KR20000072427A - System and method for electronic transaction by automatic response system - Google Patents

Abstract

PURPOSE: An electronic payment method and system is provided to pay electronically the contents offered from an information service provider or the commodity purchase in an internet shopping mall by using an ARS(Automatic Response System) coin or a password via a pay ARS phone system. CONSTITUTION: An electronic payment method comprises steps of accessing a pay service site(S30), selecting an ARS coin as a payment tool after downloading contents or purchasing a product(S31), automatically connecting a home page of an ARS electronic payment management server(S32), the payment management server offering an explanation on an ARS coin exchange, and a plurality of ARS phone numbers(S33), dialing the ARS phone numbers(S34), receiving a password corresponding to the necessary ARS coin(S35), an ARS database storing the password and its related information(S36), the user inputting the password for a payment(S37), the pay service site requesting an authorization of the input password to the ARS electronic payment management server(S38) and proceeding the electronic commerce process or the pay contents provision if the password is authorized(S39).

Description

Electronic money payment system and method through ALS service {SYSTEM AND METHOD FOR ELECTRONIC TRANSACTION BY AUTOMATIC RESPONSE SYSTEM}

The present invention relates to an electronic money payment system and method, and more particularly, to an electronic money payment system and method for charging a payment in electronic commerce such as internet shopping or paid content.

A payment method through a credit card, debit card, or bank account is widely used as a payment method for e-commerce or paid content use on the Internet. However, the payment system according to the prior art has many inconveniences and technical problems to be applied to electronic commerce. That is, in the case of a credit card, adolescents who do not have income, or those who do not receive a credit card for other reasons may not be able to proceed with electronic commerce.

Moreover, in the case of small e-commerce, such as downloading music files, the use of credit cards is avoided for safety reasons. In particular, the purchase of a separate card with an encrypted number is necessary for fear of exposure to credit card information. Is also being introduced. In addition, the payment method through bank account payment takes at least an average of one day or more, so if the user wants to use it immediately, the user cannot use the service immediately, or visit the bank directly to deposit the bank account. , The need to use telebanking, PC banking, and the like.

In addition, in the case of an Internet site that provides paid contents while operating as a member system, since a separate payment system is operated independently, there is a problem of waste of manpower and cost. Accordingly, the above-mentioned problem of the electronic commerce payment method using a credit card according to the prior art is solved, and a new electronic money and payment operation method that can safely and securely pay a small amount of electronic commerce without time and place is provided. As a result, new payment means and systems suitable for increasing electronic commerce, such as software purchase through the Internet, text data and multimedia data purchase, and paid content usage fees, are indispensable.

Accordingly, a first object of the present invention is to provide an electronic money system and a method of operating the electronic money in which the user can conveniently and safely use the electronic money in an electronic commerce environment.

The second object of the present invention is, in addition to the first object, the electronic device that can operate the site efficiently and at low cost without having to set up a separate system for the electronic payment site operators for electronic commerce or paid content providing site To provide a monetary system and operation method.

1 is a diagram showing the configuration of an ARS electronic money system according to the present invention;

Figure 2 illustrates one embodiment of a method of purchasing ARS coins in accordance with the present invention.

3 is a diagram illustrating an embodiment of performing an electronic commerce using an ARS coin according to the present invention.

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

100: paid content providing web server

110: Internet shopping mall

200: ARS Electronic Money Management Web Server

210: ARS Database Management Server

230: ARS database

250: ARS Phone System

300: Internet network

400: user

In order to achieve the above object, the present invention, when an Internet user accessing a website providing paid content selects ARS (Automatic Response System) payment, the ARS payment management operator according to the present invention moves to the homepage of the ARS payment method. If you call the 700-XXXX ARS phone system and receive a password corresponding to the ARS coin, you will be provided with paid content services, shopping malls, etc. It provides an electronic money payment technology that purchases online goods and pays for the goods.

Hereinafter, the ARS electronic money payment system and method according to the present invention will be described in detail with reference to FIGS. 1 to 3.

