KR20050021805A - Micro-billing Method of Post-pament Using Telephone - Google Patents

Abstract

PURPOSE: A micro-billing method for post-payment through a telephone using a telephone number and a password is provided to perform micro-billing of the post-payment after certification of a telephone provider by making a seller receive the telephone number/password from a telephone owner, as the password is registered to an owner information database of the telephone provider by the telephone owner. CONSTITUTION: The telephone provider registers the password for the micro-billing of the post-payment to the owner information database by a request from the telephone owner. The telephone provider receives a request for the micro-billing of the post-payment from an Internet buyer through an Internet seller(302), and transmits a certification result to the Internet seller after certification by receiving the telephone number/password(304). The telephone provider performs the micro-billing of the post-payment according to the request from the Internet seller and returns the result to the Internet seller(306). The telephone provider bills a use charge including post-payment price based on use details recorded in a billing information database to each telephone owner.

Description

Micro-billing Method of Post-pament Using Telephone}

The present invention relates to a small postpay payment method using a landline telephone and a computer readable recording medium recording a program for realizing the method. More specifically, the landline telephone company requests from a user (a landline telephone owner). Register a password for a small postpay payment in the owner information database managed by the user, and the seller on the Internet receives the telephone number and password from the landline owner (or his family, etc.) to authenticate the landline telephone company. The present invention relates to a small postpay payment method using a wireline telephone and a computer readable recording medium for recording a program for realizing the above method so that the wireline telephone postpay payment is made.

Recently, commerce using the Internet has been in the spotlight as a means to buy cheap and good goods most conveniently in the information society. Online shopping malls, such as the Internet and PC communications, are open 24 hours a day, and items sold over the globe can be ordered at any time with just a few taps on the keyboard. In addition, since there is no intermediate distribution process, there is almost no distribution margin and logistics costs, and operating costs such as building rents are less expensive than ordinary stores.

In such an internet commerce, a seller involves an activity (payment) of delivering a product or service to a consumer and receiving payment from the consumer. In particular, in the case of intangible goods such as information, the entire transaction from ordering to service delivery to payment can be completed on the Internet. The payment method of the Internet commerce includes a payment method by telephone, a payment method by credit card, a payment method by electronic money, and a payment method by bank transfer.

First, the payment method by account transfer is possible both online and offline, but in the case of offline account transfer, it is very inconvenient because the seller has to manually confirm the deposit. In the case of online bank transfer, after completing the application and registration for internet financial transactions (internet banking) with the bank, the consumer must find the deposit account number of the seller and transfer the account online via the Internet. By the way, the payment method by this account transfer has to know the payment account number of the seller, there was a very inconvenient problem because the consumer must directly transfer the account. In addition, there is a problem in that it is difficult to use the transaction fee (account transfer fee) is high compared to the purchase price when a small payment.

In addition, a payment method using a credit card which is most used in internet commerce is a method in which an individual enters a credit card number, authenticates with a password, and pays a price through a payment broker (payment gateway). This is a very inconvenient problem because you have to enter a credit card number (for example, 16 digits) every time you pay.

In addition, the payment method by electronic money stores a certain amount of the bank deposit as an electronic sign on a plastic card (called an electronic wallet) that is only a credit card with an IC chip (Integrated Circuit Chip). Alternatively, when payment for the service, the payment amount (electronic symbol) is a new form of payment means for transferring to the seller's terminal (or electronic wallet). Electronic money is called electronic money in that it is very similar to cash issued by a monetary authority because not only can it be recharged from the deposit account into the IC card when it is used up, but also has a widely accepted purchasing power.

Such electronic money is capable of storing and transferring value, and has the main functions as a currency such as generality and anonymity that can be used anywhere, and it is possible to avoid the inconvenience of remote transportation and the cost and theft risk of archival transportation. There is an advantage to reduce, but it is not yet widely used because of lack of merchants and lack of awareness of the general public.

