KR20200133196A - Method for Registering Information for Mobile Easy Payment - Google Patents

Abstract

According to the present invention, a method for registering information for wireless simple payment is executed by a server which communicates with a wireless terminal of a customer via at least one packet-based communication network and communicates with a financial company server which has issued a payment means to the customer. The server 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 from the wireless terminal of the customer. The server checks authentication results of an authentication process performed by using the customer information and the wireless terminal information and authentication results of an authentication process performed by using the customer information and the payment means information. If both of the authentication using the customer information and the wireless terminal information and the authentication using the customer information and the payment means information are authenticated, the server processes a separate unique authentication key for uniquely identifying the authenticated payment means information to be stored in a designated storage area of the authenticated wireless terminal.

Description

Information registration method for wireless simple payment {Method for Registering Information for Mobile Easy Payment}

The present invention is a method executed through a server that communicates with a wireless terminal of a customer via at least one packet-based communication network and communicates with a financial institution server that issued a payment method to the customer, the server from the wireless terminal of the customer. Receives the customer information of the customer, wireless terminal information that uniquely identifies the customer's wireless terminal, and payment method information for the customer's payment method, and the server is an authentication procedure performed using the customer information and the wireless terminal information Check the authentication result of the authentication process performed using the customer information and payment method information, and authentication using the customer information and wireless terminal information and authentication using the customer information and payment method information are all authenticated. In this case, the server relates to an information registration method for simple wireless payment processing so that a separate unique authentication key for uniquely identifying the authenticated payment method information is stored in a designated storage area of the authenticated wireless terminal.

The conventional wireless charge processing method calculates and accumulates the communication usage fee and/or content usage fee used by the customer's wireless terminal for a predetermined period, and the calculated communication usage fee and/or content usage fee after the predetermined period elapses. When imposed on the customer, the postpaid wireless fee processing method that the customer settles through Giro or automatic debit, and the customer prepays a predetermined amount as a communication fee and/or content fee used by the customer's wireless terminal, A method for processing a prepaid wireless charge in which the voice call and/or content use service is provided within the prepaid amount range has been provided.

However, in the case of the postpaid wireless charge processing method, if the customer does not settle the calculated communication usage fee and/or content usage fee, there is a problem of being overdue or not being received. In this case, when all the prepaid amounts are used during voice calls and/or content use, the prepayment process must be performed again.

An object of the present invention is a method executed through a server that communicates with a wireless terminal of a customer via at least one packet-based communication network and communicates with a financial institution server that issued a payment method to the customer, the server The first step of receiving the customer's customer information from the terminal, wireless terminal information uniquely identifying the customer's wireless terminal, and payment method information for the customer's payment method, and the server uses the customer information and the wireless terminal information The second step of confirming the authentication result of the authentication procedure performed by the method and the authentication result of the authentication procedure performed using the customer information and payment method information, and authentication using the customer information and wireless terminal information, and the customer information and payment method If all authentication using information is authenticated, the server includes a third step of processing to store a separate unique authentication key for uniquely identifying the authenticated payment method information in a designated storage area of the authenticated wireless terminal. It is to provide an information registration method for simple wireless payment.

The information registration method for simple wireless payment according to the present invention is a method executed through a server that communicates with a wireless terminal of a customer via at least one packet-based communication network and communicates with a financial institution server that issued a payment method to the customer. In the first step of the server receiving customer information of the customer, wireless terminal information for uniquely identifying the customer's wireless terminal, and payment method information for the customer's payment method, and the server comprises the The second step of confirming the authentication result of the authentication procedure performed using customer information and wireless terminal information, and the authentication result of the authentication procedure performed using the customer information and payment method information, and using the customer information and wireless terminal information. When both authentication and authentication using the customer information and payment method information are authenticated, the server stores a separate unique authentication key for uniquely identifying the authenticated payment method information in a designated storage area of the authenticated wireless terminal. It characterized in that it comprises a third step of processing to be possible.

In the information registration method for simple wireless payment according to the present invention, in the second step, the server provides the customer information and wireless terminal information to a communication company server corresponding to the billing entity of the wireless terminal to request or authenticate It characterized in that it comprises the step of confirming one result.

In the information registration method for simple wireless payment according to the present invention, the second step comprises: providing the customer information and payment method information to the financial institution server that issued the payment method to request authentication or confirm the result of authentication. It characterized in that it comprises a.

In the information registration method for simple wireless payment according to the present invention, the third step further comprises the step of linking the authentication key with the customer information and wireless terminal information and storing them in a storage medium. It is characterized.

