KR20080016355A - Method for payment using prepaid card and system of prepaid card payment system using the same - Google Patents

Abstract

A method and a method for processing payment with a prepaid card are provided to process the payment for contents easily through information about a prepaid card account linked with a mobile number by transmitting a payment request received from a mobile or user terminal, which downloads the contents in the wired/wireless network, to a prepaid card issuance system. A payment request receiver(810) receives the payment request for paying for the contents with the prepaid card from the mobile terminal connected through the wireless Internet. A transmission controller(820) transmits a payment request signal including a terminal ID, which is extracted from a mobile terminal connection signal, and price information of the desired contents to the prepaid card issuance system directly or through a relay server. A reception controller(830) receives a payment result, which is processed by using the amount information of the prepaid card stored/linked with the terminal ID, from the prepaid card issuance system, and permits the mobile terminal to use the contents when the payment result is successful.

Description

Payment method using prepaid card and payment system using prepaid card {METHOD FOR PAYMENT USING PREPAID CARD AND SYSTEM OF PREPAID CARD PAYMENT SYSTEM USING THE SAME}

1 is a diagram illustrating a network connection including a prepaid card payment system according to the present invention.

2 is a flowchart illustrating a prepaid card payment method according to an embodiment of the present invention.

3 is a flowchart illustrating a prepaid card charging method according to an embodiment of the present invention.

4 is a flowchart illustrating a prepaid card balance inquiry method according to an embodiment of the present invention.

5 is a flowchart illustrating a new prepaid card registration method according to an embodiment of the present invention.

6 is a flowchart illustrating a prepaid card payment method according to another embodiment of the present invention.

7 is a block diagram showing the internal configuration of a prepaid card payment system according to an embodiment of the present invention.

8 is a block diagram showing the internal configuration of a prepaid card payment system according to another embodiment of the present invention.

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

700: Prepaid Card Payment System

710: payment request receiving unit

720: transmission control unit

730: receiving control unit

The present invention relates to a prepaid card payment method, and more particularly to a prepaid card payment method and a prepaid card payment system using the prepaid card to download or use a predetermined content on the wired or wireless Internet will be.

Recently, due to the rapid increase of Internet users, the size and users of electronic commerce are gradually increasing. Electronic commerce refers to the act of buying and selling goods on the Internet, such as the Internet, and includes all the services and goods purchased or advertised through a computer communication network. The goods and services provided through the computer communication network range from general goods to services requiring a small fee, such as games, movie contents, and music contents. As a payment method used when purchasing goods and services in such a computer communication network, an electronic money payment method, a credit card payment method, and a prepaid card payment method are used. Among these, the prepaid card payment method is a user pays a predetermined amount in advance to a bank, a card company, a service provider that provides an electronic payment service, and charges the amount in the prepaid card and then pays the charged amount. The prepaid card has no advantage of exposing personal information that may occur when using a credit card, has the advantage of being able to make a small payment, and possessing adolescents, and thus, prepaid cards issued by various institutions are widely used. However, the conventional prepaid card payment method has a problem that anyone can use the prepaid card by simply using the prepaid card number and password.

On the other hand, the remarkable development of communication technology has rapidly promoted the popularization of communication terminals (mobile devices), and now most ordinary people always carry mobile terminals such as mobile phones and PDAs. The services provided by these mobile terminals have been expanded to more various services (for example, games, wireless Internet, etc.) from the voice call service and text service, which were basically provided as communication technology and user usage increased. Wireless Internet platforms provided by mobile terminals include WAP (Wireless Application Protocol), Microsoft's Mobile Explor, and NTT's I-mode.

Moreover, wireless internet services provided by mobile terminals have increased the number of companies providing wireless contents, and users have access to content providing sites operated by such wireless contents providing companies through mobile terminals to provide various contents desired by users. It is free to download and use. However, in the conventional content payment method in a mobile terminal, payment is performed through a mobile communication provider, and then the content amount is added to the user's communication fee. This has a problem in that the mobile telecommunications carrier monopolizes the content charging market for wireless contents, and there is a problem of limiting the growth of the contents charging market since payment using various payment methods such as prepaid cards and gift certificates is impossible.

