KR20150026566A - Electronic settlement system and process using mobile terminal - Google Patents

Abstract

The present invention relates to an electronic payment system and method which perform primary electronic payment within a micropayment limit amount of money, which is allotted to a corresponding mobile terminal, in an electronic transaction through a communication network by using the mobile terminal and perform secondary electronic payment substitute for the primary electronic payment when a user selects a payment method, which can be certified by a financial institution, with a predetermined period. When the system and the method of the present invention are adopted, the user can perform mobile payment by a very simple way and can replace the payment method with a desired payment method when necessary. The electronic payment system comprises: a user mobile terminal which provides access to a content server through a communication network to request electronic payment with respect to purchase of a content provided from a contact provision server; a payment relay server which executes electronic payment treatment with respect to the purchase of the content which is requested from the mobile terminal; and a communication provider server which stores information of the mobile terminal.

Description

TECHNICAL FIELD [0001] The present invention relates to an electronic payment system and an electronic payment method using a mobile terminal,

The present invention relates to an electronic payment system and an electronic payment method using a mobile terminal. More particularly, the present invention relates to an electronic payment system and an electronic payment method using a mobile terminal, To an electronic settlement system that enables settlement processing to a payment means desired by the user, and an electronic settlement method using the system.

With the rapid development of communication technology, it has become possible to access a commodity or a service provided through a communication network by using a mobile terminal to purchase the commodity or service. In recent years, mobile terminals such as smart phones and smart pads capable of accessing data networks or wireless internet have become widespread. Therefore, in the electronic commerce market, which has conventionally been centered on a personal computer (PC) Is widely used. Accordingly, 'mobile electronic commerce' (so-called 'mobile e-commerce'), which accesses a site providing goods or services through a wireless communication network using a mobile terminal such as a smart phone or a start pad, m-commerce market is growing rapidly and is expected to continue to grow in the future, and the mobile electronic payment market is expected to increase four times in 2014 compared to 2010.

Mobile electronic commerce using a wireless communication network can purchase a desired product or service at a convenient time without limitation of time and space, unlike a conventional communication network using a personal computer (PC) It has advantages. However, when a user wants to purchase a desired product and service by accessing a communication network using a mobile terminal and wants to make a payment, an application or security solution for electronic payment should be downloaded.

Basically, in the electronic payment using mobile terminal, according to the electronic finance regulation of Korea, it is required to have a public certificate for authentication, a keyboard encryption program for security of input information, and an antivirus program for malicious code. However, in order to comply with such electronic financial security regulations, payment and electronic financial services in mobile terminals can not be developed by mobile web method but must be developed in application form.

However, not only a security solution required for electronic payment processing at a specific server or site that provides sales for goods or services, but also a different application related to the payment means selected by the user must be mounted on the mobile terminal. For example, when payment is requested using a credit card, which is the most commonly used payment method in mobile electronic commerce, it is necessary to issue a public certificate for mobile devices. For each financial service and payment service, The complicated process of moving the mobile phone is a considerable inconvenience to the user.

In addition, a security solution or application that requires a card issuer or a credit card company managing the credit card to prevent the use of the credit card, for example, a security solution related to authentication such as a relief click or an ISP (Internet Service Provider) The application must be mounted on its own mobile terminal.

In the case of e-commerce through account transfer, a separate security application certified by KFTC is required. Since a security card input or a number input via an OTP terminal is required for electronic authentication, Electronic settlement in mobile electronic commerce is inconvenient compared to electronic commerce in.

In other words, since a financial institution that manages a credit card in a mobile electronic settlement requires a different security application, a user downloads a security application requested by each financial institution to his mobile terminal, To request payment processing for electronic commerce. As described above, in the electronic commerce using the mobile terminal, since the security solution or the application is downloaded to the payment terminal selected by the user for payment processing, the mobile electronic commerce is recognized as inconvenient. In some cases, mobile e-commerce is abandoned.

Particularly, in electronic commerce through a mobile terminal requesting purchase of goods or services through a wireless communication network such as Wi-Fi, 3G or 4G, unlike web-based electronic commerce using a wired communication network, Due to the instability of the communication network, it is relatively frequent that an appropriate security solution or application for electronic settlement can not be installed in the mobile terminal of the user. Therefore, it often happens that mobile electronic commerce is difficult due to a delay or a delay in payment processing due to the failure of downloading the security solution or application for electronic settlement through the mobile terminal. In such a mobile electronic commerce, it is inconvenient for the mobile electronic commerce due to the difficulty of the electronic settlement processing.

Therefore, in an environment where e-commerce using wired communication is possible like a PC, users are forced to prefer e-commerce using PCs rather than mobile e-commerce transactions. However, in a situation where a wired communication network such as a PC can not be used, there may be cases where an electronic commerce is performed urgently using a mobile terminal.

For example, if the deadline for discounting a specific product or service provided by a social commerce site is imminent, or if the reservation time of a movie is imminent, if the PC can not be used, Need to approach. However, as described above, a security solution or an application for electronic payment processing in a mobile electronic commerce can not be installed in a mobile terminal via a wireless communication network, so that a corresponding product or service may not be purchased.

In consideration of such a problem, for example, a method has been proposed in which payment method information is loaded on a mobile terminal, a user selects a payment means, and a payment password is inputted to request payment. However, even in this case, since the security solution or application according to each payment means must be mounted, the inconvenience of electronic payment using the mobile terminal is not completely eliminated.

In this way, in electronic commerce using a mobile terminal, a new concept of an electronic payment system that enables e-commerce transactions without installing security solutions or applications according to the payment means finally selected by the user, and electronic payment There is a need in the industry to develop a method.

It is an object of the present invention to provide an electronic payment system capable of electronic payment in an electronic commerce using a mobile terminal and an electronic payment method using the system, .

It is another object of the present invention to provide an electronic settlement system and an electronic settlement method capable of electronic commerce using a mobile terminal without downloading a security solution or an application according to a payment means finally selected by a user.

According to the present invention having the above-described object, a mobile terminal of a user accessing a content providing server through a communication network and requesting electronic settlement of purchase of a content provided by the content providing server; A payment relay server for performing electronic payment processing for purchase of the content requested from the mobile terminal; And a communication company server for storing information of the mobile terminal, wherein the payment relay server authenticates the mobile terminal based on the mobile terminal information input from the mobile terminal and information stored in the communication company server, A server for relaying processing of a micropayment for content purchase requested from the mobile terminal authenticated within the micropayment limit allocated to the mobile terminal stored in the server and for accessing the content providing server within a set period after processing of the micropayment If the payment request is made by using another payment means for the content purchase from the terminal of the user, the settlement processing using the other payment means is relayed instead of the micropayment.

At this time, the terminal of the user who accesses the content providing server through a communication network and requests payment processing using the other payment means on behalf of the mobile micropayment may include a personal computer (PC), a notebook computer, or a laptop computer .

According to an exemplary embodiment, the mobile terminal may further include a mobile van (VAN) server for mediating data transmission / reception between the payment relay server and the communication company server for authentication of the mobile terminal and processing of the micropayment.

In addition, the electronic payment system of the present invention may further include a settlement server for accepting settlement using the other settlement means, based on the other settlement means information, for a settlement approval request using the other settlement means from the settlement relay server A card issuer and / or a bank managed server).

Illustratively, the mobile terminal includes a smart phone, a feature phone, a personal digital assistant (PDA), or a smart pad.

