KR101383160B1 - Payment system using mobile phone number and method thereof - Google Patents

Abstract

The present invention relates to a bill payment system using a mobile phone number and a method therefor and, more particularly, to a bill payment system using a mobile phone number capable of demanding an account with only an input of a mobile phone number of a payer without a need of a variety of personal information and enabling the payer to pay charges with a simple input of a password, and a method therefor. [Reference numerals] (10) Demander; (110) Web server; (120) Main server; (130) ARS server; (20) Payer; (S1000) Input member information; (S1100) Register a member; (S1200) Generate a service balance account; (S1300) Transmit the member information and service balance account information; (S1400) Store the member information and the service balance account information; (S1500) Transmit a mobile phone number; (S1600) Password setting ARS; (S1700) Set up a password; (S1800) Store the password; (S2000) Login; (S2100) Charge for bills; (S2200) Transmit the charge for bills; (S2300) Store a billing history; (S2400) Transmit a billing history message; (S2500) Reply to the billing history message; (S2600) Request payment approval; (S2700) Password input ARS; (S2800) Input the password; (S2900) Check the payment approval; (S3000) Transfer charges to the account; (S3100) Transmit a transaction result message

Description

Billing payment system using mobile phone number and method thereof {Payment system using mobile phone number and method

The present invention relates to a billing payment system and a method thereof, and more specifically, it is possible to claim money only by inputting the payer's mobile number without requiring a lot of various personal information, and the payer simply enters a password to charge the bill. It relates to a billing payment system and a method using a mobile phone number that can pay.

In general, in order to claim and pay money, the banking system uses the bank's request to insert the money into a certain number of deposit accounts, an automatic debit method that regularly transfers money to the claimant, internet banking, telebanking, and external PG. There is a method using a payment gateway service.

However, for non-regular private transactions other than regular billing institutions, direct debit is not available, so each time you bill and pay, the claimant tells you the account number and the payer pays you with the account number. You have no choice but to use the transfer method.

In other words, the use of services such as Internet banking and telebanking in irregular financial transactions, each time the payer has to perform a complicated process, such as entering the account number of the claimant and going through the authentication process through the certificate, it is very troublesome .

In addition, in the case of direct debit, you can reduce the hassle of entering the account number and going through the accreditation process, but you may see a delinquent payment due to problems such as insufficient payment account balance or miscalculation of payment time. It is true.

In addition, when the payer is verbally delivered to the claimant's account number, the account number is often forgotten due to the complexity of the account number. In the case of Internet banking, problems such as certificate theft and hacking are emerging as social issues.

The inventors of the present invention researched a method of making payments without the hassle of accredited certificates during the occasional financial transaction and performing the billing and payment without the hassle of entering an account number. Billing is possible only by entering a phone number, and the payer has developed the technical configuration of the billing payment system and its method, which can be paid by simply entering a password without going through an authentication process, thereby completing the present invention.

Accordingly, it is an object of the present invention to provide a billing payment system and method for allowing a claimant to make a payment using the payer's mobile phone number.

In addition, another object of the present invention is to provide a billing payment system and a method for which a payer can make a payment by simply entering a password without going through a procedure such as an authentication process or input of an account number.

The objects of the present invention are not limited to the above-mentioned objects, and other objects not mentioned can be clearly understood by those skilled in the art from the following description.

In order to achieve the above object, the present invention provides a web page for billing payment service that a user can access through the Internet, and receives member information including a bank account number and a mobile phone number from the user and performs a member registration procedure. server; Receives and stores the user's member information from the web server, manages the deposit and withdrawal and transfer of the bank account number, and when the web server receives the payer's mobile phone number and the billing claim from the claimant, the billing request. If the type of the general billing, the billing history message is sent to the payer's mobile phone number, if the member payment message and password is returned from the payer's mobile phone, the billing account of the payer to the billing account of the claimant When the money is transferred or only the member payment message is returned from the payer's mobile phone, the payment approval request signal is transmitted to the following ARS server, and when the payment approval confirmation signal or password is returned from the ARS server, the payer's bank account A main server for transferring the charge from the number to the account holder's account number; And when the payment approval request signal is transmitted from the main server, transmits the password input ARS to the payer's mobile phone number, and sends the payment approval confirmation signal to the main server when the password is returned from the payer's mobile phone. Or ARS server for transmitting the returned password to the main server; provides a billing payment system comprising a.

In a preferred embodiment, the web server creates a service balance account, which is an account that can receive and transfer funds from the bank account number, and the main server returns a password from the payer's mobile phone, or the ARS. When the payment approval confirmation signal or password is returned from the server, the charge is transferred from the payer's service balance account to the biller's service balance account.

In a preferred embodiment, the main server, if the type of payment request is an immediate request, transmits a payment approval request signal to the ARS server without transmitting the billing history message, and the payment approval confirmation signal from the ARS server or When the password is received, the charge is transferred.

In a preferred embodiment, the password is received from the user when the web server performs the membership registration procedure is pre-stored in the main server or the ARS server, or the ARS server to set the password to the user's mobile phone number ARS Send and return the password is stored in advance in the main server or the ARS server.

In a preferred embodiment, the main server, after determining whether the password returned from the payer's mobile phone or the ARS server matches the pre-stored password, and transfers the bill if it matches.

In a preferred embodiment, the ARS server, after determining whether the password returned from the payer and the pre-stored password matches, and transmits the payment approval confirmation signal to the main server if it matches.

