KR20160128952A - Method for Registering Payment Means for Mobile Payment - Google Patents

Abstract

According to a method to register a payment means for wireless payment of the present invention, in the method executed through a server which communicates with a customer wireless terminal via a mobile communication or short distance communication based packet communication network allowing multi-access of a customer wireless terminal used by a customer, and communicates with a financial institution server issuing a payment means to the customer, the serer receives customer information inputted by a customer and payment means information corresponding to a payment means of the customer from a customer wireless terminal via one packet communication network accessed by the customer wireless terminal between the mobile communication and the short distance communication based packet communication network according to a predetermined procedure. The server provides the customer information and the payment means information to the financial institution server to make a financial institution request from the customer corresponding to the customer information authentication about whether the payment means corresponding to the payment means information is a valid issuance state, or confirmation on an authentication result about issuance of the payment means. When the customer corresponding to the customer information is authenticated as an issuer of the payment means through the financial institution server, the server confirms an individual authentication key uniquely identifying the payment means information of the authenticated customer. When billing information for payment of the customer is received, the server connects and stores the customer information and the authentication information in a storage medium in order to make information of the registered and stored payment means of the customer identified through the authentication key.

Description

[0001] METHOD FOR REGISTERING PAYMENT METHOD FOR REMOTE PAYMENT [0002]

The present invention relates to a method and apparatus for communicating with a customer wireless terminal via a packet-based communication network among a packet-based communication network based on a mobile communication based on a mobile communication and a packet-based communication network based on a short- The method comprising the steps of: receiving a packet-based communication network from a mobile communication terminal based on a mobile communication-based packet-based communication network and a packet-based communication network based on a short- The server receives the customer information inputted by the customer from the customer wireless terminal and the payment means information corresponding to the payment means of the customer according to a designated procedure and the server provides the customer information and payment means information to the financial company server, To the customer corresponding to the customer information, Wherein the authentication means authenticates whether the corresponding payment means is validly issued or authenticated whether the payment means is authorized or not, and if the customer corresponding to the customer information is authenticated as the issuer of the payment means through the financial company server, The server confirms a separate authentication key that uniquely identifies the payment means information of the authenticated customer, and when the request information is received for payment of the customer, the server stores the registered payment means information of the customer through the authentication key And storing the customer information and the authentication key in a storage medium so that the customer information and the authentication key can be identified.

A conventional wireless fee processing method includes calculating and storing a communication fee and / or a content fee to be used by a customer's wireless terminal for a predetermined period of time, and after the predetermined period has elapsed, calculating the calculated communication fee and / A prepayment type wireless rate processing method in which the customer prepays a prepayment type wireless rate processing method in which the customer prepays a prepayment type wireless payment using giro or automatic transfer and a prepayment method in which the client prepays a predetermined amount of a communication usage fee and / And a prepaid wireless rate processing method in which the voice call and / or content use service is provided within the pre-paid amount range.

However, in the case of the postpaid wireless fee processing method, it includes a problem that the customer is overdue or unreceived when the calculated communication usage fee and / or content usage fee is not settled, , And inconvenience that the prepayment process must be performed again when all the advance payment amounts are used during voice call and / or content use.

SUMMARY OF THE INVENTION It is an object of the present invention to provide a method and system for communicating with a customer wireless terminal via a packet-based communication network among a packet-based communication network based on a mobile communication based on a mobile communication and a packet- The method comprising the steps of: transmitting, via a packet-based communication network based on a mobile communication-based packet-based communication network and a packet-based communication network based on a local communication, A first step of receiving customer information inputted by the customer from the customer wireless terminal and payment means information corresponding to the payment means of the customer according to a designated procedure, and the server transmits the customer information and payment means information to the financial company server To the customer corresponding to the customer information in the financial institution A second step of confirming whether the payment means corresponding to the payment means information is validly issued or a result of authenticating whether or not the payment means is issued or not; The server confirms a separate authentication key that uniquely identifies the payment means information of the authenticated customer, and when the request information is received for payment of the customer, And a third step of connecting the customer information and the authentication key so that the registered payment means information is stored and storing the connection information in the storage medium.

A payment method registration method for wireless settlement according to the present invention is a method for registering a payment method for a wireless settlement by a customer wireless terminal using a packet communication network based on a packet based communication network based on a mobile communication based on a mobile communication, The method of claim 1, wherein the server is connected to a server of a financial institution that communicates with a wireless terminal and issues a payment means to a customer. The server is connected to the packet- A first step of receiving customer information inputted by the customer from the customer wireless terminal and payment means information corresponding to the payment means of the customer via a packet based communication network according to a designated procedure; And provides the customer information and payment means information, A second step of confirming a result of requesting authentication of whether the payment means corresponding to the payment means information is validly issued or authenticating whether or not the payment means is issued to the customer corresponding to the customer information, If the customer corresponding to the information is authenticated as the issuer of the payment means, the server confirms a separate authentication key that uniquely identifies the payment means information of the authenticated customer, and the billing information is received for payment of the customer And a third step of connecting the customer information and the authentication key so that the registered payment means information of the customer is identified through the authorization key and storing the connection information in a storage medium.

In the method for registering payment means for wireless payment according to the present invention, the first step may further include receiving wireless terminal information identifying the customer wireless terminal, and the second step may include: And confirming a result of the authentication of the subscriber of the wireless terminal corresponding to the wireless terminal information using the wireless terminal information as a customer identity corresponding to the customer information.

In the third step of the payment method registration method for wireless payment according to the present invention, in the third step, the wireless terminal information and the wireless terminal information are stored so that the registered payment means information of the customer is identified for payment using the packet- And connecting the authentication key and storing the authentication key in a storage medium.

In the method for registering payment means for wireless payment according to the present invention, the payment means information of the customer is stored in the storage medium in association with the authentication key, or is connected to the authentication key, .

In the method for registering payment means for wireless payment according to the present invention, the authentication key is stored in a secure memory area mounted on the customer wireless terminal and transmitted to the server at the time of payment to identify the registered payment means information of the customer And is used for extraction.

In the payment method registration method for wireless payment according to the present invention, in the payment using the customer wireless terminal, the server receives the authentication key stored in the customer wireless terminal via the communication network, and the server transmits the authentication key And processing to provide payment means information to the financial company server so that the payment means information stored in the financial company server is extracted.

In the method of registering payment means for wireless payment according to the present invention, the server further includes checking and storing authentication data for authenticating settlement using the customer wireless terminal.

In a payment method registration method for wireless payment according to the present invention, in the payment using the customer wireless terminal, the server receives authentication data for authenticating payment using the customer wireless terminal through a communication network, Further comprising the step of authenticating the validity of the settlement using the customer wireless terminal using the stored authentication data.

A payment method registration method for a non-media payment according to the present invention is a method for registering a payment method for a wireless terminal using a wireless terminal, which is connected to a wireless terminal through a packet-based communication network among a packet- The method comprising the steps of: transmitting a packet-based packet-based communication network based on the mobile communication-based packet-based communication network and a server communicating with a terminal, A first step of receiving customer information inputted from the customer from the wireless terminal and payment means information for the payment means issued to the customer via a packet based communication network accessed from the terminal according to a designated procedure; The customer information and the payment means information are transmitted to the financial company server A second step of requesting a customer corresponding to the customer information from the financial institution to authenticate whether the payment means corresponding to the payment means information is issued or to confirm whether the payment means is issued or not; The server confirms a separate authentication key that uniquely identifies the payment means information of the authenticated customer, connects the authenticated customer information to the authentication key, and transmits the authentication information to the storage medium Wherein the authentication key is transmitted and received for payment processing using a packet-based communication network of a customer wireless terminal that has registered the customer information and the payment means information.

In the method for registering payment means for non-media settlement according to the present invention, the first step further includes receiving wireless terminal information for identifying the wireless terminal, And confirming a result of the authentication of the subscriber of the wireless terminal corresponding to the wireless terminal information using the wireless terminal information as a customer identity corresponding to the customer information.

