KR101656317B1 - Method and system for providing micro payment service using phone bill card - Google Patents

Abstract

The present invention relates to a method and system for providing a micropayment service for performing a micropayment on a mobile basis using a phone card. A system for providing a micropayment service using a phone bill card according to the present invention is a system for requesting a payment gateway to charge a micropayment card of a phone card in response to a payment approval for a phone card used at the time of purchase, A card issuer server for charging a remaining amount of the card when the message is received and processing payment for the card; Receiving a charge request for charging a small amount payment from the credit card company server, transmitting an authentication request message including a user's mobile communication phone number to a mobile communication company server, and if the authentication result received from the mobile communication company server is an authentication success, The payment gateway transmitting the payment information; And a mobile communication company server for authenticating whether to approve the micropayment based on the mobile communication telephone number included in the authentication request message and transmitting the authentication result to the payment gateway.

Description

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a method and system for providing a micropayment service using a telephone card,

BACKGROUND OF THE INVENTION 1. Field of the Invention [0002] The present invention relates to a micropayment technology, and more particularly, to a micropayment service providing method and system for performing charging and payment in real time using a mobile phone card and mobile information.

Credit cards are becoming widespread, and users buy their products or services first using their credit cards, and then they pay for the goods or services at a later date. The following patent document discloses an apparatus and method for credit card payment processing.

On the other hand, the prepaid type card is started, and the users may purchase the goods or services using the prepaid card after charging the predetermined amount to the prepaid type card.

However, when the prepaid card exceeds the remaining amount of the charged amount, there is a problem that payment can not be performed. That is, when the amount of payment exceeds the remaining amount of the prepaid card, the user has to recharge the remaining amount of the prepaid card and then settle the cost of the corresponding product or service, which is a problem that causes troubles to the user have.

Korean Patent Publication No. 10-2011-0026183

SUMMARY OF THE INVENTION The present invention has been made in view of such conventional problems, and it is an object of the present invention to provide a method and system for providing a micropayment service using a mobile phone card in which a mobile phone is charged with a necessary amount of money, The purpose is to provide.

Other objects and advantages of the present invention will become apparent from the following description, and it will be understood by those skilled in the art that the present invention is not limited thereto. It will also be readily apparent that the objects and advantages of the invention may be realized and attained by means of the instrumentalities and combinations particularly pointed out in the appended claims.

According to a first aspect of the present invention, there is provided a system for providing a micropayment service using a telephone card according to the first aspect of the present invention, A credit card server for charging a remaining amount of the phone card and processing payment for the phone card when a charge approval message is received from the payment gateway; Receiving a charge request for charging a small amount payment from the credit card company server, transmitting an authentication request message including a user's mobile communication phone number to a mobile communication company server, and if the authentication result received from the mobile communication company server is an authentication success, The payment gateway transmitting the payment information; And a mobile communication company server for authenticating whether to approve the micropayment based on the mobile communication telephone number included in the authentication request message and transmitting the authentication result to the payment gateway.

According to a second aspect of the present invention, there is provided a method of providing a micropayment service using a PhoneVille card, the method comprising: receiving a payment approval for a PhoneVille card; The credit card company server requesting the payment card to charge the micropayment card with the payment card; The payment gateway transmitting an authentication request message including a user's mobile communication telephone number to a mobile communication company server; Authenticating whether the mobile communication company server approves charging for a micropayment charge based on the mobile communication telephone number included in the authentication request message; Transmitting, by the mobile communication company server, the authentication result of the micropayment charging to the payment gateway; Transmitting, by the payment gateway, a charge approval message to the credit card company server if the authentication result is successful; And charging the remainder of the phone card and accepting payment for the phone card when the card company server receives the charge approval message.

The present invention is characterized in that when a payment is made using a phone card, a fee corresponding to a necessary amount is charged to a phone card using a mobile-based micropayment, and a service or a commodity fee is paid using the charged money, There is an advantage of eliminating the inconvenience of having to charge the prepaid card one by one.