In a preferred embodiment, the password is stored one-way encrypted in the main server or the ARS server.

In a preferred embodiment, when the password is stored unidirectionally encrypted in the main server, the main server unidirectionally encrypts the password returned from the payer's mobile phone or the ARS server and compares it with the previously stored encrypted password. After determining whether there is a match, and if it matches, the charge is transferred.

In a preferred embodiment, when the password is stored in the ARS server unidirectionally encrypted, the ARS server unidirectionally encrypts the password returned from the payer, and after determining whether the password matches the previously stored encrypted password, If there is a match, the payment approval confirmation signal is transmitted to the main server.

In a preferred embodiment, if the password is stored in the main server unidirectionally encrypted, the main server, when the member payment message is returned from the payer's mobile phone, the payment authorization request signal and the encrypted password to the ARS server And ARS server unidirectionally encrypts the password returned from the payer, determines whether it matches the encrypted password received from the main server, and if so, sends the payment approval confirmation signal to the main server. To send.

In a preferred embodiment, if the main server receives a non-member payment message from the payer's mobile phone after sending the billing history message, a payment guide message through an external payment gateway service (PG Service). Send to the payer's mobile phone number or cause the payer's mobile phone to output the web page of the external electronic payment service.

In a preferred embodiment, after the external electronic payment service is terminated, the main server, the web server or the ARS server receives and stores the payer's password to register the payer as a member.

In a preferred embodiment, the main server or the web server, when registering the payer's membership, the bank account account entered into the external electronic payment settlement service without receiving the bank account and mobile phone number of the payer separately The number and the mobile phone number of the payer inputted from the claimant are stored as member information of the payer.

In a preferred embodiment, the billing history message is sent via an application preinstalled on the payer's mobile phone.

In a preferred embodiment, if the billing history message is a short message service (SMS) message, the main server sends a payment approval request signal to the ARS server when receiving a member payment approval message from the payer.

In a preferred embodiment, when the billing history message is a short message service (SMS) message, the SMS message includes link information of a HyperText Markup Language (HTML) web page, and the main server uses the HTML web page. When the payment approval message is returned from the payer, the payment approval request signal is transmitted to the ARS server.

In a preferred embodiment, when the billing history message is a short message service (SMS) message, the SMS message includes link information of a HyperText Markup Language (HTML) web page, and the main server uses the HTML web page. Upon receipt of a payment approval message and password from the payer, the charge is transferred.

In a preferred embodiment, if the billing history message is a mobile instant message or a Rich Communication Suite (RCS) message, the main server transfers the billing amount upon receiving a member payment approval message and a password from the payer.

In a preferred embodiment, if the billing history message is a mobile instant message or a Rich Communication Suite (RCS) message, the main server sends a payment approval request signal to the ARS server upon receiving a member payment approval message from the payer. send.

In a preferred embodiment, when the billing history message is a mobile instant message or a Rich Communication Suite (RCS) message, the SMS message includes link information of a HyperText Markup Language (HTML) web page, and the main server is the HTML. When the payment approval message is returned from the payer through the web page, the payment approval request signal is transmitted to the ARS server.

In a preferred embodiment, when the billing history message is a mobile instant message or a Rich Communication Suite (RCS) message, the SMS message includes link information of a HyperText Markup Language (HTML) web page, and the main server is the HTML. Upon receipt of a payment approval message and password from the payer via a web page, the charge is transferred.

The present invention also provides a billing payment method performed by a billing payment system including a web server, a main server, and an ARS server, wherein the web server includes a bank account number and a mobile phone number from a user through a billing payment service web page. Receiving a member information to perform a member registration procedure; Storing, by the main server, member information of a user from the web server; Receiving, by the web server, a billing party's mobile phone number and billing request from a claimant who is a member; When the type of the billing request is general billing, sending, by the main server, a billing history message to the payer's mobile phone number; When the member payment message and the password are returned from the payer's mobile phone to the main server, the main server transfers the charge from the payer's bank account number to the biller's bank account number and terminates, or the main server. Sending a payment approval request signal to the ARS server when only a member payment message is returned from the payer's mobile phone; The ARS server transmitting a password input ARS to the payer's mobile phone number; If the password is returned from the payer's mobile phone to the ARS server, the ARS server checks the password and transmits a payment approval confirmation signal to the main server or transmits the returned password; When the payment approval confirmation signal is transmitted to the main server, the main server transfers the charge amount from the payer's bank account number to the biller's bank account number, or terminates, or if the password is transmitted to the main server, The server further checks the password and transfers the billed amount from the payer's bank account number to the biller's bank account number, and ends. The method further provides a billing payment method comprising a.

The present invention also provides a billing payment method performed by a billing payment system including a web server, a main server, and an ARS server, wherein the web server includes a bank account number and a mobile phone number from a user through a billing payment service web page. Receiving a member information to perform a member registration procedure; Storing, by the main server, member information of a user from the web server; Receiving, by the web server, a billing party's mobile phone number and billing request from a claimant who is a member; Transmitting, by the main server, a payment approval request signal to the ARS server when the type of the payment request is an immediate request; The ARS server transmitting a password input ARS to the payer's mobile phone number; If the password is returned from the payer's mobile phone to the ARS server, the ARS server checks the password and transmits a payment approval confirmation signal to the main server or transmits the returned password; When the payment approval confirmation signal is transmitted to the main server, the main server transfers the charge amount from the payer's bank account number to the biller's bank account number, or terminates, or if the password is transmitted to the main server, The server further checks the password and transfers the billed amount from the payer's bank account number to the biller's bank account number, and ends. The method further provides a billing payment method comprising a.

