KR100624974B1 - Method and apparatus for discharging expenses by telephone card - Google Patents

Abstract

The present invention relates to an apparatus and a method for implementing a system by interworking a communication processor of a telecommunication company and each content providing server of the Internet so that anyone on the Internet can conveniently and securely pay using a telephone card. In the implementation of the payment service, by using the telephone card as a means of payment, it is possible to safely and easily purchase paid content or products, and can be used by anyone without a credit card from the point of view of the content consumer. There is no concern, and it saves time due to bank deposit, so it is possible to use the payment service safely and conveniently. There is no management fee and the credit card It solves the difficulties of small payment.

Description

Method and apparatus for discharging expenses by telephone card {method and apparatus for discharging expenses by telephone card}

1 is a configuration diagram of an entire system employed in the present invention;

2 is an internal configuration diagram of the telephone card payment processing system shown in FIG. 1;

3 is a configuration diagram in which a telephone card number and the like are transmitted in each device shown in FIG. 1.

<Description of Symbols for Major Parts of Drawings>

11: personal computer of content consumer

12: server computer of the content provider

13 server 14 matching device

15: communication processor 16: telephone card payment processing system

17: Internet 32: Multiple Access Device

33, 34, 35; terminal

The present invention relates to a cost payment apparatus and method using a telephone card, and more particularly, to an apparatus and method for implementing an electronic payment service using a telephone card in the Internet.

With the rapid growth of the Internet in recent years, it has become a major player in change in the information society. As a result, many contents are flooded, but relatively high quality contents are insufficient.

Content providers need to pay a price for the internet to thrive properly. To date, content providers (CPs) are having difficulty paying for content because there is no proper payment service for Internet content.

In general, credit card is widely used as a method of payment on the Internet, but it is often avoided due to security problems. In particular, adolescents have a problem that it is difficult to use a small amount of payment made on the Internet.

Various methods, such as electronic money, are used to make small payments, but there are many inconveniences for consumers to use easily and simply.

The other method is bank deposit method, but it is cumbersome to visit the bank in person or use telebanking or PC banking, and for the content provider, it is necessary to provide a service after confirming the payment one by one. There is a big disadvantage of not being able to.

Accordingly, the present invention has been made to solve the above-mentioned conventional problems, by interworking the communication processor of the communication company and each content providing server of the Internet so that anyone on the Internet can pay the most convenient and safe using the telephone card. It is an object of the present invention to provide an apparatus and method for implementing a system.

According to a preferred embodiment of the present invention, a paying apparatus using a calling card includes a personal computer of a content consumer connected to the Internet and designating desired paid contents or goods using a calling card;

A server computer of a content provider connected to the Internet and accepting a request of the content consumer using a telephone card payment service;

Processing means connected to the server computer of the content provider via the Internet and processing a telephone card payment service according to a request of a content consumer on the Internet; And

And a communication processor of a communication company connected to the processing means and a communication network to perform billing processing for the content consumer.

In addition, the payment method using the phone card according to an embodiment of the present invention, the process of requesting the phone card number and password in the server computer of the content provider when a purchase request for paid content or goods from the content consumer;

Performing user authentication based on the input telephone card number and password; And

If the phone card number and password are certain, the content consumer may be provided with a paid content or product.

The above objects, features and advantages will become more apparent from the following detailed description taken in conjunction with the accompanying drawings. Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings.

1 is a configuration diagram of an entire system employed in the present invention, and reference numeral 11 denotes a personal computer of a content consumer. Here, the content is defined to include not only text information but also pictures, sounds, images, and digital goods. In addition, a content consumer is a user who uses a personal computer or various terminals to search for content or to purchase a product for a fee or free on the Internet 17.

Reference numeral 12 denotes a server computer of a content provider that performs telephone card payment service processing on the Internet 17. Here, the content provider is defined to include a company or an individual who operates a web site server to provide paid content or products to content consumers on the Internet 17.

In addition, the telephone card in the present invention is a wired communication for the purpose of making it possible to conveniently use a telephone by charging a specified telephone number or a prepaid card number even when using any telephone in Korea or abroad. Alternatively, a prepaid and postpaid phone card supplied by a telecommunication company providing a wireless communication service is defined to include a card or a card number and a password issued by a telecommunication company for use similar to a conventional phone card.

Reference numeral 15 is a communication processor for providing a voice or non-voice communication in a telecommunications company. The communication processor 15, although not shown, includes additional equipment such as a telephone exchange, a network connection device, a communication charge billing, and a fee information billing device, and a computer connected thereto.

Reference numeral 16 is a telephone card payment processing system connected to the server computer 12 of the content provider on the Internet 17 to support the telephone card payment service. The telephone card payment service is a service that allows a content provider to purchase paid content or goods on the Internet 17 using a telephone card.

The telephone card payment processing system 16 includes a server 13 for supporting and managing a telephone card payment service in a server computer 12 of a content provider, and the server 13 and a telephone card as shown in FIG. It is provided with a matching device (14) to be connected to a communication processor (15) of an available communication company by a communication network.

