KR101058487B1 - Remote payment system for online service - Google Patents

Abstract

The present invention allows the mobile terminal to be notified of the occurrence of a payment item for the online service, and remotely access the online service to enable the remote payment of the online service only by receiving and replying to a short message including an authorization number. Provide a payment system and its method. To this end, the present invention in the system for performing the payment processing according to the use of the paid portal service provided by the portal service server, receiving the payment guide according to the use of the paid portal service of the portal service server, payment approval number for payment processing When receiving the payment and the payment authorization number to the mobile communication terminal and proceeds with the payment request, according to the provision of the paid portal service from the portal service server and performs a payment request to the mobile terminal and payment request to the PG company server, A remote payment server for transmitting a reply approval number to a PG company server according to the approval number reply of the mobile communication terminal, and a payment approval number generated according to a payment request of the remote payment server; Of the authorization number sent to and returned through the remote payment server It is characterized in that it comprises a PG company server that performs the payment processing to check the match.

Billing, Short Message (SMS), Authorization Number, Reply

Description

Remote payment system for online services {System for Remote Payment of Online Service}

1 is a diagram showing the configuration of a remote payment system for an online service according to the present invention;

2 is a diagram showing a state in which paid payment for the use of an Internet portal service is performed remotely through a short message (SMS) of a mobile communication network according to a preferred embodiment of the present invention;

3 is a flowchart illustrating an operation of a remote payment method for an online service according to the present invention;

4A to 4E illustrate a payment request guide according to the use of an Internet portal service, a short message (SMS) according to a receipt and reply processing of a payment approval number, and a notice of payment completion according to a preferred embodiment of the present invention. It is a figure which shows the state displayed on a display screen as an example.

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

10: personal computer, 12: portal service server,

14: portal service information database, 18: remote payment server,

20: payment information database, 22: PG company server,

30: payment gateway, 32: SMS gateway,

34: MO gateway.

The present invention relates to a remote payment system and a method for an online service that enables payment for paid use of an online service to be performed remotely through a short message (SMS) transmission function of a mobile communication terminal.

In general, payments can be made using cash currency in exchange for purchase of goods or provided with a predetermined service on the offline.However, when a paid online service is provided through the Internet, cash money cannot be directly used. In addition, various payment methods have been proposed to replace the cash currency so that payments can be made efficiently.

To this end, in recent years, when payments are made for the purchase of goods or services online, such as an Internet shopping mall, more than offline conditions such as credit card payment, bank transfer payment, bank account payment, mileage or points payment, etc. Payment processing is possible through various payment methods.

In addition, not only purchase and payment of goods or services through an internet shopping mall, but also a download service for contents that can be paid for download, such as a software program, video, music, or e-book, a paid use of web hard storage space, or high-speed download of contents. For the quick quick download service and the paid storage service for mails with large files, credit card payment, bank transfer payment, bank account payment, mileage or point payment can be made.

In the case of various online programs, content download service, web hard pay service, quick download service, and pay storage service for large files, the amount charged is small. As a short message service (SMS) including an approval number is sent and a payment method is applied, it is widely used.

In the case of making a payment by sending a short message (SMS) including such an authorization number, the user can select a small payment on the Internet web through a personal computer and receive a short message. When you enter the information (behind the resident registration number) and payment items (ie credit card, bank transfer, cultural gift certificate, mobile phone call charges, etc.), a short message (SMS) including an authorization number is sent to the user's mobile terminal. For example, the payment process is normally performed by the user inputting the authorization number through a personal computer.

However, in the case of the payment method through the short message (SMS) including the conventional approval number, there is a limitation that can be applied only when the user directly selects the target content or service to pay through the personal computer, and the user There is a disadvantage that the user must enter the phone number, personal information, and payment items one by one.

Moreover, even if the user receives the approval number in the form of a short message through the mobile communication terminal, the payment process is normally performed by the user inputting the approval number directly through the personal computer. There is a disadvantage that normal payment processing cannot proceed with only the received short message.

