KR20160055513A - System, server and method for providing mobile phone small sum settlement service - Google Patents

Abstract

The present invention relates to a system for providing a mobile phone micro-payment service, a server thereof, and a method thereof. The system comprises: a plurality of mobile phones configured to receive a first payment result signal to notify mobile phone micro-payment completion; a mobile phone micro-payment service providing server configured to receive a second payment result signal to recognize and register the mobile phone micro-payment completion; a financial company server configured to generate the second payment result signal and transfer the second payment result signal to the mobile phone micro-payment service providing server; and a communication company server configured to generate the first payment result signal and transmit the first payment result signal to the mobile phones. Therefore, the system can improve efficiency of customer management.

Description

TECHNICAL FIELD [0001] The present invention relates to a system, a server, and a method for providing a mobile payment service,

The present invention relates to a system, server, and method for providing a mobile payment service, and more particularly, to a mobile payment service providing system, a server, and a method for providing a mobile phone payment by a micropayment .

With the development of electronic payment technology, the mobile market has become more active as the mobile phone is being used as a new mobile business terminal. Accordingly, a mobile payment service has been developed and operated as an electronic payment service in which payment is approved through personal information of a subscriber, and a fee for using an Internet content is charged in a call charge of a mobile phone. On the other hand, a one-time password generator method based on short message (SMS) and an outgoing mobile phone confirmation method using an automatic response system (ARS) are utilized when confirming the occupancy of a mobile phone, but this method has insufficient security, Has a disadvantage that it can not be confirmed when a mobile phone is purchased and paid for.

Korean Registered Patent No. 10-0535923 (registered on Dec. 05, 2005) requests and collects the monthly charges on the monthly mobile phone bill until the termination of the customer by the initial approval once through the mobile phone terminal. In order to reduce the hassle of having to use the bank every month to pay the fee, the service company has to make a small amount of money by using the mobile phone which can reduce the expenses such as the giro paper, postage fee, re- And a payment method. According to the disclosed technology, when the customer makes an application for automatic charging of the mobile phone charge, when the CATV customer information server requests the mobile phone company to confirm the mobile phone subscriber information via the mobile phone micro settlement service gateway server, the mobile phone micro payment service gateway server Requesting a mobile communication company authentication server to confirm cell phone subscriber information; A step of notifying that the cellular subscriber identity information is confirmed to the CATV customer information server by the mobile subscription service gateway server when it is notified that the cellular phone registration personal information matches from the mobile communication company authentication server; Requesting the mobile phone settlement service gateway server to transmit the authentication key value of the mobile phone user to the mobile communication company authentication server; The customer who receives the SMS authentication key value notifies the CATV customer information server that the authentication key value has been confirmed, and automatically charges the cellular phone billing service gateway server based on the data that the CATV customer information server confirms that the customer is the automatic charging customer Requesting, by the mobile payment service gateway server, the confirmation of the mobile subscriber identity information and the settlement amount to the mobile communication company authentication server; When the mobile communication company authentication server confirms and informs the mobile phone subscriber information and the settlement amount, the mobile phone micro settlement service gateway server requests the mobile communication company authentication server for the CATV fee charging; When the mobile communication company authentication server transmits an SMS notification of the automatic charging result of the monthly CATV charge after charging and stores the charging information in the customer data server of the mobile communication company and then notifies the mobile phone settlement service gateway server that the charging is completed, The service gateway server storing the billing information in the customer transaction information storage server; And the step of notifying the CATV customer information server of the CATV company that the charging fee for the corresponding month has been completed by the cellular phone settlement service gateway server.

Korean Patent Laid-Open Publication No. 10-2007-0090463 (published on September 6, 2007) discloses a micropayment service method using a mobile communication short message. In order to apply for a micropayment payment, a user uses his / The first step is to send a short message to the provider. The payment service provider who received the short message sends a message requesting the user name and resident registration number to confirm the identity of the mobile phone user. After receiving the message, A step of transmitting the authentication code message for payment to the user after confirming the identity of the user of the mobile phone by receiving the message and transmitting the authentication code request message to the user after receiving the authentication code message And then transmits the created payment service to the payment service provider. Step 6 for confirming the authentication code by receiving the authentication code message sent by the user, step 7 for transmitting the confirmed authentication code to the payment server, step 8 for performing the micropayment through the payment server, step 9 for sending the micropayment completion message to the user The method comprising the steps of: According to the disclosed technology, since the settlement service is all performed using only the SMS message of the mobile communication terminal, it is possible to overcome the difficulty of the initial accessibility of various complicated authentication procedures for the conventional settlement and to perform the settlement service simply and quickly.

The conventional mobile phone settlement service providing system as described above provides a mobile phone settlement service for the purpose of utilization of the common people finance for the low credit. However, the unauthorized company has to constantly and carefully manage the mobile phone small amount, And the like. For example, by authenticating the user by using a mobile phone and inputting only the approval number as a letter to the user, the user easily purchases game money, goods, etc., and sells the purchased game money and goods, In the case of a telecom company, there is a problem that the efficiency of the customer management due to delinquent management is very low. Have. Accordingly, it will be necessary to develop technology to prevent the small-scale mobile payment service from being abused by illegal businesses, and to allow payment with a margin of about one month without delinquent mobile phone so as to meet the purpose of utilizing the small-scale finance.

Korean Patent No. 10-0535923 Korean Patent Publication No. 10-2007-0090463

SUMMARY OF THE INVENTION The present invention has been made in view of the above problems, and it is an object of the present invention to provide a mobile phone small payment service providing system capable of paying a mobile phone charge by a small amount payment , A server, and a method.

In order to solve such a problem, according to one aspect of the present invention, a service request signal is generated and transmitted upon request of a customer, the approval number is received and displayed on a screen, A plurality of mobile phones for generating and transmitting an approval request signal, receiving a first payment result signal and notifying completion of a micropayment of the mobile phone; Receives a service request signal from the cellular phone, confirms customer identification information, reads customer information corresponding to the customer identification information, generates and transmits a service request signal including customer information, receives an approval request signal from the cellular phone, A mobile phone micro settlement service providing server for confirming and transmitting the identification information and the approval number, receiving the second payment result signal, and recognizing and registering completion of the micropayment of the mobile phone; Receives a service request signal from the mobile phone micro settlement service providing server and confirms and transmits the customer information, receives the authentication signal, confirms the customer information and the settlement amount, generates an approval number and transmits the approval number to the mobile phone, Receives the approval request signal from the settlement service providing server, confirms the customer identification information and the approval number, confirms whether the previous issuance approval number corresponding to the customer identification information matches the verified approval number and determines whether or not to approve the settlement amount, To the virtual account of the customer's name corresponding to the customer identification information, generates a payment signal, transmits the payment signal, receives the payment processing signal, confirms the customer identification information and the payment information to complete the payment process, A second server for generating a second settlement result signal and transmitting the second settlement result signal to the mobile phone settlement service providing server; And receiving a service request signal from the financial company server to confirm customer information and authenticating that the customer is a legitimate customer, generating an authentication signal corresponding to the customer information and transmitting the authentication signal to the financial company server, receiving a payment signal from the financial company server, The identification information, the approval number, and the payment amount, the payment amount is paid in correspondence with the customer identification information as the payment amount, the payment processing signal is generated and transmitted to the financial company server, the first payment result signal is generated, And a communication company server for transmitting the mobile payment service to the mobile phone.

In one embodiment, the mobile phone has a mobile phone micro settlement service application, and activates a mobile phone micro settlement service application according to a request of a customer to access the mobile phone micro settlement service providing server.

In one embodiment, after the mobile phone accesses the mobile phone micro settlement service providing server, an application download request signal is generated and transmitted to the mobile phone micro settlement service providing server, and then the mobile phone micro settlement service providing server receives The mobile payment service application is downloaded and installed.

In one embodiment, when the mobile phone accesses the mobile phone micro settlement service providing server through the mobile phone micro settlement service application, the mobile phone receives the customer acquisition request information from the mobile phone micro settlement service providing server and confirms the agreement and the subscription document, And transmits a member registration request signal to the mobile phone micro settlement service providing server by receiving the mobile phone related information and the customer information through the input means and receives a membership completion signal from the mobile phone micro settlement service providing server, And notifies the user of the completion of the membership.

In one embodiment, the mobile phone receives an approval number from the mobile phone micro settlement service providing server and displays it on the screen.

In one embodiment, the mobile phone micro settlement service providing server receives a customer ID and a customer password from a mobile phone connected via a network to confirm whether or not the mobile terminal is a legitimate terminal, and when receiving a service request signal Is received.

In one embodiment, the mobile phone micro settlement service providing server receives an application download request signal from the mobile phone, reads the mobile phone settlement service app, and transmits the app to the mobile phone.

In one embodiment, the mobile phone micro settlement service providing server generates and transmits to the mobile phone the customer subscription request information including the agreement and the subscription form when the mobile phone is accessed through the mobile phone micro settlement service application, And transmits the registration completion signal to the mobile phone. The mobile communication terminal receives the signal from the mobile phone and confirms the mobile phone related information and the customer information, registers the mobile phone related information and the customer information in the database,

In one embodiment, the mobile phone micro settlement service providing system further includes a database for storing mobile phone related information and customer information in a database for each customer identification information.

In one embodiment, the financial service server pays a first commission of the mobile phone settlement service providing server to an account of the mobile phone settlement service providing server.

In one embodiment, the communication company server calculates the amount of the settlement amount including the first commission of the mobile phone settlement service providing server, the second commission of the communication company, and the third commission of the financial company, .

In one embodiment, the communication company server adds the settled amount to the cellular phone charge of the customer next month, and charges the customer.

