KR20100016974A - System and method for restricting service admission according to credit level of user - Google Patents

Abstract

PURPOSE: A system and a method for restricting service admission according to a credit level of a user are provided to reduce the occurrence of bad bonds by restricting the subscription and usage of a mobile communication service depending on the credit information of the user. CONSTITUTION: A communication company server(120) compares the credit grade of a corresponding user with a credit limit of a requested service, and the communication server restricts the service subscription of the user according to the comparison result. When a threshold value arrival message is received from a charging server(140), the communication provider server informs a service use stoppage to a corresponding user terminal(100). The charging provider checks over the use fee of the user terminal in real time, and the charging server transmits the critical value reach message to the communication server when the usage fee reaches the credit limit critical value.

Description

System and Method for restricting service admission according to credit level of user}

The present invention relates to a communication service subscription limiting system and method according to the user's credit rating, and more particularly, when the credit limit of the user is insufficient by comparing the credit limit required for the communication service subscription and the credit limit according to the user's credit rating. System and method for restricting subscription to communication service according to the user's credit rating to limit the subscription of the service and to monitor the service charge of the communication terminal in real time and to stop using the service when the charge exceeds the available credit limit It is about.

BACKGROUND With the development of mobile communication technology, mobile communication terminals for using mobile communication services are popularly used. Therefore, the application range of the mobile communication terminal is diversified. In other words, the mobile communication terminal is often used for other purposes than the telephone call function.

Representative functions of the mobile communication terminal may include an alarm function, a wake-up call function, a schedule function, a game function, a karaoke function, and a multimedia function. In particular, with the advent of wireless LAN, it is possible to download and use various kinds of information (for example, video and MP3) after accessing an Internet site using a mobile communication terminal.

Meanwhile, due to the popularization of mobile communication terminals, most people (eg, students, children, etc.) regardless of age are using various services using mobile communication terminals.

Due to the popularity of the mobile communication terminal, it is necessary to provide various functions of the mobile communication terminal according to the management grade (eg, age, credit rating, etc.) of the user.

In the related art, a mobile communication service provider classifies users as good customers or bad customers according to a user's call volume and differentially provides service-related elements (eg, discounts, premiums, etc.).

However, in the related art, bad debts are often generated because the service is provided indiscriminately without considering the creditworthiness of the mobile terminal user.

In addition, due to the nature of the domestic telecommunications market, which is mostly postpaid service, there is a problem that a bad bond occurs due to the generation of excessive charges, and the subsequent business processing is not smooth.

SUMMARY OF THE INVENTION An object of the present invention is to provide a system and method for restricting subscription to a communication service according to a user's credit rating, which can reduce the occurrence of bad debts by restricting subscription to use of the communication service according to the user's credit information.

Another object of the present invention is to monitor the service usage fee of the communication terminal in real time and when the usage fee exceeds the available credit limit, the communication service subscription restriction system according to the user's credit rating that can stop using the service in real time And providing a method.

Another object of the present invention is to subscribe to a communication service according to the user's credit rating that can prevent the excessive use according to the credit rating by managing the available products (rates, additional services, etc.) according to the available credit limit according to the user's credit rating It is to provide a restriction system and method.

Still another object of the present invention is to provide a system and method for restricting subscription to a communication service according to a user's credit rating, which can adjust a usable credit limit by using a fee payment history or deposit payment of a customer using a service.

Another object of the present invention is to compare the credit limit according to the user's credit rating and the credit limit required when subscribing to the communication service, if the user's credit limit is insufficient, the subscription of the communication service according to the user's credit rating limiting the subscription of the service It is to provide a restriction system and method.

It is still another object of the present invention to provide a system and method for restricting communication service subscription according to a user's credit rating, which is possible to subscribe to a corresponding service by depositing a deposit when a user cannot register a service due to a lack of credit limit.

According to an aspect of the present invention in order to achieve the above object, when a communication service subscription request from the communication terminal is requested to calculate the credit level (credit level) of the user and the credit limit (credit limit) for the requested service subscription comparison And limiting the user's subscription to the service according to the comparison result, and receiving a usage fee monitoring request message from the service provider server informing the corresponding user terminal of the service stoppage when the threshold reaching message is received from the charging server. In this case, it is determined whether the credit limit threshold is reached by checking the usage fee of the corresponding user terminal in real time, and if the threshold is reached, a threshold server generates a threshold message and transmits it to the mobile communication server. Restriction on subscription to telecommunication service based on credit rating The system is provided.

The communication service subscription request includes at least one of user information including at least one of a user name, a social security number, and user terminal identification information, new subscription information, a product subscription information including a plan and an additional service.

The credit rating is mapped to credit limits.

When the communication service subscription request is a new subscription service, the telecommunication company server determines a predetermined credit rating, and in the case of a product subscription service, determines a credit rating by using usage history information of the corresponding user.

The usage history information includes at least one of a customer type, a use payment amount, a deposit, a number of times of nonpayment, and an amount of nonpayment.

The telecommunication company server stores a credit limit for each product, and determines a product of the requested service, calculates a credit limit assigned to each of the determined products, and calculates a credit limit for the requested service. do.

The service provider server completes the service subscription of the corresponding user when the credit limit of the requested service is less than the credit limit mapped with the credit rating, and uses the fee monitoring request message including the determined credit rating and user terminal identification information. Create and send to the billing server.

When the credit limit for the service requested to be subscribed is not less than the credit limit mapped with the credit rating, the telecommunication company server transmits a service subscription restriction message for restricting the subscription of the service to the communication terminal.

The service subscription restriction message includes a credit limit required for the service subscription.

The service provider server completes the service subscription of the user when a deposit corresponding to the credit limit required for the service subscription is received by the user whose service subscription is restricted.

The service provider server transmits a service stop notification message to a corresponding user terminal when a threshold arrival message is received from the billing server, and stops using the service when the usage fee of the corresponding user terminal exceeds the credit limit of the credit rating. .

The service provider server switches the stopped service to a normal state when a deposit is received or a predetermined time has elapsed by the terminal user whose service is stopped.

The telecommunication company server analyzes the usage history information of the user terminal at a predetermined predetermined period to adjust the credit rating.

The communication company server adjusts the credit rating according to the received deposit when the deposit acceptance information is received from the charging server.

