KR20090001171A - Content payment service and method using various authentification and authorization service - Google Patents

Abstract

A system and a method for settling account service are provided to settle account at a client of a target enterpriser through an own demand unit which has an authentification unit by separating a demand unit of oneself from the authentification unit. A method for settling account service comprises: a step(703) for inquiring the charging availability of a payer based on the confirmation of customer information according to the payment unit and the payment information to a contents billing system; a step(704), at an authentication / billing mediation system, for performing the authentication for a payer through the authentification unit; a step(708) for claiming the payment amount of the settlement person to the payer with the charging from the authentication / billing mediation system to the contents billing system, if the authentication is succeeded; and a step(717) for producing the charge record for the payer through the contents billing system.

Description

Payment service system and method for general collection agency service {Content payment service and method using various authentification and authorization service}

1 is a configuration diagram of an embodiment of a payment service system according to the present invention;

2 is an explanatory diagram showing a payment window according to an embodiment of the present invention;

3 is an explanatory diagram showing a mobile phone identity authentication window according to an embodiment of the present invention;

4 is an explanatory diagram showing an approval number input window according to an embodiment of the present invention;

5 is a flowchart of a first embodiment of a payment service method using mobile phone authentication according to the present invention;

6 is a flowchart of a second embodiment of a payment service method using ARS authentication according to the present invention;

7 is a flowchart of a third embodiment of a payment service method using mOTP authentication according to the present invention;

8 is an explanatory diagram showing a virtual payment selection screen according to an embodiment of the present invention;

9 is an explanatory diagram showing a virtual payment ID / password input window according to an embodiment of the present invention;

10 is a flowchart of a fourth embodiment of a payment service method using a virtual payment according to the present invention.

* Explanation of symbols on the main parts of the drawing

10: user terminal 20: content provider (CP)

30: Payment system (PG) 40: Authentication / billing relay system

41: authentication profile 50: content billing processing system

51: Billing Profile 52: Customer Profile

61 ~ 65: Certification system 70: Fee storage / non-payment management system

80: manager terminal

The present invention relates to a payment service system and a method for a general collection agent service, and a computer-readable recording medium recording a program for realizing the method, and more particularly, to a telephone operator, a line operator, a mobile communication The means of authentication (e.g., wired telephone bills or wired bills for wireline carriers, mobile phone bills for mobile carriers, etc.) for the carriers, etc. , Access line ID / password, mobile phone authentication in the case of mobile carrier, etc.), and the customer of the operator can make a payment (for example, a small payment, etc.) through his / her billing method (payment method) with any authentication means. A payment service system and a method for a universal collection agency service, and to realize the method A computer readable recording medium having recorded a program.

Until now, free services have been provided to expand the use of the Internet for content services provided on the Internet, but solutions for the monetization are being developed for the profits of service providers.

In particular, a revenue model in which high-value information is provided and paid for is being developed one after another, and an increasing number of Internet service providers who provide paid services using these service models are gradually increasing.

However, even in the current situation where various types of service models and revenue models are developed and applied to actual paid services, paid services, especially information providers, are lacking due to the lack of technology to actively control the assets of the network and service providers. There are many difficulties in establishing a 'recovery agency service' that can collect, settle and pay the information usage fee on behalf of the information provider.

Examples of 'recovery agency services' include various fees paid online / offline, such as information usage fee, commodity price, newspaper price, cable TV subscription fee, parking fee, various utilities, newspaper fee, food waste collection fee and priority parking fee for residents. There is a service that can add a claim to a telephone bill and make a claim. Like this, not only the collection agency method through the home phone bill but also the mobile phone bill sum method is used. Such collection agency service can be applied to convenient wired / wireless billing agency service, rather than the existing on-line / offline payment method, in the field of service that involves regular fee collection. There is an effect of increasing the convenience of payment.

More specifically, the micropayment method using the current collection agency includes the 'mobile phone payment' billed to the customer including the mobile phone charge, the '060 payment' charged to the phone charge, 'ponville', and the access line fee. "ID payment" billing.

The collection agent service through the 'mobile payment' is a method of authenticating a customer through mobile phone authentication when a payment occurs and charging the corresponding amount to a mobile phone fee next month. In this case, the customer must have a mobile phone in his / her own name, and the payment can be made through his / her own mobile phone.

In addition, in the case of the collection agency service through the '060 payment', when a customer having a landline phone checks the social security number for his / her landline phone when a payment occurs and enters a password generated from a content site by calling a specific 060 number In addition, the system will verify the identity of the user and add the content usage fee to his / her landline telephone bill.

In addition, in the case of the collection agent service through 'Ponville', a customer who has a landline phone checks the social security number of his / her landline phone when a payment occurs and dials the ARS on his / her phone to obtain the password generated from the site. If you enter, the system will authenticate your identity, and will charge the content charges to your own landline charges.

In addition, in the case of the collection agency service through the 'ID payment', the identity is authenticated with the access line ID / password / resident number, and billed by adding to the access line billing charges.

Looking at the problem of the collection agency service as follows.

The collection agency service through the 'mobile phone payment', only a communication provider (mobile communication company) can be provided, and must have a mobile phone of your name at the time of payment.

In addition, the collection agency service through the '060 settlement', 'ponville' is available only where there is an available landline phone, the service is available only to customers who are subscribed to landline phone.

In addition, the collection agent service using the 'ID payment', there is a lot of fraudulent use through the ID theft case, and the payment is available only to customers who are subscribed to the line service for payment.

And, the above payment methods can not be used other than the person.

Particularly, in the case of a service provider that can recover the landline and the connection line, payment using the landline phone has geographical and physical limitations, and payment using the line ID does not actually use the line ID / password. Many people do not know and there are many cases of theft due to information leakage, which makes marketing impossible.