In addition, the present invention advantageously improves the simplicity of the micropayment and enhances the user's convenience by allowing the mobile-based micropayment to proceed when the user inputs the telephone card information without individually requesting the user's information.

In addition, the present invention confirms whether the mobile communication subscription information of the user is normal, the upper limit of the amount requested for payment, etc., and selectively controls the mobile-based micropayment so that the mobile-based payment proceeds indiscriminately There is an advantage to prevent.

BRIEF DESCRIPTION OF THE DRAWINGS The accompanying drawings, which are incorporated in and form a part of the specification, illustrate exemplary embodiments of the invention and, together with the description, serve to explain the principles of the invention. And shall not be construed as limited to such matters.
FIG. 1 is a diagram illustrating a configuration of a micropayment service system using a phone card according to an embodiment of the present invention. Referring to FIG.
2 is a flowchart illustrating a method of registering a mobile payment service based on a phone card according to an exemplary embodiment of the present invention.
3 is a flowchart illustrating a method for providing a micropayment service using a phone card in a micropayment service system according to an exemplary embodiment of the present invention.
4 is a flowchart illustrating a method of performing cost settlement in a micropayment service system according to an embodiment of the present invention.

The foregoing and other objects, features and advantages of the present invention will become more apparent from the following detailed description of the present invention when taken in conjunction with the accompanying drawings, in which: There will be. In the following description, well-known functions or constructions are not described in detail since they would obscure the invention in unnecessary detail. Hereinafter, a preferred embodiment of the present invention will be described in detail with reference to the accompanying drawings.

FIG. 1 is a diagram illustrating a configuration of a micropayment service system using a phone card according to an embodiment of the present invention. Referring to FIG.

1, the system for providing a micropayment service includes a phone bill card 10, an affiliate terminal 20, a user terminal 30, a credit card company server 40, a payment gateway 50 and a mobile communication company server 60. The user terminal 30, the merchant terminal 20, the card company server 40, the payment gateway 50 and the mobile communication company server 60 communicate with each other via the network 70. Here, the network 70 includes a wired Internet network and a mobile communication network, and corresponds to a well-known technology in the present invention, and therefore, a detailed description thereof will be omitted.

The phone card 10 is a prepaid type payment means for performing a mobile-based micropayment, and is different from a general cash-rechargeable prepaid card and proceeds with charging at the same time. In other words, the phone bill card 10 according to the present invention charges the remaining amount in real time based on the mobile micropayment amount by the amount required at the time of payment. On the other hand, the remaining amount of the phone card 10 may be charged by the user when necessary. The card voucher card 10 may be formed of a plastic material on which a validity period, a card serial number, a CVV, etc. are recorded. Preferably, the phone card includes a magnetic or IC chip having a serial number recorded therein. In addition, the phone card 10 may be installed in an application form in a user's mobile communication terminal.

The merchant terminal 20 is a terminal provided at an affiliate store, and has a card reader, and acquires the serial number of the phone card using the card reader. Also, the merchant terminal 20 transmits a payment approval request message including the serial number of the phone card and the payment approval amount to the card issuer server 40.

The user terminal 30 is a communication device carried by the user and proceeds with registration of the communication card 10 in cooperation with the payment gateway 50. [ The user terminal 30 is not limited as long as it is a device capable of communicating with the payment gateway 50 via the network 70, such as a desktop computer, a tablet computer, a notebook computer, a smart phone, or the like.

The card issuer server (40) is a server built by a credit card company and performs a function of processing a micropayment in cooperation with the payment gateway (50). The card company server 40 stores card information such as a remaining amount, a serial number, an expiration date, a CVV, a user's address, and a mobile communication telephone number of the card voucher 10 issued to the user. When the card issuer server 40 receives a request for registration of the cardholder card 10 from the user terminal 30, it checks whether the information received from the user terminal 30 matches the information stored in the cardholder card 10 And matches the information received from the payment gateway 50, it registers the user's phone card as a service allowance card. When the credit card company server 40 receives a payment approval for the phone card from the merchant terminal 20, the credit card company server 40 transmits a small payment charge request message including the identification information of the user to the payment gateway 50, The remaining charge for the phone card is charged and the payment for the phone card is finally approved using the remaining charge. On the other hand, the card issuer server 40 requests the payment gateway 50 to settle the cost for the card payment, and performs the cost settlement for the merchant when the payment settlement is completed at the payment gateway 50.

