KR20050046682A - Method of mobile electronic purse payment service including user certification and adult certification using smart card type electronic money. - Google Patents

Abstract

The present invention is to increase the number of cases of identity theft due to its inaccuracy in the authentication and adult authentication part of the phone bill payment service model, which is the most widely used in the micro payment service, and to expose personal information to the social security number input procedure. The present invention relates to a mobile electronic money micropayment service method using prepaid electronic money of ID-000 Type (Plug-in type or SIM Type card) as a way to improve the vulnerable area which is a problem about risk. As a method of authenticating a mobile electronic money micropayment service according to the present invention, a smart card type electronic money that is mounted on a mobile communication terminal is not a method of inputting a resident registration number that is widely used and a personal credit card number and a password in the case of a large amount. By adopting the authentication method and smart card information access method, it is possible to avoid identity theft and exposure of personal information, and to use the personal authentication method using the mobile communication terminal with the electronic money card that can securely and easily pay the price, and the PSAM of the electronic money company. The present invention relates to a mobile electronic money micropayment service method using an authentication system of a representative affiliated store (Master affiliated store) that is being built. The mobile micropayment service method according to the present invention is largely based on (a) the PSAM Management System of a representative merchant that has built a PSAM for electronic money of a single electronic money issuing service provider, and (b) for electronic money of a number of electronic money issuing service providers. By establishing PSAM, the integrated PSAM Management System functioning as the master merchant of the electronic money issuing service provider and (c) the prepaid electronic money payment through the authentication and the adult authentication through the integrated PSAM Management System at the merchant's shopping mall, d) a method of performing a prepaid electronic money payment through a user authentication and an adult authentication on the wireless Internet through the method of paragraph (c).

Description

Method of mobile electronic purse payment service including user certification and adult certification using smart card type electronic money.}

The present invention relates to a mobile electronic money micropayment service method including a personal authentication and an adult authentication using a smart card type electronic money through an electronic money master affiliate store that is establishing an integrated PSAM Management System (hereinafter referred to as PSMS).

In recent years, the number of wired and wireless Internet users has increased rapidly, and various contents have emerged. In the use of the contents, an SMS-type phone bill type mobile payment service that inputs a social security number and receives and inputs an authentication number using a mobile phone is mainly used. As the use of Internet users and the illegal use and theft of people have emerged, the problem of security of SMS method has been raised, which is directly related to the morality of mobile communication companies. In addition, the government is enforcing the direction of the use of accredited certificates by restricting the collection of social security numbers online while promoting the Personal Information Protection Act. However, in the field of small payments, which mainly dominate mobile payment services, the certification process through certified certificates is difficult and cumbersome. Therefore, the content industry claims that application of certificates in the small payment field is premature. Mobile carriers are also concerned about reducing sales in the wired and wireless contents sectors following the enforcement of the Personal Information Protection Act.

IC card type pendulum issuers include K-Cash, Mondex, VisaCash, Mybi, A-Cash, etc., and prepaid electronic money providers such as Seoul Smart Card and Busan Hana Card. The above six e-money issuers have issued more than 6 million copies since 2000, but most e-money companies threaten the basis of their business operations, except for a few companies whose usage is very small and even dominate the top market. The company is struggling with sluggish earnings. This is the result of each e-money provider's market-sharing business such as recruiting merchants with each system.

As is known, based on these markets and trends, by securing the PSAM of each electronic money operator and establishing a PSAM Management System, the electronic money Master affiliates integrated and manages the electronic money payment system in the wired and wireless content market. By conducting user authentication and transaction using the registered electronic money installed on the mobile phone, it is possible to securely make payments while avoiding exposure of personal credit information such as preventing identity theft, misuse of minors, and entering social security numbers. There is an advantage that it can.

In the case of the phone bill-type micropayment service using the conventional SMS method, the payback rate of the CP due to the occurrence of the bad debt does not exceed 80%. Overcoming this, there is an industrial advantage that micro-payment services using electronic money can be activated and the electronic money industry can be avoided and activated.

