KR20030069310A - Multi-functional post-paid card system and its payment method - Google Patents

Abstract

PURPOSE: A system and method for a deferred payment system of a multi-function card are provided to execute a payment on the Internet and a payment with respect to a telephone call using a multi-function card which is classified into a deferred payment card having an inherent card number and a membership card. CONSTITUTION: A user connects to a deferred payment system through a telephone network using a multi-function card for a telephone call and inputs a card number(ST100). In the case that the card is a membership card, the deferred payment system judges a use of the corresponding card number using the second transaction database. In the case that the card is a deferred payment card, the deferred payment system judges a use of the corresponding card number using the first transaction database(ST110). In the case that the user calls using the multi-function card, information with respect to a call staring time is stored in the first transaction database or the second transaction database(S120). The user inputs a multi-function card number for purchasing a commodity during the telephone call(ST130). A web payment system recognizes and authenticates the inputted card number and transmits the authenticate card number(ST140). The deferred payment system authenticates a card number using the first authentication database(ST150). The deferred payment system informs that the card is busy and induces the user to execute a payment using other card(ST160). If the telephone call is terminated, a calling time completion is recorded and a calling charge is charged(ST170). In the case that the user purchases a commodity through the Internet, the web payment system induces the user to pay a price thereof(ST180).

Description

MULTI-FUNCTIONAL POST-PAID CARD SYSTEM AND ITS PAYMENT METHOD}

The present invention relates to a multi-function card postpay payment system and a payment processing method using a multi-function card that can be commonly used to pay for the purchase of a variety of goods or the use of services, and more specifically, using a PIN Allow users to use the telephone through the telephone network, access the Internet network to use the Internet, and enable users to make payments online or offline, and in the process of making payments The present invention relates to a multi-function card postpaid payment system and a postpaid payment processing method for a multi-function card that allows a user to use information supplied for a fee on a communication network such as the Internet without leaking personal information by inputting only a pin number without inputting personal information.

Recently, with the development of HTML-based web (WWW) and multimedia technologies, the number of Internet users has exploded and many applications have been developed to provide various services in a cyber space. In particular, with the emergence of various cyber shopping malls operating on the Internet, e-commerce technology has emerged as a major concern, and with this, researches on payment methods and payment systems, which are essential in electronic commerce, have been focused.

One of the most recent payment methods is a multifunctional prepaid card. Multi-function prepaid card is a prepaid card with a unique pin number. It is a card that provides various services such as long distance or overseas call, internet access, and online e-commerce service in one card after purchasing or charging a relatively small amount in advance. Means of payment. However, due to the limitation of the prepaid card, there is a problem in that it is suitable for a user who uses a relatively small amount of inconvenience and a problem of having to charge the used amount in advance.

In order to overcome this problem, operators of prepaid cards have become interested in postpaid cards. Postpaid card is a payment method as opposed to a prepaid card, which means that the billing is made at a certain time after the transaction. Operators offering multi-function services such as local or long distance, overseas phone calls, Internet access, and online e-commerce services have begun offering their own post-paid cards. A good example of this is the post paid phone card serviced by KT and DACOM. Postpaid calling cards allow users to use their phone in advance within certain limits, and the payment is withdrawn after a certain period of time from the phone number or user's account.

However, the postpaid card provided by itself has a limitation in recruiting many users due to the problem of recruiting new users by renewing the publicity. Therefore, operators who provide multifunction cards are turning their attention to postpaid cards that have already been issued and are already in circulation. Post-pay cards already in use include credit cards issued by financial institutions, including banknotes, and membership cards issued to specific members. Since the business method using the conventionally issued postpaid card is a method of absorbing all existing card users, it is expected that there will not be many difficulties in recruiting users.

The payment system currently used for multifunction cards is well suited for self-issued prepaid and postpaid cards. Self-issued prepaid and postpaid cards are all settled using a card assigned with a unique pin number, whereas the prepaid cards issued by other companies in the past have different pin numbers and systems, and each company is assigned a different scheme. The difference is that card numbers are assigned. Therefore, a system for integrating and operating this is required.

An object of the present invention was created to solve the problems of the prior art, and facilitates the payment of the post-paid card issued by the existing third-party vendors and the card assigned a pin number in use, and also the leakage of personal information. You can pay the fee for local / international / mobile / international calls only by using the card number without having to use it, and you can pay the Internet fee by allowing the user to access the Internet so that they can use the Internet anywhere. On the Internet, it can be used as a micro payment method for various paid sites and shopping malls, as an integrated payment method for paid contents and telephone information service of PC communication, etc. Can be prevented from occurring, the telephone payment system and the Internet payment system Therefore, to provide a postpaid payment system using a multi-function card to reduce the load on the telephone payment system.

In addition, another object of the present invention can be paid for the use of the city / long distance / mobile / international calls using the card number without leaking personal information, access to the Internet network so that the user can use the Internet anywhere It is possible to pay the Internet usage fee, and also to use the multi-function card which can be used as a small payment means such as various paid sites and shopping malls, and integrated payment means such as paid contents and telephone information service of PC communication on the Internet. It is to provide a postpay payment processing method.

