KR20200080204A - Method for Processing Payment based on Application by using Mobile Device - Google Patents

Abstract

The present invention relates to a method for processing payment based on an application using a wireless terminal, which is executed through a payment server to communicate with a customer wireless terminal having a program with a fixed payment server access code installed therein and to be linked with a payment request server communicating with a terminal requesting a customer′s payment to protect both a buyer and a shopping mall. According to the present invention, the method performs a procedure comprising the following steps of: receiving payment-related information for requesting payment including a customer′s wireless terminal from a terminal via the payment request server and maintaining the same; providing an authentication number generated corresponding to the payment-related information to the payment request server, wherein the authentication number is provided to the terminal via the payment request server; providing the customer′s wireless terminal with a signal (or information) for operating a program with a fixed payment server access code; authenticating whether the program with the fixed payment server access code is operated in the customer′s wireless terminal to be accessed with the payment server access code included in the program; when access through the payment server access code is authenticated, checking the authentication number received through the program of the access-authenticated customer′s wireless terminal; using at least one authentication number provided to the payment request server to authenticate validity of the authentication number received through the program of the access-authenticated customer′s wireless terminal; and when the validity of the authentication number received through the program of the access-authenticated customer′s wireless terminal is authenticated, checking the payment-related information corresponding to the authentication number to process the payment.

Description

Method for Processing Payment based on Application by Using Mobile Device}

In the present invention, it is possible to communicate with a customer's wireless terminal installed with a program having a designated payment server access code, and to be executed through a payment server that is interoperable with a payment request server that communicates with a terminal requesting payment by the customer, Receiving and maintaining payment related information requesting payment through the customer wireless terminal via the payment request server from the terminal, and providing the authentication number generated in response to the payment related information to the payment request server,- The authentication number is provided to the terminal via the payment request server-provides a signal (or information) for driving a program having a payment server access code designated as the customer wireless terminal, and a payment server designated by the customer wireless terminal When a program having a connection code is driven to authenticate whether a connection is made using the payment server access code provided in the program, and when the connection through the payment server access code is authenticated, the connection is received through the customer wireless terminal program Check the authenticated authentication number, authenticate the validity of the authentication number received through the program of the access-authenticated customer wireless terminal using at least one authentication number provided to the payment request server, and the access-authenticated customer wireless terminal When validating the validity of the authentication number received through the program of the present invention, it relates to an app-based payment processing method using a wireless terminal performing a procedure for processing payment by checking payment related information corresponding to the authentication number.

With the recent development of the Internet shopping industry, an innumerable variety of shopping malls have been created on the Internet. However, as the number of internet shopping malls increases, problems such as false orders and non-delivery of goods that may occur in e-commerce are not disappearing.

In preparation for this situation, it is necessary to search for new services that enable safe commerce by using mobile phones and protect both buyers and shopping malls (sellers).

In addition, in connection with a publicly trusted agency, it is necessary for buyers to search for a service that can eliminate the hassle and inconvenience of entering their courier address information for each shopping mall.

An object of the present invention is to communicate with a customer wireless terminal that has installed a program having a designated payment server access code, and to be executed through a payment server that is interoperable with a payment request server that communicates with a terminal requesting customer payment. In the payment request server, the first step of receiving and maintaining payment-related information requesting payment through the customer wireless terminal via the payment request server and maintaining the authentication number generated in response to the payment-related information The second step provided by-the authentication number is provided to the terminal via the payment request server-and providing a signal (or information) for driving a program having a payment server access code designated as the customer wireless terminal A third step and a fourth step of authenticating whether a program having a payment server access code specified in the customer's wireless terminal is driven to access using the payment server access code provided in the program, and authenticating a connection through the payment server access code In one case, the fifth step of checking the authentication number received through the program of the access authenticated customer wireless terminal and at least one authentication number provided to the payment request server through the program of the customer wireless terminal authenticated with the connection. In the sixth step of authenticating the validity of the received authentication number, and when validating the validity of the authentication number received through the program of the access authenticated customer wireless terminal, check the payment related information corresponding to the authentication number and process the payment. It provides an app-based payment processing method using a wireless terminal including a seventh step of performing the procedure for.

The app-based payment processing method using a wireless terminal according to the present invention is capable of communicating with a customer wireless terminal having a program having a designated payment server access code installed, and interworking with a payment request server communicating with a terminal requesting a customer payment. In a method that is executed through a possible payment server, in response to the first step of receiving and maintaining payment-related information requesting payment through the customer's wireless terminal via the payment request server from the terminal and in response to the payment-related information A second step of providing the generated authentication number to the payment request server-the authentication number is provided to the terminal via the payment request server-and driving a program having a payment server access code designated as the customer wireless terminal The third step of providing a signal (or information) for the operation, and the fourth step of authenticating whether a program having a payment server access code designated in the customer's wireless terminal is driven to access using the payment server access code provided in the program. When the connection through the payment server access code is authenticated, the fifth step of checking the authentication number received through the program of the access authenticated customer wireless terminal and the connection using at least one authentication number provided to the payment request server The sixth step of authenticating the validity of the authentication number received through the program of the authenticated customer wireless terminal and the payment corresponding to the authentication number if the validity of the authentication number received through the program of the access authenticated customer wireless terminal is authenticated It characterized in that it comprises a seventh step of performing a procedure for processing the payment by checking the relevant information.

In the app-based payment processing method using a wireless terminal according to the present invention, the authentication number is generated through the payment request server and shared with the payment server, or generated through the payment server and shared with the payment request server It is characterized by being.

In the method for processing an app-based payment using a wireless terminal according to the present invention, the method further includes providing a payment history corresponding to the payment related information with the program of the customer wireless terminal.

In the method for processing an app-based payment using a wireless terminal according to the present invention, further comprising the steps of receiving information requesting payment processing for the payment history from the program of the customer wireless terminal based on customer confirmation of the payment history. Characterized in that it comprises.

The app-based payment processing method using a wireless terminal according to the present invention is capable of communicating with a customer wireless terminal having a program having a function for payment processing and a designated payment server access code and communicating with a terminal requesting payment of the customer. A method executed through a payment server that can be linked with a payment request server, the first step of receiving and maintaining payment-related information requesting payment through a wireless terminal through the payment request server from the terminal and maintaining the payment A second step of processing to provide the authentication number generated in response to the related information to the terminal requesting the payment via the payment request server, and after providing the authentication number and having a payment server access code designated in the customer's wireless terminal A third step of authenticating whether the program is accessed through the payment server access code by running the program, and checking the authentication number received through the program of the customer wireless terminal when the program of the customer wireless terminal is accessed through the payment server access code. Step 4 and the fifth step of comparing and verifying the authentication number received from the program of the customer wireless terminal and the authentication number provided to the terminal requesting the payment via the payment request server and the payment when the authentication number is compared and authenticated And a sixth step of performing a procedure for processing payment for related information.

In the app-based payment processing method using a wireless terminal according to the present invention, the authentication number is generated through the payment request server and shared with the payment server, or generated through the payment server and shared with the payment request server It is characterized by being.

In the method for processing an app-based payment using a wireless terminal according to the present invention, the method further includes performing a process of transmitting a message including driving information for driving the program to the customer wireless terminal. The third step is characterized in that it comprises the step of checking whether the customer wireless terminal receiving the message is connected to the program by driving the program through the driving information.

In the app-based payment processing method using a wireless terminal according to the present invention, it is characterized in that it further comprises the step of providing a payment history corresponding to payment related information with the program of the customer wireless terminal.

In the method for processing an app-based payment using a wireless terminal according to the present invention, further comprising the steps of receiving information requesting payment processing for the payment history from the program of the customer wireless terminal based on customer confirmation of the payment history. Characterized in that it comprises.

The app-based payment processing method using a wireless terminal according to the present invention is a method that is executed through a payment server that communicates with a customer's wireless terminal that has installed a specific program designated for payment processing and communicates with a payment request server that requests a customer's payment. In claim 1, the first step of receiving and maintaining payment related information for payment processing via the customer's wireless terminal carried by the customer from a payment request server communicating with a terminal used by the customer and generated in response to the payment related information After the second step of providing an authentication number to the payment request server and providing the authentication number to the payment request server, a specific program driven by a customer wireless terminal is accessed using a designated payment server access code provided in the specific program The third step of checking whether the connection through the specific program of the customer wireless terminal is confirmed, and the fourth step of receiving the authentication number input through the specific program of the customer wireless terminal via a terminal communicating with the payment request server. And a fifth step of comparing and verifying the authentication number received from a specific program of the customer wireless terminal and the authentication number provided to the payment request server, and for processing payment for the payment related information when the authentication number is compared and authenticated. And a sixth step of performing the procedure.