Specifically, the payment relay server includes: a payment page providing module for providing a page displaying the payment means to the contents providing server; and a settlement page providing module for requesting the authentication of the mobile terminal from the mobile terminal An authentication inquiry module for authenticating the mobile terminal based on the input authentication number and inquiring whether the mobile terminal has a micropayment limit for the micropayment request requested from the mobile terminal, A mobile payment management module for relaying the process of the micropayment; and a mobile payment management module for performing settlement using the other payment means in place of the mobile micropayment processed by the mobile payment management module when there is a payment request using the other payment means Financial institution payment module .

The payment relay server may include a payment page providing module for providing a page on which the payment means is displayed to the contents providing server when the mobile terminal includes a mobile van (VAN) server, The mobile terminal authenticates the mobile terminal based on the authentication number input from the mobile terminal according to inquiry of the information stored in the communication company server via the VAN server, An authentication inquiry module for inquiring whether the mobile terminal has a micropayment limit stored in the communication company server via a server; a mobile payment management module for relaying processing of the micropayment requested by the mobile terminal; If there is a payment request using the mobile payment management module And a financial institution settlement module for performing settlement using the other settlement means on behalf of the mobile micropayment.

Meanwhile, the other payment means requested by the user within a predetermined period after the mobile micropayment may be any one of a credit card, a debit card, a check card, or a money transfer.

According to another aspect of the present invention, there is provided a method of providing an electronic payment service, the method comprising: (a) requesting electronic payment for a purchase of a goods or service provided by the contents providing server using a mobile terminal of a user connected to the contents providing server through a communication network; (b) inquiring of the electronic settlement request from the mobile terminal whether the settlement requested amount is within a micropayment limit allocated to the mobile terminal stored in the communication company server through the settlement relay server, The method comprising the steps of: And (c) if there is a payment request using another payment means for the electronic transaction within the set period after the micropayment using the terminal of the user, the payment relay server uses the other payment means in place of the mobile micropayment And an electronic settlement method using a communication network including a step of performing settlement.

In this case, in step (c), the terminal of the user requesting payment processing using the other payment means may be a personal computer (PC), a notebook computer, or a laptop computer.

According to an exemplary embodiment of the present invention, the step (b) includes the steps of: an electronic payment request from the mobile terminal is transmitted to the VAN server via the payment relay server; Inquiring whether or not the amount of money requested to be paid is within the micropayment limit allocated to the mobile terminal stored in the communication company server, and if the amount of payment requested is within the micropayment limit, the micropayment authentication data is transmitted to the payment relay server And registering a micropayment corresponding to the requested payment amount in the payment relay server.

The method may further include authenticating the mobile terminal by verifying the mobile terminal information provided from the mobile terminal and the mobile terminal information stored in the communication company server through the payment relay server before the step (a).

According to one embodiment of the present invention, the step of authenticating the mobile terminal comprises the steps of connecting to the content providing server and transmitting the mobile terminal information to the payment relay server through the mobile terminal of the user who agrees with the payment method Comparing the transmitted mobile terminal information with the mobile terminal information transmitted to the communication company server through the payment relay server and providing the authentication number to the mobile terminal; And authenticating the mobile terminal.

According to another embodiment of the present invention, the step of authenticating the mobile terminal further comprises the step of authenticating the mobile terminal through the mobile terminal of the user who is connected to the content providing server and agrees with the payment method, VAN) server; comparing the transmitted mobile terminal information with the mobile terminal information transmitted to the communication company server through the mobile van (VAN) server to provide the authentication number to the mobile terminal and the payment relay server And the payment relay server verifying the authentication number input from the mobile terminal to authenticate the mobile terminal.

For example, the step (c) includes the steps of: requesting settlement using another settlement means using the user terminal; requesting authentication of payment using the other settlement means from the settlement relay server to a financial institution server A step of authenticating a settlement using the other settlement means at the financial institution server and transmitting the authentication result to the settlement relay server; deleting the small settlement settlement record from the settlement relay server, As shown in FIG.

In this case, the other payment means used in the step (c) may be any one of a credit card, a debit card, a check card, or a money transfer.

According to the electronic settlement system of the present invention and the settlement method using the system, the electronic settlement of the contents purchased through the communication network is performed within a small payment limit allocated to the mobile terminal held by the user, Thereby enabling electronic settlement using the terminal.

That is, in electronic payment using a mobile terminal, the user preferentially performs electronic payment within a micropayment limit allocated to his / her terminal without having to install or download a security measure such as a specific application, a security solution, And may request the electronic settlement processing through the payment means in place of the micropayment by selecting the payment means desired by the user himself or herself.

At this time, if the user does not select a separate payment means, since the payment is made in addition to the usage fee of the user's mobile terminal, the user can perform the mobile small payment or the payment processing using the separate payment means Can be requested.

Particularly, except for the first authentication for the mobile terminal that agrees with the payment method of the present invention, the electronic payment can be processed for the micropayment without any separate mobile terminal authentication, and a security solution or application for payment processing There is an advantage that it is possible to prevent the mobile electronic settlement from being impossible or delayed due to the security solution for downloading separately according to the payment means selected by the user or failure to download the application. Therefore, the user can quickly and easily perform electronic payment in mobile electronic commerce.

BRIEF DESCRIPTION OF THE DRAWINGS FIG. 1 is a block diagram schematically illustrating a connection relationship between a terminal and a server constituting a mobile electronic payment system according to the present invention; FIG.
FIG. 2 is a block diagram schematically showing a module constituting a terminal and a server constituting an electronic payment system according to a first embodiment of the present invention. The block diagram illustrates a block diagram showing an embodiment in which the payment relay server also serves as a mobile VAN server. Degree.
3 is a block diagram schematically showing a module configuring a terminal and a server constituting an electronic settlement system according to a second embodiment of the present invention, in which a mobile VAN server is included between a settlement relay server and a communication company server Fig.
4 is a flowchart schematically illustrating a process in which an electronic settlement is performed in an electronic settlement system in which a settlement relay server plays a role of a mobile VAN server according to a first embodiment of the present invention.
5 is a flowchart schematically illustrating a process of performing electronic settlement in an electronic settlement system in which a mobile VAN server is included between a settlement relay server and a communication company server according to a second embodiment of the present invention.
FIG. 6 is a diagram illustrating an example of a screen displayed on a mobile terminal so that the payment method of the present invention can be selected through a content providing server according to an exemplary embodiment of the present invention. "
FIG. 7 schematically shows a guidance screen displayed on a mobile terminal in connection with an electronic settlement according to the present invention in connection with electronic settlement using a mobile terminal; FIG.
8 is a view showing an example of a screen displayed on a terminal of a user so as to request payment using another payment means for a transaction after selecting a mobile micropayment according to the present invention, Is displayed.

The present inventors have completed the present invention by focusing on the fact that a micropayment is possible using a mobile terminal as a method for solving the problem in electronic commerce using a mobile terminal, Will be described in more detail.

