KR20050020535A - Real-time payment system make use direct-card for buying to telecommunication prepaid-card - Google Patents

Abstract

PURPOSE: A real-time debit card settlement system for buying a prepaid card of wired/wireless communication services is provided to enable foreign workers incapable of having a credit card or using post-payment of a telephone to receive a refill service for domestic/international telephone prepaid card by opening a settlement account and receiving the debit card from a bank. CONSTITUTION: Communication providers(30,40) perform an initial communication service and sell the prepaid card for the communication service. A reseller(10) retails the prepaid card to customers(50,60) by purchasing it wholesale. The customers request purchase of the prepaid card through a wired telephone(71), a mobile phone(72), or the Internet(70). The bank(20) approves/processes debit card settlement between the customers and the reseller, and between the reseller and the communication providers.

Description

Real-time payment system make use direct-card for buying to telecommunication prepaid-card}

The present invention relates to a business method using an instant payment system through a bank debit card or a credit card company's check card in the purchase and sale of prepaid cards for wired and wireless communication services.

In other words, in the method of purchasing a prepaid card (10,000 won, 30,000 won, 50,000 won, etc.) to be used as a real-time instant payment method instead of a post-payment method, a consumer visits a newsstand, a convenience store, or another retailer. For example, it was a form of purchasing a prepaid card for domestic and international currencies in cash, or a credit card or bank account transfer method through online deposit or the Internet.

At this time, in case of online or internet method, resellers or telecommunications service providers have proceeded to check the amount of money in their account 4 to 5 times a day and recharge (refill) the amount of money. .

However, these payment methods were virtually impractical for foreign workers and minors. Apart from the minority group, there are about 600,000 foreign workers in Korea, including Korean-Chinese workers. Most of them are customers who have limited credit card issuance or post-payment methods for telephone service due to the uncertainty of their credit status. Nevertheless, it is also true that the volume of international calls they make to their home countries is very large. Therefore, the present invention, if they visit a bank (or a credit card company that services check cards) or open a debit card issuance and payment for payment, it is not necessary to go to the bank often or go to the newsstand, 24 hours anytime Internet or telephone The aim is to provide a service system for refilling prepaid cards through ARS. Most of these foreign workers are hard to go to the busy streets at night due to the hard work of 13 to 15 hours a day, and at that time, the stalls are closed so that they can buy a card only on weekends or Sundays. Unfortunately, a large number of foreign workers are using local PC rooms, and the idea of refilling through the reseller's homepage was conceived as providing a 24-hour payment system via the Internet might be a good option for them. In addition, debit card payment through ARS was made possible on wired and wireless systems.

Existing credit card, online deposit, and bank transfer refill service did not have real-time check first, so customers had to take the inconvenience of receiving a refill after a few hours, and even at night, the service could not be achieved. Did not recieve. In addition, the post-pay credit card for these services is a picture that is not allowed for foreigners, and online deposit method would have preferred to buy prepaid card cash at the newsstand if they were physically allowed to go to the bank. In addition, it is true that the bank transfer using the Internet or ATM (cash dispenser) could not be properly performed as a service due to the lack of language selection services in many countries.

The present invention is to devise the present system to realize a 24-hour real-time providing service through the network between the affiliates using a debit card that can be issued even if the credit status is not recognized to solve these inconveniences.

The present invention is a prepaid card resellers who are in charge of "marketing" to foreign workers and will operate "prepaid card sales" via ARS or the Internet; Banks or other credit card companies that will be in charge of "issuing debit cards", "opening payment accounts" and their "24-hour real-time payment management" centered on them; System network through advance cooperation with domestic wired / wireless telecommunication service providers that can supply real-time refill service 24 hours a day, ie, "domestic wireless telephone", "international wireless telephone" and "international wireline telephone" service providers King "should be done.

In addition, prepaid card resellers who will be in charge of marketing will need sufficient line capacity and system to cope with the ARS amount that may be concentrated for a certain time, and the web browsing and large management server that can handle the purchase on the Internet. In addition, several dedicated lines should be connected for system and data transmission with related network companies. In order to provide 24-hour real-time service, each affiliate must be prepared to respond to prepare for failures.

In addition, resellers operating internet purchasing sites should make full efforts to provide language services to foreign workers, including Southeast Asia.

