KR100793426B1 - The Method for Providing Credit Card Usage List Using by Multimedia Message Service - Google Patents

Abstract

The present invention relates to a method for providing a credit card usage bill, and more particularly, to a method for providing a credit card usage bill using a multimedia mail service message. In the method of providing a credit card billing statement using an MMS message, a method of providing a bill of credit card billing in a mobile carrier server, comprising: (a) receiving credit card billing information of a user from a credit card billing company server for each period; b) accessing the mobile operator AAA server using the credit card usage information for each period to check the user's mobile service usage information, and (c) using the user's mobile service usage information to correspond to the credit card usage information. Generating an MMS message, (d) informing an incoming call of the MMS message to the user's terminal, (e) receiving a response signal corresponding to the incoming call from the user's terminal, and receiving the generated MMS message. And transmitting to the user's terminal.

Credit Card Usage, Multimedia Mail Service

Description

The Method for Providing Credit Card Usage List Using by Multimedia Message Service}

Figure 1 is a simplified block diagram showing a system for providing a bill of credit card history using MMS in an embodiment of the present invention.

2 and 3 are flowcharts illustrating a method for providing a credit card usage bill using an MMS message according to an exemplary embodiment of the present invention.

4A and 4B are exemplary screens showing credit card usage bill information displayed on a mobile communication terminal.

5A and 5B are diagrams for explaining access to a merchant-related web site through a credit card usage bill MMS message displayed on a mobile communication terminal 170;

<Description of the symbols for the main parts of the drawings>

Electronic banking system: 110 Mobile service provider server: 120

MMS Server: 130 MMSC: 140

Mobile switching center: 150 Wireless access network: 160

Mobile terminal: 170

The present invention relates to a method for providing a credit card usage bill, and more particularly, to a method for providing a credit card usage bill using a multimedia message service (hereinafter referred to as MMS) message.

Recently, mobile communication terminals that can use MMS messages have started to spread, and as well as images, videos, music files, etc. can be transmitted along with text messages. It is now possible to communicate data using MMS messages such as mail.

On the other hand, for the security and safe use of the credit card using a short message using the additional service for notifying the credit card payment details to the mobile terminal of the credit card user is widely used. When a user makes a payment with a specific credit card, the user sends the user's mobile terminal to the user's mobile terminal by sending the user's payment details, payment time, and information about the merchant that the user paid for the purpose of checking the payment. This service informs you of credit card usage. In general, such a credit card payment notification service is transmitted using a short message service (SMS) service. The credit card payment notification service is also used to notify the user of the credit card payment amount to be paid in advance.

Currently, the credit card company provides subscribers with SMS messages that inform the subscribers of the total amount used before payment. However, the credit card payment notification service performed on the credit card settlement date of the month simply includes information about when, where and how much the user pays in the month. Therefore, if the user does not keep the SMS message received from the credit card company until the end of the month, the user may not be able to accurately understand the usage of the credit card that he paid. There is a difficulty to apply for the card company's homepage, ARS call center or fax.

In addition, the credit card payment notification service that is notified using an SMS message simply describes the name and address of the affiliated store, and the user cannot use the mobile terminal to access the affiliated site and perform data communication. There was this.

The present invention has been made in order to solve the problems of the prior art as described above, even if the user does not store the SMS message received from the credit card company until the end of the month after the payment by using the credit card to confirm this The purpose of the present invention is to provide a method of providing an invoice for credit card usage history using an MMS message which can accurately grasp the payment history of the credit card and the usage fee for each period.

It is another object of the present invention to include affiliate store URL (Uniform Resource Locator) information in each store information included in an MMS message of a credit card usage bill and access a merchant store related site by selecting a merchant used by a mobile terminal. It is to provide a bill providing method for credit card usage history using MMS message.

In addition, another object of the present invention is that the credit card user receives the billing MMS message for the credit card usage history for each period and returns a receipt or read confirmation message to receive the credit card usage bill or credit card usage bill e-mail of the credit card The purpose of the present invention is to provide a method of providing an invoice for credit card usage using a replaceable MMS message.

