KR20060008098A - Mobile payment trigger system using a mobile phone - Google Patents

Abstract

The present invention relates to a wireless payment system using a mobile communication terminal, receives payment request information for a customer requesting a product purchase from a merchant terminal, transmits the payment doctor confirmation request information to the mobile communication terminal of the corresponding customer, and moves the corresponding customer. The customer card number corresponding to the mobile phone number of the customer is searched according to the payment intention confirmation information received from the communication terminal, and the payment is made by requesting the card company server to make a payment from the customer card corresponding to the retrieved customer card number. By doing so, it is possible to secure the transaction by making payment at the time of transaction between the customer and the affiliated store without exposing the card number at a long distance.

Payment, card number, account number

Description

Wireless payment system using a mobile communication terminal {Mobile Payment Trigger System using a mobile phone}

1 is a schematic diagram of a wireless payment system using a mobile communication terminal according to the present invention

2 is a block diagram showing the configuration of an embodiment of a payment management server of a wireless payment system using a mobile communication terminal according to the present invention;

3 is a flowchart illustrating an operation of a payment management server of a wireless payment system using a mobile communication terminal shown in FIG.

4 is a block diagram showing the configuration of another embodiment of a payment management server of a wireless payment system using a mobile communication terminal according to the present invention;

5 is a flowchart illustrating an operation of a payment management server of a wireless payment system using the mobile communication terminal shown in FIG.

6 is a block diagram showing the configuration of an embodiment of an affiliated store terminal of a wireless payment system using a mobile communication terminal according to the present invention;

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

100: payment management server 110, 1010: payment request information receiving unit

120, 1020: payment request confirmation unit 130, 1040: card payment processing unit

140, 1060: payment processing result information transmitter

150, 1090: member management unit 160, 1100: member authentication unit

200: merchant terminal 210: input unit

220: communication unit 230: display unit

240 control unit 250 card reader unit

260: printer unit 300: mobile communication terminal

400: card company server 500: financial company server

1030: payment method selection unit 1050: mileage payment processing unit

1070: Mileage earning unit 1080: Mileage settlement unit

1110: Mileage Information Search Department

The present invention relates to a wireless payment system using a mobile communication terminal, and more particularly relates to a payment technology that does not worry that the customer's card number is exposed to the merchant.

In general, when a customer purchases a product at a merchant, the customer directly visits the merchant to purchase the product and presents the card to the merchant, the card information of the customer is read using the merchant terminal installed at the merchant, and the card information, merchant information and payment The amount information is sent to the card company server and payment is processed.

On the other hand, during online purchase, when a customer accesses a merchant site that provides product information, browses the product and selects a product to purchase, the merchant site provides a payment window for payment to the user's computer to provide the card number and password from the customer. Receive the input to process the payment.

However, these conventional payment methods have a problem that the card number of the customer is exposed to the merchant.

Therefore, the present inventors do not need to visit the merchant, so it is applicable when the customer orders goods to the merchant by telephone in a situation where the customer and the merchant is difficult to meet spatially, the customer's securely stored in a reliable payment management server The card number is used to make payments when transactions are made between customers and merchants without exposing the card number, and the safety is very excellent. Furthermore, the study on the wireless payment system using a mobile communication terminal that enables integrated management of small stores using mileage is carried out. Was done.

The present invention has been invented under the above-mentioned purpose, wireless payment using a mobile communication terminal that enables payment during the transaction between the customer and the merchant without exposing the card number using the card number of the customer securely stored in a reliable payment management server Its purpose is to provide a system.

Another object of the present invention is to provide a wireless payment system using a mobile communication terminal to earn mileage points for each customer according to the mileage accrual points contracted by each merchant at the time of payment processing, and to make payment using the accumulated mileage points. It is.

According to an aspect of the present invention for achieving the above object, the wireless payment system using a mobile communication terminal according to the present invention receives the payment request information for the customer requesting a product purchase from the merchant terminal to the mobile communication terminal of the customer Send the payment doctor confirmation request information, search for the customer card number corresponding to the mobile phone number of the customer according to the payment doctor confirmation information received from the mobile terminal of the customer, and the customer linked with the retrieved customer card number It is characterized in that the payment is made to the card company server so that the payment amount is transferred from the account number to the merchant account number.

Therefore, payment is possible at the time of transaction between the customer and the merchant without exposing the card number, and the safety is very excellent.

On the other hand, according to an additional aspect of the present invention, by receiving payment request information for a customer requesting a product purchase from the merchant terminal, transmits the payment doctor confirmation request information to the mobile communication terminal of the customer, payment from the mobile communication terminal of the customer When confirming the intention, the payment method selection request information is transmitted to the mobile communication terminal of the corresponding customer, and when the payment method selection information received from the mobile communication terminal of the customer is the card payment, Search the number and request the card company server to transfer the payment amount from the customer account number associated with the retrieved customer card number to the merchant account number, and if the payment method selection information received from the customer's mobile terminal is mileage payment, the customer Corresponding to the mobile telephone number of It is characterized in that the payment is processed by subtracting the payment amount from the searched mileage points by searching the mileage points.

Therefore, it is possible to improve customer service by providing customer compensation for transactions using mileage points and paying using mileage points to enable integrated management of small stores, and further increase repurchase rate. .

Hereinafter, the present invention will be described in detail with reference to the accompanying drawings so that those skilled in the art can easily understand and reproduce the present invention.

1 is a schematic diagram of a wireless payment system using a mobile communication terminal according to the present invention.

