KR20070059893A - System and method for providing payment service of pre-paid card used-fare based on open interface using portable communication terminal - Google Patents

Abstract

A system and a method for providing a prepaid card payment service based on an open interface using a mobile terminal are provided to enable a user to safely and easily pay a taxi fare by using the open interface provided from a telecommunication provider. A billing server(200) stores/manages account information of an SP and the user. A user mobile terminal transmits payment approval information inputted by responding to taxi fare payment request information. An SP mobile terminal transmits a fare payment request signal including a mobile number of the user mobile terminal according to service use of the user. Each open service application server(520,540) transmits the payment request information if the payment request signal is received, and transmits a payment request signal if the corresponding payment approval information is received. An open service gateway(400) transmits the received payment request information to the user mobile terminal and processes taxi fare payment by withdrawing an amount from the billing server according to the payment request signal.

Description

System and method for providing payment service of pre-paid card used-fare based on open interface using portable communication terminal}

1 is a view showing the structure of a taxi fare payment system based on an open API through a prepaid card using a portable communication terminal according to a preferred embodiment of the present invention;

2 is a block diagram illustrating a configuration of an open service application server and an open service gateway based on an open API according to an embodiment of the present invention;

3 is a flowchart illustrating a method of processing a taxi fare payment based on an open API through a prepaid card using a portable communication terminal of a taxi fare payment system according to a preferred embodiment of the present invention; and

4 is a flowchart illustrating an account management method based on an open API of a taxi fare payment system according to an exemplary embodiment of the present invention.

The present invention relates to a taxi fare payment system and a method thereof, and more particularly, a taxi fare payment system capable of paying a fare according to a user's selection by accessing a service provider through a mobile communication network using a portable communication terminal; It's about how.

As the industrial society evolves, it is easier to get to your destination by using commercial vehicles such as buses or taxis or public transportation such as subways. In addition, users are paying a fee through a transportation card or a flat-rate pass according to the use of public transportation or cash or a fare system supported by the transportation.

Recently, users pay a fee through cash or a transportation card when using a city bus or subway, and pay a fee using a taxi in cash. However, the user using a taxi among the existing public transportation means could not pay the taxi fare using a credit card other than cash, so there is a problem that it is very inconvenient to use a taxi in the absence of cash or change of money.

In addition, recently, a small number of high-end taxis that have a lot of taxi fares compared to general taxis have a credit card payment machine installed so that the taxi fares can be paid by credit card. In this case, taxi operators are reluctant to pay by credit card due to credit card fees.

In order to solve this problem, a method for paying a taxi fare by a user having a wireless communication terminal and a credit card has been proposed by installing a terminal capable of performing a fare payment using a wireless communication terminal and a credit card. . However, this method is inconvenient for the user to know the credit card information or carry the credit card. In addition, this method has the possibility that the credit card information is disclosed by the portable terminal, so that personal information may be leaked.

In addition, in order to solve the conventional problems, after connecting to the communication service provider using a wireless communication terminal, after entering the taxi fee and charging the taxi fee through the authentication process, the taxi charged to the terminal fee charged from the wireless communication provider A method of summing charges has been proposed. However, this method has a problem that the user is burdened with paying the fare as the charged taxi fare is charged at a time. In addition, this method is inconvenient to pass through the service provider as the charge is processed through the service provider and the charge is collected, there is a possibility that a fee accordingly.

On the other hand, the most common method of paying on the Internet is using a credit card, bank account transfer, or account transfer through their bank account. However, this method also acts as a deterrent to activation due to transactional instability and reluctance to expose their personal information.

A first object of the present invention for solving the above problems is to provide a taxi fare payment system and method that allows users to pay a taxi fare more safely and easily using a taxi.

It is a second object of the present invention to provide a taxi fare payment system and a method of allowing a user to pay a taxi fare more safely and easily by using an open interface provided by an existing communication operator using a taxi. .

