KR200202696Y1 - Credit settlement device using mobile communication number - Google Patents

Abstract

The present invention relates to a credit settlement device for credit settlement using a mobile communication phone number, in particular, credit information data storage unit 41, credit approval history data storage unit 42, credit information database management unit 43, Credit settlement approval settlement section (44), payment claim confirmation and credit verification unit (45), credit settlement approval unit (46), customer management device connection unit (47), short message sending device connection unit (48) and seller computer system It is composed of the connection unit 49, by confirming the buyer's original authentication name and credit settlement details lacking in the credit approval process of the existing credit settlement method to use the mobile phone number as a reliable credit settlement means.

Description

Credit settlement device for mobile payment by credit phone number {Credit settlement device using mobile communication number}

The present invention relates to a credit settlement device for credit settlement using a mobile phone number, and more particularly, by adding the purchaser's main authentication name and credit settlement verification step in performing a credit settlement through a credit card and electronic commerce on the Internet. It is designed to use mobile phone number as a reliable credit settlement method.

In the conventional credit settlement, the most widely used method of credit settlement in general and electronic commerce is by credit card. The approval process of credit settlement using such credit card is usually a credit approvers. And, the credit settlement approval is processed between the seller and the buyer through the verification procedure as shown in FIG.

That is, when a buyer selects a product (or service) and presents a credit card for payment for the selected product (1 in Fig. 1a), the seller enters the credit card and the payment amount into the credit card terminal and accepts the credit approval. (② of FIG. 1A), the credit approval approverer checks the credit of the entered credit card number and if the approval is possible for the billed amount, the authorization number is sent to the seller's credit card terminal (③ of FIG. 1A). ), The seller records the charge amount and the authorization number on the credit card payment sheet and requests the buyer to sign it (④ in FIG. 1A). Accordingly, the buyer confirms the transaction details and the amount written on the payment sheet, and if they agree, When the signature is returned to the seller, the approval process is completed (⑤ in FIG. 1A).

In the approval process for the credit settlement of such credit card, the approval of the approval of the purchaser's approval of the purchaser's main authentication name and the contents of the credit request is immediately approved, as the approval of the payment is approved only by the exchange of information with the seller. It will not be sent to the approver, and the approval of the payment will only be approved by the seller.

Therefore, if the seller makes an illegal payment request (or if the payment is made by a buyer who illegally copies another person's credit card), the payment approver and the buyer pay the credit approval stage and the seller. This is not known at the step (ie, ⑥ in FIG. 1A), and when the payment approver issues a bill for payment (⑦ in FIG. 1A), and the buyer confirms the transaction and disputes the payment (FIG. 1A). Only ⑧) can recognize illegal use.

On the other hand, in the case of using a credit card (phone banking, etc.) by conventional e-commerce or telephone call on the Internet, credit approval is confirmed only by verifying the credit card number, expiration date and password. (Or an illegal purchaser who knows the credit card number of another person) can easily request the approval of the credit card of the person in step ② of FIG. 1 (a), in which case, steps ④ of FIG. 1A and ⑤ of FIG. 1A. The purchaser will approve the credit settlement, ignoring the transaction verification and signing process.

Therefore, in this case, there is a serious problem that illegal credit approval is approved without defense within the credit limit of the credit card.

In addition, since the e-commerce is formed through the network, users do not meet each other, which is an advantage of the e-commerce, but on the contrary, it is not easy to authenticate each other's identity.

In addition, the conventional electronic payment methods of banks and the like have secured safety due to the use of a dedicated line that allows only the connection of related organizations or the closure of an internal system such as a solid computer center that does not allow intrusion from the outside.

However, in the current Internet, information of each individual, company, or government is easily transmitted to the other party through the Internet. Conversely, this information can be easily accessed by others through the Internet.

Moreover, with the development of the World Wide Web (WWW) technology, general users can easily access such information, and the security problems of electronic commerce such as user authentication, personal privacy and personal information on the Internet have emerged as important tasks. have.

In order to secure such e-commerce on the Internet, it is urgently necessary to confirm that the other party is the person who is the first person and to prevent the illegal acquisition of information by copying the transaction information.

