KR100535923B1 - A method for settling a small sum using cellular phone - Google Patents

Abstract

In the small payment method using the mobile phone according to the present invention, when the customer (1) applies for automatic billing of mobile phone bills, the CATV customer information server (3) to the mobile carrier through the mobile phone small payment service gateway server (5) Requesting confirmation of mobile phone subscriber information, the mobile phone micropayment service gateway server 5 requesting mobile phone company authentication server 7 to confirm mobile phone subscriber information; When the mobile phone provider authentication server 7 is notified that the mobile phone registration personal information is matched, the mobile phone micropayment service gateway server 5 notifies the CATV customer information server 3 that the mobile phone subscriber information has been confirmed ; Requesting, by the cellular phone micropayment service gateway server (5), to transmit the authentication key value of an actual cellular phone user to the mobile communication company authentication server (7); The mobile phone 1 receives the SMS authentication key value by notifying the CATV customer information server 3 that the authentication key value has been confirmed, thereby confirming that the CATV customer information server 3 is an automatic billing customer. When the micropayment service gateway server 5 requests the automatic billing, the mobile phone micropayment service gateway server 5 requests the mobile communication company certificate server 7 to confirm the mobile phone subscriber information and the payment amount. ; When the mobile telecommunication company certificate server 7 confirms and notifies the mobile phone subscriber information and the payment amount, the mobile phone micropayment service gateway server 5 requests the CATV billing to the mobile telecommunication company certificate server 7; ; The mobile service provider authentication server (7) after the billing transmits the CATV fee automatic billing result notification SMS of the month, and stores the billing information in the customer data server (9) of the mobile phone carrier billing service is completed When notifying the server 5, the cellular phone micropayment service gateway server 5 storing the billing information in the customer transaction information storage server 6; And the mobile phone micropayment service gateway server 5 notifying the CATV customer information server 3 of the CATV company that the billing of the month has been completed.

Description

Small payment method using a mobile phone {A METHOD FOR SETTLING A SMALL SUM USING CELLULAR PHONE}

According to the present invention, various charges such as various utilities, cable TV subscription fees, high-speed Internet usage fees, and other bills paid by Giro and other methods are added to the monthly mobile phone bill until the termination of the customer with the initial one-time approval through the mobile phone terminal. It relates to a small payment method using a mobile phone that can be claimed and accommodated.

In the past, various utilities, cable TV subscription fees, high-speed Internet usage fees, etc., were paid by consumers directly to banks through Giro or through other means such as transfers through financial institutions. Therefore, in order to pay various fees, they have to visit a financial institution every month or at least use a financial institution, thereby having to take the hassle of using a financial institution.

The present invention has been invented in view of the above-mentioned, and by allowing the customer to charge and receive various charges on a monthly mobile phone bill, until the customer's termination with an initial one-time approval through the mobile phone terminal, various charges on the consumer side To solve the hassles of using a bank every month to pay the amount of money, the service provider provides a small payment method using a mobile phone that can reduce all costs such as paper, postage, re-shipment due to late fees, and other administrative costs. Has its purpose.

Small amount payment method using a mobile phone according to the present invention for achieving the above object, CATV customer information server (3) is a mobile phone micro payment service gateway server (5) when the customer (1) is a mobile phone charge integrated automatic application Requesting confirmation of cellular phone subscriber information through the mobile telecommunication company, requesting the cellular phone micropayment service gateway server 5 to confirm mobile phone subscriber information to the mobile communication company authentication server 7; When the mobile phone provider authentication server 7 is notified that the mobile phone registration personal information is matched, the mobile phone micropayment service gateway server 5 notifies the CATV customer information server 3 that the mobile phone subscriber information has been confirmed ; Requesting, by the cellular phone micropayment service gateway server (5), to transmit the authentication key value of an actual cellular phone user to the mobile communication company authentication server (7); The mobile phone 1 receives the SMS authentication key value by notifying the CATV customer information server 3 that the authentication key value has been confirmed, thereby confirming that the CATV customer information server 3 is an automatic billing customer. When the micropayment service gateway server 5 requests the automatic billing, the mobile phone micropayment service gateway server 5 requests the mobile communication company certificate server 7 to confirm the mobile phone subscriber information and the payment amount. ; When the mobile telecommunication company certificate server 7 confirms and notifies the mobile phone subscriber information and the payment amount, the mobile phone micropayment service gateway server 5 requests the CATV billing to the mobile telecommunication company certificate server 7; ; The mobile service provider authentication server (7) after the billing transmits the CATV fee automatic billing result notification SMS of the month, and stores the billing information in the customer data server (9) of the mobile phone carrier billing service is completed When notifying the server 5, the cellular phone micropayment service gateway server 5 storing the billing information in the customer transaction information storage server 6; And the mobile phone micropayment service gateway server 5 notifying the CATV customer information server 3 of the CATV company that the billing of the month has been completed.