In the app-based payment processing method using a wireless terminal according to the present invention, the authentication number is generated through the payment request server and shared with the payment server, or generated through the payment server and shared with the payment request server It is characterized by being.

In the method for processing an app-based payment using a wireless terminal according to the present invention, performing a process of transmitting a message including driving information for driving the specific program among programs installed in the customer wireless terminal to the customer wireless terminal. Further comprising a step, the third step is characterized in that it comprises a step of confirming whether to connect to drive the specific program through the driving information from the customer wireless terminal that received the message.

In the method for processing an app-based payment using a wireless terminal according to the present invention, the method further includes providing a payment history corresponding to payment related information with a specific program of the customer wireless terminal.

In the method for processing an app-based payment using a wireless terminal according to the present invention, further comprising receiving payment request information for the payment history from a specific program of the customer wireless terminal based on a customer confirmation of the payment history. It is characterized by being made.

The app-based payment processing method using a wireless terminal according to the present invention is a method executed through a payment server that communicates with a customer requesting server that requests a customer payment and communicates with a customer wireless terminal having a specific program designated for payment processing. In claim 1, the first step of receiving and maintaining payment-related information including payment details for processing the customer's payment from a payment request server and an authentication number generated corresponding to the payment-related information are provided to the payment request server A second step and a method for checking a connection using the payment server access code of a customer wireless terminal having a payment program access code for automatically accessing the payment server and driving a specific program that displays an interface for receiving an authentication number. Step 3 and the fourth step of receiving the authentication number inputted and transmitted through the specific program of the customer wireless terminal that has been verified and the authentication number received from the specific program of the customer wireless terminal and the authentication number provided to the payment request server It characterized in that it comprises a fifth step of performing a procedure for processing the payment for the payment-related information when authenticated by comparing.

In the app-based payment processing method using a wireless terminal according to the present invention, the authentication number is generated through the payment request server and shared with the payment server, or generated through the payment server and shared with the payment request server It is characterized by being.

In the method for processing an app-based payment using a wireless terminal according to the present invention, performing a process of transmitting a message including driving information for driving the specific program among programs installed in the customer wireless terminal to the customer wireless terminal. Further comprising a step, the third step is characterized in that it comprises a step of confirming whether to connect to drive the specific program through the driving information from the customer wireless terminal that received the message.

In the method for processing an app-based payment using a wireless terminal according to the present invention, the method further includes providing a payment history corresponding to payment related information with a specific program of the customer wireless terminal.

In the method for processing an app-based payment using a wireless terminal according to the present invention, further comprising receiving payment request information for the payment history from a specific program of the customer wireless terminal based on a customer confirmation of the payment history. It is characterized by being made.

The app-based payment processing method using a wireless terminal according to the present invention is a method that is executed through a payment server that communicates with a customer's wireless terminal that has installed a specific program designated for payment processing and communicates with a payment request server that requests payment from customers. In the first step of receiving and maintaining payment-related information including the payment history for processing the customer's payment from the payment request server and payment to identify the automatic access to the payment server among programs installed on the customer's wireless terminal. A second step of performing a process of transmitting a message including driving information for driving a specific program having a server access code to the customer wireless terminal, and corresponding to the driving information in the customer wireless terminal receiving the message The third step of checking whether a specific program driven by the customer wireless terminal accesses via the Internet through the payment server access code by driving a specific program and the payment server access code by the specific program driven by the customer wireless terminal. When connected through the payment server access code, the customer accesses the payment request information based on customer confirmation by providing payment details corresponding to the maintained payment related information through a specific program of the customer's wireless terminal. The fourth step of receiving the authentication number input through the interface displayed through the specific program of the wireless terminal, and when receiving the payment request information based on the customer confirmation from the specific program of the customer wireless terminal or receiving the singer authentication number It characterized in that it comprises a fifth step of performing a procedure for processing the payment for the payment-related information maintained by receiving from the payment request server.

In the app-based payment processing method using a wireless terminal according to the present invention, the authentication number is generated through the payment request server and shared with the payment server, or generated through the payment server and shared with the payment request server It is characterized by being.

In the app-based payment processing method using a wireless terminal according to the present invention, the driving information is characterized in that it is not output through the customer wireless terminal receiving the message.

The app-based payment processing method using a wireless terminal according to the present invention is a method executed through a payment server communicating with a customer wireless terminal having a specific program installed for payment processing, the customer through a payment request server accessed by the customer When a wireless payment request using a wireless terminal is provided, the first step of receiving and maintaining payment-related information including the payment history for processing the customer's payment from the payment request server and providing the payment history among programs installed in the customer wireless terminal A second step of performing a process of processing to transmit a message including driving information for driving a program to receive and process a payment to the customer wireless terminal, and based on the driving information of the message at the customer wireless terminal receiving the message. A third step of confirming whether the program driven by the customer's wireless terminal is connected via the Internet using a predetermined payment server access code in the corresponding program by driving the program, and a customer connected through the payment server access code A fourth step of providing the payment history with the program of the wireless terminal and receiving payment request information for the payment history from the program of the customer wireless terminal based on the confirmation of the customer through the program of the customer wireless terminal and the customer wireless And a fifth step of performing a procedure for processing payment for payment related information received from the payment request server based on payment request information received from a terminal program.

In the method for processing an app-based payment using a wireless terminal according to the present invention, the first step further includes sharing an authentication number with a payment request server that has transmitted the payment-related information, and the fourth step comprises: It characterized in that it further comprises the step of receiving an authentication number from the program of the customer wireless terminal and authenticating the validity of the received authentication number through the shared authentication number.

In the app-based payment processing method using a wireless terminal according to the present invention, the authentication number is generated through the payment request server and shared with the payment server, or generated through the payment server and shared with the payment request server It is characterized by being.

In the app-based payment processing method using a wireless terminal according to the present invention, the driving information is characterized in that it is not output through the customer wireless terminal receiving the message.

In the app-based payment processing method using a wireless terminal according to the present invention, the customer's confirmation is characterized in that it comprises input of the customer's confirmation button for various information displayed through a program driven by the customer's wireless terminal. do.

In the payment processing method using a wireless terminal according to the present invention, in a method executed through a payment server communicating with a wireless terminal of a customer who has installed a specific program for payment processing, the customer wirelessly communicates through a payment request server accessed by the customer. When requesting wireless payment using a terminal, the first step of receiving and maintaining payment-related information including the payment amount for processing of the customer's payment from the payment request server and a specific program for processing the payment in the customer's wireless terminal are driven Is operated through the customer wireless terminal based on the information provided to the customer wireless terminal in order to confirm whether it is connected via the Internet through the access code specified in the driven program or to remotely drive a specific program of the customer wireless terminal. The second step of checking whether access is via the Internet through the access code specified in the program, and the payment request information including the authentication number provided by the program of the customer's wireless terminal through the program of the customer's wireless terminal. Based on the authentication confirmation, the third step received through the program of the customer wireless terminal and the authentication number included in the received payment request information correspond to the specific payment related information and match the authentication number shared with the payment request server side Or, if it matches the authentication number provided by the customer wireless terminal, a procedure for processing payment for payment related information received from the payment request server based on the payment request information received from the program of the customer wireless terminal. And a fourth step of performing, wherein the authentication number is provided as a program of the customer wireless terminal before checking the customer authentication through a program driven by the customer wireless terminal, and confirms customer authentication through a program of the customer wireless terminal. It is characterized in that it is received by being included in the payment request information as a basis.

In the payment processing method using the wireless terminal according to the present invention, the authentication number is generated through the payment request server, shared with the payment server, and is provided as a program of the customer wireless terminal.

In the payment processing method using the wireless terminal according to the present invention, the authentication number is generated through the payment server and shared with the payment request server or shared with a customer terminal connected to the payment request server, and the customer wireless It is characterized by being provided as a terminal program.

