KR20200023340A - Method for Registering Information for Mobile Easy Payment - Google Patents

Abstract

The present invention relates to a method for registering information for wireless easy payment, which is executed through a server communicating with a wireless terminal of a customer through at least one packet-based communications network and communicating with a financial company server which has issued a payment means to the customer, wherein the server receives customer information of the customer, wireless terminal information for uniquely identifying a wireless terminal of the customer, and payment means information on the payment means of the customer from the wireless terminal of the customer. In addition, the server performs an authentication process of requesting authentication of validity of the customer information and the wireless terminal information through a communications company server corresponding to a billing entity of the wireless terminal or confirming an authenticated result, and an authentication process of requesting authentication of validity of the customer information and the payment means information through the financial company server which has issued the payment means or confirming an authenticated result. Also, when the validity of the customer information and the wireless terminal information is authenticated through the communications server and the validity of the customer information and the payment means information is authenticated through the financial company server, the server confirms a separate unique authentication key for uniquely identifying the authenticated payment means information, and connects the confirmed authentication key, the customer information and the wireless terminal information to store the same in a storage medium, wherein the authentication key is also connected to the payment means information of the customer to be stored.

Description

Method for Registering Information for Mobile Easy Payment}

The present invention provides a method of communicating with a wireless terminal of a customer via at least one packet-based communication network and executed by a server communicating with a financial company server that has issued a payment method to the customer, wherein the server is connected to the wireless terminal of the customer. Receives customer information of the customer, wireless terminal information for uniquely identifying the wireless terminal of the customer and payment means information for the payment means of the customer, the server via the communication company server corresponding to the charging subject of the wireless terminal; An authentication process for verifying the result of requesting or authenticating the validity of the customer information and the wireless terminal information and verifying the result of requesting or authenticating the validity of the customer information and the payment method information through the financial company server that issued the payment method. Performing an authentication process and validating the customer information and the wireless terminal information through the communication company server; When the surname is authenticated and the validity of the customer information and payment means information is authenticated through the financial company server, the server confirms a separate unique authentication key for uniquely identifying the authenticated payment means information, and the server The authentication key is connected to the customer information and the wireless terminal information and stored in a storage medium, wherein the authentication key relates to an information registration method for wireless simple payment is also stored in connection with the payment means information of the customer.

In the conventional wireless fee processing method, the communication fee and / or content fee used by the customer's wireless terminal is calculated and accumulated for a predetermined period, and the calculated communication fee and / or content fee is calculated after the predetermined period has elapsed. When charged to a customer, the customer pays a postpaid wireless fee processing method that is settled by Giro or direct debit, the customer prepays a predetermined amount as a communication fee and / or content fee used by the customer's wireless terminal, A prepaid wireless fee processing method for receiving the voice call and / or content using service within the prepaid amount of money is provided.

However, the postpaid wireless fee processing method includes a problem that the customer is overdue or not received when the customer does not settle the calculated communication fee and / or content fee. In the case of using the prepaid amount during the voice call and / or content use, the prepayment process may be inconvenient.

An object of the present invention is a method of communicating with a wireless terminal of a customer via at least one packet-based communication network and executed by a server communicating with a financial company server that has issued a payment method to the customer, wherein the server is a wireless client. A first step of receiving customer information of the customer, wireless terminal information for uniquely identifying the wireless terminal of the customer, and payment means information for the payment means of the customer from the terminal; and the server corresponds to a charging subject of the wireless terminal. Authentication process for verifying the result of the request or authentication of the customer information and the wireless terminal information through a communication company server and requesting or verifying the validity of the customer information and payment means information through the financial company server that issued the payment method. The second step of performing the authentication process to confirm the result and the customer through the carrier server When the validity of the wireless information and the wireless terminal information is authenticated and the validity of the customer information and the payment means information through the financial company server, the server generates a separate unique authentication key for uniquely identifying the authenticated payment means information The third step of checking and the server comprises a fourth step of connecting the identified authentication key, the customer information and the wireless terminal information to store in a storage medium, wherein the authentication key, and also the payment means information of the customer An object of the present invention is to provide a method for registering information for wireless simple payment.

The information registration method for easy wireless payment according to the present invention is a method executed by a server communicating with a financial terminal server that communicates with a wireless terminal of a customer via at least one packet-based communication network and issued a payment method to the customer. The server may include receiving first customer information of the customer, wireless terminal information for uniquely identifying the wireless terminal of the customer, and payment means information for the payment method of the customer from the wireless terminal of the customer and the server. An authentication process for verifying the result of requesting or authenticating the validity of the customer information and the wireless terminal information through a communication company server corresponding to the charging subject of the wireless terminal and the customer information and payment means through the financial company server that issued the payment means. The second step of performing the authentication process of requesting the validity of the information or confirming the result of the authentication. And when the validity of the customer information and the wireless terminal information is authenticated through the communication company server and the validity of the customer information and the payment means information is authenticated through the financial company server, the server may uniquely identify the authenticated payment means information. The third step of identifying a separate unique authentication key for the server and the server comprises a fourth step of connecting the identified authentication key and the customer information and wireless terminal information to store in a storage medium, the authentication key, It is also characterized in that the connection is stored with the customer's payment means information.

In the information registration method for easy wireless payment according to the present invention, the payment means information of the customer, is stored in the storage medium connected to the authentication key, or registered and stored in the financial company server connected to the authentication key It is characterized by.

In the information registration method for easy wireless payment according to the present invention, the second step, by providing the customer information and the wireless terminal information to the communication company server corresponding to the charging subject of the wireless terminal to request or authenticate the authentication possible Characterized in that it comprises an authentication process to confirm the result.

In the information registration method for easy wireless payment according to the present invention, the second step, authentication to verify the result of the authentication request or authentication by providing the customer information and payment means information to the financial company server that issued the payment means; Characterized by including a process.

In the information registration method for easy wireless payment according to the present invention, the authentication key is stored in the storage medium in connection with the customer information and wireless terminal information in order to secure the authentication of payment using the authenticated customer wireless terminal And it is also stored in the designated storage area of the customer wireless terminal, characterized in that it is stored in connection with the payment means information of the customer registered and stored in the storage medium or financial company server to uniquely identify the authenticated customer payment means.

In the information registration method for wireless simple payment according to the present invention, the authentication key is extracted from the designated storage area of the customer wireless terminal in the payment process and received through a communication network, the customer's stored in the storage medium or financial company server Characterized in that it is used to extract the payment means information.

In the information registration method for easy wireless payment according to the present invention, the authentication key, the customer through the process of confirming that the received via the designated path from the customer wireless terminal in each subsequent payment process stored in the storage medium to the customer It is used to extract the payment means information of the customer only when received from the wireless terminal.

In the information registration method for easy wireless payment according to the present invention, when the payment using the customer wireless terminal after the authentication key is stored, the server receives the authentication key extracted from the designated storage area of the customer wireless terminal And extracting the payment means information of the customer stored in the storage medium through the authentication key or providing the payment means information of the customer stored in the financial company server to the financial company server. It features.

In the information registration method for easy wireless payment according to the present invention, the server further comprises the step of confirming and storing the authentication data for authenticating the payment using the customer wireless terminal.

In the information registration method for easy wireless payment according to the present invention, when the payment using the customer wireless terminal, the server receiving the authentication data for authenticating the payment using the customer wireless terminal through the communication network and the server The method may further include authenticating the validity of the payment using the customer wireless terminal using the stored authentication data.

The information registration method for easy wireless payment according to the present invention is a method executed by a server communicating with a financial terminal server that communicates with a wireless terminal of a customer via at least one packet-based communication network and issued a payment method to the customer. The server may include receiving first customer information of the customer, wireless terminal information for uniquely identifying the wireless terminal of the customer, and payment means information for the payment method of the customer from the wireless terminal of the customer and the server. An authentication process for verifying the result of requesting or authenticating the validity of the customer information and the wireless terminal information through a communication company server corresponding to the charging subject of the wireless terminal and the customer information and payment means through the financial company server that issued the payment means. The second step of performing the authentication process of requesting the validity of the information or confirming the result of the authentication. And when the validity of the customer information and the wireless terminal information is authenticated through the telecommunication company server and the validity of the customer information and the payment means information is authenticated through the financial company server, the server is connected to the authenticated customer information or the wireless terminal information. A third step of verifying a separate unique authentication key for uniquely identifying the authenticated payment means information while securing authentication of payment using a customer wireless terminal corresponding to the authenticated wireless terminal information and the server And a fourth step of connecting an authentication key to the customer information and wireless terminal information and storing the authentication key in a storage medium, wherein the authentication key includes the customer information and wireless information to secure authentication of payment using the authenticated customer wireless terminal. It is stored in the storage medium in connection with the terminal information and stored in the designated storage area of the customer wireless terminal. And stored in connection with the payment means information of the customer registered and stored in the storage medium or the financial company server to uniquely identify the authenticated customer payment means, and extracted from a designated storage area of the customer wireless terminal in each payment process. Received through, and is used to extract the payment means information of the customer stored in the storage medium or financial company server.

In the information registration method for easy wireless payment according to the present invention, the payment means information of the customer, is stored in the storage medium connected to the authentication key, or registered and stored in the financial company server connected to the authentication key It is characterized by.

In the information registration method for easy wireless payment according to the present invention, the second step, by providing the customer information and the wireless terminal information to the communication company server corresponding to the charging subject of the wireless terminal to request or authenticate the authentication possible Characterized in that it comprises an authentication process to confirm the result.