When the billing server receives a usage fee monitoring request message from the telecommunications company server, the charging server sets a credit limit threshold for the corresponding user terminal using the credit limit of the credit rating included in the message, and uses the real time usage fee of the corresponding user terminal. Check to determine whether the set credit limit threshold is reached.

According to another aspect of the present invention, when a subscription to a communication service is requested from a communication terminal, request and receive credit information of a corresponding user from a credit information providing server, and use a credit level of the corresponding user using the received credit information. ), Calculate a credit limit for the requested service and compare it with the determined credit rating, limit the user's subscription to the service according to the comparison result, and receive a threshold message from the billing server. When received, the service provider server informing the user terminal of the service stop, if the credit information request message is received from the service provider server credit information providing server to extract and provide the user's credit information, the usage fee monitoring from the service provider server If a request message is received, charge the user's fee. A system for restricting subscription to a communication service according to a user's credit rating is provided, which includes checking a user to determine whether a credit limit threshold is reached, and if the threshold is reached, sending a threshold reaching message to the telecommunication company server. .

The credit information request includes at least one of a name, a social security number, an address, and user terminal identification information of the user requesting to join the service.

If the communication service subscription request is a new subscription service, the telecommunication company server determines the credit rating using the credit information, and in the case of a product subscription service, determines the credit rating using the credit information and usage history information of the corresponding user terminal. .

The service provider server completes the service subscription of the corresponding user when the credit limit of the requested service is less than the credit limit mapped with the credit rating, and uses the fee monitoring request message including the determined credit rating and user terminal identification information. Create and send to the billing server.

When the credit limit for the service requested to be subscribed is not less than the credit limit mapped with the credit rating, the telecommunication company server transmits a service subscription restriction message for restricting the subscription of the service to the communication terminal.

The service provider server transmits a service stop notification message to a corresponding user terminal when a threshold arrival message is received from the billing server, and stops using the service when the usage fee of the corresponding user terminal exceeds the credit limit of the credit rating. .

The service provider server switches the stopped service to a normal state when a deposit is received or a predetermined time has elapsed by the terminal user whose service is stopped.

The telecommunication company server requests and receives the credit information of the user from the credit information providing server at a predetermined predetermined period, and adjusts the credit rating by using the received credit information and usage history information of the user terminal.

The communication company server adjusts the credit rating according to the deposit when the deposit acceptance information is received from the charging server.

According to another aspect of the present invention, a credit rating determination rule storage unit storing credit rating determination rule information, a credit rating determination unit for determining a credit rating of a corresponding user when a service subscription is requested from a communication terminal, and the requested service A credit limit calculation unit that calculates a credit limit for the service, and compares the credit rating determined by the credit rating determination unit with the credit limit calculated by the credit limit calculation unit. And a service usage control unit which transmits a service stop notification message to the corresponding user terminal when the use rate exceeds the credit limit of the credit rating determined by the credit rating determination unit as a result of monitoring the use rate of the user determination terminal. For restricting subscription to communication service according to the user's credit rating The gentleman server is provided.

The service provider server may further include a credit information request unit for requesting and receiving credit information of the corresponding user from the communication terminal when a service subscription is requested from the communication terminal.

The telecommunication company server may further include a credit rating adjusting unit configured to adjust a credit rating using at least one of usage history information, deposit deposit information, and credit information of the user terminal.

The credit rating control unit requests and receives credit information of a corresponding user from a credit information providing server at a predetermined period, and uses the received credit information, usage history information of a user terminal, and deposit deposit information to obtain a credit rating. Adjust.

The credit rating determination rule storage unit stores weights and allocation rules of credit rating determining factors, and credit ratings are mapped to credit ratings.

The credit rating determination unit determines a predetermined credit rating according to a rule stored in the credit rating determination rule storage unit when the service subscription request is a new subscription service, and in the case of a product subscription service, the credit rating using the user's usage history information. Determine.

The credit rating determination unit determines the credit rating using the credit information received from the credit information requesting unit according to the rules stored in the credit rating determination rule storage unit when the service subscription request is a new subscription service, and when the product subscription service The credit rating is determined using the credit information and the usage history information of the user.

The credit limit calculation unit stores a credit limit for each product, and determines a product of the requested service and calculates a credit limit for the requested service by calculating a credit limit assigned to each of the determined products.

If the credit limit calculated by the credit limit calculation unit is less than the credit limit mapped with the credit rating determined by the credit rating determination unit, the service subscription approval determination unit completes the service subscription of the corresponding user and identifies the determined credit rating and user terminal. A charge monitoring request message including the information is generated and transmitted to the billing server.

In addition, the service subscription approval determination unit, if the credit limit calculated by the credit limit calculation unit is less than the credit limit mapped with the credit rating determined by the credit rating determination unit, the service subscription restriction message for restricting the user's subscription to the service Transmits to the communication terminal.

The service use control unit transmits a service stop notification message to the corresponding user terminal when the threshold reaching message indicating the arrival of the credit limit threshold of the corresponding user terminal is received from the charging server, and the fee of the corresponding user terminal determines the credit rating. The service shall be suspended if the credit limit of the credit rating determined by the Department is exceeded.

In addition, the service usage control unit connects to the billing server at regular intervals and monitors the usage fee of each user terminal, and if the user terminal whose usage rate reaches the credit limit threshold determined for each user terminal exists as a result of the monitoring, The service usage stop notification message is transmitted to the user terminal, and the use of the service is stopped when the usage fee of the corresponding user terminal exceeds the credit limit determined by the credit rating determination unit.

In addition, the service use control unit switches the stopped service to a normal state when a deposit is received or a predetermined time elapses by the terminal user whose service is stopped.

According to another aspect of the present invention, when a charge fee monitoring request message is received from a billing information database storing a billing information for each user and a communication company server, it is determined whether the credit limit threshold is reached by checking the charge of the corresponding user terminal in real time. And when the determination result reaches a threshold, a fee monitoring unit for transmitting a threshold arrival message to the telecommunication company server, and when the deposit acceptance information is received, updates the charging information of the corresponding user terminal and sends the deposit accommodation information to the telecommunication company server. There is provided a billing server for restricting subscription to a communication service according to a user's credit rating, including a deposit register for transmitting.

