KR20090002088A - Certification server and method for the same - Google Patents

Abstract

An authentication server which is possible for pre-receipt in case the amount of settlement exceeds limit and control method for the same are provided to improve convenience of the small amount settlement using a mobile communication terminal. An authentication server which is possible for pre-receipt in case the amount of settlement exceeds limit comprises a step of receiving user information for the fee payment from a user(S510), a step of transmitting authentication request of user to server of mobile network operator mapped in the received user information(S520), a step of receiving the pre-receipt announcement in case the small amount settlement charge of the mobile communication terminal, exceeds limit(S530), a step of determining pre-receipt according to the received pre-receipt announcement(S540) and a step of receiving the authentication number from a mobile carrier server side(S550).

Description

Authentication server and control method {CERTIFICATION SERVER AND METHOD FOR THE SAME}

1 is a diagram showing a prepaid payment system configured by the authentication server of the present invention.

2 is a configuration diagram of an authentication server according to an example of the present invention.

3A is a diagram illustrating user information input according to an example of the present invention.

3B is a diagram illustrating a prepaid lead message according to an example of the present invention.

4A is a diagram illustrating user information input according to another example of the present invention.

4B is a diagram illustrating input of an authentication number according to an example of the present invention.

Figure 4c is a view showing the prepayment settlement completion guide according to an example of the present invention.

5 is a flowchart illustrating a control method of an authentication server according to an example of the present invention.

6 is a flowchart illustrating a control method of an authentication server according to another exemplary embodiment of the present invention.

7 is a flowchart illustrating a control method of an authentication server according to another exemplary embodiment of the present invention.

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

110: merchant server

120: authentication server

130: mobile service provider server

140: financial institution server

150: mobile communication network

160: mobile communication terminal

The present invention relates to an authentication server and a method of controlling the same, which enables convenient payment of prepaid fees even when payment is not made due to exceeding a small payment limit during a commerce over the Internet.

E-commerce (e-commerce) is all the act of buying and selling products and services through virtual stores built on Internet websites. Or, broader concept, it refers to the act of economic actors such as private companies and governments buying and selling products or services by combining electronic media such as telephone, fax, and computers with telecommunication networks. In other words, it refers to all transactions that take place through information and communication networks such as the Internet.

E-commerce can be divided into three types, mainly between orders, orders, and settlements, between specific companies, between virtual companies and consumers, and between unspecified companies using the Internet. The most common among these is the transactions between companies and consumers using virtual stores. This type of transaction, called online shopping, creates a virtual store called a cyber mall on the Internet, and sells various goods through a computer, anywhere, without the need for a customer to visit, like a conventional market or a department store. It is convenient to order products, and it is very economical because it can save time and money.

According to data from the National Statistical Office, the domestic e-commerce e-commerce market amounted to 936 trillion won in 2006, and the online digital content market amounted to 3 trillion won, totaling 399 trillion won. In addition, the mobile payment market for electronic commerce amounts to KRW 1 trillion.

However, the mobile payment for e-commerce is lower than the credit card of 30,000 won to 150,000 won per month, and the settlement limit is longer than 2 months from the date of purchase. Had the disadvantages of being.

The present invention has been made in order to improve the prior art as described above, the present invention provides a small payment through the mobile communication terminal when the prepaid payment is selected by the user, or exceeds the small payment limit through the mobile communication terminal During the transaction through the Internet, the amount paid according to the prepayment (prepayment) agreement from the user, i.e., the direct debit subscription customer, will be withdrawn the next day or according to the carrier's bill payment cycle. The purpose of this is to make it possible to conveniently pay the prepaid fee even if payment is not made due to exceeding the micropayment limit.

In addition, the present invention improves the convenience of small payments using a mobile communication terminal, payment by prepayment (small payments) can be shortened the settlement cycle to save money according to the interest rate interest rate, the user's personal information And by not exposing the financial information to improve the stability of the security, because the payment is made by bank transfer to obtain the tax benefits according to the proof of consumption.

