KR20020056854A - Management system for feeing multimedia messaging service using of save point and method same - Google Patents

Abstract

PURPOSE: A system for paying charge of a multimedia messaging service and a method for controlling the same are provided to pay an MMS(Multimedia Messaging Service) transmission charge transmitted to a mobile wireless terminal through an SMS(Short Message Service) ASP(Application Service Provider) service businessman as points accumulated in a financial institution or a specific portal site automatically. CONSTITUTION: The Internet(14) forms a data transmitting/receiving path. A client(10) is connected to the Internet(14) and transmits/receives data. A mobile communication exchanger(20) analyzes an MMS message being received through the Internet(14) and transmits the MMS to a corresponding mobile terminal. At least one FICS(Financial Agency Computing System)(12a-12n+1) has a client management database including member information of a financial transaction, transaction details, accumulated points, and point details information, is connected to the Internet(14), transmits the points and details information by responding to a receipt of a point requesting information, subtracts points of a corresponding member by responding to a receipt of a point payment information, and updates the point details information and point information. An MMS transmission point management server(16) has a database for storing remainder points and point management information stored in the client management database, is connected to the Internet(14), searches point information of the client(10), point management information, and point payment information by responding to a log-in process of the client(10), transmits the MMS message contents transmitted from the client(10) to the mobile communication exchanger(20) through the Internet(14), and transmits the point payment information to the FICS(12a-12n+1) in a paying date of the corresponding member.

Description

Payment system for multimedia messaging service using points earned and control method thereof {MANAGEMENT SYSTEM FOR FEEING MULTIMEDIA MESSAGING SERVICE USING OF SAVE POINT AND METHOD SAME}

The present invention relates to a multimedia messaging service system, and more particularly, to a multimedia messaging service fee payment system using a point for paying a fee for using a multimedia messaging service as a point accumulated in a financial institution or a portal company, and a control method thereof.

Currently, the use of mail service or wireless interrupt messaging, short message service (SMS) transmission, and the download of initial graphic still images and moving pictures, ringing sounds, etc. of the wireless telephone are exploding. The multimedia messaging service is rapidly increasing its population due to the explosion of mobile communication subscribers. Due to the increase in multimedia messaging services, researches on new types of services by combining multimedia messaging services and mobile communication technologies are being actively conducted.

As a result of this study, a short message service ASP (hereinafter referred to as "SMS ASP") operator for transmitting an SMS service to a mobile communication terminal on a website as well as mobile phone subscribers has emerged. For example, financial institutions (banks, credit card service providers), logistics companies, portal sites such as web sites operate wired sites for SMS transmission, and SMS is paid or free of charge. The service allows you to download, send ringtones and download initial video graphics. These services are also being operated by domestic electronic manufacturers who produce and sell mobile wireless telephones.

However, the above Internet sites require a separate membership, and in order to send an SMS from each website, a separate cyber money or points required by the corresponding site had to be accumulated separately. Such cyber money or earned points are generally credited when the user actually pays (pays) the corresponding cash and purchases or watches an advertisement. In the case of websites operated by financial institutions, it is common to accumulate cyber money or points in a database in proportion to the financial institution's use of credit cards or financial institution's profit contribution.

Therefore, in order to transmit an SMS, a member of a website that provides a service for sending an SMS is required to purchase cyber money or to earn points by watching unnecessary advertisements. These actions are obtained by providing your personal information to the website's operating company, which can cause problems in protecting your privacy. In addition, there is a website of a financial institution that allows hundreds of SMS transmissions per month only for members when paying a low SMS usage fee, but it is necessary to pay SMS ASP operators, operate SMS APS, or send SMS to mobile wireless carriers. The minimum amount to pay the fee required to accept is to be accepted by the consumer for the purpose of retrieval. This is because it is necessary to pay the minimum expenses to the SMS ASP provider and the expenses necessary for the maintenance of the system for SMS transmission.

Accordingly, an object of the present invention is to provide a multimedia messaging service fee payment system for automatically paying a multimedia messaging service (MMS) transmission fee transmitted to a mobile wireless terminal through an SMS ASP service provider as a point accumulated at a financial institution or a specific portal site; It is to provide a control method.

Another object of the present invention is to connect the SMS ASP service provider as a computer and transmit the message of the multimedia messaging service to the mobile wireless terminal. The present invention provides a messaging service fee payment system and a control method thereof.

