KR20040084563A - Method for Phone-Bill Using Credit Management System - Google Patents

Abstract

PURPOSE: A method for micro-payment of a mobile phone using a loan management system is provided to improve a settlement efficiency for the micro-payment of the mobile phone and facilitate collection of delayed charge by promptly settling a contents sale price to a CP(Contents Provider) and making the loan management system take back the charge when a user delays the charge. CONSTITUTION: As the user buys the contents with the micro-payment of the mobile phone, a CP system(30) requests user certification to a mobile communication company server(50). The mobile communication company server performs the user certification and transmits a certification result to the CP system. The CP server transmits billing information to the mobile communication company server. The mobile communication company server generates/stores billing data based on the billing information. The mobile communication company server transmits the billing data to the loan management system(100). The loan management system stores the billing data in order to settle the contents price with the CP system. The mobile communication company server sums the contents price to a mobile phone charge and stores the data.

Description

How to make small payments using credit management system {Method for Phone-Bill Using Credit Management System}

The present invention relates to a small payment method using a mobile phone, and more particularly, a small amount of mobile phone payment to allow the content provider to settle payment in advance by using the credit management system and collect the unpaid content fee from the credit management system. It is about a method.

Currently, Internet services are so common that most people use the Internet, and Internet shopping malls are increasing day by day because of their low cost. In general, in the case of electronic commerce via the Internet, payment is made through a credit card, electronic money, direct deposit, or the like.

If you use a credit card, enter your credit card number and personal information on the Internet to make payment through a certification authority.If you use electronic money, you must first purchase a certain amount of electronic money and keep it within the amount held in the electronic money. Payment is made, and when a direct deposit is made, the user purchases the content and then visits a bank directly or transfers the money to a seller's account using Internet banking or phone banking.

However, in the case of credit card payment, there is a risk that their card number, personal information, etc. are leaked, and in the case of using electronic money, it is cumbersome to purchase electronic money in advance and recharge it periodically. May be inconvenient to make a direct bank transfer or perform a wire transfer through internet banking or phone banking.

In order to solve this drawback, a small amount of payment using a mobile phone has recently been made. 5 and 6 are diagrams for explaining a general mobile phone payment method.

5 is a diagram illustrating an example of a communication network to which a general mobile phone micropayment method is applied, and FIG. 6 is a flowchart illustrating a general mobile phone micropayment method in a mobile communication network.

The user accesses the content selling site of the content providing system 30 through the Internet 20 using the personal computer 10 or the content providing system 30 through the mobile communication company server system 50 using the mobile phone 60. ) To select the desired product and to enter their resident registration number, mobile number, etc. to pay by mobile phone payment method (S301), the content providing system 30 is the payment agent system 40 to the user's resident registration number And requesting user authentication by transmitting a mobile phone number (S302).

Accordingly, the authentication procedure is performed by transmitting and receiving data between the payment agency system 40, the mobile communication company server system 50, and the mobile phone 60 (S303). When the authentication process is described in more detail, the payment agent system 40 checks whether the user pays the fee by transmitting the resident registration number and the mobile phone number of the user received from the content providing system 30 to the mobile communication company server system 50. When the fee is confirmed as a user who is not overdue, the payment agent system 40 generates a random number and transmits the random number to the content providing system 30, while using a mobile phone through the mobile carrier server system 50 using SMS. 60). The user who receives this inputs a random number to the content providing system 30, and when the content providing system 30 compares the random number received from the payment agency system 40 with the random number input by the user, it is determined that the user's The content purchase information is transmitted to the payment agent system 40 (S305).

Subsequently, the payment agent system 40 stores the billing data for each user (S306) and transmits it to the mobile communication company server system 50 (S307), and the mobile service provider server system 50 prepares the content when creating a monthly mobile phone bill. The purchase price is added and sent to the user (S308). Accordingly, when the user pays the content purchase price together with the mobile phone usage fee (S309), the mobile communication company server system 50 pays the content purchase price to the payment agency system 40, and the payment agency system 40 sends the content. The payment is made by paying the purchase price to the content providing system 30 (S310 and S311).