In one embodiment, the mobile phone micro settlement service providing server receives and transmits a service request signal from the mobile phone, then receives a service request signal including customer information, transmits the service request signal to the financial company server, Receives an acceptance request signal including customer identification information and an approval number, transmits the acceptance request signal to the financial company server, receives the second settlement result signal from the financial company server, and transmits the second settlement result signal; A customer information providing unit for receiving customer information from the service request signal transmitted from the interface unit, reading customer information corresponding to the customer identification information from the database, generating a service request signal including customer information, ; An approval request unit for confirming the customer identification information and the approval number in the approval request signal transmitted from the interface unit and transmitting an approval request signal including the customer identification information and the approval number to the interface unit; And a settlement registration unit for confirming the customer identification information and the settlement amount in the second settlement result signal transmitted from the interface unit, recognizing completion of the settlement of the mobile phone settlement and registering the settlement result in the database.

In one embodiment, the mobile phone micro settlement service providing server generates customer subscription request information including a consent form and a subscription form when the mobile phone accesses the mobile phone using a microcontent payment service app, and transmits the customer subscription request information to the mobile phone through the interface, Receiving a member registration request signal from the mobile phone, confirming mobile phone related information and customer information, registering mobile phone related information and customer information in a database by customer identification information, generating a membership completion signal, And a registration management unit.

In one embodiment, the financial company server receives and transmits a service request signal from the mobile phone micro settlement service providing server, and then receives a service request signal including customer information and transmits the service request signal to the communication company server. And transmits the approval signal to the mobile phone, receives the approval request signal from the mobile phone micro settlement service providing server, and transmits the approval signal to the communication company server, An interface unit receiving and transmitting a settlement processing signal from a communication company server, and then receiving a second settlement result signal and transmitting the received second settlement result signal to the cellular settlement service providing server; A service request unit for confirming customer information in a service request signal transmitted from the interface unit, confirming a communication company server corresponding to customer information, and transmitting a service request signal including customer information to the interface unit; An approval number providing unit for confirming the customer information and the settled amount in the authentication signal transmitted from the interface unit, confirming the cellular phone corresponding to the customer information, generating the approval number, and transmitting the approval number to the interface unit. The customer identification information and the approval number are checked in the approval request signal transmitted from the interface unit, and whether or not the approval number issued by the approval number providing unit matches the approved approval number in correspondence with the customer identification information is confirmed, And a payment amount obtained by subtracting the first fee from the mobile phone micropayment service providing server from the settlement amount is paid as a payment amount to the virtual account of the customer's personal name corresponding to the customer identification information and the communication company server corresponding to the customer identification information is checked And generates a payment signal including the customer identification information, the approval number, and the payment amount, and transmits the payment signal to the interface unit; And a second settlement result including an amount obtained by subtracting the third commission of the financial company from the settlement amount of the customer identification information and the settlement information, And a payment result providing unit for generating a signal and transmitting the signal to the interface unit.

In one embodiment, the communication company server receives the service request signal from the financial company server and transmits the authentication request signal to the financial company server, receives the authentication signal, receives the payment signal from the financial company server, An interface unit which transmits a processing signal to the financial company server and receives a first payment result signal and transmits the first payment result signal to a cellular phone corresponding to the customer identification information; An authentication unit for verifying customer information in a service request signal transmitted from the interface unit to authenticate a legitimate customer and transmitting an authentication signal including a settled amount corresponding to customer information to the interface unit; An approval number and a payment amount from the payment signal transmitted from the interface unit, and an amount obtained by subtracting the second fee of the communication company from the payment amount is paid as a payment amount corresponding to the customer identification information, A settlement processing unit for generating a settlement processing signal including settlement information and delivering the settlement processing signal to the interface unit; And a settlement result providing unit for generating a first settlement result signal including a settlement amount at the completion of settlement processing of the settlement processing unit and transmitting the generated first settlement result signal to the interface unit.

According to another aspect of the present invention, a service request signal is generated and transmitted upon request of a customer, an approval number is received and displayed on a screen, an approval request signal is generated at the time of transmission request after inputting the approval number of the customer A plurality of mobile phones for receiving a first payment result signal and notifying completion of a micropayment of a mobile phone; Receives a service request signal from the cellular phone, checks customer identification information to read customer information corresponding to customer identification information, generates and transmits a service request signal including customer information, receives an authentication signal, Receives an approval request signal from the mobile phone, confirms and transmits the customer identification information and the approval number, receives the payment signal, and transmits the approval signal to the customer Receives the payment processing signal, receives the first payment result signal, confirms the customer identification information and the settlement amount, and transmits the identification information, the approval number, and the payment amount to the mobile phone, A mobile phone micro settlement service providing server for receiving a signal and recognizing and registering completion of a micro settlement of the mobile phone; Receives the service request signal from the mobile phone micro settlement service providing server to confirm the customer information, receives the authentication signal from the mobile phone micro settlement service providing server, confirms the customer information and the settlement amount, generates an approval confirmation signal, Receiving the approval request signal from the server for providing the micropayment service, checking the customer identification information and the approval number, and comparing the previous issue approval number and the confirmed approval number corresponding to the customer identification information, The payment amount is paid to the virtual account of the customer's name corresponding to the customer identification information, and the payment signal is transmitted to the virtual account of the customer, And transmits the generated data to the server for providing a micropayment service for the mobile phone, A financial server which receives a settlement processing signal from a service providing server and confirms customer identification information and settlement information to complete settlement processing, generates a second settlement result signal, and transmits the second settlement result signal to the mobile phone settlement service providing server; And a server for receiving the service request signal from the mobile phone micro settlement service providing server to confirm the customer information and authenticate the user as a legitimate customer, generate an authentication signal corresponding to the customer information and transmit the authentication signal to the mobile phone micro settlement service providing server, Receives the payment signal from the micro-payment service providing server and confirms the customer identification information, the approval number and the payment amount, and the amount of the payment amount minus the second fee of the communication company is settled as the payment amount corresponding to the customer identification information, And generating a first payment result signal and transmitting the first payment result signal to the server for providing a micropayment service to the mobile phone.

According to another aspect of the present invention, after receiving and transmitting a service request signal from a mobile phone, the service request signal including the customer information is transmitted to the financial server and the communication company server, and an authentication signal is received from the communication company server Receiving an approval confirmation signal from the financial institution server and transmitting the approval approval signal to the mobile phone, receiving an approval request signal from the mobile phone, transmitting the approval request signal to the mobile phone server, And transmits a payment signal from the financial company server to the financial company server, and then transmits a payment signal to the communication company server, receives a payment processing signal from the communication company server, And transmits it to the financial company server, An interface unit receiving and transmitting the result signal, receiving the first payment result signal, transmitting the signal to the mobile phone, receiving the second payment result signal from the financial company server, and delivering the second payment result signal; And a service request signal including customer information is checked together with a service request signal including customer information by checking the customer identification information in the service request signal transmitted from the interface unit, reading the customer information corresponding to the customer identification information from the database, A customer information providing unit for transmitting the customer information to the interface unit; The mobile communication terminal confirms the customer identification information and the approval number from the approval confirmation signal transmitted from the interface unit, identifies the cellular phone corresponding to the customer identification information, and transmits the approval request signal to the interface unit together with the approval number. An approval request unit for confirming the customer identification information and the approval number and transmitting an approval request signal including the customer identification information and the approval number to the interface unit; And an authentication unit for confirming the customer identification information, the approval number, and the payment amount in the payment signal transmitted from the interface unit, confirming the communication company server corresponding to the customer identification information and delivering it to the interface unit together with the payment signal, The mobile terminal confirms the customer identification information and the settled amount in the first payment result signal, identifies the mobile phone corresponding to the customer identification information, and transmits the first payment result signal to the interface unit together with the first payment result signal, And a settlement registration unit for checking the customer identification information and the payment amount to recognize completion of the micropayment of the mobile phone and registering the micropayment in the database.

According to still another aspect of the present invention, when a mobile phone generates and transmits a service request signal at the time of a service request of a customer, the server provides a service request signal to confirm the customer identification information, Generating a service request signal including customer information and transmitting the service request signal; The server of the financial company receives the service request signal and confirms and transmits the customer information. The communication company server receives the service request signal, confirms the customer information, authenticates that the customer is a legitimate customer, generates an authentication signal corresponding to the customer information Transmitting; The financial company server receives the authentication signal, confirms the customer information and the settled amount, generates and transmits an approval number, displays the approval number on the screen, inputs a customer's approval number, Generating and transmitting an approval request signal; The server receives the approval request signal and confirms and transmits the customer identification information and the approval number. The financial company server receives the approval request signal to confirm the customer identification information and the approval number, The settlement amount is paid as the payment amount to the virtual account of the customer's name corresponding to the customer identification information, and the payment signal Generating and transmitting; The communication company server receives the payment signal, confirms the customer identification information, the approval number, and the payment amount, deposits the payment amount as the payment amount corresponding to the customer identification information, generates the payment processing signal and the first payment result signal Transmitting; Receiving, by the mobile phone, the first settlement result signal and notifying completion of the settlement of the mobile phone; Receiving the settlement processing signal from the financial company server, confirming the customer identification information and the settlement information, completing settlement processing, and generating and transmitting a second settlement result signal; And receiving the second payment result signal by the mobile payment service providing server, recognizing completion of payment of the mobile phone settlement and registering the mobile payment service providing method.