Other objects of the present invention will be readily understood through the following description.

According to an aspect of the present invention for achieving the above object, a method for providing a credit card billing statement using an MMS message in the method for providing a bill of credit card billing in the mobile carrier server, (a) credit card company server Receiving the user's credit card usage information for each period from (b) confirming the user's mobile communication service usage information by accessing a mobile carrier AAA server using the credit card usage information for each period, and (c) Generating an MMS message corresponding to the credit card usage information by using the user's mobile communication service usage information; (d) informing the user's terminal of an incoming call of the MMS message; Receive a response signal corresponding to the incoming call from the terminal, and forwards the MMS message to the terminal of the user It may include the step of sending.

Here, the user's mobile communication service usage information of step (b) may be authentication information of the user or mobile communication terminal information of the user.

Here, the step (c) may be to generate the MMS message by receiving the credit card statement information in a text file, converting the format into an MMS message format.

Here, the mobile telecommunication company server may include an MMS server for generating the MMS message by converting the credit card usage information.

In addition, the MMS message incoming call of step (d) may include a user authentication request message and receive a corresponding authentication message from the user terminal.

In addition, the MMS message may include one or more URL information. When the MMS message includes a plurality of URL information, a user may select an individual URL and access a corresponding web site.

In addition, the MMS message may include a credit card number, payment date, payment amount and merchant information. Here, the affiliated store information of the MMS message may include one or more affiliated store URL information, and when the MMS message includes a plurality of affiliated store URL information, the individual affiliated store URL is selected at a user's terminal and the corresponding affiliated store web site is selected. I can connect it.

The credit card company server may further include transmitting the MMS message to the terminal of the user and receiving a corresponding reception or read confirmation message.

As the invention allows for various changes and numerous embodiments, particular embodiments will be illustrated in the drawings and described in detail in the written description. However, this is not intended to limit the present invention to specific embodiments, it should be understood to include all modifications, equivalents, and substitutes included in the spirit and scope of the present invention. In describing the drawings, similar reference numerals are used for similar elements.

Terms including ordinal numbers such as first and second may be used to describe various components, but the components are not limited by the terms. The terms are used only for the purpose of distinguishing one component from another. For example, without departing from the scope of the present invention, the first component may be referred to as the second component, and similarly, the second component may also be referred to as the first component. The term and / or includes a combination of a plurality of related items or any item of a plurality of related items.

When a component is said to be "connected" or "connected" to another component, it may be directly connected to or connected to that other component, but other components may be present in the middle. It should be understood. On the other hand, when a component is said to be "directly connected" or "directly connected" to another component, it should be understood that there is no other component in between.

The terminology used herein is for the purpose of describing particular example embodiments only and is not intended to be limiting of the present invention. Singular expressions include plural expressions unless the context clearly indicates otherwise. In this application, the terms "comprise" or "have" are intended to indicate that there is a feature, number, step, operation, component, part, or combination thereof described in the specification, and one or more other features. It is to be understood that the present invention does not exclude the possibility of the presence or the addition of numbers, steps, operations, components, components, or a combination thereof.

Unless defined otherwise, all terms used herein, including technical or scientific terms, have the same meaning as commonly understood by one of ordinary skill in the art. Terms such as those defined in the commonly used dictionaries should be construed as having meanings consistent with the meanings in the context of the related art and shall not be construed in ideal or excessively formal meanings unless expressly defined in this application. Do not.

Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings, and the same or corresponding components will be denoted by the same reference numerals regardless of the reference numerals and redundant description thereof will be omitted. In the following description of the present invention, when it is determined that the detailed description of the related known technology may obscure the gist of the present invention, the detailed description thereof will be omitted.

The mobile communication terminal according to the present invention can be applied to a digital communication device capable of wired / wireless communication and MMS service. For example, the present invention can be used in various digital communication devices such as a mobile phone, a portable digital assistant (PDA), a portable multimedia player (PMP), a digital TV, and a computer. However, the following description will focus on the mobile phone of the digital communication device.

1 is a block diagram schematically showing a system for providing a bill of credit card usage using an MMS message according to an embodiment of the present invention.