In other words, there should be a structure that proves the identity of the counterparties, proves that there is no injustice in the transaction details, and suggests a method of ensuring confidentiality so that the transaction details are not exposed to third parties, and the modification or transaction of the transaction contents is presented. We need a way to make this fact or content undeniable

The serious problems of the conventional credit settlement technology and Internet e-commerce are caused by the following fundamental and structural problems.

First, there is a structural problem in which the credit approval approver and the seller cannot trust the buyer's authentic name. Second, the approval of the payment approver managing the buyer's property (credit) in the approval process confirms the buyer's direct confirmation of the transaction. Without approval, since the payment is approved based on the seller's request for payment, there is a structural problem that may occur when the buyer does not know the seller's transaction details and the payment amount requested by the credit approvers.

Third, the credit card number, expiration date, password, etc., which are used as a verification method when approving payments are fixed information, and a structural problem that such information is likely to be leaked to the seller (or other person) during the real commerce or electronic commerce. In addition, in the case of electronic commerce on the Internet, such information is often stored on the seller's computer, and the stored data is leaked to the seller or others through illegal copying, reuse, or information theft (hacking, etc.) Accidents that are reused in practice are actually occurring frequently.

The present invention was devised to solve the problems of the existing credit settlement and Internet e-commerce. The mobile communication number is confirmed by confirming the purchaser's name and credit settlement that are lacking in the credit approval process of the existing credit settlement method. The purpose of the present invention is to provide a credit settlement system for credit settlement using a mobile communication phone number that can be used as a reliable credit settlement means.

An object of the present invention described above is to provide a credit settlement device that enables payment by using a mobile communication phone number by interconnecting a purchaser's mobile communication terminal and a plurality of merchant computing devices through a mobile communication network control unit of a mobile communication service provider. In the configuration, the credit information data storage unit, credit approval history data storage unit, credit information database management unit, credit settlement approval settlement unit, payment claim confirmation and credit confirmation unit, credit settlement approval unit, customer management device access unit This can be achieved by constructing a short message sending device connection part and a seller computer system connection part. Therefore, it can be achieved by processing the credit approval through the following confirmation procedure between the credit approval applicator, the seller, and the buyer.

That is, when a user wishes to perform credit settlement using a mobile communication phone number under the specific configuration of the credit settlement approval apparatus presented above, the buyer first selects a product (or service) and pays for the selected product. Presenting a mobile communication phone number (1 in FIG. 1b); Seller sends a mobile communication phone number and transaction details (purchase history, billing amount, etc.) to the credit settlement approvers to request credit status confirmation (2 in FIG. 1b); If the credit settlement approver can check the credit of the mobile phone number for the transaction that is requested to be confirmed and can approve the billed amount, the transaction confirmation number is issued and the short message service is provided to the buyer's mobile phone number. Transmitting through a wireless Internet service) (3 in FIG. 1B); The purchaser checks the credit settlement claim through the short message service (or wireless Internet service) received by his mobile communication terminal, and if he agrees, informing the seller of the received transaction confirmation number along with the claim (FIG. 1b). ④) and; Seller sends a transaction confirmation number received from the buyer to the credit approval approvers to request credit approval (⑤ in FIG. 1B); If the transaction confirmation number issued by the credit approval person to the buyer and the transaction confirmation number received from the seller match, the credit settlement approval is made to the seller (⑥ in FIG.

In the step of approving the credit settlement (⑥ in Fig. 1b), the credit approval applicator transmits the credit approval approval result to the buyer through a short message service (or wireless Internet service) so that the buyer knows whether the approval is approved ( It can be achieved by adding ⑦) of FIG. 1B to the confirmation procedure between the trading parties.

In addition, an additional object of the present invention is to provide a credit card for a purchaser who uses a mobile telephone number to make a credit by exchanging information between a payment approver and a seller, a payment approver and a buyer, and a seller and a buyer. A verification step of authenticating whether the mobile phone number is the real owner; The mobile phone number can be used as a reliable credit settlement means by verifying the transaction history in a manner that allows the purchaser to confirm the transaction of the seller and approving the credit settlement after the credit approval approves each step. It is.

1 is a conceptual diagram of a confirmation process between the parties to the transaction in the credit approval process for comparing the prior art and the present invention,

Figure 1 (a) is a schematic diagram of the verification process between the parties to the transaction in the credit approval process of the conventional (credit card, etc.).

Figure 1 (b) is an overview of the verification process between the parties in the credit settlement approval process according to the present invention.

