KR100447588B1 - Method of electronic payments using a mobile phone - Google Patents

Abstract

The present invention relates to an electronic payment method using a mobile communication terminal, and an electronic wallet, which is an electronic payment means, is embedded in a mobile communication terminal to store electronic money in the terminal to perform electronic payment. To this end, the present invention includes a first step of transferring electronic money from a bank to a mobile communication terminal (hereinafter referred to as a first terminal) possessed by a user; The first terminal purchases goods at a store using electronic money stored in the first terminal through the first step and then pays the bill using an infrared port or to another mobile communication terminal (hereinafter referred to as a second terminal). A second step of transferring; The third step of depositing the remaining balance after the purchase or transfer of goods through the electronic money or the second step stored in the first step to the bank, the user through the electronic payment method using a mobile communication terminal It is possible to purchase goods by cashing the electronic money stored in the first terminal without using a bank account or a credit card number anytime, anywhere, without restriction of time or space, or transfer to a second terminal or a bank.

Description

Electronic payment method using a mobile terminal {Method of electronic payments using a mobile phone}

The present invention relates to a mobile communication terminal, and more particularly, to an electronic payment method using a mobile communication terminal capable of electronic commerce using a mobile communication terminal such as a mobile phone, a personal digital assistant (PCS).

In general, the form of electronic payment adopted is an electronic cash system that issues electronic money and can be used as a means of payment for purchases in cyber spaces such as the Internet, and transactions using real credit cards are also accepted in Internet e-commerce. Internet credit card system that can be used as a means, electronic check system that makes checks, one of payment methods available on the Internet, and virtual banks built by each bank. It is divided into Internet banking system such as.

The electronic cash system in the form of electronic payment is proposed to use a new currency, that is, electronic money, so that payment in real transactions through payment means such as cash, check, or credit card can be made through the virtual space of the Internet. As a system, an electronic wallet capable of storing electronic money made by such a system is a computer, a computer, a server, or a smart card is used in the form of the electronic wallet.

In such an electronic cash system, a user of electronic money uses electronic money client software to withdraw electronic money from a bank, store it in his PC, and purchase an item through an internet store that can use the electronic money. Pay the electronic money stored in his PC.

In the electronic cash system, the user can freely pay using electronic money without the inconvenience of having to enter a bank account or credit card number when paying for the purchased goods, and immediately cash the electronic money received at the store. There is a convenience that can be.

However, in the electronic cash system, since the electronic money client software, which is an electronic wallet, is installed and used in the user PC, the user's PC becomes an electronic wallet. As such, since the user PC is an electronic wallet, there is a problem that the user has a spatial limitation that the electronic money can be used only in cyber transactions through the PC.

In addition, in the case of a smart card, which is another form of electronic wallet, it is possible to freely purchase goods through electronic money stored in the card without being restricted by space, but it is inconvenient for the user to visit the bank in order to charge the electronic cash on the card. There was a problem giving.

Therefore, the present invention has been proposed to solve the above-mentioned problems of the prior art, and withdraws electronic money from a bank using a mobile communication terminal possessed by a user and stores it in an electronic wallet which is an electronic payment means provided in the terminal. The purpose is to cash out stored electronic money and make it more convenient to use.

In order to achieve the above object, the present invention provides a first step of withdrawing electronic money from a bank and transferring it to a first terminal through a dial-up approval procedure including user input of terminal identification number (ESN) and password which are subscriber approval data. And after purchasing the goods in the store, the first terminal is connected through the infrared port and the user input of the terminal unique number and password, and the payment or payment using the electronic money transferred in the first step A second step of transferring to the second terminal; And a third step of depositing the remaining electronic money through the first step and the second step into the bank through an authentication procedure for inputting a terminal unique number and password in a telephone connection state.

1 is a payment flow diagram of a system configuration for explaining the electronic payment method according to the present invention.

2 is a diagram showing an embodiment of a display screen of a mobile communication terminal displaying an electronic transaction result according to the present invention;

3 is a flowchart illustrating a process of executing a first step of the electronic payment method according to the present invention.

