Electronic money management method and system using mobile communication terminal

• US 20060004656A1
• Filed: 07/12/2005
• Published: 01/05/2006
• Est. Priority Date: 12/28/1999
• Status: Abandoned Application

• Current Assignee: Infohub Corporation
• Original Assignee: Infohub Corporation
• Inventors: Lee, Jong-Il
• Application Number:
  US11/179,769
• Publication Number:
  US 20060004656A1
• Time in Patent Office: Days
• US Class Current: 705/39
• CPC Class Codes: G06Q 20/04 Payment circuits
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/28 Pre-payment schemes, e.g. "pay before"
• CPC Class Codes: G06Q 20/305 using wired telephone networks
• CPC Class Codes: G06Q 20/322 Aspects of commerce using mobile devices [M-devices]
• CPC Class Codes: G06Q 20/3255 using mobile network messaging services for payment, e.g. SMS
• CPC Class Codes: G06Q 20/326 Payment applications installed on the mobile devices
• CPC Class Codes: G06Q 20/363 with the personal data of a user
• CPC Class Codes: G06Q 20/3823 combining multiple encryption tools for a transaction
• CPC Class Codes: G07F 7/0866 by active credit-cards adapted therefor G07F7/1008 takes precedence

Abstract

An electronic money management method and system using a mobile phone is provided, which can be applied to electronic transactions. Upon receiving a request regarding electric money such as issuance, recharging, transfer, or balance checking, together with a mobile phone number and a password, from a user, an ARS server, an electronic money management web server, or an mobile communication service system transmits an authentication number to the user'"'"'s mobile phone, compares the transmitted authentication number with one received from the user, and transmits the password and phone number to make the request if the authentication numbers are identical. The electronic money management server fulfills the request regarding electronic money, received from the one server or system, for an electronic money account identified by the password and mobile phone number, and transmits the fulfilled result and the account balance to the mobile phone through the one server or system.

Claims

1. A method for managing electronic money for use in electronic transactions, the method comprising:

an Automatic Response System (ARS) server receiving electronic money issuance data from a user telephone, the electronic money issuance data including a mobile communication terminal number of a user, a password for use in electronic money transactions, and an amount of electronic money which the user desires to be issued;

the ARS server transmitting an authentication number to a mobile communication terminal of the user;

the ARS server receiving an authentication number input by the user from the user telephone;

the ARS server comparing the authentication number input by the user with the authentication number transmitted to the mobile communication terminal of the user and transmitting the electronic money issuance data to an electronic money management server to request that the electronic money management server issue the amount of electronic money if the authentication numbers are identical;

the electronic money management server issuing the requested amount of electronic money to an electronic money account of the user identified by the password and the mobile communication terminal number of the user; and

the ARS server notifying the mobile communication terminal of the user of completion of the electronic money issuance if the electronic money has been issued.

2. The electronic money management method according to claim 1, wherein, upon receiving the request to issue electronic money, the electronic money management server searches for the electronic money account of the user identified by the password and the mobile communication terminal number of the user, opens a new electronic money account identified by the password and the mobile communication terminal number of the user if the electronic money account of the user is not present, and recharges the electronic money account of the user with the requested amount of electronic money if the electronic money account of the user is present.

3. The electronic money management method according to claim 1, wherein, if the electronic money issuance is completed, the ARS server transmits a Short Message Service (SMS) message to the mobile communication terminal, the SMS message containing at least one of a balance of the electronic money account, an issued amount of money, and a recharged amount of money, or containing a combination thereof.

4. A method for managing electronic money for use in electronic transactions, the method comprising:

an electronic money management web server receiving electronic money issuance data from a user computer, the electronic money issuance data including a mobile communication terminal number of a user, a password for use in electronic money transactions, and an amount of electronic money which the user desires to be issued;

the electronic money management web server transmitting an authentication number to a mobile communication terminal of the user;

the electronic money management web server receiving an authentication number input by the user from the user computer;

the electronic money management web server comparing the authentication number input by the user with the authentication number transmitted to the mobile communication terminal of the user and receiving information of means for paying the amount of electronic money from the user computer if the authentication numbers are identical;

the electronic money management web server transmitting the electronic money issuance data to an electronic money management server to request that the electronic money management server issue the amount of electronic money if the payment is completed;

the electronic money management server issuing the requested amount of electronic money to an electronic money account identified by the password and the mobile communication terminal number of the user; and

the electronic money management web server notifying the mobile communication terminal of the user of completion of the electronic money issuance if the electronic money has been issued.

