SECURE PAYMENT SYSTEM USING A MOBILE PHONE, AND PAYMENT METHOD USING SAME

• US 20140052607A1
• Filed: 12/20/2011
• Published: 02/20/2014
• Est. Priority Date: 05/14/2010
• Status: Abandoned Application

• Current Assignee: Gui Sug Park
• Original Assignee: Gui Sug Park
• Inventors: Park, Gui Sug
• Application Number:
  US14/001,682
• Publication Number:
  US 20140052607A1
• Time in Patent Office: Days
• US Class Current: 705/38
• 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 20/327 Short range or proximity payments by means of M-devices
• CPC Class Codes: G06Q 20/42 Confirmation, e.g. check or permission by the legal debtor of payment
• CPC Class Codes: G06Q 40/03 Credit; Loans; Processing thereof

Abstract

The present invention relates to a secure payment system and method using a mobile phone, wherein a purchaser makes payments using various credit cards and a seller confirms the payments instantly through a payment-receiving terminal, and more particularly, to a secure payment system and method using a mobile phone, wherein: a purchaser accesses a payment system using the mobile phone having a card registered therein and inputs and transmits seller information, a payment, and a password; a payment system recognizes and stores the inputs and extracts necessary information with a view to transmitting same to a credit-card company and a financial institution; and, if approval is granted by the credit-card company and financial institution, an approval number is automatically inputted in a process list of the payment system, and then a short message service (SMS) is simultaneously provided to the mobile phones of the purchaser and of the seller and to a payment-receiving terminal of the seller for payment confirmation.

Claims

1. A secure payment system (10) of the type having a mobile phone (20) of a user who has to pay for his or her purchase;

credit-card company and financial institution servers (30) which are configured to maintain an account of available credit for the user of the mobile phone (20), and for generating an authorization to issue credit upon request if there is available credit in the account associated with the mobile phone (20) equal to or greater than the requested credit; and

a payment-receiving terminal (40) configured to receive authorization to issue credit in real time, in which the secure payment system (10) serves as a go-between in transmission of all information among the purchaser'"'"'s mobile phone (20), the credit-card company and financial institution servers (30), and the payment-receiving terminal (40);

provides the purchaser'"'"'s mobile phone (20) and the payment-receiving terminal (40) with a screen required for payments, respectively; and

encodes and stores all information required for payments, wherein the improvement comprises;

the secure payment system (10) stores and administrates information of the purchaser to be inputted through the purchaser'"'"'s mobile phone (20), information of a seller to be inputted through the payment-receiving terminal (40), device information of the purchaser'"'"'s mobile phone (20) and the payment-receiving terminal (40), and password information of the purchaser and the seller, while running an information management process (11);

the secure payment system (10) makes seller'"'"'s product information to be outputted on a phone page of the purchaser'"'"'s mobile phone (20) when the purchaser'"'"'s mobile phone (20) accesses to the secure payment system (10) on the basis of the seller'"'"'s information of the payment-receiving terminal (40), while running a customer management process (12);

the secure payment system (10) extracts card information such as card number and expiration date from the information management process (11) according to a request for approving a payment transmitted from the purchaser'"'"'s mobile phone (20), and then sends that information to the credit-card company and the financial institution servers (30), and then receives authorization to issue credit and stores it, and then inputs a payment approval number into process lines of a phone and home page process (15) and a SMS sending process (14), while running the payment executing process (13);

the secure payment system (10) automatically sends the purchaser'"'"'s information and the seller'"'"'s information to the purchaser'"'"'s mobile phone (20) and the payment-receiving terminal (40) with a character, while running the SMS sending process (14);

the secure payment system (10) outputs payment fulfill circumstances such as required information, purchases, payment amount and so on to the phone page or the home page, while a payment is executed in the secure payment system (10) by using the purchaser'"'"'s mobile phone (20) and the payment-receiving terminal (40), in the phone and home page process (15);

the secure payment system (10) perceives positional coordinates of the purchaser'"'"'s mobile phone (20) when the purchaser'"'"'s mobile phone (20) accesses to the secure payment system (10), and then it compares the perceived positional coordinates with same area positional coordinates by matching them together, and thereafter it makes the phone page of the purchaser'"'"'s mobile phone (20) display a plurality of franchise stores existing in a region within a predetermined radius, while running the positional information process (16);

the secure payment system (10) makes all of information to be sent or received among the purchaser'"'"'s mobile phone (20), the credit-card company and the financial institution servers (30) and the payment-receiving terminal (40) through the public telecommunication network of the mobile and the internet, while running a data sending process (17); and

a franchise number, that is the seller'"'"'s information, comprises a state identification number 3-digit, a local identification number 4-digit and a personal identification number 4-digit so that the secure payment system (10) perceives the purchaser'"'"'s mobile phone (20) and the franchise number of the seller and then it shall fulfill payments for purchases.