1 is a diagram schematically illustrating a configuration of a micro payment service using a conventional SMS method.

Referring to Figure 1, a brief description of a small payment service using a conventional SMS method, the buyer 100 purchases goods or content from the online seller 200 to request the seller 200 to make a payment and mobile phone payment If is selected, a payment window established by the electronic payment relay provider (300, PG, Payment Gateway, hereinafter PG) is displayed and the buyer 100 enters predetermined payment information such as a mobile phone number and social security number. The PG 300 determines the approval by interworking with the mobile communication service provider 400 and generates an approval number when the approval requirement is satisfied and transmits the approval number to the mobile communication terminal of the purchaser 100 through a short message. When the purchaser 100 inputs the approval number received in the short message into the payment window, the PG 300 compares the database approval number with the retransmission approval number and finally approves the product payment.

2 is a schematic diagram of an authentication procedure system in a micropayment service using a conventional ARS scheme. Referring to Figure 2, briefly explaining the authentication process system in a small payment service using the conventional SMS method, the seller 200 transmits the mobile phone number and social security number, which is the buyer's payment information, to the PG 300 and requests authentication. Then, the PG 300 makes an authentication request to the mobile communication company, and transmits the authentication number generated as a result of the authentication to the user's mobile phone by SMS, and the purchaser enters the authentication number into the payment window of the seller.

As described above, the payment method is a micro payment service of a predetermined amount or less, and the amount to be paid by the purchaser 100 to the seller 200 together with the billing of the mobile communication fee or the communication fee by the mobile carrier 400 or the service provider. Billed monthly. In this case, since the mobile carrier pays the seller only the amount collected after the purchaser's mobile phone charges are collected, the bad debts generated from the mobile communication fee are covered by CP, and the ratio of CP recovering the payout is more than 80%. I can't.

On the other hand, in the payment method as described above, in order for the purchaser 100 to purchase goods or contents from the seller 200, it is necessary to enter personal information such as a social security number and a name together with a mobile phone number online, and PG ( 300 performs a payment procedure through interworking with the mobile communication company 400 as described above based on the personal information or phone number of the buyer 100 provided in this way.

3 is a schematic diagram showing the configuration of a payment service of K-Cash, which is a typical electronic money.

Referring to Figure 3, briefly describe the payment service of the typical representative electronic money K-Cash When a buyer purchases a product at the merchant and makes a payment request, the merchant immediately sends transaction details to the VAN company 500. Withdraw the purchase price from the buyer's electronic money. After the FSS sends the transaction data to the purchaser and issuing agency and processes the difference between the two, the acquirer consists of depositing the sales price to the seller.

4 is a schematic diagram of an authentication procedure system in a payment service of a typical representative electronic money K-Cash.

Referring to FIG. 4, when the authentication process system in the payment service of K-Cash is substantially blind, the electronic money service provider immediately authenticates the buyer's transaction without the separate authentication process for the electronic money user, and the electronic money service provider is the buyer. It is structured to deduct the amount from electronic money based on the transaction data.

As described above, the payment method does not have a user authentication process for the electronic money user, so that a minor may pay for adult content subscribed to the parent's social security number. There may be negative perspectives on society due to the problems of self-identification and adult authentication procedures, and also the hassle of having to have a dummy payment terminal that can be used by inserting an IC card in a PC environment in order to use electronic money. exist. These problems can be provided through the mobile electronic money payment service system and the convenience of use at the same time as authentication and adult authentication. In addition, by providing PSAM to the master merchant without the effort of recruiting merchants, there is an advantage in that the user's convenience in the mobile environment and the cost for recruiting merchants of the electronic money operator can be reduced.

