KR20000037471A - bill-payment service method, and system for the same - Google Patents

Abstract

PURPOSE: A system and method for payment is provided so that all price payments can be performed through an existing payment line of a wireless communication network in an electronic commerce service and other internet services. CONSTITUTION: A specific client connects to a specific internet site through his/her wireless communication unit or internet connection unit(S10), and generates at least one buying event in the internet site(S20). The ID and secret number of the wireless communication unit inputted by the client in the buying event and the specific code information of the internet site provider are provided to a mobile communication service company where the client is registered(S50). The identity of the client is confirmed by using the ID and secret number(S60). The authentication for the buying event is requested to the client through the wireless communication unit(S70). When the buying event is authenticated, the internet site provider is discriminated by using the specific code information(S80). A price for the buying event is paid to the internet site provider after discrimination(S90). The mobile communication service company transmits the price payment results for each event to the client in a real time(S100).

Description

Bill-payment service method, and system for the same

The present invention relates to a communication service, and in particular, a payment service method for processing all payments through a conventional wireless communication network, including a small amount of a small transaction amount in an e-commerce service and other Internet services made through the Internet; It is about a system for him.

Today, many sites on the Internet include games, entertainment, movies, music, cartoons, graphics, education, employment, economics, business, media, research, life, shopping, meetings, communications, fortune-telling, lottery, and adult information. Electronic money is used to purchase digital contents.

The concept of money so far has been banknotes, coins, and checks, but with the opening of the digital age, a new concept of electronic money has emerged.

In particular, with the widespread use of electronic commerce through the Internet, various forms of cyber money, which are used only on the Internet, are attracting attention as electronic money. Currently, electronic money is used according to the payment method. Short for IC) It is divided into card type (hardware type) and network type (software type).

The IC card type is an off-line type in which a predetermined amount is pre-charged and used in a plastic card (eg, a smart card) in which an IC chip is embedded. This IC card type has the same concept as a prepaid card, and unlike credit cards, it is particularly useful as a micropayment method because there are few card fees.

In the network type, when a predetermined amount is deposited in advance with an affiliated bank, software such as an electronic wallet corresponding to the amount is downloaded to the user's computer, and the electronic wallet is used to pay for transactions made through the Internet.

In addition, there is a trade-off of purchasing a prepaid card offline and entering a unique number engraved on the back of the card on-line to pay the transaction price. Can also be said to belong to a kind of electronic money.

These electronic currencies provide payment purchase solutions to Internet service providers including contents providers as well as general users.

The advantage of the electronic money is that unlike a credit card or debit card, you do not have to get permission to use it every time you make a payment. It is also advantageous in that it can be easily used by minors who cannot get a credit card.

In addition, payment through electronic money is provided as a more effective payment method for Internet service providers (content providers) who are having difficulties due to account receivables due to Jiro payment or late payment of service fees. Is being provided.

However, in order for the electronic money to be activated more, the unification of the different standards and the unification method of use must be made for each electronic money developer. This is because electronic money should have international utility rather than local utility. In other words, current electronic money is not standardized around the world, so the incompatibility of each electronic money is a big barrier. For example, you cannot use Company A's electronic money at Merchant B. In addition, the electronic currency used in State C crosses the border and the State of D does not use different standards of money. Therefore, at present, there is a problem that the spread of electronic money is bound to be limited.

Individually, in the case of IC card type electronic money, a large amount of capital is initially required, such as a card reader installed at each affiliate store. In the case of network type electronic money, an open network such as the Internet is used. Security issues are key because they are used for payment.

Although a compromise was developed to compensate for the shortcomings of the existing electronic money, the user also pays for the transaction by purchasing a prepaid card offline and entering the unique number engraved on the back of the card online. Gives its own inconvenience.

As such, electronic money is emerging as a utility, but there is still a problem to be solved as a payment method. Therefore, in the future, other safer and more convenient payment methods will be required instead of electronic money.

The object of the present invention has been devised in view of the above points, and in particular, secures all payments, including small payments, in small amount of transactions in e-commerce services and other Internet services made through the Internet away from the concept of electronic money. To provide a payment service method and a system therefor for processing through a payment line of an existing wireless communication network which has been verified at the international level.

