KR20100136039A - System and method for processing mobile phone's small sum of money settlement using question/answer interface - Google Patents

Abstract

PURPOSE: A system and a method for processing mobile phone's small sum of money settlement using a question/answer interface are provided to supply a small-sum phone bill payment service by authenticating a payment code received from a mobile phone when a program prepared in the mobile phone is driven and an authentication number is transmitted to a server. CONSTITUTION: A payment system(100) includes the followings. An interface providing unit(105) generates a mobile phone payment interface. The generated mobile phone payment interface is provided to a user terminal(155), and then an information receiving unit(110) receives payment request information. If the mobile phone number information and the answer information are received through a mobile phone payment interface, the validity for the received answer information is authenticated. If the validity for the received answer information is confirmed, the authentication number information to be transmitted to the received mobile phone number is generated.

Description

System and Method for Processing Mobile Phone's small sum of money Settlement using Question / Answer Interface}

1 is a diagram illustrating a payment system configuration for providing a mobile phone payment service according to an embodiment of the present invention.

2 is a diagram illustrating an operation process between a user terminal and a payment system in order to provide a mobile phone payment service according to an embodiment of the present invention.

3 is a diagram illustrating an operation process of a payment system for providing a mobile phone payment service according to an embodiment of the present invention.

<Description of main parts of drawing>

100: payment system 105: interface providing means

110: information receiving means 115: authentication processing means

120: payment verification means 125: information generating means

130: payment approval processing means 135: information providing means

140: information confirmation means 145: storage medium

150: communication company server 155: user terminal

The present invention provides a user interface for inputting (or selecting) answer information to a question pre-registered by a user other than a mobile phone number from a user terminal to use a phone bill micropayment service, and inputting (or selecting) through the user interface. After receiving and authenticating the response information, by generating an authentication number and transmitting it to the mobile phone number, to overcome the problem that the illegal use of the phone bill micropayment can occur when the mobile phone device is lost.

In general, in the case of the phone bill micropayment currently in service, a customer requesting payment enters a mobile phone number and social security number through a UI (User Interface) output to the terminal and sends it to the server. The SMS (Short Message Service) text message containing the code is transmitted, and the customer who confirms the text message enters the payment code through the terminal and transmits it to the server, and uses the Vonville micropayment service.

And, the method for the phone bill micropayment service, such as registered Patent No. 10-0344114, when entering the mobile phone number and the user's authentication number (ie, social security number) through the user terminal (PC) to the server, the authentication number A service for generating a text message to a mobile phone number, receiving an authentication information input by the user who has confirmed the authentication number through the user terminal, and processing payment after authentication is provided.

However, if a user loses a mobile phone, finds a social security number for a mobile phone owner acquired by a user who has lost a mobile phone, and uses a phone bill micropayment service, there is no way to solve this problem.

For this reason, there is a need for a method to solve the exploitation problem of the Phoneville micropayment service caused by the loss of the mobile phone, which leads to the financial loss of the owner of the mobile phone resulting from the abuse of the Phoneville micropayment service. This will adversely affect the activation of the Vonville micropayment service.

The present invention is to provide a method and system for solving the financial loss for the owner of the mobile phone caused by the abuse of the phone bill micropayment service due to the loss of the mobile phone, and a server and a program recording medium therefor.

Cell phone micropayment processing method using the question / answer interface according to the present invention, a mobile phone payment interface for inputting (or selecting) the mobile phone number information and the answer information to the user pre-registered questions to the user terminal is provided, the mobile phone The first authentication step of authenticating the validity of the received answer information when the mobile number information and answer information input (or selected) through the payment interface is received, and if the validity of the received answer information is confirmed, Generating authentication number information to be transmitted to the received mobile phone number, transmitting the generated authentication number information to the mobile phone number, driving the program included in the mobile phone to check the authentication number information, and When the confirmed authentication number information is received, the received authentication number information and the raw The second authentication step of authenticating the mutual matching of the authentication number information, and if the received authentication number information and the generated authentication number information is matched, the payment amount requested by the user through the communication fee for the mobile phone number payment Characterized in that it comprises a payment processing step of processing if possible.

Cell phone micropayment processing method using the question / answer interface according to the invention is characterized in that it further comprises a subscriber authentication step of authenticating the subscriber to the mobile phone number in connection with the carrier server.

Mobile phone micropayment processing method using the question / answer interface according to the present invention, check the payment limit information for the mobile phone number in connection with the carrier server, whether the user requested payment amount exceeds the above checkable payment limit; Characterized in that it further comprises the step of confirming.

Mobile phone micropayment processing method using the question / answer interface according to the present invention, when transmitting the generated authentication number information to the mobile phone number, characterized in that the transmission using a text message service-short message service or multimedia message service- It is done.

In the mobile phone micropayment processing method using the question / answer interface according to the present invention, the program for confirming the authentication number information provided in the mobile phone, is driven by receiving the drive information, or input the password (or Optional), and authenticates the password entered by the user.