In the method for registering payment means for medialess settlement according to the present invention, the server further comprises a step of mapping the received customer information and the wireless terminal information to a storage medium.

In the method for registering payment means for medialess settlement according to the present invention, the authentication key is stored in a secure memory area mounted on the wireless terminal of the authenticated customer, and transmitted to the server at the time of payment, And the like.

In the method for registering payment means for medialess settlement according to the present invention, the payment means information of the authenticated customer is stored in the storage medium or is stored in the financial company server.

In a payment method registration method for a non-media payment according to the present invention, when requesting payment using the wireless terminal of the authenticated customer, the server receives an authentication key stored in the wireless terminal of the authenticated customer through a communication network And the server further comprises a step of providing the authentication key to the financial company server and processing to extract the stored payment means information.

In the method for registering payment means for non-media settlement according to the present invention, the server further comprises checking and storing authentication data for authenticating settlement using the wireless terminal of the authenticated customer .

In a payment method registration method for a non-media payment according to the present invention, when requesting payment using the wireless terminal of the authenticated customer, the server transmits an authentication for authenticating a payment using the wireless terminal of the authenticated customer through a communication network And the server authenticates the validity of the settlement using the wireless terminal of the authenticated client using the stored authentication data.

A payment method registration method for a non-media payment according to the present invention is a method for registering a payment method for a wireless terminal using a wireless terminal, which is connected to a wireless terminal through a packet-based communication network among a packet- A method of registering a payment method of a customer through a wireless terminal of a customer to be used for payment before executing an initial settlement, the method being executed through a server communicating with a terminal and communicating with a financial company server communicating with the terminal, Based on a packet-based communication network based on the mobile communication-based packet-based communication network and a packet-based communication network based on the short-range communication, client information for identifying the customer from the wireless terminal, And the payment made to the customer Means for receiving settlement means information for the means in accordance with a specified procedure; and a server for transmitting the settlement means information to the server, wherein the subscriber of the wireless terminal corresponding to the wireless terminal information uses the customer information and the wireless terminal information, And a second server for providing the customer information and the payment means information to the financial company server and requesting the customer corresponding to the customer information from the financial company to authenticate whether or not the payment means corresponding to the payment means information is issued, And if the subscriber of the wireless terminal is authenticated as the customer and the issuer of the payment means is authenticated as the customer, the server confirms the authentication key for uniquely identifying the payment means information of the authenticated customer, In association with the wireless terminal information corresponding to the registered wireless terminal or with the customer information, And a third step of storing the data.

In the method for registering payment means for medialess settlement according to the present invention, the authentication key is stored in a secure memory area mounted on the wireless terminal of the authenticated customer.

In the method for registering payment means for medialess settlement according to the present invention, the server further comprises a step of mapping the received customer information and the wireless terminal information to a storage medium.

In the method for registering payment means for medialess settlement according to the present invention, the payment means information of the authenticated customer is stored in the storage medium or is stored in the financial company server.

In a payment method registration method for a non-media payment according to the present invention, when requesting payment using the wireless terminal of the authenticated customer, the server receives an authentication key stored in the wireless terminal of the authenticated customer through a communication network And the server further comprises a step of providing the authentication key to the financial company server and processing to extract the stored payment means information.

In the method for registering payment means for non-media settlement according to the present invention, the server further comprises checking and storing authentication data for authenticating settlement using the wireless terminal of the authenticated customer .

In a payment method registration method for a non-media payment according to the present invention, when requesting payment using the wireless terminal of the authenticated customer, the server transmits an authentication for authenticating a payment using the wireless terminal of the authenticated customer through a communication network And the server further comprises a step of authenticating validity of settlement using the wireless terminal of the authenticated customer using the stored authentication data.

A method for registering a customer payment method for non-media settlement according to the present invention is a method executed by a server associated with a financial company server that issues a payment means to a customer, the method comprising: And receives customer information directly inputted by the customer through the wireless terminal of the customer to be used for the settlement and transmits the customer's payment information to the customer via the wireless terminal of the customer to be used for the payment, The server receives the customer information and the wireless terminal information, and the server uses the client information and the wireless terminal information to determine that the subscriber of the wireless terminal to use for the settlement corresponds to the customer information And when the customer information and the payment means information are received, And requesting authentication of the name of the payment means of the customer to be used for the payment to the customer corresponding to the customer information, and authenticating the payment means information to the financial company server When the subscriber of the wireless terminal to be used for the payment is a customer corresponding to the customer information and the name of the payment means to be used for payment is a customer corresponding to the customer information, And stores the mapped customer information and the wireless terminal information in a storage medium in order to identify the requested payment using the wireless terminal, and when the requested payment is identified using the authenticated wireless terminal, The authentication key for extracting the payment means information of the stored customer is confirmed, And a third step of putting on the screen.

In a method of registering a payment means for a non-media settlement according to the present invention, when payment is made using the payment means information of the stored customer using the wireless terminal of the authenticated customer, Receiving the authentication key for authenticating the requested payment using the wireless terminal of the customer, and the server providing the authentication key to the financial company server to process the stored payment means information to be extracted .

In a method of registering a payment means for a non-media settlement according to the present invention, the server further comprises a wireless terminal for authenticating the wireless terminal of the authenticated customer to authenticate a payment using the payment means information of the stored customer, The authentication data to be transmitted from the terminal is confirmed and stored in the storage medium.

In a method for registering a payment means for a non-media payment according to the present invention, when a payment using the payment means information of the stored customer is requested using the wireless terminal of the authenticated customer, The method comprising the steps of: receiving authentication data for authenticating settlement using payment method information of a customer; authenticating the validity of the received authentication data through the stored authentication data; and, when the validity of the authentication data is authenticated, The server further includes a step of extracting the payment means information of the stored customer through the financial company server and processing the approval procedure of the payment to be performed.

A method for registering a customer payment method for a non-media payment according to the present invention is a method for registering a customer payment method for a non-media settlement, the method comprising the steps of: connecting to a packet based communication network through a mobile communication network, Wi-Fi, Bluetooth, and the like.

A method for registering a customer payment means for non-media settlement according to the present invention is a method for registering a customer settlement means for a non-medium settlement executed by a server provided in a financial institution that issued a payment means to a customer, A first step of receiving wireless terminal information identifying a wireless terminal of a customer to be used for settlement and receiving payment information of a customer to be used for settlement and customer information directly inputted by the customer through the wireless terminal of the identified customer; When a result of the authentication of the subscriber of the wireless terminal to be used for the payment is verified by the customer information and the wireless terminal information, the name of the payment means of the customer to be used in the payment using the customer information and the payment means information If the subscriber of the mobile terminal to be used for the payment is the customer and the payment If the name of the payment means to be used is the customer, stores the authenticated customer information, the wireless terminal information, and the payment means information in a storage medium, authenticates the payment requested using the wireless terminal of the authenticated customer, And a third step of confirming an authentication key for extracting the authenticated stored payment means information from the storage medium and storing it in the storage medium.

In a method of registering a payment means for a non-media settlement according to the present invention, when a payment using the payment means information of a customer stored in the storage medium is requested using the wireless terminal of the authenticated customer, Receiving the authentication key for authenticating the requested payment using the wireless terminal of the authenticated customer and extracting the payment means information stored in the storage medium using the authentication key .

In the method for registering a payment means for a non-media payment according to the present invention, the server checks authentication data to be transmitted from the wireless terminal of the authenticated customer to authenticate payment using the stored payment means information of the stored customer, And storing the data in a storage medium.

In a method of registering a payment means for a non-media settlement according to the present invention, when a payment using the payment means information of a customer stored in the storage medium is requested using the wireless terminal of the authenticated customer, The method comprising the steps of: receiving authentication data for authenticating payment using customer's payment means information stored in the storage medium; and authenticating the validity of the received authentication data through the stored authentication data, When the validity is authenticated, the server further includes processing the approval procedure of the payment through the payment information of the customer stored in the storage medium.