A feature of the payment service method according to the present invention for achieving the above object is that a particular customer accesses a particular Internet site through at least one of a wireless communication means and an Internet access means provided therewith and at least one of the Internet sites. Generating the above purchase event; Providing identification numbers and passwords of the wireless communication means input by the customer in the generated purchase event and unique code information of the Internet site provider to the mobile communication service provider to which the customer is subscribed; Confirming the identity of the customer by the mobile communication service provider using the provided identification number and password, and requesting approval of the purchase event from the customer whose identity has been confirmed by the wireless communication means; As the purchase event is approved by the customer, the mobile communication service provider determines the Internet site provider using the provided unique code information, and pays for the purchase event to the determined Internet site provider. Making a payment; The mobile communication service provider comprises the step of transmitting the result of the payment for each purchase event in real time to the wireless communication means of the customer.

Preferably, after the purchase event generation step, the customer determines the payment method for the generated purchase event, and as the customer selects the call check payment method as the payment method, the Internet site operator Requesting the customer to enter an identification number and a password of the wireless communication means.

In addition, the payment result for each purchase event is stored in the database of the mobile communication service provider, the payment result for each purchase event is accumulated in the database on a monthly basis, and the payment corresponding to the accumulated payment result It is included in the service charges issued by the mobile communication service provider and billed to the customer.

In the next purchase event generation step, the customer accesses the corresponding site of the digital content provider as the Internet site through a user computer or an Internet phone as an Internet access means, and selects at least one digital content from the site of the digital content provider. To request the desired digital content purchase. In this case, the purchase event occurs when the customer accesses the corresponding site of the e-commerce service provider as the Internet site through the user computer or the Internet phone, and selects at least one product from the e-commerce service provider's site to purchase the desired product. Is done by requesting

Next, the identification of the customer is performed in a security device provided in the mobile communication service company, and the security device checks whether the identification number of the provided wireless communication means is an identification number subscribed to the mobile communication service company, It is then checked whether the provided password matches the password corresponding to the identified identification number.

Next, the Internet site operator is determined by a security device provided in the mobile communication service company. The security device uses a business registration number and an Internet Protocol (IP) address as unique code information of the provided Internet site service provider. It is determined that you are the operator of the corresponding Internet site where the purchase event by the customer occurred.

Next, the mobile communication service company transmits the result of the payment for each purchase event to the wireless communication means of the customer through a text message service or a voice message service.

1 is a view showing the concept of a payment service according to the present invention.

2 is a view showing the configuration of a payment system according to the present invention.

3 is a flowchart showing a payment service procedure according to the present invention.

4 is a diagram illustrating a page format for inputting a wireless communication terminal number and a password of a customer during a payment service procedure of the present invention.

5 is a view showing a display format for processing a purchase approval request and an approval response to a customer during the payment service procedure of the present invention.

6 is a view showing an example of a monthly billing bill delivered to the customer every month during the payment service procedure according to the present invention.

* Description of the symbols for the main parts of the drawings *

10,20: user computer 11,21: wireless communication terminal

30: Internet Phone 40: Host Computer

50: mobile communication service bureau 51: payment device

52: security device 53: database

60: Financial settlement system

Hereinafter, a preferred embodiment of a payment service method and a system therefor according to the present invention will be described with reference to the accompanying drawings.

In the present invention, payment for various digital contents traded / purchased on the Internet is paid through a wireless communication network in which an international level security network and a computerized network are already established. To this end, various digital contents such as games, entertainment, movies, music, cartoons, graphics, education, employment, economy, business, media, research, life, shopping, meetings, communication, fortune telling, lotteries, and adult information Internet service providers (= internet site providers) are affiliated with mobile communication service providers.

In particular, the payment service method of the present invention is useful for payment in small units for paid content on the Internet, which is currently in the spotlight, and is also used for payment according to the purchase of goods in electronic commerce.

1 is a view showing the concept of a payment service according to the present invention.

Referring to FIG. 1, an Internet service provider (= Internet site provider) such as a content provider that provides various digital contents through the Internet or an e-commerce provider that provides a product transaction solution through the Internet in connection with a real manufacturer and the like (4) Has a host computer, and various customers 1 to 3 who want to purchase various digital contents or goods through the Internet site of the Internet service provider 4 have a wired connection with the host computer of the Internet service provider 4 (modem). Connection, LAN connection, etc.) or wireless connection.

