KR100644851B1 - A mobile a small sum vicarious execution approval and adjustment method and system by using mobile telephone number - Google Patents

Abstract

According to the present invention, cash equivalents (miles, points, cashbacks) paid by a seller to a buyer in the course of online / offline transactions are not conventionally consumed, and are accumulated as current liabilities to the seller. In order to solve the problem, it is necessary to supply a small amount of incineration commodities so as to actively exhaust the cash equivalents held by the buyer (mileage holder), and to recover the cash equivalents through the settlement using a mobile phone to burn the current liabilities. The present invention relates to a method and a system for the settlement and settlement of a small amount of mobile phone using a mobile phone number.

Business Model, Mobile Phone, Wireless Content, Shopping, Current Liabilities, Cash Equivalent, Mileage, Points, Cashback, Agency Payment, Micropayment

Description

A mobile a small sum vicarious execution approval and adjustment method and system by using mobile telephone number}

1 is a basic conceptual view of the present invention.

2 is a flowchart of an internet business model system for incineration of mileage using a mobile phone according to an embodiment of the present invention.

Figure 3 is a flowchart of reducing the current liabilities by calculating the mileage for each period after the pre-cash settlement processing through the designated mobile phone number for the agency purchase without developing a separate system when purchasing mobile content with personal mileage in accordance with the present invention.

Figure 4 is a flow to reduce the current liabilities by calculating the mileage for each period after the pre-cash settlement process through the designated mobile phone number for the agency purchase without the development of a separate system when purchasing digital content (wired, wireless Internet) with personal mileage in accordance with the present invention chart.

The present invention relates to a mobile phone billing and settlement method using a mobile phone number, in particular, cash equivalents (miles, points, cashback) paid to the person during website activities, e-commerce transactions, card transactions By using the agency to support the purchase of small digital goods, the accumulated current liabilities accumulated in the form of cash equivalents are incinerated.

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These days, all commercial transactions, including card companies, websites, and electronic commerce, offer buyers various forms of cash equivalents.

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In particular, a huge amount of cash is paid to customers every year due to overheating competition in securing customers (or members), but in general there is little practical consumption due to the small amount of personal holdings. These cash equivalents are current liabilities for the payer. Cumulatively affects normal business activities.

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These liabilities accumulated in the form of cash equivalents are difficult to consume without the participation of consumers, and to compensate for this, a mileage integrated trading system in the form of a financial institution that integrates privately-owned cash equivalents that are divided here and there to induce consumption is various. It is carried out in the form.

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However, due to the financial burden on other current liabilities arising from the mileage consolidation process and the smallholders, it is almost impossible to consume cash equivalents, and the risk of personal information leakage that may occur during the consolidation process. The disadvantage is that it is extremely low.

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The technical problem to be solved by the present invention is to solve such a conventional problem and to support the development of the mobile (or digital) content industry, and has a mobile debt carrier, an individual with a cash equivalent, and a liquid liability in the form of a cash equivalent. The present invention provides a method and system for making small settlement and settlement of mobile phone using a mobile phone number for incineration of cash equivalents in cash form through transactions between operators.

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In order to solve this problem, the present invention comprises the steps of securing and providing digital content; Purchasing digital content without a separate authentication process such as entering a password; Acting for cash purchases using two mobile phone numbers and transferring the right of use to the purchase requester; Reciprocating and recovering the mileage recovered through the purchasing process and the cash executed at the time of purchasing and incineration of current liabilities.

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

1 is a conceptual diagram of an internet business model method of recovering mileage using a mobile phone.

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As shown in FIG. 1, what constitutes the present invention includes a customer (100) who wishes to spend a small amount of mileage held and a company or service that wishes to recover the mileage paid to the customer (represented as a current liability) 200), a sales agent 300 to secure / sell a mobile (or digital) content product provided to recover a small amount of mileage, a mileage payment system 400 for purchasing a product with mileage held by a customer, The agency settlement system 401, which purchases mobile (or digital) content in cash instead of the mileage, which is a cash equivalent, and the comparison settlement system 500, which compares the collected mileage and the settlement cash, and the purchase price It consists of the process of incineration of current liabilities that incinerates the mileage recovered through payment.

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2 is a flowchart of an internet business model method of incinerating a small amount of mileage using a mobile phone number.

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The payment method of the present invention is achieved by selecting a product that a customer wants to purchase and entering a mobile phone number (or e-mail) of an actual consumer.