A method for registering a customer payment method for a non-media payment according to the present invention is a method for registering a customer payment method for a non-media settlement, the method comprising the steps of: connecting to a packet based communication network through a mobile communication network, Wi-Fi, Bluetooth, and the like.

According to the present invention, a mobile communication company (or a wireless network (wireless data communication, portable internet) service provider using a wireless terminal) that provides a predetermined voice call service through the customer wireless terminal and / The content providing company providing the content of the customer wireless terminal provides the billing and settlement service in the form of debit through the financial account of the customer so that the communication usage fee and / or the content usage fee used by the customer wireless terminal are prevented from being overdue or unreceived There is an advantage.

According to the present invention, when a communication fee and / or a content fee used by the customer wireless terminal is charged and adjusted in a deferred payment form of a direct debit system in connection with a predetermined financial account, the customer and the mobile communication company There is an advantage in that the financial account is converted into a financial account for debit settlement processing by changing the billing and settlement terms between the wireless network (wireless data communication, portable internet) service provider and the billing and settlement service in the form of direct debit.

BRIEF DESCRIPTION OF THE DRAWINGS FIG. 1 is a diagram illustrating a wireless charge processing system according to a preferred embodiment of the present invention. FIG.
2 is a diagram showing storage information for debit type billing and settlement according to a preferred embodiment of the present invention.
3 is a diagram illustrating a wireless terminal function configuration according to a preferred embodiment of the present invention.
4 is a diagram illustrating a method for registering a financial account for debit type billing and settlement according to an embodiment of the present invention.
FIG. 5 is a diagram illustrating a preferred method of calculating and charging a communication fee of a customer wireless terminal according to an embodiment of the present invention.
FIG. 6 is a diagram illustrating a preferred method of calculating and charging a content usage fee of a customer wireless terminal in accordance with an embodiment of the present invention.
FIG. 7 is a diagram illustrating a preferred method for processing a communication usage fee and / or content usage fee of a customer wireless terminal according to an embodiment of the present invention.
FIG. 8 is a diagram illustrating a preferred method of processing a communication usage fee and / or content usage fee of a customer wireless terminal according to another embodiment of the present invention.

The operation principle of the preferred embodiment of the present invention will be described in detail with reference to the accompanying drawings and description. It should be understood, however, that the drawings and the following detailed description are exemplary and explanatory and are intended to provide further explanation of the invention, and are not to be construed as limiting the present invention. In the following description of the present invention, a detailed description of known functions and configurations incorporated herein will be omitted when it may make the subject matter of the present invention rather unclear. The terms used below are defined in consideration of the functions of the present invention, which may vary depending on the user, intention or custom of the operator. Therefore, the definition should be based on the contents throughout the book.

It is to be understood that both the foregoing general description and the following detailed description of the present invention are exemplary and explanatory and are intended to provide further explanation of the invention as claimed. The configuration is omitted as much as possible, and a functional configuration that should be additionally provided for the present invention is mainly described. Those skilled in the art will readily understand the functions of components that have been used in the prior art among the functional configurations that are not shown in the following description, The relationship between the elements and the components added for the present invention will also be clearly understood.

In addition, the preferred embodiments of the present invention will be described below in order to efficiently describe the technical elements constituting the present invention. However, in the technical field of the present invention, It is clear that the storage medium may be provided inside the server.

In addition, the preferred embodiments of the present invention will be described below in order to efficiently describe the technical elements constituting the present invention, but all the functional configurations provided in the server are provided in the server. However, Those skilled in the art will appreciate that the functional configuration provided in the server is not limited to the one that is interworked through a predetermined network and / or communication means according to the intention of those skilled in the art implementing the present invention It should be understood that the present invention may be separately provided in at least two or more servers.

As a result, the technical idea of the present invention is determined by the claims, and the following embodiments are merely means for effectively explaining the technical idea of the present invention to a person having ordinary skill in the art to which the present invention belongs Only.

FIG. 1 is a diagram illustrating a wireless charge processing system according to a preferred embodiment of the present invention.

1 shows a mobile communication company (or a wireless network provider) and / or a content provider who are subject to a predetermined communication fee and / or content usage fee to a customer-owned wireless terminal 100, (For example, a mobile communication company's switching center 115, a content provider's content providing server 130, or a charging means provided in a mobile communication company or a content provider) provided in a content provider, (For example, the server 140 and / or the server 2 170 shown in FIG. 1) that provide a debit type billing / settlement service in cooperation with a billing interface 135 via a predetermined billing interface 135. [ And a financial system that provides a debit-type settlement processing service in cooperation with the debit type billing / settlement function configuration through a predetermined settlement interface (198) It shows a preferred binary luer wireless charge settlement processing system.

According to an embodiment of the present invention, the debit type billing / settlement function configuration (server 140, server 2 170, and storage medium shown in FIG. 1) may be configured with the intention of a person skilled in the art and / A mobile communication company (or wireless network provider) and / or a content provider who charge a predetermined communication fee and / or content usage fee to the customer-owned wireless terminal 100 in accordance with the characteristics of the billing / settlement system, Or a wireless network provider), or a payment agency and / or a billing agency and / or a settlement agency that works in conjunction with the billing entity, or the billing agent 199 may be provided. That is, the configuration of the direct debit charging / settlement function (server 140, server 2 170 and storage medium shown in FIG. 1) may be provided in the mobile communication company or may be provided in the content provider, And / or a payment agent and / or billing agency and / or settlement agency associated with the content provider, or may be provided in the financial system 199, or may be provided in the billing / It is possible that some configurations are separately provided in the mobile communication company and / or the content provider and / or the payment agency and / or the billing agency and / or the settlement agency and / or the financial system 199. For example, in the configuration of the debit type billing / settlement function, the server 140 is provided in the mobile communication company and / or the content provider, and the server 2 170 is provided in the payment agency and / or the billing agency and / And the server 140 and / or the server 2 (170), and / or the server 2 (170), and / or the server (2) 170 Lt; RTI ID = 0.0 > accessible < / RTI > As a result, the technical idea of the present invention is not limited by the position where the above-mentioned debit type billing / settlement function configuration is provided in the present invention.

The customer wireless terminal 100 has a function of connecting a predetermined call channel for voice communication by performing a predetermined call connection procedure through a predetermined mobile communication network, And a predetermined wireless rate (e.g., a communication fee and / or a content fee) is charged when using the voice call and / or the contents.

According to a preferred embodiment of the present invention, the customer wireless terminal 100 having the above-described functional configuration can be connected to a Personal Communication System (PCS) and / or a Global System for Mobile communications (GSM) terminal and / A digital cellular terminal (PDC) and / or a personal handyphone system (PHS) terminal and / or a personal digital assistant (PDA) and / or a smart phone and / And a portable wireless communication device including a portable Internet terminal. The wireless network 100 may include at least one or more portable wireless communication devices, In FIG. 1, for the convenience of explanation, a wireless network It will be described for the case to be connected. However, it should be noted that the object of the present invention is not limited to a mobile communication network.

The mobile communication network to which the customer wireless terminal 100 accesses includes a base transceiver station (BTS) 105 connected to the customer wireless terminal 100 through a radio section to connect a radio path, A BTS System Controller (BSC) 110 which corresponds to a station that manages network control processes such as polling, selection, and recovery by connecting the base station 105 and the switching center 115, A wireless switching center 115 constituting an access point for user traffic between a mobile communication network and a public telephone network, and a mobile switching center (MSC) 115 of another mobile communication network in the same or another mobile communication network; A Home Location Register (HLR) 125 and / or a Visitor Location Register (VLR) 125 for registering subscriber locations and / or visitor locations subscribed to the mobile communication network, Net bottom And an interworking function (IWF) 120 for providing a line data service and / or a packet data service for connection with other networks in the wireless communication network, It is possible to include at least one or more components in accordance with the evolution.

According to a preferred embodiment of the present invention, the mobile communication network is provided with a communication fee (for example, a communication fee corresponding to a voice call time through a mobile communication network) and / or a communication fee The mobile communication network charges the communication fee to the customer wireless terminal 100 directly or by a predetermined payment agency and / Or charging agents and / or settlement agencies.

