KR102216107B1 - Management system and method of monthly automatic charge payment by mobile device - Google Patents

Abstract

The present invention is a failed customer information request unit that receives payment failure information from an affiliated store and requests payment information for a failed customer to the corresponding PG company, a change information request unit that requests information on the changed communication company of the failed customer as a number transfer manager, and fails. Monthly automatic payment management of a mobile communication terminal including a payment reservation notification unit that transmits payment reservation information to the customer's changed communication company, and a payment availability information transmission unit that transmits payment availability information to the affiliated store when a payment waiting notification is received from the communication company. System.
According to the present invention, even if the customer changes the mobile carrier during the monthly automatic payment, the customer can maintain the existing service benefits without performing inconvenient procedures such as authentication and re-subscription accordingly, and the content provider can continue to manage the changed customer information. As a result, you can secure long-term loyal customers by being able to continue marketing.

Description

Monthly automatic payment management system and monthly automatic payment method of mobile communication terminal {MANAGEMENT SYSTEM AND METHOD OF MONTHLY AUTOMATIC CHARGE PAYMENT BY MOBILE DEVICE}

The present invention relates to a monthly automatic payment management system for a mobile communication terminal, and more particularly, in order to receive predetermined content from a content provider server using a mobile communication terminal, processing according to customer authentication can be performed during automatic monthly payment. It relates to a monthly automatic payment management system for a mobile communication terminal.

With the development of Internet and mobile communication technology, contents providers (CP) that provide various contents such as music, education, and movies are providing micropayment services through mobile communication terminals of customers. Mobile communication terminal micropayment is a type of payment method used in telecommunications billing service. Content providers (CP), payment agents (PG: Payment Gateway), and mobile carriers participate in contracts between CP and PG and transfer with PG. According to the contract of the telecommunication company, when the user enters the mobile communication terminal number and makes payment, the service fee is added to the mobile communication company's usage fee and charged. PG is a method that performs the role of payment agency. In addition, a customer can use the monthly automatic payment, in which a predetermined payment amount is contracted and paid on a monthly basis in order to regularly use the content from the corresponding content provider. In the case of the above-mentioned monthly automatic payment, the customer is notified of the extension of the monthly automatic payment to the customer through a message or e-mail, but the customer does not request for cancellation of the monthly automatic payment, such as not being able to check the notification message, Contrary to the customer's will, the monthly automatic payment is made continuously, causing damage. Meanwhile, in order for the customer to cancel the monthly automatic payment application or change the payment information according to the change of the mobile communication company, the customer must visit the site operated by the corresponding content provider and apply for cancellation.

As a prior art related to the present invention, Korean Patent Publication No. 10-2013-0130346 discloses'a system and method for authenticating monthly automatic payment of a mobile communication terminal'. In the prior art, when a payment request signal is input from the content providing server, the payment agency server receives the mobile communication terminal number and mobile communication company information to be paid, and transmits the mobile communication terminal number to the mobile communication company server. Payment information receiving unit that checks whether the mobile communication terminal number is a paymentable number, and if the payment is applied for monthly automatic payment so that the payment is automatically paid monthly, whether the customer is a legitimate customer by receiving the authentication number and resident registration number transmitted to the mobile communication terminal. A terminal customer verification unit that checks, and when the application for monthly automatic payment is completed, the detailed information to be automatically paid on the specified date of the next month is transmitted to the mobile communication terminal, and the monthly automatic payment is inputted whether consent or not to extend the payment is received. It includes a payment confirmation unit.

However, the above prior art only discloses whether or not the monthly automatic payment is extended on the payment agency server. If the customer changes the mobile communication company during the monthly payment period of the content provider using the mobile communication terminal, the customer A technology for solving the inconvenience of visiting a provider's site and modifying payment information is not disclosed.

1. Korean Patent Application Publication No. 10-2013-0130346

The present invention was conceived to solve the above-described problem, and an object of the present invention is when the customer information is changed according to the change of the customer's mobile communication company in the state that the content provider applies for monthly automatic payment using a mobile communication terminal, To provide a monthly automatic payment management system and monthly automatic payment method for mobile communication terminals that allow customers to check customer information changes and make monthly automatic payments without the need for customers to change customer information through direct visits to the content provider site. will be.