Figure 2 is an overall block diagram of a credit settlement system associated with the subject innovation device.

Figure 3 is a detailed block diagram of the device of the present invention.

Figure 4 (a) is a configuration diagram of the interworking with the customer management device of the mobile communication network control unit for establishing a credit information database. Figure 4 (b) is credit information that must be received from the customer management device of the mobile communication network control to build a credit information database. Figure 5 is an illustration of a short message for the transaction history and transaction confirmation number appearing in the text display window of the mobile communication terminal to which the present invention is applied. Explanation of symbols on the main parts of the drawings

1: Mobile communication network control unit 2: Buyer

3: general commerce and e-commerce network 4: credit approval system

11: customer management device 12: door message transmission device

21: Mobile communication terminal 31: Computer equipment for sellers

41: credit information data storage 42: credit approval history data storage

43: Credit Information Database Management Department

44: Settlement of credit approval

45: Confirmation of payment details and credit verification department

46: Credit settlement approval department

47: customer management device connection

48: short message sending device connection

49: merchant computer system connection

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

Figure 2 shows a block diagram of the entire credit settlement system associated with the subject innovation device, Figure 3 shows a detailed block diagram of the subject innovation device, Figure 4 (a) is for building a credit information database Figure 4 shows the interworking configuration with the customer management device of the mobile communication network control unit, Figure 4 (b) shows the credit information that must be received from the customer management device of the mobile communication network control to build a credit information database, Figure 5 is the present invention An example of a short message about a transaction history and a transaction confirmation number that appears in the text display window of the mobile communication terminal is applied.

The credit settlement system using the mobile phone number to which the present invention is applied has a customer management device 11 and a short message sending device 12 as shown in FIG. A mobile communication network controller 1 of a mobile communication service provider for performing mutual communication through an IP method and transmitting a short message to the mobile communication terminal 21 of the purchaser 2; Credit approval device for performing the credit approval process of the specific buyer requested by the seller by performing mutual communication with the mobile communication network control unit 1, including the general commerce and the e-commerce network (3) through the TCP / IP method (4) )and; Enter or verbally communicate your mobile phone number to the computer network when you use electronic commerce or information through the internet for merchants and the Internet, or when you order goods orally at a general store. At the same time, the mobile communication terminal 21 for the purchaser 2 who checks the transaction content and the transaction confirmation number received from the mobile communication network controller 1 and inputs orally notifies the transaction confirmation number to the computer network 31 or not. )Wow; General commerce and electronic commerce network (3), and the transaction history and mobile communication phone number, etc. according to the buyer's request to the credit settlement approval device (4) to request credit verification and received from the buyer (2) The transaction confirmation number and the transaction details are made up of a plurality of electronic devices 31 for sellers, which are notified to the payment applicator again through a computer network and receive credit approval. As described above, a credit settlement device of the present invention, which allows the payment to be performed using a mobile communication phone number, is shown in FIG. Stores the credit information data that stores the mobile phone number subscribed to the mobile communication service and the credit information of each mobile phone number and selectively outputs the corresponding information when requested by the credit information database manager 43. Section 41; A credit settlement approval data storage unit 42 for storing the credit settlement approval result and selectively outputting corresponding information when a request for credit settlement approval settlement unit 44 is requested; Accessing the credit information data storage unit 41 manages the data and at the same time the information output from the credit information data storage unit 41 checks the payment details and credit confirmation unit 45 and credit approval unit 46 A credit information database manager 43 for selectively outputting the data to a credit card; Access to the credit settlement approval data storage 42 to manage data and to settle the credit settlement approval history interconnected with the customer computing device 31 for merchants and the customer management device 11 of the mobile communication service provider Section 44; Receives the credit settlement confirmation request including the mobile communication number and transaction details of the buyer 2 from the computer 31 for the seller, checks the credit information, and checks the credit information with the short message transmitting device 12 of the mobile communication network controller 1. A payment request confirmation and credit confirmation unit 45 which sends a transaction confirmation number and credit transaction details to the mobile communication terminal 21 of the buyer through the connection; Receives a request for credit approval from the computer system 31 for the seller, and compares the transaction confirmation number included in the credit approval request with the transaction confirmation number sent from the payment request confirmation and the credit verification unit 45 and approves the transaction. A credit approval approval unit 46 for determining whether to notify the seller of the computing device 31 and the purchaser 2's mobile communication terminal 21; A customer management device connection unit 47 for establishing a communication network by connecting the customer management device 11 of the mobile communication network controller 1 with a TCP / IP protocol; A short message sending device connection unit 48 connected to the short message sending device 12 of the mobile communication network controller 1 through a computer network; Characterized in that it consists of a merchant computer system connection unit 49 for connecting to a computer network of a plurality of merchant computer devices (31). At this time, the credit information data storage unit 41, credit approval history data storage unit 42, credit information database management unit 43, credit approval history settlement unit 44, payment request confirmation and credit confirmation The unit 45, the credit settlement approval unit 46, the customer management device connection unit 47, the short message sending device connection unit 48 and the seller computer system connection unit 49 are driven by a microcomputer or a control computer (not shown). Various data or information to be controlled and input from the outside can be input through an input device (for example, a keyboard, etc.) not shown. In other words, the device of the present invention interworks with the customer management device 11 and the short message sending device 12, which are the existing devices of the mobile communication network controller 1, in order to utilize the existing mobile communication service of the mobile communication provider. TCP / IP is used as the interworking method.

