KR100642013B1 - Method for requesting a expense using mobile-phone and the system therefor - Google Patents

Abstract

In a billing method using a short message service, a first step of creating a short bill related short message and sending it to the mobile communication terminal of the recipient through an SMS server, and confirming the short message displayed on the screen of the mobile terminal is called back. A second step of accessing the billing agent system by using a function; and a third step of extracting and confirming a calling party number of the connected mobile communication terminal, and the billing agent system moves the billing cost to the recipient. The fourth step of confirming the intention of payment by delivering a guide message using a voice or wireless internet screen informing the payment fee in addition to the communication fee, and collecting the telephone number and the billing fee according to the payment agreement of the recipient. A fifth step of transmitting to a mobile carrier, and the mobile carrier applies for a subscriber's mobile fee; By performing the sixth step of issuing bills by summing the costs, request to pay bills, taxes, other service charges, etc., using the mobile terminal's short message (SMS) in addition to the mobile terminal's fee. By immediately obtaining consent, the present invention provides a method and system for paying a cost using a mobile communication terminal, which can significantly reduce the cost and time required for the storage of billing costs and secure the promptness and convenience of the storage. .

Description

Cost payment method and system using mobile communication terminal {METHOD FOR REQUESTING A EXPENSE USING MOBILE-PHONE AND THE SYSTEM THEREFOR}             

1 is a view showing a billing system using a mobile communication terminal according to an embodiment of the present invention,

2 is a view illustrating a billing method according to an embodiment of the present invention,

3a and 3b is a flowchart showing a billing and payment process according to an embodiment of the present invention,

4 is a view illustrating a guidance method when paying costs according to an embodiment of the present invention.

      Explanation of symbols on the main parts of the drawings

1: Requester 10: Billing Agent System

11: main processor 13: storage

17: Short Message Server 20: Guide Server

21: Automatic Response Server (ARS) 23: Wireless Internet Server

30: mobile communication terminal (subject to receiving) 50: mobile communication company

The present invention relates to a billing system, and more particularly, to a billing method and a system using a mobile communication terminal for billing all costs such as utility bills and unpaid payments using a text message service and an automatic response service function of a mobile communication terminal. It is about.

With the development of communication technology and the spread of mobile phones, mobile phones are becoming a necessity of life for modern people. Accordingly, various services are provided using the service. The most commonly used service is a short massage service (SMS) in which a user writes a character string using a mobile phone and transmits the string to the receiving mobile phone.

The short message service is a process in which a user who wants to send a message writes a character string using a wireless or wired terminal and transmits the message to the wireless network operator along with the mobile phone number of the receiver. Is delivered by.

On the other hand, payment methods used for e-commerce include traditional credit card payment and bank transfer methods, but recently, new payment methods such as payment method using cyber money and payment method using mobile phone or regular phone (ARS) The method has emerged and is being used.

In particular, as a micropayment method, a payment method using a newly appeared mobile phone or cyber money is used rather than a credit card method. For the payment method using the mobile phone, first, the cyber money is purchased, and the cyber money is used to purchase the product, and the purchase is made by including the payment function in the mobile phone by making a contract with the mobile communication service provider without purchasing the cyber money. There is a way.

In the case of storing giro bills, companies or organizations that wish to make payments are advised to issue papers to customers or to take complicated or cumbersome actions for customers to pay themselves by visiting the site. Therefore, the group that wants to pay is not able to achieve the purpose sufficiently, and there is a problem that inevitably occurs in the case of payment of cash (receiving the change back).

Accordingly, an object of the present invention is to remove the inefficient processes in terms of cost and time, such as billing using bills or papers, which are disadvantages of off-line, so that the mobile communication terminal can increase work efficiency. To provide a cost payment method and the system used.

It is another object of the present invention to request for payment of utility bills, taxes, and other service charges in addition to the usage fee of the mobile communication terminal by using a short message (SMS) of the mobile communication terminal, thereby obtaining an agreement immediately. The present invention provides a method and system for paying a cost using a mobile communication terminal, which can significantly reduce the cost and time required for storing and secure the immediateness and convenience of storing.

Another object of the present invention, by issuing a bill for a short message and automatically recognizes the recipient's telephone number to immediately determine whether or not to receive, by the identification of non-recipients and calculation of storage statistics and its automation can be managed To provide a cost payment method and system using a mobile communication terminal that can increase the efficiency of the.