Accordingly, the present invention is to propose a new technology to make a payment using a prepaid card when the content payment in a mobile terminal or a user terminal.

The present invention has been made to solve the above problems of the prior art, the mobile terminal number by transmitting a payment request to the prepaid card issuing system for the payment request for the predetermined content received from the mobile terminal or the user terminal via the wired or wireless Internet It is an object of the present invention to provide a prepaid card payment method and a prepaid card payment system using the same to easily perform payment for content using the amount information of the prepaid card account stored in correspondence.

In addition, when the balance of the prepaid card account is insufficient, the present invention transmits a charge inquiry message to the mobile terminal or the user terminal, and when receiving a charge request from the user, the user corresponds to a part or all of the prepaid card balance possessed by the user. It is an object of the user to charge the prepaid card account more conveniently by accumulating the desired amount of charge in the prepaid card account.

In addition, when the user's prepaid card account is not registered, the present invention transmits a new registration inquiry message to the mobile terminal or the user terminal to induce the user to newly register the prepaid card account, and receives a new registration request from the user. In this case, the purpose is to register a new prepaid card account.

In order to achieve the above object and to solve the above-mentioned problems of the prior art, the payment method using a prepaid card according to an embodiment of the present invention is to pay a predetermined prepaid card for a predetermined content from a mobile terminal connected through the wireless Internet Receiving a payment request; Transmitting a payment request signal including the terminal identification information extracted from the mobile terminal access signal and the price information of the contents to a prepaid card issuing system; Receiving a settlement result of a settlement using a prepaid card account stored in correspondence with the terminal identification information from a prepaid card issuing system associated with the prepaid card; And allowing the mobile terminal to use the contents when the payment is successfully performed.

In addition, the prepaid card payment method according to another embodiment of the present invention comprises the steps of receiving a payment request for payment with a predetermined prepaid card for the predetermined content from the user terminal connected via the wired Internet; Transmitting a payment request signal including a mobile terminal number input from the user terminal and a content amount to a prepaid card issuing system; Receiving a settlement result of a settlement performed by using a prepaid card issuing system associated with the prepaid card using the amount information of a prepaid card account stored corresponding to the mobile terminal number; And if the payment is successful, transmitting a payment success signal to a content providing server so that the user terminal can use the content.

In addition, the prepaid card payment system according to an embodiment of the present invention comprises a payment request receiving unit for receiving a payment request to pay with a predetermined prepaid card for a predetermined content from a mobile terminal connected through the wireless Internet; A transmission controller which transmits a payment request signal including terminal identification information extracted from the mobile terminal access signal and price information of the contents; And receiving a payment result from a prepaid card issuing system associated with the prepaid card using the amount information of the prepaid card account stored in correspondence with the terminal identification information, and when the payment is successful, the mobile terminal transmits the content. It characterized in that it comprises a reception control unit to enable the use.

In addition, the prepaid card payment system according to another embodiment of the present invention is a payment request receiving unit for receiving a payment request for payment with a predetermined prepaid card for a predetermined content from a user terminal connected through the wired Internet; A transmission control unit for transmitting a payment request signal including a mobile terminal number input from the user terminal and a content amount to a prepaid card issuing system; Receiving a payment performed result using the amount information of the prepaid card account stored corresponding to the mobile terminal number from the prepaid card issuing system associated with the prepaid card, and if the payment is successful, pays the content providing server And a reception control unit which transmits a success signal to enable the user terminal to use the content provided by the content providing server.

The mobile terminal described herein may be a personal digital cellular (PDC) phone, a personal communication service (PCS) phone, a personal handyphone system (PHS) phone, a CDMA-2000 (1X, 3X) phone, a wideband CDMA (WCDMA) phone, dual band / Communication features such as Dual Band / Dual Mode phones, Global Standard for Mobile (GSM) phones, Mobile Broadband System (MBS) phones, Digital Multimedia Broadcasting (DMB) phones, Smart phones, mobile phones, etc. Handheld devices, personal digital assistants (PDAs), hand-held PCs, notebook computers, laptops, WiBro terminals, MP3 players, MD players, and international roaming services. And all kinds of handheld-based wireless communication devices such as an International Mobile Telecommunication-2000 (IMT-2000) terminal that provides an extended mobile communication service.

