KR100773918B1 - Billing and payment service method using settlement function of mobile electronic purse and system thereof - Google Patents

Abstract

Billing and payment service method and system using the payment function of the mobile electronic wallet is to directly pay the bill using the payment function of the electronic wallet mounted on the mobile device without exposing personal financial information. The present invention is to send a charge message to the customer by using the SMS of the mobile communication network service of the mobile device and when the customer confirms the guidance message is automatically connected to the billing company by the callback URL or TCP / IP communication wireless Internet simple authentication Through the process, the billing statement (payment details) is displayed on the screen of the mobile device, and the customer pays his / her own bill using the payment service function (credit card or bank transfer) of the electronic wallet of the mobile device if the customer intends to pay it after confirming it. It is configured to. Therefore, the present invention can pay the fee by the user's payment doctor without exposing the customer's payment information (account number, card number, etc.) to the billing institution, thereby reducing the burden of financial information exposure, mobile devices You can reduce the congestion caused by visiting the bank window by using the electronic wallet payment function, and prevent overdue due to insufficient balance by determining the priority of payment within the available funds and diversifying the means of payment (account transfer, credit card). It provides the effect of increasing the billing rate of billing companies.

 Mobile device, electronic wallet, billing, payment

Description

Billing and payment service method using settlement function of mobile electronic purse and system

1 is a block diagram showing a billing and payment service system using the payment function of the mobile electronic wallet according to the present invention,

2 is a flowchart illustrating a billing and payment service method using a payment function of a mobile electronic wallet according to the present invention;

3 is a view showing a mobile device screen state at the time of payment using a mobile device,

4 is a view showing a payment work flow using a mobile automatic (account) transfer of the system of Figure 1,

FIG. 5 is a diagram illustrating a payment business flow using the mobile credit card payment of the system of FIG.

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

10: mobile device 11: IC chip

20: Mobile Communication Center 21: MCID D / B

30: Billing company 31: Customer charge history D / B

40: financial institution 50: billing company trading bank

The present invention relates to a billing and payment service method and a system using the payment function of a mobile electronic wallet, in particular, without exposing financial information to a fee storage institution for a fee paid on a monthly basis using a mobile device. The present invention relates to a billing and payment service method and a system using the payment function of the mobile electronic wallet, which enables the payment of the fee directly using the payment function of the direct mobile electronic wallet.

The payment methods for monthly payments such as communication costs, insurance money, newspaper bills, and utility bills include credit card transfer, automatic transfer using account number, and giro storage using giro paper.

In the case of credit card transfer, credit card transactions must be registered with the billing company (card number, valid agency, and card issuer), and the billing company will contact the VAN company on a monthly billing date. It is a method to perform the purchase procedure only for customers who have been approved for transaction approval and make a deposit payment based on the purchased result.

The payment method using a credit card exposes the customer's financial information (card information) to the billing company, causing a financial accident using the customer's credit card information by a malicious company or by copying the card information by a malicious third party. It exposes the problem of using it.

In case of direct debit using account number, when the customer informs the billing company of his / her account number, bank code and branch code, the billing company notifies the relevant financial institution of the direct debit and when the payment time arrives at regular intervals, It is automatically transferred from the account to the billing company account by the amount of the payment.

This is a problem that account information (bank code, account number, bank branch code), which is very important personal information of customers such as credit card transfer method, is exposed to the billing company, and is committed once for the first time regardless of the customer's willingness to execute funds. Funds are executed from an account set up automatically by, thereby limiting the flexibility of the use of funds by the needs of the customer. In other words, for example, A and B pay utility bills, the customer pays only A, if necessary, and B pays the bill for other purposes as the customer needs urgently and overdue interest after the due date has passed. It is often advantageous for the customer to make payments, including but the case that B is set up for direct debit, the money is transferred from the customer's account on the day the payment date arrives, regardless of the customer's will. There is a problem that can not be used. In addition, if a customer's account information is leaked to a malicious third party, there is no identity verification process such as password entry, so a third party may illegally use it to gain unfair advantage and cause disputes with customers, billing companies, and financial institutions. There is a problem that can be.

Using the Giro Paper The giro storage method is a method in which a billing company registers giro payment with the KFTC and sends the giro paper to the customer, and the customer pays the utility bill to the giro storage institution with the giro paper.