In such a payment method, since the content price is charged in addition to the mobile phone usage fee, the payment cycle is about 75 days long, which has an economic effect on the content provider. In addition, when the user does not pay the fee, the content provider has to collect the unpaid content price directly, which makes it difficult to recover the price.

The present invention has been made to solve the problems described above, by introducing a credit management system to the mobile phone micropayment, and immediately settles the content sales payment to the content provider, so that the credit management system to collect this when the user's fee is not paid Accordingly, there is a technical problem to provide a mobile phone micropayment method using a credit management system that can improve the settlement efficiency at the time of mobile phone micropayment and recover the outstanding bills.

1 is an exemplary diagram of a communication network to which the present invention is applied;

2 is a flowchart illustrating a mobile phone micropayment method according to an embodiment of the present invention;

3 is a flowchart illustrating a mobile phone micropayment method according to another embodiment of the present invention;

4 is a view showing an example of a payment information format stored in the credit management system shown in FIG.

5 is an exemplary diagram of a communication network to which a general cellular phone micropayment method is applied;

6 is a flowchart illustrating a general mobile phone micropayment method in a mobile communication network.

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

10: Personal * Computer 20: Internet

30: content providing system 40: payment agency system

50: mobile carrier server system 60: mobile phone

100: credit management system 200: payment information database

In the present invention, a credit management system is used when making small payments. The credit management system is connected to the mobile communication company server system, performs user authentication when making small payments to the mobile phone, and pays the price to the content provider. In addition, when a user delinquents the use of a mobile phone, the collection of the collection of the receivables is made by directly collecting debts.

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

1 is an exemplary diagram of a communication network to which the present invention is applied, the credit management system 100 applied to the present invention includes a content providing system 30 and a mobile communication company server system 50 at the time of payment of a mobile phone according to a user's online content purchase. ), And the function to settle the content price and fee, and collects the unpaid content purchase price.

As shown, the user accesses the content providing system 30 through the Internet 20 using the personal computer 10 or the content providing system through the mobile communication company server system 50 using the mobile phone 60. The content can be purchased by accessing 30. The credit card management system 100 is connected to the mobile communication company server system 50, and when the user purchases content and pays by the mobile phone payment method, the user performs authentication with the mobile communication company server system 50 and the payment information DB ( 200, the payment information for each user is stored, and when the authentication is completed, the content purchase price is settled by the content providing system 30. When the user pays the content purchase price, the content purchase price is received from the mobile communication company server system 50. Get paid. The content purchase price may be paid together with or separately from a mobile phone usage fee.

If the user does not pay the content purchase fee due to the late payment of the mobile phone use fee, the credit management system 100 performs the debt collection operation to the corresponding user with reference to the payment information DB 200.

2 is a flowchart illustrating a mobile phone micropayment method according to an embodiment of the present invention, and shows a case in which the content purchase price is paid together with the mobile phone bill.

The user accesses the content selling site of the content providing system 30 through the Internet 20 using the personal computer 10 or the content providing system 30 through the mobile communication company server system 50 using the mobile phone 60. ), Select the desired product, enter their resident registration number, mobile phone number, etc., and make a payment using the micro payment method (S101), the content providing system 30 registers the resident of the user with the mobile communication company server system 50. The user authentication is requested by transmitting the number and the mobile number (S102).

Accordingly, the authentication procedure is performed by the mobile telecommunication company server system 50 (S103). The authentication may be performed independently in the mobile communication company server system 50, but the mobile communication company server system 50 checks the user's identity and whether the fee is not paid, and in the credit management system 100, the payment information DB 200 It is also possible to use a double payment method to check whether the user overdue payment with reference to. In addition, the method of performing the user identity in the mobile communication company server system 50 may use any one of a method using SMS, a method using ARS, a mixture of SMS and ARS.