In the present invention, the various customers 1 to 3 are already subscribed to the mobile communication service provided by the mobile communication service company 5, and thus the customers 1 to 3 are connected to the wireless communication terminal or the Internet phone. At least one wireless communication means and internet access means.

In addition, the mobile communication service company 5 of the present invention is provided with an apparatus for processing payment by event with the Internet service provider 4 and payment processing by period with the financial institution 6, and also by an Internet service provider. And a device for user authentication and service provider authentication required for payment by event with (4). In addition, the mobile communication service company (5) stores the user customer information provided when the various customers (1 to 3) when subscribing to the mobile communication service, and also pays the event-specific payment for the transaction with the Internet service provider (4). A database is stored for each customer.

In addition, the mobile communication service company 5 of the present invention requests the approval of the purchaser for the transaction between the Internet service provider 4 and the customers 1 to 3 from the customers 1 to 3 and receives an approval response. The purchase result payment is transmitted to the wireless communication terminal of each customer (1 to 3) in real time using a text message or a voice message, and the monthly billing invoice through the payment processing for each period with the financial institution (6) Send to 1-3.

In particular, the payment service of the present invention to be carried out in the mobile communication service management station so as not to affect the original wireless communication service of the mobile communication service company (5).

Hereinafter, the present invention will be described in more detail with reference to FIG. 1.

In FIG. 1, a host computer of an Internet service provider 4, such as a content provider or an e-commerce provider, has a web interface with a user computer of a plurality of customers 1-3. Accordingly, a web page is displayed to various customers 1 to 3 according to the web site access to the Internet service provider 4. Here, many customers 1 to 3 have a built-in web browser and use the web browser to access the web site of the Internet service provider 4.

Each customer 1 to 3 is connected to an Internet site by a modem connection, a LAN (Local Area Network) connection, or a wireless Internet connection using a wireless Internet protocol.

Each customer 1 to 3 purchases various digital contents of the digital content provider through the connected Internet site or, in the case of the site of the e-commerce service, the desired items (goods).

At this time, each customer 1 to 3 selects a payment method according to the act of purchasing, and only the case where the customers 1 to 3 select the payment method of the present invention will be described below. Of course, in the present invention, the Internet service provider 4 displays the payment method items that can be selected according to the purchase behavior on the web page. The items include Jiro payment, credit card payment, electronic wallet payment, and the like, and additionally, there is a calling check method, which is a payment method of the present invention. In this case, when the calling check payment method is used, the micro payment for the purchased goods is processed within the usage limit according to the customer's credit rating.

As the customers 1 to 3 select the calling check method as the payment method according to the purchase of digital content or the purchase of goods, the Internet service provider 4 prompts the customers 1 to 3 to input the wireless communication terminal number and password. Requests are made through pages in the format shown in. Here, the input of the password is for preventing the illegal use of third parties.

Thereafter, the Internet service provider 4 transfers the wireless communication terminal number and password provided from each customer 1 to 3 to the mobile communication service company 5, and also purchases the content purchase amount or the goods of the corresponding customers 1 to 3. Transfers the unique code information of the Internet service provider 4 itself, such as the amount, the service registration number of the Internet service provider 4, or the Internet Protocol (IP) address, to the mobile communication service company 5. The Internet Protocol (IP) address is, for example, a Uniform Resource Locator (URL) assigned to an Internet service provider.

Accordingly, the mobile communication service company 5 utilizes a database in which customer information has already been established, performs user authentication from the transmitted wireless communication terminal number and password, and confirms the identity of the customer. Herein, the wireless communication terminal number is a mobile subscriber identification number (MIN), and separately, an electronic serial number (ESN), which is a terminal identifier, may be used for user authentication instead of the wireless communication terminal number. You can also combine numbers.

Since the mobile communication service provider 5 confirms the successful identification of the customer, the mobile communication service provider 5 provides each customer with the display shown in FIG. 5 to request the customer's approval of the content purchase amount or the item purchase amount, and the customer is approved. Select the check box to inform or the cancellation column to inform the rejection and sends an approval response accordingly to the mobile communication service provider (5).