In a preferred embodiment, the web server in the step of performing the membership registration process, the web server creates a service balance account that is an account that can receive and withdraw funds from the bank account number.

In a preferred embodiment, the web server may further include a step of receiving a password from a user, and the main server receives and stores a password from the web server.

In a preferred embodiment, the web server may further include a step of receiving a password from a user, and the ARS server may receive and store a password from the web server or the main server. .

In a preferred embodiment, after the web server performing the membership registration process, the main server or the ARS server further comprises the step of receiving and storing the user's password, the step of receiving and storing the password The main server transmits a password setting signal to the ARS server; Transmitting, by the ARS server, a password setting ARS to a user's mobile number; And when the password of the user is returned to the ARS server, storing the returned password by the main server or the ARS server.

In a preferred embodiment, the main server or the ARS server unidirectionally encrypts and stores the returned password, and if the encrypted password is stored in the main server, the main server is the mobile phone number of the payer or the ARS. The password returned from the server is unidirectionally encrypted, and the billed amount is transferred if it compares with a previously stored encrypted password.

In a preferred embodiment, the main server or the ARS server stores the returned password by one-way encryption, and when the encrypted password is stored in the main server, the main server transmits the encrypted password to the ARS server. The ARS server unidirectionally encrypts the password returned from the payer's mobile phone number, and compares the encrypted password received from the main server with each other, and transmits the payment approval confirmation signal to the main server. .

In a preferred embodiment, the main server or the ARS server unidirectionally encrypts and stores the returned password, and when the encrypted password is stored in the ARS server, the ARS server returns a response from the payer's mobile phone number. When the password is unidirectionally encrypted and compared with the previously stored encrypted password, the payment approval confirmation signal is transmitted to the main server.

In a preferred embodiment, when the main server receives a non-member payment message from the payer's mobile phone after sending the billing history message, the main server pays the external electronic payment to the payer's mobile phone number. Transmitting a payment guide message for guiding payment through a service or outputting a web page of the external electronic payment service to the payer's mobile phone.

In a preferred embodiment, when the external electronic payment service is terminated, the main server, the web server or the ARS server receives and stores the payer's password and registers the payer as a member. do.

In a preferred embodiment, the step of registering the payer as a member is input from the account book account number and the claimant entered into the external electronic payment service, without receiving the bank account account number and the mobile phone number of the payer separately The mobile phone number of the payer is stored as member information of the payer.

In a preferred embodiment, the billing history message may be transmitted via an application preinstalled in the payer's mobile phone.

In a preferred embodiment, if the billing history message is a short message service (SMS) message, the main server sends a payment approval request signal to the ARS server when receiving a member payment approval message from the payer.

In a preferred embodiment, when the billing history message is a short message service (SMS) message, the SMS message includes link information of a HyperText Markup Language (HTML) web page, and the main server uses the HTML web page. When the payment approval message is returned from the payer, the payment approval request signal is transmitted to the ARS server.

In a preferred embodiment, when the billing history message is a short message service (SMS) message, the SMS message includes link information of a HyperText Markup Language (HTML) web page, and the main server uses the HTML web page. Upon receipt of a payment approval message and password from the payer, the charge is transferred.

In a preferred embodiment, if the billing history message is a mobile instant message or a Rich Communication Suite (RCS) message, the main server transfers the billing amount upon receiving a member payment approval message and a password from the payer.

In a preferred embodiment, if the billing history message is a mobile instant message or a Rich Communication Suite (RCS) message, the main server sends a payment approval request signal to the ARS server when a member payment approval message is returned from the payer. send.

In a preferred embodiment, when the billing history message is a mobile instant message or a Rich Communication Suite (RCS) message, the SMS message includes link information of a HyperText Markup Language (HTML) web page, and the main server is the HTML. When the payment approval message is returned from the payer through the web page, the payment approval request signal is transmitted to the ARS server.

In a preferred embodiment, when the billing history message is a mobile instant message or a Rich Communication Suite (RCS) message, the SMS message includes link information of a HyperText Markup Language (HTML) web page, and the main server is the HTML. When the payment approval message and the password are returned from the payer through the web page, the charge is transferred.

The present invention has the following excellent effects.

First, according to the billing payment system and the method of the present invention, when registering the account account number, mobile phone number, password only once at the time of the first membership, and then use the service without using the authentication certificate, equipment password, security card number, etc. Billing can be made using only the phone number, so it is very simple and there is no effect of the risk of hacking or loss of certificate.

In addition, according to the billing payment system and the method of the present invention, the claimant is able to use the appropriate billing method according to the situation because it is possible to claim the selective payment of the immediate claim or the general claim.

In addition, according to the billing payment system and the method of the present invention, since the non-member payer can use the PG service, the member can be registered only by registering a password without inputting additional member information, thereby increasing the membership registration rate.

1 is a view showing the configuration of a billing payment system according to an embodiment of the present invention;
2 is a flowchart showing a billing payment method by general billing in a billing payment method according to an embodiment of the present invention;
3 is a flowchart showing a billing payment method by immediate billing in a billing method according to an embodiment of the present invention;
4 is a flowchart illustrating a bill payment method when a payer is a non-member in a bill payment method according to an embodiment of the present invention.

Although the terms used in the present invention have been selected as general terms that are widely used at present, there are some terms selected arbitrarily by the applicant in a specific case. In this case, the meaning described or used in the detailed description part of the invention The meaning must be grasped.