In the payment processing method using the wireless terminal according to the present invention, further comprising the step of processing to transmit a message including information for remotely driving a specific program of the customer wireless terminal to the customer wireless terminal, the authentication number It is characterized in that it is provided to the customer wireless terminal through the message.

In the payment processing method using the wireless terminal according to the present invention, the customer authentication confirmation is characterized in that it comprises a customer's confirmation button input for various information displayed through a program driven by the customer wireless terminal.

In the online payment processing method according to the present invention, when a wireless payment using a customer wireless terminal is requested from a customer terminal to an online payment request server, the payment request server generates (or extracts) the authentication number required for the wireless payment to the customer terminal. Outputting, and transmitting payment related information including the authentication number, customer wireless terminal information, payment amount information, and purchase item information from the payment request server to the payment server, and access to the customer wireless terminal from the payment server If confirmed, transmitting payment related information including the authentication number input interface to the wireless terminal, and when an authentication number input through the authentication number input interface is received from the wireless terminal by the server, the received authentication number It characterized in that it comprises a step of authenticating the validity for and the step of performing a payment process according to the authentication number validity authentication result from the server.

In addition, when a wireless payment using a customer wireless terminal is requested from the customer terminal to an online payment request server, the payment request server transmits payment related information including customer wireless terminal information, payment amount information, and purchase item information to the payment server. Requesting wireless payment using a wireless terminal; generating an authentication number required for the wireless payment in a payment server and transmitting it to the payment request server; and a payment request server receiving an authentication number required for the wireless payment in the customer terminal Outputting, and transmitting payment-related information including the authentication number input interface to the customer wireless terminal when the connection of the customer wireless terminal is confirmed at the payment server, and the authentication from the wireless terminal at the payment server. When the authentication number entered through the number input interface is received, comparing the received authentication number with the authentication number sent to the payment request server and performing payment processing according to the authentication number comparison result at the payment server. Characterized in that it comprises.

The present invention includes a computer-readable recording medium characterized by recording a program executing the above-described online payment processing method.

The online payment processing system according to the present invention requests a wireless payment using a customer wireless terminal to an online payment request server, and generates and outputs an authentication number required for the wireless payment provided from the payment request server (or extracted). When the connection between the terminal and the customer wireless terminal is confirmed, the payment request server transmits payment related information including the authentication number and the customer wireless terminal information, payment amount information, and purchase item information to the payment server, from the wireless terminal. Authenticating the validity of the received authentication number, receiving payment related information including an authentication number input interface from a payment server and payment server performing payment processing according to the authentication number validity authentication result, and receiving the authentication number input interface. It characterized in that it comprises a wireless terminal that provides an authentication number through the payment server.

In addition, a customer terminal for requesting wireless payment using a customer wireless terminal to an online payment request server, and receiving and outputting an authentication number required for the wireless payment from the payment request server, and customer wireless terminal information, payment amount information, and purchase goods A payment request server that transmits payment-related information including information to a payment server to request wireless payment using a customer wireless terminal, receives an authentication number required for wireless payment from the payment server, and outputs it to a customer terminal. Generates the required authentication number and transmits it to the payment request server, and when accessing the customer wireless terminal, compares the authentication number received from the customer wireless terminal with the authentication number sent to the payment request server, and compares the authentication number It comprises a wireless terminal that receives payment-related information including an authentication number input interface from a payment server and a payment server performing payment processing according to the payment server, and provides an authentication number to the payment server through the authentication number input interface. It is characterized by.

According to the present invention, it is possible to use a mobile phone in an online shopping mall to enable secure commerce, and to protect both a buyer and a shopping mall (seller).

In addition, there is an advantage that buyers can eliminate the hassle and inconvenience of entering their courier address information for each shopping mall.

1 is a view showing the configuration of a customer wireless terminal-based online payment system according to an embodiment of the present invention.
2 is a view showing a payment server configuration for a customer wireless terminal-based online payment according to an embodiment of the present invention.
3 is a view showing the configuration of a payment request server for a customer wireless terminal-based online payment according to an embodiment of the present invention.
4 is a diagram showing a customer wireless terminal-based online payment process according to an embodiment of the present invention.
5 is a diagram showing a customer wireless terminal-based online payment process according to another embodiment of the present invention.
6 is a view showing a customer wireless terminal-based online payment process according to another embodiment of the present invention.
7 is a diagram illustrating a customer wireless terminal-based online payment process according to another embodiment of the present invention.
8 is a diagram illustrating a screen output to a customer wireless terminal during a wireless payment process based on a customer wireless terminal according to an embodiment of the present invention.

Hereinafter, an operation principle of a preferred embodiment of the present invention will be described in detail with reference to the accompanying drawings and description. However, the drawings shown below and the following description are for preferred implementation methods among various methods for effectively describing the features of the present invention, and the present invention is not limited to the following drawings and description. In addition, in the following description of the present invention, when it is determined that detailed descriptions of related well-known functions or configurations may unnecessarily obscure the subject matter of the present invention, detailed descriptions thereof will be omitted. In addition, terms to be described later are terms defined in consideration of functions in the present invention, which may vary according to a user's or operator's intention or practice. Therefore, the definition should be made based on the overall contents of the present invention.

In addition, a preferred embodiment of the present invention to be carried out below is provided in each system functional configuration to efficiently describe the technical components constituting the present invention, or a system function usually provided in the technical field to which the present invention pertains. The configuration is omitted as much as possible, and the functional configuration that should be additionally provided for the present invention will be mainly described. If a person having ordinary knowledge in the technical field to which the present invention pertains, it will be possible to easily understand the functions of components that have been used in the prior art among the omitted functional configurations not shown below, and also the omitted components as described above. The relationship between the elements and the components added for the invention will also be clearly understood.

In addition, the following examples will be used to appropriately modify, integrate, or separate terms so that those skilled in the art to which the present invention pertains can clearly understand the key technical features of the present invention. , The present invention is not limited thereby. That is, each of the means described above is a server (or terminal) provided on the system shown in the following embodiment, or is a predetermined functional component provided in at least one server (or terminal), or at least one server (Or terminal) may be an association of at least two or more functional components provided in the terminal. In addition, the server (or terminal) shown in the following embodiment is shown as including at least two or more functional components for achieving the advanced technical features of the present invention for convenience, but the functional components shown in the server (or terminal) Matched with the above-described means may be provided in two or more different servers (or terminals) that are different depending on the role and function of each functional component and the corresponding server (or terminal) operator (or operating institution), thereby limiting the present invention. No.

As a result, the technical spirit of the present invention is determined by the claims, and the following examples are one means for efficiently explaining the technical spirit of the present invention to those skilled in the art to which the present invention pertains. That's it.

1 is a diagram showing the configuration of a customer wireless terminal 105-based online payment system according to an embodiment of the present invention.

In more detail, this figure 1 is provided to the online merchant when a customer who wants to perform payment processing for a predetermined product purchase through a predetermined online merchant requests online payment based on the wireless terminal 105 according to the present invention, or Alternatively, the linked payment request server 110 transmits the payment information of the customer (eg, customer wireless terminal 105 information, payment amount information, purchase item information, etc.) to the payment server 115 on the communication network, and the payment server If a predetermined authentication number required for online payment is generated at 115 and transmitted to the payment request server 110, the payment request server 110 accesses the authentication number to the customer terminal (eg, to the online affiliate store). One wired terminal (100, etc.), and when the payment server 115 transmits the payment history and authentication number from the payment server 115 to the customer wireless terminal 105, the authentication number and the wireless output from the customer terminal. As for an online payment system that checks whether the authentication number transmitted to the terminal 105 matches and performs the online payment processing, a person having ordinary knowledge in the technical field to which the present invention belongs, see FIG. 1 or It is possible to infer various implementation methods for the configuration of the online payment system based on the customer wireless terminal 105, but the present invention includes all the inferred implementation methods, as shown in FIG. The technical characteristics of the implementation method are not limited.

