KR20110066841A - Authentication processing system for mobile payments and how to process mobile payments - Google Patents

Abstract

PURPOSE: An authentication processing system for mobile payment and mobile payment processing method are provided to conveniently perform mobile terminal payment in case a user who takes an order for a product is equivalent to a user who pays the bill. CONSTITUTION: An automatic response system(21) is connected to a mobile terminal(12) of a payer and guides orderer ID information. The automatic response system receives user authentication information. A payment approval processor(22) transmits mobile terminal information, product price, and user identification information to a payment gateway(15). The payment approval processor requests the mobile payment approval.

Description

System for Processing Mobile Payment Authentication, and Method for Processing Mobile Payment}

The present invention relates to an authentication processing system for a mobile phone payment and a mobile phone payment processing method, and in particular, a user who orders a product and a user who pays the purchase price of the product are not only the same, but also different and convenient mobile phone payment It is to make it possible.

There are various payment services such as cash payment, credit card payment and mobile phone payment.

In particular, a mobile phone is a product that is always carried by the user so that anytime, anywhere payment service can be used, and the mobile phone payment service is widely used for small payments because the procedure is simple.

However, no matter what payment method, if the current user does not have a payment method such as cash, mobile phones, credit cards, payment is impossible.

On the other hand, there are many situations in which people who want to order a product are not able to pay the purchase price of the product at this time, but if a specific person such as a parent or friend knows such a situation, he or she will pay the fee instead. Occurs.

This situation can occur particularly often when relatively small payments, such as pizza charges, are required.

For example, if a parent goes out and is alone at home, a minor child wants to eat pizza, there is no way to make a pizza without the cash in the hands of the children, even if the parents would agree.

Therefore, there is a need for a method that allows payment to be made even when the user who orders the product and the user who actually pays the purchase price of the corresponding product are different from each other.

Accordingly, the present invention has been made in order to meet the above needs, so that the user who orders the product and the user who will pay the purchase price of the product is not only the same, but also different and convenient mobile phone payment service can be made The purpose is to provide an authentication processing system and a mobile phone payment processing method for the mobile phone payment.

In order to achieve the above object, the authentication processing system for mobile phone payment according to the present invention is based on the identification information of the user (order) to order the product and the mobile phone information of the user (payer) to pay the purchase price of the product As a result, the purchase price of the product can be paid through a mobile payment method.

In one embodiment of the authentication processing system for mobile phone payment according to the present invention, connected to the mobile phone of the payer to confirm the orderer identification information by voice to confirm whether the payment of the purchase price of the product, and from the payer Automated response system for receiving information for identity authentication; And the mobile phone information of the payer, the purchase price of the product, and the personal authentication information received through the automatic answering system to the payment gateway, requesting the mobile phone service provider to approve the mobile phone payment, and receiving the response. Including the payment approval processing unit.

Mobile phone information of the payer may include a mobile phone number and mobile carrier information. In this case, the mobile communication company information may be collected when ordering goods from the orderer, or may be input from the payer through the automatic answering system.

The automatic response system may voicely inform the payer whether or not the corresponding product order is normally received according to the response received from the payment gateway through the payment approval processing unit.

The authentication processing system for mobile phone payment according to the present invention, according to the response received from the payment gateway through the payment approval processing unit of the orderer's phone terminal and the payer's mobile phone whether or not the product order has been successfully received It may further include an order result guide to guide whether or not.

The order result guide unit may transmit a text message indicating whether the corresponding product order is normally received by using one or more of the orderer's telephone terminal and the payer's mobile phone as a destination.

The orderer identification information may include the name of the orderer.

Another embodiment of the authentication processing system for mobile phone payment according to the present invention, payment approval including the orderer identification information, the mobile phone information of the payer, the purchase price of the product, the individual operator information from the device of the individual operator requesting the mobile phone payment approval A payment gateway that receives the request message; And an automatic answering system connected with the payer's mobile phone to confirm whether the purchaser agrees to pay the purchase price of the goods by guiding the orderer identification information through a voice, and receives information for authentication from the payer.

At this time, the payment gateway, if the checker agrees to the payment as a result of the automatic answering system, the purchase price of the product, the individual operator information, the identity information, and the mobile phone number of the payer for the payment approval request. The mobile terminal performs a mobile phone payment approval procedure, and transmits the approval result to the device of the individual operator.

Mobile phone information of the payer may include a mobile phone number and mobile carrier information. The mobile phone number of the payer is collected from the orderer, and the mobile carrier information may be received from the device of the individual operator or received from the payer through the automatic answering system.

