WO2014030873A1 - Procédé, terminal mobile, support d'enregistrement et système de fourniture de service de paiement mobile - Google Patents

Procédé, terminal mobile, support d'enregistrement et système de fourniture de service de paiement mobile Download PDF

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Publication number
WO2014030873A1
WO2014030873A1 PCT/KR2013/007290 KR2013007290W WO2014030873A1 WO 2014030873 A1 WO2014030873 A1 WO 2014030873A1 KR 2013007290 W KR2013007290 W KR 2013007290W WO 2014030873 A1 WO2014030873 A1 WO 2014030873A1
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WIPO (PCT)
Prior art keywords
purchase
application
message
mobile terminal
server
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PCT/KR2013/007290
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English (en)
Korean (ko)
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여재흥
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주식회사 네오위즈인터넷
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Publication of WO2014030873A1 publication Critical patent/WO2014030873A1/fr

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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
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/356—Aspects of software for card payments
    • 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
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/326—Payment applications installed on the mobile devices
    • G06Q20/3267—In-app payments
    • 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
    • G06Q20/12—Payment architectures specially adapted for electronic shopping 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
    • G06Q20/08—Payment architectures
    • G06Q20/14—Payment architectures specially adapted for billing 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
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • 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
    • G06Q20/401—Transaction verification
    • 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
    • G06Q20/42—Confirmation, e.g. check or permission by the legal debtor of payment
    • 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
    • G06Q30/00—Commerce
    • G06Q30/06—Buying, selling or leasing transactions
    • 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
    • G06Q30/00—Commerce
    • G06Q30/06—Buying, selling or leasing transactions
    • G06Q30/0601—Electronic shopping [e-shopping]

Definitions

  • the present invention relates to a payment service technology.
  • the object of the present invention is to allow an application developer to develop an application without having to consider the different purchase procedures of different types of application stores in an environment where the same application is distributed through different types of application stores. It is to provide a standardized mobile payment service.
  • the present invention provides a mobile payment service in a mobile terminal, the processor executes an application, if the purchase request information for the goods associated with the application is input
  • the processor receives a purchase verification response message corresponding to the purchase verification request message from the service server, a validity payment processing step of controlling the product to be used in association with the application.
  • the invention provides a communication module for communicating with an application product server and a service server; And executes an application, and when the purchase request information about the product associated with the application is input, controls the purchase request message for the product to be transmitted to an application store server, and a purchase completion message corresponding to the purchase request message is received. And a processor for controlling the purchase verification request message to be transmitted to the service server, and when the purchase verification response message corresponding to the purchase verification request message is received from the service server, the product to be used in association with the application. It provides a mobile terminal providing a mobile payment service including.
  • a method for providing a mobile payment service by a mobile terminal comprising: a purchase initiation step of controlling a processor to execute an application so that information about an interworking with a service server and information on an application store type is checked; A purchase request step of outputting purchase request information on the product by the processor when the purchase request information on the product associated with the application is input; And when the processor confirms the purchase transaction success information, it provides a method for providing a mobile payment service including a validity payment processing step of controlling the product is available in connection with the application.
  • the present invention provides a recording medium for recording a method for executing a method for providing a mobile payment service by a mobile terminal, wherein the processor of the mobile terminal executes an application to execute a product related to the product.
  • a purchase request function for controlling a purchase request message for the product is transmitted to an application store server, and when the processor receives a purchase completion message corresponding to the purchase request message, a purchase verification request message is displayed.
  • a purchase verification request function for controlling transmission to a service server; and when the purchase verification response message corresponding to the purchase verification request message is received from the service server, the processor controls the product to be used in association with the application.
  • Payment destination It provides a computer readable recording medium storing a program for implementing the function.
  • a purchase request message for a product associated with an application is transmitted to an application store server, and when a purchase completion message corresponding to the purchase request message is received, a purchase verification request message is transmitted, and the purchase verification request message is sent.