In addition, the mobile communication service company 5 performs a service provider authentication using various unique code information of the provided Internet service provider 4 as a positive approval response is transmitted from the customers 1 to 3, and the identity is described above. The Internet service provider 4 which has made a transaction with the confirmed customer is determined.

After the mobile service provider 5 successfully determines the above-mentioned Internet service provider 4, the mobile service provider 5 pays the Internet service provider 4 for the content purchase amount or the purchased product purchase amount, and the event. Each customer's payment history is stored in their database.

At the same time, the mobile communication service company 5 informs the corresponding customer of the details of the payment for each event. At this time, the payment result is notified to the customer in real time through a text message service or a voice message service. Accordingly, in the present invention, the customers 1 to 3 include an internet phone capable of wireless communication such as voice and data communication as well as an internet service, or basically include a wireless communication terminal capable of voice and data communication together with a user computer.

In particular, the most useful service for notifying a payment result through a text message service is a short message service (SMS).

Thereafter, the mobile telecommunication service provider 5 delivers the monthly billing invoice to the customers 1 to 3 including the calling check payment amount column as shown in FIG. 6, and the payment for the monthly billing is performed by the mobile telecommunication service provider ( 5) through the linkage with the financial institution, it is processed by the payment method (direct debit, credit card payment, giro payment, etc.) predetermined by the customers (1 ~ 3).

Hereinafter, with reference to the configuration of the payment system according to the present invention will be described in more detail.

2 is a view showing the configuration of a payment system according to the present invention.

In FIG. 2, customer 1 has a first user computer 10 and a first wireless communication terminal 11, and customer 2 has a second user computer 20 and a second wireless communication terminal 21. In addition, the customer 3 is provided with an Internet phone 30 for wirelessly accessing the Internet and receiving voice and data communication through a wireless Internet protocol.

In addition, the payment system of the present invention includes a host computer 40 provided by the Internet service provider 4 of FIG. 1, which host computer 40 is a number of customers to enable customers to purchase digital content or products To provide an Internet service provider's Internet site (transaction related sites such as a digital content provider site or an e-commerce service site) and a payment method for the purchase amount, the host computer 40 includes user computers (10) of various customers. 20 or the Internet phone 30, there is embedded software for web interface of the web page of the relevant Internet site. In addition, the host computer 40 is connected to the payment device 51 and the security device 52 provided in the mobile communication service management station 50 of the mobile communication service company, and the security device 52 when a purchase event by a customer occurs. ) Provides wireless communication terminal number, password, purchase price and at the same time provides unique code information such as service provider's business registration number and Internet Protocol (IP) address, etc., and payment device 51 to host computer 40 Process event-specific payment for purchases.

The database 53 of the mobile communication service management station 50 stores customer information provided at the time of initial subscription of each customer, and pays for each event for each purchase made between the payment device 51 and the host computer 40. Save the results for each customer.

The security device 52 of the mobile communication service management station 50 compares the wireless communication terminal number and password received from the host computer 40 with customer information previously stored in the database 53. That is, the security device 52 confirms that the wireless communication terminal number once transmitted from the host computer 40 is the terminal number subscribed to its service, and the password transmitted from the next host computer 40 is previously stored in the database 53. The user authentication is performed to confirm whether the service subscription matches the password corresponding to the confirmed terminal number.

Since the mobile communication service management station 50 successfully completes the user authentication, the mobile communication service management station 50 requests the wireless communication terminals 11, 21, and 30 to approve the purchase event for the generated purchase event. Transfer to the mobile communication service management station 50 through the display of.

The security device 52 then authenticates the service provider based on the unique code information of the Internet service provider such as the business registration number and the Internet Protocol (IP) address transmitted from the host computer 40. Through the service provider authentication, the security device 52 determines the Internet service provider that has made a transaction event with the customer, and if the Internet service provider is successfully determined, the identification information along with the user authentication result is settled. To provide.

Next, the payment device 51 of the mobile communication service management station 50 is provided with the successful determination information and the user authentication result from the security device 52, and the purchase approval response is provided from the wireless communication terminals 11, 21, 30. According to the customer's approval of the purchase price for each event delivered from the host computer 40 according to the payment process is performed.

