KR20100009153A - Settlement service apparatus, settlement service system and its method - Google Patents
Settlement service apparatus, settlement service system and its method Download PDFInfo
- Publication number
- KR20100009153A KR20100009153A KR1020080069895A KR20080069895A KR20100009153A KR 20100009153 A KR20100009153 A KR 20100009153A KR 1020080069895 A KR1020080069895 A KR 1020080069895A KR 20080069895 A KR20080069895 A KR 20080069895A KR 20100009153 A KR20100009153 A KR 20100009153A
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- South Korea
- Prior art keywords
- payment
- information
- communication terminal
- authentication
- mobile communication
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/16—Payments settled via telecommunication systems
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
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- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04W—WIRELESS COMMUNICATION NETWORKS
- H04W4/00—Services specially adapted for wireless communication networks; Facilities therefor
- H04W4/12—Messaging; Mailboxes; Announcements
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- Business, Economics & Management (AREA)
- Accounting & Taxation (AREA)
- Engineering & Computer Science (AREA)
- Physics & Mathematics (AREA)
- Finance (AREA)
- Strategic Management (AREA)
- General Business, Economics & Management (AREA)
- General Physics & Mathematics (AREA)
- Theoretical Computer Science (AREA)
- Computer Security & Cryptography (AREA)
- Computer Networks & Wireless Communication (AREA)
- Signal Processing (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
Description
The present invention relates to a payment service technique, and more particularly, to a payment service device, a payment service system, and a method suitable for providing a payment service using user authentication information during electronic commerce.
As is well known, electronic commerce is a new concept of commerce, meaning that the mode process of product or service transaction behavior is carried out using electronic means and techniques. As the market emerged, it spread and made many changes to the existing corporate business environment. In other words, buyers can purchase products they want regardless of time and place, and companies can do business regardless of time and place.
In particular, e-commerce can reduce the distribution stage between buyers and producers in the enterprise and industry side, thereby improving price competitiveness, and lowering the price of products due to the reduction of operating costs such as distribution costs and building rent, Increasing flexibility and qualitative changes in the trading target of trade can increase the trading of intangible goods and services, and in terms of purchasing cars, buyers can purchase the products they want anytime, anywhere, On the social side, there is an effect that can spread the mind of informatization to each part of society.
On the other hand, despite the various effects of electronic commerce, various methods for safe and convenient transactions are being executed in the final payment of the service, except for the physical process of delivery of goods. Payment methods using credit cards and electronic checks, payment methods using electronic money, etc. are provided to buyers to perform electronic commerce payments.
However, the payment method used in the conventional electronic commerce has a problem in security and convenience, and the payment method that can further improve the security and convenience for the activation of electronic commerce is required.
Accordingly, the present invention provides a payment service device, a payment service system, and a method for improving security and convenience by using authentication information including an One Time Password (OTP) when providing a payment service. .
In addition, the present invention provides a payment service device that can improve security and convenience through the first authentication using identification information and the second authentication using authentication information including OTP (One Time Password) when providing a payment service. To provide a payment service system and method thereof.
In one aspect, the present invention, the first authentication using the identification information and the corresponding user information from the communication terminal, generates a one time password (OTP) according to the payment to the mobile communication terminal associated with the communication terminal And performing a second authentication by comparing the generated OTP with the OTP included in the payment information from the communication terminal, and confirming the payment after interworking with a financial service server. Provided is a payment service device provided to a mobile communication terminal.
In another aspect, the present invention is a system for providing a payment service for a specific service or product, comprising: a web server for providing a payment screen upon request for payment from a communication terminal and transmitting identification information or payment information transmitted accordingly; The first identification is performed by comparing the transmitted identification information with the user information, the authentication result is transmitted to the web server, and an OTP (One Time Password) corresponding to the payment is generated to perform mobile communication associated with the communication terminal. After transmitting to the terminal, and performing the second authentication by comparing the OTP included in the payment information from the web server and the generated OTP, requesting approval for the payment and sending the payment approval information to the web server and the The payment service server for transmitting to the mobile communication terminal, the payment service server in conjunction with the approval for performing the payment A payment service system including a financial service server is provided.
