CN101034448A - Payment system using prepaid-type terminals and method thereof - Google Patents
Payment system using prepaid-type terminals and method thereof Download PDFInfo
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- CN101034448A CN101034448A CNA2007100800401A CN200710080040A CN101034448A CN 101034448 A CN101034448 A CN 101034448A CN A2007100800401 A CNA2007100800401 A CN A2007100800401A CN 200710080040 A CN200710080040 A CN 200710080040A CN 101034448 A CN101034448 A CN 101034448A
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- G06Q20/00—Payment architectures, schemes or protocols
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- G06Q20/28—Pre-payment schemes, e.g. "pay before"
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- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
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Abstract
The invention discloses a petty paying system using prepayment type terminal and method thereof. The paying system includes: user terminal; content providing server able to be connected to the user terminal; a gateway server connected to the content providing server via network, and requesting attestation for content transaction selected by the user terminal, and approving the content transaction according to the attestation result; attestation server for executing content transaction based on prestored user information corresponding to the user terminal and prepaid paying account information for the user terminal corresponding to the user information notice, and paying content transaction charge using overage of the prepayment paying account, and notifying the gateway server with attestation and payment result.
Description
Technical field
The present invention relates to small amount payment system and method thereof, in particular, relate to and using the payment system and the method thereof of prepaid-type terminals after opening (opening) electronic payment account for the pre-paid terminal being carried out possible payment.
Background technology
Along with the development of recent individual mobile communication terminal, use mobile phone to pay more and more frequent.Fig. 1 is the summary structure by the small amount payment system of traditional back payment terminal.
With reference to figure 1, traditional small amount payment system comprises: user's processing terminal 10; The content providing server 20 that the user can visit by networks such as for example internets; When the authentication request that receives from content providing server 20 user, carry out the gateway server 30 of payment; And carry out and to collect the mobile operator server 40 of the total charge of tranaction costs and communication cost afterwards to user's authentication and finishing transaction (transaction) from gateway server 30 requests.
The terminal that the user holds can be divided into two types terminal: can be connected to the display terminal of content providing server 20 and communication terminal 14 that can small amount payment.Simultaneously, be used under the situation of individual mobile terminal display terminal 12 and communication terminal 14 may overlap each other (overlapped) at display terminal 12.
Common, gateway server 30 is connected to bank server 50 and communication network by VAN server 52.Below for using traditional back payment terminal to carry out the method for payment of content purchase.
At first, being connected in the various contents that the user of content providing server 20 shows chosen content by display terminal 12 on content providing server 20 buys or visits.Then, the user by selecting method of mobile payment is paid with purchase or the visit of request to described content.Content providing server 20 is ratified the total charge of the communication cost of tranaction costs and institute's request content to gateway server 30 requests.And, gateway server 30 have on the display screen of display terminal 12, import about for example user's input of communication terminal number of user ID and authentication information, and after receiving described authentication information to mobile operator server 40 user that requests for permission.
Under the situation of 40 pairs of authentification of users of mobile operator server, gateway server 30 sends the communication terminal 14 of trading approving number to user's input by using the SMS method, and user's input is by the trading approving number of user terminal transmission.Then, the approval number of the trading approving number that gateway server 30 relatively transmits and user input, and it is authenticated.After finishing authentication, can accept the content purchase or the visit of user's request.Gateway server 30 is to the payment of mobile operator server requests approval content business, and mobile operator server 40 is used telephone charge and the total charge of the purchase/use amount of money of content business is notified to gateway server 30.Gateway server 30 is transferred to user terminal 10 and content providing server with the total charge of notice.Therefore, the user can pay the purchase/use amount of money and the telephone charge usefulness of content business simultaneously.
Recently proposed to use the pre-paid type transaction of communication terminal, but mobile operator is owing to the risk of transaction security and credit is reluctant to use the pre-payment transaction.Therefore, the user can not use mobile phone to buy or use any content by pre-paying method.
And pay in the communication cost rather than pay at that time in purchase the next month of using black phone that the PayPal of content purchase/uses price is everlasting after purchases/uses.Therefore, may there are the following problems, promptly content providing server may be after finishing transaction could obtain transaction payment in for a long time.
And even use legacy payment systems to finish payment at that time in transaction, bank's preference is used the fund of banking institution.Therefore, the user can not break away from the excessive interest burden of banking institution.Especially, mobile operator may force users excessively be asked, because they have the user terminal information that is used for authentification of user on mobile communication server.
Summary of the invention
According to one aspect of the invention, use the payment system of user terminal to comprise: user terminal; Can be connected to the content providing server of described user terminal; Be connected to the gateway server of described content providing server by network, described gateway server request authenticates the content business by described user terminal selecting and according to authentication result approval content business; Certificate server, based on previously stored corresponding to described user terminal user profile and corresponding to the information of the pre-payment payment account that is notified to described user terminal of described user profile and carry out the authentication of content business, pay the amount of money that is used for content business from the account amount of money of described pre-payment payment account, and the result notification that will authenticate and pay is given described gateway server.
Described content providing server can comprise: content management database module, the information of storage and control content and content business; The transaction authentication information transmission modular will be transferred to gateway server from the authentication information and the content business of user terminal input; And the payment information receiver module, receive the Payment Request that is used for content business from gateway server.