In order to achieve the object of the present invention, a call from a first telephone to a second telephone through a telephone network using a multifunction card including a postpaid card having a unique card number and a membership card having a unique card number. A multi-function card payment system that can be used in an electronic commerce system that enables the purchase of goods from a first terminal used by a product buyer and a second terminal used by a seller of the product through a network using a card telephone system and a multi-function card that enable the service. ,

Connected to the network, and when using the multi-function card to pay the e-commerce transaction price of the e-commerce system using the card information request means for requesting the information of the multi-function card, the transaction information using the card information received by the card information request means A web payment system comprising a payment means for calculating a transaction and a payment notification means for notifying the amount of money available after the calculation; And

Connected to the telephone network and distinguishing means for distinguishing deferred and membership cards, billing database with card information on the available amount for each deferred card, transaction database with card information for the available amount for each membership card, web payment Card information transmission means for transmitting the card information for the card number corresponding to the card number in the billing database or transaction database to the web payment system by requesting the card information of the system, and requesting the information of the membership card recorded in the transaction database. Card information requesting means, payment receiving means notified of the available amount after arithmetic processing from the web payment system, and in case of using a postpaid card, updating the billing database according to the call rate by the telephone call volume of the first telephone user, and receiving payment Tablet received from the means A billing means for updating the billing database according to the present invention, and a card information transmitting means for transmitting the call charge according to the telephone call amount of the first telephone user when using the membership card and transmitting the information received from the payment receiving means. Characterized by having a payment system,

The product buyer uses the card phone system and the multi-function card to enable a call from the first phone to the second phone through the telephone network by using a multi-function card divided into a postpaid card and a membership card having a unique card number. A multifunction card payment system that can be used in an electronic commerce system that enables the purchase of goods from a second terminal used by a seller of goods through a network with a first terminal,

A payment request means for requesting payment of a multi-function card, a payment notification means for notifying after receiving a result of processing a payment request when connected to the network and paying an e-commerce transaction price of an electronic commerce system using a multi-function card; Web payment system having a; And

Connected to the telephone network, and distinguishing means for distinguishing a deferred card and membership card, a billing database having card information on the available amount for each deferred card, a transaction database having card information for the available amount for each membership card, web After the transaction of the card number is calculated and processed by the payment system's card request, the billing means for updating the information built in the billing database and the information built in the transaction database, and transmitting the updated card information to the outside. And a telephone payment system including card information transmitting means.

In addition, in order to achieve another object of the present invention, in the postpay payment processing method for processing the payment of a multi-function card having a unique card number that can make payments on telephone calls and e-commerce,

A first step of requesting a telephone call by inputting a unique card number of the multifunction card; A second step of storing that the multifunction card is in use; Terminating a telephone call using the multifunction card; And a fourth step of calculating the cost according to the amount of call, and canceling the use of the unique card number, and a fifth step of notifying that the multifunction card is in use when a transaction request on the e-commerce occurs in the third step. It features.

1 is a block diagram showing the structure of a multi-function card postpaid payment system according to the present invention.

2 is a system diagram showing an embodiment of a multi-function card postpaid payment system according to the present invention.

3 is a detailed view of a payment system used in the multi-function card postpaid payment system according to the present invention.

4 is a diagram illustrating an embodiment of a payment operation process using a multi-function card in a multi-function card postpaid payment system according to the present invention.

5 is a diagram illustrating a process of purchasing a product using a multi-function card postpaid payment system according to the present invention.

The present invention will be understood from the following description in comparison with the prior art, with reference to the accompanying drawings.

1 is a block diagram showing the structure of a multi-function card postpaid payment system according to the present invention. Referring to Figure 1, the multi-function card payment system according to the present invention is composed of a post-pay billing system 200 and a web payment system 500 and a card company 700 of the card company connected through the Internet, etc. built through the telephone network .

A multi-function card serves as an electronic money that allows users to pay for the purchase of goods on the Internet or access to an internet pay site, and also allows them to pay for the use of a telephone. Is a pin number based card that enables.

The multifunction card has a card issued by the operator of the web payment system 500 and a card issued by the card company. The card issued by the operator is defined as a postpaid card and a card issued by the card company is defined as a membership card.

The deferred card is printed with an operator-generated pin number, and the user can use the card using this pin number, and the membership card has both the number of the existing membership card and the pin number used for the multifunction card. The membership card contains the card number and the pin number for the multifunction card. Therefore, when the user uses the multi-function card, the multi-function card can be used for payment by inputting the PIN number printed on the membership card and the postpaid card without distinction through the phone 310 or the computer terminal 410. In addition, membership card is the same as the card number and pin number can be used to print only the card number on the membership card, even if the card number and pin number is wrong when the user enters the card number entered in the multi-function payment system Use your card number to find your pin number so you can use it for postpay payments.