On the other hand, the payment method by phone is a payment method that can be used not only by a cordless phone such as a mobile communication terminal but also by a landline phone, and is very convenient because a phone number that is familiar to the general public is entered at the time of payment, and is particularly convenient for small payments. . There are two methods of payment by telephone: a prepaid payment method in which a predetermined amount is paid in advance, and a payment amount is deducted from the paid amount, and a postpaid payment method in which the bill is added to the next telephone usage fee after the prepayment.

By the way, in the post-payment payment method of landline telephones using a general telephone, the seller conventionally gives the customer an automatic answering service (ARS) number and an authentication number through the Internet, and the consumer directly to the assigned automatic answering service (ARS) number. It was a way to make a payment by dialing and entering a verification code. In addition, another method is a method in which a payment is made by a seller receiving an input of a phone number from a consumer, giving an authentication number, and then calling the customer with a phone number input from the seller to receive a verification number.

However, the conventional methods have a very inconvenient problem because the consumer must make or receive a phone call while using the Internet, and write down the authentication number given through the Internet and re-enter it.

In addition, the conventional methods as described above have a problem that cannot be used when the consumer is far from the landline telephone.

The present invention has been proposed to solve the above problems, wired telephone operators register a password for a small postpay payment in the owner information database managed by the user according to a request from the user (wired telephone owner), the Internet After the seller of the merchant receives the telephone number and password from the landline owner (or his family, etc.) and authenticates the landline telephone operator, the small amount of post payment by landline is made. It is an object of the present invention to provide a computer-readable recording medium recording a payment method and a program for realizing the method.

In order to achieve the above object, the present invention, in a small postpay payment method using a landline telephone, the owner information database that the landline telephone operator manages a password for the small telephone postpaid payment upon request from the landline telephone owner Registering with the first step; A second step in which the landline telephone company receives a payment request for a small post-payment of a landline telephone from an internet buyer through an internet seller, receives a telephone number and a password, authenticates the result, and delivers an authentication result to the internet seller; A third step of the wireline telephone company performing a small postpay payment in response to a small postpay payment request according to a successful authentication from the internet seller, and then returning the result; And collect the post-paid payment amount for each internet seller by integrating the wired telephone owner with the amount of the post-paid payment according to the usage history of the landline telephone owner recorded in the billing information database managed by the landline telephone company. And a fourth step of calculating.

In addition, the present invention provides a first function of registering, in a small postpaid payment system with a processor, a landline telephone company a password for making a small postpaid telephone payment in a owner information database managed by the landline telephone company in response to a request from the landline telephone owner. ; A second function of receiving, by the wireline telephone operator, a small telephone postpaid payment from an internet buyer through an internet seller, receiving and authenticating a telephone number and a password, and then transmitting the authentication result to the internet seller; A third function of performing, by the landline telephone company, a small postpay payment in response to a small postpay payment request according to a successful authentication from the Internet seller, and then returning the result; And collect the post-paid payment amount for each internet seller by integrating the wired telephone owner with the amount of the post-paid payment according to the usage history of the landline telephone owner recorded in the billing information database managed by the landline telephone company. And a computer-readable recording medium having recorded thereon a program for realizing the fourth function of settlement.

The above objects, features and advantages will become more apparent from the following detailed description taken in conjunction with the accompanying drawings. Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings.

1 is a configuration diagram of an embodiment of a wired telephone micropayment payment system to which the present invention is applied.

As shown in FIG. 1, the fixed line telephone postpaid payment system to which the present invention is applied includes an internet purchaser 11, an internet seller 12, and a landline telephone operator 13.

The Internet buyer 11 is a landline telephone owner or his family who purchases a product (including an intangible product) through the Internet and requests a small postpay payment using a landline telephone.

The Internet seller 12 refers to a content provider, a service provider, and the like, who sell goods (including intangible goods) through the Internet and provide various payment methods including wired telephone postpay payment.

The landline telephone company 13 refers to a general wireline carrier, and includes an owner information database 131 storing information on a landline telephone owner and a billing information database 132 storing charge information on a landline telephone owner. Taking care of it.