The payment gateway 50 is a device constructed by a service company acting as a proxy for a transaction with a financial institution, in particular, acting as a small payment service. The payment gateway 50 stores user information including user identification information and mobile communication information of a user. When the payment gateway 50 receives a request from the user terminal 30 for registration of the phone card, the payment gateway 50 authenticates whether or not the user is a service target user. In addition, in cooperation with the mobile communication company server 60, Authenticate whether or not it is a possible user. In addition, if the user is a service target user and the user is a mobile micropayment-enabled user, the payment gateway 50 generates user identification information and maps the user identification information to the mobile communication telephone number of the user.

When the payment gateway 50 receives a request for charging the microcredit payment from the card issuer server 40, the payment gateway 50 transmits an authentication request message including the mobile communication telephone number of the user to the mobile communication company server 60. In addition, the payment gateway 50 receives the authentication result from the mobile communication company server 60 in response to the authentication request message, and if the authentication result is successful, charges the charging fee for the card 10, Message to the card issuer server 40, and if the authentication result is not successful, transmits a charge disallowance message to the card company server 40. [ On the other hand, when the payment agent cycle comes, the payment gateway 50 requests the mobile agent server 60 for the payment agent to receive the payment, and the payment gateway 50 can receive the money generated by the payment agent 50 from the mobile communication company.

The mobile communication company server 60 is a server built by a mobile communication company and performs a function of confirming a mobile subscriber authentication and a status. The mobile communication company server 60 stores subscriber information including a mobile communication telephone number, whether or not to block a micropayment, a home address, a date of birth, a sex, a name, In particular, the mobile communication company server 60 provides the mobile communication subscription information of the user registering the mobile phone card 10 to the payment gateway 50. In addition, when the mobile communication company server 60 receives a request from the payment gateway 50 for authentication of a user using the phone card, it authenticates whether or not the user is a normal subscriber, and also checks whether the total amount of micropayments exceeds the threshold amount And transmits the authentication result to the payment gateway 50. [ Preferably, when the authentication is successful, the mobile communication company server 60 stores the data subjected to the micropayment processing and transmits a text message to the user's mobile communication terminal informing that the micropayment has been normally processed.

On the other hand, when the mobile communication company server 60 receives a payment request from the payment gateway 50, the billing server 50 generates a bill in which a small payment amount and a mobile communication fee are added to the bill and issues the bill to the user. In addition, when the charged cost is received from the user, the mobile communication company server 60 deposits the corresponding fee to the payment gateway company acting as a micropayment payment.

The operation of the micropayment service system of the present invention will be described in more detail with reference to FIGS. 2 to 4.

2 is a flowchart illustrating a method of registering a mobile payment service based on a phone card according to an exemplary embodiment of the present invention.

2, the user terminal 30 transmits a service registration request message including the serial number of the phone card 10, the user's date of birth or resident registration number, and the mobile communication telephone number to the payment gateway 50 (S201) . That is, the user receives the phone card 10 from the card company, receives the service registration request message including the serial number of the phone card 10, the date of birth or the resident registration number of the user, and the mobile communication phone number to the user terminal 30 And transmits it to the payment gateway 50.

Then, the payment gateway 50 verifies whether the user is a delinquent person or not based on the delinquent personality database held in itself, thereby authenticating whether the user requesting the service registration is a service target user (S203). When the payment gateway 50 authenticates that the user requesting the service registration is not a service target user, the payment gateway 50 transmits a message informing the user terminal 30 that the micro payment service using the phone card can not be used. On the other hand, if the user requesting registration of the service is authenticated as the service target user, the payment gateway 50 requests the mobile communication company server 60 for the mobile communication subscription information of the user (S205). At this time, the payment gateway 50 transmits the mobile communication telephone number of the user to the mobile communication company server 60. Meanwhile, the payment gateway 50 may request and receive a one time password (OTP) from the user terminal 30 and additionally authenticate the user based on the received one-time password. In this case, the payment gateway 50 ) Requests the user's mobile communication subscription information if the additional authentication succeeds.