Hereinafter, the technical structure of the present invention will be described in detail with reference to preferred embodiments shown in the accompanying drawings.

However, the present invention is not limited to the embodiments described herein but may be embodied in other forms. Like reference numerals designate like elements throughout the specification.

Referring to FIG. 1, the billing payment system 100 according to an exemplary embodiment of the present invention includes a web server 110, a main server 120, and an ARS server 130.

However, the billing payment system 100 may be configured as one server including the functions of the web server 110, the main server 120, and the ARS server 130.

Hereinafter, a brief function of the billing system 100 will be described, and detailed functions will be described together in the description of a billing method according to an embodiment of the present invention.

The web server 110 is connected to a user device 10 managed by a user, such as a computer, a smart phone, and a tablet PC, through the Internet, and provides a bill payment service web page for performing a bill payment service.

In addition, the web server 110 receives the member information including the user's bank account number and mobile phone number from the user device 10, and the service balance account which is an account that can receive and withdraw funds from the user's bank account number Create a membership and perform the membership registration procedure.

In addition, the service balance account may be deposited by receiving money transfer from the user's bank account or may be set to use a certain amount of the user's bank account as a service amount.

However, the web server 110 may allow the funds to be transferred directly from the user's bank account number when using the service without generating the service balance account separately.

In addition, the web server 110 receives a password to be used when transferring the funds of the service balance account from the user device (10).

In addition, the password is a password for the transfer is distinct from the password for logging in to the web server 110 as a member.

However, the password may be input by the main server 120 from the user device 10, the ARS server 130 is received directly from the user device 10 or stored directly, or the ARS server 130 May transmit the received password to the web server 110 or the main server 120 to be stored by the web server 110 or the main server 120.

In addition, the password may be stored in the web server 110, the main server 120, or the ARS server 130 by being one-way ciphered.

The main server 120 receives the user's member information from the web server 110 and stores it in the member DB 121a to register and manage the user as a member, and the claimant registered as the member is the web server 110. When you make a billing request, the billing history included in the billing request is saved.

In addition, the billing history may include the name of the claimant, the amount charged, the name of the payer and the mobile phone number of the payer.

In addition, the main server 120 transmits the billing history message to the payer's mobile phone 20 and directly receives a password from the payer's mobile phone 20, or accepts payment from the ARS server 130. When the confirmation signal is received, the charge is transferred from the payer's service balance account to the biller's service balance account.

However, if the service balance account is not separately created in the web server 110, the charge amount may be directly transferred from the payer's bank account number to the biller's bank account number.

In addition, the main server 120 is a member management unit 121 for managing user information of the user, the bill payment management unit 122 for storing and managing the billing history and the function of sending and receiving messages and transfer of funds in the service balance account It may include a transaction approval processing unit 123 to process.

The ARS server 130 is interlocked with the web server 110 and the main server 120, the payment approval for the identity verification and payment approval of the payer from the web server 100 or the main server 120 When the request signal is input, the password input ARS is transmitted to the payer's mobile phone number.

In addition, the password input ARS may be a video ARS including a text or an image, as well as a voice ARS, and the video ARS may include a billing history, a password input window, and a button image for selecting a member payment or a nonmember payment. have.

That is, when the password input ARS is a voice ARS, the payer may input a password by pressing a button according to the voice guidance, and when the image ARS is input, the password may be transmitted by entering a password in the password input window.

 In addition, if the password is returned from the payer's mobile phone 20, the ARS server 130 checks whether it matches the pre-stored password, and if it matches, the web server 100 or the main server 120. Transmits a payment confirmation signal.

However, the ARS server 130 may pass the returned password to the web server 110 or the main server 120 as it is, in this case, the web server 110 or the main server 120 is delivered. After checking whether the received password matches the pre-stored password, the fund transfer function of the service balance account is performed.

2 shows a billing payment method according to an embodiment of the present invention, and shows a billing payment method when the type of billing is general billing.

Hereinafter will be described the detailed function of the billing payment system according to an embodiment of the present invention.

First, when a user accesses the web server 110 using the user device 10, the web server 110 receives member information including a bank account number and a mobile phone number from the user device 10. It receives an input (S1000), and performs a member registration procedure (S1100).

Next, the web server 100 creates a service balance account, which is an account that can receive and withdraw funds from the user's bank account number (S1200), and sends the input member information and service balance account information to the main server 120. It transmits (S1300).

However, the main server 120 may perform the procedure of generating the service balance account.

In addition, the service balance account may not be separately created. In this case, the transfer of funds directly from the payer's bank account number to the claimant's bank account number in the future use of the service.

Next, the main server 120 stores the member information and the service balance account information (S1400).

Next, the main server 120 transmits the mobile phone number of the user to the ARS server 130 (S1500).

Next, the ARS server 130 transmits the password setting ARS for setting the password to the user's mobile phone number (S1600), and if the password is returned from the user device 10 (S1700), and stores the returned password. (S1800).

In addition, the password setting ARS may be a voice ARS or a video ARS. Since the difference between the voice ARS and the image ARS has been described above, a description thereof will be omitted.

In addition, the ARS server 130 may transmit the returned password to the main server 120 to allow the main server 120 to store it, or to allow the web server 110 to store it.

However, when the web server 100 performs the membership registration procedure, the password may be received from the user device 10 and stored by the web server 100 or the main server 120. The transaction approval processing unit 123 of 120 may transmit the password setting message to the user's mobile number and receive and store the reply.

