WO2003014994A1 - Accounting method by authentication of mobile telecommunication company - Google Patents

Accounting method by authentication of mobile telecommunication company Download PDF

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Publication number
WO2003014994A1
WO2003014994A1 PCT/KR2002/001502 KR0201502W WO03014994A1 WO 2003014994 A1 WO2003014994 A1 WO 2003014994A1 KR 0201502 W KR0201502 W KR 0201502W WO 03014994 A1 WO03014994 A1 WO 03014994A1
Authority
WO
WIPO (PCT)
Prior art keywords
mobile communication
purchaser
goods
communication company
authentication
Prior art date
Application number
PCT/KR2002/001502
Other languages
French (fr)
Inventor
Sung-Woo Lee
Ju-Mi Hong
Original Assignee
Wedison Technologies, Inc.
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Wedison Technologies, Inc. filed Critical Wedison Technologies, Inc.
Publication of WO2003014994A1 publication Critical patent/WO2003014994A1/en

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Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/04—Billing or invoicing
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M15/00—Arrangements for metering, time-control or time indication ; Metering, charging or billing arrangements for voice wireline or wireless communications, e.g. VoIP
    • H04M15/48—Secure or trusted billing, e.g. trusted elements or encryption
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M15/00—Arrangements for metering, time-control or time indication ; Metering, charging or billing arrangements for voice wireline or wireless communications, e.g. VoIP
    • H04M15/68—Payment of value-added services
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M17/00—Prepayment of wireline communication systems, wireless communication systems or telephone systems
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M2215/00—Metering arrangements; Time controlling arrangements; Time indicating arrangements
    • H04M2215/01—Details of billing arrangements
    • H04M2215/0156—Secure and trusted billing, e.g. trusted elements, encryption, digital signature, codes or double check mechanisms to secure billing calculation and information
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M2215/00—Metering arrangements; Time controlling arrangements; Time indicating arrangements
    • H04M2215/01—Details of billing arrangements
    • H04M2215/0196—Payment of value-added services, mainly when their charges are added on the telephone bill, e.g. payment of non-telecom services, e-commerce, on-line banking
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M2215/00—Metering arrangements; Time controlling arrangements; Time indicating arrangements
    • H04M2215/32—Involving wireless systems

Definitions

  • This invention relates to an accounting method by
  • the machines take cash only but do not allow credit transactions.
  • vending machines is automatically made by using a mobile phone
  • a goods/service provider having a mobile communication means
  • the provider is preferably a vending machine.
  • Fig. 1 is a block diagram for a network configuration of a
  • Fig. 2 is a flowchart for explaining a method of making
  • Fig. 1 is a block diagram for a network configuration of a
  • transaction server (400) may also be connected to a bank server (500) via the Internet or the exclusive line.
  • bank server (500) via the Internet or the exclusive line.
  • the vending machine (100) may have a mobile communication
  • vending machine (100) the vending machine (100)
  • function selector means (110) for selecting one of several functions
  • the mobile communication means (130) comprises a telephone
  • controller (131) for controlling overall operations of the mobile
  • an LCD means (134) for indicating
  • the transaction server (400) is linked to a member DB (410)
  • a method of making payment using a mobile communication company as
  • Fig. 2 is a flowchart for explaining a method of making payment
  • vending machine (100) have to affiliate with, and establish their own
  • step S10 the vending machine (100) executes step S10, in which, when the purchaser selects a credit transaction function
  • vending machine (100) calculates a price of the goods, and stores
  • the mobile communication company (200) for example by means of a
  • SMS short message service
  • vending machine (100) and instructing the purchaser to input his
  • the purchaser inputs a password using his own mobile
  • the mobile communication company (200) refers to the phone number DB (230) and the password DB (232), and determines
  • step S60 the transaction server (400) confirms whether
  • step S80 the mobile communication company (200)
  • the transaction server (400) or the balance is not sufficient to pay for the goods although they are members, the transaction server (400)
  • an authentication can also be executed by the vending machine
  • the vending machine (100) receives
  • vending machine (100) transmits mobile telephone
  • step S50 determines whether other steps below step S50 are executed. Therefore,
  • step S30 and step S40 are omitted in this embodiment.
  • step S30 in Fig. 2 the mobile communication
  • the invention is not limited to the above-mentioned
  • the vending machine as the goods/service provider, which can also be applied to a cash drawer, etc. That is, the conventional cash
  • drawer, etc. may comprise a mobile communication means and
  • the present invention can be any one of the above-mentioned method. Besides, the present invention can be any one of the above-mentioned method. Besides, the present invention can be any one of the above-mentioned method. Besides, the present invention can be any one of the above-mentioned method. Besides, the present invention can be any one of the above-mentioned method. Besides, the present invention can be any one of the above-mentioned method. Besides, the present invention can be any one of the present invention.