In summary, for the collection agency that currently provides the Internet payment service, authentication means (wired telephone billing or access line billing for wireline carriers, mobile phone billing for mobile carriers, etc.) In the case of operators, wired phone authentication, access line ID / password authentication, and mobile phone companies, mobile phone authentication, etc.) are determined, and thus the use of the service is restricted, which causes a limitation in the payment service provided by the service provider.

The present invention has been proposed in order to solve the above problems, it is possible to separate the billing means and the authentication means, and the general purpose of the recovery agent, which can provide a recovery agency service as a means (payment means) that the operator can claim irrespective of the authentication means It is an object of the present invention to provide a payment service system for a service and a method thereof, and a computer-readable recording medium recording a program for realizing the method.

In other words, the present invention separates the billing means (payment means) owned by the telephone service provider, the line service provider, the mobile communication service provider, etc. from the authentication means, and the customer of the service provider through his / her billing means with any authentication means. The purpose is to enable this payment (e.g., micropayment, etc.).

Other objects and advantages of the present invention can be understood by the following description, and will be more clearly understood by the embodiments of the present invention. Also, it will be readily appreciated that the objects and advantages of the present invention may be realized by the means and combinations thereof indicated in the claims.

In order to achieve the above object, the present invention provides a payment service system for a collection agency service, wherein upon requesting a charge collection agency request of a payment system (PG), the authentication means and payment means selected by the first user (that is, billing means) Inquiry whether the second user can be charged based on the customer identification information and the payment information according to the), perform authentication for the second user through the authentication means, and if the authentication is successful, remind the payment amount of the first user. Authentication / billing relay means for billing the second user through a payment means; And inquiring whether the second user can be charged based on the customer identification information and the payment information and informing the authentication / billing relay means according to the request for checking whether the authentication / billing relay is possible. And billing processing means for generating a billing record of the payment means for the second user according to the billing request of the relay means.

In addition, the present invention, in accordance with the request of the billing processing means, based on the billing record charges / second payment management means for billing the second user through the payment means, and managing the storage and arrears Characterized in that further comprises.

On the other hand, the present invention, in the payment service method for the collection agency service, when the request for the billing collection agency request of the payment system (PG), the authentication / billing relay system customer confirmation information according to the authentication means and payment means selected by the payer and Inquiring whether the payer is capable of charging the content billing processing system based on the payment information; Performing, by the authentication / billing relay system, authentication of the payer through the authentication means; When the authentication is successful, causing the authentication / billing relay system to charge the payer for the payment amount of the payer to the content billing processing system; And generating, by the content billing processing system, a billing record for the payer through the payment means in response to a billing request of the authentication / billing relay system.

In addition, the present invention, in the payment service method for the collection agency service, the ID / password of the payer specified by the payer for each payer, the payment amount limit (virtual payment amount) of the payer to the authentication profile of the authentication / billing relay system Storing and managing; When requesting a billing collection request from the payment system (PG), the authentication / billing relay system checks whether the payer is able to charge the content billing system based on the payer information (ID / password), and the payer through the authentication profile. And performing authentication on the payer; Causing the authentication / billing relay system to charge the payer for the payment amount of the payer in the virtual payment amount to the content billing processing system; And generating, by the content billing processing system, a billing record for the payer according to the billing request of the authentication / billing relay system.

On the other hand, the present invention, the authentication means and payment means selected by the authentication / billing relay system when the billing collection charge request of the payment system (PG) to the payment service system provided with a processor for the general purpose collection service A function of inquiring whether the payer is able to charge the content billing processing system based on the customer identification information and the payment information; A function of the authentication / billing relay system performing authentication of the payer through the authentication means; Upon successful authentication, allowing the authentication / billing relay system to charge the payer the amount of payment of the payer to the content billing system; And a computer-readable recording medium having recorded thereon a program for realizing a function of generating a charging record for the payer through the payment means, in response to a billing request of the authentication / billing relay system. to provide.

In addition, the present invention, in the payment service system provided with a processor for a universal collection agent service, the ID / password of the payer specified by the payer for each payer in the authentication profile of the authentication / billing relay system, the payment amount limit of the payer ( Virtual payment amount) to map and store / manage; When requesting a billing collection request from the payment system (PG), the authentication / billing relay system checks whether the payer is able to charge the content billing system based on the payer information (ID / password), and the payer through the authentication profile. And a function of performing authentication on the payer. A function of the authentication / billing relay system to charge the payer for the payment amount of the payer in the virtual payment amount to the content billing processing system; And a computer-readable recording medium having recorded thereon a program for realizing a function of generating a charging record for the payer by the content charging processing system in response to the charging request of the authentication / billing relay system.

The above objects, features and advantages will become more apparent from the following detailed description taken in conjunction with the accompanying drawings, whereby those skilled in the art may easily implement the technical idea of the present invention. There will be. In addition, in describing the present invention, when it is determined that the detailed description of the known technology related to the present invention may unnecessarily obscure the gist of the present invention, the detailed description thereof will be omitted. 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 payment service system according to the present invention.

The present invention relates to a payment service using a collection agency at the time of a small payment, such as content payment (information fee, purchase of goods, etc.) of the Internet, and provides an Internet payment service that a collection agency can provide customers with flexibility and use anywhere.

Accordingly, in the present invention, operators that can claim on a collection agent diversify the authentication means of the customer (for example, mobile phone authentication, landline phone authentication, ARS authentication, access line ID / password authentication, credit card authentication, one-time password (OTP) Authentication, subscription type ID / password authentication for virtual payment service, etc.) of the billing means (e.g., mobile phone bill addition, general phone bill addition, access line billing charge, billing method, etc.) Overcoming the limitations, and through the virtual payment concept, we propose a method for delegating payment even if the customer is not the subject of the relevant billing means (include the virtual payment method in the billing means (payment means)).

