Method for approving electronic payment using the short message service including url call back and system for implementing the same
First Claim
1. A method for approving electronic payment in an electronic shopping mall with the use of a purchaser mobile terminal, conducted by a mobile communication service provider server that operates a mobile communication subscriber database and a payment approving server that is associated with an electronic shopping mall server through a communication network and supports WAP service, the method comprising:
- (a) receiving product transaction information including product information and price information of a product to be purchased together with a mobile terminal number of the purchaser and an authentication code for identifying the purchaser from a purchaser terminal that accesses the electronic shopping mall server;
(b) requesting payment certification with transmitting payment certification information including the mobile terminal number and the purchaser-identifying authentication code to the mobile communication service provider server, and then waiting for a response;
(c) transmitting SMS (Short Message Service) including URL callback for linking WAP access of the payment approving server to the purchaser mobile terminal through the mobile communication service provider server when the mobile communication service provider server transmits a certification success code as a result of inquiring the mobile communication subscriber database with the use of the payment certification information; and
(d) approving the payment under the condition that a mobile terminal transmitted in connection to WAP is identical to the mobile terminal number received in the electronic shopping mall server when the purchaser mobile terminal accesses WAP with the use of the URL callback.
1 Assignment
0 Petitions
Accused Products
Abstract
Disclosed are method and system for approving electronic payment using SMS including URL callback. Using this method, possession of a mobile terminal is very simply checked for approval of the payment using the mobile terminal. That is to say, if a payment approving server transmits SMS including URL callback to the mobile terminal of a purchaser and the purchaser accesses wireless Internet with the URL callback without inputting any certification number, the payment approving server extracts a mobile terminal number from WAP data packet transmitted from the mobile terminal accessed to the wireless Internet and then checks whether the purchaser possesses the mobile terminal. In addition, a purchaser-identifying authentication code requiring security is not transmitted via the electronic shopping mall server, but directly input to the payment approving server through the wireless Internet, thereby ensuring safe electronic payment.
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Citations
19 Claims
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1. A method for approving electronic payment in an electronic shopping mall with the use of a purchaser mobile terminal, conducted by a mobile communication service provider server that operates a mobile communication subscriber database and a payment approving server that is associated with an electronic shopping mall server through a communication network and supports WAP service, the method comprising:
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(a) receiving product transaction information including product information and price information of a product to be purchased together with a mobile terminal number of the purchaser and an authentication code for identifying the purchaser from a purchaser terminal that accesses the electronic shopping mall server;
(b) requesting payment certification with transmitting payment certification information including the mobile terminal number and the purchaser-identifying authentication code to the mobile communication service provider server, and then waiting for a response;
(c) transmitting SMS (Short Message Service) including URL callback for linking WAP access of the payment approving server to the purchaser mobile terminal through the mobile communication service provider server when the mobile communication service provider server transmits a certification success code as a result of inquiring the mobile communication subscriber database with the use of the payment certification information; and
(d) approving the payment under the condition that a mobile terminal transmitted in connection to WAP is identical to the mobile terminal number received in the electronic shopping mall server when the purchaser mobile terminal accesses WAP with the use of the URL callback. - View Dependent Claims (3, 4, 5, 6, 7, 8, 9, 10)
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2. A method for approving electronic payment in an electronic shopping mall with the use of a purchaser mobile terminal, conducted by a mobile communication service provider server that operates a mobile communication subscriber database and a payment approving server that is associated with an electronic shopping mall server through a communication network and supports WAP service, the method comprising:
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(a) receiving product transaction information including product information and price information of a product to be purchased together with a mobile terminal number of the purchaser from a purchaser terminal that accesses the electronic shopping mall server;
(b) transmitting SMS including URL callback for linking WAP access of the payment approving server to the purchaser mobile terminal through the mobile communication service provider server;
(c) receiving a purchaser-identifying authentication code from the purchaser mobile terminal under the condition that a mobile terminal number transmitted in connection to WAP is identical to the mobile terminal number received in the electronic shopping mall server when the purchaser mobile terminal accesses WAP with the use of the URL callback;
(d) requesting payment certification with transmitting payment certification information including the mobile terminal number and the purchaser-identifying authentication code to the mobile communication service provider server, and then waiting for a response; and
(e) approving the payment when the mobile communication service provider server transmits a certification success code as a result of inquiring the mobile communication subscriber database with the use of the payment certification information. - View Dependent Claims (11, 12, 13, 14, 15, 16, 17)
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18. A system for approving electronic payment using SMS including URL callback, which includes a payment approving server for receiving a request for electronic payment from a purchaser terminal that accesses an electronic shopping mall server and then approving the electronic payment in association with a mobile communication service provider server that operates a mobile communication subscriber database, and also supporting WAP service, wherein the payment approving server executes:
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receiving product transaction information including product information and price information of a product to be purchased together with a mobile terminal number of the purchaser and an authentication code for identifying the purchaser from a purchaser terminal that accesses the electronic shopping mall server;
requesting payment certification with transmitting payment certification information including the mobile terminal number and the purchaser-identifying authentication code to the mobile communication service provider server, and then waiting for a response;
transmitting SMS including URL callback for linking WAP access of the payment approving server to the purchaser mobile terminal through the mobile communication service provider server when the mobile communication service provider server transmits a certification success code as a result of inquiring the mobile communication subscriber database with the use of the payment certification information; and
approving the payment under the condition that a mobile terminal transmitted in connection to WAP is identical to the mobile terminal number received in the electronic shopping mall server when the purchaser mobile terminal accesses WAP with the use of the URL callback.
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19. A system for approving electronic payment using SMS including URL callback, which includes a payment approving server for receiving a request for electronic payment from a purchaser terminal that accesses an electronic shopping mall server and then approving the electronic payment in association with a mobile communication service provider server that operates a mobile communication subscriber database, and also supporting WAP service, wherein the payment approving server executes:
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receiving product transaction information including product information and price information of a product to be purchased together with a mobile terminal number of the purchaser from a purchaser terminal that accesses the electronic shopping mall server;
transmitting SMS including URL callback for linking WAP access of the payment approving server to the purchaser mobile terminal through the mobile communication service provider server;
receiving a purchaser-identifying authentication code from the purchaser mobile terminal under the condition that a mobile terminal number transmitted in connection to WAP is identical to the mobile terminal number received in the electronic shopping mall server when the purchaser mobile terminal accesses WAP with the use of the URL callback;
requesting payment certification with transmitting payment certification information including the mobile terminal number and the purchaser-identifying authentication code to the mobile communication service provider server, and then waiting for a response; and
approving the payment when the mobile communication service provider server transmits a certification success code as a result of inquiring the mobile communication subscriber database with the use of the payment certification information.
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Specification