On the other hand, the mobile phone micropayment processing system using the question / answer interface according to the present invention, a storage medium for connecting the user's mobile phone number and the pre-registered question information and the answer information, and the storage medium or operating the storage medium Means for processing the user information corresponding to the user's mobile phone number received from the communication network through the server to pre-register the question information, and to output the question information and the answer input area pre-registered by the identified user to the mobile phone payment interface; When the response information output on the interface is received through the communication network, the validity of the response information is confirmed through the storage medium or the server operating the storage medium, and if the validity of the response information is confirmed, the authentication information is transmitted to the user's mobile phone. Means for processing to be transmitted, and provided in the mobile phone Means for verifying the authentication number information by driving a programmed program and verifying mutual matching between the received authentication number information and the generated authentication number information when the confirmed authentication number information is received from the mobile phone. Characterized in that made.

Hereinafter, with reference to the accompanying drawings and description will be described in detail the operating principle of the preferred embodiment of the present invention. However, the drawings and the following description shown below are for the preferred method among various methods for effectively explaining the features of the present invention, the present invention is not limited only to the drawings and description below. In addition, in the following description of the present invention, if it is determined that a detailed description of a related known function or configuration may unnecessarily obscure the subject matter of the present invention, the detailed description thereof will be omitted. In addition, terms to be described below are terms defined in consideration of functions in the present invention, which may vary according to a user's or operator's intention or custom. Therefore, the definition should be made based on the contents throughout the present invention.

In addition, preferred embodiments of the present invention to be carried out below are provided in each system functional configuration to efficiently describe the technical components constituting the present invention, or system functions that are commonly provided in the technical field to which the present invention belongs. The configuration will be omitted, and described mainly on the functional configuration to be additionally provided for the present invention. If those skilled in the art to which the present invention pertains, it will be able to easily understand the function of the components that are conventionally used among the omitted functional configuration not shown below, and also the configuration omitted as described above The relationship between the elements and the components added for the present invention will also be clearly understood.

In addition, the following examples will be used to appropriately modify the terms so that those skilled in the art to clearly understand the technical features of the present invention to effectively understand, but the present invention It is by no means limited.

As a result, the technical spirit of the present invention is determined by the claims, and the following examples are one means for efficiently explaining the technical spirit of the present invention to those skilled in the art to which the present invention pertains. It is only.

1 is a diagram showing the configuration of a payment system 100 for providing a mobile phone payment service according to an embodiment of the present invention.

In more detail, FIG. 1 shows that one or more users purchase goods through an internet shopping mall, pay after using one or more services through a server on the Internet that provides one or more services, or one or more services through a medical institution. After using, request a mobile phone payment service, provide a mobile phone payment interface including one or more input (or selection) interface corresponding thereto, and the mobile phone number information and answer that is input (or selected) through the mobile phone payment interface Receiving payment request information including one or more information, payment authentication information, payment merchant information and payment amount information, as a configuration of the payment system 100 for providing a mobile phone payment service based on the received payment request information Ordinary art in the art to which the present invention belongs Those of expression, will be able to use this figure one can infer a range of exemplary methods for the billing system 100 for providing the mobile payment services, to which the present invention is not limited.

For example, one of ordinary skill in the art to which the present invention pertains may be provided in a single server incorporating one or more servers provided on the payment system 100 by referring to and / or modifying the drawing 1 or a plurality of the present invention. It is possible to infer the implementation method provided in the two servers, whereby the present invention is not limited.

In addition, if the person skilled in the art to which the present invention pertains, the payment system 100 is provided in the communication company server 150, or modified on the shopping mall server by referring to and / or modifying the present Figure 1 The method may be inferred, and the present invention is not limited thereto.

Referring to FIG. 1, the customer management D / B provided at the carrier server 150 side includes customer information subscribed to a communication company, mobile phone number information of the customer, payment limit information for the mobile phone number, and payment. Characterized in that the authentication information is connected and stored.

According to the method of the present invention, the customer information is the personal information, such as name, resident registration number, address, home phone number, etc. for the customer provided to the communication company when the customer registered for the mobile phone number to the communication company, Preferably, the service information includes at least one or more account information (or credit card information) for payment of a communication fee generated when the service is provided.

According to an embodiment of the present invention, the mobile phone number information preferably comprises one or more telephone numbers provided to a mobile phone held by a subscriber for one or more subscribers subscribed to a telecommunication company.

In addition, the mobile phone number information is customer rating information assigned to the mobile phone number and subscriber information (for example, customer name, social security number, address, telephone number, communication fee payment method, communication charge automatic transfer account number / card number, subscriber Information) and one or more points information assigned to the mobile phone number.

According to the exemplary embodiment of the present invention, the payment limit information may include payment limit information that can be paid when using a mobile payment service through the mobile number.

Here, the limit amount may be a limit amount given by the customer grade for the mobile phone number, or may be a limit amount granted according to a subscription period, or a limit amount collectively granted, and a communication fee according to the use of a mobile phone. It may be overdue or the amount reflected by the third party's credit status to the customer.

According to an embodiment of the present invention, the payment authentication information is set by the subscriber to use the subscriber's social security number information for one or more subscribers subscribed to the carrier or the subscriber-specific mobile phone payment service for one or more subscribers subscribed to the carrier. Or, it is preferable to include one or more password information arbitrarily set by the carrier, the password information may be a one-time password (that is, One Time Password (OTP)) according to the intention and purpose of those skilled in the art.

Alternatively, the payment authentication information is a server subscribed to the telecommunications company to request the purchase of goods through the server on the Internet, or to request the payment of payments generated when a request to use the service (or use the service), the server on the Internet One-time temporary password generated by can also be used as payment authentication information.