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Referring to the embodiments in detail with reference to the accompanying drawings,

1. A user with a small cash equivalent goes to the service provider for the consumption of the cash equivalent and enters ID and PWD to verify his or her identity.

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2. The service provider (or intermediary) provides the customer with product information (①) of salable mobile (or digital) content and grants small mileage consumption opportunities.

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3. After searching for the product, the customer presses the purchase button (②), receives the actual mobile phone number (or e-mail) of the actual consumer who will use the product, and includes it in the order history and sends it to the service provider (③). The order details sent at this time are shown in Table 1.

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4. The payment agency system reconstructs the received order history (③), including the mobile phone number for payment owned by the intermediary, and requests the payment from the mobile communication service provider or the mobile phone payment service provider (④). The request details are shown in Tables 2 and 3.

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5. The mobile carrier or mobile phone micropayment service provider charges the mobile phone number (A) for payment according to the previous payment process (⑤), and transmits the use right through SMS or e-mail to the actual consumer.

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6. The purchase will be sent to the service provider through an intermediary (or system), which will finally approve the customer's return of mileage.

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7. The settlement period is one month, which is the same as the Giro ticketing cycle of the mobile carrier. After receipt of the bill (⑥), the final payment is requested to the service provider based on the call details and the settlement of the bill.

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8. The service provider pays cash at the exchange rate on cash equivalents recovered during the purchase of mobile (or digital) content, and resolves current liabilities. (⑧, ⑨)

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9. The intermediary (or system) performs the final settlement with the mobile carrier after settlement with the service provider.

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3 is a cash equivalent held by an individual in accordance with the present invention in the purchase of mobile (or digital) content through the designated mobile phone number for agency purchases without a separate system development, compared to the mileage for each period after the prepayment cash incineration liquid liabilities incinerated This is a flowchart.

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Referring to the accompanying drawings, the embodiments will be described in detail. After accessing the site, the user checks the cash equivalents 300 and then searches for the contents goods. (310) and the purchase of the product (320) is compared with the product selling price (330) and if the mileage retained is less than the product selling price (331) to request re-confirmation of the personal mileage, greater than or equal to the product selling price Case 332 is passed to the purchase information input step.

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The purchase request transmitted through the system requests the user to input the mobile phone number of the actual consumer (340), and classifies the service number of the received mobile phone number (350) to obtain a mobile phone number for each business operator. Allocations (351, 352, 353).

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It is possible to operate one single mobile phone number by selecting one provider without distinction of individual operators since the completion of the integration of the wireless network.

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At this time, the information transmitted is composed of 'the actual consumer's mobile phone number (A)', 'mobile phone number (B) for the settlement', 'product code', 'ID'.

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The information transmitted through the system is transferred to the steps of recording the mileage consumption status of the service provider in the database (370, 380) and requesting the payment service and callback SMS transmission to the mobile carrier (400 or less), the mileage The step of recording the consumption status is updated after subtracting the price 310 of the product 310 from the mileage 300 held by the user in the user information (380).

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In the step of requesting purchase payment and sending a callback text, 'Payment for the actual consumer's mobile phone number (A)', 'Mobile phone number (B) for the payment' and 'Product code' received in the previous step Charges the purchase cost of the 'product' to the mobile phone number (B) to be transmitted and transmits the SMS with the 'product code' inserted to the 'mobile phone number (A) of the actual consumer' (401).
In this case, the SMS with the product code inserted is called a callback SMS, and includes a URL that can be directly accessed in a short message. After being sent to a mobile phone, the SMS can be directly accessed to a designated product providing screen by pressing a 'call' button. Support.

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In the step of transferring the right to use, the 'real consumer' receives the mobile content through the callback SMS sent to his mobile phone (A) (402), and after the receipt is completed, 'mobile phone number (B) for the settlement' 403 is added to the fee history.

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Subsequently, in the settlement step, the total amount of cash equivalents recovered within the period from the updated member information DB 380 is added to the 'purchase settlement amount 1' (390) calculated by applying the exchange rate and the 'bill' issued by the mobile service provider. If the 'purchase settlement amount 1' is greater than or equal to 'purchase settlement amount 2' through the process of comparative settlement of 'purchase settlement amount 2' (410) calculated by applying the premium rate, the 'purchase settlement amount 1' 501) and 'purchase settlement 1' is less than 'purchase settlement 2', 'purchase settlement 2' is paid to the broker (system) (502) and held in the form of cash equivalents. The debt will be burned.

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FIG. 4 is a flowchart in which the system of FIG. 3 is applied to digital content (wired or wireless Internet) purchase.

