KR100501171B1 - System and Method for Guarantee Billing Service in Mobile Communication System - Google Patents

Abstract

The present invention relates to a guaranteed billing service system and method of a mobile communication system.

The guaranteed billing service system of the mobile communication system of the present invention is a system including a billing server connected to an exchange of a mobile communication system to process billing for a mobile communication usage fee, wherein the billing server receives a billing data from a switch. A fee calculation unit that checks the plan information of the subscriber based on a database and calculates a mobile communication fee based on a corresponding rate for the subscriber plan; An expiration determination unit that determines whether the subscriber of the guaranteed plan pays an additional fee; A charge addition processing unit that calculates a charge amount by adding a corresponding additional amount to the calculated user fee of the subscriber who has not reached the surcharge payment expiration date; A guaranteed service processing unit which checks the guaranteed service information of the subscriber who has reached the surcharge payment expiration date and processes the covered service; It is achieved by a guaranteed billing service system of a mobile communication system comprising a.

Description

System and Method for Guarantee Billing Service in Mobile Communication System

The present invention relates to a guaranteed billing service system and method of a mobile communication system, and more specifically, to a certain amount of additional charges for a certain period of time to the mobile communication usage charges, and services such as mobile phone insurance, etc. after the payment period of the additional amount has passed. It relates to a billing service system and method for providing a.

The current mobile phone tariff system provides various rate plans for the general public and corporate subscribers, for example, standard rates for most users, weekend rates for weekend users, diet rates for users with low call volume, There are royal fees for heavy callers, family or club charges for heavy callers, and rates for college students.

In addition, service providers are developing and providing various services to subscribers in order to retain existing subscribers and attract new subscribers in the evolving mobile communication service market. Recently, various rate plans are applied to various types of charges by time zone and called number, allowing subscribers to select a plan that fits their call pattern. Has a big impact on you.

However, the number of wireless devices including mobile phones currently provided by service providers is well over 300. Therefore, as time goes by, various terminals become outdated and new terminals are released, and users have a desire to replace the terminals.

However, the current mobile phone fee is charged only for the usage fee, and depending on the usage fee performance, it provides various benefits with additional points and points. However, most existing charge systems and benefits provide a certain amount of discounts when using affiliates. There is a tendency to be biased only in the range of services such as, it is required to provide a service guaranteed by the long-term use of the terminal.

Accordingly, the present invention is to solve the above-mentioned disadvantages and problems of the prior art, it is possible to provide a differentiated rate by introducing the concept of pension rate or insurance rate plan to the mobile phone rate by changing the conventional standardized rate method It is an object of the present invention to provide a guaranteed billing service system and method.

The above object of the present invention is connected to an exchange of a mobile communication system, and includes a general plan information database for storing a plurality of general plan information and rate information for each rate plan, and a subscriber database for storing general plan information for each subscriber. A billing server for processing billings for a billing server, said billing server comprising a billing plan information database for storing additional billing information other than the mobile communication usage fee, additional billing request turnaround information, and service contents for the additional billing; ; And a guaranteed subscriber database for storing subscriber-specific guaranteed plan information and additional fee payment cycle information. Upon receipt of the subscriber's billing data from the exchange, the subscriber's general plan information is checked based on the subscriber's database. A fee calculation unit configured to calculate a mobile communication fee based on a corresponding rate for the subscriber's fee based on a fee information database; An expiration determination unit that checks the subscriber's guaranteed plan information on the basis of the guaranteed subscriber database and determines whether the additional fee is due to be compared by comparing the payment request cycle with the subscriber's additional fee payment cycle; A fee addition processing unit that calculates a charge amount by adding a corresponding additional amount to the calculated user fee of a subscriber who has not reached an additional fee due date based on the guaranteed rate information database; A guaranteed service processing unit which checks the guaranteed service information of the subscriber who has reached the surcharge due on the basis of the guaranteed plan information database and processes the corresponding covered service; It is achieved by a guaranteed billing service system of a mobile communication system comprising a.

