KR20010000896A - System and method for billing for contents service over the internet - Google Patents

Abstract

PURPOSE: A method for making payments to internet contents services is provided to simplify the payment of charged internet contents services, to supply convenience and safety by enabling the user make payments without being restrained to time and place and minimizing the exposure of personal information. CONSTITUTION: A method for making payments to internet contents services is composed of registration, accumulation, usage, and payment. A user registers as a member of a web site operated by a payment server(S200). The registered user uses an ordinary wired telephone or a mobile communication device to connect to the ARS(Automatic Response System) and to accumulate a reserve fund(S210). The user connects to the web site, which is operated by a contents server, and selects the desired content desired to access(S220). Once the selection is made, the payment server receives the appropriate payment amount from the user's reserve fund and stores the related information in a user DB(S230). After the payment has been received, the selected contents are provided to the user's screen through the web page(S240). The communications company requests the user for a lump sum communication service fee from the reserve fund, receives the requested payment, and settles the reserved fund amount with the payment server operator and the contents usage fee with the contents provider(S250).

Description

System and method for billing for contents service over the internet}

The present invention relates to a payment system and method for a content service on the Internet. More specifically, when a user uses paid content provided on the Internet, the payment server causes the payment fee of the corresponding content in the reserves accumulated by the user through the ARS. The present invention relates to a payment system and a method for a content service, which is made by reducing the amount, and the telecommunication company bills the user at the time of billing the communication bill and settles the telecommunication company and the content provider.

The most common type of e-commerce on the Internet has been the payment of product sales in shopping malls. The amount of content provided on the Internet has increased not only because of trial and error and know-how in using the Internet, but also because of the higher quality. As demand for content increases, payment of content fees incurred in return for providing the content itself is also becoming a type of electronic commerce.

Traditionally, payment methods on the Internet were mainly used for electronic money, online bank transfer, and credit card.

Examples of the electronic money include VISA Cash, Cyber Coin, and E-CASH, but the utilization rate is low due to the hassle of purchase, and it is disadvantageous in terms of money operation because it is prepaid from the user's point of view. It also acts as another stumbling block.

There is a time limit that the online account transfer is possible only during the operation time of a financial institution or during a telebanking service time, and there is a problem in that additional costs such as the hassle of a separate transfer action and a remittance fee are generated.

The credit card has a problem that security risks for personal information such as credit card number and password leakage exist for the user, additional costs such as fees, etc. occur for the content provider and continuous development cost for the authentication technology. . In addition, there is a problem that payment for a small service or goods, such as less than 10,000 won is difficult.

The present invention has been made to solve the above problems, the object of the present invention is to facilitate a small payment service for paid content provided on the Internet, to enable payment regardless of time and place, Minimize your exposure to personal information to provide convenience and safety to your users.

1 is a block diagram showing the configuration of a system according to the present invention,

2 is a flow diagram illustrating one embodiment of a method according to the present invention;

2A is a flowchart for explaining in detail one step of FIG. 2;

FIG. 2B is a flowchart for explaining another step of FIG. 2 in detail;

3 is a diagram illustrating an example in which data is stored in a payment table according to the present invention.

<Description of Major Symbols in Drawing>

100 ... ARS, 110 ... User DB,

120 ... Payment Server 130 ... Content Server.

In order to achieve the above object, the present invention provides a payment system for a content service on the Internet, ARS which is a means for earning a deposit required for a user to make a payment in using paid content, cartoons, movies, games, A user DB including a content server that provides content such as sports through a web page, a user information table, a payment information table, and the like, and a payment server that makes payments through reserves stored in the user DB when a user requests a payment. Characterized in that.

On the other hand, the present invention provides a payment method for a content service on the Internet, the step of registering the user as a member, the user accumulating the necessary deposits for payment in using the paid content, the content server web Selecting the content that the user wants to use from the contents provided through the page, the payment server pays the content fee with the user's reserve when the user requests a payment, and the user receives the content through the web page. And calculating the communication service provider, the content provider, and the like.

Hereinafter, preferred embodiments of a payment system and method for a content service on the Internet according to the present invention will be described in detail with reference to the accompanying drawings.

1 shows a configuration of a system according to the present invention.

The user connects to the ARS (Automatic Response System, 100) through wired and mobile communication networks to accumulate reserves in the user DB 110, and accesses the web site operated by the content server 130 through the Internet to the content server 130. The content provided by) is provided.

