KR20020004321A - Billing system and the method using network - Google Patents

Abstract

PURPOSE: A billing/settlement system using networks and a method thereof are provided to support various billing systems using an open distributed system, to achieve fractional settlement, and to accomplish billing using mobile terminals and settlement using electronic wallets. CONSTITUTION: A billing/settlement system using networks consists of user terminals(1) connected to a wired network(3), a management server(5) processing various billings and settlements, and a database server(7) connected with the management server(5) and storing data related to billing and settlement. Affiliated store servers(9,11) are connected to the user terminals(1) and the management server(5) through the network(3). The user terminals(1) also access the management server(5) through a wireless network(13) and a WAP(Wireless Application Protocol) gateway(15). The management server(5) includes a web server(51), an authentication server(53), a billing server(55), a settlement server(57), and an electronic wallet server(59). The web server(51) comprises a webpage management module to maintain a connected state or to process matters concerning connection. The authentication server(53) comprises an authentication processing module to process the authentication of a connected user or affiliated store. The billing server(55) comprises a billing processing module to process various billing systems selectively. The settlement server(57) comprises a settlement processing module to execute settlement processing for the contents processed by the billing server(55). The electronic wallet server(59) comprises an electronic wallet management module to manage users' electronic wallets. The database server(7) comprises a user database(71), an affiliated store database(73), a billing database(75), and a price settlement database(77).

Description

Billing system and the method using network

The present invention relates to a billing / payment system using a network and a method thereof, and more particularly, to provide a billing system as well as supporting various billing technology using the Internet and contributing to the activation of the online commerce market. In addition, the present invention relates to a billing / payment system using a network capable of payment by an electronic wallet using a portable communication terminal and a method thereof.

In general, PC communication is a closed system, and internet billing system has been formed based on membership fee, daily subscription and information usage. This is a problem that the method of charging as much as the use time because the Internet is disconnected after receiving information due to the characteristic of HTTP, a web protocol, has a technical problem. In addition, the conventional billing method uses a limited billing method, and due to the absence of a billing method for the small amount of money, which is important on the Internet, the revenue of the existing CP has limited advertising revenue, membership fee, and flat fee support from the ISP (Internet Service Provider). And so on. As a result, the revenue sources of CP are limited, and there is a limit to the monetization of contents.

In addition, in the related art, when using paid content through the wireless Internet, a payment method included in a mobile phone fee is used, which causes inconvenience in use.

Therefore, the present invention has been proposed to solve the above problems, and an object of the present invention is to support a variety of billing methods, and to make a small payment as well as move or The present invention provides a billing / payment system using a network for billing and payment using an electronic wallet using a mobile communication terminal, and a method thereof.

In addition, an object of the present invention is to provide a high-quality content by providing a prepaid payment in small amounts when providing content to the content provider, increase the reliability by providing high-quality content, billing / payment using a network that can secure a fixed income source System and its method.

It is still another object of the present invention to provide a system and method for making a payment using an electronic wallet using various billing and mobile or mobile communication terminals, and a billing / payment system using a network that can facilitate user's convenience. To provide that method.

Another object of the present invention is the first, the page view billing charges each time a user requests a page, the second, the download charge-packet charge method, third, the flat rate charge (1) at the time of fixing the fixed amount-merchants each It is a method of checking 24 hours on the basis of the change of day determined by each service. Regardless of the time zone, you can use the service for 24 hours after access. (3) Monthly flat rate based on the change date of fixed month-Same as the fixed amount plan when changing the fixed date, but charges on a monthly basis, and (4) Monthly flat rate based on the entry date. Same as the fixed amount based on the entry time, but charges monthly, and fourth, hourly charges-Provides a billing method that mixes the charges in seconds and charges for the amount of time used. It is to provide a billing / payment system and method using the network.

In order to achieve the above object, the present invention, the user terminal is connected to connect through a network, a management server for managing various billing processing and payment and electronic wallet, and is connected to the management server, the user and merchants The present invention provides a billing / payment system using a network including a database server storing data relating to data, data relating to various billing standards, data relating to billing matters, and the like.

According to the present invention, a management server maintains a connection state when a user terminal is connected, manages a webpage management server for managing the connection state, an authentication server for processing the user's authentication, and loads the billing reference data stored in a database to a user's charging standard. Provide a billing / payment system using a network including a billing processing server for processing billing, a billing processing server for billing according to the billed content by the billing processing server, and an electronic wallet processing server for managing a user's electronic wallet; do.