Although this has the advantage of not exposing the customer's financial information, it is cumbersome for the customer to visit the Giro receiving financial institution directly and if he loses the Giro paper, he or she can ask the billing company to resend the Giro paper. If it is not possible, the customer inadvertently overdues the utility bill, causing unnecessary financial burden.

Accordingly, an object of the present invention has been made in view of the above-described problems, by using a payment service function of the electronic wallet mounted on a mobile device a fee (communication fee, insurance money, newspaper bills, utility bills, etc.) to be paid on a monthly basis Provides the ability for customers to make non-stop payments directly without exposing financial information to billing companies, allowing them to set priorities within their budgets and determine whether to make payments. Payment can be made anytime, anywhere using the communication function of the mobile bank wallet to solve the inconvenience caused by the use of the bank window, and in the case of the direct debit customer settlement of complaints due to duplicate and overcharge due to service termination To provide a billing and payment service method and a system using the function.

Billing and payment service method using the payment function of the mobile electronic wallet of the present invention for achieving the above object, in the bill payment method using a mobile device, (1) finance of the account number, card number to the mobile device (2) registering a mobile wallet using a mobile device equipped with a billing function of the electronic wallet as a method of storing a charge to a billing company, and (3) a billing company. Determining the payment method registered by the customer, and if the mobile payment, the step of transmitting a billing guide message to the customer's mobile device, and (4) network connection between the customer's mobile device and the billing company after checking the billing guide message Transmitting the billing statement and determining whether to pay; and (5) an electronic wallet mounted on the mobile device at the time of mobile payment. Use a payment feature comprises depositing process in the mobile payments and payments upon completion of the billing supplier ledger.

Billing and payment service system using the payment function of the mobile electronic wallet for achieving the object of the present invention, in the service system for billing and payment using the payment function of the mobile wallet, account information, credit card It is equipped with an electronic wallet that stores financial information such as information, mobile devices for mobile payments, bills and bills for communication fees, insurance money, newspaper bills and utility bills are sent to customers. Billing system for sending billing information message to customer's mobile device and receiving payment result, processing billing system, financial institution system of customer and billing company, bank or card company, and billing company's payment history Send SMS to customer's mobile device in response to a notification request. It includes a mobile communication center for requesting the transfer or credit card payment to the financial institution according to the assistant doctor and notify the customer's mobile device and billing company of the result.

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

1 is a block diagram of a billing and payment service system using a payment function of a mobile electronic wallet according to the present invention. The system shown in FIG. 1 includes a mobile payment IC chip 11 in which financial card information such as account information and credit card information is stored, a mobile phone, a PDA, and a smart phone for an interface (I / F) of the IC chip 11. A mobile device 10 such as a phone is provided. The mobile communication center 20 plays a role of a connection between a customer and a bank for bank transfer and a value added network (VAN) company for approving a card transaction. The mobile communication center 20 has an MCID D / B 21 for registering and managing an ID (MCID; Mobile Chip ID) of the IC chip 11 mounted in the mobile device 10 on a database D / B. Is provided. 1, the billing company 30 for sending a billing and payment notice to the customer and requesting the bill payment notification to the customer registered mobile payment in the mobile communication center 20 and the notification of the payment result and management, and A financial institution 40, such as a card company or a bank, is provided to receive and process a customer's account transfer or credit card payment request via the mobile communication center 20, and notify the result. The billing company 30 has a customer billing history D / B 31 for managing customer billings in a database. Billing company trading bank 50 is connected to other financial institutions 40 and the financial common network. The billing and payment service using the payment function of the mobile electronic wallet of the system of FIG. 1 having such a configuration will be described in detail with reference to FIGS. 2 to 5.

The IC chip 11 stores a mobile chip ID (MCID) that is uniquely added to the chip together with the customer's account information for financial transactions and credit card information for commerce payment. The MCID is uniquely assigned to each customer and is assigned to the IC chip card by an issuer or a service management agent. The customer can search the MCID through the menu of the mobile device 10.

The mobile device 10 includes an IC chip socket so as to interwork with the IC chip 11. The IC chip 11 is inserted into the socket, and the customer can make a mobile credit card payment or a mobile account transfer using the financial card information of the IC chip 11 through the user interface of the mobile device 10. E-wallet payment function.

2 is a flowchart illustrating a billing and payment service method using a payment function of a mobile electronic wallet of the system of FIG. 1.