1 is a block diagram schematically illustrating an electronic settlement system using a mobile terminal according to the present invention. The electronic settlement system 100 of the present invention includes a user terminal 200 for enjoying electronic commerce such as mobile electronic commerce, A content providing server 300 for providing goods and / or services through a communication network, a settlement relay server 400 for relaying electronic settlement processing through a communication network, a terminal for a mobile small settlement requested through a settlement relay server 400, And a financial institution server 600 for approving electronic settlement using other payment means requested through the settlement relay server 400. [

The user terminal 200 can access the content providing server 300 via a wireless communication network such as Wi-Fi, 3G, 4G (LTE or LTE-A) or WAP And a second terminal 204 capable of connecting to the content providing server 300 through a wired communication network. Examples of the mobile terminal 202 include a general feature phone or a personal digital assistant (PDA), as well as a smart device such as a smart phone and a smart pad. Examples of the second terminal 204 include personal A personal computer (PC), a notebook computer, a laptop computer, and the like, but the present invention is not limited thereto.

The content providing server 300 is a server for providing contents such as goods and / or services through a communication network. For example, the contents providing server 300 may be managed by an operating entity such as an online shopping mall, an open-market or a social commerce, A server managed by a company providing services related to the sale or reservation of various cultural products or services such as books, game items, and the like. Accordingly, the user can access the content providing server 300 through the general-purpose communication network such as the wireless communication network or the wired communication network by using the user terminal 200. [

The payment relay server 400 receives an electronic settlement request from the user terminal 200 connected to the content providing server 300, and relays and acts on the electronic settlement processing. In particular, according to the present invention, the payment relay server 400 performs electronic payment processing for the payment means selected by the user according to the information stored in the communication company server 500 and / or the financial institution server 600, Relay.

That is, the payment relay server 400 relays and acts on the micropayment for the mobile terminal 202 based on the corresponding terminal information stored in the communication company server 500 for the first payment request from the mobile terminal 202. In addition, if there is a payment request using the other payment means from the second terminal 204, for example, within a predetermined period after the payment of the first minute payment, the payment relay server 400 transmits 1 (1) based on the authentication result from the financial institution server 600 The electronic payment using other payment means is registered and relayed in place of the small payment.

The payment relay server 400 having such a function may be, for example, a payment gateway (PG) server related to electronic commerce, and may simultaneously perform a role as an online vane server when necessary. The relay company that operates the payment relay server 400 stores and manages information related to a company that operates the content providing server 300, a communication company that stores and manages information related to the mobile terminal 202, And relays electronic payment processing according to the present invention in accordance with a predetermined contract with a financial institution. For example, a company operating the content providing server 300 may be a merchant in accordance with a predetermined contract when viewed from the payment relay server 400.

The communication company server 500 stores and manages information about the mobile terminal 202 held by the user and adds a small amount of payment to the service amount of the mobile terminal based on the small payment details provided through the payment relay server 400 And performs settlement with the settlement relay server 400 with respect to the small settlement amount.

On the other hand, the financial institution server 600 stores and manages other payment means information selected by the user on behalf of the mobile small payment selected by the user, authenticates the electronic payment using the requested payment means through the payment relay server 400 do. For example, the financial institution server 600 may be a server operated and managed by a financial institution such as a credit card company or a bank.

The content providing server 300, the payment relay server 400, the communication company server 500 and the financial institution server 600 are connected through a dedicated communication network such as a value added network (VAN) And can transmit and receive various data transmitted through the electronic payment system 100 of the invention.

The electronic payment system for mobile electronic commerce according to the present invention will be described in more detail. 2 is a schematic block diagram of an electronic settlement system 100A according to an embodiment of the present invention, in which the settlement relay server serves also as a mobile van (VAN) server, according to the first embodiment of the present invention.

A user who wishes to enjoy mobile electronic commerce accesses the content providing server 300 through the wireless communication network using his / her user terminal 200, for example, the mobile terminal 202 (see FIG. 1) And / or services to be purchased. At this time, the user registers and requests whether or not to use the payment method of the present invention provided from the payment relay server 400A, and after the predetermined authentication, the user uses the optional first payment means You can choose your payment method. This will be described later.

Meanwhile, the content providing server 300 includes a purchase database module 310 for storing a purchase history (or a transaction history) for a content selected by a user in connection with a purchase request for goods and / or services using the mobile terminal 202, And a settlement request unit 320 for requesting / requesting payment settlement server 400A for electronic settlement processing for the purchase details or for settlement of settlement amount according to a predetermined contract.

The payment relay server 400A according to the present embodiment includes a payment database module 410 for storing and managing electronic payment details requested through the user terminal 200, A payment page providing module 420 for providing an interface for a screen of a payment method according to the present invention or a selection of a payment means according to the present invention, a mobile terminal 202, 1), a mobile payment management module 440 that relays and manages a small payment requested through the mobile terminal 202 (see FIG. 1) A financial institution that relays and manages electronic settlement through other payment means for an electronic settlement request using another settlement means through the user terminal 200, for example, the second terminal 204 (see FIG. 1) Article comprising a management module 450, may include a controller 460, such as a CPU for controlling these modules.

The settlement database module 410 includes a mobile settlement database (mobile settlement DB 412) for storing and managing data related to the micro-settlement requested through the mobile terminal 202 (see FIG. 1), for example, And a financial institution settlement database (financial institution settlement DB 414) for storing and managing data related to the requested electronic settlement using another settlement means through the terminal 204 (see FIG. 1).

For example, in the mobile payment DB 412, information for authenticating the mobile terminal 202 (see FIG. 1) such as the mobile terminal number of the user who primarily requested the micropayment, the date of birth of the user, Information such as a small payment amount corresponding to the purchase amount requested by the user, a payment date, a purchase history (purchased item, order number, etc.), and merchant information for operating the content providing server 300 are stored and managed.

In this case, according to an exemplary embodiment of the present invention, when a user who intends to use the payment method of the present invention first inputs information on the mobile terminal 202 (see FIG. 1), the payment relay server 400A transmits the information (Refer to FIG. 1) by referring to the information stored in the mobile terminal 202 (see FIG. 1). When the authentication of the mobile terminal 202 (see FIG. 1) is completed, the mobile payment DB 412 generates and stores a billing key for the authenticated mobile terminal 202 (see FIG. 1) Only a micropayment limit allocated to the mobile terminal 202 for a micropayment request using the corresponding mobile terminal 202 (see FIG. 1), and performs a micropayment based on the stored billing-key without performing a separate authentication procedure Lt; / RTI >

On the other hand, in the financial institution settlement DB 414, other payment means information requested by the user (for example, a credit card issuing institution, credit card number, etc.). Information such as payment amount, payment date, purchase history (purchased item, order number), merchant information, and the like are stored and managed.

In particular, according to the present invention, a user can proceed with a micropayment without downloading a separate application or a security solution within a micropayment limit assigned to the mobile terminal 202 (see FIG. 1) An electronic settlement using another payment means within a predetermined period may be requested. A user requests an electronic settlement using another payment means such as a credit card by using a second terminal 204 (see Fig. 1) capable of accessing the content providing server 300 through a wired communication network, The settlement information stored in the mobile settlement DB 412 is deleted for the same transaction and only the settlement information using other settlement means is stored and registered in the financial institution settlement DB 414. [ Accordingly, the payment processing can be implemented such that the user does not double-process the same transaction for the goods and / or services purchased from the contents providing server 300.

The payment page providing module 420 provides a screen for electronic payment processing and inquiry to the user terminal 200 connected to the content providing server 300. [ Illustratively, the payment page providing module 420 may provide a purchase history confirmation screen, a payment means selection screen, and a guidance screen when the payment method according to the present invention is selected by the user terminal 200.