In addition, according to the present invention, the communication service providers 30 and 40 may perform the functions directly except for the resale service provider 10. In that case, three affiliates will be reduced to two, leaving only banks (financial institutions) and telecommunication operators (30, 40).

In order to achieve the object of the present invention, each subsidiary must have a dedicated network for information sharing between affiliates;

Each affiliate receives purchase application information from customers (50, 60); Transfer this data; Personal information confirmation, approval, payment notice; Communication service charging; In addition, a series of payment and product services, and a real-time operating system that can be implemented immediately, must be configured.

Hereinafter, with reference to the accompanying drawings, the present invention will be described in detail "real-time debit card payment system for prepaid card purchase".

Attached FIG. 1 is a schematic diagram of system networking between affiliated companies in the present invention. First, wired / wireless domestic and international telephone prepaid card customers (50,60) and prepaid card resale operators for selling them (10) ) And customers (50,60) to open a debit card and payment account, and the bank (or financial institutions such as credit card companies) that the customer provides a payment system for purchase requests through the reseller 10 If made, it is connected to the telecommunications carriers 30 and 40, which are wired / wireless domestic and international telephone service providers that charge and provide communication services to the customers 50 and 60, and as shown, a dedicated line connecting these affiliates (80). Networks can be configured by connecting to (81,82,83).

The purchase of the prepaid card is decorated with a system that allows the customer (50, 60) to request the purchase through the Internet line 70 and landline (71), wireless phone 72 to the reseller 10.

2 is a block diagram illustrating the system of the prepaid card reseller 10 for communication in the present invention. In addition to the reception through the Internet line 70 from the customers 30 and 40 in the system, the wired ( 71). ARS system 11 for receiving purchase requests via wireless 72 telephone, server 12 for managing customer authentication and customer database, and web browsing 14 for receiving purchase requests over the Internet and these It consists of an authentication processing unit 13 as a debit card merchant that processes the debit card payment request received from the bank 10 in connection with.

In particular, the ARS system should have a built-in switching device that automatically switches to a communication provider (30, 40) system in order to move to a full-fledged call by the customer's choice, for this purpose, the reseller 10 and the carrier (30,40) ARS switching line 81 should be prepared. In addition, when a refill occurs through the ARS code to correspond to the ARS refill, it is connected to the authentication processing unit 13 and recognizes the ARS code in the debit card authentication unit 23 of the bank 20 through a dedicated line 80 between banks. Through the section 24, the authentication process can be performed. The data generated at this time is automatically stored in the bank 20 and the reseller 10 DB management server, respectively. In addition, as shown in FIG. 8, in order to allow customers, resellers, and telecommunications operators to simultaneously purchase and settle the payment, a management program may be created in the banking system to automatically link the purchases made by the ARS to the wholesale purchase of the resellers. .

3 is a block diagram of the bank's approval and payment system in the present invention, the bank 20 is a debit card for processing the approval request for the debit card payment from the reseller 10 The authentication unit 23 and confirms and approves the allowable amount of payment through the deposit balance for each customer account, and after approval with the management server 21 for managing the debit card customer, the payment is processed and notified immediately. It is characterized by consisting of a debit card payment unit 22. The debit card authentication unit 23 notifies the reseller 10 and the telecommunications provider 30, 40 of the payment information through the dedicated lines 80 and 83, respectively. At this time, the reseller 10 and the telecommunications provider 30, 40, which have received the processed information immediately, can charge the customer 50,60 as a purchase amount of domestic and international currency services based on the information. In particular, the debit card authentication unit 23 has a built-in ARS code recognition unit 24 which can automatically and immediately authenticate the customer's purchase request ARS signal coming through the reseller 10, the customer more Corresponds to "Purchase via ARS" for convenient purchase.

4 is a block diagram of a prepaid card communication service provider system according to the present invention, wherein the service providers 30 and 40 manage the entire prepaid card customer to manage an existing customer (direct cash purchase customer) in the operating system. In the server 31, there should be a server 32 of a management function for a debit card payment customer separately, and the management server receives a purchase request from the reseller 10 through a debit card as a debit card merchant authorized by the bank. With the ARS system 35 which receives the ARS conversion from the authentication processing unit 36 and the reseller 10 and connects to the communication service, the use time control system 34 for each customer account managing the customer information and the communication accordingly It is composed of a wired and wireless communication control system 33 for providing and controlling services.

