KR20110078838A - Mobile billing method using ars and the system - Google Patents

Abstract

PURPOSE: A mobile billing method using an ARS and a system for the same are provided to obtain an allowance for the ARS server use even a user does not operating a separate ARS server. CONSTITUTION: A call is established between a franchise server and a mobile terminal(10) by the request of a franchise server(20). A call forward request is received from a payment relay server which receives the call forward request from the franchise server. An ARS guide is performed to a mobile terminal by performing the call forward. The settlement request is received from the mobile terminal and an Authentication and the payment are requested to the payment relay server.

Description

 Mobile payment method and system using ALS {MOBILE BILLING METHOD USING ARS AND THE SYSTEM}

The present invention relates to a mobile payment method and system using ARS, and more specifically, it is possible to guide and perform payment information through ARS connection by call transfer in a call process between an affiliated agent and a customer, and further separate ARS The present invention relates to a mobile payment method and system using ARS, in which an operator who does not operate a server can use a mobile payment method using ARS by receiving an ARS server from an ARS server operator.

Recently, payment methods in place of spot currency have been widely used. This has made possible the creation of an environment for electronic commerce such as the Internet, the dissemination of cash dispensers having various functions, the dissemination of mobile communication terminals, and the activation of financial transactions.

An alternative to physical currency is electronic money, which is widely used on the Internet. However, as in the case of actual money transactions such as cash and electronic money, card payments, micropayments using mobile phone bills and bank transfers are used. In particular, in the case of account transfer, it is possible to use 24 hours a day by using devices such as an ATM, a mobile phone, and the Internet without visiting a bank as in the past. Such card payments, micropayments, and bank transfers are increasingly used as online stores and online services on the Internet become active.

The payment method using the mobile phone has the advantage that even those who do not have a separate cash or credit card usually carry their own mobile phone, so they do not accidentally carry the mobile phone.

However, the payment method using such a mobile phone should be downloaded and installed in a user's mobile phone by downloading a separate application and certificate, and used for a buyer who has weak eyesight, such as an elderly person who is unfamiliar with the use of the keypad such as inputting a lot of information through a small screen. There are a lot of difficulties.

Under these circumstances, franchisees often have telephone consultations with customers who have a payment. In this case, even if the customer tries to make a payment, there have been many difficulties in payment, such as the need to hang up a call and request the payment again using a mobile phone. .

The present invention has been made to solve the above problems of the prior art as described above, the purpose is that the guidance and payment of payment information through the ARS connection by transfer in the call process between the merchant agent and the customer is possible The present invention provides a mobile payment method using ARS.

It is another object of the present invention to provide a mobile payment system using ARS capable of guiding and performing payment information through ARS access by a call transfer in a call process between a merchant counselor and a customer.

The technical problem of the present invention as described above is achieved by the following means.

(1) (a) establishing a mobile terminal period call with the affiliated server at the request of the affiliated server;

(b) receiving a call transfer request from a payment relay server that is requested to transfer a call from an affiliated store server, performing a call transfer, and performing ARS guidance to the mobile terminal;

(c) receiving a payment request from a mobile terminal and requesting authentication and payment to a payment relay server;

(d) receiving an authentication / payment approval result from the payment relay server and performing a call transfer between the mobile terminal and the affiliate server;

Mobile payment method using ARS mediated transfer including a.

(2) The method according to claim 1,

Mobile payment method using the ARS-mediated transfer, characterized in that receiving the unique identification number from the mobile terminal in step (c).

(3) The mobile payment method according to claim 1, further comprising the step of receiving a password from the mobile terminal in step (c).

(4) (a) receiving a call transfer request between a mobile terminal and an ARS server from a merchant server and requesting a call transfer to the ARS server;

(b) receiving an authentication and payment request from an ARS server that receives a payment request from a mobile terminal, and performing the authentication and payment request to a payment server; And

(c) receiving the authentication / payment approval result from the payment server and transmitting the authentication / payment approval result to a merchant server and an ARS server;

Mobile payment method using ARS mediated transfer including a.

(5) The method according to 4,

The method of claim (c) further comprises the step of requesting a call transfer between the mobile terminal and the merchant server to the ARS server.