The usage fee monitoring unit sets a credit limit threshold for the corresponding user terminal by using the credit limit of the credit rating included in the fee monitoring request message, and checks the real-time usage fee of the corresponding user terminal to reach the set credit limit threshold. Determine whether or not.

According to another aspect of the invention, (a) when the service provider server receives a service subscription request message from the communication terminal, determining the credit level (credit level) of the user, (b) the service provider server the subscription Calculating a credit limit for the requested service and comparing it with the determined credit rating; and (c) the telecommunication company server, as a result of the comparison in step (b), the credit limit for the requested service. If the credit limit is less than the level of the mapping and the service subscription of the user is completed, and transmitting a usage fee monitoring request message to the billing server, (d) the billing server usage fee of the user terminal included in the usage fee monitoring request message Check in real time to determine whether the credit limit threshold is reached, and if the threshold is reached, the threshold is reached. Transmitting the service stop notification message to the corresponding user terminal when the threshold value message is received by the telecommunication company server; and (e) subscribing to the telecommunication service server. Limitation methods are provided.

As a result of the comparison in step (b), if the credit limit for the requested service is not less than the credit limit mapped with the determined credit rating, a service subscription restriction message for restricting service subscription of the corresponding user terminal to the communication terminal. There is provided a communication service subscription limiting method according to the user's credit rating further comprising the step of transmitting.

The communication company server, after the step (e), stopping the use of the service if the usage fee of the user terminal exceeds the credit limit of the credit rating, receiving or scheduling a deposit by the user of the terminal stop using the service If the time has elapsed, there is provided a communication service subscription limiting method according to the user's credit rating, further comprising the step of switching the stopped service to a normal state.

In the step (a), when the service subscription request message is received from the communication terminal, analyzing the service subscription request message, and when the service subscription request is a new subscription service as a result of the analysis, determines a predetermined credit rating and In the case of a product subscription service, determining the credit rating using the usage history information of the corresponding user.

In addition, in the step (a), when the service provider request message is received by the telecommunication company server, transmitting a credit information request message to a credit information providing server, wherein the credit information providing server includes a user included in the credit information request message. Extracting and transmitting the credit information corresponding to the communication service provider server, and determining, by the communication service provider server, a credit rating of the corresponding user using the credit information.

The credit limit threshold is set differently according to the credit level included in the usage fee monitoring request message.

According to another aspect of the present invention, in a method in which a telecommunication company server restricts a communication service subscription according to a user's credit rating, (a) when a service subscription request message is received from a communication terminal, a credit rating of the user is provided. level), (b) calculating a credit limit for the requested service and comparing it with the determined credit rating, and (c) comparing the requested result with the step (b). If the credit limit for the service is less than the credit limit mapped with the determined credit rating, the service subscription of the user is completed and the usage fee monitoring request message is transmitted to the charging server. If the credit limit is not less than the credit limit, the service subscription of the user terminal is not. Transmitting a service subscription restriction message to the communication terminal to limit the credit rating to the user; A communication service subscription limiting method is provided.

When the threshold reaching message is received from the billing server, a method of restricting a subscription of a communication service according to a user's credit rating is further provided.

A method of restricting subscription to a communication service according to a user's credit rating is further provided, further comprising adjusting the determined credit rating when a predetermined period or deposit acceptance information is received from the billing server.

As described above, according to the present invention, it is possible to provide a system and method for restricting subscription to a communication service according to a user's credit rating by limiting subscription to use of a mobile communication service according to a user's credit information. have.

In addition, the present invention provides a system and method for restricting subscription to a communication service according to a user's credit rating, which monitors a service usage fee of a communication terminal in real time and suspends the use of a corresponding service in real time when the fee exceeds the available credit limit. can do.

In addition, the system and method for restricting subscription to communication service according to the user's credit rating can be managed according to the user's credit rating to manage the available products (rate plans, additional services, etc.) according to the available credit limit. Can provide.

In addition, it is possible to provide a system and method for restricting subscription to a communication service according to a credit rating of a user that can adjust a usable credit limit by using a fee payment history or deposit payment storage of a customer using a service.

In addition, when the user's credit limit is insufficient by comparing the credit limit according to the user's credit rating and the credit limit required when subscribing to a mobile communication service, the system and method for restricting the subscription to the communication service according to the user's credit rating Can be provided.

In addition, when a user cannot subscribe to a service due to insufficient credit limit, the present invention may provide a system and method for restricting a subscription to a communication service according to a credit rating of a user who can subscribe to a corresponding service by storing a deposit.

Details of the above-described objects and technical configurations of the present invention and the effects thereof according to the present invention will be more clearly understood by the following detailed description based on the accompanying drawings.

1 is a diagram showing the configuration of a communication service subscription restriction system according to a user's credit rating according to an embodiment of the present invention.

 Referring to FIG. 1, a communication service subscription limiting system according to a user's credit rating may serve a corresponding user according to a communication terminal 100 receiving a user's communication service subscription information and a service subscription request from the communication terminal 100. The service provider server 120 to be subscribed to includes a charging server 140 storing user-specific charging information.

The communication terminal 100 is a terminal that receives product service subscription information such as new subscription service information, a rate plan, and additional services, and may include a terminal installed at a communication terminal distributor, a user terminal (wired or mobile communication terminal), and the like. .

Therefore, the communication terminal 100 may be a wired communication terminal or a mobile communication terminal.

When the communication service subscription information is input, the communication terminal 100 generates a service subscription request message including the entered communication service subscription information and transmits it to the communication company server 120. Here, the communication service subscription information includes user information including a user name, social security number, address, and the like, product information including a rate plan and additional services, and the like. The service subscription request message includes at least one of a user name, a social security number, user information including user terminal identification information, new subscription information, a subscription plan, and product subscription information including additional services.

When the service provider server 120 receives the service subscription request message from the communication terminal 100, the service provider server 120 calculates and compares a credit level of the corresponding user with a credit limit for the service requested to be subscribed to. The user's subscription to the service is restricted according to the comparison result.

That is, when the service subscription request is a new subscription service, the telecommunication company server 120 allocates a credit rating predetermined as a default in advance, and in the case of a product subscription service, credit ratings and usage history information set for the corresponding user. Use to determine your credit rating. In this case, the usage history information includes a customer type, a payment amount used, a deposit, a number of payments, an amount due, and the like.