In addition, the above object of the present invention is connected to the exchange of the mobile communication system, a general plan information database for storing a plurality of general plan information and rate information for each rate, a subscriber database for storing the general rate information per subscriber, additional rate information and A billing plan information database for storing surcharge request turnaround information and service contents for the surcharge, and a guaranteed subscriber database storing subscriber surcharge plan information and surcharge payment turnaround information for billing of mobile communication charges A guaranteed billing service method of a system including a billing server for processing, wherein when the billing server receives billing data of a subscriber from an exchange, it checks the general plan information of the subscriber based on a subscriber database and sets the general plan. Step of the database on the basis of calculating the mobile communication usage fees in accordance with applicable rate plan for the subscriber and; Determining whether the subscriber is a guaranteed plan user based on the guaranteed subscriber database; and if the user is a guaranteed plan user, comparing the required rate of payment of the covered plan with the additional fee payment of the subscriber to determine whether the additional fee is due to expire; ; Calculating a billing amount by adding the additional amount to the calculated fee based on the guaranteed rate plan information database when the subscriber is unsatisfied with the surcharge fee due to the determination result; If the subscriber is due to pay the surcharge, the guaranteed service information is checked based on the guaranteed plan information database, and the corresponding covered service is processed. The guaranteed billing service method of the mobile communication system is achieved. .

Details of the above object and technical configuration of the present invention and the resulting effects thereof will be more clearly understood from the following detailed description based on the accompanying drawings.

1 is a schematic structural diagram of a guarantee charging service system according to an embodiment of the present invention.

As shown, the guaranteed billing service system of the present invention performs a base station (BTS) 110 for performing wireless section communication with the mobile communication terminal 100, a base station controller (BSC) 120 for controlling the base station, and performs a call exchange. A general plan that is connected to the exchange 130 of a mobile communication system including an exchange (MSC) 130 and a short message service center (SMC) 140, and stores a plurality of general plan information and rate information for each rate plan. It includes an information database 210 and a billing server 200 having a subscriber database 230 for storing general plan information for each subscriber to process billing for mobile communication usage fee.

The billing server 200 includes a guaranteed plan information database 220 for storing additional fee information other than the mobile communication fee, additional fee payment required turnaround information, and service contents for the additional fee, guaranteed plan information for each subscriber, Further comprising a guaranteed subscriber database 240 for storing the surcharge payment cycle information, in the case of a subscriber using the guaranteed plan in the calculation of the billed amount, additional charges of a certain amount for a certain period according to the guaranteed plan information, Providing the covered services after the charge period for the surcharge expires or after a fixed period of payment is determined by the operator.

In the present invention, as a guaranteed service, various mobile phone insurance services and general insurance services related to a mobile communication service will be described as an example. Accordingly, the billing server 200 may be a mobile phone insurance service server 300 and an insurance company server that provide mobile phone insurance services. 400).

The mobile phone insurance service server 300 includes a mobile phone insurance database 310 that stores mobile phone insurance service information related to a mobile communication service, and a mobile phone insurance subscriber database 320 that stores the mobile phone insurance service subscriber information. Insurance services include a variety of services such as free terminal payment, free battery, discount on mobile communication, free alternative services, and free repair in case of damage.

The insurance company server 400 includes an insurance database 410 and an insurance subscriber database 420 that store various kinds of insurance information, and may include various insurance services such as various accident insurances and health insurance.

The billing server 200 of the guaranteed billing service system configured as described above calculates the subscriber's mobile communication usage amount according to the general plan information, and in the case of the guaranteed service user, additionally charges a predetermined amount for a predetermined period, and the predetermined period expires. Or cover the covered services after a fixed period of time set by the operator.

That is, if the subscriber's covered service is a mobile phone insurance service or a general insurance service, the subscriber's personal information is transferred to the mobile phone insurance service server 300 or the insurance company server after the additional payment period expires or after a predetermined period fee is paid. Send to 400 to be automatically subscribed.

For example, when a mobile phone insurance service includes a free communication service of a mobile communication terminal or a battery, the mobile phone insurance service server 300 confirms a subscriber's intention to receive a free terminal, and provides a terminal provider server 500 or a logistics server. 600, the subscriber selects or transmits subscriber information including information on a specific mobile communication terminal selected in advance and shipping address information of the subscriber so that the corresponding terminal or battery may be provided, or the mobile phone insurance service server 300 at each dealership; ), The subscriber's information can be checked so that the subscriber can exchange it directly through the agent.