Referring to FIG. 1, the payment system 100 purchases a product provided by one or more servers on the Internet or uses a service through a user terminal 155, and uses a payment amount (or service) according to the purchase of the product. In the case of requesting payment through a mobile payment service, in response to this request, enter payment request information including at least one of mobile phone number information, answer information, payment authentication information, payment merchant information, and payment amount information ( Or an interface providing means 105 for providing a mobile phone payment interface for selection).

According to an embodiment of the present invention, the mobile payment interface, the mobile phone payment information for the user requesting the mobile payment service payment information and payment authentication information for providing a mobile payment service through the mobile phone number; It is preferable that a window (or area) for inputting the payment request information including one or more.

In addition, the mobile phone payment interface purchases a product or uses a service through one or more servers on the Internet through the user terminal 155, and the mobile phone payment of the payment amount (or payment amount according to the use of the service) of the product purchase And a window (or area) for inputting (or selecting) payment merchant information for the merchant requesting payment through the service and payment request information including one or more payment amount information to be paid through the payment merchant. Preferably, one or more of the payment merchant information and the payment amount information may be automatically input according to the intention and purpose of those skilled in the art.

In addition, the mobile phone payment interface corresponds to a window (or area) for outputting question information preset by the user to provide a secure payment service for the user requesting the mobile phone payment service, and corresponding to the output question information. It is preferable that a window (or area) for inputting (or selecting) answer information is provided.

According to an embodiment of the present invention, the mobile phone payment interface purchases a product or uses a service using a shopping mall service provided by one or more servers on the Internet through the user terminal 155, and the payment amount according to the purchase of the product. In order to request a payment through a mobile phone payment service (or a payment amount using a service), it is preferable to generate a payment server requesting a payment from a server (eg, a shopping mall server or a content providing server) on the Internet. The generated mobile phone payment interface is provided to the user terminal 155.

Here, the payment server may be a carrier server 150 or a carrier server 150, by which the present invention is not limited.

According to another exemplary embodiment of the present invention, the mobile phone payment interface purchases a product or uses a service using a shopping mall service provided by one or more servers on the Internet through the user terminal 155, and pays according to the purchase of the product. In order to request an amount of payment (or a payment amount according to the use of a service) through a mobile payment service, it is preferable to generate a server (eg, a shopping mall server or a content providing server, etc.) on the Internet. Is provided to the user terminal 155.

Referring to FIG. 1, the payment system 100 generates a mobile phone payment interface through the interface providing means 105, provides the generated mobile phone payment interface to the user terminal 155, and then provides the provided mobile phone. And information receiving means 110 for receiving payment request information including one or more mobile number information, answer information, payment authentication information, payment merchant information, and payment amount information, which are input (or selected) through the payment interface. It features.

According to the exemplary embodiment of the present invention, the mobile phone number information is purchased through a user terminal 155 using a shopping mall service provided by a server on one or more Internet or using a service, and payment according to the purchase of the product. When a payment is requested through a mobile phone payment service, the requested payment amount is preferably made to include the target mobile phone number to be charged, and according to the intention and purpose of those skilled in the art, the mobile phone number is It is preferable that the communication service provider further includes subscription information.

According to an exemplary embodiment of the present invention, the answer information may be purchased by using a shopping mall service provided by one or more servers on the Internet through the user terminal 155 or by using a service, and the payment amount according to the purchase of the product ( Or a payment amount according to the use of a service) through a mobile phone payment service, the user preferably includes information corresponding to the question information registered in advance.

According to the exemplary embodiment of the present invention, the payment authentication information may be purchased using a shopping mall service provided by at least one server on the Internet through a user terminal 155 or using a service, and the payment amount according to the purchase of the product. When the payment request is made through the mobile payment service (or the payment amount according to the use of the service), it is preferable to include the social security number of the user who requested the payment through the mobile payment service.

According to another exemplary embodiment of the present invention, the payment authentication information is used to purchase a product or use a service provided by a shopping mall service provided by at least one server on the Internet through the user terminal 155, and pay according to the purchase of the product. When a payment request is made through the mobile payment service, the password (ie, a user-specified password, or a carrier, payment merchant, or mobile payment service provider) is requested. Passwords set in at least one).

Here, according to the intention and purpose of those skilled in the art, the payment authentication information may include both the resident registration number and the password of the user who requested the payment through the mobile phone payment service.

According to an exemplary embodiment of the present invention, the payment merchant information may be used to purchase a product or use a service using a shopping mall service provided by at least one server on the Internet through the user terminal 155, and the payment amount according to the purchase of the product. Request payment through the mobile payment service, and after the payment is completed through the mobile payment service, including the merchant information to which the payment is made through the mobile payment service; It is preferable to make.

According to an exemplary embodiment of the present invention, the payment amount information may use a payment amount or a service for purchasing a product using a shopping mall service provided by one or more servers on the Internet through the user terminal 155, or according to a use request. It is preferable to include the settlement amount.

Referring to FIG. 1, the payment system 100 inputs payment request information including one or more mobile phone number information, answer information, payment authentication information, payment merchant information, and payment amount information through the output mobile phone payment interface. (Or selected), and when the input (or selected) payment request information is transmitted from the user terminal 155, the payment request information transmitted from the user terminal 155 is received to receive the response information and payment authentication information. It is characterized by comprising an authentication processing means 115 for authentication processing.