Technical method of the present invention for achieving the above object, in a billing method using a short message service: to create a billing-related short message to send to the mobile communication terminal 30 of the recipient through the SMS server (17) First step; A second step of checking a short message displayed on the screen of the mobile communication terminal 30 and accessing the billing agent system 10 using a callback function; The billing agent system 10 is a third step of extracting and confirming the calling party number of the connected mobile communication terminal 30; The billing agent system 10 is a fourth step of confirming the intention to pay by delivering a guide message using a voice or wireless Internet screen informing the receiving party to pay the billing charges to the mobile communication charges; A fifth step of collecting a telephone number and a billing fee according to the payment target of the receiving party and transmitting the collected telephone number to the mobile communication company 50 through online; And the sixth step of issuing a bill by adding the billing cost to the subscriber's mobile communication fee.

Technical means of the present invention for achieving the above object, in a billing system using a short service: providing information on the telephone number and the storage cost of the mobile communication terminal 30 of the receiving party from the storing client (1) A billing system for preparing a short message about whether to pay the storage fee to the mobile communication fee and sending the received payment to the mobile communication terminal 30 of the receiving target, and processing all the payment procedures according to the payment target of the receiving target (10). ); A mobile communication terminal (30) of a recipient who receives and confirms a payment request short message using a mobile communication bill invoice transmitted from the billing agent system (10), and then proceeds with a consent process and a personal authentication process through a predetermined procedure; And when the payment related information for each recipient is transmitted from the billing agent system 10, if there is no abnormality through the authentication of the recipient of the corresponding recipient, the mobile telecommunications company automatically adds the payment fee to the mobile communication fee of the recipient; System 50; characterized by.

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

1 is a view showing a billing system according to an embodiment of the present invention, Figure 2 is a view showing for explaining the billing method of Figure 1, the client 1, billing agency system 10, It consists of a mobile communication terminal 30 and a mobile communication company system (50).

The storage client (1) is an institution that charges utility bills or taxes, financial institutions that request loans and interest, credit guarantee institutions that request repayment of debts, companies that charge communication fees or various service fees, and various fund raising. It is configured to provide the billing agent system 10 with information such as a telephone number of the mobile communication terminal 30 of the recipient and the billing amount thereof, online or offline, as a company that performs a billing agency system 10. ) Receives the telephone number of the mobile communication terminal 30 of the storage target person and information about the storage cost from the storage client 1, and prepares a short message indicating whether the storage cost is calculated by paying the mobile communication fee. After the transfer to the mobile communication terminal 30 is configured to process all the payment process in accordance with the payment agreement of the target recipient, the mobile communication terminal (3 0) receives and displays a short message of the payment statement to be charged by summing the billing cost to the mobile communication fee from the billing agent system 10, and confirms this by the recipient, and proceeds with the payment agreement and identity verification process through a certain procedure. It consists of a personal mobile terminal such as a cellular phone, PCS, PDA, and IMT-2000, and the mobile communication company 50, if the payment related information is transmitted from the billing agent system 10 by the recipient and the identity of the recipient After determining whether the payment amount exceeds the preset limit, if the limit is not exceeded, the bill is added to the mobile communication fee of the recipient and the bill is automatically issued.

In addition, the billing agent system 10, receiving the personal information of the target recipients and write a short message related to payment, and sends a short message to the phone number of the mobile communication terminal 30 and the SMS server 17, and When a short message is transmitted, the number of the corresponding mobile communication terminal 30 is extracted and checked according to the connection of the mobile communication terminal 30, and the payment related message is notified and delivered to the receiver by voice or wireless Internet screen. The guide server 20 for processing the procedure of payment and receiving the information of the recipient from the storage client 1 requests the transmission of the short message to the SMS server 17 and according to the processing result of the guide server 20. The main processor 11 which performs the payment related procedure with the mobile communication company 50, and the storage means 13 which contains the information of the storage client 1, the information of the storage target object 30, and the data about the process. It consists of a.

In addition, the guide server 20 uses an automatic response server 21 or a wireless Internet protocol (WAP, ME), a portable Internet (WiFi), etc., which guides the payment-related agreement message by voice and confirms the payment intention from the receiving object. It can be configured as a wireless Internet server 23 for guiding payment-related agreements through the wireless Internet screen and confirming the payment intention from the recipient, but in terms of installation cost, an automatic response system (ARS) is better.