In this case, the mobile phone insurance service server 300 transmits a short message including free terminal provision information to the subscriber's mobile communication terminal to inform the subscriber's free replacement time to confirm the intention of receiving the free terminal. It is preferable to receive the terminal selection information and the terminal reception intention from the mobile communication terminal of the subscriber connected to the cellular phone insurance service server 300.

In addition, the terminal provider server 500 or the logistics server 600 directly delivers the free terminal to the subscriber's shipping address, or delivers the terminal to the mobile communication agency or subscriber selection agency close to the subscriber's home address, and the subscriber directly visits and opens the service. And it can be received, and can receive information on the opening request date, etc. from the subscriber via the mobile communication network and open (registered) so that the free terminal can be used and shipped.

On the other hand, if the insurance cover service includes insurance, the insurance company server 400 may receive the subscriber's personal information from the billing server 200 to automatically process the insurance, if the subscriber's signature requires a mobile communication network Through the short message to request the insurance information and the electronic signature according to the subscriber to the mobile communication terminal through, it will be able to process the insurance using the electronic signature received from the subscriber's mobile communication terminal.

In this case, the insurance company server 400 preferably transmits the subscribed insurance policy to the subscriber through a mail, an email, or transmits an electronic document to the subscriber's mobile communication terminal.

The charging server 200 will be described in more detail with reference to FIG. 2 as follows. 2 is a block diagram of a charging server according to an embodiment of the present invention.

As shown, the billing server 200 constituting the guaranteed billing service system of the present invention includes a fee calculation unit 250 that calculates a mobile communication fee and whether or not the additional fee payment period of the guaranteed service subscriber has expired. The expiration determination unit 260 to determine, the charge addition processing unit 270 for processing the additional charges in addition to the mobile communication fee in the case of the subscriber remaining the additional charge payment period, and the subscriber whose additional charge payment period has expired In the case is configured to include a guaranteed service processing unit 280 to process to provide the corresponding guaranteed service. In this case, the provision of the guaranteed service may be performed after the expiration of the surcharge payment period or after a specific surcharge payment set by the operator.

The billing server 200 includes a general plan information database 210 for storing general plan information for calculating a mobile communication fee, that is, rate information according to the plan, and additional fee information other than the mobile communication fee and payment of an additional fee. A guaranteed rate information database (220) for storing required turnaround information and service contents for the additional rate; Guaranteed subscriber database 240 for storing the subscriber-specific guaranteed plan information and additional fee payment cycle information.

The guaranteed plan information database 220 stores additional fee information and the guaranteed service contents separately charged in addition to the mobile communication fee, and for example, if the paid service fee is paid an additional fee of 5,000 won per month for one year, 50% discount on mobile phone bills for a certain period of time thereafter, or paying 5% of monthly mobile phone bills for 3 years or more will provide a free number of mobile terminals after 3 years or after a specific additional payment. Says the content.

In this case, the free payment of the mobile terminal will be limited to the level determined by the operator according to the additional charges and other conditions for the guaranteed rate plan.

The guaranteed subscriber database 240 includes the subscriber information using the above-mentioned guaranteed plan, the subscriber-specific guaranteed plan information when there is more than one type of covered plan, and the period during which the subscriber using the guaranteed plan paid the additional fee, that is, the payment turnaround information. Save it.

Therefore, when the mobile communication fee is calculated by the fee calculation unit 250, the expiration determination unit 260 refers to the guaranteed subscriber database 240 to check the additional fee payment cycle of the subscriber, and the additional fee payment period If this is left, the fee addition processing unit 270 adds the additional fee to the mobile communication fee calculated by the fee calculation unit 250.

On the other hand, if the surcharge payment is due to the subscriber, the guaranteed service processing unit 280 processes the covered service according to the subscriber's guaranteed plan information, the processing of the guaranteed service may be performed after the specific additional fee payment round set by the operator.

In the embodiment of the present invention, the guaranteed service will be described using a mobile phone insurance service and a general insurance service as an example. In this case, the billing server 200 is provided with a mobile phone insurance database 310 for storing the contents of various mobile phone insurance services related to the mobile communication service and a mobile phone insurance subscriber database 320 for storing the mobile phone insurance service subscriber information. Mobile insurance service server 300 for providing insurance services related to the insurance and insurance database 410 for storing a variety of insurance service information, and an insurance subscriber database 420 for storing the insurance service subscriber information to provide a variety of insurance services The insurance company server 400 is provided.