Hereinafter, the present invention will be classified into a case in which a virtual payment concept is not used (first to third embodiments) and a case in which a virtual payment concept is used (a fourth embodiment).

The concept of 'virtual payment' used in the fourth embodiment of the present invention is as follows.

A customer who can receive a collection agency claim (hereinafter referred to as 'payer') establishes a payment limit that he / she intends to use and authenticates payment. This is referred to as 'virtual settlement' in the present invention, the payment amount limit is referred to as 'virtual settlement amount'.

A person who sets a 'virtual payment amount' is called a 'payer', and a person who registers with a payer is called a 'payer'. The payer can make payment within the virtual payment amount specified by the payer.

The 'virtual payment amount' is not the amount actually charged to the payer, and the actual charge will occur within the virtual payment amount (the payment amount limit) when the payer incurs the actual payment (that is, the payment amount is determined by the payer. In the amount limit).

In fact, when the payment occurs, the payer does not go through the authentication process for payment, and the payment is possible under the virtual payment amount set by the payer. In addition, the payer can register other people (payers) who can use their virtual payment amount, and can issue a coupon (which becomes a virtual payment amount) for anonymous use.

As shown in FIG. 1, the payment service system for a universal collection agent service according to the present invention includes a mobile phone identity authentication 61, a landline telephone authentication (eg, 060 ARS authentication) 62, and a credit card identity authentication. (63), authentication system (61-65), such as one-time password (OTP) / m (mobile) OTP authentication (64), subscribing ID / password authentication (65), and interworking with these authentication systems (61-65) , In the case of subscription-based services, the authentication / billing relay system 40 to manage the subscriber, and deliver the billing record to the content billing processing system 50, check the billing availability of the customer, create a billing record, other billing It includes a content billing processing system 50 for creating the relevant data, and transmits the billing data to the bill storage / arrears management system 70 for the actual billing processing, the administrator terminal 80 for managing this.

The present invention separates the authentication means (61-65) for verifying the identity to generate the charge and the charging request means (payment means) for charging the charge, and the customer (payer) is authenticated according to the situation at the time of the charge generation By selecting the means (61-65), regardless of the billing means (payment means) of the operator, the customer can perform content charging anytime, anywhere, so that not only the wireless service provider, but especially the physical restrictions are severe. Wireline operators and line operators can generate payments by the carrier's billing means.

The collection agency service performed by the payment service device of the present invention is not limited to the 'online collection agency service' such as information usage fee, goods price, and the like, newspaper bill, cable TV subscription fee, parking fee, various utilities, newspaper bill, food waste It should be interpreted as a concept that includes 'offline collection agency services' such as collection fees and resident priority parking fee collection agency.

In particular, the payment service system for a general collection agency service according to the present invention, the first user selected the authentication means (for example, mobile phone authentication, landline telephone, when requesting the charge collection agency request of the payment system (PG) 30) Authentication, ARS authentication, access line ID / password authentication, credit card authentication, one-time password (OTP) authentication, subscription type ID / password authentication for virtual payment service, etc.] and payment means (e.g. billing means , Billing based on customer confirmation information and payment information according to general telephone bill summation billing, access line bill sum billing, credit card billing method, virtual settlement method, etc. The second user is authenticated in connection with the system (61 to 65), and upon successful authentication, the second user is charged to the second user through the payment method. In accordance with the authentication / billing relay system 40 and the authentication / billing relay system 40 to check the billing availability inquiry request based on the customer confirmation information and payment information to check the billing availability of the second user authentication / billing And a content billing processing system 50 for informing the relay system 40 and generating a 'billing record of the corresponding payment means' for the second user according to the billing request of the authentication / billing relay system 40. In addition, at the request of the content billing processing system 50, on the basis of the 'billing record of the corresponding payment means', the actual charges are charged to the second user through the corresponding payment means, and the fee storage / management for managing the overpayment / The non-payment management system 70 further includes.

Here, according to the first to third embodiments of the present invention that do not use the virtual settlement amount, the first and second users are both payers and payers (payers = payers).

In this case, the means of payment (billing means) may be, for example, the sum of mobile phone bills, the sum of general phone bills, the sum of connection line bills, the credit card billing method, and the like. , ARS authentication, access line ID / password authentication, credit card authentication, and one-time password (OTP) authentication. Each of the payment means and the authentication means is at least one that can be arbitrarily designated by the collection agency service provider, and the payer (= payer) may select one from the designated payment means and the authentication means.

Further, according to the fourth embodiment of the present invention using the virtual payment concept, the first user is a payer, and the second user is a payer (payer? Payer).

Here, the authentication means is based on the subscription type ID / password authentication for the virtual payment service, the payment means is a virtual payment method. In this case, the authentication / billing relay system 40 is pre-stored in the authentication profile 41, the ID / password of each payer specified by the payer, the payment amount limit (virtual payment amount) that can be paid by the corresponding payer. However, according to the fourth embodiment of the present invention, the settlement amount of the first user (payer) is established within the settlement amount limit designated by the second user (payer).

That is, the payer may designate at least one payer, and each payer may make payment within the corresponding payment amount limit (virtual settlement amount) designated by the payer. Therefore, in the authentication profile 41, each payer ID / password designated by the payer and the payment amount limit (virtual payment amount) of the payer are stored and managed for each subscriber (payer).

First, according to the first to fourth embodiments to look at the functions of the respective components of the payment service system for the general collection agent service of the present invention comprehensively, and then separated by each embodiment using the collection agent in the small payment Let's take a look at the payment service plan.

The most basic role of financial institutions such as credit card companies in electronic commerce is to approve payment and settlement of purchases. This ultimately allows the store or content provider (CP) 20 that sells the product to be paid for the use or the selling price using a system associated with the card company or the telecommunication company. Accordingly, the payment system (PG) 30 connects the merchant (Merchant) or the content provider (CP) 20 with the card company or the telecommunication company online (On-line), the approval or settlement according to the payment, etc. Performs several tasks.