The ARS 100 is a means for accumulating reserves required for payment when a user accesses a web site operated by the content server 130 and uses paid content provided by the content server 130. The user may connect to the ARS 100 using a regular wired telephone or a mobile communication terminal such as a cellular phone or a PCS.

The payment server 120 pays with the deposit stored in the user DB 110 when the user requests to use the paid content on the web page, and the user pays the content provided by the content server 130 through the web page. To be provided.

The user DB 110 is composed of a user information table, a location payment information table, and the like. The user information table includes an ID, a password, an e-mail address, a balance, and the like, and data is input when the user registers as a member of a web site operated by the payment server 120.

The payment information table includes an ID, a transaction date, a location classification (deposit, payment), a summary, a customer, a transaction amount, and a balance (reserved money). Figure 3 shows an example in which data is stored in the payment information table when the accumulation or payment is made. The ID 300 is an identification value of the user who requested the credit or payment, the transaction date 310 is the date and time when the credit or payment is made, and the location classification 320 is a transaction type such as deposit (establishment) or payment (payment). The brief 330 is an item describing an item about exceptional situation processing such as interest generation, the customer 340 is a content provider operating the content server 130, and the transaction amount 350 is used for the transaction. The amount accumulated or the payment amount of the content usage fee, and the balance 360 is a reserve remaining after the accumulation or payment.

The content server 130 provides various contents that a user can enjoy on the Internet. Examples of the content include cartoons, movies, music, games, and sports.

2 is an embodiment of the present invention implemented under the configuration as shown in FIG.

First, the user registers as a member of the web site operated by the payment server 120 (S200). When the user registers as a member directly on the website operated by the payment server 120, or when the user registers as a member on the website operated by the content server 130, the content server 130 registers as a member to the payment server 120. In any case, it will be possible to register as a member by sending the necessary data.

When registering as a member, it provides the convenience of the customer's registration process by inputting minimal data such as ID, password, and e-mail address. The ID uses the telephone number of the user's general landline telephone or mobile communication terminal as it is, so that the user connects to the ARS 100 through the terminal having the telephone number registered as the ID, and the ARS 100 determines the calling number of the user. In the case of automatically recognizing, the system recognizes the user even if the user does not operate separately, and stores the reserve in the user DB (110), characterized in that it facilitates the accumulation of the reserve.

As a next step, the user connects to the ARS 100 using a normal landline phone or a mobile communication terminal to earn a reserve (S210).

Next, the user accesses a web site operated by the content server 130 and selects content to be provided (S220). First, a specific web site may be selected from among a plurality of web sites providing content, and then a specific content may be selected within the selected web site.

When the user selects the content to be used, the payment server 120 pays the amount corresponding to the usage fee of the selected content in the reserves accumulated by the user and stores the related content in the user DB 110 (S230).

When the payment server 120 completes payment, the content server 130 provides the content selected by the user through a web page on the user's screen (S240).

Lastly, when the telecommunication company charges the user for the communication charges, the user accumulates the accumulated points, and after the telecommunications company collects the communication charges, the payment server 120 operator settles the reserve portion with the telecommunication company and corresponds to the content usage fee. The amount of the transaction to be settled with the content provider (S250).

2A is a flowchart illustrating S210 of FIG. 2 in detail.

First, the user makes a call to the ARS 100 that provides a reserve service using a general landline phone or a mobile communication terminal (S211). When the user connects the phone, the ARS 100 may recognize the calling number of the terminal used by the user. Therefore, it is preferable to use a landline telephone or a mobile communication terminal having a number that matches the ID used when registering as a member. .

The ARS 100 receiving the call reads the calling number of the terminal being used by the user (S212-10).

At this time, when the ARS 100 recognizes the caller ID of the terminal used by the user, the ARS 100 determines whether the user is a member by comparing the caller ID with the ID of the user DB 110 (S212-11).

If the user is a member as a result of determining whether the membership is carried out according to the guidance of the ARS (100) to accumulate the reserve (S213). An example of the announcement may include entering a password. The payment server 120 may be used as one method of activating the payment of the content usage fee through the reserve service by applying the deposit interest rate to the reserve for each period.

When the user's earning behavior occurs, the ARS (100) side stores the contents related to the reserves accumulated by the user in the user DB (110) (S214).

Finally, the user terminates the earning procedure for the reserve by releasing the connection with the ARS (100) (S215).

On the other hand, if the ARS (100) side does not recognize the calling number that the user is calling in S212-10, the user presses a button on the phone to enter the calling number to recognize the ARS (100) (S212-20) .

