KR20030051572A - Transit method of van system within wire and wireless integration for credit settlement and settlement agency - Google Patents

Abstract

PURPOSE: A method for relaying a credit payment and a payment agency of a wire/wireless integrated VAN system is provided to secure a safe sale of a member store and execute a rapid price payment through a conventional value added network. CONSTITUTION: A payment requester(20) or a payer(10) requests a payment execution to a wire/wireless integrated VAN system(100) using communication terminals(50)(1). The wire/wireless integrated VAN system(100) processes a member store or member authentication process(2). The payment requester(20) or the payer(10) transmits member store information request data or user information authentication data to the wire/wireless integrated VAN system(100) using one terminal(3). The wire/wireless integrated VAN system(100) transmits an authentication and credit payment process judging result to the requester(20) or the payer(10) using a communication infra of a wire/wireless communication company(4). The wire/wireless integrated VAN system(100) transmits payment price remittance request data to a financial institution(30) in real time(5). The financial institution(30) remits the commodity payment price promptly(6). The wire/wireless integrated VAN system(100) receives remittance result data and payment agency data from the financial institution(30)(7). The wire/wireless integrated VAN system(100) creates payment agency completion data and payment agency process result data based on the received data and stores the data in a communication payment DB(200)(9). The financial institution(30) and the wire/wireless communication company(4) calculate a payment agency fee interactively(9).

Description

TRANSIT METHOD OF VAN SYSTEM WITHIN WIRE AND WIRELESS INTEGRATION FOR CREDIT SETTLEMENT AND SETTLEMENT AGENCY}

The present invention relates to a credit settlement and settlement agent relay method of a wired / wireless integrated van system, and more specifically, a bansa that utilizes a value added network (VAN) infrastructure does not go through a credit card company, but a credit between a member who is an individual user and a merchant that is an enterprise user. The present invention relates to a credit settlement and settlement agency relay method of a wired / wireless integrated van system that presents a series of settlement and settlement agency settlement methods.

In general, Ban's business uses value-added communication networks, namely, Van's credit and debit card systems, which allow card users (consumers) to conduct credit transactions through a checker (terminal) provided at a card merchant. It provides stable sales and secures all commissions (van fee, data communication channel fee) for operating the business from the merchant.

In other words, Bansa collects and settles payment information between the payment system of the terminal (inquiry machine) and the credit card company (sales voucher) in the merchant, and currently pays when we buy goods and pay with a credit card. Almost all of the information is through the ban network. Bansa also plays a role of credit card, cash card, electronic money, check inquiry, accounting management, settlement or Paygate.

In the case of Korea, Bansa has more than 10 companies including Korea Information and Communication, KFTC, KS Net, NICE, Korea Credit Card Payment (KOCES), Smartro and CCK Vans. As large companies such as SK Telecom and LG Group have entered the market based on distribution affiliates, the van market is being reorganized into large group affiliates and existing small and medium-sized firms.

This is why bansa or paygate are required for financial transactions because the operator who provided the goods or services provides all the various and versatile means of payment for billing the goods or services to an unspecified number of customers through various channels. It is expressed by the logic of the economics that must be provided.

In other words, even if a service provider is a member service, it is natural to use the payment relay service through outsourcing in order to directly charge, bill, and receive a lot of time, manpower, and cost in a field other than the main business of the service provider. .

Accordingly, in the case of bansa that provides a payment relay service, it is intended to relay a credit settlement and settlement agent that can be handled quickly and conveniently with small payments and payments to members, merchants and financial institutions.

Referring to Fig. 1 schematically illustrates a credit card transaction approval method through a bansa according to the prior art.

The user 1 has a credit card issued by a credit card company 4 as a credit card holder, and the affiliated store 2 has a normal credit card transaction approval inquiry machine that connects only to a specific bansa 3 to transmit payment information. . The credit card transaction approval inquiry machine 2a: CAT and the relay system 3a of the bansa 3 are connected to a telephone network, which is a predetermined network, and the transaction approval system of the relay system 3a and the credit card company 4 ( 4a) is connected to a dedicated packet network.

The user 1 makes a purchase request while presenting his or her credit card to the affiliated store 2 to pay for goods or services.

Merchant 2 uses credit card transaction approval inquiry 2a to request or request authorization from credit card company 4. At this time, the credit card transaction approval query 2a combines the user information contained in the user's credit card, transaction details generated by the credit card transaction approval query 2a, and merchant information, and corresponds to the corresponding information. After writing the transaction approval request text, it is connected to the relay system 3a of the bansa 3 via a telephone network.

In this case, the transaction approval request text (combination of user information, transaction history information and merchant information) generated from the merchant 2 credit card transaction approval query 2a is transmitted to the relay system 3a of the bansa 3. .

The relay system 3a of the bansa 3 having received the transaction approval request text reads the credit card company information contained in the user information in the transaction approval request text to apply for approval, and then the transaction approval system 4a of the credit card company 4 is applied. ) Sends a combination of data related to the transaction approval request.