(6) A mobile payment system using an ARS mediated call transfer comprising an ARS server performing the process of paragraph 1 and a payment relay server performing the process of paragraph 4.

As described in detail in the above embodiment, since the present invention performs the payment through the mobile terminal of the customer receiving the ARS guidance, it is possible to guide and perform the payment information only by accessing the ARS, while viewing the mobile terminal screen one by one. There is no need to enter information. Furthermore, according to the present invention, any operator who does not operate a separate ARS server can use the mobile payment method using the ARS according to the present invention by a method of allowing the ARS server operator to use the ARS server.

The present invention

(a) establishing a mobile terminal duration call with the affiliated server according to a request of the affiliated server;

(b) receiving a call transfer request from a payment relay server that is requested to transfer a call from an affiliated store server, performing a call transfer, and performing ARS guidance to the mobile terminal;

(c) receiving a payment request from a mobile terminal and requesting authentication and payment to a payment relay server;

(d) receiving an authentication / payment approval result from the payment relay server and performing a call transfer between the mobile terminal and the affiliate server;

It includes a mobile payment method using the ARS mediated transfer including a.

Also,

(a) receiving a call transfer request between a mobile terminal and an ARS server from a merchant server and requesting a call transfer to the ARS server;

(b) receiving an authentication and payment request from an ARS server that receives a payment request from a mobile terminal, and performing the authentication and payment request to a payment server; And

(c) receiving the authentication / payment approval result from the payment server and transmitting the authentication / payment approval result to a merchant server and an ARS server;

It includes a mobile payment method using the ARS mediated transfer including a.

Hereinafter, the content of the present invention will be described in detail.

1 is a diagram showing the overall system showing a mobile payment process using the ARS according to the present invention, the mobile terminal 10, the merchant server 20, the payment relay server 30, the payment server 40 and the ARS server 50 )

The mobile terminal 10 performs communication for consulting with an affiliated store server and is a terminal held by a customer to make a payment through ARS. The mobile terminal 10 is connected to the ARS server 50 by the call transfer request of the affiliate server 20.

The affiliate server 20 is a server operated by various shopping mall operators who display and sell goods for customers online or offline. In addition, in the present invention, the terminal used by the merchant counselor constitutes a part of the affiliate server 20. Therefore, when consulting with a customer, the affiliated store server 20 is used to include a terminal used by a counselor for consultation. The merchant server 20 transmits payment information (hereinafter referred to as transaction registration information) including the mobile terminal number of the customer and the payment amount to the payment relay server 30, and the mobile terminal 10 and the ARS server. Request transfer between 50, and receives the authentication / payment results from the payment relay server (30).

The payment relay server 30 is typically a server operated by a payment gateway (PG) company that acts for electronic payment on the Internet. The payment relay server 30 is connected to the merchant server 20 and the payment server 40 through a network to perform a process related to electronic payment. And relays the authentication / payment process between the mobile terminal 10 and the affiliated store server 30 through the ARS server 50. The payment relay server 30 compares the mobile terminal numbers received from the affiliated store server 20 and the ARS server 50 to perform authentication and inquires the payment information received from the affiliated store server 20. To the ARS server 50. In addition, in response to the authentication / payment request for the payment process received from the ARS server 50, the payment server 40 requests authentication / payment for the order, and receives the result thereof, the merchant server 20 and the ARS server ( 50).

The payment server 40 is a server operated by a credit card company, a mobile communication company, or a financial institution that performs authentication and payment in relation to the payment process between the customer and the merchant. The server performs an authentication / payment approval service regarding payment with the payment relay server 30.

The ARS server 50 performs a call setup between the mobile terminal 10 and the affiliate server 20 of the customer and the call transfer between the mobile terminal 10, and between the mobile terminal 10 and the payment relay server 30. In the process of performing the payment process to provide the information received from the payment relay server 30 as ARS voice information performs an interface function for providing convenience to the payment process of the buyer. In the present invention is particularly significant in that it can provide the ARS service for a plurality of payment institutions or payment relay agencies that can not independently build ARS system with only one ARS server 50.

In the mobile payment system using ARS according to the present invention as described above, in addition to the above components, various physical facilities such as a base station, a relay station, a control station, and a communication network are required for mobile communication. It will be appreciated by those skilled in the art that, although omitted from the description of the present invention, any known equipment necessary for the physical implementation of the system may be included.