The telecommunication company server 120 may designate a credit rating set by default according to various characteristics such as a customer type when a user subscribes to a communication service, and the designated credit rating may be set at a predetermined period (eg, monthly) according to a predefined rule. Up and down).

In addition, since the credit limit for each product is stored in the telecommunication company server 120, when a service subscription request message is received from the communication terminal 100, the message is analyzed to determine the requested product to be subscribed to, and the determined respective The credit limit for the service requested for subscription is calculated by calculating the credit limit assigned to the product.

For example, since the credit limit of each product is stored in the form of the international roaming credit limit of 180, the coloring limit of 100, etc., the telecommunication company server 120 calculates the credit limit assigned to each product requested to join. The credit limit for the service requested to be subscribed can be calculated.

In addition, the telecommunication company server 120 compares the credit level (credit limit) of the user's credit level (credit level) and the service requested to join, and limits the user's subscription to the service according to the comparison result.

That is, when the credit limit for the service requested to be subscribed is less than the credit limit mapped with the user credit rating, the telecommunication company server 120 completes the service subscription of the corresponding user, and includes the determined credit rating and user terminal identification information. A usage fee monitoring request message is generated and transmitted to the charging server 140.

If the credit limit for the requested service is not less than the credit limit mapped with the user credit rating, the telecommunication company server 120 generates a service subscription restriction message for restricting the user's subscription to the service. Transmission to the terminal 100. Here, the service subscription restriction message includes a credit limit required for the service subscription, and the telecommunication company server 120 stores a deposit corresponding to the credit limit required for the service subscription by the user whose service subscription is restricted. In this case, the user can complete the service subscription.

For example, a case in which Hong Gil-dong, which has a credit rating of D and a credit limit of 200, requests subscription to international roaming, coloring, and lettering services will be described. Here, it is assumed that the credit limit of international roaming is 180, the credit limit of coloring is 100, and the credit limit of lettering is 0. When the telecommunication company server 120 adds up the credit limit for each product requested to join, the credit limit required for Hong Gil-dong to subscribe to the product is 280.

However, since Hong Gil-dong has a credit limit of 200, an amount corresponding to the credit limit of '80' is required to subscribe to all of the above products. In this case, the telecommunication company server 120 generates a service subscription restriction message indicating that the credit limit required to subscribe to the service '80' and transmits to the communication terminal 100.

Since Hong Gil-dong paid a deposit amount corresponding to the credit limit 80, the communication company server 120 completes the service subscription.

In addition, the telecommunication company server 120 may check the usage fee for each user in real time, and when the usage fee exceeds the available credit limit, the service may be stopped.

That is, the communication service provider server 120 transmits a service stop notification message to the corresponding user terminal when the threshold reaching message is received from the charging server 140, and the credit rating of the user terminal assigned to the user fee is assigned. The service will be suspended if the credit limit is exceeded.

In addition, the communication service provider server 120 converts the stopped service to a normal state and enables the corresponding service when a deposit is received or a predetermined time is elapsed by the terminal user whose service is stopped.

For example, the telecommunications company server 120 manages a user's credit limit on a monthly basis, and automatically switches to a normal state at the beginning of each month so that the service can be used when the user exceeds the available credit limit.

In addition, the telecommunication company server 120 analyzes the use history information of the user terminal at a predetermined predetermined period to adjust the credit rating or to receive the credit rating according to the received deposit when the deposit acceptance information is received from the billing server 140. Adjust.

A detailed description of the communication company server 120 performing the above role will be described with reference to FIG. 2.

When the billing server 140 receives a usage fee monitoring request message from the telecommunication company server 120, the charging server 140 checks the usage fee of the corresponding user terminal in real time to determine whether the credit limit threshold is reached, and reaches the threshold as a result of the determination. In one case, the threshold arrival message is transmitted to the communication company server 120.

Detailed description of the charging server 140 performing the above role will be described with reference to FIG. 3.

FIG. 2 is a block diagram schematically illustrating a configuration of a telecommunication company server shown in FIG. 1.

Referring to FIG. 2, the communication company server 120 corresponds to a credit rating determination rule storage unit 122 storing credit rating determination rule information, a user information database 124 storing user information, and a service subscription request from a communication terminal. A credit rating determination unit 126 for determining a user's credit rating, a credit limit calculation unit 128 for calculating a credit limit for the requested service to be subscribed to, and a credit rating determined in the credit rating determination unit 126 and the credit The service subscription approval determination unit 130, which compares the credit limit calculated by the limit calculation unit and restricts the user's subscription to the service according to the comparison result, monitors the usage fee of the user terminal and determines the credit rating based on the usage fee. Use of the service of sending a service stop notification message to the user terminal when the credit limit of the credit rating determined in the department 126 is exceeded. The control unit 132, the credit rating determination unit 126 includes a credit rating control unit 134 for adjusting the credit rating determined.

The credit rating determination rule storage unit 122 stores weights and allocation rules of credit rating determining factors, and credit ratings are mapped to credit ratings.

The credit rating determination unit 126 determines a predetermined credit rating according to a rule stored in the credit rating determination rule storage unit 122 when the service subscription request is a new subscription service, and uses the user in the case of a product subscription service. The credit rating is determined using the historical information and the deposit receipt information.

The credit limit calculation unit 128 stores a credit limit for each product to determine a product of the requested service and calculate a credit limit assigned to each of the determined products to calculate a credit limit for the requested service. Calculate

The service subscription approval determining unit 130 completes the service subscription of the user when the credit limit calculated by the credit limit calculation unit 128 is less than or equal to the credit limit determined by the credit rating determination unit 126. In addition, a usage fee monitoring request message including the determined credit rating and user terminal identification information is generated and transmitted to the charging server.

In addition, if the credit limit calculated by the credit limit calculation unit 128 is not less than or equal to the credit limit determined by the credit rating determination unit 126, the service subscription approval determining unit 130 corresponds to the corresponding user. The service subscription restriction message for restricting the subscription of the service of the terminal is transmitted to the communication terminal.

The service use control unit 132 transmits a service use stop notification message to the corresponding user terminal when a threshold arrival message indicating the credit limit threshold of the user terminal is received from the charging server.

In addition, the service usage control unit 132 stops the use of the service when the service usage fee exceeds the credit limit of the credit rating determined by the credit rating determination unit 126.

