KR20020083389A - Electronics payment method using ARS - Google Patents

Abstract

PURPOSE: A method for an electronic payment using an ARS(automatic response system) is provided to pay a rental fee being levied in an Internet charged site simply and conveniently using an automatic response system of a telephone. CONSTITUTION: A user who wishes to perform an Internet electronic payment connects to an electronic billing server and opens a member account. The user connects to an ARS system using a registered telephone number and inputs a member number and a password for collecting a rental fee in advance. If is judged whether the currently connected telephone number is identified with a pre-registered telephone number. If the currently connected telephone number is identified with a pre-registered telephone number, a rental fee by one connection is transferred to an account managing system through a deposit gateway. The corresponding depositing money is accumulated in a cyber account of the user. If the user uses charged contents, the balance of user account and charged contents usage available information are exchanged through a TCP/IP connection between the electronic billing server of a billing system and a CP/ISP server or a socket communication between each DB server. Also, a corresponding rental fee is extracted from the cyber account of the user and transferred to the CP or the ISP through a payment gateway.

Description

Electronic payment method using ALS {Electronics payment method using ARS}

The present invention relates to a method of alternative payment for Internet paid content usage fee using an automatic answering system of a phone, and in particular, a certain amount of money is transferred to a cyber account of a member account through ARS billing and paid content for Internet The present invention also relates to an electronic payment method using ALS that automatically charges the cyber account based on a pay-per-use fee.

As is well known, when a user purchases a product or uses a paid information service through the Internet, a credit card or a bank transfer is used to pay the price. However, the above two payment methods are very limited.

The credit card payment method is difficult to use by teenagers who are familiar with the Internet because the issuance standard of the credit card is difficult. In addition, even those who have a credit card are often avoiding their use because of the possibility that their card information may be exposed during the e-commerce payment process using the credit card.

On the other hand, the method of depositing through a bank account is relatively safe and accurate, but it is necessary to visit a bank in advance to open a bank account, and to perform complicated steps and authentication procedures when executing Internet banking or telebanking for money transfer. There is a condition that the balance of the transfer amount must be maintained in the account.

Recently, various electronic billing methods have been proposed to conveniently support Internet electronic payment. The typical method is to allow the public to call a specific phone number by using their own phone to raise money and raise funds. When the phone number is connected, an automatic telephone call is made to set the amount of money per call. There is an ARS-based electronic payment method of a relay payment method that charges the sum of the caller's telephone number.

The billing method using the ARS (automatic telephone answering function) is not suitable as a payment method for a fee for using paid information or a purchase price of goods on the Internet because the ARS payment amount is set in advance in a certain amount. The reason is that most internet paid contents are operated in a pay-as-you-go manner, so you can use the paid contents for the amount of time that you paid using ARS. This is because no money is returned.

An object of the present invention is to provide an electronic payment method using the ALS that can simply and conveniently pay the fee charged when using the Internet pay site using an automatic answering system of the phone.

Another object of the present invention to provide an electronic payment method using the ALS that can prevent the unfair use of the phone number of others at the time of electronic payment using the ARS.

Another object of the present invention is to manage the balance of the member account as the value of the available content available time of payment, and also operate in a money-pull method of pay-as-you-go to enable efficient use of the paid content and can also support payment of the purchase price of the product. The present invention provides an electronic payment method using an ALS.

1 is a system block diagram for the implementation of the present invention.

2 is a flowchart for explaining an implementation process of the present invention.

3 is a flowchart illustrating an electronic billing management method of a member account according to the present invention.