According to another embodiment of the present invention, the online payment system, when a customer who wants to perform payment processing for a predetermined item purchase through a predetermined online affiliate store requests online payment based on the wireless terminal 105 according to the present invention , The payment server 115 provided on or connected to the online affiliate store for payment information of the customer (for example, customer wireless terminal 105 information, payment amount information, purchase item information, etc.) on the communication network 115 To the payment server 115, and when the payment server 115 generates a predetermined authentication number required for online payment, and sends it to the payment request server 110, the payment request server 110 transmits the authentication number to the customer terminal ( For example, to output to the wired terminal (100, etc.) connected to the online affiliate store, and also through the callback wireless message provided by the payment server 115 from the customer wireless terminal 105, or payment server ( 115) When connected through an access code (or access number), the payment server 115 provides an authentication number input interface for inputting the authentication number from the payment server 115 to the customer wireless terminal 105, and the customer wireless terminal 105 When the authentication number output from the wired terminal 100 is input through the authentication number input interface and transmitted to the payment server 115, the payment server 115 outputs the authentication number output from the wired terminal 100. And checking whether the authentication numbers received from the customer wireless terminal 105 match and performing the online payment processing.

According to another embodiment of the present invention, when a customer who wants to perform payment processing for a predetermined item purchase through a predetermined online affiliate store requests online payment based on the wireless terminal 105 according to the present invention, the online affiliate store The payment request server 110 provided or linked to generates an authentication number required for the online payment and outputs it to the customer terminal (eg, a wired terminal 100 connected to the online affiliate store, etc.), and pays the customer When information (for example, customer wireless terminal 105 information, payment amount information, purchase item information, etc.) and an authentication number are transmitted to the payment server 115 on the communication network, the payment server 115 transmits the customer wireless terminal 105 With respect to the online payment system for transmitting the payment history and authentication number, and confirming that the authentication number output from the customer terminal and the authentication number transmitted to the wireless terminal 105 match, and then performing the online payment processing As a thing, a person having ordinary knowledge in the technical field to which the present invention belongs, can refer to this figure 1 or modify various implementation methods for configuring an online payment system based on the customer wireless terminal 105. However, the present invention comprises all the inferred implementation methods, and its technical characteristics are not limited to the implementation methods illustrated in FIG. 1.

According to another embodiment of the present invention, the online payment system requests online payment based on the wireless terminal 105 according to the present invention by a customer who wants to perform payment processing for a predetermined item purchase through a predetermined online affiliate store. Then, the payment request server 110 provided or linked to the online affiliate store generates an authentication number required for the online payment and outputs it to the customer terminal (for example, the wired terminal 100 connected to the online affiliate store). , After transmitting the payment information of the customer (for example, customer wireless terminal 105 information, payment amount information, purchase item information, etc.) and authentication number to the payment server 115 on the communication network, the customer wireless terminal 105 When connected to the payment server 115 through the callback wireless message provided by the payment server 115, or through the payment server 115 access code (or access number), the payment server 115 enables the customer The wireless terminal 105 provides an authentication number input interface for inputting the authentication number, and the customer wireless terminal 105 inputs the authentication number output to the wired terminal 100 through the authentication number input interface to enter the authentication number. When it is transmitted to the payment server 115, the payment server 115 checks whether the authentication number output from the wired terminal 100 and the authentication number received from the customer wireless terminal 105 match and performs the online payment processing. Characterized to be performed.

According to another embodiment of the present invention, the online payment system requests online payment based on the wireless terminal 105 according to the present invention by a customer who wants to perform payment processing for a predetermined item purchase through a predetermined online affiliate store. If it is, the payment request server 110 provided or linked to the online merchant stores the customer's payment information (for example, customer wireless terminal 105 information, payment amount information, purchase item information, etc.) on the communication network 115 ), and when the payment server 115 generates a predetermined authentication number required for online payment, and transmits it to the payment request server 110, the payment request server 110 sends the authentication number to the customer terminal. (E.g., a wired terminal 100 connected to the online affiliate store, etc.), and output from the payment server 115 to the customer wireless terminal 105 as a VM (Virtual Machine) mounted on the customer wireless terminal 105 ) (For example, by providing a signal (or information) for automatically driving the VM including the interface for entering the authentication number, and automatically driving the VM mounted on the customer wireless terminal 105, and then the When the authentication number outputted to the wired terminal 100 is input through the interface included in the VM and transmitted to the payment server 115, the payment server 115 and the authentication number output from the wired terminal 100 It is characterized in that the online payment processing is performed by checking whether the authentication numbers received from the customer wireless terminal 105 match.

Referring to FIG. 1, the online payment system based on the customer wireless terminal 105 includes a customer wired terminal 100 requesting payment processing for purchasing a predetermined item through a predetermined online affiliate store, and the online affiliate store It is provided or linked to, and transmits the payment information of the customer (for example, customer wireless terminal 105 information, payment amount information, purchase item information, etc.) to the payment server 115 on the communication network, and the payment server 115 A payment request server 110 that receives a predetermined authentication number required for online payment from the customer and outputs it through the customer wired terminal 100, and the payment request server 110 and a predetermined communication network (for example, a payment network, etc.) ), and receives payment related information including the customer wireless terminal 105 information (such as the mule◎ wireless terminal 105 number), payment amount information, and purchase item information from the payment request server 110 and , After generating an authentication number for online payment, sending it to the payment request server 110, and transmitting the authentication number and payment history to the customer wireless terminal 105, after confirming whether the authentication number matches, A payment server 115 performing online payment processing, and receiving an authentication number and payment history from the payment server 115, and comparing the received authentication number with the authentication number output on the wired terminal 100 (Or confirmation) characterized in that it comprises a customer wireless terminal 105 for transmitting the details to the payment server 115.

According to another embodiment of the present invention, the online payment system based on the customer wireless terminal 105 includes a customer wired terminal 100 requesting payment processing for purchase of a predetermined item through a predetermined online affiliate store, It is provided or linked to the online affiliate store, and transmits the customer's payment information (eg, customer wireless terminal 105 information, payment amount information, purchase item information, etc.) to the payment server 115 on the communication network, and the payment server Payment request server 110 for receiving a predetermined authentication number required for online payment from 115 and outputting it through the customer wired terminal 100, and the payment request server 110 and a predetermined communication network (for example, Payment network, etc., and receive payment related information including customer wireless terminal 105 information (for example, wireless terminal number), payment amount information, and purchase item information from the payment request server 110, , Generates an authentication number for online payment, transmits it to the payment request server 110, and connects to the payment server 115 through the callback wireless message provided by the payment server 115 from the customer wireless terminal 105, or (115) When connected through a connection code (or access number), an authentication number input interface for inputting the authentication number is provided to the customer wireless terminal 105, and the authentication number input interface is provided from the customer wireless terminal 105. Payment server 115 for performing the online payment processing by comparing the authentication number inputted and transmitted and the authentication number outputted from the wired terminal 100 and confirming the match, and a callback wireless message or payment server 115 Access to the payment server 115 through an access code (or access number), receive an authentication number input interface for entering an authentication number from the payment server 115, and enter an authentication number through the authentication number input interface It characterized in that it comprises a customer wireless terminal 105 to transmit to the payment server 115.

According to another embodiment of the present invention, the online payment system based on the customer wireless terminal 105 includes a customer wired terminal 100 requesting payment processing for purchase of a predetermined product through a predetermined online affiliate store. , It is provided or linked to the online affiliate store, and generates an authentication number for the online payment to be output through the wired terminal 100, and the generated authentication number and payment information of the customer (for example, a customer wireless terminal ( 105) Payment request server 110 that transmits information, payment amount information, purchase item information, etc. to the payment server 115 on the communication network, and the payment request server 110 and a predetermined communication network (for example, payment network, etc.) It is connected through, and receives payment information and authentication number including customer wireless terminal 105 information (for example, wireless terminal number), payment amount information, and purchase item information from the payment request server 110, When the customer wireless terminal 105 connects through a callback wireless message provided by the payment server 115 or through a payment server 115 access code (or access number), the customer wireless terminal 105 Provides an authentication number input interface for inputting the authentication number, and compares the authentication number input and transmitted from the customer wireless terminal 105 through the authentication number input interface with the authentication number output from the wired terminal 100. Payment server 115 that performs the online payment processing by checking whether it matches, and accesses the payment server 115 through a callback wireless message or payment server 115 access code (or access number), and the payment server Characterized in that it comprises a customer wireless terminal 105 for receiving an authentication number input interface for inputting an authentication number from 115 and inputting an authentication number through the authentication number input interface to transmit the authentication number to the payment server 115. Is done.