In still another aspect, the present invention provides a payment service for a specific service or product, the method comprising: transmitting identification information through a first payment screen provided to a communication terminal when a payment request is made; and a user corresponding to the identification information. Performing first authentication based on the information, generating an One Time Password (OTP) according to the first authentication, transmitting the same to the corresponding mobile communication terminal, and providing the first terminal with the first authentication. Transmitting a payment information including the OTP through a payment screen; and performing a second authentication through the payment information and the generated OTP, and providing the payment approval information. to provide.
The present invention, when providing a payment service through the first authentication using the identification information from the communication terminal when the payment request for a specific service or product, and the second authentication using payment information including the OTP generated after the first authentication Security can be further improved, and by performing the authentication process through OTP, which is a one-time password, more convenient payment service can be provided.
Technical Summary of the present invention, after performing the first authentication using the identification information transmitted from the communication terminal and the user information from the mobile communication service at the time of payment for a particular service or product, and generates an OTP for it, After providing the mobile communication terminal as a short message, when the payment information including the OTP is transmitted from the communication terminal, the payment approval information is provided to the communication terminal and the mobile terminal after performing the second authentication by comparing this with the financial information. Through such technical means, problems in the prior art can be solved.
Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings.
1 is a block diagram of a payment service system suitable for providing a payment service using authentication information including an OTP according to a preferred embodiment of the present invention. The
Referring to FIG. 1, the
In addition, the
Subsequently, the
Here, instead of inputting a resident registration number, a mobile communication terminal number, a mobile carrier, etc. as identification information, the
Next, the
In addition, the
Next, the
In addition, when the first authentication is completed, the
The
Next, the mobile
In addition, the
Meanwhile, the short
Next, the
In the above-described invention, the
Therefore, after performing the first authentication using the identification information transmitted from the communication terminal and the user information from the mobile communication service server at the time of payment for a specific service or product, an OTP is generated and the short message is sent to the mobile communication terminal. After providing as a message, when the payment information including the OTP is transmitted from the communication terminal, the payment approval information can be effectively provided to the communication terminal and the mobile communication terminal after performing the second authentication by comparing it with the financial information.
Next, in the payment service system having the above-described configuration, after the first authentication using identification information and the second authentication using OTP in the payment for a specific service or product, the authentication for the corresponding payment is effectively performed and then approved. Describe the payment service process that provides information.
2 is a diagram illustrating a process of providing a payment service using authentication information including an OTP according to an embodiment of the present invention.
Referring to FIG. 2, the
In addition, the
Next, when a payment for a specific service or product from the
In addition, the
Here, instead of inputting a resident registration number, a mobile communication terminal number, a mobile carrier, etc. as identification information, the
Meanwhile, the
Next, the
When the user information related to the first authentication information is requested from the
Accordingly, the
After the first authentication is completed, the
At the same time, the
In addition, when financial information corresponding to the primary authentication information is requested from the
In addition, the
In addition, the
On the other hand, when the payment information corresponding to the second payment screen is transmitted from the
Next, when the payment information is transmitted from the
In addition, the
Meanwhile, the
Accordingly, after performing the first authentication using the identification information of the communication terminal and the user information of the mobile communication service server at the time of payment for a specific service or product, the OTP is generated and provided to the mobile communication terminal as a short message. After the second authentication is performed by comparing the payment information including the OTP of the communication terminal with the financial information, the payment approval information can be effectively provided to the communication terminal and the mobile communication terminal.
In the foregoing description, the present invention has been described with reference to preferred embodiments, but the present invention is not necessarily limited thereto. Those skilled in the art will appreciate that the present invention may be modified without departing from the spirit of the present invention. It will be readily appreciated that branch substitutions, modifications and variations are possible.