In addition, the user terminal described herein may be a code division multiplexing access (CDMA) module, a Bluetooth module, an infrared ray, such as a PC, a personal digital assistant (PDA), a smart phone, a handheld PC, a mobile phone, an MP3 player, or the like. A predetermined communication module such as a communication module IrDA and a wired / wireless LAN card may be provided, and a terminal having a predetermined computing power may be collectively provided by mounting a predetermined microprocessor.

Hereinafter, with reference to the accompanying drawings to be described in detail for the present invention.

1 is a diagram illustrating a network connection including a prepaid card payment system according to the present invention.

Referring to FIG. 1, first, the prepaid card issuing system 130 is a system for issuing a prepaid card such as a gift certificate and authenticating the validity of the prepaid card. In the present invention, the prepaid card issuing system is a user's mobile. The terminal identification information and the prepaid card number may be registered, and the prepaid card amount information may be stored in a database corresponding to the mobile terminal identification information of the user.

The prepaid card payment system 120 receives a payment request for payment of a predetermined prepaid card for a predetermined content from the mobile terminal 111 connected through the wireless Internet, and is extracted from the access signal of the mobile terminal 111. The payment request including the terminal identification information and the price information of the content is transmitted. In this case, the prepaid card payment system 120 may be a wireless site operating system, and the wireless site operating system may be a system for providing one or more contents. That is, when a user accesses the wireless site operating system through the mobile terminal 111 and selects a desired wireless content and makes a payment request to pay with a predetermined prepaid card, the wireless site operating system receives the prepaid payment. The card issuing system 130 transmits a payment request signal.

In addition, a relay server may be located between the wireless site operating system and a plurality of prepaid card issuing systems, so that the relay server may configure the system of the present invention to transmit a payment request and a payment approval signal. At this time, the prepaid card may be issued by any one of two or more prepaid card issuing systems 130, and the payment request signal transmitted by the wireless site operating system to the relay server is two or more prepaid card issuing system 130 It may include a code for identifying any one of, the relay server may transmit the payment request signal to the prepaid card issuing system selected using the code included in the payment request signal.

In addition, the prepaid card payment system 120 may include a prepaid card issuing system 130 and may perform a payment operation using a prepaid card performed in the prepaid card issuing system.

In addition, the prepaid card payment system 120 directly or relays the result of payment performed using the prepaid card account amount information stored in correspondence with the terminal identification information from the prepaid card issuing system 130 associated with the prepaid card. Received through the server, and if the payment is successful, the mobile terminal 111 to use the content.

Meanwhile, the prepaid card payment system 120 in a wired Internet or WiBro environment may directly or a content provider make a payment request for a predetermined prepaid card for a predetermined content from a user terminal connected through the wired Internet. (CP: Contents Provider) is received through the server, and transmits a payment request signal including the mobile terminal number and the content amount input from the user terminal.

In this case, the prepaid card may be issued by any one of two or more prepaid card issuing systems 130, and the prepaid card using payment system directly or by a content provider (CP) issued by the user. The payment request may be transmitted to the prepaid card issuing system by using the content provider.

In addition, the prepaid card payment system 120 in the wired Internet or WiBro environment using the amount information of the prepaid card account stored in correspondence with the mobile terminal number from the prepaid card issuing system associated with the prepaid card payment Receiving a result of the execution and, if the payment is successful, transmits a payment success signal to a content provider (CP) server so that the user terminal can use the content in the content provider (CP) server.

2 is a flowchart illustrating a prepaid card payment method according to an embodiment of the present invention. Hereinafter, the payment method using a prepaid card is performed in a payment using payment system.

Referring to FIG. 2, a payment method using a prepaid card in a wireless Internet environment, first, a payment method using a prepaid card receives a payment request for payment with a predetermined prepaid card for a predetermined content from a mobile terminal connected through wireless Internet. (S210). That is, the user may access a predetermined wireless content providing site through the wireless Internet in the mobile terminal, select content to be downloaded, and make a payment request for payment with the prepaid card for payment of the selected content.

For example, the prepaid card may be issued by any one of two or more prepaid card issuing systems, and the payment request may include a code identifying any one of the two or more prepaid card issuing systems.

