KR20010035027A - Internet low price payment system - Google Patents

Abstract

PURPOSE: The system for paying a small sum on the internet is provided to enable charged contents and the product of the small sum to be paid conveniently via the internet. CONSTITUTION: A customer part(20) includes a client part(20a) as a user terminal which is adapted to search and input information, and a communication terminal(20b) for transmitting and receiving a voice signal. A content providing server(22) provides the information of the charged contents requested by the client part(20a). A payment system(24) performs an authentication operation in response to the authentication request signal received from the contents providing server(22). A wired wireless communication network(26) is connected to the communication terminal(20b). An intelligent network system(28) connects the payment system(24) to the communication terminal(20b) via the network(26), and imposes fees on an incoming part.

Description

Internet micro payment system {INTERNET LOW PRICE PAYMENT SYSTEM}

The present invention relates to an Internet micropayment system, and more particularly, to an internet micropayment system that can be used by anyone, anytime, anywhere, as well as having an ease of use using a toll-free telephone and can be used even if the buyer and the payer are different. It is about.

Recently, with the rapid development of computer industry and electronic communication industry, it has been converted into graphic-based internet environment, and the world-wide web-based internet is used not only as an information warehouse in the world but also as a means of public relations of individuals and companies. .

In addition, cyber transactions using online payments are also in full swing, and a new distribution revolution is on the horizon. These cyber transactions use payment methods such as credit cards, online deposits, and electronic money.

In addition, the payment method using a wireless terminal has appeared in the Internet micropayment market more convenient than the above payment means.

However, the conventional payment method described above has the following problems.

First, the conventional online deposit method is inconvenient because the seller or the employee in charge after confirming the deposit to the seller's account number for the ordered goods, and then delivers the ordered goods to the desired position of the buyer.

Second, the credit card payment method also has the disadvantage of avoiding use because of the risk of personal information leakage as well as lack of ease of use because the personal information including the buyer's credit card number must be entered.

Third, the two methods described above are not suitable as micropayment means, and electronic money is used, but the use procedure is complicated and inconvenient, and thus cannot be activated.

Fourth, as the number of wireless communication users increased, payment methods using wireless communication terminals, which are more convenient than online payments, credit cards, and electronic money, are appearing. A user without a terminal may not be able to use it.

The present invention has been made to solve the above-mentioned problems, and an object thereof is to provide a most convenient and universal payment means for paid contents or small products sold on the Internet.

1 is a block diagram showing the conceptual flow of the Internet micropayment method of the present invention.

Figure 2 is a block diagram showing the configuration of the Internet micropayment system according to a first embodiment of the present invention.

3 is a flow chart showing the main flow of data according to the configuration of FIG.

Figure 4 is a block diagram showing the configuration of the Internet micropayment system according to a second embodiment of the present invention.

5 is a flow chart showing the main flow of data according to the configuration of FIG.

<Explanation of symbols for main parts of drawing>

10: Buyer 12: Content Provider

14: payment system 16: intelligent network

18: wired and wireless communication network 20: payer

The configuration of the present invention for achieving the above object is a client having a function of connecting to the Internet to purchase goods online; A content providing server for accessing the client through the Internet to provide pay contents; A payment system for connecting to the content providing server to perform payment processing for paid contents; An intelligent network system for efficiently connecting a communication network in the payment system; A wired and wireless communication network connected with the intelligent network to communicate with various communication service subscribers; It comprises a communication terminal owned by a payer, a customer of a telecommunications company of the wired and wireless communication network, so that it is possible to pay for paid content or products, characterized in that it provides a convenient micropayment means. The payment system further comprises a payment server for connecting with the content providing server and the client; An automatic telephone call device (ACS) for making a voice call with a communication terminal through the wired or wireless communication network; It consists of a DB for purchasing and billing to manage the purchaser's purchase information and payment information.

In addition, in the implementation method of the present invention for achieving the above object, when a purchaser requests a purchase by accessing a content providing server through a client, the content providing server requests authentication to a payment system in which cooperation with a content provider is concluded. The payment system checks the received payment phone number and password by making a request to the client, and then calls the payer who owns the communication terminal of the payment phone number through the intelligent network system and the wired / wireless communication network to request a password input according to the payment. Checking the payment intention, and if the payment intention is confirmed, by providing an authentication result to the content providing server to provide the content to the buyer, characterized in that it provides a convenient micropayment means.

In addition, the buyer using the present invention for achieving the above object comprises the steps of accessing the content providing server through a client; Requesting to purchase a product necessary for the content providing server; Inputting a payment telephone number and a password requested by the payment system; Receiving a call received at a communication terminal of the payment telephone number; Confirming a payment intention by inputting the password requested by voice through the communication terminal in the automatic telephone transmitting device; And receiving the corresponding content when the password inputted from the client and the password checked by the communication terminal are the same.