In particular, in the present invention, the payment system (PG) 30 receives the billing means (payment means) from the content provider (CP) 20 and requests the billing request to the recovery agency.

The authentication / billing relay system 40 receives the billing request in connection with the payment system (PG) 30 and inquires the content billing processing system 50 to determine whether billing is possible, and various authentication means 61 to 65. ), Such as mobile phone authentication, wired phone authentication, ARS authentication, access line ID / password authentication, credit card authentication, one-time password (OTP) authentication, subscription type ID / password authentication for virtual payment service, etc.) If necessary, the user profile is found in the authentication profile 41 and finally the billing request is sent to the content billing processing system 50.

The content billing processing system 50 accumulates billing materials for small payments such as Internet content use (information of use), goods billing, etc. in a DB (billing profile 51), and charges the monthly payment data with the bill storage / payment management system 70. Send it. At this time, the content billing processing system 50, when a billing request is received from the authentication / billing relay system 40, the customer's profile 52 of the operator is checked to determine whether the billable customer, and billing request (51) ) Stack it up.

The charge storage / nonpayment management system 70 manages wireline charges and connection line charges, storages, and arrears that are billed to customers of the operator.

In FIG. 1, the user terminal 10 may include a network (eg, wired / wireless Internet (WEB, WAP / ME), intranet, LAN, wireless LAN, telephone network (PSTN), synchronous / asynchronous mobile communication network, A mobile terminal (WiBro), terrestrial broadcasting network, DMB (Digital Multimedia Broadcasting) broadcasting network, etc.] is a terminal that can use the content (use of information), purchase of goods, and the like.

Hereinafter, a description will be given by taking a wired communication company (a wired carrier) that provides a wired telephone and a connection line as an example. However, it should be noted that the billing means can be applied to mobile carriers (wireless carriers) as mobile phone billing.

First, the first to third embodiments in the case of not using the virtual payment concept will be described with reference to FIGS. 5 to 7.

5 is a flowchart of a first embodiment of a payment service method using mobile phone authentication according to the present invention.

When the telecommunication company information use or product purchase customer (user terminal 10) makes a small payment by using information (content use) or purchasing a product (article) on the Internet, the content provider (CP) 20 side window displays the present invention. The payment service of may be provided as one of the payment means. Therefore, when the customer selects the payment service of the present invention (501), the payment window provided by the payment system (PG) 30 pops up to the user terminal 10 (505).

At this time, the payment system (PG) 30 authenticates / charges the payment means (billing method) and the authentication means (authentication method) for the collection agency service upon payment request 502 of the content provider (CP) 20. The system 40 is queried (503), and means for payment (e.g., mobile phone bill addition, general phone bill addition, access line billing charge, credit card billing, etc.) and authentication means (e.g., Mobile phone authentication, wired phone authentication, ARS authentication, access line ID / password authentication, credit card authentication, one-time password (OTP) authentication, etc.) is received in response (504), and delivered to the user terminal (10). In this case, on the user terminal 10, an authentication means (for example, various means such as mobile phone authentication, 060 ARS authentication, credit card authentication, mOTP / OTP authentication) for customer confirmation and payment means (for example, KT Various means such as a landline phone, KT Megapass, Hana Force, Xfeed, SKT / LGT / KTF mobile phone may come) and a payment window (see Fig. 2) including the corresponding payment amount pops up (505).

Referring to the payment window of Figure 2, the selection of the billing means (payment means) for the summation request is limited depending on the recovery agency service provider that provides the service. That is, the type of payment means can be arbitrarily designated by the recovery agency service provider. In addition, the type of authentication means may be arbitrarily designated by the recovery agency service provider.

Thereafter, in the payment window of FIG. 2, the customer selects an authentication method (authentication means) and a payment method (payment means).

In the present embodiment, a case of selecting 'mobile phone identity verification' as the authentication method (authentication means) and selecting 'wired phone' as the payment method (payment means) will be described as an example. That is, when the user selects 'mobile phone identity verification' as the authentication means and 'KT landline' as the payment means, as shown in FIG. 3, information (customer verification information) and payment information for mobile phone identity verification are shown. A window for input appears and when the user inputs it (506), payment information (for example, a landline phone number) and customer identification information (for example, a name, social security number, mobile phone number, etc.), payment amount information is displayed in the payment system (PG). In operation 30, the authentication / billing relay system 40 is transmitted (507).

Subsequently, the authentication / billing relay system 40 checks the profile 52 of the corresponding customer in the content charging processing system 50 to check whether the corresponding operator is a billable customer (508). That is, when the billing operator (content provider (CP) 20) is a wireless operator, if the user selects a landline phone as a payment means, the billing by the landline phone is impossible for the wireless provider. On the contrary, when the billing operator (content provider (CP) 20) is a wired operator, if the user selects a mobile phone as a payment means, it is impossible to be charged by the mobile phone from the point of view of the wired operator.

If the service provider is a customer who can claim, the authentication / billing relay system 40 sends a mobile phone identity verification request to authentication system 1 (mobile phone authentication system) 61 (509) and an authorization number requested from the mobile phone authentication system 61. (SMS type approval number) is received (510). At this time, the mobile phone authentication system 61 or the authentication / billing relay system 40 transmits the approval number to the mobile phone number used in the customer identification information through linkage with the short message center (SMSC).

Thereafter, the authentication / billing relay system 40 requests the input of the authorization number to the payment system (PG) 30 (511), the pop-up window of the payment system (PG) 30 as shown in FIG. When the authorization number input window is changed (512), and the user inputs the authorization number sent by SMS (513), the payment system (PG) 30 transfers the authorization number to the authentication / billing relay system 40. Transmit (514). Subsequently, the authentication / billing relay system 40 compares the approval number pre-transmitted from the mobile phone authentication system 61 with the approval number input from the user (514), and if it matches, the corresponding billing to the content charging processing system 50. By requesting (516), the payment is completed.