According to another embodiment of the present invention, the online payment system based on the customer wireless terminal 105 includes a customer wired terminal 100 requesting payment processing for purchase of a predetermined product through a predetermined online affiliate store. , It is provided or linked to the online affiliate store, and generates an authentication number for the online payment to be output through the wired terminal 100, and the generated authentication number and payment information of the customer (for example, a customer wireless terminal ( 105) Payment request server 110 that transmits information, payment amount information, purchase item information, etc. to the payment server 115 on the communication network, and the payment request server 110 and a predetermined communication network (for example, payment network, etc.) It is connected through, and receives payment information and authentication number including customer wireless terminal 105 information (for example, wireless terminal number), payment amount information, and purchase item information from the payment request server 110, After transmitting the authentication number and payment history to the customer wireless terminal 105, after confirming whether the authentication number matches, the payment server 115 performing online payment processing and the authentication number from the payment server 115 And a customer wireless terminal 105 receiving the payment history and transmitting a comparison (or confirmation) of the received authentication number and the authentication number output on the wired terminal 100 to the payment server 115. Characterized in that it comprises.

The customer wired terminal 100 on the online payment system based on the customer wireless terminal 105 is a generic term for all terminal devices connected to a Transmission Control Protocol/Internet Protocol (TCP/IP)-based communication network, and is based on the TCP/IP A desktop computer and/or notebook connected to a communication network, or a home appliance terminal connected to the TCP/IP-based communication network (for example, a set-top box), or a TCP/IP-based communication network It is preferred to include at least one kiosk or the like.

The customer wireless terminal 105 on the online payment system based on the customer wireless terminal 105 is connected to all terminal devices connected to a CDMA (Code Division Multiple Access)-based mobile communication network, or IEEE 802.16x-based mobile Internet. As a general term for all terminal devices or all terminal devices connected to Motorola's DataTAC method or Erricson's Mobitex method wireless data communication network, a personal communication system (PCS) or GSM (Global System for GSM) connected to the CDMA-based mobile communication network. Mobile communications) terminal or Personal Digital Cellular (PDC) or Personal Handyphone System (PHS) terminal or Personal Digital Assistant (PDA) or smart phone or Telematics, or It is preferable to include at least one mobile Internet terminal connected to the IEEE 802.16x-based portable Internet, or a wireless data communication terminal connected to the DataTAC/Mobitex-based wireless data communication network.

According to an exemplary embodiment of the present invention, the customer wireless terminal 105 may be equipped with a virtual machine (VM) for inputting and transmitting an authentication number transmitted to the customer wired terminal to the payment server 115, In this case, when requesting online payment based on the wireless terminal 105 according to the present invention, the payment server 115 generates a signal (or information) for automatically driving the VM mounted on the customer wireless terminal 105. The VM installed in the customer wireless terminal 105 is automatically driven through the transmitted signal (or information), and outputs an interface for the customer to input the authentication number transmitted to the customer wired terminal, and the The authentication number is input through the interface and transmitted to the payment server 115.

Figure 2 is a diagram showing the configuration of a payment server 115 for online payment based on a customer wireless terminal 105 according to an embodiment of the present invention.

In more detail, this figure 2 is based on the wireless terminal 105 according to the present invention for a customer who wants to perform a payment process for a purchase of a predetermined product through a predetermined online affiliated store on the online payment system shown in FIG. 1. When payment is requested, the payment information of the customer (eg, customer wireless terminal 105 information, payment amount information, purchase item information, etc.) is received from the payment request server 110 provided or linked to the online affiliate store, Generates a predetermined authentication number required for the online payment, and transmits the authentication number from the payment request server 110 to the customer terminal (for example, a wired terminal connected to the online affiliate store) by sending it to the payment request server 110 100), etc., and also transmits the payment history and authentication number to the customer wireless terminal 105, so that the authentication number output from the customer terminal matches the authentication number sent to the wireless terminal 105. As for the configuration of the payment server 115 to check whether the online payment processing is performed, if a person having ordinary knowledge in the technical field to which the present invention belongs, refer to or modify the figure 2 to pay on the online payment system Various implementation methods of the server 115 may be inferred, but the present invention includes all the inferred implementation methods, and its technical characteristics are not limited to only the implementation methods illustrated in FIG. 2.

Although the payment server 115 on the customer wireless terminal 105-based online payment system is illustrated as one server in FIG. 2, this is only an implementation method for effectively describing the technical features of the present invention, and the payment server Various functional components constituting the may be implemented through at least two separate servers (or devices), and the present invention is not limited thereto.

Referring to FIG. 2, the payment server 115 includes an interface unit 200 for connecting and managing at least one payment request server 110 and a communication channel for transmitting and receiving payment related information (or full text) through a communication network. In connection with the interface unit 200, an information receiving unit 205 for receiving payment related information (or full text) including customer wireless terminal 105 information, payment amount information, and purchase item information from the payment request server 110 ), an information confirmation unit 215 for checking the information of the customer wireless terminal 105 included in the received payment related information (or full text), and an authentication number to be transmitted to the customer wireless terminal 105, and The information generation unit 220 for generating a message including an authentication number and a payment history, and the generated authentication number (or information including the authentication number (text)) through the communication network to the payment request server 110 From the information transmission unit 210 and the message transmission unit 225 to provide a message containing the generated authentication number and payment history to the customer wireless terminal 105, and the customer wireless terminal 105 When the authentication number confirmation information is received, it characterized in that it comprises a payment processing unit 240 for performing a payment processing corresponding to the payment-related information.

When the payment request server 110 transmits payment related information (or full text) including the wireless terminal 105 information of the payment request customer, payment amount information, and purchase item information, the information receiving unit 205 is the It is characterized in that in connection with the interface unit 200 receives the payment related information (or full text).

Here, the payment related information (or full text) may be configured to further include the online merchant information.

The information checker 215 checks customer wireless terminal 105 information, payment amount information, purchase item information, and the online merchant information included in payment related information (or full text) received through the information receiving unit 205. It is characterized by.

When the information generation unit 220 confirms the wireless terminal 105 information, payment amount information, purchase item information, online merchant information, etc. through the information confirmation unit 215, it is transmitted to the customer wireless terminal 105. Characterized in that the authentication number is generated, the generated authentication number is provided to the information transmission unit (210).

Here, the authentication number is preferably generated through a predetermined random number generation algorithm.

In addition, the information generation unit 220 is characterized in that it generates a message containing the authentication number and payment history to be transmitted to the customer wireless terminal 105, the generated wireless access message is the message transmission unit 225 ).

According to an embodiment of the present invention, the information generation unit 220 generates a signal (or information) for automatically driving a virtual machine (VM) having an authentication number input interface mounted on the customer wireless terminal 105. It is characterized by.

The information transmission unit 210 transmits the authentication number (or information (authentication) including the authentication number) generated through the information generation unit 220 to the payment request server 110 through the communication network. It is characterized by.

Here, it is preferable that the authentication number provided to the payment request server 110 is output through the wired terminal 100, and the output authentication number is later provided to the wireless terminal 105 by the payment requesting customer. It is characterized by being used to compare with the authentication number.

The message transmission unit 225 is characterized in that through the information generation unit 220 provides a message including the authentication number and payment history to the customer wireless terminal 105.

According to an embodiment of the present invention, the message transmission unit 225 automatically drives a virtual machine (VM) having an authentication number input interface mounted on the customer wireless terminal 105 through the information generation unit 220. When a signal (or information) to be generated is generated, the generated automatic driving signal (or information) is provided to the customer wireless terminal 105.

Here, the VM automatic driving signal (or information) provided to the customer wireless terminal 105 through the message transmission unit 225 is output to the customer wireless terminal 105 at the time when it is transmitted to the customer wireless terminal 105. If not, the VM automatic driving signal (or information) is transmitted to the customer wireless terminal 105, the VM mounted on the customer wireless terminal 105 is automatically driven.

The payment processing unit 240, when the authentication confirmation information (or payment request information according to the authentication confirmation) for the authentication number from the customer wireless terminal 105 is transmitted, to perform the payment processing corresponding to the payment related information It is characterized by.