Gateway server can comprise: module is transmitted in authentication, to the certificate server request transaction authentication information that receives from content providing server is authenticated, and receives authentication result; The payment and settlement module is ratified transaction based on the authentication result of described certificate server, and carries out transaction payment based on described approval.
Described certificate server can comprise: the user management database module, and storage is from the user profile of user terminal input and the information of communication terminal; The payment account database module, the fund reception/extraction of the information of storage pre-payment payment account and control pre-payment payment account; And authentication module, authenticate transaction authentication information from the gateway server request based on canned data in the described user management database module.
Described payment account database module can comprise: the payment account administrative unit, described payment account administrative unit receives a plurality of virtual account from bank server, open the pre-payment payment account of match user information, transmission pre-payment payment account is to the reception and the information extraction of user terminal and control pre-payment payment account; The payment account database is stored the information about the pre-payment payment account that the user is opened.
Another aspect the invention provides the method for payment of using user terminal, and described user terminal is from the notified pre-payment payment account of certificate server.In an example embodiment, described method can comprise usually: can buy chosen content in the content after described user terminal is connected to content providing server, by described user terminal input authentication information, by gateway server transmission about the authentication request of the authentication information of selected content and Transaction Information to described certificate server, determine at described certificate server whether content business is possible, give described gateway server from described certificate server with the result notification of previous step, the payment result of the transaction value of selected content being paid from described certificate server transmission from described pre-payment payment account is described gateway server extremely, and by described gateway server approval transaction.
Description of drawings
Above-mentioned and other feature and advantage of the present invention can be clearer by the following detailed description of with reference to the accompanying drawings example embodiment being carried out, wherein:
Fig. 1 is the brief configuration by the small amount payment system of the tradition back payment of portable terminal;
Fig. 2 is a brief configuration of using the payment system of the user terminal of opening the pre-payment payment account according to the preferred embodiment of the invention;
Fig. 3 is the brief configuration of the gateway server of payment system according to the preferred embodiment of the invention;
Fig. 4 is the brief configuration of the certificate server of payment system according to an embodiment of the invention;
Fig. 5 is a brief configuration of using the payment system of the user terminal of opening the pre-payment payment account in accordance with another embodiment of the present invention;
Fig. 6 is the brief configuration of the certificate server of payment system in accordance with another embodiment of the present invention;
Fig. 7 is the process flow diagram of the step of the concise and to the point payment that shows the content business of realizing being used for user's request according to the preferred embodiment of the invention; And
Fig. 8 is the concise and to the point process flow diagram that deposits the step of certain fund according to the preferred embodiment of the invention to the pre-payment payment account of opening in that shows.
Embodiment
The present invention is more fully described below.Yet the present invention may be embodied as various multi-form, and is not restricted to embodiment given herein.It only is in order to make the disclosure more comprehensively and complete that these embodiment are provided, and these embodiment are to those skilled in the art's comprehensive representation scope of the present invention.
Be to be understood that, when an assembly or the layer be called as " being connected to " or " being coupled to " another assembly or the layer or another assembly or the layer " on " time, it can be located immediately at another assembly or the layer on, directly connect or be coupled to another assembly or the layer or can exist intermediary assembly or the layer.On the contrary, when an assembly be called as " being located immediately at " another assembly or the layer " on " or " being directly connected to " or " being directly coupled to " another assembly or the layer, then do not exist intermediary assembly or the layer.As used herein term " and/or " comprise that one or more relevant lists any of project and all combinations.
Term only is in order to describe specific embodiment as used herein, and does not limit the present invention.Singulative " one " also can comprise most forms as used herein, unless context additionally clearly demonstrates.Further be to be understood that, the term that uses in this instructions " comprises " existence of feature, integral body, step, operation, assembly and/or element that expression is described, but does not get rid of the existence or the interpolation of one or more other features, integral body, step, operation, assembly, element and/or its combination.
Unless special definition comprises that as used herein all terms of technology and scientific terminology have the same meaning of the common understanding of those skilled in the art in the invention institute.Should be appreciated that further the term that for example defines should be understood to have and its consistent meaning of meaning in the association area context in the dictionary of public use, and should not be construed as idealized or too formal meaning, unless clearly definition.
With reference to the present invention, term " pre-payment payment account " expression prepaying charge type communication terminal, thus father's account (parent account) of say so the more specifically account the user opened by certificate server and certificate server is linked.Its ordinary representation user charges into fund and pays the account of the purchase/use of various contents in communication terminal.
" authentication information " comprises that userspersonal information that the user imports (for example user ID number, user prepayment communication terminal number) and pre-payment payment account information (account number and account safety number) need to buy/use the user of any content of content providing server with authentication in payment window.
Term " transaction authentication information " comprises that above authentication information and user ask the content business information (content use/purchasing price and condition thereof or the like) of using/buying.
Especially, the various information that provide by internet or compunication or the like not only are provided the term in this instructions " content ", and comprise by communication network and for example offer user's extensive stock and/or service in internet or the like.Therefore, " content providing server " is appreciated that and comprises by the internet home shopping company of extensive stock and service and traditional content provider (CP) are provided.