In the information registration method for simple wireless payment according to the present invention, the payment method information of the customer is registered and stored in the storage medium by being connected to the authentication key, or registered and stored in the financial institution server by being connected to the authentication key. The authentication key is extracted from a designated storage area of the customer's wireless terminal for payment, received through a communication network, and used to extract the customer's payment method information stored in the storage medium or financial institution server.

In the information registration method for simple wireless payment according to the present invention, after the authentication key is stored, upon payment using the customer wireless terminal, the server receives the authentication key extracted from a designated storage area of the customer wireless terminal. Further comprising: extracting, by the server, the payment method information of the customer stored in the storage medium through the authentication key or providing it to the financial institution server so that the payment method information of the customer stored in the financial institution server is extracted; It features.

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

In the information registration method for simple wireless payment according to the present invention, in the case of payment using the customer wireless terminal, the server receiving authentication data for authenticating payment using the customer wireless terminal through a communication network, and the server And authenticating the validity of payment using the customer wireless terminal using the stored authentication data.

The information registration method for simple wireless payment according to the present invention is a method executed through a server that communicates with a wireless terminal of a customer via at least one packet-based communication network and communicates with a financial institution server that issued a payment method to the customer. In the first step of the server receiving customer information of the customer, wireless terminal information for uniquely identifying the customer's wireless terminal, and payment method information for the customer's payment method, and the server comprises the The customer information and payment method through an authentication process of requesting or verifying the validity of the customer information and wireless terminal information through a communication company server corresponding to the billing entity of the wireless terminal, and the financial company server that issued the payment method The second step of performing an authentication process of requesting authentication of the validity of information or confirming the authentication result, and the validity of the customer information and wireless terminal information are authenticated through the communication company server, and the customer information and payment means through the financial company server When the validity of the information is authenticated, the server performs a third step of verifying a separate unique authentication key for uniquely identifying the authenticated payment method information, and the server includes the verified authentication key, the customer information, and the wireless terminal. A fourth step of connecting information and storing it in a storage medium, wherein the customer's payment method information is connected to the authentication key and registered and stored in the storage medium, or connected to the authentication key and registered in the financial institution server. The authentication key is stored in a designated storage area of the customer wireless terminal, extracted from the designated storage area of the customer wireless terminal during the payment process, and received through a communication network, and payment authentication based on the customer information or wireless terminal information It is characterized in that it is used to extract the payment method information of the customer stored in the storage medium or financial institution server.

In the information registration method for simple wireless payment according to the present invention, the second step is to request or authenticate whether billing is possible by providing the customer information and wireless terminal information to a communication company server corresponding to the billing entity of the wireless terminal. It characterized in that it comprises an authentication process to check the result.

In the information registration method for simple wireless payment according to the present invention, the second step is to provide the customer information and payment method information to the financial institution server that issued the payment method to request authentication or to verify the result of authentication. It characterized in that it is made including the process.

In the information registration method for simple wireless payment according to the present invention, the authentication key is stored in the storage medium by connecting with the customer information and wireless terminal information in order to secure authentication of payment using the authenticated customer wireless terminal. While being stored in a designated storage area of the customer wireless terminal, it is characterized in that it is stored in connection with the customer's payment method information registered and stored in a storage medium or a financial institution server to uniquely identify the authenticated customer payment method.

In the method for registering information for simple wireless payment according to the present invention, the authentication key is stored in the storage medium through a process of checking whether the authentication key is received via a designated route from the customer wireless terminal during each payment process. It is characterized in that it is used to extract the payment method information of the customer only when it is received from a wireless terminal.

In the information registration method for simple wireless payment according to the present invention, when payment using the customer wireless terminal after the authentication key is stored, the server receives an authentication key extracted from a designated storage area of the customer wireless terminal. And the server extracting the customer's payment method information stored in the storage medium through the authentication key or providing it to the financial institution server so that the customer's payment method information stored in the financial institution server is extracted. It is characterized.