  • a mobile terminal for controlling the product to be used in association with the application when a corresponding purchase verification response message is received; And when the purchase verification request message is received from the mobile terminal, transmits a purchase verification query message to the application store server, and when the purchase verification response message corresponding to the purchase verification query message is received from the application store server, the purchase verification response. It provides a system for providing a mobile payment service including a service server for transmitting a message to the mobile terminal as the purchase verification response message.
  • the application developer in an environment in which the same application is distributed through different types of application stores, the application developer can develop the application without having to consider the different purchase procedures of the different types of application stores. It is effective to provide standardized mobile payment service.
  • FIG. 1 is a view schematically showing a system for providing a mobile payment service according to an embodiment of the present invention.
  • FIG. 2 is a block diagram of a mobile terminal for providing a mobile payment service according to an embodiment of the present invention.
  • FIG. 3 is a flowchart illustrating a method for providing a mobile payment service by a mobile terminal according to an embodiment of the present invention.
  • FIG. 4 is a detailed flowchart illustrating a payment processing step in a method for providing a mobile payment service by a mobile terminal according to an embodiment of the present invention.
  • FIG. 5 is a detailed flowchart illustrating a partial failure response step in a method for providing a mobile payment service by a mobile terminal according to an embodiment of the present invention.
  • 6 and 7 are diagrams for explaining an application related to a mobile payment service according to an embodiment of the present invention.
  • 9 and 10 exemplarily illustrate situations in which partial failure occurs in a standard payment process.
  • 11 and 12 illustrate a standard payment process including a partial failure response step.
  • FIG. 13 is another flowchart illustrating a method for providing a mobile payment service according to an embodiment of the present invention.
  • FIG. 1 is a view schematically showing a system for providing a mobile payment service according to an embodiment of the present invention.
  • a mobile payment service is a payment service for purchasing a product in a mobile environment, and is connected to an application installed and executed in a mobile terminal 100 through an application store server 120. Payment service for the purchase of goods.
  • a payment process between the mobile terminal 100, the service server 110, and the application 120 for providing such a mobile payment service is defined and a message transmitted and received for the payment process.
  • the product to be purchased in the present specification is a product associated with an application installed and executed in the mobile terminal 100 through the application store server 120.
  • the application described in the present specification may be developed as a platform related to the service server 110 based on a software development kit (SDK) distributed by the application development company in relation to the service server 110.
  • SDK software development kit
  • the program is downloaded and installed in the mobile terminal 100 through the application store server 120.
  • a payment process and a message related thereto which are performed in the method for providing a mobile payment service according to an embodiment of the present invention, are defined in a software development kit distributed to an application developer in association with the service server 110.
  • a payment process and a message related thereto which are performed in a method of providing a mobile payment service according to an embodiment of the present invention, are defined in a software development kit, they may be differently defined for each application store type for distributing an application. That is, a service company (mobile platform provider) operating the service server 110 may produce a software development kit for each application store type.
  • an application development company develops an application on a platform related to the service server 110 based on the software development kit (SDK), and the application is developed through the application store server 120.
  • SDK software development kit
  • the application described herein may be, for example, one of a game application, a music service application, and the like, but is not limited thereto and may be any application program that may be installed and executed in the mobile terminal 100.
  • the product associated with such an application may be an item or the like that a user can use to execute the application when the application is executed.
  • the application is a game application
  • the game item that can be used when the user plays the game may be a product associated with the application.
  • a system for providing a mobile payment service includes a mobile terminal 100 in which an application is installed and executed, and a request for purchasing a product, and an application execution in the mobile terminal 100.
  • the application store server 120 may further include.
  • the mobile terminal 100 transmits a purchase request message for a product associated with the application to the application store server 120 and, when a purchase completion message corresponding to the purchase request message is received, sends the purchase verification request message to the service server 110.
  • a purchase verification response message corresponding to the purchase verification request message is received from the service server 110, the product is controlled to be used in association with the application.
  • the service server 110 transmits a purchase verification query message to the application store server 120, and the purchase verification response message corresponding to the purchase verification query message is stored in the application store server.
  • the purchase verification response message is transmitted to the mobile terminal 100 as a purchase verification response message.
  • the service server 110 in addition to performing functions related to the purchase and payment of goods available in the application, basically, various service functions related to the application execution in the mobile terminal 100 and A function of storing and managing various types of information (for example, user information and application execution result information) may be performed.