The postpaid payment system 200 is a means for allowing a user to postpaid payment for goods and use amount when a user uses a multifunction card to make a telephone call, an internet payment, or a paid Internet site. In the case of purchasing the goods using the payment of the telephone bill or the price of the goods and when purchasing the goods on the Internet, etc. to provide the card information to the web payment system 500 to process the payment in the web payment system 500. do.

When a user makes a purchase using a telephone bill or a telephone, when a membership card is used, the card company system 700 receives the information of the membership card to determine whether it is available, and if it is available, charges and processes the payment. In case of using a postpaid card, payment is made by storing information of a postpaid card issued by itself.

When a user uses a membership card to purchase goods, contents, or an Internet phone on the Internet, the postpay payment system 200 receives card information from the card company system 700 and transmits the card information to the web payment system 500. After completing the payment operation in the web payment system 500 receives the result and transmits to the card company system 700. When the operator uses a self-issued postpaid card, the web payment system 500 provides the information of the billing database 235 of the postpaid payment system 200 to the web payment system 500.

The postpaid payment system 200 recognizes and verifies whether the multifunction card is a membership card or a postpaid card by recognizing the pin number of the multifunction card input through the telephone network 300 or the web payment system 500, and in particular, the authentication. If the multifunction card is a membership card, the card number recognition means 220 for requesting the card company system 700 for card information such as the amount of card use, and the billing database 235 for storing card information of the postpaid payment card among the multifunction cards. If the user requests a payment on the Internet using a multi-function card, if the multi-function card is a postpaid card, the information in the billing database 235, and the card company system 700 if the card is a membership card by the card number recognition unit 220. The card information of the membership card received from the web payment system 500, and also, the web payment system 500 and the card company system 700 The first card information transmission and reception means 210 for receiving information from the user, in case of using a telephone, a telephone fee is charged according to the telephone call amount, and the charged telephone fee can be subtracted from the use amount of the multifunction card. If the card is a postpay payment using the information of the postpay card of the billing database 235 and updates the billing database 235, if the membership card to make a postpay payment using the information of the membership card of the second transaction database (238). And a billing means 230 for transmitting the settlement result to the card company system 700 using the first card information transmitting and receiving means 210.

The billing means 230 also receives the payment result transmitted from the web payment system 500 using the first card information transmission / reception means 210 when the payment is made using the Internet. The billing database 235 is updated, and when the payment result using the membership card is transmitted from the web payment system 500, the first card information transmitting / receiving means 210 transmits the result to the card company system 700.

The billing database 235 stores a card number, a credit limit, a usable amount, a remaining amount, and payment information of a multifunction card. The first transaction database 237 is connected to the billing database 235 so that the postpaid payment system 200 can receive information regarding payment processing, for example, the time and call time when the user makes a phone call. Save it. In addition, the second transaction database 238 stores information necessary for card payment, such as available amount and expiration date, for the membership card received from the card company system 700 so as to be used for payment. When the information on the membership card is required, the second transaction database 238 requests the information from the postpaid payment system 200 to the card company system 700 so that the information can be constructed and provided. The first transaction database 237 and the second transaction database 238 record whether a card is currently used.

The card number recognition unit 220 is connected to the first authentication database 225 to authenticate the multifunction card using the information of the first authentication database 225, the first authentication database 225, the pin number of the postpaid card And each pin number of the membership card is stored for each card company to determine the pin number to determine whether it is a postpaid card or a membership card issued by a specific card company from the card company to process information about the card. For example, if the postpay card has a pin number of 1,000,000 to 1,999,999, the card company A has a pin number of 2,000,000 to 2,999,999, and the card company B has a pin number of 3,000,000 to 3,999,999, and if the user's pin number is 1,555,555, the card number is Recognition means 220 recognizes the deferred card to recognize the information of the card in the billing database 235 to be used for payment. If the pin number is 3,555,555, the card of the membership card issued by the B company among the card company A or B company Since it is a pin number, the card number recognition means requests card information to the card company system 700 of the B card company by using the first card information transmitting and receiving means 210 and receives the information of the requested card so that it can be used for payment. Since the pin number is used, the card can be distinguished by the pin number even if the same card number exists.

The first authentication database 225 is updated in conjunction with the card company system 700. The information constructed in the first authentication database 225 is a pin number, a password, information on the type of the multifunction card according to the pin number is recorded so as to determine whether it is a postpaid card or a membership card.

The web payment system 500 is a means for enabling a multi-function card to be used as a postpaid electronic money when purchasing goods on the Internet or accessing an internet pay site, and using a terminal 410 such as a user's PC. When the user uses a multi-function card in the Internet shopping mall, etc., when the user receives the multi-function card number from the server system 420 of the internet shopping mall, the pin number is authenticated in the authentication database 530, and the certified pin number is deferred payment system ( 200 to receive the card information of the multi-function card from the postpaid payment system 200 to the payment processing.