It is a third object of the present invention to provide a taxi fare payment system and method for reducing the financial burden due to taxi fare paid by users using a taxi.

A bill payment system according to an embodiment of the present invention for achieving the above object, the service provider for providing the service to the user and the billing server for storing and managing the account information of the user; A user portable communication terminal for transmitting the payment authorization information, which is input in response to the payment authorization request information of the fee received; A service provider portable communication terminal for transmitting a bill payment request signal according to a user's use of a service including a telephone number of the user portable communication terminal; An open service application server for transmitting the payment permission request information upon receiving the charge payment request signal and transmitting the charge payment request signal upon receiving the payment permission permission information corresponding thereto; And an open service gateway which receives the payment right request information and transmits the received payment information to the user portable communication terminal, and withdraws the corresponding account information from the billing server according to the fee payment request signal.

The open service application server transmits the payment authority request information and the charge payment request signal to the open service gateway through an open application programming interface (API).

The fee payment system of the present embodiment further includes a short message center for converting the payment authority request information transmitted from the open service gateway into a short message and transmitting the short message to the user portable communication terminal.

The open service gateway updates the accounting server with respective account information of the service provider and the user according to the bill payment processing.

The open service gateway provides the result information according to the billing processing to the open service application server, and the open service application server sends the billing processing result information to the user portable communication terminal and / or the service provider portable communication terminal. To send.

The open service application server transmits the billing processing result information to the open service gateway, and the open service gateway controls the text message center to convert the billing processing result information into a text message for transmission. Accordingly, the text message center converts the payment processing result information into the text message and transmits the text message to the user portable communication terminal and / or the service provider portable communication terminal.

Advantageously, the open service application server comprises: an open service payment application server controlling a charge payment processing procedure of the open service gateway in response to a charge request signal transmitted from the service provider portable communication terminal; And an open service account management application server for controlling a management procedure for the account information of the service provider and the user of the open service gateway according to the charge payment processing.

The open service payment application server may include: a payment service user interface providing a user interface for providing a payment service to the service provider and the user; A customer database storing and managing subscription information of the service provider and the user; And when the charge request information is received from the service provider portable communication terminal, transmits the payment authority request information to the user portable communication terminal, and transmits the payment authority permission information from the user portable communication terminal in response to the payment authority request information. And upon receipt, payment logic that controls the open service gateway to perform bill payment processing according to the bill payment request information.

The open service account management application server may include: an account management user interface providing a function of retrieving a fee payment history through an open application service to the service provider and the user; A customer database for storing and managing service subscription information of the service provider and the user; And an account management logic for controlling the open service gateway to search and provide the bill payment history and the respective account information when the service provider and the user request access to the bill payment history through an internet network. .

The open service gateway may include: a payment processing unit configured to process the payment by retrieving the corresponding account information from the billing server under the control of the open service payment application server, and providing the result to the open service payment application server; An account management unit for updating corresponding account information stored in the billing server according to a payment result of the payment processing unit; A short message processing unit controlling the short message center to convert the payment permission information and / or the bill payment processing result information into a short message and transmit the same to the terminal according to the control of the open service payment application server; And an interface unit providing a communication interface with the short message center.

The billing server stores the service provider information, the account information of the service provider, the user information, the account information of the user, and the bill payment history information for each account of the service provider and the user.

The user account information is prepaid card information that can be selectively charged by the user by accessing the open service application server through the Internet.

On the other hand, the charge payment method using a portable communication terminal according to an embodiment of the present invention for achieving the above object, according to the request of the user and the service provider that provides the service to the user corresponding account information Registering with a billing server; When the charge payment request signal is received according to the user's use of the service from the portable communication terminal of the service provider, the payment authority request information is transmitted to the user portable communication terminal in a short message through an open service gateway and a short message center of the mobile communication network. Doing; And receiving payment authorization information corresponding to the payment authorization request information from the user portable communication terminal, and controls the open service gateway to pay the fee according to the fee payment request signal by referring to the corresponding account information stored in the billing server. It includes the step of processing.