2A is a flowchart illustrating a mobile payment process using ARS mediated by transfer according to a first embodiment of the present invention.

Merchant server 20 transmits the scheduled payment information (hereinafter referred to as scheduled transaction registration information) including the mobile terminal number, the scheduled payment amount of the customer to contact the payment relay server 30, the payment relay server 30 Registers the scheduled transaction registration information received from the affiliate server 20.

The merchant server 20 requests a call setup to the mobile terminal 10 of the customer via the ARS server 50, and when the call is established with the mobile terminal 10, the merchant server 20 pays with the customer. Carry out relevant consultation.

If the customer agrees to pay in the counseling process, the affiliated agent counselor makes a call between the mobile terminal 10 and the affiliated server 20 to enable ARS consultation to the payment relay server 30 through the affiliated server 20. A call transfer request is made between the mobile terminal 10 and the ARS server 50.

The payment relay server 30 receiving the call transfer request from the affiliated store server 20 transmits the payment information including the transfer request and the payment amount to the ARS server 50.

The ARS server 50 receiving the payment information ARS guides the payment information including the payment amount to the mobile terminal 10, and together with the announcement requesting to enter a unique identification number of the customer. Transmission to the mobile terminal 10. The unique identification number includes any number that identifies the customer and may be, for example, a social security number, a credit card number or a check card number.

The ARS server 50 which has received a payment request (or a unique identification number) from the mobile terminal 10 transmits an authentication / payment request for payment for the order to the payment relay server 30. To send.

The payment relay server 30 receiving the authentication / payment request requests the approval of the authentication and payment to the payment server 40. In this case, the payment server 40 is a server operated by the mobile carrier when the purchaser requests a payment using a mobile fee, and a server operated by the credit card company when the payment is requested by the credit card. When a payment request is made, the server is operated by a financial institution. This can be done by requesting the buyer to select a payment method through the announcement of the ARS server 50 in the previous step.

The payment server 40 which has received the request for authentication / payment approval of the customer from the payment relay server 30 transmits the result of authentication / payment approval for the request to the payment relay server 30. The payment relay server 30 receiving the result of the authentication / payment approval transmits it to the affiliated store server 20 and the ARS server 50.

The ARS server 50 again performs a call transfer between the mobile terminal 10 and the affiliate server 20 so that a counselor can consult information regarding a payment settlement result requested by the customer. This allows the buyer to easily perform electronic payment through the ARS during a call with an agent with only a minimum amount of information including a unique identification number.

2B is a flowchart illustrating a mobile payment process using ARS mediated by transfer according to a second embodiment of the present invention.

The mobile payment process using the ARS mediated transfer according to the second embodiment of the present invention is a case of performing a transaction registration after consultation, and there is no scheduled transaction registration process as in the first embodiment, and the merchant server and the customer After the consultation, there is a difference in that the merchant server 20 includes a process of requesting a transaction registration in the process of requesting a transfer to the payment relay server 30 and the rest of the process described in the first embodiment. Since the description is the same as the detailed description thereof will be omitted.

3 illustrates an embodiment of a process in which a buyer according to the present invention performs ARS payment using a mobile terminal.

First, the merchant counselor attempts a telephone consultation via the ARS server 50 to the mobile terminal 10 of the customer (the terminal used by the merchant counselor constitutes a part of the merchant server 20) (S301).

In response to the attempt of the counselor, the ARS server 50 sets up a call for a telephone connection between the mobile terminal 10 and the affiliated store server 20 (S302). In the present invention, the ARS server 50 is an example of a server having an integrated function that can perform call setup together. However, control of a call (setup, release, transfer, etc.) may be implemented by other physical devices. It may be included in the ARS server concept of the invention.

If there is a call setup by the ARS server 50, the telephone consultation between the merchant counselor and the customer proceeds (S303).

If there is a payment request from the customer during a telephone consultation between the merchant agent and the customer (S304), the merchant server 20 calls the mobile terminal 10 and the ARS server 50 used by the customer in the payment relay server 30. Request conversion (S305).

