KR20010079182A - ARS omitted - Google Patents

Abstract

PURPOSE: A device and method for on-line payment and for cutting off illegal or abnormal user are provided to offer a unit for making a user who wishes to use charged contents being provided at on-line and off-line and to perform a payment regardless of time and places. CONSTITUTION: A user(S100) connects a web site(S110) selecting and managing an ARS paying system and performs a member registration(S120). If the user selects the ARS paying system(S130), the web site(S110) notifies a code number of the web site, a telephone of the ARS paying system, and using method of the ARS paying system and a cursor is positioned on a certification number input space(S140). If the user connects to the ARS paying system for using a charged contents and inputs a certification number, a decision table(S150) compares the certification number with a certification number transmitted from the ARS paying system. If the user is decided as a normal member, all sorts of contents are provided to the user.

Description

Online payment system and method using ARS and fraudulent and rogue user blocking device and method {omitted}

The present invention relates to a payment device and method using ARS and a method for blocking fraudulent users and bad credit, and more specifically, the user pays the cost through ARS when paying for various paid contents and shopping provided online or offline. The ARS payment system operator is provided with a method to make a payment, and the relevant telecommunications carrier bills and pays the user using the ARS payment system through the communication bill. The present invention relates to a payment system and a method which is made by performing final settlement with an online and offline provider adopting the ARS payment system.

In addition, users who want to make payments through ARS can search for and block users who are connected through the ARS test line, which is not allowed to be charged by regular arrears or IPs scattered throughout the country. The present invention relates to a system and a method for preventing the loss of an ARS payment system operator and an online or offline operator adopting the ARS payment system by preventing the identification number from being obtained.

The most common types of paid content provided online, e-commerce and off-line commerce were paid content use, product purchases, and payments. However, the most common online payment methods are electronic money, online bank transfer, and credit. Cards, mobile phone payments, etc. The main payment methods used offline were cash, online account transfer, and credit card payment.

The use of electronic money is low due to the hassle of purchase, and the user has to pay in advance, so not only is it disadvantageous in the operation of funds but also lacks recognition of electronic money and thus cannot be expanded.

The account transfer has the problems of limited time only during the operating hours of the financial institutions and the service hours of the telebanking and Internet banking, the hassle of having to carry out the transfer, and additional costs such as remittance fees.

The credit card has problems such as security risks for personal information such as card number and password leakage from the user's point of view, additional costs such as fees for operators, and ongoing development cost for authentication technology.

On the other hand, in the three-stage business system of the main telecommunication service provider, ARS payment system operator, content provider and shopping mall operator, the collection of payment amount through the ARS payment system is issued to the user by the relevant telecommunication company and after the collection, the ARS It takes about three months to settle the payment system provider, and after that, the ARS payment system operator must settle the contents provider and shopping mall operators, so the contents providers and shopping mall operators have difficulty in managing their funds. It is expected that the ARS payment system will be preferred due to the convenience and convenience, but bad users, ie, creditors who do not overdue or pay their bills frequently, do not overdue or pay the fees after using the ARS payment system. Test meetings held by ARS operators In case of telephone lines owned by special agencies such as departments, telecommunications carriers, and other supervisory agencies, they do not pay telecommunications fees and usage fees, so there is a possibility that they may be unauthorized and get certified, but there is no way to fundamentally prevent their use. If they enter the ARS payment system in a fraudulent manner and acquire a large amount of ARS payment verification number, which is the same as the currency, and then use various paid contents provided online or offline or shop the actual goods, the profits of contents providers and shopping mall operators, etc. Problems that make the structure more difficult could be expected.

The present invention has been devised to solve the above problems, and an object of the present invention is a means for enabling payment regardless of time or place for users who want to use paid contents and purchase goods provided online and offline. Provides convenience to the service by providing a, and provides safety to the user by minimizing the exposure to personal information.

In addition, in the ARS payment system, the caller identification code (Caller ID, hereinafter called CID) sent by the telecommunications carrier through the ring signal pause period is detected by the ARS payment system so that the credit card user is not charged or charged. It is intended to improve the profit structure of content providers and shopping mall operators by preventing them from receiving the same authentication number as real money by building a firewall that restricts the entry of illegal users using the telephone line.

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 100..User DB,

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

The present invention for achieving the above object is a user (S123) has a specific number using a wired, wireless telephone, etc. as a payment method for various services such as providing information online or offline or purchase goods, services, as shown in FIG. In using the ARS payment system 10, when the user S123 calls a specific ARS payment system 10 for payment, the operator T100 of the corresponding telecommunication service provider calls the call of the user S123 which is the calling party. Ring Signal is sent to connect to ARS number.