The web payment system 500 authenticates the multifunction card so that the user can make payment by requesting payment information on the amount of money available from the postpaid payment system 200 for information on the authenticated multifunction card. The amount of money used is the amount of a card that can be used when a user uses a card to make a telephone bill or purchases an item in an e-commerce transaction, and means the difference between the credit limit and the amount used.

When the web payment system 500 is connected to the Internet and the user of the multifunction card inputs his / her multifunction card number to the server system 420 of the internet shopping mall, the server system 420 of the internet shopping mall uses the multifunction pin number as the web payment. It is transmitted to the system 500, the web payment system 500 by using the authentication means 530 for recognizing and authenticating the pin number of the postpaid card and membership card to determine whether the input multi-function card is a usable card do. The second card information transmitting and receiving means 540 for requesting the information of the authenticated pin number to the postpaid payment system 200 and receiving information on the multifunction card transmitted from the postpaid payment system 200, the postpaid payment system ( Using the information of the multi-function card received from the 200 payment means 520 and the payment results from the payment means 520 to the postpay payment system 200 and the server system 420 of the Internet shopping mall, etc. Is provided as a payment notification means (510). The authentication means 530 uses a second authentication database 535 that stores the pin number and password of the multifunction postpaid card.

In the payment means 520, a third transaction database 525 is stored in which transaction details of the user's Internet are stored.

The card company system 700 updates the membership card database 745 using the membership card database 745 having the information on the membership card and the payment processing result transmitted from the postpaid payment system 200 to update the information of the membership card. When the card payment means 740 is updated and the card information is requested from the postpaid payment system 200, the card information is transmitted from the membership card database 745, and the received payment result is received from the postpaid payment system 200. Membership card information transmitting and receiving means 710 for transmitting information to the card payment means. If the card payment means requests membership card information from the postpaid payment system 200 using the membership card information transmission / reception means 710, the card payment means may determine whether the card is issued and can be paid. An authentication database 735 is established. When the pin number of the membership card issued by the card company is stored and the pin number is transmitted from the postpaid payment system 200, the third authentication database 735 determines whether the pin number of the multifunction card is the pin number of the card issued by the card company. Do it. If the pin number is the pin number of the card issued by the card company, the membership card database 745 is used to determine the information on the card that matches the pin number, and the card information transmitting and receiving means 710 for the pin number and the card information. Through the postpay payment system 200 to be used for payment. In addition, the payment process result also receives the pin number and the payment processing result to be recorded in the membership card database (745).

Therefore, the card company system 700 receives the information on the usage history and payment information from the postpaid payment system 200 when the membership card is used on the Internet or a telephone call, and updates the information on the membership card so that the user pays later. When the time to pay is reached, the user is charged for the amount used.

The general payment processing operation of the multifunction card payment system according to the present invention is as follows. When a user purchases an item through the e-commerce system, the web payment system 500 recognizes the pin number, authenticates the authentication, and then transmits the authenticated number to the postpaid payment system 200 to match the pin number. Ask for information. The postpaid payment system 200 determines whether the card is a postpaid card or a membership card by recognizing the pin number of the received card and checks the information of the postpaid card recorded in the billing database 235 if the card is a postpaid card. If the card is transmitted to the membership card 500, the card company system 700 receives the information of the membership card and transmits it to the web payment system 500. The web payment system 500 pays the purchase price of the goods in the payment means 520 and transmits the available amount to the postpaid payment system 200 using the payment notification means 520, and the charging means 230 is a billing database. The information recorded in (235) may be updated. The card company system 700 updates the membership card database 745 by being notified of the payment result from the telephone payment system 200 when the membership card is used.

In addition, when a user uses a phone using a multifunction card, the user recognizes the pin number transmitted through the phone, authenticates the user, and enables the user to use the phone in which the authenticated pin number is input. In this case, when the user wants to use another phone while making a telephone call or requests an electronic commerce payment, the telephone call fee is increased according to the usage time, so the available amount of the card is not fixed. Avoid using other phones or e-commerce while using multifunction cards for calls. Therefore, it is desirable to construct information in the charging database 235 indicating whether the multi-function card is currently used. Such means is a module that can be implemented in software or hardware.

In addition, each database of the postpaid payment system 200 and the web payment system 500 may be configured to update the information with each other on the basis of a predetermined time so as to build the same information. It also works in conjunction with the authentication database 735 to have the same user information and card information.

