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1. 发明授权

US08180686B2 Multi-step authentication-based electronic payment method using mobile terminal 有权
标题翻译：使用移动终端的基于多步认证的电子支付方式
公开(公告)号：US08180686B2
公开(公告)日：2012-05-15
申请号：US12614227
申请日：2009-11-06
申请人： Gung-seon Ryu , Jung-wook Shin , Su-jin Lim
发明人： Gung-seon Ryu , Jung-wook Shin , Su-jin Lim
IPC分类号： G06Q30/00
CPC分类号： G06Q30/00 , G06Q20/32 , G06Q20/385 , G06Q20/40 , G06Q30/0609 , G06Q30/0635 , G06Q30/0637 , H04L9/3228 , H04L63/0838 , H04L2209/56 , H04L2209/80 , H04W12/06
摘要： Disclosed herein is a multi-step authentication-based electronic payment method using a mobile terminal. Order request information of a product is sequentially transmitted to an affiliated store server and a PG company server, and the product and a relevant affiliated store are verified. A mobile communication company server primarily authenticates the user, and the PG company server generates an OTP. The OTP is transmitted to allow the PG company server to secondarily authenticate the user using the OTP. The affiliated store server requests the PG company server to confirm information about a payment for the product and information about authentication of the user, and the PG company server confirms payment and authentication information. The affiliated store server requests the PG company server to process payment for the product, the PG company server requests the mobile communication company server to process payment, and the mobile communication company server processes requested payment.
摘要翻译：本文公开了使用移动终端的基于多步骤认证的电子支付方法。产品的订单请求信息被顺序地发送到附属的商店服务器和PG公司服务器，并且产品和相关的附属商店被验证。移动通信公司服务器主要认证用户，PG公司服务器生成OTP。发送OTP以允许PG公司服务器使用OTP二次认证用户。附属店服务器要求PG公司服务器确认产品付款信息和用户认证信息，PG公司服务器确认付款和认证信息。附属店服务器要求PG公司服务器处理产品的付款，PG公司服务器请求移动通信公司服务器处理付款，移动通信公司服务器处理所请求的付款。

2. 发明申请

US20110082767A1 Multi-Step Authentication-Based Electronic Payment Method Using Mobile Terminal 有权
标题翻译：基于移动终端的多步验证电子支付方式
公开(公告)号：US20110082767A1
公开(公告)日：2011-04-07
申请号：US12614227
申请日：2009-11-06
申请人： Gung-seon Ryu , Jung-wook Shin , Su-jin Lim
发明人： Gung-seon Ryu , Jung-wook Shin , Su-jin Lim
IPC分类号： G06Q30/00 , G06Q20/00 , H04L9/32 , G06F21/00
CPC分类号： G06Q30/00 , G06Q20/32 , G06Q20/385 , G06Q20/40 , G06Q30/0609 , G06Q30/0635 , G06Q30/0637 , H04L9/3228 , H04L63/0838 , H04L2209/56 , H04L2209/80 , H04W12/06
摘要： Disclosed herein is a multi-step authentication-based electronic payment method using a mobile terminal. Order request information of a product is sequentially transmitted to an affiliated store server and a PG company server, and the product and a relevant affiliated store are verified. A mobile communication company server primarily authenticates the user, and the PG company server generates an OTP. The OTP is transmitted to allow the PG company server to secondarily authenticate the user using the OTP. The affiliated store server requests the PG company server to confirm information about a payment for the product and to information about authentication of the user, and the PG company server confirms payment and authentication information. The affiliated store server requests the PG company server to process payment for the product, the PG company server requests the mobile communication company server to process payment, and the mobile communication company server processes requested payment.
摘要翻译：本文公开了使用移动终端的基于多步骤认证的电子支付方法。产品的订单请求信息被顺序地发送到附属的商店服务器和PG公司服务器，并且产品和相关的附属商店被验证。移动通信公司服务器主要认证用户，PG公司服务器生成OTP。发送OTP以允许PG公司服务器使用OTP二次认证用户。附属店服务器要求PG公司服务器确认有关产品付款的信息以及关于用户认证的信息，PG公司服务器确认付款和认证信息。附属店服务器要求PG公司服务器处理产品的付款，PG公司服务器请求移动通信公司服务器处理付款，移动通信公司服务器处理所请求的付款。