According to another aspect of the present invention, when a mobile phone generates and transmits a service request signal at the time of a service request of a customer, the mobile phone micro settlement service providing server receives the service request signal to check the customer identification information, Generating a service request signal including customer information and transmitting the service request signal; The server of the financial institution confirms the customer information by receiving the service request signal. The communication company server confirms the customer information by receiving the service request signal, authenticates that the customer is a legitimate customer, generates and transmits an authentication signal corresponding to the customer information step; When the server receives the authentication signal and transmits the authentication signal, the financial company server receives the authentication signal, confirms the customer information and the settlement amount, and generates and transmits an approval confirmation signal; The mobile phone micro settlement service providing server receives the approval confirmation signal, confirms the customer identification information and the approval number, and transmits the approval number. The mobile phone receives the approval number and displays the approval number on the screen, Generating and transmitting an approval request signal at the time of the transmission request; When the server receives the approval request signal and confirms and transmits the customer identification information and the approval number, the financial company server receives the approval request signal to confirm the customer identification information and approval number, Determines whether the previous issuance approval number corresponding to the information agrees with the confirmed approval number to determine approval or disapproval, and subtracts the first fee from the settlement amount from the settlement amount to the customer who corresponds to the customer identification information Generating a payment signal by paying the payment amount to the virtual account of the user's name; When the mobile phone micro settlement service providing server receives the payment signal and confirms and transmits the customer identification information, the approval number and the payment amount, the communication company server receives the payment signal and confirms the customer identification information, approval number and payment amount Generating a settlement processing signal and a first settlement result signal, and transmitting the settlement processing signal and the first settlement result signal, the settlement amount corresponding to the customer identification information, the settlement amount minus a second fee of the communication company, Receiving the first payment result signal and confirming and transmitting the customer identification information and the settlement amount to the mobile phone micro settlement service providing server, the mobile phone receiving the first payment result signal and notifying completion of the micropayment of the mobile phone; When the server receives the settlement processing signal, the financial company server receives the settlement processing signal, confirms the customer identification information and the settlement information, completes the settlement processing, and transmits a second settlement result signal Generating and transmitting; And receiving the second payment result signal by the mobile payment service providing server, recognizing completion of payment of the mobile phone settlement and registering the mobile payment service providing method.

According to the present invention, it is necessary to purchase game money, goods, and the like by providing a system, a server, and a method of providing a mobile phone micropayment service in which a mobile phone fee can be paid with a micropayment when the mobile phone can not pay the current month's rate The illegal company can solve the problem that the small amount of mobile phone can be abused by a method of constantly and cleverly changing to the game money or the purchase cost of the goods and even if the mobile phone charge can not be paid, It is possible to make a payment with a margin of about one month without delinquency, and in case of a communication company, customer management can be carried out without delinquency, thereby improving the efficiency of customer management.

1 is a view for explaining a system for providing a microcontent settlement service according to an embodiment of the present invention.
2 is a flowchart illustrating a server for providing a microcontent payment service in FIG.
FIG. 3 is a diagram for explaining a financial company server shown in FIG. 1. FIG.
4 is a diagram for explaining a communication company server shown in FIG.
5 is a view for explaining a method of providing a mobile phone micro settlement service according to the first embodiment of the present invention.
6 is a view for explaining a method of providing a mobile phone micro settlement service according to a second embodiment of the present invention.

Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings so that those skilled in the art can easily carry out the present invention. However, the description of the present invention is merely an example for structural or functional explanation, and the scope of the present invention should not be construed as being limited by the embodiments described in the text. That is, the embodiments are to be construed as being variously embodied and having various forms, so that the scope of the present invention should be understood to include equivalents capable of realizing technical ideas. Also, the purpose or effect of the present invention should not be construed as limiting the scope of the present invention, since it does not mean that a specific embodiment should include all or only such effect.

The meaning of the terms described in the present invention should be understood as follows.

The terms "first "," second ", and the like are intended to distinguish one element from another, and the scope of the right should not be limited by these terms. For example, the first component may be referred to as a second component, and similarly, the second component may also be referred to as a first component. It is to be understood that when an element is referred to as being "connected" to another element, it may be directly connected to the other element, but there may be other elements in between. On the other hand, when an element is referred to as being "directly connected" to another element, it should be understood that there are no other elements in between. On the other hand, other expressions that describe the relationship between components, such as "between" and "between" or "neighboring to" and "directly adjacent to" should be interpreted as well.

It should be understood that the singular " include "or" have "are to be construed as including a stated feature, number, step, operation, component, It is to be understood that the combination is intended to specify that it does not preclude the presence or addition of one or more other features, integers, steps, operations, elements, components, or combinations thereof.

All terms used herein have the same meaning as commonly understood by one of ordinary skill in the art to which this invention belongs, unless otherwise defined. Commonly used predefined terms should be interpreted to be consistent with the meanings in the context of the related art and can not be interpreted as having ideal or overly formal meaning unless explicitly defined in the present invention.

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS A system, a server, and a method for providing a mobile phone micro settlement service according to an embodiment of the present invention will now be described in detail with reference to the drawings.

1 is a view for explaining a system for providing a microcontent settlement service according to an embodiment of the present invention.

Referring to FIG. 1, a mobile phone micro settlement service providing system 100 includes a plurality of mobile phones 110-1 to 110-N, a mobile phone micro settlement service providing server 120, a database 130, a financial company server 140, A communication company server 150, and a network 160. [

The mobile phones 110-1 to 110-N are terminals (for example, mobile communication terminals such as a smart phone, a mobile phone, and a PDA) used by a customer who desires to receive a mobile phone settlement service, When a customer clicks on a service request button for receiving a microcontent payment service for a mobile phone through an input means such as a keypad, a touch screen, or the like, (Including the customer identification information) to the mobile phone micro settlement service providing server 120, and then receives the approval number transmitted from the financial company server 140, After displaying the authorization number on the screen, if the customer clicks the Submit button after entering the authorization number via the input method, confirm this Generates an approval request signal (including the customer identification information) including the input approval number, transmits the approval request signal to the mobile phone micro settlement service providing server 120, and then receives the first settlement result signal transmitted from the communication company server 150 And confirms the settlement amount from the received first payment result signal to notify the completion of the micropayment of the mobile phone through the display means (or audio output means such as a speaker).

In one embodiment, the mobile phones 110-1 to 110-N may include an application program (i.e., a mobile phone micro settlement service application) for receiving a mobile phone micro settlement service, The user can access the mobile phone micro settlement service providing server 120 through the network 160 by driving the mobile phone micro settlement service application. At this time, after the mobile phones 110-1 to 110-N access the mobile phone micro settlement service providing server 120, an application download request signal for downloading the mobile phone micro settlement service application is generated and the network 160 To the mobile phone micro settlement service providing server 120, and then download and install the micro mobile payment service application received from the mobile phone micro settlement service providing server 120.

In one embodiment, when the mobile phones 110-1 to 110-N access the mobile phone micro settlement service providing server 120 through the network 160 using the mobile phone micro settlement service application, Receives the customer subscription request information from the providing server 120, confirms various agreements and subscription forms from the received customer subscription request information, displays the various approved consents and subscription forms on the screen through the display means, (For example, mobile phone identification information, mobile phone number, etc.) and customer information (for example, name, age, address, customer identification information ID, etc.), a customer password, and the like), it is confirmed that the member registration request signal including the mobile phone related information and the customer information is generated and transmitted to the mobile phone settlement service providing server 120 , And receives the registering completion signal transmitted from the mobile phone billing service server 120. Then jugeona to display on the screen the customer's Register completed by the display means, can give you advice over the sound output means.

In one embodiment, the mobile phones 110-1 to 110-N may receive an approval number transmitted from the mobile phone settlement service providing server 120 and display the approval number on the display unit.

The mobile phone micro settlement service providing server 120 is a server for providing a mobile phone micro settlement service and determines whether or not the mobile phones 110-1 to 110-N connected through the network 160 are legitimate terminals And the service request signal transmitted from the mobile phones 110-1 to 110-N when the identified mobile phones 110-1 to 110-N are legitimate terminals, Receives customer identification information from the received service request signal, reads customer information corresponding to the identified customer identification information from the database 130, and generates a service request signal including the read customer information And transmits it to the financial company server 140 via the network 160. Thereafter, upon receiving an approval request signal transmitted from the mobile phones 110-1 to 110-N, And transmits an approval request signal including the confirmed customer identification information and the approval number to the financial company server 140. Then, the second payment result signal transmitted from the financial company server 140 is received Confirms the customer identification information and the payment amount from the received second payment result signal, and recognizes completion of the micropayment of the mobile phone and registers the same in the database 130.

In one embodiment, the mobile phone micro settlement service providing server 120 receives an app download request signal transmitted from the mobile phones 110-1 to 110-N via the network 160 and registers it in the database 130 After reading the mobile phone settlement service application, the mobile phone can transmit the readout mobile phone settlement service application to the mobile phones 110-1 to 110-N.

In one embodiment, the mobile phone micro settlement service providing server 120 may provide various types of mobile phones 110-1 to 110-N that are connected through the network 160 using a mobile phone micro settlement service application, The mobile phone 110-1 to 110-N receives the member registration request signal transmitted from the mobile phones 110-1 to 110-N, and transmits the received member registration request signal to the mobile phone 110-1 to 110- And can register the confirmed mobile phone related information and the customer information in the database 130 according to the identified customer identification information, and transmits a membership completion signal to inform the completion of the membership of the customer And transmit them to the mobile phones 110-1 to 110-N.

In one embodiment, the mobile phone micro settlement service providing server 120 receives the service request signal transmitted from the mobile phones 110-1 to 110-N, confirms the customer identification information in the received service request signal, Reads the customer information corresponding to the identified customer identification information from the database 130, confirms the communication company server 150 corresponding to the read customer information, and transmits a service request signal including the read customer information to the network 160 And then transmits the received authentication signal to the financial company server 140 through the network 160. The authentication server 150 receives the authentication signal transmitted from the communication company server 150, And then receives an approval confirmation signal transmitted from the financial company server 140 and confirms the customer identification information and the approval number from the received approval confirmation signal, Confirms the mobile phones 110-1 to 110-N corresponding to the identified customer identification information, and transmits the confirmed approval number to the mobile phone 110-N through the character service (or mail, message, image, 1 to 110-N), then receives an approval request signal transmitted from the mobile phones 110-1 to 110-N, confirms the customer identification information and the approval number from the received approval request signal, And transmits an approval request signal including the confirmed customer identification information and the approval number to the financial company server 140. Then, upon receipt of the payment signal transmitted from the financial company server 140, And transmits the received payment signal to the corresponding communication company server 150. The communication company server 150 then transmits the received payment signal to the communication company server 150, transmitted from Receives the second settlement result signal transmitted from the financial company server 140, and transmits the second settlement result signal to the financial company server 140. In this case, The customer identification information and the payment amount to recognize the completion of the micropayment of the mobile phone and register it in the database 130. The first payment result signal transmitted from the communication company server 150 is received, Checks the customer identification information and the settled amount in the payment result signal, confirms the mobile phones 110-1 to 110-N corresponding to the identified customer identification information, and transmits the received first payment result signal to the identified mobile phone (110-1 to 110-N).