Abstract

Disclosed is a method of making payment in which payment of purchasers who possess their mobile phones is made by using a mobile communication company as authentication agencies of the purchasers. The method is characterized by comprising the steps of: (a) transmitting a mobile telephone number of the purchaser and information on a goods/service price which the purchaser selects to the mobile communication company and requesting a purchaser authenticaion; (b) calling the mobile telephone number in the mobile communication company and having the purchaser input his own password; (c) transmitting information on approval of the purchaser authentication and the information on a goods/service price to the transaction server from the mobile communication company when the password inputted in the step (b) and a pre-registered password are coincided; and (d) transferring the goods/service price from the purchaser's account to the account of the goods/service provider by the transaction server.

Description

ACCOUNTING METHOD BY AUTHENTICATION OF MOBILE
TELECOMMUNICATION COMPANY
Technical Field
This invention relates to an accounting method by
authentication of mobile telecommunication, and specifically, a
method of making payment in which payment of purchasers who
possess their mobile phones is made by using a mobile
communication company as authentication agencies of the
purchasers.
Background Art
Nowadays, along with rapid progress of computer and
communication technology, the Internet, which is the limitless and
open sea of information, has been propagated to all workplaces and
even homes. And with Internet bookseller companies like
Amazon. com heading the way, the Internet is used for business
transactions and bill payment. Also, devices like mobile phones
and PDA's become more and more commonplace and are used in many
areas.
Meanwhile, though vending machines for cigarettes, soft drinks, etc. , have become commonplace because they do not require
a person to be present at a place of sale, it is inconvenient that
the machines take cash only but do not allow credit transactions.
Besides, some machines only take coins, but do not take bills, and
this is even more inconvenient, requiring customers to carry coins
with themselves. If one takes this into account and purchases a
machine that takes both coins and bills, the price of it increases
significantly. Further, visiting the machines and collecting coins
that are sitting in the machines is another inconvenience, and
finally, there is still another problem in that it is very
difficult to know the total stock of goods in the machine in the
remote place on the spot.
One method of making payment by credit cards in a vending
machine is disclosed in Korean Patent Laid-open Publication No.
2001-7851, which comprises a card reader and a wired/wireless
communication device for using credit cards for transaction in the
vending machine, and wired/wireless communication networks to
enable sending/receiving of data.
However, the above method of making payment using credit
cards has been little commercialized because the commission on each transaction is too high for products of very low value as
goods to be dealt in by the vending machines.
Disclosure of Invention
Accordingly, the present invention is made in order to
solve the above problems, and one object of the present invention
is to provide a method of making payment using a mobile
communication company as an authentication agency, in which
payment between purchasers who possess their mobile phones and
vending machines is automatically made by using a mobile
communication company, which the purchasers is affiliated with, as
authentication agency.
To accomplish the object of this invention, a method of
making payment using a mobile communication company as an
authentication agency is provided in accordance with one
embodiment of the invention, which is executed in a system wherein
a goods/service provider having a mobile communication means, a
mobile communication device of a purchaser and a mobile
communication company are connected to each other via a wireless
communication network, and a transactions server for settlement,
which accounts for the goods/service provider and the purchaser are established in, and the mobile communication company are
connected to each other via a wired communication network, said
method being characterized by comprising the steps of: (a)
transmitting a mobile telephone number of the purchaser and
information on a goods/service price which the purchaser selects
to the mobile communication company and requesting a purchaser
authentication; (b) calling the mobile telephone number in the
mobile communication company and having the purchaser input his
own password; (c) transmitting information on approval of the
purchaser authentication and the information on a goods/service
price to the transaction server from the mobile communication
company when the password inputted in the step (b) and a
pre-registered password are coincided; and (d) transferring the
goods/service price from the purchaser's account to the account of
the goods/service provider by the transaction server.
In the above-mentioned construction, said goods/service
provider is preferably a vending machine.
Brief Description of Drawings
Fig. 1 is a block diagram for a network configuration of a
system of making payment using a mobile communication company as an authentication agency according to one embodiment of the
present invention.
Fig. 2 is a flowchart for explaining a method of making
payment using a mobile communication company as an authentication
agency according to one embodiment of the present invention.
Best Mode for Carrying out the Invention
Now, a method of making payment using a mobile