As shown in the figure, the wireless payment system using a mobile communication terminal according to the present invention, the payment management server 100, merchant terminal 200, customer mobile communication terminal 300, card company server 400 and And a financial institution server 500.

The payment management server 100 is a trusted institution or operator that securely stores customer card numbers without exposing them, and processes payments for transactions between customers and merchants using customer card numbers not exposed to merchants.

The merchant terminal 200 requests payment for a transaction between the customer and the affiliate store to the payment management server 100 according to a customer's product purchase request, and delivers the product purchased by the customer according to the payment approval result. do.

The customer mobile communication terminal 300 checks the payment intention of the transaction between the customer and the affiliate store in response to a request from the payment management server 100.

The card company server 400 performs card payment according to a request from the payment management server 100.

The financial company server 500 transfers the payment amount from the server account to the merchant account in response to a request from the payment management server 100 at the time of payment using the mileage point.

2 and 3, a more specific configuration of a wireless payment system using a mobile communication terminal according to the present invention will be described.

2 is a block diagram showing an embodiment of a payment management server of a wireless payment system using a mobile communication terminal according to the present invention.

As shown in the figure, the payment management server 100 of the wireless payment system using a mobile communication terminal according to the present invention, the payment request information receiving unit 110, the payment doctor confirmation request unit 120, and the card payment processing unit ( 130, and a payment management server execution module including a payment processing result information transmitting unit 140. The payment management server execution module exists in the form of software executed in the payment management server 100.

The payment request information receiving unit 110 receives affiliated store identification information, payment request information including a mobile phone terminal number and a payment amount of a customer from the affiliated store terminal 200. For example, suppose that a customer orders a product from a merchant in a situation where it is difficult for the customer to visit the merchant. First, when a customer requests a merchant to purchase a product by using a phone, the merchant executes an affiliated store terminal execution module that exists in the form of software executable on the affiliated store terminal 200 to execute the customer's mobile communication terminal telephone number and payment amount. Enter it. Then, the affiliated store terminal execution module transmits the affiliated store identification information, payment request information including the customer's mobile terminal number and payment amount to the payment management server 100, and the payment management server 100 This is received through the payment request information receiving unit 110.

The payment doctor confirmation request unit 120 transmits payment doctor confirmation request information including merchant information and payment amount to the mobile communication terminal phone number of the customer included in the payment request information, and the mobile communication terminal 300 of the corresponding customer. Receive confirmation of payment intention from). That is, when the payment request information is received from the affiliated store terminal 200 by the payment request information receiving unit 110, the payment management server execution module checks the payment doctor confirmation request unit 120 to confirm whether the transaction is a request made by the customer. ) Sends the payment doctor confirmation request information including the merchant information and the payment amount to the mobile communication terminal phone number of the customer included in the payment request information. At this time, the payment doctor confirmation request unit 120 preferably transmits the payment doctor confirmation request information to the mobile communication terminal of the customer by a short message service (SMS) method. At this time, by sending the WAP page access information for confirming the payment intention including the payment doctor confirmation request information, the customer who reads it accesses the WAP page through his mobile terminal to make a payment intention. It can also be implemented to verify.

Then, the customer views the payment doctor confirmation request information sent from the payment management server execution module through his customer mobile terminal 300, and selects whether the payment request for the product purchase requested by him or her is correct or incorrect. The payment intention confirmation information is transmitted to the payment management server execution module. Then, the payment doctor confirmation request unit 120 of the payment management server execution module receives the payment doctor confirmation information transmitted from the mobile communication terminal 300 of the customer. At this time, a user interface (UI) for the customer to select whether the payment request for the product purchase is correct or wrong through the mobile communication terminal 300 of the customer mobile communication by the payment management server 100 Provided to the terminal 300, the payment doctor confirmation information preferably further includes a password authentication for the customer card number stored in the reliable payment management server 100. Password authentication for such a customer card number prevents card theft by a malicious user.

On the other hand, the WAP page access information for confirming the payment intention, or the password input when the password authentication for the customer card number is preferably encrypted by using a public key infrastructure (PKI) method to prevent its leakage. . In the public key infrastructure (PKI) method, the encrypted transmission is performed by encrypting the data using the public key of the receiving side, and the receiving side decrypts it with its own private key. Done. That is, the WAP page access information is encrypted and transmitted by the payment management server 100 using the public key of the customer mobile communication terminal 300, and the customer mobile communication terminal 300 receiving the WAP page accesses it with its own private key. Decrypt The password for the customer card number is encrypted and transmitted to the public key of the payment management server 100 by the customer mobile communication terminal 300, and the payment management server 100 receiving the decrypted it with its own private key.

The card payment processing unit 130, if the payment doctor confirmation information received by the payment doctor confirmation request unit 120 is the information to allow the payment, the customer card number corresponding to the mobile phone number of the customer and the Search the merchant account number corresponding to the merchant identification information from the database, and send payment request information including the retrieved customer card number, merchant account number and payment amount to the card company server 400 to request card payment, card company The server 400 receives payment approval result information thereof.

If the customer transmits information allowing the payment to the payment intention confirmation information, the payment management server execution module is the card payment processing unit 130 to enable the payment for the transaction between the customer and the merchant without exposing the card number. The customer card number corresponding to the mobile phone number of the customer and the merchant account number corresponding to the merchant identification information are searched through the database, and the corresponding customer card number, merchant account number and payment amount are included. The payment request information is transmitted to the card company server (400). Then, the card company server 400 processes the payment amount from the customer card corresponding to the customer card number according to the payment request information, and transmits the payment approval result information to the payment management server 100. On the other hand, if the payment doctor confirmation information received by the payment doctor confirmation request unit 120 is information that does not allow payment, the payment management server execution module ends the payment process for the product purchase.