5 is a flowchart illustrating a prepaid card use and purchase method of a consumer in the present invention. When the customers 50 and 60 are connected to the reseller 10 through wired and wireless telephones, the customers 50 and 60 are connected to the ARS system 11. In the first step, "Go-Step", the customer selects the appropriate language. In the "I-Step", the customer inserts the customer number (or debit card number) and password. Press to go directly to the new purchase announcement. In the "multi-step", the customer (50,60) is notified of the current usage balance and asks for the selection of the balance currency (number 2) without purchasing or purchasing the card (number 1).

At this time, the separated "la-step" is as follows. Customers who choose to purchase a card are asked to refill and choose a new one in the "la-a-step". In the refill of "Ma-Step", you can register your account (ID, PASSWORD login) through the reseller's homepage (24 hours) and purchase the prepaid card by the debit card. Purchasing via (a) and ARS purchasing through debit card number insertion and selection numbering in the order required by ARS.

In addition, if a customer (50,60) wants a new purchase in "La-a-phase", he / she can visit the designated bank (or credit card company) directly to open a debit card payment account and receive a notice to receive and use the debit card. have.

If the customer with a balance or a new customer wants to make a full call by pressing the number 2 again, the ARS system of the reseller 10 is switched to the ARS system of the communication service provider 30, 40. Connected. The "la b-stage" could be used to select telecommunication operators such as wired and wireless, domestic and international telephone and joint operators. Upon passing this step, in the "b-step", the carrier 30,40 asks the customer to press the prepaid card number and subsequently asks for a password. And in the "four-stage" it is said to press the final call destination, that is, the destination number. In the "sub-step", the call is made. In the "sub-step" after the call, the balance is notified to the customer. Then, the sequence is completed by pressing 1 ("a-step") if you want to refill the sequence or pressing the END button twice if you want to exit.

Here, the system stores the user's balance information in the telecommunications operator DB management server and simultaneously notifies the reseller 10 DB management server 12 of the customer information so as to respond to the balance notification in the "multi-step".

In addition, when the customer (50,60) purchases the prepaid card through the Internet and telephone through the bank's own debit card account, the reseller (10) is also the reseller's debit card through the bank (20) to the carrier (30, Purchase a prepaid card in real time or make a purchase request to prepare inventory. Therefore, the difference between the purchase amount and the sale amount generated is the margin of each operator, and the bank's income is a certain rate fee that is incurred for each debit card payment. This is illustrated well in the accompanying FIG. 6.

6 is a flowchart illustrating a payment flow of prepaid card purchase amount between affiliates in the present invention, all of which is made in the bank 20 with an instant payment system. Therefore, FIG. 6 may be considered as a system processing procedure of a bank.

First, when a customer (50,60) requests a resale provider 10 to purchase a 10,000 won prepaid card, for example, through a landline, a wireless telephone, or the Internet, the reseller 10 receiving the received communication communicates with a debit card magnetic account. Ask a business to purchase it for 8,000 won. When the bank checks and approves the balance, the telecommunications carriers 30 and 40 make a sale and receive an immediate payment from the bank. Subsequently, the reseller 10 checks the balance in the debit card payment account of the customer (50,60), and then sells the card for 10,000 won, leaving the prepaid card 2,000 won to the customer through the approved bank information. Payment is made immediately by the bank's immediate payment system. Alternatively, the reseller 10 may buy a spare prepaid card in the middle and sell the inventory to the customer first, and then buy the inventory again to the telecommunications provider. It is important that the reseller 10 notifies the telecommunications carriers 30 and 40 of the number of the prepaid card at which the reseller 10 sells to the customer and the payment is made, and the telecommunication service provider immediately recharges the telecommunications service.