On the other hand, in order for the Internet purchaser 11 to use the wireline small postpay payment service, a password for the wireline small postpay payment must be registered in the owner information database 131 managed by the landline telephone company 13. To this end, the existing owner information database 131 needs to have a field 25 for storing a password.

That is, as shown in FIG. 2, the owner information database 131 conventionally used in the landline small postpay payment system includes a name field 21, a telephone number field 22, a social security number field 23, and an address field. (24) and the like. The present invention adds a password field 25 for authenticating small deferred payments to such existing owner information database.

Subsequently, when the internet purchaser 11 requests a postpay payment for a wireline telephone via the Internet, the internet seller 12 receives the landline telephone number and a corresponding password (password registered in the owner information database 131) from the internet buyer 11. After receiving the authentication, make a small postpay payment for landline phone.

The overall operation of the present invention will be described in more detail with reference to FIGS. 3 to 6.

3 is a flow chart of an embodiment of a wired telephone micropayment payment method according to the present invention.

First, in order to make a small postpay payment for a landline phone according to the present invention, the landline owner password registration process described above should be preceded. This process will be described later with reference to FIG. 4.

Subsequently, the internet purchaser 11 including the landline owner and his / her family and the like purchases the goods to the internet seller 12 and then requests a small post-payment of the landline telephone (301). At this time, there may be various payment methods provided by the Internet seller 12, and the Internet buyer 11 may select a small post-payment of a wireline telephone from among various payment methods.

The internet seller 12 who has received a wired telephone post payment payment request from the internet buyer 11 receives a telephone number and a password from the internet buyer 11 and requests authentication from the landline telephone company 13 (302). At this time, as described above, the password is a password registered in advance in the owner information database 131 of the landline telephone company 13 in order to use the landline telephone small postpay payment. The landline owner can share his registered password with his family. In addition, when receiving the telephone number and password, the owner of the landline telephone, including a social security number, may be input together to increase the reliability.

Subsequently, the Internet seller 12 receives the authentication result from the landline telephone company 13 (303), and if the authentication result is notified, notifies the internet purchaser 11 of the authentication failure (305), and if the authentication result is successful, the landline phone. The business operator 13 requests post payment payment for the goods purchased by the Internet buyer 11 (304).

Then, the landline telephone company 13 processes the postpaid payment using the owner information database 131 and the billing information database 132 which are managed by the internet seller 12 according to a request from the internet seller 12, and then processes the postpaid payment. Return to internet seller 12 (306). The internet seller 12 transmits the postpaid payment processing result returned from the landline telephone company 13 to the internet buyer 11 (307).

At this time, the post-payment payment processing of the landline telephone company 13 will be described in more detail.

First, when the landline telephone company 13 receives the postpaid payment request from the internet seller 12, the requested postpaid payment amount and the payment information are referred to the billing information database 132 with reference to the owner information database 131 managed by the landline telephone company 13. The approval number is recorded in correspondence with the owner (or telephone number), and the approval number is returned to the internet seller 12 as a result of the post-payment processing. Then, the Internet seller 12 delivers the postpaid payment processing result (approval number) received from the landline telephone company 13 to the Internet buyer 11. At this time, the approval number received by the Internet buyer 11 is notified as a billing detail in the telephone bill subsequently charged to the landline telephone owner.

Thereafter, the landline telephone company 13 charges the post-paid amount to the landline telephone owner monthly bill as described above, and the landline telephone owner will receive the post-paid billing amount billed together with the authorization number in the bill. . Then, the landline telephone provider 12 sums up the postpaid payment amount received from the landline telephone owner and delivers it to the Internet seller 12.

On the other hand, the small postpay payment method using a wired telephone according to the present invention can be implemented in a web service method (SOAP Request / SOAP Response), and thus can be easily applied to various Internet sites regardless of the platform and the language.

For reference, the web service method is a service integration technology that can automate tasks by using data communication functions between different applications mounted on heterogeneous platforms, and programs written in separate languages on separate platforms It is a technology that guarantees interoperability to communicate with each other on a standards-based basis.

