KR100430485B1 - Method of distributing the personal identification number for multi prepaid cards by mobile communication system - Google Patents

Abstract

The present invention relates to a method for distributing a PIN for a prepaid card using a mobile phone.

In the present invention, the prepaid card service system having the authority to distribute the PIN number by transmitting the PIN number of each prepaid card to the PIN number database and storing, the prepaid card through an automatic answering system (ARS) in conjunction with the PIN number database Step of accepting the prepaid card purchase request while guiding the purchase method, the automatic response system to select a PIN number to be distributed to the user applying for a prepaid card purchase from the PIN numbers stored in the PIN number database, and automatic response The system includes transmitting the selected PIN number to the user's mobile phone in the form of a text message.

According to the present invention, an individual number (PIN) can be transmitted to a text box of a mobile phone holder through an alliance with mobile phone operators. Accordingly, it is possible to reduce the cost of producing and distributing the card, and the PIN is known to the mobile phone using the telephone, thereby making it easier to use the prepaid card, and to expose the individual number when the card is produced and printed. There is an effect that can be prevented.

Description

Method of distributing the personal identification number for multi prepaid cards by mobile communication system}

The present invention relates to a method of distributing a PIN for a multifunction prepaid card that can be commonly used to pay for the purchase of various goods or the use of services. PIN).

Recently, Internet users have exploded due to the simplicity of HTML-based web (WWW) and the development of multimedia technology, and many applications have been developed to provide various services in the cyber space. Doing. In particular, with the emergence of various cyber shopping malls on the Internet, electronic commerce technology has emerged as a major concern, and the payment method or payment system that is essential for dual commerce is being studied.

Currently, the most widely used means of payment in virtual space are digital cash and credit card. Prepaid Cards are widely used for non-internet telephone services.

The exponentially increasing prepaid Internet electronic money and telephone card use services through personally assigned personal identification numbers (PINs). And the method of informing the user of the PIN is to print the PIN on the back of the plastic card and then scratch the PIN to prevent the exposure of the PIN. Providing.

However, in the case of distributing a PIN through a plastic card, it is expensive to produce a card, and it is inconvenient to check the individual number by removing the card every time it is used. There is a security problem that exposes numbers.

The present invention can reduce the cost of the card production and distribution by sending a personal number (PIN) to the mobile phone holder's text mailbox through an alliance with mobile phone operators to solve the above problems, and use the phone The purpose of the present invention is to provide a multi-function prepaid card individual number distribution method using a mobile phone, which is easy to use a prepaid card, and prevents the leakage of individual numbers.

1 is a diagram showing a prepaid card individual number distribution network according to the present invention;

2 is a first embodiment illustrating a procedure of distributing an individual number according to the present invention;

3 is a second embodiment showing a procedure for distributing an individual number according to the present invention;

4 is a flowchart illustrating an individual number distribution procedure according to the present invention.

* Explanation of symbols for main parts of the drawings

102: mobile phone 104: base station

110: mobile phone network 112: message center (SMC)

114: Automatic Response System (ARS) 120: Gateway

130: Internet 140: prepaid card service system

150: user PC

In order to achieve the above object, the multi-function prepaid card individual number distribution method using a mobile phone according to the present invention, the PIN number of each prepaid card to be distributed by the prepaid card service system having the authority to distribute the PIN number PIN number database Transmitting and storing the data; Accepting an application for purchase of the prepaid card while guiding a purchase method of the prepaid card through an automatic response system (ARS) interworking with the PIN number database; Selecting, from the PIN numbers stored in the PIN number database, a PIN number to be distributed to a user who has applied for the prepaid card purchase; And the automatic answering system transmits the selected PIN to a mobile telephone of the user who applied for the purchase in the form of a text message.

Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings.

1 is a diagram illustrating a network for distributing a prepaid card individual number according to the present invention, wherein a user carries a mobile telephone 102, a base station 104, a mobile telephone network 110, a gateway 120, and the Internet. 130, prepaid card service system 140, and user PC 150 are shown. Here, the mobile telephone network 110 includes a message center (SMC) 112 and an automatic answering system (ARS) 114 for providing a text message service.

Referring to FIG. 1, the mobile telephone 102 may be connected to the mobile telephone network 110 through a base station 104 to make a telephone call with the other party, and purchase a prepaid card according to the present invention. In this case, the prepaid card is not purchased in the form of a card, but is distributed in the form of a PIN through a text message service (SMS). The mobile telephone network 110 provides a general mobile phone service and also through a message center 112. It provides a text service, and provides a voice guidance service through the automatic response system (114). The mobile telephone network 110 and the Internet 130 are connected through the gateway 120, and the user can access the system 140 of the prepaid card service provider through the Internet 130 using the PC 150. Prepaid The card service system 140 operates a service site on the Internet, manages a merchant not shown, and provides a PIN number to the mobile telephone network 110 to sell a prepaid card through the mobile telephone. The prepaid card service system 140 is a system having authority to distribute PIN numbers. The prepaid card service system 140 transmits and stores a PIN number of each prepaid card to be distributed to the PIN number database 114-1.

2 is a first embodiment illustrating a procedure for distributing an individual number according to the present invention, in which a mobile phone operator delivers a PIN number provided from a prepaid card service provider to a text box.