The transaction approval system 4a of the credit card company 4, which receives and stores the data related to the transaction approval request, stores user information, transaction history, and merchant information included in the transaction approval request details with its member data or merchant data, respectively. In comparison, if both the user 1 and the merchant 2 have no reason for disqualification as a transaction member, the transaction generated between the two is verified.

Thereafter, the transaction approval system 4a of the credit card company 4 relays the transaction data 3a of the bansa 3, which relays the transaction approval request through the packet network with the authorization data which is the result value (transaction approval result details) for the transaction approval request. Return to).

The relay system 3a of the bansa 3 stores the approval data and returns it to the corresponding transaction approval inquiry device 2a of the affiliated store 2, and approves the transaction based on the returned approval data (detail of the transaction approval result). The inquiry machine 2a prints the payment result on the credit card receipt and notifies the user.

However, in the conventional method of approving credit card transactions through bansa, the credit card authentication process and the credit card's postpay payment method require time for the merchant to pay a week even if it is three days later, so that the financial loss due to time delay It is inevitable.

In addition, customers who have a wireless communication terminal that does not have a separate wireless communication solution (e.g., SK Telecom's Moneta Service) hardware (chip) can pay freely and conveniently at offline stores, shopping malls, and service providers through wireless. I can't do it.

In addition, a problem that arises when performing payment settlement using a wireless terminal cannot be excluded that credit risk may also occur depending on who is the authentication entity for the payment settlement method.

In addition, in the case of not passing through a bansa having a conventional universal payment solution, credit card companies, financial institutions, wire / wireless carriers, merchants, etc. must have a separate and independent payment solution, which is not economical as mentioned Rather, it is counter to the stabilization of financial transactions, resulting in a more complex interface for interworking with new payment solutions that occur like bamboo shoots, resulting in confusion in financial transactions.

In particular, in the field of wireless telecommunications payment, only the method of direct charging by a mobile service provider is activated on the official site of the mobile carrier, and payment of bans, credit card companies or financial institutions excluding the mobile service provider is currently almost absent. have.

In other words, although credit card companies or financial institutions are making various efforts to develop payment methods, the products that can be sold on the wireless Internet are not clear and profitability is not guaranteed in this state. This state is absent.

However, the state of the construction of infrastructure for wireless communication payment in the prior art is equipped with electronic wallet software in a mobile phone or a wireless terminal, or grafting a terminal and a credit card with a UIM (User Identity Module) in mind like SK Telecom's Moneta card. The basic infrastructure for wireless Internet payments is gradually being built, such as the emergence of solutions.

In addition, the conventional wireless communication payment method, whether a small amount or a large amount, after the predetermined date passes the payment request for payment of goods, or also through the wire / wireless carriers, the payment of goods payment is still paid in post-payment, financial transactions There is a drawback of slow flow.

Accordingly, the present invention is to solve the above-mentioned conventional problems, the stability and versatility of the payment relay company Bansa billing requester merchant, billing member, payment period financial period, payment billing agency wire / wireless carriers By integrated relaying of wired / wireless integrated credit settlement and settlement agency, the credit settlement and settlement of wired / wireless integrated van system that can secure stable sales and prompt payment of merchants through existing value-added communication networks without card companies The purpose is to provide a proxy relay method.

1 is a block diagram illustrating a credit card transaction approval method according to the prior art;

2 is a block diagram illustrating a wired / wireless integrated van system for realizing a relay method according to an embodiment of the present invention;

FIG. 3 is a network configuration diagram illustrating a credit settlement and a billing agent relay method implemented by the wired / wireless integrated van system shown in FIG. 2;

FIG. 4 is a block diagram illustrating a method for processing an affiliate store application / registration among the relay methods shown in FIG. 3;

FIG. 5 is a block diagram illustrating a member application / registration processing method among the relay methods shown in FIG. 3;

FIG. 6 is a block diagram illustrating an example of use of a third party communication terminal or a predetermined dedicated communication terminal of the relay method shown in FIG. 3;

7 is a block diagram illustrating an example of use of an affiliated store communication terminal in the relay method shown in FIG. 3;

8 is a block diagram illustrating an example of use of a member communication terminal in the relay method shown in FIG. 3;

FIG. 9 is a block diagram for explaining a method of processing communication fee collection and credit settlement settlement repayment among the relay methods shown in FIG. 3; FIG.