In addition, how the main server 120 receives the password may vary depending on the type of the password setting message.

First, when the password setting message is a short message service (SMS) message, since the main server 120 cannot receive a password directly from the user device 10, the password is returned through the ARS server 130. Save it.

However, the SMS message may include link information of an HTML (HyperText Markup Language) web page for password input, and when the user device 10 accesses the HTML web page and inputs a password, the HTML web page Password can be received from and saved.

In addition, the HTML web page may be a billing payment service web page provided by the web server 110.

Secondly, if the password setting message is a mobile instant message or a Rich Communication Suite (RCS) message used in an SNS messenger, etc., the password may be directly received from the user device 10 and stored.

In addition, the password setting message may be transmitted through an application (application, application) prepared to perform the method and pre-installed in the user device 10.

In addition, the password may be unidirectionally encrypted and stored in the web server 110, the main server 120, or the ARS server 130.

Next, in order to use the bill payment service, the user device 10 of the claimant who is a member accesses and logs in to the web server 110 (S2000), and the web server 110 from the user device 10 of the claimant. A billing history and a billing request including a payer's mobile phone number, a billing amount, and a billing type are received (S2100).

In addition, the claim may include the name of the payer.

In addition, the payment request is a signal for requesting the amount of the charge, the ARS server without first sending a billing message to the payer and the payer checks the billing history message and can be paid if the payer confirms the billing history message. If a password is entered through, it is divided into instant bills that can be paid.

Next, the web server 110 transmits the billing history and the billing request to the main server 120 (S2200), and the billing payment management unit of the main server 220, the biller and the payer later access the Internet web page. The claim is stored so that it can be checked (S2300).

Next, when the type of payment request is a general request, the main server 120 transmits a billing detail message to the payer's mobile phone 20 (S2400).

In addition, the billing history message may be an SMS message, a mobile instant message or an RCS message.

In addition, the billing history message may be transmitted through an application program prepared for performing the method and pre-installed in the user device 10.

In addition, the billing history message includes a billing history, a payment type selection window for selecting a payment type, a password input window for inputting a password, or an HTML web page for inputting a password through the Internet (the bill payment service webpage). It may include link information.)

In addition, the payment type is classified into a member payment and a non-member payment according to whether the payer is a member.

In addition, the payment type selection window may include a member payment button that can be selected when the payer is a member and a nonmember payment button that can be selected when a non-member.

In addition, the information included in the billing history message may be different according to the type of message. If the billing history message is an SMS message, the billing history cannot be directly inputted from the payer's mobile phone 20. And the payment type selection window and the link information of the HTML web page. If the billing history message is a mobile instant message or an RCS message, a password can be directly input from the payer's mobile phone. , The payment type selection window, the password input window, or the HTML web page link information.

More specifically, the billing history message may include 1) an SMS message including the billing history and the payment type selection window (hereinafter referred to as a 'first billing history message'), and 2) the billing history and the HTML webpage link. SMS message including information (hereinafter referred to as 'second billing history message'), 3) SMS message including the billing history, the payment type selection window and the link information of the HTML web page (hereinafter 'third billing history message') 4) a mobile instant message or RCS message including the claim details and the payment type selection window (hereinafter referred to as a 'fourth claim history message'), 5) the claim details and link information of the HTML web page. Mobile instant message or RCS message (hereinafter referred to as "5th billing history message"), 6) Mobile instant message including the billing history, the payment type selection window and the link information of the HTML web page or RCS message (hereinafter referred to as 'the sixth billing history message'), 7) Mobile instant message or RCS message including the billing history, the payment type selection window and the password input window (hereinafter referred to as 'the seventh billing history message' 8) Eight of the mobile instant message or RCS message (hereinafter referred to as 'the eighth billing history message') including the billing history, the payment type selection window, the password input window and the link information of the HTML web page. It can be divided into messages.

Next, the main server 120 receives the payment type or the payment type and password from the payer's mobile phone (S2500).

In addition, the information returned by the main server 120 varies depending on the type of the billing history message. 1) If the billing history message is the first billing history message, the payment type is returned from the mobile phone of the payer. 2) if the second billing history message is returned to the payment type or payment type and password through the web page of the link information of the HTML web page, and 3) if the third billing message is from the payer's mobile phone Receive a payment type or payment type and password through a web page of the link information of the HTML web page; and 4) receive a payment type from the payer's mobile phone in the case of the fourth billing message; 5) In the case of the fifth billing history message, the payment type or payment type and password are changed through the web page of the link information of the HTML web page. 6) In the case of the sixth billing message, the payment type is returned from the payer's mobile phone or the payment type or payment type and password are returned through the web page of the link information of the HTML web page; In the case of the seventh billing message, a payment type or a payment type and a password are returned from the payer's mobile phone; and 8) In the case of the eighth billing message, a link of the payer's mobile phone or the HTML web page. Receive the payment type or payment type and password through the information web page.

Next, when the main server 120 receives both the member payment message and the password among the payment types from the payer's mobile phone 20 or the web page of the HTML web page link information, the returned password is stored in advance. If the match is determined to match, the transaction approval processing unit 123 of the main server 120 transfers the billed amount from the service balance account of the payer to the service balance account of the claimant and ends.

In addition, when the previously stored password is a one-way encrypted password, the main server 120 may unidirectionally encrypt the returned password and compare the encrypted passwords with each other to transfer the billed amount.