In addition, the present invention, the convenience of fee payment is increased to improve the success rate of payment to contribute to the improvement of sales of operators and affiliated stores, and the like, and reduce the management fee by reducing the fees incurred in the small payment service using a mobile communication terminal It aims to be able to reduce.

In addition, the present invention aims to secure a comparative advantage not only with online commerce but also with payment by credit card during offline commerce, and to increase profits through the expansion of the micro payment market.

In order to achieve the above object and to solve the problems of the prior art, the control method of the authentication server according to an aspect of the present invention, the authentication server for enabling the payment by the automatic transfer of the mobile terminal by authenticating the mobile terminal user In the control method, Receiving user information for billing payment from a user, Transmitting the authentication request of the user to a mobile service provider server mapped to the received user information, The mobile communication according to the user authentication request If the micropayment fee used in the mobile communication terminal exceeds the micropayment limit as a result of the determination of the operator server, receiving the prepaid delivery guidance message, determining the prepaid delivery according to the received prepaid delivery guidance message, and the above line. Sending a signal for a decision to receive to the mobile service provider server side Song and includes receiving a verification code from the network operator server side.

In addition, according to another aspect of the present invention, the method further comprises the step of controlling the received prepayment guidance message to be displayed on the mobile communication terminal.

In addition, according to another aspect of the present invention, by providing the received authentication number to the mobile communication terminal side, when the authentication by the authentication number is performed, further comprising the step of controlling to perform prepayment.

In addition, according to another aspect of the present invention, the prepaid payment is paid through a financial account associated with the user mobile communication terminal.

In addition, according to another aspect of the present invention, the user information includes at least one of the name of the user of the mobile communication terminal, social security number, mobile communication terminal call number and the information of the registered mobile communication service provider.

In addition, according to another aspect of the present invention, in the control method of the authentication server to enable the payment by the automatic transfer of the mobile communication terminal by authenticating the mobile communication terminal user, the user information and pre-payment for payment from the user Receiving a reception determination signal, and transmitting a user authentication request signal including the user information and the prepayment determination signal to the mobile communication company based on the received prepayment determination signal, wherein the user authentication is performed. Receiving user authentication as a response to the request signal; if user authentication is performed according to the reception result, transmitting an authentication number to the mobile communication terminal; receiving the authentication number from a predetermined user terminal; Controlling to make a decision.

In addition, according to another aspect of the present invention, in the control method of the authentication server to enable the payment by the automatic transfer of the mobile communication terminal by authenticating the mobile communication terminal user, receiving user information for payment of the fee from the user Transmitting a user authentication request signal to a specific mobile communication company; receiving a user authentication as a response to the user authentication request signal; if user authentication is performed according to the reception result, authenticating to the mobile communication terminal Transmitting the number, receiving the authentication number and the prepayment determination signal from a predetermined user terminal, and controlling the prepayment determination according to the received prepayment determination signal.

Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings and the contents described in the accompanying drawings, but the present invention is not limited or limited to the embodiments. Like reference numerals in the drawings denote like elements.

1 is a diagram showing a prepaid payment system configured by the authentication server of the present invention.

As shown in FIG. 1, the prepaid payment system configured by the authentication server of the present invention includes a user terminal 105, an affiliated store server 110, an authentication server 120, a mobile communication service provider server 130, and a financial company server. 140, the mobile communication network 150, the mobile communication terminal 160, and the like.

The user transmits user information for bill payment to the affiliated store server 110 by using the mobile communication terminal 160 capable of communicating through the user terminal 105 or the mobile communication network 150.

In this case, the payment using the mobile communication terminal 160 refers to a payment method used through authentication of a mobile communication terminal user in an electronic commerce, and the payment using the mobile communication terminal is also called a mobile phone (mobile phone) micro payment. .

The mobile communication terminal 160 according to the present invention is capable of such a payment (or a small payment), it is possible to pay the prepayment using the account number associated with the payment of the usage fee of the mobile communication terminal 160.