<Description of the symbols for the main parts of the drawings>

50, 50a, 50b, 50c: communication terminal 100: wired and wireless integrated van system

110: communication server 120: web server

130: dedicated line server 200: communication payment DB

In the object of the present invention as described above, in the wired / wireless integrated van system, the wired / wireless integrated van system performs a credit settlement and a billing agent relay method in which the wired / wireless integrated van system is performed on the network of the wired / wireless communication company. An authentication procedure is performed in response to payment request data received through the payment requester and the payment terminal communication terminal and the network, and receiving merchant information request data and user information identity authentication data from the communication terminal and storing them in a database. Wow; Transmitting the payment remittance request data to the financial institution in real time corresponding to the affiliated store information request data stored in the database when transmitting the authentication procedure processing result and the credit settlement processing decision result to the communication terminal; Based on the remittance result data and the payment agency data received from the financial institution, the payment agency completion data and payment agency processing result data are generated and stored in the database, and the payment agency completion data and payment agency processing result to the wire / wireless communication company. The step of transmitting data is processed by the wire / wireless integrated van system, and the wire / wireless communication service provider approves the service corresponding to the communication payment agency limit, and the communication fee including the payment fee to the payer through the network. In order to make the payment, it is achieved by the credit settlement and settlement agency relay method of the wired / wireless integrated van system, characterized by sharing the credit settlement and settlement agency-related data of the database.

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

2 is a block diagram illustrating a wired / wireless integrated van system for realizing a relay method according to an embodiment of the present invention, and FIG. 3 is a credit settlement implemented by the wired / wireless integrated van system shown in FIG. 4 is a block diagram illustrating a method for processing a merchant registration / registration among the relay methods shown in FIG. 3. FIG. 5 is a block diagram illustrating a member application / registration processing method among the relay methods shown in FIG. 3, and FIG. 6 is a diagram of a third party communication terminal or a predetermined dedicated communication terminal among the relay methods shown in FIG. 3. 7 is a block diagram illustrating an example of use, and FIG. 7 is a block diagram illustrating an example of use of an affiliated store communication terminal in the relay method illustrated in FIG. 3. In addition, Figure 8 is a block diagram illustrating an example of the use of the member communication terminal of the relay method shown in Figure 3, Figure 9 is a method of processing the communication fee collection and credit settlement settlement repayment of the relay method shown in Figure 3 It is a block diagram for explanation.

As shown in FIG. 2, the wired / wireless integrated van system of the present invention uses the existing value-added communication network infrastructure, but the wired / wireless integrated van when performing the credit settlement and settlement through the wired / wireless communication network. The system 100 is the subject of credit settlement and settlement agency.

The wired / wireless integrated van system 100 is integrated with the wireless payment relay method described below to provide a new service while maintaining the wired payment relay method in the existing value-added network infrastructure described in the prior art.

The wired / wireless integrated van system 100 is performed by being coupled to a network such as a general telephone network, a wireless communication network, a wired / wireless internet network, a dedicated packet network, and the like.

The wired / wireless integrated van system 100 does not need a credit card company, and can directly perform a payment relay during the credit settlement of merchants (payment requesters) and members (payers), and the reason is based on the existing value added communication network. Because there is.

The wired / wireless integrated van system 100 performs a payment settlement, a billing settlement, and a billing settlement fee by a financial institution (bank) and a wired / wireless communication company (telecommunications company).

To this end, the wired / wireless integrated van system 100 has a communication server 110, a web server 120, and a dedicated line server 130, which is constructed of ordinary network hardware and software so as to interoperate with each other.

The communication server 110 is a wireless van service module 111, a user management module 112, and a merchant application / registration module 113 that process a credit settlement request and an agent relay service requested by a merchant or a member from a wire / wireless communication company. , Member application / registration module 114, payment execution module 115, authentication request module 116, authentication processing module 117, authorized certificate management module 118, the first DBMS interworking module 119, general wired ( It stores the relay module in the form of a program in the memory, and is linked to the web server 120 and the dedicated line server 130 by a processor that is coupled to the memory and executes the stored module.

The web server 120 is controlled by a processor and stored in the form of a program in the subscription notification module 121, processing result transmission module 122, data input module 123, two-way wireless mail (text) message module ( 124: SMS / E-mail), ARS module 125 for notification of processing results, second DBMS interworking module 129, tool or module for operating a wired / wireless website (EP / Wap engine, WebDB, electronic wallet solution, etc.) ) And interworking with the communication server 110 and the dedicated line server (130). Here, the web server 120 is a concept of integrally performing wired and wireless access, and serves as an SMS server, a WAP gateway, or a distributed APP server.

The dedicated line server 130 performs various credit settlement and settlement agency procedures necessary between a financial institution and a wired / wireless communication company, and includes a payment remittance module 131, an account registration status check module 132, and an affiliate fact notification module. 133, the communication registration status management module 134, the payment agent module 135, and the third DBMS interworking module 139 are interworked with the communication server 110 and the web server 120.

As a common shared data entry / exit means relating to the input and output of data required or intended for use by the above-mentioned various modules of the DBMS interworking modules 119, 129, and 139, a database management system 290 (DBMS) and It plays the same role as the interface in the relationship.

The database management system 290 is to manage a relational database such as MS-SQL2000, communication billing DB (200), merchant-member integration DB (201), billing agent DB (202), settlement DB (203) ), The communication fee DB (204), merchant reception DB (200), merchant temporary DB (201), merchant DB (202), member reception DB (220), member temporary DB (220), member DB (222) Including input / output data of the wired / wireless integrated van system 100 related to the relay method to record / store and manage.