According to another embodiment of the present invention, the payment server 115, the interface unit for connecting and managing at least one payment request server 110 and a communication channel for transmitting and receiving payment related information (or full text) through a wireless communication network 200, and in connection with the interface unit 200 receives payment related information (or full text) including customer wireless terminal 105 information, payment amount information, and purchase item information from the payment request server 110 An information receiving unit 205, an information checking unit 215 for checking the information of the customer wireless terminal 105 included in the received payment related information (or full text), and an authentication number to be transmitted to the customer wireless terminal 105 Information generation unit 220 for generating, and the information transmission unit 210 for transmitting the generated authentication number (or information (authentication) containing the authentication number) to the payment request server 110 through the communication network , Check the connection of the customer wireless terminal 105 and the message transmitting unit 225 providing the connection message for the wireless connection to the customer wireless terminal 105, the customer wireless terminal 105, the identified customer Connection processing unit 230 that provides a predetermined authentication number input interface for entering an authentication number to the wireless terminal 105, and an authentication processing unit 235 that processes authentication for the authentication number received from the customer wireless terminal 105 And, when the authentication for the authentication number is successfully completed, characterized in that it comprises a payment processing unit 240 for performing a payment process corresponding to the payment related information.

When the connection of the customer wireless terminal 105 is confirmed through the wireless connection message, the connection processing unit 230 provides a predetermined authentication number input interface for inputting an authentication number to the checked customer wireless terminal 105. It is characterized by.

In addition, the connection processing unit 230 is characterized in that it further provides payment-related information including the payment amount information, purchase item information, online merchant information, to check the payment history of the customer.

* The authentication processing unit 235 is generated corresponding to the authentication number and the payment related information provided from the customer wireless terminal 105 through the connection processing unit 230 (or transmitted to the customer wireless terminal 105) It is characterized in that by comparing the authentication number, it is characterized in that it matches, the authentication number matching result is provided to the payment processing unit 240.

*

*

* The payment processing unit 240 is characterized in that when the authentication for the authentication number received from the connected customer wireless terminal 105 is successfully completed, it performs payment processing corresponding to the payment related information.

According to another embodiment of the present invention, the payment server 115 is an interface that connects and manages at least one payment request server 110 and a communication channel for transmitting/receiving payment-related information (or full text) through a wireless communication network. Payment related information (or full text) and payment including the customer wireless terminal 105 information, payment amount information, and purchase item information from the payment request server 110 in connection with the unit 200 and the interface unit 200 Information receiving unit 205 for receiving the authentication number for, and the information checker 215 for checking the customer wireless terminal 105 information contained in the received payment related information (or full text), and the customer wireless terminal ( 105) A message transmission unit 225 that provides a connection message for wireless connection to the customer wireless terminal 105, and confirms the connection of the customer wireless terminal 105, to the identified customer wireless terminal 105. The connection processing unit 230 provides a predetermined authentication number input interface for entering an authentication number, an authentication processing unit 235 for processing authentication for the authentication number received from the customer wireless terminal 105, and the authentication number. When the authentication for the successful completion, it characterized in that it comprises a payment processing unit 240 for performing a payment processing corresponding to the payment-related information.

According to another embodiment of the present invention, the payment server 115 is an interface that connects and manages at least one payment request server 110 and a communication channel for transmitting/receiving payment-related information (or full text) through a wireless communication network. Payment related information (or full text) and payment including the customer wireless terminal 105 information, payment amount information, and purchase item information from the payment request server 110 in connection with the unit 200 and the interface unit 200 Information receiving unit 205 for receiving the authentication number for, and the information checker 215 for checking the customer wireless terminal 105 information contained in the received payment related information (or full text), and the customer wireless terminal ( 105) an information generating unit 220 for generating a message including an authentication number and a payment history to be transmitted, and a message transmission unit providing a message including the generated authentication number and a payment history to the customer wireless terminal 105 It characterized in that it comprises a (225), and payment processing unit 240 for performing payment processing corresponding to the payment-related information when the authentication number confirmation information is received from the customer wireless terminal (105).

3 is a diagram showing the configuration of a payment request server 110 for online payment based on a customer wireless terminal 105 according to an embodiment of the present invention.

In more detail, this figure 3 is based on the wireless terminal 105 according to the present invention for a customer who wants to perform a payment process for purchasing a predetermined item through a predetermined online affiliated store on the online payment system shown in FIG. 1. When payment is requested, the customer's payment information (eg, customer wireless terminal 105 information, payment amount information, purchase item information, etc.) is transmitted to the payment server 115 on the communication network, and the payment server 115 As for the configuration of the payment request server 110 to output the authentication number to the customer terminal (for example, the wired terminal 100 connected to the online merchant) when a predetermined authentication number necessary for online payment is received, If a person having ordinary knowledge in the technical field to which the present invention belongs, it will be possible to infer various implementation methods for the configuration of the payment request server 110 on the online payment system by referring to or modifying this drawing. It is made including all the inferred implementation methods, and its technical characteristics are not limited to only the implementation methods illustrated in FIG. 3.

In FIG. 3, the payment request server 110 on the customer wireless terminal 105-based online payment system is illustrated as one server, but this is only an implementation method for effectively describing the technical features of the present invention, and the payment Various functional components constituting the request server 110 may be implemented through at least two separate servers (or devices), and the present invention is not limited thereto.

Referring to FIG. 3, the payment request server 110 includes an interface unit 300 for connecting and managing at least one payment server 115 and a communication channel for transmitting and receiving payment related information (or full text) through a communication network. , In connection with the interface unit 300, the information transmission unit 310 that transmits payment related information (or full text) including the customer wireless terminal 105 information, payment amount information, and purchase item information to the payment server 115 ), the information receiving unit 305 for receiving the authentication number for payment from the payment server 115 in connection with the interface unit 300, and provides the received authentication number to the payment request customer wired terminal 100 It characterized in that it comprises an information output unit 320 to output to.

The information transmission unit 310, if a customer who wants to perform payment processing for a predetermined item purchase through a predetermined online affiliate store requests online payment based on the wireless terminal 105 according to the present invention, the interface unit 300 ) In connection with the payment server 115, characterized in that it transmits payment related information (or full text) including customer wireless terminal 105 information, payment amount information, and purchase item information.

When the authentication number for payment is generated in the payment server 115, the information receiving unit 305 receives the generated authentication number from the payment server 115 in connection with the interface unit 300. The authentication number is provided to the information output unit 320.

When the authentication number for payment is received through the information receiving unit 305, the information output unit 320 associates the received authentication number with the interface unit 300 to request the online payment by the customer wired terminal 100 It is characterized in that to provide the output.

According to another embodiment of the present invention, the payment request server 110, the interface unit for connecting and managing at least one payment server 115 and a communication channel for transmitting and receiving payment related information (or full text) through a communication network ( 300), when an online payment based on the wireless terminal 105 according to the present invention is requested, the authentication number generation unit 315 for generating a predetermined authentication number for the online payment, and the interface unit 300 By the payment server 115, the customer wireless terminal 105, payment amount information, information related to payment including purchase information (or full text) and the information transmission unit 310 for transmitting the generated authentication number, It characterized in that it comprises an information output unit 320 for providing the generated authentication number to the payment request customer wired terminal 100 to output.

The authentication number generation unit 315 is characterized in that it generates an authentication number to be transmitted to the online payment request customer wireless terminal 105.

Here, the authentication number is preferably generated through a predetermined random number generation algorithm.

4 is a diagram illustrating a customer wireless terminal 105-based online payment process according to an embodiment of the present invention.

In more detail, this figure 4 is based on the wireless terminal 105 according to the present invention by a customer who wants to perform a payment processing for a predetermined product purchase through a predetermined online affiliate store on the online payment system shown in FIG. 1. When online payment is requested, the payment information of the customer (eg, customer wireless terminal 105 information, payment amount information, purchase) from the payment request server 110 provided or linked to the online affiliate store at the payment server 115 Product information, etc.), generates a predetermined authentication number required for the online payment, and transmits the authentication number to the payment request server 110 to the payment request server 110 to the customer terminal (for example, the The wired terminal (100, etc.) connected to the online affiliate store, and also transmits the payment history and authentication number to the customer wireless terminal (105), the authentication number output from the customer terminal and the wireless terminal (105) ) To confirm whether the authentication number transmitted is the same as the process of performing the online payment processing. If the person having ordinary knowledge in the technical field to which the present invention belongs, refer to or modify the figure 4 to perform the online payment process. Various implementation methods may be inferred, but the present invention includes all the inferred implementation methods, and its technical characteristics are not limited to only the implementation methods illustrated in FIG. 4.