In addition, the service usage control unit 132 connects to the billing server at regular intervals and monitors the usage fee of each user terminal, and if the user terminal reaches a predetermined credit limit threshold for each user terminal as a result of the monitoring, The service usage stop notification message is transmitted to the user terminal, and the use of the service is stopped when the usage fee of the user terminal exceeds the credit limit of the credit rating determined by the credit rating determination unit 126.

In addition, the service use control unit 132 switches the stopped service to a normal state when a deposit or a predetermined time has elapsed by the terminal user whose service is stopped.

For example, the service usage control unit 132 manages the credit limit that can be used on a monthly basis, and automatically switches to the normal state at the beginning of each month to process the service when the credit limit is exceeded.

The credit rating control unit 134 may adjust the credit rating by the administrator, and can increase the credit limit by storing the deposit according to the customer's request to raise the credit rating.

3 is a block diagram schematically showing the configuration of a charging server according to the present invention.

Referring to FIG. 3, the billing server 140 uses a billing information database 142 in which billing information for each user is stored, and a billing fee monitoring for checking a bill of a user in real time when a billing request message is received from a communication company server. The unit 144 may include a deposit registration unit 146 which transmits deposit acceptance information to the telecommunication company server when the deposit is received.

The usage fee monitoring unit 144 checks in real time the usage fee of the user terminal included in the usage fee monitoring request message to determine whether the credit limit threshold is reached, and if the threshold is reached, the threshold value arrival message. Send to the carrier server.

The threshold arrival message includes corresponding user terminal identification information, and the usage fee monitoring request message includes user terminal identification information and a credit rating.

The usage fee monitoring unit 144 sets a credit limit threshold for the user by using the credit limit of the credit rating included in the usage fee monitoring request message, and checks the real-time usage fee of the user to set the credit limit. Determine whether the threshold is reached.

4 is a flowchart illustrating a communication service subscription limiting method according to a user's credit rating according to an embodiment of the present invention.

Referring to FIG. 4, when communication service subscription information is input (S400), the communication terminal transmits a service subscription request message including the input communication service subscription information to a communication company server (S402).

Then, the telecommunication company server determines the credit level (credit level) of the user by using the communication service subscription information included in the service subscription request message (S404).

That is, the communication company server analyzes the service subscription request message, and determines that the service subscription request is a predetermined credit rating when the service subscription request is a new subscription service, and in the case of a product subscription service, using the usage history information of the corresponding user. Determine your credit rating.

After the execution of the S404, the communication company server calculates a credit limit (credit limit) for the requested service subscription (S406) and compares with the determined credit rating (S408).

As a result of the comparison of S408, when the credit limit of the requested service is less than or equal to the determined credit level, the telecommunication company server stores the communication service subscription information (S410), and completes a service subscription to the communication terminal. Transmit (S412).

Then, the telecommunication company server generates a usage fee monitoring request message including the determined credit rating and transmits it to the charging server (S414).

Then, the billing server checks in real time the user fee included in the usage fee monitoring request message (S416) and determines whether the fee has reached a credit limit threshold (S418). The credit limit threshold may be a value obtained by using a credit rating included in the usage fee monitoring request message.

When the usage fee reaches the credit limit threshold as a result of the determination of S418, the charging server generates a threshold arrival message including user terminal identification information and transmits the threshold arrival message to the telecommunication company server (S420).

Then, the communication company server transmits a service use stop notification message to the user terminal included in the message (S422).

After the execution of the S422, the service provider server forcibly stops using the service when the user's fee exceeds the credit limit of the credit rating.

If the credit limit of the requested service is not less than the credit limit mapped with the determined credit rating, the service provider server sends a service subscription restriction message to restrict service subscription of the corresponding user terminal. Transmission to the terminal (S424). If the credit limit is insufficient to subscribe to the service, the user can subscribe to the service by depositing a deposit.

5 is a flowchart illustrating a method of adjusting a credit rating of a user by a telecommunication company server according to the present invention.

Referring to FIG. 5, when the telecommunication company server has a predetermined credit rating adjustment cycle for each user terminal (S500), the telecommunication company server determines a credit rating using the usage history information and the customer type of the corresponding user terminal (S502).

Then, the telecommunication company server updates the previously stored credit rating to the determined credit rating (S504), generates a usage fee monitoring request message including the updated credit rating, and transmits it to the charging server (S506).

If the result of the determination of S500 is that the deposit acceptance information is received instead of the period of adjusting the credit rating (S508), the telecommunication company server adjusts the credit rating according to the corresponding deposit (S510), and performs step 504.

6 is a flowchart illustrating a method of stopping a subscription service according to a usage fee of a user terminal according to the present invention.

Referring to FIG. 6, when the charge server monitoring request message is received from the carrier server (S600), the charging server sets the credit limit threshold using the credit limit of the credit rating included in the message (S602).

The billing server then checks in real time the usage fee of the user terminal included in the message (S604) to determine whether the usage fee has reached the set credit limit threshold (S606).

When the usage fee reaches the credit limit threshold as a result of the determination in step 606, the charging server transmits a threshold arrival message including user terminal identification information to the telecommunication company server (S608).

Then, the communication company server transmits a service use stop notification message to the user terminal included in the message (S610).

After performing S610, the mobile telecommunication company server determines whether the usage fee of the corresponding user terminal exceeds the credit limit of the credit rating (S612).

If the usage fee exceeds the credit limit as a result of the determination in S612, the mobile telecommunication company server forcibly stops the service subscribed to by the corresponding user terminal (S614).

The communication company server converts the stopped service to a normal state when a deposit is received or a predetermined time has elapsed by the user of the terminal whose service is stopped.

7 is a diagram showing the configuration of a communication service subscription restriction system according to a user's credit rating according to another embodiment of the present invention.

Referring to FIG. 7, the communication service subscription limiting system according to the credit rating of the user may serve the user according to the communication terminal 700 receiving the user's communication service subscription information and the service subscription request from the communication terminal 700. The service provider server 720 to be subscribed to, the charging server 740 in which charging information for each user is stored, and a credit information providing server 760 which provides credit information of a user.

Since the communication terminal 700 and the charging server 740 are the same as those shown in FIG. 1, a description thereof will be omitted.