communication company as an authentication agency according to a
preferred embodiment of the present invention will be described in
detail with reference to the accompanying drawings.
Fig. 1 is a block diagram for a network configuration of a
system of making payment using a mobile communication company as
an authentication agency according to one embodiment of the
present invention. In accordance with the network configuration of
a system of making payment using a mobile communication company as
an authentication agency as illustrated in Fig. 1, a transaction
server (400) for settlement of a goods/service price and an
exchange server (220) of the mobile communication company (200)
are connected to each other via the Internet or an exclusive line,
and said transaction server (400) may also be connected to a bank server (500) via the Internet or the exclusive line. Furthermore,
an exchange department (210) of the mobile communication company
(200), a vending machine (100) and a mobile communication device
(300) are connected to each other via a wireless communication
network.
To explain such a construction more specifically, the
mobile communication company (200) comprises the exchange
department (210) for executing a wireless communication between
the vending machine (100) and the mobile communication device
(300), an exchange server (220) for executing a data communication
with the transaction server (400) via the Internet, and databases
(230, 232) for storing telephone numbers and passwords of
subscribers.
The vending machine (100) may have a mobile communication
means (130) for a wireless communication in addition to the
current configuration. That is, the vending machine (100)
comprises as elements of the conventional vending machine, a
function selector means (110) for selecting one of several
functions of the vending machine (100) such as a selection of
goods for purchase, a product output means (120) for outputting the selected goods and a central control means (140) for
controlling the above means. And, the vending machine (100)
further comprises the mobile communication means (130), which
under collaboration with the central control means (140), performs
a wireless communication with the exchange department (210) of the
mobile communication company (200).
The mobile communication means (130) comprises a telephone
controller (131) for controlling overall operations of the mobile
communication means (130), a wireless transmitter (133) for
executing the wireless communication with the exchange department
(210), a key input means (132) for inputting several functions
included in the mobile communication means (130) such as an input
of the telephone number, etc., an LCD means (134) for indicating
an acting state of the mobile communication means (130) and a
transmission controller (135) for communicating internally with
the central control means (140).
The transaction server (400) is linked to a member DB (410)
for storing information about mobile telephone numbers, etc. , of
the purchasers and the mobile communication means of the vending
machines who are members, and an account DB (412) for storing information relating to accounts of the members.
A method of making payment using a mobile communication company as
an authentication agency in accordance with the present invention is
described hereinafter.
Fig. 2 is a flowchart for explaining a method of making payment
using a mobile communication company as an authentication agency
according to one embodiment of the present invention, in which a solid
lines represent a wired communication, dotted lines represent a wireless
communication, and the steps in the upper part in the flowchart precede
the steps in the relatively lower part. In the method of making payment
using a mobile communication company as an authentication agency
according to one embodiment of the present invention as shown in Fig. 2,
the purchaser and the vending machine (100) have to subscribe for, and
have been assigned their own individual telephone numbers through, the
mobile communication company (200) in advance, and also, have to register
a password or an authorization code for execution of functions in the
mobile communication company (200). Further, the purchaser and the
vending machine (100) have to affiliate with, and establish their own
accounts in, the transaction server (400) in advance.
At this state, the vending machine (100) executes step S10, in which, when the purchaser selects a credit transaction function
using the mobile communication device (300) and desired goods, the
vending machine (100) calculates a price of the goods, and stores
a mobile telephone number of the purchaser inputted via a key
input means (132) of the mobile communication means (130). Then,
the vending machine (100) executes step S20 of transmitting the
mobile telephone number of the purchaser and his own, and
information on the goods price to the exchange department (210) of
the mobile communication company (200), for example by means of a
short message service (SMS), etc., via a wireless communication,
and then requesting a purchaser authentication.
Subsequently, the exchange department (210) executes step
S30 of calling the mobile telephone number transmitted from the
vending machine (100) and instructing the purchaser to input his
own password by means of ARS, SMS, etc. And, in response to such
instructions, the purchaser inputs a password using his own mobile
communication device (300), which is then transmitted to the
exchange department (210) via the wireless communication(step
S40).
Next, the mobile communication company (200) refers to the phone number DB (230) and the password DB (232), and determines
whether the password inputted by the purchaser in step S30 and a
pre-registered password of the subscriber having the mobile
