WO2009119976A2

WO2009119976A2 - Payment device with improved update system of payment means and control method for same

Info

Publication number: WO2009119976A2
Application number: PCT/KR2009/000730
Authority: WO
Inventors: 이만인
Original assignee: Lee Manin
Priority date: 2008-03-25
Filing date: 2009-02-16
Publication date: 2009-10-01
Also published as: WO2009119976A3; KR100842846B1

Abstract

The present invention relates to a system and a method for payment or money transfer or the like for online/offline transactions. A payment device of the present invention downloads a total payment program in a memory side of a mobile terminal and registers and stores at least one or more payment means in the memory side. The payment device of the present invention transmits payment request information in accordance with a purchase to a specific mobile terminal side upon occurrence of a purchase request for a specific product of a specific franchise. The specific mobile terminal side selectively displays an available final payment means list such that payment for the purchase is conducted by specific payment means selected from the displayed final payment means list.

Description

Payment device with improved update method of payment method and its control method

The present invention relates to payments that occur on-line or off-line, and more particularly, to a payment device and a method of controlling the method of improving an update method of a payment means.

As IT services develop, the electronic payment business, which is the foundation business, is also growing along with it. In addition, the number of users, operators, and economies of electronic payment business is increasing rapidly. For reference, the electronic payment business may be classified into an offline payment method and an online payment method.

The off-line payment method, for example, means an electronic payment using a credit card, and a method of transferring credit card information to a VAN company using a credit card terminal is generally used. Recently, a payment method for wirelessly contacting a terminal using a 3G mobile phone IC chip to receive credit card information, input a payment password into a corresponding mobile phone for approval, and request / complete an approval is also discussed.

As the online payment method, the user pays the corresponding amount through online payment such as the Internet and pays by credit card, bank transfer, mobile phone, ARS, gift certificate, or convenience store, and has been actively used recently due to the spread of the Internet. .

However, the electronic payment method on the online or offline according to the prior art had the following problems.

First, in the related art, when a payment means or a payment service is to be added, the procedure is very complicated, and required manpower, cost, and resources have considerable problems. More specifically, for example, in the case of offline, a credit card terminal is necessary for credit card payment, and another expensive input device is required to use a bank transfer payment service. On the other hand, in the case of online cash difficult to provide more electronic payment means (services) than offline. Therefore, in order to add and remove a payment means (service), modification or development work of the payment window (or payment information input window) is necessary. For this reason, it is not easy to modify the payment means, there is a problem that is very inefficient in terms of economics, such as a separate department or manpower to manage the payment means (service).

In addition, in the related art, since payment information for payment is transmitted to a seller, there is a fatal disadvantage in the security problem of electronic payment. In particular, with the recent memory hacking issue, the severity of such problems is increasing.

In addition, in the related art, a separate additional authentication such as an accredited certificate, a mobile phone authentication, and an ARS authentication was required, which wastes a lot of time and has a problem in that a considerable cost is required in providing related services.

In addition, conventionally, there is no system for managing electronic payments made in various online / offline through one unified route, and there is a problem in that various electronic payments cannot be easily checked from the user's point of view.

SUMMARY OF THE INVENTION The present invention has been made to solve the above-mentioned problems of the prior art, and when it is desired to add an electronic payment means or a payment service on-line / offline, the procedure is greatly simplified, and the required manpower, cost, and resources are greatly reduced. To provide a system that can.

In addition, the present invention is to provide a system that can completely eliminate the risk of payment information leakage by managing separately in the mobile terminal, without transferring payment information for payment to the seller side.

In addition, the present invention is to provide a system that does not require the installation of a separate authentication / security tools for electronic transactions.

In addition, the present invention is to provide a system that can easily manage the electronic payment made in various online / offline through one unified route.

In order to achieve the above object and to solve the above-mentioned problems of the prior art, an embodiment of the present invention, the step of downloading a total payment program to the memory side of the mobile terminal, the execution of the downloaded total payment program According to claim 1, at least one of the first payment means list is registered, and stored in the memory side, when a purchase request for a specific product of a particular merchant, a specific mobile terminal that can proceed with the payment process according to the purchase The step of inputting the identification number of the, and using the inputted identification number, to the specific mobile terminal side, the payment request information according to the purchase and at least one second payment means list available at the particular merchant side In the step of the specific mobile terminal, it is associated with the previously stored first payment means list. Comparing the transmitted second payment means list to selectively display a list of available final payment means, and if a specific payment means is selected from the displayed final payment means list, The control may be provided to make the payment according to the.

In addition, another embodiment of the present invention, in the mobile terminal of the payment system improved the update method of the payment means, at least one according to the download unit for downloading the total payment program, and the execution of the downloaded total payment program A memory unit for registering and storing the above first payment means list, a receiving unit for receiving, from an authentication server, payment request information for a specific product of a specific merchant and at least one second payment means list available at the specific merchant; A display unit configured to compare the previously stored first payment means list with the received second payment means list and selectively display a list of available final payment means; and a specific payment of the displayed final payment means list. If a means is selected, it is mapped to the specific payment means Transmission can be provided for transmitting the group call billing information to the request the authentication server.