Thereafter, the content billing processing system 50 accumulates the billing data in a DB (billing profile 51) and transmits billing data every month to the fee storage / nonpayment management system 70 (517).

6 is a flowchart illustrating a second embodiment of a payment service method using ARS authentication according to the present invention.

When the telecommunication company information use or product purchase customer (user terminal 10) makes a small payment by using information (content use) or purchasing a product (article) on the Internet, the content provider (CP) 20 side window displays the present invention. Provides a payment service as a payment means, and when a customer selects the payment service of the present invention (601), a payment window (see FIG. 2) provided by the payment system (PG) 30 is provided to the user terminal 10. It is provided in a pop up form (605).

At this time, the payment system (PG) 30 authenticates / charges the payment means (billing method) and the authentication means (authentication method) for the collection agency service when the payment request of the content provider (CP) 20 (602). The system 40 is queried (603) to provide a means for payment (e.g., billing of mobile phone bills, billing of general telephone bills, billing of access line billing, credit card billing, etc.) and means for authenticating (e.g., , Mobile phone authentication, wired phone authentication, ARS authentication, access line ID / password authentication, credit card authentication, one-time password (OTP) authentication, etc.) is received in response to 604, and passes to the user terminal 10. In this case, on the user terminal 10, an authentication means (for example, various means such as mobile phone authentication, 060 ARS authentication, credit card authentication, mOTP / OTP authentication) for customer confirmation and payment means (for example, KT A payment window including a landline phone, KT Megapass, Hana Force, Xfeed, SKT / LGT / KTF mobile phone, etc.) and a corresponding payment amount may be provided in a popup form (605).

If the customer selects '060 ARS authentication' as the authentication means and 'KT landline' as the payment means in the payment window of FIG. 2, information (customer verification information) and payment information for '060 ARS authentication' A window is displayed for inputting the payment information (for example, a landline telephone number) and customer identification information (for example, a name, social security number, etc.), and payment amount information (PG). 30, it is transmitted to the authentication / billing relay system 40 (607). In this case, the customer identification information may include a customer identification telephone number (a wired telephone number / mobile phone number different from the payment means) used in ARS. In general, it is preferable to authenticate a landline telephone number designated as a payment means by ARS authentication to a customer identification telephone number (CID) when ARS is connected, but it is assumed that a telephone designated as a payment means and an ARS access phone may be different [Example For example, payment may be made to phone A, and ARS connection may be made to phone B].

Subsequently, the authentication / billing relay system 40 checks the profile 52 of the corresponding customer in the content charging processing system 50 to check whether the corresponding operator is a billable customer (608). That is, when the billing operator (content provider (CP) 20) is a wired operator, if the user selects the 'mobile phone' as a payment method, it is impossible for the wireline carrier to charge by the mobile phone billing billing method. do. On the contrary, when the billing operator (content provider (CP) 20) is a wireless operator, if the user selects 'wired phone' as a payment method, the billing by the telephone number charge summation method is charged to the wireless operator. It becomes impossible.

If the operator is a customer who can claim, the authentication / billing relay system 40 generates an authorization number, checks the customer identification telephone number (CID) [in this case, the telephone number specified as the payment means is Or may be a telephone number of a separately designated ARS dial-up telephone number], generating an internal transaction ID (609), and sending a request for '060 ARS authentication' to wireline authentication (eg, 060). ARS authentication) to the system 62 (at this time, a customer identification phone number (CID), authorization number, transaction ID (ID) for the ARS is transmitted) 610.

The authentication / billing relay system 40 transmits the approval number to the payment system (PG) 30 (611), and the payment system (PG) 30 sends the approval number to the user terminal 10 through a pop-up window. (612).

Then, when the user accesses the wired telephone authentication (eg, 060 ARS authentication) system 62 through the telephone designated as the payment means or the telephone designated as the ARS access terminal (613) and enters an authorization number according to the ARS access procedure (613) ( 614), the wired telephone authentication (for example, 060 ARS authentication) system 62, the authorization number and customer identification telephone number (CID) previously received from the authentication / billing relay system 40 and the authorization number and origination entered by the user The telephone number (CID) of the telephone is compared (615), and the authentication result is transmitted to the authentication / billing relay system 40 (616). In response to this, the authentication / billing relay system 40 requests the corresponding billing to the content billing processing system 50 when the authentication is successful (617) and notifies the billing result to the payment system (PG) 30 (618), The payment is completed.

Thereafter, the content billing processing system 50 accumulates the billing data in a DB (billing profile 51) and transmits billing data every month to the fee storage / nonpayment management system 70 (619).

7 is a flowchart of a third embodiment of a payment service method using mOTP authentication according to the present invention.

For reference, the one-time password (OTP) is a password system that can be used only once and uses a different password every time to authenticate a user. Since a new password is generated at a dedicated terminal every certain time, and a new password must be entered every time the system is accessed, the password can be prevented from being hacked or neglected by the user. Mobile OTP is a one-time password generation software that can be mounted on a mobile phone.

When the telecommunication company information use or product purchase customer (user terminal 10) makes a small payment by using information (content use) or purchasing a product (article) on the Internet, the content provider (CP) 20 side window displays the present invention. Provides a payment service as a payment means, and when the customer selects the payment service of the present invention (701), the payment window (see FIG. 2) provided by the payment system (PG) 30 is provided to the user terminal 10. It is provided in a pop up form (705).