At this time, the payment processing of the card company server 400 for the customer card includes credit card payment and debit card payment. In the case of credit card payment, the card company server 400 prepays the payment to the merchant account, and post-pays the payment amount to the credit card customers in the following month. In the case of debit card payment, the card company server 400 Is a method of transferring a payment amount from a customer account linked to a debit card to a merchant account.

The payment processing result information transmitting unit 140 transmits the payment processing result information processed by the card payment processing unit 130 to the corresponding merchant terminal.

That is, when the transfer of the account between the customer and the merchant is successfully performed by the card company server 400 and the card company server 400 transmits the payment approval result information to the payment management server 100, the payment management server 100 receives the payment. ) Transmits the payment approval result information to the affiliated store terminal 200 through the payment approval result information transmitter 140 to notify that the payment is completed. The merchant receiving the payment approval result information delivers the goods purchased by the customer.

An operation effect of the wireless payment system using the mobile communication terminal shown in FIG. 2 will be described with reference to FIG. 3. 3 is a flowchart illustrating an operation of a payment management server of a wireless payment system using the mobile communication terminal shown in FIG. 2.

For example, suppose that a customer orders an item from a merchant and is delivered via telephone order. First, in step S110, the customer requests a purchase of a product using a telephone or the like at a merchant.

Then, the merchant receiving the phone order receives the customer's mobile communication terminal phone number and payment amount through the merchant terminal 200 in step S120, the payment request information to the payment management server 100, including the merchant identification information therein Request payment by sending

Next, the payment management server 100 receiving the payment request information from the affiliated store terminal 200 sends the payment doctor confirmation request information to the mobile communication terminal phone number of the customer in order to check whether the transaction is legally requested by the customer in step S130. send.

Then, the customer receiving the payment doctor confirmation request information from the payment management server 100 reads the payment doctor confirmation request information through the mobile communication terminal 300 of the customer in step S140 and the payment doctor confirmation information payment management server Send to 100.

Then, the payment management server 100 receiving the payment doctor confirmation information, if the payment doctor confirmation is approved in step S150 customer card number corresponding to the mobile phone number of the customer and the merchant account corresponding to the merchant identification information The number is retrieved from the database, and the payment request information including the retrieved customer card number, the merchant account number, and the payment amount is transmitted to the card company server 400 to request payment processing.

Next, the card company server 400 receiving the payment request information from the payment management server 100 processes the payment amount from the customer card corresponding to the corresponding customer card number in step S160, the payment management server 100 You will be notified of the payment approval result.

Then, the payment management server 100 receives the notification of the payment approval result to the affiliated store terminal 200 in step S170.

Finally, the merchant receiving the payment approval result from the payment management server 100 delivers the purchased goods to the customer in step S180.

Therefore, in the wireless payment system using the mobile communication terminal according to this embodiment, when a customer purchases a product through a telephone order or the like in a situation where it is difficult for the customer to visit the merchant, the card number of the customer is Since it is not exposed to the affiliated store, the customer has the advantage of enabling safer transactions.

Meanwhile, according to an additional aspect of the present invention, the payment management server 100 may further include a member manager 150 and a member authentication unit 160.

The member manager 150 receives member registration / change application information from the customer and the merchant terminal, processes member registration / change through this member registration / change process, and stores / updates the member information in the database. .

The member authentication unit 160 is a customer and affiliated store registered with reference to the database from the mobile phone terminal number and affiliated store identification information of the customer included in the payment request information received by the payment request information receiving unit 110. Authenticate.

That is, this configuration is a configuration for the membership service to the payment service provided by the wireless payment system using the mobile communication terminal according to the present invention, through the member management unit 150 through the member management including membership registration and change When the payment request is made, the member authentication unit 160 to process the customer and merchant authentication. Regarding the member registration / change and member authentication, since it is a common technique that is already known and implemented in various ways before this application, a detailed description thereof will be omitted.

On the other hand, according to an additional aspect of the present invention, the wireless payment system using the mobile communication terminal according to the present invention according to the customer's purchase request to the payment management server affiliated store identification information, the customer's mobile terminal terminal number and payment The affiliated store terminal 200 may further transmit payment request information including an amount to the payment management server 100 and receive payment approval result information from the payment management server 100.

As illustrated in FIG. 6, the affiliated store terminal 200 includes: an input unit 210 for user input; A communication unit 220 for communicating with the payment management server 100; A display unit 230 for outputting a screen; It includes a control unit 240 for controlling the entire merchant terminal device, executing the merchant terminal execution module installed in the merchant terminal in the form of software to perform a payment processing task, and additionally receives card information from the customer card It includes a card reader unit 250 for reading and a printer unit 260 for receipt output.

At this time, it is preferable that the affiliated store terminal 200 periodically connects to the payment management server 100 through the communication unit 200. The reason is that when the merchant terminal 200 requests a payment for a product ordered by a customer to the payment management server 100, the payment management server 100 sends a payment doctor confirmation request to the corresponding mobile communication terminal 200. This is because when the customer terminal 200 is continuously connected to the payment management server 100 because it is impossible to know when a customer response is made. Therefore, it is preferable that the affiliated store terminal 200 manages the payment request details for each customer and periodically checks whether the payment approval is made for the customer by accessing the payment management server 100.

