KR20060059526A - Charging system and method using a mobile phone - Google Patents

Abstract

A payment system using a mobile phone and a method thereof are disclosed. The open service application server generates a payment request message including a mobile number and transmits the payment request message to a mobile communication network using an Open API. The open service gateway authenticates the validity of the payment request message received through the Open API. The billing server records the billing details for the mobile number if the validity is verified. As a result, the application server of the Internet may directly request a payment from the mobile communication network.

Mobile Number, Open API, SMS, Billing, Billing

Description

Payment system and method using a mobile phone {Charging system and method using a mobile phone}

1 is a view showing the structure of an embodiment of a payment system using a mobile phone according to the present invention;

2 is a diagram showing a detailed configuration of a payment system using a mobile phone according to the present invention;

3 is a flowchart illustrating a flow of an embodiment of a payment method using a mobile phone according to the present invention, and

Figure 4 is a flow diagram illustrating the flow of an embodiment of a method for inquiring payment details using a mobile phone according to the present invention.

The present invention relates to a payment system and a method using a mobile phone, and to a system and a method for paying directly with a mobile phone through a mobile communication network without the cooperation of a payment agent on a separate Internet.

Open service technology is a technology proposed to open closed network resources from network operators and is standardized by CORBA based Open API and web service based Open API led by Parlay Group (www.parlay.org). The Parlay Group has evolved the Parlay X API, which can be safely and easily called and used by IT-based applications, making it easier for IT application developers to access network resources without detailed knowledge of network protocols.

As the base network technology supporting the Internet has developed and the Internet network has been held worldwide, electronic commerce through the Internet has become an indispensable element in daily life, and even electronic commerce using a mobile phone is commonly performed. An important element in electronic commerce using the Internet is the payment part, and only a web site that guarantees secure payment is trusted by the user.

In the Internet portal, as a payment method using a mobile phone number for a small amount of payment, an authentication method of transmitting an authorization number to a mobile phone terminal as an SMS message and inputting an authorization number at a purchase site within a given time is generally used. Alternatively, the user can purchase a unique amount of Internet currency units (e.g., Cyworld's Acorn, MSN Power Flux Points, the following cache, etc.) for each portal, and then use this unique currency. There is a way to buy the desired item again. In this case, the user has to purchase internet money from various portals.

The technical problem to be achieved by the present invention is a payment system using a mobile phone and a method for making a payment by directly connecting to a mobile communication network using an Open API without cooperation of a payment agent in an Internet portal site that provides electronic commerce, etc. To provide.

In order to achieve the above technical problem, an embodiment of a payment system using a mobile phone according to the present invention generates a payment request message including a mobile phone number, and the payment request message is a mobile communication network using an Open API. An open service application server for transmitting to the server; An open service gateway that authenticates the validity of the payment request message received through the Open API; And a charging server that records the charging details for the mobile number if the validity is verified.

In order to achieve the above technical problem, an embodiment of a payment method using a mobile phone according to the present invention comprises: generating a payment request message including a mobile phone number through an open service application server on the Internet; Transmitting the payment request message to an open service gateway of a mobile communication network using an Open API; And recording a billing history corresponding to the mobile phone number on the billing server that manages the billing history for billing the mobile phone based on the billing request message received from the open service gateway.

In order to achieve the above technical problem, one embodiment of a method for querying a payment history using a mobile phone according to the present invention includes: generating a billing history request message including a mobile phone number through an open service application server on the Internet; Transmitting the charge details request message to an open service gateway of a mobile communication network using an Open API; And transmitting a searched list based on the mobile phone number of the billing request message to the application server from a billing server that manages billing history for billing the phone.

As a result, the open service application server of the Internet may request a payment for a direct mobile communication network.

Hereinafter, with reference to the accompanying drawings will be described in detail with respect to the payment system and method using a mobile phone according to the present invention.

1 is a view showing the structure of an embodiment of a payment system using a mobile phone according to the present invention.

Referring to FIG. 1, the payment system using a mobile phone includes an open service application server 110, an open service gateway 120, an open service framework 130, a billing server 140, a billing center 150, and an SMS center ( 160).

The user 100 accesses the open service application server 110 through the Internet. The open service application server 110 provides a screen for electronic commerce such as a purchase of a product, and provides a screen for payment of a fee using a mobile phone according to the present invention when a user wants to pay for a purchased product. The open service application server 110 may be a portal site for e-commerce directly or linked to a portal site for e-commerce to provide a payment screen to a user.