telephone number are coincided. If they are coincided, the mobile
communication company (200) executes step S50 of transmitting
information on result of the purchaser authentication and the
information on the goods price to the transaction server together
with the telephone numbers of the purchaser and the vending
machine (100).
In step S60, the transaction server (400) confirms whether
both parties are members using the transmitted mobile telephone
numbers of the purchaser and the vending machine (100) from the
mobile communication company (200) and whether reserved money in
the account of the purchaser who is a member remains sufficiently
to pay for the goods, that is, the balance is sufficient. At this
time, where the balance is sufficient, the transaction server
(400) transfers the goods price from the purchaser's account to
the account of the owner of the vending machine (100)
automatically, and then executes step S70 of transmitting the
processing details to the exchange server (220) of the mobile communication company (200).
In step S80, the mobile communication company (200)
transmits instructions of outputting the goods to the vending
machine (100) by means of the exchange department (210), and the
mobile communication means (130) of the vending machine (100) to
have received such instructions transfers the instructions to the
central control means (140) via the transmission controller (135),
and thus the central control means (140) controls the product
output means (120), so as to output the goods(step S90).
In the above-described construction, the mobile
communication company (200) refuses the audentication when the
password inputted by the purchaser and the pre-registered password
of the subscriber are not coincided in step S30, and the refused
fact is reported to the mobile communication device (300) of the
purchaser by means of ARS, SMS, etc. In the vending machine (100),
the program ends after instructing a refusal against an output of
the goods. And, in result of an inquiry of the transmitted
information at step S50, in case that the owner of the vending
machine (100) or the purchaser is not a member of the transaction
server (400), or the balance is not sufficient to pay for the goods although they are members, the transaction server (400)
transmits such a fact to the mobile communication company (200),
the mobile communication company (200) reporting the fact to the
mobile communication device (300) of the purchaser using ARS, SMS,
etc. In the vending machine (100), the program ends after
instructing a refusal against an output of the goods.
Meanwhile, differently from the embodiment shown in Fig. 2,
an authentication can also be executed by the vending machine
(100) and the mobile communication company (200) only without
intervening the mobile communication device (300) of the
purchaser. In this case, the vending machine (100) receives
information on selection of goods, the mobile telephone number and
the password to be inputted by the purchaser instead of step S10,
and then the vending machine (100) transmits mobile telephone
numbers of his own and the purchaser and the inputted password of
the purchaser, and information on the goods price to the mobile
communication company (200), and requests a purchaser
authentication, instead of the above-mentioned step S20. Next, the
mobile communication company (200) refers to the phone number DB
(230) and the password DB (232), and determines whether the inputted password and a pre-registered password of the subscriber
having the mobile telephone number are coincided. According to the
determination, other steps below step S50 are executed. Therefore,
step S30 and step S40 are omitted in this embodiment.
Furthermore, it is also possible to allow the vending
machine (100) to carry out the function of the mobile
communication device (300) as a modified embodiment of Fig. 2.
That is, instead of step S30 in Fig. 2, the mobile communication
company (200) calls the vending machine (100) instead of the
mobile communication device (300) of the purchaser and instructs
the purchaser to input his password in the vending machine (100).
If the purchaser inputs his password via the key input means (132)
of the vending machine (100) according to such instructions, the
inputted password can also be transmitted to the mobile
communication company (200) from the vending machine (100).
The invention is not limited to the above-mentioned
embodiments, but rather various changes or modifications thereof
are possible without departing from the spirit of the invention.
For example, the description is explained for, but not limited to,
the vending machine as the goods/service provider, which can also be applied to a cash drawer, etc. That is, the conventional cash
drawer, etc. , may comprise a mobile communication means and
determine whether to output cashes according to a result of
executing an authentication of a demander himself of a service by
the above-mentioned method. Besides, the present invention can
also be applied to a cash register operated by a person in a goods
store, a ticket sale store, etc. Also, the mobile telephone number
of the purchaser can be inputted and stored to the vending machine
(100) by means of a bar code scan means, an IR communication
means, an RF communication means, etc. , instead of the key input
means (132).
According to the configuration and acting of the method of
making payment using a mobile communication company as an
authentication agency in accordance with the embodiments of the
present invention described above, a payment method will be
diversifed by executing an authentication using mobile
communication devices carried with most modern people, thereby
having an effect of increasing security and promotion of
transactions.