The database 130 stores information related to the mobile phones 110-1 to 110-N (e.g., mobile phone identification information, mobile phone number and the like) and customer information (for example, a name, an age, a resident registration number, Information (customer ID, etc.), customer password, whether to make a small payment on the mobile phone, etc.) are stored in a database for each customer identification information.

In one embodiment, the database 130 may store an application program (i.e., a mobile phone micro settlement service application) for providing a mobile phone micro settlement service.

The financial company server 140 receives a service request signal transmitted from the server 120 for providing a micropayment service through the network 160 as a main bank having a micropayment system, a financial intermediation center, Confirms the customer information in the received service request signal, confirms the communication company server 150 corresponding to the confirmed customer information, and transmits a service request signal including the confirmed customer information to the checked communication server server 150 via the network 160 Receives the authentication signal transmitted from the communication company server 150, checks the customer information and the settlement amount (that is, the amount calculated by the mobile phone charge) from the received authentication signal, (110-1 to 110-N) corresponding to the customer information, and obtains an approval number for deciding whether or not to approve the request for the mobile phone settlement service (Or services such as e-mail, messages, images, and the like) to the mobile phones 110-1 to 110-N that have been confirmed and then transmitted to the cellular phone micro settlement service providing server 120 Receives the request signal, confirms the customer identification information and the approval number from the received approval request signal, checks whether the previously issued approval number corresponding to the confirmed customer identification information matches the confirmed approval number (Or a fee, minus the first fee (the commission of the cellular phone settlement service providing server 120) preliminarily set from the confirmed settlement amount) to the confirmed confirmed customer identification Payment is made to the virtual account of the customer's name corresponding to the information, the communication company server 150 corresponding to the confirmed customer identification information is confirmed, (Including the payment amount) including the approval number, and transmits the payment signal including the approval number to the confirmed communication company server 150. Thereafter, upon receipt of the payment processing signal transmitted from the communication company server 150, The customer confirms the payment information such as the customer identification information and the payment amount, completes the payment processing, and confirms the confirmed customer identification information and the payment amount (or the amount obtained by subtracting the third fee (commission of the financial institution) (I.e., mobile phone charge)) and transmits the generated second payment result signal to the mobile phone micro settlement service providing server 120.

In one embodiment, the financial company server 140 may pay the first commission to the account of the mobile phone settlement service providing server 120.

In one embodiment, the financial company server 140 may receive the service request signal transmitted from the mobile phone micro settlement service providing server 120 through the network 160 and check the customer information in the received service request signal, Thereafter, upon receipt of the authentication signal transmitted from the mobile phone micro settlement service providing server 120, the mobile terminal 100 confirms the customer information and the settlement amount (that is, the amount of the mobile phone charge) from the received authentication signal, (Including the approval number and the customer identification information) for determining whether or not to approve the approval to the mobile phone settlement service providing server 120 and then transmit the approval confirmation signal to the mobile phone micro settlement service providing server 120 Receives the approval request signal transmitted from the approval request signal, confirms the customer identification information and approval number from the received approval request signal, The customer's identification information is checked to see whether the previously issued approval number corresponding to the customer identification information matches the confirmed approval number, and the approval or disapproval is determined, and the confirmed payment amount (or the predetermined payment amount 1) fee (the fee for the mobile phone settlement service providing server 120)) is paid as a payment amount to the virtual account of the customer's name corresponding to the confirmed customer identification information, and the confirmed customer identification information and approval number (Including a payment amount) including the amount of money to be transmitted to the mobile phone settlement service providing server 120, and then receives the settlement processing signal transmitted from the mobile phone settlement service providing server 120 Checks the payment information such as the customer identification information and the payment amount in the received payment processing signal to complete the payment processing, And generates a second payment result signal including the payment amount (or the amount obtained by subtracting the third fee (commission of the financial company) previously set in the payment amount (i.e., the mobile phone charge)) to the mobile phone settlement service providing server 120 You can do it.

The communication company server 150 receives the service request signal transmitted from the financial company server 140 through the network 160 and verifies the customer information in the received service request signal to certify that the customer is a legitimate customer, (Including a settlement amount of the customer information and the mobile phone charge) corresponding to the information and transmits the generated authentication signal to the financial company server 140 via the network 160. Then, 140, and confirms the customer identification information, the approval number, and the payment amount in the received payment signal, and confirms the payment amount (or the second fee previously set in the payment amount ) As the settlement amount corresponding to the corresponding customer identification information, and transmits a settlement processing signal (settlement such as the customer identification information and the settlement amount, etc.) (Or the sum of the mobile phone charge, the first fee, the second fee, and the third fee, or the payment amount, the first fee, and the second fee) to the financial company server 140 at the same time, And the first fee), and transmits the first payment result signal to the mobile phones 110-1 to 110-N corresponding to the identified customer identification information Do it.

In one embodiment, the communication company server 150 can calculate the amount of the mobile phone charge (or the amount calculated by including the various fees in the mobile phone charge) (i.e., the settled amount) (For example, a fee corresponding to 3.5% of the mobile phone charge) of the mobile phone micro settlement service providing server 120), a second fee (communication fee) (For example, 4.5% of the mobile phone charge)) and the third fee (the fee for the financial institution (for example, 2% of the mobile phone charge)) ) To the customer's cell phone charges next month.

In one embodiment, the communication company server 150 receives the service request signal transmitted from the mobile phone micro settlement service providing server 120, verifies the customer information in the received service request signal, authenticates that the customer is a legitimate customer, (Including the settlement amount of the customer information and the mobile phone charge) corresponding to the confirmed customer information, and transmits the generated authentication signal to the mobile phone micro settlement service providing server 120 through the network 160 And then receives a payment signal transmitted from the mobile payment service providing server 120 and confirms the customer identification information, the approval number and the payment amount from the received payment signal, and confirms the confirmed payment amount (or, The payment amount is calculated by subtracting the second fee (the commission fee of the communication company) previously set from the payment amount as the payment amount corresponding to the corresponding customer identification information, (Including the payment information such as the customer identification information and the payment amount) to the mobile phone settlement service providing server 120. At the same time, the settlement amount signal (or mobile phone charge, A first payment result signal (including a sum of the first fee, the second fee, and the third fee, or the sum of the payment amount, the first fee and the second fee, or the sum of the payment amount and the first fee) Identification information) to be transmitted to the mobile phone settlement service providing server 120.

The network 160 includes a wired communication network or a wireless communication network and includes a communication between a plurality of mobile phones 110-1 to 110-N and a mobile phone settlement service providing server 120, a plurality of mobile phones 110-1 to 110- Communication between the plurality of mobile phones 110-1 to 110-N and the corresponding communication company server 150, communication between the mobile phone micro settlement service providing server 120, And the financial company server 140, and the communication between the financial company server 140 and the communication company server 150 to perform data transmission / reception with each other.

In one embodiment, the network 160 may connect the communication between the cellular phone settlement service providing server 120 and the communication company server 150 to transmit and receive data between each other.

When the mobile payment service providing system 100 having the above-described configuration fails to pay the current monthly rate of the mobile phone, a small amount of money is sent from the mobile phones 110-1 to 110-N to the mobile phone micro settlement service providing server 120 The mobile payment service providing server 120 requests the mobile phone server 140 for a mobile phone settlement service. Accordingly, the mobile phone server 140 requests the mobile phone server 140 to pay the mobile phone fee, 150), it is not necessary to purchase game money, goods, etc. by adding a small amount of the mobile phone charge to the mobile phone charge of the next month, so that a small amount of mobile phone can be constantly and cleverly handled by an illegal company, And thus, even if the mobile phone fee can not be paid, it is also compatible with the purpose of utilizing the public finance It is possible to make a payment with a margin of about one month without delinquent mobile phone, and in the case of a communication company, customer management can be carried out without delinquency, thereby improving the efficiency of customer management.

2 is a view for explaining a mobile phone settlement service providing server shown in FIG.

2, the mobile phone micro settlement service providing server 120 includes an interface unit 121, a customer information providing unit 122, an approval request unit 123, and a payment registration unit 124.

The interface unit 121 transmits and receives data in cooperation with the plurality of mobile phones 110-1 to 110-N or the financial company server 140 through the network 160. [ At this time, the interface unit 121 confirms whether or not the mobile phones 110-1 to 110-N connected through the network 160 are legitimate terminals (for example, whether the customer ID and the customer password match each other) And receives the service request signal transmitted from the mobile phones 110-1 to 110-N when the identified mobile phones 110-1 to 110-N are legitimate terminals, And transmits the service request signal transmitted from the customer information providing unit 122 to the financial company server 140. Thereafter, the approval request transmitted from the mobile phones 110-1 to 110- And transmits the received approval request signal to the approval requesting unit 123 and then transmits an approval request signal from the approval requesting unit 123 to the financial company server 140. Then, Receives a second settlement result signal transmitted from the second settlement unit 140 Receiving the received second pass gives the payment result signal to the billing register (124).

In one embodiment, an automatic login request signal is generated for automatically authenticating whether the mobile phones 110-1 to 110-N are legitimate terminals (for example, whether the customer ID and the customer password are matched) The interface unit 121 receives an automatic login request signal transmitted from the mobile phones 110-1 to 110-N and transmits the automatic login request signal to the mobile phone micro settlement service providing server 120 And notifies the cellular phones 110-1 to 110-N of the completion of the authentication.