The payment gateway may combine the information about the payment approval request via the mobile phone information of the payer to transmit to the mobile communication company server.

The automatic answering system may voice the payment result of the approval received by the payment gateway from the mobile communication company server.

The mobile phone payment processing method according to the present invention is related to a POS system, the POS system, if the product order information including the orderer identification information and the mobile phone information of the payer is input, requesting the payer authentication to the automatic response system; The automatic answering system dials the mobile phone of the payer and guides the orderer identification information through voice to confirm whether the user agrees to pay the purchase price of the product, and receives the personal identification information from the payer and delivers it to the POS system. ; Requesting, by the POS system, the mobile phone information of the payer, the purchase price information of the product, and the personal authentication information received from the automatic answering system to the payment gateway to receive the mobile phone payment approval, and receiving a response; And guiding whether or not the corresponding product order has been normally received to one or more of the telephone terminal of the purchaser and the cellular phone of the payer according to the response received from the payment gateway.

The POS system may receive the product order information through a communication network from at least one of a call center server and a web server operating an internet homepage for ordering products.

In addition, the POS system may receive the product order information from the administrator via a keyboard.

Guidance as to whether or not the product order has been successfully received may be made by voice or through a text message through the automatic answering system.

According to the present invention, a user who can directly pay the purchase price of a product he wants to order, as well as a user who does not have a proper payment method, can purchase a product anytime and anywhere if there is a person who will pay the product purchase amount instead.

Accordingly, it is possible to provide a very convenient alternative payment method for users who do not currently have a payment method.

A user who pays the purchase price of a product ordered by another person can agree to the payment after confirming the circumstances such as who the other person is and what product he / she wants to purchase through his mobile phone. Therefore, security and reliability for the payer can also be secured.

1 is an embodiment of an authentication processing system for mobile phone payment according to the present invention;
2 is an example of the operation of the automatic response system,
3 illustrates an example of a process of approving a mobile phone payment;
4 is an embodiment further comprising an order result guide unit;
5 is another embodiment of an authentication processing system for mobile phone payment according to the present invention;
6 is an example of a POS system for performing mobile phone payment processing according to the present invention;
Figure 7 is an embodiment of a mobile phone payment processing method according to the present invention,
8 is an example of the entire process of ordering goods and mobile phone payment according to the present invention in the POS system.

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

As used herein, the term 'product' includes not only physical goods but also service goods, and means any type / intangible goods that may be subject to a transaction.

In addition, the term "mobile phone" means not only a general mobile phone but also any phone terminal having mobility and phone call functions such as a smart phone.

Figure 1 shows an embodiment of the authentication processing system 20-1 for mobile phone payment according to the present invention, comprising an automatic response system 21 and payment approval processing unit 22, and orders goods It receives a payment approval request message from a receiving device (not shown) and processes a product purchase amount for the corresponding product order through a mobile phone payment method.

The mobile payment method is a post-payment payment method that charges a purchase price of a product to a user who owns a mobile phone, and the purchase price of the product is received as a communication fee of a mobile carrier to which the mobile phone is subscribed.

The automatic response system 21 and the payment approval processing unit 22 of the authentication processing system 20-1 for mobile phone payment may be implemented together in the same device or may be implemented as separate devices to exchange information with each other. .

The authentication processing system 20-1 for mobile phone payment may be operated by various subjects. For example, a third party that checks whether a mobile phone payment is possible between each individual carrier and a payment gateway (PG), a payment gateway operator that checks whether a mobile phone payment is possible between each individual carrier and a mobile carrier, This could be a payment gateway operator or an individual provider that is directly affiliated with a mobile carrier.

Therefore, the authentication processing system 20-1 for mobile phone payment may receive a payment approval request message through various paths.

For example, a computer system (web server that operates an internet shopping mall, a call center server, a computer in an individual business place, etc.) requesting mobile phone payment approval for each product order is received through a communication network, or a function related to product order receipt is received. Receive from a POS system to perform.

The information to be included in the payment approval request message may vary as necessary, but at least with respect to the role of the automatic response system 21, identification information of the user who orders the product (hereinafter referred to as the orderer) and the purchase price of the product It includes the mobile phone information of the user (hereinafter referred to as the payer) to pay.

Here, the payer's mobile phone information refers to the mobile phone number.