The service provider server 720 generates and transmits a credit information request message for requesting credit information of the corresponding user to the credit information providing server 760 when a service subscription request is requested from the communication terminal 700. The credit information of the user is received from the provision server 760. The credit information request message includes a name, a social security number, etc. of the user who requested the service subscription.

In addition, the telecommunication company server 720 determines the credit level (credit level) of the user using the received credit information, and calculates the credit limit (credit limit) for the service requested to join the determined credit rating And the user's subscription to the service according to the comparison result.

That is, the service provider server 720 determines the credit rating using the credit information when the service subscription request is a new subscription service, and determines the credit rating by using the credit information and usage history information when the product subscription service is used. do.

At this time, the carrier server 720 determines the credit rating based on the weighting factor and allocation rules for each credit rating determination factor, even if the customer with the same credit information can be given a different weight depending on the customer type, all of these functions It is managed through rules.

For example, if the customer type is 'personal' and the credit information is '1,000 points', the mobile carrier server assigns a credit rating D (credit limit 200), the customer type is 'VIP' and the credit information is '1,000 points'. Is assigned a credit rating of C (credit limit 400).

In addition, the communication company server 720 compares the credit level (credit limit) of the user's credit level (credit level) and the service requested to join, and limits the user's subscription to the service according to the comparison result.

In addition, the communication company server 720 requests and receives the credit information of the user from the credit information providing server at a predetermined period, and adjusts the credit rating by using the received credit information and usage history information of the user terminal. do.

The credit information providing server 760 extracts and provides credit information of a corresponding user when a credit information request message is received from the communication company server 720.

FIG. 8 is a block diagram schematically illustrating a configuration of a telecommunication company server shown in FIG. 7.

Referring to FIG. 8, the communication company server 720 requests credit information from a credit rating decision rule storage unit 722 storing credit rating decision rule information, a user information database 724 storing user information, and a credit information providing server. Receiving credit information request unit 725, credit rating determination unit 726 for determining the credit rating of the user requested to join the service, credit limit calculation unit 728 for calculating the credit limit for the service requested to join, A service subscription approval determination unit 730 that compares the credit rating determined by the credit rating determination unit 726 with the credit limit calculated by the credit limit calculation unit 728 and restricts the user's subscription to the service according to the comparison result. In response to monitoring the usage fee of the user terminal, if the credit limit of the credit rating determined by the credit rating determination unit is exceeded, the user terminal stops using the service. The service usage control unit 732 for transmitting the message, and the credit rating control unit 734 for adjusting the credit rating determined by the credit rating determination unit 726.

The credit rating control unit 734 requests and receives credit information of the user from a credit information providing server at a predetermined period, and uses at least one of the received credit information, usage history information of the user terminal, and deposit deposit information. Adjust your credit rating.

If the service subscription request is a new subscription service, the credit rating determination unit 726 uses the credit information received from the credit information request unit according to the rules stored in the credit rating determination rule storage unit 722 to determine a credit rating. In the case of a product subscription service, the credit rating is determined using the credit information and usage history information of the corresponding user.

Since the other components are the same as those shown in FIG. 2, the description thereof will be omitted.

9 is a flowchart illustrating a communication service subscription limiting method according to a user's credit rating according to another embodiment of the present invention.

9, when communication service subscription information is input (S900), the communication terminal transmits a service subscription request message including the input communication service subscription information to the mobile communication company server (S902).

Then, the mobile telecommunication company server generates a credit information request message including the user information included in the service subscription request message and transmits to the credit information providing server (S904).

The credit information providing server extracts the credit information of the user included in the credit information request message and transmits the credit information to the mobile communication company server (S906).

Then, the mobile telecommunication company server determines the credit level (credit level) of the user using the credit information (S904).

Then, since S910 to S928 correspond to S406 to S424 described with reference to FIG. 4, the description thereof will be omitted.

As such, those skilled in the art will appreciate that the present invention can be implemented in other specific forms without changing the technical spirit or essential features thereof. Therefore, the above-described embodiments are to be understood as illustrative in all respects and not as restrictive. The scope of the present invention is shown by the following claims rather than the detailed description, and all changes or modifications derived from the meaning and scope of the claims and their equivalents should be construed as being included in the scope of the present invention. do.

As described above, a system and method for restricting subscription to a communication service according to a user's credit rating according to the present invention can be used for a technology that can prevent bad debts by restricting usage fee and product subscription according to a customer's credit rating when providing a communication service. have.

1 is a view showing the configuration of a communication service subscription restriction system according to a user's credit rating according to an embodiment of the present invention.

FIG. 2 is a block diagram schematically showing the configuration of a telecommunication company server shown in FIG.

Figure 3 is a block diagram schematically showing the configuration of a charging server according to the present invention.

4 is a flowchart illustrating a communication service subscription limiting method according to a user's credit rating according to an embodiment of the present invention.

5 is a flowchart illustrating a method of adjusting a credit rating of a user by a telecommunication company server according to the present invention.

6 is a flowchart illustrating a method of stopping a subscription service according to a usage fee of a user terminal according to the present invention.

7 is a view showing the configuration of a communication service subscription restriction system according to a user's credit rating according to another embodiment of the present invention.

8 is a block diagram schematically showing the configuration of a telecommunication company server shown in FIG.

9 is a flowchart illustrating a communication service subscription limiting method according to a user's credit rating according to another embodiment of the present invention.

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

100, 700: communication terminal 120, 720: communication company server

122, 722: credit rating determination rule storage unit 124, 724: user information DB

126, 726: Credit Rating Decision Unit 128, 728: Credit Limit Calculator

130, 730: service subscription approval determination unit 132, 732: service use control unit

134, 734: credit rating regulator 140, 740: billing server

142: billing information DB 144: charge monitoring unit

146: Deposit Register 760: Credit Information Providing Server

725: Credit Information Request Department

Claims (43)