Referring to FIG. 1, a system for providing a bill of credit card usage information using an MMS message according to a preferred embodiment of the present invention includes an electronic banking system 110 composed of a plurality of credit card companies and a bill of credit card history using an MMS message. Mobile service provider server 120, MMS server 130, Multimedia Message Service Center (hereinafter referred to as MMSC) 140, SMS server 135, SMSC (Short Message Service Center) for transmitting the 145, Mobile Service Center (MSC) 150, Radio Access Network (RAN) 160, and mobile communication of credit card users for receiving credit card usage invoices using MMS messages Terminal 170 is included. In addition, the provision system according to the present invention may further include other components (for example, MMS format conversion server, etc.) according to the required function.

The electronic banking system 110 is a system for supporting various remote financial services such as credit card payment, home banking, and electronic commerce, and includes a plurality of credit card companies 112 and 114, a bank (not shown), and a second. A financial institution (not shown) is a comprehensive financial network connected by a network. Accordingly, the mobile telecommunication operator server 120 receives a user confirmation request signal and credit card usage bill information for the credit card user from the electronic banking system 110, and receives or reads a credit card usage bill MMS message from the user. The acknowledgment message can be received and sent to the credit card company by the electronic financial system.

The mobile telecommunication service provider server 120 first receives a user confirmation request signal from the electronic banking system 110 to determine whether the user subscribes to a mobile communication service and information on the mobile communication terminal of the user (AAA) (Authentication, Authorization, Accounting) server ( 125). Here, the mobile communication terminal information may be the number and model information of the user's mobile communication terminal. As a result of determination, if the user is subscribed to the mobile communication service and the mobile communication terminal of the user is the terminal capable of receiving the MMS message, the credit card usage bill information of the user is transmitted to the MMS server 130. Here, the credit card usage bill information transmitted from the electronic banking system 110 includes payment date, payment amount, credit card number, authorization number, merchant name, merchant address and affiliated URL information, and personal information of the owner of the credit card. Included. If the user is a user subscribed to the mobile communication service and the mobile communication terminal of the user is a terminal that can not receive the MMS message, the SMS server 135 generates a text message indicating that the credit card usage bill message has been received. Text message is sent to the mobile communication terminal of the user through SMSC. In such a case, in order to check the corresponding user who has received the credit card usage bill message, the user may randomly access an additional service such as Magic N and check the credit card history bill message. Here, it is apparent that the credit card usage invoice message checked by the additional service may be in the form of a text file, and its format may vary according to the additional service system.

In addition, the mobile telecommunication service provider server 120 may operate a wired / wireless website for processing a service subscription request of a user who wants to use a credit card usage bill providing service using an MMS message according to an embodiment of the present invention. Of course, it is apparent that not only the mobile service provider server 120 but also the server of each credit card company 112 and 114 may process a service subscription request while operating a website. A wired website processes a service subscription made through a wired internet network using a personal computer (PC), and a wireless website processes a service subscription made through a wireless internet network using a mobile communication terminal. To this end, the wired website may include a plurality of web pages created based on the HyperText Markup Language (HTML), and the wireless website may include a plurality of web pages created based on the Wireless Markup Language (WML). .

The MMS server 130 receives the user's credit card usage bill information from the mobile service provider server 120 and converts the format into an MMS message format to generate an MMS message. The MMS server 130 may include a separate format conversion server (not shown) for format conversion of the credit card usage bill information of the user from the mobile service provider server 120 to an MMS message. Here, the credit card usage bill information from the mobile service provider server 120 includes a payment date, a payment amount, a credit card number, an authorization number, an affiliate store name, and an affiliate store address, and each affiliate store URL information is included in each affiliate store address. Included. The MMS server 130 may include URL information associated with each affiliate in each affiliate store address so that a user can generate a credit card billing statement MMS message using the mobile terminal 170 to access the affiliate website. have. In addition, the MMS server 130 receives the MMS message transmission request signal from the mobile operator server 120, and before transmitting the MMS message of the credit card billing statement, MMS authentication request signal for the MMSC (140) ) Is transmitted to the mobile communication terminal 110 of the user. Here, in the MMS authentication request signal, the user inputs a part of the user's social security number or the password entered when subscribing to the credit card usage bill providing service in order to use the credit card history bill providing service through the MMS message. It may be configured to carry the input response signal. The MMS server 130 receives an authentication message corresponding to the MMS authentication request signal from the mobile communication terminal 110 of the user and authenticates whether or not the service provider. If the corresponding user, the MMS server (MMSC) 140).