Hereinafter, the present invention will be described in detail with reference to the accompanying drawings.

1 is a flow chart showing the conceptual flow of the Internet micropayment method according to the present invention, in which a content providing site in which a purchaser 10 having a user terminal for searching and inputting predetermined information exists on the Internet. (12) and performs a purchase request for desired information among predetermined information provided from the content providing site (1). Subsequently, the content provider 12 requests authentication to the payment system 14 which performs micropayment using the telephone network (2), and the payment system requests customer confirmation to the intelligent network 16 of the telephone network. (③).

The intelligent network 16 requests a password to a communication terminal of the payer 20 through the wired / wireless communication network 18 connected to the wired / wireless communication network (④).

Accordingly, the payer 20 inputs the password requested through the wired / wireless communication network using the communication terminal (⑤).

The input password is transmitted to the intelligent network 16 through the wired / wireless communication network 18, and the intelligent network checks the identity of the customer by determining whether the received password matches the password input by the buyer.

That is, if the received password and the password input by the buyer match, it is determined that the customer is a corresponding person, and if there is a mismatch, it is determined that the corresponding customer is not the customer and transfers it to the payment system 14 (⑥).

The payment system 14 authenticates (⑦) the content provider 12 to allow the buyer to purchase predetermined information requested by the content provider (⑧).

Disclosed by the first embodiment and the second embodiment of the Internet micropayment system having such a conceptual flow in more detail, the content information provided on the Internet will be described as an example.

First embodiment

In the first embodiment, a telephone call and billing database management function is placed in a payment system.

FIG. 2 is a block diagram showing the configuration of the Internet micropayment system according to the first embodiment of the present invention, wherein the client 20a, which is a user terminal for retrieving or inputting predetermined information through the Internet, and a predetermined voice through a communication system. A customer 20 including a communication terminal 20b for transmitting and receiving a signal, a content providing server 22 providing fee-based content information requested from the client 20a, and an authentication request signal received from the content providing server. Payment system 24 for receiving and performing authentication, wired and wireless communication network 26 connected to the communication terminal and receiving a predetermined communication signal, and the payment system 28 and the customer through the wired and wireless communication network 26 It comprises an intelligent network system 28 that connects the owned communication terminal 20b and charges the called party. In addition, the payment system 24 makes a phone call to the payment server 24a that processes the authentication request of the content providing server 22, the DB server 24c that stores the purchase and payment data, and the communication terminal 20b of the customer. It consists of ACS 24b (automatic telephone call device) that performs customer confirmation.

The operation flow of the first embodiment of the present invention having such a configuration is as follows.

3 is a flowchart illustrating an operation flow of the first embodiment of the present invention. When the client 20a accesses the content providing server 22 and proceeds to a purchase request (①), the content providing server 22 Sending the purchase information to the payment system 24a and requests authentication for it (②).

Next, the payment system 24a transmits a signal for requesting a payment phone number and a password to the client 20a (③), and the client 20a transmits a payment phone number and a password to the payment system 24a. Enter (④).

When the payment system 24a requests the intelligent network system 28 to connect to the payment telephone number (⑤), the intelligent network system 28 passes through the wired / wireless communication network 26 to the communication terminal 20b of the payment telephone number. (⑥).

On the other hand, the payment system 24a requests a password to prove that the customer to the communication terminal 20b through the ACS (⑦), and the customer from the communication terminal 20b to the payment system 24a. Enter a password that can prove that it is (⑧).

Subsequently, the payment system 24a permits the requested authentication to the content providing server 22 when the input password ⑧ coincides with the password ④ input from the client (⑨), and the content providing server ( 22) provides predetermined content information requested by the customer to the client 20a (iii).

By the way, the present invention may be implemented in a different form than in the above-described first embodiment, which will be described in another embodiment.

Second embodiment

The second embodiment is a method for placing a telephone call and billing database management function in an intelligent network.

4 is a block diagram showing the configuration of a second embodiment of the present invention, which includes a client 30b searching through the Internet and inputting a communication terminal 30b for transmitting and receiving a predetermined signal to a wired / wireless communication network. ), A content providing server 32 that exchanges predetermined content information requested from the client 30a, a payment server 34a for processing predetermined payment information, and a purchase for storing purchase information through the payment server. A payment system 34 having a DB 34b, a wired / wireless communication network 36 connected to the communication terminal to exchange a predetermined communication signal, and a communication path of the wired / wireless communication network, and charging information DB and automatic And an intelligent network system 38 including a telephone transmitting device 38b.

The operation flow of the Internet micropayment system according to the second embodiment having such a configuration is as follows.

Fig. 5 is a flowchart showing the operation flow of the Internet micropayment system according to the second embodiment of the present invention. The client 30a is connected to a content providing server 32 having a predetermined Internet address on the Internet and displayed. A purchase request for predetermined content information is performed (①).