The matching device 14 is a multiple access device (MUX) 32 connected to the server 13, and a terminal (PSTN User Terminal, ISDN User Terminal) connected to the multiple access device 32 and able to communicate with each network 33 to 35). Here, the terminal 33 is used as a terminal for a public telephone network, the terminal 34 is used as a terminal for a public data network, and the terminal 35 is used as a terminal for a comprehensive information communication network.

According to the configuration of Fig. 2, the server 13 selects a channel that is not in use according to the communication network type of the corresponding communication company of the telephone card number, and the terminals 33 to 35 of the channel selected through the multiple access device 32. Is connected to the communication processor 15 of the telecommunication company.

Accordingly, the telephone card payment processing system 16 has a function of selecting a corresponding telecommunication company communication network of the telephone card, a function of selecting a channel that is not in use, and each terminal through the multiple access device 32 of the matching device 14. Functions of requesting connection and disconnection to (33 to 35), sending and receiving information to and from the communication processor 15, and managing a channel in use and a channel not in use.

FIG. 3 is a configuration diagram in which a telephone card number and the like in each device shown in FIG. 1 are transmitted. The cost payment method according to the present invention will be described with reference to FIG. 3.

When a content consumer connects to the Internet using a personal computer 11 and purchases any content, he / she enters a telephone card number to use a telephone card payment service, and the content provider's server computer 12 calls to receive user authentication. The telephone card number is transmitted to the server 13 of the card payment processing system 16. The server 13 connects through the matching device 14 to the communication processor 15 of the corresponding telecommunication company of the telephone card number using the telephone card number. The communication processor 15 confirms that the telephone card number and the password are correct, and if it is corrected, it processes the charging process and then transfers the charging confirmation information to the server 13 to inform that the user is authenticated. Here, the information protection technology is applied so that the phone card number and password transmitted from the content consumer and the server 13 cannot be seen by a third party.

Accordingly, the server 13 transmits the user authentication result to the server computer 12 of the content provider, and manages billing data for each content provider and usage data for each phone card.

Thereafter, the server provider 12 of the content provider provides the content to the content consumer when the user is authenticated by the server 13.

That is, the above-described method of the present invention allows a telephone company to charge a telephone card on behalf of the telephone card user in order to charge the telephone card user's telephone number for a fee paid by the telephone card user for receiving contents from the Internet. It is to be able to charge.

Through such a series of processes, content consumers pay the most easily and conveniently for the paid content of the Internet.

According to the present invention as described above, by using a telephone card as a means of payment in implementing a payment service on the Internet, it is possible to safely and easily purchase paid content or goods.

In addition, anyone can use it without a credit card from a content consumer's point of view, there is no fear of security problems such as information leakage, and time savings due to bank deposits can be used safely and conveniently. From the point of view of the contents provider, there is no restriction on the target of the user due to the payment method only, no management costs due to the bank deposit, and the difficulty of the small payment that the credit card has.

On the other hand, any type of telecom contractor can only use the telephone card issued by the correspondence company as a means of payment on the Internet, thereby greatly activating the Internet content market quantitatively and qualitatively.                     

In addition, preferred embodiments of the present invention are disclosed for the purpose of illustration, those skilled in the art will be able to various modifications, changes, additions, etc. within the spirit and scope of the present invention, such modifications and modifications belong to the following claims You will have to look.

Claims (8)

When the telephone card number and the user information are provided from the content provider's computer, the telephone company selects the communication network of the telecommunication company that can use the telephone card corresponding to the provided telephone card number and transmits the telephone card number and the user information through the selected communication network. Card payment processing device; And And a communication processor configured to authenticate a user by using the telephone card number and user information provided from the telephone card payment processing apparatus through the communication network and to charge a fee for using contents. According to claim 1, wherein the telephone card payment processing device A server for selecting a communication network of a communication company corresponding to the provided telephone card number and outputting the telephone card number and the user information when the telephone card number is received from the computer of the content provider; And And a matching device connected to the communication processors of each communication company through a different type of communication network and supporting communication between the server and the communication processor through a specific communication network selected by the server. Payment system using telephone card. The method of claim 2, wherein the matching device A plurality of communication terminals that interface with the different types of communication networks to support communication between the server and the communication processor; And And a multiple access device for selectively connecting any one of the plurality of communication terminals and the server according to the selection of the server. The method of claim 3, wherein the plurality of communication terminals Cost payment system using a telephone card, characterized in that any one of a terminal for a public telephone network, a terminal for a public data network and a terminal for a comprehensive information communication network. The communication processor of claim 1, wherein the communication processor comprises: Cost payment system using a phone card, characterized in that the charge for the content provided by the user to the telephone number of the authenticated user. A first step of selecting a communication network capable of communicating with a telecommunication company that can use a telephone card corresponding to the telephone card number when receiving a telephone card number and user information from a computer of a content provider; A second step of transmitting the telephone card number and user information to the telecommunication company through the selected communication network; And And a third step in which the telecommunication company authenticates the user using the phone card number and the user information, and charges a content fee for the phone number of the authenticated user. The method of claim 6, The network receiving the calling card number and the user information from the computer of the content provider and the network transmitting the calling card number and the user information to the communication processor are different networks according to different protocols. Payment method. 8. The network of claim 7, wherein the network for transmitting the telephone card number and the user information to the communication processor is Cost payment method using a telephone card, characterized in that any one of the public telephone network, public data network, integrated information communication network.

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