Therefore, the guaranteed service processor 280 of the billing server 200 transmits personal information of the subscriber to the cellular phone insurance service server 300 when the subscriber includes the cellular phone insurance service in the guaranteed service. Insurance service server 300 automatically processes the subscriber to the mobile phone insurance.

The mobile phone insurance service includes a terminal free payment service for providing a terminal free of charge when a subscriber's mobile terminal is damaged, a terminal replacement service for replacing a subscriber's mobile terminal with a new terminal, a battery free payment service for a subscriber's mobile terminal, and the like. For example.

In addition, the guaranteed service processing unit 280 confirms the subscriber's guaranteed service, and in the case of a subscriber including general insurance services among the contents of the subscriber's guaranteed service, the subscriber's personal information is transmitted to the insurer server 400 to transmit the subscriber's personal information. To automatically sign up for insurance.

In this case, the guaranteed service processor 280 may preferably transmit a short message including the corresponding guaranteed service information to the subscriber's mobile communication terminal 100.

Next, Figure 3 is a flow chart showing the charging procedure of the guaranteed billing service method according to an embodiment of the present invention.

As shown, the charging procedure of the guaranteed billing service method of the present invention, first, when the billing server 200 receives the billing data of the subscriber from the switch 130 (S101) based on the subscriber database 230 Check the general plan information of and calculates the mobile communication usage fee according to the corresponding rate for the plan of the subscriber based on the general plan information database (S102).

Next, the billing server 200 determines whether the subscriber is a guaranteed plan user based on the guaranteed subscriber database 240 (S103), and if the user is a guaranteed plan user, the payment request cycle of the corresponding guaranteed plan and payment of an additional fee of the subscriber. It is determined whether or not to pay the additional fee by comparing the turn (S104).

As a result of the determination, in the case of the subscriber who has not reached the surcharge due date, the surcharge is calculated by adding the corresponding surcharge to the calculated fee based on the guaranteed plan information database 220 (S105), and then charged (S106). .

On the other hand, if the subscriber has reached the expiration of the additional fee payment, the corresponding guaranteed service information is checked based on the guaranteed plan information database 220 (S107) to determine whether the discounted service is included in the guaranteed service (S107). S108), in the case of the guaranteed service subscriber including the rate discount service, the amount of the discount is subtracted from the calculated fee for use (S109) and the amount of the calculated amount is charged (S106).

4 is a flowchart illustrating a guaranteed service procedure of the guaranteed billing service method according to an embodiment of the present invention.

As shown, the billing server 200 checks the guaranteed service information of the subscriber whose additional fee payment period has expired (S201), and in the case of a subscriber including mobile phone insurance service or general insurance service in the guaranteed service (S202). The personal information of the subscriber is transmitted to the mobile phone insurance service server 300 or the general insurance company server 400 (S203). The mobile phone insurance service server 300 or the insurance company server 400 must automatically process the subscriber to the mobile phone insurance or the general insurance (S204).

At this time, the billing server 200 or the mobile phone insurance service server 300 and the insurance company server 400 transmits a short message including the corresponding guaranteed service information to the subscriber's mobile communication terminal to record the service details and the insurance subscription details. It would be desirable to notify (S205).

If other guaranteed services other than the rate discount service and the insurance service described in the above embodiment are provided, the billing server 200 should further include a step (S206) of processing the covered service.

In addition, the above embodiment has been described as processing the guaranteed service by checking the guaranteed service information of the subscriber whose expired fee payment period has expired (S201), but will be able to process the guaranteed service after the specific additional fee payment round set by the operator. .

Referring to the guarantee service processing process of the present invention in more detail as follows.

First, FIG. 5 is a flowchart illustrating a guaranteed service procedure of a guaranteed billing service method according to another embodiment of the present invention, which is described as an example of a guaranteed mobile communication terminal or a battery free service.

As shown, when the subscriber's guaranteed service includes a mobile communication terminal or a service that provides a battery free of charge, the mobile phone insurance service server 300 determines whether the terminal (battery) free provision period of the subscriber has arrived. In operation S301, when the terminal (battery) free provision period arrives, a short message including the terminal free provision information is transmitted to the subscriber's mobile communication terminal (S302).