In addition, since it must also interwork with the computer 31 of the seller, the computer 31 of the seller and the computer network, and uses the TCP / IP method as the interworking method.

In addition, the purchaser must be a mobile communication customer owning a mobile communication telephone number (and the mobile communication terminal 21), and the credit settlement approval device (4), which is a credit approval applicator, is a short message service that is a purchaser and an existing mobile communication service. In this case, the buyer communicates with the seller through e-commerce through the Internet, product orders over the telephone, or verbally orders or receives information from the seller.

At this time, the credit settlement approval device 4, that is, the present invention, the credit information data storage unit 41, credit approval history data storage unit 42, credit information database management unit 43, credit as described above Payment approval history settlement unit (44), payment claim confirmation and credit verification unit (45), credit approval unit (46), customer management device connection (47), short message sending device connection (48) and seller computer system connection (49), the credit approval process can be performed to the specific buyer's mobile phone number requested by the seller.

On the other hand, in the approval method using the device of the present invention, the credit approval approval apparatus 4 establishes a credit information database for the mobile communication telephone number, and the buyer 2 establishes an Internet e-commerce (or a store of real commerce, Or select a product (or service) from the telephone of the door-to-door sales, and charge the credit using the mobile communication number.

Therefore, the transaction information (transaction number, mobile phone number, seller's name, charge amount, product list, etc.) is transmitted from the computer device 31 to the credit approval device 4 through the computer network to confirm the transaction. You will be asked.

Therefore, the credit settlement approval apparatus 4 of the present invention evaluates whether credit settlement is possible for the mobile communication phone number and transaction details (billing amount) received from the credit settlement approver. The received transaction details and transaction confirmation numbers are notified to the mobile communication terminal 21 of the purchaser 2 through a short message service (or wireless Ethernet service) of the mobile communication network controller 1 which is an existing mobile communication service network.

Therefore, the purchaser 2 can check the transaction confirmation and transaction confirmation number requested from the payment approval through the mobile communication terminal 21, the transaction approval request.

In this way, the purchaser 2 can confirm the transaction by notifying the seller (over the Internet, by phone, or orally) of the transaction confirmation number received from the payment approver via his mobile communication terminal 21. On the other hand, the seller computer 31 is notified of the transaction confirmation number and the transaction details received from the buyer to the credit approval approval device (4), the payment approval through the computer computer network request for credit approval.

If the credit settlement approval device 4, which is the credit settlement approval person, compares the transaction confirmation number received from the computer 31 of the seller with the transaction confirmation number previously sent to the buyer, the credit settlement is approved.

In addition, the credit settlement approval apparatus 4 notifies the seller (or seller and buyer) of the credit settlement approval result, records the credit settlement approval history of the approval authority, adjusts the credit limit, and then charges the credit settlement. (Storage), and the credit settlement factor will settle the credit approval approval by seller.