Figure 4 is a flow chart illustrating a process of purchasing goods in a store in the second step of the electronic payment method according to the present invention.

5 is a flowchart illustrating a process of transferring electronic money to another mobile communication terminal in a second step of the electronic payment method according to the present invention.

6 is a flowchart illustrating a process of executing a third step of the electronic payment method according to the present invention.

Explanation of symbols on the main parts of the drawings

1: Mobile communication terminal possessed by a user (first terminal)

2: bank

3: another mobile communication terminal (second terminal)

4: shop

11: display screen of the terminal

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

As shown in FIG. 1, the present invention provides a first step of transferring electronic money from a bank 2 to a mobile communication terminal (hereinafter, referred to as a first terminal) possessed by a user; The first terminal 1 purchases goods at a store using electronic money stored in the first terminal 1 through a first step and then pays the bill using an infrared port or another mobile communication terminal (hereinafter referred to as a second terminal). A second step of transferring to (3); The third step is to deposit the remaining balance after purchasing or transferring goods through the electronic money stored in the first step or the second step.

As shown in FIG. 3, the first step of transferring electronic money from the bank 2 to the first terminal 1 is a step in which the user of the first terminal 1 calls the bank 2 (S1). )Wow; When accessing the online transaction system of the bank (2) through the above step, the terminal unique number (ESN) and the password, which is subscriber approval data, are transmitted to the bank (2) through the first terminal (S2). Wow; When the subscriber approval is completed through the terminal unique number (ESN) and the password transmitted through the above step, the terminal inputs an amount to be withdrawn and transmits it to the bank 2 (S3).

In addition, determining whether or not the normal processing of electronic money withdrawal through the step (S4); In the case of normal processing failure in the above step, displaying a message on the display screen 11 of the first terminal on the failure of the normal processing and the reason for the failure (S5); In the case of the normal processing success, a step (S6) of displaying a message indicating the balance stored in the first terminal 1 on the display screen 11 of the first terminal 1 as a result of the successful processing and withdrawal. It is done.

In the second step, the purchase of goods in the shop 4 using the electronic money stored in the first terminal 1 through the first step is performed by the user of the first terminal 1 as shown in FIG. 4. After the purchase of the goods in the shop by using an infrared port to communicate with the payment settlement system of the computer installed in the shop (S11); When the communication connection is made through the above steps, inputting a terminal unique number (ESN) and a password to the first terminal (1) and transmitting them to the payment system (S12); After the terminal identification number (ESN) and the password transmitted through the above step is confirmed and the subscriber approval is completed, enter the amount to be paid to perform the electronic payment through the electronic money stored in the first terminal (S13) )

In addition, the step (S14) of determining whether or not the normal processing of the electronic payment process is performed through the step; In the case of a normal processing failure in the above step, displaying a message regarding the failure of the normal processing and the reason for the failure on the display screen 11 of the first terminal (S15); In the case of the normal processing success, the method may include displaying a message indicating the balance stored in the first terminal 1 on the display screen 11 of the first terminal 1 as a result of the successful processing and transfer. .

In the second step, the step of transferring the electronic money stored in the first terminal 1 to the second terminal 3 through the first step is performed by the user of the first terminal 1 as shown in FIG. 5. Making a communication connection with the second terminal 3 using a telephone or an infrared port (S21); Inputting a terminal unique number (ESN) and a password of the first terminal (1) and exchanging with the second terminal (3) when communication is established through the step (S22); When the unique number (ESN) and the password of each of the first and second terminals 1 and 3 are confirmed through the respective terminals, the amount to be transferred through the first terminal 1 is inputted to the second terminal. A step S23 is performed to transmit to the terminal 3.