  • the service server 110 stores and manages user information including at least one of user ID, item holding information, game money holding information, game play history information, and the like for each user.
  • the mobile terminal 100 receives a game play score obtained as a result of executing a game application from the mobile terminal 100, calculates game play score ranking information, and performs a process of paying game money or points. have.
  • the application store server 120 checks information on at least one of an application running on the mobile terminal 100 and a product requested to be purchased, and according to the confirmation result.
  • a purchase completion message may be transmitted to the mobile terminal 100, which may include confirmation information that a product desired to be purchased may be normally purchased.
  • the application store server 120 includes a confirmation result that was previously confirmed according to the reception of the purchase request message and a purchase completion message transmitted to the mobile terminal 100.
  • the purchase verification response message may be sent with reference to one or more.
  • the above-described mobile terminal 100 may include a terminal such as a smart phone, a tablet PC, a personal digital assistant (PDA), a mobile communication terminal, and the like, but is not limited thereto.
  • the service server 110 and the application store server ( 120 should be broadly interpreted as any electronic device capable of communicating.
  • the service server 110 and the application store server 120 described above have the same configuration as a conventional Web server, a web application server, or a WAP server.
  • software may include program modules implemented through various languages such as C, C ++, Java, PHP, .Net, Python, Ruby, and so on to perform various functions.
  • the service server 110 and the application store server 120 may be connected to an unspecified number of clients (including the mobile terminal 100) and / or other servers through the network 130, and thus, the service server ( 110) and the application store server 120 refers to a computer system or a computer software (server program) installed for such a computer system that receives a request to perform the work of the client or another server and derives the work result thereof. It may be.
  • the service server 110 and the application store server 120 may also be provided with a series of application programs running on the server, and, in some cases, various databases built internally or externally. It should be understood as a broad concept to include.
  • the database may mean a collection of data in which data such as information or data is structured and managed for the purpose of being used by a server or another device, or may mean a storage medium storing the collection of such data.
  • such a database may include a plurality of databases classified according to a data structure, management method, type, and the like.
  • the database may include a database management system (DBMS), which is software for adding, modifying, or deleting information or data.
  • DBMS database management system
  • each of the service server 110 and the application store server 120 may store and manage content, various information, and data in a database.
  • the database may be implemented inside or outside the server.
  • each of the service server 110 and the application store server 120 according to the operating system such as DOS (Windows), Windows (Linux), UNIX (UNIX), Macintosh (Macintosh), etc. in general server hardware It can be implemented by using various server programs, and typical examples include Web site (Website), Internet Information Server (IIS), and Apache, Nginx, Light HTTP, etc., which are used in Unix environment. Can be.
  • DOS Windows
  • Windows Linux
  • Linux UNIX
  • Macintosh Macintosh
  • server programs such as Web site (Website), Internet Information Server (IIS), and Apache, Nginx, Light HTTP, etc., which are used in Unix environment. Can be.
  • the network 130 is a network connecting the mobile terminal 100, the service server 110, the application store server 120, and the like, and includes a local area network (LAN) and a wide area network (WAN). It may be a closed network or an open network such as the Internet.
  • the Internet includes various services existing in the TCP / IP protocol and its upper layers such as HTTP (HyperText Transfer Protocol), Telnet, File Transfer Protocol (FTP), Domain Name System (DNS), Simple Mail Transfer Protocol (SMTP), The global open computer network architecture that provides Simple Network Management Protocol (SNMP), Network File Service (NFS), and Network Information Service (NIS).
  • HTTP HyperText Transfer Protocol
  • Telnet Telnet
  • Telnet File Transfer Protocol
  • DNS Domain Name System
  • SMTP Simple Mail Transfer Protocol
  • SNMP Simple Network Management Protocol
  • NFS Network File Service
  • NIS Network Information Service
  • the network 130 may further include a wireless access network, such as a Wi-Fi network, a mobile communication network, as an access network of the mobile terminal 100.