Further, another embodiment of the present invention, in the authentication server of the payment system to improve the update method of the payment means, when a purchase request for a specific product of a particular merchant occurs, at least one first payment means list At least one or more available from the receiving unit for receiving the identification number of the specific mobile terminal registered and stored, and the payment request information according to the purchase and the specific merchant side to the specific mobile terminal using the input identification number. And a transmission unit for transmitting a second payment means list, and from the specific mobile terminal side, the payment request information mapped to the specific payment means among the payment means duplicated in the first payment means list and the second payment means list. The communication with the payment server and the approving company corresponding to the specific payment method. To the payment it can be provided a control unit for controlling so made.

According to the present invention, if you want to add the electronic payment means or payment service on-line / offline, the procedure can be greatly simplified and the required manpower, cost, and resources can be greatly reduced.

More specifically, for example, from the seller's point of view of the online electronic payment, in the prior art, it is necessary to add a payment method to the payment page when adding a new payment method, but according to the present invention, possible payment Since the means are delivered to a total payment program such as a mobile terminal, the seller does not need to perform any additional work at all.

On the other hand, from the seller's point of view of the offline electronic payment, in the past, the electronic payment means of the offline merchant is limited to a credit card terminal, but according to the present invention, a personal identification code (for example, a mobile phone number, etc.) input through a credit card terminal. ), It is possible to select a payment method in the total payment program, it is possible to equip and add a variety of payment methods to meet the needs of consumers.

In addition, from the consumer's point of view, payment is possible with one mobile terminal in all online / offline environments, thereby greatly improving convenience.

In addition, according to the present invention, it is possible to completely eliminate the risk of leakage of payment information by separately managing in the mobile terminal without transferring payment information for payment to the seller. More specifically, for example, in a mobile terminal

By storing personal payment information in the installed total payment program and encrypting payment information selected by the consumer in the program when the payment request is made, the payment information is leaked to a payment approval institution (for example, a card company, a bank, a telecommunication company, etc.). Sourceally impossible.

In addition, according to the present invention, there is no need to install a separate authentication / security tool for electronic transactions. More specifically, for example, when downloading a total payment program, receiving a social security number for mobile terminal user identification on the WAP, and storing the social security number authenticated through the mobile carrier together with the total payment program, and paying the payment

By transmitting the payment information selected by the user and the resident registration number together to the approval authority, all the separate authentication procedures such as the existing official certificate, mobile phone authentication, ARS authentication to determine whether the resident registration number match is unnecessary.

In addition, according to the present invention, it is possible to easily manage electronic payments made in various online / offline through one unified route. The total payment program proposed by the present invention serves as a gateway that connects sellers, buyers, and approvers, thereby providing a variety of payment method options for sellers, and checking the personal limit provided by the approving agency. For the convenience of status management, the approval authority can check the individual's payment history management and the subscriber's payment permission in real time.

In addition, according to the present invention, P2P transactions are convenient. For example, anyone passes a personal identification code to the seller (recipient), checks the received sales information (payment request information), and deducts or charges from the purchaser's payment information (eg, credit card, mobile phone, ARS). In this case, it is possible to trade between individuals easily and safely.

1 is a view showing a payment system that improves the update method of the payment means according to an embodiment of the present invention.

2 is a block diagram illustrating an internal block of a mobile terminal of a payment system in which an update method of a payment means is improved according to an embodiment of the present invention.

3 is a block diagram illustrating an internal block of an authentication server of a payment system in which an update method of a payment means is improved according to an embodiment of the present invention.

4 is a flowchart illustrating a control method of a payment system in which an update method of a payment means is improved according to an embodiment of the present invention.

5 is a diagram illustrating a display screen according to an embodiment of the present invention.

6 is a diagram illustrating a display screen according to another embodiment of the present invention.

7 is a flowchart illustrating a control method of a payment system in which an update method of a payment means is improved according to another embodiment of the present invention.

FIG. 8 is a flowchart (flow chart) detailing the step S703 of FIG. 7.

FIG. 9 is a flowchart (flow chart) detailing step S706 of FIG. 7.

10 is a flowchart (flow chart) illustrating a process of downloading a total payment program of a payment system in which an update method of a payment means is improved according to an embodiment of the present invention.

11 is a flowchart (flow chart) illustrating a payment method registration process of a payment system in which an update method of payment means is improved according to an embodiment of the present invention.

12 is a flowchart (flow chart) illustrating an online / offline electronic payment process of a payment system in which an update method of a payment means is improved according to an embodiment of the present invention.

13 is a flowchart (flow chart) illustrating a P2P electronic payment process of a payment system in which an update method of a payment means is improved according to an embodiment of the present invention.

14 is a flowchart illustrating a process of issuing a personal gift certificate of a payment system in which an update method of a payment means is improved according to an embodiment of the present invention.