2 is a system diagram showing an embodiment of a multi-function card postpaid payment system according to the present invention. 2 is a block diagram of a system showing an embodiment of a system in which the block diagram of FIG. 1 is actually implemented. The web server 150 of FIG. 2 is a component corresponding to the web payment system 500 of FIG. The second authentication database 535 for authentication and the third transaction database 525 for storing transaction details are formed as the second database 151 of the web server 150. In addition, the postpaid payment system 140 is an element corresponding to the telephone payment system 200, and performs payment according to the telephone use and transmits payment information necessary for internet payment to the web server 150, the first of FIG. The authentication database 225, the first transaction database 237, and the second transaction database 238 are represented by the first database 141. In addition, the charging database 235 is also represented by the second database 142. Referring to Figure 2, the multi-function card payment system according to the present invention is a multi-function card (not shown) having a kind of post-paid card used for post-payment, post-pay payment system 140 for processing postpay, web server 150 ), The payment gateway 160, the postpaid payment system 140 is connected to the domestic / overseas telephone network, and is connected through a dedicated line and the web server 150 is connected to a wired or wireless communication network, such as the Internet and the card company Is also connected via a dedicated line. The postpaid payment system 140 has information on the user's card number, available amount of the card, expiration date, user authentication, and the like, and stores a log file containing information such as the time and price at which the user requested the card payment. And a first database 141 for storing information on the authentication of the telephone user and storing information on the amount of use, expiration date, etc., is used to authenticate the user when using a multi-function card. Make sure you can, and pay for the phone call.

The payment gateway 160 is connected to the server system of each bank 161 associated with the multifunction card and the server system of each credit card company 162, so that the user can make a payment even when the online payment is made using the multifunction card. Pay for your purchases with a multi-function card. The payment gateway 160 is connected to the postpaid payment system 140 through a credit card interface system (CCIS) and a web server 150. In addition, the postpaid payment system 140 performs a real time billing process so that a user can use a telephone call or the Internet anywhere, and charges a real time charge of a telephone fee or an internet fee to use a multifunction card, regardless of the location and period of time. To use. Real-time charging can be done by subtracting the amount used from the available amount.

The public telephone networks 110a and 110b have domestic and foreign telephone networks, and are connected to the postpaid payment system 140 through an exchange (not shown). In addition, the mobile phone terminal is connected to the postpaid payment system 140 through a mobile communication network, and is connected to a public phone or a mobile phone through a domestic telephone network.

The PC communication computer 111, the EDI computer 112, and the telephone voice information system 114 are connected to the web server 150 through the Internet or the telephone network to be connected to the postpaid payment system 140. In addition, the Internet 130 is connected to a PC 131, a PC room 132, a paid site, and an Internet shopping mall 133 used in a general home. Thus, the wired or wireless telephone means is connected with the postpaid payment system 140. In addition, the web server 150 includes a communication module and an operation processing unit to request information on the expiration date, user, available amount of money, etc. of the card constructed in the first database 141 of the postpaid payment system 140. In response to this, the payment processing unit performs payment processing and transmits the result after payment to the payment system 140 and the Internet shopping mall. In this case, the web server 150 constructs the second database 151 to store the pin number of the multifunction card generated in the second database 151 and the corresponding password to request authentication of the multifunction card through the Internet. In the web server 150 to be able to immediately authenticate without going through the postpaid payment system 140. In addition to the pin number and password information of the issued card, the second database 151 generates and stores a log file that knows when the multifunction card user requested payment. The first database 141 and the second database 151 interoperate with each other to exchange information. Therefore, the same log file is stored in the first database 141 and the second database 151.

In such a configuration, the multi-function card according to the present invention can be used to pay the mobile phone service, public telephone service, PC communication service, telephone voice information, access to the paid site of the Internet, purchase of goods in the shopping mall, and the like.

Figure 3 is a detailed view of the telephone payment system used in the multi-function card postpaid payment system according to the present invention. Referring to FIG. 3, the postpaid payment system 140 includes SMP (Service Management Parts: 150), SCP (Service Control Parts: 143), and IVR (Interactive Voice Recording: 144). The postpaid payment system 140 is connected to a domestic telephone network, which is a regional telecommunication network, and an overseas telephone network, which is an overseas telecommunication network, through an SSP (Service Switching Parts: 148). SSP 148 is connected to SCP 143 and IVR 144 of the telephone payment system.

SMP 150 is a means for managing the purchase of goods on the Internet in the postpaid payment system 140, and stores the pin number of the issued postpaid card, and also stores the pin number of the membership card issued by the card company have. Using information transmitted through a card company 161 such as a bank or a credit card company using SCP 143 and connected to the Internet 130, the operator uses the SMP 150 to postpaid payment system 140. ) Management, customer management, statistics management, etc., and manage the profits by understanding the usage of people who use membership cards. In addition, the second database 151 is constructed so that the SMP 150 can perform such a role, and the payment is made using the data constructed in the second database 151 and stored in the second database 151. It modifies the data and transmits the data used for the telephone call payment to the first database 141 among the data stored in the second database 151 in connection with the first database 141 connected to the SCP 143. Then, the data stored in the first database 141 is received and the second database 151 is modified. The second database 151 stores the generated postpaid card information. The postpaid card information includes a card number, an expiration date, a usable amount, and whether the card is currently used, and also includes a credit limit and a credit amount. Information.