Another object of the present invention is to subscribe to at least one financial institution or portal site using a computer connected to the Internet when sending MMS using the points accumulated or credited to the financial institution or portal site transfer fee The present invention provides a multimedia messaging service fee payment system and a method of controlling the same.

The present invention for achieving the above object and the Internet to form a data transmission and reception path; A client connected to the Internet to transmit and receive data; Claims [1] A multimedia messaging service fee payment system having a mobile switching center (MSC) for analyzing an MMS message received through the Internet and transmitting the MMS to a corresponding mobile terminal. Sending the point and the point management information in response to the receipt of the point request information connected to the Internet with a customer management database having member information, transaction details and points accumulated according to the financial transaction, point management information, At least one financial agency computing system (hereinafter referred to as "FICS") that subtracts the point and updates point details information in response to receiving point payment information; Point information and point management information of the logged-in client is connected to the Internet with a database storing point and point management information of member information stored in the customer management databases of the plurality of FICS, and in response to login of the client. And when the content of the point payment information is searched and transmitted, the content of the MMS message transmitted from the client is transmitted to the mobile communication exchange through the Internet, and the corresponding point payment information is increased, and the point payment is paid on the member's settlement date. And an MMS transmission point management server for transmitting information to the FICS.

In the above, the member information is personally identifiable information required by a general financial institution. In addition, the point means a value of a predetermined profit value paid after a transaction of goods or services traded on / off-line, and, for example, if the content can be used instead of cash. It is enough. For example, they are being called credit points, mileage, cyber money, electronic cash, etc. currently used in financial institutions.

The MMS transmission point management server catches a message transmitted from the client through the Internet, controls the formation of a data transmission / reception path, transmission of web content, files, and multimedia messaging data, and simultaneously controls management of a database. A web control processor, a file transfer protocol (FPT) processor for transmitting a requested file to the connected client side under the control of the web control processor, and an MMS message transmitted from the web control processor. It includes an MMS engine for transmitting to a predetermined address through the Internet and databases that distribute and store member, point and payment information stored in the database of the plurality of FICS.

The present invention as described above is a point that is given as a form of goods that can be traded to the client that is a member when signing up as a member in a number of financial institutions or portal sites, etc. on-line or off-line, useful paid information such as SMS, video and ringtones. You can pay the service fee.

1 is a block diagram of a multimedia messaging service fee payment system using points according to a preferred embodiment of the present invention.

2 is a control flowchart of a block of the multimedia messaging service fee payment system shown in FIG. 1;

DESCRIPTION OF THE PREFERRED EMBODIMENTS Preferred embodiments of the present invention will now be described in more detail with reference to the accompanying drawings in which: FIG. It should be understood, however, that the present invention may be embodied in many different forms and should not be limited to the described embodiments. It should be noted that the following examples are intended to be illustrative and to sufficiently convey the spirit of the present invention to those skilled in the art. It should also be noted that detailed descriptions of well-known functions and configurations that may unnecessarily obscure the subject matter of the present invention are omitted.

The present invention to be described below, the client (client) consisting of a personal computer is another client or web server connected to the Internet or intranet by Transmission Control Protocol / Internet Protocol (TCP / IP) Are connected to each other to enable data communication.

In addition, the present invention is another counterpart client, financial institution computing system (hereinafter referred to as "FICS") using a client connected to the Internet / intranet (hereinafter referred to as "Internet") (the FICS Also, as a web server, a web content can be provided by a TCP / IP connection, and an MMS transmission point management server is further connected to a network capable of transmitting and receiving data. It is a system that automatically pays MMS fee using points.

1 is a block diagram of a multimedia messaging service fee payment system using points according to a preferred embodiment of the present invention. In FIG. 1, reference numeral 10 denotes a personal computer that is hardware configured to be connected to the Internet 14 and perform web surfing or net surfing. Of course, the client 10 should be loaded with various programs for surfing the website. Reference numerals 12a to 12n + 1 are FICSs, and financial institution computing systems that store point management information having data of membership information, point information, and payment conditions of the clients as a database. When the point payment information is received through the Internet, the FICSs have a function of analyzing the point payment information and updating the point information by subtracting the point of the member stored in the customer management database. Here, the point payment information refers to point deduction information corresponding to the number of times the member transmits the MMS message. That is, MMS message transmission charging information.