If a communication service subscription is requested from the communication terminal, the credit level of the user and the credit limit for the service requested to be subscribed are calculated and compared, and the user's subscription to the service is restricted according to the comparison result. And a service provider server informing the user terminal of service stoppage when a threshold arrival message is received from the charging server. When the usage fee monitoring request message is received from the telecommunications company server, the billing server that checks the usage fee of the corresponding user terminal in real time and generates a threshold value arrival message when the usage fee reaches the credit limit threshold, and transmits it to the telecommunication company server. ; Communication service subscription restriction system according to the user's credit rating, including. The method of claim 1, If the communication service subscription request is a new subscription service, the service provider server determines a predetermined credit rating, and in the case of a product subscription service, the credit rating is determined using the usage history information of the corresponding user terminal. System for restricting subscription to telecommunications services by class. The method of claim 2, The usage history information is limited to the communication service subscription system according to the user's credit rating, characterized in that it comprises at least one of the customer type, use payment amount, deposit, number of unpaid amount, the amount due. The method of claim 1, The telecommunication company server stores a credit limit for each product, and determines a product of the service requested to be subscribed to, and calculates a credit limit for the service requested to be subscribed by calculating a credit limit assigned to each of the determined products. Communication service subscription restriction system according to the user's credit rating. The method of claim 1, The service provider server completes the service subscription of the corresponding user terminal when the credit limit of the service requested to be subscribed is less than or equal to the calculated credit rating and monitors a usage fee including the determined credit rating and user terminal identification information. And a request message is generated and transmitted to the billing server. The method of claim 1, The service provider server transmits a service subscription restriction message for limiting service subscription to the communication terminal when the credit limit for the service requested to be subscribed is not less than the credit limit mapped with the calculated credit rating. System for restricting subscription to telecommunication services based on credit rating. The method of claim 1, The service provider server completes the service subscription of the user terminal when the deposit corresponding to the credit limit required for the service subscription is received from the terminal user whose service subscription is restricted. Limiting system. The method of claim 1, The service provider server transmits a service stop notification message to a corresponding user terminal when a threshold arrival message is received from the billing server, and stops using the service when the usage fee of the corresponding user terminal exceeds the credit limit of the credit rating. Communication service subscription restriction system according to the user's credit rating. The method of claim 1, The telecommunication company server is a communication service subscription restriction system according to the user's credit rating, characterized in that when the deposit of the deposit by the user of the terminal user stop using the service or a predetermined time has elapsed, the service is switched to the normal state. The method of claim 1, The telecommunication company server analyzes the usage history information of the user terminal at a predetermined period of time to adjust the credit rating according to the user's credit rating, characterized in that for adjusting the credit rating. The method of claim 1, And the communication company server adjusts the credit rating according to the received deposit when the deposit acceptance information is received from the charging server. The method of claim 1, When the billing server receives a usage fee monitoring request message from the telecommunications company server, the charging server sets a credit limit threshold for the corresponding user terminal using the credit limit of the credit rating included in the message, and sets the usage fee of the corresponding user terminal in real time. And check whether the usage fee has reached the set credit limit threshold. When a communication service subscription is requested from a communication terminal, the credit information of the user is requested and received by the credit information providing server to determine a credit level of the user, and a credit limit for the requested service is provided. A service provider server for limiting the user's subscription to the service according to a result of the comparison, and notifying the user terminal of the service stop when the threshold arrival message is received from the billing server; A credit information providing server extracting and providing credit information of a corresponding user when a credit information request message is received from the communication company server; and When the usage fee monitoring request message is received from the telecommunications company server, the billing server that checks the usage fee of the corresponding user terminal in real time and generates a threshold value arrival message when the usage fee reaches the credit limit threshold, and transmits it to the telecommunication company server. ; Communication service subscription restriction system according to the user's credit rating, including. The method of claim 13, The credit information request is a communication service subscription restriction system according to the user's credit rating, characterized in that it comprises at least one of a user's name, social security number, address, user terminal identification information requesting to join the service. The method according to claim 13, The telecommunications company server communication service subscription limiting system according to the user's credit rating, characterized in that for switching the service to a normal state when a deposit payment or a predetermined time elapsed by the terminal user whose service is suspended. The method of claim 13, The communication company server requests and receives the credit information of the user from the credit information providing server at a predetermined predetermined period, and adjusts the credit rating by using the received credit information and usage history information of the user terminal. System for restricting subscription to telecommunication services according to the user's credit rating. The method of claim 13, And the communication company server adjusts the credit rating according to the deposit when the deposit acceptance information is received from the charging server. A credit rating rule storing unit storing credit rating rule information; A credit rating determination unit that determines a credit rating of a corresponding user when a service subscription is requested from a communication terminal; A credit limit calculation unit for calculating a credit limit for the requested service; A service subscription approval determination unit that compares the credit rating determined by the credit rating determination unit with the credit limit calculated by the credit limit calculation unit and controls the service subscription of the corresponding user terminal according to the comparison result; and A service usage control unit for transmitting a service stop notification message to the corresponding user terminal when the usage rate of the user terminal is monitored and the usage rate exceeds the credit limit of the credit rating determined by the credit rating determination unit; Carrier server for restricting the communication service subscription according to the user's credit rating. The method of claim 18, The service provider server for limiting the subscription to the communication service according to the user's credit rating further comprises a credit information request unit for requesting to receive the credit information of the user to the credit information providing server, if the service subscription request from the communication terminal. The method of claim 18, Carrier server for limiting the subscription to the communication service according to the user's credit rating further comprises a credit rating adjusting unit for adjusting the credit rating using at least one of usage history information, deposit storage information, credit information of the user terminal. The method of claim 18, The credit rating control unit requests and receives credit information of a corresponding user from a credit information providing server at a predetermined period, and uses the received credit information, usage history information of a user terminal, and deposit deposit information to obtain a credit rating. Carrier server for restricting the communication service subscription according to the user's credit rating, characterized in that for adjusting. The method of claim 18, The credit rating decision rule storage unit stores weights and allocation rules of credit rating decision factors, and each credit rating is mapped to a credit limit. . The method of claim 18, The credit rating determination unit determines a predetermined credit rating according to a rule stored in the credit rating determination rule storage unit when the service subscription request is a new subscription service, and uses the usage history information of the corresponding user terminal in the case of a product subscription service. Carrier server for limiting the subscription to the communication service according to the user's credit rating, characterized in that for determining the rating. The method of claim 18, The credit rating determination unit determines the credit rating using the credit information received from the credit information