The affiliated store terminal 200 is a mobile phone terminal number and payment amount of the customer through the input unit 210 when the customer purchased the product through a telephone order without visiting the affiliated store under the control of the control unit 240 When the customer visits the merchant and purchases the product, the card reader unit 250 reads the card information from the customer card and simultaneously inputs the payment amount through the input unit 210 to request the payment. . Then, the merchant terminal 200 transmits the identification information of the affiliated store, payment request information including the card number and the payment amount of the customer to the payment management server 100 through the communication unit 220, the payment management later The payment approval result information is received from the server 100. Meanwhile, the affiliated store terminal 200 outputs various screens through the display unit 230 under the control of the controller 240, and outputs a receipt upon receipt of payment approval result information through the printer unit 260.

On the other hand, according to an additional aspect of the present invention, the wireless payment system using a mobile communication terminal according to the present invention receives payment intention confirmation request information from the payment management server 100, payment settlement confirmation information for the transaction payment It may further include a customer mobile communication terminal 300 to transmit to the management server (100). That is, the customer mobile communication terminal 300 displays the payment doctor confirmation request information received from the payment management server 100 so that the customer can read it, and the user interface for inputting the payment doctor confirmation information (UI: User interface) receives payment doctor confirmation information from the customer and transmits it to the payment management server 100. For example, the payment doctor confirmation information may be a password input for the customer card possessed by the customer.

Therefore, the wireless payment system using a mobile communication terminal according to the present invention card number using the customer's card number securely stored in the reliable payment management server when the customer purchases the product through a telephone order that the customer can not visit the merchant to purchase the product The transaction safety is very excellent by enabling payment at the time of transaction between the customer and the merchant without exposing.

4 is a block diagram showing the configuration of another embodiment of a payment management server of a wireless payment system using a mobile communication terminal according to the present invention.

As shown in the figure, the payment management server 100 of the wireless payment system using a mobile communication terminal according to this embodiment, the payment request information receiving unit 1010, payment doctor confirmation request unit 1020, and payment method selection A unit 1030, a card payment processing unit 1040, a mileage payment processing unit 1050, and a payment processing result information transmitting unit 1060 are included.

The payment request information receiving unit 1010 receives affiliated store identification information, payment request information including a mobile phone terminal number and a payment amount of a customer from the affiliated store terminal 200. For example, suppose that a customer orders a product from a merchant in a situation where it is difficult for the customer to visit the merchant. First, when a customer requests a merchant to purchase a product by using a phone, the merchant executes an affiliated store terminal execution module that exists in the form of software executable on the affiliated store terminal 200 to execute the customer's mobile communication terminal telephone number and payment amount. Enter it. Then, the affiliated store terminal execution module transmits the affiliated store identification information, payment request information including the customer's mobile terminal number and payment amount to the payment management server 100, and the payment management server 100 The payment request information receiving unit 1010 receives this.

The payment doctor confirmation request unit 1020 transmits the payment doctor confirmation request information including the merchant information and the payment amount to the mobile communication terminal phone number of the customer included in the payment request information, and the mobile communication terminal 300 of the corresponding customer. Receive confirmation of payment intention from). That is, when the payment request information is received from the affiliated store terminal 200 by the payment request information receiving unit 1010, the payment management server execution module checks the payment doctor confirmation request unit 1020 to check whether the transaction is a request made by the customer. ) Sends the payment doctor confirmation request information including the merchant information and the payment amount to the mobile communication terminal phone number of the customer included in the payment request information. At this time, the payment doctor confirmation request unit 1020 preferably transmits the payment doctor confirmation request information to the mobile communication terminal of the customer in a short message service (SMS) method. At this time, by sending the WAP page access information for confirming the payment intention including the payment doctor confirmation request information, the customer who reads it accesses the WAP page through his mobile terminal to make a payment intention. It can also be implemented to verify.

Then, the customer views the payment doctor confirmation request information transmitted from the payment management server execution module through his customer mobile communication terminal 300, and selects whether the payment request for the product purchase requested by the customer is correct or incorrect. The payment intention confirmation information is transmitted to the payment management server execution module. Then, the payment intention confirmation request unit 1020 of the payment management server execution module receives the payment intention confirmation information transmitted from the mobile communication terminal 300 of the customer. At this time, the user interface (UI) for the customer to select whether the payment request for the purchase of goods through the mobile communication terminal 300 is correct or incorrect by the payment management server 100 by the customer mobile communication terminal Provided to 300, the payment doctor confirmation information preferably further includes a password authentication for the customer card number stored in the reliable payment management server 100. Password authentication for such a customer card number prevents card theft by a malicious user.

On the other hand, the WAP page access information for confirming the payment intention, or the password input when the password authentication for the customer card number is preferably encrypted by using a public key infrastructure (PKI) method to prevent its leakage. . In the public key infrastructure (PKI) method, the encrypted transmission is performed by encrypting the data using the public key of the receiving side, and the receiving side decrypts it with its own private key. Done. That is, the WAP page access information is encrypted and transmitted by the payment management server 100 using the public key of the customer mobile communication terminal 300, and the customer mobile communication terminal 300 receiving the WAP page accesses it with its own private key. Decrypt The password for the customer card number is encrypted and transmitted to the public key of the payment management server 100 by the customer mobile communication terminal 300, and the payment management server 100 receiving the decrypted it with its own private key.

The payment method selection unit 1030, if the payment doctor confirmation information received by the payment doctor confirmation request unit 1020 is the information to permit the payment, the card payment or mileage payment to the mobile phone terminal number of the corresponding customer The payment method selection request information for the selection is transmitted, and the payment method selection information is received from the mobile communication terminal 300 of the customer. At this time, the payment method selection unit 1030 preferably transmits the payment method selection request information to the mobile communication terminal 300 of the customer by a short message service (SMS) method.