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

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

The information registration method for simple wireless payment according to the present invention is a method executed through a server that communicates with a wireless terminal of a customer via at least one packet-based communication network and communicates with a financial institution server that issued a payment method to the customer. In the first step of the server receiving customer information of the customer, wireless terminal information for uniquely identifying the customer's wireless terminal, and payment method information for the customer's payment method, and the server comprises the The customer information and payment method through an authentication process of requesting or verifying the validity of the customer information and wireless terminal information through a communication company server corresponding to the billing entity of the wireless terminal, and the financial company server that issued the payment method The second step of performing an authentication process of requesting authentication of the validity of information or confirming the authentication result, and the validity of the customer information and wireless terminal information are authenticated through the communication company server, and the customer information and payment means through the financial company server When the validity of the information is authenticated, the server uniquely identifies the authenticated payment method information while securing authentication of payment using a customer wireless terminal corresponding to the authenticated wireless terminal information in addition to the authenticated customer information or wireless terminal information. A third step of confirming a separate unique authentication key to perform the authentication, and a fourth step of storing the verified authentication key in a storage medium by linking the verified authentication key with the customer information and wireless terminal information, wherein the authentication key is , In order to secure authentication of payment using the authenticated customer wireless terminal, it is stored in the storage medium by connecting with the customer information and the wireless terminal information, and stored in a designated storage area of the customer wireless terminal, and the authenticated customer payment means In order to uniquely identify, it is stored in connection with the customer's payment method information registered and stored in the storage medium or the financial institution server, and is extracted from a designated storage area of the customer wireless terminal during each payment process and received through a communication network, and the storage It is characterized in that it is used to extract the payment method information of the customer stored in a medium or a financial institution server.

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

In the information registration method for simple wireless payment according to the present invention, the second step is to request or authenticate whether billing is possible by providing the customer information and wireless terminal information to a communication company server corresponding to the billing entity of the wireless terminal. It characterized in that it comprises an authentication process to check the result.

In the information registration method for simple wireless payment according to the present invention, the second step is to provide the customer information and payment method information to the financial institution server that issued the payment method to request authentication or to verify the result of authentication. It characterized in that it is made including the process.

In the method for registering information for simple wireless payment according to the present invention, the authentication key is stored in the storage medium through a process of checking whether the authentication key is received via a designated route from the customer wireless terminal during each payment process. It is characterized in that it is used to extract the payment method information of the customer only when it is received from a wireless terminal.

In the information registration method for simple wireless payment according to the present invention, after the authentication key is stored, upon payment using the customer wireless terminal, the server receives the authentication key extracted from a designated storage area of the customer wireless terminal. Further comprising: extracting, by the server, the payment method information of the customer stored in the storage medium through the authentication key or providing it to the financial institution server so that the payment method information of the customer stored in the financial institution server is extracted; It features.

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

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

The method for registering information for simple wireless payment according to the present invention is a method executed through a server communicating with a wireless terminal used by a customer via at least one packet-based communication network and communicating with a financial institution server that issued a payment method to the customer. In the first step, wherein the server receives customer information of the customer, wireless terminal information uniquely identifying the customer's wireless terminal, and payment method information for the customer's payment means from a wireless terminal connected to a packet-based communication network. And the server interlocks with the communication service provider server corresponding to the wireless terminal information to verify whether the wireless terminal corresponding to the wireless terminal information is a customer wireless terminal owned by the customer corresponding to the customer information, or to verify the authentication result An authentication process in which a payment method corresponding to the payment method information is linked to a financial institution server corresponding to the payment method information and a request for authentication whether the payment method corresponding to the payment method information is a valid customer payment method issued to the customer corresponding to the customer information, or to confirm the result of authentication When the second step of performing and the wireless terminal corresponding to the wireless terminal information is authenticated as the customer wireless terminal and the payment method corresponding to the payment method information is authenticated as the customer payment method, the server is the authenticated customer A third step of verifying a separate unique authentication key for uniquely identifying the authenticated customer payment method while securing authentication of payment using a wireless terminal, and the server converts the verified authentication key into the customer information and wireless terminal information. A fourth step of connecting to and storing in a storage medium, wherein the authentication key is connected to the customer information and wireless terminal information and stored in the storage medium in order to secure authentication of payment using the authenticated customer wireless terminal. And stored in a designated storage area of the customer wireless terminal, and stored in connection with the customer's payment method information registered and stored in the storage medium or the financial institution server in order to uniquely identify the authenticated customer payment method. do.

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

In the information registration method for simple wireless payment according to the present invention, the authentication key is extracted from a designated storage area of the customer wireless terminal in each payment process after being stored in the storage medium and received through a packet-based communication network, It is characterized in that it is used to extract the payment method information of the customer stored in the storage medium or financial institution server.

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

In the information registration method for simple wireless payment according to the present invention, after the authentication key is stored, upon payment using the customer wireless terminal, the server receives the authentication key extracted from the designated storage area of the customer wireless terminal. And the server extracting the customer's payment method information stored in the storage medium through the authentication key or providing it to the financial institution server so that the customer's payment method information stored in the financial institution server is extracted. It is characterized.