requesting unit according to the rules stored in the credit rating determination rule storage unit when the service subscription request is a new subscription service, and credits for the product subscription service. And a service provider server for limiting subscription to a communication service according to a user's credit rating, wherein the credit rating is determined using information and usage history information of the corresponding user terminal. The method of claim 18, The credit limit calculation unit stores a credit limit for each product, and determines a product of the requested service and calculates a credit limit for the requested service by calculating a credit limit assigned to each of the determined products. Carrier server for restricting the subscription to the communication service according to the user's credit rating. The method of claim 18, The service subscription approval determination unit completes the service subscription of the corresponding user terminal when the credit limit calculated by the credit limit calculation unit is less than the credit limit mapped with the credit rating determined by the credit rating determination unit, and the determined credit rating and user terminal Carrier server for limiting the subscription to the communication service according to the user's credit rating, characterized in that to generate a charge monitoring request message containing the identification information and transmit to the billing server. The method of claim 18, If the credit limit calculated by the credit limit calculation unit is not less than the credit limit mapped to the credit rating determined by the credit rating determination unit, the service subscription approval determining unit receives a service subscription restriction message that restricts the service subscription. Carrier server for limiting the communication service subscription according to the user's credit rating, characterized in that for transmitting to. The method of claim 18, The service use control unit transmits a service stop notification message to the corresponding user terminal when the threshold reaching message indicating the arrival of the credit limit threshold of the corresponding user terminal is received from the charging server, and the fee of the corresponding user terminal determines the credit rating. Carrier server for restricting the subscription to the communication service according to the user's credit rating, characterized in that the use of the service is stopped if the credit limit of the credit rating determined by the Department. The method of claim 18, The service usage control unit connects to the billing server at regular intervals and monitors the usage fee of each user terminal, and if the user terminal whose usage rate reaches the credit limit threshold determined for each user terminal exists as a result of the monitoring, the corresponding user terminal A communication service according to the user's credit rating, by sending a service stop notification message to the user and suspending the use of the service if the user fee exceeds the credit limit of the credit rating determined by the credit rating determination unit. Carrier server for subscription restriction. The method of claim 18, The service use control unit is a carrier for limiting the subscription to the communication service according to the user's credit rating, characterized in that for changing the service to the normal state, if the deposit or the predetermined time elapsed by the terminal user whose service is suspended server. A charging information database storing charging information for each user terminal; When the usage fee monitoring request message is received from the communication company server, the usage fee of the corresponding user terminal is checked in real time to determine whether the credit limit threshold is reached, and when the determination result is reached, the threshold arrival message is transmitted to the communication company server. To charge the monitoring unit; and A deposit registration unit for updating the charging information of the corresponding user terminal when the deposit acceptance information is received and transmitting the deposit acceptance information to the communication company server; Billing server for restricting the communication service subscription according to the user's credit rating. The method of claim 31, wherein The threshold reaching message includes a user terminal identification information, characterized in that the charging server for limiting the communication service subscription according to the user's credit rating. The method of claim 31, wherein The charge monitoring request message is a billing server for limiting the subscription to the communication service according to the user's credit rating, characterized in that it comprises a user terminal identification information and a credit rating. The method of claim 31, wherein The usage fee monitoring unit sets a credit limit threshold for the corresponding user terminal by using the credit limit of the credit rating included in the fee monitoring request message, and checks the real-time usage fee of the corresponding user terminal to reach the set credit limit threshold. Billing server for limiting the subscription to the communication service according to the user's credit rating, characterized in that determining whether or not. (a) when the service provider server receives the service subscription request message from the communication terminal, determining a credit level of the corresponding user; (b) the telecommunication company server calculating a credit limit for the requested service and comparing it with the determined credit rating; (c) If the telecommunication service provider server completes the service subscription of the corresponding user terminal when the credit limit for the requested service is less than the credit limit mapped with the determined credit level, as a result of the comparison in step (b) Transmitting a monitoring request message; (d) the billing server checks in real time the usage fee of the user terminal included in the usage fee monitoring request message to determine whether the credit limit threshold is reached, and if the threshold is reached, sends the threshold arrival message to the telecommunication company server. Transmitting; and (e) transmitting a service stop notification message to the user terminal when a threshold arrival message is received by the telecommunication company server; How to restrict communication service subscription according to the user's credit rating, including. 36. The method of claim 35 wherein If the credit limit for the requested service is not less than the credit limit mapped with the determined credit level as a result of the comparison in step (b), transmitting a service subscription restriction message for limiting service subscription to the user terminal; Method for restricting the communication service subscription further according to the user's credit rating. 36. The method of claim 35 wherein Stopping the use of the service by the telecommunication company server after the step (e), when the fee of the user terminal exceeds the credit limit of the credit rating; Method of limiting the communication service subscription according to the user's credit rating further comprising the step of switching the stopped service to the normal state when the deposit received or a predetermined time has elapsed by the user of the terminal has stopped using the service. . 36. The method of claim 35 wherein In step (a), Analyzing a service subscription request message when a service subscription request message is received from the communication terminal; And determining that the service subscription request is a predetermined credit rating when the service subscription request is a new subscription service, and determining a credit rating by using usage history information of the corresponding user terminal in the case of a product subscription service. To restrict telecommunications service subscriptions based on your credit rating. 36. The method of claim 35 wherein In step (a), When the service provider server receives a service subscription request message, transmitting a credit information request message to a credit information providing server; Extracting, by the credit information providing server, credit information corresponding to a user included in the credit information request message to the telecommunication company server; And determining, by the telecommunication company server, the credit rating of the corresponding user by using the credit information. 36. The method of claim 35 wherein The credit limit threshold is set differently according to the credit rating of the user, characterized in that set according to the credit rating included in the usage fee monitoring request message. In the method that the carrier server restricts the communication service subscription according to the user's credit rating, (a) determining a credit level of a corresponding user when a service subscription request message is received from a communication terminal; (b) calculating a credit limit for the requested service and comparing it with the determined credit rating; and (c) If the credit limit for the requested service is less than the credit limit mapped to the determined credit rating as a result of the comparison in step (b), complete the user's service subscription and transmit a usage fee monitoring request message to the billing server. And transmitting a service subscription restriction message to a corresponding user terminal, the service subscription restriction message for limiting service subscription when the credit rating is not less than the credit limit mapped with the credit rating. How to restrict communication service subscription according to the user's credit rating, including. The method of claim 41, wherein And transmitting a service stop notification message to the user terminal when a threshold arrival message is received from the billing server. The method of claim 41, wherein And adjusting the determined credit rating when a predetermined period of time or deposit acceptance information is received from the charging server.

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