Next, the payment method using the prepaid card transmits a payment request signal including the terminal identification information extracted from the access signal of the mobile terminal and the price information of the content (S220). The terminal identification information may be the mobile terminal number. For example, the payment method using the prepaid card extracts the terminal identification information of the connected mobile terminal, and the extracted terminal identification information "010-521-6235" and the amount information "3,500 won" of the content "AA game". The payment request signal may be transmitted to the prepaid card issuing system.

In one example of the step (S220), the prepaid card payment method may transmit the payment request to the prepaid card issuing system selected by using a code for identifying the prepaid card issuing system included in the payment request received from the user terminal. have. For example, when the specific code included in the payment request is a code for identifying "A prepaid card issuing system", the prepaid card using payment method is "A prepaid card issuing system" extracted from the access signal of the mobile terminal. The payment request signal including the terminal identification information and the price information of the contents.

In addition, the payment method using the prepaid card receives a payment performed result using the amount information of the prepaid card account stored corresponding to the terminal identification information from the prepaid card issuing system associated with the prepaid card (S230). The payment result may include final balance information of the prepaid card account.

For example, the prepaid card issuing system receives a payment request including the terminal identification information extracted from the access signal of the mobile terminal and the price information of the contents, and corresponds to the terminal identification information with reference to a predetermined database. The amount information of the stored prepaid card account can be retrieved and payment can be performed using the amount information of the retrieved prepaid card account. In addition, the prepaid card issuing system completes the payment and updates the amount information of the prepaid card account recorded in the database corresponding to the terminal identification information to the amount less the amount of the contents. For example, when the amount information of the prepaid card account recorded in the database corresponding to the terminal identification information is "30,000 won" and the amount of the content is "3,500 won", the prepaid card issuing system is configured to display the content of the content. The amount "26,500 won" after deducting the amount "3,500 won" may be updated with the amount information of the prepaid card account corresponding to the terminal identification information.

In addition, the payment method using the prepaid card allows the mobile terminal to use the contents when the payment is successful (S240). For example, the prepaid card payment method may control the mobile terminal to use the content, and may provide the mobile terminal with the result of performing the payment.

3 is a flowchart illustrating a charging method of a prepaid card account according to an embodiment of the present invention.

Referring to FIG. 3, the prepaid card settlement method provides a charging inquiry message to the mobile terminal due to insufficient balance of the prepaid card account received from the prepaid card issuing system (S310). For example, the payment method using the prepaid card may signal that the balance of the prepaid card account is insufficient from the prepaid card issuing system when the balance of the prepaid card account is insufficient for the payment request for the content requested from the mobile terminal. And receive a charge inquiry message requesting the charging of the prepaid card account to the mobile terminal.

In addition, the payment method using the prepaid card transmits a charge request signal including a charge desired amount and a prepaid card number input from the mobile terminal and the terminal identification information to the prepaid card issuing system according to the charge inquiry message. The charging desired amount is to be accumulated corresponding to the terminal identification information (S320). In this case, the desired charging amount may be part or all of the balance of the prepaid card held by the user.

That is, the prepaid card issuing system receives a charge request including the desired charge amount and the prepaid card number and the terminal identification information, authenticates the validity and the amount of the prepaid card number, and when the authentication is successful, The desired amount of charge may be accumulated in a prepaid card account corresponding to the terminal identification information.

In addition, the payment method using the prepaid card receives a charging performance result for the charge request from the prepaid card issuing system (S330).

As an example of the step (S330), the prepaid card payment method may provide the mobile terminal with the result of the charge received from the prepaid card issuing system. The result of the charging may include final balance information of the prepaid card account after the charging amount is accumulated.

4 is a flowchart illustrating a balance inquiry method of a prepaid card account according to an embodiment of the present invention.

Referring to FIG. 4, the payment method using the prepaid card transmits a balance inquiry request signal including the terminal identification information according to a balance inquiry request for a prepaid card account received from the mobile terminal (S410). For example, the balance inquiry request received from the terminal includes a code for identifying any one of the two or more prepaid card issuing systems, and the prepaid card using payment system uses the code to query the balance with a selected prepaid card issuing system. The request signal can be transmitted.