The multi-function card number means the number of all issued cards, and if the deferred card generates and stores the card number issued by the SMP 150, and if the membership card means the card number of the membership card received and registered in the card company system. The operator receives the information on the card number and the payment result amount transmitted from the electronic commerce system through the Internet 130 to update the second database 151, and the second database 151 established in the SMP 150 is an SCP. The second database 151 and the first database 141 are interoperated with the first database 141 established at 143 in an X.25 real time or TCP / IP protocol real time so that the second database 151 is updated. ) Is building the same information.

When the user uses the multi-function card on the internet pay site, the SMP 150 authenticates the number and / or password of the multi-function card entered by the user, and transmits the authentication result to the SCP 143 by the result. SCP (143) sends the remaining amount of card (available amount) to SMP (150), SMP (150) receives the remaining amount of card, settles the transaction price, and sends the settlement amount authentication result to internet paid site Postpay payment results are sent to SCP (143), which allows SCP (143) to interface with credit card companies, banks or payment gateways through the Credit Card Interface System (CCIS). Allow banks to pay postpay bills. In addition, SCP 143 configures the first database 141 so that only the information on the card number using the current telephone is used to display the available amount of the deferred card, the card number, and the user's personal information. ).

SCP (143) is a means for providing a postpaid payment service to a user who accesses a postpaid payment system 140 by using a telephone line.When using a telephone, SCP (143) authenticates a multifunction card used by a telephone user to make postpaid payment. It can be used as a means of charging. When a user inputs a card number through a telephone to use a telephone, SCP 143 receives the card information of the card number from the second database 151 constructed in the SMP 145, and then enters the first database ( 141). At this time, the second database 151 records that the card is in use.

SCP 143 authenticates the user using the first database 141, and also checks the amount of money available to the user, and transmits an unusable signal when the remaining amount of the user's card is insufficient and enables the phone to be used if available. Do it. At this time, the user uses the IVR 144 to transmit information to the user by voice so as to help the user to use the card and the phone. Then, after subtracting the available amount according to the usage time that the user talks, it records in the first database 141. In addition, the second database 151 records information on a state indicating whether the multifunction card is being used so that one card cannot be used at various places at the same time through another terminal device, and when the telephone call is completed, the first database 141. This releases the recorded use of).

The IVR 144 is a means for providing information to the user by voice, and transmits various voice cements to the user to help the user use the payment system 140 by using a wired or wireless telephone.

4 is a diagram illustrating an embodiment of a payment operation process using a multi-function card in a multi-function card postpaid payment system according to the present invention. If the user pays with a multi-function card, the post-pay payment is based on the credit limit of the user. In this case, if the user is charged in proportion to the usage time, such as a telephone call, the amount to be paid is determined according to the time. Therefore, the electronic payment user uses the computer using a multifunction card and uses the computer while using the Internet shopping mall. When using the multi-function card while paying for the goods, the user may be charged in proportion to the time when the user used the phone. If you make a payment using a multifunction card, you may not be able to make a payment when you try to pay the phone bill after you complete the call. Therefore, various methods can be devised to solve this problem. For example, it is possible to prevent the purchase of goods through the Internet when using a telephone. Referring to Figure 4,

First step (ST 100): A user accesses the postpaid payment system 200 through a telephone network and enters a card number in order to make a telephone call using his or her multifunctional card.

Second Step (ST 110): In the postpay payment system 200, the membership card determines that the card number is in use, using the second transaction database 238, and in the case of the postpaid card, determines the first transaction database 237. If the corresponding card number is indicated as being in use, it transmits a statement to the user using the IVR 144 that the user cannot make a phone call because the card number is being used.

Then, the PIN number of the card is authenticated using the first authentication database 225 and the user can make a phone call by using the billing database 235 to grasp information on the available amount and expiration date of the card. By determining whether the available amount is insufficient due to the use of the IVR (144) is sent to the user.

Third Step (ST 120): If the multifunction card is available, when the user makes a phone call using the multifunction card, the first transaction database 237 or the second transaction database 238 at the user's call start time. It saves the information and allows the user to make a call.

Step 4 (ST 130): While the user makes a phone call, the user accesses a paid site such as an internet shopping mall by using a computer and inputs a multi-function card number to purchase goods.

Step 5 (ST 140): The web site payment system 500 requests the authentication of the multi-function card number from the web site, and the web payment system 500 receives the card number authentication request from the web site. Recognizes and authenticates the card number entered using the second authentication database 535 built in, and transmits the card number to the deferred payment system 200 only for the authenticated card.

Sixth Step (ST 150): The postpaid payment system 200 authenticates the user's card number using the first authentication database 225, and authenticates and processes the user's card using the billing database 235. Determine whether or not to make a payment by grasping information about the balance.

Step 7 (ST 160): The postpaid payment system 200 uses the first transaction database 237 or the second transaction database 238 to grasp the fact that the user is making a phone call using a card. By transmitting a signal indicating that it is in use to the web payment system 500, the web payment system 500 transmits a signal indicating that it is in use to a user's computer, thereby inducing a user to make a payment using another payment means.

