KR20090076518A - Mobile settlement system and control method thereof - Google Patents

Abstract

A mobile payment system and a control method thereof are provided to perform a payment/bank transfer by detecting the card number matching with a mobile communication number in case a mobile communication number is inputted through a Van(Value-added network) terminal. A mobile communication number which is inputted by a user is transmitted through the value added network. The VAN terminal(100) requests a payment/bank transfer. A client authentication system(300) authenticates the user through matching the mobile communication number with card number. A payment/transfer approval server(500) admits the payment/account transfer for the authenticated user as described above.

Description

Mobile settlement system and control method

The present invention relates to a mobile payment system and a control method thereof, and more particularly, to request a payment or transfer to a user's account of a corresponding number by transmitting a mobile communication number input through a predetermined terminal through a value-added communication network. And it relates to a mobile payment system that can be performed and a control method thereof.

The age of carrying a mobile phone at any time and day in everyday life has come. For example, even when entering a sauna, some people wrap their cell phones in towels. With this trend, convergence of integrating various functions necessary for various life into the functions of a mobile phone or a mobile communication terminal has become a major topic in the trend of terminal technology.

Convergence, originally meant as a gathering point, is an extension of the meaning of gathering into one point, which is a major trend in the recent convergence or complex digital industry. In other words, digital convergence, which creates value added by developing new services through convergence of services, networks, and terminals based on digital technology, has become a major trend. This trend of convergence is reflected in mobile communication devices, allowing users to enjoy music and movies, watching TV, and mobile banking with a single mobile phone.

Invention such as online payment using a mobile communication number has been proposed. However, in the case of the conventional invention, since an existing method of on / offline transfers to a mobile phone as it is, it is inconvenient to use a password and a security card. In addition, the burden of investment cost to be newly developed and distributed to each merchant was also a problem.

Accordingly, an object of the present invention is to enter a mobile communication number into a van terminal, and to perform user authentication by detecting a (credit) card number corresponding to the mobile communication number entered in a predetermined authentication system of a mobile communication company and performing user authentication. It is to provide a mobile payment system that can perform and a control method thereof.

That is, an object of the present invention is a mobile payment system, comprising: a van terminal for requesting payment by transmitting a mobile communication number input by a user through a value-added network (Van); A customer authentication system for authenticating a user by matching the mobile communication number and the card number; And a payment / transfer approval server for approving the payment / account transfer to the authenticated user and transmitting an approval history, wherein the customer authentication system includes the mobile communication number of the customer, the An information storage unit for storing predetermined customer information including a card number and a password; And an authentication control unit for matching the mobile communication number and the card number input through the van terminal using the customer information.

In order to achieve the above object, the mobile payment system according to the first aspect of the present invention, a van requesting payment by transmitting a mobile communication number input by a user through a value-added network (Van) (Van) Terminal; A customer authentication system for authenticating a user by matching the mobile communication number and the card number; And a payment / transfer approval server for approving the payment / account transfer to the authenticated user and transmitting the approval details.

Preferably, the mobile terminal may further include a mobile communication terminal for receiving and displaying the sent approval details.

Preferably, the customer authentication system further comprises: an information storage unit for storing predetermined customer information including the mobile communication number, the card number, and the password of the customer; And an authentication control unit for matching the mobile number and the card number input through the van terminal using the customer information.

Preferably, the customer authentication system may further include a service authentication unit for authenticating whether to subscribe to a mobile payment service using the customer information.

Preferably, the service authentication unit, if the user corresponding to the mobile communication number using the customer information is confirmed as the mobile payment service subscriber, the mobile communication terminal by requesting the password provided in the manner It may be characterized in that the authentication.

Preferably, the payment / transfer approval server may be configured to approve the payment using an account of the user corresponding to the card number matched by the customer authentication system.

In order to achieve the above object, the customer authentication system of the mobile payment system according to the second aspect of the present invention, an information storage unit for storing predetermined customer information including the mobile communication number, card number and password of the customer; And using the customer information, characterized in that it comprises an authentication control unit for matching the mobile number and the card number input through the van terminal.