In the information registration method for easy wireless payment according to the present invention, the second step, authentication to verify the result of the authentication request or authentication by providing the customer information and payment means information to the financial company server that issued the payment means; Characterized by including a process.

In the information registration method for easy wireless payment according to the present invention, the authentication key, the customer through the process of confirming that the received via the designated path from the customer wireless terminal in each subsequent payment process stored in the storage medium to the customer It is used to extract the payment means information of the customer only when received from the wireless terminal.

In the information registration method for easy wireless payment according to the present invention, when the payment using the customer wireless terminal after the authentication key is stored, the server receives the authentication key extracted from the designated storage area of the customer wireless terminal And extracting, by the server, payment means information of the customer stored in the storage medium through the authentication key or providing the payment means information of the customer stored in the financial company server to the financial company server. It is characterized by.

In the information registration method for easy wireless payment according to the present invention, the server further comprises the step of confirming and storing the authentication data for authenticating the payment using the customer wireless terminal.

In the information registration method for easy wireless payment according to the present invention, when the payment using the customer wireless terminal, the server receiving the authentication data for authenticating the payment using the customer wireless terminal through the communication network and the server The method may further include authenticating the validity of the payment using the customer wireless terminal using the stored authentication data.

Method for registering information for simple wireless payment according to the present invention, a method of communicating with a wireless terminal used by the customer via at least one packet-based communication network and is executed through a server communicating with the financial company server that issued the payment means to the customer The method of claim 1, wherein the server receives the customer information of the customer, wireless terminal information for uniquely identifying the wireless terminal of the customer, and payment means information for the payment means of the customer from a wireless terminal connected to a packet-based communication network. And the server authenticates or confirms whether the wireless terminal corresponding to the wireless terminal information is a customer wireless terminal owned by a customer corresponding to the customer information or the authentication result by interworking with a communication company server corresponding to the wireless terminal information. The payment means in connection with a process and a financial company server corresponding to the payment means information; A second step of performing an authentication process for confirming whether the payment means corresponding to the security is a customer payment means validly issued to the customer corresponding to the customer information or confirming the result of the authentication, and the wireless terminal corresponding to the wireless terminal information. When the payment means corresponding to the customer wireless terminal and the payment means corresponding to the payment means information is authenticated as the customer payment means, the server secures the authentication of the payment using the authenticated customer wireless terminal and the authenticated customer payment means. A third step of identifying a separate unique authentication key for unique identification, and the server includes a fourth step of connecting the verified authentication key with the customer information and the wireless terminal information and storing the identification key in a storage medium. The key is connected with the customer information and the wireless terminal information to secure the authentication of payment using the authenticated customer wireless terminal. Connected to and stored in the storage medium and stored in a designated storage area of the customer wireless terminal, and the payment means information of the customer stored in the storage medium or the financial company server to uniquely identify the authenticated customer payment means; It is characterized in that the connection is stored.

In the information registration method for a simple wireless payment according to the present invention, the payment means information of the customer, is stored in the storage medium connected to the authentication key, or registered and stored in the financial company server connected to the authentication key It is characterized by.

In the information registration method for easy wireless payment according to the present invention, the authentication key is extracted from the designated storage area of the customer wireless terminal in each subsequent payment process stored in the storage medium and received via a packet-based communication network, Characterized in that it is used to extract the payment means information of the customer stored in the storage medium or financial company server.

In the information registration method for easy wireless payment according to the present invention, the authentication key is transmitted through the packet-based communication network from the customer wireless terminal in each subsequent payment process stored in the storage medium is received via a designated path It is characterized in that it is used to extract the payment means information of the customer only when received from the customer wireless terminal through the checking process.

In the information registration method for easy wireless payment according to the present invention, when the payment using the customer wireless terminal after the authentication key is stored, the server receives the authentication key extracted from the designated storage area of the customer wireless terminal And extracting the payment means information of the customer stored in the storage medium through the authentication key or providing the payment means information of the customer stored in the financial company server to the financial company server. It features.

In the information registration method for simple wireless payment according to the present invention, the server further comprises the step of identifying and storing the authentication data for authenticating the payment using the customer wireless terminal.

In the information registration method for simple wireless payment according to the present invention, when the payment using the customer wireless terminal, the server receiving the authentication data for authenticating the payment using the customer wireless terminal through the communication network and the server The method may further include authenticating a validity of the payment using the customer wireless terminal using the stored authentication data.

The information registration method for wireless payment according to the present invention is a method for communicating with a wireless terminal used by a customer via at least one packet-based communication network and executed through a server communicating with a financial company server that issued a payment method to the customer. In this case, the server is a payment from the wireless terminal connected to the packet-based communication network to the customer information of the customer and the wireless terminal information to uniquely identify the customer's wireless terminal transmitted according to the specified registration procedure before payment The first step of receiving the means information and the server requests the authentication whether the wireless terminal corresponding to the wireless terminal information is a customer wireless terminal owned by the customer corresponding to the customer information through a communication company server corresponding to the wireless terminal information; Financial process corresponding to the payment method information and the authentication process to confirm the authentication result A second step of performing an authentication process for confirming whether the payment means corresponding to the payment means information is a customer payment means validly issued to the customer corresponding to the customer information or verifying the result of the authentication through the server; When a wireless terminal corresponding to the wireless terminal information is authenticated to the customer wireless terminal and a payment means corresponding to the payment means information is authenticated as the customer payment means through the financial company server, the server wirelessly communicates with the customer information. A third step of identifying a separate authentication key for uniquely identifying payment means information of the authenticated customer in addition to the terminal information, and the server pre-authenticates through the authentication process by using the authentication key in each subsequent payment process Opening the verified authentication key and the customer information and wireless terminal information to uniquely identify the customer And a fourth step of storing the information in a storage medium, wherein the authentication key is stored in a designated memory area of a customer wireless terminal corresponding to the wireless terminal information, and is transmitted and received through a packet-based communication network in each subsequent payment process. In each subsequent payment process, it is stored in connection with payment means information stored in the storage medium or financial company server to extract the payment means information of the customer, which is pre-authenticated through the authentication process and stored in the storage medium or financial company server. It is characterized by.

In the information registration method for wireless payment according to the present invention, the payment means information of the customer is connected to the authentication key and stored in the storage medium, or is connected to the authentication key and stored in the financial company server It is characterized by.

In the information registration method for wireless payment according to the present invention, the authentication key,

In each subsequent payment process, it is transmitted through the packet-based communication network from the customer wireless terminal to confirm that it is received through a designated path, and used to identify and extract the registered stored payment method information of the customer only when received from the customer wireless terminal. It is characterized by.

In the information registration method for wireless payment according to the present invention, when the payment using the customer wireless terminal, the server receiving the authentication key stored in the customer wireless terminal through the communication network and the server is the authentication key Providing to the financial company server, characterized in that it further comprises the step of processing to extract the payment means information registered in the financial company server.

In the information registration method for wireless payment according to the present invention, the server further comprises the step of identifying and storing the authentication data for authenticating the payment using the customer wireless terminal.

In the information registration method for wireless payment according to the present invention, when the payment using the customer wireless terminal, the server receiving the authentication data for authenticating the payment using the customer wireless terminal through the communication network and the server Characterizing the validity of the payment using the customer wireless terminal using the stored authentication data characterized in that it further comprises.

The payment method registration method for a wireless payment according to the present invention, the customer wireless terminal using the customer via a packet-based communication network of any one of a mobile communication-based packet-based communication network and a short-range communication-based packet-based communication network that can be multi-access In a method executed by a server communicating with a wireless terminal and communicating with a financial company server that issued a payment method to a customer, the server is connected to a wireless terminal based packet communication network based on a short distance communication or a packet based communication network. Receiving customer information input by the customer from the customer wireless terminal via a packet-based communication network, wireless terminal information for uniquely identifying the customer wireless terminal, and payment means information corresponding to the customer's payment means according to a specified procedure. The first step and the server to the radio terminal information Verify the result of requesting or authenticating the validity of the customer's wireless terminal through a communication company server and providing the customer information and payment means information to the financial company server so that a financial company provides the customer with the customer information corresponding to the payment means information. A second step of verifying whether a corresponding payment means is in a valid issued state or confirming a result of authenticating whether the payment means is issued; and the validity of the customer wireless terminal is confirmed through the communication company server, and the financial company server When the customer corresponding to the customer information is authenticated as the issuer of the payment means, the server checks a separate authentication key for uniquely identifying the payment means information of the authenticated customer in addition to the customer information and the wireless terminal information, Connect the verified authentication key with customer information and wireless terminal information to And the third step, wherein the authentication key is stored in a designated memory area of a designated customer wireless terminal corresponding to the wireless terminal information, and is transmitted through the designated customer wireless terminal at the time of payment and received through a designated path. It is characterized in that it is used to identify and extract the registered stored payment means information of the customer only when it is received from the designated customer wireless terminal.

In the method of 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 connection with the authentication key, or registered and stored in the financial company server in connection with the authentication key. It is characterized by.

In the method of registering a payment means for wireless payment according to the present invention, when the payment is made using the customer wireless terminal, the server receiving an authentication key stored in the customer wireless terminal through a communication network and the server is the authentication key Providing to the financial company server and processing to extract the payment means information registered in the financial company server; characterized in that it further comprises.

In the payment method registration method for a wireless payment according to the present invention, the server further comprises the step of confirming and storing the authentication data for authenticating the payment using the customer wireless terminal.