The bill payment method using the portable communication terminal according to the present embodiment further includes updating the result information according to the bill payment processing to corresponding account information stored in the billing server through the open service gateway.

In the payment method using the portable communication terminal according to the present embodiment, the service provider and / or the user's portable communication terminal transmits the result information according to the payment processing through a short message through the open service gateway and the short message center. It further comprises the step of sending.

In the transmission step and the payment processing step, access to the open service gateway and an operation thereof are controlled through an open application programming interface (API).

According to an embodiment of the present invention, a payment method using a portable communication terminal may include: signaling a request for payment details from the service provider and / or a user; Controlling the open service gateway according to the received bill payment request signal, and extracting bill payment from the corresponding account information stored in the billing server; And transmitting the extracted payment history to the service provider and / or the user.

According to an embodiment of the present invention for achieving the above object, an open service application for providing a bill payment service using a portable communication terminal, bill payment transmitted from a portable communication terminal of a service provider that provides the service to the user An open service payment application server located in a mobile communication network and controlling an open service gateway to perform a payment processing through a charging server that manages account information of the user and the service provider in response to a request signal; And an open service account management application server for controlling a management procedure for the account information of the service provider and the user of the open service gateway according to the charge payment processing.

The open service payment application server may include: a payment service user interface providing a user interface for providing a payment service to the service provider and the user; A customer database storing and managing subscription information of the service provider and the user; And upon receipt of payment request information from the service provider portable communication terminal, transmits the payment authority request information to the user portable communication terminal, and in response to the payment authority request information, the payment authority permission information from the user portable communication terminal. And receiving a payment logic to control the open service gateway to perform a payment processing according to the payment request information.

The open service account management application server may include: an account management user interface providing a function of retrieving a bill payment history through an open application service to the service provider and the user; A customer database for storing and managing service subscription information of the service provider and the user; And an account management logic that controls the open service gateway to search and provide the billing details and the respective account information when the service provider and the user request access to the billing details through an internet network. .

On the other hand, an open service gateway for providing a payment service using a portable communication terminal according to an embodiment of the present invention for achieving the above object, the request for payment of the fee for providing the service to the user at the request of the service provider A payment processing unit for extracting the account information from the billing server that manages the account information for processing the fee of the service provider and the user under the control of an open service application server located in the Internet network; An account management unit for updating corresponding account information stored in the billing server according to a payment result of the payment processing unit; And controlling a short message center that provides a short message service to convert payment authorization information and / or fee payment result information for allowing payment according to the control of the open service application server into a short message and transmits the short message to the corresponding terminal. It includes a short message processing unit.

 According to the present invention, a fee charged to a service provider with a prepaid card by registering a service provider's account information and a user's prepaid card information with a billing server located in a mobile communication network and using a portable communication terminal through an open API and a short message API. By paying a fee, updating the account and prepaid card information according to the payment result, and providing a fare payment upon request of the service provider or the user, service users using taxis can easily pay the fee through a commercial portable communication terminal. It is possible to handle the billing securely and the prepaid card can be recognized as a single account so that the prepaid card subscriber can use various services by continuously charging as much as he / she wants through a reliable and certified service provider or content provider. It works.

Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings. It should be noted that the same elements in the figures are represented by the same numerals wherever possible. In addition, detailed descriptions of well-known functions and configurations that may unnecessarily obscure the subject matter of the present invention will be omitted.

According to the present invention, in order to pay the fee more securely and easily by using an open interface provided by an existing carrier, the application service logic connected to the Internet network is charged after the payment service is dialed using a portable communication terminal. It proposes a method of paying a fee from its own prepaid card number, namely its own account, by calling an open application programming interface (API). To this end, in the present invention, the prepaid card that can be purchased on / off-line (On / Off-line) is recognized as one account, and the prepaid card subscriber (user) wants the user through a reliable and authenticated service provider or content provider. Continue to charge the amount so that you can use the payment service.