100: customer

110: mobile terminal

120: Merchant

130: authentication server

140: payment server

150: credit card company

160: bank

170: mobile carrier

180: wired carrier

190: gift certificate issuer

The present invention relates to a system and method related to payment or money transfer for various transactions on / offline, the method comprising downloading a total payment program to the memory side of the mobile terminal, according to the execution of the downloaded total payment program, Registering at least one first payment means list and storing in the memory side, and when a purchase request for a specific product of a specific merchant occurs, the identification number of the specific mobile terminal that can proceed with the payment process according to the purchase The step of inputting, using the input identification number, transmitting to the specific mobile terminal side, the payment request information according to the purchase and at least one second payment means list available at the specific merchant side, the specific mobile On the terminal side, the previously stored first payment means list and Comparing the previously transmitted second payment means list and selectively displaying a list of available final payment means; when a specific payment means is selected from the displayed final payment means list, payment according to the purchase to the specific payment means It may provide a step of controlling to be made.

Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings and the contents described in the accompanying drawings, but the present invention is not limited or limited to the embodiments.

On the other hand, in describing the present invention, when it is determined that the detailed description of the related known function or configuration may unnecessarily obscure the subject matter of the present invention, the detailed description thereof will be omitted. Terminology used herein is a term used to properly express a preferred embodiment of the present invention, which may vary according to a user, an operator's intention, or a custom in the field to which the present invention belongs. Therefore, the definitions of the terms should be made based on the contents throughout the specification.

First, the technical idea of the present invention will be briefly described and described as a personalized electronic payment solution using a mobile terminal (for example, a mobile phone, a PDA, a Wibro terminal, a UMPC, a portable memory (USB), etc.). A total payment program can be installed in the memory of a mobile terminal, and payment related information can be stored and managed in the total payment program, and a personal identification code (for example, a mobile phone number, etc.) is entered at an online / offline merchant and It is a new technological idea that can proceed directly or indirectly with approval and payment through mobile terminals.

Hereinafter, referring to FIG. 1, a payment system having an improved updating method of a payment means according to an embodiment of the present invention will be described.

However, for reference, the affiliated store 120 of FIG. 1 may include a seller, and the like, and the mobile terminal 110 includes a VM (Virtual Machine), an IC chip, a SIM card, and a total payment program according to the present invention. ), Or in some cases, the mobile terminal 110 may be replaced by a USB memory. Meanwhile, certification

The server 130 may play a role of a host, and the payment server 140 may mean a payment agency, a PG, or the like.

Unlike the related art, when using electronic payment, the total payment program is downloaded to the memory side of the mobile terminal 110 through the mobile communication company 170 or the Internet (not shown). For reference, the total payment program, as originally proposed by the present invention, can be understood by those skilled in the art through the general description of the specification. However, in brief description, the electronic payment means can be easily updated by comparing and managing a list of possible electronic payment methods of the user (customer) and the seller (merchant), and the user's electronic payment usage history is further divided into various categories. It can also provide management functions.

The mobile terminal 110 registers at least one first payment means list according to the execution of the downloaded total payment program and stores it in the memory. For reference, the first payment means list means the electronic payment means desired by the user of the mobile terminal 110 online / offline electronic payment, for example, credit card, bank transfer, mobile phone number, ARS, gift certificate, etc. You can simply register your payment method in advance.

When a purchase request for a specific product of an affiliate store 120, such as online or offline, occurs, an identification number of a specific mobile terminal through which the payment process according to the purchase is performed is input through the affiliate store 120 such as online or offline. do.

However, the identification number of the specific mobile terminal may employ, for example, a method of being manually transmitted to the seller's terminal or an online payment window, or may employ a method of contactless delivery or automatic delivery to a separate communication means. have.

The authentication server 130, the payment request information according to the purchase through the affiliated store 120, the at least one second payment means list available at the merchant 120 side, and the input identification number Receive Then, using the inputted identification number, the mobile terminal 110 transmits the payment request information according to the purchase and at least one second payment means list available at the affiliate store 120. For reference, the second payment means list may mean an electronic payment means to be provided by the affiliated store 120 side, and simply need to be registered, there is an advantage that does not need to update the payment window, etc. separately.

The mobile terminal 110 compares the previously stored first payment means list with the transmitted second payment means list, and selectively displays the last available payment means list.

In addition, when the authentication server 130 receives the payment request information and the information on the selected final payment means from the mobile terminal 110, the authentication server 130 and the

corresponding approval authority

150, 160, 170, 180, and 190 are provided. Through the communication control to be made according to the purchase.

In summary, from the user's point of view, check the payment or transfer services (methods) provided by the merchant (seller), enter the buyer's or transferee's mobile phone number (personal identification key) payment and money transfer request information and Information about the payment method provided by the merchant (seller) is transmitted to the total payment program (e.g., VM) of the buyer or transferer terminal, and the buyer (transfer) enters a password for logging in to the payment program for payment. After logging in to the program and checking the payment request information, the payment method provided by the merchant (seller) and the payment method registered in advance by the buyer are selected, the available payment method is selected, and after the payment password or authentication procedure Make a payment authorization request, and the request server requests the web / module to make a purchase before forwarding the authorization request to the After receiving the second confirmation from the buyer (transferr) through the confirmation window about the payment approval request on the terminal, the payment approval request is transmitted to the payment server, and the approval result is received and delivered to the web / total payment program. Finally, the merchant / buyer to be notified finally, provides an easy to update electronic payment service.