According to the method of the present invention, the user authentication requesting the payment, by checking whether the response information of the information included in the payment request information is matched with the response information stored in the storage medium 145, the payment is made It is preferable to authenticate the requested user, and the answer information is preferably answer information corresponding to the question information output through the mobile phone payment interface provided to the user terminal 155.

Or, the user authentication requesting the payment, by checking whether the payment authentication information of the information included in the payment request information is matched with the payment authentication information stored in the storage medium 145, the user who requested the payment It is desirable to authenticate.

Here, the storage medium 145 is provided on the payment system 100, or provided on the carrier server 150 connected to the payment system 100 through a communication network, or with the payment system 100 It is preferably provided on a shopping mall server (or service providing server) connected through a communication network and requesting payment to the payment system 100.

Referring to FIG. 1, when the authentication for the user who requested the payment is completed (that is, the authentication of the subscriber of the telecommunication company is completed), the payment system 100 pays the amount requested by the user through the mobile number. And payment verification confirmation means 120 for checking whether the payment is possible, and information generation means 125 for generating authentication information to be transmitted to the mobile phone number of the user when it is confirmed that payment is possible in response to the verification result. Characterized in that made.

In addition, the payment system 100, the authentication of the user who requested the payment is completed, and after confirming whether or not the payment is possible for the payment amount requested by the user, if the authentication information to be transmitted to the mobile phone number of the user is generated And an information transmission means for transmitting the generated authentication information to the mobile phone number.

In addition, the payment system 100, if the authentication for the user who requested the payment is completed (that is, the authentication of the subscriber of the carrier is completed), and if it is confirmed whether the payment for the payment amount requested by the user, the And an interface providing means 105 for providing a payment approval input interface for inputting (or selecting) authentication information for payment approval for the amount requested by the user for payment through a mobile phone number.

The payment authentication means checks whether the payment of the amount requested by the user is possible through the user's mobile phone when authentication of the user who requested the payment is completed (that is, authentication of the subscriber of the telecommunication company is completed). It features.

According to the method of the present invention, whether the payment of the amount requested by the user is possible to check whether the amount of payment included in the received payment request information exceeds the payment limit provided by the communication company server 150. By checking whether or not, it is preferable to check whether payment of the amount requested by the user is possible.

Here, the user's payable limit may be limited by checking the overdue history of the user's mobile phone number.

In addition, the user's payment limit may be limited to other mobile phone numbers or other companies (eg, financial institutions or other telecommunications companies) by checking the overdue history in addition to the mobile phone number of the user.

According to another exemplary embodiment of the present invention, whether the payment of the amount requested by the user can be made is possible, the payment amount included in the received payment request information stored on a database provided in the payment system 100. It is preferable to check whether or not the amount of money requested by the user can be settled by checking whether the amount exceeds the possible limit.

For example, when a user intends to pay a payment amount of 100,000 won using a mobile phone payment service, if the payment limit provided by the telecommunication company server 150 is less than 100,000 won, the user pays for the amount requested for payment. When it is confirmed that the possible, and the payable limit stored in the storage medium 145 is less than 100,000 won, it is preferable to check that the payment of the amount requested by the user is impossible.

The information generating unit 125 generates authentication information to be transmitted to the mobile phone number of the user when it is confirmed that the payment for the payment amount requested by the user is possible, and the generated authentication information is The information is provided to the mobile phone number through the means 135.

According to an embodiment of the present invention, the authentication information is preferably information generated by a server (or system) on the Internet (for example, a payment server or a carrier server 150 or a shopping mall server).

Here, the authentication information preferably includes one-time password (or predetermined password) information to be transmitted to the mobile phone number of the information included in the payment request information.

According to another exemplary embodiment of the present invention, the authentication information may be generated through a program mounted on the mobile phone device, and the authentication information may be authentication information generated based on a specific value shared between the program and the server. Do.

According to another exemplary embodiment of the present invention, the authentication information generates a part of the mobile phone to which the user is assigned a mobile phone number to be used for the mobile phone payment service, a server (or system) on the Internet, and a mobile phone, and exchanges them for final confirmation. It is preferable that the authentication information.

For example, after transmitting some authentication information generated by the mobile phone to a server on the Internet, receiving and authenticating some authentication information from the server on the Internet, and then rest of the rest based on the authenticated partial authentication information (or other predetermined information). Preferably, the authentication information is generated by transmitting authentication information to a mobile phone number (ie, the mobile phone).

Alternatively, some authentication information generated by a server on the Internet is transmitted to a mobile phone, and after receiving and authenticating the generated partial authentication information from the mobile phone, the rest based on the authenticated partial authentication information (or separate predetermined information). Preferably, the authentication information is generated by transmitting some authentication information to a mobile phone number (ie, the mobile phone).

Here, the authentication information is included in a text message (for example, a Short Message Service (SMS) or a Multimedia Message Service (MMS)) from a server on the Internet, or includes a Callback Uniform Resource Locator (URL) for verifying authentication information. After transmitting the text mesh, it is preferable to provide it through a mobile web page (or web page) accessed through the callback URL.

Alternatively, the authentication information may be output by driving a program for outputting authentication information provided in the mobile phone, and the program for outputting authentication information is automatically received when a text message (or data) including the authentication information is received. Or is executed by checking whether the program is executed, or when the user inputs (or selects) payment request information (or selects) to drive a program for outputting the authentication information, or outputs the authentication information. When driving the program, it is preferable to be driven through password (or secret code) authentication, and in the case of driving and outputting the program, it is preferable to be encrypted and transmitted.

