Mobile payment method, system and device using home shopping

Abstract

The present embodiment relates to a mobile payment method, system and device using home shopping, wherein OTP (One Time Password) information is verified through a telephone conversation with an agent, ARS or a webpage, depending on the method for purchasing the specific merchandise chosen by the user in the process of executing a mobile payment using home shopping, and electronic payment is executed more rapidly and securely thereby. The present embodiment also relates to a mobile payment method, system and device adapted for transmission using an applicable payment device, without need for direct user input of OTP (One Time Password) information based on payment-means information chosen by the user in the process of executing a mobile payment using a terminal, and adapted to allow the execution of more secure payments through verification in accordance with the selected payment means.

1 . A mobile payment system comprising:
 a mobile payment apparatus which, when payment request information is received, receives payment method information and one-time password (OTP) information corresponding to the payment method information from at least one of a terminal, a user terminal, and a home shopping providing apparatus depending on purchase method selection information and, when the OTP information is authenticated using at least one of a telecommunication company apparatus and a card company apparatus, performs payment processing for the payment request information; and   the home shopping providing apparatus which transmits the OTP information, generated through a voice call between the terminal and a counselor terminal, and the OTP information, generated using a dual tone multi frequency (DTMF) input from the terminal, to the mobile payment apparatus.   
     
     
         2 . The mobile payment system of  claim 1 , wherein the home shopping providing apparatus comprises:
 a voice call providing unit which transmits the OTP information generated through the voice call between the terminal and the counselor terminal to the mobile payment apparatus;   an automatic response providing unit which transmits the OTP information, generated using the DTMF input from the terminal, to the mobile payment apparatus;   a web providing unit which transmits the OTP information received from the user terminal to the mobile payment apparatus; and   a payment gateway (PG) which links to the mobile payment apparatus based on the payment request information.   
     
     
         3 . The mobile payment system of  claim 1 , further comprising the terminal which transmits at least one of the payment request information, the payment method information including credit card information or phone bill information, the OTP information corresponding to the credit card information, and the OTP information corresponding to the phone bill information to the mobile payment apparatus, receives payment completion information from the mobile payment apparatus, and displays the received information. 
     
     
         4 . A mobile payment apparatus comprising:
 a payment information reception unit which receives payment request information depending on purchase method selection information for a specific commodity or payment request information for an accessed terminal from a home shopping providing apparatus;   an OTP information reception unit which receives one-time password (OTP) information from at least one of the home shopping providing apparatus, a terminal, and a user terminal;   a payment method synchronization unit which receives payment method information from the terminal and synchronizes the received information depending on the purchase method selection information;   an OTP information authentication unit which receives OTP information corresponding to the payment method information from the OTP information reception unit and authenticates the OTP information using at least one of a telecommunication company apparatus and a card company apparatus; and   a payment authorization unit which, when the OTP information is authenticated, transmits a transaction authorization request signal for the synchronized payment method information to the telecommunication company apparatus or the card company apparatus, receives a transaction authorization response signal corresponding to the transaction authorization request signal, and transmits a payment information verification completion signal to the home shopping providing apparatus.   
     
     
         5 . The mobile payment apparatus of  claim 4 , wherein the OTP information reception unit comprises:
 a voice reception unit which is connected to a voice call providing unit of the home shopping providing apparatus;   an automatic response reception unit which is connected to an automatic response providing unit of the home shopping providing apparatus; and   a web reception unit which is connected to a web providing unit of the home shopping providing apparatus.   
     
     
         6 . The mobile payment apparatus of  claim 5 , wherein the voice reception unit receives the OTP information, generated based on information on a voice call between the terminal and a counselor terminal, from the voice call providing unit. 
     
     
         7 . The mobile payment apparatus of  claim 5 , wherein the automatic response reception unit receives the OTP information, generated using a dual tone multi frequency (DTMF) input from the terminal, from the automatic response providing unit. 
     
     
         8 . The mobile payment apparatus of  claim 5 , wherein the web reception unit receives the OTP information from the user terminal connected to the web providing unit. 
     
     
         9 . The mobile payment apparatus of  claim 5 , wherein the OTP information reception unit receives identification information on the terminal depending on the purchase method selection information from at least one of the voice call providing unit, the automatic response providing unit, and the web providing unit. 
     
     
         10 . The mobile payment apparatus of  claim 9 , wherein the identification information comprises at least one of phone number information, mobile directory number (MDN), and electronic serial number (ESN. 
     
     
         11 . The mobile payment apparatus of  claim 4 , wherein the OTP information authentication unit identifies the synchronized payment method information, and when the payment method information is credit card information, authenticates the OTP information using a card company OTP providing apparatus connected to the card company apparatus by transmitting an OTP authentication request signal to the card company OTP providing apparatus and receiving an OTP authentication response signal corresponding to the OTP authentication request signal. 
     
     
         12 . The mobile payment apparatus of  claim 11 , wherein when the OTP information corresponding to the credit card information is generated, the OTP information authentication unit identifies telecommunication company member information on the terminal using the telecommunication company apparatus. 
     
     
         13 . The mobile payment apparatus of  claim 12 , wherein when the telecommunication company member information is identified as an authorized member, the payment authorization unit transmits an authorization request signal for a mobile payment to a value-added communication network (VAN) and receives an authorization response signal corresponding to the authorization request signal from the value-added communication network. 
     
     
         14 . The mobile payment apparatus of  claim 12 , wherein the OTP information authentication unit identifies at least one of phone number information, mobile payment application ID information, name information, and service subscription information to identify the telecommunication company member state. 
     
     
         15 . The mobile payment apparatus of  claim 4 , wherein the OTP information authentication unit identifies the synchronized payment method information, and when the payment method information is phone bill information, authenticates the OTP information using a telecommunication company OTP providing apparatus connected to the telecommunication company apparatus by transmitting an OTP authentication request signal to the telecommunication company OTP providing apparatus and receiving an OTP authentication response signal corresponding to the OTP authentication request signal. 
     
     
         16 . The mobile payment apparatus of  claim 15 , wherein when the OTP information for the phone bill information is authenticated, the payment authorization unit transmits the transaction authorization request signal for the phone bill information to the home shopping providing apparatus. 
     
     
         17 . The mobile payment apparatus of  claim 16 , wherein the payment authorization unit receives the transaction authorization response signal corresponding to the transaction authorization request signal from a phone bill agency apparatus connected to the home shopping providing apparatus. 
     
     
         18 . The mobile payment apparatus of  claim 17 , wherein the payment authorization unit performs black list (B/L) verification for the transaction authorization request signal through the phone bill agency apparatus, and when the B/L verification is completed, receives the transaction authorization response signal corresponding to the transaction authorization request signal from the phone bill agency apparatus. 
     
     
         19 . The mobile payment apparatus of  claim 4 , wherein when the synchronized payment method information is credit card information, the payment authorization unit transmits the transaction authorization request signal including at least one of card nickname information, virtual card number information, and the OTP information to the card company apparatus and receives the transaction authorization response signal corresponding to the transaction authorization request signal from the card company apparatus. 
     
     
         20 . The mobile payment apparatus of  claim 4 , further comprising a message transmission unit which transmits a push message for executing a mobile payment application to a terminal having identification information, wherein the push message includes at least one message based on short message service (SMS), multimedia message service (MMS), and Internet protocol (IP).