In one embodiment, the interface unit 121 receives a service request signal transmitted from the mobile phones 110-1 to 110-N and transmits the received service request signal to the customer information providing unit 122, The service request signal transmitted from the customer information providing unit 122 can be transmitted to the communication company server 150 confirmed by the financial company server 140 and the customer information providing unit 122 and then transmitted from the communication company server 150 And then transmits the received authentication signal to the financial company server 140. Then, upon receiving the approval confirmation signal transmitted from the financial company server 140, (Or a service such as a mail, a message, an image, and the like) transmitted from the approval requesting unit 123 to the mobile phones 110-1 to 110 -N) And then receives an approval request signal transmitted from the mobile phones 110-1 to 110-N and transmits the received approval request signal to the approval request unit 123 and then transmitted from the approval request unit 123 The settlement registration unit 124 transmits the approval request signal to the financial company server 140 and then receives the payment signal transmitted from the financial company server 140 and transmits the received payment signal to the settlement registration unit 124, To the communication company server 150 corresponding to the customer identification information confirmed by the payment registration unit 124, and then receives the payment processing signal transmitted from the communication company server 150, And then transmits the settlement processing signal to the financial company server 140. Thereafter, the second settlement result signal transmitted from the financial company server 140 is received and the received second settlement result signal is transmitted to the settlement server 140 And receives the first payment result signal transmitted from the communication company server 150 and transmits the received first payment result signal to the payment registration unit 124. The payment registration unit 124 To the mobile phones 110-1 to 110-N corresponding to the customer identification information confirmed by the payment registration unit 124. [

The customer information providing unit 122 confirms the customer identification information in the service request signal transmitted from the interface unit 121, reads the customer information corresponding to the identified customer identification information from the database 130, Generates a service request signal including customer information, and transmits the generated service request signal to the interface unit 121.

In one embodiment, the customer information providing unit 122 can identify the communication company server 150 corresponding to the read customer information and transmit the same to the interface unit 121 together with the service request signal.

The approval request unit 123 confirms the customer identification information and the approval number from the approval request signal transmitted from the interface unit 121 and transmits an approval request signal including the confirmed customer identification information and the approval number to the interface unit 121. [ .

In one embodiment, the approval requesting unit 123 confirms the customer identification information and the approval number from the approval confirmation signal transmitted from the interface unit 121, and identifies the mobile phone 110-1 to 110- 110-N), and may transmit the confirmed approval number to the interface unit 121.

The settlement registration unit 124 confirms the customer identification information and the settlement amount from the second settlement result signal transmitted from the interface unit 121 and recognizes completion of the settlement of the mobile phone settlement and registers the settlement amount in the database 130.

In one embodiment, the settlement registration unit 124 confirms the customer identification information, the approval number, and the payment amount from the payment signal transmitted from the interface unit 121, and registers the communication company server 150 corresponding to the identified customer identification information, And transmits the received payment signal to the interface unit 121. In addition, the first payment result signal transmitted from the interface unit 121 confirms the customer identification information and the settled amount, It may check the mobile phones 110-1 to 110-N corresponding to the identification information and transmit it to the interface unit 121 together with the received first payment result signal.

The mobile phone micro settlement service providing server 120 having the above-described configuration may further include an app management unit (not shown in the drawing for convenience of explanation). Here, the app management unit receives the app download request signal transmitted from the mobile phones 110-1 to 110-N through the interface unit 121, reads the mobile phone settlement service application registered in the database 130, And transmits the readout mobile phone micro settlement service application to the mobile phones 110-1 to 110-N via the interface unit 121. [

The mobile phone micro settlement service providing server 120 having the above-described configuration may further include a member registration managing unit (not shown in the drawing for convenience of explanation). Here, when the mobile phones 110-1 to 110-N access the mobile phone using the mobile phone settlement service application, the member registration management unit generates customer sign-up request information including various agreement and subscription for membership of the customer, And transmits the membership registration request signal transmitted from the mobile phones 110-1 to 110-N through the interface unit 121 to the mobile phones 110-1 to 110-N Related information and customer information in the received member registration request signal and registers the confirmed mobile phone related information and customer information in the database 130 according to the identified customer identification information, A membership completion signal for notifying completion of membership can be generated and transmitted to the mobile phones 110-1 to 110-N through the interface unit 121. [

FIG. 3 is a diagram for explaining a financial company server shown in FIG. 1. FIG.

3, the financial company server 140 includes an interface unit 141, a service request unit 142, an approval number providing unit 143, a payment system 144, and a payment result providing unit 145 .

The interface unit 141 transmits and receives data in cooperation with the plurality of mobile phones 110-1 to 110-N or the mobile phone micro settlement service providing server 120 or the communication company server 150 through the network 160. [ At this time, the interface unit 141 receives the service request signal transmitted from the cellular phone micro settlement service providing server 120 through the network 160 and transmits the received service request signal to the service request unit 142 And transmits the service request signal transmitted from the service request unit 142 to the communication company server 150 identified by the service request unit 142. After receiving the authentication signal transmitted from the communication company server 150, Transmits the authentication signal to the approval number providing unit 143 and then transmits the approval number transmitted from the approval number providing unit 143 to the mobile phones 110-1 to 110-N confirmed by the approval number providing unit 143 And then receives an approval request signal transmitted from the mobile payment service providing server 120 and transmits the received approval request signal to the payment application 144, And transmits the uncompleted call to the communication company server 150. Then, upon receiving the settlement processing signal transmitted from the communication company server 150, the received settlement processing signal is transmitted to the settlement result providing unit 145, And transmits the second payment result signal transmitted from the provider 145 to the mobile phone settlement service providing server 120.

The service request unit 142 confirms the customer information in the service request signal transmitted from the interface unit 141, identifies the communication company server 150 corresponding to the confirmed customer information, and transmits the service including the confirmed customer information And transmits the request signal to the interface unit 141.

The approval number providing unit 143 confirms the customer information and the settlement amount (that is, the amount of the mobile phone charge) calculated from the authentication signal transmitted from the interface unit 141, -1 to 110-N), generates an approval number for deciding whether or not to approve the request for a mobile phone settlement service, and transmits the approval number to the interface unit 141 as a character service (or a service such as a mail, a message and an image) It delivers.

The payment agent study 144 confirms the customer identification information and the approval number in the approval request signal transmitted from the interface unit 141 and confirms the approval number issued by the approval number providing unit 143 in response to the confirmed customer identification information, (The mobile phone micro settlement service providing server 120), which is previously set in the settlement amount confirmed by the approval number providing unit 143, after confirming whether or not the approved approval number matches the confirmed approval number, The payment amount is paid to the virtual account of the customer's name corresponding to the confirmed customer identification information, and then the communication company server 150 corresponding to the confirmed customer identification information is confirmed, (Including the payment amount) including the confirmed customer identification information and the approval number and transmits the generated payment signal to the interface unit 141. [

In one embodiment, the payment processor 144 may pay the first commission to the account of the mobile phone micropayment service providing server 120.

The settlement result providing unit 145 confirms payment information such as the customer identification information and the payment amount in the settlement processing signal transmitted from the interface unit 141 and completes the settlement processing. And generates a second settlement result signal including the amount of money (i.e., a mobile phone charge) minus a predetermined third fee (commission of the financial company), and transmits the generated second settlement result signal to the interface unit 141.

4 is a diagram for explaining a communication company server shown in FIG.

4, the communication company server 150 includes an interface unit 151, an authentication system 152, a payment processing unit 153, and a settlement result providing unit 154.

The interface unit 151 transmits and receives data in cooperation with the plurality of mobile phones 110-1 to 110-N or the financial company server 140 through the network 160. [ At this time, the interface unit 151 receives the service request signal transmitted from the financial company server 140 through the network 160, transmits the received service request signal to the authentication system 152, Receives the payment signal transmitted from the financial company server 140, and transmits the received payment signal to the payment processing unit 153. Then, the payment processing unit 153 receives the payment signal transmitted from the financial company server 140, To the financial company server 140 and then transmits the first settlement result signal transmitted from the settlement result providing unit 154 to the customer identification information confirmed by the settlement processing unit 153 To the mobile phones 110-1 to 110-N.

The authentication system 152 verifies the customer information in the service request signal transmitted from the interface unit 151 to certify that the user is a legitimate customer and transmits an authentication signal corresponding to the confirmed customer information And transmits the generated authentication signal to the interface unit 151.

The settlement processing unit 153 confirms the customer identification information, the approval number, and the payment amount from the payment signal transmitted from the interface unit 151 and subtracts the second fee (the communication fee of the communication company) previously set from the confirmed payment amount (Payment information such as the customer identification information and the payment amount) for payment processing for the payment amount, and transmits the generated payment information And transfers the processing signal to the interface unit 151.

When the settlement processing unit 153 has completed the settlement processing, the settlement result providing unit 154 sets the settlement amount or the sum of the mobile phone charge, the first commission, the second commission, and the third commission, A first settlement result signal including at least one of the sum of the first fee and the second fee, or the sum of the payment amount and the first fee, and transmits the generated first settlement result signal to the interface unit 151 .

The communication company server 150 having the above-described configuration may further include a settlement processing unit (not shown in the drawings for convenience of explanation). Here, the settlement processing unit may calculate the amount of the cell phone charge (or the amount calculated by including the various commissions on the cell phone charge) (that is, the settled amount).

The communication company server 150 having the above-described configuration may further include a billing unit (not shown in the drawing for convenience of explanation). Here, the billing unit is a billing unit that receives the settlement amount calculated by the settlement processing unit (or the mobile fee, the first fee set up (the fee of the mobile phone bill settlement service providing server 120 (for example, 3.5% (For example, the amount equivalent to 4.5% of the mobile phone charge)), and the third fee (the fee of the financial institution (for example, the mobile phone charge )) To the customer's cell phone charges in the following month, and charge the customer.

5 is a view for explaining a method of providing a mobile phone micro settlement service according to the first embodiment of the present invention.