Meanwhile, according to the first embodiment of the present invention, the authentication inquiry module 430A of the payment relay server 400A directly inquires the corresponding mobile terminal information input by the user stored in the communication company server 500, And whether or not the payment request is within the micropayment limit. That is, the authentication inquiry module 430, which can constitute the payment relay server 400A according to the first embodiment of the present invention, connects to the content providing server 300, 202) (refer to FIG. 1), and determines whether or not the first small payment request from the mobile terminal 202 (see FIG. 1) is within the settlement limit. If necessary, the mobile terminal 202 ) To the other payment means.

More specifically, the authentication inquiry module 430A accepts the payment method of the present invention shown in the mobile terminal 202 (see FIG. 1) connected to the content providing server 300 through the wireless communication network, The authentication inquiry module 430A inquires the mobile terminal information stored in the communication company server 500 and transmits the information to the mobile terminal 202 (Fig. 1 (a) 1), the mobile terminal 202 of the user requesting authentication generates and stores an authentication number for authenticating the mobile terminal 202 (see FIG. 1) Lt; / RTI > The authentication inquiry module 430A can verify whether the corresponding mobile terminal 202 is a legitimate owner by verifying the authentication number and the stored authentication number input from the mobile terminal 202. [ The mobile terminal 202 (see FIG. 1) that has completed authentication generates a billing-key matching the mobile terminal information so that the mobile terminal 202 (see FIG. 1) Storage, and management.

If there is a small payment request through the mobile terminal 202 (see FIG. 1) that has been authenticated, the authentication inquiry module 430A transmits the payment request amount Quot; is allocated to the corresponding mobile terminal and inquires whether or not it is within the remaining micropayment limit, and notifies the mobile terminal 202 (see FIG. 1) whether the micropayment is possible.

Meanwhile, according to the present invention, after the micro payment details primarily requested using the mobile terminal 202 (see FIG. 1) are registered in the mobile payment DB 412, within a predetermined period, To request an electronic settlement in place of a micropayment. If there is no electronic payment request using another payment means by using the user terminal 200, for example, the second terminal 204 (see FIG. 1) within a predetermined period, the authentication inquiry module 430A transmits the other payment means To the mobile terminal 202 (see FIG. 1). For example, the authentication inquiry module 430A may transmit the guidance message to the mobile terminal 202 1-2 days before the expiration date of the period for requesting the electronic payment using the other payment means, So that the electronic settlement processing can be guided.

The mobile payment management module 440 relays the electronic payment (mobile micropayment) requested for payment in the first payment within the micropayment limit assigned to the mobile terminal 202 (see FIG. 1). The mobile payment management module 440 may relay the mobile small payment based on the billing-key information stored in the mobile payment DB 412 and may transmit the settlement related to settlement between the communication company server 500 and the content providing server 300 Manage your business.

On the other hand, the financial institution settlement management module 450 relays settlement processing using other payment means selected by the user within a predetermined period after the mobile small payment details are registered in the mobile settlement DB 412. Electronic payment details using other payment means processed through the financial institution settlement management module 450 are stored and managed in the financial institution settlement DB 414 and the financial institution settlement management module 450 stores the electronic settlement details using the financial institution settlement DB 414, The settlement service related to the electronic settlement using the financial institution server 600, the content providing server 300, and other settlement means based on the settlement history stored in the settlement history. In this regard, the financial institution settlement management module 450 deletes the mobile micro settlement related data that has been stored in the mobile settlement DB 412 when the settlement using the other settlement means is completed, Payment settlement means 414 may store other settlement means settlement data so that electronic settlement processing can be performed using only payment data using other settlement means stored in the financial institution settlement DB 414. [

As shown in FIG. 2, according to the first embodiment of the present invention, the communication company server 500 is directly connected to the payment relay server 400A through a communication network and can transmit / receive data directly to the payment relay server 400A .

The communication company server 500 is a mobile database module for storing and managing information related to the mobile terminal (mobile terminal number, personal information of the user who is the owner of the mobile terminal, and micropayment limit information allocated to each mobile terminal, etc.) DB, 510). In addition, the communication company server 500 receives the micropayment information stored in the mobile payment DB 412 from the payment relay server 400A for a predetermined period (for example, a monthly cycle) and transmits the micropayment information to the corresponding mobile terminal 202 A billing unit 520 for requesting a user to pay the amount of the micropayment amount added to the communication fee of the next month, a billing settlement unit 520 for setting a predetermined fee for the micropayment server 400A, 530 < / RTI >

On the other hand, after the mobile micropayment details are registered, the user accesses the content providing server 300 via the communication network using the second terminal 204 (see FIG. 2) within a predetermined period, for example, It is possible to select another payment means in place of the mobile micropayment and request electronic payment through another payment means. At this time, an authentication request for payment using another payment means is performed by the financial institution server 600 that manages another payment means through the financial institution payment management module 450 of the payment relay server 400A.

In connection with the electronic settlement processing using the other settlement means, the user can use the wired communication network, which is easier to use the user interface than the mobile terminal 202, and can perform settlement for electronic commerce in a more stable environment, , See FIG. 1), it is preferable to use a personal computer (PC), a notebook computer, a laptop computer, or the like as an example.

However, it should be noted that the user can access the content providing server 300 through the wireless communication network using the mobile terminal 202 (see FIG. 1) in connection with the electronic payment processing using the other payment means. For example, the mobile terminal 202 (see FIG. 1) may be used as a separate application or service in an environment where it is urgently required to proceed with electronic commerce but the wired communication network can not be used and a separate security solution or interface is difficult to download Mobile micropayment that does not need to install security solution on terminal is carried out. Next, in a circumstance where the mobile microcredit payment details are registered and data can be transmitted and received through a stable wireless communication network before a predetermined period of time elapses, the content providing server 300 is connected to the content providing server 300 through the same mobile terminal 202 It goes without saying that electronic settlement can be performed secondarily in a state where an application or the like required for the other payment means is downloaded by using another payment means such as a credit card instead of the micro payment.

In order to authenticate the electronic payment request using the other payment means desired by the user instead of the mobile micropayment within the micropayment limit that is performed primarily, the financial institution server 600 transmits information (for example, (Payment means DB 610) for storing and managing the card number, the card validity date, the card holder information, the payment account, the payment date, the transfer account, the card / account password,

If there is an electronic settlement request using another settlement means through the settlement relay server 400A, the settlement processing unit 620 of the financial institution server 600 notifies the payment settlement server 400A of the payment And transmits the result to the financial institution payment management module 450 of the payment relay server 400A. When the settlement using other payment means is authenticated, the financial institution settlement management module 450 deletes the data related to the micropayment stored in the mobile settlement DB 412, and transmits the settlement using the settlement means to the financial institution settlement DB 410 Stores information and purchase information to perform settlement using other settlement means, and provides the user terminal 200 with an authentication result of electronic settlement using another settlement means.

As a result, according to the first embodiment of the present invention, it is possible to provide a mobile terminal (hereinafter, referred to as " mobile terminal ") 202 without having to download a separate application or security solution through a payment relay server 400A, (See FIG. 1), or may carry out a mobile micropayment within the micropayment limit. Since there is no need to install a separate application in the mobile electronic commerce, the user can enjoy the electronic commerce using the mobile terminal quickly and conveniently. Subsequently, before the mobile micropayment process, which is primarily conducted in connection with the transaction purchased from the content providing server 300, is finalized, that is, the micropayment details are registered in the mobile payment DB 412 of the payment relay server 400A, There is an advantage that the user can perform electronic settlement using other payment means which is advantageous to him or her, instead of the mobile micropayment performed first by using other payment means such as a credit card or a money transfer.

