KR20100136041A - System and method for processing mobile phone's settlement using question/answer interface - Google Patents

Abstract

PURPOSE: A system and a method for processing a mobile phone's payment using a question/answer interface are provided to perform an authentication operation by receiving an authentication number and answer information inputted through a user interface in order to supply a small-sum phone bill payment service. CONSTITUTION: A payment system(100) includes the following. If a user transmits not only authentication information except question information but also answer information corresponding to the question information through a user terminal(155), an information reception unit(110) receives the authentication information. A payment approval processing unit(130) authenticates the received authentication information and answer information in order to process a communication fee for the mobile phone number requested by a user. An information providing unit(135) provides the user terminal with the results of the completion of the payment.

Description

System and Method for Processing Mobile Phone's 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 after receiving the authentication number to the mobile phone number provided by the user requesting the phone bill micropayment, in order to use the phone bill micropayment service, when entering the authentication number, input the answer information (or selection) to the pre-registered question By providing a user interface for receiving, authentication and receiving the authentication number and answer information input (or selected) through the user interface and provides a phone bill micropayment service, when the mobile device is lost, illegal use of the phone bill micropayment occurs It is to overcome the possible problems.

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 transmits it to the server. A short message service (SMS) text message including information is transmitted, and the customer who confirms the text message inputs authentication information through the terminal and transmits the authentication information to the server, thereby using the phone bill 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.

Mobile phone payment processing method using the question / answer interface according to the present invention, a mobile phone payment interface for inputting (or selecting) mobile phone number information to a user terminal is provided, the mobile phone number information input through the mobile phone payment interface is received; When confirming the question information to be transmitted to the received mobile phone number, and if the question information to be transmitted to the received mobile phone number is confirmed, generates an authentication number to be transmitted to the mobile phone number, the generated authentication number information and the An output processing step of transmitting the question information to the mobile phone number to be output, and receiving the authentication number information and the answer information corresponding to the question information input through the authentication number input interface output through the user's terminal, A first authentication step of authenticating validity of the received answer information; A second authentication step of authenticating whether the received authentication number information and the generated authentication number information are mutually matched when the validity of the received answer information is authenticated; and when the authentication of the authentication number is confirmed, the cellular phone And a payment processing step of processing the payment amount requested by the user through a communication fee for the number.

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

Mobile phone payment processing method using the question / answer interface according to the present invention, check the payment limit information for the mobile phone number in conjunction with the communication server, and whether the payment amount requested by the user exceeds the confirmed payment limit Identifying; characterized in that further comprises.

Mobile phone payment 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 for transmitting using a text message service-a short message service or a multimedia message service- do.

On the other hand, the mobile phone payment processing system using the question / answer interface according to the present invention, the 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 the server for operating the storage medium or storage medium Means for checking the question information pre-registered by the user corresponding to the user's mobile phone number received from the communication network, and transmitting the question information pre-registered by the identified user and authentication number information for user authentication to the user's mobile phone; And, if the authentication information and the answer information corresponding to the question information is received through the payment processing request terminal of the user, the first verification of the validity of the received answer information through the storage medium or the server operating the storage medium And means for performing secondary authentication on validity of the received authentication number information. It is characterized by comprising.

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, requesting a mobile phone payment service, providing a mobile phone payment interface including at least one input (or selection) interface corresponding thereto, and then the mobile number information and payment that is input (or selected) through the mobile phone payment interface Receiving payment request information including one or more authentication information, payment merchant information, and payment amount information, the configuration of the payment system 100 to provide a mobile phone payment service based on the received payment request information, Having ordinary technical knowledge in the technical field to which the invention belongs. If it grows, various implementation methods for the payment system 100 for providing a mobile phone payment service will be inferred using this Figure 1, whereby 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 case of requesting payment through the mobile payment service, enter (or select) payment request information including one or more mobile phone number information, payment authentication information, payment merchant information, and payment amount information. It is characterized in that the interface is provided with a means for providing a mobile phone payment interface 105 for).

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 of mobile phone number information, payment authentication information, payment merchant information, and payment amount information input through the payment interface (or selected). .

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 the exemplary embodiment of the present invention, the payment authentication information is used to purchase a product or 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. 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. (Or a payment amount according to the use of a service) request payment through a mobile payment service, and after the payment is completed through the mobile payment service, includes the target merchant information to provide the payment amount paid through the mobile payment service; It is preferable to make it.

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 (or selects) payment request information including one or more mobile phone number information, payment authentication information, payment merchant information, and payment amount information through the output mobile phone payment interface. And, when the input (or selected) payment request information is transmitted from the user terminal 155, authentication processing means for receiving payment request information transmitted from the user terminal 155 and authenticating the payment authentication information. It is characterized by comprising (115).