The open API is a standardized open interface between the communication service logic and the communication network. The open API is a core technology that enables various integrated services to be provided regardless of the underlying transport network characteristics and types. The "Parlay Group (http: // www. parlay.org) "is being standardized as an open API based on" CORBA "and an open API based on web services. The "Parlay Group" has evolved the "Parlay X API" so that it can be safely and easily called and used in IT-based applications, allowing IT application developers to simply access network resources without detailed knowledge of network protocols. It would be.

1 is a view showing the structure of a taxi fare payment system based on an open API through a prepaid card using a portable communication terminal according to an embodiment of the present invention.

As shown, in the taxi fare payment system, the user accesses the open service application server 500 through the Internet network 50 using the user computer 700 to manage the purchase of the prepaid card of the corresponding amount and the storage of the information. request. Accordingly, the open service application server 500 accesses the open service gateway 400 through the open service framework 300 and requests the user to store the prepaid card purchase and purchase history information requested by the user. The open service gateway 400 processes the prepaid card purchase of the corresponding amount requested by the user and stores the result in the billing server 200. In this case, the charging server 200 may store information including information about the user portable communication terminal 115. That is, the billing server 200 may store the service provider information, the account information of the service provider, the user information, the account information of the user, and the bill payment detail information for each account of the service provider and the user.

The prepaid card purchase and purchase history information may be transmitted to the user computer 700 via the open service application server 500.

In addition, according to the present embodiment, a service provider (employee) or a service provider that provides a service to a user may register and manage account information of each service provider in the billing server 200.

Referring to the drawings, the taxi fare payment system is an open service application server 500, an internet network, which can be connected through an internet network 50 using a service provider, a user portable communication terminal 110, 115, and a user computer 700. Open service gateway 400 providing a communication interface between the mobile communication network 100 and the open service framework 300 providing an authentication function for the open service application server 500 to access the mobile communication network 100. ), The billing server (200) for storing the billing-related information including the account information of the service provider and the prepaid card information of the user located in the mobile communication network 100, the information under the control of the open service gateway (400) Mobile communication that provides a communication interface between the short message center 140 and the base station 120 and the short message center 140 to convert the text message to a text message; An exchange 130.

Taxi fare payment by the taxi fare payment system having such a configuration is as follows.

The service provider uses an open service application server that introduces an open service API web service from an open service framework 300 provided by an operator of the mobile communication network 100 to pay a taxi fare using its portable communication terminal 110 ( 500). At this time, the portable communication terminal 110 of the service provider transmits the taxi fare payment request information, including its assigned telephone number and the telephone number for the portable communication terminal 115 of the user.

The open service application server 500 receiving the payment request information from the portable communication terminal 110 of the service provider accesses the open service framework 300 and performs an authentication process required for access to the open service gateway. Accordingly, the open service application server 500 connected to the open service gateway 400 sends a signal requesting the open service gateway 400 to the user's portable communication terminal 115 for permission of payment authority to the open service gateway 400. To send).

The open service gateway 400 controls the short message center 140 to transmit the payment permission request signal to the user portable communication terminal 115 under the control of the open service application server 500. The short message center 140 converts the payment authority permission request signal transmitted from the open service gateway 400 into a text message and passes the base station 120 through the mobile communication switch 130 to the user portable communication terminal 115. To be sent to.

The user portable communication terminal 115 transmits payment permission permission information including the set authentication information input from the user to the open service application server 500. Accordingly, the open service application server 500 requests a payment to the open service gateway 400 of the mobile communication provider.