Prepayment is not a fee payment (small payment) using a mobile communication terminal as described above, but a fee for use from a user (direct debit subscription customer) so that the fee can be paid when using the mobile communication terminal. Payment of payments required for electronic commerce using an account of a financial institution that can make direct debit, through a prepayment agreement process, especially at the time when the e-commerce is closed (within the next three days) Or withdrawal of payments made at the time of electronic commerce in the direct debit cycle of the mobile carrier.

More specifically, for example, the bill payment method in which prepayment is made according to the present invention, that is, the bill payment method by automatic transfer, the bill payment is made through a pre-debit account set for the terminal fee of the mobile communication terminal The fee can be designed to be settled or settled through a direct debit account set up for prepayment.

The user, the user terminal 105 or the mobile communication terminal 160 transmits the payment request and the user information of the prepayment to the merchant server 110 for the prepayment as described above.

Merchant server 110 receives the payment request and the user information from the mobile communication terminal (160). The affiliated server 110 refers to a server that can be transacted through electronic commerce. For example, the affiliated server 110 corresponds to a server such as an online store or an online game company.

In this case, the user information includes a name of a user who uses the mobile communication terminal, a social security number, a mobile communication terminal call number, and information of a registered mobile communication service provider.

Merchant server 110 transmits the payment request and the user information received in this way to the authentication server 120 side.

The authentication server 120 receives the payment request and the user information and transmits the authentication request of the user to the mobile service provider server 130 mapped to the received user information.

The mobile telecommunication service provider server 130 determines whether the small payment fee used by the user's mobile communication terminal exceeds a predetermined small payment limit in response to a user authentication request received from the authentication server 120. As a result of the determination, when the small payment limit is exceeded, the premise delivery guidance message is transmitted to the authentication server 120. At this time, generally, such a small payment limit is set at 30,000 won to 150,000 won per month. Such a small payment limit may be set by the user, but cannot be used beyond the one-month small payment limit.

The mobile service provider server 130 determines whether the small payment fee used by the user's mobile terminal exceeds the small payment limit as described above. If the determination result is exceeded the micropayment limit, the prepayment guidance message is transmitted to the authentication server 120 side.

The authentication server 120 receives the preliminary delivery guidance message such that it can be delivered to the mobile communication terminal 160 through the affiliate server 110 and the mobile communication network 150.

The mobile communication terminal 160 displays the received prepayment guidance message, so that the user can determine whether to select prepayment.

When the user transmits a decision signal for prepaid payment by referring to the prepaid delivery guide message through the mobile communication terminal 160, the mobile communication service provider server 130 receives a signal for prepaid payment decision.

The mobile service provider server 130 provides the authentication number to the mobile communication terminal 160 through the mobile communication network 150 in response to the received prepayment determination signal.

The user inputs the received authentication number through the user terminal 105, and the authentication number is transmitted to the mobile communication operator server 130 through the affiliate server 110 and the authentication server 120.

The mobile service provider server 130 determines whether the received authentication number is the correct authentication number.

In the case of the correct authentication number, the mobile telecommunication service provider server 130 requests the financial company server 140 to perform a prepaid payment using the account number associated with payment of the usage fee of the mobile communication terminal 160.

As another embodiment, a method of selecting a prepayment of a fare regardless of a small payment limit will be described below.

The user transmits user information for bill payment to the affiliated store server 110 by using the mobile communication terminal 160 capable of communicating through the user terminal 105 or the mobile communication network 150. In this case, information including whether the fee is prepaid may be transmitted together.

The affiliated store server 110 transmits the received user information and the premise payment decision to the authentication server 120. The authentication server 120 transmits the user authentication request signal including the user information and the prepayment determination signal to the mobile communication company operator server 130 based on the received prepayment determination signal.

The authentication server 130 receives the user authentication from the mobile service provider server 130 as a response to the user authentication request signal, and when the user authentication is performed, the mobile service provider server 130 sends the authentication number to the mobile communication network. Provided to the mobile communication terminal 160 through the 150.