In the present invention will be described an example of the case of payment as points accumulated in the FICS, when using the points earned in the portal company, the FICS should be replaced by the web server of the portal company. Reference numeral 16 has a database for updating (up-date) the information, point information, point management information of the customer management database of the FICS in a predetermined period, the response of the logged in client from the database in response to the login of the client 10; When the point and point payment information is searched and transmitted, the contents of the MMS message transmitted from the client are transmitted to the mobile telephone exchange system through the Internet, and the corresponding point payment information is increased, and the point payment is paid on the member's settlement date. MMS transmission point management server for transmitting information to the FICS. 18 is an SMS ASP which analyzes the contents of the MMS message received through the Internet 14 and transmits the MMS to a path corresponding to a called number (phone number) of the mobile terminal. 20 is a mobile communication switch having a function of transmitting the MMS to the phone number of the mobile terminal 24 included in the MMS transmitted from the SMS ASP 18. Finally, 22 is a wireless relay station or wireless tower that serves to relay messages of the MMS transmitted from the mobile communication switch 20.

In the above configuration, the MMS transmission point management server 16 includes a first database (hereinafter referred to as "DB1") 168 in which a plurality of member information is stored, and a point including point information and payment information corresponding to the plurality of members. A second database (hereinafter referred to as "DB2") 170 storing management information and point payment information, and performing data communication with a plurality of FICS 12i through the Internet 14 to transmit and receive member information and their point information to the DB1 168; Updates information in DB2 170 and catches messages sent from the client 10 through the Internet 14 to control the formation of data transmission and reception paths, the transmission of web content, files, and multimedia messaging data, and to manage the database. A web control processor 162 for controlling and the client 10 connected in response to the control of the web control processor 162; It is configured, including MMS engine 166 to send the MMS message to be transmitted and the FPT (file transfer protocol) processor 164, from the web control processor 166 to transfer the requested file to a predetermined address via the Internet 14. In the above configuration, the mobile terminal 24 means that the mobile Internet environment, such as a CDMA, GSM mobile cordless telephone, PDA, or the like, can be accessed. In the present invention, a mobile wireless telephone will be described as an example.

FIG. 2 is a diagram illustrating a control flow of a block of the multimedia messaging service fee payment system illustrated in FIG. 1, which clearly illustrates a control flow between an MMS transmission point management server 16 and a client 10.

First, the payment method for MMS transmission point management according to the present invention will be briefly described.

A user who wants to send an MMS such as SMS, ringtone download, video download, etc. to a mobile phone 24, that is, whenever a client 10 sends a single MMS, to a financial institution or portal website where he or she is registered as a member. Points accumulated in the area of unique identification must be settled in the form of postpay or postpay collective payment.

For example, when one MMS is sent, payment is made in post payment within points earned by its ID, and in the case of exceeding the limit of points currently earned, payment is made in a fixed form (cash payment) on a fixed date. It may be a method of making a payment by mixing the two payment methods. In the present invention, such contents are defined as point management information.

It is assumed that each of the member management databases in the plurality of FICS 12i stores member profile information (this is divided by ID as usual), point information and point management information of the corresponding member. In addition, it is assumed that the plurality of FICS 12i and the MMS transmission point management server 16 update data of each database by performing data communication when there is a certain period or a settlement date of corresponding members.

Now, a user using a credit card of a specific financial institution runs his web browser to send an SMS to any mobile wireless telephone 24 using his computer, and then the URL of the MMS transmission point management server 16 ( If a uniform resource locator is input, it is connected to the web control processor 162 in the MMS transmission point management server 16 through the Internet 14 in step 200 of FIG. 2 by controlling the TPC / IP of the client 10 shown in FIG.

At this time, in response to the access, the web control processor 162 transmits predetermined web contents to the client 10 in step 202. The content of the web content may include a message indicating a method of transmitting MMS using member registration information and points accumulated in a financial institution, and a guide message for downloading and utilizing an instant messenger.

If client 10 is the first subscriber and sends member registration information (as usual, including all personal information and the phone number of the mobile cordless phone to be contacted and information indicating that he or she is a member of a previously subscribed financial institution), The web control processor 16 stores the membership information in DB1 168 and transmits the authentication key generated by the authentication key algorithm to the MMS engine 166 in step 206 of FIG. 2. At this time, the authentication key information (generally generated by four numbers) transmitted from the web control processor 162 includes the telephone number of the mobile wireless telephone possessed by the user of the client 10.