That is, when payment intention confirmation information for allowing payment is received from the mobile terminal 300 of the customer, the payment management server 100 makes a payment for selecting a card payment or mileage payment through a payment method selector 1030. The method selection request information is transmitted to the mobile communication terminal of the corresponding customer through a short message service (SMS), wherein the payment method selection request information includes a WAP page access information for selecting a payment method. The read customer accesses the WAP page through his mobile terminal and selects a payment method. On the other hand, if the payment doctor confirmation information received by the payment doctor confirmation request unit 1020 is the information for disallowing payment, the payment management server execution module terminates the payment process for the product purchase.

On the other hand, it is preferable to prevent the leakage of the WAP page access information for selecting a payment method by being encrypted and transmitted in a public key infrastructure (PKI) method. In the public key infrastructure (PKI) method, the encrypted transmission is performed by encrypting the data using the public key of the receiving side, and the receiving side decrypts it with its own private key. Done. That is, the WAP page access information is encrypted and transmitted by the payment management server 100 using the public key of the customer mobile communication terminal 300, and the customer mobile communication terminal 300 receiving the WAP page accesses it with its own private key. Decrypt

If the payment method selection information received by the payment method selection unit 1030 is card payment, the card payment processing unit 1040 stores the customer card number and the affiliated store identification information corresponding to the mobile communication terminal telephone number of the corresponding customer. Search by referring to the base, the card company server 400 to send the payment request information, including the searched customer card number, merchant account number and payment amount to the card company server 400 to process the payment amount from the customer card number Request from the card company server 400, and receives the payment approval result information thereof.

If the customer selects the card payment as a payment method, the payment management server execution module performs the payment of the corresponding customer through the card payment processing unit 1040 to enable payment for the transaction between the customer and the merchant without exposing the card number. The customer card number corresponding to the mobile communication terminal phone number and the merchant account number corresponding to the affiliated store identification information are searched with reference to a database, and the payment request information including the corresponding customer card number, the merchant account number and the payment amount is retrieved. Transfer to the card company server (400). Then, the card company server 400 processes the payment amount from the customer card number according to the payment request information, and transmits the payment approval result information to the payment management server 100.

At this time, the payment processing of the card company server 400 for the customer card includes a credit card payment and debit card payment. In the case of credit card payment, the card company server 400 prepays the payment to the merchant account, and post-pays the payment amount to the credit card customers in the following month. In the case of debit card payment, the card company server 400 Is a method of transferring a payment amount from a customer account linked to a debit card to a merchant account.

When the payment method selection information received by the payment method selection unit 1030 is mileage payment, the mileage payment processing unit 1050 searches for mileage information corresponding to the mobile phone terminal number of the corresponding customer from a database. The customer's mileage point is renewed by subtracting the point corresponding to the payment amount from the customer's current mileage point.

If the customer selects the mileage payment as a payment method, the payment management server execution module searches the mileage information corresponding to the mobile phone terminal number of the corresponding customer through the mileage payment processing unit 1050 from the database and retrieves the corresponding mileage information. By subtracting the point corresponding to the payment amount from the customer's current mileage point and renewing the mileage point of the customer, the transaction for the transaction between the customer and the merchant is processed.

The payment processing result information transmitting unit 1060 transmits the payment processing result information processed by the card payment processing unit 1040 or the mileage payment processing unit 1050 to the affiliated store terminal 200. That is, the card payment processing unit 1040 has successfully performed a bank account transfer request between the customer and the merchant to receive payment approval result information from the card company server 400, or the mileage payment processing by the mileage payment processing unit 1050 is successful. If performed as, the payment management server 100 transmits the payment processing result information to the merchant terminal 200 to notify that the payment is completed. The merchant then processes the product purchased by the customer.

An operation effect of the wireless payment system using the mobile communication terminal shown in FIG. 4 will be described with reference to FIG. 5. FIG. 5 is a flowchart illustrating an operation of a payment management server of a wireless payment system using the mobile communication terminal shown in FIG. 4.

For example, suppose that a customer orders an item from a merchant and is delivered via telephone order. First, in step S210, the customer requests a product purchase by using a telephone or the like at the affiliated store.

Then, the merchant receiving the phone order receives the customer's mobile communication terminal phone number and payment amount through the merchant terminal 200 in step S220, and the payment request information to the payment management server 100, including the merchant identification information thereto. Request payment by sending

Next, the payment management server 100 receiving the payment request information from the affiliated store terminal 200 sends the payment doctor confirmation request information to the mobile communication terminal phone number of the customer in order to check whether the transaction is legally requested by the customer in step S230. send.

Next, the customer receiving the payment doctor confirmation request information from the payment management server 100 reads the payment doctor confirmation request information through the mobile communication terminal 300 of the customer in step S240 and the payment doctor confirmation information payment management server Send to 100.

Then, the payment management server 100 receives the payment doctor confirmation information, the payment method selection request for receiving the card payment or mileage payment to the customer's mobile terminal 300 when the payment doctor confirmation is approved in step S250 Send the information.

The customer who has received the payment method selection request information from the payment management server 100 transmits the payment method selection information to the payment management server 100 in step S260.

If the payment method selection information received from the mobile communication terminal 300 of the customer is card payment, the payment management server 100 corresponds to the customer card number and the corresponding mobile phone terminal number of the customer in step S270a. Search the merchant account number corresponding to the merchant identification information from the database, and send payment request information including the retrieved customer card number, merchant account number and payment amount to the card company server 400 to request payment processing, and The received card company server 400 processes the payment amount from the customer card number in step S280a, and notifies the payment management server 100 of the payment approval result.