2 is a block diagram illustrating an internal block of a mobile terminal of a payment system in which an update method of a payment means is improved according to an embodiment of the present invention. Hereinafter, referring to FIG. 2, a mobile terminal of a payment system having an improved updating method of a payment means according to an embodiment of the present invention will be described.

For reference, FIG. 2 illustrates a module directly or indirectly related to the present invention. Of course, other drawings may apply as well. However, blocks shown in the present specification can be designed as a module, and the module means one unit for processing a specific function or operation. The module may be implemented in hardware or software, or may be implemented in a combination of hardware and software.

The download unit 111 downloads the total payment program. However, the total payment program may be interpreted according to the above definition and description throughout the specification. The memory unit 112 registers and stores at least one first payment means list according to execution of the downloaded total payment program.

The reception unit 113 receives payment request information for a specific product of a specific affiliate store 120 and at least one second payment means list available at the specific affiliate store 120 from the authentication server 130. The display 114 compares the previously stored first payment means list with the received second payment means list, and selectively displays a list of available final payment means.

In addition, when a specific payment method is selected from the displayed final payment means list, the transmitter 115 transmits the payment request information mapped to the specific payment means to the authentication server 130. The authentication server 130 controls the payment to be made through communication with the payment server 140 and the approving

companies

150, 160, 170, 180, and 190 corresponding to the specific payment method.

3 is a block diagram illustrating an internal authentication server of a payment system in which an update method of a payment means is improved according to an embodiment of the present invention. Hereinafter, referring to FIG. 3, an authentication server of a payment system having an improved updating method of a payment means according to an embodiment of the present invention will be described.

For reference, FIG. 3 illustrates a module directly or indirectly related to the present invention. Of course, other drawings may apply as well. However, blocks shown in the present specification can be designed as a module, and the module means one unit for processing a specific function or operation. The module may be implemented in hardware or software, or may be implemented in a combination of hardware and software.

When a purchase request for a specific product of a specific affiliate store 120 occurs, the receiving unit 131 receives an identification number of a specific mobile terminal 110 that registers and stores at least one first payment means list.

The transmission unit 132, at least one second payment means available to the specific mobile terminal 110, the payment request information according to the purchase and the specific affiliated store 120 side by using the input identification number. Send the list.

In addition, when the control unit 133 receives the payment request information mapped to a specific payment method among the payment means duplicated in the first payment means list and the second payment means list from the specific mobile terminal 110, The payment is performed through communication with the payment server 140 and the approving

companies

150, 160, 170, 180, and 190 corresponding to the specific payment method.

4 is a flowchart illustrating a control method of a payment system in which an update method of a payment means is improved according to an embodiment of the present invention. Hereinafter, referring to FIG. 4, a control method of a payment system having an improved updating method of a payment means according to an embodiment of the present invention will be described. However, the description of the parts that can be applied in the same manner as in FIGS. 1 to 3 will be omitted. On the contrary, the description of the flowcharts of FIG. 4 may be applied to FIGS. 1 to 3, and a person skilled in the art will nevertheless The present invention can be easily understood.

The total payment program is downloaded to the memory side of the mobile terminal (S401). According to the execution of the downloaded total payment program, at least one first payment means list is registered and stored in the memory side (S402).

When a purchase request for a specific product of a specific affiliate occurs, an identification number of a specific mobile terminal in which a payment procedure according to the purchase is performed is input (S403). Using the inputted identification number, the payment request information according to the purchase and at least one second payment means list available at the specific merchant side are transmitted to the specific mobile terminal (S404).

The specific mobile terminal side compares the previously stored first payment means list with the transmitted second payment means list, and selectively displays the last available payment means list (S405). In addition, when a specific payment method is selected from the displayed final payment means list, the control is performed so that payment according to the purchase is made to the specific payment means (S406).

However, for reference, the identification number of the specific mobile terminal may mean, for example, a mobile phone number when the specific mobile terminal is a mobile phone. In addition, the payment means, for example, means a credit card, mobile phone, ARS, gift certificate, bank transfer, etc., may be electronic payment means of other trains in some cases. Therefore, by simply adding a payment means and an associated password that did not already exist in the list of customers or merchants, there is an advantage that the list can be updated quickly and easily.

On the other hand, as shown in FIG. 5, the step of selectively displaying the available final payment means list, if both the first payment means list and the second payment means list is "possible" If it is not present in the second payment means list, it is distinguished and displayed as " impossible ", and if it is present in the second payment means list but not in the first payment means list, it is " not input " By distinguishing and displaying, the payment means can be easily updated, and only the necessary payment means can be selectively displayed in consideration of both the customer (user) and the merchant (seller) viewpoint. In addition, even when not input, payment can be selected and inputted and payment information can be settled. When payment approval is completed, the corresponding payment information can be stored / stored in the first payment method list and managed.