At this time, the ARS payment system 10 is a CID receiving means (S100) for receiving the CID signal between the ring signal and the ring signal sent from the exchange (T100), the source number detection means for detecting the received CID (S200), received Defective information table (S300) for comparing the credit or illegal users with the CID or the resident registration number received, bad and illegal users forced cutting means (S400) for forcibly cutting the bad or illegal users, only good users passed without abnormalities Characterized in that the server comprises a payment information transmission means (S600) for providing the authentication number payment means (S500) to pay, the authentication number and the user information paid to the online or offline information providers or shops.

In addition, the eradication means, such as forcibly cutting the bad credit or fraudulent users during the above process has another feature of mounting the exchange facility of the telecommunications carrier.

Hereinafter, embodiments of the "online payment system and method using ARS according to the present invention and a bad access blocker and method" will be described in detail with reference to the accompanying drawings.

FIG. 2 is an embodiment of the present invention implemented for providing paid content online under the configuration as shown in FIG. 1.

First, an example of using the paid content online according to the present invention will be described. A user S100 accesses a web site S110 operated by adopting an ARS payment system, and then registers a member S120. In the registration stage of the member, after agreeing to the user agreement, enter his name, social security number, address, and telephone number.

After notifying the user fee such as subscription fee, information unit, file unit, time and period unit, and the user selects ARS payment (S130) among credit card, mobile phone payment, and ARS payment, the code number of the web site and ARS payment ARS payment system 10 together with the system phone number to inform the user in a way that is easy to understand and the cursor is located in the authentication number input box (S140).

At this time, if the user who wants to provide the paid content accesses the ARS payment system 10 and inputs the authentication number given through the authentication procedure, the authentication number determination table S150 is the authentication number and the user transmitted from the ARS payment system 10. After checking the information (resident registration number) and the verification number entered by the user, there is no problem. Only when it is found, the user is provided with various contents, and the user is provided with paid contents according to the terms and conditions already agreed to.

3 is an embodiment of the present invention implemented for the sale of goods in an online shopping mall under the configuration as shown in FIG.

First, an example of using the product purchase in the online shopping mall according to the present invention, the buyer (S200) is a member registration (S220) after accessing the web site (S210) operating by adopting the ARS payment system. In the registration stage of the member, after agreeing to the user agreement, enter his name, social security number, address, and telephone number.

After that, the buyer searches for various products, selects a product to purchase, and inputs a purchase quantity, the operator notifies the price of the product, and when the buyer selects ARS payment (S230) among credit card, mobile payment, and ARS payment, the operator (Web Site) code number, ARS payment system telephone number and the ARS payment system (10) how to use the picture to understand the buyer to understand easily and the cursor is located in the authentication number input box (S240).

At this time, when the buyer accesses the ARS payment system 10 and inputs the authentication number received through the authentication procedure, the authentication number determination table S260 displays the authentication number and the buyer information (resident registration number) transmitted from the ARS payment system 10. Only when it is confirmed that there is nothing wrong with the verification number entered by the buyer, the buyer is notified that the payment is completed, the product is shipped, and the buyer receives the goods.

FIG. 4 is an embodiment of the present invention implemented to receive a product through a ARS payment and a service service through an ARS payment in an offline store and a service company employing the ARS payment system 10 under the configuration as shown in FIG. 1.

First, a customer (S300) who wants to receive a product purchase or service service in an offline shopping mall adopting the ARS payment system 10 is connected to the ARS payment system 10 with his mobile phone for payment and has his / her social security number, product and By entering the service provider code number and service amount provided with the service service, the mobile phone and the receiving device (S310) of the operator already registered with the offline operator code number, etc. will be sent out the authentication code such as voice and text operators (S320) Complete the payment process.

At this time, the operator (S320) terminates the normal transaction with the customer by receiving the customer's information together with the authentication number such as voice, text, etc. by the mobile phone and the reception device (S321) designated by the user.

5 is an embodiment of the present invention implemented for the authentication procedure and the method for eradicating bad and fraudulent users in the ARS payment system 10 in FIGS. 1, 2, 3, and 4.

When the user (S123) who wants to obtain an authentication number calls the ARS payment system 10 using a wired telephone or a mobile phone, the CID receiving unit (S100) stops between the ring signal and the ring signal from the calling carrier. After receiving the CID transmitted by FSK (Frequency Shift Keying) method through the period, send it to the calling number detection unit (S200) to detect the caller information (calling party's phone number, name, call request date and time), The illegal user extracting unit S211 is compared with the information stored in the defect information table S300.