For example, the communication settlement DB 200 is to store and store all data (DATA, information) to be described below, for example, merchant data (representative resident number, business number, email, payment account number, password, address, telephone number) , Communication terminal identifier), member data (member social security number, phone number, email, payment account number, password, address, telephone number, communication terminal identifier), merchant application / registration protocol data and the like.

In addition, the communication billing DB 200, merchant information billing data, member communication fees and billing-related billing data, user information identity authentication data, authentication processing result data, credit payment processing determination result data, payment remittance request data, payment agency completion data , Payment agency remittance processing data, payment agency processing result data, communication payment agency limit setting information, payment results data and payment agency settlement data between Bansa and its members (merchants), payment agency mutual settlement data between wire and wireless carriers and financial institutions It includes.

In addition, the communication settlement DB (200) is the transfer result data, payment agency data, account registration status data received from the financial institution after the real name confirmation, affiliated facts notification data, membership facts notification data, received from the wire / wireless carrier after real name confirmation It consists of communication registration status data.

The communication settlement DB 200 is an integrated database shared with the wired / wireless integrated van system 100 and the computer system of financial institutions and the computer system of wired / wireless communication companies. Here, the wired / wireless integrated van system 100 is a data management entity that can input, change, update, store, retrieve, extract, use, inquire, and check data in the communication settlement DB 200. The computer system of the wireless telecommunication company is a data user who can use only the data of the communication payment DB 200 to retrieve, search, inquire, confirm, and extract data without damage.

As shown in FIG. 3, the wired / wireless integrated van system 100 includes at least one payment requester 20, at least one payer 10, at least one financial institution 30, and at least one wired / wireless communication company. 40 is coupled to a network that relays the payment agent at the time of credit settlement.

The wired / wireless integrated van system 100 may enter into a contract with at least one financial institution 30 and at least one wired / wireless telecommunication company 40 to provide a legal action for interworking for credit settlement and payment agency service. Network technical measures are taken, and the communication settlement DB 200 is shared to manage the database in the same manner and mutually transmit and record data in the same manner.

The wireless van service module, the merchant application / registration module, the member application / registration module, the payment execution module, the authentication request module, the authentication processing module, and the authentication certificate management module of the wired / wireless integrated van system 100 are shown in FIGS. 4 and 5 below. As described in detail, through the service application / registration processing method of the affiliated store and the member, the payment requester 20 is registered as the affiliated store and the payer 10 is managed as a member.

In the description of the present invention, the payment requester 20 is a merchant or seller, and the payer 10 is a member or a consumer.

The payment requester 20 or the payer 10 may be at least one communicable PC, mobile phone, PDA terminal, IMT-2000 terminal, web TV (bi-directional communication), WP / ME terminal, landline telephone, credit of the present invention. Having a communication terminal 50 including a payment-only terminal and the like, all credit settlement and payment agency is performed through the communication terminal 50.

The payment request may be performed by the payment requester 20 that is a member shop or the payer 10 that is a member, and the payment requester 20 and the payer 10 may cooperate with each other to perform a merchant / member authentication process. .

Hereinafter, a description will be given of the credit settlement and settlement agency relay method of the wired / wireless integrated van system of the present invention.

① The payment requester 20 or the payer 10 requests the wired / wireless integrated van system 100 to execute the payment using any one of the communication terminals 50 described above.

Here, the actual data flow will be described, the payment execution request data including the originating identifier, merchant ID (ID), member ID, password (PIN number) of the at least one communication terminal 50 and the communication terminal 50 In a system that performs a communication infrastructure of a wire / wireless communication company 40, that is, an intelligent network, a base station, an originating terminal exchange, an interconnect gateway exchange (IGS), or an interconnection function (IWF) through a network (wired network or wireless communication network). After the transmission, it is transmitted to the wired / wireless integrated van system 100 through a dedicated packet network.

② The wired / wireless integrated van system 100 receiving the payment execution request data performs a merchant or member authentication request process and uses the communication infrastructure of the wire / wireless communication company 40 to request the payment requester 20 to correspond to the calling identifier. Or request the merchant or member authentication to the payer (10).

③ The payment requester 20 or the payer 10 transmits the merchant information request data or the user information identity authentication data to the wired / wireless integrated van system 100 using any one of the communication terminals 50.

In this case, the wired / wireless integrated van system 100 receives the merchant information billing data or the user information identity authentication data and stores it in the communication settlement DB 200, and stores the merchant data or member data of the communication settlement DB 200 and the respective data. By comparing and checking the credit data and the limit data, it is determined that both the payer 10 and the payment requester 20 have no reason for disqualification as a member of the transaction and that the transactions generated between the two are valid, and whether to perform the credit settlement.

④ Wired / wireless integrated van system 100 delivers the authentication and credit settlement processing decision results to each payer 10 and the payment requester 20 using the communication infrastructure of the wired / wireless communication company 40.

⑤ Wired / wireless integrated van system 100 delivers the payment remittance request data in real time to the financial institution (30).