7 is a flowchart showing the business process between each affiliate in the present invention, 1) First, the customer (50,60) first visit the designated bank 20 directly to purchase a prepaid card to apply for debit card issuance And open an account for payment. When the debit card is issued, 2) secondly, the resale operator 10 applies for a prepaid card purchase through the wired or wireless telephone or the Internet. Then, the reseller 10 receiving the purchase application 3) thirdly provides the bank 20 with the debit card information received from the customer and requests the approval for payment. 4) Fourth, the bank 10 checks the balance of the payment account of the debit card, and if there is a balance, approves it and immediately pays the balance. The reseller 10 receiving the payment from the bank sells the prepaid card secured in stock to the customers 50 and 60 in advance. At this time, the sales method is to provide the number of the prepaid card, and at the same time, 6) sixth, the service provider 30, 40 applies for the service operation so that the communication service can be operated for the sales number. In this case, the customer's initial mobile phone number will be notified together. The reseller 10 management server 12 stores the corresponding prepaid card number in the customer account in the management server so that the customer can always check the customer account, and the customer account is transmitted from the service provider 30 and 40 later. It is managed together with the remaining call volume notification data. 7) The seventh telecommunications operator (30, 40), who received the service operation request from the reseller (10), opened the service for the customer to use (charge the existing customer), and eighth, the eighth customer used the call. You can do A series of processes for the call is completed, and 9) the ninth, the reseller 10 purchases a prepaid card for restocking from the carrier 30, 40 from time to time to secure the inventory for selling the prepaid card to the customer. This procedure is carried out between the reseller 10 and the telecommunications carrier 30, 40 using a debit card settlement method with the bank as in the case of the customers 50, 60 and the reseller 10. In other words, 10) the telecommunications operator receiving a purchase application from the reseller, requests the bank to approve the debit card payment. 11) The bank, which is requested to do so, confirms the balance of the reseller's payment account and approves and pays it. 12) Twelfth, the sales are made by notifying the resellers of the card numbers according to the purchase amount. The reseller with the stock is then ready to accept a card purchase from the customer, as in the second. In this cycle, business behavior is circulated.

8 is another embodiment of the process showing the work process between the affiliates in the present invention, Figure 7 is a reseller 10 purchases a predetermined amount of prepaid card inventory from the carrier (30, 40) from time to time If it corresponds to the purchase request of the customer (50, 60), Figure 8 is a progress of the simultaneous purchase from the communication provider at the request of the customer without inventory in real time. Description 1) First, the customer (50,60) first visits the designated bank 20 directly to purchase a prepaid card to apply for debit card issuance and open an account for payment. When a debit card is issued, 2) secondly, the reseller 10 applies for a prepaid card purchase through a wired or wireless telephone or the Internet to the reseller operator 10. Then, the reseller 10 receiving the purchase application 3) Thirdly, the reseller 10 applies for the wholesale prepaid card purchase in the same manner to the telecommunications carriers 30 and 40 with the debit account of the reseller 10 persons. . 4) Fourth, the carrier (30, 40) receives the request and approves the bank (2) for approval of the debit card. 5) The fifth is that the bank confirms the balance of the reseller and approves it to the carrier. -Make a payment. 6) Sixth, sell the prepaid card by notifying the card number as much as the purchase amount (DB server storage). When the purchase process is completed, the reseller 7) makes a seventh request to the bank to approve the customer's debit card. 8) The eighth time the bank checks the customer's balance and approves the payment. 9) The ninth prepaid card. To the telecommunications carrier (30, 40) immediately to the telecommunications carrier (30, 40), 11) to allow the telecommunications carrier to enter into service in the eleventh step; It ends with the use phase.

As described above, according to the present invention, foreign workers who do not receive a post-paid communication service or credit card is not provided with a credit condition. It is expected that the payment system can be used to relieve the inconvenience of long distance travel. In addition, if the communication system (30, 40), except for the reseller 10, using the system of the present invention with a direct marketing function, by returning the margin of the reseller (10) in the intermediate stage to the customer (50, 60) In addition to price discounts, there will be advantages in taking advantage of price competition with competitors.

1 is a schematic diagram of a system networking between affiliates according to the present invention

2 is a system block diagram of a prepaid card reseller for communication according to the present invention.