Meanwhile, unlike the first embodiment of the present invention described above, a mobile van (VAN) server can be separately provided between the settlement relay server and the communication company server. Fig. 3 shows an electronic settlement system according to the second embodiment of the present invention. 0.0 > 100B. ≪ / RTI > The same reference numerals are assigned to the same components as those described in FIG. 2, and a detailed description thereof will be omitted and the different configurations and functions will be mainly described.

In the second embodiment of the present invention, the user can access the content providing server 300 using the mobile terminal 202 (see FIG. 1) and request the purchase of the goods and / or services provided by the server. At this time, the user requests electronic payment by micropayment through the use registration and authentication of the payment method provided from the payment relay server 400B to the mobile terminal 202 (see FIG. 1) The user can access the contents providing server 300 via the Internet and request a secondary electronic settlement using another payment means.

The content providing server 300 includes a purchasing DB module 310 for storing a purchase history (or transaction details) requested by the user, a request for payment settlement server 400B for electronic payment processing for the transaction, And a payment request unit 320 for receiving the payment request.

In the meantime, in the second embodiment of the present invention, the payment relay server 400B performs a role of a payment gateway (PG) in a mobile micropayment. The settlement database module 410 constituting the settlement relay server 400B illustratively may include a mobile settlement DB 412 and a financial institution settlement DB 414. [

The mobile settlement DB 412 stores information related to a small amount payment requested from the mobile terminal 202 (see FIG. 1). The mobile terminal related information, which agrees with the payment method of the present invention and is authenticated, Billing-key type, and may not perform separate authentication for the micropayment after authentication. On the other hand, the financial institution settlement DB 414 stores the electronic settlement related information using the other settlement means from the user terminal 200 within a predetermined period after the micro settlement is registered in the mobile settlement DB 412, And is used for settlement of the electronic payment processing through the payment means. The settlement information stored in the mobile settlement DB 412 is deleted and only the settlement information using other settlement means is stored in the financial institution settlement DB 414 , And registered.

The payment page providing module 420 provides an interface such as a payment selection screen for electronic payment processing to the user terminal 200 through the content providing server 300. [ Illustratively, the payment page providing module 420 can provide a purchase history confirmation screen, a payment means selection screen, and a guidance screen when the payment method according to the present invention is selected by the user terminal 200.

On the other hand, the authentication inquiry module 430B constituting the payment relay server 400B according to the second embodiment of the present invention transmits, based on information stored in the communication company server 500 via the mobile van (VAN) server 700 The mobile terminal 202 (see FIG. 1) that wishes to use the payment method of the present invention is authenticated, and a small payment request from the authenticated mobile terminal is also transmitted to the communication server 500 via the mobile van (VAN) And relays the corresponding micropayment. If necessary, the mobile terminal 202 (see FIG. 1) transmits an alternative electronic settlement processable message to another payment means.

The authentication inquiry module 430B constituting the payment relay server 400B according to the second embodiment of the present invention will be described with reference to a case in which a user connected to the content providing server 300 via the wireless communication network receives the mobile terminal 202 (The terminal number, the user personal information such as the date of birth of the user, and the mobile communication company information) by agreeing with the payment method of the present invention using the mobile terminal information, the authentication inquiry module 430B transmits the inputted mobile related information To the mobile van (VAN) server 700. Based on the mobile related information received from the authentication inquiry module 430B, the mobile van (VAN) server 700 inquires the corresponding mobile information stored in the communication company server 500 and transmits the information inputted from the mobile terminal to the communication server 500, Generates the authentication number for authenticating the mobile terminal, and transmits the generated authentication number to the mobile terminal 202 (see FIG. 1) and the authentication inquiry module 430B of the payment relay server 400B . Then, the authentication inquiry module 430B verifies the authentication number input from the mobile terminal 202 and the authentication number transmitted from the mobile van (VAN) server 700 so that the corresponding mobile terminal 202 (see FIG. 1) Whether or not it is < / RTI > In connection with the mobile micropayment using the mobile terminal 202 (see FIG. 1) for which authentication has been completed, the payment relay server 400B transmits the mobile terminal information Key to be stored in the mobile settlement DB 412 and manage the billing-key.

In addition, if there is a micropayment payment request through the authenticated mobile terminal 202 (see FIG. 1), the authentication inquiry module 430B transmits the micropayment data including the payment amount to the mobile van (VAN) server 700. Based on the mobile terminal information stored in the communication company server 500, the mobile van (VAN) server 700 inquires whether the settlement request amount is allocated to the corresponding mobile terminal and is within the remaining small payment limit, And notifies the mobile terminal 202 (see FIG. 1) via the authentication and inquiry module 430B.

That is, according to the second embodiment of the present invention, whether or not a micropayment request through a mobile terminal that has been authenticated and authenticated for a mobile terminal 202 (see FIG. 1) of a user who has agreed to the payment method of the present invention (VAN) server 700 connected to the payment relay server 400B via a communication network and the authentication / inquiry result is transmitted from the mobile vane server 700 to the mobile terminal 202 ) And / or the payment relay server 400B. Therefore, according to the second embodiment of the present invention, mobile terminal related information of the communication company server 500 is inquired through the mobile VAN server 700, and authentication and / or inquiry result is transmitted from the mobile VAN server 700 to the payment relay server 400B to the authentication inquiry module 430B and the authentication inquiry module 430B provides the authentication result transmitted from the mobile VAN server 700 to the mobile terminal 202 (see FIG. 1).

Similarly to the first embodiment, the authentication inquiry module 430B also displays, in the case where the user does not request the payment selected by the other payment means within a predetermined period after the mobile small payment, And transmits the guidance message to the terminal 202 (see FIG. 1) to guide the user of the electronic settlement processing using the other payment means.

The mobile payment management module 440 relays the electronic payment based on the mobile micropayment requested to be paid first in the micropayment limit assigned to the mobile terminal 202 (see FIG. 1) 300, the communication company server 500, and the mobile VAN server 700. [ The financial institution settlement management module 450 relays the electronic settlement using other payment means selected by the user within a predetermined period after the microcial settlement of the mobile, and after the settlement approval using the settlement means, the content providing server 300 and the financial institution server 600 ) To settle the payment settlement service. As in the first embodiment, the financial institution billing management module 450 deletes the mobile micropayment-related data that was previously stored in the mobile payment DB 412 when the authentication for payment using the other payment means is completed, Payment settlement payment information may be stored in the financial institution settlement DB 414 so that electronic settlement processing can be performed using only payment data using other payment means stored in the financial institution settlement DB 414. [

Meanwhile, the communication company server 500 that transmits and receives data to and from the payment relay server 400B through the mobile van (VAN) server 700 includes a mobile DB 510 for storing and managing information related to the mobile terminal, (For example, monthly cycle) stored in the mobile payment DB 412 and provided to the mobile terminal 202 (see FIG. 1), which is provided from the mobile terminal 200 via the mobile VAN server 700, A billing unit 520 for requesting a user to pay an amount of a small payment amount added to a communication fee of the next month, a billing relay server 400B and a mobile VAN server 700 for a small payment amount, And a payment settlement unit 530. [

Particularly, according to the second embodiment of the present invention, a mobile van (VAN) server 700 is provided between the payment relay server 400B and the communication company server 500 to mediate authentication and settlement processing of mobile micropayment. The mobile VAN server 700 may have a settlement database module (settlement DB) 710 for storing and managing mobile settlement related information corresponding to the data stored in the mobile settlement DB 412 of the settlement relay server 400B.

