KR100837590B1 - System for providing payment agency service by internet service provider and method thereof - Google Patents

Abstract

A system and a method for providing a payment agency service by an ISP(Internet Service Provider) are provided to improve reliability for payment between a member and a small businessman by making the ISP perform payment as a proxy for the member without exposing personal information of the member. A member terminal(120) is registered to an Internet service of an ISP. A provider server(130) operates an Internet shopping mall registered to an ISP payment agency service. A payment agency server(110) is directly or indirectly by the ISP, and provides the payment agency service including approving and billing an online material trade between the user terminal and the provider server. The payment agency server checks a connection place of the member terminal, and determines to approve billing by checking whether the connection position is matched with a real address of a member. The member terminal includes a laptop computer, a notebook computer, a server computer and an IPTV(Internet Protocol TV), and uses the Internet service provided from the payment agency service through the network by connecting to a fixed Internet line, which is installed to a home of the member by the ISP.

Description

 System for providing billing service by internet service provider and method thereof {SYSTEM FOR PROVIDING PAYMENT AGENCY SERVICE BY INTERNET SERVICE PROVIDER AND METHOD THEREOF}

The present invention relates to a payment agent service, and more particularly, to a payment agent service providing system and method by the Internet service provider that can improve the reliability of the Internet service provider on behalf of the payment of small businesses.

Recently, with the spread of personal computers and the Internet, the online market has been developed to surpass the offline market. In the early days, the online market was activated around large internet shopping malls, but as barriers to entry have gradually lowered, the number of online shopping malls by small businesses and individual business owners has been on the rise.

As the competition among online companies has heated up and the fraud damage caused by small online shopping malls has increased, users are particularly reluctant to expose their information to small businesses. There are many payment service systems on the Internet, but users who are reluctant to provide personal information to small businesses, such as memberships, are still ignoring online shopping malls operated by small businesses except portals and open markets.

As a result, small business owners had to pay a fee to enter large portal sites or open markets in order to gain user credibility and close deals in addition to simply promoting their businesses. In an online market where price competition is high, this fee is a big burden for small businesses and needs to be improved.

Therefore, the present invention was devised to solve the above problems, and an object of the present invention is to provide a billing service providing system and method by the Internet service provider to prevent the user's personal information is exposed.

Another object of the present invention is to provide a system and method for providing a billing service by an internet service provider that can improve the reliability of an online shopping mall of a small business.

It is still another object of the present invention to provide a system for providing a billing service by an internet service provider and a method thereof so as to alleviate the burden of a small business operator so as to be competitive.

It is still another object of the present invention to provide a system for providing a payment agent service by an internet service provider and a method thereof, which can activate a micropayment market online. In particular, it promotes micropayments for digital goods such as music, cartoons, financial information, and educational content in the form of video, photos, MP3, document files, etc. to provide distribution channels for contents generated by individuals and small businesses. The present invention provides a billing service providing system and a method by which an internet service provider can draw a loop.

In order to achieve the above object, the billing service providing system by the Internet service provider according to an embodiment of the present invention, the subscriber terminal subscribed to the Internet service of the Internet Service Provider (ISP); A service provider server for operating an internet shopping mall registered in the payment service of the ISP; It may be configured to include a payment agency server that is directly or indirectly operated by the ISP and provides a payment agent service including authentication and billing for online goods traffic between the subscriber terminal and the operator server.

In order to achieve the above object, a method for providing a billing service by an Internet service provider according to an embodiment of the present invention, in the billing service providing system by an Internet service provider (ISP), the ISP Transmitting a purchase request signal for a product which the subscriber wants to purchase to a service provider server operating an internet shopping mall registered with the payment agency service of the ISP; Receiving, by the service provider server, the purchase request signal, the billing approval request signal for the purchase request of the subscriber to a payment agent server; Determining, by the payment agent server receiving the charging approval request signal, whether the charging is approved based on the corresponding subscriber information; Selectively transmitting one of a charging approval signal and a charging approval rejection signal to the operator server according to the determination result; Selectively supplying the goods by the operator server according to a signal received from the payment agent server; Notifying, by the subscriber terminal, the payment agency server of the purchase decision according to the receipt of the goods; The payment agency server may include the step of charging the subscriber for the goods determined to be purchased and paying the service provider an amount excluding the fee.