In addition, the mobile phone information of the payer may include mobile carrier information (SK Telecom, LG Telecom, KT, etc.) to which the mobile phone is subscribed. Carrier information may be collected from an orderer or a payer.

The orderer and the payer need not be the same, and the orderer can designate a person to pay the purchase price of the product instead. In this case, the mobile phone information of the payer becomes mobile phone information of another person, not an orderer.

The orderer identification information is used to enable the payer to make a decision about whether to pay for the purchase price of the product. Various information may be used as the orderer identification information as necessary.

A specific example that can be used as orderer identification information is the name of the orderer.

In addition, all or part of the orderer's or biller's address, the orderer's or biller's nickname, orderer's phone number, order date, type and quantity of the ordered product, purchase price information of the product, delivery address information, etc. can be identified independently or with other information. Can be used as information.

The information to be included in the payment approval request message may also vary depending on the role of the payment approval processing unit 22. Specific examples may include a purchase price of a product, information on a business operator who has ordered the product, and information on a mobile phone of a payer. .

As described above, the mobile carrier information of the mobile phone information of the payer may be collected from the payer through the automatic answering system 21.

The automatic response system 21 agrees to pay the purchase price of the corresponding product by guiding voice information that allows the payer to decide whether to agree to the payment of the purchase price of the product between the payer's mobile phone 12. It checks if it is. And if the payer agrees to pay the purchase price of the product, the payer receives the information for authentication.

The information guided to confirm whether the payer agrees to pay the purchase price of the product includes the orderer identification information. As described above, information that may be used as orderer identification information may vary from orderer name, purchase price, order date, type of ordered product, quantity of ordered product, delivery destination, and the like.

Referring to Figure 2 will be described a specific example of the operation of the automatic response system (21).

First, the answering machine 21 and the payer's mobile phone 12 are connected to each other (S31).

In connection with step S31, the automatic answering system 21 may call the payer's mobile phone 12 to make a new call connection, and a call that is already connected with the payer's mobile phone 12 to the automatic answering system 21. It may be switched.

For example, assuming that an orderer calls a call center receiving a product order and orders the product, if the orderer and the payer are the same, the caller (same as the orderer) is switched to the automatic answering system 21 that is connected to the call center. It is possible to connect the mobile phone 12 and the answering machine 21 of the.

However, if the orderer and the payer are different, the automatic answering system 21 dials the payer's mobile phone 12 and attempts to connect a new call.

When the payer answers the call, the automatic answering system 21 voices information to help the user decide whether to agree to the payment of the purchase price of the product, for example, the orderer identification information, the purchase price of the product, and the type of the ordered product. The guide asks whether to agree to the payment of the purchase price of the product (S32).

For example, if the orderer is Kim Gap-dol, a minor child of the payer (parent), "Kim Gap-dol ordered a pizza worth 20,000 won. Please press it. " You will be guided to the voice memo.

If the payer does not agree according to the guidance in step S32 (S32-1), the code '2' is transmitted to the automatic answering system 21 (S33), and the automatic answering system 21 does not agree. Therefore, the connection with the payer mobile phone 12 is terminated (S33-1).

However, if the payer agrees according to the guidance in step S32 (S32-1), and if the code '1' is received by the answering machine 21 (S34), the answering machine 21 is the payer's mobile phone 12 In step S35, the payer inputs the personal authentication information by operating the key of the mobile phone 12 according to the request (S36).

Identity authentication information can be set in various ways as needed, one example is a social security number.

The automatic response system 21 transmits a confirmation message to the payer's mobile phone 12 that the self-authentication information is normally entered if the self-authentication information input by the payer is correct (S37) and the payer's mobile phone 12 The connection to the connection is terminated (S38).

At this time, the automatic response system 21 may receive a payment approval result from the payment approval processing unit 22 before terminating the connection with the payer mobile phone 12 and may guide whether or not the corresponding product order has been normally received.

The payment approval processing unit 22 transmits the mobile phone information of the payer, the purchase price of the product, the operator information of the order of the goods, and the personal authentication information input from the payer through the automatic response system 21 to the payment gateway 15. Request the mobile phone payment approval procedure to be performed with the mobile carrier and receive the response.

Mobile carrier information of the mobile phone information of the payer may be collected from the orderer and included in the payment approval request message, or may be collected from the payer through the automatic answering system 21.

In the latter case, the automatic answering system 21 prompts the payer to input the corresponding carrier information and receives the carrier information from the payer.

For example, you can say "Please select the mobile carrier that your phone is subscribed to. Press SK Telecom 1, LG Telecom 2, and Katie press 3."