Accordingly, the open service gateway 400 withdraws the account information of the service provider and the prepaid card information of the user stored in the charging server 107 located in the mobile communication network 100. The open service gateway 400 processes the payment request requested by the open service application server 500 based on the extracted information. In this case, the open service gateway 400 updates the processed payment payment result in account information of the service provider of the billing server 200 and prepaid card information of the user. In addition, the open service gateway 400 reports the result of payment processing to the open service application server 500.

Accordingly, the open service application server 500 requests the open service gateway 400 to transmit the result of the payment processing to the portable communication terminals 110 and 115 of the service provider and the user. The open service gateway 400 controls the short message center 140 to transmit the requested payment processing result.

The short message center 140 converts the fee payment processing result into a short message under the control of the open service gateway 400, and passes the mobile communication switch 130 and the base station 120 to the service provider and the portable communication terminal 110 of the user. To send).

2 is a block diagram illustrating a configuration of an open service application server and an open service gateway based on an open API according to an embodiment of the present invention.

In the figure, the open service application server 500 of FIG. 1 is an open service application server 1 520 for controlling and managing charge payment, and an open service application server 2 for managing an account (prepaid card) of a service provider and a user. An example composed of) is shown.

As shown, open service application server 1 520 includes a payment service user UI 522, a customer database 524, and payment logic 526.

The payment service user UI 522 provides a user interface for providing a taxi fare payment service to service providers and users 110 and 115. The customer database 524 stores and manages subscription information of service providers and users.

The payment logic 526 requests the payment service through the open service payment API to the open service gateway 400 when the service provider 110 requests the payment. The payment processing unit 520 of the open service gateway 400 performs the taxi fare payment function requested by the payment logic 526 and updates the execution result to the charging server 200. At this time, the payment logic 526 requests the open service gateway 400 to transmit the result of performing the taxi fare payment to the portable communication terminals 110 and 115 of the user and the service provider. The short message processing unit 460 of the open service gateway 400 accesses the short message center 140 through the interface 480, and outputs a result of performing a taxi fare payment according to a request of the payment logic 526. Control to transmit to the portable communication terminal (110, 115). Accordingly, the short message center 140 converts the taxi fare payment result into a short message and transmits the result to the portable communication terminals 110 and 115 of the user and the service provider.

The open service application server 2 540 provides a service provider and a user 110 and 115 with a function to retrieve a taxi fare payment history through the open application service. To this end, the open service application server 2 540 includes an account management user UI 542, a customer database 544, and an account management logic 546.

The account management user UI 542 provides the service provider and the user 110 and 115 with a user interface for retrieving billing details. The customer database 544 stores and manages service subscription information of users and service providers 110 and 115. When the account management logic 546 requests the user and the service provider 110 and 115 to access the Internet network 50 through the open service and to view the payment details, the account management logic 546 may request the open service gateway 400 through the open service account management API. Request a payment history search.

The account manager 440 of the open service gateway 400 withdraws the taxi fare payment history information through the account information of the service provider and the prepaid card information of the user stored in the billing server 200 in response to a request of the account management logic 546. To the account management logic 546. Taxi fare payment history information passed to the account management logic 546 is provided to the user and service distributor 201 through the account management site user UI (217). In addition, the taxi fare payment details information may be transmitted to the portable communication terminal of the service provider or the user through the short message center 140.

3 is a flowchart illustrating a method of processing a taxi fare payment based on an open API through a prepaid card using a portable communication terminal of a taxi fare payment system according to a preferred embodiment of the present invention.

First, when the open service application server 500 receives the registration request signal of the account information and prepaid card from the service provider and the user connected through the Internet network 50 (S110), access to the open service gateway 400 The registration of the account and prepaid card is controlled (S114). Accordingly, the open service gateway 400 registers the requested account and prepaid card information in the billing server 200, respectively (S116).

The service provider terminal 110 transmits a fee payment request signal including a telephone number of the user terminal to the open service application server 500 according to an input command of the service provider (S210). In this case, the payment request signal includes prepaid card information including the registered password of the user and account information including the registered password of the service provider, in addition to the telephone number of the user terminal.