The billing service providing system and method by the Internet service provider according to the present invention, by the Internet service provider acts for the payment at the subscriber's Internet shopping mall, the subscriber's personal information is prevented from leaking to the outside subscribers Internet shopping malls can be used, and by using the already established billing method for collecting payment amount, it is possible to expect the profit of the Internet service provider while lowering the fees of operators, especially small businesses. In addition, the present invention is particularly suitable for small payments according to the purchase of digital content can activate the online small payments market.

Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings. It should be noted that the same elements in the figures are represented by the same numerals wherever possible. In addition, detailed descriptions of well-known functions and configurations that may unnecessarily obscure the subject matter of the present invention will be omitted.

1 is a block diagram showing the configuration of a payment agent service providing system by an Internet service provider according to an embodiment of the present invention.

As shown in FIG. 1, a payment agent service providing system 100 by an Internet service provider according to an exemplary embodiment of the present invention may be a payment agent server operated directly or indirectly by an Internet service provider (ISP). 110, the subscriber's terminal 120 subscribed to the ISP's Internet service, and a service provider server 130 that operates an Internet shopping mall registered with the ISP's payment service.

The subscriber station 120 may be a personal computer, that is, a laptop, a notebook computer, a server computer, an IPTV, or the like. Preferably, the subscriber terminal 120 accesses an Internet line (or port) fixedly installed by the ISP in the home to connect the Internet network. Through the Internet service provided from the payment agent server 110 can be used. The internet network includes a wired network and a wireless network.

In addition, the subscriber terminal 120 may access the Internet shopping mall of the operator through the Internet network and request a purchase from the operator server 130 for a desired product. For example, the subscriber can access the web page of the operator's Internet shopping mall by his computer and click on the purchase button displayed on the web for the desired product.

The operator server 130 receiving the purchase request may request a billing approval for the purchase payment of the goods to the subscriber to the payment agent server 120. The operator server 130 may be a server directly operated by an operator or a personal computer using a web hosting service provided by a third party or the ISP.

The payment agent server 110 may be composed of at least one large capacity server and may include an internal server and an external server. The payment agent server 110 may be operated directly or indirectly by an ISP, for example, may be operated independently by the ISP, or may be operated in a manner in which the ISP consigns to another external partner company. The payment agent server 110 may receive a billing approval request from the operator server 130 for the subscriber terminal 120, and act on behalf of the payment. In this case, the subscriber terminal 120 requests information for authentication and authentication. Only approved subscribers can be charged. Alternatively, when a small amount of payment is less than a predetermined amount, payment, that is, billing approval may be made using only confirmed information such as IP access location and subscriber information of the subscriber terminal 120. The billing server 110 accurately knows personal information such as subscriber's name, resident registration number, address, telephone number, direct debit account number (or card number) due to the characteristics of Internet service, and is connected to the corresponding subscriber terminal 120. Since the information on the Internet connection location of the subscriber station 120, such as the line, port information, IP address, etc. is known, the authentication can be relatively easy and secure. In addition, the subscriber can not directly pass personal information or payment information to the Internet shopping mall of the operator can prevent the leakage of personal information, and can also relieve anxiety in the purchase of goods of small businesses.

The operator server 130 provides the goods to the subscriber when the billing approval from the payment agency server 120. The goods referred to herein may include not only types of goods such as shoes and clothes, but also digital content such as music files, videos, and document files. In this regard, the subscriber can become a carrier and sell goods such as User Created Contents (UCC) at any time by simply registering or registering a service with an ISP.

The subscriber who received the goods confirms the receipt of the goods to the payment agency server 110 through his subscriber terminal 120, and the payment agency server 110 checks the Internet of the subscriber for the transaction that the receipt of the goods is confirmed. A corresponding amount may be added to the communication fee, and the corresponding amount of the goods may be paid to the Internet shopping mall operator. In this case, the service provider can pay a certain amount of fee, which is required by the existing open market or a large portal, because the ISP collects the payment amount using the communication fee collection system already established. You can expect to earn even if you get a much lower fee. In general, the billing server 110 notifies each subscriber of the amount of Internet service usage through e-mail or mail every month and collects the bill through a predetermined payment method. For example, subscriber A's Internet service fee is automatically debited from A's bank account, and subscriber B's Internet service fee receives payment authorization from the card company for B's card number. Such billing can be collected by adding the subscriber's payment.In the billing statement, it is desirable to specify the products purchased by the subscriber, the date of purchase, and the price information in the VAT or micropayment column to prevent the dispute. Do.