Eighth Step (ST 170): When the user completes the telephone call, the completion of the call time is recorded in the first transaction database 237 or the second transaction database 238, and the call time is grasped to determine through the charging means 230. Settle the call charges, and update the available amount of the multi-function card of the user in the billing database 235 in the postpaid payment system 200. Therefore, when the user requests a payment using the user's multifunction card again, the web payment system 500 requests the postpaid payment system 200 for authentication and status, and the postpaid payment system 200 receives the first transaction. It can be used for the web payment system 150 using the database 237 or the first transaction database 237.

The ninth step (ST 180): the web payment system 500, if the user wants to use the paid site through the Internet again to purchase the goods by entering their card number and use the multi-function card to pay the fifth In step ST 140, the sixth step ST 150 may be repeated to make a payment on the internet pay site.

A tenth step (ST 190); When the payment is transmitted to the postpaid payment system 200 through the web payment system 500, the postpaid payment system 200 changes the available amount and expiration date of the user's card and stores it in the billing database 235. .

5 is a diagram illustrating a process of purchasing a product using a multi-function card postpaid payment system according to the present invention. Referring to Figure 5,

In order to purchase a product, a user accesses a shopping mall on the Internet and prepares an order form provided by the shopping mall. When the multifunction card according to the present invention is selected as a payment method, a payment request is made to a payment gateway 160 in a shopping mall, and the payment gateway 160 receives a card number and a password from a user through a screen on the shopping mall and receives a web payment system ( 500) to approve card use. The web payment system 500 recognizes the received card number and authenticates the card using the second authentication database 235. Then, only the card authorized by the web payment system 500 requests the card information, the status and the balance information from the postpaid payment system 200, and receives information from the postpaid payment system 200 to determine whether to pay. When the payment is determined to be available for payment, the information of the card number is updated to change the card information (status and balance) in the web payment system 500 and transmit the information to the postpaid payment system 200 to charge the database of the postpaid payment system 200. Update 235. It then registers the transaction details and notifies the user of the payment result. Although the telephone payment system 200 transmits the card information to the web payment system 500, the payment processing can be performed by the web payment system 500, but also, the postpaid payment system 200 transmits the transaction history to the web payment system ( Received at 500 may be a payment in the postpay payment system 200 may be transmitted to the web payment system 150.

In this case, the type of postpaid card is a post-paid card issued by an operator, which is completed with a data flow only up to the web payment system 500 and the postpaid payment system 200, and in the case of a membership issued by a card company up to the card company system 700. Must be verified and the billing information updated.

The postpaid payment system and the postpaid payment processing method using the multifunction card according to the present invention provide various functions such as a real time billing function, a usage inquiry function, an expiration date setting function, and various product mix functions. The present invention uses a single card number as a means of payment for a telephone service as well as an Internet fee, a small payment of a paid site and a cyber shopping mall on the Internet, a gift certificate on a cyber, a PC communication service, a telephone voice service, and the like. The leakage of personal information can be prevented, and the card can be used for post-payment by using a previously issued card, so that the user can be easily secured. In addition, the Internet can be used freely in the country as well as abroad.

In the postpaid payment system and the postpaid payment processing method using the multi-function card according to the present invention, the network load is reduced by separating the phone payment system and the web payment system, and the telephone and electronics are provided by providing the current use field of the multifunction card in the billing database. Commerce payments can be made smoothly.

Also, in general, when a new card is developed by a card company that issues membership cards, it needs to be promoted, and a considerable amount of money must be administered to the promotional cost. However, if an electronic payment system using a multi-function card is used in cooperation with an operator using an operator operating an electronic payment system using a multi-function card, only the fact of the partnership can be provided and sufficient advertising effect can be enjoyed.

In addition, the card number and the pin number of the postpaid card issued by the operator and the membership card issued by the card company must be matched, and the number of digits of the card number may be different for each card company, and also issued by another card company. There may be a number that matches the number of, the operator operating the electronic payment system using a multi-function card to set the pin number to give a separate pin number for each card company, if the pin number is entered to determine the pin number is appropriate The card company can be notified of the payment, eliminating the effort of mapping a separate card number.

While the preferred embodiments of the present invention have been described using specific terms, such descriptions are for illustrative purposes only, and it is understood that various changes and modifications may be made without departing from the spirit and scope of the following claims. Should be done.