In addition, the payment method of improving the update method of the payment means shown in FIG. 4 may be designed to further include storing a completion history in a memory of the mobile terminal when the payment according to the purchase is completed. And, as shown in Figure 6, the completion details are classified according to at least one or more of the payment date, payment method, or purchase goods, customer center number (you can connect to the call immediately when selecting the call button after selection), the classification Can be displayed on the customer's mobile terminal. Therefore, not only online / offline electronic payments in the related art but also online electronic payments have an advantage in that the entire electronic payment history, which was managed only individually according to the method, can be checked at a glance and managed by the customer.

7 is a flowchart illustrating a control method of a payment system in which an update method of a payment means is improved according to another embodiment of the present invention. Hereinafter, referring to FIG. 7, a control method of a payment system that improves an update method of a payment means according to another embodiment of the present invention will be described.

The product to be purchased through the online / offline affiliate store is selected (S701). Subsequently, a personal identification code (eg, a mobile phone number) is input (S702). It is determined whether the total payment program is installed (S703).

As a result of the determination (S703), if installed, the login for the total payment program (for example, running in a VM method) is performed (S704). The user checks the payment details of the product to be purchased (S705). It is determined whether the payment method that the user intends to use is registered and stored (S706).

If the determination result (S706) is stored, a payment method is selected (S707). Payment request and approval is made according to the selected payment means (S708, S709).

However, the steps S703 and S706 are described in more detail with reference to FIGS. 8 and 9 as follows.

Referring to step S703 in more detail, as shown in Fig. 8, access to the wireless Internet (S801). It is determined whether the download of the total payment program is selected (S802).

If the determination result (S802) download is selected, the subscriber is authenticated, for example, it may use a social security number authentication method (S803). Then, the login password of the total payment program is registered (S804).

Referring to step S706 in more detail, as shown in Figure 9, selectable payment means are selected (S901). Enter the payment information (S902). Unlike the prior art, there is no input of a resident registration number, it is simplified by extracting the resident registration number registered in the total payment program, there is an advantage that the security is improved.

It is determined whether or not to proceed with the web authentication procedure (S903). If the determination result (S903) proceeds, it is determined whether the final storage (S904).

On the other hand, Figures 10 to 14, to explain the decomposition of the control method of the payment system to improve the update method of the payment method according to the present invention to further decomposition by subject, those skilled in the art can more easily implement the present invention.

10 is a flowchart (flow chart) illustrating a process of downloading a total payment program of a payment system in which an update method of a payment means is improved according to an embodiment of the present invention. Hereinafter, a description will be given with reference to FIG. 10.

First, when the mobile terminal 110 is a mobile phone or the like, the customer 100 of the payment program (for convenience of explanation, the total payment program according to the present invention, the payment program will be used in combination with the payment program) on the mobile carrier 170 side. Request a download (S1000). The subscriber information for downloading the payment program between the customer 100 and the mobile communication company 170 is requested (S1001). The mobile communication company 170 authenticates subscriber information (mobile phone number, social security number, mobile phone terminal unique number, etc.) (S1002). The mobile communication company 170 requests the authentication server 130 to download the payment program (S1003).

The authentication server 130 maps payment program S / N and mobile terminal subscriber information (S1004). The authentication server 130 transmits a payment program to the mobile communication company 170 (S1005), the customer 100 downloads a payment program (S1006), and the mobile terminal 110 is a payment program. Register the login PIN (S1007).

On the other hand, when the mobile terminal 110 is a general memory, the customer 100 requests a payment program download to the authentication server 130 through a separate network network (general memory may require a separate network). (S1010). The customer 100 requests a terminal specific information (for example, MAC) and a user ID input to which the payment program is to be installed on the authentication server 130 (S1011). The authentication server 130 maps payment program S / N, terminal specific information, and user ID (S1012). The authentication server 130 transmits a payment program to the mobile communication company 170 (network server) side (S1013), and the customer 100 receives a payment program from the mobile communication company 170 (network server) side. Download it. In addition, the payment program login PIN is registered on the mobile terminal 110 (S1015).

11 is a flowchart (flow chart) illustrating a payment method registration process of a payment system in which an update method of payment means is improved according to an embodiment of the present invention. Hereinafter, a description will be given with reference to FIG. 11.

First, in the case of general registration, the customer 100 requests the payment method registration to the mobile terminal 110 (S1100). The mobile terminal 110 provides a registration page (S1101). In operation S1102, the customer 100 inputs payment method selection and payment information.