At the same time, the mobile communication service management station 50 notifies the customer of the completed event-specific payment result in real time through a text message or a voice message, and at the same time, the payment device 51 stores the completed event-specific payment result in the database 53 for each customer. do. Here, if the payment system of the present invention notifies the customer of the result of the event-specific payment through the short message service (SMS), the notification content is created in the short message service center (SMS center) and notified to the customer.

Next, the mobile telecommunication service management station 50 accumulates the payment result for each customer stored in the database and transmits the information to the corresponding customer by writing the contents together in the monthly billing bill for the mobile communication service fee.

Then, the financial settlement system 60 pays the corresponding amount to the mobile communication service company according to the payment method determined in advance by the customer.

3 is a flowchart illustrating a payment service procedure according to the present invention, and the service procedure of the present invention will be described more clearly with reference to the concept and system configuration according to the present invention.

Referring to FIG. 3, the customer accesses an internet site through a web browser embedded in his or her computer or an internet phone (S10). That is, the customer accesses an Internet site of a content provider that provides various digital contents through a wired connection such as a modem connection or a LAN connection, or an internet site of an e-commerce provider that provides product transactions through the Internet (S10).

Accordingly, the web page of the Internet site is displayed on the user's computer or the Internet phone of the customer, and the customer selects the digital content to purchase from the displayed web page (S20). If the displayed web page is an e-commerce site, the purchase item is selected according to the purchase procedure of the site (S20).

As described above, when a purchase event by a customer occurs and a digital content or a product (a product) desired by the customer requests a purchase, the web page of the Internet site displays a Jiro payment, a credit card payment, an electronic wallet payment, or a calling check payment of the present invention. Payment method items such as are displayed. Thereafter, the host computers of each Internet site confirm whether the customer applies for the call check payment of the present invention (S30).

If the customer selects a payment method item other than the calling check payment method, the customer pays for the digital content or the product to be purchased according to the existing payment method.

However, if the customer selects the calling check payment, the host computer requests the customer to input user information, and the customer inputs the number and password of the wireless communication terminal possessed by the customer through the screen shown in FIG. S40).

Thereafter, the host computer of the Internet site transmits the purchase amount along with the input user information, and unique code information such as a registration number and an Internet protocol (IP) address of the operator operating the mobile communication service to the mobile communication service management station (S50).

Next, the security device of the mobile communication service management station confirms the customer's identity by comparing the customer information previously stored in its database at the time of initial subscription with the user information received from the host computer (S60). That is, it is checked whether the customer who requested the calling check payment is a customer who has subscribed to his service.

At this time, if it is confirmed that the customer who requested the call check payment is a customer who has already subscribed to the service, the mobile telecommunication service bureau requests the customer to approve the purchase of digital content or goods, and confirms whether the response to the request is positive (S70). ).

As the security device receives a positive acknowledgment from the customer, the security device requests the call check payment as described above based on the Internet service provider's unique code information such as the business registration number delivered from the host computer and the corresponding Internet protocol (IP) address. The Internet service provider having a transaction event with the customer is determined (S80).

Thereafter, the payment device receives the user authentication result and the operator identification information from the security device. If the transmitted information is valid, the payment device pays the event fee for the purchase to the corresponding Internet service provider and acquires a certain amount of fee (S90).

At the same time, the mobile telecommunication service management station notifies the real-time payment result of each event to the wireless communication terminal or Internet phone of the successfully authenticated customer (S100). In this case, a text message service or a voice message service is used, and the payment result for each event notified is stored in a database corresponding to the corresponding customer.

After that, the mobile telecommunications service bureau collects the billing result for each event according to the call check payment request and bills the customer. More specifically, the billing check payment amount is included in the monthly billing bill generated by the telecommunication service provider. It is billed to each corresponding customer by sending the added (S110).

Of course, customers can look up the billing details in advance through the Internet site operated by the mobile telecommunications service provider, and the mobile telecommunications service provider provides real-time notification of the payment result for each event as a text message service or voice message service, Monthly billing details of payments are also notified to the customer in real time through the text message service or the voice message service. In this case, it is not necessary to look up the billing details through the Internet site.