Next, the payment method using the prepaid card receives balance information of the prepaid card account stored corresponding to the terminal identification information from the prepaid card issuing system (S420). As an example of the step (S420), the prepaid card payment method may provide the balance information of the received prepaid card account to the mobile terminal.

5 is a flowchart illustrating a new registration method of a prepaid card account according to an embodiment of the present invention.

Referring to FIG. 5, the prepaid card payment method may provide a new registration inquiry message of a prepaid card account received from the prepaid card issuing system to the mobile terminal (S510). For example, when the prepaid card payment system receives a signal that the prepaid card account corresponding to the terminal identification information is not registered from the prepaid card issuing system, the prepaid card payment system receives a new registration inquiry message requesting a new registration. Can be provided to a mobile terminal.

In addition, the payment method using the prepaid card may receive new registration information from the mobile terminal according to the new registration inquiry message and transmit it to the prepaid card issuing system (S520). For example, the new registration information may include initial charge desired amount information along with a prepaid card number possessed by the user of the mobile terminal.

In addition, the prepaid card payment method receives a new registration execution result from the prepaid card issuing system (S530). As an example of the step S530, the prepaid card payment method may provide the received new registration result to the mobile terminal.

As described above, in the embodiments of FIGS. 2 to 5, each embodiment may be configured to relay a transmission signal between the two systems by placing a relay server between the prepaid card payment system and the prepaid card issuing system. Of course.

6 is a flowchart illustrating a prepaid card payment method according to another embodiment of the present invention, and relates to a prepaid card payment method in a wired Internet or WiBro environment.

Referring to FIG. 6, the payment method using the prepaid card includes a payment request directly or a content providing server for a predetermined prepaid card for payment of a predetermined content from a user terminal connected to a content provider (CP) server through a wired Internet. CP server) (S610). That is, the user selects any content that the user terminal, for example, a computer terminal, wants to access and use a predetermined content providing site through the wired Internet, and pays with the prepaid card for payment of the selected content. You can make a payment request. For example, the payment request may include mobile number information of a user registered in the prepaid card issuing system.

The prepaid card may be issued by any one of two or more prepaid card issuing systems, and the payment request may include a code for identifying any one of the two or more prepaid card issuing systems.

In addition, the payment method using the prepaid card transmits a payment request signal including a mobile terminal number input from the user terminal and a content amount of the content to the prepaid card issuing system (S620).

In one example of the step (S620), the prepaid card payment method may transmit the payment request signal to the selected prepaid card issuing system using a code for identifying the prepaid card issuing system included in the payment request.

In addition, the payment method using the prepaid card receives a payment performed result using the amount information of the prepaid card account stored corresponding to the mobile terminal number from the prepaid card issuing system (S630). The payment result may include final balance information of the prepaid card account.

For example, the prepaid card issuing system receives a payment request signal including the mobile terminal number and the content amount, and refers to a predetermined database to obtain the amount information of the prepaid card account stored corresponding to the mobile terminal number. The search may be performed by using the amount information of the found prepaid card account. In addition, the prepaid card issuing system may complete the payment and update the amount information of the prepaid card account recorded in the database corresponding to the terminal identification information to the amount less the amount of the content.

In addition, the payment method using the prepaid card transmits a payment success signal to the CP server when the payment is successful, and the content provider (CP) server allows the user terminal to use the content (S640). In addition, the prepaid card payment system may provide a result of performing the payment to the mobile terminal.

According to the present embodiment, in the prepaid card payment method, after the step (S610), a payment request confirmation message including a callback URL is transmitted to the mobile terminal corresponding to the mobile terminal number, and the user sends the mobile terminal. It may be configured to perform the step (S620) only when accessing the callback URL through the transmission of the confirmation signal for the payment request.

7 is a block diagram illustrating an internal configuration of a prepaid card payment system in a wireless Internet environment according to an embodiment of the present invention.

Referring to FIG. 7, the prepaid card payment system includes a payment request receiver 710, a transmission controller 720, and a reception controller 730.

The payment request receiving unit 710 receives a payment request for payment with a predetermined prepaid card for a predetermined content from a mobile terminal connected through wireless Internet. For example, the prepaid card may be issued by any one of two or more prepaid card issuing systems, and the payment request may include a code identifying any one of the two or more prepaid card issuing systems.