In addition, the short message of the SMS server 17 is connected to a callback telephone number or a URL (Uniform Resource Locator) of the wireless Internet server 23 connected to the automatic answering server 21 as well as a message asking for the billing cost and payment intention. It is a short message including a callback URL address, and the guide server 20 requests the recipient of the resident registration number for the identity verification process to the receiving party when the recipient agrees to the payment after confirming the short message.

That is, as shown in FIG. 2, when the storing client 1 transmits personal information of the storing subject and the phone number and the billing information of the mobile communication terminal 30 to the billing system 10 online or offline, the billing system 10. (10) After storing the information of the storage client (1) and the recipient of the storage, and writes a short message to ask whether or not to add the amount to be paid to the mobile communication charges to pay the mobile communication terminal of the recipient Transfer to 30.

The receiving party checks the short message sent to the mobile communication terminal 30 and then agrees to pay the billing system 10 using the call-back function to request the billing system 10. In accordance with the procedure to enter the identity verification information with the agreement, the billing agent system 10 according to the mobile telecommunications company 50, information about the recipient's telephone number and payment amount, social security number, transaction time or serial number, etc. Will be sent.

When the payment information is received from the billing system 10, the mobile communication company 50 issues a bill by summing the payment cost to the mobile communication fee of the corresponding recipient if there is no problem through personal authentication. Afterwards, when the receiving party pays the billing fee to the mobile telecommunication company 50, the mobile telecommunication company 50 notifies the billing agent system 10 of the payment and settles the billing cost, and the billing agency system 10 After notifying the payment requester 1 of the payment request, the billing fee is settled and finished.

As described above, when the requesting client 1 requests a billing agent from the billing system 10, the total time required to settle the costs takes a minimum of 30 days to a maximum of 60 days from the request date. Depending on the time of payment, it may be shortened or delayed further.

3 is a flowchart illustrating a billing and payment process of FIG. 1 according to an embodiment of the present invention. Referring to FIG. 1, FIG.

First, the storage client (1) who charges and charges utility bills, taxes, loans, interest, fundraising, communication fees and other service charges to the target person, charges the personal information of the recipient and the telephone number and charges of the mobile communication terminal (30). The information is collected and delivered to the billing agent system 10 through online or offline (S1).

The billing agent system 10 receives the billing-related general information received from the storing client 1 and detailed information including personal information and payment account of the storing client 1 under the control of the main processor 11; The personal information of each recipient and the telephone number and billing information of the mobile communication terminal 30 are stored in the databases 14 and 15 of the storage means 13, and then the telephone number of the mobile communication terminal 30 of the storage recipient 13 The billing information is transmitted to the SMS server 17 (S2).

Subsequently, the SMS server 17 receives the billing information transmitted from the main processor 11 and stores the billing information in the telephone number database 18, and then prepares a short message on whether to pay the bill as a mobile communication fee. Short message to the mobile communication terminal 30 of the target recipient, for example, as shown in Figure 4 "TV receiving fee is not paid 10,000 won. Would you like to replace the cell phone charge? 1. Yes, 2. No" short message such as Transmit (S4).

Subsequently, the receiving target person reads and confirms the short message displayed on the screen of the mobile communication terminal 30, and if the payment request and the contents are allowed, the call back function of the confirmation or response button included in the short message is used. Directly connected to the automatic response server 21 or the wireless Internet server 23 which is the guide server 20 of the billing agent system 10 (S4). The guide server 20 is composed of an automatic response server 21 for automatically outputting a voice and performing an agreement procedure or a wireless internet server 23 for performing an agreement procedure using a wireless Internet screen. It can be used alternatively.

The guide server 20 configured as the automatic guide server 20 or the wireless Internet server 23 extracts the phone number of the mobile communication terminal 30 of the receiving party connected to the callback function to obtain the other party's phone number; S5), by notifying the mobile communication terminal 30 that the payment target person's payment amount is added to the mobile communication fee and charging the mobile communication terminal once again by notifying the target person by pressing a specific button and confirming the payment will again. (S6).

When the receiving target person presses a specific button of the mobile communication terminal 30 or delivers a consent to the guide server 20 through a predetermined procedure, the guide server 20 is a voicement to the mobile communication terminal 30 of the receiving object Alternatively, as shown in FIG. 4, for example, "Please press 13 digits of your social security number and press the asterisk" to input the resident registration number of the recipients through the wireless Internet screen (S7).