The user inputs the received authentication number through the user terminal 105, and the authentication number is transmitted to the mobile communication operator server 130 through the affiliate server 110 and the authentication server 120.

The mobile service provider server 130 determines whether the received authentication number is the correct authentication number, and if the correct authentication number is the mobile service provider server 130 requests the financial company server 140 side, the mobile communication terminal Prepayment payment using the account number associated with payment of the usage fee of (160) is performed.

As described above, when the user information is transmitted using the user terminal 105 or the mobile communication terminal 160, it may be transmitted including whether the fee is prepaid, otherwise, whether the prepaid is simultaneously with the input of the authentication number. And to determine the prepayment determination signal may be configured to be transmitted to the authentication number input through the user terminal 105.

As described above, according to the present invention, when the prepaid payment is selected by the user or exceeds the micropayment limit through the mobile communication terminal, the prepaid payment using the account number related to the payment of the usage fee of the mobile communication terminal is possible, Even if payment is not made due to exceeding a small payment limit at the time of commerce, payment of payment amount is possible.

2 is a configuration diagram of an authentication server according to an example of the present invention.

As shown in FIG. 2, the authentication server according to the present invention includes a receiving unit 210, a prepaid payment determining unit 220, a transmitting unit 230, and the like.

The receiving unit 210 receives user information, receives a prepaid lead message from a mobile communication provider (mobile communication service provider server 130), and receives an authentication number from the mobile communication service provider server 130.

The prepaid payment means that a fee is paid through a financial account associated with a user's mobile communication terminal, and the user information includes a user's name, social security number, mobile communication terminal call number, and subscribed mobile information. It is configured to include the information of the carrier.

Prepayment determination unit 220 determines the prepayment according to the prepayment guidance message received by the receiver 120, and controls the received prepayment guidance message to be displayed on the mobile communication terminal. In addition, the prepayment determination unit 220 provides the received authentication number to the mobile communication terminal, and controls the prepayment to be performed when authentication is performed by inputting the authentication number.

The transmitter 230 transmits an authentication request of the user to the mobile communication service provider server mapped to the user information received by the receiver 210, and transmits a signal for prepayment determination to the mobile communication service provider server.

In addition, the receiver 210 receives a user authentication request signal including a prepaid lead determination signal mapped, and determines the user information and the prepaid lead based on the prepaid lead determination signal received by the prepaid lead determination unit 220. By controlling the transmitter 120 to transmit the user authentication request signal including the signal is mapped to the mobile communication company side, it can be configured to perform the prepayment regardless of whether the micropayment limit is exceeded.

On the contrary, the reception unit 210 receives a user authentication from the mobile communication service provider as a response to the user authentication request signal, and the reception unit 210 receives an authentication number including the prepayment determination signal mapped thereto, The prepayment determination unit 220 receives the authentication number included with the prepayment determination signal mapped to control the prepayment determination. That is, it is possible to determine prepayment when the user enters the authentication number.

Therefore, prepayment payment through the account number is possible at the discretion of the user.

3A is a diagram illustrating user information input according to an example of the present invention, and FIG. 3B is a diagram illustrating a prepaid lead message according to an example of the present invention.

As shown in FIG. 3A, a user may input user information through the user terminal 105. The input user information may include a call number 310 of a mobile communication terminal capable of prepaid payment or a small payment, a resident registration number 330 of a user of the mobile communication terminal 320, and the like.

The user inputs such user information so that it can be used as information for exceeding the micropayment limit and prepayment.

The authentication server 120 receives the prepayment guidance message when the determination result of the mobile communication service provider server 130 exceeds the small payment limit, and controls the received prepayment guidance message to be displayed on the mobile communication terminal. do.

As shown in FIG. 3B, the preliminary delivery guide message 340 may be displayed, and the user may determine whether or not to perform prepayment with reference to the displayed prepaid delivery guide message 340.