5. The electronic money management method according to claim 4, wherein, upon receiving the request to issue electronic money, the electronic money management server searches for the electronic money account of the user identified by the password and the mobile communication terminal number of the user, opens a new electronic money account identified by the password and the mobile communication terminal number of the user if the electronic money account of the user is not present, and recharges the electronic money account of the user with the requested amount of electronic money if the electronic money account of the user is present.

6. The electronic money management method according to claim 4, wherein, if the electronic money issuance is completed, the electronic money management web server transmits a Short Message Service (SMS) message to the mobile communication terminal, the SMS message containing at least one of a balance of the electronic money account, an issued amount of money, and a recharged amount of money, or containing a combination thereof.

7. A method for managing electronic money for use in electronic transactions, the method comprising:

an electronic money management web server determining whether or not an amount of money for issuing electronic money has been transferred from a user if the electronic money management web server receives information of the transferred amount of money, transfer date, and a user name from a user computer;

if it is determined that the amount of money for issuing the electronic money has been transferred, the electronic money management web server receiving electronic money issuance data from the user computer, the electronic money issuance data including a mobile communication terminal number of the user, a password for use in electronic money transactions, and an amount of electronic money which the user desires to be issued;

the electronic money management web server transmitting an authentication number to a mobile communication terminal of the user;

the electronic money management web server receiving an authentication number input by the user from the user computer;

the electronic money management web server comparing the authentication number input by the user with the authentication number transmitted to the mobile communication terminal of the user and transmitting the electronic money issuance data to an electronic money management server to request that the electronic money management server issue the amount of electronic money if the authentication numbers are identical;

the electronic money management server issuing the requested amount of electronic money to an electronic money account identified by the password and the mobile communication terminal number of the user; and

the electronic money management web server notifying the mobile communication terminal of the user of completion of the electronic money issuance if the electronic money has been issued.

8. The electronic money management method according to claim 7, wherein, upon receiving the request to issue electronic money, the electronic money management server searches for the electronic money account of the user identified by the password and the mobile communication terminal number of the user, opens a new electronic money account identified by the password and the mobile communication terminal number of the user if the electronic money account of the user is not present, and recharges the electronic money account of the user with the requested amount of electronic money if the electronic money account of the user is present.

9. The electronic money management method according to claim 7, wherein, if the electronic money issuance is completed, the electronic money management web server transmits a Short Message Service (SMS) message to the mobile communication terminal, the SMS message containing at least one of a balance of the electronic money account, an issued amount of money, and a recharged amount of money, or containing a combination thereof.

10. A method for managing electronic money for use in electronic transactions, the method comprising:

a mobile communication service system receiving electronic money issuance data from a mobile communication terminal of a user, the electronic money issuance data including a mobile communication terminal number of the user, a password for use in electronic money transactions, and an amount of electronic money which the user desires to be issued;

the mobile communication service system transmitting an authentication number to the mobile communication terminal of the user;

the mobile communication service system receiving an authentication number input by the user from the mobile communication terminal of the user;

the mobile communication service system comparing the authentication number input by the user with the authentication number transmitted to the mobile communication terminal of the user and transmitting the electronic money issuance data to an electronic money management server to request that the electronic money management server issue the amount of electronic money if the authentication numbers are identical;

the electronic money management server issuing the requested amount of electronic money to an electronic money account of the user identified by the password and the mobile communication terminal number of the user; and

the mobile communication service system notifying the mobile communication terminal of the user of completion of the electronic money issuance if the electronic money has been issued.

11. The electronic money management method according to claim 10, wherein the mobile communication service system detects the mobile communication terminal number of the user through a Caller Identification (CID) of the mobile communication terminal.

12. The electronic money management method according to claim 10, wherein, upon receiving the request to issue electronic money, the electronic money management server searches for the electronic money account of the user identified by the password and the mobile communication terminal number of the user, opens a new electronic money account identified by the password and the mobile communication terminal number of the user if the electronic money account of the user is not present, and recharges the electronic money account of the user with the requested amount of electronic money if the electronic money account of the user is present.

13. The electronic money management method according to claim 10, wherein, if the electronic money issuance is completed, the mobile communication service system transmits a Short Message Service (SMS) message to the mobile communication terminal, the SMS message containing at least one of a balance of the electronic money account, an issued amount of money, and a recharged amount of money, or containing a combination thereof.