The mobile VAN server 700 also stores the mobile related information stored in the communication company server 500 based on the mobile related information transmitted from the authentication inquiry module 430B of the payment relay server 400B in association with the authentication of the mobile terminal 202 And transmits the mobile information stored in the communication server 500 to the mobile terminal 500. The mobile terminal 400 generates the authentication number for authenticating the mobile terminal by inquiring the mobile information, And an authentication inquiry unit 720 for verifying whether or not a micropayment is possible.

Specifically, the authentication inquiry unit 720 of the mobile VAN server 700 receives the mobile-related information input from the mobile terminal 202 (see FIG. 1) through the authentication inquiry module 430B of the payment relay server 400B If the received mobile related information is compared with the information stored in the mobile DB 510 of the communication company server 500, a predetermined authentication message such as an authentication number is transmitted to the mobile terminal 202 and the payment relay server 400B And transmits it to the inquiry module 430B. The authentication inquiry module 430B of the payment relay server 400B receives the authentication number input from the mobile terminal 202 (see FIG. 1) and the authentication number transmitted from the authentication inquiry unit 720 of the mobile VAN server 700 Compare, verify, and authenticate the mobile terminal 202 (see FIG. 1).

On the other hand, in connection with the mobile micropayment request from the mobile terminal 202 (see FIG. 1), when the payment forecast amount data is transmitted from the authentication inquiry module 430B of the payment relay server 400B, the authentication inquiry part 720 And inquires the micropayment limit allocated to the corresponding mobile terminal stored in the mobile DB 510 of the communication company server 500. [ If the payment amount is within the micropayment limit, the authentication inquiry unit 720 approves the micropayment request, transmits the micropayment approval data to the authentication inquiry module 430B of the payment relay server 400B, The inquiry module 430B displays the micropayment approval data to the mobile terminal 202 (see FIG. 1). On the other hand, when the planned payment amount exceeds the micropayment limit, the authentication inquiry unit 720 transmits data indicating that the micropayment is impossible via the authentication inquiry module 430B of the payment relay server 400B to the mobile terminal 202 , See Fig. 1).

On the other hand, the mobile VAN server 700 receives the micropayment data registered within a predetermined period (for example, a monthly basis) from the mobile payment DB 412 of the payment relay server 400B, And a settlement relay unit 730 that processes the settlement service related to the micropayment by transmitting the settlement service to the settlement unit 530. [

In the electronic payment system 100B according to the second embodiment of the present invention, after the mobile microcredit is primarily performed using the mobile terminal 202 (see Fig. 1), within a predetermined period, The user can request electronic payment to replace the mobile micropayment using another payment means such as a credit card through the interface presented at the same second terminal 204 (see FIG. 1). In order to process an electronic payment request using another payment means selected by the user, the financial institution server 600 connected to the payment relay server 400B authenticates payment using another payment means. For this, the financial institution server 600 includes a settlement means DB 610 for storing and managing information related to other settlement means, a settlement means DB 610 for storing the settlement means DB 610, And a settlement processing unit 620 for authenticating settlement of use.

When there is a payment request using another payment means through the payment relay server 400B, the payment processing unit 620 of the financial institution server 600 uses the other payment means based on the information stored in the payment means DB 610 And transmits the result to the financial institution payment management module 450 of the payment relay server 400B. When the settlement using other payment means is authenticated, the financial institution settlement management module 450 deletes the data related to the micropayment stored in the mobile settlement DB 412, and transmits the settlement using the settlement means to the financial institution settlement DB 410 Stores the information and purchase information, performs payment using other payment means, and provides the user terminal 200 with the authentication result of the electronic payment using the other payment means.

In the second embodiment of the present invention, the user can quickly and easily perform the mobile small-amount settlement without downloading a separate application or a security solution, and can perform the mobile small- Electronic payment can be performed.

Next, a method of performing electronic settlement using an electronic settlement system according to the present invention will be described. 4 is a flowchart schematically showing an electronic settlement method using an electronic settlement system according to the first embodiment of the present invention. The user having the mobile terminal accesses the content providing server through the wireless communication network (s400), selects the goods and / or services provided by the contents providing server, and requests payment for the selected goods / services .

At this time, the user can select the payment method of the present invention among the payment methods presented to the mobile terminal through the appropriate user interface provided from the payment relay server to the content providing server. For example, as shown in FIG. 6, in addition to the existing payment methods 'credit card' and 'mobile phone payment', the screen of the mobile terminal of the user who accesses the content providing server and requests settlement, (Indicated by S'Pay).

 If the user first selects the payment method of the present invention, the payment method of the present invention can be agreed and registered by the interface provided by the payment relay server (s405). For example, as shown in FIG. 7, the payment relay server may be configured to display a guidance screen for the payment method (S'pay settlement, simple settlement, mobile billing settlement) according to the present invention on the mobile terminal can do. The user can understand the payment method of the present invention through the screen guided to the mobile terminal.

If the user agrees with the payment method of the present invention, the user inputs the mobile terminal information (mobile terminal number, date of birth, communication company information) requested by the payment relay server using the mobile terminal to authenticate the mobile terminal. The payment relay server accesses the communication company server based on the information input to the mobile terminal and inquires about the mobile terminal information (s410). If the terminal information inputted as the inquiry result is inconsistent with the terminal information stored in the communication company server, the payment relay server transmits an authentication message to the mobile terminal that the information does not match, but the input terminal information is stored in the communication company server If the terminal information matches, the payment relay server generates a predetermined authentication number and transmits it to the corresponding mobile terminal (s415).

When the user inputs the authentication number transmitted from the payment relay server (S420), the payment relay server compares the authentication number input from the mobile terminal with the generated authentication number, and if the two authentication numbers match, (S425). When the electronic settlement according to the payment method according to the present invention is requested from the corresponding mobile terminal whose authentication has been completed, no separate authentication is required for the corresponding mobile terminal. For this purpose, May generate a separate billing-key matching with the terminal information input from the mobile terminal, and may perform a micropayment for the corresponding mobile terminal.

When the user agrees with the payment method of the present invention and the authentication of the mobile terminal is completed, the user selects the payment method of the present invention for purchasing the content selected from the content providing server using the mobile terminal, And firstly requests electronic settlement according to the mobile micropayment (s430). For example, the screen presented to the mobile terminal is substantially the same as that of FIG. 6. When the user selects the payment method (S'Pay) according to the present invention, since the authentication of the mobile terminal has been completed, Processing for settlement is performed.

Accordingly, the transaction information (purchase history, order number, purchase amount / payment request amount, etc.) transmitted from the content providing server is transmitted to the payment relay server. The payment relay server accesses the communication company server based on the transmitted transaction information and the mobile terminal information entered when the user makes a payment and determines whether the amount requested by the user for payment exceeds the small payment amount remaining in the mobile terminal (S435). That is, the payment relay server accesses the communication company server based on the information (terminal information, human information, communication company information) input by the user and transaction information (in particular, the payment request amount), and inquires whether user authentication and micropayment are possible .