According to an embodiment of the present invention, 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, requesting the payment It is desirable to authenticate the user.

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

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 and answer information for payment approval for the amount requested by the user for payment through a mobile phone number. In order to input the answer information, it is preferable that a window (or area) for outputting question information corresponding to the answer information is further provided.

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 payment limit stored in the storage medium 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 means 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, the generated authentication information. Is transmitted to the mobile phone number through the information providing 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 is a one-time password (or a predetermined password) information to be transmitted to a mobile phone number of the information included in the payment request information, and the question information corresponding to the answer information in order to request the answer information by the user who requested the payment It is preferable to comprise a.

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.

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 FIG. 1, the payment system 100 transmits authentication information including question information to the mobile phone number, and the user who confirms the authentication information corresponds to the authentication information except the question information and the question information. When the response information is input through the user terminal 155 and transmitted, the information receiving means 110 for receiving the authentication information and the received authentication information and the response information are authenticated to communicate with the mobile number requested by the user. When the payment processing is completed through the payment approval processing means 130 and the mobile phone payment service requested by the user, the user terminal 155 (or the user pays) The information providing means (135) provided to the requesting mobile phone number and the mobile phone payment service requested by the user when the payment processing is completed; Requested by the user by having a data storage means for storing the result of the payment processing according to the payment processing is completed through the mobile payment services for payments D / B is characterized in that formed.

The information receiving unit 110 transmits the authentication information including the question information to the mobile phone number, the user confirming the authentication information, the authentication information except the question information and the response information corresponding to the question information, the user terminal When inputted through 155 and transmitted, the authentication information is received.

According to the method of the present invention, the received authentication information is processed to output a text message (or data) provided to the mobile phone number on the mobile phone, the user confirms the authentication information output through the mobile phone and It is preferable that the authentication information (authentication information except the question information among the received authentication information) transmitted through input (or selection) through the user terminal 155 and the answer information corresponding to the question information, Depending on the intention and purpose may include both question information and answer information, in this case, the question information may not be provided from the server.

The payment approval processing means 130 checks whether the answer information received through the information receiving means 110 and the answer information stored in the storage medium are mutually matched, and if it is determined that they match each other, the information receiving means ( It is characterized in that the mobile phone payment service is provided by checking whether the authentication information received through 110 and the mutual matching of the authentication information generated by the information generating means 125 are mutually matched.

According to the exemplary embodiment of the present invention, the mobile payment service using the received authentication information checks whether the received answer information and the answer information stored in the storage medium are mutually matched, and if the match is received, It is preferable to check whether the authentication information and the generated authentication information are mutually matched, and if the mutual information is matched, process the payment amount requested by the user to be charged (or separately) to the communication fee for the mobile number designated by the user. .

According to another exemplary embodiment of the present invention, the mobile payment service using the received authentication information checks whether the received answer information and the answer information stored in the storage medium are mutually matched, and if the mutual match is found, the received information. Check whether the generated authentication information and the generated authentication information are mutually matched, and if they are matched, process the payment amount requested by the user to be settled first using a part (or all) of points for the mobile number, and the remaining amount It is preferable to process so as to be added (or separately) to the communication fee for the mobile number specified 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 to request 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 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.).

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 a portion of the overdue communication fee has been deposited and the remaining communication fee is 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, requesting a mobile phone payment service, providing a mobile phone payment interface including at least one input (or selection) interface corresponding thereto, and then the mobile number information and payment that is input (or selected) through the mobile phone payment interface Receiving payment request information including one or more authentication information, payment merchant information and payment amount information, the process for providing a mobile phone payment service based on the received payment request information, which is usually in the technical field to which the present invention belongs If you have the technical knowledge of Figure 1 Various implementation methods for the process for providing a mobile phone payment service by using will be able to be inferred, whereby the present invention is not limited.

Hereinafter, in FIG. 2, 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. 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.

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 of mobile phone number information, payment authentication information, payment merchant information, and payment amount information.

According to an embodiment of the present invention, the mobile phone number 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. 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 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. It is preferable to include a password set in one or more).

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 payment service (230).

According to an embodiment of the present invention, 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, requesting the payment It is desirable to authenticate the user.

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

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 payment limit stored in the storage medium 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 the payment amount is charged through the communication fee for the mobile phone number, and if the person having ordinary technical knowledge in the field to which the present invention belongs, 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 shown in FIG. 1 generates authentication information to be transmitted to the terminal shown in FIG. 1 (300), and transmits and outputs a text message including the generated authentication information through a mobile phone number. If the authentication information transmitted by the user through the mobile phone number is output through the mobile phone to which the mobile phone number is assigned, the user confirms the input of the payment approval input interface output through the terminal. Check whether the authentication information and the answer information is input (or selected) (310).