5, the mobile phones 110-1 to 110-N, which are terminals (for example, mobile communication terminals such as a smart phone, a mobile phone, a PDA, etc.) used by a customer who desires to receive a mobile phone micro settlement service, , And then transmits an app download request signal for downloading the mobile phone settlement service application to the mobile phone settlement service providing server 120 and transmits the generated app download request signal to the mobile phone settlement server 160 via the network 160 To the mobile phone micropayment service providing server 120, which is a server for providing the service. The mobile phone settlement service providing server 120 receives the application download request signal transmitted from the mobile phones 110-1 to 110-N via the network 160 and transmits the application download request signal to the mobile phone micro settlement (I.e., a mobile phone micro settlement service application) for receiving the service, and then transmits the read mobile micro payment service app to the mobile phones 110-1 to 110-N. Accordingly, the mobile phones 110-1 to 110-N download and install a mobile phone settlement service application received from the mobile phone settlement service providing server 120. [

After the mobile phone settlement service application is installed as described above, when the customer requests the application to be driven through an input means such as a keypad, a touch screen, etc., the mobile phones 110-1 to 110- The micro-payment service application of the mobile phone is activated by confirming the application activation request of the customer, so that the micro-payment service providing server 120 is accessed through the network 160. At this time, in the mobile phone settlement service providing server 120, the mobile phone 110-1 to 110-N connected through the network 160 using the mobile phone settlement service application, And then transmits the generated information to the customer.

When the cellular phones 110-1 to 110-N access the cellular phone micro settlement service providing server 120 through the network 160 using the cellular phone micro settlement service application as described above, Receives the customer subscription request information from the server 120, confirms various agreements and subscription forms from the received customer subscription request information, and displays the various approved consents and subscription forms on the screen through the display means. At this time, the customer inputs information (for example, mobile phone identification information, mobile phone number, etc.) related to the mobile phones 110-1 to 110-N and customer information (for example, name, The mobile phone 110-1 to 110-N confirms the mobile phone related information and the customer information input through the input means, and transmits the confirmed mobile phone related information And transmits the member registration request signal including information and customer information to the mobile phone settlement service providing server 120.

In the case of transmitting the member registration request signal as described above, the mobile phone micro settlement service providing server 120 receives the member registration request signal transmitted from the mobile phones 110-1 to 110-N, Related information and customer information in the request signal, registers the confirmed mobile phone-related information and customer information in the database 130 according to the confirmed customer identification information, and registers the member to inform the completion of the membership of the customer And transmits the generated completion signal to the mobile phones 110-1 to 110-N. Accordingly, the mobile phones 110-1 to 110-N receive the membership completion signal transmitted from the mobile phone settlement service providing server 120 and display the completion of membership of the customer on the screen through the display means, Output means.

On the other hand, when the customer clicks on the service request button for receiving the mobile phone micro settlement service through the input means in order to request the customer to pay the mobile phone charge by the micropayment, The mobile phones 110-1 to 110-N check the service request button clicked through the input means and connect to the mobile phone micro settlement service providing server 120 through the mobile phone micro settlement service application Next, a service request signal (including customer identification information) is generated and transmitted to the mobile phone micro settlement service providing server 120 (S501).

In the case of transmitting the service request signal in the above-described step S501, the mobile phone micro settlement service providing server 120 determines whether or not the mobile phones 110-1 to 110-N connected through the network 160 are legitimate terminals (E.g., whether the customer ID and the customer password match each other), and if the confirmed mobile phones 110-1 to 110-N are legitimate terminals, the service transmitted from the mobile phones 110-1 to 110-N Receives the request signal, identifies the customer identification information in the received service request signal, reads the customer information corresponding to the identified customer identification information from the database 130, and transmits a service request signal including the read customer information And transmits the generated service request signal to the financial service server 140, such as a main bank, a financial intermediation center, or a financial settlement center, having a micropayment system via the network 160 (S502).

When the service request signal is transmitted in step S502, the financial service server 140 receives the service request signal transmitted from the server 120 for providing the micropayment service through the network 160, And confirms the communication company server 150 corresponding to the identified customer information and transmits a service request signal including the confirmed customer information to the communication server 150 that has confirmed the customer information through the network 160 (S503).

When the service request signal is transmitted in step S503, the communication company server 150 receives the service request signal transmitted from the financial company server 140 through the network 160 and receives customer information from the received service request signal (Including the amount of settlement of the customer information and the mobile phone charge (that is, the settlement amount)) corresponding to the confirmed customer information, and transmits the generated authentication signal to the network To the financial company server 140 through the server 160 (S504).

In step S504, the communication company server 150 can calculate the amount of the mobile phone charge (i.e., the amount of settlement) calculated. In this case, the mobile phone charge may include various fees (for example, a first fee (For example, an amount corresponding to 3.5% of the mobile phone charge) of the micropayment service providing server 120, a second fee (a fee of the communication company (for example, 4.5% And the third commission (the sum of the commission of the financial institution (for example, 2% of the mobile phone charge)))) may be calculated.

When the authentication signal is transmitted in the above-described step S504, the financial company server 140 receives the authentication signal transmitted from the communication company server 150 and calculates the customer information and the settlement amount (that is, And confirms the cellular phones 110-1 to 110-N corresponding to the confirmed customer information, generates an approval number for determining whether or not to approve the request for the mobile phone settlement service, Or services such as e-mail, messages, images, etc.) to the identified mobile phones 110-1 to 110-N (S505).

When the approval number is transmitted in the above-described step S505, the mobile phones 110-1 to 110-N receive the approval number transmitted from the financial company server 140, and display the approval number on the screen through the display means . At this time, when the customer clicks the transfer button after inputting the approval number through the input means (that is, upon request for transfer after inputting the approval number of the customer), the mobile phones 110-1 to 110- (Including the customer identification information) including the entered approval number, and transmits the generated approval request signal to the mobile phone settlement service providing server 120 (S506).

When the approval request signal is transmitted in the above-described step S506, the mobile phone micropayment service providing server 120 receives the approval request signal transmitted from the mobile phones 110-1 to 110-N, The customer identification information and the approval number, and transmits an approval request signal including the confirmed customer identification information and approval number to the financial company server 140 (S507).

When the approval request signal is transmitted in the above-described step S507, the financial company server 140 receives the approval request signal transmitted from the mobile phone micro settlement service providing server 120, and obtains the customer identification information and approval And checks whether or not the previously issued approval number corresponding to the identified customer identification information (that is, the approval number generated in step S505) matches the approved approval number, and determines whether or not to approve it Paying the confirmed settlement amount to the virtual account of the customer's name corresponding to the identified customer identification information, confirming the communication company server 150 corresponding to the identified customer identification information, (Including the payment amount) including the confirmed customer identification information and the approval number, and transmits the payment signal to the checked communication server 150 (S508).

In the above-described step S508, the financial company server 140 transmits the first fee (the commission of the mobile phone micro settlement service providing server 120) previously set by the mobile phone micro settlement service providing server 120 , The payment amount obtained by subtracting the first fee set in advance from the settlement amount confirmed in the above-described step S508 may be paid as the payment amount to the virtual account of the customer's name corresponding to the identified customer identification information.

When transmitting the payment signal in the above-described step S508, the communication company server 150 receives the payment signal transmitted from the financial company server 140 and confirms the customer identification information, the approval number, and the payment amount from the received payment signal , The payment settlement amount corresponding to the identified customer identification information is settled to the settlement amount, the first settlement result signal including the settlement amount is generated after the settlement of the mobile phone delinquency, and the mobile phone corresponding to the identified customer identification information 110-1 to 110-N) (S509).

In step S509 described above, in order to pay the second fee (commission fee of the communication company) previously set by the communication company server 150 itself (that is, the communication company server 150) The payment amount may be set as a payment amount corresponding to the customer identification information.

In the above-described step S509, the communication company server 150 calculates the sum of the mobile phone charge, the first fee, the second fee, and the third fee, or the sum of the payment amount, the first fee and the second fee, And an amount of money that is a sum of the first fee and the first fee.

In the case of transmitting the first payment result signal in the above-described step S509, the mobile phones 110-1 to 110-N receive the first payment result signal transmitted from the communication company server 150, (Or audio output means such as a speaker or the like) to confirm the completion of the microcontact settlement of the mobile phone.

At the same time as transmitting the first payment result signal in step S509, the communication company server 150 transmits a payment processing signal (including the payment information such as the customer identification information and the payment amount) for payment processing to the payment amount And transmits the generated payment processing signal to the financial company server 140 (S510).

In step S510, the communication company server 150 transmits the settlement amount calculated in step S504 (or the mobile fee, the first fee (the commission of the mobile phone micro settlement service providing server 120 (For example, the amount corresponding to 3.5% of the mobile phone charge)), the second fee (the carrier's fee (for example, 4.5% of the mobile phone charge)) and the third fee (For example, a sum of 2% of the mobile phone charge)) may be added to the customer's mobile phone bill next month to charge the customer.

When the settlement processing signal is transmitted in the above-described step S510, the financial company server 140 receives the settlement processing signal transmitted from the communication company server 150, and receives settlement of the customer identification information and the settlement amount from the received settlement processing signal Generates a second payment result signal including the confirmed customer identification information and the payment amount, and transmits a second payment result signal generated by the server to the mobile phone micropayment service providing server 120 (S511).

In step S511 described above, in order to pay the third commission (commission of the financial company) previously set by the financial company server 140 itself (that is, the financial company server 140) (I.e., mobile phone charge) minus the third fee that has been set in advance.

In the above-described step S511, the financial company server 140 may pay the first commission to the account of the mobile phone micro settlement service providing server 120. [

In the case where the second settlement result signal is transmitted in step S511, the mobile phone settlement service providing server 120 receives the second settlement result signal transmitted from the financial company server 140, (Or the mobile phone charge), recognizes completion of the mobile phone micro settlement, and registers it in the database 130. [

6 is a view for explaining a method of providing a mobile phone micro settlement service according to a second embodiment of the present invention.