The payment system that can carry out content use/purchase on the internet is to use mobile communication terminal to handle the user of pre-payment payment or member and develop at needs.Fig. 2 is the decomposition texture that uses the payment system of the user terminal of opening the pre-payment payment account according to an embodiment of the invention.Use the payment system of the user terminal of pre-paying method to comprise according to an embodiment of the invention: user terminal 110; Can be connected to the content providing server 200 of user terminal 110; Be connected to the gateway server 300 of content providing server 200, gateway server 300 requests authenticate the content business by user terminal selecting, and ratify content business according to authentication result; And certificate server 400, based on corresponding to the information of the user profile of user terminal 110 and pre-payment payment account the authentication request to gateway server 300 carry out authentication, and from pre-payment payment account payment content business/use price.Certificate server 400 can be connected to bank server 550 by VAN server 500.
User terminal 100 can comprise: display terminal 112 provides the content information of server 200 by the display device displaying contents; And communication terminal 114, be connected to payment devices by certificate server 400.Terminal is a kind of typical display terminal 112.And, but any connection device can be connected to content providing server 200 by network, for example, and PDA terminal or mobile telephone terminal or the like individual mobile communication terminal.In some cases, display terminal 112 and communication terminal 114 can be thought to be equal to or independently.
Content providing server 200 can for example show various content informations in internet or the like by communication network on the display device of display terminal 112.Therefore, provide under the situation of server 200 by display terminal 112 accessed contents the user, he can browsing content and purchase/use content.
Content providing server 200 can comprise: content management database module 210, transaction authentication information transmission modular 220 and payment information receiver module 230.
Content management database module 210 can comprise: content data base 212, the information of storage and control content and content business; Information database 214, (operated in membership) storage and control information about firms when content providing server 200 works in member's form; And trading information data storehouse 216, the content information that storage and control user select.
And, under the situation of user's purchase/use certain content, the information that transaction authentication information transmission modular 220 can transmit purchase/use to gateway server 300 with approval purchase/use.Simultaneously, can show that by gateway server 300 payment window is with input authentication information (account number of user ID number, communication terminal number, pre-payment payment account and security number or the like) on the display screen of display terminal 112.The user can be on payment window input authentication information, and transaction authentication information transmission modular 220 sends authentication informations to gateway server 300.After certificate server 400 was confirmed authentication information, payment information receiver module 230 can be ratified purchase/use, and received payment information.
Transaction authentication information transmission modular 220 can comprise: the content business message unit, and the purchase/use information of the content that transmission user is selected is to gateway server 300; And the authentication information transmission unit, the authentication information of transmission user input is to gateway server 300.
And payment information receiver module 230 can comprise: notification unit, by gateway server 300 the pre-payment payment account is being defined as under the effective situation, and notice is opened the trading approving number of (open) and the trading approving number of this transaction arbitrarily; And the payment receiving element, transmit the approval of carrying out from pre-payment payment account payment content business to the payment receiving element by gateway server 300.
Gateway server 300 is a kind of transmission stations, is connected to content providing server 200 and certificate server 400, controls user profile and payment account number by communication interface.Gateway server 300 can be connected at least one in a plurality of content providing servers.
Gateway server can comprise: module 310 is transmitted in authentication, to certificate server 400 requests about the authentication information that receives from content providing server 200 and the authentication of content business information; And payment and settlement module 320, ratify transaction based on the authentication result of certificate server 400 and carry out transaction payment.
The present invention may further include bank server 550 is carried out the VAN server 500 that relaying transmits, and any fund of the father's account under control certificate server 400 and the administrative authentication server 400 deposits in/extracts.VAN server 500 can comprise virtual account transmission module 510 and virtual account management data library module 520.Virtual account is transmitted module 510 can offer (issue) a plurality of virtual account based on father's account of registration in bank server 550 by bank server 550, thereby when carrying out any deposit by the corresponding virtual account or withdrawing deposit, be notified to certificate server 400 and report to bank server 550, and the deposit of the deposit of request and corresponding virtual account or the corresponding father's account of withdrawing the money or withdraw the money.Thereby a plurality of virtual account coupling father accounts that certificate server 400 is opened can be stored and control to virtual account management data library module 520.And bank server 550 may further include father's account management database module, the name storage of a plurality of virtual account of offering to VAN server 500 with certificate server 400 with based on father's account and the information of management father account.
Describe gateway server and certificate server below more in detail.Fig. 3 is the brief configuration of the gateway server of payment system according to the preferred embodiment of the invention, and Fig. 4 is the brief configuration of the certificate server of payment system according to an embodiment of the invention.
Certificate server 300 can comprise authentication transmission module 310 and payment and settlement module 320.