In response to this, the payment relay server 30 requests the call transfer between the mobile terminal 10 and the ARS server 50 to the ARS server 50 and simultaneously transmits payment information (S306).

The ARS server 50 receiving the payment information transmits the following announcement 1 to the mobile terminal 10 (S307).

◎ Example of Announcement 1: “The amount you wish to pay is XXXXXXXX. Please press 1 for payment or 0 for counselor. ''

  If the buyer inputs 0 in step 308 using the mobile terminal 10 with respect to the announcement 1, the following announcement 2 is transmitted (S309).

◎ Example of Announcement 2: "Please wait while the agent is on the line"

If the customer enters 1 using the mobile terminal 10 for the guidement 1, the following guidement 3 is requested to input the resident registration number of the customer (S310).

◎ Example of Announcement 3: "Please press 13 digits of your social security number and an asterisk"

In response to this, when the customer inputs the resident registration number using the mobile terminal 10, the following guidement 4 is transmitted (S311).

◎ Example of Announcement 4: “The social security number you entered is XXXXXXXXXXXXX. If it is correct, press 1 or press 2 to correct it. ”

On the other hand, if the customer inputs 2 using the mobile terminal 10 in step 312, the process returns to step 310, and if 1 is input, the ARS server 50 authenticates and authenticates the resident registration number to the payment relay server 30. Request (S313).

In response to the social security number authentication and payment request, the payment relay server 30 transmits the authentication and payment results to the ARS server 50 (S314).

If authentication is successful in step 315, the ARS server 50 transmits the following announcement 5 (S317).

◎ Example of Announcement 5: “Payment is complete. Thank you for using "

On the contrary, if the authentication fails in step 315, the announcement for each failure reason is transmitted (S316).

As can be seen through the above embodiment, the ARS payment process according to the present invention, if you want to make payments in the call process with the merchant counselor, the payment is easily performed using the mobile terminal through the ARS only by inputting minimal input information such as the social security number. In the case of elderly people who are poor at text input, they can easily pay through mobile terminals.

As described above, it has been described with reference to a preferred embodiment of the present invention, but those skilled in the art various modifications and changes of the present invention without departing from the spirit and scope of the invention described in the claims below I can understand that you can.

1 is a block diagram of a mobile payment system using ARS mediated call transfer of the present invention.

2A is a flowchart illustrating a mobile payment process using ARS mediated by transfer according to a first embodiment of the present invention.

2B is a flowchart illustrating a mobile payment process using ARS mediated by transfer according to a second embodiment of the present invention.

3 illustrates an embodiment of a process in which a customer performs payment using ARS using a mobile terminal according to the present invention.

<Code Description of Main Parts of Drawing>

10: mobile terminal

20: Merchant Server

30: Payment relay server

40: payment server

50: ARS server

Claims (6)

(a) establishing a mobile terminal duration call with the affiliated server according to a request of the affiliated server; (b) receiving a call transfer request from a payment relay server that is requested to transfer a call from an affiliated store server, performing a call transfer, and performing ARS guidance to the mobile terminal; (c) receiving a payment request from a mobile terminal and requesting authentication and payment to a payment relay server; (d) receiving an authentication / payment approval result from the payment relay server and performing a call transfer between the mobile terminal and the affiliate server; Mobile payment method using ARS mediated transfer including a. The method of claim 1, Mobile payment method using the ARS-mediated transfer, characterized in that receiving the unique identification number from the mobile terminal in step (c). The method of claim 1, further comprising the step of receiving a password from the mobile terminal in step (c). (a) receiving a call transfer request between a mobile terminal and an ARS server from a merchant server and requesting a call transfer to the ARS server; (b) receiving an authentication and payment request from an ARS server that receives a payment request from a mobile terminal, and performing the authentication and payment request to a payment server; And (c) receiving the authentication / payment approval result from the payment server and transmitting the authentication / payment approval result to a merchant server and an ARS server; Mobile payment method using ARS mediated transfer including a. The method of claim 4, wherein The method of claim (c) further comprises the step of requesting a call transfer between the mobile terminal and the merchant server to the ARS server. A mobile payment system using an ARS mediated transfer including an ARS server performing the process of claim 1 and a payment relay server performing the process of claim 4.

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