If the payment method selection information received from the mobile communication terminal 300 of the customer is mileage payment, the payment management server 100 stores the mileage information corresponding to the mobile communication terminal phone number of the customer in step S270b. Search for and update the mileage point of the customer by subtracting the point corresponding to the payment amount from the current mileage point of the searched customer to process payment for the transaction between the customer and the affiliated store.

Next, the payment management server 100 transmits the payment processing result information for the card payment processing or the mileage payment processing to the corresponding affiliated store terminal 200 in step S290.

Finally, the merchant receiving the payment processing result information that the payment was successfully made from the payment management server 100 delivers the purchased goods to the customer in step S300.

Therefore, the wireless payment system using the mobile communication terminal according to this embodiment is implemented to provide the card payment and mileage payment at the same time when the customer purchases the product through a telephone order in a situation that the customer is difficult to visit the merchant, card payment Customer's card number is not exposed to merchants, so customers can trade more securely, and in case of mileage payment, customers can use mileage points provided to customers, but improve customer service by managing the mileage generated by small stores It can also increase the repurchase rate.

Meanwhile, according to an additional aspect of the present invention, it is preferable that the payment management server 100 further includes a mileage accumulator 1070.

The mileage accumulating unit 1070 updates the mileage points of each customer stored in the database by accumulating mileage points for each customer according to the mileage accumulation points contracted for each affiliated store. That is, as a customer purchases a product through affiliates affiliated with the payment management server 100, mileage points are accumulated as part of customer compensation, and the accumulated mileage points are all associated with the payment management server 100. Available at merchants. At this time, the payment method selection unit 1030 searches the database to detect whether the current mileage points of the customer is more than the payment amount, and if more than if you want to pay using the current mileage points accumulated, using a card The payment method selection request information about whether to pay is transmitted to the mobile communication terminal 300 of the customer, and if the mileage payment is selected as the payment method from the mobile communication terminal 300 of the customer by the mileage accumulation unit 1070 Payment will be made using the accumulated customer's mileage points.

Meanwhile, according to an additional aspect of the present invention, the mileage payment processing unit 1050 transmits payment request information including a server account number, a merchant account number, and a payment amount to the financial company server 500, and the affiliate store from the server account number. It is possible to request that the payment amount is transferred to the account number, and to receive the payment approval result information for this from the financial institution server. That is, in this case, when the customer is required to deposit the payment amount to the merchant at the time of mileage payment, when the customer selects a mileage payment method, the mileage payment processing unit 1050 subtracts the payment amount from the mileage points held by the customer. Then, the bank asks the financial institution server 500 to transfer the payment amount from the server account number to the merchant account number so that the merchant receives the mileage payment immediately.

Meanwhile, according to an additional aspect of the present disclosure, the payment management server 100 may further include a mileage settlement unit 1080.

The mileage settlement unit 1080 manages the mileage payment details processed by the mileage payment processing unit 1050 for each merchant for a certain period, and for every predetermined period from the server account number to each merchant account number for every predetermined period. The financial institution server 500 requests the transfer of the sum of the sums. That is, in this case, the mileage settlement processing unit 1050 is the mileage settlement processing unit 1050 when the mileage payment processing unit 1050 receives a payment amount for mileage payment processing for each month at a predetermined cycle, for example, one month period during mileage payment. Manage the mileage payment details processed by each point for a certain period of time, and request the financial institution server 500 to transfer the sum of payments for each predetermined period from the server account number to each merchant account number for each fixed period. By doing so, the affiliated store can settle the payment amount for each predetermined period.

Meanwhile, according to an additional aspect of the present invention, the payment management server 100 may further include a member manager 1090, a member authentication unit 1100, and a mileage information inquiry unit 1110.

The member manager 1090 receives member registration / change application information from the customer and the merchant terminal, processes member registration / change through this member registration / change process, and stores / updates the member information in the database. .

The member authentication unit 1100 is a customer and an affiliated store registered with reference to the database from a mobile phone terminal number and affiliated store identification information of a customer included in the payment request information received by the payment request information receiving unit 1010. Authenticate.

The mileage information inquiry unit 1110 provides mileage information corresponding to the mobile communication terminal number of the customer to the corresponding customer terminal in accordance with the request for mileage information inquiry from the customer terminal, such as a mobile terminal, PDA, personal computer do.

That is, this configuration is a configuration for the membership service to the payment service provided by the wireless payment system using the mobile communication terminal according to the present invention, through the member management unit 1090 through the member management including membership registration and change When the payment request is made, the member authentication unit 1100 processes the customer and the merchant authentication, and the mileage information inquiry unit 1110 through the customer's mobile terminal, PDA, personal computer, etc. In accordance with the request for mileage information inquiry to provide the mileage information corresponding to the customer's mobile terminal number. Regarding the member registration / change and member authentication, since it is a common technique that is already known and implemented in various ways before this application, a detailed description thereof will be omitted.

On the other hand, according to an additional aspect of the present invention, the wireless payment system using the mobile communication terminal according to the present invention according to the customer's purchase request to the payment management server 100, the merchant identification information and the customer's mobile communication terminal phone number And an affiliated store terminal 200 transmitting payment request information including a payment amount and receiving payment approval result information from the payment management server 100.