2. The secure payment system (10) as claimed in claim 1, characterized in that a franchise store information chip (41) of which a franchise number and a dependent number are stored therein is installed a predetermined position in a franchise store of the seller registered in the secure payment system (10), wherein a payment information recognition chip (21) is installed in the purchaser'"'"'s mobile phone (20) so that it may be communicated with the franchise store information chip (41) in close proximity to each other and it can read information related to the franchise number and the dependent number of the seller.

3. A payment method by using a secure payment system of the type having a mobile phone of a user who has to pay for his or her purchase;

credit-card company and financial institution servers which are configured to maintain an account of available credit for the user of the mobile phone, and for generating an authorization to issue credit upon request if there is available credit in the account associated with the mobile phone equal to or greater than the requested credit; and

a payment-receiving terminal configured to receive authorization to issue credit in real time;

in which the secure payment system serves as a go-between in transmission of all information among the purchaser'"'"'s mobile phone, the credit-card company and financial institution servers, and the payment-receiving terminal;

provides the purchaser'"'"'s mobile phone and the payment-receiving terminal with a screen required for payments, respectively; and

encodes and stores all information required for payments, characterized in that it comprises the steps of;

performing a purchaser registration process (70) a purchaser so as to obtain an approval to be granted by the credit-card company and financial institution servers when the purchaser'"'"'s mobile phone accesses to the secure payment system, wherein the purchaser registration process (70) comprises the steps of;

(a) performing a purchaser'"'"'s mobile card install process (=L1), wherein if a user accesses to the payment system by using the purchaser'"'"'s mobile phone and then he or she gets down a program required to the secure payment system, a screen for entering a card information and a personal information of the purchaser in the secure payment system may be displayed on the phone page of the purchaser'"'"'s mobile phone;

(b) performing a purchaser'"'"'s mobile card certification request process (=L2), wherein after completed having performing of the purchaser'"'"'s mobile card install process (=L1), if a purchaser inputs card information and purchaser'"'"'s information, then the secure payment system receives that information and requests the registration of the purchaser'"'"'s mobile phone and the purchaser'"'"'s mobile card to the credit-card company and financial institution servers;

(c) performing a purchaser'"'"'s mobile card temporary authorization process (=L3) the purchaser'"'"'s mobile card, wherein after completed having performing of the purchaser'"'"'s mobile card identification request process (=L2), if the secure payment system receives information related to the completion of the card registration from the credit-card company and financial institution servers, it performs a temporary authentication step and stores that information;

(d) performing a purchaser'"'"'s mobile card authorization preparing process (=L4) the purchaser'"'"'s mobile card authorization after completed having performing of purchaser'"'"'s mobile card temporary authorization process (=L3), wherein a screen for entering a password to be used when billing and an emergency password to be used in the event of an emergency is displayed on the phone page of the purchaser'"'"'s mobile phone; and

(e) performing a purchaser'"'"'s mobile card final authorization process (=L5), wherein after completed having performing of purchaser'"'"'s mobile card authorization preparing process (=L4), if the purchaser inputs the password to be used when billing into the screen and then sends that information to the secure payment system, the secure payment system makes a simulated payment fulfill screen to be displayed on the phone page of the purchaser'"'"'s mobile phone, and if the simulated payments was properly made, then the secure payment system stores information related to the connection and payment password and thereafter performs the final certification procedure, and then the secure payment system sends character information to purchaser'"'"'s mobile phone so as to notify the completion of the purchaser registration procedure;

performing a seller registration process (90) so as to obtain an approval to be granted by the credit-card company and financial institution servers when the purchaser'"'"'s mobile phone accesses to the secure payment system, wherein the seller registration process (90) comprises the steps of;

(a) performing a payment system seller install process (=L6), wherein a seller can access to the secure payment system through the payment-receiving terminal and download and install any necessary program, and wherein a screen for entering information of the seller may be displayed on the phone page the payment-receiving terminal;

(b) performing a seller authentication requesting process (=L7), wherein after having completed performing of the payment system seller install process (=L6), if the seller inputs seller'"'"'s information of the payment-receiving terminal, the secure payment system recognizes the fact that information entered and then stores that seller'"'"'s information, and then the secure payment system requests a registration of member store in the credit-card company and financial institution servers; and