Referring to FIG. 6, steps S601 and S602 are similar to the operations of steps S501 and S502 shown in FIG. 5, and therefore, a description thereof will be omitted. At this time, the mobile phone micro settlement service providing server 120 receives the service request signal transmitted from the mobile phones 110-1 to 110-N, confirms the customer identification information in the received service request signal, Reads the customer information corresponding to the identification information from the database 130, confirms the communication company server 150 corresponding to the read customer information, and transmits a service request signal including the read customer information to the network 160 And transmits it to the confirmed communication company server 150 (S603).

Upon transmitting the service request signal in the above-described step S603, the communication company server 150 receives the service request signal transmitted from the mobile phone micro settlement service providing server 120 and checks customer information in the received service request signal (Including a settlement amount of the customer information and the mobile phone charge) (i.e., a settlement amount) corresponding to the confirmed customer information, and transmits the authentication signal to the mobile phone micro settlement service To the providing server 120 (S604).

When the authentication signal is transmitted in the above-described step S604, the mobile phone micro settlement service providing server 120 receives the authentication signal transmitted from the communication company server 150 and transmits the received authentication signal through the network 160 (Step S605).

When the authentication signal is transmitted in the above-described step S605, the financial company server 140 receives the service request signal transmitted from the mobile phone micropayment service providing server 120 in the above-described step S602, After confirming the information, in step S605, the mobile terminal 100 receives the authentication signal transmitted from the mobile phone micro settlement service providing server 120 and confirms the customer information and the settlement amount (that is, the amount of the mobile phone charge) And generates an approval confirmation signal (including approval number and customer identification information) for determining whether or not to approve the request for a mobile phone settlement service (S606).

When the approval number is transmitted in the above-described step S606, the mobile phone micropayment service providing server 120 receives the approval confirmation signal transmitted from the financial company server 140 and acquires the customer identification information and approval The mobile phone 110-1 to 110-N corresponding to the identified customer identification information, and confirms the confirmed approval number as a text service (or a service such as a mail, a message, an image, etc.) And transmitted to the identified mobile phones 110-1 to 110-N (S607).

When the approval number is transmitted in the above-described step S607, the mobile phones 110-1 to 110-N receive the approval number transmitted from the mobile phone micropayment service providing server 120 and display the approval number on the display unit Display. At this time, when the customer clicks the transfer button after inputting the approval number through the input means, the mobile phones 110-1 to 110-N check the transfer button click through the input means, (Including the customer identification information) including the number (step S608), and transmits the generated approval request signal to the mobile phone micro settlement service providing server 120 (S608).

When the approval request signal is transmitted in the above-described step S608, the mobile phone micro settlement service providing server 120 receives the approval request signal transmitted from the mobile phones 110-1 to 110-N, The customer identification information and the approval number, and transmits an approval request signal including the confirmed customer identification information and approval number to the financial company server 140 (S609).

When the approval request signal is transmitted in the above-described step S609, the financial company server 140 receives the approval request signal transmitted from the mobile phone micropayment service providing server 120 and obtains the customer identification information and approval And confirms whether or not the previously issued approval number corresponding to the identified customer identification information matches the corresponding approved approval number and determines whether or not the approval amount is confirmed. (The fee for the mobile phone settlement service providing server 120) minus the first fee (the fee for the mobile phone settlement service providing server 120) previously paid out from the account settlement amount, to the virtual account of the customer's name corresponding to the confirmed customer identification information, (Including the payment amount) including the confirmed customer identification information and the approval number, and transmits the payment signal to the mobile phone settlement service providing server 120 It is (S610).

When the payment signal is transmitted in the above-described step S610, the mobile phone micropayment service providing server 120 receives the payment signal transmitted from the financial company server 140 and acquires customer identification information, approval number, and payment Checks the amount of money, confirms the communication company server 150 corresponding to the identified customer identification information, and transmits the received payment signal to the checked communication company server 150 (S611).

When the payment signal is transmitted in the above-described step S611, the communication company server 150 receives the payment signal transmitted from the mobile phone micro settlement service providing server 120 and acquires the customer identification information, approval number, and payment (Or the sum of the mobile phone charge, the first fee, the second fee and the third fee, or the sum of the payment amount, the first fee and the second fee, or the payment amount and the first fee (Including the customer identification information) to the mobile phone settlement service providing server 120 (S612).

When the first settlement result signal is transmitted in step S612, the mobile phone settlement service providing server 120 receives the first settlement result signal transmitted from the communication company server 150 and transmits the received first settlement result signal And confirms the mobile phones 110-1 to 110-N corresponding to the identified customer identification information, and transmits the received first payment result signal to the identified mobile phone 110- 1 to 110-N (S613).

The communication company server 150 transmits the first payment result signal in the above-described step S613, and at the same time, the communication company server 150 transmits the payment amount confirmed in the above-described step S612 (or subtracting the second fee (the communication fee of the communication company) Amount) corresponding to the customer identification information confirmed in the above-described step S612 as a payment amount, and generates a payment processing signal (including payment information such as the customer identification information and the payment amount) for payment processing for the payment amount To the mobile phone micro settlement service providing server 120 (S614).

When the settlement processing signal is transmitted in the above-described step S614, the mobile phone micro settlement service providing server 120 receives the settlement processing signal transmitted from the communication company server 150 and transmits the received settlement processing signal to the financial company server 140, (S615).

When the payment processing signal is transmitted in the above-described step S615, the financial company server 140 receives the payment processing signal transmitted from the mobile phone micropayment service providing server 120, (Or a mobile phone charge) obtained by subtracting a third fee (a fee for a financial company) previously set in the payment amount (or a payment amount) from the confirmed customer identification information and the payment amount, And transmits the second payment result signal to the mobile phone settlement service providing server 120 (S616).

When the second settlement result signal is transmitted in the above-described step S616, the mobile phone micro settlement service providing server 120 receives the second settlement result signal transmitted from the financial company server 140, The customer identification information and the payment amount, and recognizes completion of the micropayment of the mobile phone and registers it in the database 130.

As described above, the embodiment of the present invention is not limited to the above-described apparatus and / or method, but may be implemented by a program for realizing a function corresponding to the configuration of the embodiment of the present invention and a recording medium on which the program is recorded And the present invention can be easily implemented by those skilled in the art from the description of the embodiments described above. While the present invention has been particularly shown and described with reference to exemplary embodiments thereof, it is to be understood that the invention is not limited to the disclosed exemplary embodiments, It belongs to the scope of right.

100: Small-size payment service provision system
110-1 to 110-N: Mobile phone
120: Server for providing a mobile payment service
121, 141, and 151:
122: Customer information offerer
123: approval request unit
124: Payment registration
130: Database
140: Financial company server
142: Service request section
143: Approval number
144: Payment System Study
145, and 154:
150:
152: Certification course study
153:
160: Network

Claims (10)