As illustrated in FIG. 6, the affiliated store terminal 200 includes: an input unit 210 for user input; A communication unit 220 for communicating with the payment management server 100; A display unit 230 for outputting a screen; It includes a control unit 240 for controlling the entire merchant terminal device, executing the merchant terminal execution module installed in the merchant terminal in the form of software to perform a payment processing task, and additionally receives card information from the customer card It includes a card reader unit 250 for reading and a printer unit 260 for receipt output.

At this time, it is preferable that the affiliated store terminal 200 periodically connects to the payment management server 100 through the communication unit 200. The reason is that when the merchant terminal 200 requests a payment for a product ordered by a customer to the payment management server 100, the payment management server 100 sends a payment doctor confirmation request to the corresponding mobile communication terminal 200. This is because when the customer terminal 200 is continuously connected to the payment management server 100 because it is impossible to know when a customer response is made. Therefore, the merchant terminal 200 manages the payment request details for each customer, and the merchant receives a result from the authentication server through the short message service (SMS), and the result of the payment approval for this, the content of the short message Since it is a relatively small amount of data such as customer number, transaction number, and success or failure, the data is encrypted by PKI method and sent to the merchant terminal via SMS to realize secure enough information delivery at low cost.

When the customer purchases a product through a telephone order without visiting the affiliated store under the control of the control unit 240, the affiliated store terminal 200 receives the telephone number and the payment amount of the mobile communication terminal of the corresponding customer through the input unit 210. When the customer visits the merchant and purchases the product, the card reader 250 reads the card information from the customer card and simultaneously inputs the payment amount through the input unit 210 to request payment. In this case, payment method selection information for card payment or mileage payment may be input through the input unit 210. Then, the affiliated store terminal 200 transmits to the payment management server 100 payment information and payment method selection information including the identification information of the corresponding merchant, the card number and the payment amount of the customer through the communication unit 220, Later, the payment approval result information is received from the payment management server 100. Meanwhile, the affiliated store terminal 200 outputs various screens through the display unit 230 under the control of the controller 240, and outputs a receipt upon receipt of payment approval result information through the printer unit 260.

On the other hand, according to an additional aspect of the present invention, the wireless payment system using a mobile communication terminal according to the present invention receives payment request confirmation request information and payment method selection request information from the payment management server 100, and for the transaction It may further include a customer mobile communication terminal 300 for transmitting the payment intention confirmation information and payment method selection information to the payment management server 100. That is, the customer mobile communication terminal 300 displays the payment doctor confirmation request information received from the payment management server 100 so that the customer can read it, and the user interface for inputting the payment doctor confirmation information (UI: User interface) receives payment doctor confirmation information from the customer and transmits it to the payment management server 100. In addition, in response to the payment method selection request information received from the payment management server 100 receives payment method selection information for the card payment or mileage payment from the customer and transmits it to the payment management server 100. On the other hand, the payment doctor confirmation information may be a password input for the customer card possessed by the customer.

Thus, by the above it is possible to achieve the object of the wireless payment system using the mobile communication terminal according to the present invention presented above.

As described above, the wireless payment system using the mobile communication terminal according to the present invention uses the card number of the customer securely stored in the payment management server so that the transaction security can be made during the transaction between the customer and the merchant without exposing the card number. It is very excellent and can improve customer service by accumulating mileage points for each customer according to the mileage accrual points promised by each merchant at the time of payment processing, and making payments using the accumulated mileage points, further improving the repurchase rate. It has a useful effect that can be increased.

While the invention has been described with reference to the preferred embodiments, which are referred to by the accompanying drawings, those skilled in the art can make various modifications without departing from the scope of the invention within the scope covered by the claims that follow from this description.

Claims (17)