On the other hand, the guide server 20 may check the payment intention by pressing a specific button of the mobile communication terminal 30 of the recipient, but at the same time confirming the payment intention by requesting the input of the resident registration number It can also be done.

When the resident registration number is input, the guide server 20 outputs the extracted phone number and resident registration number to the main processor 11 to request identity verification, and the main processor 11 sends the phone number and resident registration number to the corresponding mobile communication company 50. Send a request to confirm your identity. Subsequently, the mobile communication company 50 searches for the subscriber database 55 and checks whether the mobile station is directly transmitted to the billing agent system 10 (S8). Of course, if the storage client does not agree to the payment, the connection is terminated and the payment request procedure is canceled (S7-1).

If there is no abnormality in the recipient's telephone number and social security number, the guide server 20 finally charges the amount paid to the mobile communication fee as shown in FIG. 4, for example, "Thank you. The mobile phone bill is automatically charged." After the notification on the screen or the wireless Internet screen and completes the wireless communication connection with the storage target (S9).

In addition, the mobile communication company 50 determines whether the payment amount exceeds the setting amount determined by the receiving object or itself when performing the identity verification of the receiving person, and if the setting amount is exceeded, the billing agent system. Notification to (10) and the billing agent system 10 may be configured to notify the receiving party by voice or text.

The resident registration number of the subject who has been authenticated in the above is stored and managed in the database 15 of the billing agent system 10, and when the request for authentication of the same phone number is later retrieved, the authentication subject is searched first by searching the database 15 of the subject. It can be shortened. Of course, if there is a change in the personal information of the subscriber according to the phone number is periodically reported from the mobile carrier 50 and updates its contents.

When the identity verification of the receiving subject is completed, the main processor 11 of the billing agent system 10 collects the information of the receiving subject's telephone number, social security number, payment amount, transaction time or serial number and moves through the communication network. Transmission to the communication company 50 (S10), and accordingly, the main processor 51 of the mobile communication company 50 will automatically issue the bill by summing the payment cost to the mobile communication charges of the target recipient (S13).

On the other hand, the mobile communication company 50 may determine whether the payment amount exceeds the set amount determined by the receiving object or itself when performing the authentication of the receiving object, the billing agent system 10 determines whether the receiving object is paid. Before sending the short message, it may be checked whether the preset payment limit is exceeded, or the mobile communication provider 50 may check whether the payment limit is exceeded before the payment is issued to the recipient (S11, S12).

The process of searching for and determining whether the user authentication or the limit is exceeded is not immediately performed in an online (connected) state between the billing agency system 10 and the mobile communication terminal 30 of the target recipient, Using the resident registration number entered into the billing agent system 10, the mobile communication company 50 later searches for and determines whether the user has authenticated or exceeded the limit. The server 17 may notify the mobile communication terminal 30 of the recipient of the abnormality by using the short message (S12-1, S12-2). Obviously, such a procedure can be changed as necessary.

Subsequently, when the receiving party checks the bill sent by the mobile telecommunications company 50 and pays the bill, the mobile telecommunications company 50 notifies the billing agent system 10 of the payment and the account designated in advance. Automatic settlement to (S14).

Subsequently, the billing agent system 10 stores the settlement details in the database 15 of the storage subjects, notifies the payment client 1 of the payment fact, and also includes the database 14 of the storage client 1. Restrict the agency fee to the designated account and settle the remaining amount online.

As described above, in the present invention, it is possible to immediately determine whether the receipt is made by issuing a cost bill through a short message and automatically recognizing the recipient's telephone number. Efficiency can be increased, and the requesting client and the recipient can access the billing agency system through a separate wired Internet to directly check and control the process of billing and receiving the costs, thereby ensuring reliability.

Although specific embodiments of the present invention have been described and illustrated above, various procedures, such as identity verification or cost overcheck, may be changed as necessary, and the modified embodiments may be individually understood from the technical spirit or prospect of the present invention. It should not be, but should fall within the claims appended to the present invention.

As described above, in the present invention, by eliminating considerably inefficient processes in terms of cost and time, such as billing using bills or giro paper, which are disadvantages of offline, the work efficiency of billing and general billing is increased. Can be.