Preferably, the method may further include a service authentication unit for authenticating whether the mobile payment / account transfer service is subscribed using the customer information.

Preferably, the service authentication unit, if the user corresponding to the mobile communication number using the customer information is confirmed as the mobile payment / account transfer service subscriber, the mobile terminal receives a request for a personal password provided The authentication can be characterized in that manner.

In order to achieve the above object, a control method of a mobile payment system according to a third aspect of the present invention, comprising the steps of: inputting a mobile communication number of the user to the van terminal; Requesting payment / transfer by transmitting the inputted mobile communication number through a value-added communication network; Confirming whether to subscribe to a mobile payment / transfer service by using previously stored predetermined customer information; If the service subscription is confirmed, matching the mobile communication number and the card number using the customer information; And approving the payment / account transfer using the account of the user corresponding to the matched card number.

Preferably, when the service subscription is confirmed, it may further comprise the step of receiving the password provided to the mobile communication terminal provided.

Preferably, the method may further include receiving and displaying the approval details after the payment / account transfer approval.

In order to achieve the above object, in the control method of the customer authentication system of the mobile payment system according to the fourth aspect of the present invention, storing predetermined customer information including the mobile communication number, card number, and password of the customer step; Confirming whether to subscribe to a mobile payment / transfer service using the mobile communication number and the customer information input through the van terminal; And when the service subscription is confirmed, authenticating the user by matching the mobile communication number with the card number using the customer information.

Preferably, when the service subscription is confirmed, it may further comprise the step of receiving the password provided to the mobile communication terminal provided.

In order to achieve the above object, the customer authentication system of the mobile payment system according to the first additional aspect of the present invention transmits a mobile communication number input by a user through a value-added network (Van). Van terminal requesting; A customer authentication system for authenticating a user by matching the mobile communication number and the card number; And a payment approval server for approving the payment to the authenticated user and transmitting the approval details.

Preferably, the mobile terminal may further include a mobile communication terminal for receiving and displaying the sent approval details.

Preferably, the customer authentication system further comprises: an information storage unit for storing predetermined customer information including the mobile communication number, the card number, and the password of the customer; And an authentication control unit for matching the mobile number and the card number input through the van terminal using the customer information.

Preferably, the customer authentication system may further include a service authentication unit for authenticating whether to subscribe to a mobile payment service using the customer information.

Preferably, the service authentication unit, if the user corresponding to the mobile communication number using the customer information is confirmed as the mobile payment service subscriber, the mobile communication terminal by requesting the password provided in the manner It may be characterized in that the authentication.

Preferably, the payment approval server may be configured to approve the payment using an account of the user corresponding to the card number matched by the customer authentication system.

According to the present invention by the above means, when entering the mobile communication number using the van terminal, it is possible to perform the payment / account transfer by detecting the card number matching this.

Accordingly, the mobile payment / account transfer service can be conveniently used anytime and anywhere (but where the van terminal is installed) by inputting only the mobile communication number of the user without having a wallet.

In the conventional invention of attempting payment using a mobile communication number, the existing account transfer method of on / offline was a method of interworking with a mobile as it is, and there was inconvenience such as using a password and a security card. The problem was that the burden on the loss of investment cost that the new payment device had to be developed and distributed to each merchant was excessive. Accordingly, the present invention relates to a mobile payment system and a method for controlling the mobile payment system capable of requesting and performing payment or transfer to a user's account of a corresponding number by transmitting a mobile communication number input through a van terminal using a value added communication network. .

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

1 is a block diagram of a mobile payment system according to an embodiment of the present invention.

Mobile payment system according to an embodiment of the present invention includes a van terminal 100, customer authentication system 300, payment / transfer approval server 500, and a mobile communication terminal 700.

Van terminal 100 is a device that can make a payment using a value-added communication network, and generally can be paid for goods by reading a credit card or by entering a credit card number. Here, a value-added network (VAN) is a network that provides a communication service that adds value added by leasing a communication line from a public telecommunications provider, and communication functions such as an exchange function, a communication processing function, and an information processing function may be added. Can be. The value-added communication network can be used to book train tickets, make credit card payments, and the like.