On the other hand, in the case of registration through Web (Web) authentication, the customer 100 requests the payment means registration to the mobile terminal 110 (S1110). The mobile terminal 110 provides a registration page (S1111). The customer 100 inputs payment method selection and payment information to the mobile terminal 110 (S1112). The mobile terminal 110 transmits payment information of a payment means after encryption to the authentication server 130 (S1113). The customer 100 inputs terminal information for authentication on the web authentication page 200. The web authentication page 200, the authentication server 130 requests a payment means authentication of the terminal (S1115). The authentication server 130 requests an authentication confirmation value from the web authentication page 200 (S1116). The web authentication page 200 requests the customer 100 to input an authentication confirmation value (S1117).

The customer 100 inputs an authentication confirmation value on the web authentication page 200 (S1118). The web authentication page 200 transmits an authentication confirmation value to the authentication server 130 (S1119). The authentication server 130 transmits the authentication confirmation value to the payment server 140 side (S1120). The payment server 140 transmits the authentication confirmation value to the approval authority 150.

(S1121). The approval authority 150 notifies the customer 100 of the completion of the authentication confirmation (S1122, S1123, S1124, S1125). The authentication server 130 generates a payment means authentication value (S1126). The authentication server 130 transmits the payment means authentication completion value to the mobile terminal 110 (S1127). In addition, the mobile terminal 110 stores the payment means authentication value (S1128).

12 is a flowchart (flow chart) illustrating an online / offline electronic payment process of a payment system in which an update method of a payment means is improved according to an embodiment of the present invention. Hereinafter, a description will be given with reference to FIG. 12.

The customer 100 requests a payment to the affiliated store 120 (S1200). The customer 100 inputs a user identification code (for example, a mobile phone number) into the payment window of the affiliated store 120 and adds an authentication code (S1201). The affiliated store 120 requests a payment to a mobile phone number to the authentication server 130 (S1202). The authentication server 130, the customer

The payment request information and the SMS or callback for executing the payment program may be transmitted to the 100 at step S1203.

The authentication server 130 confirms the execution of the payment program and transmits payment request information and merchant contract payment means (service) information to the mobile terminal 110. In addition, if there is no execution of the payment program, the payment request information is stored in the DB and waits (S1205).

The customer 100 executes the payment program in a VM or the like and inputs a login password (S1206). The mobile terminal 110 transmits payment request information to the customer 100 (S1207). The customer 100 transmits a signal for selecting / authenticating a payment method to the mobile terminal 110 (S1208). At this time, the payment information is stored on the payment program, individual authentication is possible when registering payment information (S1209), and payment limit information may be provided when selecting a payment method.

(S1210). The payment information is transmitted to the authentication server 130 (S1211). This is again transmitted to the affiliated store 120 (S1212).

Check the approval request between the customer 100 and the affiliated store (120) (S1213). At this time, it is also possible to re-enter the password (S1214). Thereafter, the request for approval and completion of payment between the affiliated store 120, the authentication server 130, the payment server 140, and the approval authority 150 is made (S1215, S1216, S1217, S1218, and S1219). The authentication server 130 transmits the approval completion information to the affiliated store 120 side (S1220). The affiliated store 120 provides a service to the customer 100 (S1221). The authentication server 130 may transmit the approval details to the mobile terminal 110 (S1222), and confirm this in the approval history menu (S1223).

The approval authority 150 proceeds with the billing and receiving procedure to the customer 100 in the billing period for the payment details (S1224).

After this, the procedure for delivering the receipt details and the settlement of the merchant is performed (S1225, S1226, S1227, and S1228). The mobile terminal 110 may update the storage details (S1229) and update the storage / non-payment / payment details (S1230).

13 is a flowchart (flow chart) illustrating a P2P (Person to Person) electronic payment process of a payment system with an update method of updating a payment method according to an embodiment of the present invention. Hereinafter, a description will be given with reference to FIG. 13.

The seller 121 transmits the purchaser's mobile phone number, the seller's payment means, the seller's deposit account information, and the seller's confirmation information (for example, the business number or the social security number) to the authentication server 130 (S1300). The authentication server 130 requests a deposit to the mobile terminal 110 (S1301). The mobile terminal 110 requests the buyer 101 for the deposit (S1302).

The deposit means is selected (S1303), and transfers the deposit information to the authentication server 130 side (S1304). The deposit approval request and completion procedure are subsequently performed (S1305, S1306, S1307, S1308). The mobile terminal 110 updates the deposit approval details (S1309), and the purchaser 101 confirms the deposit details (S1310). The authentication server 130 transmits the deposit completion information to the seller 121.

On the other hand, as another embodiment, as shown in the lower portion of Figure 13, the seller 121, the authentication server 130, the buyer mobile phone number, seller payment means, seller deposit account information (S1350) ). The authentication server 130 transmits the deposit processing request SMS, and delivers the seller temporary code (S1351). The customer 101 connects to a host web / WAP / payment program (for reference, a mobile phone number is not required in the WAP and payment program), inputs a seller (deposit note) temporary code, and enters a mobile phone number ( S1352). Subsequently, a deposit request procedure is performed (S1353 and S1354), a deposit means is selected through the mobile terminal 110 (S1355), and the deposit information is transmitted to the authentication server 130 (S1356), and the deposit is approved. Request and completion procedure is made (S1357, S1358, S1359, S1360). The mobile terminal 110 updates the deposit details (S1361). The purchaser 101 confirms the deposit details (S1362), and the authentication server 130 notifies the seller 121 of the completion of the deposit (S1363).