The method of performing the user's identity verification using SMS is to transmit the random number generated by the mobile carrier server system 50 to the user who wants to purchase the content through SMS, and inputs the random number received by the user to the mobile carrier server. The method checks whether the system 50 is identical to the random number generated by the system 50. The method of using ARS is that the content providing system 40 informs the user of the ARS access telephone number through the web page to which the user is currently connected and requires the user to attempt to make a call, and the user uses the mobile phone 60 to access the corresponding ARS access telephone. This is a method of authenticating when a call is established by dialing a number. In addition, the method using the SMS and ARS is a mobile communication company server system 50 sends an SMS requesting to access the ARS access number to the user's mobile phone 60 by the user attempts to call the corresponding ARS access number authentication This is how it is done.

When the subscriber authentication is completed, the mobile communication company server system 50 transmits the authentication result to the content providing system 30 (S104), and the content providing system 30 transmits the billing information of the user to the mobile communication company server system 50 ( Purchased goods, price, etc.) are transmitted (S105). In the present embodiment, since the content purchase price is settled together with the mobile phone usage fee, the mobile communication company server system 50 generates and stores the billing data according to the billing information for each user received from the content providing system 30 (S106). ), The billing data is transmitted to the credit management system 100 (S107).

After receiving this, the credit management system 100 stores the billing data for each user in the payment information DB 200 (S108), and calculates the content price and fee with the corresponding content providing system 30 (S109). On the other hand, the mobile communication company server system 50 generates a bill by summing the content purchase price to the next month mobile phone usage fee and issued to the user (S110), if the user pays the mobile phone usage fee and content purchase price (S111) The server system 50 calculates the content price paid to the content providing system 30 in step S109 to the credit management system 100 and the credit management system 100 sends a fee to the mobile communication company server system 50. Pay (S112).

The credit management system 100 periodically checks the payment information DB 200 and collects receivables by performing a debt collection operation when a user who has not paid for the mobile phone fee and the content fee is generated.

3 is a flowchart illustrating a mobile phone micropayment method according to another embodiment of the present invention, and illustrates a case in which content purchase price is separately charged from a mobile phone use fee.

The user accesses the content selling site of the content providing system 30 through the Internet 20 using the personal computer 10 or the content providing system 30 through the mobile communication company server system 50 using the mobile phone 60. ) To select the desired product and enter their resident registration number, mobile number, etc. to pay by mobile phone payment method (S201), the content providing system 30 is the user's resident registration to the mobile carrier server system 50 The user authentication is requested by transmitting the number and the mobile number (S202).

Accordingly, the authentication procedure is performed by the mobile telecommunication company server system 50 (S203). The authentication may be performed independently in the mobile communication company server system 50, but the mobile communication company server system 50 checks the user's identity and whether the fee is not paid, and in the credit management system 100, the payment information DB 200 It is also possible to use a double payment method to check whether the user overdue payment with reference to. In addition, the method of performing the user identity in the mobile communication company server system 50 may use any one of a method using SMS, a method using ARS, a mixture of SMS and ARS.

When the subscriber authentication is completed, the mobile communication company server system 50 transmits the authentication result to the content providing system 30 (S204), and the content providing system 30 transmits the billing information of the user to the mobile communication company server system 50 ( Purchased goods, price, etc.) are transmitted (S205). In the present embodiment, since the content purchase price is charged separately from the mobile phone usage fee, the mobile communication company server system 50 does not need to store user-specific billing information received from the content providing system 30, and the credit management system 100 directly. The billing data is transmitted in step S206.

After receiving the credit management system 100 stores the user-specific billing data in the payment information DB (200) (S07), the content providing system 30 to settle the content price (S208). In addition, the credit management system 100 generates a separate content purchase bill and the mobile phone bill of the mobile communication company server system 30 and issued to the user (S209), if the user pays the content purchase price (S210) The credit management system 100 pays a fee to the mobile communication company server system 30 (S211).

The credit management system 100 periodically checks the payment information DB 200 and collects receivables by performing a debt collection operation when a user who has not paid for the mobile phone fee and the content fee is generated.