Preferably, the van terminal 100 in the present invention can request a payment using a mobile communication number. That is, when a user inputs the number of his mobile communication terminal 700 to the van terminal 100, the van terminal 100 transmits the input mobile communication number to the customer authentication system 300 through the value-added communication network and pays. You can request

The customer authentication system 300 is for authenticating a user using a mobile communication number, and means a system of a mobile communication company.

The customer authentication system 300 includes an information storage unit 310, an authentication control unit 330, and a service authentication unit 350.

The information storage unit 310 is a database for storing predetermined customer information of a mobile communication company, for customer authentication. Here, the predetermined customer information means customer personal information including the mobile communication number of the customer held by the mobile communication company, the (credit) card number, and the password. On the other hand, the above-mentioned password is a unique number of the customer, and may include a card password and each mobile service use password (depending on the implementation, it may be one or multiple passwords) .

The authentication controller 330 performs substantial authentication, and may find a card number that matches the mobile communication number input through the van terminal 100 using the above-described customer information.

The service authenticator 350 verifies whether to subscribe to the mobile payment service using the customer information. In more detail about the method of authenticating the service subscription, if the user corresponding to the mobile communication number entered by the service authentication unit 350 using the customer information is confirmed as the subscriber of the service, the mobile communication terminal 700 ), You can authenticate your subscription by requesting a personal password. This is because there is a risk of personal information theft when authentication is made only with a mobile communication number, so that the authentication is more closely performed.

Payment / transfer approval server 500 is to approve payment / account transfer for the user authenticated by the customer authentication system 300, mainly means a server (system) of the card company side. That is, the payment / transfer approval server 500 may transmit the payment / transfer history to the mobile communication terminal 700 for the user authenticated by the customer authentication system 300. Meanwhile, in the above, the payment / transfer approval server 500 and the customer authentication system 300 are implemented as separate components (the customer authentication system 300 is a mobile carrier, while the payment / transfer approval server 500 is a card company. However, the payment / transfer approval server 500 may be implemented to be included in the customer authentication system 300 (including all on the mobile carrier side).

The mobile communication terminal 700 receives and displays the approval details sent from the payment / transfer approval server 500. That is, the user may confirm that the requested payment has been normally performed by checking the approval details displayed on the screen of the mobile communication terminal 700.

On the other hand, the mobile payment system implemented a payment / transfer approval server 500 as a component to perform the payment / transfer at the same time, but if necessary to implement as a separate component to the payment approval server and transfer approval server It may be.

2 is a flowchart illustrating a control method of a mobile payment system according to an embodiment of the present invention.

The user enters the mobile communication number to the van terminal (100) (S101).

A payment / transfer is requested by transmitting the input mobile communication number through the value-added communication network (S102).

It is checked whether the mobile payment / transfer service subscription using the pre-stored predetermined customer information (S103). Here, the predetermined customer information is stored in the information storage unit 310, 420 is the same as described above.

When the service subscription is confirmed, the card number matching the mobile communication number input by the user is detected using the customer information (S104). On the other hand, if the service is not subscribed because it is not related to the method of controlling the mobile payment system according to an embodiment of the present invention, Figure 3 is shown toward the end.

Using the user's account corresponding to the matched card number, the user requests the payment / transfer (S105).

Although not shown, if the service subscription is confirmed, it can be provided by requesting a password after S104, which is a procedure for more detailed authentication as described above.

In addition, although not shown, when the payment / transfer is approved, the mobile communication terminal (700, 800) may receive and display the approval details.

3 is a flowchart illustrating a control method of a customer authentication system of a mobile payment system according to an embodiment of the present invention.

Hereinafter, a detailed operation procedure of the control method of the mobile payment system according to an embodiment of the present invention will be described with reference to FIG. 3.

Predetermined customer information is stored (S201).

Using the mobile communication number and the customer information input through the van terminal to check whether the mobile payment / transfer service subscription (S202).

When the service subscription is confirmed, the user is authenticated by detecting a card number matching the mobile communication number input by the user using the customer information (S203).