The transmission control unit 720 transmits a payment request signal including the terminal identification information extracted from the access signal of the mobile terminal and the price information of the contents. The terminal identification information may be the mobile terminal number. For example, the transmission controller 720 may transmit the payment request signal to a selected prepaid card issuing system using a code for identifying the prepaid card issuing system included in the payment request.

The reception control unit 730 receives a payment performed result using the amount information of the prepaid card account stored corresponding to the terminal identification information from the prepaid card issuing system associated with the prepaid card. Allow the mobile terminal to use the content. The payment result may include final balance information of the prepaid card account.

According to an embodiment, the prepaid card issuing system receives the terminal identification information extracted from the access signal of the mobile terminal and a payment request signal including the price information of the content, and identifies the terminal with reference to a predetermined database. The amount information of the prepaid card account stored according to the information is retrieved, and payment can be performed using the amount information of the found prepaid card account. In addition, the prepaid card issuing system may complete the payment and update the amount information of the prepaid card account recorded in the database corresponding to the terminal identification information to the amount deducting the amount of the content.

According to an embodiment of the present invention, the reception control unit 730 may provide a charge inquiry message to the mobile terminal according to the received balance shortage signal of the prepaid card account from the prepaid card issuing system.

In addition, according to the embodiment, the transmission control unit 720 issuing the prepaid card issuing a charge request signal including the desired charge amount and prepaid card number and the terminal identification information input from the mobile terminal according to the charge inquiry message By transmitting to the system so that the desired charge amount to be credited in correspondence with the terminal identification information, the reception control unit 730 receives a charge performing result for the charge request from the prepaid card issuing system.

In addition, according to an embodiment of the present invention, when the reception controller 730 receives a signal from the prepaid card issuing system that the prepaid card account does not exist, it provides a new registration inquiry message requesting a new registration to the mobile terminal. can do.

According to this embodiment, the transmission control unit 720 transmits the new registration information received from the mobile terminal to the prepaid card issuing system according to the new registration inquiry message, and the reception control unit 730 is from the prepaid card issuing system. Receive new registration execution result.

8 is a block diagram illustrating an internal configuration of a prepaid card payment system in a wired Internet and WiBro environment according to another embodiment of the present invention.

Referring to FIG. 8, the prepaid card payment system includes a payment request receiver 810, a transmission controller 820, a reception controller 830, and a message transmitter 840.

The payment request receiving unit 810 receives a payment request for payment of a predetermined prepaid card for a predetermined content from a user terminal connected through a wired Internet directly or through a CP server. For example, the payment request may include mobile terminal identification information of a user registered in the prepaid card issuing system.

The prepaid card may be issued by any one of two or more prepaid card issuing systems, and the payment request may include a code for identifying any one of the two or more prepaid card issuing systems.

The transmission control unit 820 transmits a payment request signal including a mobile terminal number input from the user terminal and a content amount to the prepaid card issuing system. For example, the transmission controller 820 may transmit the payment request signal to a selected prepaid card issuing system using a code for identifying the prepaid card issuing system included in the payment request.

Receiving control unit 830 receives a payment performed result using the amount information of the prepaid card account stored corresponding to the mobile terminal number from the corresponding prepaid card issuing system, and if the payment is successful, payment to the CP server By transmitting a success signal, the user terminal can use the content provided by the CP server. The payment result may include final balance information of the prepaid card account.

When the payment request receiver 810 receives the payment request, the message transmitter 840 transmits a payment request confirmation message including a callback URL to the mobile terminal corresponding to the mobile terminal number. Thereafter, the transmission control unit 820 may transmit the payment request signal to the prepaid card issuing system only when the user accesses the callback URL through the mobile terminal and sends a confirmation signal for the payment request.

The prepaid card payment system according to the present invention has been described so far, and the details mentioned in the embodiments of FIGS. 1 to 6 may be applied to the present embodiment as it is, and thus the detailed description thereof will be omitted.