The open service application server 500 receiving the charge request signal requests the open service gateway 400 to transmit the permission request signal of the payment authority to the user terminal 115 (S220). The open service gateway 400 requests the short message sensor 140 to convert the permission request signal of the payment right into a text message and transmit it to the user terminal 115 (S230). Accordingly, the short message center 140 converts the permission request signal of the payment right into a text message and transmits it to the user terminal 115 (S240).

The user terminal 115 transmits payment authority permission information input from the user to the open service application server 500 in response to the payment authority permission request message (S250). Accordingly, the open service application server 500 requests a payment payment to the open service gateway 400 of the mobile communication operator (S260).

The open service gateway 400 withdraws the account information of the service provider and the prepaid card information of the user stored in the charging server 107 located in the mobile communication network 100 (S270). The open service gateway 400 processes the fee payment requested by the open service application server 500 based on the extracted information (S280). At this time, the open service gateway 400 updates the processed payment payment result to the account information of the service provider of the billing server 200 and the prepaid card information of the user (S290). In addition, the open service gateway 400 transmits the result of payment processing to the open service application server 500 (S295).

The open service application server 500 requests the open service gateway 400 to transmit the result of the payment processing to the portable communication terminals 110 and 115 of the service provider and the user (S310). The open service gateway 400 controls the short message center 140 to transmit the requested payment processing result (S315).

Accordingly, the short message center 140 converts the bill payment processing result into a short message according to the control of the open service gateway 400 to perform portable communication between the service provider and the user through the mobile communication exchange 130 and the base station 120. Transmission to the terminals 110 and 115 (S320 and S325).

Each service provider terminal 110 and the user terminal 115 display the bill payment processing result transmitted from the short message center 140 on the screen (S332, S334).

On the other hand, the open service application server 500, if the password of the corresponding account or prepaid card provided from the user and the service provider does not match the registered number, the service provider terminal (via the open service gateway 400) 110 and the user terminal 115. In addition, the open service application server 500, if the corresponding account or prepaid card information provided from the user and the service provider is an unregistered account, the unregistered account message through the open service gateway 400, the service provider terminal 110 and the user terminal ( 115).

4 is a flowchart illustrating an account management method based on an open API of a taxi fare payment system according to an exemplary embodiment of the present invention.

First, when the open service application server 500 receives the charge payment request signal from the service provider 110 or the user terminal 115 (S410, S415), the open service application server 500 services the account and password information. Request to the provider 110 (S420) and the user terminal 115 to request the prepaid card and password information (S430).

The service provider 110 transmits the input account and password information to the open service application server 500 (S440). In addition, the user transmits the input prepaid card and password information to the open service application server 500 (S445).

Accordingly, the open service application server 500 requests the payment service history search from the open service gateway 400 through the open service (S450).

The open service gateway 400 withdraws the taxi fare payment details information through the account information of the service provider and the prepaid card information of the user stored in the charging server 200 (S460). Therefore, the open service gateway 400 transmits the withdrawn payment details to the open service application server 500 (S470).

Accordingly, the open service application server 500 transmits fee payment (charge) detail information about the registered account of the service provider 110 to the service provider 110 (S480). In addition, the open service application server 500 transmits the bill payment history information for the registered account of the user terminal 115 to the user terminal 115 via the open service gateway 400 and the short message center 140 (S490). , S492, S494). Accordingly, the user terminal 115 displays the bill payment history information for the registered account transmitted from the open service application server 500.

On the other hand, the open service application server 500, if the account or prepaid card number provided from the service provider 110 and the user terminal 115 is not registered, the service provider 110 or the user terminal ( 115). In addition, the open service application server 500, if there is an error in the password of the corresponding account or prepaid card provided from the service provider 110 and the user terminal 115, the password error information message service provider 110 or the user terminal 115 To).