(Example)

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

1 is an overall configuration for explaining the automatic billing process of the micropayment method using a mobile phone according to an embodiment of the present invention, Figure 2 is an automatic billing process of a micropayment method using a mobile phone according to an embodiment of the present invention Is a flowchart.

In addition, in the present embodiment, a method of making a payment using a mobile phone in connection with watching cable TV (hereinafter referred to as CATV) will be described.

Herein, the automatic charging process according to the present invention will be described based on the processing procedure path of FIG. 1 corresponding to each step of FIG. 2.

Step 1:

First, a customer (1) who wants to watch CATV applies for a subscription to a CATV company, and selects a mobile phone payment among various payment methods when applying for an initial subscription.

When applying to join the CATV company in this way, the customer will inform the CATV company their mobile phone number, social security number, registered carrier information.

Step 2:

In this way, when the customer 1 selects the mobile phone payment and applies, the CATV customer information server 3 checks the personal information of the CATV subscriber, and then requests and inputs the mobile phone subscriber's information to be automatically paid (path 2). .

Step 3:

Subsequently, the CATV customer information server 3 requests confirmation of mobile phone subscriber information from the mobile communication company through the mobile phone micropayment service gateway server 5 according to the present invention (path 3).

The cellular phone micropayment service gateway server 5, which has received a request for confirmation of cellular phone customer information from the CATV customer information server 3, requests the cellular phone company to confirm cellular phone subscriber information (path 4).

The mobile service provider authentication server 7 receiving the mobile phone subscriber information confirmation request from the mobile phone micropayment service gateway server 5 checks the customer information received from the mobile phone micropayment service gateway server 5, that is, a mobile phone number and a resident number. Next, if the mobile phone registration personal information is consistent and there are no service problems (suspension of use, minors, usage exceeded, mobile phone payment blocking requester, corporate mobile phone, etc.), the mobile phone registration service personalized mobile phone registration server 5 Notify that the information matches (path 5).

The mobile phone micropayment service gateway server 5, which has been informed that the mobile phone registration personal information is identical from the mobile communication company authentication server 7, notifies the CATV customer information server 3 that the mobile phone subscriber information has been confirmed (path 6).

Step 4:

Subsequently, the cellular phone micropayment service gateway server 5 requests the mobile communication company authentication server 7 to transmit the authentication key value of the actual mobile phone user (path 7).

The mobile service provider authentication server 7 which is requested to transmit the authentication key value of the mobile phone actual user from the mobile phone micro payment service gateway server 5 transmits the SMS to the customer's mobile phone 2 within a few seconds through the mobile communication service provider SMS transmission server 8. Send the authentication key value, which is a one-time password, to the text service (Path 8).

Step 5:

The customer 1 who has received the SMS authentication key value via the mobile phone 2 notifies the CATV customer information server 3 that the authentication key value has been confirmed (path 9).

Step 6:

CATV customer information server (3) notified that the authentication key value is confirmed, and confirms that the automatic billing customer to the automatic billing customer DB (4), and stores it as data (path 10).

Step 7:

Then, the CATV customer information server 3 requests the automatic request to the cellular phone micropayment service gateway server 5 on the basis of the data confirming that it is an automatic billing customer (path 11).

Upon receipt of the request for automatic billing, the cellular phone micropayment service gateway server 5 requests the mobile communication company authentication server 7 to confirm the mobile phone subscriber information and the payment amount (path 12).

The carrier certificate server 7 which has been requested to confirm the mobile phone subscriber information and the payment amount is confirmed, and after the mobile phone subscriber information and the payment amount are confirmed, the mobile phone subscriber information is matched and the payment amount is confirmed. Notify by (5) (Path 13).

Step 8:

The mobile phone micropayment service gateway server 5, which has been informed that the mobile subscriber information is matched and that the payment amount is confirmed, requests the CATV billing to the mobile communication company authentication server 7 (path 14).