Referring to FIG. 4, when the customer wired terminal 100 requests payment based on the wireless terminal 105 for the purchase of a predetermined item through an online affiliate store (400), a payment request server provided or linked to the online affiliate store ( In step 110), the customer payment information (eg, customer wireless terminal 105 information, payment amount information, purchase item information, etc.) is transmitted to the payment server 115 on the communication network (405).

Then, the payment server 115 receives payment information including the customer wireless terminal 105 information, payment amount information, purchase item information, etc., and generates an authentication number for online payment (410).

When the authentication number for the online payment is generated, the payment server 115 transmits the generated authentication number to the payment request server 110 (415), and the payment request server 110 receives the authentication number. , To output through the payment request customer wired terminal 100 (420).

On the other hand, the payment server 115 checks the information of the customer wireless terminal 105 included in the payment information (425), and transmits the payment details and authentication number to the checked customer wireless terminal 105 (430). , Wait for confirmation of the authentication number from the customer wireless terminal 105 (435).

Here, the customer can check the authentication number transmitted to the wireless terminal 105 and the authentication number output to the wired terminal 100, and when the verification is completed, the payment server (through the wireless terminal 105) ( 115) may transmit authentication number confirmation (or payment request confirmation) information.

If the authentication number is not confirmed from the customer wireless terminal 105 (440), the payment server 115 generates a payment processing error message to the payment request server 110 and the customer wireless terminal 105. Transmit (445).

On the other hand, when the authentication number is confirmed from the customer wireless terminal 105 (440), the payment server 115 performs payment processing corresponding to the payment information (450).

5 is a diagram illustrating a customer wireless terminal 105-based online payment process according to another embodiment of the present invention.

In more detail, this figure 5 is based on the wireless terminal 105 according to the present invention by a customer who wants to perform a payment processing for a predetermined product purchase through a predetermined online merchant on the online payment system shown in FIG. When online payment is requested, the payment information of the customer (eg, customer wireless terminal 105 information, payment amount information, purchase) from the payment request server 110 provided or linked to the online affiliate store at the payment server 115 Product information, etc.), generates a predetermined authentication number required for the online payment, and transmits the authentication number to the payment request server 110 to the payment request server 110 to the customer terminal (for example, the Output to a wired terminal (100, etc.) connected to an online affiliate store, and also through a callback wireless message from the customer wireless terminal (105), or through a payment server (115) access code (or access number). If so, an authentication number input interface for inputting the authentication number is provided to the connected customer wireless terminal 105, and the customer wireless terminal 105 is output to the wired terminal 100 through the authentication number input interface. When the authentication number is input and transmitted, the authentication number output from the wired terminal 100 and the authentication number received from the customer wireless terminal 105 are matched to perform the online payment processing. A person having ordinary knowledge in the technical field to which the present invention belongs may be able to infer various implementation methods for the online payment process by referring to or modifying this drawing 5, but the present invention includes all the inferred implementation methods. It is made, and the technical features are not limited only by the implementation method illustrated in FIG. 5.

For example, in the process of performing payment processing for a predetermined item purchase through an online affiliate store, when the customer requests online payment based on the wireless terminal 105 according to the present invention, payment provided or linked to the online affiliate store The request server 110 transmits the customer's payment information (eg, customer wireless terminal 105 information, payment amount information, purchase item information, etc.) to the payment server 115 on the communication network, and the payment server 115 When a predetermined authentication number required for online payment is generated and transmitted to the payment request server 110, the payment request server 110 transmits the authentication number to the customer terminal (for example, a wired terminal connected to the online affiliate store ( 100), and the payment server 115 to the customer wireless terminal 105, the VM (Virtual Machine) mounted on the customer wireless terminal 105 (e.g., an interface for entering an authentication number) Provides a signal (or information) for automatically driving the included VM, and automatically drives the VM mounted on the customer wireless terminal 105, and then the wired terminal 100 through an interface included in the driven VM. ), the authentication number output from the wired terminal 100 in the payment server 115 and the authentication number received from the customer wireless terminal 105 when the authentication number output to the payment server 115 is input and transmitted. It is also possible to check whether the match is to perform the online payment processing.

Referring to FIG. 5, when the customer wired terminal 100 requests payment based on the wireless terminal 105 for the purchase of a predetermined item through an online affiliate store (500), a payment request server provided or linked to the online affiliate store ( In step 110), the customer payment information (eg, customer wireless terminal 105 information, payment amount information, purchase item information, etc.) is transmitted to the payment server 115 on the communication network (505).

Then, the payment server 115 receives payment information including the customer wireless terminal 105 information, payment amount information, purchase item information, etc., and generates an authentication number for online payment (510).

When the authentication number for the online payment is generated, the payment server 115 transmits the generated authentication number to the payment request server 110 (515), and the payment request server 110 receives the authentication number. , To output through the wired terminal 100 of the payment request customer (520).

On the other hand, the payment server 115 checks the customer wireless terminal 105 information included in the payment information (525), and transmits a callback message for wireless connection to the checked customer wireless terminal 105 (530) ), and waits for a wireless connection from the customer wireless terminal 105 (535).

In addition, according to another embodiment of the present invention, when the payment server 115 is equipped with a virtual machine (VM) for entering/transmitting an authentication number to the customer wireless terminal 105, the customer wireless terminal 105 ) May transmit a signal (or information) for automatically driving the VM mounted on the customer wireless terminal 105.

In this case, when the VM mounted on the customer wireless terminal 105 is automatically driven, the customer enters the verified authentication number into the authentication number input interface provided through the automatically driven VM, and the VM is the entered authentication. The number can be transmitted to the payment server 115.

Thereafter, the payment server 115, when the connection of the customer wireless terminal 105 is confirmed (540), the payment server 115 provides an authentication number input interface for entering the authentication number to the customer wireless terminal (105). (545).

Here, the customer checks the authentication number output to the wired terminal 100 and inputs the verified authentication number on the authentication number input interface through a predetermined key input means provided in the customer wireless terminal 105. It can be transmitted to the payment server 115.

Then, when the authentication number is received through the interface, the payment server 115 performs authentication verification on the received authentication number (550).

Here, the authentication check is characterized in that it compares the generated (sent to the payment request server 110) authentication number and the authentication number sent from the customer wireless terminal 105 to check whether they match.

If the authentication number is not authenticated (555), the payment server 115 generates a payment processing error message and transmits it to the payment request server 110 and the customer wireless terminal 105 (560).

On the other hand, when authentication for the authentication number is made (555), the payment server 115 performs payment processing corresponding to the payment information (565).

6 is a diagram illustrating a customer wireless terminal 105-based online payment process according to another embodiment of the present invention.

In more detail, this figure 6 is based on the wireless terminal 105 according to the present invention for a customer who wants to perform a payment process for a purchase of a predetermined item through a predetermined online merchant on the online payment system shown in FIG. 1. When an online payment is requested, an authentication number for the online payment is generated by the payment request server 110 provided or connected to the online affiliate store, and the customer terminal (for example, the wired terminal 100 connected to the online affiliate store) Etc.), and when the payment information of the customer (for example, customer wireless terminal 105 information, payment amount information, purchase item information, etc.) and authentication number are transmitted to the payment server 115, the payment server ( In 115), the authentication number is also transmitted to the customer wireless terminal 105 to check whether the authentication number output from the customer terminal matches the authentication number sent to the wireless terminal 105. Thus, as for the process of performing the online payment processing, a person having ordinary knowledge in the technical field to which the present invention pertains, can refer to or modify this drawing 6 to infer various implementation methods for the online payment process. However, the present invention comprises all the inferred implementation methods, and its technical characteristics are not limited to only the implementation methods illustrated in FIG. 6.

Referring to FIG. 6, when the customer wired terminal 100 requests payment based on the wireless terminal 105 for the purchase of a predetermined item through an online affiliate store (600), a payment request server provided or linked to the online affiliate store ( In step 110), an authentication number for online payment is generated (605).

The payment request server 110 outputs the generated authentication number through the payment request customer wired terminal 100 (610), and the customer payment information (eg, customer wireless terminal 105 information, payment amount information) , Purchase goods information, etc.) and authentication number to the payment server 115 on the communication network (615 ).