The payment relay server inquires the mobile terminal information stored in the communication company server, and determines whether the purchase amount (scheduled payment amount) provided from the contents providing server is allocated to the corresponding mobile terminal stored in the communication company server, exceeds the remaining small payment limit , The mobile terminal is informed of the availability of payment according to the present invention (S440).

That is, when the purchase amount requested for settlement through the mobile terminal is searched within the micropayment limit remaining in the mobile terminal, the payment relay server can transmit the micropayment result, which is first approved according to the present invention, to the mobile terminal. On the other hand, if the amount requested to be paid exceeds the micropayment limit, data indicating that the micropayment process according to the present invention is not possible can be displayed on the screen of the mobile terminal to request electronic payment using another payment means.

When the user selects to complete the purchase using the payment method according to the present invention for the goods and / or services from the contents providing server through the mobile terminal, the microdata payment proceeding first is temporarily registered in the payment relay server (s445).

However, as briefly described above, according to the present invention, even after the mobile micropayment process is primarily registered in the payment relay server, the user can request electronic payment using another payment means (another payment means). Considering that electronic settlement is made without consent of the customer after 8 days from the purchase request date in the conventional escrow service, when the user requests the purchase through the mobile small settlement, that is, It is possible to substitute electronic payment using other payment means within 8 days from the date stored in the server, but the period of time can of course be changed.

When the user selects another payment means within a predetermined period (for example, 8 days) from the purchase request date and does not request the alternative electronic payment, the payment relay server selects the other payment means and requests the alternative electronic payment (740 days after the registration of the micropayment payment), a guide message to the effect that the settlement processing using another payment means, that is, the settlement processing using the financial institution, is possible is transmitted to the user's mobile terminal (s450). In the case where the user does not request the electronic payment using the other payment means while accessing the content providing server within a predetermined period of time from the purchase request date (that is, the micro payment settlement registration date), the electronic payment through the mobile small payment . The payment relay server transmits the mobile micropayment data made through the mobile terminal to the communication company server for a predetermined period of time and requests settlement for the mobile payment (s455). The communication company server adds a small payment amount for the mobile terminal to the communication fee of the next month, charges the user for payment (s460), and charges the fee related to the small payment between the payment relay server and the contents providing server .

Meanwhile, the user can request settlement using another payment means (other payment means, credit card, account transfer, etc.) using the terminal managed by the user within a predetermined period from the purchase request date (s465). Illustratively, as shown in FIG. 8, when a transaction is selected while connected to the content providing server using the user terminal, an alternative electronic settlement process enabling period (valid period) using another settlement means is displayed and the other settlement means As shown in FIG.

Other payment methods include, but are not limited to, credit cards, debit cards, check cards, and wire transfers. If necessary, the user can use the interface installed in his / her terminal to perform procedures such as electronic authentication such as a public certificate, input of a security card, input of an OTP number, input of a card number, electronic authentication such as an authorized certificate / Can be performed. At this time, a mobile terminal can be used, but a second terminal such as a PC using an interface and easy to use a wired communication network can be used.

The payment relay server transmits data such as other payment means information and a payment due amount inputted from the user terminal to a financial institution server managing the other payment means, (S470). ≪ / RTI > The financial institution server accepts the electronic payment requested from the payment relay server based on the stored user information and other payment means information (s475), and transmits the payment approval data to the payment relay server (s480).

When the payment approval data is transmitted from the financial institution server, the payment relay server deletes the mobile small payment history that has been performed primarily and stores and registers the payment details using other payment means (s485). Then, the payment approval data using another payment means is notified to the user terminal and the contents providing server (s490). The payment based on the predetermined contract can be made between the contents providing server, the payment relay server and the financial institution server for payment using the other payment means.

An electronic settlement method in the case of including a mobile VAN server between a settlement relay server and a communication company server according to a second embodiment of the present invention will be described with reference to FIG. A detailed description of the same process will be omitted in comparison with FIG. The user accesses the content providing server through the wireless communication network using the mobile terminal (s500). When selecting a desired content from a product and / or a service provided by the server using the mobile terminal and requesting the purchase, the user selects a payment method according to the present invention (see FIG. 6), agrees with the payment method according to the present invention (See FIG. 7), and inputs his / her mobile terminal information (mobile terminal number, date of birth, communication company information) (s505). The payment relay server receiving the input terminal information transmits the terminal information to the mobile VAN server to request authentication of the terminal (S510A). The mobile VAN server accesses the corresponding carrier server based on the transmitted mobile terminal information, The terminal information is inquired (S510B). If the terminal information transmitted as a result of inquiry is inconsistent with the terminal information stored in the communication company server, the mobile VAN server transmits an authentication message to the mobile terminal through the payment relay server that the information does not match, And the terminal information stored in the communication company server match, the mobile VAN server generates a predetermined authentication number and transmits it to the corresponding mobile terminal and the payment relay server in steps S515A and S515B.

When the user inputs the authentication number through the mobile terminal (s520), the payment relay server compares the authentication number transmitted from the mobile VAN server with the authentication number input from the mobile terminal and completes the authentication for the mobile terminal (s525) . When electronic settlement according to the settlement method according to the present invention is requested from the corresponding mobile terminal whose authentication is completed in the same manner as in the first embodiment, subsequent authentication is not required for the corresponding terminal.

The user selects the settlement method according to the present invention from the screen displayed on the mobile terminal whose authentication is completed, and requests the electronic settlement according to the mobile small settlement (s530). Accordingly, the transaction information (purchase history, order number, purchase amount / payment request amount) proceeded from the content providing server is transmitted to the payment relay server. The payment relay server transmits transaction information, transaction information, The mobile VAN server accesses the communication company server based on the transaction information and the mobile terminal information provided by the payment relay server and transmits the payment amount to the mobile terminal through the mobile terminal. (Step S535B). If the micro-payment limit amount has been exceeded,

The mobile VAN server inquires the mobile terminal information stored in the communication company server and determines whether the purchase amount (planned payment amount) provided from the contents providing server is allocated to the corresponding mobile terminal stored in the corresponding communication company server, exceeds the remaining small payment limit (S540) through the payment relay server to the mobile terminal according to the present invention. That is, when the amount requested for settlement through the mobile terminal is within a small payment limit remaining in the terminal, the mobile VAN server transmits the first approved small payment inquiry result to the payment relay server and the mobile terminal, If the amount exceeds the micropayment limit, a message indicating that the payment method of the present invention is not possible may be displayed on the screen of the mobile terminal and an electronic payment using another payment means may be requested.

When the user selects to complete the purchase using the payment method according to the present invention for the goods and / or services from the contents providing server through the mobile terminal, the microdata payment proceeding firstly is provisionally registered in the payment relay server (S545A) If necessary, it can also be registered in the mobile VAN server (S545B).

If the user does not select another payment means within a predetermined period of time from the purchase request date, the payment relay server selects the other payment means and immediately before the expiration of the period for requesting alternative electronic payment A guiding message indicating that payment to the user's mobile terminal using another payment means, that is, payment processing using a financial institution, is possible (s550). When the user accesses the content providing server within a predetermined period of time from the date of purchase request and does not request electronic settlement using another payment means, electronic settlement through mobile small settlement is established. The payment relay server transmits the mobile micropayment data made through the mobile terminal to the communication company server via the mobile VAN server for a predetermined period of time and requests settlement for the mobile payment (s555). The communication company server adds a small payment amount for the mobile terminal to the communication fee of the next month, charges the user for payment (s560), and sends a payment request to the payment relay server, the mobile VAN server, The fee can be settled.