When the open service application server 110 requests the payment using the mobile phone by inputting the mobile phone number and password, the open service application server 110 generates a payment request message including the mobile phone number and the password and uses the Open API. To the open service gateway 120 of the mobile communication network.

The open service gateway 120 checks whether the user subscribes to the payment service using the mobile phone according to the present invention based on the mobile phone number and the password of the received payment request message. If the user is not registered in the payment service using the mobile phone according to the present invention, the open service gateway 120 notifies that the user is not registered in the open service application server 110, and the open service application server 110 is not registered. The user is displayed on the guide screen.

If the registered user or password is incorrect, the open service gateway 120 requests the SMS center 160 to transmit the password error to the mobile phone 102 through a short message service (SMS) message.

When the open service gateway 120 confirms that the user is a legitimate user based on the mobile phone number and the password, the open service gateway 120 records the requested payment price to the billing server that manages the mobile phone bill details.

The billing server 140 stores transaction processing result data for the billing request message and a log of the open service application server 110. The log stored in the billing server 120 is used as data for billing settlement between the open service application server 110 and the mobile network operator later, and is opened to the user as a billing history.

The billing center 150 receives the billing details stored in the billing server 140 and bills the mobile phone user 100 with the integrated bill.

If the open service gateway 120 normally records the payment request price on the billing server 140, the SMS center 160 sends a message to the mobile phone 102 number of the payment request message through the SMS message with the payment amount information. send. In addition, when the open service gateway 120 notifies that there is an error in the password of the payment request message, the SMS center 160 transmits the password error to the mobile phone 102 through the SMS message. The SMS center 160 transmits an SMS message to the mobile phone 102 through a mobile switching center (MSC) and a base station.

The open service framework 130 authenticates the right to use the Open API to the application server 110 and the gateway 120. Here, the Open API preferably uses the Parlay X API, and other APIs can be used if other APIs are easily accessible between heterogeneous communication networks. That is, the open service application server 110 and the open service gateway 120 of the mobile communication network through the application that is authorized to use the Open API (for example, Pralay X Gateway API) from the open service framework 130 Connected.

2 is a diagram illustrating a detailed configuration of a payment system using a mobile phone according to the present invention.

Referring to FIG. 2, a payment system using a mobile phone includes an open service application server 210 including a user interface 212, a customer database 214, a charging logic unit 216, and an account management logic unit 218. An open service gateway 220 including an accounting unit 224, an account manager 224, and an SMS manager 226, a billing server (database) 230, and an SMS center 240.

The user interface 212 provides a screen for payment using a mobile phone or a screen for retrieving payment details using a mobile phone according to the present invention.

When the user requests a payment, the user interface 212 receives a mobile phone number and a password from the user to process the payment. Then, the charging logic unit 216 generates a payment request message including a mobile phone number and a password for the payment, and transmits it to the open service gateway 220 of the mobile communication network through an Open API (Payment API).

When the user requests a payment history using a mobile phone, the user interface 212 receives a mobile phone number and a password from the user for querying the payment history, that is, account management details. Then, the account management logic unit 218 generates a billing history request message including the mobile phone number and password for the account history inquiry and transmits to the open service gateway 220 of the mobile communication network through the Open API (Account Management API) do.

The customer database 214 stores customer information.

When the payment unit 222 of the open service gateway 220 receives a payment request message through an Open API (Payment API) for payment, the payment according to the present invention is based on the mobile phone number and password of the payment request message. Find out if the user has subscribed to the service, and if the password is correct, find out whether it is a legitimate user. Therefore, in order to receive the payment service according to the present invention, the user must subscribe to the service to the mobile communication network operator corresponding to his mobile phone in advance. If the user is not a registered user, the payment unit 222 of the open service gateway notifies that the user is not registered as the open service application server 210, and the open service application server 210 is not registered through the user interface 212. Indicates that you are a user.

If it is confirmed that the payment unit 222 of the open service gateway is a legitimate user, the billing unit 222 records the billing details corresponding to the mobile phone number in the billing server 230. The billing history recorded on the billing server is integrated by the billing center and billed to the user.