1 is a view showing the configuration of an ARS electronic money system according to the present invention. 1, an ARS telephone system 250, an ARS electronic money management web server 200, an ARS database management server (DBMS) 210, and an ARS database 230 are shown in accordance with the present invention. .

The user 400 may access an e-commerce site such as a web server 100 or an internet shopping mall 110 that provides paid content through the internet network 300, and the ARS coin described later as a payment method thereof. Can be used. In addition, the user 400 accesses the ARS telephone system 250 according to the present invention through the general telephone network 310 and makes a 700-XXXX call, and cyber money (for example, 2,000 won) corresponding to 700 pay phone charges. ) You can exchange a password (called 'ARS Coin' in the present invention) for writing the amount on the Internet.

The ARS telephone system according to the present invention is a preferred embodiment, by providing a plurality of ARS telephone numbers, and imposing different ARS telephone call charges on each ARS telephone number, thereby providing users with ARS coins having different monetary value units. Can be. According to a preferred embodiment of the present invention, an ARS coin (password) corresponding to a 1,000 won, 2,000 won, 5,000 won, 10,000 won ticket, etc. may be provided to a user in correspondence with a plurality of ARS phone numbers.

Meanwhile, the user can access the paid content providing site he / she wants with the ARS coin exchanged from the ARS telephone server system, that is, the password, and receive the necessary amount of contents service and pay the price. At this time, since the user can be provided with the content without having to subscribe to the paid content site, the burden of personal information leakage can be eliminated.

Moreover, among paid sites, especially when the payment amount is small, it solves the burden and burden of the Internet users due to the online remittance. After charging the user who has called the ARS telephone system 250 according to the present invention and charging the ARS coin, that is, the password, the given password information is stored in the ARS database 230.

Meanwhile, when an Internet user 400 accessing a specific site such as a paid content providing web server 100 or an internet shopping mall 110 enters an ARS coin or password as payment, the ARS is authenticated to verify whether the input password is valid. The electronic money management web server 200 is queried, and the ARS database management server (DBMS) 210 returns an authentication signal with reference to the stored ARS coin password.

2 is a diagram showing an embodiment of a method of purchasing an ARS coin according to the present invention. Referring to Fig. 2, when accessing an Internet site to enjoy paid content or purchasing a desired item, the ARS telephone system 700-XXXX according to the present invention is dialed to exchange ARS coins (step S20). . The ARS telephone system 250 according to the present invention imposes a contracted telephone fee on the user's account, and assigns a password as a corresponding ARS coin (cyber money) (step S21).

At this time, when the password is arbitrarily selected by the user and the password selected is not duplicated, the ARS telephone system 250 according to the present invention may allow this. Subsequently, the ARS telephone system 250 according to the present invention stores the password and additional information issued to the ARS database 230 (step S22). Then, the user can conveniently use the password (ARS coin) at the site that accepts it as a payment method.

3 is a diagram illustrating an embodiment of performing an electronic commerce using an ARS coin according to the present invention. Referring to Fig. 3, a user can access a specific paid site (step S30) to purchase an item or select an ARS coin as a means of paying a paid content fee (step S31).

At this time, if the user is preparing the ARS coin, the user can go to step S37 to complete the payment. If the user clicks the ARS coin payment selection menu when the ARS coin is not ready (step S31), the present invention A link is connected to the homepage of the ARS electronic money management web server 200 according to step S32.

According to a preferred embodiment of the present invention, the homepage of the ARS electronic money management web server 200 may include a web page containing information about the ARS coin exchange method, a currency exchange method, and a plurality of ARS phone numbers, and the like. It can be provided to the computer (step S33). Accordingly, the user 400 dials an ARS phone number that exchanges ARS coins for the amount he / she needs (step S34) and is given an ARS coin corresponding to the ARS phone charge, that is, a password (step S35). . At this time, the issued password and additional information are stored in the ARS database 230 (step S36).

On the other hand, the user 400 having exchanged the ARS coin inputs the password given for payment in the corresponding site (step S37). The web server (100, 101) that operates the website may request password authentication from the ARS electronic money management web server 200 according to the present invention through the Internet network in order to confirm the validity of the input ARS coin. (Step S38).