In the above, specific preferred embodiments of the present invention have been illustrated and described. However, the present invention is not limited to the above-described embodiments, and various modifications and equivalents may be made by those skilled in the art without departing from the scope of the present invention, which is attached to the scope of the claims. Other implementations may be possible. Therefore, the true technical protection scope of the present invention should be defined only by the appended claims.

As described above, the present invention registers the service provider's account information and the user's prepaid card information in a billing server located in the mobile communication network and sends the service provider as a prepaid card using a portable communication terminal through an open API and a short message API. By paying the charged fee, updating the information on the payment result to the account and prepaid card information, and providing the fare payment details at the request of the service provider or the user, service users using taxis can easily use the commercial portable communication terminal. It is possible to pay the fee, secure billing processing, and recognize the prepaid card as one account so that the prepaid card subscriber can continuously charge as much as he / she wants through a reliable and certified service provider or content provider. Available effects The.

Claims (22)

A billing server for storing and managing a service provider for providing a corresponding service to a user and account information of the user; A user portable communication terminal for transmitting the payment authorization information, which is input in response to the payment authorization request information of the fee received; A service provider portable communication terminal for transmitting a bill payment request signal according to a user's use of a service including a telephone number of the user portable communication terminal; An open service application server for transmitting the payment permission request information upon receiving the charge payment request signal and transmitting the charge payment request signal upon receiving the payment permission permission information corresponding thereto; And And receiving the payment authority request information and transmitting the received payment information to the user portable communication terminal, and processing the payment by withdrawing the corresponding account information from the charging server according to the charge payment request signal. Payment system. The method of claim 1, And the open service application server transmits the payment authority request information and the charge payment request signal to the open service gateway through an open application programming interface (API). The method of claim 2, And a short message center for converting payment authority request information transmitted from the open service gateway into a short message and transmitting the short message to the user portable communication terminal. The method of claim 3, wherein The open service gateway, the billing system, characterized in that for updating each account information of the service provider and the user according to the billing processing to the billing server. The method according to claim 1 or 4, The open service gateway provides the result information according to the payment processing to the open service application server, And the open service application server transmits the payment processing result information to the user portable communication terminal and / or the service provider portable communication terminal. The method of claim 5, The open service application server transmits the billing processing result information to the open service gateway, The open service gateway controls the text message center to convert the billing processing result information into a text message and transmit the text message. The text message center converts the billing processing result information into the text message and transmits the text message to the user portable communication terminal and / or the service provider portable communication terminal. The method of claim 1, The open service application server, Open service payment means for controlling a payment processing procedure of the open service gateway in response to a charge request signal transmitted from the service provider portable communication terminal; And And an open service account management means for controlling a management procedure for the account information of the service provider and the user of the open service gateway according to the payment processing. The method of claim 7, wherein The open service payment means, A payment service user interface providing a user interface for providing a payment service to the service provider and the user; A customer database storing and managing subscription information of the service provider and the user; And When the payment request information is received from the service provider portable communication terminal, the payment authority request information is transmitted to the user portable communication terminal, and the payment authority permission information is received from the user portable communication terminal in response to the payment authority request information. And a payment logic for controlling the open service gateway to perform billing processing according to the billing request information. The method of claim 7, wherein The open service account management means, An account management user interface providing the service provider and the user with a function of searching billing details through an open application service; A customer database for storing and managing service subscription information of the service provider and the user; And When the service provider and the user is requested to view the billing history by accessing through the Internet network, including the account management logic to control the open service gateway to search and provide the billing history and the respective account information; Featured billing system. The method of claim 7, wherein The open service gateway, A payment processing unit which withdraws the corresponding account information from the billing server to process the payment payment according to the control of the open service payment means, and provides the result to the open service payment means; An account management unit for updating corresponding account information stored in the billing server according to a payment result of the payment processing unit; A short message processing unit for controlling the short message center to convert the payment permission information and / or