Accordingly, the present invention has been made in view of the above-mentioned conventional circumstances, and an object thereof is to enable a mobile communication terminal to be notified of occurrence of a settlement matter for an online service, and to receive and reply to a short message including an authorization number. It is to provide a remote payment system and an method for the online service that enables the remote payment of the online service only by processing.

According to the system of the present invention to achieve the above object, in the system for performing the payment processing according to the use of the paid portal service provided by the portal service server, the payment guide according to the use of the paid portal service of the portal service server Receiving a payment approval number for payment processing and returning the payment approval number to perform a payment request; and a payment guide and PG to the mobile communication terminal according to the provision of a paid portal service from the portal service server. A remote payment server for performing a payment request to a company server and transmitting a reply approval number to a PG company server according to the response of the approval number of the mobile communication terminal, and payment according to the payment request of the remote payment server; Generate and transmit the authorization number to the mobile communication terminal, the remote Check for a match of the approval numbers returned by the server to provide remote payment system for online services wherein PG is configured to include the four servers that perform payment processing.

According to the method of the present invention to achieve the above object, if the payment is generated by the user using the paid portal service provided by the portal service server, the remote payment server to guide the payment request to the user's mobile terminal Sending a message, requesting a payment for a corresponding user from a PG company server, generating a payment approval number according to a payment request from the remote payment server, and sending the message to the mobile communication terminal; Returning the received payment approval number from the mobile communication terminal to the remote payment server; confirming and sending a reply approval number from the mobile communication terminal to a PG company server at the remote payment server; and the PG company server Processes the payment by confirming that the reply authorization number matches the payment authorization number Performed, including the step of notification of the payment processing result to the remote payment server provides a remote payment to the online service, characterized in that formed.

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

That is, FIG. 1 is a diagram illustrating a configuration of a remote payment system for an online service according to the present invention.

As shown in FIG. 1, the remote payment system for the online service according to the present invention includes a personal computer 10, a portal service server 12, a portal service information database 14, a mobile communication terminal 16, Remote payment server 18, payment information database 20, PG (Payment Gateway) company server 22 is composed of.

The personal computer 10 is connected to the portal site provided by the portal service server 12 through the Internet network, the membership is made through the provision of personal information, the various services provided by the corresponding portal service server 12 Paid service is available.

The portal service server 12 may use a download service of a file, a content, or a web hard storage space, which may be paid for download such as a software program, a video, music, or an electronic book to the personal computer 10 through an internet portal site. Alternatively, a paid quick download service for high-speed download of various files and contents, a paid storage service of an e-mail to which a large file is attached, and the like are provided.

In this case, the portal service server 12 uses the paid download service of a file or content, the paid use of a web hard storage space, a paid quick download service, or an e-mail with a large file attached thereto. In this case, the remote payment server 18 is notified of the occurrence of payment items according to the use of the paid portal service.

On the other hand, the paid storage service of the mail with a large file attached by the portal service server 12 is exceeded in response to receiving a mail with a large file attached while receiving a storage capacity of the mail as a basic capacity. In case of using the capacity, the data is charged in the form of a charge in megabytes so that the attached file can be downloaded and stored for a long time after the payment process is made. The portal service server 12 notifies the remote payment server 18 of the occurrence of a payment item according to the use of the excess capacity when an e-mail to which a large amount of files that need to use the excess capacity is attached is received.

The portal service information database 14 allocates web hard storage space for users subscribed to the portal site, and stores e-mails, fax images, voice mail messages, various large files, and media content data with large files attached thereto. Various software files and media contents that can be downloaded and paid for download are stored in various ways.

The mobile communication terminal 16, which is held by the user of the personal computer, is configured to enable voice call and text data communication with the other party through a mobile communication network, and pays for the portal service from the remote payment server 18. Receives a payment request according to the usage and receives a short message (SMS) including a payment approval number from the PG company server 22, and returns the corresponding payment approval number to the remote payment server 18 for the paid use of the portal service. Payment processing according to the will be made.