  • a wireless access network such as a Wi-Fi network
  • a mobile communication network such as a Wi-Fi network
  • FIG. 2 is a block diagram of a mobile terminal 100 that provides a mobile payment service according to an embodiment of the present invention.
  • the mobile terminal 100 for providing a mobile payment service includes a communication module 210 communicating with an application commodity server 120 and a service server 110, and an application.
  • the control request to send a purchase request message for the product to the application store server 120, and when a purchase completion message corresponding to the purchase request message is received,
  • the processor 220 may control to check whether the service server 110 is interlocked with and information on the type of the application store.
  • the processor 220 may control the purchase price payment process for the product to be performed.
  • the network 130 becomes incapable of transmitting data
  • the service server 110 becomes incapable of receiving data
  • the mobile terminal 100 of the mobile terminal 100 If an abnormal situation occurs in which the communication module 210 becomes impossible to transmit data, the service server 110 may not normally receive the purchase verification request message.
  • the mobile terminal 100 may not receive the purchase verification response message from the service server 110.
  • the purchase verification response message is transmitted from the service server 110, and then the transmission is performed. If the network 130 becomes impossible to transmit data or an abnormal situation occurs in which the communication module 210 of the mobile terminal 100 cannot receive data, the mobile terminal 100 sends a purchase verification response message to the service server. Can not receive from (110).
  • the processor 220 does not receive the purchase verification response message due to an abnormal situation, the product cannot be controlled to be used in association with the application. That is, the user may not be paid for the product even though the user pays for the purchase of the product.
  • the processor 220 if the purchase verification response message is not received from the service server 110 within a certain time from when the purchase verification request message is transmitted due to the abnormal situation as described above, the part of the purchase procedure As a failure, the purchase verification request message may be transmitted to the service server 110 again according to the occurrence of the purchase verification re-request event.
  • the processor 220 does not proceed with the purchase procedure from the beginning again after a partial failure occurs in the purchase procedure, that is, does not control the purchase request message to be sent back to the application store server 110. The process then resumes from the point where the partial failure occurred.
  • the processor 220 manages a purchase transaction until input of purchase request information on a product and controlling the product to be used in association with an application.
  • the processor 220 may assign and manage a unique transaction ID for each purchase transaction for managing a purchase transaction, and in some cases, a transaction ID to one or more of the service server 110 and the application store server 120. Can tell.
  • the processor 220 informs the application store server 120 of the purchase transaction end message when the purchase transaction is completed, that is, when control of the product is available in connection with the application is completed, the application store. Transmit to server 120.
  • the processor 220 transmits a purchase transaction end message to the application store server 120, whereby the application store server 120 is associated with the same product purchase in relation to the same user information (eg, user ID). You may not answer the purchase verification question. Accordingly, it is possible to prevent the illegal purchase of goods by stealing user information.
  • the application store server 120 is associated with the same product purchase in relation to the same user information (eg, user ID). You may not answer the purchase verification question. Accordingly, it is possible to prevent the illegal purchase of goods by stealing user information.
  • the processor 220 based on the software development kit (Software Development Kit (SDK)) distributed in association with the service server 110, an application developed by the platform associated with the service server 110, the application store server 120 It can be downloaded and installed in the memory 230 through.
  • SDK Software Development Kit
  • FIG. 3 is a flowchart illustrating a method for providing a mobile payment service by the mobile terminal 100 according to an embodiment of the present invention.
  • the processor 220 executes an application, so that purchase request information for a product associated with the application is displayed. If it is input, the purchase request step (S302) for controlling the purchase request message for the product is transmitted to the application store server 120, and when the processor 220 receives a purchase completion message corresponding to the purchase request message, the purchase verification request If the purchase verification request step (S306) of controlling the message to be sent to the service server 110, and the processor 220 receives a purchase verification response message corresponding to the purchase verification request message from the service server 110, the product is an application And payment processing step (S308) for controlling to be used in conjunction with the.
  • the application before the purchase request step S302 described above, whether the application is interworked with the service server 110 and the application is performed. It may further include a purchase initialization step (S300) for controlling so that the information on the store type is confirmed.