In the method of registering a payment means for wireless payment according to the present invention, when the payment is made using the customer wireless terminal, the server receiving authentication data for authenticating the payment using the customer wireless terminal through a communication network and the server The method may further include authenticating a validity of the payment using the customer wireless terminal using the stored authentication data.

According to the present invention, a method of registering a payment method for a medium-free payment may be performed using any one of a mobile communication-based packet-based communication network and a short-range communication-based packet-based communication network that can be multiplexed in a wireless terminal used by a customer. A method of communicating with a terminal and executed by a server communicating with a financial company server that has issued a payment method to the customer, wherein the server is a wireless device used by a customer of the packet-based communication network based on the mobile communication and the short-range communication. The first step and the server receiving the customer information input from the customer from the wireless terminal and the payment means information for the payment means issued to the customer via a packet-based communication network connected from the terminal according to a specified procedure The customer information and payment means information is provided to the financial company server A second step of confirming, by the financial company, whether to issue a payment means corresponding to the payment means information to a customer corresponding to the customer information or confirming a result of authenticating whether the payment means is issued; and an issuer of the payment means. When is authenticated as a customer corresponding to the customer information, the server checks a separate authentication key to uniquely identify the payment means information of the authenticated customer and connects the authenticated customer information and the authentication key to a storage medium. And a third step of storing the authentication key, wherein the authentication key is transmitted and received for payment processing using a packet-based communication network of a customer wireless terminal in which the customer information and payment means information are registered.

In the payment method registration method for a medium-free payment according to the present invention, the first step further comprises the step of receiving wireless terminal information for identifying the wireless terminal, the second step, the customer information and And 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 by using the wireless terminal information.

In the payment method registration method for a medium-free payment according to the present invention, the server further comprises the step of mapping the received customer information and wireless terminal information and storing in a storage medium.

In the payment method registration method for a medium-free payment 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, the registered payment means information It is characterized in that it is used to identify.

In the payment method registration method for a medium-free payment according to the present invention, the payment means information of the authenticated customer, characterized in that stored in the storage medium or stored in the financial company server.

In the payment method registration method for a medium-free payment according to the present invention, when the payment request using the wireless terminal of the authenticated customer, the server receiving the authentication key stored in the wireless terminal of the authenticated customer through a communication network And providing the authentication key to the financial company server to process the stored payment means information to be extracted.

In the payment method registration method for a medium-free payment according to the present invention, the server further comprises the step of identifying and storing the authentication data for authenticating the payment using the wireless terminal of the authenticated customer. .

In the payment method registration method for a medium-free payment according to the present invention, when the payment request using the wireless terminal of the authenticated customer, the server is authenticated for authenticating the payment using the wireless terminal of the authenticated customer through a communication network Receiving the data and the server using the stored authentication data to authenticate the validity of the payment using the wireless terminal of the authenticated customer; characterized in that it further comprises.

According to the present invention, a method of registering a payment method for a medium-free payment may be performed using any one of a mobile communication-based packet-based communication network and a short-range communication-based packet-based communication network that can be multiplexed in a wireless terminal used by a customer. Claims [1] A method of registering a payment means of a customer through a wireless terminal of a customer to be used for payment before communicating with a terminal and executed through a server communicating with a financial company server which has issued a payment means to the customer, the first payment being made. The server may be configured to identify the customer from the wireless terminal via the packet-based communication network connected to the wireless terminal used by the customer among the mobile communication based packet based communication network and the near field communication based packet communication network, and the wireless terminal. Wireless terminal information to identify the payment issued to the customer The first step of receiving the payment means information for the means according to the specified procedure and the server using the customer information and the wireless terminal information, the subscriber of the wireless terminal corresponding to the wireless terminal information corresponding to the customer information Verifying the result of the authentication, and providing the customer information and the payment means information to the financial company server so that the financial company requests the authentication of the payment means corresponding to the payment means information to the customer corresponding to the customer information. Step and when 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 checks the authentication key to uniquely identify the payment means information of the authenticated customer the payment means information Storage medium connected with the wireless terminal information or the customer information corresponding to the wireless terminal registered with the It characterized in that it comprises a third step of storing in.

In the payment method registration method for a medium-free payment according to the present invention, the authentication key is characterized in that the stored in the secure memory area mounted on the wireless terminal of the authenticated customer.

In the payment method registration method for a medium-free payment according to the present invention, the server further comprises the step of mapping the received customer information and wireless terminal information and storing in a storage medium.

In the payment method registration method for a medium-free payment according to the present invention, the payment means information of the authenticated customer, characterized in that stored in the storage medium or stored in the financial company server.

In the payment method registration method for a medium-free payment according to the present invention, when the payment request using the wireless terminal of the authenticated customer, the server receiving the authentication key stored in the wireless terminal of the authenticated customer through a communication network And providing the authentication key to the financial company server to process the stored payment means information to be extracted.

In the payment method registration method for a medium-free payment according to the present invention, the server further comprises the step of identifying and storing the authentication data for authenticating the payment using the wireless terminal of the authenticated customer. .

In the payment method registration method for a medium-free payment according to the present invention, when the payment request using the wireless terminal of the authenticated customer, the server is authenticated for authenticating the payment using the wireless terminal of the authenticated customer through a communication network Receiving data and the server further comprises the step of authenticating the validity of the payment using the wireless terminal of the authenticated customer using the stored authentication data.

In the method of registering a customer payment method for a medium-free payment according to the present invention, the method is executed through a server associated with a financial company server that issues a payment method to a customer, wherein the server is a wireless terminal of a customer to use for payment through a communication network. Receives wireless terminal information for identifying the customer, the customer information directly input by the customer through the wireless terminal of the customer to use for the payment, the customer payment means directly entered by the customer through the wireless terminal of the customer to use for the payment The first step of receiving the information and the server is that the subscriber of the wireless terminal to be used for payment using the customer information and the wireless terminal information when the customer information and the wireless terminal information is received is a customer corresponding to the customer information Check the result of the authentication, and if the customer information and payment method information is received, the customer information to the financial company server And providing payment method information to verify whether the name of the payment method of the customer to be used for the payment is a customer corresponding to the customer information, and when the name of the payment method is authenticated to the customer, the authenticated payment method information to the financial company server. The second step of requesting to store in the and the server is authenticated when the subscriber of the wireless terminal to be used for 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 In order to identify the requested payment using the wireless terminal, the authenticated customer information and the wireless terminal information are mapped and stored in a storage medium, and when the requested payment is identified using the authenticated wireless terminal, Check the authentication key for extracting the customer's payment method information stored in the storage medium The loading is characterized by including a third step.

In the method of registering a customer payment method for a medium-free payment according to the present invention, when a payment using the stored payment information of the customer is requested using the wireless terminal of the authenticated customer, the server authenticates the communication through a communication network. Receiving an authentication key for authenticating the requested payment using the wireless terminal of the customer and the server further comprises the step of providing the authentication key to the financial company server to process the stored payment means information is extracted; Characterized in that made.

In the method of registering a customer payment method for a medium-free payment according to the present invention, the server uses the wireless terminal of the authenticated customer to wirelessly authenticate the payment of the authenticated customer using the stored payment information of the customer. Identifying the authentication data to be transmitted from the terminal characterized in that it further comprises the step of storing in the storage medium.

In the method of registering a customer payment method for a medium-free payment according to the present invention, when a payment request using the stored payment means information of the stored customer is requested using the wireless terminal of the authenticated customer, the server stores the stored information through a communication network. Receiving authentication data for authenticating payment using customer's payment means information, and when the server authenticates the validity of the received authentication data through the stored authentication data, and when the validity of the authentication data is authenticated, The server may further include extracting the stored payment means information of the customer through the financial company server to process the approval process of the payment.

In the method of registering a customer payment method for a medium-free payment according to the present invention, the wireless terminal is connected to a packet-based communication network through a mobile communication network, or is in close proximity to RF (Radio Frequency) communication, wireless LAN (Wireless LAN), Wi-Fi ( Wi-Fi), Bluetooth (BlueTooth) is characterized in that connected to the packet-based communication network through the short-range communication.

According to the present invention, a method of registering a customer payment method for a medium-free payment is a method of registering a customer payment method for a medium-free payment that is executed by a server provided to a financial company that issues a payment method to a customer. A first step of receiving wireless terminal information identifying a wireless terminal of a customer to be used for payment, and receiving customer information directly input by the customer and payment means information of the customer to be used for payment through the identified customer's wireless terminal; The name of the payment means of the customer to be used for the payment using the customer information and the payment means information is confirmed when the result of the authentication that the subscriber of the wireless terminal to be used for the payment is verified using the customer information and the wireless terminal information. A second step of authenticating whether the customer is the customer and the subscriber of the wireless terminal to be used for the payment is the customer and the payment When the name of the payment means to be used is the customer, the authenticated customer information, wireless terminal information, and payment means information are mapped and stored in a storage medium, and the requested payment is authenticated by using the wireless terminal of the authenticated customer. And a third step of identifying an authentication key for extracting the stored payment means information from the storage medium and storing it in the storage medium.

In the method of registering a customer payment method for a medium-free payment according to the present invention, when a payment using the payment means information of the customer stored in the storage medium is requested using the wireless terminal of the authenticated customer, the server establishes a communication network. And receiving an authentication key for authenticating the requested payment using the authenticated wireless terminal of the customer and extracting payment means information stored in the storage medium using the authentication key. It is done.