In this case, the terminal free provision period refers to a specific time determined by the mobile phone insurance service server 300 or the billing server 200 or requested by the subscriber. And the like, but the period is not limited.

In the meantime, the short message including the terminal free provision information preferably includes a reply URL address, and the subscriber connects to the mobile insurance company server 400 or the terminal provider server 500 using the reply URL address. Allows you to choose a terminal or fulfill your agreement to offer a free terminal.

If a response from the subscriber's mobile communication terminal, such as consent for terminal selection or free terminal provision, is received (S303), the mobile phone insurance service server 300 corresponds to the terminal provider server 500 or the logistics server 600. Transmitting the delivery information of the terminal (S304), the terminal provider server 500 or the logistics server 600 receiving the delivery information delivers the terminal to the subscriber in accordance with the delivery information (S305).

In this case, the freely provided mobile communication terminal may be opened and delivered on a date designated by a subscriber or a specific date, and at this time, it is preferable to transmit a short message including an opening date of the terminal to the subscriber's mobile communication terminal.

Finally, FIG. 6 is a flowchart illustrating a guaranteed service procedure of the guaranteed billing service method according to another embodiment of the present invention.

As shown in the figure, when the contents of the insurance service subscription of the contents of the subscriber's guaranteed service, the billing server 200 transmits the subscriber's personal information to the insurance company server (400) (S401).

The insurance company server 400 transmits the short message including the insurance information and the short message including the electronic signature request contents and the reply URL address information to the subscriber's mobile communication terminal when the electronic signature is required (S402).

Next, upon receiving the information on whether the user agrees to the insurance through the confirmation of the short message and the electronic signature (S403), the insurance company server 400 processes the subscriber to the insurance and moves the electronic insurance policy to the subscriber. Transmission to the communication terminal (S404).

In the above-described embodiment of the present invention, the method of discounting the use fee after the specified period and the method of providing the insurance benefit when the additional fee is additionally charged for the designated period for the mobile communication use fee has been described as an example. The service is possible, and in connection with the insurance product, it is possible to pay a certain additional fee to the premium and accordingly, a service that discounts the mobile communication fee.

As those skilled in the art to which the present invention pertains may implement the present invention in other specific forms without changing the technical spirit or essential features, the embodiments described above should be understood as illustrative and not restrictive in all aspects. Should be. The scope of the present invention is shown by the following claims rather than the detailed description, and all changes or modifications derived from the meaning and scope of the claims and their equivalents should be construed as being included in the scope of the present invention. do.

Therefore, the guaranteed billing service system and method of the mobile communication system of the present invention allows the mobile subscriber to pay an additional amount of a certain amount of money for a certain period of time and provide a guaranteed service accordingly, so that the subscriber pays a small amount of money for a certain period of time. Thus, it is expected to reduce the burden on the terminal user by minimizing or freeing the cost of changing and repairing the terminal.

1 is a schematic structural diagram of a guaranteed billing service system according to an embodiment of the present invention;

2 is a block diagram of a charging server according to an embodiment of the present invention;

3 is a flowchart illustrating a charging procedure of the guaranteed billing service method according to an embodiment of the present invention;

4 is a flowchart illustrating a guaranteed service procedure of the guaranteed billing service method according to an embodiment of the present invention;

5 is a flowchart illustrating a guaranteed service procedure of the guaranteed billing service method according to another embodiment of the present invention;

6 is a flowchart illustrating a guaranteed service procedure of the guaranteed billing service method according to another embodiment of the present invention.

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

100: mobile communication terminal 110: base station (BTS)

120: base station controller (BSC) 130: switchboard (MSC)

140: short message service center (SMC) 200: billing server

210: general plan information DB 220: guaranteed plan information DB

230: subscriber DB 240: guaranteed subscriber DB

250: royalty calculation unit 260: maturity determination unit

270: charge addition processing unit 280: guaranteed service processing unit

300: mobile phone insurance service server 310: mobile phone insurance DB

320: mobile phone insurance subscriber DB 400: insurance company server

410: insurance DB 420: insurance subscriber DB

500: terminal provider server 600: logistics server

Claims (17)