The content providing server 130 is connected to the network 100 of the mobile communication network through the mobile communication network through the network interworking apparatus 120 of the mobile communication network or through a predetermined wired network (E.g., a personal computer (PC), a notebook computer) used by the customer via the Internet), and the wireless terminal 100 and / or the wired And a predetermined content usage fee is charged in the process of providing the predetermined content to the terminal.

According to a preferred embodiment of the present invention, the content providing server 130 may be provided with a content usage fee (for example, a usage fee per content for using one or more content) and / The content providing server 130 may charge the content usage fee directly to the customer wireless terminal 100 or may transmit the content usage fee to the customer wireless terminal 100. Alternatively, And / or a billing agency and / or a settlement agency.

According to the present invention, the charging entity including the mobile communication network and / or the content providing server 130, or the predetermined payment agency and / or the billing agency and / or the settlement agency may include a predetermined billing interface 135 The billing interface 135 may be implemented in various manners depending on the relationship between the billing entity and the direct debit billing / settlement function configuration.

For example, when the direct billing / billing function configuration is provided in software in a predetermined billing means provided in the billing entity (for example, realization of the function configuration for the direct billing / settlement in the recording medium provided in the billing means The billing interface 135 is an inter-process communication means (or inter-process communication means) for connecting the billing program recorded on the recording medium provided in the billing means and the debit-type billing / Or a function configuration in which the direct debit type billing / settlement function configuration is interlocked with the billing means in the billing subject, the billing interface 135 includes a billing interface 135, (For example, a bus (BUS) or a K The billing interface 135 includes a billing unit provided in the billing entity and a billing / billing / billing function configured in the billing / billing function in the billing / Lt; / RTI >

1, the server 140 of the debit type billing / settlement function comprises an authentication key (or authentication data) receiver 145 for receiving an authentication key (or authentication data) from the customer wireless terminal 100, And a usage fee calculation unit 145 for calculating a communication fee and / or a content fee to be used by the wireless terminal 100. In accordance with an embodiment of the present invention, in cooperation with the storage medium, (Or authentication data) for verifying whether the usage fee and / or content usage fee can be withdrawn from the financial account associated with the authentication key (or authentication data) and / or the authentication fee And an information transmission unit 160 for transmitting the content usage fee billing information and / or the content usage fee billing information to the server (2) 170 on the network.

The authentication key receiving unit 145 receives confidentiality and authentication information for charging and / or accounting for the wireless terminal 100 from a predetermined customer wireless terminal 100 connected to the mobile communication network, (Or authentication data) receiving means for receiving a predetermined authentication key (or authentication data) for ensuring authentication, integrity, and nonrepudiation of the authentication key, It can be implemented by a program recorded on a recording medium such as a server for receiving an authentication key (or authentication data) or a predetermined recording medium provided in the direct debit charging / settlement system.

According to a preferred embodiment of the present invention, when a predetermined authentication key (or authentication data) reaches the wireless switching center 115 on the mobile communication network, the authentication key (or authentication data) (Or authentication data) for extracting the authentication key (or authentication data) from the customer wireless terminal 100 and / or receiving a predetermined authentication key (or authentication data) from the customer wireless terminal 100 via the mobile communication network, (Or authentication data) by accessing the server 140 via the wireless Internet, or transmitting the authentication key (or authentication data) to a predetermined wireless message And an interface for receiving data via the interface.

The usage fee calculation unit 145 calculates a usage fee including a communication fee of the customer wireless terminal 100 and / or a content fee from a predetermined billing means provided in the billing subject via a predetermined billing interface 135 The fee calculation means may be implemented by a predetermined fee calculation server according to an implementation method or a program recorded on a predetermined recording medium provided in the direct debit type billing / settlement system.

According to a preferred embodiment of the present invention, when the usage fee calculation unit 145 calculates a communication usage fee (a usage fee per hour) of the circuit switching system, the usage fee calculation unit 145 calculates a fee The communication fee for the customer wireless terminal 100 is periodically calculated from the charging means on the mobile communication network until the communication channel is disconnected and provided to the financial information verification unit and / or the information transmission unit 160 .

Alternatively, when the usage fee calculation unit 145 calculates the communication usage fee (per-packet usage fee) of the packet switching system, the usage fee calculation unit 145 calculates the usage fee from the billing means on the mobile communication network through the predetermined billing interface 135 It is preferable to calculate a predetermined communication fee based on the data (packet) size (capacity) and to provide the communication fee to the financial information confirmation unit and / or the information transmission unit 160.

Alternatively, when the usage fee calculation unit 145 calculates a content usage fee (content usage fee) corresponding to each content, the usage fee calculation unit 145 calculates the usage fee based on the content providing server 130 (For example, ID / PW registered in the content providing server 130) for the customer who uses the content from the content providing server 130 and calculates the usage fee for the content to be used, And / or the information transferring unit 160. [0040]

Alternatively, when the usage fee calculation unit 145 calculates a content usage fee (a usage fee per usage time) corresponding to the content usage period, the usage fee calculation unit 145 calculates a content usage fee (For example, ID / PW registered in the content providing server 130) for the customer using the content from the service providing server 130, calculates the content usage fee for each use time, And / or the information transmission unit 160 according to the present invention.

The financial account checking unit 150 checks the customer-owned financial account information stored in the storage medium in association with a predetermined authentication key (or authentication data), and obtains predetermined financial account balance information from the customer-owned financial account information Extracts and compares the calculated communication usage fee and / or content usage fee calculated by the usage fee calculation unit 145 with the content usage fee to determine whether the user of the mobile terminal 100 can pay the communication usage fee and / or the content usage fee in a debit form The financial account checking means may be implemented by a predetermined financial account management server or a program recorded on a predetermined recording medium provided in the direct debit billing / settlement system according to the execution method.

According to a preferred embodiment of the present invention, the financial account identification unit 150 receives a predetermined authentication key (or authentication data) from the usage fee calculation unit 145 and transmits the authentication key Owned financial account information stored in the financial account information storage unit 145. If the customer's own financial account information is stored, it is preferable to extract the financial account balance from the usage fee calculation unit 145, The user of the mobile terminal 100 can receive the communication fee and / or the content fee for the terminal 100, and compare the extracted balance with the extracted financial account balance to pay the communication fee and / or the content fee in a debit form And if it is possible to pay in a debit form as a result of the confirmation, a predetermined voice call service is provided in the mobile communication network And / or the content providing server 130 may provide a predetermined content usage service.

The information transmission unit 160 transmits a predetermined communication fee and / or content fee billing information including the communication fee and / or the content fee calculated by the usage fee calculation unit 145 to the server 2 (170) Or billing information to the server (2) 170 via a predetermined billing interface 135 and / or a settlement interface 198. The server 200 may be provided with a billing service And it can be implemented by a program recorded on a predetermined fee billing server or a predetermined recording medium provided in the direct debit billing / settlement system according to the execution method.

According to a preferred embodiment of the present invention, the communication fee and / or content fee fee information may include billing information including a communication fee and / or content fee calculated corresponding to the radio terminal 100, (Or authentication data) corresponding to the customer wireless terminal 100 to be paid and / or customer-owned financial account information.

The server 140 is preferably a wireless fee processing server, and may be a terminal server or a plurality of servers having respective means.

Referring to FIG. 1, the server (2) 170 of the direct debit charging / settlement function function is configured to transmit a customer financial account for paying communication fee and / or content usage fee of the customer wireless terminal 100 to a customer wireless terminal (Or authentication data) from the server 140 to the customer's wireless terminal 100 (or the authentication server 100) An information receiving unit 175 for receiving the communication fee and / or content fee information from the financial account management unit 180 and the financial account management unit 180, A financial account confirmation unit 185 for confirming whether the user can pay the communication usage fee and / or the content usage fee corresponding to the communication fee and / or the contents fee billing information received by the user, As a result, when the communication fee and / or the content fee can be paid through the financial account, the communication fee and / or the content fee may be processed daily through the financial account of the customer And a settlement processing unit (190) for periodically performing settlement processing.