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When described in detail with reference to the accompanying drawings, the configuration before the 'purchase information input step 340' is the same as the embodiment of Figure 3, and compares the mileage and the price of the goods in accordance with the purchase conditions 330 (332) assign the 'agent mobile phone number (B)' possessed by the intermediary (system), and 'ID (ID)', 'billing mobile phone number (B)', A step 400 of transmitting a 'product code (or product price)' and updating 360 of the user's mileage remaining in the member information DB are performed.

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After the information transmitted through the system is recorded in the mobile phone micropayment service (401), the authentication request of the purchase payment is transmitted to the 'payment mobile phone number (B)' (402), 'payment mobile phone 'B' is charged 403 and immediately reflected 404 in the charge details.

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In addition, after the payment is completed, the actual consumer through the e-mail (e-mail) or a website through the fact that it consists of a step of notifying (420).

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Through the above system, the right to use the product will be assigned and transferred to the owner of 'ID' and 'resident registration number' which are included in the order history, and the actual consumer who owns the 'ID' and 'resident registration number' You will exercise your right to access the site.

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Subsequently, in the settlement step, the total amount of mileage consumed in the period is added to the updated member information DB 370, and the premium rate is calculated on the 'purchase settlement amount 1' 390 calculated by applying the exchange rate and the 'bill' issued by the mobile communication provider. If the 'purchase settlement amount 1' is greater than or equal to 'purchase settlement amount 2' through the process of comparing and calculating 'purchase settlement amount 2' (410) calculated by applying the 'purchase settlement amount 1' to 'mediator (system) 'Liquid liabilities' (501), and 'purchase settlement 1' is less than 'purchase settlement 2', 'purchase settlement 2' is paid to 'intermediate (system)' (502) and held in the form of cash equivalents. 'Incinerated.

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Since the present invention disclosed through the above embodiments can be applied to various websites and businesses that provide mileage without a separate system configuration, the embodiments can be carried out in various ways than those described above (except for an intermediary or an intermediary system) Form, etc.), such modifications should also be considered to be within the scope of the claims set forth below.

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The effects expected by the present invention are as follows.

1. Eliminate the management burden of companies by reducing the accumulated current liabilities in the form of cash equivalents.

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2. There is no separate payment process, so the anxiety about personal information leakage and payment is solved.

3. Promote the consumption of mobile (or digital) content to promote the development of the cultural content industry as a whole.

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4. If the existing system is used as it is, there is almost no cost burden on the implementation of the system, thereby reducing the facility and management costs.

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5. There is no inconvenience to memorize or bring the card number or account number to facilitate consumption.

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6. Reduced management costs due to the simple procedures for billing and settlement according to cash equivalents of cash equivalents.

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7. The expansion of the mobile Internet market and the combination of wired / wireless Internet will enable electronic commerce.

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Claims (7)

In the method of incineration of current liabilities of a business that pays cash equivalents to consumers in all commercial transactions, including e-commerce on the Internet, and holds the corresponding current liabilities, A first step of allowing a service provider or an intermediary to select and provide a mobile (digital) content product to a consumer; In the first step, if the customer selects a content product based on the mileage possessed by the consumer and requests the purchase, the payment details and the mobile phone number designated by the mobile communication service provider or the mobile phone micropayment service provider are settled as the payer. A second step of executing a small payment; A third step in which the mobile communication service provider or the mobile phone micropayment service company charges the mobile phone number and transfers the content use and ownership to the actual user through callback text transmission or email; A fourth step in which the service provider compares the charges charged to the mobile phone number designated by the settlement agent and the mobile phone number management system with the mileage recovered from the customer once a month and incinerates the current liabilities; Method for settlement and settlement of a small amount of mobile phone using a mobile phone number characterized in that consisting of. delete delete The method of claim 1, wherein a mobile phone number using a mobile phone number for distinguishing and executing a product payment and a product receipt is divided into two mobile phone numbers of one broker designated and one customer designated. delete delete Customers who wish to spend a small amount of mileage in their possession; A service provider which wishes to recover the mileages paid to the customer and exists as a current liability, and incinerates the mileages recovered through payment of the purchase price; A sales agent who secures / sells a mobile content product to recover a small amount of mileage; A mileage payment system for purchasing goods with mileage held by the customer; A proxy payment system for purchasing mobile contents in cash instead of mileage which is a cash equivalent; Mobile phone billing and settlement system using a mobile phone number characterized in that it comprises a comparative settlement system for comparing the collected mileage and the cash settlement billed.

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