Figure 3 is a block diagram of the bank approval and payment system according to the present invention

Figure 4 is a block diagram of a prepaid card communication service provider system according to the present invention

5 is a flow chart showing a consumer prepaid card use and purchase method according to the present invention

Figure 6 is a flow chart showing the payment flow of the prepaid card purchase amount between the affiliates according to the present invention

Figure 7 is a progress diagram showing the sequence of work between each affiliate according to the present invention

Figure 8 is another embodiment of the process showing the process of work between each affiliated company according to the present invention

<Description of the code | symbol about the principal part of drawing>

10: Prepaid card reseller business system for communication (hereinafter referred to as reseller)

11: Reseller Service ARS System 12: Customer Certification and DB Management Server

13, 36: Debit card merchant authentication processing unit 14: Web browser

20: Bank debit card payment system (hereinafter referred to as bank)

21: Bank debit card customer management server 22: Debit card payment unit

23: debit card authentication unit 24: ARS code recognition unit

30: Prepaid card provider system for wireless domestic phone (hereinafter referred to as telecommunications provider)

31: All prepaid card customer management server 32: Debit card payment customer management server

33: Wireless communication control system 34: Usage time control system for each customer account

35: ARS system for communication service provider

40: Prepaid card operator system for wired and wireless international calls (hereinafter referred to as telecommunications provider)

50: Prepaid card customers for wired / wireless international calls (hereinafter referred to as customers)

60: Prepaid card customers for wireless domestic calls (hereinafter referred to as customers)

70: Internet line track

71: wired telephone line

72: cordless telephone line

80: dedicated line between bank and reseller

81: ARS conversion line between reseller and telco

82: dedicated line between reseller and telecommunications provider

83: dedicated line between banks and telecommunication operators

Claims (4)