The program for outputting the authentication information may be driven by receiving drive information for driving the program, authenticating the received program drive information, or after the program is driven, before the output of the authentication information (ie It is preferable to request and receive an input of a password, and to authenticate and output authentication information.

Those skilled in the art will be familiar with the technical features of the method or process for generating authentication information to be transmitted to the mobile phone number, so a detailed description thereof will be omitted.

Referring to Figure 1, the payment system 100, after providing the authentication information to the mobile phone number, the information receiving means for receiving the authentication information when the authentication information is retransmitted from the mobile phone confirming the authentication information ( 110, payment approval processing means 130 for authenticating the received authentication information to be processed through the communication fee for the mobile phone number requested by the user, and payment processing is completed through the mobile phone payment service requested by the user. When the payment processing is completed, the payment processing is completed through the information providing means 135 for providing the result of the payment processing to the user terminal 155 (or the mobile number requested by the user) and the mobile payment service requested by the user. When the user stores the information stored in the payment history D / B the payment processing result according to the payment processing completed through the mobile payment service requested by the user Characterized in that formed by including a stage.

The information receiving means 110, after providing the authentication information to the mobile phone number, and retransmitting the in the mobile phone confirming the authentication information, characterized in that for receiving the.

According to an embodiment of the present invention, the received is transmitted automatically (or inputted (or selected) by the user) from a program for output (or confirmation) driven through a text message (or data) provided to the mobile number. Is preferably.

The payment approval processing means 130 checks the mutual matching between the received through the information receiving means 110 and generated by the information generating means 125, characterized in that to provide a mobile phone payment service. .

According to the exemplary embodiment of the present invention, the mobile payment service provided by the user may check whether the received and the generated mutual matches, and if the mutual match is specified, the user specifies a payment amount requested by the user. It is desirable to process the mobile phone number to be charged (or separately) to the communication fee.

According to another embodiment of the present invention, the mobile payment service provided using the received, checks whether the received and the generated mutual matching, and if the mutual matching the payment amount requested by the user to the mobile number It is preferable to process the first payment using a part (or all) of the points, and process the remaining amount to be charged (or separately) to the communication fee for the mobile number designated by the user.

When the payment processing is completed through the mobile payment service requested by the user, the information providing means 135 displays the payment processing result according to the completion of the payment processing through the mobile payment service requested by the user. The mobile phone number that requested the payment) is characterized in that it is provided.

According to an embodiment of the present invention, the payment processing result when the user completes the payment processing through the mobile phone payment service includes the payment processing result and is preferably provided through a text message to the mobile phone number of the user.

Here, the payment processing result is the payment amount requested by the user, the communication fee to be billed (ie, billing in January, February billing, etc.), fee costs incurred in accordance with the provision of the mobile phone payment service (intention and It is preferable to include one or more of a tax fee (for example, VAT, etc.) or a fee, depending on the purpose.

The information storing means may store the payment processing result according to the payment processing completion through the mobile payment service requested by the user in the payment history D / B when the payment processing is completed through the mobile payment service requested by the user.

According to an embodiment of the present invention, the payment processing result information may include mobile phone number information used for a mobile phone payment service, date and time information using a mobile phone payment service, payment amount information, and at least one payment merchant information. It is preferable to comprise a.

Referring to Figure 1, the payment system 100, if the mobile phone bill payment is not made for a certain period after the mobile phone payment service is provided through the mobile phone number (for example, if the communication fee is overdue for a certain period) And an information providing means 135 for requesting payment of a payment fee for a mobile payment service provided through the mobile number.

According to an embodiment of the present invention, when a communication fee including a payment fee paid through the mobile payment service is overdue for a predetermined period of time, the payment fee payment request information provided includes information about payment price to be paid by the user, and It is preferable that the communication charge information including the payment price, the date information over which the overdue communication charge is charged, and the usage period information are included.

According to another exemplary embodiment of the present invention, when the communication fee including the payment fee paid through the mobile phone payment service is overdue for a predetermined period of time, the payment fee payment request information provided includes information about payment price to be paid by the user; Preferably, the information includes one or more communication charge information including the payment price, date information on which the overdue communication charge is charged, usage period information, and account information for depositing (or transferring) the payment price.

Here, after providing the account information for depositing (or transferring) the payment price, if the user confirms the payment of the overdue payment price, request cancellation of the payment price among the communication charges overdue to the communication company, It is preferable to recharge the user with the remaining communication fee except for the payment.

Alternatively, after providing the account information for depositing (or transferring) the payment, when the user confirms the payment of the overdue payment, the user is notified that some of the overdue communication charges have been deposited. It is preferable to process the user to make a payment.

2 is a diagram illustrating an operation process between the user terminal 155 and the payment system 100 to provide a mobile phone payment service according to an embodiment of the present invention.

In more detail, FIG. 1 shows that one or more users purchase goods through an internet shopping mall, pay after using one or more services through a server on the Internet that provides one or more services, or one or more services through a medical institution. After using, request a mobile phone payment service, provide a mobile phone payment interface including one or more input (or selection) interface corresponding thereto, and the mobile phone number information and answer that is input (or selected) through the mobile phone payment interface The present invention relates to a process of providing a mobile payment service based on the received payment request information upon receiving payment request information including payment information, payment authentication information, payment merchant information and payment amount information. If you have ordinary technical knowledge in the field, By using FIG. 1, various implementation methods for a process for providing a mobile phone payment service may be inferred, and thus, the present invention is not limited thereto.