In other words, subscribers can make purchases without the hassle of card, internet banking, unpaid bank transfer, and wire transfer, so they don't have to enter unnecessary or undisclosed personal information or notify small businesses. .

For example, if an operator sells his / her own UCC video for 500 won, the subscriber makes a purchase request for the video, and the business owner who receives the purchase request requests the billing approval from the ISP. The ISP, which has been requested to approve the payment for the small amount of 500 won, may confirm the subscriber location through the IP address of the corresponding subscriber station 120 to approve the payment. Then, the operator who is notified of the charging authorization authorizes the subscriber to view or download the UCC video, and the subscriber can watch the UCC video. In addition, the ISP can charge and collect 500 won in addition to the Internet communication fee, which charges a certain amount to the subscriber each month for the payment amount of 500 won, and pays the operator out of the 500 won fee before and after collecting the communication fee. can do. The ISP may charge a fee for each service provider. For example, the ISP may determine the fee based on the credit rating of the service provider such as the number of defect reports, the number of years of transaction, and the financial position of the capital of the service provider. .

Alternatively, the payment agent server 110 may select various payment methods such as cyber money, points, prepaid cards, mobile phone micropayments, and card payments from each subscriber, and perform charging through the selected payment means. For example, in the form of a free gift provided to a new Internet service subscriber or a premium provided to a preferential subscriber, a cyber money or a point that can be used in the Internet shopping mall of the service provider may be given and used as a payment method. Or subscribers pay a certain amount to their ISP and charge their cyber money or points for payment.

The payment agent server 110 may approve billing without additional authentication when a home subscriber who pays a certain amount of Internet usage fee each month makes a small payment through the corresponding subscriber terminal 120. Alternatively, for security or payment guarantees, payment authorization may be granted or denied through a separate login process, mobile phone authentication or accredited certificate verification, and subscriber credit status verification.

For example, when a subscriber accesses the Internet for the first time in his or her home, if the subscriber goes through an authentication process such as a login process, the payment agent server 110 minimizes an additional authentication process for the corresponding terminal, so that the credit rating of the subscriber is small or at the same time. If it is high, you can approve charging immediately without going through separate certification. That is, when the payment agency server 110 determines the approval of the charge, the payment agent server 110 utilizes the IP address of the subscriber station, the terminal ID, and authentication information (ID or password) used when the subscriber terminal first accesses the Internet. If it is determined that the subscriber's creditworthiness is high, charging can be approved without additional certification or with a minimum of authentication procedures. Alternatively, the payment agent server 110 may process that the subscriber is authenticated by inputting only a predetermined password for payment at the time of payment.

Alternatively, in order to enhance security, the authentication or certification may be performed at the time of login or payment.

Alternatively, if the monthly cumulative payment amount of the subscriber or the one-time payment amount for which the payment approval is requested is greater than or equal to the standard limit, the payment agency server 110 may request the subscriber for additional authentication and approve the charging only for the subscriber who has undergone the authentication procedure. . The reference limit may be set by an ISP or a subscriber. For example, parents can set a limit on the amount of small payments that their children can use to a certain amount, such as 10,000 won or 20,000 won, to prevent young children from using excessive amounts indiscriminately.

Or, if there is a request for approval of payment for a purchase of a product that is different from the usual transaction pattern of the subscriber, or if there is a request for approval of payment for adult content, the payment agent server 110 requests the subscriber for additional authentication to perform an authentication process. You may only approve billing for rough subscribers.

Alternatively, when the subscriber station 120 requesting the charging approval is a shared PC, the payment agent server 110 may request additional authentication.

On the other hand, if the credit rating is poor by evaluating the credit rating of the subscriber at the time of receiving the charge approval request, the payment agent server 110 may reject the charge approval for the subscriber. The credit rating of the subscriber may be made based on self-information of the payment agent server 110 such as communication line delinquency rate or automatic account transfer setting and credit information provided by a third credit rating agency. For example, the payment agent server 110 may refuse to approve the charging for the subscriber who has overdue the communication fee for two months or the subscriber listed as a bad credit.