A financial institution (another example, may be a store designated by a telecommunications service provider) bills its monthly service provider to one of its pre-determined payment methods, such as direct debit, credit card payment or giro payments. Pay the amount (S120).

The payment service procedure of the present invention described above and a system therefor more reliably process the payment for the small transaction that is currently settled by electronic money, and also more reliably process the transaction price through electronic commerce.

As described above, by using the payment service method and the system therefor according to the present invention, it is possible to more safely and reliably process micropayments in digital content transactions and electronic commerce made on the Internet.

In addition, the present invention is because the payment is made through the payment line of the already internationally verified wireless communication network, there is no worry of financial damage. In addition, personal information that can be leaked from the Internet when purchasing each content or product is only a terminal number and a password, and even if a third party copies and uses the customer's information, authentication is performed on the security line of the wireless communication network. Information leakage concerns can be minimized.

In addition, in using the Internet service related to digital content purchase and purchase of goods, there is no need for separate membership registration to the Internet site, so anonymity is guaranteed on an open network such as the Internet, so that individuals such as name, address, telephone number, credit card number, etc. It is impossible to leak personal information related to personal information. Therefore, there is no risk of identity exposure or misuse of personal information.

Those skilled in the art will appreciate that various changes and modifications can be made without departing from the spirit of the present invention.

Therefore, the technical scope of the present invention should not be limited to the contents described in the embodiments, but should be defined by the claims.

Claims (10)

A specific customer accessing a specific internet site through at least one of wireless communication means and internet access means provided to the customer and generating at least one purchase event at the internet site; Providing identification numbers and passwords of the wireless communication means input by the customer in the generated purchase event and unique code information of the Internet site provider to the mobile communication service provider to which the customer is subscribed; Confirming the identity of the customer by the mobile communication service provider using the provided identification number and password, and requesting approval of the purchase event from the customer whose identity has been confirmed by the wireless communication means; As the purchase event is approved by the customer, the mobile communication service provider determines the Internet site provider using the provided unique code information, and pays for the purchase event to the determined Internet site provider. Making a payment; And the mobile communication service provider transmitting the result of the payment for each purchase event in real time to the wireless communication means of the customer. The method of claim 1, wherein after the purchase event generation step Determining, by the customer, a payment method for the generated purchase event; As the customer selects a call check payment method as the payment method, the Internet site provider further comprises the step of requesting the customer to enter the identification number and password of the wireless communication means billing service, characterized in that Way. The method of claim 1, wherein the payment result for each purchase event is stored in a database of the mobile communication service provider. 4. The customer of claim 3, wherein the payment result for each purchase event is accumulated in the database on a monthly basis, and the payment corresponding to the accumulated payment result is included in a service fee history issued by the mobile communication service provider. Billing service method, characterized in that for billing. The method of claim 1, wherein the purchasing event generating step comprises: the customer accessing the corresponding site of the digital content provider as the Internet site through a user computer or an Internet phone as the Internet access means, and at least one of the sites of the digital content provider. The payment service method comprising selecting a digital content of the request to purchase the desired digital content. The method of claim 5, wherein the purchase event occurs, the customer connects to the corresponding site of the e-commerce provider as the Internet site through the user computer or the Internet phone, and at least one product on the site of the e-commerce provider; The payment service method, characterized in that made by selecting the desired product purchase request. The method of claim 1, wherein the identification of the customer, The security device is implemented in a security device provided in the mobile communication service company, and the security device confirms that the identification number of the provided wireless communication means is an identification number subscribed to the mobile communication service company, and then the provided password is verified. The payment service method, characterized in that to check whether the password corresponding to the identification number. The method of claim 1, wherein the Internet site operator discrimination, The security device is provided in the mobile communication service company, and the security device generates a purchase event by the customer using a business registration number and an Internet Protocol (IP) address as unique code information of the provided Internet site provider. Payment service method characterized in that it is determined that the operator of the Internet site. The method of claim 1, wherein the mobile communication service provider transmits a result of the payment for each purchase event to a wireless communication means of the customer through a text message service or a voice message service. The Internet service provider of claim 1, wherein in the payment to the Internet site provider, the mobile communication service provider pays the Internet site provider for the generated purchase event with respect to the purchase event. A payment service method, characterized in that a fee is obtained.