Then, based on the mobile communication telephone number received from the payment gateway 50, the mobile communication company server 60 transmits information on whether or not the user is a user over the age of 19, Information about the owned terminal and information on whether or not the user has allowed the mobile-based micropayment to proceed. Subsequently, the mobile communication company server 60 transmits the subscriber information in which the plurality of confirmed information is recorded, to the payment gateway 50 (S207).

Next, the payment gateway 50 checks whether a mobile-based micropayment for the user is possible based on the mobile communication subscription information of the user received from the mobile communication company server 60 (S209). At this time, in the mobile communication subscription information of the user received from the mobile communication company server 60, the payment gateway 50 determines that the terminal having the mobile communication telephone number is a personal name, the user is at least 19 years old, If it is confirmed that the micropayment is allowed to proceed, it is confirmed that the mobile-based micropayment for the user is possible.

Then, the payment gateway 50 transmits a message informing the user terminal 30 that the micropayment service using the mobile card can not be used, if the mobile-based micropayment for the user is impossible. On the other hand, when it is confirmed that a mobile-based micropayment for the user is possible, the payment gateway 50 generates user identification information and transmits the user identification information and the data received from the user terminal 30 (i.e., date of birth, Communication phone number, phone card serial number, etc.) are mapped and stored (S211).

Then, the payment gateway 50 transmits a card registration request message including the mobile communication telephone number of the user, the user identification information, and the serial number of the card 10 to the card issuing server 40 (S213). Then, the card issuer server 40 extracts the serial number of the phone card 10 included in the card registration request message, and confirms the serial number and the card detailed information mapped from the data stored in itself.

Next, the card issuer server 40 requests the user terminal 30 to input the card detailed information including the serial number of the card, the CVV, the card valid period, and the password (S215) (S217). Next, the card issuer server 40 checks whether or not the card detailed information received from the user terminal 30 matches the card detailed information of the phone card 10 that is being stored (S219), and if not, To the user terminal 30 that the user can not perform the operation. On the other hand, if the card detailed information received from the user terminal 30 matches the card detailed information of the phone card 10 that is being stored, the card company server 40 registers the user's phone card 10 as a service allowance card And stores the user identification information received from the payment gateway 50 (S221). Preferably, when the card company server 40 permits the use of the user's phone card, the card company server 40 transmits a message to the user terminal 30 indicating that the phone card is normally registered.

3 is a flowchart illustrating a method for providing a micropayment service using a phone card in a micropayment service system according to an exemplary embodiment of the present invention.

Referring to FIG. 3, when the user purchases a specific item at the merchant or uses the service, the merchant terminal 20 acquires the serial number of the user's phone card 10 through the card reader (S301). In step S303, the merchant terminal 20 transmits a payment approval request message including the payment authorization amount corresponding to the goods cost or the service fee and the serial number of the acquired phone card to the card issuer server 40.

Then, based on the serial number of the card voucher card 10, the card issuer server 40 authenticates whether the corresponding card voucher card 10 is lost, suspended, or expired, and if the authentication succeeds, The user identification information corresponding to the number and the remaining amount of the phone card 10 are confirmed. Then, the card issuer server 40 determines whether or not the payment approval amount exceeds the confirmed remaining amount, and if not, the credit card company server 40 subtracts the payment approval amount from the balance amount of the phone card 10, And transmits a payment approval message to the merchant terminal 20 as well.