  • S300 purchase initialization step
  • a purchase completion message corresponding to the purchase request message is received. If received, it may further include a purchase payment processing step (S304) for controlling the purchase payment processing for the product is performed.
  • the method for providing a mobile payment service after the purchase verification request step (S306), from the time when the purchase verification request message to the service server 120 If a purchase verification response message is not received from the service server 110 within a predetermined time, it is determined that a partial failure has occurred in the purchase procedure, and a partial failure response step of controlling the purchase verification request message to be sent back to the service server 110. It may further include (S307).
  • the purchase transaction to send a purchase transaction termination message to the application store server 120 may further include.
  • the validity payment processing step (S308) the purchase verification completed to control to confirm that the purchase verification response message is received from the service server 110 within a certain time from the point of time when the purchase verification request message is transmitted Confirmation step (S400), the purchase transaction success information generation step (S402) for controlling the generation of the purchase transaction success information, and the goods payment processing step (S404) for controlling the product can be used in association with the application.
  • the processor 220 controls to change the state of the product information of the product previously stored in the mobile terminal 100 to the available state, or product information from the service server 110 By controlling that is received and stored, it is possible to control the product to be available in association with the application.
  • the purchase verification re-request step (S506) may be controlled to be transmitted back to 110.
  • a purchase verification re-request event occurs according to re-execution of an application, or purchase verification is performed according to preset retry time information.
  • the purchase verification re-request event generation step (S504) of controlling to generate a re-request event may be further included.
  • the above-mentioned application is developed in a platform related to the service server 110 based on a software development kit distributed in association with the service server 110, and the memory of the mobile terminal 100 through the application store server 120 is provided.
  • 230 may be a program downloaded, installed, and executed.
  • the mobile terminal 100 may be a different type of application store (“App Store”) according to a terminal manufacturer (eg, Apple, Samsung, LG, HTC, Nokia, etc.) or an operating system (eg, iOS, Android, Symbian, etc.) or a carrier. "Also known as a” store "to download and install applications.
  • Each terminal manufacturer or each operating system developer or each telecommunication company has its own application store with a unique purchase payment procedure.
  • Each application store operates through an application store server 120.
  • Such application stores are, for example, the Apple App Store and the Google Play Store.
  • the service server 110 of a service company eg, a game publishing company, etc.
  • a service company e.g., a game publishing company, etc.
  • a service company eg, a game publishing company, etc.
  • SDK software development kit
  • the application 600 as described above includes a main function related program 610 and a platform related program 620 associated with a software development kit received from a service company.
  • the main function related program 610 and the platform related program 620 are read and executed by the processor 220 of the mobile terminal 100.
  • the main function related program 610 such as a function directly related to game play and a function associated with a software development kit, and a service server 110 in relation to a game.
  • a platform-related program 620 such as a function for interworking with an application store server 120 and a service server 110 for purchasing a product in relation to a game.
  • an application developer may not only have to change the platform-related programs 620 for different application stores, but also have to develop different main function-related programs 610 for different application stores. have.
  • the service provider provides the application development company with a software development kit (SDK) capable of responding to different purchase and payment processing of the application store
  • SDK software development kit
  • an application development company may use SDK 2 linked to purchase payment processing of an application store 1 and SDK 2 linked to purchase payment processing of an application store 2 for developing the same application to be distributed through three application stores.
  • An application (600-1) distributed through the application store 1 an application (600-2) distributed through the application store 2, an application store (supplied by the service provider), which is connected to the purchase payment processing of the application store 3
  • an application 600-3 that is distributed over 3.
  • Each of the applications 600-3 distributed to the terminal 100-3 is different from the platform-related program 620 that can be linked to a unique purchase payment process of a corresponding application store at the time of payment of a product purchase.
  • the programs 610 may all be identical.
  • the main function related program 610 related to the main function of the application to be developed can be standardized without changing, so that payment processing for the purchase of goods associated with such an application can be performed.
  • the payment processing part performed by the main function related program 610 is the same.
  • the payment process according to the method for providing a mobile payment service according to an embodiment of the present invention may be referred to as a "standard payment process.”
  • step S800 purchase initialization information including application store type and interworking information with the service server 110 is sent.
