Mobile payment processing system and method therefor

Abstract

The present invention relates to a mobile payment processing system using a mobile terminal and a method therefor, and enables the user of a mobile terminal to quickly proceed with a mobile payment service without waiting for a response signal from a payment processing server receiving a payment request signal by making a member's terminal directly generate transaction identity information (T-ID) and transmit the generated T-ID to the mobile terminal when requesting a payment. The invention also provides a payment process result notifying server and a member's terminal that enable the member's terminal to carry out a UDP communication with the payment process result notifying server during a mobile payment procedure so as to directly inquire as to the transaction state as the payment procedure is completed.

Description

technical field [0001] The following description relates to a mobile payment processing system and method for performing a mobile payment through a customer's mobile terminal, and more particularly, to a mobile payment process including an affiliated store terminal capable of performing a mobile payment through a customer's mobile terminal Systems and methods, and a payment processing server performing mobile payments with affiliated store terminals. Background technique [0002] According to the spread of mobile terminals such as smartphones, payment with mobile terminals is mainly used when payment is performed in stores and the like. [0003] Generally, payment through a mobile terminal is performed through a mobile terminal used by a customer, an affiliated store terminal used in a store, etc., and a payment processing server that processes payment while communicating with both terminals. [0004] Among them, there is a mobile terminal-guided payment method in which a m...

AI Technical Summary

Problems solved by technology

Therefore, there is a problem that the payment by the mobile terminal is not performed and is on standby until the affiliated store terminal receives T-ID information from the payment processing server

[0010] In addition, in the conventional mobile payment method, unless payment-related information is sent to the payment processing server and communication with the payment processing server is continuously maintained during the operation of the affiliated store terminal initially sending payment information to the mobile terminal, the payment processing The server cannot tell the affiliated store whether the terminal payment is processed

[0011] That is, in the mobile terminal-guided payment method, the payment processing server cannot know the network address information of the affiliated store terminal, and even if the mobile terminal sends the network address information of the affiliated store terminal to the payment processing server when requesting payment, even if the payment processing server Knowing the private Internet Protocol (IP) address of the affiliate terminal also prevents the payment processing server from reconnecting to the affiliate terminal, as many affiliate terminals are currently located down private routers and use private IP addresses

As a result, in the current communication infrastructure, the affiliated store terminal must maintain the connection with the payment processing server until the payment processing is completed in order to receive the payment processing result from the payment processing server. A problem with a customer performing payment processing

[0012] Therefore, there is a problem that it cannot be confirmed in the affiliated store terminal that the payment between the customer's mobile terminal and the payment processing server is processed and whether the payment is completed

[0013] Therefore, when processing the payment guided by the mobile terminal, there is inconvenience that the affiliated store terminal cannot immediately know the payment situation through the customer's mobile terminal, and there is a problem that since the affiliated store terminal must be connected to the payment processing server by Check the payment result after confirming to the customer whether the payment is completed using the mobile terminal, so the completion of the payment is delayed

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