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

In the method of registering a customer payment method for a medium-free payment according to the present invention, when a payment using the payment means information of the customer stored in the storage medium is requested using the wireless terminal of the authenticated customer, the server establishes a communication network. 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 comprises the step of processing the approval process of the payment is performed through the payment means information of the customer stored in the storage medium.

In the method of registering a customer payment method for a medium-free payment according to the present invention, the wireless terminal is connected to a packet-based communication network through a mobile communication network, proximity RF (Radio Frequency) communication, wireless LAN (Wireless LAN), Wi-Fi ( Wi-Fi), Bluetooth (BlueTooth) is characterized in that connected to the packet-based communication network through the short-range communication.

According to the present invention, a mobile communication company that provides a predetermined voice call service through the customer wireless terminal (or a wireless network (wireless data communication, portable Internet) service provider using a wireless terminal) and / or a predetermined service through the customer wireless terminal The content provider that provides contents of the service provider provides a debit-type billing and settlement service through the customer's financial account, thereby preventing the communication fee and / or content fee used by the customer's wireless terminal from being overdue or unpaid. There is an advantage.

According to the present invention, when the billing and settlement of the communication fee and / or content fee used by the customer wireless terminal in the form of postpay in the form of automatic transfer method in connection with a predetermined financial account, using the customer and the mobile carrier (or wireless terminal) By changing the billing and settlement terms between wireless networks (wireless data communication, portable Internet service providers), the financial account is converted into a debit settlement processing financial account to provide a debit billing and settlement service.

1 is a diagram showing a wireless rate processing system according to a preferred embodiment of the present invention.
2 is a diagram showing storage information for debit billing and settlement according to a preferred embodiment of the present invention.
3 is a diagram illustrating a functional configuration of a wireless terminal according to a preferred embodiment of the present invention.
4 is a diagram illustrating a method of registering a financial account for debit billing and settlement according to an embodiment of the present invention.
5 is a diagram illustrating a preferred method of calculating and billing a communication fee of a customer wireless terminal according to an exemplary embodiment of the present invention.
6 is a view showing a preferred method for calculating and billing the content usage fee of a customer wireless terminal according to one embodiment of the present invention.
7 is a diagram showing a preferred method for calculating and processing the communication fee and / or content fee of the customer wireless terminal according to an embodiment of the present invention.
8 is a view showing a preferred method for calculating the communication fee and / or content fee of the customer wireless terminal according to another embodiment of the present invention.

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

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

In addition, the preferred embodiment of the present invention to be described below is described as being provided to the outside of the storage medium accessible from the server in order to efficiently describe the technical components constituting the present invention, it is common in the art Those skilled in the art will clearly understand that the storage medium may be provided inside the server.

In addition, preferred embodiments of the present invention described below are described as being provided in the server all the functional configuration provided in the server to efficiently describe the technical components constituting the present invention, in the technical field to which the present invention belongs Those skilled in the art, the functional configuration provided in the server is interlocked through a predetermined network and / or communication means in accordance with the intention of those skilled in the art of implementing the present invention (for example, information or data for the server function realization It will be apparent that at least two servers (transmitting and receiving each other) may be provided separately.

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

1 is a diagram showing a wireless rate processing system according to a preferred embodiment of the present invention.

In more detail, FIG. 1 illustrates a mobile communication company (or a wireless network provider) and / or a content provider that charges a predetermined communication fee and / or content fee for a customer-owned wireless terminal 100, and the mobile communication company (or Wireless network provider) and / or predetermined charging function configuration (e.g., the switching center 115 of the mobile telecommunication company, the content providing server 130 of the content provider, or the charging means provided in the mobile telecommunication company or the content provider). And a debit billing / settlement function configuration (eg, server 140 and / or server 2 and 170 shown in FIG. 1) to provide a debit billing / settlement service by interworking with a predetermined billing interface 135. And a storage medium), and a banking system for providing a debit settlement processing service by interworking with the debit billing / settlement function configuration and a predetermined settlement interface 198. Shows a preferred binary luer wireless charge settlement processing system.

According to the implementation method of the present invention, the debit billing / settlement function configuration (server 140, server 2 (170), and storage medium shown in Figure 1) is the intention and / or pre-installed billing of those skilled in the art A mobile carrier (or wireless network provider) and / or a content provider that charges a predetermined communication fee and / or content fee for the customer-owned wireless terminal 100 according to the characteristics of the settlement system and the mobile communication company ( Or a wireless network provider), a payment agency and / or a billing agency and / or a settlement agency that interoperate with the billing entity, or a banking system 199. That is, the debit billing / settlement function configuration (server 140, server 2, 170, and storage medium shown in FIG. 1) is provided in the mobile communication company, the content provider, or the mobile communication company. And / or may be provided in a payment agency and / or a billing agency and / or a settlement agency in association with a content provider, or in a financial system 199, or of the debit billing / settlement function configuration. It is possible that some arrangements are provided separately in the mobile carrier and / or content provider and / or payment agency and / or billing agency and / or settlement agency and / or financial system 199. For example, the server 140 of the debit billing / settlement function configuration is provided in the mobile communication company and / or content provider, the server (2) 170 is a payment agency and / or billing agency and / or settlement agency In the institution and / or financial system (199), the storage medium is provided in the server 140 and / or server (2) (170), or the server (140) and / or server (2) (170) Can be provided on the network accessible. As a result, in the present invention, the technical idea of the present invention is not limited by the position provided with the debit billing / settlement function configuration.

The client wireless terminal 100 performs a predetermined call connection procedure through a predetermined mobile communication network to connect a predetermined call channel for a voice call, and predetermined contents provided by the predetermined content providing server 130. Is basically provided, and a predetermined wireless fee (eg, communication fee and / or content fee) is charged when the voice call and / or the content are used.

According to a preferred embodiment of the present invention, the customer wireless terminal 100 equipped with the above functional configuration is a Personal Communication System (PCS) and / or a GSM (Global System for Mobile communications) terminal and / or personal Personal Digital Cellular (PDC) and / or Personal Handyphone System (PHS) terminals and / or Personal Digital Assistants (PDAs) and / or Smart Phones and / or wireless data communication terminals and And / or at least one portable wireless communication device including a portable internet terminal. The wireless network of each wireless network service provider providing a predetermined wireless network service to the mobile communication network or the wireless terminal 100. In FIG. 1, a wireless network can be accessed through a mobile communication network for easy description. It will be described for the case to be connected. However, it should be understood that the subject matter of the present invention is not limited to the mobile communication network.

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

According to a preferred embodiment of the present invention, the mobile communication network includes a circuit-switched communication fee (for example, a communication fee corresponding to a voice call time through the mobile communication network) and / or a packet-switched communication fee (for example, a mobile communication network). And a communication fee corresponding to a packet (or data) transmitted / received through the mobile communication network, or the mobile communication network charges the communication fee directly to the customer wireless terminal 100, or a predetermined payment agent and / or Or it is characterized by being charged through the billing agency and / or settlement agency.

The content providing server 130 interoperates with the customer-owned wireless terminal 100 using the mobile communication network through a network interworking device 120 of the mobile communication network or through a predetermined network, or a predetermined wired network (eg, And a predetermined wired terminal (for example, a personal computer (PC) or a notebook) used by the customer through the Internet), and the wireless terminal 100 and / or wired. In the process of providing predetermined content to the terminal, a predetermined content fee is charged.

According to a preferred embodiment of the present invention, the content providing server 130 has a fee for each content (for example, a fee for each content for using one or more contents) and / or a fee for each content usage period (for example, Charge a fee for using at least one content for a certain period of time), the content providing server 130 charges the content usage fee directly to the customer wireless terminal 100, or Characterized by a predetermined payment agency and / or billing agency and / or settlement agency.

According to the present invention, a billing subject including the mobile communication network and / or the content providing server 130, or a predetermined payment agency and / or a billing agency and / or a settlement agency, may provide a predetermined billing interface 135. It is characterized in that the interlock with the debit billing / settlement function configuration configuration, the billing interface 135 may be implemented in various ways depending on the relationship between the billing subject and the debit billing / settlement function configuration.

For example, the debit billing / settlement function configuration is provided in software in a predetermined billing means provided in the billing subject (e.g., to realize a function configuration for the debit billing / settlement in a recording medium provided in the billing means. When the program for the recording), the charging interface 135 is an inter-process communication means (or inter-process communication) for connecting the charging program recorded on the recording medium provided in the charging means and the debit charging / settlement function configuration Process), or if the debit billing / settlement function configuration includes a hardware function configuration that interworks with a billing means in the billing subject, the billing interface 135 includes a billing means and the debit. Communication means (e.g., bus or cable) Communication means), or when the debit billing / settlement function configuration is provided on the network, the billing interface 135 includes the billing means provided in the billing subject and the debit billing / settlement function configuration. It consists of a network that connects.

Referring to FIG. 1, the server 140 of the debit billing / billing function configuration includes an authentication key (or authentication data) receiving unit 145 for receiving an authentication key (or authentication data) from the customer wireless terminal 100. And a fee calculation unit 145 for calculating a communication fee and / or a content fee for use by the wireless terminal 100. The calculated communication is linked with the storage medium according to an implementation method. The financial account confirmation unit 150 and / or the authentication key (or authentication data) and the calculated communication fee for checking whether the fee for use and / or the content fee can be withdrawn from the financial account processed in association with the authentication key (or authentication data). And / or an information transmitter 160 for transmitting the content fee information to the server 2 or 170 on the network.