The prepaid card payment method according to the present invention can be implemented in the form of program instructions that can be executed by various computer means and recorded in a computer readable medium. The computer readable medium may include program instructions, data files, data structures, etc. alone or in combination. Program instructions recorded on the media may be those specially designed and constructed for the purposes of the present invention, or they may be of the kind well-known and available to those having skill in the computer software arts. Examples of computer-readable recording media include magnetic media such as hard disks, floppy disks, and magnetic tape, optical media such as CD-ROMs, DVDs, and magnetic disks, such as floppy disks. Magneto-optical media, and hardware devices specifically configured to store and execute program instructions such as ROM, RAM, flash memory, and the like. The medium may be a transmission medium such as an optical or metal wire, a waveguide, or the like including a carrier wave for transmitting a signal specifying a program command, a data structure, or the like. Examples of program instructions include not only machine code generated by a compiler, but also high-level language code that can be executed by a computer using an interpreter or the like. The hardware device described above may be configured to operate as one or more software modules to perform the operations of the present invention, and vice versa.

As described above, although the present invention has been described with reference to limited embodiments and drawings, the present invention is not limited to the above embodiments, and those skilled in the art to which the present invention pertains various modifications and variations from such descriptions. This is possible.

Therefore, the scope of the present invention should not be limited to the described embodiments, but should be determined not only by the claims below but also by the equivalents of the claims.

According to the present invention, by transmitting a payment request to a prepaid card issuing system in response to a payment request for a predetermined content received from a mobile terminal or a user terminal through a wired or wireless Internet, the content is obtained by using the amount information of a prepaid card account corresponding to the mobile terminal number. It is possible to provide a prepaid card payment method and a prepaid card payment system using the same.

In addition, according to the present invention, in the payment of wired and wireless content using a prepaid card, a payment using a prepaid card that enables easy payment of wired and wireless content by recognizing only the user's mobile terminal number without receiving a complicated prepaid card number. A system can be provided.

In addition, according to the present invention, when the balance of the prepaid card account is insufficient, a charge inquiry message is transmitted to the mobile terminal or the user terminal, and when a charge request is received from the user, it corresponds to part or all of the prepaid card balance possessed by the user. By allowing the user to charge a prepaid card account, the user can conveniently charge the prepaid card account.

Claims (17)