In Fig. 2, the customer registers a fee storage method with the billing company 30 (step 201). The customer registers the fee collection method through the mobile direct debit or mobile credit card transfer service application. In this case, the registered information registers only the mobile device 10 number or MCID (mobile wallet identification ID) and mobile carrier identification information for mobile billing without registering customer payment information. The billing company 30 determines the payment method of the customer (step 202), and proceeds with the billing and payment process as it is, if the existing method of giro / direct debit / credit card transfer. If the result of the determination in step 202 is a new method using the mobile electronic wallet, the billing company 30 creates a bill payment guide message to the customer and transmits it to the mobile communication company 20 (step 203). The billing company 30 requests the payment details notification request to the registered telecommunication company's mobile communication center 20, and according to the request, the mobile communication center 20 sends the payment details notification to the mobile device 10 of the customer. Send SMS (Short Message Service).

The customer looks at the screen of FIG. 3 (a) informing the "message arrival", and confirms the message contents such as the billing company name and the amount to be paid. When the customer checks the SMS message on the screen of FIG. 3 (b), the customer is connected to the billing company 30 by the call back URL or TCP / IP communication by pressing a call button or the like (step 204). ). At this time, the mobile device 10 of the customer informs that the connection is shown as shown in (c) of Figure 3, after the connection is performed the identity authentication procedure (step 205). The billing company 30 authenticates the identity by requesting the customer to input the social security number or the mobile device 10 number or the MCID. The customer inputs his / her authentication information through the mobile device 10 to request authentication, and is authenticated by the mobile communication center 20 or the billing company 30. If the customer enters the mobile device number or MCID as the identification information, the mobile communication center 20 to check the identity through the subscriber information D / B, and if the resident number entered billing company (30 Will authenticate yourself. The identity verification process can be omitted. After the identity verification, the billing company 30 transmits the billing history to the mobile device 10 (step 206). The mobile device 10 displays the billing details as shown in (d) of FIG. The customer checks the billing details on the screen of FIG. 3 (d) and selects whether to pay (step 207). If there is no willingness to pay, the process is terminated as is. That is, the customer selects a desired payment method on the payment method selection screen as shown in FIG. When the customer presses the number button "1" of the mobile device 10 to select "credit card transfer", the mobile credit card transfer payment is performed using the electronic wallet mounted on the mobile device 10 (step 210). When the customer selects "account transfer" by pressing the number button "2" of the mobile device 10 on the screen of FIG. 3 (e), the mobile account transfer payment is performed using the electronic wallet mounted on the mobile device 10. (Step 209). Detailed operations related to mobile account transfer and mobile credit card transfer will be described later with reference to FIGS. 4 and 5. Then, it is determined whether or not the payment is completed (step 211), and when all the charges have been paid, the deposit processing to the billing company 30 ledger (step 212) ends. If you want to process another claim continuously, repeat the step from step 207. If there are multiple claims, the customer can set priorities and make payments according to the ranking within the budget.

4 is a payment business flow diagram using mobile automatic (account) transfer.

In FIG. 4, the billing company 30 requests the mobile transfer registration to the mobile communication center 20 to add the mobile direct debit to the fee payment method (①), and approves the mobile transfer registration from the mobile communication center 20. (②). Billing company 30 is added to the mobile debit payment method receives a mobile payment request from the customer (③), and sends a bill and payment notice to the customer (④) (④). The billing company 30 also requests the mobile communication center 20 to collectively request a mobile transfer for each customer (⑤). According to the mobile transfer request of the billing company 30, the mobile communication center 20 notifies the mobile device 10 of the customer through the SMS of the billing and payment guidance message (⑥). That is, the billing company 30 transmits a fee guide message to the customer via SMS through the mobile communication center 20 on the designated payment date of the mobile automatic payment customer, and the mobile communication center 20 accesses the wireless Internet. Call back URL or IP address and port number for TCP / IP connection to the customer along with the payment guidance message (Fig. 3 (a) and (b) screen) Reference). The customer and the billing company 30 are connected 1: 1 wireless internet through a callback URL or TCP / IP communication, and the billing company 30 transmits billing details to the customer's mobile device 10 (Fig. (C) and (d) screen 3). The customer checks the bill and pays the mobile transfer fee directly by using the payment function of the electronic wallet of the IC chip 11 mounted on the mobile device 10 (⑦). The mobile communication center 20 requests a transfer to the financial institution 40, which is the customer's bank, in accordance with the mobile payment fee payer of the customer (⑧). That is, when the customer selects a mobile account transfer as a payment method, a screen for selecting an account is displayed on the mobile device 10 as shown in FIG. 3 (f ′), and the customer selects a bank of his account. The mobile communication center 20 is connected to the financial institution 40 of the bank according to the customer's account selection through a dedicated line (see (g ′) screen of FIG. 3). When the network is connected between the customer and the financial institution 40, the financial institution 40 requires the input of an account password (see (h ′) screen of FIG. 3), and when a correct password is input from the customer, the fee is paid through the transfer. (I ') screen in FIG. 3). That is, the financial institution 40 of the customer transaction bank transfers to the billing company transaction bank 50 (⑨), and notifies the mobile device 10 of the customer via the mobile communication center 20 of the transfer result ( ⑩, ⑪). At this time, the mobile transfer result is also notified to the billing company 30 in an "online" or batch manner (iii). The billing company 30 notified of the result of the mobile transfer confirms the deposit to the transaction bank 50 (⑬) and processes the result of the fee collection (⑭).