It is connected to the switchboard of the mobile communication system, which includes a base station performing wireless section communication with a mobile communication terminal, a base station controller controlling the base station, and a switchboard performing call exchange, and includes a plurality of general plan information and plans. Claims [1] A system comprising a billing server for processing billing for a mobile communication usage fee having a general plan information database for storing rate information and a subscriber database for storing general plan information for each subscriber. The billing server includes a guaranteed fee information database for storing additional fee information other than a mobile communication fee, additional fee payment request turnaround information, and service contents for the additional fee; And a guaranteed subscriber database that stores subscriber-specific guaranteed plan information and supplementary payment cycle information. Upon receiving the billing data of the subscriber from the exchange, the subscriber checks the general plan information of the subscriber on the basis of the subscriber database, and uses the mobile communication fee according to the corresponding rate for the subscriber plan on the basis of the general plan information database. A royalty fee calculation unit to calculate; An expiration determination unit that checks the subscriber's guaranteed plan information on the basis of the guaranteed subscriber database and determines whether the additional fee is due to be compared by comparing the payment request cycle with the subscriber's additional fee payment cycle; A fee addition processing unit that calculates a charge amount by adding a corresponding additional amount to the calculated user fee of a subscriber who has not reached an additional fee due date based on the guaranteed rate information database; A guaranteed service processing unit which checks the guaranteed service information of the subscriber who has reached the surcharge due on the basis of the guaranteed plan information database and processes the corresponding covered service; Guaranteed billing service system of a mobile communication system comprising a. The method of claim 1, The guaranteed service processing unit, In the case of a subscriber including a rate discount service in the guaranteed service, a guaranteed charge service system of a mobile communication system, characterized in that a calculated amount is calculated by subtracting the discount amount from the calculated usage fee. The method of claim 1, The guaranteed billing service system, And a mobile phone insurance service server for storing mobile phone insurance service information related to a mobile communication service and a mobile phone insurance subscriber database for storing mobile phone insurance service subscriber information and providing insurance service related to a mobile communication service. Configured by The guaranteed service processing unit transmits the personal information of the subscriber to the mobile phone insurance service server when the subscriber includes the mobile phone insurance service in the guaranteed service, And the mobile phone insurance service server automatically processes the subscriber to mobile phone insurance. The method of claim 3, The mobile phone insurance service, A free terminal payment service that provides a terminal free of charge when the mobile terminal is damaged, a free terminal repair service that repairs the terminal free of charge when the mobile terminal is damaged, and a terminal replacement service that replaces the mobile terminal with a new terminal; And at least one of a battery free payment service of the subscriber mobile communication terminal. The method of claim 3, The mobile phone insurance service server, A terminal provider server providing a mobile communication terminal and a logistics server in charge of delivery of the mobile communication terminal, Guaranteed charging of the mobile communication system characterized in that the free information communication terminal is provided to the subscriber by transmitting the delivery information of the subscriber automatically subscribed to the mobile phone insurance through the charging server to the terminal provider server and / or logistics server Service system The method of claim 1, The guaranteed billing service system, It further comprises an insurance company server for providing a variety of insurance services having an insurance database for storing a variety of insurance service information, and an insurance subscriber database for storing the insurance service subscriber information, The guaranteed service processing unit transmits the personal information of the subscriber to the insurer server in the case of a subscriber including the insurance service of any one of various insurance services stored in the insurance database in the guaranteed service, The insurance company server guarantees automatic subscription processing of the subscriber to the insurance, billing service system of the mobile communication system. The method of claim 6, The insurance company server requests a digital signature to the subscriber's mobile terminal when the subscriber's signature is required for the insurance processing and transmits a short message including a return URL address to the insurance company server through confirmation of the short message. A guaranteed billing service system of a mobile communication system, characterized by receiving an electronic signature from a connected mobile communication terminal and insured processing. The method of claim 1, The guaranteed service processing unit, A mobile communication system confirming the guaranteed service information of the subscriber who has reached the surcharge payment expiration date based on the guaranteed rate information database, and transmitting a short message including the corresponding guaranteed service information to the mobile communication terminal of the subscriber; Guaranteed billing service system. The method of claim 1, The guaranteed service processing unit, A guaranteed billing service system of a mobile communication system, characterized in that the subscriber checks an additional fee payment cycle and processes the subscriber's covered services after a specific