⑥ Since the financial institution 30 is a legal relay company in which the wired / wireless integrated van system 100 is responsible for the contract, the payment of the goods is made based on the merchant information (data) on the payment remittance request data received in real time. Send money. In addition, in accordance with the law, if the financial problem occurs, the merchant 20, the financial institution 30, wire / wireless carrier 40 or the wired / wireless integrated van system 100 is responsible for the corresponding insurance company Will be helped.

⑦ wired / wireless integrated van system 100 receives the transfer result data and payment agency data in real time from the financial institution (30).

⑧ The wired / wireless integrated van system 100 generates the payment agent completion data and the payment agent processing result data based on the received data and stores them in the communication payment DB 200 and at the same time, the computer system of the wire / wireless communication company 40. The stored payment agent complete data and the payment agent processing result data is transmitted.

After confirming this, the wire / wireless communication company 40 approves the service corresponding to the limit of the communication settlement agency, and the wire / wireless mail, Jiro, etc., the entire communication fee including the product settlement price and the payment agency amount corresponding to the approval result value. By billing to the payer 10, or by the direct debit agreement after payment to deliver the payment receipt.

In this process, the wired / wireless integrated van system 100 may allow the payment agency of the entire communication fee to the payment requester 20 at the service level. In addition, the settlement agent completion data and the settlement agent processing result data include at least the calling terminal identifier (telephone number) of the payer 10, the payment price, the communication connection call, the communication connection time, the member data (address, phone number, e-mail). Etc.), the wired / wireless communication company 40 may deliver the invoice to the corresponding payer 10 who purchased the product.

Thereafter, the payer 10 pays the communication fee including the billed communication fee or payment agency fee (payment fee) to the wire / wireless communication company.

⑨ After that, the financial institution 30 and the wired / wireless telecommunication company settle each other.

Hereinafter, a detailed processing method of the credit settlement and settlement agent relay method of the wired / wireless integrated van system of the present invention will be described in detail.

The merchant application / registration processing method shown in FIG. 4 starts based on the merchant information (data) input.

That is, the seller 20 to be a payment requester or merchant stores the representative's social security number, business number, email, payment account number, password, phone number, communication terminal identifier (mobile phone number, etc.) and address in the subscription form 51. Apply in writing to the operator of the wired / wireless integrated van system 100, or use the communication terminal 50 to access the merchant data to the communication server 110 of the wired / wireless integrated van system 100 and then apply over the communication. .

In this case, the web server 120 of the wired / wireless integrated van system 100 may perform the affiliate application / registration module, and receive the affiliate application received through the affiliate application 51 or the communication data from the affiliate store reception DB 200. Store in

In addition, the dedicated wire server 130 of the wired / wireless integrated van system 100 of the affiliated store notification data among the merchant data stored in the affiliated store reception DB 200 of the financial institution 30 and the wired / wireless communication company 40 through a dedicated packet network. By sending each to the computer system, the facts of affiliates are notified in real time.

In this case, the computer system of the financial institution 30 cross-checks the representative resident number or the business number and the payment account number among the affiliated fact notification data received and performs the financial real name verification process, and then the account registration status data is transmitted through a dedicated packet network. The wired and wireless integrated van system 100 transmits to the dedicated wire server 130.

In addition, the computer system of the wire / wireless communication company 40 cross-checks the representative resident or business number and the communication terminal identifier among the received merchant data, performs a communication room name verification process, and then registers the communication registration status data through a dedicated packet network. The transmission is transmitted to the transmission line server 130 of the integrated ban system (100).

The web server 120 interworking with the dedicated line server 130 is affiliated store data based on pre-determined merchant application / registration protocol data, the account registration status data received, and communication registration status data determined by the wired / wireless integrated van system 100. Judge whether there is an error.

If there is an error in the merchant data, the communication server 110 interworking with the web server 120 notifies the seller 20 of the error contents through the communication terminal 50, or the manager of the wired / wireless integrated van system 100. Informs the seller 20 by phone, email, mail, or the like. In this case, the seller 20 must further perform the step of correcting the error data.

However, if there is no error in the affiliated store data, the web server 120 determines once as a normal affiliated store, and converts or updates the affiliated store data from the affiliated store reception DB 200 to the affiliated store temporary DB 201. In addition, the communication server 110 interworking with the web server 120 gives the merchant ID to the merchant (20).

Thereafter, the seller 20 stores the downloaded official certificate file in his communication terminal 50 as a result of performing a series of normal public certificate application procedures by accessing the communication server 110. Here, the official certificate is a download from the official certificate issuing authority through the wired / wireless integrated van system 100, and is a normal certificate data file produced to correspond to the wired / wireless communication environment, the authentication request module of the communication server 110 And it is delivered to the seller 20 safely by the authentication processing module and the public certificate management module.

Seller 20 performs the start-of-use authentication procedure using the merchant ID and password given in the state connected to the communication server 110, the authentication request module and authentication processing module of the communication server 110 in the case of normal authentication The normal authentication result is transmitted to the web server 120.