In this way, the approval method using the present invention device, in the credit approval stage, the information between the payment approver and the seller, the payment approver and the buyer, and the seller and the buyer, and the transaction confirmation number is the credit approval approver (4) generates and sends a phone number to the mobile communication terminal 21 of the buyer having a predetermined telephone number, and the buyer notified of the notification is notified to the seller, and the seller returns the transaction confirmation number notified through the buyer. The credit settlement approval device (4), which is sent to the credit settlement approver, compares the transaction confirmation number generated within itself with the transaction confirmation number received from the seller through each step, and then the credit settlement approval is performed. , The credit settlement approver and the seller can clearly verify that they are the actual owners of the mobile phone number presented by the buyer. have.

In addition, by allowing the buyer to confirm the transaction details of the seller as described above, the transaction details presented by the seller can be clearly confirmed by the buyer and the approvers, and the credit approval apparatus 4 can confirm each verification step. According to this, credit settlement and credit settlement can be reliably performed.

On the other hand, in order to explain in detail the approval method using the device of the present invention, through a preferred representative embodiment of the present invention, including the configuration of the system for performing each step in more detail in the implementation method as follows.

First, in the credit settlement apparatus using the mobile communication telephone number of the present invention, the credit settlement procedure and method performed by the credit approval applicator and the seller and the buyer are led by the credit approval method on the credit approval side.

In other words, the seller and the buyer can perform a credit transaction in accordance with the rules set forth by the credit approval apparatus, which is the credit approval authority.

Therefore, the present embodiment will be described focusing on the credit approval method of the credit approval apparatus.

The credit settlement approval method of the credit settlement side may be ultimately implemented as a credit settlement device using a mobile communication telephone number of the present invention and software of a computer system.

Such a credit settlement device using a mobile communication telephone number includes a credit settlement device, which is a credit settlement approver, including an existing mobile communication network control unit 1 and a commercial computing device 31 having an existing general commerce and e-commerce network 3. The approval device 4 and the purchaser 2 of the mobile communication terminal 21 is configured to operate in conjunction with each other.

Hereinafter, the implementation of the credit approval in the present invention as described above in more detail.

A. When constructing a mobile phone number credit information database, the credit approval device 4 constructs a database of credit information that is referred to to determine whether the mobile phone number has been approved for credit. As shown in (b) of FIG. 1, the mobile communication telephone number, the current credit limit for each phone number, and the like, which are essentially used for credit approval, are transmitted from the customer management apparatus 11 of the mobile communication network controller 1. The credit information data is stored in the storage unit 41.

In this case, the credit settlement approval device 4 may exchange information with the customer management device 11 of the mobile communication network control unit 1 through the computer network as described above, and if necessary, own the mobile communication telephone number. Information about the customer (name, address, social security number, other information, etc.) can be sent.

In addition, the mobile phone number is first received all registered mobile phone number subscribed to the mobile communication service and registered, and after that received a new phone number to register additional registration, and canceled the mobile communication subscription Receive a phone number and delete it.

On the other hand, the credit limit for the mobile communication telephone number is a post-paid service charge receiving type mobile communication service which is currently used the most, and the mobile communication network controller 1 sets a credit limit for the mobile communication telephone number. After receiving the monthly mobile communication charges (including credit settlement), the credit limit can be newly renewed and recorded in the credit limit of the corresponding telephone number.

In the case of a mobile communication service with a pre-paid service fee payment method, the phone number is credited in real time to the currently available limit (balance) of the mobile communication fee (including credit settlement) paid by the customer in advance. It should be written to the limit.

B. When selecting a product (or service) and requesting a credit payment using a mobile phone number, the buyer selects the product (or service) at the seller's store (or on-line shopping malls or visiting sellers). In addition, as a step of claiming a payment using a mobile communication telephone number in return, the buyer as a mobile communication subscriber selects a product (or service) at the seller's store in the real commerce.

At this time, the purchaser who is a mobile subscriber may select a product (or service) in the Internet shopping mall, and the seller is in the case of door-to-door sales through a telephone. The buyer can also select a product (or service) over the telephone, which informs the seller of the mobile telephone number as a means of paying for the selected product.

In addition, at this time, the purchaser may enter the mobile communication telephone number into the mobile communication telephone number input section of the billing screen of the Internet shopping mall as a means of paying for the selected product, and the seller in the case of the door-to-door sales through the telephone, etc. May inform the seller of the mobile telephone number over the telephone.