14 is a flowchart (flow chart) illustrating a process of issuing a personal gift certificate of a payment system in which an update method of a payment means is improved according to an embodiment of the present invention. Hereinafter, a description will be given with reference to FIG. 14.

The mobile terminal 110 receives a program login / personal gift certificate issuance selection signal (S1400) and requests input of recipient information, an amount, an expiration date, and a payment method (S1401). The purchaser 101 inputs request information (S1402), and the mobile terminal 110 requests approval of the selected payment means from the authentication server 130 (S1403). Subsequently, an approval request and completion procedure are performed (S1404, S1405, S1406, S1407). The authentication server 130 generates a value key for the approval value (S1408). A voucher PIN number is issued (S1409), and the value key and the PIN number are mapped (S1410).

The authentication server 130 issues a personal gift certificate to the gift certificate recipient 300 (S1411). The gift certificate recipient 300 transmits the personal gift certificate issuance result to the purchaser 101 side (S1412). The gift certificate recipient 300 requests the authentication server 130 for approval of the gift certificate PIN number (S1413). The authentication server 130 is a gift certificate PIN

Approved (S1414). The gift certificate recipient 300 changes the personal gift certificate approval state (S1415). When the gift voucher 300 requests a cancellation of the gift voucher PIN or when the expiration date expires (S1416), the authentication server 130 confirms to the purchaser 101 whether the voucher PIN is canceled or reissued (S1417). ). Subsequently, a cancellation request and completion procedure are performed (S1418, S1419, S1420, S1421, S1422, and S1423).

For easier understanding of the present invention, the following describes a more specific usage scenario.

In the case of online electronic payment, the user selects an item in online shopping, clicks the 'Make Payment' button on the web to make a payment, and then simply enters a mobile phone number in the input window. After opening the mobile phone, executing the total payment program according to the present invention, entering a password and logging in, confirming the payment request, and selecting a desired payment means (service), payment is completed quickly.

On the other hand, in the case of offline electronic payment, the user has eaten out with the family. After the meal, the mobile phone number was placed on the order form for payment and sent to the employee. The employee enters the mobile phone number on the credit card terminal at the cash register and requests the customer's mobile phone payment. The user executes the total payment program of the mobile phone, inputs a password, logs in, checks the payment request, selects the credit card payment, and the payment is completed quickly.

On the other hand, in the case of P2P transfer, the user executes a total payment program and logs in to receive money from another specific person, logs in, enters the mobile phone number of the specific person, and selects the amount and his account information. Such information is transmitted to the specific person, and the specific person executes a total payment program through a mobile terminal or the like, logs in to confirm the request, and selects his account to quickly complete the transfer of the requested amount.

On the other hand, in the case of remote payment, while the user is going abroad, my parents suddenly went to the hospital, let's assume that the parents do not have money in the hospital can not be stored. The user's parents informed the hospital of the user's mobile phone number, and the hospital inputs the user's mobile phone number to the credit card terminal and requests the user to pay. The user executes a total payment program stored in his mobile phone, and quickly completes payment through his credit card and account transfer.

On the other hand, in the case of payment of utility bills, in order to collect the lunch fee for milk / lunch at the school of the son of the user, after logging in to the administration page of the total payment program, entering the mobile phone number of the parent including the user, the bill of each student Enter the amount. The payment request is authorized by the total payment program of the mobile phone, and each parent executes the total payment program to select a payment method (service) (eg, credit card, bank transfer, mobile phone, gift certificate, etc.) that he or she has registered. To complete the payment promptly.

Therefore, according to the present invention, it is possible to provide more diverse electronic payment models to offline stores, which have been limited to credit card payment services, and the simplification of complicated and many authentication means can reduce additional manpower / development costs. Can be.

In addition, all existing payment methods can be used as a mobile phone, and a dedicated terminal is installed in addition to the offline merchant's credit card terminal, thereby reducing demand for offline bills and reducing bill management costs.

In addition, in the offline market where only cash and credit cards were provided, there were no restrictions on time and space.

Electronic payment is possible using the first means. Therefore, due to the convenience of transactions, electronic payment is more active,

All transaction history is managed to increase the transparency of the transaction.

In addition, if you want to add a new payment method (service), unlike the prior art additional work or personnel costs

It can also be drastically reduced.