According to a preferred embodiment of the present invention, the server (2) 170 determines that the communication fee of the customer wireless terminal (100) and / or the content fee , It is possible to transmit to the server 140 and / or the customer terminal the settlement unavailability information of the requested communication usage fee and / or content usage fee, and / And an information transmission unit 197 for transmitting to the server 140 and / or the client terminal a settlement processing result obtained by processing the communication fee and / or the content fee of the server 100 by the settlement processing.

According to a preferred embodiment of the present invention, the server (2) 170, before the periodic settlement processing of the requested communication fee and / or the content fee, calculates an amount corresponding to the requested communication fee and / A lock setting unit 195 for setting a predetermined lock in the financial account so as not to be withdrawn from the financial account and releasing the lock when the amount corresponding to the charged communication fee and / .

The financial account management unit 180 transmits a financial account for paying the communication fee and / or content usage fee of the mobile terminal 100 to a financial system 199 operated by a predetermined financial institution And a financial account opening / registering means for registering customer-owned financial account information for a predetermined financial account opened in the financial institution on the storage medium, and financial account opening / registering means for registering customer-owned financial account information registered in the storage medium Storing and managing balance information of the customer-owned financial account from the financial system (199) operated by the financial institution in which the customer-owned financial account is established. A predetermined financial account management server or a program recorded on a predetermined recording medium provided in the direct debit charging / As shown in FIG.

According to a preferred embodiment of the present invention, the financial system 199 changes the balance of the financial account of the customer using the wireless terminal 100 (for example, a predetermined amount is deposited into the customer's financial account, , The balance information of the financial account is transmitted to the financial account management unit 180 or the balance information of the financial account is periodically transmitted to the financial account management unit 180 180, and the financial account management unit 180 updates the balance information of each customer-owned financial account to the customer-owned financial account information.

Alternatively, the financial account management unit 180 periodically requests balance information of the corresponding financial account to the financial system 199 in which the financial account of the customer using the wireless terminal 100 is opened according to a predetermined predefined policy And receives the balance information of the corresponding financial account from the financial system 199 and updates the financial account information of each customer.

The information receiving unit 175 receives information from the server 140 through the billing interface 135 and / or the settlement interface 198 connected to the information transfer unit 160 of the server 140 100, and / or content usage fee billing information, the information receiving means comprising: a predetermined fee charging information receiving server or a program recorded in a predetermined recording medium provided in the direct debit charging / As shown in FIG.

The financial account verification unit 185 extracts the authentication key (or authentication data) and / or the customer-owned financial account information from the communication fee and / or the content fee information received through the information receiver 175, Based on the extracted information, the balance of the customer-owned financial account is extracted and compared with the communication fee and / or the content fee, in cooperation with the financial account management unit 180, And / or a financial account confirmation means for confirming whether or not the content usage fee can be paid in a debit form, the financial account confirmation means comprising: a program recorded in a predetermined financial account management server or a predetermined recording medium provided in the direct debit charging / As shown in FIG.

According to a preferred embodiment of the present invention, the server 140 and the server 2 170 are provided with the financial account checking means, and the server 140 can calculate the communication fee corresponding to the wireless terminal 100, / Billing / settlement error that occurs due to a subtle difference in time occurring between the time when the server 2 (170) calculates the content usage fee and the time when the communication usage fee and / or the content usage fee is settled in the debit form And may be integrated in accordance with the implementation method.

As a result of the checking by the financial account checking means, if the communication fee and / or the content fee of the customer wireless terminal 100 can be paid in a debit form through the financial account, A settlement processing means for performing daily settlement processing or periodic settlement processing of the usage fee and / or content usage fee through the financial account of the customer, the settlement processing means comprising: a predetermined settlement server or a predetermined settlement server provided in the direct debit charging / It can be implemented by a program recorded on a recording medium.

According to a preferred embodiment of the present invention, the debit type settlement method of the settlement processing unit 190 is a method of calculating the communication usage fee and / or the contents usage fee charge amount from the customer-owned financial account at the time when the fee is charged from the server 140 Withdrawing and collecting the communication fee and / or the fee for the content fee for a predetermined period of time (for example, a certain period of time or one day) Or a predetermined lock to the financial account so that the amount corresponding to the requested communication fee and / or content usage fee is not withdrawn to the other financial account at the time when the fee is charged from the server 140 , And sets an amount corresponding to the requested communication usage fee and / or the content usage fee After settlement from the financial account owned by the customer to the financial account of the charging subject it may be made of, including how to turn off the at least one lock.

It is preferable that the server (2) 170 is a predetermined wireless fee settlement processing server and is formed of a terminal server or a plurality of servers having respective means.

According to the present invention, the debit type billing / settlement function configuration is interlocked with the financial system 199 through a predetermined settlement interface 198, and the settlement interface 198 is a function of the direct debit charging / And may be variously implemented depending on the relationship between the functional configuration and the financial system 199. [

For example, if the direct debit type billing / settlement function configuration is provided in software on a financial related server provided in the financial system 199 (for example, the direct billing / settlement is performed on a recording medium provided in the financial system 199) The accounting interface 198 is a process of connecting the financial program recorded in the recording medium provided in the financial system 199 with the configuration of the direct debit charging / (Or an inter-process communication process), or when the debit type billing / settlement function configuration includes a hardware functional configuration that interlocks with a financial related server in the financial system 199, The settlement interface 198 includes a predetermined hardware functional unit communication means for connecting the billing means and the debit type billing / Or billing / settlement function configuration is provided on the network, the settlement interface 198 may be configured such that the financial system 199 and the debit / And a network connecting the billing / settlement function configuration.

The financial system 199 includes an account system for a credit transaction generated at at least one branch office or a counter or a counter for a receipt or a trust or a foreign exchange transaction, an information system for processing a headquarters transaction, supporting branch information and managing a customer relationship, (Not shown) for providing interface between components in the financial system 199, and an external interface for providing various electronic financial services by connecting the system 199 with a home, an enterprise, a store, And a DBMS (DataBase Management System) for storing and managing predetermined information required for performing functions in the respective components. The DBMS (Data Base Management System) for managing the types of financial institutions (for example, commercial banks, savings banks, trust banks, ) And the financial system (199), various types of components such as card system, foreign exchange system, investment banking system, .

According to a preferred embodiment of the present invention, the function of withdrawing a predetermined communication fee and / or content fee from the customer-owned financial account in the financial system 199 and transferring the fee to the financial account of the billing entity, When the debit type billing / settlement function configuration is provided in the financial system 199, the debit type billing / settlement function configuration and the account system are preferably connected through a predetermined module interface, When the type billing / settlement function configuration is provided on the network, the configuration of the direct debit type billing / settlement function and the account system are preferably connected through the external environment.

2 is a diagram showing storage information for debit type billing and settlement according to a preferred embodiment of the present invention.

Referring to FIG. 1, an authentication key (or authentication data) and customer-owned financial account information are linked and stored in the storage medium. Referring to FIG. 2, the authentication key (or authentication data) And / or customer information for a predetermined customer wireless terminal (100) that transmits the authentication key (or authentication data) for wireless communication / settlement, and / or stores the communication fee and / It is preferable to further store predetermined information for accumulating and summing the communication usage fee and / or the content usage fee charge corresponding to the customer wireless terminal 100 when the usage fee is not immediately settled, The information includes financial account information (for example, a financial account number) for the customer's financial account opened in the financial institution and a balance of the financial account And / or the transaction fee and / or the content fee settlement process to the financial account.

According to a preferred embodiment of the present invention, it is preferable that the authentication key (or authentication data) is provided and stored from an IC chip issuer installed or removed from the mobile communication company and / or the customer wireless terminal 100, Preferably, the customer wireless terminal information and / or customer information and financial account information are provided and stored from the customer using the wireless terminal 100 during the opening and / or registration of the financial account, and the communication fee and / And the settlement processing details are preferably provided and stored from the billing / settlement service provider, and the financial account balance information is preferably provided and stored from the financial system 199 in which the financial account is opened Do.