The MMSC 140 receives the user's credit card billing statement MMS message from the MMS server 130 and transmits it to the mobile switching center 250. In addition, the MMSC 140 may receive a read or read confirmation signal transmitted from the mobile communication terminal 170 through the wireless access network 160 and the mobile switching center 150 and transmit the received or read confirmation signal to the mobile service provider server 220.

The mobile switching center 150 performs basic and additional service processing, incoming and outgoing call processing of subscribers, location registration and handoff procedures, and interworking with other networks. The mobile switching center 150 of the IS-95 A / B / C system includes an access switching subsystem (ASS) that performs distributed call processing, an interconnection network subsystem (INS) that performs centralized call processing, operation and maintenance. It may include a subsystem such as a Central Control Subsystem (CCS) that is in charge of the centralization function, and a Location Registration Subsystem (LRS) that performs a function of storing and managing information on a mobile subscriber. The mobile switching center 150 also relays the MMS message between the MMSC 140 and the radio access network 160.

The wireless access network 160 serves to guarantee the mobility of the mobile communication terminal 170, and performs handoff and wireless support management functions. The radio access network 160 may include a base station transmitter and a base station controller, and may support both synchronous and asynchronous. Here, in the case of synchronous, the base station transmitter will be a base transceiver station (BTS), the base station controller will be a base station controller (BSC), in the case of asynchronous, the base station transmitter is a radio transceiver subsystem (RTS), and the base station controller is a radio network (RNC). Controller). Of course, the wireless access network 260 according to the embodiment of the present invention is not limited thereto, and it is obvious that the access network of the GSM network and the fourth generation mobile communication system to be implemented in the future is not limited thereto.

The mobile communication terminal 170 receives and displays a credit card usage bill MMS message transmitted from the MMS server 130 through a mobile communication network. The MMS message displayed on the liquid crystal display (LCD) screen of the mobile communication terminal 170 may include information such as a payment date, a payment amount, a credit card number, an authorization number, an affiliate store name, and an affiliate store address. In addition, each merchant address may include respective merchant related URLs. When a user receives an MMS message including a credit card bill, the user accesses an Internet access service using each merchant related URL included in the MMS message. This allows you to access merchant-related sites. In addition, when the user selects and inputs each merchant address by operating a key of the mobile communication terminal, the user can automatically access the affiliated site related to the Internet service connection, for example, the MagicN service.

In addition, the mobile communication terminal 170 generates a receipt or read confirmation signal of the credit card usage bill according to the input key value and transmits it to the mobile service provider server 120 through the mobile communication network. The mobile telecommunication service provider server 120 receiving the received or read confirmation signal from the mobile communication terminal 170 transmits the received or read confirmation signal to the corresponding credit card companies 112 and 114 of the electronic financial system 110. The credit card companies 112 and 114 that have received the reception or read confirmation signal may check whether the MMS message of the credit card usage bill is received by the reception or read confirmation signal.

The mobile communication terminal 110 includes a cellular phone, a personal communication service (PCS) phone, a hand-held PC, a global system for mobile (GSM) phone, a wideband CDMA (W-CDMA) phone, and a CDMA-2000 phone. And MBS (Mobile Broadband System) phones, and the like, and may include similar communication devices developed in the future.

2 and 3 are flowcharts illustrating a method for providing a credit card usage bill using an MMS message according to an exemplary embodiment of the present invention.