Claims

Claims
1. A method of making payment using a mobile communication
company as an authentication agency, which is executed in a system
wherein a goods/service provider having a mobile communication
means, a mobile communication device of a purchaser and a mobile
communication company are connected to each other via a wireless
communication network, and a transactions server for settlement,
which accounts for the goods/service provider and the purchaser
are established in, and the mobile communication company are
connected to each other via a wired communication network, said
method being characterized by comprising the steps of:
(a) transmitting a mobile telephone number of the purchaser
and information on a goods/service price which the purchaser
selects to the mobile communication company and requesting a
purchaser authentication;
(b) calling the mobile telephone number in the mobile
communication company and having the purchaser input his own
password;
(c) transmitting information on approval of the purchaser
authentication and the information on a goods/service price to the transaction server from the mobile communication company when the
password inputted in the step (b) and a pre-registered password
are coincided; and
(d) transferring the goods/service price from the
purchaser's account to the account of the goods/service provider
by the transaction server.
2. A method of making payment using a mobile communication
company as an authentication agency according to claim 1, said
method being characterized in that said goods/service provider is
a vending machine.
3. A method of making payment using a mobile communication
company as an authentication agency, which is executed in a system
wherein a goods/service provider having a mobile communication
means and a mobile communication company are connected to each
other via a wireless communication network, and a transactions
server for settlement, which accounts, for the goods/service
provider and a purchaser are established in, and the mobile
communication company are connected to each other via a wired
communication network, said method being characterized by
comprising the steps of: (a) transmitting a mobile telephone number and a password
of the purchaser inputted by the purchaser and information on a
goods/service price which the purchaser selects from the
goods/service provider to the mobile communication company and
requesting a purchaser authentication;
(b) transmitting information on approval of the purchaser
authentication and the information on a goods/service price from
the mobile communication company to the transaction server when
the password transmitted in the step (b) and a pre-registered
password are coincided; and
(c) transferring the goods/service price from the
purchaser's account to the account of the goods/service provider
by the transaction server.
PCT/KR2002/001502 2001-08-07 2002-08-07 Accounting method by authentication of mobile telecommunication company WO2003014994A1 (en)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
KR2001/47401 2001-08-07
KR1020010047401A KR20010099003A (en) 2001-08-07 2001-08-07 accounting method by authentication of mobile telecommunication company

Publications (1)

Publication Number Publication Date
WO2003014994A1 true WO2003014994A1 (en) 2003-02-20

Family

ID=19712923

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Application Number Title Priority Date Filing Date
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Country Status (2)

Country Link
KR (1) KR20010099003A (en)
WO (1) WO2003014994A1 (en)

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