Receive payment request information about the customer who requested to purchase a product from the merchant terminal and transmit the payment doctor confirmation request information to the mobile terminal of the customer, and move the customer according to the payment doctor confirmation information received from the mobile terminal of the customer And a payment management server that searches for a customer card number corresponding to the communication terminal telephone number and requests the card company server to pay a payment amount from the customer card corresponding to the retrieved customer card number. Payment system. The method of claim 1, The payment management server: A payment request information receiving unit configured to receive payment request information including merchant identification information, a mobile phone terminal number of the customer, and a payment amount from the merchant terminal; Payment doctor confirmation request for transmitting payment doctor confirmation request information including merchant information and payment amount to the mobile communication terminal phone number of the customer included in the payment request information, and receiving payment doctor confirmation information from the mobile communication terminal of the customer Wealth; If the payment intention confirmation information received by the payment intention confirmation request unit is information for allowing payment, the customer card number corresponding to the mobile communication terminal phone number of the customer and the merchant account number corresponding to the affiliated store identification information are data. Card payment that searches from the base, sends the payment request information including the retrieved customer card number, the merchant account number and the payment amount to the card company server to request the card payment, and receives the payment approval result information from the card company server. A processing unit; A payment processing result information transmitting unit which transmits the payment processing result information processed by the card payment processing unit to a corresponding merchant terminal; Wireless payment system using a mobile communication terminal comprising a. The method of claim 2, The payment doctor confirmation request unit: A wireless payment system using a mobile communication terminal, characterized in that for transmitting a payment doctor confirmation request information to the mobile communication terminal of the customer by a short message service (SMS) method. The method of claim 3, wherein The payment management server: A member management unit for receiving member registration / change application information from customers and merchant terminals, processing member registration / change from this information through a member registration / change process, and storing / updating member information in a database; A member authentication unit for authenticating whether the customer and the affiliated store are registered with reference to the database from the mobile communication terminal phone number and the affiliated store identification information of the customer included in the payment request information received by the payment request information receiving unit; Wireless payment system using a mobile communication terminal, characterized in that it further comprises. The method according to any one of claims 2 to 4, The wireless payment system using the mobile communication terminal is: According to the customer's purchase request, the payment management server transmits payment request information including the merchant identification information, the mobile phone terminal number of the customer, and the payment amount to the payment management server, and sends payment approval result information from the payment management server. Receiving merchant terminal; Wireless payment system using a mobile communication terminal, characterized in that it further comprises. The method according to any one of claims 2 to 4, The wireless payment system using the mobile communication terminal is: A customer mobile communication terminal receiving payment doctor confirmation request information from the payment management server and transmitting payment doctor confirmation information about a transaction to a payment management server; Wireless payment system using a mobile communication terminal, characterized in that it further comprises. Receive payment request information about the customer who requested to purchase a product from the merchant terminal and transmit the payment doctor confirmation request information to the mobile terminal of the customer, and move the customer according to the payment doctor confirmation information received from the mobile terminal of the customer Search the customer card number corresponding to the telephone number of the communication terminal, request the card company server to pay the payment amount from the customer card corresponding to the retrieved customer card number, and for each customer according to the mileage accrual points contracted for each merchant at the time of card payment Wireless payment system using a mobile communication terminal comprising a payment management server for earning mileage points to update the mileage points of each customer stored in the database. The method of claim 7, wherein The payment management server: A payment request information receiving unit configured to receive payment request information including merchant identification information, a mobile phone terminal number of the customer, and a payment amount from the merchant terminal; Payment doctor confirmation request for transmitting payment doctor confirmation request information including merchant information and payment amount to the mobile communication terminal phone number of the customer included in the payment request information, and receiving payment doctor confirmation information from the mobile communication terminal of the customer Wealth; When confirming the payment intention, the customer card number corresponding to the mobile phone terminal number of the customer and the merchant identification information are searched by referring to a database, and a payment request including the found customer card number, merchant account number, and payment amount A card payment processing unit which transmits the information to the card company server for the payment request and receives the payment approval result information from the card company server; A payment processing result information transmitting unit which transmits the payment processing result information processed by the card payment processing unit to a corresponding merchant terminal; A mileage accumulator for renewing mileage points of each customer stored in a database by accumulating mileage points for each customer according to the mileage accumulation points contracted for each affiliate at the time of card payment; Wireless payment system using a mobile communication terminal comprising a. The method of claim 8, The payment management server: A payment method selection unit which transmits payment method selection request information for selecting card payment or mileage payment to the mobile communication terminal telephone number of the customer, and receives payment method selection information from the mobile communication terminal of the customer; If the payment method selection information received by the payment method selection unit is mileage payment, the mileage information corresponding to the mobile phone terminal number of the corresponding customer is searched from the database, and the payment amount corresponds to the payment amount from the current mileage point of the searched customer. A mileage payment processing unit for updating the mileage points of the corresponding customer by subtracting the points; Wireless payment system using a mobile communication terminal comprising a payment management server comprising a. The method according to claim 8 or 9, The payment doctor confirmation request unit: A wireless payment system using a mobile communication terminal, characterized in that for transmitting a payment doctor confirmation request information to the mobile communication terminal of the customer by a short message service (SMS) method. The method of claim 10, The mileage payment processing unit: Send payment request information including a server account number, a merchant account number and a payment amount to the financial institution server to request that the payment amount is transferred from the server account number to the merchant account number, and receive payment approval result information from the financial institution server. Wireless payment system using a mobile communication terminal, characterized in that it further comprises. The method of claim 10, The payment management server: Manage the mileage payment history processed by the mileage payment processing unit for each merchant for a certain period, and request the financial institution server to transfer the sum of payments for a certain period from the server account number to each merchant account number for each fixed period. A mileage settlement unit; Wireless payment system using a mobile communication terminal, characterized in that it further comprises. The method according to claim 8 or 9, The payment method selection unit: A wireless payment system using a mobile communication terminal, characterized in that for transmitting a payment method selection request information to a mobile communication terminal of the customer by a short message service (SMS) method. The method of claim 13, The wireless payment system using a mobile communication terminal, characterized in that the payment method selection request information includes a WAP page access information for selecting a payment method. The method according to claim 8 or 9, The payment management server: A member management unit for receiving member registration / change application information from customers and merchant terminals, processing member registration / change from this information through a member registration / change process, and storing / updating member information in a database; A member authentication unit for authenticating whether the customer and the affiliated store are registered with reference to the database from the mobile phone terminal number and the affiliated store identification information of the customer included in the payment request information received by the payment request information receiving unit; A mileage information inquiry unit for providing mileage information corresponding to the mobile communication terminal number of the customer to the customer terminal according to the mileage information inquiry request from the customer terminal; Wireless payment system using a mobile communication terminal, characterized in that it further comprises. The method according to claim 8 or 9, The wireless payment system using the mobile communication terminal is: According to the customer's purchase request, the merchant terminal to send the merchant identification information, payment request information including the mobile phone terminal number and payment amount of the customer's mobile communication terminal, and receives the payment approval result information from the payment management server; ; Wireless payment system using a mobile communication terminal, characterized in that it further comprises. The method according to claim 8 or 9, The wireless payment system using the mobile communication terminal is: A customer mobile communication terminal configured to receive payment doctor confirmation request information and payment method selection request information from the payment management server, and transmit payment doctor confirmation information and payment method selection information for a transaction to a payment management server; Wireless payment system using a mobile communication terminal, characterized in that it further comprises.

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