On the other hand, if the payment approval amount exceeds the above-described remaining amount, the credit card company server 40 confirms the difference between the payment approval amount and the remaining amount, and the difference is recorded as the micropayment cost, To the payment gateway 50 (S305). That is, the card company server 40 requests the payment gateway 50 to charge the small payment corresponding to the deficiency if the remaining amount of the phone card 10 is not enough compared with the payment approval fee. On the other hand, if no charge amount exists in the card voucher card 10, the card issuer server 40 transmits the micro settlement charge request message in which the payment approval amount is recorded as the micro settlement cost to the payment gateway 50.

Then, the payment gateway 50 confirms the user identification information in the micro payment settlement request message and extracts the mobile communication telephone number mapped with the user identification information. Next, the payment gateway 50 transmits an authentication request message including the mobile communication telephone number and the micropayment charge to the mobile communication company server 60 (S307).

Then, the mobile communication company server 60 authenticates whether the user performing the micropayment through the phone card is a normal subscriber based on the mobile communication telephone number included in the authentication request message (S309). At this time, the mobile communication company server 60 determines, based on the mobile communication telephone number, whether the mobile communication terminal owned by the user is a terminal that has been shut down, whether the user is a user who has permitted a micropayment, And verifies whether or not the mobile communication subscriber is a subscriber.

Next, the mobile communication company server 60 extracts the small payment amount from the authentication request message, and authenticates whether the total amount of the small amount payment of the user to be updated according to the small amount payment cost exceeds the predetermined threshold amount ( S311). That is, the mobile communication company server 60 confirms the total amount of the small payment used by the user based on the mobile communication telephone number, and when the sum of the small payment total amount and the small payment amount exceeds the predetermined threshold amount Or not.

Subsequently, the mobile communication company server 60 transmits the authentication result to the payment gateway 50 (S313). That is, the mobile communication company server 60 may be a mobile communication company server, a mobile communication company, a mobile communication company, a mobile communication company, a mobile communication company, And transmits an authentication failure message to the payment gateway 50 when the micropayment total amount exceeds the threshold amount. On the other hand, the mobile communication company server 60 determines whether the user is a mobile communication subscriber, the user's mobile communication terminal is continuously using a service, the user is a user who has accepted a micropayment, And transmits the authentication success message to the payment gateway 50 if the total amount of micropayments to be added is less than or equal to the threshold amount. Preferably, when the authentication is successful, the mobile communication company server 60 separately stores the micro settlement cost and the final result processed by the payment gateway 50, and also updates the micro payment total amount.

Next, if the authentication result received from the mobile communication company server 60 is an authentication success message, the payment gateway 50 transmits a charge approval message to the card company server 40 (S315) And stores the charged amount and user identification information as settlement object data.

Then, when receiving the charge approval message from the payment gateway 50, the card issuer server 40 adds the charged amount (that is, the micropayment charge) to the remaining amount of the phone card 10, The money is charged (S317). Then, the card issuer server 40 confirms the payment of the purchase of the charged card voucher 10 using the remaining amount of the charged card voucher 10, and transmits a card settlement approval message to the merchant terminal 20 (S319). At this time, the card company server 40 stores the settlement approved amount and the merchant terminal identification information as settlement object data, subtracts the settlement approved amount from the remaining amount of the card voucher 10, .

On the other hand, when the payment gateway 50 receives the authentication failure message from the mobile communication company server 60, the payment gateway 50 transmits a charging non-permission message to the card company server 40. Then, the card issuer server 40 disables the settlement of the card payment card, and transmits a message informing the merchant terminal 20 that the card settlement is not approved, thereby inducing the user to settle the settlement with another payment means.

4 is a flowchart illustrating a method of performing cost settlement in a micropayment service system according to an embodiment of the present invention.

Referring to FIG. 4, when the expense settlement cycle comes, the card issuer server 40 requests the payment gateway 50 for cost settlement (S401).

Then, the payment gateway 50 calculates the settlement cost to be paid to the card company based on the data recorded in the settlement target data being stored in itself, transfers the calculated settlement cost to the account of the card company, (S403, S405). In other words, the payment gateway 50 confirms one or more charged amounts from the settlement object data, calculates the sum of the charge amounts thus confirmed, and provides the charge to the card company. At this time, the payment gateway 50 can deduct a certain fee from the calculated settlement cost. Subsequently, when the payment of the settlement cost is completed, the payment gateway 50 transmits a settlement completion message to the card company server 40 (S407).