Hereinafter, in FIG. 2, the payment system 100 illustrated in FIG. 1 is referred to as a “server” for convenience, and the user terminal 155 is referred to as a “terminal” for convenience.

Referring to FIG. 2, the terminal shown in FIG. 1 requests a mobile phone payment interface for providing a mobile phone payment service (200), and correspondingly, the server generates a mobile phone payment interface corresponding to the request of the terminal ( Or extract (205), process the mobile phone payment interface generated (or extracted) to be output to the terminal (210), and then output (or select) payment request information through the output mobile phone payment interface. It is checked whether or not (215).

According to an embodiment of the present invention, the mobile payment interface, the mobile phone payment information for the user requesting the mobile payment service payment information and payment authentication information for providing a mobile payment service through the mobile phone number; It is preferable that a window (or area) for inputting the payment request information including one or more.

In addition, the mobile phone payment interface purchases a product or uses a service through one or more servers on the Internet through the user terminal 155, and the mobile phone payment of the payment amount (or payment amount according to the use of the service) of the product purchase And a window (or area) for inputting (or selecting) payment merchant information for the merchant requesting payment through the service and payment request information including one or more payment amount information to be paid through the payment merchant. Preferably, one or more of the payment merchant information and the payment amount information may be automatically input according to the intention and purpose of those skilled in the art.

In addition, the mobile phone payment interface corresponds to a window (or area) for outputting question information preset by the user to provide a secure payment service for the user requesting the mobile phone payment service, and corresponding to the output question information. It is preferable that a window (or area) for inputting (or selecting) answer information is provided.

According to an embodiment of the present invention, the mobile phone payment interface purchases a product or uses a service using a shopping mall service provided by one or more servers on the Internet through the user terminal 155, and the payment amount according to the purchase of the product. In order to request a payment through a mobile phone payment service (or a payment amount using a service), it is preferable to generate a payment server requesting a payment from a server (eg, a shopping mall server or a content providing server) on the Internet. The generated mobile phone payment interface is provided to the user terminal 155.

Here, the payment server may be a carrier server 150 or a carrier server 150, by which the present invention is not limited.

According to another exemplary embodiment of the present invention, the mobile phone payment interface purchases a product or uses a service using a shopping mall service provided by one or more servers on the Internet through the user terminal 155, and pays according to the purchase of the product. In order to request an amount of payment (or a payment amount according to the use of a service) through a mobile payment service, it is preferable to generate a server (eg, a shopping mall server or a content providing server, etc.) on the Internet. Is provided to the user terminal 155.

If the input (or selection) of the received payment request information is confirmed (220), the terminal transmits the input (or selection) payment request information to the server (225) and correspondingly The server receives the payment request information transmitted from the terminal.

The payment request information may include at least one payment request information including one or more mobile phone number information, answer information, payment authentication information, payment merchant information, and payment amount information.

According to an embodiment of the present invention, the mobile phone number information is purchased through the user terminal 155 using a shopping mall service provided by one or more servers on the Internet or using a service, and the payment amount according to the purchase of the product When the payment request is made through the mobile payment service (or the payment amount according to the use of the service), the requested payment amount is preferably made to include the target mobile phone number to be charged, and the mobile phone number is subscribed according to the intention and purpose of those skilled in the art. It is preferable that the communication information is further included.

According to an exemplary embodiment of the present invention, the answer information may be purchased by using a shopping mall service provided by one or more servers on the Internet through the user terminal 155 or by using a service, and the payment amount according to the purchase of the product ( Or a payment amount according to the use of a service) through a mobile phone payment service, the user preferably includes information corresponding to the question information registered in advance.

According to the exemplary embodiment of the present invention, the payment authentication information may be purchased using a shopping mall service provided by at least one server on the Internet through a user terminal 155 or using a service, and the payment amount according to the purchase of the product. When the payment request is made through the mobile payment service (or the payment amount according to the use of the service), it is preferable to include the social security number of the user who requested the payment through the mobile payment service.

According to another exemplary embodiment of the present invention, the payment authentication information is used to purchase a product or use a service using a shopping mall service provided by one or more servers on the Internet through the user terminal 155, and according to the purchase of the product. When a payment request (or a payment amount using a service) is requested through a mobile payment service, a password for providing the mobile payment service (i.e., a user-specified password, or a carrier, payment merchant, or mobile payment service provider). Passwords set in at least one of the above).

Here, according to the intention and purpose of those skilled in the art, the payment authentication information may include both the resident registration number and the password of the user who requested the payment through the mobile phone payment service.

According to an exemplary embodiment of the present invention, the payment merchant information may be used to purchase a product or use a service using a shopping mall service provided by at least one server on the Internet through the user terminal 155, and the payment amount according to the purchase of the product. Request payment through the mobile payment service, and after the payment is completed through the mobile payment service, including the merchant information to which the payment is made through the mobile payment service; It is preferable to make.

According to an exemplary embodiment of the present invention, the payment amount information may use a payment amount or a service for purchasing a product using a shopping mall service provided by one or more servers on the Internet through the user terminal 155, or according to a use request. It is preferable to include the settlement amount.