On the other hand, the user can request settlement using another payment means (another payment means, credit card, account transfer, etc.) using the second terminal within a predetermined period of time from the purchase request date (S565). For example, as shown in FIG. 8, a user may access a content providing server using a user terminal and request an alternative electronic payment using another payment means for the transaction. The payment relay server transmits data such as other payment means information and a predetermined payment amount inputted from the user terminal to the financial institution server managing the other payment means in response to the electronic payment request using the other payment means, (Step S570). The financial institution server approves the electronic payment using other payment means based on the stored information of the payment means (s575), and transmits the payment approval data to the payment relay server (s570).

When the payment approval data is transmitted, the payment relay server deletes the mobile small payment details and stores and registers the payment details using other payment means (s585). At this time, if the first micropayment details are registered in the mobile VAN server, the micropayment details registered in the mobile VAN server may be deleted at the same time (S585B). After registering the settlement details using the other settlement means, the settlement relay server notifies the settlement approval data using the other settlement means to the user terminal and the content providing server (s590). The payment based on the predetermined contract can be made between the contents providing server, the payment relay server and the financial institution server for payment using the other payment means.

Although the present invention has been described based on the preferred embodiments of the present invention, the present invention is by no means limited to the invention described in the foregoing embodiments. Those skilled in the art will appreciate that various modifications and changes may be made without departing from the scope of the present invention. It will be apparent, however, that such modifications and changes are all within the scope of the present invention.

100, 100A, 100B: electronic payment system 200: user terminal
202: mobile terminal 204: second (user) terminal
300: Content providing server 400, 400A, 400B: Payment relay server
410: payment database module 420: payment page providing module
430A, 430B: authentication inquiry module 440: mobile payment management module
450: financial institution bill management module 500:
600: financial institution server 700: mobile VAN server

Claims (16)

A mobile terminal of a user accessing a content providing server through a communication network and requesting an electronic settlement for purchasing a content provided by the content providing server;
A payment relay server for performing electronic payment processing for purchase of the content requested from the mobile terminal; And
And a communication company server for storing information of the mobile terminal,
Wherein the payment relay server authenticates the mobile terminal based on the mobile terminal information input from the mobile terminal and the information stored in the communication company server and authenticates the mobile terminal within the micro payment limit allocated to the mobile terminal Wherein the mobile terminal transmits the content purchase request to the terminal of the user who has accessed the content providing server within a set period of time after the registration of the micropayment, And if there is a request, repeats the settlement processing using the other settlement means on behalf of the micropayment.
The method according to claim 1,
Wherein the terminal of the user who accesses the content providing server via a communication network and requests payment processing using the other payment means on behalf of the mobile micropayment comprises a personal computer (PC), a notebook computer, or a laptop computer.
3. The method according to claim 1 or 2,
Further comprising a mobile van (VAN) server for mediating data transmission / reception between the payment relay server and the communication company server for authentication of the mobile terminal and processing of the micropayment.
3. The method according to claim 1 or 2,
Further comprising a financial institution server for approving payment using the other payment means based on the other payment means information for the payment approval request using the other payment means from the payment relay server.
3. The method according to claim 1 or 2,
Wherein the mobile terminal comprises a smart phone, a feature phone, a personal digital assistant (PDA), or a smart pad.
3. The method according to claim 1 or 2,
The settlement relay server includes a settlement page providing module for providing a page on which the settlement means is displayed to the content providing server, An authentication inquiry module for authenticating the mobile terminal based on the number of the mobile terminal and inquiring whether the mobile terminal has a small payment limit stored in the communication company server for the payment request requested from the mobile terminal; A mobile payment management module for relaying the processing of the mobile payment management module to the mobile payment management module, and a mobile payment management module for relaying the processing of the mobile payment management module, Electronic payment with payment module My system.
The method of claim 3,
The settlement relay server includes: a settlement page providing module for providing a page on which the settlement means is displayed to the contents providing server; a settlement page providing module for providing a page to the contents providing server, The mobile terminal authenticates the mobile terminal on the basis of the authentication number input from the mobile terminal according to the inquiry, and transmits a small amount payment of the mobile terminal stored in the communication company server via the mobile van (VAN) server to the payment request requested from the mobile terminal A mobile payment management module for relaying the processing of the micropayment requested by the mobile terminal, and a mobile payment management module for processing the mobile payment management module in the case where there is a payment request using the other payment means On behalf of the mobile micropayment, Electronic payment system comprising a payment module that financial institutions on behalf of the payment by the end.
The electronic payment system according to claim 1 or 2, wherein the other payment means is a credit card, a debit card, a check card, or an account transfer.
(a) requesting an electronic settlement for a purchase of a goods or a service provided by the contents providing server using a mobile terminal of a user connected to the contents providing server through a communication network;
(b) inquiring of the electronic settlement request from the mobile terminal whether the settlement requested amount is within a micropayment limit allocated to the mobile terminal stored in the communication company server through the settlement relay server, The method comprising the steps of: relaying a micropayment for the requested electronic settlement; And
(c) if there is a payment request using another payment means for the electronic transaction within a set period after the registration of the micropayment using the user terminal, the payment relay server uses the other payment means in place of the mobile micropayment And a step of performing a payment process.
10. The method of claim 9,
Wherein the terminal of the user requesting payment processing using the other payment means in step (c) comprises a personal computer (PC), a notebook computer, or a laptop computer.
11. The method according to claim 9 or 10,
Wherein the step (b) comprises the steps of: (a) transmitting an electronic settlement request from the mobile terminal to the VAN server via the payment relay server; (b) A step of inquiring as to whether or not the mobile payment terminal is within the micropayment limit allocated to the mobile terminal stored in the server and transmitting the micropayment authentication data to the payment relay server when the amount of payment requested is within the micropayment limit, And registering a micropayment corresponding to the requested amount of payment in the server.
11. The method according to claim 9 or 10,
Further comprising the step of authenticating the mobile terminal by verifying the mobile terminal information provided from the mobile terminal and the mobile terminal information stored in the communication company server through the payment relay server before the step (a).
The method according to claim 12, wherein the step of authenticating the mobile terminal comprises the steps of: transmitting mobile terminal information to the payment relay server through a mobile terminal of a user connected to the content providing server and agreeing to a payment method; Comparing the transmitted mobile terminal information with the mobile terminal information transmitted to the communication company server through a server and providing an authentication number to the mobile terminal; verifying the authentication number input from the mobile terminal, The electronic payment method comprising the steps of:
[12] The method of claim 12, wherein the authenticating the mobile terminal comprises: a step of authenticating the mobile terminal through a mobile terminal (VAN) server via the payment relay server, Comparing the transmitted mobile terminal information with the mobile terminal information transmitted to the communication company server through the mobile vane server and providing an authentication number to the mobile terminal and the payment relay server; And the payment relay server verifying the authentication number input from the mobile terminal and authenticating the mobile terminal.
The method as claimed in claim 9 or 10, wherein the step (c) comprises the steps of: requesting settlement using another settlement means using the user terminal; The method comprising the steps of: requesting, by the financial institution server, a payment using the other payment means and transmitting the authentication result to the payment relay server; deleting the minute payment details from the payment relay server, And an agent processing step of processing the payment using the other payment means.
The electronic payment method according to claim 9 or 10, wherein the other payment means used in step (c) is a credit card, a debit card, a check card, or an account transfer.

Images