Then, the card issuer server 40 confirms the cost to be paid to the merchant based on the data to be settled and the settlement fee by the merchant, and transfers the confirmed cost to the account registered by each merchant to settle the payment for the merchant store (S409 ).

On the other hand, the payment gateway 50 can request the mobile communication company server 60 to make a payment request (S411).

In step S413, the mobile communication company server 60 generates a billing fee in which the communication fee and the micropayment charge are added based on the total micropayment cost for each subscriber being stored. At this time, the mobile communication company server 60 may generate a bill to which the micropayment use fee is additionally added to charge the micropayment use fee to the subscriber. Next, the mobile communication company server 60 sends the generated bill to the email address designated by the user or issues the bill to the home address of the user (S415).

Subsequently, when the user accepts the billing cost recorded in the bill, the mobile communication company server 60 deposits the billing cost to the account of the company that constructed the payment gateway 50 (S417). At this time, when the user accepts the billing cost, the mobile communication company server 60 pays the small amount of payment to the company that charged the micropayment charge. Next, the mobile communication company server 60 transmits the settlement completion message to the payment gateway 50 when the settlement of the small settlement cost is completed (S419).

Meanwhile, in the above-described embodiments, the phone card 10 is described as being used at an affiliated store. However, the present invention is not limited to this, and it is made clear that the phone card 10 can be used in an online market. That is, when the user purchases an article or service using the phone card 10 online, the card issuer server 10 confirms the payment approval including the serial number of the phone card 10 and the payment approval amount from the online market or online server A request message can be received. In this case, the card issuer server 40 may proceed to step S305 and subsequent steps of FIG. 3 to selectively approve the payment.

As described above, in the system for providing a micropayment service according to the present invention, when a payment is made using a phone card, a fee corresponding to a required amount is charged to a phone card using a mobile-based micropayment, By solving the service or commodity costs by using the money amount, the user does not need to charge the prepaid card every time. Further, the system for providing a micropayment service according to the present invention improves the simplicity of a micropayment by allowing a mobile-based micropayment to proceed when the user inputs the phone card information to the merchant terminal without requesting individual information of the user Enhance user's convenience.

While the specification contains many features, such features should not be construed as limiting the scope of the invention or the scope of the claims. In addition, the features described in the individual embodiments herein may be combined and implemented in a single embodiment. Conversely, various features described in the singular < Desc / Clms Page number 5 > embodiments herein may be implemented in various embodiments individually or in combination as appropriate.

Although the operations have been described in a particular order in the figures, it should be understood that such operations are performed in a particular order as shown, or that all described operations are performed to obtain a sequence of sequential orders, or a desired result . In certain circumstances, multitasking and parallel processing may be advantageous. It should also be understood that the division of various system components in the above embodiments does not require such distinction in all embodiments. The above-described program components and systems can generally be implemented as a single software product or as a package in multiple software products.

The method of the present invention as described above can be implemented by a program and stored in a computer-readable recording medium (CD-ROM, RAM, ROM, floppy disk, hard disk, magneto optical disk, etc.). Such a process can be easily carried out by those skilled in the art and will not be described in detail.

It will be apparent to those skilled in the art that various modifications and variations can be made in the present invention without departing from the spirit or scope of the invention. The present invention is not limited to the drawings.