Authentication is transmitted module 310 and can be comprised: authentication information input manager unit 312, transaction authentication transfer unit 314, authentication result receiving element 316 and payment processes result database 318.Authentication information input manager unit 312 can allow the display unit (112 among Fig. 2) of user terminal show payment window the user selects to exist after any content the situation of any Payment Request from the various contents of content providing server 200 under, and allows the display unit of user terminal show authentication window from the various modes of payments of payment window under the situation that the user selects communication terminal to pay.Transaction authentication transfer unit 314 can receive the Transaction Information from the content of user's request payment, and comprises the authentication information of user by 312 inputs of authentication information input manager unit in interior transaction authentication information; The transaction authentication information transmission is arrived certificate server 400; And content business is confirmed in request.And authentication result receiving element 316 can receive the authentication result of being carried out by certificate server 400.Simultaneously, can under the situation of confirming authentification of user and transaction, inform from the payment of the content business of pre-payment payment account to payment processes result database 318 by certificate server 400.
Payment and settlement module 320 can comprise: trading approving unit 322, determining approval transaction under the effective situation of transaction by certificate server 400; And payment and settlement unit 328, with certificate server 400 and content providing server 200 clearing payments.Trading approving unit 322 can comprise: trading approving number notifying unit 324, and temporarily give the trading approving number of transaction by the transmission of SMS method and give communication terminal 114, and carry out window and ratify number to user terminal 112 with input; And trading approving processing unit 326, approval transaction after relatively notice and trading approving number input, and the notice result of approval is to content providing server 200.And payment and settlement unit 328 can be after finishing trading approving be settled accounts from the transaction payment of certificate server 400 transmission based on the result of the content payment of storage in the payment processes result database 318.Simultaneously, transaction payment can have been deducted the fund that certain attorney's fee uses and finished by shifting from the transaction payment that certificate server 400 is transferred accounts.
Can comprise according to certificate server of the present invention: user management database module 410, storage is from the user profile of user terminal input and the information of communication terminal; Payment account database module 420, the fund of the information of storage pre-payment payment account and control pre-payment payment account deposits in/extracts; Authentication module 430 authenticates from the transaction authentication information of gateway server 300 requests based on canned data; And enquiry module 440, in response to inquiry to user profile.
User management database module 410 can comprise: service management unit 412, manage information about firms such as member's number of the input of user for example and user ID; And end message administrative unit 414, the communication terminal number of managing payment mode and pay imformation (disposable toll amount: the situation that is lower than toll amount at recharge amount sends a notice to the minimum amount of communication terminal), pre-payment payment account administrative unit 416, management is transferred to the pre-payment payment account number of pre-payment communication terminal, and this pre-payment payment account number is corresponding to the pre-payment payment account number information of user profile, communication terminal information and user's input; And User Information Database 418, the information of storing subscriber information and pre-payment payment account.
When certificate server 400 according to the present invention works in member's form, user with registered pre-payment payment terminal can use user terminal 110 by for example ARS or internet or the like communication network access certificate server 400, input user ID, personal information be address name and prepaid terminal information for example, and be apprised of its special member number.User with special member number can be easy to utilize member number to login under it need visit the situation of various services.
Payment account database module 420 can comprise: pre-payment payment account notification unit 422, wherein after bank server 550 is offered a plurality of virtual account, opening (open) by VAN server 500, and transmitting it to communication terminal by the SMS method corresponding to the user profile of input and the specific pre-payment payment account of pre-payment payment communication terminal; Pre-payment payment account administrative unit 426, depositing to the pre-payment payment account or existing under the situation of Payment Request of any content business, the purchasing price of extracting the corresponding content transaction from the pre-payment payment account is being managed based on the authentication result of authentication module 430; And pre-payment payment account database 424, the storage and the essential information of managing prepaid payment account, and the deposit of pre-payment payment account and the result of withdrawing the money.
Simultaneously, forget that the user Any user personal information for example licenses to user's member number, offers under the situation of the chargeable service (current toll amount or the like) of pre-payment payment terminal or payment account (pre-payment payment account number and security number thereof), enquiry module 440 can notify any corresponding informance to the display terminal in communication terminal and the certificate server 400 after confirming the user.Enquiry module 440 can comprise the unit of inquiring about information about firms, the unit of inquiry pay imformation and the unit of inquiry payment account.
Simultaneously, carry out the user who does not have the pre-paid type mobile communication terminal under the situation of any register requirement, the user can be by user terminal 110 its personal information of input and termination number to certificate server 400, and certificate server 400 can be by the pay imformation query unit that is equipped with in the enquiry module 440 to the information of the corresponding communication common carrier server lookup user input that is connected to independent communication network (not shown), and the user can register in the pre-paid type terminal according to the authentication result of user profile.
Simultaneously, the user who registers in the pre-paid type terminal can access registrar server 400 in this way, and the pre-payment payment account is offered in request.Then, the options that certificate server 400 can pass through screen or transmission of messages banking institution is to user terminal, and the user can select any banking institution in user terminal.After the user imports the security number of userspersonal information's (comprising member number), prepaid terminal number and pre-payment payment account, certificate server 400 can be given the pre-paid type terminal by SMS method notice pre-payment payment account, thereby the pre-paid type terminal information the virtual account that the corresponding banking institution of selecting from the user offers, and can storage and managing user information and pre-paid type terminal information and pre-payment payment account information (account number and security number) or the like.
Under the situation of gateway server 300 transmission transaction authentication information, transaction authentication unit 434 can determine whether the authentication information of transmission is identical with the information of user who registers and communication terminal based on the communication terminal information of user profile/information about firms (for example user ID), prepaying charge and the pre-payment payment of registration in the authentication information of user by display terminal 112 inputs, the user management database module 410 and pre-payment payment account and security number thereof.