The MMS engine 166 transmits the authentication key to the SMS ASP 18 via the Internet 14 to the mobile radio telephone number included in the authentication key information. At this time, the SMS ASP 18 analyzes the mobile call code (mobile communication provider identification code) of the mobile wireless telephone number and transmits the SMS of the authentication key to the mobile communication switch 20 connected to the corresponding route, as is well known. The mobile communication switch 20 transmits the SMS of the received authentication key to the mobile wireless telephone 24 to be displayed on the indicator on the mobile wireless telephone 24 possessed by the client 10.

In this case, when the user of the client 10 transmits the received authentication key in step 212, it is transmitted to the web control processor 162 through the above-described path. In this case, the web control processor 162 transmits a subscription approval message (MSG) to the client 10 in step 212 to inform that the subscription has been successfully performed.

If the client 10 subscribed to transmits a message requesting a file of an instant messenger in step 214, the web control processor 162 transmits a command message to the FTP processor 164 in step 216. In response to the messenger file transfer command, the FTP processor 164 transmits a messenger file, which is configured to perform an SMS, a ringtone, a video, and a chat, to the client 10 in step 218. Such instant messenger may be implemented similarly to the type of messenger currently used universally.

The MMS transmission service using the point according to the present invention has two methods of executing the messenger program downloaded by the client 10 by the above process and connecting the URL page of the MMS transmission point management server 16 on a web browser. At least one of the methods may be selected to log in. For example, if the URL of the MMS transmission point management server is entered in a web browser and the login is immediately performed in step 220 and 202 of FIG. 2, the operation is executed in the web browser and the downloaded messenger is executed. If you log in, it will run in Messenger.

When the user transmits the login information using the client 10 in operation 220 of FIG. 2, the web control processor 162 determines whether there is a member corresponding to the received login information based on the information stored in the DB1 168 in operation 222 of FIG. 2. To judge. The DB1 is a member database, in which the web control processor 162 performs data communication with the plurality of FICS 12i through the Internet 14 at predetermined intervals, updates and stores the contents thereof, and simply the member information of the MMS transmission point management server. It is stored. If the user is not a member of the financial institution (FICS) in step 222, the web control processor 162 transmits the fact that the user is not subscribed to the financial institution to the client 10 in step 223. If the client logged in in step 222 is a member subscribed to a financial institution, the web control processor 162 accesses point information and point management information of the corresponding member from DB2 in step 224.

In operation 225 of FIG. 2, the web control processor 162 determines whether to allow the transmission based on the access point and the content of the point management information whether the member has a problem with payment and reliability. As described above, the point is defined as a value of a predetermined profit value paid after the transaction of goods or services traded on / offline, and the point management information is the point of payment method information. According to the presence and payment method, it means useful information to selectively allow MMS transmission even if there is no balance of points.

In the case where the transmission is not allowed in step 225, for example, there is no point balance or the postpay payment method is not available, the web control processor 162 transmits the usage point details and the transmission impossible message to the client 10 in step 226. Do not perform subsequent procedures. If, as a result of the determination in step 225, the point balance is sufficient, or even if there is no point balance, the web control processor 162 indicates that the balance / used point details and transfer are possible in step 226. The message and the MMS transmission form is transmitted to the client 10 side. After operation 226, the web control processor 162 may transmit a video for advertisement as in operation 228.

Thereafter, when the user of the client 10 creates an MMS message (MMSM) content of a file such as an SMS, a ringtone, a wallpaper, a video, etc. according to a predetermined transmission form and transmits it to the web control processor 162 in step 230 of FIG. The web control processor 162 increases the point payment information stored in DB2 in step 233 of FIG. 2. Here, the point payment information is point deduction information of the client, which means charging information to be paid when one MMS is transmitted. The point payment information is initialized when the payment is completed. In operation 234, the MMSM transmits the content of the MMSM to the MMS engine 166. The MMS engine 166 transmits the received MMSM to the SMS ASP 18 through the Internet 14 in step 236 of FIG. 2 to be transmitted to the mobile wireless telephone 24 of the other party through the path described above. In the present invention, the point payment information is first updated and the case of transmitting the MMSM is described. However, a person having ordinary knowledge in the art may update the point payment information after pre-transmitting the MMSM. In addition, a method of updating the point payment information when the delivery is confirmed to the mobile telecommunication telephone 24 to be delivered with the MMSM may be applied.