The SMS managing unit 226 of the open service gateway 220 transmits the SMS center 240 to the mobile phone using an SMS message that the billing unit 222 of the open service gateway 220 has normally processed the billing history. Ask. In addition, when the SMS management unit 226 of the open service gateway determines that the password of the payment request message is incorrect, the SMS center 240 transmits the fact that the password is incorrect to the mobile phone through the SMS message. Ask.

When the account management unit 224 of the open service gateway 220 receives the charge history request message from the account management logic unit 218 of the open service application server through the Open API (SMS API), the mobile phone number of the charge history request message and Verify that you are a legitimate user based on your password. In case of a password error, the SMS management unit 226 of the gateway requests the SMS center 240 to transmit the password error fact to the mobile phone through an SMS message.

When it is confirmed that the account management unit 224 of the open service gateway is a legitimate user, the account management unit 224 reads the billing history list corresponding to the mobile phone number of the billing history request message from the billing server 230 and transmits it to the application server.

Looking at the configuration of the present invention from the perspective of each program module, first, the open service application server 210 introduces a user management module for the user 200 to subscribe and log in, the items to be sold on the screen and the user purchases them. When the selection is made, a user interface module that receives a mobile phone number and password and provides a mobile payment method, and a web service client program that calls the Parlay X Gateway Payment API for connection with an open service gateway 220 of a mobile communication network when a payment request is made. Module, a web service server program module for executing the Parlay X Gateway Payment API, and the gateway 220 includes an interface module for connecting the Payment API and the internal network charging server 140.

In order to notify the user of the payment result, the open service application server 210 includes a web service client module calling the Parlay X Gateway SMS API and a web service server program module performing the Paylay X Gateway SMS API. The service gateway 220 includes an interface module for connecting the SMS API and the SMS center 260.

In order to provide the user with the ability to retrieve the payment history, the open service application server 210 is a web service client program module that calls the Parlay X Gateway Account Management API, a web service server that executes the Parlay X Gateway Account Management API. The program module, and the open service gateway 220 includes an interface module for connecting the account management API and the billing server in the communication network.

3 is a flowchart illustrating a flow of an embodiment of a payment method using a mobile phone according to the present invention.

Referring to FIG. 3, when the user 100 requests a fee payment using a mobile phone according to the present invention to pay for an item after purchasing a predetermined item by accessing an open service application server 110 that provides e-commerce (S300). The open service application server 110 receives a mobile phone number and a password from the user (S310).

The open service application server 110 generates a payment request message including a predetermined payment amount, a mobile phone number, and a password and transmits it to the gateway 120 of the mobile communication network through the Open API (S320). The open service gateway 120 performs user authentication based on the mobile phone number and the password of the payment request message, and if the party user is a political user, records the charging details of the mobile phone number in the charging server 140 (S330).

When the mobile number of the payment request message is not registered in the payment service according to the present invention (S340), the open service application server 110 indicates that the user is not registered through the guide message (S360). If the password is incorrect (S340), the open service gateway 120 requests the SMS center 160 to transmit the password error to the corresponding mobile phone 102 using the SMS message (S350).

When the open service gateway 120 normally records the charging details in the charging server 140 (S340), the open service gateway 120 transmits the normal processing result to the mobile phone 102 through the SMS message (SMS center ( 160 request (S370).

In another embodiment of the present invention, the open service gateway 120 transmits the result of the billing request to the open service application server 110, and the open service application server 110 results of the billing request (that is, Unregistered, password error, normal processing, etc.) and request the SMS center 160 to send an unregistered user indication, password error fact or normal processing result via an SMS message.

Figure 4 is a flow diagram illustrating the flow of an embodiment of a method for inquiring payment details using a mobile phone according to the present invention.

Referring to FIG. 4, when the open service application server 110 receives a payment history request from the user 100 (S400), the open service application server 110 generates a billing history request message including a mobile number and a password received from the user 100. By transmitting (S410) to the open service gateway 120 of the mobile communication network through the Open API (S420).

The open service gateway 120 determines whether the user is a legitimate user based on the cell phone number and the password of the billing history request message, and if the legitimate user reads the billing history list for the cell phone number from the billing server (S430). In addition, the open service gateway 120 requests the SMS center 160 to transmit the fact that it has been normally processed to the corresponding mobile phone through an SMS message, and transmits the billing history list to the open service application server 110 to allow the user to inquire. (S460, S470).