In addition, the automatic answering system 21 may receive the code input from the mobile phone 12 of the payer according to the guidance to determine the mobile carrier information.

The payment gateway 15 refers to a system that handles approval processing of a mobile phone payment to a customer using each individual provider between each individual operator and a mobile carrier.

Referring to Figure 3, it will be described the process of the approval process of the mobile phone payment through the payment approval processing unit 22,

When the payment approval processing unit 22 transmits the information required for mobile phone payment to the payment gateway 15 to request the mobile phone payment approval procedure to be performed with the mobile carrier, the payment gateway 15 requests the mobile phone payment approval request. Send to the mobile carrier server 16 requests to approve the mobile phone payment.

The mobile telecommunication company server 16 checks whether the corresponding mobile number corresponds to its subscriber number and whether the corresponding purchase price of the product can be approved, and responds to the payment gateway 15 for approval.

Then, the payment gateway 15 transmits the response received from the mobile communication company server 16 to the payment approval processing unit 22.

In this case, the payment approval processing unit 22 may transmit the response received from the payment gateway 15 to another device requesting to perform a mobile phone payment approval procedure.

In addition, the payment approval processing unit 22 may transmit a response received from the payment gateway 15 to the automatic response system 21, the automatic response system 21 whether or not the order of the product is normally received by the payer. Can guide.

This process may be performed in the process in which the automatic response system 21 receives the settlement agreement of the purchase price of the product from the payer.

In general, since the payment approval process performed between the payment gateway 15 and the mobile communication company server 16 is very fast, the payment approval result may be notified to the payer immediately after step S37 of FIG.

If the information on whether the order of the product has been successfully received is provided when the automatic response system 21 receives the payment agreement of the purchase price of the product from the payer and the call connection with the payer's mobile phone 12 is already terminated, The automatic answering system 21 may call and guide the payer's mobile phone 12 again.

Referring to FIG. 4, the authentication processing system 20-1 for mobile phone payment may further include an order result guide unit 23.

The order result guide unit 23 serves to guide one or more of the orderer and the payer whether the order of the product is normally received according to the response that the payment approval processing unit 22 receives from the payment gateway 15. do.

The order result guide unit 23 may provide a variety of methods for guiding whether or not the order of the product is normally received. As a specific example, a text message may be sent to the orderer's telephone terminal 11 or the payer's mobile phone 12. The orderer's telephone terminal should be able to receive text messages.

5 shows another embodiment of the authentication processing system 20-2 for mobile phone payment according to the present invention, which includes a payment gateway 15 and an automatic response system 21.

Payment Gateway (PG: 15) refers to a system that handles mobile phone payment approval processing for customers using each individual operator between each individual operator and mobile carrier.

Specifically, the payment gateway 15 receives the payment approval request message from the device of the individual operator requesting the mobile phone payment approval, receives the payment agreement of the payer through the automatic answering system 21, and then communicates with the mobile communication company server 16. Will handle the authorization of the mobile payment.

The payment approval request message received from the device of the individual operator may be configured in various ways as necessary, and may include orderer identification information, payer's mobile phone information, product purchase amount, and individual operator information.

Here, the orderer identification information, the mobile phone information of the payer, and the purchase price of the product are information that can be used in the process of receiving the payment agreement of the payer, and the mobile phone information of the payer, the purchase price of the product, and the individual operator information are approved by the mobile carrier. Information that can be used to receive.

The orderer identification information is used to enable the payer to make a decision about whether to pay for the purchase price of the product. Various information may be used as the orderer identification information as necessary.

A specific example that can be used as orderer identification information is the name of the orderer.

In addition, all or part of the orderer's or biller's address, the orderer's or biller's nickname, orderer's phone number, order date, type and quantity of the ordered product, purchase price of the product, delivery address information, etc. can be used independently or together with other information. Can be used as. In this case, the information is also included in the payment approval request message.

An individual operator refers to a company that sells products to its customers, and the device of the individual operator that transmits the payment approval request message to the payment gateway 15 may be various types of devices. For example, a device of an individual operator may be a server 61-1 of a call center receiving a product order through a telephone call with an agent, or a web server 61-2 receiving a product order through a wired / wireless internet network. Can be.

The automatic answering system 21 is connected to the payer's mobile phone 12 to guide voice information such as orderer identification information or purchase price of the product to help the payer's decision making, and accepts the payer's payment and agrees to the payment. Receive a personal identification information from a payer.