※ Explanation of symbols about main part of drawing ※

10: Electronic Billing Server 11: ARS System

12: Deposit Gateway 13: Account Management System

14: payment gateway 15: DB server

16: web server 17: telephone

18: User Computer 19: DB Server

20: Content Server

In order to achieve the above object, the electronic payment method of the present invention accesses an electronic billing server that supports ARS transfer payment and establishes a member account by applying for a member ID, opening a cyber account, and registering a user's telephone number. step; A user who opens a member account accesses an ARS system of a specified number by using a telephone of a registered telephone number for prepaying a payment required for using an internet pay site, and then inputs a member number and a password; Determining whether the telephone number of the telephone connected to the current ARS system is automatically matched with the registered telephone number after authentication of the registered member; If there is a match, transferring the transfer amount of the ARS set in advance to the account management system through the deposit gateway; If the wage is confirmed in the account management system, depositing the deposit amount in the cyber account of the member account; When using paid contents by the user, the member account balance and paid contents available time information are exchanged through the TCP / IP connection between the electronic billing server of the billing system and the server of the CP / ISP or the socket communication between each DB server. Withdrawing the charges from the member's cyber account and transfers the transfer to the CP or ISP through the payment gateway.

When explaining the present invention with reference to the accompanying drawings,

1 is a system block diagram for the implementation of the present invention. It is largely divided into ARS billing system block and paid content provider (or internet service provider) block.

The ARS billing system block includes an ARS system 11, a deposit gateway 12, an account management system 13, a payment gateway 14, an electronic billing server 10, and a DB server 15. The provider block is composed of a web server 16, a DB server 19, and a content server 20.

The DB server 15 in the ARS billing system block and the DB server 19 in the content provider block may be designed to enable socket communication for data exchange with each other, and the electronic billing server 10 in the ARS billing system block. ) And the web server 16 in the content provider block are configured to transmit and receive respective DB information through a TCP / IP connection.

The ARS system 11 is configured such that a telephone 17 or a mobile communication terminal is connected through a general telephone network (including a mobile communication network), and the electronic billing server 10 and the web server 16 are connected to a user computer through the Internet. 18) is configured to be connected.

The ARS system 11, if there is a connection of the phone 17 via the PSTN or the mobile communication terminal via the mobile communication network transfers the predetermined amount to the designated account and adds the corresponding amount of the transfer processing to the telephone usage price of the corresponding phone. To claim.

The account management system 13 accumulates the amount transferred from the ARS system to the cyber account of the registered member account and automatically pays the Internet paid content usage fee or the Internet purchase item price from the reserve.

The DB server 15 stores and stores information (ID, PW, designated phone number, etc.) of registered members.

The electronic billing server 10 provides billable information of a member who wishes to use the paid content to the web server 16 that provides the paid content.

Referring to the operation of the ARS payment system configured as described above are as follows.

First, when a user accesses an Internet site provided by the Internet electronic billing server 10 using his user computer 18, a member login is requested.

At this time, if you are a registered member, enter your registered ID and PW, and if you are a non-registered member, if you wish to electronic billing, go through the registration process as a new member and log in with that member ID and PW.

When registering a new member, it is possible to register one or two or more phone numbers to use ARS transfer payment in order to prevent unauthorized transfer of ARS payment amount.

When the user successfully logs in, the electronic billing server 10 transmits the member number to the account management system 13 to receive the amount information accumulated in the cyber account of the member stored in the DB server 15, and then the user computer 18 side. Provides to confirm the current reserve amount information.

In addition, when the user attempts to use the paid content by accessing the web server 16, the web server via the electronic billing server 10, the cyber account accumulated amount information (or accumulated time) stored in the DB server 15 of the member After confirming the available time of paying contents by reading the information), the use of paid contents is allowed.

In addition, information on the user who wishes to use the paid content is exchanged between the paid content available time information for a specific member through a socket connection between the DB server 15 in the ARS billing system and the DB server 19 on the content provider side. And their use may be allowed.

The information exchange between the ARS billing system and the content provider can be achieved through sharing or mutual recognition of member account information.

The account management system 13 converts each member's ARS transfer amount into a paid content using time value, and stores it in each member account and pays the amount corresponding to the using time when using paid content. Remittance can be made to the content provider. That is, in the account of each member's member account can be managed only by the time value for the paid content usage fee, and the actual cash flow can be managed to be made only through the respective deposit and withdrawal gateway in the account management system (13).

Here, the member number (ID) may be determined by the member's social security number or membership number or e-mail address or subscriber selection number.