The subscription notification module of the web server 120, the two-way wireless mail message module, and the ARS module for processing result notification notify the seller 20 of the subscription completion result by an email, a text message, a phone voice (ARS), or the like. At the same time, the web server 120 converts or updates affiliated store data from the affiliated store temporary DB 201 to the affiliated store DB 202 according to the input of the normal authentication result value, thereby executing the affiliated store (payment requester, seller) application / registration process. Complete

The member application / registration processing method shown in FIG. 5 is the same or the same except for the above-described merchant application / registration processing method and some features described below.

Based on the characteristic points, the member application / registration processing method shows an online / offline process for the consumer 10 to be a payer or a member, and the consumer 10 is a member at the time of membership application. Resident ID, e-mail, payment account number, password, telephone number, communication terminal identifier, address registered in the wired / wireless integrated van system 100 in the member acceptance / temporary DB (220, 220) and member DB (222) credited as a member It is the process of making payment and payment agent service available.

In particular, the dedicated wire server 130 of the wired / wireless integrated van system 100 transmits the notification of member subscription data among the member data stored in the member reception DB 220 through the dedicated packet network to the financial institution 30 and the wire / wireless communication company 40. By sending each to the computer system of the notification of membership registration in real time.

In this case, the computer system of the financial institution 30 cross-checks the member's resident registration number and the payment account number among the received member registration fact notification data and performs the financial real name verification process, and then integrates the account registration status data through a dedicated packet network. It transmits to the computer system of the dedicated wire server 130 and the wired / wireless communication company 30 of the ban system (100).

Further, the computer system of the wire / wireless communication company 40 modifies its member information on the basis of the received member data and account registration status data, respectively, records and stores it in the communication subscriber DB 41, and at the same time, the communication subscriber DB ( 41) Cross check the member's social security number, communication terminal identifier, and account registration status data among the member data stored in the member data, and confirm the credit limit based on this, and then grant credit limit data and member real name verification data. Transmission registration data including the transmission to the transmission line server 130 of the wired / wireless integrated van system 100 through a dedicated packet network.

The web server 120 interworking with the dedicated line server 130 may use the member application / registration protocol data predetermined by the wired / wireless integrated van system 100, the account registration status data received, and the communication registration status data. Judge whether there is an error.

That is, the wired / wireless integrated van system 100 of the present invention determines the credit limit of the member or the consumer 10 in advance, and updates the credit limit after payment, thereby causing the consumer 10 to abuse the convenient wireless credit payment. To prevent it.

FIG. 6 illustrates a credit settlement by a third party communication terminal or a predetermined dedicated communication terminal and a bansa payment proxy relay method corresponding thereto.

Here, the communication terminal 50a is a third party communication terminal (terminal, inquiry device, terminal device, inquiry device), or a predetermined dedicated communication terminal or communication terminal device provided in the affiliated workplace, and the member 10 and the affiliated store. This is to process the payment request generated by the purchase of goods between (20).

The member 10 and the affiliated shop 20 connect to the communication server 110 of the wired / wireless integrated van system 100 by dialing a predetermined access telephone number of the wired / wireless integrated van system 100 using the communication terminal 50a. .

Thereafter, the member 10 and the affiliated store 20 receive a merchant ID, password (merchant PIN number), member ID, password (member PIN number), and payment request, which are given when the service is applied and registered in the wired / wireless integrated van system 100. The input information such as the amount is input to the communication terminal 50a, and the communication terminal 50a combines the above input information, prepares it in full, and then requests a payment to the communication server 110 of the wired / wireless integrated van system 100. .

In this case, the communication server 110 performs a member authentication request and a member authentication request to the member 10 and the affiliated store 20 through the communication terminal 50a, and the corresponding member 10 and the affiliated store 20 are Merchant authentication and member authentication are performed by normal authentication procedures, respectively.

Wired / wireless integrated van system 100 is affiliated with the communication server 110, web server 120 and dedicated line server 130 merchant DB 202 and member DB 222 and their integrated database of merchant-member integration DB In 201, data necessary for various credit settlements and settlement agents are recorded and managed.

Various notification-related modules of the web server 120 (subscription notification module, two-way wireless mail message module, ARS module for notification of processing results) are used for e-mail and text messages using member authentication processing result data of the affiliated member-member integrated DB 201. Informs the processing result to the member 10 or the affiliated store 20 by, for example, telephone voice (ARS).

The dedicated line server 130 transfers the payment request amount remittance request data of the merchant-member integrated DB 230 to the computer system of the financial institution 30.

The computer system of the financial institution 30 transfers the requested amount to the affiliated store 20 in the form of a payment agent and a bank transfer, and sends the requested amount to the affiliated store 20, and transfers the transfer amount of the settlement data, which is a resultant value, to the dedicated line server 130. To send.

The database management system of the web server 120 interworking with the dedicated line server 130 records the payment agent transfer amount data to the merchant-member integrated DB 230 and the communication settlement DB (200). Thereafter, the database management system generates payment agent processing result data based on the payment agent remittance processing data, and the dedicated line server transmits the payment agent processing result data to the computer system of the wire / wireless communication company 40.