The above-described content providing server 32 transmits the purchase information and authentication request information thereof to the payment system 34 which performs authentication on the content information requested by the purchaser.

The payment system 34, which has received the authentication request information from the content providing server 32, requests the client 20a to input a phone number and a password according to the payment (③). Enter phone number and password according to (④).

The payment system 34 receiving the password transmits a phone number and a password to the intelligent network system 38 for processing predetermined incoming and outgoing calls between subscribers (⑤), and the intelligent network system 38 ) Is connected to the communication terminal 30b of the telephone number through an automatic telephone call device and requests the input of the corresponding password. (⑥)

The payment provider for the content information inputs a password to the intelligent network system 38 using his communication terminal 30b (⑦), and the intelligent network system 38 receives the password and the password received from the payment system. If the password entered by the communication terminal is matched, the payment system 34 transmits that the payment confirmation for the content information requested for purchase has been performed (⑧).

The intelligent network system 38 stores the result of the payment in the billing information DB.

The payment system 34 performs authentication on the requested product or purchase information as described above to the content providing server 32 (⑨) and stores payment information, and the content providing server 32 stores the client. Provide the requested content at 30a;

According to a preferred embodiment of the present embodiment disclosed as described above has the following advantages.

First, there is an advantage that anyone can easily purchase a small amount of content information or small products sold on the Internet anytime, anywhere.

Second, since the telephone receiver adopts a method of paying a charge (automatic collect call), there is a big advantage that the buyer and the payer may be different from each other.

Third, not only the system is simplified by using the intelligent network, but also the charging information processing is centralized, so there is an advantage to operate efficiently.

Fourth, there is an advantage that can reduce the work due to the introduction of the payment system of the content provider because it can service all wired and wireless communication service customers with one payment system.

Fifth, since the payment intention is delivered through voice calls, there is an advantage that can be used to prevent bad use, such as hacking.

Sixth, there is an advantage that the customer identification is guaranteed because the communication terminal owned by the customer determines the final purchase through the input of the password.

Claims (5)

Providing a client, a content providing server, a payment system, an intelligent network system, a wired / wireless communication network, a communication terminal, Providing a payment server, a payment DB server, and an automatic telephone call device in the payment system; Using the client to access a payment system on the Internet to perform a purchase request for the displayed goods or information; Requesting the purchase information for the product or the information and the corresponding authentication from the content providing server to the payment system; Requesting a payment telephone number and password according to the authentication from the payment system to the client; Inputting a payment telephone number and a password from the client to the payment system; Performing a connection request from the payment system to the intelligent telephone system through the automatic telephone call device to a payment telephone number; Connecting to the communication path of the payment system and the communication terminal to switch to a call state; Requesting a password from the payment system to the communication terminal through a voice call through the automatic telephone call device; Inputting the requested password using the communication terminal; Notifying, by the payment system, whether to authenticate the content providing server when the requested password and the input password coincide with each other; Providing goods or content requested by the content providing server to the client when the authentication is normally performed; Internet payment system comprising the step of storing and managing the purchase information and billing information related to payment in the payment system in the DB server. Providing a client, a content providing server, a payment system, an intelligent network system, a wired / wireless communication network, a communication terminal, Providing a billing DB server and an automatic telephone call device in the intelligent network system, accessing the content providing server from the client, and performing a purchase request for a predetermined product or information; Requesting authentication of the product or information requested for purchase from the content providing server to a payment system; Requesting a phone number and password for payment from the payment system to the client; Requesting the client to input a phone number and password according to a payment to the payment system; Requesting payment by transferring the phone number and password from the payment system to the intelligent network system; Requesting a password from the intelligent network system by connecting to the communication terminal of the phone number through the automatic telephone call device; Inputting the requested password using the communication terminal; Notifying, by the intelligent network system, whether the payment is made to the payment system; Performing authentication with the content providing server in the payment system; Providing the authenticated content information from the content providing server to the client; Storing and managing the purchase information DB server related to payment in the payment system; And storing and managing the billing information DB server related to the payment in the intelligent network system. The method according to claim 1 or 2, In the step of making a purchase request to the payment system or the intelligent network system through the client, the digital signal through the Internet network is used, and the voice signal is used in the step of confirming the customer with the automatic telephone call device and the communication terminal period. Internet micro payment system characterized by. The method according to claim 1 or 2, If the password entered by the client and the password entered at the end of the communication coincide, the payment is authenticated to the content providing server, so that the purchaser requesting the purchase and the payer confirming the purchase intention do not have to pay the same person. Internet micropayment system, characterized in that it can. The method according to claim 1 or 2, Storing and processing the DB for purchase and billing in the payment system or the intelligent network system, and transferring the billing data to a telecommunication company operating the wired / wireless telecommunication network, and paying a fee to the payer who owns the telecommunication terminal at each telecommunication company; Receiving the payment from each communication provider in the payment system operator and paying the content provider.