In addition, determining whether or not the normal processing of the electronic money transfer process through the step (S24); In the case of normal processing failure in the above step, displaying a message regarding the failure of the normal processing and the reason for the failure on the display screen 11 of the first terminal (S25); In the case of normal processing success, a step (S26) of displaying a message indicating the balance stored in the first terminal 1 on the display screen 11 of the first terminal 1 as a result of the successful processing and transfer of the normal processing. It is done by

As shown in FIG. 6, a third step of depositing an electronic money stored in the first step or a balance remaining after purchasing or transferring an item in the second step is returned to the bank 2. Step S31 of the user making a call to the bank 2; Accessing the bank's online transaction system through the step and transmitting a terminal identification number (ESN) and a password, which are subscriber approval data, to the bank through the first terminal (S32); When the subscriber approval is completed through the terminal unique number (ESN) and the password transmitted through the above step, the amount of money to be deposited is inputted to the bank by using the first terminal 1 (S33). Is done.

In addition, the step (S34) of determining whether or not the normal processing of the electronic money deposit process through the step; In the case of the normal processing failure in the above step, displaying a message regarding the failure of the normal processing and the reason for the failure on the display screen 11 of the first terminal (S35); In the case of normal processing success, the method may include displaying a message indicating the balance stored in the first terminal 1 on the display screen 11 of the first terminal 1 as a result of the successful processing and withdrawal (S36). .

The operation of the present invention made as described above will be described with reference to the accompanying drawings.

3 shows a process of transferring electronic money from the bank 2 to the first terminal 1, wherein the user of the first terminal 1 calls the bank 2 and the terminal unique number (ESN). After inputting the password and inputting the amount to be withdrawn after receiving the user's approval, the electronic money corresponding to the amount is transferred from the bank 2 to the first terminal 1.

In order to process the electronic money transfer process, the bank 2 is provided with a separate module for electronic money issuance processing in the online transaction system to perform electronic money issuance and electronic money transfer. User approval is made using the terminal identification number (ESN) and the password transmitted from the user, and the electronic money corresponding to the withdrawal amount transmitted through the first terminal 1 is connected by connecting to the transaction account of the user. 1 Transfer to terminal 1.

As described above with reference to FIG. 2, the result of the electronic money transfer process displays a message on the display screen 11 of the first terminal 1 when it fails and a normal processing success when the failure occurs. A message indicating the electronic money amount stored as a result of the electronic money transfer is displayed on the display screen 11 of the first terminal 1.

4 illustrates a process of purchasing goods in the shop 4 using electronic money stored in the first terminal 1, in which the user of the first terminal 1 purchases goods in the shop 4. After establishing a communication connection with the electronic payment system of the store 4 by using the infrared port of the first terminal 1 and inputting a terminal unique number (ESN) and a password to receive user approval, the first terminal ( 1) The user performs an electronic payment by inputting an amount to be paid by the user. If the electronic payment fails to be processed normally, the user displays a message regarding failure and failure on the display screen of the first terminal 1 In the case of processing, a message indicating the balance remaining in the first terminal 1 on the display screen of the first terminal 1 as a result of the success and the electronic payment is displayed. To give.

FIG. 5 illustrates a process of transferring electronic money stored in the first terminal 1 to the second terminal 3, wherein the user of the first terminal 1 is connected to the first terminal 1 and the second terminal. 3) After the communication connection is made using a telephone or an infrared port, each terminal unique number (ESN) and password are exchanged to confirm the first and second terminals 1 and 3, respectively, and the second terminal. Input the amount to be transferred to (3) to perform electronic money transfer to the second terminal (3). If the electronic settlement fails and fails, the display screen of the first terminal (1) fails and fails. When the message related to the message is successfully processed, the message indicating the success and the balance stored in the first terminal 1 as a result of the electronic money transfer is displayed on the display screen of the first terminal 1.

6 illustrates a process of depositing the electronic money stored in the first terminal or the remaining electronic money balance as shown through FIGS. 4 and 5 to the bank 2 again, wherein the user of the first terminal 1 Dials the bank 2, accesses the online transaction system of the bank 2, enters a terminal identification number (ESN) and a password of the first terminal 1, and receives the user's approval. The user of the terminal 1 performs an electronic money transfer by inputting an amount to deposit his / her money. If the electronic money transfer fails to be processed normally, a message regarding the failure and failure on the display screen of the first terminal 1 is failed. In the case of normal processing, the balance stored in the first terminal 1 is displayed on the display screen of the first terminal 1 as a result of the success and the electronic money transfer. Display the message that indicates.