the bill payment processing result information into a short message and transmit the same to the terminal according to the control of the open service payment means; And Billing system comprising an interface for providing a communication interface with the short message center. The method of claim 1, The billing server, the fee, characterized in that for storing the service provider information, the account information of the service provider, the user information, the account information of the user, and the bill payment history information for each account of the service provider and the user Payment system. The method of claim 11, The user account information is a charge payment system, characterized in that the prepaid card information that can be selectively charged by the user by connecting to the open service application server through the Internet network. Registering the account information corresponding to each of the user and the service provider for providing the service to the user to the billing server; When a charge payment request signal is received according to the user's use of the service from the portable communication terminal of the service provider, the payment authority request information is transmitted to the user portable communication terminal as a short message through an open service gateway and a short message center of a mobile communication network. Transmitting; And When payment authorization information corresponding to the payment authorization request information is received from the user's portable communication terminal, the payment is made according to the fee payment request signal by referring to the corresponding account information stored in the billing server by controlling the open service gateway. Billing method using a portable communication terminal comprising the step of processing. The method of claim 13, And updating the result information according to the bill payment process to corresponding account information stored in the billing server through the open service gateway. The method according to claim 13 or 14, And transmitting the result information according to the payment processing to the service provider and / or the portable communication terminal of the user in a short message through the open service gateway and the short message center. Payment method using The method of claim 15, In the transmission step and the payment processing step, the payment method using a portable communication terminal, characterized in that for connecting to the open service gateway and control the operation through an open API (Application Programming Interface). The method of claim 14, Signaling a request for payment from the service provider and / or user; Controlling the open service gateway according to the received bill payment request signal, and extracting bill payment from the corresponding account information stored in the billing server; And And transmitting the extracted payment details to the service provider and / or the user. The method of claim 17, The billing server, characterized in that for storing the service provider information, the account information of the service provider, the user information, the user account information, and the bill payment history information for each account of the service provider and the user. Payment method using a portable communication terminal. In response to a charge request signal transmitted from a portable communication terminal of a service provider for providing a corresponding service to a user, a charge is provided through a billing server located in a mobile communication network and managing account information on the charge payment of the user and the service provider. Open service payment means for controlling an open service gateway to perform payment processing; And Open service account management means for controlling the management of the account information of the service provider and the user of the open service gateway according to the payment processing for providing a bill payment service using a portable communication terminal Open service application server. The method of claim 19, The open service payment means, A payment service user interface providing a user interface for providing a payment service to the service provider and the user; A customer database storing and managing subscription information of the service provider and the user; And When the payment request information is received from the service provider portable communication terminal, the payment authority request information is transmitted to the user portable communication terminal, and the payment authority permission information is received from the user portable communication terminal in response to the payment authority request information. And a payment logic for controlling the open service gateway to perform a bill payment processing according to the bill payment request information. The method of claim 19, The open service account management means, An account management user interface providing the service provider and the user with a function of retrieving a bill payment history through an open application service; A customer database for storing and managing service subscription information of the service provider and the user; And When the service provider and the user is requested to view the billing history by accessing through the Internet network, including the account management logic to control the open service gateway to search and provide the billing history and the respective account information; An open service application server for providing a bill payment service using a portable communication terminal. Billing for managing the account information for processing the fee of the service provider and the user under the control of an open service application server located in the Internet for the payment request for providing the service to the user at the request of the service provider A payment processing unit which withdraws the corresponding account information from the server to process the payment; An account management unit for updating corresponding account information stored in the billing server according to a payment result of the payment processing unit; And A short message controlling a short message center that provides a short message service to convert payment permission information and / or fee payment result information for allowing a payment according to the control of the open service application server into a short message to be transmitted to the corresponding terminal. An open service gateway for providing a payment service using a portable communication terminal, comprising a message processing unit.

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