A specific example related to the operation of the automatic answering system 21 is as described with reference to FIG. 2.

At this time, when there is a difference between the orderer who makes a product order and the payer who pays the purchase price of the product, the automatic answering system 21 calls the mobile phone 12 of the payer. Walk and play that role.

However, when the orderer and the payer are the same, and the orderer calls the call center using a mobile phone and orders the goods, the caller (same as the purchaser) is transferred by converting the call connected to the call center to the automatic answering system 21. The mobile phone 12 and the answering machine 21 may be connected.

The automatic answering system 21 transmits to the payment gateway 15 whether the payer has agreed to the payment of the purchase price of the product, and if the payer has agreed to the payment, the information for the personal authentication input from the payer is also the payment gateway. Deliver to (15).

Meanwhile, carrier information may be needed to identify to which carrier the payment gateway 15 should request the mobile phone payment approval.

That is, the mobile phone information of the payer may include a mobile phone number and mobile carrier information. The mobile phone number is collected from the orderer and transmitted by the individual service provider's devices 61-1 and 61-2 through the payment approval request message. However, the carrier information may be collected from the orderer and received through the payment approval request message. In addition, the automatic answering system 21 may receive the input from the payer and transfer it to the payment gateway 15.

The payment gateway 15 transmits a payment failure message to the device 61-1, 61-2 of the individual operator that sent the payment approval request message when the payment result of the automatic answering system 21 does not agree with the payment. do.

However, if the payer agrees to the payment, the purchase price of the product, the individual operator information, the personal authentication information and the mobile phone information inputted through the automatic response system are transmitted to the corresponding mobile carrier server 16. Request the payment approval of the mobile phone, and receives the approval result from the mobile communication company server 16 and transmits the result of the approval to the devices 61-1 and 61-2 of the individual operators.

In addition, the payment gateway 15 may transmit the approval result received from the mobile communication company server 16 to the automatic response system 21, and the automatic response system 21 may voice the approval result to the payer. .

The payment gateway 15 may combine the information on each payment approval request through the mobile phone information of the payer and transmit the information to the corresponding mobile communication company server.

That is, the payment gateway 15 collects the product purchase amount information, the identity authentication information, the payer's mobile phone information, the information of the individual operator, etc. for each payment approval request through the mobile phone information of the payer, and the mobile communication company server 16 ) Can be sent.

In order to help the understanding of the description, the entire process of making a mobile phone payment in the embodiment shown in FIG. 5 will be described.

Individual operators receive product orders through a call center or internet homepage.

For example, an orderer calls a call center using a telephone terminal 11 to place an order for a product, and when an agent inputs an order received from an orderer into an agent terminal, the call center server 61-1 sends a payment approval request message to a payment gateway. Transfer to (15).

When the order is made through the Internet homepage, the orderer accesses the Internet homepage using an Internet terminal 18 capable of using an Internet service such as a personal computer (PC) or a smartphone, and places the orderer's name and payment on the order page. Enter your mobile phone information, orderer's phone number, type and quantity of goods ordered, and delivery address. Then, the web server 61-2 operating the Internet homepage transmits a payment approval request message related to the order to the payment gateway 15.

When the payment gateway 15 receives the payment approval request message from the call center server 61-1 or the web server 61-2, the payment gateway 15 automatically receives information required to receive the payment agreement of the payer, such as orderer identification information or product purchase price. Transfer to the response system 21 to request the consent of the payer.

At this time, when the automatic answering system 21 needs to call the payer's mobile phone 12, the payer's mobile phone number is also delivered.

The automatic answering system 21 calls to the caller's identification information and the purchase price of the goods to the connected payer's mobile phone 12 by making a call transfer or making a new call to confirm whether the customer agrees to pay the purchase price of the product. Collect information for self-authentication from the payer who agreed to the payment.

The automatic answering system 21 then sends to the payment gateway 15 whether the payer has agreed to the payment.

If the payer agrees to the payment, the payment gateway 15 transfers the authentication information input from the payer together. In addition, when the carrier information to which the payer's mobile phone is subscribed is collected through the automatic answering system 15, the carrier information is also transmitted.

At this time, if the payer has agreed to the payment, the automatic response system 21 sends a notice to the payer's mobile phone 12 to wait for a while to process the payment procedure, and waits for the approval result from the payment gateway 15.

If the payment gateway does not agree with the payment, the payment gateway 15 transmits a payment failure message to the device 61-1, 61-2 of the individual operator that sent the payment approval request message, and processes the payment approval request. Ends.