In order to solve the above problem, the automatic monthly payment management system of a mobile communication terminal according to an embodiment of the present invention receives payment failure information from an affiliated store and requests payment information for a failed customer to the corresponding PG company. A change information request unit that requests information about the changed communication company of the failed customer as a mobile manager, a payment reservation notification unit that transmits payment reservation information to the changed communication company of the failed customer, and payment pending notification from the mobile service provider, payment available information It may include a payment available information transmission unit for transmitting to the affiliated store.

According to an aspect of an embodiment of the present invention, the change information request unit generates a verification key for confirming that the communication company of the failed customer has changed.

According to an aspect of an embodiment of the present invention, the payment reservation information includes PG information, payment information, and verification key, and the payment availability information includes PG information, changed communication company, transaction number, customer key, and verification key. It features.

According to an aspect of an embodiment of the present invention, the affiliate store is characterized in that the failed customer information is updated and managed by the changed communication company.

In another embodiment of the present invention, a method for managing automatic monthly payment of a mobile communication terminal includes the steps of receiving payment failure information including PG information, transaction number and customer key from an affiliated store, and requesting payment information for the failed customer from the corresponding PG company, The step of requesting information on the changed carrier of the failed customer by transmitting the carrier, mobile phone number, date of birth, gender and verification key of the failed customer to the number transfer manager, PG information, mobile phone number, date of birth, and gender of the failed customer to the changed carrier , The step of transmitting payment information and verification key including transaction amount and transaction number, and when receiving a payment waiting notification from the changed communication company, the merchant provides payment availability information including PG information, changed communication company, transaction number, customer key and verification key. It may include the step of transmitting.

According to the present invention as described above, when a customer changes customer information due to a change of a mobile communication company during the monthly automatic payment period, the customer does not need to change the customer information directly on the site of the corresponding content provider. Regardless of what they want, they can continue to use the content they want. In other words, even if the mobile carrier is changed during the monthly automatic payment, the customer can maintain the existing service benefits without performing inconvenient procedures such as authentication and re-subscription accordingly.

The content provider can automatically update customer information according to the change of mobile service provider while minimizing the cost of reducing sales and attracting additional customers because monthly automatic payment is made for the customer even if the customer has changed the mobile service provider. Accordingly, the content provider can continuously manage the changed customer information, thereby securing long-term loyal customers by being able to continue marketing.

Mobile carriers can be used to create new sales as they can provide convenience for monthly automatic payment customers according to their carrier change.

1 is a network configuration diagram of an automatic monthly payment management system of a mobile communication terminal according to an embodiment of the present invention.
2 is a block diagram of an automatic monthly payment management system of a mobile communication terminal according to an embodiment of the present invention.
3 to 5 are information flow charts illustrating a method for managing automatic monthly payment in a mobile communication terminal according to an embodiment of the present invention.

The detailed description below is merely an example and is merely illustrating an embodiment of the present invention. Further, the principles and concepts of the present invention are provided for the purpose of being most useful and easy to explain.

Accordingly, it is not intended to provide a detailed structure more than necessary for a basic understanding of the present invention, as well as various forms that can be implemented in the substance of the present invention by a person of ordinary skill in the art through the drawings.

Hereinafter, the configuration and operation of a preferred embodiment of the present invention will be described in detail with reference to the accompanying drawings.

1 is a network configuration diagram of an automatic monthly payment management system of a mobile communication terminal according to an embodiment of the present invention.

As shown in Figure 1, the monthly automatic payment management system 1000 is connected to the affiliated store 10, the PG company 20, the communication company 30 and the number transfer manager 40 and the network network 1, Data related to payment for products or contents purchased from affiliated stores may be mutually transmitted by the subscribed customer. The affiliate store 10, the PG company 20, the communication company 30, and the number transfer manager 40 are a web application server, a web application server capable of performing data communication for payment with the monthly automatic payment management system 1000 Or it can be understood as a web server.