Then, the payment server 115 receives payment information including the customer wireless terminal 105 information, payment amount information, purchase item information, and the authentication number, and the customer wireless terminal 105 included in the payment information ) Check the information (620).

Then, the payment server 115 transmits a payment history and an authentication number to the verified customer wireless terminal 105 (625), and waits for verification of the authentication number from the customer wireless terminal 105 (630).

Here, the customer can check the authentication number transmitted to the wireless terminal 105 and the authentication number output to the wired terminal 100, and when the verification is completed, the payment server (through the wireless terminal 105) ( 115) may transmit authentication number confirmation (or payment request confirmation) information.

If the authentication number is not verified from the customer wireless terminal 105 (635), the payment server 115 generates a payment processing error message to the payment request server 110 and the customer wireless terminal 105. Transmit (640).

On the other hand, when the authentication number is confirmed from the customer wireless terminal 105 (635), the payment server 115 performs payment processing corresponding to the payment information (645).

7 is a view showing a customer wireless terminal 105-based online payment process according to another embodiment of the present invention.

*

*

*

In more detail, this figure 7 is based on the wireless terminal 105 according to the present invention by a customer who wants to perform payment processing for a predetermined item purchase through a predetermined online merchant on the online payment system shown in FIG. When an online payment is requested, an authentication number for the online payment is generated by the payment request server 110 provided or connected to the online affiliate store, and the customer terminal (for example, the wired terminal 100 connected to the online affiliate store) Etc.), and transmit the payment information of the customer (for example, customer wireless terminal 105 information, payment amount information, purchase item information, etc.) and authentication number to the payment server 115, the payment server In 115), when the customer wireless terminal 105 accesses through a callback wireless message or through a payment server 115 access code (or access number), the authentication number is sent to the customer wireless terminal 105. When the authentication number input interface for input is provided, and the customer wireless terminal 105 inputs and transmits the authentication number output to the wired terminal 100 through the authentication number input interface, the wired terminal 100 As for the process of performing the online payment processing by confirming whether the authentication number output and the authentication number received from the customer wireless terminal 105 are consistent, if a person having ordinary knowledge in the technical field to which the present invention belongs, this Various implementation methods for the online payment process may be inferred by referring to or modifying FIG. 7, but the present invention includes all the inferred implementation methods, and the technical features of the implementation method shown in FIG. This is not limited.

Referring to FIG. 7, when the customer wired terminal 100 requests payment based on the wireless terminal 105 for the purchase of a predetermined item through the online affiliate store 700, the payment request server provided or linked to the online affiliate store ( In step 110), an authentication number for online payment is generated (705).

The payment request server 110 to output the generated authentication number through the payment request customer wired terminal 100 (710), the customer payment information (eg, customer wireless terminal 105 information, payment amount information) , Purchase goods information, etc.) and an authentication number to the payment server 115 on the communication network (715 ).

Then, the payment server 115 receives payment information including the customer wireless terminal 105 information, payment amount information, purchase item information, and the authentication number, and the customer wireless terminal 105 included in the payment information ) Check the information (720).

Then, the payment server 115 transmits a callback message for wireless access to the identified customer wireless terminal 105 (725), and waits for a wireless connection from the customer wireless terminal 105 (730).

Subsequently, when the connection of the customer wireless terminal 105 is confirmed (735), the payment server 115 provides an authentication number input interface for inputting an authentication number to the customer wireless terminal 105. (740).

Here, the customer checks the authentication number output to the wired terminal 100 and inputs the verified authentication number on the authentication number input interface through a predetermined key input means provided in the customer wireless terminal 105. It can be transmitted to the payment server 115.

In addition, according to another embodiment of the present invention, when the payment server 115 is equipped with a virtual machine (VM) for entering/transmitting an authentication number to the customer wireless terminal 105, the customer wireless terminal 105 ) May transmit a signal (or information) for automatically driving the VM mounted on the customer wireless terminal 105.

In this case, when the VM mounted on the customer wireless terminal 105 is automatically driven, the customer enters the verified authentication number into the authentication number input interface provided through the automatically driven VM, and the VM is the entered authentication. The number can be transmitted to the payment server 115.

Then, when the authentication number is received through the interface, the payment server 115 performs authentication verification on the received authentication number (745).

Here, the authentication check is characterized in that it compares the generated (sent to the payment request server 110) authentication number and the authentication number sent from the customer wireless terminal 105 to check whether they match.

If the authentication for the authentication number is not made (750), the payment server 115 generates a payment processing error message and transmits it to the payment request server 110 and the customer wireless terminal 105 (755).

On the other hand, when authentication for the authentication number is made (750), the payment server 115 performs payment processing corresponding to the payment information (760).

8 is a diagram illustrating a screen output to the customer wireless terminal 105 during a wireless payment process based on the customer wireless terminal 105 according to an embodiment of the present invention.

In more detail, this figure 8 is based on the wireless terminal 105 according to the present invention by a customer who wants to perform a payment process for a predetermined item purchase through a predetermined online affiliate store on the online payment system shown in FIG. 1. When an online payment is requested, payment information of the customer (for example, customer wireless terminal 105 information, payment amount information, purchase item information, etc.) on the communication network is provided on the payment request server 110 provided or linked to the online affiliate store. When the payment is sent to the payment server 115, and the payment server 115 generates a predetermined authentication number required for online payment, and sends it to the payment request server 110, the payment request server 110 is the authentication number After outputting to the customer terminal (for example, a wired terminal 100 connected to the online merchant), the payment server 115 transmits the payment history and authentication number to the customer wireless terminal 105 In addition, the payment request server 110 provided or linked to the online affiliate store provides payment information of the customer (eg, customer wireless terminal 105 information, payment amount information, purchase item information, etc.) on the communication network 115 ), and when the payment server 115 generates a predetermined authentication number required for online payment, and sends it to the payment request server 110, the payment request server 110 sends the authentication number to the customer terminal. (E.g., wired terminal 100 connected to the online affiliate store, etc.) to be output, and also from the customer wireless terminal 105 through the callback wireless message provided by the payment server 115, or payment server (115) When connected through an access code (or access number), the payment server 115 provides an authentication number input interface for entering the authentication number to the customer wireless terminal 105 to input the authentication number. By showing the screen, a person having ordinary knowledge in the technical field to which the present invention belongs, refer to or modify this figure 8 to the customer wireless terminal 105 during the online payment process based on the customer wireless terminal 105. Output It can be inferred a variety of implementation methods for the screen, but the present invention includes all the inferred implementation methods, and its technical characteristics are not limited to only the implementation methods illustrated in FIG. 8.

100: wired terminal 105: wireless terminal
110: payment request server 115: payment server

Claims (4)

In the method executed through a payment server that can communicate with a customer's wireless terminal that has installed a program having a designated payment server access code, and can communicate with a payment request server that communicates with a terminal that requests payment from the customer,
A first step of receiving and maintaining payment-related information for requesting payment through a customer wireless terminal via the payment request server from the terminal;
A second step of providing an authentication number generated in response to the payment related information to the payment request server-the authentication number is provided to the terminal via the payment request server;
A third step of providing a signal (or information) for driving a program having a payment server access code designated as the customer wireless terminal;
A fourth step of authenticating whether a program having a payment server access code designated by a customer wireless terminal is driven to access using a payment server access code provided in the program;
A fifth step of confirming the authentication number received through the program of the customer wireless terminal authenticated when the connection is authenticated through the payment server access code;
A sixth step of authenticating the validity of the authentication number received through the program of the access-authenticated customer wireless terminal by using at least one authentication number provided to the payment request server; And
A seventh step of performing a procedure for processing payment by checking payment related information corresponding to the authentication number when authenticating the validity of the authentication number received through the program of the access authenticated customer wireless terminal. App-based payment processing method using a terminal.
According to claim 1, The authentication number,
It is created through the payment request server and shared with the payment server, or
App-based payment processing method using a wireless terminal, characterized in that generated through the payment server and shared with the payment request server.
According to claim 1,
App-based payment processing method using a wireless terminal, characterized in that it further comprises the step of providing a payment history corresponding to the payment related information with the program of the customer wireless terminal.
According to claim 3,
App-based payment processing method using a wireless terminal characterized in that it further comprises the step of receiving information requesting payment processing for the payment history from the program of the customer wireless terminal based on the customer confirmation of the payment history. .

Images