input unit 16 inputs the code and the payment amount of the service item (product) used by the customer, and the control unit 12 inputs the input product code and the payment amount to the customer side A and the merchant side. It outputs through the monitors 14 and 17 provided in (B) (502).

Next, the control unit 12 outputs a message for inputting a mobile phone number to the monitor 14 of the customer side A (504), and receives a mobile phone number from the user through a button of the customer input unit 13. (506). In this case, the controller 12 may output the inputted mobile phone number through the monitors 14 and 17 of the customer side A or the affiliated store side B. FIG.

Next, the control unit 12 outputs a message for inputting the social security number on the monitor 14 of the customer side A (508), and receives the social security number from the user through the button of the customer input unit 13 (510). ). In this case, the controller 12 preferably outputs the input of the resident registration number through the monitor 17 of the affiliated store side B and the monitor 14 of the customer side A in the form of '*'.

In this case, the process of inputting the mobile phone number and the process of inputting the resident registration number is irrelevant even if the order is changed. Also, in the above description, the method of inputting both the mobile phone number and the resident registration number of the customer is described. .

Next, the control unit 12 connects the communication with the mobile phone payment system 30 through the interface 11, the various information, that is, merchant ID, product code, payment amount, mobile phone number, social security number, input time The payment request information is transmitted to the mobile phone payment system 30 to request payment (512). At this time, the control unit 12 may output a message of 'transmitting' or 'payment request' through the monitors 14 and 17 of the customer side A and the affiliated store B.

On the other hand, the mobile phone payment system 30 compares the merchant information stored in the storage unit 35 with the merchant information transmitted from the mobile payment reader 10 to determine whether or not the registered merchant (514).

In the case of a registered merchant, the mobile phone payment system 30 moves information for checking whether payment using a mobile phone is possible, such as the mobile phone number and social security number, to inquire whether the payment is possible to the mobile phone. The data is transmitted to the communication company system 40 (516).

The mobile communication company system 40 which has received the inquiry information checks whether the customer is a mobile phone subscriber, and checks whether the customer is a lost phone, whether the fee is not paid, the payment limit, and the like. And transmits to payment system 30 (518).

When receiving information indicating that the mobile phone system 40 determines that the mobile phone can be settled, the mobile phone payment system 30 generates an authentication key for payment and transmits the authentication key to the mobile phone company system 40 (520). At this time, the mobile phone payment system 30 transmits a message for inputting the received authentication key to the mobile phone payment reader 10, and the mobile phone payment reader 10 outputs the message through the monitors 14 and 17. do. However, if the authentication process 518 fails, the control unit 12 of the mobile phone payment reader receives the message that is the authentication failure from the mobile phone payment system 30 to output through the monitor (14, 17).

Meanwhile, the mobile telecommunication company system 40 which has been requested to transmit the authentication key transmits the authentication key to the mobile phone number 20 by using a short message service (SMS) (522).

The customer who receives the authentication key to his mobile phone 20 allows the user to input the received authentication key through the customer input unit 13 provided in the customer using means 50 of the mobile phone payment reader 10. The control unit 12 transmits the input authentication key to the mobile phone payment system 30 through the interface 11 (526).

In this case, the mobile phone payment system 30 compares the authentication key transmitted to the mobile phone of the customer and the authentication key received from the mobile phone payment reader 10, and finally determines whether to approve payment (528). The billing request information is transmitted to the mobile communication company system 40 (530).

Finally, the mobile telecommunication company system 40 having received the billing request information stores the billing information for the mobile phone number in the micro payment unit 43 to process the payment (532), and displays the payment completion details of the mobile phone billing system ( 30) (534).

In this case, the mobile telecommunication company system 40 may notify the mobile phone number 20 of the payment completion history using a short message service (SMS) (536).

On the other hand, the mobile phone payment system 30 received the payment completion details from the mobile carrier system 40 transmits the payment completion details to the mobile phone payment reader 10, while storing the payment completion details in the storage unit 35 It will be managed (538).