The affiliated store 10 is a shopping mall operator or content provider (CP: Contents Provider) that provides products or content such as music, education, and movies to customers and provides micropayment services for mobile communication terminals for customers to purchase products or contents. I can.

PG (20) is an electronic payment agency that recruits and manages affiliated stores 10 in online transactions, provides payment services by performing authentication according to the payment request requested from the affiliated stores, and charges a certain amount of commission accordingly. You can get it from The PG company 20 may be Danal, Mobilians, INICIS, LG Dacom, Aldergate, or the like.

The communication service provider 30 may be a mobile communication service provider capable of adding and charging a payment amount according to a payment request to a communication charge of a customer according to a contract with a PG company.

The number transfer manager 40 performs a function of integrated management of number transfer information between carriers, and charges a predetermined fee when a customer requests to change the carrier or change the number from the monthly automatic payment management system 1000. And it is possible to provide other change information to the monthly automatic payment management system 1000 in response to the change information confirmation request. Number portability manager (40) It may be the Korea Telecommunications Businesses Association (KTOA).

The automatic monthly payment management system 1000 is a monthly automatic payment that is automatically charged to the customer's communication fee without the customer's request in the month when a customer applies for an installment payment or monthly payment when using products or contents provided by the affiliated store. Payment failure due to information change can be prevented. The change of the customer information may be a change of the customer's mobile phone number or a change of the mobile phone number. Hereinafter, the change of the customer information will be described by way of example of a change of mobile service provider due to number transfer, but the same can be understood when the mobile phone number is changed. .

Hereinafter, through FIGS. 2 to 5, payment failure due to the customer's change of carrier during the monthly automatic payment application is prevented, and successful payment is managed, and at the same time, the affiliated store automatically updates the changed customer information to enable continuous customer management. Explain the monthly automatic payment management system and method.

2 is a block diagram of an automatic monthly payment management system for a mobile communication terminal according to an embodiment of the present invention, and FIGS. 3 to 5 illustrate a monthly automatic payment management method for a mobile communication terminal according to an embodiment of the present invention. This is an information flow chart for explanation.

The automatic monthly payment management system 1000 includes a failed customer information request unit 100, a change information request unit 200, a payment reservation notification unit 300, and a payment availability information transmission unit 400.

The failed customer information may be generated through FIG. 3, and payment failure information due to customer authentication failure may be transmitted to the affiliate store 10 through the PG company 20. Referring to FIG. 3, when the affiliated store 10 requests a payment from a PG company using monthly automatic payment customer information (customer key) (S1), the monthly automatic payment customer's mobile operator is changed and a payment request to the mobile service provider before the change (S2) ), the monthly automatic payment fails because customer authentication cannot be performed (S3, S4).

Referring to FIG. 4, when the affiliate store 10 receives payment failure information from the PG company 20, it generates failed customer information including PG information, a transaction number, and a customer key, and generates a monthly automatic payment management system 1000. ) Can be transmitted (S5).

When the failed customer information is received from the affiliated store 10, the failed customer information request unit 100 uses the failed customer information including PG information, transaction number, and customer key to send the transaction number and customer to the corresponding PG company 20. It is possible to request payment information for the failed customer by transmitting the key (S6). Payment information may include a carrier, mobile phone number, date of birth, gender, payment amount, and transaction number. The PG company 20 searches for the failed customer information using the transaction number and customer key transmitted from the failed customer information request unit 100, and then retrieves the payment information including the carrier, mobile phone number, date of birth, and gender for the failed customer. It can be transmitted to the request unit 100 (S7).

The change information request unit 200 may generate a verification key for confirming that the communication company of the failed customer has changed using the payment information (communication company, mobile phone number, date of birth, and gender) received from the PG company. The verification key can be used for customer authentication by the communication company when a payment request is made to the changed communication company. The verification key is for encryption and authentication during electronic commerce and may be generated through a predetermined key generation algorithm. The verification key may also be understood as an electronic signature verification key corresponding to the digital signature generation key, but is not limited thereto, and when payment available information including the verification key is input to a changed communication company through a PG company, the changed communication company has advance payment reservation information. It can be used as a means for authenticating a customer by determining that it is matched with the stored verification key.