FIG. 5 is a flow chart of a payment process using mobile credit card payment, which is performed through almost the same procedure as shown in FIG. 4.

In FIG. 5, the billing company 30 requests registration of a merchant for mobile card transfer registration to the mobile communication center 20 (①), and receives a mobile credit card transfer registration approval from the mobile communication center 20 (②). ). The billing company 30 receives the mobile credit card payment request from the customer (③), and sends the current month bill and the previous month payment notice to the customer (④). The billing company 30 requests a mobile card transfer from the customer to the mobile communication center 20 at a designated date in a batch (⑤), and the mobile communication center 20 is requested to transfer the mobile card to the customers. Send a message using SMS (6) (see the screens (a) and (b) of FIG. 3). The customer checks the SMS history on the screen of the mobile device 10 (refer to the screens (c) and (d) of FIG. 3), and uses the payment function of the electronic wallet of the IC chip 11 containing credit card information. Pay the relevant fee using a mobile credit card (⑦). When a plurality of card information is contained in the IC chip 11, the mobile device 10 to display the screen of Figure 3 (f) to allow the customer to select the card to use for payment. When the customer selects the card to be used for payment, the user is required to enter a password (see screen (g) of FIG. 3), and when the correct card password is input, the mobile communication center 20 connects to the server 40 of the selected credit card company. (See screen (h) of FIG. 3) and the transaction is approved.

).At this time, the mobile communication center 20 serves as a VAN company. That is, the mobile communication center 20 makes a transaction approval request to the credit card company 40 (⑧) and notifies the mobile device 10 of the approval result to the mobile device 10 (⑨, ⑨). The mobile communication center 20 makes a purchase request by preparing purchase data based on the transaction approval result to the credit card company 40, and receives the purchase result from the credit card company 40 and notifies the billing company 30 collectively. (⑫, ⑬). The billing company 30 processes the payment for each customer based on the fee collection result (⑭). The credit card company 40 deposits the corresponding billing company 30 through the billing company transaction bank 50 (⑮). The tariff 30 checks the deposit by accessing the bank (

).

As described above, the billing and payment service method and system using the payment function of the mobile electronic wallet of the present invention do not expose their payment information (account information, credit card information, etc.) to the storage institution, so that personal information is not displayed. It can be protected, and once a contract is automatically transferred from the customer account to the depository account every month, it is possible to solve the complaints caused by the double and overcharge, and when using the payment function of the electronic wallet provided in the mobile phone In addition, since it can be easily paid anywhere, it has the effect of eliminating inconvenience caused by using a bank window. In addition, the customer can choose the payment method to increase the rate of storage and prevent overdue, to determine the priority of payment in consideration of the available funds of the customer, and to pay, and to calculate the number of working days when paying the overdue charges with additional money. It is effective to pay only the additional amount of money that is overdue days.

Claims (12)