The computer system of the wire / wireless communication company 40 performs a predetermined payment process of the wire / wireless communication company itself to charge a communication fee later, checks the credit limit, and transmits the result data to the dedicated wire server 130.

On the other hand, the web server 120 provides the payment result data and settlement agent settlement data between the bansa and the member (merchant) to the member 10 and the merchant 20 in a manner such as confirmation / email through voice / SMS / web page, respectively. Deliver and notify.

As shown in FIG. 7 and FIG. 8, in the credit settlement and settlement agent relay method of the wired / wireless integrated van system according to the present invention, any one of an affiliated store communication terminal 50b or a member communication terminal 50c is used. 20) or the member 10 is different from the credit settlement and settlement agency relay method described above with reference to FIG. 5 or 6 except that the payment request subject.

That is, either the merchant communication terminal 50b or the member communication terminal 50c, either one of the first to call a predetermined access telephone number of the wired / wireless integrated van system 100, the communication server of the wired / wireless integrated van system 100 (F).

Any one of the affiliated store communication terminal 50b or the member communication terminal 50c connected to the communication server 110 has a corresponding ID and password payment request amount and a counterpart ID by an input operation of the affiliated store 20 or member 10. Receives the same input information, and transmits it to the communication server 110 of the wired / wireless integrated van system 100 in the form of a combination data of full or complex frequency code to request payment.

In this case, the communication server 110 identifies the affiliated store 20 and the member 10 by using the two received IDs, and is first connected (f) or later connected (s) for authentication. 50b and 50c request membership and merchant authentication, respectively.

Correspondingly, only when both the member 10 and the affiliated store 20 perform authentication procedures, as described above, the financial institution 30 and the wired / wireless communication company 40 under the relay of the wired / wireless integrated van system 100. ) Will perform the credit settlement and settlement agency.

In addition, the dedicated wire server 120 of the wired / wireless integrated van system 100 transmits the settlement agent processing result data to the wired / wireless communication company 40, and the wired / wireless communication company 40 adjusts the payment processing and the credit limit. When the adjustment result data is transmitted, it is stored in the member DB 222 to update the credit limit of the existing data.

FIG. 9 is a block diagram illustrating a method of processing communication fee collection and credit settlement settlement repayment among the relaying methods shown in FIG. 3.

The wired / wireless integrated ban system 100 performs a predetermined settlement process based on the payment result data between the bansa and the member (the affiliated store). Through the financial institutions 30 and wired / wireless telecommunications companies 40 respectively.

In addition, the wired / wireless integrated van system 100 transmits the member communication fee and billing-related billing data through a communication server 110 in a manner such as confirmation / email through voice / SMS / webpage.

Meanwhile, the wire / wireless communication company 40 uses wired / wireless mail, direct debit, jiro invoices, etc., but bills the member 10 for the entire communication fee including the goods payment price and the payment amount.

The member 10 receives the entire communication fee [communication terminal usage fee, product (service) payment price, payment agency] to the wire / wireless communication company 40 by visiting the agency of the wired / wireless communication company 40, depositing money into the land, and paying cash. Payment or repayment of the payment agency while paying the communication fee by CMS collection, automatic transfer, bank transfer, etc. through the financial institution (30).

At this time, even if the entire communication fee is deposited through either the financial institution 30 or the wired / wireless communication company 40 according to a conventional method, the payment of the communication fee and the wired / wireless communication company of the deposit amount deposited to the financial institution 30 which is the contracting party. Settlement payments are settled out of the collection amount collected at 40.

The computer system of the financial institution 30 after the mutual settlement process is transferred to the dedicated server server 130 of the wired / wireless integrated van system 100, and the computer system of the wire / wireless communication company 40 Transferring data such as communication charges to the dedicated line server 130.

The payment agent repayment data delivered to the leased line server 130 is stored in the payment agency DB 202, and the collection status data, such as communication charges delivered to the leased line server 130 is stored in the communication fee DB (204).

The database management system generates the payment agency DB 202 and the communication fee DB 204 to be linked to one integrated settlement DB 203 to manage data related to the communication fee collection and credit settlement payment repayment.

Then, the web server 120 of the wired / wireless integrated van system 100 extracts the settlement data for each member ID from the settlement DB 203, and transmits the communication fee and payment settlement payment result data including the non-payment reminder guide. Transfer to the communication terminal (50c) of (10) so that all of the unpaid payment can be paid.

Credit and payment agency relay method of the wired / wireless integrated van system according to the present invention is integrated on and offline in real time, by relaying the data necessary for membership (merchant) application and authentication, credit payment and payment agency, consumers or sellers Based on the wireless (wired) van service can provide a general-purpose payment solution that does not require a separate interface, and in particular has the advantage of allowing the merchant to receive the payment of the goods payment on the day.