As such, when the user decides to perform the prepaid payment, the authentication server 120 transmits a signal for the prepaid payment decision to the mobile communication service provider server 130 and receives the authentication number from the mobile communication service provider server 130. To provide to the mobile communication terminal 160 side.

Therefore, the user can complete the authentication by performing the prepaid payment by entering the authentication number through the user terminal 105.

4A is a diagram illustrating input of user information according to another example of the present invention, FIG. 4B is a diagram illustrating input of an authentication number according to an example of the present invention, and FIG. 4C is a prepaid lead according to an example of the present invention. It is a figure which shows the payment completion guide.

As shown in FIG. 4A, according to another example of the present invention, it is possible to select whether to make a prepaid payment upon inputting user information.

That is, the user information input by the user includes the call number 410 of the mobile communication terminal capable of prepaid payment or micropayment, the resident registration number 430 of the mobile communication terminal user, etc. Selection 440 may be included and configured.

When the user decides to perform prepayment and maps it to user information, the authentication server 120 transmits a signal for prepayment determination to the mobile communication service provider server 130 and the mobile communication service provider server 130. Receive the authentication number using the short message service (SMS) from the mobile communication terminal 160 side.

Therefore, as shown in FIG. 4B, the user inputs the authentication number 450 through the user terminal 105, and the authentication number is a mobile communication service provider server through the affiliate server 110 and the authentication server 120. 130).

The mobile service provider server 130 determines whether the received authentication number is the correct authentication number, and if the correct authentication number is the mobile service provider server 130 requests the financial company server 140 side, the mobile communication terminal Prepayment payment using the account number associated with payment of the usage fee of (160) is performed.

When the payment is completed with such prepaid payment, the prepaid payment settlement message and the detailed payment history 460 are displayed as shown in FIG. 4C, and the user can confirm that the payment by the prepaid payment was successfully performed.

5 is a flowchart illustrating a control method of an authentication server according to an example of the present invention.

The authentication server 120 receives user information for bill payment from the user (S510), receives a payment request and user information, and requests the authentication of the user to the mobile service provider server 130 mapped to the received user information. It transmits (S520).

In this case, the user information includes a name of a user who uses the mobile communication terminal, a social security number, a mobile communication terminal call number, and information of a registered mobile communication service provider.

The mobile telecommunication service provider server 130 determines whether the small payment fee used by the user's mobile communication terminal exceeds a predetermined small payment limit in response to a user authentication request received from the authentication server 120. As a result of the determination, when the small payment limit is exceeded, the premise delivery guide message is transmitted to the authentication server 120, and the authentication server 120 receives the prepayment guide message to the mobile communication terminal 160 or the user terminal 105. Transmit to the side (S530).

Therefore, when the user determines the prepaid lead performance by referring to the prepaid lead guide message through the mobile communication terminal 160 (S540) and transmits the prepaid lead determination signal, the mobile communication service provider server 130 prepays the prepaid lead. Receive a signal for a decision.

The mobile communication service provider server 130 provides the authentication number to the mobile communication terminal 160 through the mobile communication network 150 in response to the received prepaid decision signal.

The user receives the authentication number through the mobile communication terminal 105 (S550), and inputs the received authentication number through the user terminal 105, the authentication number through the merchant server 110 and the authentication server 120 It is delivered to the mobile operator server 130.

Subsequently, the mobile service provider server 130 determines whether the received authentication number is the correct authentication number, and if the correct authentication number, the mobile communication service provider server 130 requests the financial company server 140 to move. Prepayment payment is performed using the account number associated with payment of the usage fee of the communication terminal 160.

6 is a flowchart illustrating a control method of an authentication server according to another exemplary embodiment of the present invention.

The user transmits user information for bill payment to the affiliated server server 110 using the mobile communication terminal 160 capable of communication through the user terminal 105 or the mobile communication network 150, and includes the prepaid payment of the fee. Send information together.