Simultaneously, if the information of registration is inequality in the authentication information of definite input and the certificate server 400, the authentication result of expression " authentication information id is inequality " can be notified to the authentication result receiving element 316 of gateway server 300.Yet if authentication information is identical, transaction authentication unit 434 can be determined the content business of user's request based on canned data in the payment account database module 420 of managing prepaid payment account.In other words, if user and communication terminal all are confirmed as effectively, then the remaining sum of pre-payment payment account can be confirmed in transaction authentication unit 434.And, reach the payment transaction price if Sorry, your ticket has not enough value, then the authentication result of " account balance deficiency " can be notified to the authentication result receiving element 316 of gateway server 300.On the contrary, if user and communication terminal all are confirmed as effectively, then transaction authentication module 434 can be confirmed the remaining sum of pre-payment payment account.And if the enough payment transaction prices of remaining sum, then the authentication result of " authentication effectively " can be notified to the authentication result receiving element 316 of gateway server 300.
The authentication result that is notified to certificate server 300 can be configured to allow the user check by the display unit of display terminal 112.Therefore, the user can be according to authentication result input authentication information once more, perhaps request payment content after depositing certain amount of money in.
After the authentication procedure of finishing transaction authentication information as mentioned above, certificate server 400 can transmit the payment processes result database 318 of the payment result of transaction values to gateway server 300 by payment processes results management unit 438, and its result can be stored.If transaction is confirmed as effectively, gateway server 300 can be finished transaction by carrying out trading approving.For payment, after transaction is finished, payment processes results management unit 438 can shift from the pre-payment payment account and deducted tranaction costs that certain attorney's fee uses to payment and settlement module 320, and payment and settlement module 320 can the money transfer transactions expense to content providing server 200, wherein from the amount of money of transferring accounts, deducted certain other attorney's fees and used.
For extracting the pre-payment payment account, certificate server 400 can be transferred accounts to the account of gateway server 300 deducted the amount of money that certain attorney's fee uses from tranaction costs.Simultaneously, its result can be stored in the pre-payment payment account database 424, and be notified to bank server 550 by VAN server 500, thereby bank server 550 can be withdrawn deposit from carrying out single-candidate corresponding to father's account of the pre-payment payment account the certificate server 400, and its result also can be stored.Simultaneously, can there be another kind of method, wherein certificate server 400 will be given gateway server 300 from the result notification of finishing that the pre-payment payment account extracts transaction value, and transfer accounts to the account of gateway server 300 from having deducted the amount of money that certain attorney's fee uses with father's account of pre-payment payment account coupling from tranaction costs by bank server 550 according to the request of certificate server 400.
In payment system according to the present invention, between certificate server and bank server, may there be for example VAN server of delivery server.
Fig. 5 is that this payment system is configured to have user terminal 610, content providing server 700, gateway server 800, certificate server 900 and bank server 1000 as the brief configuration with payment system of this structure.Except certificate server 900, other elements are all identical with Fig. 2 and element shown in Figure 3.Therefore, with reference to figure 6 certificate server 900 is according to an embodiment of the invention described.
User management database module 910 can comprise subscriber information management unit 912, end message administrative unit 914, pre-payment payment account administrative unit 916 and User Information Database 418.
Payment account database module 920 can comprise according to an embodiment of the invention: virtual account is offered request unit 922, and a plurality of virtual account of mating with father's account of the certificate server 900 of registration in bank server 1000 are offered in request; Virtual account receiving element 924 receives the virtual account of offering by bank server 1000; Pre-payment payment account notification unit 926 is authorized corresponding to user's specific pre-payment payment account and is notified specific pre-payment payment account to give communication terminal; Pre-payment payment account processing unit 928, the deposit of managing prepaid payment account and withdrawing the money; And pre-payment payment data storehouse 930, the information of the virtual account information offered of storage and pre-payment payment account that the user is opened respectively.
If the user is by using the Internet bank, telephone bank, ATM terminal deposit or transferring accounts to virtual account, virtual account is notified to the pre-paid type terminal that the user imports by simple message, then manages the bank server of father's account and can deposit to user notification.Simultaneously, if the pre-payment payment account that definite user requests for permission is effective, then can extract certain tranaction costs from the pre-payment payment account.In this drawing was handled, certificate server 900 can extract tranaction costs from the pre-payment payment account, and will deduct transfer of financial resources that certain attorney's fee the uses account to gateway server 800.The result who withdraws the money can be stored in the pre-payment payment data storehouse 930, and is notified to bank server 1000.Bank server 1000 can be from corresponding to extracting identical fund and stores processor result father's account of the certificate server 900 of pre-payment payment account.As another alternative embodiment, can there be another kind of method, wherein certificate server 900 can notify the result who extracts tranaction costs from user's pre-payment payment account to give gateway server 800, and from tranaction costs, deducted the fund that certain attorney's fee uses can be from being transferred accounts to gateway server 800 with father's account of pre-payment payment account coupling.