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 is a one-time password (or a predetermined password) information to be transmitted to a mobile phone number of the information included in the payment request information, and the question information corresponding to the answer information in order to request the answer information by the user who requested the payment It is preferable to comprise a.

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.

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.

If it is checked whether the authentication information and the answer information are input (or selected) through the user interface output to the terminal (315), the terminal transmits the input (or selected) authentication information and the answer information to the server. In operation 320, the server receives the authentication information and the response information transmitted from the terminal, and then checks whether the received response information matches the response information stored in the storage medium (325). ).

If it is determined that the received answer information does not match each other with the answer information stored in the storage medium (330), the server generates (or extracts) matching error information with respect to the received answer information to the terminal ( Or the mobile phone) (335).

On the other hand, if it is determined that the received answer information is matched with the answer information stored in the storage medium (330), the server checks whether the received authentication information and the generated authentication information are mutually matched (340). .

According to an embodiment of the present invention, the received authentication information is processed so that a text message (or data) provided to the mobile phone number is output on the mobile phone, and then the user checks the authentication information output through the mobile phone. It is preferable that the authentication information (authentication information except the question information among the received authentication information) transmitted through input (or selection) through the user terminal 155 and the answer information corresponding to the question information, Depending on the intention and purpose may include both question information and answer information, in this case, the question information may not be provided from the server.

According to the exemplary embodiment of the present invention, the mobile payment service using the received authentication information checks whether the received answer information and the answer information stored in the storage medium are mutually matched, and if the match is received, It is preferable to check whether the authentication information and the generated authentication information are mutually matched, and if the mutual information is matched, process the payment amount requested by the user to be charged (or separately) to the communication fee for the mobile number designated by the user. .

According to another exemplary embodiment of the present invention, the mobile payment service using the received authentication information checks whether the received answer information and the answer information stored in the storage medium are mutually matched, and if the mutual match is found, the received information. Check whether the generated authentication information and the generated authentication information are mutually matched, and if they are matched, process the payment amount requested by the user to be settled first using a part (or all) of points for the mobile number, and the remaining amount It is preferable to process so as to be added (or separately) to the communication fee for the mobile number specified by the user.

If the received authentication information and the generated authentication information do not match with each other (345), the server generates (or extracts) mutual matching error information on the received authentication information to the terminal (or mobile phone). Transmit 350.

On the other hand, if the received authentication information and the generated authentication information are matched with each other (330), the server claims the sum of the payment amount requested by the user through a communication fee for the mobile number included in the received payment request information The process is processed to be (355).

Subsequently, when the payment processing is completed through the mobile payment service requested by the user, the user terminal 155 (or the mobile number for which 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. ), And it is preferable to store the result of the payment processing in a storage medium.

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 (5)

A mobile phone payment interface for inputting (or selecting) mobile phone number information to a user terminal is provided, and when mobile phone number information received through the mobile phone payment interface is received, a confirmation step of checking question information to be transmitted to the received mobile phone number ; An output processing step of, if the question information to be transmitted to the received mobile phone number is confirmed, generating an authentication number to be transmitted to the mobile phone number, and transmitting the generated authentication number information and the question information to the mobile phone number for output; A first authentication step of authenticating validity of the received answer information when the authentication number information and the answer information corresponding to the question information received through the authentication number input interface output through the user terminal are received; A second authentication step of authenticating whether or not the received authentication number information matches the generated authentication number information when the validity of the received answer information is authenticated; When the authentication of the authentication number is confirmed, the payment processing step of processing the payment so that the user requested payment amount through the communication fee for the mobile phone number; Mobile phone payment processing using a question / answer interface characterized in that it comprises a Way. 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 payment processing method using the interface. The method of claim 1, When transmitting the generated authentication number information to the mobile phone number, a mobile phone payment processing method using a question / answer interface, characterized in that the transmission using a text message service-a short message service or a multimedia message service. A storage medium that connects and stores the user's mobile number and the pre-registered question information and the answer information; After confirming the question information pre-registered by the user 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 pre-registered by the identified user and authentication number information for user authentication are checked. Means for processing the transmission to the user's mobile phone; When the authentication information and the answer information corresponding to the question information are received through the payment processing request terminal of the user, first validating the validity of the received answer information through the storage medium or a server operating the storage medium, And means for performing secondary authentication on the validity of the received authentication number information.

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