The authentication key (or authentication data) receiving unit 145 is a confidentiality and authentication for charging and / or settlement processing for the wireless terminal 100 from a predetermined customer wireless terminal 100 connected to the mobile communication network. An authentication key (or authentication data) receiving means characterized in that it receives a predetermined authentication key (or authentication data) for securing Authentication, Integrity and Nonrepudiation. The authentication key (or authentication data) may be implemented as a program recorded on a receiving server or a predetermined recording medium provided in the debit billing / billing system.

According to a preferred embodiment of the present invention, when the authentication key (or authentication data) receiving unit 145 arrives at a predetermined authentication key (or authentication data) to the wireless switching center 115 on the mobile communication network, the wireless switching station 115 An authentication key (or authentication data) for extracting the authentication key (or authentication data) from the terminal and / or receiving a predetermined authentication key (or authentication data) from the customer wireless terminal 100 through the mobile communication network. A reception interface (for example, the customer-owned wireless terminal 100 connects to the server 140 via the wireless Internet to provide the authentication key (or authentication data), or transmit the authentication key (or authentication data) to a predetermined wireless message. It is desirable to have an interface to receive through).

The fee calculation unit 145 obtains a predetermined fee including a communication fee and / or content fee of the customer wireless terminal 100 from a predetermined billing means provided in the billing subject through a predetermined billing interface 135. As the fee calculation means to be calculated, it may be implemented by a program recorded on a predetermined fee calculation server or a predetermined recording medium provided in the debit billing / billing system according to the implementation method.

According to a preferred embodiment of the present invention, when the fee calculation unit 145 calculates the communication fee (hourly charge) of the circuit-switched system, the fee calculation unit 145 uses the predetermined billing interface 135. By periodically calculating the communication fee for the customer wireless terminal 100 from the charging means on the mobile communication network until the call channel is disconnected and provided to the financial information confirmation unit and / or information transmission unit 160 It is preferable.

Alternatively, when the fee calculation unit 145 calculates the packet exchange fee for communication (fee per packet), the fee calculation unit 145 is provided from the charging means on the mobile communication network through a predetermined charging interface 135. It is preferable to calculate a predetermined communication fee based on the data (packet) size (capacity) and provide it to the financial information checking unit and / or the information transmitting unit 160.

Alternatively, when the fee calculation unit 145 calculates a content fee (content per content) corresponding to each content, the fee calculation unit 145 may provide a content providing server 130 through a predetermined billing interface 135. Extract the customer wireless terminal information and / or customer information (for example, ID / PW registered in the content providing server 130) for the customer using the content, and calculates the use target content fee to check the financial information It is preferable to provide to the unit and / or information transmission unit 160.

Alternatively, when the fee calculation unit 145 calculates a content fee (use fee per use time) corresponding to the content usage period, the fee calculation unit 145 may provide a content providing server through a predetermined billing interface 135. Extracts customer wireless terminal information and / or customer information (eg, ID / PW registered in the content providing server 130) for the customer who uses the contents from the 130, and calculates the content usage fee for each use time to obtain the finance; It is preferable to provide to the information confirmation unit and / or information transmission unit 160.

The financial account identification unit 150 is linked with a predetermined authentication key (or authentication data) to confirm customer-owned financial account information stored in the storage medium, and the predetermined financial account balance information is obtained from the customer-owned financial account information. By comparing with the communication fee and / or content fee calculated by the extraction and the fee calculation unit 145, to confirm whether the customer using the wireless terminal 100 can pay the communication fee and / or content fee in debit form As the financial account checking means, it may be implemented by a program recorded on a predetermined financial account management server or a predetermined recording medium provided in the debit billing / settlement system according to the implementation method.

According to a preferred embodiment of the present invention, the financial account verification unit 150 receives a predetermined authentication key (or authentication data) from the fee calculation unit 145, and the authentication key (or authentication) provided to the storage medium. Check whether the customer-owned financial account information stored in association with the data) is stored, and if the customer-owned financial account information is stored, extracting the financial account balance, preferably, from the fee calculation unit 145. The communication fee and / or content fee for the terminal 100 may be provided, and the customer using the wireless terminal 100 may directly pay the communication fee and / or content fee in comparison with the extracted financial account balance. If it is possible to pay in debit form, the mobile communication network may provide a predetermined voice call service. Alternatively, and / or the content providing server 130 may provide a predetermined content using service.

The information transmitter 160 transmits, through the server 2 and 170, predetermined communication fee and / or content fee charge information including the communication fee and / or content fee calculated by the fee calculation unit 145. As a charge request means for billing to be settled by debit, providing the communication fee and / or content fee billing information to the server (2) (170) via a predetermined billing interface 135 and / or settlement interface 198 According to the implementation method, it is possible to be implemented as a program recorded on a predetermined fee billing server or a predetermined recording medium provided in the debit billing / settlement system.

According to a preferred embodiment of the present invention, the communication fee and / or content fee request information, the charge amount information including the communication fee and / or content fee calculated in correspondence with the wireless terminal 100, and the charge amount It is preferably made to include the authentication key (or authentication data) and / or customer-owned financial account information corresponding to the customer wireless terminal 100 to pay.

The server 140 is a predetermined wireless bill processing server, preferably consisting of a terminal server or a plurality of servers having respective means.

Referring to Figure 1, the server (2) 170 of the debit billing / settlement function configuration, the customer wireless terminal to pay a customer financial account for paying the communication fee and / or content fee of the customer wireless terminal 100 Financial account management unit 180 for storing and managing in association with the authentication key (or authentication data) provided in the 100, and the authentication key (or authentication data) and the customer wireless terminal 100 from the server 140 Information receiving unit 175 for receiving communication usage fee and / or content fee requesting information of the communication unit; and the receiving unit through a financial account linked to the authentication key (or authentication data) in association with the financial account management unit 180. The financial account checking unit 185 and the financial account checking unit 185 confirming whether the communication fee and / or content fee corresponding to the communication fee and / or content fee request information received by the user can be paid. As a result, when the communication fee and / or content fee of the customer wireless terminal 100 can be paid through the financial account, the billed communication fee and / or content fee is settled daily through the customer's financial account. Or a settlement processing unit 190 for performing periodic or periodic settlement processing.

According to a preferred embodiment of the present invention, the server (2) (170) is a result of the confirmation of the financial account confirmation unit 185, the communication fee and / or content fee of the customer wireless terminal 100 through the financial account If it is impossible to pay the information, the non-payment information of the billed communication fee and / or content fee is transmitted to the server 140 and / or the customer terminal, and / or the customer wireless terminal through the financial account It is preferable to further include an information transmission unit 197 for transmitting to the server 140 and / or the customer terminal the settlement processing details of the communication usage fee and / or content usage fee of (100).

According to a preferred embodiment of the present invention, the server (2) 170 prior to the periodic settlement of the billed communication fee and / or content fee, the amount corresponding to the billed communication fee and / or content fee A lock setting unit 195 for setting a predetermined lock on the financial account so as not to be withdrawn from the financial account, and releasing the set lock when the amount corresponding to the charged communication fee and / or content fee is settled. It is preferable to comprise.

The financial account management unit 180 is a financial system (199) operating a predetermined financial account for a customer using the wireless terminal 100 to pay the communication fee and / or content fee of the wireless terminal 100 by a predetermined financial institution (199) A financial account establishment / registration means for opening and / or registering customer-owned financial account information for a predetermined financial account opened in the financial institution with the storage medium, and customer-owned financial account information registered in the storage medium. A financial account management means for storing and managing, characterized by periodically receiving and updating balance information of the customer-owned financial account from a financial system 199 operated by a financial institution in which the customer-owned financial account is opened. A program recorded in a predetermined financial account management server or a predetermined recording medium provided in the debit billing / settlement system according to a method; It is possible to be carried out as.

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-owned financial account or a predetermined amount from the financial account). When the amount of money withdraws), the balance information of the financial account is transferred to the financial account management unit 180, or the balance information of the financial account is periodically transmitted according to a predetermined predefined policy. 180, the financial account manager 180 may update the received balance information of each customer-owned financial account to each customer-owned financial account information.

Alternatively, the financial account manager 180 requests the balance information of the financial account to the financial system 199 in which the financial account of the customer who uses the wireless terminal 100 is opened periodically according to a predetermined predefined policy. In addition, it is preferable to receive balance information of the financial account from the financial system 199 and update the information on each customer-owned financial account.

The information receiver 175 may be connected to the information transmitter 160 of the server 140 from the server 140 via the predetermined charging interface 135 and / or the settlement interface 198. Information receiving means for receiving the communication fee and / or content fee request information of 100, a program recorded on a predetermined fee request information receiving server or a predetermined recording medium provided in the debit billing / settlement system according to the implementation method It is possible to be carried out as.

The financial account checking unit 185 extracts the authentication key (or authentication data) and / or customer-owned financial account information from the communication fee and / or content fee billing information received through the information receiving unit 175, and Based on the extracted information, the balance of the customer-owned financial account is extracted and compared with the communication fee and / or content fee in conjunction with the financial account manager 180, so that the customer of the wireless terminal 100 uses the communication fee. And / or a financial account checking means for checking whether the content usage fee can be paid in a debit form, the program being recorded in a predetermined financial account management server or a predetermined recording medium provided in the debit billing / settlement system according to an implementation method. It is possible to be carried out as.