Subsequently, the ARS electronic money management web server 200 according to the present invention may instruct the ARS database management server (DBMS) 210 to search for the ARS database 230 to confirm authentication. On the other hand, when the authentication for the requested password is completed, the corresponding web site (100, 110) proceeds to the product purchase or content providing service to the user 400 (step S39).

As another embodiment of the present invention, instead of inputting the password granted for the payment to the site (step S37), the user 400 having exchanged the ARS coin, the ARS electronic money management web server 200 is When the corresponding password is input to the provided web page, the ARS electronic money management web server 200 may transmit the electronic money payment approval to the paid content web server 100 of the web site to which the Internet user accesses and receives the content. .

The above-described embodiments have proposed a model for performing a paid content or e-commerce payment settlement using ARS coins by exchanging ARS coins of fixed amount (1000 won, 2000 thousand won, 5,000 won, etc.) from the ARS server. However, as another embodiment according to the present invention, after the ARS server exchanges ARS coins as much as the user desires, the ARS server can accumulate them and continue to use them as content fees.

Hereinafter, another embodiment according to the present invention will be described in detail. That is, the user may access a specific paid site to purchase goods or select an ARS coin as a payment method for paid content usage fee.

At this time, if the user is preparing for ARS coin, the user can start using the content by entering his / her ARS coin password, and upon termination of the service, the money will be deducted from the user's account and only the remaining balance will be credited to the ARS coin. .

If the user clicks the ARS coin payment selection menu when the ARS coin is not ready, the user is linked to the homepage of the ARS electronic money management web server according to the present invention.

In a preferred embodiment according to the present invention, the homepage of the ARS electronic money management web server 200 provides a web page containing information on the ARS coin exchange method, a currency exchange method, and a plurality of ARS phone numbers to a user's computer. can do. Accordingly, the user 400 calls an ARS phone number that exchanges ARS coins as much as he / she needs, and exchanges ARS coins as much as he / she wants to receive a password. At this time, the ARS database 230 stores additional information such as the issued password and the exchange amount.

On the other hand, the user 400 having exchanged the ARS coin inputs the password given for payment in the corresponding site (step S37). The web server (100, 101) that operates the website may request password authentication from the ARS electronic money management web server 200 according to the present invention through the Internet network in order to confirm the validity of the input ARS coin. .

Subsequently, the ARS electronic money management web server 200 according to the present invention may instruct the ARS database management server (DBMS) 210 to search for the ARS database 230 to confirm authentication. On the other hand, when authentication for the requested password is completed, the web site (100, 110) will proceed to the product purchase or content providing service to the user (400).

Meanwhile, when the content providing service is completed, ARS coins corresponding to the provided service fee are deducted from the user's ARS coin password account, and new ARS coin balance information is stored in the ARS database 230 managed by the ARS database management server (DBMS) 210. Updated and saved.

At this time, as another embodiment of the present invention, the user 400 having exchanged the ARS coin is provided by the ARS electronic money management web server 200, instead of inputting a password granted for the payment to the corresponding site. When the corresponding password is entered in the web page, the ARS electronic money management web server 200 transmits the electronic money payment authorization to the paid content web server 100 of the website where the Internet user is going to access and provide the content, and use the amount as much as the amount used. It is possible to perform a service of deducting payment.

The foregoing has outlined rather broadly the features and technical advantages of the present invention to better understand the claims of the invention which will be described later. Additional features and advantages that make up the claims of the present invention will be described below. It should be appreciated by those skilled in the art that the conception and specific embodiments of the invention disclosed may be readily used as a basis for designing or modifying other structures for carrying out similar purposes to the invention.

In addition, the inventive concepts and embodiments disclosed herein may be used by those skilled in the art as a basis for modifying or designing other structures for carrying out the same purposes of the present invention. In addition, such modifications or altered equivalent structures by those skilled in the art may be variously changed, substituted, and changed without departing from the spirit or scope of the invention described in the claims.

As described above, the electronic money payment system and method according to the present invention is provided with the ARS coin through the ARS telephone to use the paid content or pay for the goods, so that even a small payment is convenient for the youth or those who are unwilling to use the credit card It provides a low cost electronic money payment model that enables.