Generates a service request signal at the time of a service request of the customer, transmits the service request signal, displays the approval number on the screen, generates an approval request signal upon transmission request after inputting the approval number of the customer, A plurality of mobile phones for receiving and notifying completion of a micropayment of a mobile phone;
Receives a service request signal from the cellular phone, confirms customer identification information, reads customer information corresponding to the customer identification information, generates and transmits a service request signal including customer information, receives an approval request signal from the cellular phone, A mobile phone micro settlement service providing server for confirming and transmitting the identification information and the approval number, receiving the second payment result signal, and recognizing and registering completion of the micropayment of the mobile phone;
Receives a service request signal from the mobile phone micro settlement service providing server and confirms and transmits the customer information, receives the authentication signal, confirms the customer information and the settlement amount, generates an approval number and transmits the approval number to the mobile phone, Receives the approval request signal from the settlement service providing server, confirms the customer identification information and the approval number, confirms whether the previous issuance approval number corresponding to the customer identification information matches the verified approval number and determines whether or not to approve the settlement amount, To the virtual account of the customer's name corresponding to the customer identification information, generates a payment signal, transmits the payment signal, receives the payment processing signal, confirms the customer identification information and the payment information to complete the payment process, A second server for generating a second settlement result signal and transmitting the second settlement result signal to the mobile phone settlement service providing server; And
Receives a service request signal from the financial company server, verifies customer information, authenticates that the customer is a legitimate customer, generates an authentication signal corresponding to customer information and transmits the authentication signal to the financial company server, receives a payment signal from the financial company server, And transmits a payment processing signal to the financial company server, generates a first payment result signal, and transmits the first payment result signal to the mobile phone A mobile communication terminal, and a mobile communication server.
The communication terminal according to claim 1,
Wherein the settlement amount calculation unit calculates a settlement amount based on the first fee, the second fee, and the third fee of the financial institution of the mobile phone micro settlement service providing server in the mobile phone charge.
The method according to claim 1, wherein the mobile phone micro settlement service providing server comprises:
Receives a service request signal from the mobile phone and transmits the service request signal to the financial service server, receives the service request signal including the customer information, transmits the service request signal to the financial service server, receives the approval request signal from the mobile phone, And transmits the second approval result signal to the financial company server and receives the second payment result signal from the financial company server,
A customer information providing unit for receiving customer information from the service request signal transmitted from the interface unit, reading customer information corresponding to the customer identification information from the database, generating a service request signal including customer information, ;
An approval request unit for confirming the customer identification information and the approval number in the approval request signal transmitted from the interface unit and transmitting an approval request signal including the customer identification information and the approval number to the interface unit; And
And a payment registering unit for checking the customer identification information and the payment amount from the second payment result signal transmitted from the interface unit, recognizing completion of the mobile phone settlement and registering the settlement result in the database.
4. The cellular mobile payment service providing server according to claim 3,
When the mobile phone accesses the mobile phone using the microcontent payment service application, generates the customer subscription request information including the agreement and the subscription form, transmits the customer subscription request information to the mobile phone through the interface unit, receives the member registration request signal from the mobile phone, Further comprising a member registration management unit for registering the mobile phone related information and the customer information in the database according to the customer identification information and generating a membership completion signal and transmitting the signal to the mobile phone, Delivery system.
The system according to claim 1,
Receives a service request signal from the mobile phone micro settlement service providing server and transmits the service request signal to the communication company server after receiving the service request signal including the customer information, receives the authentication signal from the communication company server, Receives a payment request signal from the mobile payment service providing server, and transmits the payment request signal to the communication company server, receives a payment processing signal from the communication company server, and transmits the payment request signal to the mobile phone server An interface unit for receiving the second payment result signal and transmitting the second payment result signal to the mobile payment service providing server;
A service request unit for confirming customer information in a service request signal transmitted from the interface unit, confirming a communication company server corresponding to customer information, and transmitting a service request signal including customer information to the interface unit;
An approval number providing unit for confirming the customer information and the settled amount in the authentication signal transmitted from the interface unit, confirming the cellular phone corresponding to the customer information, generating the approval number, and transmitting the approval number to the interface unit.
The customer identification information and the approval number are checked in the approval request signal transmitted from the interface unit, and whether or not the approval number issued by the approval number providing unit matches the approved approval number in correspondence with the customer identification information is confirmed, And a payment amount obtained by subtracting the first fee from the mobile phone micropayment service providing server from the settlement amount is paid as a payment amount to the virtual account of the customer's personal name corresponding to the customer identification information and the communication company server corresponding to the customer identification information is checked And generates a payment signal including the customer identification information, the approval number, and the payment amount, and transmits the payment signal to the interface unit; And
A second settlement result signal including an amount obtained by subtracting the third commission of the financial company from the settlement amount of the customer identification information and the settlement information, And a payment result providing unit for transmitting the generated payment result to the interface unit.
The communication terminal according to claim 1,
Receiving a service request signal from the financial company server and transmitting the received authentication signal to the financial company server, receiving a payment signal from the financial company server, transmitting the settlement processing signal to the financial company server, An interface unit that receives the first payment result signal and transmits the first payment result signal to a cellular phone corresponding to the customer identification information;
An authentication unit for verifying customer information in a service request signal transmitted from the interface unit to authenticate a legitimate customer and transmitting an authentication signal including a settled amount corresponding to customer information to the interface unit;
An approval number and a payment amount from the payment signal transmitted from the interface unit, and an amount obtained by subtracting the second fee of the communication company from the payment amount is paid as a payment amount corresponding to the customer identification information, A settlement processing unit for generating a settlement processing signal including settlement information and delivering the settlement processing signal to the interface unit; And
And a settlement result providing unit for generating a first settlement result signal including a settlement amount at the completion of settlement processing of the settlement processing unit and delivering the first settlement result signal to the interface unit.
Generates a service request signal at the time of a service request of the customer, transmits the service request signal, displays the approval number on the screen, generates an approval request signal upon transmission request after inputting the approval number of the customer, A plurality of mobile phones for receiving and notifying completion of a micropayment of a mobile phone;
Receives a service request signal from the cellular phone, checks customer identification information to read customer information corresponding to customer identification information, generates and transmits a service request signal including customer information, receives an authentication signal, Receives an approval request signal from the mobile phone, confirms and transmits the customer identification information and the approval number, receives the payment signal, and transmits the approval signal to the customer Receives the payment processing signal, receives the first payment result signal, confirms the customer identification information and the settlement amount, and transmits the identification information, the approval number, and the payment amount to the mobile phone, A mobile phone micro settlement service providing server for receiving a signal and recognizing and registering completion of a micro settlement of the mobile phone;
Receives the service request signal from the mobile phone micro settlement service providing server to confirm the customer information, receives the authentication signal from the mobile phone micro settlement service providing server, confirms the customer information and the settlement amount, generates an approval confirmation signal, Receiving the approval request signal from the server for providing the micropayment service, checking the customer identification information and the approval number, and comparing the previous issue approval number and the confirmed approval number corresponding to the customer identification information, The payment amount is paid to the virtual account of the customer's name corresponding to the customer identification information, and the payment signal is transmitted to the virtual account of the customer, And transmits the generated data to the server for providing a micropayment service for the mobile phone, A financial server which receives a settlement processing signal from a service providing server and confirms customer identification information and settlement information to complete settlement processing, generates a second settlement result signal, and transmits the second settlement result signal to the mobile phone settlement service providing server; And
Receiving a service request signal from the mobile phone micro settlement service providing server, verifying the customer information, authenticating that the user is a legitimate customer, generating an authentication signal corresponding to the customer information, transmitting the authentication signal to the mobile phone micro settlement service providing server, Receives the payment signal from the payment service providing server, confirms the customer identification information, the approval number, and the payment amount, deposits the amount of the payment amount minus the second fee of the communication company as the payment amount corresponding to the customer identification information, And transmitting the generated first settlement result signal to the cellular phone micro settlement service providing server, and transmitting the generated first settlement result signal to the cellular phone micro settlement service providing server.
Receives the service request signal from the mobile phone and transmits the service request signal including the customer information to the financial server and the communication company server, receives the authentication signal from the communication company server, and transmits the authentication request signal to the financial company server, Receives an approval request signal from the mobile phone, and transmits an approval request signal including the customer identification information and the approval number to the mobile phone, Transmits the payment signal from the financial company server to the financial company server, receives the payment signal, transmits the payment signal to the communication company server, receives the payment processing signal from the communication company server, and transmits the payment signal to the financial company server, After receiving and delivering the first payment result signal, An interface unit receiving the first payment result signal and transmitting the received second payment result signal to the mobile phone, receiving the second payment result signal from the financial company server, and delivering the second payment result signal;
And a service request signal including customer information is checked together with a service request signal including customer information by checking the customer identification information in the service request signal transmitted from the interface unit, reading the customer information corresponding to the customer identification information from the database, A customer information providing unit for transmitting the customer information to the interface unit;
The mobile communication terminal confirms the customer identification information and the approval number from the approval confirmation signal transmitted from the interface unit, identifies the cellular phone corresponding to the customer identification information, and transmits the approval request signal to the interface unit together with the approval number. An approval request unit for confirming the customer identification information and the approval number, and transmitting an approval request signal including the customer identification information and the approval number to the interface unit; And
An authentication number, and a payment amount from the payment signal transmitted from the interface unit, identifies a communication company server corresponding to the customer identification information, and transmits the same to the interface unit together with the payment signal, The first settlement result signal and the second settlement result signal transmitted from the interface unit are transmitted to the interface unit, And a payment registration unit for checking the customer identification information and the payment amount to recognize completion of the micropayment of the mobile phone and registering the micropayment in the database.
When the mobile phone generates and transmits a service request signal at the time of the service request of the customer, the server is provided with the service request signal to check the customer identification information to read the customer information corresponding to the customer identification information, Generating and transmitting a service request signal including information;
The server of the financial company receives the service request signal and confirms and transmits the customer information. The communication company server receives the service request signal, confirms the customer information, authenticates that the customer is a legitimate customer, generates an authentication signal corresponding to the customer information Transmitting;
The financial company server receives the authentication signal, confirms the customer information and the settled amount, generates and transmits an approval number, displays the approval number on the screen, inputs a customer's approval number, Generating and transmitting an approval request signal;
The server receives the approval request signal and confirms and transmits the customer identification information and the approval number. The financial company server receives the approval request signal to confirm the customer identification information and the approval number, The settlement amount is paid as the payment amount to the virtual account of the customer's name corresponding to the customer identification information, and the payment signal Generating and transmitting;
The communication company server receives the payment signal, confirms the customer identification information, the approval number, and the payment amount, deposits the payment amount as the payment amount corresponding to the customer identification information, generates the payment processing signal and the first payment result signal Transmitting;
Receiving, by the mobile phone, the first payment result signal and notifying completion of settlement of the mobile phone micropayment;
Receiving the settlement processing signal from the financial company server, confirming the customer identification information and the settlement information, completing settlement processing, and generating and transmitting a second settlement result signal; And
And receiving the second payment result signal from the mobile phone micro settlement service providing server to recognize and register the completion of the micropayment of the mobile phone.
When the mobile phone generates and transmits a service request signal at the time of the service request of the customer, the server is provided with the service request signal to check the customer identification information to read the customer information corresponding to the customer identification information, Generating and transmitting a service request signal including information;
The server of the financial institution confirms the customer information by receiving the service request signal. The communication company server confirms the customer information by receiving the service request signal, authenticates that the customer is a legitimate customer, generates and transmits an authentication signal corresponding to the customer information step;
When the server receives the authentication signal and transmits the authentication signal, the financial company server receives the authentication signal, confirms the customer information and the settlement amount, and generates and transmits an approval confirmation signal;
The mobile phone micro settlement service providing server receives the approval confirmation signal, confirms the customer identification information and the approval number, and transmits the approval number. The mobile phone receives the approval number and displays the approval number on the screen, Generating and transmitting an approval request signal at the time of the transmission request;
When the server receives the approval request signal and confirms and transmits the customer identification information and the approval number, the financial company server receives the approval request signal to confirm the customer identification information and approval number, Determines whether the previous issuance approval number corresponding to the information agrees with the confirmed approval number to determine approval or disapproval, and subtracts the first fee from the settlement amount from the settlement amount to the customer who corresponds to the customer identification information Generating a payment signal by paying the payment amount to the virtual account of the user's name;
When the mobile phone micro settlement service providing server receives the payment signal and confirms and transmits the customer identification information, the approval number and the payment amount, the communication company server receives the payment signal and confirms the customer identification information, approval number and payment amount Generating a settlement processing signal and a first settlement result signal, and transmitting the settlement processing signal and the first settlement result signal, the settlement amount corresponding to the customer identification information, the settlement amount minus a second fee of the communication company,
Receiving the first payment result signal and confirming and transmitting the customer identification information and the settlement amount to the mobile phone micro settlement service providing server, the mobile phone receiving the first payment result signal and notifying completion of the micropayment of the mobile phone;
When the server receives the settlement processing signal, the financial company server receives the settlement processing signal, confirms the customer identification information and the settlement information, completes the settlement processing, and transmits a second settlement result signal Generating and transmitting; And
And receiving the second payment result signal from the mobile phone micro settlement service providing server to recognize and register the completion of the micropayment of the mobile phone.

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