The web control processor 162 updating (increasing) the point payment information to pay the usage fee of the MMSM transmitted as the point of the financial institution as described above, uses the point information and the point payment information stored in DB2 170 in step 238 of FIG. 2. A message of points balance / used point details is sent to the client 10 so that the user can know the details. In this state, when the client 10 which transmits the MMSM to which the client intends to transmit transmits a message to the web control processor 162 in step 240 of FIG. 2, the web control processor 162 disconnects the client 10 connection in step 241. Block and recover.

Meanwhile, the MMS transmission point management server 16 which updates the point payment information of the member who transmits the MMSM by the above process transmits the corresponding member information and the point payment information to the FISC 12i on the point settlement date of the member. For example, the web control processor 162 searches the settlement date information of the point management information stored in the database DB2 at predetermined intervals, and if there is the same information on today's date, the web control processor 162 reads the member's information and sends the point payment information to the corresponding FICS 12i. send. In this case, the point payment information includes basic information of the member, for example, payment information corresponding to the transmission of the member ID and the MMS. The FICS 12i having received the point payment information is updated by deducting the point of the corresponding member and transmitting the updated point information and point management information to the MMS transmission point management server 16 to execute the above-described process.

In the above embodiment, a member subscribed to a financial institution has described an example of transmitting an MMSM using the points accumulated in the financial institution, but also a method of paying the transmission fee of the MMSM using the points accumulated in the portal website or the like. Note that it does not depart from the scope of the technical idea of the present invention.

As described above, according to the present invention, when a user subscribes to a number of financial institutions or portal sites and trades on / offline, an MMS transmission fee can be settled as an authorized point of goods that can be traded to the client as the member. It is possible to minimize the exposure of personal information and to maximize the utilization of points given as goods value.

Claims (5)

A multimedia messaging service fee including an Internet forming a data transmission / reception path, a client connected to the Internet to transmit and receive data, and a mobile communication exchange that analyzes an MMS message received through the Internet and transmits an MMS to a corresponding mobile terminal. In the payment system, It is connected to the Internet with a customer management database having membership information, transaction details and points accumulated according to the financial transaction, and point detail information, and transmits the point and its detail information in response to receiving the point request information. At least one FICS that subtracts the member's points in response to receiving payment information and updates the point details and point information; A point balance of point information and point management information of member information stored in the customer management database of the plurality of FICS is connected to the Internet, and in response to the login of the client, the point information and point management of the logged in client from the database. MMS message information transmitted from the client when the information and point payment information can be searched and transmitted to the mobile communication exchange through the Internet, and MMS for transmitting the point payment information to the FICS on the settlement date of the member. Multimedia messaging service fee payment system comprising a transmission point management server. The method of claim 1, wherein the MMS transmission point management server catches a message transmitted from the client through the Internet to control the formation of a data transmission / reception path, transmission of web content, files, and multimedia messaging data, and simultaneously manage a database. A web control processor for controlling the control, an FPT processor for transmitting a requested file to the client side connected in response to the control of the web control processor, and an MMS message transmitted from the web control processor to a predetermined address through the Internet. Multimedia messaging service fee payment system, characterized in that it comprises the MMS engine for transmitting and the database stores the member, point and payment information stored in the database of the plurality of FICS. The system of claim 1 or 2, wherein the point management information includes data of a payment form for determining a deduction of points in response to MMS transmission. The point and its management in response to the receipt of point management information connected to the Internet having a customer management database having information on the Internet, member information for making a financial transaction, transaction details, and points and point management details, etc. At least one FICS for transmitting and receiving history information, a plurality of clients that can connect to the Internet, and a mobile communication exchange for analyzing the MMS message received through the Internet and transmitting the MMS to the mobile terminal and the Internet through the MMS transmission point management server which performs data communication with a plurality of FICS and mutually updates the database of the point balance and the point management information of the member information stored in their customer management database, and transmits the received MMS message to the mobile communication exchange. One multimedia messaging stand In the service fee payment method, Determining whether to permit transmission by accessing point information and point management information of the client from the database in response to login of the client; An MMS message transmission process of transmitting the details of the balance point / use point and the MMS transmission type message to the client side in response to the MMS transmission permission in the determination process, and transmitting the MMS message transmitted from the client to the mobile switching center; , After sending the MMS message, the point payment information of the database is updated to transmit the point payment information to the FICS, and the point and point payment information of the member in the database is initialized by the point and point management information transmitted from the FICS. Payment method for a multimedia messaging service, characterized in that it comprises a payment process. The method of claim 4, wherein the determining process is to allow transmission even when there is no balance of points when the state of the point management information is a postpaid agreement.