At this time, the payment system (PG) 30 authenticates / charges the payment means (billing method) and the authentication means (authentication method) for the collection agency service when the payment request of the content provider (CP) 20 (702). The system 40 is queried (703), which means that payment is possible (e.g., mobile phone bill addition, general phone bill addition, access line billing charge, credit card billing, etc.) and authentication means (e.g., Mobile phone authentication, wired phone authentication, ARS authentication, access line ID / password authentication, credit card authentication, and one-time password (OTP) authentication, etc.) is received in response (704), and delivered to the user terminal (10). In this case, on the user terminal 10, an authentication means (for example, various means such as mobile phone authentication, 060 ARS authentication, credit card authentication, mOTP / OTP authentication) for customer confirmation and payment means (for example, KT A payment window including a landline phone, KT Megapass, Hana Force, Xfeed, SKT / LGT / KTF mobile phone, etc.) and a corresponding payment amount may be provided in a popup form (705).

Thereafter, in the payment window of FIG. 2, the customer can select an authentication method (authentication means) and a payment method (payment means). If the user selects 'mOTP authentication' as the authentication means and selects 'mobile phone' as the payment means. When the user inputs the information (for example, mobile phone number) and customer identification information (for example, name, name, etc.), a window for inputting information (customer identification information) and payment information for mOTP authentication appears. Social security number, etc.), payment amount information is transmitted from the payment system (PG) 30 to the authentication / billing relay system 40 (707).

Thereafter, the authentication / billing relay system 40 checks the profile 52 of the corresponding customer in the content charging processing system 50 to check whether the corresponding operator is a billable customer (708). That is, when the billing operator (content provider (CP) 20) is a wireless operator, if the user selects a landline phone as a payment means, the billing by the landline phone is impossible for the wireless provider. On the contrary, when the billing operator (content provider (CP) 20) is a wired operator, if the user selects a mobile phone as a payment means, it is impossible to be charged by the mobile phone from the point of view of the wired operator.

If the operator is a customer who can claim, the authentication / billing relay system 40 requests the input of the mOTP / OTP to the payment system (PG) 30 (709), and a pop-up window of the payment system (PG) 30 is requested. Is changed to the mOTP / OTP input window (710).

At this time, by generating a one-time password (OTP) in the user terminal 10, that is, a mobile phone (711), and enter the one-time password (OTP) in the OTP input window (712), the payment system (PG) 30 in the one-time The password OTP is transmitted to the authentication / billing relay system 40 (713). Subsequently, the authentication / billing relay system 40 is verified by transmitting a one-time password (OTP) to the mOTP / OTP authentication system 64 (714,715) and, upon successful authentication, requests the corresponding billing to the content billing processing system 50. 716, and notifies the payment result to the payment system (PG) 30 (717), and the payment is completed.

Thereafter, the content billing processing system 50 accumulates the billing data in a DB (billing profile 51) and transmits billing data every month to the fee storage / nonpayment management system 70 (718).

Now, a fourth embodiment in the case of using the virtual payment concept will be described with reference to FIG. 10.

10 is a flowchart of a fourth embodiment of a payment service method using a virtual payment according to the present invention.

As described above, the 'virtual payment concept' used in the fourth embodiment is different from a person who can make a payment (as defined above as a 'payer') and a different person (which has been defined as a 'payer' above). Also, it is possible to make payments with its own billing means (payment means), and to allow other persons (payers) to make payments within the limit set by the payer (the virtual settlement amount specified by the payer). To give.

For the fourth embodiment of the present invention, the payer and the virtual payment amount are registered through the subscription type ID / password authentication system 65.

That is, for the fourth embodiment of the present invention, the subscriber (payer) subscribes to the corresponding authentication means (subscription ID / password authentication system 65) in the collection agency service site or the payment pop-up window, and other authentication means (for example, Verify your identity through mobile phone authentication, etc. It registers the ID / password of the person who is authenticated and who can generate additional payment (payer), and specifies the limit of payment amount (virtual payment amount) that can be used by the payer. Then, the payment means (e.g., landline / line ID, etc.) to be charged is selected. Then, in the authentication profile 41 of the authentication / billing relay system 40, the subscriber (payer) and the user (payer) registered by the payer, the limit for each user (payer), the payment means of the subscriber (payer) (Billing means) is stored.

Therefore, each payer may generate a payment by selecting a virtual payment service as an authentication means in a popup window when a payment occurs (see FIG. 8) and entering a registered ID / password (see FIG. 9).

Thus, for the fourth embodiment of the present invention, the user (payer) is the subscriber (payer) and the corresponding payer to the authentication profile 41 of the authentication / billing relay system 40 through the service subscription, and the user registration procedure before payment occurs Through registration (101) of ID / password and each limit (payment amount limit) of a plurality of users (payers) that can generate billing through.

Then, the payer is authenticated with the virtual ID / password (106), the authentication / billing relay system 40 checks the virtual payment user (payer) with this information (109), the user (payer) The actual payer, i.e., subscriber information, is checked (110). In addition, if the billing is possible and there is no problem with the payment amount limit or the payer ID / password, the bill is charged to the actual payer (112).

That is, when the telecommunication company information use or product purchase customer (user terminal 10) makes a small payment by using information (content use) or product (item) purchase on the Internet, the content provider (CP) 20 side window is displayed. When the payment service of the present invention is provided as a payment means, and the customer selects the payment service of the present invention (102), the payment window (see FIG. 8) provided by the payment system (PG) 30 becomes the user terminal 10. In the pop-up form (106).

At this time, the payment system (PG) 30 authenticates / charges the payment means (billing method) and the authentication means (authentication method) for the collection agency service 102 when the payment is requested by the content provider (CP) 20. Query the relay system 40 (104), which means that payment can be made (e.g., mobile phone bill add, general phone bill add, access line bill add, credit card bill, virtual payment) In response to the means (e.g., mobile phone authentication, wireline authentication, ARS authentication, access line ID / password authentication, credit card authentication, one-time password (OTP) authentication, virtual payment authentication, etc.), the user terminal 10 To pass). In this case, on the user terminal 10, the authentication means (for example, mobile phone authentication, 060 ARS authentication, credit card authentication, mOTP / OTP authentication, virtual payment authentication (ie, subscription type ID / password authentication for the virtual payment service) for customer confirmation And various means such as KT landline, KT Megapass, HanaForce, Xfeed, SKT / LGT / KTF mobile phone, virtual payment, etc. A payment window containing the amount is provided in a popup form (106).