2 and 3, the mobile telecommunication company server 120 receives credit card usage bill information and a user confirmation request signal for a corresponding period from credit card companies 112 and 114 of the electronic banking system 110 ( S301). In this case, the billing information may include a payment date, a payment amount, a credit card number, an authorization number, a merchant name, a merchant address, an affiliate URL, and personal information of the owner of the credit card. The affiliated store-related URL information may be homepage address information of the affiliated store's web or homepage address information associated with the affiliated store.

When the mobile telecommunication company server 120 receives the credit card usage bill information and the user confirmation request signal from the electronic financial system 110, the mobile telecommunication company AAA server determines whether the credit card user is the mobile telecommunication subscriber and if the user is the subscriber. Receives mobile communication terminal information (S302). Here, the mobile communication terminal information may be the number and model information of the user's mobile communication terminal. The reason for the user to check the information on the model of the mobile communication terminal 170 is to ensure that the user's mobile communication terminal 170 can use the MMS service to provide the service according to the present invention, This is because if the user's mobile communication terminal 170 is a terminal that cannot use the MMS service, the credit card usage bill message should be transmitted to the user in text format using another method, for example, an SMS service. In addition, the mobile carrier server 120 receives the user's mobile terminal information for the AAA server to check the user authentication and mobile terminal information, if the user is a subscriber of the credit card billing service provided for each period to be. If the user provides the user with the credit card usage bill for each period regardless of the service for providing the credit card usage bill for the period, the user can request the confirmation process as described above by searching the stored subscriber database for the mobile terminal information. Is self-explanatory.

Check whether the credit card user is a mobile communication service subscriber and the user's mobile communication terminal information (S303). If the user is a mobile communication service subscriber, the mobile communication terminal 170 of the user can receive an MMS message. In this case, the mobile telecommunication company server 120 transmits the credit card usage bill information and the MMS message generation request signal to the MMS server 130 (S304). The MMS server 130 receives the credit card usage bill information and generates a corresponding MMS message. For example, the credit card usage bill information may be a text file, and the MMS message may be an image file whose format and color are changed in the text file. The format of the generated MMS message can be set in advance by the credit card company, it is obvious that the mobile communication provider can be set in advance for the service to provide credit card billing service.

If the mobile communication terminal 170 of the user cannot receive the MMS message, the mobile communication provider transmits an SMS message generation request signal to the SMS server 135 to provide an additional mobile communication service such as Magic N. You can check the generated MMS message. In this case, the MMS server 130 may transmit the generated MMS message to a server (not shown) for the additional service.

The MMS server 130 transmits the generated MMS message to the mobile communication terminal 170 of the user through the MMSC 140. Here, the MMSC 140 transmits an incoming notification message notifying the receipt of the generated credit card usage bill MMS message to the user's mobile communication terminal 170 as a short message through the SMSC 145, and receives the received mobile communication. The terminal 170 determines whether to receive the credit card usage bill MMS message generated by the user's key operation (S305). When a user receives a credit card billing MMS message by operating a key of a mobile terminal, a callback is made to the credit card billing MMS message so that a receipt or read confirmation message is automatically returned by the user's key operation. URL may be included. In this case, the received or read confirmation message is transmitted from the mobile service provider server 120 to the corresponding credit card companies 112 and 114 through the MMSC 140 so that the mobile service provider or the corresponding credit card company receives the credit card usage bill information. It can be confirmed that it is delivered to (S306).

In addition, the MMS server 130 may transmit the MMS authentication request signal to the mobile communication terminal 170 of the user through the MMSC 140 for the user authentication before transmitting the credit card usage bill MMS message. Here, the MMS authentication request signal, when the user uses the credit card history bill providing service through the MMS message, if the service is provided through a part of the user's social security number or credit card history bill service for user authentication It may be configured to return the authentication message input the password entered at the time of service subscription. The MMS server 130 receives an authentication message corresponding to the MMS authentication request signal from the mobile communication terminal 170 of the user and authenticates whether or not the service provider. If the corresponding user, the MMS server 140 generates an MMS message of the generated credit card usage bill MMS message. ) Can be sent.