However, if the payer has agreed to the payment, the payment gateway 15 should transmit the purchase price of the product for the corresponding payment approval request, individual service provider information, personal authentication information entered through the automatic response system, mobile phone information, etc. to the mobile carrier. The information is collected and transmitted to the mobile telecommunication company server 16 to request mobile phone payment approval.

The payment gateway 15 receives the approval result transmitted from the mobile communication company server 16 according to the mobile phone payment approval request, and transmits the received approval result to the automatic response system 21 and the device 61-1 of the individual operator. 61-2).

The automatic response system 21 guides the approval result received from the gibble gateway 15 to the mobile phone 12 of the payer who is currently connected, and the devices 61-1 and 61-2 of the individual operators according to the approval result. The follow-up procedure will be processed.

As such, payment can be made using a mobile phone not only when the orderer and the payer are the same, but also when the orderer and the payer are different. Protection can also be faithful.

6 illustrates an example of a system in which a mobile phone payment process is performed in accordance with the present invention in connection with the POS system 63.

In the present invention, the POS system refers to a computer system collectively located in the head office that manages individual stores or each chain store despite the prior meaning of point of sales (POS) to receive and manage product orders.

The POS system 63 may be configured in various ways except that the mobile phone payment processing is performed for each product order.

The route in which the product order information is input to the POS system 63 may exist in various ways depending on how the product order is received from the users.

As one example, when a product order is made through a call center, the POS system 63 may receive the product order information from the call center server 61-1.

That is, when the call center counselor makes a telephone call with the user and receives an order and inputs the order into the counselor terminal, the call center server 61-1 transmits the product order information to the POS system 63 through the communication network. Accordingly, the POS system 63 receives the product order information from the call center server 61-1.

As another example, when a product order is made through the Internet homepage, the POS system 63 may receive product order information from the web server 61-2.

In other words, the user who has access to the Internet homepage opened to order the product, the orderer must enter the orderer's name, biller's mobile phone information, orderer's phone number, the type and quantity of the ordered goods, and the delivery address. If the order is entered, the web server 61-2 operating the Internet homepage transmits the product order information related to the order to the POS system 63. Accordingly, the POS system 63 receives the product order information from the web server 61-2.

As another example, the manager or employee 61-3 may directly enter the product order information into the POS system 63 using an input device such as a keyboard.

That is, when a user visits a place where the POS system 63 is installed and makes an order, the manager or employee 61-3 may directly input the order into the POS system 63 using an input device such as a keyboard. .

POS system 63 is interlocked with automatic response system 65 to perform the mobile phone payment processing, product order information input module 63-1, payment approval processing module 63-2, order result notification module 63 -3) can be configured to include.

An automatic response service system (65) is a system that connects a call to a telephone terminal, guides specific information by voice according to a preset scenario, and also receives necessary information from the telephone terminal.

The product order information input module 63-1 performs a function of receiving product order information for each product order.

As described above, the product order information input module 63-1 may receive product order information through various paths such as a call center server 61-1, a web server 61-2, an administrator or an employee 61-3, and the like. Can be.

The product order information may be variously configured according to the nature of the product or the policy of the operator, and includes orderer identification information and a mobile phone information (mobile phone number and mobile carrier information) of the payer. At this time, the carrier information to which the payer's mobile phone is subscribed may be input from the payer.

The orderer identification information refers to information that enables the identification of who the orderer is. An example of the orderer identification information is the name of the orderer, but all or part of the orderer's or biller's address, the orderer's or biller's nickname, the orderer's phone number, the order date, the type and quantity of the ordered product, the purchase price of the product, and the destination information It may be used alone or in combination with other information as orderer identification information.

The orderer and the payer need not be the same, and the orderer can designate a person to pay the purchase price of the product instead. In this case, the mobile phone information of the payer included in the product order information becomes the mobile phone information of another person, not the orderer.

The payment approval processing module 63-2 interworks with the payment gateway 15 through various data communication networks, such as an internet network or a dedicated line, to receive a mobile phone payment approval for each product order.

The order result notification module 63-2 serves to guide whether one or more of the orderer and the payer is properly received.

7, an embodiment of a mobile phone payment processing method according to the present invention will be described.

The product order information input module 63-1 of the POS system requests the payer authentication for the corresponding product order to the automatic response system 65 when the product order information to be processed by the mobile phone is input (S71).