The affiliated store server 110 transmits the received user information and the prepaid payment decision to the authentication server 120, and the authentication server 120 receives the user information and the prepaid payment decision (S610). The authentication server 120 transmits a user authentication request signal including the user information and the prepaid decision signal to the mobile communication company operator server 130 based on the received prepaid decision signal (S620).

The authentication server 130 receives the user authentication from the mobile service provider server 130 as a response to the user authentication request signal (S630), and if the user authentication is performed, the mobile service provider server 130 is an authentication number. Provided to the mobile communication terminal 160 through the mobile communication network 150 (S640).

The user inputs the received authentication number through the user terminal 105, and the authentication number is transmitted to the mobile communication operator server 130 through the affiliate server 110 and the authentication server 120.

The mobile service provider server 130 determines whether the received authentication number is the correct authentication number, and if the correct authentication number is the mobile service provider server 130 requests the financial company server 140 side, the mobile communication terminal Prepayment payment is performed using the account number associated with the payment of the fee (S650) (S650).

7 is a flowchart illustrating a control method of an authentication server according to another exemplary embodiment of the present invention.

The user transmits user information for bill payment to the affiliated store server 110 by using the mobile communication terminal 160 capable of communicating through the user terminal 105 or the mobile communication network 150.

The affiliated store server 110 transmits the received user information and the prerequisite payment decision to the authentication server 120, and the authentication server 120 receives the user information (S710). The authentication server 120 transmits the user authentication request signal including the user information and the prepayment determination signal to the mobile communication company operator server 130 based on the received prepayment determination signal (S720).

The authentication server 130 receives the user authentication from the mobile service provider server 130 as a response to the user authentication request signal (S730), and if the user authentication is performed, the mobile service provider server 130 is an authentication number. Is provided to the mobile communication terminal 160 through the mobile communication network 150 (S740).

The user may input the received authentication number and prepayment determination signal through the user terminal 105, in which case the prepayment determination signal may be mapped to and included in the authentication number.

The authentication number and the prepaid lead determination signal (or the authentication number including the prepaid lead determination signal mapped) are transmitted to the mobile communication operator server 130 through the affiliate store server 110 and the authentication server 120.

The mobile service provider server 130 determines whether the received authentication number is the correct authentication number. If the correct authentication number is the correct communication number, the mobile communication service provider server 130 determines the financial company server 140 by the prepaid decision signal. Request to the side, the prepayment payment is performed using the account number associated with payment of the usage fee of the mobile communication terminal 160 (S750).

As such, when the prepaid payment is selected by the user or exceeds the micropayment limit through the mobile communication terminal, the prepaid payment using the account number associated with the payment of the usage fee of the mobile communication terminal is possible.

For reference, in the present specification, a "mobile communication terminal" refers to a PDC (Personal Digital Cellular) phone, a PCS (Personal Communication Service) phone, a PHS (Personal Handyphone System) phone, a CDMA-2000 (1X, 3X) phone, WCDMA ( Wideband CDMA phone, Dual Band / Dual Mode phone, Global Standard for Mobile (GSM) phone, Mobile Broadband System (MBS) phone, Digital Multimedia Broadcasting (DMB) phone, Smart phone, Handheld devices that may include communication functions such as mobile phones, personal digital assistants (PDAs), hand-held PCs, notebook computers, laptop computers, WiBro terminals, MP3 players, MD players, etc. And a portable electric and electronic device for all kinds of handheld-based wireless communication devices including an international roaming service and an international mobile telecommunication-2000 (IMT-2000) terminal that provides an extended mobile communication service. , Code Divisi (CDMA) certain devices such as wireless communication devices with GPS chips to enable location tracking via on multiplexing access modules, Bluetooth modules, infrared data associations, wired and wireless LAN cards, and global positioning systems (GPS) It can be provided with a communication module of, and is equipped with a microprocessor capable of performing a multimedia playback function is interpreted as a concept that collectively refers to a terminal capable of performing a certain operation.