In addition, the present invention can reduce unnecessary costs, and can use the site as necessary, while providing an opportunity to access the content information of the site without omitting the personal information exposure procedure called the membership registration procedure. .

Claims (8)

In the method of making a payment on the Internet, The payer calling the ARS telephone system and receiving a password corresponding to the cyber money of the selected amount; And The payer pays the price by accessing a specific site on the Internet and receiving a provision of content or an e-commerce service and inputting the password as the price. Electronic money payment method comprising a. In the method of paying for the use of paid content or e-commerce on the Internet, An internet user accessing a web site providing the paid contents or the e-commerce service, receiving a service, and selecting an ARS coin payment method as a payment method; The Internet user is connected to an ARS electronic money management web server linked to an ARS coin payment selection menu to acquire a method and ARS phone number information for purchasing an ARS coin from a web page provided by the ARS electronic money management web server. Receiving step; The Internet user calling an ARS telephone service using the ARS telephone number to purchase a selected ARS coin and receive a password corresponding thereto; And The Internet user pays the price by entering the password into the web page of the web site that provides the paid content or e-commerce service Electronic money payment method comprising a. The method of claim 2, wherein the step of obtaining the ARS phone number from the ARS electronic money management server, the ARS electronic money management web server provides a plurality of ARS phone numbers, and corresponding to each of the plurality of ARS phone numbers. Electronic money payment method, characterized in that paying different amounts of cyber money in ARS coins. The method of claim 2, wherein the electronic money settlement method The web server comprises the step of requesting the ARS electronic money management server to verify whether the password entered by the ARS coin input validity. In the method of paying for the use of paid content or e-commerce on the Internet, An internet user accessing a web site that provides the paid contents or the e-commerce service, receives a service, and selects an ARS coin payment method as a payment method; The Internet user is connected to an ARS electronic money management web server linked to an ARS coin payment selection menu to acquire a method and ARS phone number information for purchasing an ARS coin from a web page provided by the ARS electronic money management web server. Receiving step; The Internet user dials an ARS telephone service using the ARS telephone number, inputs his ID, purchases an ARS coin for a desired amount of money, and receives a corresponding password; And The Internet user making a payment by inputting the password into a web page of a web site that provides the paid contents or an e-commerce service; Managing, by the ARS electronic money management web server, the balance of the ARS coin of the Internet user to be updated and stored in an ARS database after the payment; Electronic money payment method comprising a. A web server that provides a paid content service or an e-commerce service on the Internet and receives a password corresponding to the ARS coin as the price thereof and performs payment; And An ARS telephone system server that grants a password corresponding to the ARS coin to an Internet user who has called for payment and charges an amount corresponding to the ARS coin to a telephone fee. Electronic money payment system comprising a. A web server providing the ARS coin payment means as one of a selection menu as a payment means for providing a paid content service or an e-commerce service on the Internet, and receiving payment for a password corresponding to the ARS coin; An ARS electronic money management web server providing an ARS telephone service information providing web page linked to the ARS coin payment menu and managing the ARS coin provided to the web server; An ARS telephone server that gives a password corresponding to the ARS coin to an Internet user who has called for payment and charges the telephone fee of the Internet user to the ARS coin. Electronic money payment system comprising a. In the method of paying for the use of paid content or e-commerce on the Internet, An internet user accessing a web site providing the paid contents or the e-commerce service, receiving a service, and selecting an ARS coin payment method as a payment method; The Internet user is connected to an ARS electronic money management web server linked to an ARS coin payment selection menu to acquire a method and ARS phone number information for purchasing an ARS coin from a web page provided by the ARS electronic money management web server. Receiving step; The Internet user calling an ARS telephone service using the ARS telephone number to purchase a selected ARS coin and receive a password corresponding thereto; And Inputting, by the Internet user, a password corresponding to the ARS coin into a web page of the ARS electronic money management web server; And The ARS electronic money management web server notifying the corresponding web server of the payment; Electronic money payment method comprising a.