In addition, the payment agent server 110 may check whether the subscriber terminal 120 is secured from hacking or viruses and then perform a login process or an authentication procedure. In addition, all data transmitted and received between the subscriber terminal 120 and the payment agent server 110 may be set to encrypt communication and database security to prevent the leakage of personal information.

In addition, if the subscriber receiving the goods filed a claim that there is a problem with the goods, the payment agent server 110 delays payment for the service provider until the problem is solved or adjusted and cancels the billing approval if the service provider does not respond properly. can do. Accordingly, the subscriber can purchase without worrying about the bad goods, and can prevent the deception and fraud of the operator. Of course, only in cases where the claim is reasonable, the wrong claim may be negotiated, and the member may be selectively charged and the operator paid the settlement amount excluding the fee. In addition, if the goods sold are real goods, it is possible to selectively cancel the payment according to the confirmation result by checking whether the return was made properly.

2 is a flowchart illustrating a procedure of a method for providing a billing service by an Internet service provider according to an embodiment of the present invention. Referring to this, in the system for providing a billing service by an Internet service provider, the subscriber station is determined in step S210. 120 transmits a purchase request signal for a product that the subscriber wants to purchase to the operator server 130.

The operator server 130 receiving the purchase request signal transmits the charging approval request signal for the purchase request of the subscriber to the payment agency server 110 in step S220.

The payment agency server 110 receiving the charging approval request signal performs an authentication procedure according to a predetermined criterion based on the corresponding subscriber information in step S230. As described above, the authentication process may be omitted, and a login process, a certificate verification process, and an additional authentication process may be performed.

Subsequently, in step S240, the payment agent server 110 determines whether the authentication procedure is successfully performed, and transmits a billing approval signal to the operator server 130 for the subscriber whose authentication is approved in step S250. Alternatively, in step S260, the charging approval rejection signal is transmitted to the operator server 130 for the subscriber whose authentication is not approved or does not qualify (low credit rating).

In operation S270, the operator server 130 determines whether the received signal is a charging approval signal, and provides the corresponding goods to the subscriber in step S280 when the charging approval signal is received. For example, the right to send the goods to the address designated by the subscriber or to view or download the digital contents may be transmitted to the subscriber terminal 120 or the subscriber's e-mail address. Alternatively, in the case of a charge rejection signal, in step S290, the operator server 130 notifies the subscriber that payment has not been made, for example, payment cannot be made because the payment is not approved. Please contact customer service. A message indicating the failure may be transmitted to the subscriber station 120 and displayed on the screen.

Upon receiving the goods, the subscriber may determine whether the goods are defective in step S300, and if the goods are defective, the subscriber may submit a claim such as a return or a refund to the payment agent server 110 in step S310. Or, if the subscriber who received the goods is satisfied, the subscriber terminal 120 transmits a signal informing the purchase decision to the payment agent server in step S320, and the payment agent server 110 receiving the signal receives the corresponding product in step S330. The billing fee is charged to the subscriber according to the purchase, and the payment amount excluding the fee to the operator in step S340. On the other hand, if a claim is filed at step S350, the IPS server 110 determines whether the filed claim has been resolved and resolved, for example, when the operator makes an appropriate response and informs the purchaser of the purchase at step S330. The billing fee is charged to the subscriber, and in step S340, the payment amount excluding the fee is paid to the service provider. Or if the claim is not resolved to pass a certain period of time in step S360 the payment agent server 110 may cancel the payment, and may not perform billing for the subscriber or payment for the operator. As described above, this is only when the claim is reasonable, and in case of an unfair claim, it is possible to selectively collect a fee for the subscriber and pay the settlement amount excluding the fee to the operator. In addition, if the goods sold are real goods, it is possible to selectively cancel the payment according to the confirmation result by checking whether the return was made properly.

In the above, specific preferred embodiments of the present invention have been illustrated and described. However, the present invention is not limited to the above-described embodiments, and various modifications can be made by any person having ordinary skill in the art without departing from the gist of the present invention attached to the claims. .

1 is a block diagram showing the configuration of a payment agent service providing system by an Internet service provider according to an embodiment of the present invention.

2 is a flowchart illustrating a procedure of a method for providing a billing service by an Internet service provider according to an exemplary embodiment of the present invention.