FIG. 3 is a diagram illustrating a functional configuration of a wireless terminal 100 according to a preferred embodiment of the present invention.

In terms of hardware, the wireless terminal 100 includes an outer body, a speaker, a microphone, a keypad, a liquid crystal display (LCD), an antenna and a battery 325, (For example, an MSM series modem chip of Qualcomm of the United States) that incorporates a function of a plurality of memory modules, a multiple access modem, a central processing unit (CPU) / micro processing unit (MPU) A power amplifier that amplifies the transmission signal, a high power amplifier (HPA), an isolator that prevents the high output transmission signal from returning in the opposite direction, an out-of-band unnecessary An RF / IF SAW filter for eliminating the wave signal, a frequency upstream circuit for the transmission path, a frequency downconversion circuit for the reception path, a VCTCXO (Voltage Controlled Temperature C a UHF frequency synthesizer for use as a local signal of frequency up-down conversion, and a codec chip for converting an analog voice signal into a digital signal. The internal components are gradually transferred to the modem In addition, various functions for various multimedia services and / or supplementary services are directly incorporated into the modem chip in addition to core components for the mobile communication service.

3, the control unit 300, the screen output unit 310, the key input unit 315, the sound processing unit 320, and the sound output unit 320, as shown in FIG. 3, An IC chip 345 composed of a wireless processing unit 330, a short range communication unit 335, a memory unit 305 and a battery 325 for power supply and having at least one payment means for wireless payment processing, And an IC chip interface 340 for providing an interface between the IC chip 345 and the wireless terminal 100.

The control unit 300 includes a processor including a CPU / MPU provided in the modem chip and an execution memory, and is provided with a predetermined program routine for providing a function peculiar to the wireless terminal 100 from a predetermined memory element And a bus (BUS) for inputting / outputting program data and / or a predetermined electronic circuit (or an integrated circuit) provided therefor, and is characterized in that it comprises software from a predetermined memory device and / or a chipset A general term of program routines and / or program data that are loaded into the execution memory and processed through the processor to perform a specific function, various functions to be implemented in the wireless terminal 100 by the control unit 300 And to realize predetermined functions provided in the wireless terminal 100, It characterized in that the motion is controlled and managed. Particularly, in order for the controller 300 to control and manage the overall operation of the wireless terminal 100, the wireless terminal 100 receives an operating system routine from the memory unit 305, System management routines, and / or system variables into the execution memory and causes the processor to perform the operation processing, thereby configuring the control unit 300, whereby the function configuration of the wireless terminal 100 is operated.

The screen output unit 310 is a liquid crystal display (LCD) driver for outputting a screen image by the control unit 300 (e.g., a program routine for outputting predetermined information or data to the LCD) (E.g., text content, image content, and / or multimedia content) extracted and / or generated in the course of performing a predetermined function provided in the wireless terminal, To the LCD, and a screen output unit provided in the wireless terminal through the screen output unit 310 and the LCD is provided.

The key input unit 315 may include at least one key input from a predetermined keypad having a plurality of numeric keys, a character key, and / or at least one function key, (For example, reads out information or signals corresponding to the key data from a table storing predetermined information or signals corresponding thereto from the data) and transfers the information or signals to the control unit 300, A key input unit provided in the wireless terminal is provided through an input unit 315 and a keypad.

The sound processor 320 encodes a predetermined sound signal input from a microphone provided in the wireless terminal and provides the sound to the controller 300 or a predetermined sound The sound processor 320 is provided with a vocoder and a codec for decoding the signal and outputting it through a speaker. A sound input means provided to the wireless terminal through the sound processing unit 320 and a microphone or a sound output means provided to the wireless terminal through the sound processing unit 320 and a speaker are provided.

The radio processing unit 330 may perform location registration and / or slot mode and / or power control and / or power control in cooperation with the controller 300 (e.g., a program routine for providing a mobile communication service) Or a hand-off and / or a call processing procedure. In the process of providing the mobile communication service, a mobile communication service corresponding to an end of the mobile communication network, (For example, antenna control, modulation, synthesis, amplification and / or filtering of a radio frequency signal) for performing transmission and reception of a radio frequency signal with the base station 105. In particular, the radio processor 330 processes the information or signals transmitted from the mobile terminal 105 to the mobile station 105 in order to provide the mobile communication service to the CDMA stack, And a function of reading predetermined information or signals from the stack.

The short-range communication unit 335 may include an infrared communication unit such as an infrared ray communication unit, an RF (Radio Frequency) communication unit, a Bluetooth, a wireless LAN, a Wi-Fi, The wireless terminal 100 is provided with at least one short-range wireless communication function provided in the wireless terminal 100, And transmits and receives a predetermined wireless message.

The memory unit 305 may store a predetermined program routine (or code) and / or program data (e.g., input / output information and / or program information) when an operation by the program routine Data), which is a read only memory (ROM) corresponding to a read only memory, a flash memory (FM) capable of reading / writing, and an EEPROM (Electrically Erasable and Programmable Read Only Memory) . In general, the ROM stores system information that should not be deleted, and the flash memory stores an operating system routine, a call processing program routine, and / or an application program routine provided through the wireless terminal and information or data therefor, The EEPROM stores terminal registration related parameters and at least one information and / or data extracted and / or generated during execution of a phone number (e.g., an address book) or an application provided in the wireless terminal.

The IC chip interface 340 transmits information between the payment agent provided in the wireless terminal 100 and the IC chip 345 through the IC chip 345 standard including ISO / IEC 7816 and / or ISO / IEC 14443 And / or data exchange. For example, the IC chip interface 340 provides information and / or data exchange between the IC chip 345 agent program and the IC chip 345 via an APDU (Application Protocol Data Unit).

Referring to the IC chip 345 standard and the EMV standard including ISO / IEC 7816 and / or ISO / IEC 14443, an IC chip 345 mounted on or removed from the wireless terminal 100 is mounted on the IC chip 345 may be connected to the card terminal device through contact points such as a power supply VCC, a reset signal RST, a clock signal CLK, a ground GND, a programming power supply VPP, and / or an input / An input / output interface 350 for communicating with the processor 350, a processor 355 including at least one computing element including a central processing unit (CPU), a micro processing unit (MPU), and / or a coprocessor, And a memory unit 360 including at least one memory device including a ROM (Read Only Memory), a RAM (Random Access Memory), an EEPROM (Electrically Erasable and Programmable Read Only Memory), and an FM (Flash Memory) In particular, at least one of the memory elements is used to manage the internal resources of the smart card And operating the chip operating system; the (Chip Operating System COS) is provided, and also is provided with at least one IC chip (345) storing information for providing a service using a smart card, at least one of the remaining memory elements.

According to a preferred embodiment of the present invention, the memory unit 360 is provided with a predetermined authentication key (for example, a public key, an authentication key, a password, etc.) for ensuring confidentiality, authentication, integrity and non-repudiation of the wireless terminal 100 for debit- , An IC chip unique number, and a certificate-related key).

The IC chip 345 storage information provided in the memory unit 360 on the IC chip 345 includes a data storage unit for storing a data set corresponding to data or information read and used by the card terminal program and / Or a program module (e.g., a Java Applet) that can be used by the card terminal program, and the like. In particular, the data processor may include a card configuration (e.g., a COS or an open smart It is part of the virtual machine of the card, or is interlocked with the card configuration.

FIG. 4 is a diagram illustrating a method of registering a financial account for debit type billing and settlement according to an embodiment of the present invention.

FIG. 4 is a flowchart illustrating a method of charging / canceling a customer's wireless terminal 100 according to an embodiment of the present invention. Referring to FIG. 4, the customer's wireless terminal 100 includes a predetermined financial account (Or authentication data) provided in the IC chip in association with customer financial account information and storing the same in a predetermined storage medium.