Embodiments according to the present invention are implemented in the form of program instructions that can be executed by various computer means

Data can be recorded on a computer-readable medium. The computer readable medium may include program instructions, data files, data structures, etc. alone or in combination. Program instructions recorded on the media may be those specially designed and constructed for the purposes of the present invention, or they may be of the kind well-known and available to those having skill in the computer software arts. Examples of computer-readable recording media include magnetic media such as hard disks, floppy disks, and magnetic tape, optical media such as CD-ROMs, DVDs, and magnetic disks, such as floppy disks. Magneto-optical media, and hardware devices specifically configured to store and execute program instructions, such as ROM, RAM, flash memory, and the like. Examples of program instructions include not only machine code generated by a compiler, but also high-level language code that can be executed by a computer using an interpreter or the like. The hardware device described above may be configured to operate as one or more software modules to perform the operations of the present invention, and vice versa.

As described above, the present invention has been described by way of limited embodiments and drawings, but the present invention is not limited to the above embodiments, and those skilled in the art to which the present invention pertains various modifications and variations from such descriptions. This is possible. Therefore, the scope of the present invention should not be limited to the described embodiments, but should be defined not only by the scope of the following claims, but also by the equivalents of the claims.

According to the present invention as described above, it is possible to use as a payment means in all commerce on-line / off-line.

More specifically, in the case of online / offline commerce, when a product or service is purchased, the consumer passes only the mobile terminal identification number to the seller, regardless of the product and the environment, and the seller inputs the product to the consumer's mobile terminal. You can make a payment request for it, and the consumer can check the details using a total payment program, and select a payment method that he or she wishes to pay.

In addition, in the non-face-to-face transaction / remote transaction, payment is possible by delivering only the identification number of the consumer's mobile terminal to the seller, such as the online / offline commerce to the seller of the remote.

Electronic payment, approval, authentication, mobile terminal, commerce

Claims

Downloading a total payment program to the memory side of the mobile terminal;

Registering the at least one first payment means list according to the execution of the downloaded total payment program and storing it in the memory;

Inputting an identification number of a specific mobile terminal in which a payment process according to the purchase is performed when a purchase request for a specific product of a specific affiliate occurs;

Transmitting the payment request information according to the purchase and at least one second payment means list available at the specific merchant to the specific mobile terminal using the inputted identification number;

At the specific mobile terminal side, comparing the previously stored first payment means list with the transmitted second payment means list and selectively displaying a list of available final payment means; And if a specific payment method is selected from the displayed final payment method list, controlling the payment to be made according to the purchase to the specific payment method. .
According to claim 1,

The identification number of the specific mobile terminal,

If the specific mobile terminal is a mobile phone, the payment method improved the update method of the payment means, characterized in that the mobile phone number.
According to claim 1,

In the specific mobile terminal, the step of comparing the previously stored first payment means list with the transmitted second payment means list and selectively displaying the last available payment means list,

Distinguishing and displaying a case in which only the first payment means list exists, a case in which only the second payment means list exists, and a case in which both the first payment means list and the second payment means list exist.

A form of payment that improves how payment methods are updated.
According to claim 1,

When the payment is completed according to the purchase, storing the completion history in the memory of the mobile terminal

The payment method improved the update method of the payment means, characterized in that further comprises a.
The method of claim 4, wherein

When the payment according to the purchase is completed, the step of storing the completion history in the memory of the mobile terminal,

Classifying the completion details according to at least one or more of a payment date, a payment method, or a purchased product; And displaying the classified completion history through the mobile terminal.

Payment method that improves the update method of the payment means, characterized in that comprises a.
According to claim 1,

The first payment means list or the second payment means list,

The payment method is an improved method of updating the payment method, characterized in that the update of each payment method list is added by adding a payment means and password that did not exist previously.
According to claim 1,

The payment means,

A payment method that improves an update method of a payment method, comprising at least one of a credit card, a mobile phone, an ARS, a gift certificate, and a bank transfer.
A computer-readable recording medium in which a program for executing the method of any one of claims 1 to 7 is recorded.
In the mobile terminal of the payment system that improved the update method of the payment method,

A download unit for downloading a total payment program;

A memory unit for registering and storing at least one first payment means list according to execution of the downloaded total payment program;

A receiving unit which receives payment request information for a specific product of a specific merchant and at least one second payment means list available at the specific merchant side from an authentication server;

A display unit for comparing the previously stored first payment means list with the received second payment means list and selectively displaying a list of available final payment means; And

A transmission unit which transmits the payment request information mapped to the specific payment method to the authentication server when a specific payment method is selected from the displayed final payment method list;

And the authentication server controls the payment method to be updated through communication with a payment server and an approval company corresponding to the specific payment method. terminal.
In the authentication server of the payment system that improved the update method of the payment method,

A receiving unit which receives an identification number of a specific mobile terminal that registers and stores at least one first payment means list when a purchase request for a specific product of a specific affiliate occurs;

A transmission unit for transmitting the payment request information according to the purchase and at least one second payment means list available at the specific merchant to the specific mobile terminal using the input identification number; And

In response to receiving the payment request information mapped to a specific payment method among the payment means duplicated in the first payment means list and the second payment means list from the specific mobile terminal side, an approval corresponding to the payment server and the specific payment means Control unit for controlling the payment is made through communication with the company

Authentication server of the payment system to improve the update method of the payment means comprising a.