In addition, the credit settlement and settlement agent relay method of the wired / wireless integrated van system according to the present invention, because the merchant and the member perform authentication each or at the same time, there is a very safe advantage in the financial transaction because the credit information is not shared with each other.

In addition, in the credit settlement and settlement agent relay method of the wired / wireless integrated van system according to the present invention, by setting the credit limit of the member or the consumer in advance, it is possible to prevent the consumer who abuses convenient wireless credit payment from becoming a bad credit. There is an advantage.

In addition, in the credit settlement and settlement agency relay method of the wired / wireless integrated van system according to the present invention, the communication system, which is made by the bans wired / wireless integrated van system, the financial system's computer system, the computer system of the wired / wireless communication company to the integrated database. By sharing the DB, it is possible to perform an efficient and stable credit settlement and settlement agency by integrating and managing the merchant and member data.

In addition, the credit settlement and settlement agency relay method of the wired / wireless integrated van system of the present invention serves as a settlement agency and repayment of the settlement agency to financial institutions that share the data necessary for credit settlement and settlement agency based on a wired universal settlement solution. At the same time, it will allow wire / wireless carriers to act as a wire / wireless data transmission and telecommunications billing place. As a result, members can conveniently repay or pay bills through various channels. There are advantages to it.

In addition, the credit settlement and settlement agency relay method of wired / wireless integrated ban system is free to make small payments, the taxation data according to the small credit settlement is clear, financial institutions make settlements and mobile carriers make charges to activate financial transactions. In addition, it has the advantage of providing a relatively economical wireless integrated payment solution while using the current value-added network infrastructure.

In addition, the preferred embodiment of the present invention is disclosed for the purpose of illustration, those skilled in the art will be able to various modifications, changes, additions, etc. within the spirit and scope of the present invention, such modifications and modifications belong to the following claims You will have to look.

Claims (6)

In the wired / wireless integrated van system, in which a wired / wireless integrated van system is combined on a network of a payment requester, a payer, a financial institution, and a wire / wireless communication company, An authentication procedure is performed in response to payment request data received through the payment requester and the payment terminal communication terminal and the network, and receiving merchant information request data and user information identity authentication data from the communication terminal and storing them in a database. Wow; Transmitting the payment remittance request data to the financial institution in real time corresponding to the affiliated store information request data stored in the database when transmitting the authentication procedure processing result and the credit settlement processing decision result to the communication terminal; Based on the remittance result data and the payment agency data received from the financial institution, the payment agency completion data and payment agency processing result data are generated and stored in the database, and the payment agency completion data and payment agency processing result to the wire / wireless communication company. The step of transmitting data is processed by the wire / wireless integrated van system, In order to allow the wire / wireless service provider to approve the service corresponding to the communication settlement agency limit, and to pay the communication fee including the payment agency to the payer through the network, the data related to the credit settlement and the settlement agent of the database may be used. Credit and payment agency relay method of the wired / wireless integrated van system characterized by sharing. The method of claim 1, The payment execution request data includes at least one communication terminal originating identifier, an affiliated store ID (ID), a member ID, and a password (PIN number), and is transmitted to the communication terminal, the network, and the communication infrastructure of the wire / wireless communication company. After that, the credit settlement and settlement agent relay method of the wired / wireless integrated van system, characterized in that the transmission through the dedicated packet network to the wired / wireless integrated van system. The method of claim 1, When the wired / wireless integrated van system registers the seller as an affiliated store, notifying the financial institution and the wired / wireless communication company of the affiliated facts notification data of the seller through the network, thereby causing the financial institution to provide the seller with the merchant. And performing the financial real name verification process of the financial real name, and allowing the wired / wireless communication company to perform the communication real name verification process of the seller. The method of claim 1, When the wired / wireless integrated van system registers the consumer as a member, notifying the financial institution and the wired / wireless communication company through the network of the subscription notification data of the consumer. Credit settlement and payment agency relay of the wired / wireless integrated van system, characterized in that it performs a consumer's financial real name verification process, and the wired / wireless communication company performs the consumer's communication name verification process and credit limit assignment. Way. The method of claim 1, The wired / wireless integrated ban system transmits the settlement agent processing result data to the wired / wireless communication company, and when the wired / wireless communication service adjusts the payment processing and the credit limit and transmits the adjustment result data, it is stored in the member DB. The credit settlement and settlement agent relay method of the wired / wireless integrated van system further comprising the step of updating the existing credit limit. The method of claim 1, The wire / wireless integrated van system performs a predetermined settlement process based on the payment result data between the bansa and the member (merchant), and the settlement agency settlement data between the bansa and the member (merchant) through the dedicated line server. And transmitting to the wired / wireless communication companies, respectively. Transmitting the member communication fee and billing-related billing data to the payer in a manner such as confirmation / email through voice / SMS / web page through a communication server; Payment agency reimbursement data delivered to the dedicated line server is stored in the payment agency DB, the collection status data is stored in the communication fee DB, the payment agency DB and the communication fee DB to be integrated into one integrated settlement DB (203) And generating and managing data related to communication charge collection and credit settlement settlement repayment.