As described above, the electronic payment method using the mobile communication terminal according to the present invention can be freely retrieved and stored in the electronic wallet provided in the terminal anytime, anywhere regardless of place and time, and when necessary By making it available, it provides the effect of promoting the e-commerce market through more convenient electronic payment.

Claims (5)

A first step of withdrawing the electronic money from the bank and transferring it to the first terminal through a dial-up authorization procedure including user input of a terminal identification number (ESN) and a password of subscriber approval data; After purchasing an item in a store, the first terminal accesses through an infrared port, user input of the terminal unique number and password, and pays the bill using the electronic money transferred in the first step or the second terminal. A second step of transferring to; And a third step of depositing the remaining electronic money through the first step and the second step into the bank through an authentication procedure for inputting a terminal unique number and password in a telephone connection state. Electronic payment method using a communication terminal. 2. The method of claim 1, wherein the first step comprises the steps of: the first terminal user making a call to the bank; Inputting a terminal identification number (ESN) and a password, which is subscriber approval data, to the bank via the first terminal when the bank is connected to the online transaction system through the step; Inputting an amount to be withdrawn to the bank when the subscriber approval is completed through the terminal specific number (ESN) and the password transmitted through the step; Determining whether the electronic money withdrawal is normally processed through the step; If the normal processing fails in the step, displaying a message regarding the failure of the normal processing and the reason for the failure on the display screen of the first terminal; In the case of the successful processing, the electronic payment using the mobile communication terminal comprises displaying a message indicating the balance stored in the first terminal on the display screen of the first terminal as a result of the successful processing and withdrawal. Way. The method of claim 1, wherein the purchase of goods at the store by using the electronic money transferred through the first step in the second step is performed after the first terminal user purchases the goods at the store. Making a communication connection with a payment settlement system of a computer installed in the store by using; Inputting a terminal unique number (ESN) and a password to the first terminal when the communication connection is made through the step; After the terminal identification number (ESN) and the password transmitted through the step is confirmed and the subscriber approval is completed, enter the amount to be paid to perform the electronic payment through the electronic money stored in the first terminal (S13) And determining whether the electronic payment process is normally performed. If the normal processing fails in the step, displaying a message regarding the failure of the normal processing and the reason for the failure on the display screen of the first terminal; In the case of the successful processing, the electronic payment method comprising the step of displaying a message indicating the balance stored in the first terminal on the display screen of the first terminal as a result of the successful processing and transfer. . The method of claim 1, wherein in the second step, transferring the electronic money transferred through the first step to the second terminal is performed by the first terminal user communicating with the second terminal using a telephone or an infrared port. Making a connection; Inputting a terminal unique number (ESN) and a password of the first terminal when the communication connection is made through the step, exchanging with the second terminal; Inputting an amount to be transferred through the first terminal and transmitting it to the second terminal when the unique number (ESN) and the password of each of the first and second terminals are verified through the respective terminals; Determining whether the electronic money transfer process is normally processed through the step; If the normal processing fails in the step, displaying a message regarding the failure of the normal processing and the reason for the failure on the display screen of the first terminal; In the case of successful processing, the electronic device using the mobile communication terminal comprises displaying a message indicating the balance stored in the first terminal on the display screen of the first terminal as a result of the successful processing and transfer. Payment method. The method of claim 1, wherein the third step comprises the steps of: the first terminal user making a call to the bank; Inputting a terminal identification number (ESN) and a password, which is subscriber approval data, to the bank via the first terminal when the bank is connected to the online transaction system through the step; Inputting an amount to be deposited by the first terminal using the first terminal and transmitting it to the bank when the subscriber approval is completed through the terminal unique number (ESN) and the password transmitted through the step; Determining whether the electronic money deposit process is normally processed through the step; If the normal processing fails in the step, displaying a message regarding the failure of the normal processing and the reason for the failure on the display screen of the first terminal; If the successful processing is successful, the electronic payment method using a mobile communication terminal comprising the step of displaying a message indicating the balance stored in the first terminal on the display screen of the first terminal as a result of the success and withdrawal of normal processing; .