The change information request unit 200 transmits the change confirmation request information including the failed customer's carrier, mobile phone number, date of birth, gender, verification key, etc. to the number transfer manager (KTOA, 40) (S8), and the number transfer manager (KTOA , 40) may transmit the change information including the changed communication company to the change information request unit 200 according to the received change confirmation request information (S9). Therefore, the monthly payment management system 1000 can check the changed communication company for the failed customer.

The payment reservation notification unit 300 may transmit payment information including PG information, mobile phone number, date of birth, gender, transaction amount, and transaction number to the changed communication company of the failed customer and a verification key (S10). The changed communication company 30, which has received PG information, payment information, and verification key from the payment reservation notification unit 300, stores and manages them, and transmits the payment waiting status information to the payment reservation notification unit 300 (S11). .

When receiving a payment waiting notification from the changed communication company, the payment available information transmission unit 400 may transmit payment available information including PG information, changed communication company, transaction number, customer key, and verification key to the affiliated store (S12). Therefore, the automatic monthly payment management system 1000 can implement a standby state in which information on the changed communication company during monthly payment can be confirmed from the number transfer manager (KTOA, 40) and payment between the changed communication company and the affiliated store can be successfully made. Meanwhile, the affiliate store 10 that has received the payment availability information from the payment availability information transmission unit 400 may update and manage the failed customer information with the changed communication company. Through this, the affiliated store 10 is a loyal long-term customer by updating the customer change information even if the customer does not directly modify the customer information by visiting the affiliated store site to change the telecommunications company. Can be secured.

5, the affiliated store 10 transmits the changed communication company, transaction number, customer key, and verification key to the PG company 20 using the payment availability information transmitted from the monthly payment management system 1000 to make payment. Can be requested (S13). The PG company 20 transmits the payment information and verification key to the changed communication company (S14), and the telecommunications company 30 stores and manages the payment information and verification key in advance, and the payment information received from the PG company 20 and After checking whether the verification keys match, the payment completion information may be transmitted to the PG company 20 (S15). The PG company 20, which has received the payment completion information, transmits the payment completion information including the new customer key to the affiliated store 10 (S16), so that even when the monthly automatic payment customer's carrier is changed, the PG company 20 can proceed with safe and continuous payment. . The affiliate store 10 receiving the new customer key stores, manages (updates) it, and transmits the new customer key to the PG company 20 at the time of regular payment next month, so that the PG company 20 makes a payment request to the changed communication company. By proceeding, continuous periodic payment is possible.

In the above, the present invention has been described in detail through exemplary embodiments, but those of ordinary skill in the art to which the present invention pertains have found that various modifications can be made to the above-described embodiments without departing from the scope of the present invention. I will understand.

Therefore, the scope of the present invention is limited to the described embodiments and should not be determined, and should not be determined by the claims to be described later, but also by those equivalents to the claims.

10: Affiliate 20: PG
30: carrier 40: number transfer manager
100: failed customer information request unit 200: change information request unit
300: payment reservation notification unit 400: payment availability information transmission unit
1000: management system

Claims (8)