In particular, "SOAP" is a lightweight and simple XML protocol designed to exchange structured and typed information on the Web. It is a hypertext transfer protocol (HTTP), a transmission control protocol / Internet protocol (TCP / IP), and a simple mail transfer protocol. It can be used in conjunction with existing Internet protocols such as Simple Mail Transport Protocol (SMTP), and Multipurpose Internet Mail Extensions (MIME), and can be used for applications ranging from messaging systems to remote procedure calls (RPC). Support.

Figure 4 is a detailed flow diagram of an embodiment of the wireline telephone owner password registration process of the wireline small postpay payment method according to the present invention.

First, the owner of the landline telephone requests a password registration for a small postpay payment to the landline telephone company 13 (401). At this time, the password registration process may be performed using an Internet site or an automatic answering service (ARS) provided by the landline provider 13 side. In the case of using the ARS, voice prompts for the password registration procedure can be provided for the user's convenience.

Then, when the owner of the landline phone enters a password through an Internet site or an automatic answering service (ARS) (402), the landline telephone company 13 checks whether the entered password is valid (403), and if not, the reason is not. After guiding, the process proceeds to "402". In this case, when the password is not valid, it means that it does not meet a predetermined condition, and the condition may not be the same as the last digit of the telephone number or may not be one consecutive number.

On the other hand, if the verification result 403, if the input password is valid, the landline telephone operator stores the input password in the owner information database 131 (404), and returns the password registration result to the landline telephone owner (405).

Thereafter, the landline owner can change the registered password, and the process is similar to the general password change process, and receives the currently registered password from the landline telephone owner, and whether or not the password matches the registered password in the owner information database 131. To authenticate and change the user. Since this process can be easily inferred, it will not be described in detail here.

In addition, the landline telephone company 13 checks the owner of the landline phone through the input of the resident registration number, etc. only at the time of initial registration of the password, and in the subsequent change process, the identity of the landline phone is confirmed by the currently registered password, so it may be omitted.

5 is a detailed flowchart illustrating an embodiment of an internet purchaser authentication process of a wired telephone postpay payment method according to the present invention.

First, the Internet seller 12 receives a telephone number and password (or basic telephone owner information, such as a social security number) from the Internet buyer 11, and requests authentication from the landline telephone company 13 (501).

Then, the landline telephone company 13 according to the authentication request from the internet seller, the telephone number and password (or basic landline telephone owner basic information such as social security number) registered in the owner information database 131 managed by him and the internet seller. (12) Check whether the basic information of the landline owner and the password (or the basic information of the landline owner such as social security number) received from (12, 503) are matched (502, 503). 12, and if it does not match, a result indicating that authentication failed is transmitted to the Internet seller 12 (505).

In this case, the basic information of the landline phone owner required for authentication may further include a name, a resident registration number, etc. to identify the landline phone owner in addition to the phone number.

Figure 6 is a detailed flowchart of one embodiment of the receiving process of the wireline small amount postpay payment method according to the present invention.

First, the landline telephone company 13 collectively bills the landline telephone owner the use amount including the postpaid payment amount according to the usage history of the landline telephone owner recorded in the billing information database 132 (601).

Then, the landline telephone owner pays the unpaid billing amount, including the postpaid settlement amount (602), and the landline telephone company (13) calculates the postpaid amount for each Internet seller from the charges received from the landline telephone owners. It collects and delivers (calculates) 603.

The method of the present invention as described above may be implemented as a program and stored in a computer-readable recording medium (CD-ROM, RAM, ROM, floppy disk, hard disk, magneto-optical disk, etc.). Since this process can be easily implemented by those skilled in the art will not be described in more detail.

The present invention described above is capable of various substitutions, modifications, and changes without departing from the spirit of the present invention for those skilled in the art to which the present invention pertains. It is not limited by the drawings.

As described above, the present invention, a small amount of post-payment can be charged in real time using a telephone number and a password, which can be charged when using various contents or services using the Internet, thereby improving user convenience. It can be effective.