3. 发明授权

US08352329B2 Method and system for providing international electronic payment service using mobile phone authentication 有权
标题翻译：使用手机认证提供国际电子支付服务的方法和系统
公开(公告)号：US08352329B2
公开(公告)日：2013-01-08
申请号：US12642002
申请日：2009-12-18
申请人： Gung-seon Ryu , Ik-seon Ryu
发明人： Gung-seon Ryu , Ik-seon Ryu
IPC分类号： G06Q30/00
CPC分类号： H04L63/0838 , G06Q20/32 , G06Q20/322 , G06Q20/3255 , H04L63/18
摘要： Disclosed herein is a method and system for providing an international electronic payment service using mobile phone authentication. A payment method using an IPN server is selected, and results of verification of the product are relayed to a PG company server in a first country “A.” A user in country A enters primary authentication information, and a mobile communication company server performs primary authentication. The mobile phone of the user is then notified of an OTP, and the PG company server in country A receives the OTP and performs secondary authentication. The IPN server vicariously processes a payment between the PG company server and the mobile communication company server, and notifies a PG company server in a second country “B” of results of payment. The mobile communication company server sends paid money to the PG company server in country A, and the PG company server gives money corresponding to product price to the seller.
摘要翻译：本文公开了一种使用移动电话认证来提供国际电子支付服务的方法和系统。选择使用IPN服务器的支付方式，将产品验证结果中继到第一国家的PG公司服务器A.国家A中的用户输入主验证信息，移动通信公司服务器执行主验证。然后用户的手机通知OTP，国家A的PG公司服务器接收OTP，并进行二次认证。 IPN服务器代理处理PG公司服务器和移动通信公司服务器之间的支付，并通知第二国B的PG公司服务器的付款结果。移动通信公司服务器向国家A的PG公司服务器发送付款，PG公司服务器向卖方提供与产品价格相对应的钱。

4. 发明申请

US20110065418A1 Method and System for Providing International Electronic Payment Service Using Mobile Phone Authentication 有权
标题翻译：使用手机认证提供国际电子支付服务的方法和系统
公开(公告)号：US20110065418A1
公开(公告)日：2011-03-17
申请号：US12642002
申请日：2009-12-18
申请人： Gung-seon Ryu , Ik-seon Ryu
发明人： Gung-seon Ryu , Ik-seon Ryu
IPC分类号： H04M1/66 , H04M3/42
CPC分类号： H04L63/0838 , G06Q20/32 , G06Q20/322 , G06Q20/3255 , H04L63/18
摘要： Disclosed herein is a method and system for providing an international electronic payment service using mobile phone authentication. A payment method using an IPN server is selected, and results of verification of the product are relayed to a PG company server in a first country “A.” A user in country A enters primary authentication information, and a mobile communication company server performs primary authentication. The mobile phone of the user is then notified of an OTP, and the PG company server in country A receives the OTP and performs secondary authentication. The IPN server vicariously processes a payment between the PG company server and the mobile communication company server, and notifies a PG company server in a second country “B” of results of payment. The mobile communication company server sends paid money to the PG company server in country A, and the PG company server gives money corresponding to product price to the seller.
摘要翻译：本文公开了一种使用移动电话认证来提供国际电子支付服务的方法和系统。选择使用IPN服务器的支付方式，将产品验证结果中继到第一国家的PG公司服务器“A.国家A中的用户输入主验证信息，移动通信公司服务器执行主认证。然后用户的手机通知OTP，国家A的PG公司服务器接收OTP，并进行二次认证。 IPN服务器代理处理PG公司服务器和移动通信公司服务器之间的支付，并通知第二个国家“B”付款结果的PG公司服务器。移动通信公司服务器向国家A的PG公司服务器发送付款，PG公司服务器向卖方提供与产品价格相对应的钱。

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