The drawing that can have two types.After finishing drawing, the result can be notified to bank server, thereby bank server can uncle's account extract tranaction costs.For another kind of type, carry out drawing in father's account of bank server, carry out tranaction costs at the pre-payment payment account then.
And authentication module 940 can comprise: transaction authentication information receiving unit 432, from gateway server 800 notified transaction authentication information; Transaction authentication unit 944 is based on being stored in information in user management database module 910 and the payment account database module 920 and authenticating transactions; Authentication result notification unit 946, the authentication result of notice transaction is given gateway server 800; And payment processes results management unit 948, transmission payment processes result to gateway server 318 extracting tranaction costs from the pre-payment payment account that licenses to the user, and will from tranaction costs, deduct transfer of financial resources that certain attorney's fee uses to gateway server from the pre-payment payment account.
By this structure, the present invention can realize being used for a series of programs of transaction payment.In particular, any content that the user can be provided by content providing server by the display terminal selection of user terminal, and request for permission.Authentication information and Transaction Information can transfer to the certificate server that is connected to content providing server by gateway server.Then, certificate server can be confirmed authentication by the user profile with input of relatively storage.User with pre-paid type terminal can be provided any content purchase/use when finishing approval and payment.
Fig. 7 is the process flow diagram of the step of the concise and to the point demonstration payment that realizes the content business that the user asks according to the preferred embodiment of the invention.With reference to figure 7, describe described program below more in detail.
The user can and import some information by for example access to netwoks such as ARS and internet certificate server.Then, the pre-payment payment account corresponding to user profile and communication terminal number from the virtual account that bank server or VAN server are opened can be licensed to the user.Then, the user can import security number and deposit certain amount of money in to described pre-payment payment account (S700) before notified described pre-payment payment account.In this program, user profile and pre-payment payment account are by authentication server stores and management.After a while the problem of offering and depositing of pre-payment payment account will be described with reference to figure 8.
The user can provide server (S710) by the display terminal accessed content, and asks payment (S712) by select to buy content in content displayed.When content providing server worked in member's mode, the user can use the display terminal information about firms to import the member of content providing server by logging program.
If the content that the user requests for permission and selects, thereby can show that on display terminal the payment window user by gateway server control can select phone-payment and input authentication information (S714) by display unit.Gateway server can receive transaction authentication information, and the Transaction Information (tranaction costs and remaining life cycle or the like) that transaction authentication information comprises authentication information that the user imports and content (S716).Gateway server can transmit transaction authentication information and be notified to certificate server, thereby authenticates described authentication information (S718).
Certificate server can be based on the information (account number/security number) of stored user information and communication terminal and pre-payment payment account by relatively storage with information input and authenticated (S720).In order to finish this process, it can be relatively by the authentication information of display terminal input be stored in user profile (number of the communication terminal of user ID, member id, request pre-payment, the pre-payment payment account number or the security number of pre-payment payment account) in the certificate server to authenticate (S720).If authentication information and stored user information are inequality, then can the authentication result of " authentification failure " be notified to user's display terminal (S722), and can require user's input authentication information once more by gateway server.
Simultaneously, if the authentication information of user input is identical with information in being stored in certificate server, then the remaining sum of Transaction Information that it can more selected content and pre-payment payment account is to authenticate (S724).If pre-payment payment account Sorry, your ticket has not enough value enough payment transaction expenses then can be notified to the authentication result of " account balance deficiency " display terminal (S722) of user terminal by gateway server.The user can the access registrar server confirming account balance, and can depositing the fund of some in after, ask to pay content.
On the contrary, if the enough payment transaction expenses of the remaining sum of pre-payment payment account, the authentication result that then can incite somebody to action " authentication effectively " by gateway server be notified to the display terminal of user terminal.After this, certificate server can extract tranaction costs (S726) from the pre-payment payment account, and the notice payment result is given gateway server (S728).For extraction, can extract tranaction costs from the pre-payment payment account by certificate server, and payment result can be notified to VAN server or bank server.Bank server can extract fund from father's account of the certificate server that is connected to the pre-payment payment account.
Can have two kinds and carry out the mode of withdrawing deposit.Tranaction costs can extract from the pre-payment payment account by certificate server, and payment result can be notified to VAN server or bank server.Bank server can extract fund from father's account of the certificate server that is connected to the pre-payment payment account, and payment result can be notified to certificate server once more.For another kind of method, certificate server is the relevant possibility of withdrawing deposit at the pre-payment payment account of notifying bank's server at first, thereby bank server can extract tranaction costs from the father's account corresponding to the pre-payment payment account, and it directly is notified to certificate server or gives certificate server by the VAN server notification, thereby certificate server can extract tranaction costs from the pre-payment payment account.
Simultaneously, because transaction is certified, the gateway server that receives payment result can transfer to the display unit of communication terminal by the approval number that the SMS method will be concluded the business, thereby and allows display terminal show approval window input approval number (S730).If the user imports on the approval window of display terminal, then whether gateway server can be the actual holder of communication terminal definite user after relatively transmission and approval number input.Can finish transaction (S732) then.After this, the user can visit and buy the content of request payment.