The present invention relates to a system for making a payment with a debit card (including a check card) in purchasing a prepaid card for communication. A telecommunications provider (30, 40) for carrying out an initial telecommunication service and selling a prepaid card, which is a commodity in the form of securities; A reseller 10 who purchases it wholesale and sells it to customers 50 and 60 in retail; A customer (50, 60) making a purchase request to the reseller 10 for the retail purchase of the card through a landline (71) and a wireless phone (72) or the Internet (70); A bank 20 that approves and processes the debit card payment between the customers 50 and 60 and the reseller 10 and between the reseller 10 and the telecommunications provider 30 and 40; It is characterized by consisting of These banks 20, resellers 10 and telecommunications carriers (30, 40) in the present invention is a network affiliated, can be connected to the Internet, but mainly by leased lines (80, 81, 82, 83) It is configured to mutually transmit and share a part of the customer management information from each management server and processing system, The bank 20 has a management server 21 that manages only the debit card customer and the ARS code recognition unit 24 that can be processed as an ARS code signal. 40) and a debit card authentication unit (23) connected to the reseller 10 and a dedicated line and a debit card payment unit (22) that is responsible for approving and paying the balance; The reseller 10 debits the ARS system 11 that includes recording equipment to receive a purchase request from customers, a web browser 14 to receive an application over the Internet, and a debit function for requesting approval of the customer's debit card payment. It has an operating system consisting of an authentication processing unit 13 as a card merchant and a customer DB management server 12 connected with authentication processing and communication service providers 30 and 40 of a customer account; In addition, the carrier 30, 40 is a separate debit card payment customer management server 32 in the ARS system 35 and the entire prepaid card customer management server 31 to receive the incoming customer call converted from the reseller 10. And a control system 33 for controlling wired / wireless communication and a control system 34 for controlling usage time for each account of the customer, and as a debit card merchant as well as a reseller 10. Having a relationship system with an authentication processing unit 36; "Real-time debit card payment system for communication prepaid card purchase" , which is characterized by the cooperative system that these partner companies can respond to customers' request for prepaid card purchase in real time. In determining the procedures and steps in which the business proceeds and the roles of each subsidiary; As shown in FIG. 7, the first (50) and first (60) customers visit the designated bank 20 directly to purchase a prepaid card, apply for issuance of a debit card, and open an account for payment thereof. Wow ; If the debit card is issued "2) the second step of applying for the prepaid card purchase by the debit card to the reseller 10 through a wired and wireless telephone or the Internet; As a result, the reseller 10 receiving the purchase application provides the personal information received from the customer to the bank 20 as a signal information, such as a debit card number and a password, as "3) the third" and approves for payment. Requesting; "4) the fourth step, the bank 10 confirms the balance of the payment account of the debit card, and if there is a balance, approves it and immediately makes a payment; "Fifth" The reseller 10 receiving payment from the bank side sells the prepaid card secured in stock to the customer (50, 60) in this case (the selling method is to provide the number of the prepaid card). Wow ; At the same time, "6) the sixth step of notifying the service provider so that the communication service (30, 40) to operate the communication service for the corresponding sales number (in this case, the customer's initial cell phone number is notified with the notification application); After the sale is made, the reseller 10 management server 12 stores the corresponding prepaid card number in the customer account in the management server so that the customer can always check for the customer management, and the corresponding customer account is the carrier (30,40). The account is operated to be linked with the customer's call usage history delivered from) and managed together as the remaining call notification data, and the carrier (30, 40), which received the service operation request from the reseller 10 as the seventh, is the customer. Opening a service (recharging an existing customer) for this use; "8) In the eighth step, the customer proceeds to use the currency, thereby completing the series of calls." 9) In the ninth, the reseller (10) frequently makes an effort to secure inventory to sell the prepaid card to the customer. Purchasing a prepaid card for restocking from the telecommunications carriers 30 and 40 (purchasing procedure is performed between the reseller and the telecommunications carrier by a debit card payment method through a bank as in the case of the customer and the reseller); "10) the telecommunications carrier (30, 40) received a purchase application from the reseller 10 in the tenth step to request the bank to approve the debit card payment; "11) the bank 20, which has been requested as the eleventh step, after confirming the balance of the reseller's payment account, approving and paying; The carrier (30, 40) confirming this is the "12) twelfth" step by which the resale service provider is notified by notifying the card number according to the purchase amount; Progress and accordingly the reseller (10) with a stock "2) The second," came the step which is characterized by cycles business activity is circulating that receive a card purchase application from the customer is ready you can "communication prepaid card Real-time debit card payment system for purchases " In determining the procedures and steps in which the business proceeds and the roles of each subsidiary; As shown in FIG. 7, the first (50) and first (60) customers visit the designated bank 20 directly to purchase a prepaid card, apply for issuance of a debit card, and open an account for payment thereof. Wow ; If the debit card is issued "2) the second step of applying for the prepaid card purchase by the customer's debit card account to the reseller 10 through a wired and wireless telephone or the Internet; The reseller 10 receiving the purchase request according to the third "3" to the debit account of the reseller (10) in the same manner to apply for the wholesale prepaid card purchase to the telecommunications providers (30, 40) in the same manner; "4) the fourth step, the telecommunications provider (30, 40) receives the request for approval for payment of the debit card to the bank 20 side; "Fifth", the bank checks the balance of the reseller, and then approves and pays the service provider; Selling carriers 30 and 40 confirming the payment step of selling the prepaid card by "6) the sixth" by notifying the card number as the purchase amount (DB server storage); When the purchase process is made, the reseller performs a seventh seventh request to the bank 20 for an authorization request for payment of the customer's debit card; "8) the bank checks the customer balance and approves the payment;" 9) the ninth step, selling the prepaid card to the customer by the card number notification (DB server storage); and "10) the tenth. Notifying the telecommunications provider 30, 40 immediately; "11), the method comprising steps to be able to ferment the carrier service as the eleventh and;" 12), twelfth in real time for the purchase of "a series of that feature made the process as a step in the use of customer calls" communication prepaid card Debit Card Payment System " The method of claim 1, wherein the customer enters a reseller's access number and proceeds with a call or purchase of a card; Connecting the first customer 50, 60 to the ARS system 11 through a wired or wireless telephone connection to the reseller 10 as shown in FIG. 5; Selecting a language by the customer; Selecting a new prepaid card (number 2) or inserting a customer number (or debit card number) and password (number 1) if the customer is an existing customer (if not available); The customer is notified of the current usage balance or is required to purchase a card (number 1) or to select a balance currency (number 2); At this time, when the customer selects the "purchase card (No. 1)", the step of being asked to select a refill or a new purchase (with announcement); Purchase step through ARS to purchase through reseller's homepage purchase guide or by pressing numbers in the order required; If the customer selects "balance currency (number 2)", the fourth step is the balance notification and the purchase of the card and the call selection, and then the reseller 10 from the telecommunication operator (30, 40). Switching to and connected to the ARS system; Dialing a prepaid card number; Pressing a password; Pressing the call destination number; Making a full call via the call; Receiving notification of the remaining balance after the call; Selecting refill purchase or termination; Finally ending; Characterized by proceeding to "real-time debit card payment system for purchasing prepaid card for communication"