14. A method for managing electronic money for use in electronic transactions, the method comprising:

an electronic money management web server transmitting a mobile communication terminal number of a first user who makes a transfer request and a password for use in electronic money transactions, which are received together with the transfer request from a user computer, to an electronic money management server to request that the electronic money management server check a balance of an electronic money account of the first user;

the electronic money management web server transmitting a result of the balance checking to the user computer and receiving electronic money transfer data from the user computer, the electronic money transfer data including a mobile communication terminal number of a second user who is to receive electronic money and an amount of money to be transferred;

the electronic money management web server transmitting an authentication number to a mobile communication terminal of the first user;

the electronic money management web server receiving an authentication number input by the first user from the user computer;

the electronic money management web server comparing the authentication number input by the user with the authentication number transmitted to the mobile communication terminal of the first user and transmitting the electronic money transfer data to an electronic money management server to request that the electronic money management server transfer the amount of electronic money if the authentication numbers are identical;

the electronic money management server transferring the requested amount of electronic money to an electronic money account identified by the mobile communication terminal number of the second user; and

the electronic money management web server notifying the mobile communication terminals of the first and second users of completion of the electronic money transfer if the electronic money has been transferred.

15. The electronic money management method according to claim 14, wherein, upon receiving the request to transfer electronic money, the electronic money management server searches for an electronic money account identified by the mobile communication terminal number of the second user, and if the electronic money account of the second user is not present, the electronic money management server opens a new electronic money account identified by the mobile communication terminal number of the second user and transfers the requested amount of electronic money to the new electronic money account of the second user after randomly assigning a password thereto, and if an electronic money account of the second user is present, the electronic money management server recharges the electronic money account of the second user with the requested amount of electronic money.

16. The electronic money management method according to claim 14, wherein, if the electronic money transfer is completed, the electronic money management web server transmits an SMS message containing a transfer record and a balance of the electronic money account of the first user to the mobile communication terminal of the first user and transmits an SMS message containing the transfer record, a balance of the electronic money account of the second user, and an randomly-assigned password to the mobile communication terminal of the second user.

17. A method for managing electronic money for use in electronic transactions, the method comprising:

a member store web server receiving a mobile communication terminal number of a user who has decided to conduct a transaction and a password for use in electronic money transactions from a user computer of the user and transmitting the received mobile communication terminal number and password, together with an amount of money for the transaction, to an electronic money management server;

the electronic money management server receiving an authentication number input by the user from the user computer;

the electronic money management server comparing the authentication number input by the user with the authentication number transmitted to the mobile communication terminal of the user and, if the authentication numbers are identical, determining whether or not a balance of an electronic money account of the user identified by the password and the mobile communication terminal number of the user is equal to or larger than the amount of money for the transaction; and

the electronic money management server notifying the member store web server of approval of the transaction and storing a record of the transaction if the balance of the electronic money account of the user is equal to or larger than the amount of money for the transaction.

18. The electronic money management method according to claim 17, further comprising:

the electronic money management server transmitting an SMS message containing the transaction record and the balance of the electronic money account of the user to the mobile communication terminal of the user after the transaction approval notification.

19. A method for managing electronic money for use in electronic transactions, the method comprising:

one of a mobile communication service system, an ARS server, and an electronic money management web server receiving and transmitting a balance checking request, together with a mobile communication terminal number of a user and a password for use in electronic money transactions, to an electronic money management server;

the electronic money management server checking a balance of an electronic money account of the user identified by the password and the mobile communication terminal number of the user and transmitting a result of the balance checking to the one of the mobile communication service system, the ARS server, and the electronic money management web server which has received the balance checking request; and

the one of the mobile communication service system, the ARS server, and the electronic money management web server receiving and transmitting the balance checking result to the mobile communication terminal of the user via an SMS message.

20. An electronic money management system comprising:

one of an ARS server, an electronic money management web server, and a mobile communication service system which transmits an authentication number to a mobile communication terminal of a user upon receiving an electric money issuance, recharging, transfer, or balance checking request, together with a mobile communication terminal number of the user and a password for use in electronic money transactions, from the user, compares the authentication number transmitted to the mobile communication terminal of the user with an authentication number received from the user, and transmits the password and the mobile communication terminal number of the user to make the electric money issuance, recharging, transfer, or balance checking request if the two authentication numbers are identical; and

an electronic money management server for issuing electronic money to, recharging electronic money to, or transferring electronic money from an electronic money account identified by the password and the mobile communication terminal number of the user upon receiving the electric money issuance, recharging, transfer, or balance checking request from the one of the ARS server, the electronic money management web server, and the mobile communication service system, and for transmitting a result of the electronic money issuance, recharging, or transfer and a balance of the electronic money account of the user to the mobile communication terminal of the user through the one of the ARS server, the electronic money management web server, and the mobile communication service system.