At the same time, the call response unit S221 responds to the call of the user S123 and determines whether to proceed according to the result sent from the bad and illegal user extraction unit S211.

In the fraudulent user extracting unit (S211), a telecommunications operator having a test telephone line having a calling number starting with 1 or 8 digits (IXXXXXX), a telephone number of a delinquent delinquent telephone number already entered and stored, and a normal telephone digit not charged. After searching whether the phone number of the corresponding call (乎) is sent to the forced cutting unit (S400).

Afterwards, the connection call forced cutting unit (S400) causes the announcement to be sent out by the announcement message sending unit (S411) and then forcibly cuts the call to test lines, habitual arrears, and other non-billing communication telephones. Eliminate calls using lines at once.

Resend the resident registration number received through the resident registration number input step (S231) to the user (S123), which passed the above-mentioned process well, again to the bad information table (S300). In contrast to this, the corresponding call is sent to the forced cutting unit S400 for processing, and the call of the good user S123 proceeds to the next step.

The bad information table S300 is characterized by bad credit information received from data inputted by a business operator or another computer network.

The end user (S123) having passed the two search processes satisfactorily is registered through a business code number input step (S241) of inputting a store to be paid, that is, an operator code number of an online operator or an operator code number of an offline operator. After going through the operator code number verification step (S242) to check whether the operator is recognized, the authentication number payment table (S500) to the user (S123), which is found to be a normal transaction, is terminated after granting an authentication number consisting of seven or more digits or letters. There is a characteristic to have.

Since the deposit information transmission means (S600) has a feature that the user (S123) is provided to pay content or purchase a product to avoid inconvenience by transmitting the payment amount, authentication number, user information to the corresponding operator.

FIG. 6 is an embodiment of the present invention implemented by mounting an exterminating means such as forcibly cutting a bad credit or fraudster that is a part of the function of FIG.

When the user (S123) who wants to obtain the authentication number calls the ARS payment system 10 using a landline telephone or a mobile phone, the main communication operator switch T100 checks the calling party's telephone number against the defect information table T200. Calls using test lines, habitual delinquents, and other non-billing carrier telephone lines by forcibly cutting the call through the forced cutting unit (T300) by restricting the entry of users with bad credit or using non-charged telephone lines. Eliminate (iii) at once.

If only the user (S123), which passes the process well, transmits a signal so that a normal response can be made in the ARS settlement system (10), the ARS settlement system (10) responds to the call through the call response unit (S221). Send the resident registration number received through the resident registration number input step (S231) to the defect information table (S300) and send a corresponding call to the forced cutting unit (S400) by checking the corresponding delinquent resident registration number already entered and stored. The call of the good user S123 proceeds to the next step.

The bad information table S300 is characterized by bad credit information received from data inputted by a business operator or another computer network.

The end user (S123) having passed the two search processes satisfactorily is registered through a business code number input step (S241) of inputting a store to be paid, that is, an operator code number of an online operator or an operator code number of an offline operator. After going through the operator code number verification step (S242) to check whether the operator is recognized, the authentication number payment table (S500) to the user (S123), which is found to be a normal transaction, ends after assigning an authentication number consisting of seven or more digits or letters. There is another feature that makes it so unique.

Since the deposit information transmission means (S600) has a feature that the user (S123) is provided to pay content or purchase a product to avoid inconvenience by transmitting the payment amount, authentication number, user information to the corresponding operator.

According to the present invention, the user provides convenience in making a small payment in order to purchase paid contents or products on-line or off-line, and prevents loss of operators by limiting unauthorized users or bad users.

Claims (4)

ARS payment system, characterized in that the server to the user through the authentication number acquisition method using the ARS, such as content usage fees and product purchase costs on-line. According to claim 1, when the user uses the ARS payment system having a specific unique number using a wired or wireless telephone, the creditor compares and searches the phone number and resident registration number information stored by the operator or provided by another computer network. Or ARS payment system, characterized in that the server has a means of forcibly cutting off the response immediately after searching for the fraudulent user. 3. The caller ID of claim 2, wherein the caller ID is set to 1 among caller IDs transmitted through a frequency shift keying (FSK) method through a pause between a ring signal and a ring signal during a call attempting to access an ARS payment system. ARS payment system characterized by a server having a means of forcibly cutting the response immediately in the case of starting 7 or 8 digits. The exchange system according to claim 2 or 3, further comprising forcibly cutting the bad creditor or the fraudster in comparison with information stored by the service provider or provided by another computer network at the processing stage of the telecommunication service provider exchange.