After this, certificate server can will have been deducted the fund that certain attorney's fee uses from tranaction costs based on payment result and transfer to the pre-payment payment account, and gateway server can be paid fund that the attorney's fee of certain another part of deduction from the fund of transmission uses to content providing server.By carrying out this program, can finish content payment (S734).
Fig. 8 is that concise and to the point demonstration deposits the process flow diagram of certain fund to the step of the pre-payment payment account of opening according to the preferred embodiment of the invention in.
Need can be according to the user of payment system of the present invention by communication network ARS or internet or the like access registrar server (S800) for example by using the pre-payment communication terminal to use.The user can import the transaction information needed then.Preferably, require the user himself to list among the member to offer the pre-payment payment account.Simultaneously, the user can import for example user ID etc. (S802) and as the information (S804) of the communication terminal of payment unit of user profile.Certificate server can transmitting subscriber information and the communication terminal number to the mobile operator server with authenticated (S806).In the case, if there are differences between the information of user profile of registering in the mobile communication server and input, then can give display terminal or communication terminal (S808) with the affirmation result notification of " information is inequality ".
On the contrary, if the information of user profile of registering in the mobile communication server and input is identical, then certificate server can allow the user import the security number of pre-payment payment account number, and the user can import its security number (S810).In case authentification of user is finished, then the pre-payment payment account number corresponding to the user can be transferred to the display terminal of user terminal by the SMS method, thereby offers pre-payment payment account (S812).After this, the user profile and the communication terminal information of user's input can be stored in conjunction with the pre-payment payment account.At this moment, any information about firms (member id, security number or member's number or the like) also can be stored (S814).
The user can deposit certain fund in to use according to payment system of the present invention (S812) in the pre-payment payment account of offering.Simultaneously, depositing the amount of money in can be determined by the user, perhaps is confirmed as depositing in greater than the minimum with the previous agreement of certificate server the fund of the amount of money.The user can use the Internet bank, telephone bank, ATM terminal to deposit fund in.
At this moment, can have two kinds of modes of in the pre-payment payment account, depositing.The user deposited fund by certificate server in the pre-payment payment account after, certificate server can be notified to bank server with it, thereby bank server also can deposit the single-candidate fund in to father's account.For another kind of method, certificate server can at first be given bank server with deposit note, thereby bank server can uncle's account be carried out deposit, and it is notified to certificate server, thereby certificate server can deposit fund in to the pre-payment payment account.
As mentioned above, deposit certain fund in, the user can accessed content with use/purchase.
Aforementioned content is an example of the present invention, and does not limit the present invention.Although described some example embodiment of the present invention, it is various that those skilled in the art can be readily appreciated that these example embodiment exist, and these are modified in and do not deviate from content of the present invention and advantage in essence.Therefore, all such modifications are all thought to comprise within the scope of the present invention of definition in the claims.In the claims, means and function term are used to cover structure and the structural equivalents and the equivalent structure of execution recited function described here.Therefore, should be appreciated that aforementioned content is an example of the present invention, be not restricted to specific embodiment disclosed herein, and modification and other embodiment of disclosed embodiment all thought to comprise within the scope of the appended claims.The present invention is defined by claim, in the equivalent of claim is included in.
Claims (10)
1. payment system comprises:
User terminal;
Can be connected to the content providing server of described user terminal;
Be connected to the gateway server of described content providing server by network, described gateway server request authenticates the content business by described user terminal selecting, and ratifies content business according to authentication result;
Certificate server, based on previously stored corresponding to described user terminal user profile and corresponding to the information of the pre-payment payment account that is notified to described user terminal of described user profile and content business is authenticated, pay the expense of content business from the remaining sum of described pre-payment payment account, and the result of notification authentication and payment gives described gateway server.
2. payment system according to claim 1, wherein said content providing server comprises:
The content management database module, the information of storage and control content and content business;
The transaction authentication information transmission modular, transmission is given described gateway server from the authentication information and the content business information of described user terminal input; And
The payment information receiver module receives the Payment Request that is used for content business from described gateway server.
3. according to any one described payment system in claim 1 and 2, wherein said gateway server comprises:
Module is transmitted in authentication, to described certificate server request the transaction authentication information that receives from described content providing server is authenticated, and receives authentication result;
The payment and settlement module is ratified transaction based on the authentication result of described certificate server, and carries out transaction payment based on described approval.
4. according to any one described payment system in claim 1 and 2, wherein said certificate server comprises:
The user management database module, storage is from the user profile of described user terminal input and the information of communication terminal;
The payment account database module, the fund reception/extraction of storage pre-payment payment account information and control pre-payment payment account; And
Authentication module based on from the authentication information of described gateway server request and authenticating transactions, and is given described gateway server based on described authentication with the payment processes result notification.
5. payment system according to claim 4, wherein said payment account database module comprises:
The payment account administrative unit receives a plurality of virtual account from bank server, opens the pre-payment payment account of match user information, transmission pre-payment payment account depositing in/information extraction to user terminal and control pre-payment payment account;
The payment account database is stored the information about the pre-payment payment account that the user is opened.