In addition, if the service balance account is not generated, the transaction approval processing unit 123 of the main server 120 may transfer and end the charge directly from the payer's bank account number to the biller's bank account number. have.

However, when the main server 120 receives only a member payment message from the payer's mobile phone 20 or the web page of the HTML web page link information, the main server 120 transmits a payment approval request signal to the ARS server 130. (S2600).

In addition, if the password is not stored in the ARS server 130, the main server 120 may transmit the password of the payer with the payment approval request signal, the password of the payer is one-way encrypted It may be a password.

Next, the ARS server 130 sends a password input ARS to the payer's mobile phone number (S2700).

The password input ARS may be a voice ARS or a video ARS, and the difference between the voice ARS and the video ARS has been described above.

Next, the ARS server 130 receives a password from the payer's mobile phone (S2800), and if the matched password is determined to match the pre-stored password, the payment approval confirmation to the main server 120 The signal is transmitted (S2900).

However, the ARS server 130 may transmit the password returned from the payer's mobile phone to the main server 120, in which case the main server 120 determines whether the password matches.

In addition, if the previously stored password is a one-way encrypted password, the ARS server 130 unidirectionally encrypts the returned password and determines whether the encrypted passwords match. A confirmation signal may be transmitted, and the returned password may be unidirectionally encrypted and transmitted to the main server 120.

Next, when the main server 120 receives the payment approval confirmation signal from the ARS server 130, and transfers the billed amount from the service balance account of the payer to the service balance account of the claimant (S3000).

However, when the main server 120 directly receives a password (which may be a one-way encrypted password) from the ARS server 130, it transfers the charge after determining whether the input password matches the previously stored password. You can exit.

In addition, the main server 120 may transmit a transaction result message indicating the success or failure of the transaction result after the transfer of the bill to the mobile phone numbers of the claimant and the payer (S3100).

However, when the type of the payment request is an immediate request, the main server 120 does not transmit a billing message to the payer's mobile phone, but transmits a request for payment approval to the ARS server 130.

Referring to FIG. 3, when the main server 120 receives the payment request from the web server 110 (S2200), when the type of the payment request is an immediate request, the main server 120 immediately returns the ARS. After transmitting the payment approval request signal to the server (130) (S2600), the ARS server (130) sends a password input ARS to the payer's mobile phone number (S2700), if the password is returned (S2800) password Check and transmits a payment approval confirmation signal to the main server 120 (S2900).

However, the ARS server 130 may transmit the returned password to the main server 120.

In other words, if the type of payment request is an immediate request, the password input ARS is sent regardless of whether the payment history message is confirmed by the payer, so that the claimant can receive the money more quickly.

In addition, if the payment request is an immediate request, the selection of the payment type is made in step (S2800) of receiving the password after the transmission of the password input ARS. If the payment type is a non-member payment, the password is not entered. Do not.

That is, when the payer selects a payment type, when the payment request is a general request, the main server 120 receives a reply to the billing message from the payer's mobile phone (S2500). If the payment request is an immediate request, the ARS server 130 receives the password from the payer's mobile phone in response to the password input ARS (S2800).

Hereinafter, a billing payment method through non-member payment will be described with reference to FIG. 4.

First, when the main server 120 or the ARS server 130 receives a non-member payment from the payer's mobile phone (S4000), the main server 120 pays an external electronic payment to the payer's mobile phone number. A PG service payment guide message for guiding payment through a payment service (PG Service: Payment Gateway Service) 30 is transmitted (S4100).

In addition, the PG service payment guide message may include web page link information of a PG service server accessible by a payer.

However, the main server 120 may cause the web page of the PG service server to be popped out and output to the payer's mobile phone 20 without sending the PG service payment guide message.

The PG service 30 is also referred to as an electronic payment settlement service, and is an online service in which a third party receives a claim amount from a payer on behalf of the claimant and transfers it back to the claimant.

In addition, the PG service payment guide message may be transmitted to the voice ARS or the video ARS by the ARS server 130.

Next, the payer inputs the bank account number of the claimant through the PG service 30 and transfers the real time account to the claimant's bank account through the authentication process of the authorized certificate (S4200).

Next, the PG service 30 transmits a payment completion message to the main server 120 (S4300). However, the payment completion message may be transmitted to the web server 110 or the ARS server 130.

Next, the main server 120 transmits a registration guide message to the payer's mobile phone number (S4400), and if the subscription is accepted from the payer's mobile phone (S4500), the payer is registered as a member. do.

However, the member registration guide message may be transmitted to the member registration guide ARS of the ARS server 130.

In addition, when accepting the membership, the main server 120 receives and stores a password from the payer's mobile phone.

In this case, the method for receiving the password may be different according to the type of the registration guide message. First, when the registration guide message is a short message service (SMS) message, the main server 120 may provide the payment. Since the password cannot be directly returned from the mobile phone 20 of the person, the password is returned and stored through the ARS server 130.

However, the SMS message may include link information of an HTML web page for password input, and may receive and store a password inputted to the HTML web page. In addition, the HTML web page may be a billing payment service web page provided by the web server 110.

Next, when the password setting message is the same mobile instant message or RCS message, the password is directly returned from the payer's mobile phone and stored.

In addition, when the main server 120 registers the payer as a member, the bank account number and the mobile phone number of the payer does not receive a separate input from the payer, and the bank account number used in the PG service. The telephone number of the payer received from the claimant is stored as member information (S4600).

Therefore, the non-member payer has the advantage that can be simply registered as a member only by setting a password.