According to a preferred embodiment of the present invention, the server 140 and the server (2) (170) is provided with a financial account identification means, the server 140 in the communication fee corresponding to the wireless terminal 100 and And / or a debit billing / settlement error caused by a subtle time difference that occurs between the point of time of calculating the content fee and the point of payment of the communication fee and / or the content fee of the debit method in the server 2 (170). This is to confirm, and may be integrated according to the implementation method.

When the settlement processing unit 190 can pay the communication fee and / or content fee of the customer wireless terminal 100 through the financial account as a result of the confirmation of the financial account checking means, the billed communication Settlement processing means for processing the daily fee or / or content usage fee through the customer's financial account or a daily settlement process, and according to the implementation method, a predetermined server provided in the predetermined settlement server or the debit billing / settlement system It is possible to implement the program recorded on the recording medium.

According to a preferred embodiment of the present invention, the debit settlement method of the settlement processing unit 190 is the amount of the communication fee and / or content fee charged from the customer-owned financial account at the time when the fee is charged from the server 140 A method for withdrawing money to settle the financial account, or accumulating and summing the communication fee and / or content fee for a certain period (eg, a predetermined time or one day) from the customer-owned financial account; Or a predetermined lock on the financial account so that the amount corresponding to the charged communication fee and / or content fee is not withdrawn to another financial account at the time when the fee is charged from the server 140. And set an amount corresponding to the charged communication fee and / or content 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.

The server (2) 170 is a predetermined wireless billing processing server, preferably consisting of a terminal server or a plurality of servers having respective means.

According to the invention, the debit billing / settlement function configuration configuration is characterized in that the interlock with the financial system 199 through a predetermined settlement interface 198, the settlement interface 198 is the debit billing / settlement It may be implemented in various ways depending on the relationship between the functional configuration and the financial system (199).

For example, the debit billing / settlement function configuration is provided in software on a finance related server provided in the banking system 199 (eg, the debit billing / settlement is performed on a recording medium provided in the banking system 199). When a program for realizing a functional configuration is recorded, the settlement interface 198 is a process of connecting the financial program recorded on a recording medium provided in the financial system 199 with the debit billing / settlement functional configuration. Inter-communication means (or inter-process communication process), or when the debit billing / settlement function configuration includes a hardware functional configuration interworking with a financial related server in the financial system 199, The settlement interface 198 is a communication means between the charging means and a predetermined hardware functional configuration for connecting the debit billing / settlement functional configuration ( For example, a bus (BUS) or cable communication means), or when the debit billing / settlement function configuration is provided on the network, the settlement interface 198 is connected to the financial system 199 and the debit. It includes a network linking the mold billing / settlement function configuration.

The financial system 199 includes an account system for a window service such as a credit or a reception or trust or a foreign exchange generated in at least one branch, an information system for processing a headquarters business, support of a branch office, and customer relationship management; An external system that provides various electronic financial services by connecting the system 199 to homes, businesses, stores, and other external computer networks, and an interface between modules (not shown) that provides an interface between components in the financial system 199. It comprises a DBMS (Database Management System) for storing and managing predetermined information required for the function in each component, and the type of each financial institution (for example, commercial banks, savings banks, trust banks, credit card companies And various types of components, such as credit card, foreign exchange, investment banking, and international, depending on the purpose and characteristics of financial system (199). It is possible to be included.

According to a preferred embodiment of the present invention, a function of withdrawing a predetermined communication fee and / or content fee charge amount from a customer-owned financial account in the financial system 199 and transferring it to the financial account of the billing subject is performed. If the debit billing / settlement function configuration is provided in the financial system 199, the debit billing / settlement function configuration and the account system is preferably connected through a predetermined inter-module interface, the debit When the type billing / settlement function configuration is provided on the network it is preferable that the debit billing / settlement function configuration and the account system is connected through the external system.

2 is a diagram showing stored information for debit and billing 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 stored in the storage medium in association with each other. Referring to FIG. 2, the authentication key (or authentication data) is the debit billing. / Further includes wireless terminal information and / or customer information for a predetermined customer wireless terminal 100 for transmitting the authentication key (or authentication data) for settlement, and / or the communication fee and / or content If the fee is not settled immediately, it is preferable to further store and store predetermined information for accumulating and summing the communication fee and / or content fee charged amount corresponding to the customer wireless terminal 100. The information includes financial account information (eg, financial account number) for the customer-owned financial account opened in the financial institution and the balance of the financial account. It is desirable to store the information and / or the transaction fee and / or content fee settlement processing details for the financial account.

According to a preferred embodiment of the present invention, the authentication key (or authentication data) is preferably provided and stored from the mobile communication company and / or IC chip issuer that is mounted or detached to the customer wireless terminal 100, Customer wireless terminal information and / or customer information and financial account information is preferably provided and stored from the customer using the wireless terminal 100 in the opening and / or registration process of the financial account, the communication fee and / or content fee The information for accumulating and summing and the settlement processing history 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.

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 external body, a speaker, a microphone, a keypad, a liquid crystal display (LCD), an antenna and a battery 325, and internally, a code division (CDMA). A predetermined modem chip (e.g., an MSM series modem chip manufactured by Qualcomm, Inc.) that incorporates functions such as a multiple access (CDMA), a CPU / MPU (Central Processing Unit / Micro Processing Unit), a vocoder, and various memory devices. A duplexer filter that separates the transmitted and received signals from the antenna of the antenna, a power amplifier that amplifies the transmitted signal, a high power amplifier (HPA), an isolator that prevents the high-powered transmitted signal from reversed, and out of band RF / IF SAW filter for removing wave signals, frequency up-circuit in the transmission path, frequency down-conversion in the receive path, and VCTCXO (Voltage Controlled Temperature C) for the reference clock source ompensated X-tal Oscillator), a UHF frequency synthesizer used as a local signal for frequency up-and-down conversion, and a codec chip for converting an analog voice signal into a digital signal. In addition, the modem chip is directly integrated with various functions for various multimedia services and / or additional services in addition to the core components for the mobile communication service.

Referring to the hardware configuration of the wireless terminal as described above with reference to the functional configuration of the wireless terminal, as shown in Figure 3, the control unit 300, the screen output unit 310, the key input unit 315 and the sound processor 320 and An IC chip 345 comprising a wireless processor 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 that provides an interface between the IC chip 345 and the wireless terminal 100.

The control unit 300 includes a processor and execution memory including a CPU / MPU provided in the modem chip in hardware, and provides a predetermined program routine for providing a function specific to the wireless terminal 100 from a predetermined memory element. (Routine) and / or a bus (BUS) for inputting and outputting program data and a predetermined electronic circuit (or integrated circuit) provided for this, characterized in that from a predetermined memory device and / or chipset in software As a generic term for a program routine and / or program data loaded into the execution memory and processed by the processor to perform a specific function, various functions to be implemented in the wireless terminal 100 by the controller 300 are included. The first half of the wireless terminal 100 to realize certain functions provided in the wireless terminal 100. It characterized in that the motion is controlled and managed. In particular, in order for the controller 300 to control and manage the overall operation of the wireless terminal 100, the wireless terminal 100 may include an operating system routine from the memory unit 305 in the process of inputting and booting a predetermined power. System control routines and / or system variables are loaded into the execution memory and processed by the processor to configure the controller 300, whereby each functional configuration is operated in the wireless terminal 100.

The screen output unit 310 is a liquid crystal display (LCD) driver for outputting a screen and a key input unit 315 by the control unit 300 (for example, a program routine for outputting predetermined information or data to the LCD). Key data generated through the < RTI ID = 0.0 > ) Is output to the LCD, and through the screen output unit 310 and the LCD is provided a screen output means provided in the wireless terminal.

The key input unit 315 may include at least one key input from a predetermined keypad including a plurality of number keys, character keys, and / or at least one function key. Read a predetermined information or signal corresponding to the data from the data (for example, read from the table that stores the information or signal matching the key data) and delivers it to the control unit 300, the key Key input means provided in the wireless terminal through the input unit 315 and the keypad is provided.

The sound processor 320 encodes a predetermined sound signal input from a microphone provided in the wireless terminal and provides the sound signal to the controller 300 or a predetermined sound extracted and / or generated by the controller 300. A signal is decoded and output through a speaker. To this end, the sound processor 320 includes a predetermined vocoder and a codec. Sound input means provided in the wireless terminal is provided through the sound processor 320 and a microphone, or sound output means provided in the wireless terminal is provided through the sound processor 320 and a speaker.

The wireless processing unit 330 may be associated with the control unit 300 (eg, a program routine for providing a mobile communication service) for location registration and / or slot mode and / or power control. Or providing a mobile communication service including a hand-off and / or call processing procedure, wherein the mobile base station corresponding to the end of the mobile communication network in the process of providing the mobile communication service And an RF processing function (eg, antenna control, modulation, synthesis, amplification, and / or filtering of the radio frequency signal) for performing transmission and reception of the radio frequency signal. In particular, the wireless processing unit 330 processes the information or signal transmitted from the wireless terminal to the mobile base station 105 in a CDMA stack or receives the CDMA received from the mobile base station 105 to provide the mobile communication service. It is characterized in that it provides a function for reading a predetermined information or signal from the stack.

The short range communication unit 335 may include infrared ray communication, radio frequency (RF) communication, Bluetooth (BlueTooth), wireless LAN (Wireless LAN), Wi-Fi (Ui-Fi), and UWB (Ultra Wide Band system). It is characterized in that to provide at least one or more short-range wireless communication function provided in the wireless terminal 100 in the future, based on a predetermined terminal provided with the short-range wireless communication means and the protocol defined in the short-range wireless communication means And transmitting and receiving a predetermined wireless message.