Claims (17)

A subscriber station subscribed to an Internet service of an Internet Service Provider (ISP); A service provider server for operating an internet shopping mall registered in the payment service of the ISP; It includes a billing agency server which is directly or indirectly operated by the ISP and provides a billing service including billing approval and billing for online goods traffic between the subscriber terminal and the operator server. The payment agency server checks the access location of the subscriber terminal, and checks whether the access location is matched with the actual address of the subscriber to determine whether the billing authorization service provider service system by the Internet service provider, characterized in that . The method of claim 1, wherein the subscriber station is An internet service provider comprising a laptop, a notebook computer, a server computer, an IPTV, and accessing an internet line fixedly installed by the ISP in the home, and using an internet service provided from the payment agent server through an internet network. Payment agency service providing system. The method of claim 2, wherein the subscriber station is System for providing a billing service by the Internet service provider, characterized in that access to the Internet shopping mall of the operator through the Internet network and makes a purchase request to the operator server for the desired goods. The method of claim 3, wherein the operator server The payment agency service providing system by the Internet service provider, characterized in that for requesting the billing approval for the purchase of the corresponding goods of the subscriber to the payment agency server for the purchase request. The method of claim 4, wherein the payment agent server And requesting information for authentication to the corresponding subscriber terminal in response to the charging approval request, and performing the payment approval to the service provider server only for the authenticated subscriber. The method of claim 5, wherein the payment agent server If the billing approval request over a certain amount, the billing approval service providing system by the Internet service provider, characterized in that the billing approval only for subscribers who have undergone the authentication process by requiring additional authentication. The method of claim 5, wherein the payment agent server To store transaction patterns by subscribers, If the billing approval request transaction is different from the usual transaction pattern or is for adult content, the billing agent service by the Internet service provider, which requires the subscriber to be further authenticated and approves the billing only for the subscriber. Provide system. The method of claim 5, wherein the operator server The billing service providing system by the Internet service provider, characterized in that providing the goods only to the authorized subscriber. The method of claim 8, wherein the good is A billing service providing system by an internet service provider, characterized in that it includes tangible goods and digital content requiring logistics delivery. The method of claim 8, wherein the subscriber station is Billing service providing system by the Internet service provider, characterized in that notifying the payment agent to confirm receipt of the goods. The method of claim 10, wherein the payment agent server Billing service service system provided by the Internet service provider, characterized in that the charges to the subscriber for the goods normally received and confirmed, and paying the service fee except the fee. The method of claim 4, wherein the payment agent server If the subscriber station is a terminal that has been authenticated at the first Internet access to the charge approval request, the billing service providing system by the Internet service provider, characterized in that the billing approval by minimizing the authentication process. In the billing service providing system by the Internet Service Provider (ISP), Transmitting, by the subscriber terminal subscribed to the Internet service of the ISP, a purchase request signal for a product that the subscriber wants to purchase to a service provider server operating an internet shopping mall registered with the ISP's payment agent service; Receiving, by the service provider server, the purchase request signal, the billing approval request signal for the purchase request of the subscriber to a payment agent server; Determining, by the payment agent server, receiving the charging approval request signal, confirming the access location of the subscriber station, checking whether the access location matches the actual address of the subscriber; Selectively transmitting one of a charging approval signal and a charging approval rejection signal to the operator server according to the determination result; Selectively supplying the goods by the operator server according to a signal received from the payment agent server; Notifying, by the subscriber terminal, the payment agency server of the purchase decision according to the receipt of the goods; And billing the subscriber for the goods determined to be purchased by the payment agency server and paying an amount excluding a fee to the corresponding service provider. The method of claim 13, wherein the determining whether to approve the charging Performing an authentication procedure; And determining a billing approval only for the authenticated subscriber. 15. The method of claim 14, wherein the authentication procedure is Method for providing a billing service by the Internet service provider, characterized in that it is omitted if the payment is less than a predetermined amount. 15. The method of claim 14, wherein the authentication procedure is Method for providing a billing service by the Internet service provider, characterized in that the subscriber terminal is omitted if the home terminal using only one unique user. The method of claim 13, wherein the determining whether to approve the charging Querying the credit rating of the subscriber; A method for providing a billing service by an Internet service provider, comprising: determining a billing approval only for a subscriber whose credit rating is equal to or higher than a certain level.

Images