  • the platform related program 620 that is, the mobile terminal 100 transmits a purchase request message to the corresponding application store server 120 (S806).
  • the application store server 120 receives the purchase request message, checks the application 600 of the mobile terminal 100 or the product ID, and the like, and sends a purchase response message corresponding to the purchase request message according to the confirmation result of the mobile terminal 100. That is, it transmits to the platform-related program 620 in the application 600 (S808).
  • the platform related program 620 in the application 600 performs payment processing for the purchase price for the corresponding product.
  • the purchase price payment process such as subtracting the user's game money or cash payment processing can be performed.
  • the platform related program 620 in the application 600 transmits a purchase verification request message to the service server 110 in order to further proceed with an additional confirmation procedure for product purchase (S810).
  • the service server 110 applies the purchase verification query message (S812) to ask the application store server 120 whether the purchase request and response procedure (steps S806 and S808) for the corresponding product is normally performed.
  • the store server 120 transmits (S812).
  • the application store server 120 refers to the result of performing the purchase request and response procedure performed in steps S806 and S808, and the purchase request and response procedure (steps S806 and S808) for the corresponding product is normally performed.
  • the purchase verification reply message confirming the fit is transmitted to the service server 110 (S814).
  • the service server 110 transmits the purchase verification response message received from the application store server 120 to the mobile terminal 100, that is, the platform related program 620 in the application 600, as a purchase verification response message. (S816).
  • the program-related program 620 in the application 600 receives a purchase verification response message within a predetermined time in a normal case.
  • the program related to the main function related to the purchase transaction success information indicating that the purchase transaction was successfully performed.
  • the method sends to 610 (S818).
  • the main function related program 610 may perform a validity payment process of controlling the corresponding product to be used in association with the application 600 (S820). In this case, interworking with the service server 110 may be made.
  • the main function related program 610 sends the purchase end information (possibly including a transaction ID) to the platform related program 620 that the purchase transaction is terminated (S822).
  • the platform-related program 620 transmits a purchase transaction termination message to the application store server 120, so that all purchase transactions related to steps S806, S808, S812, S814, etc., to which the application store server 110 was involved, are all included. It may be informed that the termination (S824). This procedure may or may not be per application store server 120.
  • the information transfer between the main function related program 610 and the platform related program 620 described above may be performed by a function call.
  • the main function related program 610 and the platform related program 620 and the like perform a certain function, that the processor 220 of the mobile terminal 100 performs the main function related program 610 and the platform related program of the application 600. While executing 620, this may mean that a corresponding function is performed.
  • 9 and 10 exemplarily illustrate situations in which partial failure occurs in a standard payment process.
  • step S810 as the processor 220 of the mobile terminal 100 executes the platform related program 620, the purchase verification response within a predetermined time after the purchase verification request message is controlled to be transmitted. Illustrates a situation in which no message is received.
  • step S810 as the processor 220 of the mobile terminal 100 executes the platform related program 620, after the purchase verification request message is controlled to be transmitted, the communication module of the mobile terminal 100 ( 210 or the network 130 is in an abnormal state, so that the purchase verification request message may not be normally delivered to the service server 110. As a result, the mobile terminal 100 purchases within a predetermined time (T).
  • T A diagram illustrating a situation in which a verification response message is not received from the service server 110 by way of example.
  • step S810 as the processor 220 of the mobile terminal 100 executes the platform related program 620, after the purchase verification request message is controlled to be transmitted, the service server 110 requests the purchase verification.
  • the message is normally received and the purchase verification query response procedure (S812, S814) between the service server 110 and the application store server 120 has been normally performed, the communication module 210 or the network 130 of the mobile terminal 100 is performed.
  • T a predetermined time
  • the mobile terminal 100 may not receive the purchase verification response message within a predetermined time from when the purchase verification request message is transmitted. In this case, the mobile terminal 100 determines that a partial failure has occurred in one purchase transaction procedure.
  • a partial failure response step (parts indicated by dotted lines in FIGS. 11 and 12) to proceed from the portion determined to be partial failure is performed. Can be.