When the remote payment server 18 is notified of the occurrence of payment items due to the user using the portal service from the portal service server 12, the short payment request for payment to the mobile communication terminal 16 of the paying user. When sending a message (SMS) and notifying the PG company server 22 of the payment of the user, and receives the approval number generated in the PG company server 22 from the mobile communication terminal 16 , And confirms and sends the reply approval number to the PG company server 22 so that payment processing can be completed.

The payment information database 20 stores member information (ie, member name, terminal phone number, etc.) and payment information of a user who is registered as a member of the portal site provided by the portal service server 12.

The PG company server 22 is configured to perform a payment gateway (PG) function for the middle of the payment settlement through a specific payment means of the mobile communication terminal 16, which is from the remote payment server 18 When the personal computer 10 receives a payment request for using the paid portal service, a payment approval number is generated and transmitted to the mobile communication terminal 16 of the user in the form of a short message (SMS), and the remote payment server ( 18) If the reply approval number is received from the customer, the payment processing using the payment method (e.g., credit card payment, direct debit payment, cultural gift certificate payment, mobile phone bill payment, etc.) specified in advance by the user based on the confirmation of whether the approval number matches. To be done.

Next, FIG. 2 is a diagram illustrating a state in which paying for use of an Internet portal service is performed remotely through a short message (SMS) of a mobile communication network according to a preferred embodiment of the present invention.

As shown in FIG. 2, the remote payment server 18 includes a payment gateway 30, an SMS gateway 32, and a MO gateway 34.

When the remote payment server 18 is notified of the occurrence of a payment item according to the user's use of the portal service paid by the portal service server 12, the paid portal to the mobile communication terminal 16 through the SMS gateway 32 Send a short message (SMS) for guiding a small payment according to the use of the service, and performs the payment request to the PG company server 22 through the payment gateway 30 and the user's name and mobile communication Provide the terminal's terminal phone number.

Accordingly, the PG company server 22 randomly generates a payment approval number and sends it to the mobile communication terminal 16 in the form of a short message (SMS) through the user's terminal phone number, and the mobile communication terminal 16 ) Will return the authorization number to the remote payment server 18 using a short message (SMS).

The MO gateway 34 of the remote payment server 18 receives a short message (SMS) including an authorization number returned from the mobile communication terminal 16, and the payment gateway 18 receives the reply authorization number. Is transmitted to the PG company server 22.

The PG company server 22 confirms whether the reply approval number matches the approval number provided to the mobile communication terminal 16, and then performs a payment process and sends confirmation information of payment success to the payment gateway 30. send.

When the payment is successful, the remote payment server 18 sends a short message (SMS) notifying that the payment is completed to the mobile communication terminal 16 through the SMS gateway 32, and the portal service server 12 ) Is also notified that the payment is completed, so that the paid portal service is applied normally.

Next, the operation of the present invention made as described above will be described in detail with reference to the flowchart of FIG. 3 and the drawings of FIGS. 5A to 5E.

First, when a user of the mobile communication terminal 16 is a member of the portal site of the portal service server 12 through the personal computer 10, a large capacity exceeding the basic capacity through an e-mail account assigned to the user. When the e-mail to which the file is attached is received, the portal service server 12 notifies the remote payment server 18 of the occurrence of the paid payment matter according to the use of the excess capacity (step S10).

Accordingly, the remote payment server 18 can be extended to the user's mobile communication terminal 16 as shown in FIG. As described above, a short message (SMS) for guiding a payment request according to generation of payment items due to the paid use of the portal service is sent (step S11).

In addition, the remote payment server 18 transmits the user's name and terminal phone number while requesting the payment for the user to the PG company server 22 (step S12), and the PG company server 22 makes a payment. While accepting the request, an arbitrary payment approval number is generated (step S13).