The present invention provides a user database in which the database server stores data relating to a user's identity, a database managing a merchant's identity, a billing database storing data as a billing standard, and a billing price according to the billing standard. The present invention provides a billing / payment system using a network including a billing payment database in which data for processing a payment is stored.

According to the present invention, the billing database is managed by the billing module and is managed by a page view billing reference database, the billing module, in which billing criteria are stored so that a fee is charged when a user requests a page. The charge is for one time regardless of the number of requests for a 24-hour period based on the requested time, and the charge is based on the daily time-based daily billing database, which stores the billing criteria for the first request. The billing module is managed by the billing module, and a fixed date-change monthly subscription database, in which a billing standard is stored based on the time of day as a date change basis, is separately managed for the merchandise or contents in a merchant, and is managed by the billing module. Monthly based on user's date and time of visit Fixed monthly change date for billing on a monthly basis based on the date and time of the monthly subscription fee database, which is based on the date and time of visits, which is stored in the billing standard, and is set by the merchant on a daily basis. A base billing database, a billing using a network including a time base billing database for charging based on the elapsed time between when the user requests a page to start a timer and a time to request a page to end a timer; Provide a payment system.

The present invention is to determine whether the membership according to the user's access request signal, the authentication processing step of performing the user authentication process after determining the membership, the security ID approval by the security ID approval request of the merchant server after the authentication processing step Processing a payment request by a payment request signal input from the merchant server after the security ID approval processing step; confirming whether the user is currently logged in; applying billing according to the set billing type; In the step, the payment processing according to the payment request according to the applied billing of the merchant server, the payment processing using the network comprising the step of calculating the amount after the payment processing in the step.

1 is a configuration diagram for explaining the configuration of an embodiment according to the present invention;

2 is a configuration diagram of a user terminal side;

3 is a diagram showing the configuration of a billing server and a billing database server;

4 is a flowchart illustrating a charging method according to the present invention.

Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings.

1 is a block diagram of the overall payment and billing system showing an embodiment according to the present invention, a plurality of user terminals 1, the user terminal 1 is connected to the network 3 by wire, is connected, A management server 5 for processing various billings and payments, and a database connected to the management server 5 and managed and processed by the management server 5 and storing data on payment and billing. The server 7 is shown.

A plurality of affiliated server servers 9, 11,... Are connected by a network 3 to a user terminal 1 and a management server 5.

In addition, as shown in FIG. 1, the user terminal 1 may be connected to the management server 5 by being connected by a wireless network 13 and a WAP (wireless application protocol) gateway 15 as well as wired. It is composed.

The management server 5 is an authentication process for processing authentication of a web server 51 including a web page management module, a connected user or a merchant to maintain a connection state or process matters related to access by a user connection. An authentication server 53 including a module, a billing server 55 including a billing processing module to selectively or mixedly process various billing methods, and to process payment for the content billed by the billing server 55. It includes a payment server 57 including a payment processing module for and an electronic wallet server 59 including an electronic wallet management module for managing a user's electronic wallet.

The database server 7 stores data on the user's personality, and stores the user database 71 controlled by the management server 5, data on affiliated stores, and data on each personal specification. Management is performed by the merchant database 71, the billing server 55, and the billing database 75 and the billing standards of the billing server 55, which stores data that is various kinds of billing standards. Accordingly, the payment server 57 includes a payment database 77 in which data regarding payment is stored so that payment can be made by the payment server 57.

The affiliated store server 9 may include a web page management module 91 for managing a web page when a user is connected, and a user billing module 93 that supports a charging method defined according to contents of a content 95 provided to the user. It includes.

On the other hand, the user terminal 1 is controlled by the control unit 101, the web browser 103 and the management server for connecting to the management server 5 or the merchant server (9, 11, ...) ( The electronic wallet display part 105 which displays the balance sent from 5) is provided.

FIG. 3 is a diagram showing in detail a database that stores contents of a billing standard according to the billing type of the billing database. The page sub-billing reference database 151 and the daily time-based billing database based on the visit time are shown in FIG. (153), the fixed daily change based on the daily subscription fee database (155), the date of visit based on the monthly fixed billing database (157), the fixed monthly change based on the charge date database (159), packet charging database (161) ), A usage time based billing database 163 and a plurality of mixed billing databases 165.