Step 9:

The carrier certificate server (7), which has received a CATV charge charge from the cellular micropayment service gateway server (5), charges the CATV charge for the corresponding month to the customer's mobile phone (2) through the carrier SMS transmission server (8). Automatically billed results CATV bill automatic billing result notification SMS is sent (path 15).

Step 10:

The mobile communication company authentication server 7 stores the charging information in the customer data server 9 of the mobile communication company (path 16).

Step 11:

Subsequently, the mobile communication company authentication server 7 notifies the cellular phone micropayment service gateway server 5 that the charging is completed (path 17).

Step 12:

The mobile phone micropayment service gateway server 5 notified that the charging is completed stores the charging information in the customer transaction information storage server 6 (path 18).

Step 13:

Subsequently, the cellular phone micropayment service gateway server 5 notifies the CATV customer information server 3 of the CATV company that the charge for the month has been completed (path 19).

Step 14:

The CATV customer information server 3 notified of the charge is stored in the automatic billing customer DB 4 (path 20).

In each of the above steps, steps 1 to 6 relate to the initial automatic billing consent, and steps 7 to 14 relate to the automatic billing procedure.

Customers who watch CATV according to the above processing procedure are convenient by using the postpaid payment service that adds and charges the CATV viewing fee to the mobile phone bill every month until the customer's dismissal by the initial one-time approval through the mobile terminal. It will be possible to pay a fee.

In the above description, only the CATV payment is described. However, the present invention is not limited to the CATV payment. However, the present invention is not limited to the payment of CATV payments, and various transactions such as various utilities, high-speed Internet usage fees, digital broadcasting usage fees, etc. Of course, it can be applied to various charges that were paid by other means.

As described above, according to the present invention, the consumer can eliminate the trouble of having to use the bank every month to pay various charges, and the service company provides all kinds of papers, postage costs, resending costs due to late fees, and other administrative costs. This can reduce costs.

1 is an overall configuration diagram for explaining the automatic charging process of a small payment method using a mobile phone according to an embodiment of the present invention,

2 is a flowchart of an automatic charging process of the micropayment method using a mobile phone according to an embodiment of the present invention.

1 --- customer

2 --- mobile phone

3 --- CATV Customer Information Server

4 --- Automatic Billing Customer DB

5 --- Mobile phone payment service gateway server

6 --- Customer transaction information storage server

7 --- Carrier Certificate Server

8 --- Mobile carrier SMS transmission server

9 --- Carrier Customer Data Server

Claims (1)

When the customer 1 requests the automatic billing of the mobile phone fee, when the CATV customer information server 3 requests the confirmation of the mobile phone subscriber information to the mobile service provider through the mobile phone micropayment service gateway server 5, The payment service gateway server 5 requesting confirmation of cellular phone subscriber information from the mobile communication company authentication server 7; When the mobile phone provider authentication server 7 is notified that the mobile phone registration personal information is matched, the mobile phone micropayment service gateway server 5 notifies the CATV customer information server 3 that the mobile phone subscriber information has been confirmed ; Requesting, by the cellular phone micropayment service gateway server (5), to transmit the authentication key value of an actual cellular phone user to the mobile communication company authentication server (7); The mobile phone 1 receives the SMS authentication key value by notifying the CATV customer information server 3 that the authentication key value has been confirmed, thereby confirming that the CATV customer information server 3 is an automatic billing customer. When the micropayment service gateway server 5 requests the automatic billing, the mobile phone micropayment service gateway server 5 requests the mobile communication company certificate server 7 to confirm the mobile phone subscriber information and the payment amount. ; When the mobile telecommunication company certificate server 7 confirms and notifies the mobile phone subscriber information and the payment amount, the mobile phone micropayment service gateway server 5 requests the CATV billing to the mobile telecommunication company certificate server 7; ; The mobile service provider authentication server (7) after the billing transmits the CATV fee automatic billing result notification SMS of the month, and stores the billing information in the customer data server (9) of the mobile phone carrier billing service is completed When notifying the server 5, the cellular phone micropayment service gateway server 5 storing the billing information in the customer transaction information storage server 6; And a step of notifying the CATV customer information server (3) of the CATV company by the mobile phone micropayment service gateway server (5) that the billing of the month has been completed.