The mobile micropayment service method using the conventional SMS as described above lacks the security of identity authentication and adult authentication, and the business structure itself has a very disadvantageous structure from a seller, that is, CP. The purchaser using the service could not accurately identify whether the seller has the personal information provided to the seller or the online PG, and thus the name may be stolen. However, there is a problem in that the personal information may be leaked when the social security number is input.

In addition, the conventional electronic money payment service method is an issuance process through offline registration in addition to the issuance process, and there are cumbersome elements about the process, and there is no electronic money user's own procedure when using the service, which burdens both the user and the merchant. It is structured.

Accordingly, an object of the present invention is to secure the PSAM of each electronic money operator and establish an integrated PSAM Management System to integrate and manage the electronic money payment system in the wired and wireless contents market, and to mount it on a mobile phone based on this system. By conducting user authentication and transaction using registered electronic money, it is possible to securely make payments while preventing theft of persons, preventing misuse of minors, and exposing personal credit information such as entering a social security number. The purpose is to provide a payment method.

In the mobile electronic money micropayment service method of the electronic money master merchants to secure the PSAM of each electronic money operator and to establish an integrated PSAM Management System to integrate and manage the electronic money payment system in the wired and wireless content market. The purchaser purchases goods or contents online and selects an authentication payment using a mobile electronic money (hereinafter, referred to as a mobile electronic money payment) as a payment method; When the purchaser enters the mobile communication terminal telephone number in the payment window on the web, the seller sends the inputted mobile communication terminal number to the electronic money master affiliated store and requests payment approval; Requesting payment approval through the wireless network of the mobile carrier to which the electronic money Master affiliated store; The mobile carrier confirming the purchase intention of the purchaser and requesting the PIN number to be entered; A purchaser inputting a PIN for accessing the electronic money card chip of the mobile communication terminal; The mobile telecommunication company accesses the smart chip and transmits subscriber information of the electronic money and mobile terminal subscriber information to the master affiliated store; The master affiliated store determines the suitability of authentication of the information of the buyer in the authentication server; The master merchant withdraws the transaction amount from the electronic money of the buyer when the authentication conditions are satisfied and transmitting the transaction authentication information to the seller; The master affiliated store transmits the transaction history to the corresponding electronic money operator; Transmitting, by the electronic money operator, a predetermined transaction fee to the Master merchant; Smart card-type electronic money based on the electronic money Master Merchant built an integrated PSAM Management System, characterized in that the Master Merchant sends a fee to the mobile carrier and transfers the remaining sales amount of a certain fee to the seller It can be achieved by a mobile electronic money micropayment service method including identity verification and adult authentication using.

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

FIG. 5 is a schematic diagram illustrating a micropayment system equipped with an electronic money master affiliated store that has a system for integrated management of PSAM of a plurality of electronic money issuing operators according to the present invention. Each e-money provider has a CSAH (Center SAM) and provides a PSAM (Purchsase SAM), which has the authority to pay electronic money, to the Master Merchant, who installs each of these PSAMs into the PSAM Integrated Management System. It is structured to build and operate an electronic money payment system. Electronic money merchants establish integrated electronic money payment S / W in wired / wireless internet shopping malls, and access to information on IC card type electronic money installed in mobile communication terminals by accessing mobile communication terminals of buyers through alliances with mobile carriers. And perform payment processing and implement access to mobile subscriber information. On the basis of the electronic money subscriber information and mobile communication subscriber information, it is configured to perform a self-authentication and adult authentication procedure and make an authentication conformance or non-conformity determination when verifying payment.