6. a use is from the method for payment of the user terminal of the notified pre-payment payment account of certificate server, and described method comprises:
A) after being connected to content providing server, described user terminal can buy chosen content in the content;
B) by described user terminal input authentication information;
C) by gateway server transmission about the authentication request of the authentication information of selected content and Transaction Information to described certificate server;
D) determine at described certificate server whether content business is possible;
E) give described gateway server from described certificate server with the result notification of step d);
F) payment result of the transaction value of the content of selection being paid from described certificate server transmission from described pre-payment payment account is to described gateway server; And
G) by described gateway server approval transaction.
7. use according to claim 6 is from the method for payment of the user terminal of the notified pre-payment payment account of certificate server, and wherein said step g) comprises:
Transmit the trading approving number to described user terminal from described gateway server;
To compare by the data of described user terminal input and the trading approving number of transmission, and ratify content business according to comparative result.
8. use according to claim 6 is from the method for payment of the user terminal of the notified pre-payment payment account of certificate server, and the authentication information of importing in the wherein said step b) comprises userspersonal information and pre-payment payment account information.
According to any one described use in the claim 6 to 8 from the method for payment of the user terminal of the notified pre-payment payment account of certificate server, it further comprises: the means of payment that show the content of selecting on described user terminal are selected window, and select described user terminal as the means of payment.
According to any one described use in the claim 6 to 8 from the method for payment of the user terminal of the notified pre-payment payment account of certificate server, it further comprises: from described certificate server the transaction value of described content is transferred to described gateway server based on described payment result, and the transaction value of described content is transferred to described content providing server from described gateway server.
Applications Claiming Priority (2)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| KR1020060021538A KR100675758B1 (en) | 2006-03-08 | 2006-03-08 | Payment system using prepaid-type terminals and method thereof |
| KR1020060021538 | 2006-03-08 |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN101034448A true CN101034448A (en) | 2007-09-12 |
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Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CNA2007100800401A Pending CN101034448A (en) | 2006-03-08 | 2007-03-05 | Payment system using prepaid-type terminals and method thereof |
Country Status (2)
| Country | Link |
|---|---|
| KR (1) | KR100675758B1 (en) |
| CN (1) | CN101034448A (en) |
Cited By (6)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN101894335A (en) * | 2010-06-17 | 2010-11-24 | 中兴通讯股份有限公司 | Payment method and system for on-line transaction and home gateway |
| CN101923754B (en) * | 2009-06-17 | 2013-06-26 | 中国工商银行股份有限公司 | System and method for realizing rapid payment based on bank intelligent card |
| CN104463571A (en) * | 2014-12-30 | 2015-03-25 | 上海递道信息技术有限公司 | Express delivery settlement advance payment system |
| CN106157008A (en) * | 2016-06-30 | 2016-11-23 | 成都生辉电子科技有限公司 | A kind of intelligent terminal's safe payment method |
| CN106327162A (en) * | 2016-08-31 | 2017-01-11 | 福建星网视易信息系统有限公司 | Mobile payment method and system, and payment management platform |
| CN106792228A (en) * | 2016-12-12 | 2017-05-31 | 福建星网视易信息系统有限公司 | A kind of living broadcast interactive method and system |
Family Cites Families (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| KR20020003128A (en) * | 2001-09-13 | 2002-01-10 | 주식회사 하나소프트 | Web-billing system using internet protocol and therefor method |
| KR20020006654A (en) * | 2001-11-16 | 2002-01-24 | 김원혁 | Method for advance/after payment of charge using mobile communication terminal |
| KR20030082090A (en) * | 2002-04-16 | 2003-10-22 | (주) 인포허브 | System and method of electronic payment |
| KR20040068768A (en) * | 2003-01-27 | 2004-08-02 | 에스케이 텔레콤주식회사 | System and Method for Prepaid Mobile Phone Service |
-
2006
- 2006-03-08 KR KR1020060021538A patent/KR100675758B1/en active IP Right Grant
-
2007
- 2007-03-05 CN CNA2007100800401A patent/CN101034448A/en active Pending
Cited By (7)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN101923754B (en) * | 2009-06-17 | 2013-06-26 | 中国工商银行股份有限公司 | System and method for realizing rapid payment based on bank intelligent card |
| CN101894335A (en) * | 2010-06-17 | 2010-11-24 | 中兴通讯股份有限公司 | Payment method and system for on-line transaction and home gateway |
| CN104463571A (en) * | 2014-12-30 | 2015-03-25 | 上海递道信息技术有限公司 | Express delivery settlement advance payment system |
| CN104463571B (en) * | 2014-12-30 | 2018-06-15 | 上海递道信息技术有限公司 | Prepaid system is settled accounts in express delivery |
| CN106157008A (en) * | 2016-06-30 | 2016-11-23 | 成都生辉电子科技有限公司 | A kind of intelligent terminal's safe payment method |
| CN106327162A (en) * | 2016-08-31 | 2017-01-11 | 福建星网视易信息系统有限公司 | Mobile payment method and system, and payment management platform |
| CN106792228A (en) * | 2016-12-12 | 2017-05-31 | 福建星网视易信息系统有限公司 | A kind of living broadcast interactive method and system |
Also Published As
| Publication number | Publication date |
|---|---|
| KR100675758B1 (en) | 2007-01-30 |
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Open date: 20070912 |