After the user inputs the calling number, the ARS 100 determines whether the user is a member by comparing the received calling number with the ID of the user DB 110 (S212-21). If the user is a member, steps S213 and below are performed, and if the user is not a member, the process ends (S215).

On the other hand, if the user is not a member in S212-11 by pressing the button on the phone to enter the password (S212-11-1).

Subsequently, the ARS 100 uses the automatically recognized calling number as an ID and stores it in the user DB 110 using the password entered by the user on the phone as member registration information (S212-11-2). Thereafter, step S213 is performed.

FIG. 2B is a detailed flowchart of S230 of FIG. 2.

First, in order to receive the selected content from the content server 130, the user requests a payment for the content usage fee on the web page (S231).

The payment server 120 receiving the payment request determines whether the user is a member (S232-10). The ID and password may be received and compared with the user DB 110. If the user is not a member, first, as a member (S200). Of course, the procedure can be terminated without registering as a member (S232-21).

As a result of determining whether the user is a member, when the user is a member, the payment server 120 compares the balance (the reserve) of the user DB 112 and the payment amount which is the fee for using the content selected by the user to determine whether the balance is larger (S232) -11).

If the balance is greater than the payment amount, the payment server 120 subtracts the payment amount from the balance (S233).

After subtracting the payment amount from the balance, the payment server 120 stores related contents such as the transaction amount and the balance in the user DB 110 (S234).

Finally, the payment server 120 approves the payment so that the user can be provided with the content (S235).

On the other hand, if the balance is less than the payment amount in S232-11, the payment server 120 calculates the user's usage history (S232-11-1). The usage performance includes the total number of times the user has been provided with the content in recent months or weeks, the total amount paid by the user in the last few months or weeks, and the creditworthiness.

The settlement server 120 compares the payment amount with the balance plus the credit limit determined based on the usage results (S232-11-2). The credit limit differs depending on the usage results. If the usage history is high, it is preferable to set the credit limit too high. An example of setting a credit limit is when the minimum usage record is 1 point and the highest usage record is 10 points, and the usage limit is 1 to 3 points and the credit limit is 3,000 won, and 4 to 6 points are 5,000 won and 7 points. In the case of 9 points, 8,000 won and 10 points may be 15,000 won.

If the payment amount is greater than the balance plus the credit limit, the payment server 120 rejects the payment and ends (S232-20, S232-21). Of course, the user can request a payment again after accumulating the amount of the content usage fee required for payment through the step S210.

If the balance plus the credit limit is greater than the settlement amount, the step S233 is performed.

According to the present invention, the user does not need to purchase a separate card in order to make a small payment for using the paid content on the Internet, and because the offline work is not required, payment is easy and payment is made regardless of time or place. By providing convenience and safety to the user.

Claims (6)

Registering a user as a member of a web site operated by a payment server; Accumulating reserves required for payment in order to use the paid contents by the user in the user DB; Selecting content which a user wants to use in a web page; The payment server making a payment with the reserve accumulated by the user who requested the payment; Receiving the content selected by the user through a web page from a content server; And Settling a Carrier, Content Provider, etc. Payment method for a content service on the Internet having a. The method of claim 1, In the step of accumulating reserves required for the user to make a payment in using the paid content, Payment method for content services on the Internet, characterized in that the user earns through the ARS. The method of claim 2, The ARS side automatically recognizes the calling party number of the terminal used by the user, and if the user is not a member, the user can enter the password on the phone and register as a member on the phone using the calling party ID recognized by the ARS side as the ID. Payment method for the content service on the Internet. The method of claim 1, In the step of payment by the payment server reserves earned by the user who requested the payment, If the balance stored in the user DB is smaller than the payment amount, the balance will be used based on the total number of times the user has been provided with the content in the last few months or weeks, the total payment amount and the credit amount paid by the user in the last few months or weeks. A payment method for a content service on the Internet, characterized in that the payment is calculated by adding the credit limit set by calculating the performance. The method of claim 1, The payment server is a payment method for the content service on the Internet, characterized in that to activate the payment of the content usage fee through the reserve service by applying the deposit interest rate to the reserve. ARS, which is a means for accumulating reserves required for payment by a user in using paid contents; A content server providing content such as cartoons, movies, games, sports, etc. through a web page; User information table consisting of ID, password, e-mail address, balance, etc. and a payment information table consisting of ID, transaction date, location classification (deposit, payment), summary, account, transaction amount, balance (deposit), etc. User DB; And Payment server that pays through deposits stored in user DB when user requests payment Payment system for content services on the Internet having a.