Thereafter, in the payment window of FIG. 8, the customer may select an authentication method (authentication means) and a payment method (payment means). If the user selects 'virtual payment service' as the authentication means and 'virtual payment service' as the payment means, If you select, a window (see Fig. 9) for inputting the ID / password for virtual payment authentication appears, and when the user enters accordingly (107) customer identification information (for example, the ID / password of the payer), Payment amount information is transmitted 108 from the payment system (PG) 30 to the authentication / billing relay system 40 (108).

Here, the ID / password as the customer identification information input by the payer may inform the payer on / offline after the payer registers the service.

Subsequently, the authentication / billing relay system 40 checks the authentication profile 41 based on the ID / password of the payer to check whether the payer is already registered by the payer (109), and the actual payer for the payer. Check (110). However, the payment amount of the payer shall be within the 'payment amount (virtual settlement amount) of the payer' specified by the payer.

In addition, the authentication / billing relay system 40 checks the profile 52 of the customer in the content billing processing system 50 to determine whether the operator is a billable customer (payer) (111).

If payment is possible for the payer and there is no problem with the payment amount limit, the payer's ID / password, etc., the payer may be charged for the actual payer. In this case, the authentication / billing relay system 40 requests the corresponding billing to the content billing processing system 50 (112), and notifies the billing result to the payment system (PG) 30 (113), and the corresponding payment is made. Is done.

Thereafter, the content billing processing system 50 accumulates the billing data in a DB (billing profile 51) and transmits billing data every month to the fee storage / nonpayment management system 70 (114).

In the first to fourth embodiments described above, it has been suggested that a service provider can provide a collection agency service by a billable means (payment means) regardless of the authentication means. However, it should be noted that the payment means (billing means) of the operator is not limited through linkage with other providers. In other words, if the wire carrier is linked with the wireless carrier and the billing operator (content provider (CP) 20) is the wireless carrier, even if the user selects the landline as a payment method, It is possible to charge by phone. On the contrary, when the billing operator (content provider (CP) 20) is a wired operator, even if the user selects a mobile phone as a payment means, the chargeable charge by the mobile phone is possible from the wired operator's point of view.

As described above, the method of the present invention may be implemented as a program and stored in a recording medium (CD-ROM, RAM, ROM, floppy disk, hard disk, magneto-optical disk, etc.) in a computer-readable form. 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 technical 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 separates a billing means owned by a landline telephone operator, a line operator, a mobile communication provider, etc. from an authentication means, and the customer of the corresponding operator can settle through any billing means with any authentication means. It has the effect of making it possible.

In addition, the present invention is not limited to the billing means (payment means) of the operator, there is an effect that can be settled through the payment means of other operators through the linkage with other operators.

Therefore, the present invention has an effect that allows the recovery agency service provider to provide customers with flexible and online / offline payment services that can be used anywhere.

Claims (26)