Referring to FIG. 2, a user enters a special number (eg, # 8282 + SND) in the mobile phone 102 to access an automatic answering system (ARS) 114 that sells a prepaid card (201). When you are connected to the answering machine, you will hear a prompt, "Press 1 to buy, press 2 to use, or press 3 to exit." Select the purchase (202). When the user selects the purchase, the automatic answering system 114 selects a PIN number to be distributed to the user who applied for the purchase from among the PIN numbers stored in the PIN number database 114-1. After the selection, the selected PIN number is transmitted to the mobile phone 102 of the user who applied for a purchase in the form of a text message (203).

The user who has received the PIN number in the mobile phone 102 in step 203 can use the prepaid card according to the general prepaid card usage method. That is, the user needs to register and open a password to use the prepaid card. The user accesses a site (homepage) operated by the prepaid card service system 140 through the Internet 130 (204). Then, the password is registered and opened according to the menu provided by the homepage (205). Thereafter, the user uses the prepaid card at the prepaid card merchant or the affiliate telecommunication company (206). Usually, the use of a prepaid card is handled by entering a PIN number and a password.

Since the present invention sells the prepaid card through the automatic answering system 114, it is necessary for the user to conveniently pay the purchase price of the prepaid card. To do this, the mobile operator bills the user for monthly phone calls and bills the user with the prepaid card purchase amount. When the customer pays the bill, the mobile operator pays the number transfer fee (for example, 5% of the revenue). Excluded amount can be provided to the prepaid card service provider for settlement (207 ~ 209).

3 is a second embodiment illustrating a procedure of distributing an individual number according to the present invention, so that a prepaid card can be purchased, recharged, used inquiries, password registration, etc. can be directly performed by a mobile phone using an improved ARS function. It is.

Referring to FIG. 3, the user enters a special number (eg, # 8282 + SND) into the mobile phone 102 to access an automatic answering system (ARS) 114 that sells a prepaid card (301). When connected to the automatic answering system 114, the announcement "Press 1 to buy, press 2 to charge, press 3 to check the history, press 4 to register the password," the announcement is The user presses the desired service number according to this announcement (302).

If the user selects a purchase, the automatic response system 114 selects a PIN number to be distributed to the user who applied for a purchase from among the PIN numbers stored in the PIN number database 114-1, and then texts the selected PIN number. In the form of a message is sent to the mobile phone 102 of the user who applied for a purchase (303, 304). If the user selects the charge to provide a charging service (305,306), if the user selects the inquiry history to provide the usage information (307,308) If password registration is selected, a password registration service is provided (309, 310). In some cases, the user may access the site (homepage) operated by the prepaid card service system 140 through the Internet 130 using the PC 150 and register and open a password according to a menu provided on the homepage. .

The user then uses the prepaid card at the prepaid card merchant or affiliated telecommunications company. Typically, the use of a prepaid card is handled by entering a PIN and password (311).

Then, the mobile phone provider charges a monthly call charge and charges the prepaid card purchase and recharge amount, and when the customer pays the charge, the number of the prepaid card purchase and the number transfer fee from the ungjeon amount (for example, 5% of the revenue) The amount excluding the amount is provided to the prepaid card service provider and settled (312 ~ 314).

4 is a flow chart illustrating an individual number distribution procedure according to the present invention, in which an information flow is shown between a user's mobile telephone 102, an automatic answering system 114, and a system of a prepaid card service provider 140. First, the prepaid card service system 140 transmits and stores a distribution PIN number negotiated by a contract with a mobile telephone company to the PIN number database 114-1. At this time, the PIN number database 114-1 interworks with the automatic answering system 114. The user enters a special number to access the automatic answering system 114, and the automatic answering system 114 is connected to the mobile telephone service provider. It delivers the input announcement so that the user can select the desired service. When the user selects to purchase a prepaid card, the automatic answering system 114 extracts a predetermined PIN number from the pre-assigned PIN number database 114-1 and provides it to the user's mobile phone 102 in the form of a text message. The user accesses the prepaid card service system 140 through the Internet 130 to register a password, and the prepaid card service system 140 opens to use the prepaid card.

A user uses a prepaid card at a merchant, and a mobile phone provider bills a prepaid card purchase fee while charging a monthly phone call fee, and when a user pays a bill, the user pays a certain amount of fee and provides it to a prepaid card service provider. Settlement by Prepaid card service providers settle with merchants according to their use.

As described above, according to the present invention, by sending an individual number (PIN) to a cell phone holder's text mailbox through an alliance with mobile phone operators, the cost of card production and distribution can be reduced, and a telephone can be used. Since the PIN is known in the mobile phone, it is easy to use the prepaid card, and there is an effect of preventing the individual number from being exposed during card production and number printing.

Claims (3)

In the distribution method for distributing the card number (PIN number) of each prepaid card to the prepaid card buyer, Transmitting, by a prepaid card service system having the authority to distribute the PIN, a PIN number of each prepaid card to be distributed to a PIN number database; Accepting an application for purchase of the prepaid card while guiding a purchase method of the prepaid card through an automatic response system (ARS) interworking with the PIN number database; Selecting, from the PIN numbers stored in the PIN number database, a PIN number to be distributed to a user who has applied for the prepaid card purchase; The automatic answering system transmits the selected PIN to a mobile telephone of the user who applied for the purchase in the form of a text message; Registering a password through a predetermined Internet site or the automatic answering system with respect to the PIN number transmitted to the mobile telephone; And The prepaid card service system includes receiving a corresponding PIN number and a registered password from the Internet site or an automatic answering system and opening the corresponding PIN number in a usable state. Number Distribution Method. delete delete