The memory unit 305 is input / output information and / or when an operation by a predetermined program routine (or code) and / or program data (eg, program routine (or code)) for controlling the overall operation of the wireless terminal is performed. General term for a memory device that stores data, and includes read only memory (ROM), read / write flash memory (FM), and electrically erasable and programmable read only memory (EEPROM). It is made, including. In general, the ROM stores system information that should not be deleted, and the flash memory stores operating system routines, call processing program routines, and / or application program routines provided through the wireless terminal and information or data therefor. The EEPROM stores terminal registration related parameters, a telephone number (eg, an address book), or at least one or more information and / or data that is extracted and / or generated while executing an application provided in the wireless terminal.

The IC chip interface 340 is provided between the payment agent and the IC chip 345 provided in the wireless terminal 100 through the IC chip 345 standard including ISO / IEC 7816 and / or ISO / IEC 14443. And / or provide 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 through an application protocol data unit (APDU).

Referring to the IC chip 345 standard and the EMV standard including ISO / IEC 7816 and / or ISO / IEC 14443 and the like, the IC chip 345 mounted or detached from the wireless terminal 100 includes the IC chip ( 345 is a card terminal device through contact points such as power supply (VCC), reset signal (RST), clock signal (CLK), ground (GND), programming power supply (VPP), and / or input / output (I / O), and the like. A processor unit 355 including an input / output interface 350 communicating with the at least one processor, at least one computing element including a central process unit (CPU), a micro process unit (MPU), a coprocessor, or the like; The memory unit 360 includes at least one memory device including a read only memory (ROM), a random access memory (RAM), an electrically erasable and programmable read only memory (EEPROM), a flash memory (FM), and the like. In particular, at least one of the memory devices 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 includes a predetermined authentication key (for example, to guarantee confidentiality, authentication, integrity, and nonrepudiation of the wireless terminal 100 for the debit / billing processing). , IC chip unique number, the key associated with the certificate) is preferably provided.

The IC chip 345 storage information included in the memory unit 360 on the IC chip 345 is a data storage unit for storing a data set corresponding to data or information read and used by a card terminal program, and / Or a data processing unit for storing and driving a program module (eg, Java Applet) that can be used by the card terminal program, and the like, and in particular, the data processing unit includes a card configuration (eg, a COS or an open smart). It is part of the virtual machine of the card, or it works with the card configuration.

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

In more detail, Figure 4 is mounted or detached from the customer wireless terminal 100 for the debit-type billing / settlement processing through the customer wireless terminal 100, the predetermined financial account is already established in a predetermined financial institution It is a diagram showing a preferred method of storing a predetermined authentication key (or authentication data) included in the IC chip in a predetermined storage medium by linking with a customer financial account information.

The customer using the wireless terminal 100 may use a billing / settlement service provider through a predetermined application and / or a wired / wireless terminal 100 in order to pay / pay for the communication usage fee and / or content usage fee of the customer wireless terminal 100. Provide predetermined customer wireless terminal information and / or predetermined customer owned financial account information for the debit settlement process to the server (400), and the billing / settlement service provider server provides the customer wireless terminal information and / or In determining the validity of the customer information (405), the validity determination is that the customer using the wireless terminal 100 may charge a predetermined communication fee and / or content fee from the billing entity corresponding to the billing / settlement service provider Including determining if there is.

If the validity of the customer wireless terminal information and / or customer information is authenticated, the billing / settlement service provider server is the financial account is opened to the customer wireless terminal information and / or customer information and the customer-owned financial account information Transfer to a financial institution server, and requests to provide a debit settlement processing service according to the present invention through the financial account (410).

According to a preferred embodiment of the present invention, it is preferable that a predetermined business alliance is established between the billing / settlement service provider and the financial company for the debit settlement process according to the present invention, and the process 410 is performed on the business alliance. By the customer-owned financial account is set to settle the communication fee and / or content fee of the customer using the wireless terminal 100 in a debit form.

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

If the validity of the customer-owned financial account is authenticated, the financial company server transmits the debit settlement processing approval information for the customer wireless terminal 100 to the billing / settlement service provider server (420), and the billing / The settlement service provider server is provided with a predetermined authentication key (or authentication data) provided with an IC chip mounted or detached from the mobile communication company (or IC chip issuer) to the customer wireless terminal 100 based on the debit settlement approval information. In step 425, the authentication key (or authentication data) and the customer-owned financial account information are processed in association with each other and stored in a predetermined storage medium (430).

When the authentication key (or authentication data) and the customer-owned financial account information are linked and stored in the storage medium as described above, the financial institution server changes the balance of the financial account (for example, a predetermined amount is deposited into a customer-owned financial account). Or when a predetermined amount is withdrawn from a financial account) or periodically, by the predetermined predetermined policy, the balance information of the financial account is transmitted to the billing / settlement service provider server (435), and the billing / settlement is performed. The service provider server updates and stores the balance information of the received financial account in the corresponding customer-owned financial account information (440), and the process (435 to 440) is a debit billing / settlement service of the customer wireless terminal 100. It is preferable to repeat until is finished.

5 is a view showing a preferred method of calculating and billing the communication fee of the customer wireless terminal 100 according to an embodiment of the present invention.

In more detail, FIG. 5 illustrates a circuit-switching communication fee (for example, through a predetermined charging means provided by the server 140 in the mobile communication network in the debit type billing / settlement function configuration shown in FIG. 1). The present invention relates to a preferred process of calculating and billing a communication fee corresponding to a voice call time through a mobile communication network.

Referring to FIG. 5, the server 140 interoperates with a wireless switching center 115 on the mobile communication network and the confidentiality of the wireless terminal 100 together with an outgoing call for a voice call connection from a predetermined customer wireless terminal 100. Check whether a predetermined authentication key (or authentication data) arrives at the wireless switching center 115 to ensure authentication, integrity, and nonrepudiation (500), and if the authentication key (or authentication data) is confirmed, In operation 505, the server 140 extracts the authentication key (or authentication data) in association with the wireless switching center 115 (510), and associates with the extracted authentication key (or authentication data) from the storage medium. By accessing the predetermined customer financial account information that has been processed and stored (515), and checking the balance information of the financial account corresponding to the authentication key (or authentication data), the longest time that a voice call is possible through the balance of the financial account The liver is calculated (520).

If the voice call available time does not exist (e.g., no financial account balance exists) (525), the server 140 sends a message (e.g., voice message or text message) containing predetermined charging error information. It generates and transmits to the customer wireless terminal 100 (530) and instructs the wireless switching center 115 to disconnect the requested voice call channel from the customer wireless terminal 100 (535), according to the conventional method You can also automatically switch to the postpay billing system.

On the other hand, if the voice call available time exists (525), the server 140 instructs the wireless switching station 115 to connect the voice call channel requested by the customer wireless terminal 100 (540), the wireless switching station In operation 545, the communication fee for the voice call is calculated (545).

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

Therefore, the server 140 determines whether the calculated communication fee exceeds the customer-owned financial account balance (550). If the determination result exceeds the customer-owned financial account balance (555), the server ( 140 generates and transmits a message (eg, a voice message or a text message) including predetermined charging error information to the customer wireless terminal 100 (530), and transmits the message to the wireless switching center 115 to the customer wireless terminal ( Command to disconnect the requested voice call channel (100) (100), while not exceeding the customer-owned financial account balance (555), the server 140 interworks with a merchant and wireless switching center (115). If it is determined whether the call is terminated (560), and if the voice call is terminated as a result of the determination (565), the server 140 charges the calculated communication fee to the server (2) (170) (570).

6 is a view showing a preferred method for calculating and claiming the content usage fee of the customer wireless terminal 100 according to an embodiment of the present invention.

In more detail, in FIG. 6, in the debit billing / settlement function configuration shown in FIG. 1, the server 140 is configured to use a content-based fee (eg, one or more) through the content providing server 130. The present invention relates to a preferred process of calculating and claiming a usage fee for each content for using content and / or a usage fee for each content use period (eg, a usage fee for a certain period for using at least one or more contents during a predetermined period).

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

If it is determined that a predetermined content fee is charged to the customer wireless terminal 100 (605), the server 140 works in conjunction with the content providing server 130 and / or the customer wireless terminal information. The customer information is extracted and the content usage fee corresponding to the customer wireless terminal 100 is calculated (610).

For example, when the content fee is content-based fee and the customer of the wireless terminal 100 uses a plurality of content, the server 140 sums up the fee for each content and debits a predetermined content to be charged or settled. Calculate the fee for use.

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When the customer wireless terminal information and / or customer information is extracted as described above, and a predetermined content fee is calculated, the server 140 checks 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 authentication key (or authentication data) receiving process is the wireless terminal 100 to transmit the authentication key (or authentication data) from the content providing server 130 to the server 140. Transmitting a wireless message including a predetermined callback URL, or transmitting the authentication key (or authentication data) through the wireless terminal information from the server 140. 100 to transmit a wireless message including a predetermined callback UEL, or to transmit the authentication key (or authentication data) by accessing the server 140 through the wireless Internet from the wireless terminal 100 Or transmitting the authentication key (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 authentication key (or authentication data) from the wireless switching center 115 in the server 140. It is preferable to include at least one extraction).