In the bill payment method using a mobile device equipped with an electronic wallet function, (1) registering a merchant of a billing company with a mobile communication center in order to use a mobile direct debit or a mobile credit card transfer service by a billing company; (2) The customer receives a mobile account transfer or mobile credit card transfer by the billing company's bill collection method, and bills the mobile device number or mobile wallet identification ID (MCID) and carrier identification information for mobile payment. Registering with the computer server of the; (3) transmitting a billing guidance message to a mobile device of a customer by requesting a mobile communication center a request for billing details notification to a customer whose billing method is registered as a mobile payment in a computer server of a billing company; (4) connecting the network between the customer's mobile device and the billing company after checking the billing guide message, transmitting a billing statement to the mobile device and determining whether to pay; And (5) In case of mobile payment, customers use the payment function of the electronic wallet installed in the mobile device to pay the bills directly by mobile payment, set the payment order for a large number of bills, and pay the bill when the payment is completed. Billing and payment service method using the payment function of the mobile electronic wallet comprising the step of processing the deposit. delete The method of claim 1, wherein the step (3) uses the payment function of the mobile electronic wallet, characterized in that the charge payment guidance message is sent to the mobile device of the customer through the mobile communication center via SMS on the customer specified payment date. How Billing and Payment Services Work. The method of claim 1, wherein step (4) (4a) connecting the wireless Internet between the customer's mobile device and the billing company by using a call back URL or TCP / IP communication; (4b) selectively receiving at least one of a customer's social security number, a mobile device number, and a mobile electronic wallet identification ID (MCID), and selectively performing an authentication process at a billing company or a mobile communication center; And (4c) billing and payment service method using the payment function of the mobile electronic wallet, characterized in that it comprises the step of transmitting the billing statement of the customer to the mobile device using the wireless Internet. The method of claim 1, wherein the step (5) is carried out in connection with the credit card company when the customer selects a credit card transfer as a payment method during mobile payment, and in connection with the corresponding bank if the bank transfer is selected. Billing and payment service method using the payment function of the mobile electronic wallet, characterized in that the priorities for a plurality of charges to determine the priority and process the continuous payment. The method of claim 5, wherein in step (5), when the customer pays the mobile account transfer fee, the mobile communication center requests a transfer from the customer transaction bank and receives the transfer result to notify the customer of the payment result. Billing and payment service method using the payment function of the mobile wallet, characterized in that the transfer result is notified online or in a batch (batch) method. 6. The method of claim 5, wherein step (5) comprises: upon payment of the customer's mobile credit card transfer fee, (5a) selecting a card to be used for payment of a plurality of card information; (5b) receiving a password and connecting the credit card company through a mobile communication center if the input password is correct; (5c) requesting the credit card company to approve the transaction and notify the customer of the approval result in the mobile communication center; (5d) in the mobile communication center, making a purchase request based on the transaction approval result to the credit card company and informing the billing company of the purchase result; And (5e) The billing company charges the bill by using the payment function of the mobile electronic wallet, which comprises the step of depositing the fee for each customer based on the result of the fee collection, and accessing the bank to confirm the deposit. Payment service method. In the service system for billing and payment using the payment function of the mobile electronic wallet, A mobile device equipped with an electronic wallet for storing financial information of account information and credit card information for mobile payment; Send bills and bills to customers for communication fees, insurance charges, newspaper bills, and utility bills, and send a fee information message to the mobile device of the customer who has registered the payment method as a mobile payment. Billing system; System of financial institutions for customers and billing companies, banks or credit card companies; And SMS is sent to the customer's mobile device according to the billing company's request for billing details, and upon request of the customer's intention to pay the bill, the bank transfers the account or requests a credit card payment, and the result is the customer's mobile device and billing. Billing and payment service system using the payment function of the mobile wallet, including a mobile communication center to notify the company. The billing method of claim 8, wherein the electronic wallet of the mobile device is an IC chip which stores customer account information, credit card information, and MCID (mobile electronic wallet identification ID). And payment service system. According to claim 8, The billing company system has a customer billing history D / B for database management of customer billing and payment history, Mobile account transfer and credit card transfer merchants registered in the mobile communication center, the mobile account transfer and credit card transfer request of the customers collectively, the payment result of the mobile electronic wallet characterized in that the processing of the fee collection result received notification of the transfer result Billing and payment service system using the. According to claim 8, The financial institution system transfers the corresponding fee from the customer account to the billing company's transaction bank account according to the transfer request of the mobile communication center and notifies the transfer result to the mobile communication center, In accordance with the credit card transaction approval result, the charge is transferred from the customer's account to the billing company's bank account and the result of the deposit is notified to the mobile communication center. Billing and payment using the payment function of the mobile wallet is performed. Service system. 9. The mobile communication center of claim 8, wherein the mobile communication center charges an IP address and a port number for a call back URL or a TCP / IP connection for wireless Internet access between the customer mobile device and the billing company system. Billing and payment service system using the payment function of the mobile e-wallet, characterized in that it delivers to the customer mobile device with the payment guidance message, and serves as a connection and VAN between the customer and bank transfer bank.

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