  • 11 and 12 illustrate a standard payment process including a partial failure response step.
  • the platform related program 620 of the application 600 transmits a purchase verification request message in operation S810, if a purchase verification response message is not received within a predetermined time T, the purchase verification request message is received. Can be transmitted again immediately (S1100).
  • the service server 110 transmits the purchase verification response message received from the application store server 120 to the mobile terminal 100 as a purchase verification response message (S1106).
  • the platform related program 620 of the application 600 installed in the mobile terminal 100 receives the purchase verification response message within a predetermined time T, it is determined that the purchase transaction is normally performed, and the purchase transaction success information is the main function. Send to the related program (610) (S818).
  • the main function related program 610 may perform a validity payment process of controlling the corresponding product to be used in association with the application 600 (S820). In this case, interworking with the service server 110 may be made.
  • the main function related program 610 sends the purchase end information (possibly including a transaction ID) to the platform related program 620 that the purchase transaction is terminated (S822).
  • the platform-related program 620 transmits a purchase transaction termination message to the application store server 120, so that all purchase transactions related to steps S806, S808, S812, S814, etc., to which the application store server 110 was involved, are all included. It may be informed that the termination (S824). This procedure may or may not be per application store server 120.
  • the platform-related program 620 of the application 600 recognizes whether a purchase verification re-request event occurs and when it is recognized (S1202), may transmit a purchase verification request message again (S1100).
  • the service server 110 transmits the purchase verification response message received from the application store server 120 to the mobile terminal 100 as a purchase verification response message (S1106).
  • the platform related program 620 of the application 600 installed in the mobile terminal 100 receives the purchase verification response message within a predetermined time T, it is determined that the purchase transaction is normally performed, and the purchase transaction success information is the main function. Send to the related program (610) (S818).
  • the main function related program 610 may perform a validity payment process of controlling the corresponding product to be used in association with the application 600 (S820). In this case, interworking with the service server 110 may be made.
  • the main function related program 610 sends the purchase end information (possibly including a transaction ID) to the platform related program 620 that the purchase transaction is terminated (S822).
  • the platform-related program 620 transmits a purchase transaction termination message to the application store server 120, so that all purchase transactions related to steps S806, S808, S812, S814, etc., to which the application store server 110 was involved, are all included. It may be informed that the termination (S824). This procedure may or may not be per application store server 120.
  • Method for providing a mobile payment service according to an embodiment of the present invention described above in the application, which is basically installed in the mobile terminal 100 (this is included in the terminal platform or the operating system or the like basically loaded in the mobile terminal 100) (Which may be included or compatible programs) and is compatible with the operating system of the mobile terminal 100 through an application providing server, such as an application store server 120, an application or a web server associated with the service. It may be possible and executed by an application (ie, a program) installed directly on the mobile terminal 100.
  • an application ie, a program
  • the operating system of the mobile terminal 100 is an operating system, such as a window (Window), a Macintosh (Macintosh) installed in a general PC such as a desktop, or iOS, Android installed in a mobile mobile terminal such as a smartphone, a tablet PC, etc. It may also be a mobile-only operating system such as (Android).
  • the method for providing a mobile payment service is implemented as an application (ie, a program) that is basically installed in the mobile terminal 100 or directly installed by a user. 100) may be recorded on a computer-readable recording medium.
  • the effect payment processing function is performed.
  • all functions corresponding to the method for providing the mobile payment service according to the embodiment of the present invention described above can be executed.
  • Such a program is recorded on a recording medium readable by a computer and executed by a computer so that the above functions can be executed.
  • a computer reads a program recorded on a recording medium and is implemented as a program
  • the above-described program is read by a processor (CPU) of the computer. It may include code coded in a computer language such as C, C ++, JAVA, machine language.
  • Such code may include a function code associated with a function or the like that defines the above-described functions, and may include execution procedure-related control code necessary for a processor of the computer to execute the above-described functions according to a predetermined procedure.
  • the code may further include memory reference-related code for additional information or media required for a processor of the computer to execute the above-described functions at which location (address address) of the computer's internal or external memory. .
  • the code indicates that the processor of the computer is a communication module of the computer (eg, a wired and / or wireless communication module).