The page view charging reference database 151 stores data that is a charging reference so that a user can respond after being charged when a user requests an HTTP request. The page view type billing may be applied to a general shopping mall price classification or a fixed amount cartoon service.

The daily subscription fee database 153 based on the visit time allows the user to be charged only once regardless of the number of requests for 24 hours, based on the time when the user requests the page (HTTP request). The data that is the billing standard is stored so that it can be based on the first request. That is, 24 hours can be calculated starting from the connection time. The daily time-based billing database 153 based on the visit time stores data for which the merchant has designated one or more products or contents in a group so that a separate fee is not charged for different products or contents designated in the same group in this case. The billing criteria are stored. Such billing can be applied to cartoon services.

When the fixed date is changed, the standard daily flat rate database 155 is similar to the daily fixed fee (based on the visit time), but the date (hourly time) set separately for the product or the content at the affiliate store is not the request time of the user. Data related to the billing standard based on the change basis is stored.

The monthly subscription fee database 157 at the visit date is the same as the daily subscription fee (based on the visit time), but the charge reference data for charging a single fee based on a monthly basis rather than 24 hours is stored.

The monthly subscription fee database 159 on the fixed monthly change date is the same as the monthly fixed price (based on the date and time of visit), but the monthly change is a time point (day) set separately for the product or the content at the affiliate store instead of the user's request date. Charging reference data is stored as a reference.

The packet charging database 161 stores charging reference data for charging based on the capacity of the content. When the user requests the content (HTTP request), the charging server 55 stores a packet unit determined by a merchant. It stores the billing reference data to charge the information according to the size of the transmitted packet at the time when the transmission is completed or stopped. In this case, if the transmission is interrupted, it is desirable to design the user so that only additional data after the interruption can be requested. Such charging can be applied to service digital books, MP files, and the like.

The usage time based billing database 163 stores data that is a billing standard for charging a fee based on an elapsed time between a time when a user requests a page for starting a timer and a time for requesting a page for ending a timer. have. In such a case, it is preferable to set the timer to automatically terminate when the browser is terminated without requesting a page for terminating the timer.

The mixed billing database 165 stores data that is a standard so that the billing method can be properly mixed and billed. This can be variously used by the combination of the above examples.

For example, Page View + Membership, Page View + Packet, Page View + Membership + Packet, Usage Time + Page View, Usage Time + Packet, Usage Time + Membership, Usage Time + Page View + Membership, Usage Time + Page View + It is possible to configure and apply a database based on various billing criteria such as packet, usage time + page view + membership system + packet.

The method by the billing / payment system using the network made in this way is demonstrated in more detail.

First, the user executes the web browser 103 in the user terminal 1 (S1) and requests a connection to the web server 51 (S3). Then, the web server 51 maintains the connection state, calls the contents of the user database 71, and loads the authentication server 53 to determine whether it is a member (S5). If it is a member, the authentication server 53 performs authentication processing (S9), and if it is not a member, the web server 51 transmits a message to the user computer 1 to induce membership (S7). When the membership registration is made and the data on the identity is input, the authentication server 53 performs the authentication process and sends a connection request signal (S11) to the merchant server. Then, the merchant server (9, 11, ...) determines whether the member (S13), if not a member induces membership if not a member, and if the member requests a security ID approval to the authentication server 53 (S17). ). The authentication server 53 performs security ID approval process (S19). Then, the merchant server 9, 11, ... may make a payment request based on the security ID (S21), and checks itself whether the payment request signal is valid (S23). In addition, the affiliate server 9 (to be described by only displaying one for convenience) makes a payment request to the payment server 57 (S25). The payment server 57 then calls the web server 51 to determine whether the current user is logged in (S27). If the user is logged in, the payment server 57 loads the billing server 55, reads the contents of the billing database, and applies billing according to the set billing type (S31). Accordingly, when the user requests a content service from the affiliate server 9, 11, ..., the affiliate server 9, 11, ... provides the content service (S35) and makes a payment request according to the applicable billing. (S37). Then, the payment server 57 performs the payment processing (S39) according to the billing criteria and settles the amount and displays the settled amount on the electronic wallet display unit 105 on the user terminal 1 side (S43). If the user wants to use or receive another content, the user returns to the content service request step S33 to go through the above-described steps again. If no other content is used, the process ends.