C. When requesting transaction confirmation by sending transaction details to credit approval applicator, as a result of the above-mentioned request, the seller who received the credit settlement for mobile phone number generates a transaction number which is a unique number for the transaction. And a transaction history including a seller's name, a mobile communication telephone number received from the buyer, a product list selected by the buyer, and a billing amount which is the sum of the product prices, and the transaction history is transferred to the credit approval device through the computer network. Transmitting, requesting transaction confirmation.

D. When evaluating whether credit settlement is possible for the mobile phone number and transaction details, the credit approval device, which has requested transaction confirmation from the seller as a result of the above request, confirms the registration of the mobile phone number and The credit limit evaluates whether credit settlement is possible for the transaction amount received from the seller.If the credit settlement is possible as a result of the above evaluation, the transaction confirmation procedure is performed, and if the credit settlement is impossible, the seller is notified. Notify of transaction confirmation and reason for rejection.

At this time, if the telephone number is registered, but the transaction confirmation is rejected due to the credit limit, the reason for rejecting the transaction confirmation is made, and it is converted into a short message and sent to the buyer's mobile communication terminal and the buyer rejects the transaction confirmation. You can also check why.

E. When notifying the buyer of the transaction details and transaction confirmation number, if the credit evaluation is possible as a result of the above evaluation, the credit approval apparatus generates a transaction confirmation number that the buyer can use in the next transaction confirmation. The transaction confirmation number and the transaction history previously received from the seller are converted into a short message and transmitted to the purchaser's mobile communication terminal using the short message service which is an existing mobile communication service.

At this time, the credit approval device 4 records the transaction number and transaction confirmation number in the transaction number and transaction confirmation number in the form as shown in Figure 4 (b) in the credit information data storage unit 41 of the corresponding phone number In case of approval of credit, it should be used as information confirming the transaction confirmation procedure between seller and buyer.

F. When confirming the transaction history, the most important of the features of the present invention, the buyer can confirm the transaction history and transaction confirmation number received in their mobile communication terminal 21.

At this time, the transaction details, such as the information about the seller who charged the payment, the billing amount of payment, the details of the goods billed for payment, etc. are displayed, so that the buyer confirms the transaction details after confirming the transaction details and confirms the transaction. If you disagree with the transaction details, you can ignore the previous payment procedure arbitrarily, so all the proceedings up to this point will be automatically canceled. If the transaction confirmation number is not notified to the seller, all the above transaction procedures are automatically canceled).

When the purchaser confirms and agrees to the transaction details received at his mobile communication terminal, the purchaser may check the transaction confirmation number displayed on the terminal, wherein the transaction details are based on the specification of the purchaser's mobile communication terminal (see FIG. b) In the terminal type) is displayed in a form suitable for the short message display method of the terminal.

G. When confirming a transaction by notifying the seller by confirming the transaction confirmation number, if the buyer agrees to the transaction details as a result of confirming the details of the payment request, the buyer will generate and notify the buyer and the buyer confirms Inform the seller of the transaction confirmation number to confirm the payment.

In this case, if the seller is a physical store, the buyer may verbally inform the seller of the transaction confirmation number. Also, if the seller is a shopping mall on the Internet, the buyer may enter the same number on the transaction confirmation number input screen of the Internet shopping mall. In the case of door-to-door sales, the buyer may inform the seller of the transaction confirmation number by telephone.

H. When requesting credit approval by notifying the credit approval applicator of the transaction confirmation number, the seller sends the computer confirmation network with the transaction confirmation number along with the transaction number to the credit approval approval device (4). It is possible to request credit approval by sending it through. At this time, the transaction history sent in the transaction confirmation request step may be transmitted again to increase the reliability of credit settlement.

I. Upon confirming the transaction confirmation number and approving the credit settlement, the credit settlement approval device 4 responds to the credit settlement approval request received from the seller as a result of the credit settlement approval request, the transaction confirmation number received from the seller, and the buyer. The transaction number received from the seller and the transaction number received from the seller, and the credit information database (FIG. 5B) when notifying the buyer. If both the transaction confirmation number and transaction number match as a result of the comparison compared to the transaction number recorded in the transaction number section, the credit settlement is approved. If the transaction result number or transaction number does not match, the credit settlement is not approved.

In this case, if the credit settlement is not approved, the credit settlement notification is notified to the seller, and the buyer cannot send the credit settlement reason and transaction details to the buyer's mobile communication terminal as a short message.