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

In the method for registering information for simple wireless payment according to the present invention, when making payment using the customer wireless terminal, the server receiving authentication data for authenticating payment using the customer wireless terminal through a communication network, and the server Is characterized in that it further comprises the step of authenticating the 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 executed through a server communicating with a wireless terminal used by a customer via at least one packet-based communication network and communicating with a financial institution server that issued a payment method to the customer. The server includes customer information of the customer transmitted according to a designated registration procedure before payment from a wireless terminal connected to a packet-based communication network, wireless terminal information uniquely identifying the customer's wireless terminal, and payment for the customer's payment method. The first step of receiving means information and the server request authentication through a communication company server corresponding to the wireless terminal information 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 Through an authentication process for checking the result of authentication and a financial institution server corresponding to the payment method information, a request for authentication or authentication is made whether the payment method corresponding to the payment method information is a validly issued customer payment method to the customer corresponding to the customer information. A second step of performing an authentication process for confirming the result, and a wireless terminal corresponding to the wireless terminal information through the communication company server is authenticated as the customer wireless terminal, and a payment means corresponding to the payment method information through the financial company server When authenticated with the customer payment method, the server checks a separate authentication key for uniquely identifying the authenticated customer's payment method information in addition to the customer information and wireless terminal information, and the server Including a fourth step of linking the verified authentication key with the customer information and wireless terminal information to uniquely identify the customer who has been authenticated through the authentication process using the authentication key in the payment process and storing it in a storage medium. The authentication key is also stored in a designated memory area of the customer's wireless terminal corresponding to the wireless terminal information, and is transmitted and received through a packet-based communication network in each subsequent payment process, and the above authentication process is performed in each subsequent payment process. In order to extract the payment method information of the customer, which is authenticated in advance and stored in the storage medium or financial institution server, It is characterized in that it is stored in connection with payment method information stored in a storage medium or a financial institution server.

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

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

In each subsequent payment process, it is transmitted from the customer's wireless terminal through a packet-based communication network and is used to identify and extract the registered and stored payment method information of the customer only when received from the customer's wireless terminal by checking whether it is received via a designated route. It is characterized by being.

In the method for registering information for wireless payment according to the present invention, when making payment using the customer wireless terminal, the server receiving an authentication key stored in the customer wireless terminal through a communication network, and the server receiving the authentication key. It characterized by further comprising the step of processing to extract the payment method information registered and stored in the financial institution server by providing to the financial institution server.

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

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

The method of registering a payment method for wireless payment according to the present invention includes the customer via a packet-based communication network among a mobile communication-based packet-based communication network and a packet-based communication network based on short-range communication in which multiple access is possible at the customer wireless terminal used by the customer. A method executed through a server that communicates with a wireless terminal and communicates with a financial institution server that issued a payment method to a customer, wherein the server is a mobile communication-based packet-based communication network and a short-range communication-based packet-based communication network. Receiving customer information entered by the customer from the customer wireless terminal via any one packet-based communication network, wireless terminal information that uniquely identifies the customer wireless terminal, and payment method information corresponding to the customer's payment method according to a specified procedure The first step and the server verify the validity of the customer wireless terminal through a communication service provider server corresponding to the wireless terminal information, or verify the result of the authentication, and provide the customer information and payment method information to the financial institution server. In the second step of requesting verification of whether the payment method corresponding to the payment method information is issued validly to the customer corresponding to the customer information or verifying the result of authenticating whether the payment method is issued, and the communication service provider server When the validity of the customer wireless terminal is verified and the customer corresponding to the customer information is authenticated as the issuer of the payment method through the financial institution server, the server provides information on the authenticated customer's payment method in addition to the customer information and wireless terminal information. A third step of checking a separate authentication key for unique identification, and storing the verified authentication key with customer information and wireless terminal information in a storage medium, wherein the authentication key is in the wireless terminal information It is stored in the designated memory area of the corresponding designated customer wireless terminal, and is transmitted through the designated customer wireless terminal at the time of payment to check whether it is received via the designated route, and registered and stored payment of the customer only when received from the designated customer wireless terminal. It is used to identify and extract means information. To do.

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

In the payment method registration method for wireless payment according to the present invention, upon payment using the customer wireless terminal, the server receiving an authentication key stored in the customer wireless terminal through a communication network, and the server receiving the authentication key. And processing the payment method information registered and stored in the financial institution server to be extracted by providing it to the financial institution server.