In the payment service system for the collection agency service, When requesting a chargeback collection request from the payment system (PG), inquiring whether the second user can be charged based on customer identification information and payment information according to the authentication means and payment means (i.e., billing means) selected by the first user. Authentication / billing relaying means for performing authentication on the second user through the authentication means, and upon successful authentication, charging the second user through the payment means to charge the second user's payment; And Inquiry of the second user's accounting availability based on the customer identification information and the payment information according to the request for checking whether the authentication / billing relay means is possible, and informs the authentication / billing relay means, and the authentication / billing relay. Charging processing means for generating a charging record of the payment means for the second user according to the charging request of the means; Payment service system for a universal recovery agency service comprising a. The method of claim 1, According to the request of the billing processing means, charge storage / nonpayment management means for charging the second user through the payment means based on the billing record, and managing storage and nonpayment Payment service system for a universal recovery agency service further comprising. The method according to claim 1 or 2, The authentication means, Universal collection, characterized in that any one of mobile phone authentication, wireline authentication, ARS authentication, access line ID / password authentication, credit card authentication, one-time password (OTP) authentication, subscription ID / password authentication method for virtual payment service Payment service system for agency services. The method of claim 3, wherein The first and second users, A payment service system for a general purpose payback service, characterized in that the payer and the payer. The method of claim 4, wherein The payment means, A billing service system for a general purpose collection agency service, characterized in that any one of the sum of the mobile phone bills, general phone bills, access line billing charges, credit card billing method. The method of claim 5, wherein The payment means or the authentication means, respectively, At least one that can be arbitrarily designated by the collection agency service provider, and the payment service for the general collection agency service, characterized in that the payer (that is, the payer) can select one from each of the designated payment means or authentication means. system. The method of claim 3, wherein The authentication means is based on the subscription type ID / password authentication for the virtual payment service, the payment means is a payment service system for a universal recovery agency service, characterized in that the virtual payment method. The method of claim 7, wherein The first user is a payer, The second user is a payment service system for a general purpose collection agent, characterized in that the payer. The method of claim 8, The first user, At least one payer specified by the payer, each payer can be settled within the virtual payment amount specified by the payer (payer payment amount limit) characterized in that the payment service system for a universal collection agent service. The method of claim 9, The authentication / billing relay means, A payment service system for a general collection agency service, characterized in that the ID / password of each payer designated by the payer and the virtual payment amount of the payer are mapped and stored in the authentication profile. The method of claim 5, wherein The authentication means is a mobile phone authentication method, The payment means is a payment service system for a universal recovery agency service, characterized in that the general telephone bill sum method. The method of claim 11, The authentication / billing relay means, If billing is possible to the payer (= payer), request the authentication of the payer (= payer) to the mobile phone authentication system to receive the approval number, and enter it through the approval number input window by the payer (= payer). Comparing with the approved number, the payment service system for a general collection agent service, characterized in that the billing processing means for requesting to add the payment amount to the general telephone bill of the payer (= payer). The method of claim 5, wherein The authentication means is an ARS authentication method, The payment means is a payment service system for a universal recovery agency service, characterized in that the general telephone bill sum method. The method of claim 13, The authentication / billing relay means, If billing is possible to the payer (= payer), create an authorization number, check the customer identification phone number (CID), and request the authorization of the payer (= payer) to the ARS authentication system to confirm the authorization number and And transmitting the customer identification telephone number (CID) and transmitting the approval number to a payer (= payer) through a payment system (PG). The method of claim 14, The ARS authentication system, Comparing the authorization number received from the authentication / billing relay means and the customer identification telephone number (CID) and the authorization number and telephone number (CID) confirmed through the payer (= payer) telephone, if the match is the amount of payment The billing service system for a general collection agency service, characterized in that the billing means for requesting to add to the general telephone bill of the payer (= payer). In the payment service method for the collection agency service, When requesting a payment collection request from the payment system (PG), the authentication / billing relay system checks whether the payer can charge the content billing system based on the customer confirmation information and payment information according to the authentication method and payment method selected by the payer. Querying; Performing, by the authentication / billing relay system, authentication of the payer through the authentication means; When the authentication is successful, causing the authentication / billing relay system to charge the payer for the payment amount of the payer to the content billing processing system; And In response to a billing request of the authentication / billing relay system, the content billing processing system generating a billing record for the payer through the payment means; Payment service method for a universal recovery agency service comprising a. The method of claim 16, The payer, Payment service method for a universal collection agency service, characterized in that the same as the payer. The method according to claim 16 or 17, The authentication means, Mobile phone authentication, landline phone authentication, ARS authentication, connection line ID / password authentication, credit card authentication, one-time password (OTP) authentication method of payment service for a universal collection agent service, characterized in that any one of. The method of claim 18, The payment means, The billing service method for a general purpose collection agency service, characterized in that any one of the sum of the mobile phone bill, the general telephone bill, the connection line billing bill, credit card billing method. The method of claim 19, The payment means or the authentication means, respectively, At least one that can be arbitrarily designated by the collection agency service provider, and the payment service method for the general collection agency service, characterized in that the payer (= payer) can select one from each of the specified payment means or authentication means. . The method of claim 19, The authentication means is a mobile phone authentication method, the payment means is a general telephone bill sum billing method, The authentication / billing relay system, if billing is possible to the payer (= payer), request the authentication of the payer (= payer) to the mobile phone authentication system to receive the approval number, and to the payer (= payer) By comparing with the approval number entered through the approval number input window, requesting the content billing processing system to request that the payment amount be summed up to the general telephone fee of the payer (= payer). Payment service method for collection agency service. The method of claim 19, The authentication means is ARS authentication method, the payment means is a general telephone bill sum method, The authentication / billing relay system generates an authorization number and checks a customer identification telephone number (CID) when billing is possible to the payer (= payer), and checks the corresponding payer (= payer) in the ARS authentication system. Send the authorization number and the customer identification telephone number (CID) by requesting the authentication, and transmits the authorization number to the payer (= payer) through the payment system (PG), The ARS authentication system compares the approval number received from the authentication / billing relay means with the customer identification telephone number (CID) and the approval number and the telephone number (CID) confirmed through the payer (= payer) telephone. If so, the billing service means for requesting the billing processing means to add the payment amount to the general telephone bill of the payer (= payer). In the payment service method for the collection agency service, Mapping and storing and managing an ID / password of a payer designated by the payer and a payment amount limit (virtual payment amount) of the payer in the authentication profile of the authentication / billing relay system; When requesting a billing collection request from the payment system (PG), the authentication / billing relay system checks whether the payer is able to charge the content billing system based on the payer information (ID / password), and the payer through the authentication profile. And performing authentication on the payer; Causing the authentication / billing relay system to charge the payer for the payment amount of the payer in the virtual payment amount to the content billing processing system; And Generating a charging record for the payer by the content charging processing system according to the charging request of the authentication / billing relay system; Payment service method for a universal recovery agency service comprising a. The method of claim 23, The payer, At least one is designated by the payer, each payer can be settled within the payment amount limit (virtual settlement amount) specified by the payer, characterized in that the payment service method for a general purpose of return service. In the payment service system equipped with a processor for a general purpose collection service When requesting a billing collection request from the payment system (PG), the authentication / billing relay system checks whether the payer can charge the content billing system based on the customer confirmation information and payment information according to the authentication method and payment method selected by the payer. Function; A function of the authentication / billing relay system performing authentication of the payer through the authentication means; Upon successful authentication, allowing the authentication / billing relay system to charge the payer the amount of payment of the payer to the content billing system; And In response to a billing request of the authentication / billing relay system, the content billing processing system generates a billing record for the payer through the billing means; A computer-readable recording medium having recorded thereon a program for realizing this. In the payment service system equipped with a processor for a general purpose collection service, A function of mapping and storing and managing the ID / password of the payer designated by the payer and the payment amount limit (virtual payment amount) of the payer in the authentication profile of the authentication / billing relay system; When requesting a billing collection request from the payment system (PG), the authentication / billing relay system checks whether the payer is able to charge the content billing system based on the payer information (ID / password), and the payer through the authentication profile. And a function of performing authentication on the payer. A function of the authentication / billing relay system to charge the payer for the payment amount of the payer in the virtual payment amount to the content billing processing system; And The content billing processing system generates a billing record for the payer according to a billing request of the authentication / billing relay system; A computer-readable recording medium having recorded thereon a program for realizing this.

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