Using the user's account corresponding to the matched card number, the user requests the payment / transfer (S204).

Although not shown, if the service subscription is confirmed, it can be provided by requesting a password after S104 in order to further verify the authentication,

Although the above has been described with reference to a preferred embodiment of the present invention, those skilled in the art will be variously modified and changed within the scope of the invention without departing from the spirit and scope of the invention described in the claims below. I can understand that you can.

The present invention relates to a mobile payment system and a control method thereof, and more particularly, to request a payment or transfer to a user's account of a corresponding number by transmitting a mobile communication number input through a predetermined terminal through a value-added communication network. It relates to a mobile payment system that can be performed and a control method thereof.

Accordingly, the mobile payment / transfer service can be conveniently used anytime and anywhere (where the van terminal is installed) by inputting only the mobile communication number of the user without having a wallet.

1 is a block diagram of a mobile payment system according to an embodiment of the present invention.

2 is a flowchart illustrating a control method of a mobile payment system according to an embodiment of the present invention.

3 is a flowchart illustrating a control method of a customer authentication system of a mobile payment system according to an embodiment of the present invention.

<Description of simple symbols for main parts of the drawing>

100: van terminal

300: customer authentication system

500: Billing / Transfer Authorization Server

700: mobile communication terminal

Claims (14)

In the mobile payment system, Van terminal for requesting payment / account transfer by transmitting a mobile communication number input by a user through a value-added network (Van); A customer authentication system for authenticating a user by matching the mobile communication number and the card number; And And a payment / transfer approval server for approving the payment / account transfer to the authenticated user and transmitting the approval details. The method of claim 1, The mobile payment system further comprises a mobile communication terminal for receiving and displaying the sent approval details. The method according to claim 1 or 2, The customer authentication system, An information storage unit for storing predetermined customer information including the mobile communication number, the card number, and the password of the customer; And And an authentication control unit for matching the mobile number and the card number inputted through the van terminal using the customer information. The method of claim 3, The customer authentication system further comprises a service authentication unit for authenticating whether the mobile payment service subscription using the customer information. The method of claim 4, wherein When the user corresponding to the mobile communication number is identified as the mobile payment service subscriber using the customer information, the service authentication unit requests the password to the mobile communication terminal to perform the authentication in a manner of being provided. Mobile payment system. The method of claim 1, The payment / transfer approval server, the mobile payment system, characterized in that for approving the payment using the account of the user corresponding to the card number matched by the customer authentication system. In the customer authentication system of the mobile payment system, An information storage unit for storing predetermined customer information including a mobile communication number, a card number, and a password of the customer; And And an authentication control unit for matching the mobile number and the card number input through the van terminal using the customer information. The method of claim 7, wherein Customer authentication system further comprises a service authentication unit for authenticating whether the mobile payment / account transfer service subscription using the customer information. The method of claim 8, When the user corresponding to the mobile communication number is identified as the mobile payment / account transfer service subscriber using the customer information, the service authentication unit requests the personal password to the mobile communication terminal to receive the authentication. Customer authentication system, characterized in that. In the control method of the mobile payment system, Inputting a mobile communication number of the user into the van terminal; Requesting a payment / account transfer by transmitting the inputted mobile communication number through a value added communication network; Confirming whether to subscribe to the mobile payment / account transfer service using previously stored predetermined customer information; If the service subscription is confirmed, matching the mobile communication number and the card number using the customer information; And And approving the payment / account transfer using the account of the user corresponding to the matched card number. The method of claim 10, And if the service subscription is confirmed, requesting and receiving the password from a mobile communication terminal. The method according to claim 10 or 11, wherein And after receiving the payment / account transfer approval, receiving and displaying the approval details. In the control method of the customer authentication system of the mobile payment system, Storing predetermined customer information including the customer's mobile communication number, card number, and password; Confirming whether to subscribe to a mobile payment / account transfer service using the mobile communication number and the customer information input through the van terminal; And And if the service subscription is confirmed, authenticating the user by matching the mobile communication number and the card number using the customer information. The method of claim 13, And if the service subscription is confirmed, requesting the password from the mobile communication terminal and receiving the password.

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