In addition, the control unit 12 of the mobile phone payment reader 10 which has received the payment completion history from the mobile phone payment system 30 monitors the monitors 14 and 17 provided in the customer using means 50 and the affiliated store using means 60. While outputting the payment completion history (540) through the receipt output unit 18 to output the paper receipt (18-1) (542). In this case, the controller 12 may additionally output the payment balance only to the monitor 14 of the customer using means 50. In addition, the receipt may include information related to payment, such as a merchant name, a brand name, a payment amount, a mobile phone, an authentication key, and the control unit 12 may output two identical receipts for payment to a customer and a merchant.

On the other hand, the mobile communication company system 40 charges the payment amount completed through the process when issuing a bill for the mobile number (544), and stored in the mobile communication company system 40 and the mobile phone payment system 30 The payment completion information is, when the customer pays the fee according to the payment to the mobile communication company system 40, the merchant owner equipped with a mobile phone payment reader 10, mobile phone payment system (30 operators and mobile carrier system 40 ) Can be used to settle costs for operators.

The present invention is not limited to the embodiments described above, it can bring various modifications and changes by those skilled in the art, in particular, the existing electronic payment (payment) means (credit card, debit card) to the mobile phone payment reader By adding a payment function through an IC chip mobile phone, etc.), the mobile phone payment reader may be configured as a complex reader (querying machine) covering all electronic payment means. A complex electronic payment (payment) method can be implemented. It is included within the spirit and scope of the invention as defined in the appended claims.

The present invention as described above has an excellent effect that the mobile phone payment method can be applied to all offline transactions as well as online transactions.

In addition, the present invention has an excellent effect that it is possible to diversify the payment method of consumers on the offline. That is, according to the present invention, consumers who do not have existing electronic payment means (credit card, electronic money, debit card, check card, mobile phone payment with IC chip, etc., etc.) do not have any offline transactions (separate in a continuous transaction relationship). The service can be used through a wireless dedicated reader), and it is possible to use a postpaid payment method simply and safely.

In addition, the present invention has an excellent effect that not only can secure a variety of merchant payment methods, but also expand the entire mobile phone electronic payment market. That is, the present invention can secure additional payment methods in addition to the existing payment method (credit card, etc.) to provide convenience related to the payment to consumers, and consumers who do not have the existing payment method can easily postpaid payment method. It can be used to expand the electronic payment market using a mobile phone.

Claims (4)

In the payment method using a mobile payment reader applied to a payment system using a mobile number, (a) mobile phone payment request information and payment request information and at least one of the product code, payment amount, mobile phone number, resident registration number, the merchant information previously stored in the mobile phone payment reader (10) input through the mobile phone payment reader (10) Receiving a system 30 from the cellular phone payment reader 10; (b) when the affiliated store information is affiliated store information, transmitting, by the mobile phone payment system 30, the inquiry request information indicating whether payment to the mobile phone number is possible to the mobile communication company system 40; (c) when the inquiry result of the mobile phone that can be paid from the mobile communication company system 40 is received, the mobile phone payment system 30 generates an authentication key to provide a short message service provided by the mobile communication company system 40 ( Transmitting the authentication key to the mobile phone number using SMS), and transmitting information to input the authentication key to the mobile phone payment reader 10; (d) If the authentication key transmitted through the mobile phone payment reader 10 is the same as the mobile phone payment system 30 compared with the authentication key of step (c), the payment of step (a) is performed. Transmitting to the mobile communication company system 40; And (e) if the payment completion details are transmitted from the mobile communication company system 40, transmitting the payment completion details to the mobile phone payment reader 10 to terminate the payment; Payment method using a mobile payment reader comprising a. The method of claim 1, The paid payment amount is included in the monthly use bill for the mobile number Payment method using a mobile phone payment reader characterized in that. The method of claim 1, (f) the mobile telecommunication company system 40 transmitting the payment completion details to the mobile phone number using a short message service (SMS); Payment method using a mobile payment reader comprising a more. The method of claim 1, The cellular phone payment reader 10 and the cellular phone payment system 30 to transmit and receive information via a wired or wireless communication network Payment method using a mobile phone payment reader characterized in that.

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