6 is a flow chart through which electronic money payment is made through identity verification and adult authentication through a master affiliated store that is constructing a PSAM integrated management system according to the present invention. If the seller on the Internet sends a mobile phone number received from the user when the user requests the electronic money payment service, the master merchant sends the mobile phone number to the mobile carrier. The mobile operator confirms the electronic money payment to the subscriber of the mobile communication terminal and requires the entry of a PIN number. When the subscriber enters the PIN number, the mobile operator accesses the electronic money card installed in the mobile phone, and the mobile carrier uses the subscriber information and card information of the electronic money card as encrypted data. To transmit. The Master Merchant makes a decision on the payment authentication in the authentication system based on the mobile subscriber information and the electronic money subscriber information received in the above procedure, and when the payment authentication is made, the purchase price is withdrawn from the buyer's electronic money and sent to the corresponding electronic money service provider. Send transaction details. Also, the transaction history is transmitted to the mobile communication company so that the transaction history display and the balance display can be performed on the purchaser's mobile terminal. When the transaction is completed by the above procedure, the Master Merchant receives the payment from the electronic money company and sends the predetermined fee to the mobile carrier and sends the payment to the seller except for a certain amount of money. have.

7 is a flowchart illustrating a micropayment service for each operator participating in the electronic money settlement service of FIG. 6 according to the present invention. 1) The buyer requests the seller of the online shopping mall to pay for the product and selects a mobile electronic money payment method. 2) The online seller who receives the mobile e-money payment request requests the payment authorization from the Master Merchant and sends the buyer's phone number. (You can also send the site member information.) 3) The Master Merchant sends the buyer's certification application information to the mobile carrier and performs the process for mobile electronic money payment verification. 4) The mobile carrier sends SMS to the mobile subscriber to confirm the payment intention and to enter a PIN number. 5) The purchaser enters a PIN to allow access to the electronic money installed in his mobile terminal. At this stage, the mobile operator accesses subscriber information of the electronic money owned by the buyer and other electronic money information necessary for payment. 6) The mobile telecommunication company transmits the electronic money subscriber information and the mobile subscriber information obtained in the above step to the master merchant as encrypted data. The master merchant runs an authentication server to determine whether the purchaser approves the payment request. In this stage, the product and the content are divided. In the case of general merchandise or content, the electronic money subscriber information is used to determine whether to approve it, and the adult content is determined based on the correspondence between the mobile subscriber information and the electronic money subscriber information. do. 7) After deciding whether to approve or not, the Master Merchant sends the buyer the information about the balance shortage through the mobile communication network based on the electronic money information. 8) If there is a balance, the transaction amount is withdrawn from the buyer's electronic money using PSAM. 9) The Master Merchant sends the deduction and balance information to the purchaser's mobile terminal using the mobile communication network. 10) The master affiliate stores the transaction details to the mobile carrier. 11) The Master Merchant sends the transaction details to the electronic money provider. 12) Master Merchant sends the completed transaction to the seller. 13) The seller delivers the product to the buyer or downloads the content based on the transaction completion information. 14) The electronic money operator remits the transaction amount to the Master Merchant based on the transaction details. 15) The Master Merchant sends a fee to the mobile carrier. 16) The master merchant remits the selling price to the seller excluding a predetermined fee, thereby completing the mobile electronic money settlement process.

8 is a schematic diagram illustrating a web UI and a mobile phone UI for a payment service using mobile electronic money in an online shopping mall according to the present invention. When the buyer requests payment for the product, the web UI of the seller opens a window for selecting a payment method for purchasing the product (S10). When the buyer selects the mobile electronic money payment, the buyer's mobile phone number input window opens (S20). When the purchaser completes the input of the mobile communication phone number, the encryption module is driven along with a message window for attaching the electronic money card to the mobile phone (S30). At this stage, the mobile operator operates a security system for access to electronic money installed in the buyer's mobile terminal. When the setting of the encryption environment is completed, the transaction application details are displayed on the purchaser's mobile communication terminal and the authentication information is transmitted (S40). The buyer enters the PIN number of the valuable electronic money to allow the transmission of the authentication information (S50). When the purchaser completes the input of the PIN number, a screen for performing an authentication process is displayed, and after completion of processing, a window is displayed to notify the completion of the user authentication and payment approval (S60). In this stage, complex authentication procedures for subscriber information between the master merchant and the mobile carrier are performed. After the payment is completed, the contents of the payment amount and the balance information are displayed (S70), and the UI is terminated.