If the open service gateway 120 is a mobile phone number of the billing history request message is not registered in the service according to the present invention (S440), the open service gateway 120 notifies the open service application server 110 of the fact that it is not registered. (S460). In the case of a password error (S440), the open service gateway 120 requests the SMS center 160 to transmit the password error fact to the mobile phone through an SMS message (S450).

In another embodiment of the present invention, the open service gateway 120 transmits the result of the billing request to the open service application server 110, and the open service application server 110 results of the billing request (that is, Unregistered, password error, normal processing, etc.) and request the SMS center 160 to send an unregistered user indication, password error fact or normal processing result via an SMS message.

The invention can also be embodied as computer readable code on a computer readable recording medium. The computer-readable recording medium includes all kinds of recording devices in which data that can be read by a computer system is stored. Examples of computer-readable recording media include ROM, RAM, CD-ROM, magnetic tape, floppy disk, optical data storage, and the like, and may also be implemented in the form of a carrier wave (for example, transmission over the Internet). Include. The computer readable recording medium can also be distributed over network coupled computer systems so that the computer readable code is stored and executed in a distributed fashion.

So far I looked at the center of the preferred embodiment for the present invention. Those skilled in the art will appreciate that the present invention can be implemented in a modified form without departing from the essential features of the present invention. Therefore, the disclosed embodiments should be considered in descriptive sense only and not for purposes of limitation. The scope of the present invention is shown in the claims rather than the foregoing description, and all differences within the scope will be construed as being included in the present invention.

According to the present invention, since the open service application server on the Internet and the open service gateway of the mobile communication network are connected by using the Open API, an Internet user manages a separate Internet coin in the web portal in processing the charging function in the open service application server. There is no need to purchase, and only the amount required for the purchase is charged to the integrated mobile phone bill.

In addition, the web portal provider can safely collect the bill even if the interface has only the Parlay X API provided by the service provider without the cooperation of a credit card payment company or a mobile payment service provider having a separate authentication channel.

Claims (12)

An open service application server generating a payment request message including a mobile number and transmitting the payment request message to a mobile communication network using an Open API; An open service gateway that authenticates the validity of the payment request message received through the Open API; And And a billing server for recording a billing history for the cell phone number if the legitimacy is authenticated. The method of claim 1, An SMS center for receiving a processing result of the payment request message from the open service gateway and transmitting the received processing result to the mobile phone number using an SMS message; . The method of claim 1, The open service gateway, upon receiving the payment request message, the payment system using a mobile phone, characterized in that whether the mobile phone number is registered in the payment service and whether the normal billing history recorded in the billing server. The method of claim 1, And an open service framework providing the open service application server and the open service gateway with a right to use an Open API. The method of claim 1, The open service application server generates and sends a payment request message including a mobile phone number and a password, The open service gateway is a payment system using a mobile phone, characterized in that for confirming that the user is a legitimate user of the mobile phone based on the mobile phone number and password of the payment request message. The method of claim 5, If the password is found to be an error in the open service gateway, SMS center for transmitting the password error to the mobile phone number using the SMS message; Payment system using a mobile phone further comprising a. The method of claim 1, wherein the open service application server, A user interface for providing a user with an interface screen for payment; A charging logic unit generating a payment request message including a mobile phone number and a password, and transmitting the payment request message to the open service gateway of a mobile communication network through an Open API; And Customer database for storing and managing the user information; payment system using a mobile phone comprising a. The method of claim 7, wherein The user interface includes an interface screen for searching the user billing history, The account management logic unit for generating a billing history inquiry request message to transmit to the gateway; Payment system using a mobile phone further comprises. Generating a payment request message including a mobile number through an open service application server on the Internet; Transmitting the payment request message to an open service gateway of a mobile communication network using an Open API; And Recording the billing history corresponding to the mobile phone number on the billing server managing billing history for billing the mobile phone on the basis of a billing request message received from the open service gateway; Payment Method. The method of claim 9, And transmitting a processing result of the payment request message received from the open service gateway to the mobile phone number through an SMS message. The method of claim 9, The payment request message includes a mobile phone number and a password, And confirming that the mobile service is a legitimate user of the mobile phone based on the mobile phone number and the password at the open service gateway. Generating a billing history request message including a mobile number via an open service application server on the Internet; Transmitting the charge details request message to a gateway of a mobile communication network using an Open API; And And transmitting a searched list based on the mobile phone number of the billing request message to the open service application server from a billing server that manages billing history for billing a mobile phone bill. How to inquire.

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