Thereafter, the server verifies authentication for payment request information provided by the user who requested the mobile phone payment service (230).

According to the method of the present invention, the user authentication requesting the payment, by checking whether the response information of the information included in the payment request information is matched with the response information stored in the storage medium 145, the payment is made It is preferable to authenticate the requested user, and the answer information is preferably answer information corresponding to the question information output through the mobile phone payment interface provided to the user terminal 155.

Alternatively, the user authentication requesting the payment, by checking whether the payment authentication information of the information included in the payment request information is matched with the payment authentication information stored in the storage medium 145, thereby authenticating the user who requested the payment. It is desirable to.

Here, the storage medium 145 is provided on the payment system 100, or provided on the carrier server 150 connected to the payment system 100 through a communication network, or the payment system 100 It is preferably provided on the shopping mall server (or service providing server) connected to the communication network and the payment request to the payment system 100.

If the authentication of the received payment request information is not confirmed (235), the server generates (or extracts) authentication error information of the received payment request information and transmits the terminal to output the processing ( 240).

On the other hand, if the authentication of the received payment request information is confirmed (235), the server checks whether or not to exceed the billable limit for the user who requested the mobile payment service in response to the received payment request information (245).

According to the method of the present invention, whether the payment of the amount requested by the user is possible to check whether the amount of payment included in the received payment request information exceeds the payment limit provided by the communication company server 150. By checking whether or not, it is preferable to check whether payment of the amount requested by the user is possible.

Here, the user's payable limit may be limited by checking the overdue history of the user's mobile phone number.

In addition, the user's payment limit may be limited to other mobile phone numbers or other companies (eg, financial institutions or other telecommunications companies) by checking the overdue history in addition to the mobile phone number of the user.

According to another exemplary embodiment of the present invention, whether the payment of the amount requested by the user can be made is possible, the payment amount included in the received payment request information stored on a database provided in the payment system 100. It is preferable to check whether or not the amount of money requested by the user can be settled by checking whether the amount exceeds the possible limit.

For example, when a user intends to pay a payment amount of 100,000 won using a mobile phone payment service, if the payment limit provided by the telecommunication company server 150 is less than 100,000 won, the user pays for the amount requested for payment. When it is confirmed that the possible, and the payable limit stored in the storage medium 145 is less than 100,000 won, it is preferable to check that the payment of the amount requested by the user is impossible.

If it is determined that the payment amount requested by the user exceeds the allowable payment amount for the user's mobile phone (250), the server generates the insufficient payment limit error information in response to the received payment request information ( Or extract) to be transmitted to the terminal for output (255).

On the other hand, if the payment amount requested by the user does not exceed the allowable amount of payment for the user's mobile phone (250), it will be described in detail with reference to the following drawings.

3 is a diagram illustrating an operation process of a payment system 100 for providing a mobile phone payment service according to an embodiment of the present invention.

In more detail, Figure 3 checks the authentication of the payment request information provided by the user who requested the mobile phone payment service according to the process shown in Figure 2, and exceeds the payment limit for the mobile number requested by the user who completed the authentication After confirming the existence, if it is confirmed that payment is possible, a process of processing a payment amount is charged through the communication fee for the mobile phone number is shown. Various implementation methods for an operation process of the payment system 100 for providing a mobile phone payment service by referring to or modifying the drawing 3 may be inferred, and are not limited to the implementation method shown in FIG. 3.

Hereinafter, in FIG. 3, the payment system 100 shown in FIG. 1 is referred to as a “server” for convenience, and the user terminal 155 is referred to as a “terminal” for convenience.

Referring to FIG. 3, the server illustrated in FIG. 1 generates 300 to be transmitted to the terminal illustrated in FIG. 1, and transmits a text message including the generated through a mobile phone number (305). In response, the mobile phone checks the received and retransmits it to the server (310).

According to an embodiment of the present invention, the is preferably information generated in a server (or system) on the Internet (for example, payment server or carrier server 150 or shopping mall server, etc.).

Here, the is preferably made of a one-time password (or predetermined password) information to be transmitted to the mobile phone number of the information included in the payment request information.

According to another embodiment of the invention, the is, characterized in that it is generated through a program mounted on the mobile phone device, it is preferably generated based on a specific value shared between the program and the server.

According to another embodiment of the present invention, the user is a mobile phone to which the user is assigned a mobile phone number to be used for the mobile payment service, a server (or system) on the Internet and a part of the mobile phone to create a final confirmation It is preferable.

For example, after transmitting a part generated by the mobile phone to a server on the Internet, receiving and authenticating a part from the server on the Internet, and generating the remaining part based on the authenticated part (or separate predetermined information), the mobile phone number ( That is, it is preferable to be transmitted to the mobile phone.

Alternatively, the mobile phone number is transmitted from the server on the Internet to the mobile phone, and the mobile phone number is generated based on the authenticated part (or separate predetermined information) after receiving and authenticating the generated part from the mobile phone. It is preferable to be transmitted to (i.e., said cellular phone).

Herein, transmits a text mesh including a callback uniform resource locator (URL) to be included in a text message (for example, a short message service (SMS) or a multimedia message service (MMS)) or to confirm from a server on the Internet. After that, it is preferable to provide a mobile webpage (or webpage) accessed through the callback URL.