When a user wants to deposit a certain amount into his / her cyber account, if the user accesses the ARS system such as 600 or 700 using the telephone number registered at the time of membership registration, the ARS system side will call the telephone number of the currently connected telephone. After the automatic recognition of the account management system 13 transmits the recognized phone number to check whether it is a number registered in advance of the member account through the DB server 15.

If the registered phone number is determined as a party user condition, the ARS payment amount is transferred to the account management system through the deposit gateway through the request for the input of the member number and password and confirmation thereof.

The authentication of the ARS system access telephone number and the authentication of the member number and the password are preferably performed simultaneously, regardless of the input and output.

The ARS system runs a settlement system for the transfer amount to the account management system and charges the amount equivalent to the telephone usage bill of the telephone.

At this time, the ARS payment amount is generally set to a predetermined amount, but according to the user's mode selection, the ARS system allows the ARS system 1 to immediately input the desired amount using the telephone key button. can do.

The account management system 13 calculates the value of available content available time compared to the additional ARS payment amount based on the transfer payment information, and adds the calculated information to the cyber account in the DB server 15 for each member. In this case, the amount information is managed by the account management system 13 and the actual paid content use value information is managed for each individual member account in the DB server.

On the other hand, the registered member uses the paid information on the paid content providing site affiliated with the website, or logs in to the website of the electronic billing system and links to the various paid contents servers 20 linked to the website of the website. The server may move to a shopping mall server, a paid information providing server, or the like to use paid content or purchase goods there.

In this case, each paid online game server, shopping mall server, and paid information providing server checks the account balance of the member through the web server, checks whether the payment is possible, and approves the use of the paid content or the purchase of the corresponding item. , The payment is received from the account management system 13 through the payment gateway 14. At this time, if the member manages the account management by the time value in the account management system 13, the time value corresponding to the use of the paid content or the purchase price of goods is deducted from the balance of the member account, and the corresponding amount is withdrawn (payment). Transfer the funds to the content provider or the seller of the goods through.

2 is a flowchart illustrating an electronic payment method according to the present invention.

As referred to herein, when a user who wants to use paid content or the like accesses the ARS electronic payment site using his computer, the electronic payment site requires a member number and password to be logged in.

If there is input of membership number and password, it confirms whether or not it is a registered member. Otherwise, it guides member registration and, if applicable, enters key information such as applicant's personal information, member number, password, and ARS access telephone number. Requires.

In this case, the membership number may be determined by the applicant's social security number or e-mail address, or a combination of numbers (letters) arbitrarily selected by the applicant.

Preferably, the ID is determined only by the number in consideration of the convenience of ARS operation.

In this way, when registering as a new member or an existing member successfully logs in, the electronic billing server outputs the balance information accumulated in the registered member's cyber account through the account management system.

The balance information may be displayed as an actual balance and a paid content available time value converted in units of time with respect to the balance.

When a user who successfully logs in by accessing an electronic billing server using a user's computer accesses ARS such as 600 or 700 to increase or increase his or her cyber account balance, the ARS system asks the telephone user to enter a membership number and password. And automatically recognizes the telephone number of the telephone connected to the ARS system.

The ARS system reads the registered phone number of the member recorded in the DB server through the electronic billing server and contrasts it with the phone number of the currently connected phone.

If the phone number of the currently connected phone and the registered phone number match, the already set amount (1000 won, 2000 won, 3000 won, 5000 won, etc.) is transferred to the account management system through the deposit gateway. Enter the amount of money paid to the Savior account, or the value of the paid content usage time corresponding to the transfer amount (earn).

At this time, the ARS system determines that the ARS incoming telephone number registered in the member account and the current ARS access telephone number do not coincide with illegal use and notifies the transfer for ARS payment.

Therefore, ARS transfer payment is only allowed if you use the phone number registered in advance, so that you can prevent the unauthorized transfer of ARS 1 call to your account using another person's phone. do.

On the other hand, if the current phone number read by the ARS system and the registered phone number of the member listed in the member account DB match, the amount other than the amount set for each ARS call (1000 won, 2000 won, 3000 won, 5000 won, etc.) In addition, the telephone accessor can immediately set the transfer amount using the key button of the telephone and have the set amount accumulated in cash or paid content use time value in the member account DB server through the account management system.