Next, the main server 120 creates and stores the service balance account of the payer. However, the service balance account may be created by the web server 110.

Next, when the main server 120 does not directly receive the password, the mobile phone number of the payer is transmitted to the ARS server 130 (S1500), and the ARS server 130 carries the payer. Set a password from the phone (S1600, S1700), receives the set password and stores (S1800).

However, the password may be stored in the ARS server 130.

While the present invention has been particularly shown and described with reference to exemplary embodiments thereof, it is clearly understood that the same is by way of illustration and example only and is not to be taken by way of limitation in the present invention. Various changes and modifications will be possible.

100: billing payment system 110: web server
120: main server 121: member management unit
121a: Member DB 122: Billing and Payment Management Department
123: transaction approval processing unit 130: ARS server

Claims (41)

A web server providing a billing payment service web page accessible to the user via the Internet, and receiving member information including a bank account number and a mobile phone number from the user and performing a member registration procedure;
Receives and stores the user's member information from the web server, and manages the deposit and withdrawal and transfer of the service balance account, which is an account that can receive and withdraw funds from the bank account number and the bank account number, and the web server is a member. When the billing party receives the payer's mobile number and the billing request from the billing party, if the billing type is general billing, the billing message is transmitted to the billing party's phone number and the member billing message is sent from the billing party's phone. When the password is returned, the payment is transferred from the payer's service balance account to the biller's service balance account, or when only the member payment message is returned from the payer's mobile phone, the payment authorization request signal is transmitted to the following ARS server. If the payment approval confirmation signal or password is returned from the ARS server, the payment is made. Transfer the billing amount from the service balance account of the claimant to the service balance account of the claimant, and if the type of the billing request is an immediate claim, transmits a payment approval request signal to the ARS server without transmitting the billing history message; A main server transferring the billed amount when the payment approval confirmation signal or the password is received; And
When the payment approval request signal is transmitted from the main server, the password input ARS is transmitted to the payer's mobile phone number. When the password is returned from the payer's mobile phone, the payment approval confirmation signal is transmitted to the main server. Includes; ARS server for transmitting the returned password to the main server;
The service balance account, which is an account which can receive and withdraw funds from the bank account number, is created while the web server performs the membership registration procedure or is created by the main server after membership registration.
When the main server receives a non-member payment message from the payer's mobile phone after transmitting the billing history message, the main server sends a payment guide message through an external payment gateway service (PG Service) to the payer's mobile phone. Number, or the web page of the external electronic payment service is output to the payer's mobile phone, and after the external electronic payment service is terminated, the main server, the web server, or the ARS server Register the payer as a member by receiving and storing the password of the payee. When the main server or the web server registers the payer as a member, the payer's bank account number and the mobile phone number are not inputted separately. Bank account number entered in external electronic payment service and payer entered from the claimant Stores the mobile number of as a payer's membership information,
The password is input from the user when the web server performs the membership registration procedure and stored in advance in the main server or the ARS server, or the ARS server sends the password setting ARS to the user's mobile phone number and receives the password. The main server or the ARS server is stored in advance, and the main server determines whether the password returned from the payer's mobile phone or the ARS server matches the pre-stored password, and transfers the charge if it matches. The ARS server determines whether the password returned from the payer matches a previously stored password, and if so, transmits the payment approval confirmation signal to the main server.
The billing message is transmitted through an application (application) pre-installed on the payer's mobile phone.
When the billing history message is a short message service (SMS) message, the main server transmits a payment approval request signal to the ARS server when receiving a member payment approval message from the payer.
If the billing message is a short message service (SMS) message including link information of a HyperText Markup Language (HTML) web page, the main server receives a payment approval message from the payer through the HTML web page. The payment authorization request signal is transmitted to the ARS server, and when the payment approval message and password are returned from the payer through the HTML webpage, the charge is transferred.
If the billing history message is a mobile instant message or a Rich Communication Suite (RCS) message, the main server transfers the billing amount upon receiving a member payment approval message and a password from the payer, and approves the member payment from the payer. When the message is returned, the payment approval request signal is transmitted to the ARS server.
If the billing message is a mobile instant message or a Rich Communication Suite (RCS) message including link information of a HyperText Markup Language (HTML) web page, the main server receives a payment approval message from the payer through the HTML web page. When receiving a reply to the ARS server, the payment approval request signal is transmitted, and if the payment approval message and password is returned from the payer through the HTML web page, the billing payment system, characterized in that for transfer.
delete delete delete delete delete The method according to claim 1,
The password is billed payment system, characterized in that stored in the main server or the ARS server is encrypted one-way.
The method of claim 7, wherein
When the password is stored in the main server unidirectionally encrypted,
The main server,
And a one-way encryption of the password returned from the payer's mobile phone or the ARS server, and determining whether the password is matched with a previously stored encrypted password.
The method of claim 7, wherein
If the password is stored in the one-way encryption in the ARS server,
The ARS server,
And a one-way encryption of the password returned from the payer, determining whether to match the encrypted password stored in advance, and transmitting the payment approval confirmation signal to the main server if it matches.
The method of claim 7, wherein
When the password is stored in the main server unidirectionally encrypted,
The main server,
When the member payment message is returned from the payer's mobile phone, the payment approval request signal and the encrypted password are transmitted to the ARS server.
The ARS server,
One-way encryption of the password returned from the payer, determining whether the encrypted password received from the main server matches, and if it matches, sends the payment approval confirmation signal to the main server. system.
delete delete delete delete delete delete delete delete delete delete delete In the billing payment method performed by a billing payment system including a web server, a main server and an ARS server,