The present invention describes that the user terminal 1 is connected through a network by wire, but is not limited thereto, and the mobile or mobile communication terminal 17 is managed through the wireless network 13 and the WAP gateway 15. It is possible to be connected to the server 5, in this case it is possible to receive a variety of billing services in the same, or to use a variety of content, it is also possible to pay a small amount. In this case, of course, it may include a program module for transmitting a minimum program so that the mobile server or the mobile communication terminal 17 can access the wired user terminal company management server.

As described above, the present invention has various effects of setting the billing types in various ways and applying an open distributed system to enable a small payment to be made, thereby speeding up the Internet infrastructure and expanding the base.

In addition, various billing methods can be adopted according to the information, and the billing method can be selected according to the preferences of the information users. Therefore, the profit model is clear from the content provider's point of view, so that the content can be diversified and high quality content can be provided. It works.

In addition, a user can be provided with a billing / payment system using a network for billing and payment using an electronic wallet using a mobile or a mobile communication terminal, and a method thereof, so that a user can be provided with high-quality content on the go. There is an effect that can be convenient.

Claims (11)

A management server connected to the user terminal so as to be accessible through a network, and managing various billing processing, payment, and electronic wallets; A database server connected to the management server and storing data on user and merchant information, data on various billing standards, data on billing matters, and the like; Billing / payment system using a network comprising a. The billing / payment system of claim 1, wherein the network determines a guide and a criterion for billing of a user and is connected to a plurality of merchant servers providing content. The billing / payment system according to claim 1, wherein the network is connected to a user's portable or mobile terminal through a WAP gateway to receive payment, billing, and content services. The method of claim 1, wherein the management server A web page management server for maintaining and managing a connected state when a user terminal is connected; An authentication server that handles authentication of a user; A billing processing server which loads billing reference data stored in a database and processes billing according to a billing criterion determined by a user; A payment processing server for making a payment according to the contents charged by the charging processing server; An electronic wallet processing server managing a user's electronic wallet; Billing / payment system using a network comprising a. The method of claim 1, wherein the database server A user database that stores data relating to the user's identity; A database for managing the identity of the affiliated store; A billing database that stores data that is a billing reference; A billing database that stores data for processing billing according to the billing criteria. Billing / payment system using a network comprising a. The system of claim 1, wherein the user terminal comprises: a web browser for accessing a management server or an affiliate server through a network; A control unit for controlling the web browser; An electronic wallet display unit controlled by the control unit and displaying a balance of the amount of money transmitted from the management server; Billing / payment system using a network comprising a. 6. The method of claim 5, wherein the charging database is A page view billing criteria database managed by the billing module and storing billing criteria such that a fee is charged when a user requests a page; Managed by the billing module, the user charges one charge regardless of the number of requests for 24 hours, based on the time the user requests the page, and the charge point is stored based on the first request. A daily subscription database based on visit time; A fixed date change monthly subscription database, which is managed by the charging module and stores a billing criterion based on an hourly date based on a date change based on a time point set separately for goods or contents in a merchant; A visit date-based monthly subscription database, which is managed by the accounting module and stores a billing standard on a monthly basis based on a visit date and time of a user; A fixed monthly change date billing database managed by the billing module for billing on a monthly basis on a day-by-day basis based on a point in time determined for a product or content at a merchant; A usage time reference billing database for charging a fee based on the elapsed time between when the user requests the page to start the timer and the cast requesting the page to end the timer; Billing / payment system using a network comprising a. 8. The method of claim 7, wherein the billing database, if the user requests content, the server transmits information in units of packets determined by the affiliate and charges according to the size of the packet transmitted when the transmission is completed or stopped. A billing / payment system using a network that includes a stored packet billing database. 8. The billing / payment system according to claim 7, wherein the billing database includes a plurality of billing databases that define billing criteria in which billing databases are mixed. Determining whether to be a member according to a user's access request signal; An authentication processing step of performing user authentication processing after determining whether the member is a member; Approving the security ID according to the security ID approval request of the affiliate server after the authentication processing step; Processing a payment request by a payment request signal input from the affiliated store server after the security ID approval processing step; Checking whether the user is currently logged in; Applying billing according to the set billing type; Performing a payment processing according to a payment request according to the application charge of the affiliated server; Calculating the amount after the payment processing in the step; Billing / payment method using a network comprising a. 11. The method of claim 10, wherein in the step of applying the billing according to the set billing type The billing / payment method using a network further comprising the step of determining the type of billing respectively applied based on the contents stored in the merchant server and the database server.