Claims (16)

A card telephone system and a multifunction card that enable a call from a first telephone to a second telephone through a telephone network using a multifunction card including a postpaid card having a unique card number and a membership card having a unique card number. A multifunction card payment system that can be used in an electronic commerce system that enables purchase of goods from a first terminal used by a product buyer using a card and a second terminal used by a seller of the product through a network, A card information requesting means for requesting information of the multifunction card when the electronic commerce transaction price of the electronic commerce system is settled using the multifunction card, the card information requesting means connected to the network; A web payment system comprising a payment means for calculating the transaction price using information and a payment notification means for notifying the amount of money available after the calculation; And A charging means connected with the telephone network and distinguishing means for distinguishing the deferred card and the membership card, a billing database having card information on the available amount for each deferred card, and card information for the available amount for each membership card; Transaction information, card information transmission means for transmitting the card information for the card number in the billing database or the transaction database to the web payment system by the card information request of the web payment system, the transaction Card information requesting means for requesting information of the membership card recorded in a database, payment receiving means for being notified of the available amount after the arithmetic processing from the web payment system, and when the postpaid card is used, By phone call volume A billing means for updating the billing database according to a call rate, and for updating the billing database according to the information received from the payment receiving means, and a call rate according to the telephone call amount of the first telephone user when using the membership card And a telephone payment system including card information transmitting means for transmitting the information and transmitting the information received from the payment receiving means. The method of claim 1, The billing database has a multi-function card payment system, characterized in that it has information indicating that the current card number is in use. The method according to claim 1 or 2, The web payment system further comprises a first authentication database for authenticating the validity of the multifunction card number and a first authentication means for authenticating the validity of the multifunction card input by the user of the first terminal. Payment system. The method according to claim 1 or 2, The telephone payment system further includes a second authentication database for authenticating the validity of the multifunction card and second authentication means for authenticating the validity of the multifunction card when a user of the first telephone inputs the multifunction card number. Multifunction card payment system, characterized in that. The method of claim 4, wherein The second authentication database is provided with a third authentication database holding all generated multi-function card numbers and a fourth authentication database holding only the card numbers using the telephone network, and the billing database can be used for all generated card numbers. And a second billing database including information on the amount of money, and a second billing database including information on the amount of money available for each card number using the telephone network, wherein the first billing database and the second billing database are real-time. Multifunction card payment system, characterized in that interlocked with. The method of claim 5, The third authentication database is a multi-function card payment system, characterized in that for storing the number of the multi-function card by the issuer of each multi-function card. The method of claim 1, Multi-function card payment system, characterized in that the telephone payment system further comprises a voice information providing unit. A card telephone system and a multifunction card that enable a call from a first telephone to a second telephone through a telephone network using a multifunction card including a postpaid card having a unique card number and a membership card having a unique card number. A multifunction card payment system that can be used in an electronic commerce system that enables purchase of goods from a first terminal used by a product buyer using a card and a second terminal used by a seller of the product through a network, A payment request means for requesting the payment of the multi-function card when the payment of the electronic commerce transaction price of the e-commerce system using the multi-function card is connected to the network, and after receiving a result of processing the payment request Web payment system having a payment notification means for; And A charging means connected with the telephone network and distinguishing means for distinguishing the deferred card and the membership card, a billing database having card information on the available amount for each deferred card, and card information for the available amount for each membership card; A transaction means for performing transaction processing on a corresponding card number at the request of the card of the web payment system, and updating the information constructed in the billing database and the information constructed in the transaction database; Multifunction card payment system characterized in that it comprises a telephone payment system including card information transmission means for transmitting the information to the outside of the card information. The method of claim 8, The billing database has a multi-function card payment system, characterized in that it has information indicating that the current card number is in use. The method according to claim 8 or 9, The web payment system further comprises a first authentication database for authenticating the validity of the multifunction card number and a first authentication means for authenticating the validity of the multifunction card input by the user of the first terminal. Payment system. The method according to claim 8 or 9, The telephone payment system further comprises an authentication database for authenticating the validity of the multifunction card and second authentication means for authenticating the validity of the multifunction card when a user of the first telephone inputs the multifunction card number. Multifunction card payment system. The method of claim 11, The second authentication database is provided with a third authentication database for holding all generated card numbers and a fourth authentication database for holding only the card numbers using the telephone network, and the billing database is available for each generated card number. And a second billing database including information on the amount of money available for each card number using the telephone network, wherein the first billing database and the second billing database are provided in real time. Multifunction card payment system characterized in that the interlocking. The method of claim 12, The third authentication database is a multi-function card payment system, characterized in that for storing the number of the multi-function card by the issuer of each multi-function card. The method of claim 8, Multi-function card payment system, characterized in that the telephone payment system further comprises a voice information providing unit. The method according to claim 1 or 8, Connected to the phone billing system, A card information transmission / reception system for transmitting information of the multifunction card to the transaction database of the telephone payment system and receiving information from the telephone payment system; Payment receiving means for being notified of a payment processing result of the multifunction card received through the card information transmitting and receiving system; And And a card company system comprising card payment means for updating a card database having payment information of a membership card according to the information received from the payment receiving means. In the postpay payment processing method of processing a payment of a multi-function card having a unique card number for making a telephone call and an e-commerce payment, A first step of requesting a telephone call by inputting a unique card number of the multifunction card; A second step of storing that the multifunction card is in use; Terminating a telephone call using the multifunction card; And a fourth step of calculating a cost according to the call amount and canceling the use of the unique card number. And a fifth step of notifying that the multi-function card is in use when a transaction request on the e-commerce occurs in the third step.