(c) performing a seller authentication process (=L9), wherein after completed having performing of the seller authentication requesting process (=L7), if the secure payment system receives information indicating that the registration of franchise store is completed, then the seller enters information of the payment-receiving terminal and sends that information to the secure payment system, then the secure payment system recognizes the fact that information entered and it gives franchise number to the payment-receiving terminal of the seller and then fulfills the final authentication procedure, at the same time, it sends character information (SMS) indicating the completion of franchise store registration to the payment-receiving terminal;

performing a payment system connection process (=L11) to a home page of the secure payment system by using the purchaser'"'"'s mobile phone so as to fulfill payments for purchases after completing the purchaser registration process (70) and the seller registration process (90);

performing an information entering process (=L12), wherein after completed having performing of the payment system connection process (=L11), a screen for requesting input of the purchaser'"'"'s information, the seller'"'"'s information and information related to the payment method is displayed on the phone page of the purchaser'"'"'s mobile phone, then the purchaser sends those information;

performing a purchaser verification process (=L13), wherein after completed having performing of the information entering process (=L12), the secure payment system compares and analyzes the purchaser'"'"'s information and the seller goods information, and if all of information was consistent with the purchaser'"'"'s information, the secure payment system makes a screen for requesting input of billing password and payment details to be displayed on the phone page of the purchaser'"'"'s mobile phone;

performing a card approval process (=L14), wherein after completed having performing of the purchaser verification process (=L13), the purchaser inputs a payment method, payment information and a payment password so as to request for approving a payment, then the secure payment system judges whether the request for approval was received or not, if the request for approval was received, the secure payment system request approval of the settlement price to the credit-card company and financial institution servers after extracting and coding the payment information, the card number of the purchaser, and the expiration date of the card, and then the credit-card company and financial institution servers send the results of the approval of the settlement price to the secure payment system; and

performing a payment completion process (=L15), wherein after completed having performing of the card approval process (=L14), if a card authorization information is transmitted from the credit-card company and financial institution servers to the secure payment system, then the secure payment system automatically inputs and stores in process lists of the information management process, the customer management process, the payment executing process, the SMA sending process, the phone and home page process, the positional information process, the data transfer process;

wherein the dependent number may be selected from the group of number of restaurant seat, number of karaoke room, number of the hotel'"'"'s room, number of product selling in shopping mall and home shopping, and number of vehicles;

wherein the secure payment system can make the phone page of the purchaser'"'"'s mobile phone display a plurality of franchise stores existing in a region within a predetermined radius due to the positional information process, while running payment system connection process (=L11);

and wherein a franchise number, that is the seller'"'"'s information, comprises a state identification number 3-digit, a local identification number 4-digit and a personal identification number 4-digit.

4. A payment method by using a secure payment system of the type having a mobile phone of a user who has to pay for his or her purchase;

credit-card company and financial institution servers which are configured to maintain an account of available credit for the user of the mobile phone, and for generating an authorization to issue credit upon request if there is available credit in the account associated with the mobile phone equal to or greater than the requested credit;

a payment-receiving terminal configured to receive authorization to issue credit in real time;

a franchise store information chip having a franchise number and a dependent number, which is located on a table of a franchise store; and

a payment information recognition chip installed in the purchaser'"'"'s mobile phone, which can read the seller'"'"'s information after performing the near-field communication with the franchise store information chip;

in which the secure payment system serves as a go-between in transmission of all information among the purchaser'"'"'s mobile phone, the credit-card company and financial institution servers, and the payment-receiving terminal;

provides the purchaser'"'"'s mobile phone and the payment-receiving terminal with a screen required for payments, respectively;

characterized in that it comprises the steps of;

performing a close communication (=L17), wherein when a purchaser accesses to the secure payment system through the purchaser'"'"'s mobile phone, the secure payment system can recognize a close communication between the payment information recognition chip and the franchise store information chip; and

performing an automatic connection and certification (=L18), wherein after completed having performing of the close communication process (=L17), the secure payment system extracts the franchise number and the dependent number of the seller stored in the franchise store information chip, then it allows the seller'"'"'s information, which is corresponds to the franchise number and the dependent number, to be displayed on a phone page of the purchaser'"'"'s mobile phone, and then it requests for approving a payment;

wherein after completed having performing of the automatic connection and certification process (=L18), the card approval process (=L14), the payment completion process (=L15) and the seller payment amount sending process (=L16) may be further performed in sequence,

wherein a franchise number, that is the seller'"'"'s information, comprises a state identification number 3-digit, a local identification number 4-digit and a personal identification number 4-digit,

and wherein the dependent number may be selected from the group of number of restaurant seat, number of karaoke room, number of the hotel'"'"'s room, number of product selling in shopping mall and home shopping, and number of vehicles.