In addition, the present invention can be easily performed by using an easy-to-remember phone number and password without inputting a cumbersome credit card number, a burden of a transfer fee, and a separate confirmation phone or authorization number, which were inconvenient in the conventional small payment. Small payments can be made, and billing is integrated into the monthly telephone bill, which is very convenient to pay.

1 is a configuration diagram of an embodiment of a wired telephone micropayment payment system to which the present invention is applied.

2 is an embodiment structural diagram of an owner information database according to the present invention;

Figure 3 is a flow diagram of an embodiment of a wired telephone micropayment payment method according to the present invention.

Figure 4 is a detailed flow diagram of an embodiment of the landline telephone owner password registration process of the landline telephone micropayment payment method according to the present invention.

5 is a detailed flowchart illustrating an embodiment of an internet purchaser authentication process of a wired telephone postpay payment method according to the present invention.

Figure 6 is a detailed flowchart of one embodiment of the receiving process of the landline telephone micropayment payment method according to the present invention.

* Explanation of symbols on the main parts of the drawing

11: Internet Buyer 12: Internet Seller

13: landline operator 131: owner information database

132: Billing Information Database

Claims (6)

In the small postpay payment method using a landline telephone, A first step in which the landline telephone company registers a password for the small telephone postpay payment in an owner information database managed by the landline telephone company according to a request from the landline telephone owner; A second step in which the landline telephone company receives a payment request for a small post-payment of a landline telephone from an internet buyer through an internet seller, receives a telephone number and a password, and then authenticates the result; A third step of the wireline telephone company performing a small postpay payment in response to a small postpay payment request according to a successful authentication from the internet seller, and then returning the result; And According to the usage history of the landline telephone owner recorded in the billing information database managed by the landline telephone company, the billed amount including postpaid payment amount is billed to the landline telephone owner to collect the postpaid payment amount by Internet seller. 4th step Small postpay payment method using a landline phone including a. The method of claim 1, The first step is, A sixth step of receiving, by the landline telephone provider, a request for registration of a password for a small post-payment of a landline telephone from the landline telephone owner; And A seventh step in which the landline telephone operator receives a valid password from the landline telephone owner and stores it in the owner information database managed by the landline telephone owner and notifies the landline telephone owner of a password registration result; Small postpay payment method using a landline phone including a. The method according to claim 1 or 2, The second step, An eighth step of the wireline telephone operator requesting authentication from an internet seller who has received a phone number and password from the internet buyer; And The landline telephone company checks whether the telephone number and password registered in the owner information database managed by the wireline telephone company and the telephone number and password received from the internet merchant match each other according to the authentication request from the internet seller. 9th step of sending a result to the internet seller Small postpay payment method using a landline phone including a. The method of claim 3, wherein The small postpay payment process of the third step is A tenth step in which the wireline telephone company receives a post-paid payment processing request from the internet seller and generates an approval number; An eleventh step in which the landline telephone company records and processes the requested postpaid payment amount and the generated authorization number by referring to the owner information database; And A twelfth step of the wireline provider returning the authorization number to the internet seller as a result of a postpaid payment process; Small postpay payment method using a landline phone including a. The method of claim 4, wherein The second step of the authentication process, A small postpay payment method using a landline telephone, characterized in that the authentication is further performed using a social security number together with a phone number and password. In a small postpay billing system with a processor, A first function, wherein the landline telephone company registers a password for the wireline small postpay payment in an owner information database managed by the landline telephone company at the request from the landline telephone owner; A second function of receiving, by the wireline telephone operator, a small telephone postpaid payment from an internet buyer through an internet seller, receiving and authenticating a telephone number and a password, and then transmitting the authentication result to the internet seller; A third function of performing, by the landline telephone company, a small postpay payment in response to a small postpay payment request according to a successful authentication from the Internet seller, and then returning the result; And According to the usage history of the landline telephone owner recorded in the billing information database managed by the landline telephone company, the billed amount including postpaid payment amount is billed to the landline telephone owner to collect the postpaid payment amount by Internet seller. 4th function to A computer-readable recording medium having recorded thereon a program for realizing this.