The user of the mobile terminal 100 may request the billing / settlement service provider 100 via the predetermined application and / or the wired / wireless terminal 100 for the direct billing / settlement of the communication fee of the customer wireless terminal 100 and / The server provides (400) predetermined customer wireless terminal information and / or customer information and predetermined customer-owned financial account information for debit-type settlement processing, and the billing / settlement service provider server provides the customer wireless terminal information and / In step 405, the validity of the customer information may be determined by the customer of the mobile terminal 100 charging a predetermined communication fee and / or content fee from the billing entity corresponding to the billing / settlement service provider And judging whether or not there is a problem.

If the validity of the customer wireless terminal information and / or the customer information is authenticated, the billing / settlement service provider server transmits the customer wireless terminal information and / or customer information and the customer-owned financial account information to the server To the financial company server, and requests the financial account to provide the debit type settlement processing service according to the present invention (410).

According to a preferred embodiment of the present invention, it is preferable that the billing / settlement service provider and the financial institution have a predetermined business cooperation for debit type settlement processing according to the present invention, and the step (410) To set the communication usage fee and / or the content usage fee of the user of the wireless terminal 100 to be settled in the debit form through the customer-owned financial account.

When the customer wireless terminal information and / or customer information and the customer-owned financial account information are received from the billing / settlement service provider server as described above, the financial service server determines validity of the customer-owned financial account (415) The validity determination includes determining whether the financial account is a financial account of the customer using the mobile terminal 100.

If the validity of the customer's financial account is authenticated, the financial server transmits (420) the debit type settlement processing approval information for the customer wireless terminal 100 to the billing / settlement service provider server (420) The settlement service provider server receives a predetermined authentication key (or authentication data) from the mobile communication company (or the IC chip issuer) on the basis of the debit type settlement processing approval information, (425), and the authentication key (or authentication data) is associated with the customer-owned financial account information and stored in a predetermined storage medium (430).

When the authentication key (or authentication data) and the customer-owned financial account information are stored in association with each other on the storage medium as described above, the financial company server changes the balance of the financial account (for example, (435) transmits balance information of the financial account periodically to the charging / settlement service provider server (435) at the time of withdrawal of a predetermined amount from the financial account The service provider server updates the balance information of the received financial account to the customer's own financial account information and stores the updated balance information in step 440. The processes 435 to 440 may be performed by the service provider server in the case of the direct billing / Is repeated.

FIG. 5 is a diagram illustrating a preferred method of calculating and charging the communication fee of the customer wireless terminal 100 according to an embodiment of the present invention.

In more detail, FIG. 5 is a diagram illustrating the configuration of the direct debit charging / settlement function shown in FIG. 1, in which the server 140 transmits a circuit-switched communication charge (for example, And a communication fee corresponding to the voice call time through the mobile communication network).

Referring to FIG. 5, the server 140 interlocks with the wireless switching center 115 on the mobile communication network, and transmits an outgoing call for voice call connection from a predetermined customer wireless terminal 100, (Or authentication data) for ensuring authentication, integrity, and non-repudiation has arrived at the wireless switching center 115. If the authentication key (or authentication data) is confirmed as a result of the confirmation The server 140 extracts the authentication key (or authentication data) 510 in cooperation with the wireless switching center 115 and transmits the extracted authentication key (or authentication data) (515) and confirms the balance information of the financial account corresponding to the authentication key (or the authentication data) so that the maximum amount of money available for voice communication through the balance of the financial account (520).

If the voice call allowable time does not exist (for example, if the financial account balance does not exist) (525), the server 140 transmits a message (for example, a voice message or a text message) containing predetermined billing error information (530) and instructs the wireless switching center (115) to disconnect the voice communication channel requested by the customer wireless terminal (100) (535) It is also possible to automatically switch to a postpaid billing system of.

If the voice call available time exists in step 525, the server 140 instructs the wireless switching center 115 to connect the voice communication channel requested by the customer wireless terminal 100 in step 540, (545) in connection with the voice communication time (115).

According to a preferred embodiment of the present invention, the communication fee calculation step 545 is preferably repeated periodically until the calculated communication fee exceeds the balance of the customer-owned financial account or until the voice call is terminated Do.

Accordingly, the server 140 determines whether the calculated communication usage fee exceeds the customer-owned financial account balance 550. If the result of the determination is greater than the customer-owned financial account balance 555, 140 generates and transmits a message (e.g., a voice message or a text message) containing predetermined billing error information to the customer wireless terminal 100 in operation 530 and transmits the message to the wireless switching center 115 (555), the server (140) is instructed to operate in conjunction with the wireless switching center (115) and the voice (100) to disconnect the voice communication channel requested by the user (535) The server 140 determines whether the call is terminated at step 560. If the voice call is terminated at step 565, the server 140 charges the calculated communication fee to the server 2 170 at step 570.

FIG. 6 is a diagram illustrating a preferred method of calculating and charging a content usage fee of a customer wireless terminal 100 according to an embodiment of the present invention.

6 is a diagram illustrating a configuration of the direct debit charging / settlement function shown in FIG. 1, in which the server 140 transmits the content usage fee (for example, (For example, a usage fee for each content for using the content) and / or a usage fee for each content usage period (for example, a usage fee for a certain period for using at least one content for a predetermined period).

Referring to FIG. 6, in operation 600, the server 140 determines whether a predetermined content usage fee including a usage fee for each content and / or a usage fee for each content usage period is paid in cooperation with the content providing server 130 It is preferable that the user of the terminal 100 accesses the content providing server 130 through a predetermined wired / wireless terminal 100 and requests purchase and payment of a predetermined content.

If it is determined in step 605 that the predetermined amount of content fee is charged to the customer wireless terminal 100 in step 605, the server 140 may transmit the customer wireless terminal information and / Extracts customer information, and calculates a content usage fee corresponding to the customer wireless terminal 100 (610).

For example, when the content usage fee is a content usage fee and the customer using the wireless terminal 100 uses a plurality of contents, the server 140 adds up the plurality of content usage fees to charge predetermined content Calculate the usage fee.

When the customer's wireless terminal information and / or customer information is extracted as described above and a predetermined content usage fee is calculated, the server 140 determines whether a predetermined authentication key (or authentication data) is received from the customer terminal (615 ).

According to a preferred embodiment of the present invention, the reception of the authentication key (or authentication data) is performed by the content providing server 130 to transmit the authentication key (or authentication data) (Or authentication data) via the wireless terminal information at the server 140. The wireless terminal may be configured to send a wireless message including a predetermined callback URL to the wireless terminal (Or authentication data) by accessing the server 140 via the wireless Internet at the wireless terminal 100. The wireless terminal 100 may be configured to transmit a wireless message including a predetermined callback message (Or authentication data) from the wireless terminal 100 to the server 140 via a predetermined wireless message, When the wireless terminal 100 provides the authentication key (or authentication data) to the wireless switching center 115 provided in the mobile communication network, the server 140 notifies the wireless switching center 115 of the authentication key And extracting at least one or more of the extracted data.

If it is confirmed in step 620 that the authentication key (or authentication data) is received from the customer wireless terminal 100, the server 140 processes the authentication key (or authentication data) (630) accesses the predetermined customer financial account information (625), extracts balance information of the financial account corresponding to the authentication key (or authentication data) (630), compares the balance of the financial account with the content usage fee, It is determined whether billing / settlement processing is possible (635).

If it is determined in step 640 that the direct billing / settlement processing is not possible, the server 140 generates a message (e.g., a voice message or a text message) containing predetermined billing error information and transmits the message to the customer wireless terminal 100 (645), and transmits the content fee charging error to the content providing server 130 (650).

If the direct billing / settlement processing is possible (640), the server 140 instructs the content providing server 130 to provide predetermined content requested by the user of the mobile terminal 100 (655) , The server 140 charges the calculated content usage fee to the server (2) 170 (660).

FIG. 7 is a diagram illustrating a preferred method of processing a communication usage fee and / or content usage fee of a customer wireless terminal according to an embodiment of the present invention.

In more detail, FIG. 7 is a diagram illustrating a configuration of the direct debit charging / settlement function shown in FIG. 1, in which the server (2) 170 transmits a communication fee and / To a preferred process for settlement processing.