If you select paid service contents such as online games while the amount of paid contents is available in the cyber account, the corresponding content provider will accumulate (or accumulate) the accumulated amount in the member's account compared to the usage fee (or time). The usage time) is compared to determine whether the minimum available balance is held.

If the balance is less than the minimum available, request an increase in the account balance through ARS payment. However, if the current balance amount or time value exceeds the minimum available time, the condition (available time) to use the paid content with the current balance is displayed.

Each time a user uses paid content or purchases an item in a shopping mall and executes an electronic payment, the balance of the current member account is modified and notified to the user's computer.

3 is a flowchart illustrating a process of managing a member account of the present invention.

As referred to herein, when a member earns a certain amount in his account through ARS transfer, the account management system calculates the available time value for each paid content compared to the deposit amount and stores the time value information in the member account.

When using the paid site or purchasing items in the internet shopping mall with the accumulated time value, the amount of time value corresponding to the amount of the content, etc. is withdrawn from the member's account to deduct the current account balance, and the withdrawal time value Calculate the amount equivalent to and transfer the amount to the paid content provider or the product seller of the shopping mall.

That is, according to the present invention, the user can pay the fee for the paid content by pay-as-you-go method by operating the small amount of payment for the paid content or goods on the Internet by the ARS transfer. This will solve the user disadvantage problem.

As described above, the present invention has an effect of conveniently and reasonably paying the fee charged to the user when using the Internet pay site by using the transfer payment of the automatic answering system of the telephone.

In addition, the present invention is able to prevent the unfair use of another person's phone number at the time of electronic payment using the ARS.

In addition, the present invention manages the balance management of the member account as the value of the available content available time, and also pays in the form of pay-as-you-go, bringing the effect of significantly improving the degree of freedom of payment compared to the flat rate of the paid content.

Claims (3)

A person wishing to make an electronic payment through the Internet accessing an electronic billing server supporting ARS transfer and opening a member account such as applying for a member ID, opening a cyber account, and registering a use phone number; A user who opens a member account, accesses an ARS system of a designated number by using a telephone of a registered telephone number for pre-establishing a payment required for using an internet pay site, and inputs a member number and a password; Determining whether the telephone number of the telephone connected to the current ARS system is automatically matched with the registered telephone number after authentication of the registered member; If there is a match, transferring the transfer amount of the ARS set in advance to the account management system through the deposit gateway; If the wage is confirmed in the account management system, depositing the deposit amount in the cyber account of the member account; When using paid contents by the user, the member account balance and the paid contents available information are exchanged through the TCP / IP connection between the electronic billing server of the billing system and the server of the CP / ISP or the socket communication between each DB server. Withdrawing minutes from the member's cyber account and transfers the transfer to the CP or ISP side through the payment gateway. The method of claim 1, wherein the ARS transfer amount to be transferred to the member account is immediately set by using a key button of the connected telephone when the telephone number of the telephone connected to the current ARS system matches the telephone number registered in the member account. Electronic payment method using the ALS, characterized in that the input. A person wishing to make an electronic payment through the Internet accessing an electronic billing server supporting ARS transfer and opening a member account such as applying for a member ID, opening a cyber account, and registering a use phone number; A user who opens a member account, accesses an ARS system of a designated number by using a telephone of a registered telephone number for pre-establishing a payment required for using an internet pay site, and inputs a member number and a password; Determining whether the telephone number of the telephone connected to the current ARS system is automatically matched with the registered telephone number after authentication of the registered member; If there is a match, transferring the transfer amount of the ARS set in advance to the account management system through the deposit gateway; When a wage is made in the account management system, the deposit amount is converted into the available time value for each paid content and accumulated in the member account; When using paid content, the corresponding time value is withdrawn from the total available time value for each paid content stored in the member account, and the amount corresponding to the time value is transferred to the corresponding paid content provider through the payment gateway. Electronic payment method using the ALS, characterized in that it comprises a step.