In recent years, the number of wired and wireless Internet users has increased rapidly, and various contents have emerged. In the use of the contents, an SMS-type phone bill type mobile payment service that inputs a social security number and receives and inputs an authentication number using a mobile phone is mainly used. As the use of Internet users and the illegal use and theft of people have emerged, the problem of security of SMS method has been raised, which is directly related to the morality of mobile communication companies. In addition, the government is enforcing the direction of the use of accredited certificates by restricting the collection of social security numbers online while promoting the Personal Information Protection Act. However, in the field of small payments, which mainly dominate mobile payment services, the certification process through certification is difficult and cumbersome, and the content industry claims that application of a certificate in the field of small payments is premature. Mobile carriers are also concerned about reducing sales in the wired and wireless contents sectors following the enforcement of the Personal Information Protection Act.

On the other hand, IC card type pendulum issuers have 6 companies including K-Cash, Mondex, VisaCash, Mybi, A-Cash, and since 2000, they issued more than 6 million cards. Except for a few companies that dominate the market, most electronic money providers are struggling with sluggish performance that threatens their business operations. This is the result of each e-money provider's market-sharing business such as recruiting merchants with each system.

As is well known, based on these markets and trends, by securing the PSAM of each electronic money provider and establishing an integrated PSAM Management System, the electronic money Master affiliates integrated the electronic money payment system in the wired and wireless content market. By conducting user authentication and transaction using the registered electronic money installed on the mobile phone, it is possible to securely make payments while avoiding exposure of personal credit information such as preventing identity theft, misuse of minors, and entering social security numbers. There is an advantage that it can. In addition, each e-money company has a standardized Master Merchant without opening individual markets as a way to overcome the limitations of the business structure within the closed domain. By entering the micropayment market, it is possible to expand the market infinitely.

In addition, in the case of the phone bill-type micropayment service using the conventional SMS method, the payback rate of CP due to the occurrence of a bad debt does not exceed 80%. In this way, the micropayment service using electronic money will be activated, and it will be able to secure the financial resources to try new markets such as offline based on the activation of the electronic money industry.

The most important and effective aspect is that as the Personal Information Protection Act enters into force, mobile phone companies and wired / wireless shopping malls can offer self-identification and adult authentication using smart card-type electronic money as the safest alternative to the restriction policy on the collection of personal information. This satisfies the government's policies and enables secure and accurate identity verification and adult verification even if the personal information such as social security number is deleted from the online shopping mall.

1 is a configuration diagram schematically showing the configuration of a micro payment service using a conventional SMS method.

2 is a schematic diagram of an authentication procedure system in a micropayment service using a conventional ARS scheme.

Figure 3 is a schematic diagram showing the configuration of a payment service of K-Cash which is a typical representative of the conventional electronic money.

Figure 4 is a schematic diagram of the authentication procedure system in the payment service of K-Cash which is a typical representative electronic money.

5 is a schematic diagram illustrating a micropayment system equipped with an electronic money master affiliated store that has a system capable of integrated management of PSAMs of a plurality of electronic money issuing operators according to the present invention.

Figure 6 is a flow chart through which electronic money payment is made through identity verification and adult authentication through a master merchant that is building a PSAM integrated management system according to the present invention.

Figure 7 is a micropayment service flow chart for each operator participating in the electronic money payment service of Figure 6 according to the present invention.

8 is a schematic diagram illustrating a web UI and a mobile phone UI for a payment service using a mobile electronic money in an online shopping mall according to the present invention.