In addition, by requesting payment of utility bills, taxes, and other service charges in addition to the mobile communication terminal fee by using a short message (SMS) of the mobile communication terminal, an immediate consent is obtained. In addition to the considerable cost and time savings, there is an advantage in that the cost recovery rate can be maximized by the immediateness and convenience of storage.

In addition, by issuing a cost bill through a short message and automatically recognizing the recipient's phone number, it is possible to immediately identify whether or not it is stored. There are various advantages, such as being.

Claims (11)

In the method of billing using short service: A first step of the billing agent system preparing a short billing-related short message and sending the short message to the mobile communication terminal of the recipient; A second step in which the billing agent system is connected through a callback function from a storage subject who checks a short message displayed on a screen of the mobile communication terminal; The billing agent system is a third step of extracting and confirming the calling party number of the connected mobile communication terminal; A fourth step of the billing agent system confirming the intention to pay by delivering a guide message using a voice or wireless Internet screen informing the recipient of the billing fee by adding the billing fee to the mobile communication fee; A fifth step in which the billing agent system collects the phone number and the billing cost thereof according to the payment agreement of the recipient and transmits the bill to the mobile communication company through online; And Performing a sixth step in which the billing agent system receives the result of the cost collection from the mobile communication company that issued the bill by summing the billing cost to the subscriber's mobile communication fee; In the fourth step, the billing agent system is characterized in that receiving the intention to pay in accordance with the storage target person pressing a specific button of the mobile communication terminal, In the sixth step, the billing agent system, If the mobile carrier sends a pre-entered resident registration number to the mobile carrier before requesting confirmation of identity, and receives confirmation of identity from the mobile carrier or exceeds the preset payment limit, Cost payment method using a mobile communication terminal, characterized in that it further comprises the step of receiving a notification about this from the mobile communication company. delete The method according to claim 1, In the fourth step, the receiving object is a cost payment method using a mobile communication terminal, characterized in that notifying the intention to pay in accordance with entering the resident registration number to the mobile communication terminal. The method according to claim 1, In the fourth step, the billing agent system further comprises the step of authenticating the identity of the recipient according to the caller's telephone number by requesting the resident registration number of the recipient. The method according to claim 4, Self-certification of the receiving subject is a cost payment method using a mobile communication terminal, characterized in that the search and authentication through the subscriber database of the mobile communication company. The method according to claim 4, The method for paying the cost of using the mobile communication terminal, characterized in that further comprising the step of confirming whether or not to exceed the preset payment limit of the storage subject at the time of identity authentication. delete In the billing system using short service: After receiving the client's telephone number and information on the storage cost from the receiving client, a short message indicating whether the storage cost is calculated and paid to the mobile communication fee is prepared and transmitted to the mobile terminal of the receiving subject. A billing agency system that processes all payment procedures in accordance with the payment agreement of the recipient; A mobile communication terminal of a recipient who receives and confirms a payment request short message using a mobile communication bill sent from the billing agent system and then proceeds with a consent process and a personal authentication process through a predetermined procedure; And And a mobile communication company system for automatically issuing a bill by summing the payment cost to the mobile communication fee of the receiving subject when there is no abnormality through the personal authentication of the receiving subject when the payment related information for each receiving subject is transmitted from the billing agent system. But The billing agent system, SMS server for sending a short message to the mobile communication terminal after writing the short message related to the payment target; A guide server for extracting and confirming a corresponding caller's telephone number according to a callback of a mobile communication terminal according to the transmission of the short message and delivering a payment-related message to a mobile communication terminal through a voice or wireless internet screen to process the overall payment process; A main processor which receives the information of the storage subject from the storing client and requests the transmission of the short message related to the payment to the SMS server and controls the payment related procedure according to the processing result of the guide server; And Cost storage system using a mobile communication terminal, characterized in that consisting of; storage means for storing the information of the information and the processing information of the storage requester and the receiving party. delete The method according to claim 8, The guide server is a mobile communication, characterized in that the wireless Internet server that guides the payment related information and confirms the payment through the automatic response server or a wireless Internet site to guide the payment-related agreement message by voice Cost payment system using a terminal. The method according to claim 8, The short message of the SMS server is a cost payment system using a mobile communication terminal, characterized in that it includes a callback phone number or a callback URL address of the wireless Internet server connected to the automatic response server.

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