Receiving a payment request for payment of a predetermined prepaid card for a predetermined content from a mobile terminal connected through a wireless Internet; Transmitting a payment request signal including the terminal identification information extracted from the mobile terminal access signal and the price information of the contents to the prepaid card issuing system directly or through a relay server; Receiving, through a relay server, a payment result of a payment performed using a prepaid card account amount information stored corresponding to the terminal identification information from a prepaid card issuing system associated with the prepaid card, directly or through a relay server; And Allowing the mobile terminal to use the contents when the payment is successful. Payment method using a prepaid card, characterized in that it comprises a. The method of claim 1, The prepaid card payment method The charge request amount inputted from the mobile terminal, the prepaid card number possessed by the user, and the charge request signal including the terminal identification information are transmitted to the prepaid card issuing system directly or through the relay server, so that the charge desired amount is increased. Accumulating corresponding to identification information of the mobile terminal; And Receiving a charging result of the charging request from the prepaid card issuing system; Payment method using a prepaid card, characterized in that it further comprises. The method of claim 1, The predetermined prepaid card is issued from any one of two or more prepaid card issuing systems, The payment request received from the mobile terminal includes a code identifying any one of the two or more prepaid card issuing systems, The transmitting of the payment request signal may include transmitting the payment request signal to a prepaid card issuing system selected using the code included in the payment request. The method of claim 1, The prepaid card payment method Transmitting a balance inquiry request signal including the terminal identification information to the prepaid card issuing system directly or through a relay server according to a balance inquiry request for the prepaid card account received from the mobile terminal; And Receiving balance information of the prepaid card account corresponding to the terminal identification information from a prepaid card issuing system associated with the prepaid card, directly or through a relay server; Payment method using a prepaid card, characterized in that it further comprises. The method of claim 1, Receiving a payment result from the prepaid card issuing system Receiving a balance shortage signal of a prepaid card account corresponding to the terminal identification information directly from the prepaid card issuing system or through the relay server; And Providing a charging inquiry message to the mobile terminal requesting charging of the prepaid card account; Payment method using a prepaid card, characterized in that it comprises a. The method of claim 1, Receiving a payment result from the prepaid card issuing system Receiving an unregistered signal of a prepaid card account corresponding to the terminal identification information directly from the prepaid card issuing system or through the relay server; And Providing a new registration inquiry message to the mobile terminal requesting a new registration of the prepaid card account; Payment method using a prepaid card, characterized in that it further comprises. The method of claim 1, The payment result is a prepaid card using payment method characterized in that it comprises the final balance information of the prepaid card account. Receiving a payment request for payment of a predetermined content with a predetermined prepaid card from a user terminal connected through a wired Internet directly or through a content providing server; Transmitting a payment request signal including a mobile terminal number input from the user terminal and a content amount to a prepaid card issuing system; Receiving a settlement result of a settlement performed using the amount information of a prepaid card account stored corresponding to the mobile terminal number from a prepaid card issuing system associated with the prepaid card; And If the payment is successful, transmitting a payment success signal to a content providing server so that the user terminal can use the content Payment method using a prepaid card, characterized in that it comprises a. The method of claim 8, The prepaid card is issued from any one of two or more prepaid card issuing systems, The payment request received directly from the user terminal or the content providing server includes a code for identifying any one of the two or more prepaid card issuing systems, The transmitting of the payment request signal may include transmitting the payment request signal to a prepaid card issuing system selected using the code included in the payment request. The method of claim 8, The prepaid card payment method After receiving a payment request directly from the user terminal or the content providing server, transmitting a payment request confirmation message including a callback URL to a mobile terminal corresponding to the mobile terminal number; More, When a user accesses the callback URL through the mobile terminal and sends a confirmation of the payment request, the payment request signal is transmitted to the prepaid card issuing system. A computer-readable recording medium in which a program for executing the method of any one of claims 1 to 10 is recorded. A payment request receiving unit configured to receive a payment request for payment with a predetermined prepaid card for predetermined content from a mobile terminal connected through wireless Internet; A transmission control unit which transmits a payment request signal including terminal identification information extracted from the mobile terminal access signal and price information of the contents to the prepaid card issuing system directly or through a relay server; And Receiving a payment performed result using the amount information of the prepaid card account stored in correspondence with the terminal identification information from the prepaid card issuing system associated with the prepaid card, and when the payment is successful, the mobile terminal receives the content. Receive Control to Make Available Payment system using a prepaid card comprising a. The method of claim 12, The transmission control unit The charge request amount input from the mobile terminal and the charge request signal including the terminal identification information and the charge request amount is transmitted to the prepaid card issuing system so that the charge desired amount is accumulated in correspondence with the identification information of the mobile terminal. and, The reception control unit The prepaid card payment system, characterized in that for receiving the charge performing result for the charge request from the prepaid card issuing system. The method of claim 12, The predetermined prepaid card is issued from any one of two or more prepaid card issuing systems, The payment request received from the mobile terminal includes a code for identifying any one of the two or more prepaid card issuing system, And the transmission controller transmits the payment request signal to a prepaid card issuing system selected using the code included in the payment request. A payment request receiving unit which receives a payment request for payment of a predetermined content with a predetermined prepaid card from a user terminal connected through a wired Internet directly or through a content providing server; A transmission control unit for transmitting a payment request signal including a mobile terminal number input from the user terminal and a content amount to a prepaid card issuing system; Receiving a payment performed result using the amount information of the prepaid card account stored corresponding to the mobile terminal number from the prepaid card issuing system associated with the prepaid card, and if the payment is successful, pays the content providing server Receiving control unit for transmitting a success signal, so that the user terminal can use the content provided by the content providing server Payment system using a prepaid card comprising a. The method of claim 15, The prepaid card is issued from any one of two or more prepaid card issuing systems, The payment request received directly from the user terminal or through the content providing server includes a code for identifying any one of the two or more prepaid card issuing systems, And the transmission controller transmits the payment request signal to a prepaid card issuing system selected using the code included in the payment request. The method of claim 15, The prepaid card payment system Message transmitting unit for transmitting a payment request confirmation message including a callback URL to the mobile terminal corresponding to the mobile terminal number More, The transmission control unit transmits the payment request signal to the prepaid card issuing system only when a user accesses the callback URL through the mobile terminal and sends a confirmation of the payment request. .

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