In response to the request in step S71, the automatic response system 65 voices the orderer identification information, the product purchase price, the type of the ordered goods, etc. with the payer mobile phone 12 to agree to the payment of the purchase price of the corresponding product. Check if In addition, the user receives information for authentication from the payer who has agreed to the payment of the purchase price of the corresponding product, and transmits it to the payment approval processing module 63-2 of the POS system (S72).

The identity authentication information received from the payer can be set in various ways as needed, one example is a social security number.

In addition, the automatic answering system 65 may receive the mobile carrier information of the mobile phone of the payer from the payer through step S72.

The payment approval processing module 63-2 of the POS system receives information necessary for mobile phone payment, such as mobile phone information of the payer (mobile phone number and mobile carrier information), product purchase amount, and personal authentication information received from the automatic response system 65. Sending to the payment gateway 15 requests that the mobile phone payment approval procedure to perform with the mobile carrier and receives the response (S73).

When a response is received from the payment gateway in step S73, the user is guided whether or not the order is normally received in response to one or more of the orderer's telephone terminal 11 and the payer's mobile phone 12 according to the response (S74).

How to inform the orderer and the payer of the matter in step S74 may be configured in various ways as necessary.

One example is voice guidance using an automatic answering system 65.

In this embodiment, the order result notification module 63-3 of the POS system requests the automatic response system 65 to inform the corresponding matter, and the automatic response system 65 according to the request requests the telephone terminal 11 of the orderer. ) Or the mobile phone 12 of the payer can be voiced whether or not the order of the product is normally received.

As another example, the order result notification module 63-3 of the POS system transmits a text message indicating whether the order of the corresponding product is normally received to the orderer's telephone terminal 11 or the payer's mobile phone 11. It may be configured to.

Referring to FIG. 8, an example of the overall process of ordering goods and making a mobile phone payment according to the mobile phone payment processing method according to the present invention will be described.

A user A, a minor, is out of his parents' home, and calls the call center using his home telephone (11) to make a pizza from the pizza restaurant M, and his / her name and parent's mobile phone number (010- 1234-5678), your home phone number (02-987-6543), your home address, and order a pizza for $ 20,000.

As the counselor inputs the order details, the call center server 61-1 transmits the product order information related to the order to the POS system 63.

As the product order information is received from the call center server 61-1, the POS system 63 requests the automatic response system 65 to perform the paymenter authentication for the corresponding product order.

The automatic answering system 65 connects the call to the mobile phone 12 having the number '010-1234-5678' and informs the user A that the user has ordered a pizza by voice, and confirms whether the user agrees to pay the purchase price of the product. do.

In addition, the automatic response system 65 receives the resident registration number from the payer who agreed to the payment of the purchase price of the product and transmits it to the POS system 63.

The POS system 63 pays information necessary for mobile phone payment such as the resident registration number of the payer received from the automatic answering system 65, mobile phone information (010-1234-5678 subscribed to SK Telecom), and the purchase price of the product (KRW 20,000). Send to the gateway 15 to request that the mobile phone payment authorization procedure to perform with the mobile carrier.

At this time, the mobile carrier information (SK Telecom) to which the payer's mobile phone is subscribed may be inputted from the user A when the user A, the orderer, places an order, and checks whether the purchaser agrees to pay the purchase price of the product. When you receive input from the payer.

The payment gateway 15 transmits a mobile phone payment approval request to the corresponding carrier server 16 to request the mobile phone payment to be approved. The carrier server 16 checks whether the corresponding mobile phone number corresponds to its subscriber number. Investigate whether or not the purchase price of the goods can be approved, and transmits a response indicating that the payment request is approved to the payment gateway (15).

The payment gateway 15 then forwards the response received from the mobile carrier server 16 to the POS system 63.

The POS system 63 requests the automatic response system 65 to notify the orderer and the payer that the product order has been successfully received, and the automatic response system 65 transmits the orderer's telephone terminal 11 or the payer's mobile phone ( 12) can be voiced to inform you that the order has been successfully received.

POS system 63 may now determine whether to accept User A's pizza order normally.

Therefore, the processing result of the order is stored in the database that manages the order information, or the order status displayed on the monitor screen indicates that the payment processing for the order is completed, or the POS system manages each pizza chain store. The system of the head office handles the follow-up procedure required according to the confirmation of the product order, such as delivering the product order information to the local pizza chain that will be in charge of pizza delivery.

In this way, minor A can take pizza with his parents' help even if he doesn't have cash in his hand.