The remote payment server 18 uses the generated payment approval number as shown in FIG. 4B. For example, the remote payment server 18 has a message content such as "1,000 won is automatically settled when entering the approval number payment window." In step 16, the message is sent via a short message SMS (step S14).

As the PG company server 22 notifies the remote payment server 18 of the fact that the short message (SMS) including the authorization number is sent (step S15), the authorization number in the remote payment server 18 After confirming the sending (step S16), as shown in Fig. 4c, a short message (SMS) for guiding the payment of the approval number of the contents of the message, for example, "the payment is now sent automatically when the reply number sent to you in reply" (SMS) ) Is sent (step S17).

Accordingly, the mobile communication terminal 16 transmits a short message (SMS) including a reply approval number as a reply (step S18) while the user performs a reply operation (step S18). ), The remote payment server 18 confirms and sends the reply approval number to the PG company server 22 (step S20).

Therefore, the PG company server 22 confirms whether the reply approval number matches the approval number sent to the mobile communication terminal 16, and performs the payment processing using the payment means designated by the user (see FIG. Step S21), the remote payment server 18 is notified of the success of the payment processing (step S22).

Therefore, the remote payment server 18, as shown in Figure 4e, for example, a short message of the content of the message about the payment result, such as "one thousand won is stored in the mail (701MB) of the normal payment completion Hong Gildong 1 month" (SMS) is sent (step S23).

In addition, the remote payment server 18 notifies the portal service server 12 that the payment processing is completed so that the received large-capacity mail can be stored for one month through the web hard storage service.

While specific embodiments of the present invention have been described and illustrated above, it will be apparent that the present invention may be embodied in various modifications by those skilled in the art. Such modified embodiments should not be understood individually from the technical spirit or the prospect of the present invention, but should fall within the claims appended to the present invention.

As described above, according to the present invention, even if there is no personal computer connected to the Internet, it is possible to be notified of payment matters generated by the use and operation of the Internet portal service through the mobile communication terminal, and payment approval using only the mobile communication terminal. By receiving and replying to the number, payment processing for the paid use of the Internet portal service can be performed, so that the user can process the payment service of the desired paid service without selecting a payment request for the paid portal service on the Internet. Using a personal computer, even if the user does not enter the terminal phone number, personal information, or confirm the approval number, the normal payment processing can be performed only by replying to the short message of the mobile communication terminal, thus making payment more convenient and convenient for the user. Provide means It can be given to that effect.

Claims (8)

delete delete In the system for performing the payment processing according to the use of the paid portal service provided by the portal service server, Receive a short message (1) including a payment guide according to the use of the paid portal service from a remote payment server, and provides a short message (2) including an authorization number for payment processing corresponding to the payment guide from the PG company server A mobile communication terminal for constructing a short message (3) including an authorization number included in the short message (2) and returning to the remote payment server that has transmitted the short message (1) to proceed with a payment request; Transmitting the short message 1 including the payment guide to the mobile communication terminal and performing a payment request corresponding to the payment guide to the PG company server, and when the payment processing is completed, the payment processing result is returned to the portal service server. A remote payment server that notifies to enable the paid portal service to be executed; And Authorization number generated according to the payment request of the remote payment server and transmitted to the mobile communication terminal through the short message (2), the authorization number returned through the remote payment server-the authorization included in the short message (3) Remote payment system for the online service, characterized in that configured to include a PG company server that performs the payment processing to check whether the number-match. The method of claim 3, wherein The remote payment server is a payment gateway for performing a payment request to the PG company server, sending a reply approval number and receiving confirmation of the payment success from the PG company server; An SMS gateway for sending a payment guide message and a payment completion notification message to the mobile terminal in the form of a short message (SMS); Remote payment system for an online service comprising a MO (Mobile Originate) gateway receiving a reply authorization number from the mobile communication terminal. delete delete delete delete

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