1 is a block diagram of a payment service system suitable for providing a payment service using authentication information including an OTP according to a preferred embodiment of the present invention;
2 is a diagram illustrating a process of providing a payment service using authentication information including an OTP according to an embodiment of the present invention.
<Description of the symbols for the main parts of the drawings>
102: communication terminal 104: Internet communication network
106: web server 108: payment service server
110: mobile communication service server 112: financial service server
114: mobile communication network 116: short message service server
118: mobile communication terminal
Claims (21)
Priority Applications (1)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
KR1020080069895A KR20100009153A (en) | 2008-07-18 | 2008-07-18 | Settlement service apparatus, settlement service system and its method |
Applications Claiming Priority (1)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
KR1020080069895A KR20100009153A (en) | 2008-07-18 | 2008-07-18 | Settlement service apparatus, settlement service system and its method |
Publications (1)
Publication Number | Publication Date |
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KR20100009153A true KR20100009153A (en) | 2010-01-27 |
Family
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Family Applications (1)
Application Number | Title | Priority Date | Filing Date |
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KR1020080069895A KR20100009153A (en) | 2008-07-18 | 2008-07-18 | Settlement service apparatus, settlement service system and its method |
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Cited By (7)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
KR20120076590A (en) * | 2010-12-06 | 2012-07-09 | 에스케이플래닛 주식회사 | Method for providing electronic payment by using personal information and subscriber identification module, system, terminal and communication management apparatus therefor |
KR20120076589A (en) * | 2010-12-06 | 2012-07-09 | 에스케이플래닛 주식회사 | Method for providing electronic payment by using subscriber information and subscriber identification module, system, terminal and communication management apparatus therefor |
KR20120076593A (en) * | 2010-12-06 | 2012-07-09 | 에스케이플래닛 주식회사 | Method for providing electronic payment, system, terminal and communication management apparatus therefor |
KR101384846B1 (en) * | 2013-03-28 | 2014-04-15 | 주식회사 한국사이버결제 | Simple payment method using mobile terminal |
KR20150146061A (en) | 2014-06-20 | 2015-12-31 | 주식회사 에버스핀 | Voice recognition authentication system and method for providing authentication service using voice recognition |
WO2016122035A1 (en) * | 2015-01-30 | 2016-08-04 | 주식회사 쿠노소프트 | Card payment system and payment method for enabling pre-transaction confirmation |
KR20160136681A (en) * | 2015-05-20 | 2016-11-30 | 주식회사 케이에스넷 | An incorporated method for a easy payment, a system and a computer-readable storage medium therefor |
-
2008
- 2008-07-18 KR KR1020080069895A patent/KR20100009153A/en not_active Application Discontinuation
Cited By (7)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
KR20120076590A (en) * | 2010-12-06 | 2012-07-09 | 에스케이플래닛 주식회사 | Method for providing electronic payment by using personal information and subscriber identification module, system, terminal and communication management apparatus therefor |
KR20120076589A (en) * | 2010-12-06 | 2012-07-09 | 에스케이플래닛 주식회사 | Method for providing electronic payment by using subscriber information and subscriber identification module, system, terminal and communication management apparatus therefor |
KR20120076593A (en) * | 2010-12-06 | 2012-07-09 | 에스케이플래닛 주식회사 | Method for providing electronic payment, system, terminal and communication management apparatus therefor |
KR101384846B1 (en) * | 2013-03-28 | 2014-04-15 | 주식회사 한국사이버결제 | Simple payment method using mobile terminal |
KR20150146061A (en) | 2014-06-20 | 2015-12-31 | 주식회사 에버스핀 | Voice recognition authentication system and method for providing authentication service using voice recognition |
WO2016122035A1 (en) * | 2015-01-30 | 2016-08-04 | 주식회사 쿠노소프트 | Card payment system and payment method for enabling pre-transaction confirmation |
KR20160136681A (en) * | 2015-05-20 | 2016-11-30 | 주식회사 케이에스넷 | An incorporated method for a easy payment, a system and a computer-readable storage medium therefor |
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