payment cycle. It is connected to the switchboard of the mobile communication system, which includes a base station performing wireless section communication with a mobile communication terminal, a base station controller controlling the base station, and a switchboard performing call exchange, and includes a plurality of general plan information and plans. General plan information database that stores rate information, subscriber database that stores general plan information per subscriber, guaranteed plan information database that stores additional fee information and additional fee request turnaround information and service contents for the additional fee A guaranteed billing service method of a system comprising a billing server for processing billing for a mobile communication usage fee, having a guaranteed subscriber database for storing bill information and surcharge payment turnaround information. When the billing server receives the billing data of the subscriber from the exchange, it checks the general plan information of the subscriber on the basis of the subscriber database and uses mobile communication according to the corresponding rate for the subscriber plan on the basis of the general plan information database. Calculating a fee; Determining whether the subscriber is a guaranteed plan user based on the guaranteed subscriber database; and if the user is a guaranteed plan user, comparing the required rate of payment of the covered plan with the additional fee payment of the subscriber to determine whether the additional fee is due to expire; ; Calculating a billing amount by adding the additional amount to the calculated fee based on the guaranteed rate plan information database when the subscriber is unsatisfied with the surcharge fee due to the determination result; If the subscriber is due to pay the surcharge, confirming the covered service information based on the guaranteed plan information database and processing the covered service; Guaranteed charging service method of a mobile communication system comprising a. The method of claim 10, Processing the guaranteed service, In the case of a subscriber including a rate discount service in the guaranteed service, the billed amount of the mobile communication system is calculated by subtracting the discounted amount from the calculated fee. The method of claim 10, The billing server is connected to a mobile phone insurance service server providing a mobile phone insurance service related to a mobile communication service, Processing the guaranteed service, Transmitting, by the billing server, the subscriber's personal information to the cellular phone insurance service server when the subscriber includes the cellular phone insurance service in the guaranteed service; The mobile phone insurance service server automatically subscribing the subscriber to mobile phone insurance; Guaranteed billing service method of a mobile communication system comprising a. The method of claim 12, The mobile phone insurance service server is connected to a terminal provider server providing a mobile communication terminal and a logistics server in charge of delivery of the mobile communication terminal. After the step of automatically enrolling the subscriber to the mobile phone insurance, Determining whether the mobile communication terminal is provided free of charge to the subscriber; Transmitting a short message including terminal free provision information and reply URL address information to the subscriber's mobile communication terminal in the free provision period as a result of the determination; Connecting the subscriber's mobile communication terminal to the reply URL address through confirmation of the short message, and receiving information on whether the subscriber agrees to provide the terminal free of charge from the mobile communication terminal; The mobile phone insurance service server transmits the terminal information and the delivery address information of the terminal to be provided to the subscriber to the terminal provider server or the logistics server, and free terminal to the subscriber according to the terminal information and the delivery address information from the terminal provider server or the logistics server. To be delivered; Guaranteed charging service method of a mobile communication system comprising a. The method of claim 10, The billing server is connected to the insurance company server that provides a variety of insurance services, Processing the guaranteed service, Transmitting, by the billing server, the subscriber's personal information to the insurer's server when the insured service includes the insurance service of any one of various insurance services stored in the insurance database; The insurance company server automatically subscribing the subscriber to the insurance; Guaranteed billing service method of a mobile communication system comprising a. The method of claim 14, The insurance company server automatically processing the subscriber to the insurance, Transmitting a short message including the insurance information and the electronic signature request information to the subscriber's mobile communication terminal; Receiving electronic signature data from a subscriber mobile communication terminal connected to an insurance company server through confirmation of the message; Processing the subscriber to the insurance by using the received electronic signature data; And Transmitting the electronic insurance certificate of the insured subscriber to the mobile communication terminal of the subscriber; Guaranteed charging service method of a mobile communication system comprising a. The method of claim 10, Processing the guaranteed service, Checking the guaranteed service information of the subscriber who has reached the surcharge payment expiration date and transmitting a short message including the guaranteed service information to the mobile communication terminal of the subscriber; Guaranteed charging service method of a mobile communication system comprising a. The method of claim 10, After the step of determining whether payment is due, Confirming whether the subscriber's surcharge payment cycle has passed a specific payment cycle, The guaranteed service processing step may be performed when the additional fee payment cycle of the subscriber has passed a specific payment cycle.