Referring to FIG. 7, the server 2 170 determines whether a predetermined communication fee and / or content fee for the customer wireless terminal 100 is charged from the server 140 (700) If a predetermined communication fee and / or content fee is charged (705), the server (2) 170 receives the authentication key (or authentication data) and communication fee and / or content fee from the server 140 (710), accesses the predetermined customer financial account information stored in association with the received authentication key (or authentication data) from the storage medium (715), and accesses the financial information corresponding to the authentication key The balance information of the account is extracted (720), and the balance of the financial account is compared with the communication fee and / or the content fee to determine whether the debit type billing / settlement process is possible (725).

If it is determined in step 730 that the direct billing / settlement processing is not possible, the server 2 170 generates a message (e.g., a voice message or a text message) including predetermined billing error information, 140 to the customer wireless terminal 100 (735).

On the other hand, if the debit type billing / settlement processing is possible (730), the server (2) 170 transmits the communication fee and / or content usage fee in cooperation with the financial system 199 in which the customer- (740), and inquires whether the settlement processing for the communication fee and / or the content fee is completed (745) in cooperation with the financial system (199) .

If the settlement processing for the communication fee and / or the content fee is completed (750), the server (2) 170 generates a settlement process breakdown for the communication fee and / or the content fee, (755) and completes the direct debit billing / settlement process for the communication fee and / or the content fee.

FIG. 8 is a diagram illustrating a preferred method of processing the communication usage fee and / or content usage fee of the customer wireless terminal 100 according to another embodiment of the present invention.

FIG. 8 is a flowchart illustrating the process of calculating the communication fee and / or the content fee of the customer wireless terminal 100 shown in FIG. 7 by comparing the balance of the financial account extracted from the storage medium and the communication fee and / When the direct billing / settlement processing is possible, the communication fee and / or the contents usage fee are accumulated for a predetermined period, and the sum of the communication fee and / or the content fee is periodically summed and processed.

Referring to FIG. 8, if the server 2 170 can perform the direct billing / settlement processing for the communication fee and / or the content fee, the server 2 170 transmits the uncomparized communication fee and / (805) a sum of the communication fee and / or content fee received from the server (140) and the uncompensated communication fee and / or content fee (805), and the combined communication fee and / (Or authentication data), stores the usage fee in the storage medium (810), and confirms whether or not the communication fee and / or content usage fee is processed through the financial system 199 815). If it is not determined that the communication fee and / or content usage fee are to be settled (820), the server (2) Bless.

On the other hand, if it is determined that the communication usage fee and / or the content usage fee is to be settled (for example, the communication usage fee and / or the content usage fee is reached) (825) a request to settle the communication fee and / or content usage fee from the customer-owned financial account to the financial account of the charging entity in cooperation with the financial system (199) in which the customer- 199) to check whether the accounting processing for the communication usage fee and / or the content usage fee is completed (830).

If the settlement process for the communication fee and / or the content fee is completed (835), the server (2) 170 generates a settlement process breakdown for the communication fee and / or the content fee, (840), thereby completing the direct debit billing / settlement processing for the communication usage fee and / or the content usage fee.

FIG. 9 is a diagram illustrating a preferred method of processing the communication usage fee and / or content usage fee of the customer wireless terminal 100 according to another embodiment of the present invention.

FIG. 9 is a flowchart illustrating a method for processing a communication usage fee and / or a content usage fee of the customer wireless terminal 100 shown in FIG. 7 and / or FIG. 8 before the communication fee and / And setting a predetermined lock on the financial account so that the amount corresponding to the requested communication usage fee and / or the content usage fee is not withdrawn from the financial account.

9, a predetermined communication fee and / or a content fee, which is a sum of the communication fee and / or the content fee and the uncommitted communication fee and / or the content fee received from the server 140, The server 2 170 stores the amount of money corresponding to the sum of the communication fee and / or the content fee from the customer financial account in cooperation with the financial system 199, (905) whether the lock is set such that the amount corresponding to the communication fee and / or the content fee is not withdrawn from the customer financial account through the financial system (199) .

If it is confirmed that the money corresponding to the communication fee and / or the content fee is not withdrawn from the customer financial account (910), the server (2) (170) If it is not determined that the communication fee and / or content usage fee is to be settled (920), the server 2 (920) determines whether the communication fee and / 170 repeats the process of FIG.

On the other hand, if it is determined that the communication usage fee and / or the content usage fee are to be settled (for example, the communication usage fee and / or the content usage fee is reached), the server (2) (925) to process the communication fee and / or content usage fee from the customer-owned financial account to the financial account of the charging entity in cooperation with the financial system (199) in which the customer- 199) to check whether the settlement process for the communication fee and / or the content fee is completed (930).

If the settlement processing for the communication fee and / or the content fee is completed (935), the server (2) 170 transmits the communication fee and the communication fee to the customer financial account through the financial system 199 / / Cancel withdrawal lock for content usage fee (940).

100: wireless terminal 105: base station
110: Control station 115:
120: Network interworking device 125: HLR / VLR
130: Content providing server 135: Charging interface
140: server 145: fee calculation unit
150: financial account checking unit 155: authentication key receiving unit
160: Information transferring unit 165: Storage medium
170: server (2) 175: information receiver
180: financial account management unit 185: financial account confirmation unit
190: Settlement processing unit 195: Lock setting unit
197: Information Transmission Department 198: Settlement Interface
199: Financial system

Claims (8)

Based on a packet-based communication network based on a packet-based communication network based on a mobile communication based on a customer accessable wireless terminal and a packet-based communication network based on a short-range communication, Lt; RTI ID = 0.0 > and / or < / RTI &
Based on the packet-based communication network based on the mobile communication and the packet-based communication network based on the short distance communication, the server transmits the customer information inputted by the customer from the customer wireless terminal to the payment means A first step of receiving payment means information corresponding to the payment method according to a specified procedure;
The server provides the customer information and the payment means information to the financial company server to request the customer corresponding to the customer information in the financial company to certify whether the payment means corresponding to the payment means information is validly issued or to issue the payment means A second step of verifying the result of the authentication; And
When the server corresponding to the customer information is authenticated as the issuer of the payment means through the financial company server, the server confirms a separate authentication key for uniquely identifying the payment means information of the authenticated customer, And a third step of associating the customer information and the authentication key so that the registered payment means information of the customer is identified through the authentication key when the billing information is received for the wireless payment How to register your payment method.
The method according to claim 1,
The first step further comprises receiving wireless terminal information identifying the customer wireless terminal,
The second step further includes confirming a result of authenticating that the subscriber of the wireless terminal corresponding to the wireless terminal information is the customer corresponding to the customer information using the customer information and the wireless terminal information And a payment method registration method for wireless payment.
4. The method according to claim 3,
Further comprising the step of connecting the wireless terminal information and the authentication key so that the registered payment means information of the customer is identified for settlement using the packet based communication network of the customer wireless terminal and storing the wireless terminal information in a storage medium. How to register a payment method for payment.
The method according to claim 1,
Stored in the storage medium in association with the authentication key, or
Wherein the payment server is connected to the authentication key and is registered and stored in the financial company server.
The authentication method according to claim 1,
Wherein the payment information is stored in a secure memory area mounted on the customer wireless terminal and transmitted to the server upon payment to identify and extract the registered payment means information of the customer.
The method according to claim 1,
Upon payment using the customer wireless terminal,
The server receiving an authentication key stored in the customer wireless terminal through a communication network; And
Further comprising the step of providing the authentication key to the financial company server and processing the payment means information stored in the financial company server to be extracted.
The method according to claim 1,
Wherein the server further comprises checking and storing authentication data for authenticating a settlement using the customer wireless terminal.
8. The method of claim 7,
Upon payment using the customer wireless terminal,
The server receiving authentication data for authenticating a payment using the customer wireless terminal through a communication network; And
Wherein the server authenticates the validity of payment using the customer wireless terminal using the stored authentication data. ≪ Desc / Clms Page number 19 >

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