J. When notifying the seller (or the seller and the buyer) of the credit approval result, if the credit approval is approved as the result of the above approval, the credit approval approval device 4 sends the credit approval result to the computing device for the seller. Notify (31).

In addition, the credit settlement approval result may be converted into a short message and transmitted to the purchaser's mobile communication terminal 21 through a short message service.

K. When adjusting credit limit records and adjusting credit limits, if the credit approval is approved as the result of the approval mentioned above, the credit approval apparatus 4 records the credit approval details in a database, and subsequently It can be used to settle the credit settlement details, and adjust the credit limit by subtracting the settlement amount of the credit approval approval from the credit limit for the corresponding phone number recorded in the credit information database. Record in the credit limit section, and transmit the payment amount of the credit approval details to the customer management device of the mobile communication network controller.

At this time, in the mobile communication service of the prepaid fee payment method, the credit approval approval is transmitted in real time to the customer management device of the mobile communication network controller. In the mobile communication service of the postpaid fee payment method, it is settled in real time transmission or periodically (monthly basis). Send the content.

L. When billing (receiving) the payment, first, in the prepaid mobile communication service, if the mobile network controller is responsible for receiving the credit payment, the credit payment is made in real time upon approval of the credit from the amount prepaid by the mobile communication customer. The way of claiming (receiving) is to reduce the amount of credit payment from the amount prepaid.

The credit settlement approval device notifies the customer management device of the mobile communication network control unit in real time at the same time as the credit settlement approval and requests to automatically receive the credit settlement price from the purchaser's telephone number (the credit settlement amount is reduced from the prepayment).

Second, when the mobile network controller is responsible for storing credit settlement in the postpaid mobile communication service, the mobile network controller adds and stores the amount used for credit settlement when issuing its communication bill.

In this case, the credit settlement approval apparatus calculates and transmits the credit settlement approval details to the mobile communication network control unit so that the customer management system of the mobile communication network control unit adds the amount used for the credit settlement when issuing its communication bill. .

Third, if the credit settlement applicator is responsible for storing the credit settlement, in the case of prepayment, the credit settlement amount is reduced in real time at the same time as the approval of the credit settlement from the amount prepaid. Accumulate the amount so that it can be used when issuing the bill.

M. When settlement of credit approval by seller, the credit approval system classifies the credit approval details by seller, calculates the fees agreed between the credit approval and the seller, and calculates the settlement with the seller. Do it.

The above embodiment is one example for explaining the operation relationship of the device of the present invention, according to the application method for each step, various embodiments are possible.

In particular, in the approval step and the embodiment described above, each step has been described as a credit settlement using a mobile communication telephone number and the term for this, but if the credit settlement charge is 0 won in each step, the credit using the inventive device The payment method can be used as a user authentication method for a mobile phone number.If the customer information for the mobile phone number is requested instead of the credit approval, the customer can obtain the customer's consent to disclose the mobile phone customer information. It can also be used as a way to provide customer information.

On the other hand, when an Internet service provider needs to verify the subscription of the mobile phone number and the actual owner of the mobile phone number in order to present the mobile phone number from the Internet service customer and use it as proof of identity, A mobile communication telephone number authentication method for the purpose of providing a mobile communication telephone number authentication service to the Internet service provider as described above is as follows.

Mobile phone number With the credit information database in place, an Internet service customer selects an Internet service provider's product (or service) on the Internet and presents the mobile phone number for identification purposes. The use of the mobile phone number and the phone number authentication information is transmitted to the authentication system to request verification of the mobile phone number.

Therefore, the phone number authentication system confirms the registration of the mobile communication phone number, and the phone number authentication system notifies the Internet service customer of the use of the confirmation number and the phone number authentication information through the short message service which is an existing mobile communication service. After that, the Internet service customer can check the usage of the phone number authentication information received from the phone number authentication system through his mobile terminal.

As such, the Internet service customer may notify the Internet service provider of the confirmation number received from the phone number authentication system through his mobile communication terminal, and the Internet service provider may notify the phone number authentication system of the confirmation number received from the Internet service customer.

Thereafter, the phone number authentication system compares the confirmation number received from the Internet service provider with the confirmation number sent to the Internet service customer in the previous step, and performs authentication of the mobile communication phone number of the Internet service customer. Notify the Internet service provider (and the Internet service customer) of the result of the authentication of the mobile phone number of the Internet service customer, record the authentication details of the Internet service customer, and settle the fee for the authentication details of the Internet service customer by Internet service provider. The phone number is verified.