It is to be understood that the present invention is not limited to the above-described embodiment, and various changes and modifications may be made by those skilled in the art without departing from the technical spirit of the present invention. to be.

11: purchaser's phone terminal 12: payer's mobile phone
15: Payment Gateway 16: Carrier Server
20-1,20-2: Authentication processing system for mobile phone payment
21,65: automatic response system 22: payment approval processing unit
23: Order Result Guide 61-1: Call Center Server
61-2: Web Server 61-3: Administrator
63: POS system 63-1: product order information input module
63-2: payment approval processing module 63-3: order result notification module

Claims (14)

Authentication for mobile phone payment, which enables the user to pay the purchase price of the product through the mobile payment method based on the identification information of the user (order) and the user's (payer) 's mobile phone information. In the processing system,
An automatic answering system connected with the mobile phone of the payer to guide the orderer identification information through a voice to confirm whether the user agrees to the payment of the purchase price of the product, and to receive the user authentication information from the payer; And
Sending the mobile phone information of the payer, the purchase price of the product, and the personal authentication information inputted through the automatic answering system to the payment gateway, requesting the mobile phone provider to approve the mobile phone payment, and receiving the response. Authentication processing system for mobile phone payment including a payment approval processing unit. The method of claim 1,
The mobile phone information of the payer includes a mobile phone number and carrier information,
The mobile carrier information is collected when ordering goods from the orderer, or the authentication processing system for mobile phone payment, characterized in that input from the payer through the automatic answering system. The method of claim 1,
The automatic response system is an authentication processing system for mobile phone payment, characterized in that the voice prompts whether or not the product order has been normally received to the payer in accordance with the response received from the payment gateway through the payment approval processing unit. The method of claim 1,
And an order result guide unit for guiding whether or not the product order is normally received to at least one of the telephone terminal of the purchaser and the mobile phone of the payer according to the response received from the payment gateway through the payment approval processing unit. Processing system for mobile phone payment. The method of claim 4, wherein
The order result guide unit transmits a text message indicating whether or not a corresponding product order has been normally received by using one or more of the orderer's telephone terminal and the payer's mobile phone as a destination. . The method of claim 1,
The orderer identification information includes the name of the orderer authentication processing system for a mobile phone payment. A payment gateway for receiving a payment approval request message including an orderer identification information, a payer's mobile phone information, a product purchase amount, and an individual service provider information from a device of an individual operator requesting a mobile phone payment approval; And
It is connected to the mobile phone of the payer, the orderer identification information through the voice to confirm whether to agree to pay the purchase price of the product, and includes an automatic response system for receiving the identity information from the payer,
The payment gateway, when the checker agrees to the payment as a result of the automatic answering system, sends the purchase price of the product, the individual operator information, the personal identification information, and the mobile phone number of the payer to the mobile carrier server. Requesting the approval of the mobile payment by transmitting and transmitting the approval result to the device of the individual operator. The method of claim 7, wherein
The mobile phone information of the payer includes a mobile phone number and carrier information,
The mobile carrier information is received from the device of the individual operator, or input from the payer through the automatic answering system authentication processing system for mobile phone payment. The method of claim 7, wherein
The payment gateway is the authentication processing system for mobile phone payment, characterized in that for transmitting the information on the payment approval request case by the mobile phone information of the payer to the mobile communication server. The method of claim 7, wherein
The automatic answering system is an authentication processing system for mobile phone payment, characterized in that the payment gateway to the voice of the approval result received from the mobile communication server server. If the POS system inputs the product order information including the orderer identification information and the mobile phone information of the payer, requesting the payer authentication to the automatic response system;
The automatic answering system dials the mobile phone of the payer and guides the orderer identification information through voice to confirm whether the user agrees to pay the purchase price of the product, and receives the personal identification information from the payer and delivers it to the POS system. ;
Requesting, by the POS system, the mobile phone information of the payer, the purchase price information of the product, and the personal authentication information received from the automatic answering system to the payment gateway to receive the mobile phone payment approval, and receiving a response; And
And guiding whether one or more of the orderer's telephone terminal and the payer's mobile phone are normally received according to the response received from the payment gateway. The method of claim 11,
And the POS system receives the product order information from at least one of a call center server and a web server operating an internet homepage for product order. The method of claim 11,
The POS system is a mobile phone payment processing method characterized in that for receiving the product order information from the administrator via a keyboard. The method of claim 11,
Mobile phone payment processing method characterized in that the guidance on whether or not the product order was successfully received is made in the form of a voice or a text message through the automatic answering system.

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