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, when the prepaid payment is selected by the user or exceeds the micropayment limit through the mobile communication terminal, the user, that is, the debit subscription customer during the process of micropayment through the mobile communication terminal, After the prepayment (prepayment) consent process, the amount paid according to the next day or by the carrier's automatic payment cycle is withdrawn, which is convenient even when the payment is not made due to exceeding the micropayment limit during commerce via the Internet. Prepayment fee payment is possible.

In addition, according to the present invention, it is possible to improve the convenience of small payments using a mobile communication terminal, payment by prepayment (small payments) can shorten the settlement period to save costs according to the interest rate interest rate, As it does not expose the user's personal and financial information, security stability can be improved, and since payment is made by bank transfer, tax benefits can be obtained according to proof of consumption.

In addition, according to the present invention, the convenience of fee payment is increased, thereby improving the payment success rate, thereby contributing to the improvement of sales of operators and merchants, and thus reducing the fee incurred in the micro payment service using the mobile communication terminal. There is an advantage to reduce the administrative cost.

In addition, according to the present invention, it is possible to secure a comparative advantage not only with online commerce but also with payment by credit card during offline commerce, and to increase profits by expanding the scale of the micro payment market.

As described above, the present invention has been described by way of limited embodiments and drawings, but the present invention is not limited to the above-described embodiments, which can be variously modified and modified by those skilled in the art to which the present invention pertains. Modifications are possible. Accordingly, the spirit of the present invention should be understood only by the claims set forth below, and all equivalent or equivalent modifications thereof will belong to the scope of the present invention.

Claims (21)