On the other hand, in the above, in order to use the Internet service provider as a proof of identity by receiving the mobile phone number from the Internet service customer, and confirming whether the mobile phone number subscription, and whether or not the actual owner of the mobile phone number, When customer information (name, address, or social security number, etc.) of the mobile telephone number is needed, the telephone number for the mobile telephone number authentication service, which provides the above-mentioned verification and customer information providing service to the Internet service provider. The authentication system checks whether the customer information of the mobile phone number is provided to the Internet service provider to the mobile communication customer. The information on the use of the phone number authentication information is included in the usage information of the mobile service provider. Ask the telecommunications customer to confirm and notify the internet service provider of the authentication result. In addition to the contents, the Internet service provider requests and sends the customer information data confirmed by the mobile communication customer to the Internet service provider.

In the method of notifying the buyer of the transaction details and the transaction confirmation number, the credit settlement applicator may adopt a method of notifying the Internet service customer of the confirmation number through the wireless Internet service of the mobile communication service.

As described above, according to the device of the present invention, the mobile communication phone number can be used as a reliable credit settlement means, and it is possible not only to secure the reliability of payment approval, but also to provide a good payment means for sellers and buyers. do.

In addition, the seller fully provides the buyer's identity verification, secures a large number of mobile communication customers as a product buyer, and allows the buyer to check the billing details of the seller's billing. It can be.

On the other hand, the mobile communication network control unit can add the credit settlement amount to the existing communication rate, and can receive the credit settlement amount by utilizing the existing billing, storage organization and system, so that the credit settlement fee income can be obtained without additional investment. In addition, the company's customer service and promotions can be achieved.

In addition, with the development of mobile communication services, all individuals will have mobile phone numbers, and mobile phone numbers will develop into another unique number for each person, and with the increase of Internet users, It is expected that the demand for credit settlement of various methods secured in e-commerce will increase. In particular, the credit settlement method using the mobile telecommunication phone number as the present invention will be used as a means of reliable credit settlement in e-commerce. It is a very useful design, as it is expected to contribute greatly to the promotion of commerce.

Claims (1)

In connecting the mobile communication network control unit of the mobile communication provider, the mobile terminal for purchasers and the computer for the seller to configure a credit approval device for performing a credit payment using a mobile communication telephone number, Stores the credit information data that stores the mobile phone number subscribed to the mobile communication service and the credit information of each mobile phone number and selectively outputs the corresponding information when requested by the credit information database manager 43. Section 41; A credit settlement approval data storage unit 42 for storing the credit settlement approval result and selectively outputting corresponding information when a request for credit settlement approval settlement unit 44 is requested; Accessing the credit information data storage unit 41 manages the data and at the same time the information output from the credit information data storage unit 41 checks the payment details and credit confirmation unit 45 and credit approval unit 46 A credit information database manager 43 for selectively outputting the data to a credit card; Access to the credit settlement approval data storage 42 to manage data and to settle the credit settlement approval history interconnected with the customer computing device 31 for merchants and the customer management device 11 of the mobile communication service provider Section 44; Receives the credit settlement confirmation request including the mobile communication number and transaction details of the buyer 2 from the computer 31 for the seller, checks the credit information, and checks the credit information with the short message transmitting device 12 of the mobile communication network controller 1. A payment request confirmation and credit confirmation unit 45 which sends a transaction confirmation number and credit transaction details to the mobile communication terminal 21 of the buyer through the connection; Receives a request for credit approval from the computer system 31 for the seller, and compares the transaction confirmation number included in the credit approval request with the transaction confirmation number sent from the payment request confirmation and the credit verification unit 45 and approves the transaction. A credit approval approval unit 46 for determining whether to notify the seller of the computing device 31 and the purchaser 2's mobile communication terminal 21; A customer management device connection unit 47 for establishing a communication network by connecting the customer management device 11 of the mobile communication network controller 1 with a TCP / IP protocol; A short message sending device connection unit 48 connected to the short message sending device 12 of the mobile communication network controller 1 through a computer network; Credit settlement device for credit settlement using a mobile communication phone number, characterized in that consisting of a merchant computer system connection unit 49 for connecting to a computer network of a plurality of merchant computer devices (31).