In the monthly automatic payment management system for performing monthly automatic payment of the content being used by the customer using a customer's mobile communication terminal,
A failure customer information request unit for requesting and receiving payment information of the customer who failed the monthly automatic payment from a PG company when payment failure information is received from an affiliated store that has failed the automatic monthly payment of the content according to the change of the customer's telecommunication company;
A change information request unit for generating a verification key of the customer and requesting and receiving information on the changed communication company of the customer from a number transfer manager;
Payment reservation in which the verification key and the customer's payment information are transmitted to the changed communication company, and the monthly automatic payment of the content is reserved with the changed communication company, and a payment waiting notification for the monthly automatic payment of the content is received from the changed communication company. Notification department; And
In the case of receiving the payment waiting notification, comprising a payment available information transmission unit for transmitting the payment available information including the verification key and the changed communication company information to the affiliated store,
The PG company receives a request for payment of the changed communication company information, the verification key, and the content including the payment information from the affiliate store using the payment available information, and transmits the verification key and the payment information to the changed communication company. To request automatic monthly payment for the above contents,
The changed communication company verifies the verification key and payment information received from the PG company, and if the verification succeeds, it transmits the payment completion information to the PG company after completing the monthly automatic payment of the content,
The changed carrier,
After storing the verification key received from the payment reservation notification unit and the customer's payment information, it is checked whether the verification key and payment information received from the PG company matches the stored verification key and payment information, and the Monthly automatic payment management system, characterized in that to perform verification. The method of claim 1,
The change information request unit,
The verification key and the information of the customer extracted from the payment information are transmitted to the number transfer manager, and the information on the changed communication company of the customer and the verification key verified based on the customer's information from the number transfer manager Monthly automatic payment management system, characterized in that receiving. The method of claim 1,
The failed customer information request unit,
The payment failure information including the PG company information, the transaction number, and the customer key is received from the affiliated store, and the transaction number and the customer key are transmitted to the PG company corresponding to the information of the PG company to fail the monthly automatic payment. Request the customer's payment information,
The PG company,
Upon receiving payment completion information from the changed communication company, a new customer key for the customer is generated, the new customer key is transmitted to the affiliated store, and a payment request including the new customer key is received from the affiliated store. Automatic monthly payment management system, characterized in that processing a payment request to the changed communication company. delete As a monthly automatic payment method for performing monthly automatic payment of the content being used by the customer using a customer's mobile communication terminal,
Step of requesting and receiving payment information of the customer who failed the monthly automatic payment from a PG company when the automatic monthly payment management system receives payment failure information from an affiliated store that has failed the automatic monthly payment of the content due to the change of the customer's telecommunication company. ;
Generating, by the automatic monthly payment management system, a verification key of the customer and requesting and receiving information on the changed communication company of the customer from a number transfer manager;
The automatic monthly payment management system transmits the verification key and the customer's payment information to the changed communication company, reserves the monthly automatic payment of the content to the changed communication company, and provides the monthly automatic payment of the content from the changed communication company. Receiving a payment waiting notification;
Transmitting, by the automatic monthly payment management system, payment availability information including the verification key and information of the changed communication company to the affiliated store;
The PG company receives a request for payment of the changed communication company information, the verification key, and the content including the payment information from the affiliate store using the payment available information, and transmits the verification key and the payment information to the changed communication company. Transmitting an automatic monthly payment for the content; And
If the changed communication company verifies the verification key and the payment information received from the PG company, and if the verification is successful, after completing the monthly automatic payment of the content, transmitting the payment completion information to the PG company,
Receiving the payment waiting notification,
The changed communication company includes the step of storing the verification key received from the automatic monthly payment management system and payment information of the customer,
After completing the monthly automatic payment of the content, transmitting the payment completion information to the PG company,
And the changed communication company performs the verification by checking whether the verification key and payment information received from the PG company match the stored verification key and payment information. The method of claim 5,
The step of requesting and receiving information about the changed communication company of the customer from a number transfer manager,
The verification key and the information of the customer extracted from the payment information are transmitted to the number transfer manager, and the information on the changed communication company of the customer and the verification key verified based on the customer's information from the number transfer manager Monthly automatic payment method, characterized in that receiving. The method of claim 5,
The step of requesting and receiving payment information of the customer who has failed the automatic monthly payment to a PG company,
The payment failure information including the PG company information, the transaction number, and the customer key is received from the affiliated store, and the transaction number and the customer key are transmitted to the PG company corresponding to the information of the PG company to fail the monthly automatic payment. Request the customer's payment information,
The above monthly automatic payment method,
Generating a new customer key for the customer and transmitting the new customer key to the affiliated store when the PG company receives payment completion information from the changed communication company; And
And the PG company receiving a payment request including the new customer key from the affiliated store and proceeding with a payment request to the changed communication company. delete

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