In the control method of the authentication server to authenticate the user of the mobile terminal to enable payment by the automatic transfer of the mobile terminal, Receiving user information for bill payment from a user; Transmitting an authentication request of the user to a mobile service provider server mapped to the received user information; Receiving a prepayment guidance message when the micropayment fee used in the mobile communication terminal exceeds the micropayment limit as a result of the determination of the mobile communication service provider server according to the user authentication request; Determining prepayment according to the received prepayment guidance message; And Transmitting a signal for determining the prepaid payment to the mobile communication service provider server side and receiving an authentication number from the mobile communication service provider server side; Control method of the authentication server comprising a. The method of claim 1, Controlling the received prepayment guidance message to be displayed on the mobile communication terminal; Control method of the authentication server, characterized in that it further comprises. The method of claim 1, Providing the received authentication number to the mobile communication terminal side, if the authentication by the authentication number is performed, prepayment is performed Control method of the authentication server, characterized in that it further comprises. The method of claim 3, Said prepayment, And a fee is paid through a financial account associated with the user mobile communication terminal. The method of claim 1, The user information, The control method of the authentication server, characterized in that it comprises at least one of the name of the user of the mobile communication terminal, social security number, the mobile communication terminal call number and the information of the registered mobile communication provider. In the control method of the authentication server to authenticate the user of the mobile terminal to enable payment by the automatic transfer of the mobile terminal, Receiving user information and a prepaid payment determination signal for payment of a fee from a user; Transmitting a user authentication request signal including the user information and the prepayment determination signal mapped to the mobile communication company based on the received prepayment determination signal; Receiving whether to authenticate a user as a response to the user authentication request signal; Transmitting an authentication number to the mobile communication terminal when user authentication is performed according to the reception result; And Controlling the prepayment by receiving the authentication number from a predetermined user terminal; Control method of the authentication server comprising a. The method of claim 6, Said prepayment, And a fee is paid through a financial account associated with the user mobile communication terminal. The method of claim 6, The user information, The control method of the authentication server, characterized in that it comprises at least one of the name of the user of the mobile communication terminal, social security number, the mobile communication terminal call number and the information of the registered mobile communication provider. In the control method of the authentication server to authenticate the user of the mobile terminal to enable payment by the automatic transfer of the mobile terminal, Receiving user information for bill payment from a user; Transmitting a user authentication request signal to a specific mobile communication company; Receiving whether to authenticate a user as a response to the user authentication request signal; Transmitting an authentication number to the mobile communication terminal when user authentication is performed according to the reception result; Receiving the authentication number and prepayment determination signal from a predetermined user terminal; And Controlling prepayment according to the received prepayment determination signal; Control method of the authentication server comprising a. The method of claim 9, Controlling the prepayment determination by receiving the authentication number including the prepayment determination signal mapped thereto; Control method of the authentication server, characterized in that it further comprises. The method of claim 9, Controlling the received prepayment guidance message to be displayed on the mobile communication terminal; Control method of the authentication server, characterized in that it further comprises. The method of claim 9, The user information, The control method of the authentication server, characterized in that it comprises at least one of the name of the user of the mobile terminal, the social security number, the mobile communication terminal call number and the information of the subscribed mobile communication provider. The method according to any one of claims 1, 6 and 9, Bill payment by the direct debit, Payment is made through a pre-set direct debit account for the terminal fee of the mobile communication terminal, or Control method of the authentication server, characterized in that the bill payment is made through a separate direct transfer account for prepayment. An authentication server for authenticating a user of a mobile communication terminal to enable payment by a direct transfer of a mobile communication terminal, A transmitter for transmitting an authentication request of the user to a mobile service provider server mapped to the received user information; When the user information used for the user authentication request of the transmitting unit is received, and the determination result of the mobile communication service provider server according to the user authentication request indicates that the small payment fee used by the mobile communication terminal exceeds the small payment limit, prepaid payment guide Receiving unit for receiving a message; And Prepayment determination unit for determining prepayment according to the received prepayment guidance message Including, The transmitting unit, Transmitting a signal for determining the prepayment to the mobile communication server, The receiving unit, Authentication server, characterized in that for receiving the authentication number from the mobile communication operator server side. The method of claim 14, The prepayment determination unit, Authentication server, characterized in that for controlling to display the received prepayment guidance message on the mobile communication terminal. The method of claim 14, The prepayment determination unit, Providing the received authentication number to the mobile communication terminal, when the authentication by the authentication number is performed, the authentication server, characterized in that the control to perform the prepayment. The method of claim 14, Said prepayment, And a fee is paid through a financial account associated with the user mobile communication terminal. The method of claim 14, The user information, Authentication server, characterized in that it comprises at least one of the name of the user of the mobile terminal, social security number, mobile communication terminal call number and the information of the registered mobile communication service provider. In the control method of the authentication server to authenticate the user of the mobile terminal to enable payment by the automatic transfer of the mobile terminal, Receiving unit for receiving the user information for the bill payment and prepayment determination signal from the user; And A transmitter for transmitting a user authentication request signal including the user information and the prepaid lead determination signal mapped to the mobile communication company based on the prepaid lead determination signal received by the receiver; Including, The receiving unit, Receive user authentication as a response to the user authentication request signal, The transmitting unit, When the user authentication is made according to the reception result, characterized in that for transmitting the authentication number to the mobile communication terminal side, Prepayment determination unit that receives the authentication number from a predetermined user terminal to control the prepayment determination Control method of the authentication server, characterized in that it further comprises. In the control method of the authentication server to authenticate the user of the mobile terminal to enable payment by the automatic transfer of the mobile terminal, Receiving unit for receiving user information for bill payment from the user; And Transmitter for transmitting the user authentication request signal to a specific carrier Including; The receiver receives a user authentication as a response to the user authentication request signal, The transmitter transmits an authentication number to the mobile communication terminal when user authentication is performed according to the reception result. The receiving unit receives the authentication number and prepayment determination signal from a predetermined user terminal, Prepayment determination unit that controls the prepayment determination according to the received prepayment determination signal Authentication server, characterized in that it further comprises. The method according to any one of claims 14, 19 and 20, Bill payment by the direct debit, Payment is made through a pre-set direct debit account for the terminal fee of the mobile communication terminal, or Authentication server, characterized in that the bill payment is made through a separate direct transfer account for prepayment.

Images