Alternatively, may be outputted by driving a program for output provided in the mobile phone, the program for output is automatically executed when receiving a text message (or data) including the, or check whether the execution Is executed through the user to input (or select) the payment request information input (or selection) to drive the program for the output, or to authenticate the password (or secret code) when the program is running for the output. It is preferably driven through, and in the case of outputting by driving the program, it is preferable that the encrypted transmission.

Those skilled in the art to which the present invention pertains will be familiar with the technical features of the method or process for generating the transmission to the mobile number, detailed description thereof will be omitted for convenience.

Thereafter, the server receives the received from the terminal, and checks whether the received and the generated mutual match (315).

According to an embodiment of the present invention, the received is transmitted automatically (or inputted (or selected) by the user) from a program for output (or confirmation) driven through a text message (or data) provided to the mobile number. Is preferably.

According to the exemplary embodiment of the present invention, the mobile payment service provided by the user may check whether the received and the generated mutual matches, and if the mutual match is specified, the user specifies a payment amount requested by the user. It is desirable to process the mobile phone number to be charged (or separately) to the communication fee.

According to another embodiment of the present invention, the mobile payment service provided using the received, checks whether the received and the generated mutual matching, and if the mutual matching the payment amount requested by the user to the mobile number It is preferable to process the first payment using a part (or all) of the points, and process the remaining amount to be charged (or separately) to the communication fee for the mobile number designated by the user.

If the received and the generated are not matched with each other (320), the server generates (or extracts) the mutual matching error information for the received and transmits to the terminal (or mobile phone) to process the output. (325).

On the other hand, if the received authentication information and the generated authentication information is matched (320), the server processes the payment amount requested by the user to be summed up through the communication fee for the mobile number included in the received payment request information (330).

Subsequently, when the payment processing is completed through the mobile phone payment service requested by the user, the user terminal 155 (or the mobile phone that the user requests payment) returns a payment processing result according to the completion of the payment processing through the mobile payment service requested by the user. Number), and preferably, the payment processing result is stored in the storage medium 145.

According to an embodiment of the present invention, the payment processing result when the user completes the payment processing through the mobile phone payment service includes the payment processing result and is preferably provided through a text message to the mobile phone number of the user.

Here, the payment processing result is the payment amount requested by the user, the date and time of the communication charges to be charged (ie, when billing in January, February billing, etc.), and the fee cost incurred by providing the mobile phone payment service (intention and purpose of the skilled person) In this case, it is preferable to include one or more of a tax fee (for example, VAT, etc.).

According to an embodiment of the present invention, the payment processing result information may include mobile phone number information used for a mobile phone payment service, date and time information using a mobile phone payment service, payment amount information, and at least one payment merchant information. It is preferable to comprise a.

According to the present invention, it is possible to prevent the financial loss to the mobile phone owner caused by the abuse of the phone bill micropayment service due to the loss of the mobile phone and thereby to provide a safe phone bill micropayment service.

Claims (6)

A mobile phone payment interface for inputting (or selecting) mobile phone number information and answer information to a question pre-registered by a user is provided to a user terminal, and mobile phone number information and answer information input (or selected) through the mobile phone payment interface is provided. A first authentication step of authenticating validity of the received answer information when received; A transmission step of generating authentication number information to be transmitted to the received mobile phone number and transmitting the generated authentication number information to the mobile phone number when the validity of the received answer information is confirmed; Verifying the authentication number information by driving a program provided in the mobile phone, and when the confirmed authentication number information is received from the mobile phone, verifying mutual matching between the received authentication number information and the generated authentication number information. Second authentication step; If the received authentication number information and the generated authentication number information is matched, a payment processing step of processing the payment amount requested by the user through the communication fee for the mobile phone number; characterized in that it comprises a; How to handle mobile phone micropayment using the answer interface. The method of claim 1, And a subscriber authentication step of authenticating a subscriber with respect to the mobile phone number in association with a communication company server. The method of claim 1, Checking the payment limit information on the mobile number in connection with the telecommunication company server, and checking whether the payment amount requested by the user exceeds the confirmed payment limit; and further comprising: a question / answer Mobile phone micropayment processing using the interface. The method of claim 1, When the generated authentication number information is transmitted to the mobile phone number, mobile phone micropayment processing method using a question / answer interface, characterized in that for transmitting using a text message service-a short message service or a multimedia message service. According to claim 1, The program for verifying the authentication number information provided in the mobile phone, Driven by receiving drive information, or A method for processing a micro payment of a mobile phone using a question / answer interface, which is driven by requesting a user to input (or select) a password when the program is driven, and authenticating a password input by the user. A storage medium that connects and stores the user's mobile number and the pre-registered question information and the answer information; After checking the user's pre-registered question information corresponding to the user's mobile phone number received from the communication network through the storage medium or the server operating the storage medium, the question information and answer input area pre-registered by the identified user are transferred to the mobile phone payment interface. Means for processing to be output; And When the answer information outputted to the mobile phone payment interface is received through a communication network, the validity of the answer information is checked through the storage medium or the server operating the storage medium. Means for processing the authentication information to be transmitted; Verifying the authentication number information by driving a program provided in the mobile phone, and when the confirmed authentication number information is received from the mobile phone, verifying mutual matching between the received authentication number information and the generated authentication number information. Cell phone micropayment processing system using a question / answer interface, characterized in that consisting of.

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