4A is an example screen showing credit card usage bill information displayed on the mobile communication terminal 170, and FIG. 4B is an example screen showing usage history information on the mobile communication terminal 170. Referring to FIGS. 4A and 4B, FIG. As can be seen, the credit card usage information is displayed on the mobile communication terminal 170 for each month. The credit card usage information displayed includes credit card number, payment amount, payment date, merchant name and merchant address. Here, the affiliated store address may include affiliated store related URL information. It is obvious that the design of the MMS message displayed on the credit card usage bill displayed may be changed by the credit card company or the mobile service provider providing the service, and the image may be further added, such as a company log. The user may select a usage history that the user wants to check by operating a direction key of the mobile communication terminal 170, and may more specifically confirm information on the selected usage history. The user can check the total amount of the credit card usage amount through the displayed credit card usage information. When the user checks the monthly displayed credit card billing statement MMS message, the mobile terminal 170 is associated with a separate credit card billing so that the received or confirmation message is returned so that the carrier or credit card company can check. The program can be stored.

5A and 5B are diagrams for explaining access to a merchant-related web site through a credit card usage bill MMS message displayed on the mobile communication terminal 170.

5A and 5B, when the affiliated store address is selected, the mobile communication terminal 170 displays information for confirming access to the affiliated store homepage. 'OK' and 'Cancel' buttons are provided to receive input of whether the user of the mobile communication terminal 170 is connected. Accordingly, when the user selects the confirmation button, the user transmits a signal for accessing the affiliate store site using the Internet service to the mobile communication network, and when the cancel button is selected, the credit card usage information is displayed again as shown in FIG. 4B.

If the user selects the OK button, the affiliated homepage is displayed on the mobile communication terminal 170 as shown in FIG. 5B. By connecting the user to the affiliated homepage, for example, the reservation information, the event information and the coupon information can be known, and credit points can also be used for use. In addition, for example, by downloading an electronic coupon or electronic money, etc. from the affiliated homepage can be used when using the merchant.

As described above, the bill providing method for the credit card usage history using the MMS message according to the present invention after the user pays the bill using the credit card, the SMS message received from the credit card company to confirm this until the end of the month Even if it is not stored, it is possible to accurately grasp the usage history of the credit card for each period and the usage price for each period.

In addition, the present invention has an effect that the subscriber can select the affiliated store using the mobile communication terminal to access the affiliated store-related sites by including the affiliated store URL information in the affiliated store information included in the MMS message of the credit card usage statement.

In addition, the present invention can replace the credit card usage bill or credit card billing bill e-mail of the credit card by the credit card user receives the billing MMS message for the period credit card history and returns a receipt or read confirmation message It has an effect.

Although the above has been described with reference to a preferred embodiment of the present invention, those skilled in the art to which the present invention pertains without departing from the spirit and scope of the present invention as set forth in the claims below It will be appreciated that modifications and variations can be made.

Claims (11)

A method for providing a billing statement MMS message of a credit card in a mobile carrier server, (a) receiving the credit card usage information of the user in a text form from a credit card company server; (b) checking whether the terminal of the user is a terminal capable of using an MMS service; (c) generating a MMS message corresponding to the credit card usage information by using the mobile communication service usage information of the user when the terminal can use the MMS service as a result of the checking, wherein the MMS message is At least one internet access URL information corresponding to the card use merchant; (d) informing the user terminal of an incoming call of the MMS message; (e) receiving a response signal corresponding to the incoming call from the user's terminal and transmitting the MMS message to the user's terminal; Including, but checking whether the credit card usage information is received by using a specific URL access request signal corresponding to the affiliated store from the user terminal. delete delete delete The method of claim 1 The response signal includes any one of a pre-registered password and a social security number as authentication information required for user authentication. When the user authentication is successful using the authentication information, the MMS message is transmitted to the user's terminal. Method of providing a credit card bill using the MMS message. delete delete The method of claim 1, The MMS message further comprises at least one of a credit card number, credit card usage period, authorization number, payment date and time, payment amount and merchant name. delete delete The method of claim 1, After step (e), Receiving a read confirmation message corresponding to the transmitted MMS message from the user terminal further comprising, using the read confirmation message to confirm whether or not to read the MMS message, characterized in that using the MMS message How to provide a credit card bill.

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