  • the communication code may further include communication related codes such as how to communicate with any other computer or server in the remote, and what information or media should be transmitted and received during communication.
  • codes and code segments associated therewith may be used in consideration of a system environment of a computer that reads a recording medium and executes the program. It may be easily inferred or changed by.
  • a computer-readable recording medium having recorded a program as described above may be distributed to computer systems connected through a network so that computer-readable codes may be stored and executed in a distributed manner.
  • any one or more of the plurality of distributed computers may execute some of the functions presented above, and transmit the results to one or more of the other distributed computers, and receive the results.
  • the computer may also execute some of the functions presented above, and provide the results to other distributed computers as well.
  • a computer-readable recording medium recording a program for executing a method for providing a mobile payment service according to an embodiment of the present invention, for example, ROM, RAM, CD-ROM, magnetic Tapes, floppy disks, optical media storage, and the like.
  • a computer-readable recording medium recording an application which is a program for executing a method of providing a mobile payment service, according to an embodiment of the present invention, may be associated with an application store server, an application, or a corresponding service.
  • the storage medium eg, hard disk, etc. included in an application provider server including a web server, or the like, or the application providing server itself, or another computer or a storage medium for recording a program. It may be.
  • a computer capable of reading a recording medium recording an application which is a program for executing a method for providing a mobile payment service includes a smart phone, a tablet PC, a personal digital assistant (PDA) and a mobile communication mobile terminal. It may include a mobile terminal 100, etc., as well as it should be interpreted as any device capable of computing (Computing).
  • a computer capable of reading a recording medium recording an application which is a program for executing a method for providing a mobile payment service is a smart phone, a tablet PC, a personal digital assistant (PDA) and a mobile communication mobile
  • the mobile terminal 100 may download and install the corresponding application from an application providing server including not only the application store server 120 but also other web servers. After downloading from the application providing server to a general PC, it may be installed on the mobile mobile terminal through a synchronization program.
  • FIG. 13 illustrates a part related only to a function of the processor 220 of the mobile terminal 100 executing the main function related program 610 of the application 600.
  • the procedure shown in FIG. 13 is a part performed the same regardless of the type of the application store server 120.
  • FIG. 13 is another flowchart illustrating a method for providing a mobile payment service according to an embodiment of the present invention.
  • the processor 220 executes the application 600 to interwork with the service server 110. And a purchase initialization step (S1300) for controlling information about an application store type and purchase request information about a product associated with the application 600 is input, the processor 220 outputs purchase request information about the product. If the purchase request step (S1302), and the processor 220 confirms the purchase transaction success information, and includes a validity payment processing step (S1304) for controlling the product to be used in association with the application.
  • the application developer in an environment in which the same application is distributed through different types of application stores, the application developer can develop the application without having to consider the different purchase procedures of the different types of application stores. It is effective to provide standardized mobile payment service.

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Abstract

La présente invention concerne une technologie de services de paiement et, plus particulièrement, un procédé, un terminal mobile, un support d'enregistrement et un système de fourniture d'un service de paiement mobile standardisé qui permettent à un développeur d'applications de développer une application sans avoir besoin de considérer sérieusement que les procédures d'achat au niveau de divers types de boutiques d'applications sont différentes les unes des autres, dans un environnement dans lequel la même application est distribuée à un terminal mobile par les divers types de boutiques d'applications. DRAWING: FIG. 1: 100 Terminal mobile 110 Serveur de services 120 Serveur de boutiques d'applications 130 Réseau
PCT/KR2013/007290 2012-08-20 2013-08-13 Procédé, terminal mobile, support d'enregistrement et système de fourniture de service de paiement mobile WO2014030873A1 (fr)

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KR1020120090787A KR101447282B1 (ko) 2012-08-20 2012-08-20 모바일 결제 서비스를 제공하는 방법, 모바일 단말기, 기록매체 및 시스템
KR10-2012-0090787 2012-08-20

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CN108520454B (zh) * 2018-04-10 2023-04-18 平安科技（深圳）有限公司 实时回调订单的方法和***

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