If it is confirmed that the authentication key (or authentication data) is received from the customer wireless terminal 100 (620), the server 140 is stored in association with the authentication key (or authentication data) from the storage medium Accessing the predetermined customer financial account information (625), extracting the balance information of the financial account corresponding to the authentication key (or authentication data) (630), and compares the financial account balance and the content usage fee to the debit type It is determined whether the billing / settlement process is possible (635).

If it is determined that the direct debit / payment processing is impossible (640), the server 140 generates a message (eg, a voice message or a text message) including predetermined charging error information and generates the customer wireless terminal 100. And transmits the content usage fee error to the content providing server 130 (650).

On the other hand, if the debit billing / settlement process is possible (640), the server 140 instructs the content providing server 130 to provide the predetermined content requested by the customer using the wireless terminal 100 (655). In operation 660, the server 140 charges the calculated content usage fee to the server 2 and 170.

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

In more detail, FIG. 7 illustrates the immediate payment / settlement function configuration shown in FIG. 1, wherein the server 2 and 170 immediately charge the communication fee and / or content fee charged by the server 140. It is about the preferred process of the settlement process.

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

If it is determined that the debit billing / settlement process is not possible (730), the server (2) 170 generates a message (eg, a voice message or a text message) including predetermined charging error information and generates the server ( 140 and the customer wireless terminal 100 (735).

On the other hand, if the debit billing / settlement process is possible (730), the server (2) (170) is linked with the financial system (199) in which the customer-owned financial account is opened to the communication fee and / or content fee A request is made to settle the customer's own financial account to the billing subject's financial account (740), and checks whether the settlement of the communication fee and / or content fee is completed in association with the financial system (199) (745). .

If the settlement result of the settlement fee and / or content usage fee is completed (750), the server (2) (170) generates the settlement processing history for the communication fee and / or content usage fee to store the By storing in the medium (755), the debit billing / settlement process for the communication fee and / or content fee is completed.

8 is a view showing a preferred method for calculating the communication fee and / or content fee of the customer wireless terminal 100 according to another embodiment of the present invention.

In more detail, FIG. 8 illustrates a financial account balance and the communication fee and / or content extracted from the storage medium in the settlement process of the communication fee and / or content fee of the customer wireless terminal 100 as shown in FIG. When the debit billing / settlement processing is possible by comparing the usage fee, the communication fee and / or content usage fee is accumulated for a certain period of time and then periodically added to the settlement process.

Referring to FIG. 8, when the server 2 and 170 are able to perform a debit billing / settlement process for the communication fee and / or content fee, the communication fee and / or content fee information that has not been settled from the storage medium is determined. Extract (800), add the communication fee and / or content fee received from the server 140 and the uncalculated communication fee and / or content fee (805), and add the sum of the communication fee and / or content fee. After processing the fee associated with the authentication key (or authentication data) stored in the storage medium (810), the financial system 199 checks whether or not the settlement process for the communication fee and / or content fee ( 815) If it is determined that the communication fee and / or content fee are not settled as a result of the verification (820), the server (2) 170 repeats the process as shown in FIG. 7. Happy

On the contrary, if it is determined that the communication fee and / or content fee is settled (for example, when the period for settlement of the communication fee and / or content fee is reached) (820), the server (2) 170 is In connection with the financial system 199 in which a customer-owned financial account is opened, the communication fee and / or content fee is requested to be settled from the customer-owned financial account to the financial account of the charging subject (825), and the financial system ( In operation 830, it is checked whether the settlement process for the communication fee and / or content fee is completed (830).

If the settlement result of the settlement fee and / or content usage fee is completed (835), the server (2) (170) generates the settlement processing history for the communication fee and / or content usage fee to store the By storing on the medium (840), the debit billing / settlement process for the communication fee and / or content fee is completed.

9 is a view showing a preferred method for calculating the communication fee and / or content fee of the customer wireless terminal 100 according to another embodiment of the present invention.

In more detail, FIG. 9 illustrates a process of calculating the communication fee and / or content fee of the customer wireless terminal 100 as shown in FIGS. 7 and / or 8 before the settlement of the communication fee and / or content fee. And a predetermined lock on the financial account so that the amount corresponding to the charged communication fee and / or content fee is not withdrawn from the financial account.

Referring to FIG. 9, the predetermined communication fee and / or content fee, which is the sum of the communication fee and / or content fee and the uncalculated communication fee and / or content fee, received from the server 140, may be used for the authentication key (or authentication). Data and stored in the storage medium, the server (2) (170) in conjunction with the financial system 199, the amount corresponding to the sum of the communication fee and / or content fee from the customer financial account The lock is requested so as not to be withdrawn (900), and through the financial system 199, it is checked whether the lock is set so that the amount corresponding to the communication fee and / or content fee is not withdrawn from the customer financial account (905). .

If the lock is confirmed so that the amount corresponding to the communication fee and / or content fee is not withdrawn from the customer's financial account (910), the server (2) 170 is connected to the financial system (199). In operation 915, if it is determined that the communication fee and / or content fee is not settled (920), the server 2 ( 170 repeats the process as shown in FIG.

On the other hand, if it is determined that the communication fee and / or content fee is settled (for example, when the period for settlement of the communication fee and / or content fee is reached) (920), the server (2) (170) In connection with the financial system 199 in which a customer-owned financial account is opened, the communication fee and / or the content usage fee are requested to be settled from the customer-owned financial account to the financial account of the charging subject (925), and the financial system ( In operation 930, it is checked whether the settlement process for the communication fee and / or content fee is completed (930).

If the settlement result of the settlement fee for the communication fee and / or content fee is completed (935), the server (2) (170) is the communication fee for the customer financial account through the financial system (199) and And / or unlock the withdrawal for the content usage fee (940).

100: wireless terminal 105: base station
110: control station 115: exchange station
120: network interlock device 125: HLR / VLR
130: content providing server 135: billing interface
140: server 145: fee calculation unit
150: financial account confirmation unit 155: authentication key receiving unit
160: information transmission unit 165: storage medium
170: server (2) 175: information receiving unit
180: financial account management unit 185: financial account confirmation unit
190: settlement processing unit 195: lock setting unit
197: information transmission unit 198: settlement interface
199: financial system

Claims (10)

Claims [1] A method of communicating with a wireless terminal of a customer via at least one packet-based communication network and executed by a server communicating with a financial company server that has issued a payment method to the customer.
A first step of receiving, by the server, customer information of the customer, wireless terminal information for uniquely identifying the wireless terminal of the customer, and payment means information for the payment means of the customer from the wireless terminal of the customer;
The server checks the result of requesting or authenticating the validity of the customer information and the wireless terminal information through a communication company server corresponding to the charging subject of the wireless terminal and the customer through the financial company server that issued the payment means. A second step of performing an authentication process for verifying a result of authenticating or authenticating the information and the payment means information;
When the validity of the customer information and the wireless terminal information is authenticated through the communication company server and the validity of the customer information and the payment means information is authenticated through the financial company server, the server is configured to uniquely identify the authenticated payment means information. A third step of identifying a separate unique authentication key; And
And the fourth step of connecting the identified authentication key, the customer information, and the wireless terminal information to a storage medium.
The authentication key is an information registration method for easy wireless payments, characterized in that also stored in connection with the payment means information of the customer.
The method of claim 1, wherein the payment means information of the customer,
Connected to the authentication key and stored in the storage medium; or
The information registration method for a wireless easy payment, characterized in that the registration is stored in the financial company server is connected to the authentication key.
The method of claim 1, wherein the second step,
Registering information for easy wireless payment, characterized in that it comprises an authentication process for verifying the authentication request or authentication result by providing the customer information and the wireless terminal information to the carrier server corresponding to the charging subject of the wireless terminal, the chargeable or not. Way.
The method of claim 1, wherein the second step,
And an authentication process for verifying an authentication request or an authentication result by providing the customer information and the payment means information to the financial company server that issued the payment means.
The method of claim 1, wherein the authentication key,
In order to secure the authentication of payment using the authenticated customer wireless terminal, the customer information and the wireless terminal information are stored in the storage medium connected to the storage medium, and stored in the designated storage area of the customer wireless terminal, and the authenticated customer payment means Method of registering information for easy wireless payment, characterized in that the connection is stored and stored in the storage medium or the financial company server to identify the unique payment means information of the customer.
The method of claim 1, wherein the authentication key,
In the payment process is extracted from the designated storage area of the customer's wireless terminal is received through the communication network, the information registration method for easy wireless payment, characterized in that it is used to extract the payment means information of the customer stored in the storage medium or financial company server .
The method of claim 1, wherein the authentication key,
It is used to extract the payment means information of the customer only when received from the customer wireless terminal through the process of confirming that it is received via the designated path from the customer wireless terminal in each subsequent payment process stored in the storage medium. Information registration method for wireless easy payment.
The method of claim 1,
When the payment using the customer wireless terminal after the authentication key is stored,
The server receiving an authentication key extracted from a designated storage area of the customer wireless terminal; And
The server may further include extracting payment method information of a customer stored in a storage medium through the authentication key or providing the payment method information of the customer stored in the financial company server to the financial company server. Information registration method for wireless easy payment.
The method of claim 1,
Wherein the server further comprises the step of confirming and storing the authentication data for authenticating the payment using the customer wireless terminal information registration method for a simple wireless payment.
The method of claim 9,
When paying using the customer wireless terminal,
Receiving, by the server, authentication data for authenticating a payment using the customer wireless terminal through a communication network; And
The server further comprises the step of authenticating the validity of the payment using the customer wireless terminal using the stored authentication data; information registration method for a simple wireless payments further comprises.

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