The web server receiving member information including a bank account number and a mobile phone number from a user through a billing payment service webpage and performing a member registration procedure;
Storing, by the main server, member information of a user from the web server;
Receiving, by the web server, a billing party's mobile phone number and billing request from a claimant who is a member;
When the type of the billing request is general billing, sending, by the main server, a billing history message to the payer's mobile phone number; When the member payment message and password are returned from the payer's mobile phone to the main server, the claimant's bank account number in the service balance account, which is an account where the main server can receive and withdraw funds from the payer's bank account number When the charge is transferred to the service balance account, which is an account that can receive and withdraw funds from the account, and the termination, or when only the member payment message is returned from the payer's mobile phone to the main server, the main server approves payment to the ARS server. Transmitting a request signal; The ARS server transmitting a password input ARS to the payer's mobile phone number; If the password is returned from the payer's mobile phone to the ARS server, the ARS server checks the password and transmits a payment approval confirmation signal to the main server or transmits the returned password; When the payment approval confirmation signal is transmitted to the main server, the main server transfers the charge amount from the payer's service balance account to the claimant's service balance account, or terminates, or if the password is transmitted to the main server, The server checks the password and transfers the billed amount from the payer's service balance account to the biller's service balance account and terminates.
Transmitting, by the main server, a payment approval request signal to the ARS server when the type of the payment request is an immediate request; The ARS server transmitting a password input ARS to the payer's mobile phone number; If the password is returned from the payer's mobile phone to the ARS server, the ARS server checks the password and transmits a payment approval confirmation signal to the main server or transmits the returned password; When the payment approval confirmation signal is transmitted to the main server, the main server receives and withdraws funds from the bank account number of the claimant in the service balance account, which is an account that can receive and withdraw funds from the payer's bank account number. After the charge is transferred to the service balance account, which is an account that can be used, or terminates, or when a password is transmitted to the main server, the main server checks the password and charges the service balance account of the claimant from the service balance account of the payer. Transferring and terminating the amount;
The service balance account, which is an account that can receive and withdraw funds from the bank account number, is created by the main server after the web server performs the membership registration procedure or after performing the above steps.
When the main server receives a non-member payment message from the payer's mobile phone after sending the billing history message, the main server guides the payment through the external electronic payment service to the payer's mobile phone number. Transmitting a payment guide message or outputting a web page of the external electronic payment service to the payer's mobile phone; and when the external electronic payment service is terminated, the main server and the web server. Alternatively, the ARS server receives and stores the payer's password and registers the payer as a member. The registering of the payer as a member may include a bank account account number and a mobile phone number of the payer. The bank account number and the claimant entered in the external electronic payment settlement service is not received separately. Save the phone number of the payer information received from members of the payer and
If the web server further comprises the step of receiving a password from the user in the step of registering the user, the main server receives the password from the web server and stores, or the ARS server is the web server or the If the main server or the ARS server receives the user's password after the step of registering the password from the main server, and the web server performs a membership registration process, the main server further comprises: Transmitting a password setting signal to the ARS server; Transmitting, by the ARS server, a password setting ARS to a user's mobile number; And when the password of the user is returned to the ARS server, storing the returned password by the main server or the ARS server.
The billing message is transmitted through an application (application) pre-installed on the payer's mobile phone.
If the billing history message is a short message service (SMS) message, the main server sends a payment approval request signal to the ARS server when receiving a member payment approval message from the payer,
If the billing message is a short message service (SMS) message including link information of a HyperText Markup Language (HTML) web page, the main server receives a payment approval message from the payer through the HTML web page. The payment authorization request signal is transmitted to the ARS server, and when the payment approval message and password are returned from the payer through the HTML webpage, the charge is transferred.
If the billing history message is a mobile instant message or a Rich Communication Suite (RCS) message, the main server transfers the billing amount upon receiving a member payment approval message and a password from the payer, and approves the member payment from the payer. When the message is returned, the payment approval request signal is transmitted to the ARS server.
If the billing message is a mobile instant message or a Rich Communication Suite (RCS) message including link information of a HyperText Markup Language (HTML) web page, the main server receives a payment approval message from the payer through the HTML web page. When receiving a reply to the ARS server sends a payment approval request signal, and if the payment approval message and password returned from the payer through the HTML web page, the billing payment method characterized in that the transfer. delete delete delete delete delete 23. The method of claim 22,
The main server or the ARS server stores the returned password by one-way encryption,
If the encrypted password is stored in the main server,
The main server unidirectionally encrypts the payer's mobile phone number or the password returned from the ARS server, and transfers the billed amount if the stored password is matched with each other in comparison. .
23. The method of claim 22,
The main server or the ARS server stores the returned password by one-way encryption,
If the encrypted password is stored in the main server,
The main server transmits an encrypted password to the ARS server, and the ARS server unidirectionally encrypts the password returned from the payer's mobile phone number and compares it with the encrypted password received from the main server to match each other. In the case of claim, characterized in that for transmitting the payment approval confirmation signal to the main server.
23. The method of claim 22,
The main server or the ARS server stores the returned password by one-way encryption,
If an encrypted password is stored in the ARS server,
The ARS server unidirectionally encrypts the password returned from the payer's mobile phone number, and compares the encrypted password with a pre-stored encrypted password to transmit the payment approval confirmation signal to the main server. payment method.

delete delete delete delete delete delete delete delete delete delete delete

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