4 is a diagram illustrating an example of a payment information format stored in the credit management system illustrated in FIG. 1.

As shown, the payment information DB 200 of the credit management system 100 is a user name field, social security number field, mobile phone number field, content provider field, payment target amount field, payment amount field, It includes the unpaid field, etc., and periodically checks the unpaid field so that receivables can be recovered through collection of receivables.

The present invention described above will be understood by those skilled in the art that the present invention may be implemented in other specific forms without changing the technical spirit or essential features of the present invention. Therefore, the above-described embodiments are to be understood as illustrative in all respects and not as restrictive. The scope of the present invention is shown by the following claims rather than the detailed description, and all changes or modifications derived from the meaning and scope of the claims and their equivalents should be construed as being included in the scope of the present invention. do.

The present invention introduces the credit management system of the credit finance company when making small payments using a mobile phone, the content provider can pay the content purchase price in advance in the credit management system so that the content provider can quickly recover the content sales price. In addition, when the user has not paid the content, the credit collection system directly performs debt collection, so there is an advantage of easily recovering the receivables.

Claims (6)

A micro payment method using a mobile phone in a mobile communication network including a content providing system connected through a personal computer and the Internet, connected through a mobile phone and a mobile carrier server system, and a credit management system connected to the mobile carrier server system. Requesting, by the content providing system, the user authentication to the mobile communication company server system as a user accessing the content providing system through a personal computer or a mobile phone intends to purchase the content by a mobile phone payment method; Performing a user authentication by the mobile telecommunication company server system and transmitting the authentication result to a content providing system; Transmitting, by the content providing system, the charging information of the user to the mobile communication company server system; Generating and storing charging data according to the charging information received from the content providing system, by the mobile communication company server system; Transmitting, by the mobile communication company server system, the billing data to the credit management system; Storing, by the credit management system, the billing data to settle the content purchase price with the content providing system; And Storing, by the mobile telecommunication company server system, a content purchase price added to the user using a mobile phone fee; Mobile phone micro payment method using a credit management system comprising a. According to claim 1, In the performing of the user authentication by the mobile telecommunication company server system, the mobile telecommunication company server system checks whether the user confirms the user's identity and pays the use of a mobile phone, and checks whether the payment is unpaid by requesting the credit management system for authentication. Mobile phone micro payment method using a credit management system, characterized in that the step. According to claim 1, The step of storing the billing data in the credit management system, the mobile phone micropayment using the credit management system, characterized in that for storing the user's name, social security number, mobile phone number, content provider, payment target amount, payment amount, unpaid amount Way. A micro payment method using a mobile phone in a mobile communication network including a content providing system connected through a personal computer and the Internet, connected through a mobile phone and a mobile carrier server system, and a credit management system connected to the mobile carrier server system. Requesting, by the content providing system, the user authentication to the mobile communication company server system as a user accessing the content providing system through a personal computer or a mobile phone intends to purchase the content by a mobile phone payment method; Performing a user authentication by the mobile telecommunication company server system and transmitting the authentication result to a content providing system; Transmitting, by the content providing system, the charging information of the user to the mobile communication company server system; Transmitting, by the mobile communication company server system, the billing data to the credit management system; And Storing, by the credit management system, the billing data to settle a content purchase price with the content providing system and to charge a content purchase price to the user; Mobile phone micro payment method using a credit management system comprising a. The method of claim 4, wherein In the performing of the user authentication by the mobile telecommunication company server system, the mobile telecommunication company server system checks whether the user confirms the user's identity and pays the use of a mobile phone, and checks whether the payment is unpaid by requesting the credit management system for authentication. Mobile phone micro payment method using a credit management system, characterized in that the step. The method of claim 4, wherein The step of storing the billing data in the credit management system, the mobile phone micropayment using the credit management system, characterized in that for storing the user's name, social security number, mobile phone number, content provider, payment target amount, payment amount, unpaid amount Way.