<Description of the code | symbol about the principal part of drawing>

100: Buyer 200: Seller

300: electronic payment center 400: mobile communication service provider

500: Electronic Money Master Merchant

Claims (3)

The Electronic Money Master Merchant secures a single electronic money PSAM by partnering with one Electronic Money Company, and acts as the Master Merchant of Electronic Money companies for electronic transactions occurring on the wired and wireless Internet, and the sellers on the Wired and Wireless Internet become secondary merchants. . The Electronic Money Master Merchant has the authority to inquire the mobile subscriber information of the mobile carrier through the alliance with the mobile carrier, and accesses the electronic money mounted on the buyer's mobile terminal through the mobile communication network. It is a structure that can access information. The electronic money used for the mobile electronic money payment service according to the present invention is applicable to six electronic money of K-Cash, Mondex, VisaCash, Mybi, A-Cash, Seoul New Transportation Card, and local transportation card. . E-money operators have CSAM (Center SAM) and provide PSAM (Purchase SAM), which has the authority to pay electronic money, to the Master Merchant, who installs each PSAM in the PSAM Integrated Management System The payment system is constructed and operated. Electronic money merchants build integrated electronic money payment S / W in wired and wireless Internet shopping malls, Through the alliance with the mobile carrier, the buyer accesses the mobile communication terminal, accesses and pays the information of the IC card type electronic money installed in the mobile communication terminal, and implements access to the mobile subscriber information. Based on the electronic money subscriber information and the mobile communication subscriber information, an electronic money master affiliate store that has an integrated PSAM management system that performs self-authentication and adult authentication procedures and makes an appropriate or inadequate decision upon authentication of payment. Mobile e-money micropayment service method including self-identification and adult authentication using smart card-type electronic money. The mobile communication terminal according to the present invention has a meaning including all mobile communication terminals adopting the conventional CDMA, WCDMA, and Wibro communication scheme. Electronic money according to the present invention includes all K-Cash, Mondex, VisaCash, Mybi, A-Cash electronic money and prepaid transportation card Seoul New Transportation Card (T-money), Hanaro Card, other local prepaid transportation card, Collectively referred to herein as electronic money. Claim 1 includes a plurality of electronic money issuing companies, not one electronic money issuing business. Claim 1 of claim 1 includes a plurality of electronic money rather than a single electronic money. Claim 1 of claim 1 includes a plurality of PSAMs rather than a single PSAM. In the mobile electronic money micropayment service method including identity verification and adult authentication using a smart card-type electronic money through an electronic money master merchant that is establishing an integrated PSAM Management System, Requesting payment after the buyer selects the mobile electronic money payment in the payment window of the seller and inputs the mobile phone number of the buyer according to the payment procedure on the wired / wireless Internet; Seller sends the buyer's mobile phone number and membership information to the Master Merchant and requests the transaction verification; Requesting a process for transmitting a mobile phone number of a buyer to a mobile carrier and performing a mobile electronic money payment service to a master affiliate store; The mobile carrier checks the payment application history and payment intention of the purchaser's mobile communication terminal, and requests a PIN number for allowing access to the battery money installed in the mobile communication terminal of the purchaser when there is a payment intention; Allowing the purchaser to access the electronic money by inputting a PIN number of the electronic money mounted on the mobile communication terminal and pressing the confirmation button according to the payment process; Transmitting electronic money subscriber information and mobile communication subscriber information obtained by accessing the buyer's electronic money and the mobile subscriber information as encrypted data to the master merchant so that the master merchant can proceed with the transaction authentication and approval process for the buyer's payment request. Wow; When merchants meet the transaction authentication and approval requirements based on the data received from the mobile carriers, the master merchant withdraws the transaction amount from the buyer's electronic money using PSAM and displays the deduction information and balance information on the buyer's mobile terminal. Giving steps; The master merchant transmits the transaction details to the mobile communication company, the electronic money company, and the seller; E-Money transfers the payment to the Master Merchant based on the transaction details, and the Master Merchant sends the remaining payment to the seller from the amount received, excluding a certain fee, and transfers the predetermined fee to the mobile carrier. Mobile electronic money payment settlement method characterized in that the process is completed.