10: Phone card 20: Merchant terminal
30: User terminal 40: Card issuer server
50: Payment gateway 60: Carrier server
70: Network

Claims (13)

A system for providing a micropayment service using a phone bill card,
Requesting the payment gateway to charge the micropayment card of the phone card upon receiving a payment approval for the used phone card used at the time of purchase and if the charge approval message is received from the payment gateway, charging the remaining amount of the phone card, A card issuer server for processing payment;
Receiving a charge request for charging a small amount payment from the credit card company server, transmitting an authentication request message including a user's mobile communication phone number to a mobile communication company server, and if the authentication result received from the mobile communication company server is an authentication success, The payment gateway transmitting the payment information; And
And a mobile communication company server for authenticating whether or not to approve the micropayment based on the mobile communication telephone number included in the authentication request message and transmitting the authentication result to the payment gateway,
The card company server,
If it is determined that the purchased cost exceeds the remaining amount of the phone card, and if the purchased cost exceeds the remaining amount of the phone card, a difference between the purchased cost and the remaining amount To the payment gateway, and when the charge approval message is received from the payment gateway, charges the money corresponding to the difference amount to the phone card. The method according to claim 1,
The mobile communication company server,
And authenticates whether the user who has been given the mobile communication telephone number is a user who has accepted a micropayment on a mobile basis. 3. The method of claim 2,
Wherein the mobile communication company server additionally authenticates whether the total amount of the micropayments of the user exceeds a predetermined threshold amount. delete 4. The method according to any one of claims 1 to 3,
The payment gateway receives a service registration request from the user and confirms whether or not the service registration is possible by confirming whether or not the user is a user who can make a micropayment on a mobile basis in cooperation with the mobile communication company server,
Wherein the card company server registers the phone card as a service target card when the payment gateway successfully authenticates the service registration of the user. 4. The method according to any one of claims 1 to 3,
The mobile communication company server,
And issues an invoice containing the fee and the communication fee, which are paid in a small amount, according to the charging of the phone card. 4. The method according to any one of claims 1 to 3,
The card company server obtains the serial number of the card card,
Wherein the payment gateway checks the mobile communication telephone number associated with the serial number of the phone card and transmits the authentication request message including the mobile communication telephone number to the mobile communication company server . A method for providing a micropayment service using a phone bill card,
Receiving, by the card issuer server, payment approval for the card payment;
The credit card company server requesting the payment card to charge the micropayment card with the payment card;
The payment gateway transmitting an authentication request message including a user's mobile communication telephone number to a mobile communication company server;
Authenticating whether the mobile communication company server approves charging for a micropayment charge based on the mobile communication telephone number included in the authentication request message;
Transmitting, by the mobile communication company server, the authentication result of the micropayment charging to the payment gateway;
Transmitting, by the payment gateway, a charge approval message to the credit card company server if the authentication result is successful; And
Charging the remainder of the phone card and accepting payment for the phone card when the card company server receives the charge acceptance message,
Wherein the step of requesting charging of the mobile payment of the mobile phone card comprises the steps of: the credit card company server determining whether or not the cost of the mobile phone card purchased using the mobile phone card exceeds a charged amount of the mobile phone card; When the cost is exceeded, requests the payment gateway to charge the amount corresponding to the difference between the purchased cost and the charged amount,
Wherein the approval of payment for the phone card is performed by charging the phone card with an amount corresponding to the difference when the credit card company server receives a charge approval message from the payment gateway. 9. The method of claim 8,
Wherein the authenticating comprises:
Wherein the mobile communication company server authenticates whether the user who has been given the mobile communication telephone number is a user who has accepted a micropayment on a mobile basis. 10. The method of claim 9,
Wherein the authenticating comprises:
Wherein the mobile communication company server further verifies whether the total amount of the micropayments of the user exceeds a predetermined threshold amount. delete 11. The method according to any one of claims 8 to 10,
Before the step of receiving the payment approval request,
Receiving, by the payment gateway, a service registration request from the user;
Authenticating whether the payment gateway is able to register a service by confirming whether the user is a user who authorized the mobile micropayment in cooperation with the mobile communication company server; And
Further comprising registering the phone card as a service target card when the card company server successfully authenticates the service registration of the user at the payment gateway. 11. The method according to any one of claims 8 to 10,
After approving the payment for the card,
Further comprising the step of the mobile communication company server issuing an invoice including a fee and a communication fee that are paid in a small amount in accordance with the charging of the phone card.

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