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

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

In the method of registering a payment method for non-media payment according to the present invention, the wireless terminal can access the wireless terminal through any one of a packet-based communication network based on mobile communication and a packet based communication network based on short-range communication. A method executed through a server that communicates with a terminal and communicates with a financial institution server that issued a payment method to the customer, wherein the server is a wireless communication network used by a customer among the mobile communication-based packet-based communication network and the short-range communication-based packet-based communication network. The first step of receiving customer information input from the customer and payment method information for a payment method issued to the customer from the wireless terminal through a packet-based communication network accessed from the terminal according to a specified procedure, and the server As a result of providing the customer information and payment method information to a financial institution server, the financial institution requests a customer corresponding to the customer information to authenticate whether or not a payment method corresponding to the payment method information is issued, or to verify whether the payment method is issued In the second step of checking and when the issuer of the payment method is authenticated as a customer corresponding to the customer information, the server checks a separate authentication key uniquely identifying the payment method information of the authenticated customer, and the authenticated And a third step of connecting the customer information and the authentication key and storing it in a storage medium, wherein the authentication key is transmitted and received for payment processing using a packet-based communication network of a customer wireless terminal registering the customer information and payment method information. It features.

In the payment method registration method for non-media payment according to the present invention, the first step further comprises receiving wireless terminal information identifying the wireless terminal, and the second step includes the customer information and And verifying 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 non-media payment according to the present invention, the server further comprises the step of mapping the received customer information and wireless terminal information and storing them in a storage medium.

In the payment method registration method for non-media 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 upon payment, and the registered payment method information It characterized in that it is used to identify.

In the payment method registration method for non-media payment according to the present invention, the authenticated customer's payment method information is stored in the storage medium or in the financial institution server.

In the payment method registration method for non-media payment according to the present invention, when a payment request is made using the authenticated customer's wireless terminal, the server receiving an authentication key stored in the authenticated customer's wireless terminal through a communication network. And the server providing the authentication key to the financial institution server and processing the stored payment method information to be extracted.

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

In the method of registering a payment method for non-media payment according to the present invention, when a payment request is made using the authenticated customer's wireless terminal, the server authenticates the payment using the authenticated customer's wireless terminal through a communication network. Receiving data and the server using the stored authentication data to authenticate the validity of payment using the wireless terminal of the authenticated customer; characterized in that it further comprises a.

In the method of registering a payment method for non-media payment according to the present invention, the wireless terminal can access the wireless terminal through any one of a packet-based communication network based on mobile communication and a packet based communication network based on short-range communication. In a method of registering a payment method of a customer through a wireless terminal of a customer to be used for payment before performing an initial payment by being executed through a server communicating with a terminal and communicating with a financial institution server that issued the payment method to the customer, the The server includes customer information and the wireless terminal identifying the customer from the wireless terminal via any one of the mobile communication-based packet-based communication networks and the short-range communication-based packet-based communication network, which is accessed from the wireless terminal used by the customer. The first step of receiving wireless terminal information for identifying the wireless terminal and payment method information for the payment method issued to the customer according to a specified procedure, and the server corresponding to the wireless terminal information using the customer information and wireless terminal information The result of verifying that the subscriber of the wireless terminal is the customer corresponding to the customer information is verified, and the customer information and payment method information are provided to the financial institution server to provide the payment method information from the financial institution to the customer corresponding to the customer information. In the second step of requesting authentication for issuance of a corresponding payment method, and when a subscriber of the wireless terminal is authenticated as the customer and the issuer of the payment method is authenticated as the customer, the server provides information on the payment method of the authenticated customer. And a third step of checking an authentication key that uniquely identifies and storing the payment method information in a storage medium by linking with the wireless terminal information corresponding to the registered wireless terminal or the customer information.

In the payment method registration method for non-media 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.

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

In the payment method registration method for non-media payment according to the present invention, the authenticated customer's payment method information is stored in the storage medium or in the financial institution server.

In the payment method registration method for non-media payment according to the present invention, when a payment request is made using the authenticated customer's wireless terminal, the server receiving an authentication key stored in the authenticated customer's wireless terminal through a communication network. And the server providing the authentication key to the financial institution server and processing the stored payment method information to be extracted.

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

In the method of registering a payment method for non-media payment according to the present invention, when a payment request is made using the authenticated customer's wireless terminal, the server authenticates the payment using the authenticated customer's wireless terminal through a communication network. Receiving data, and the server using the stored authentication data to verify the validity of payment using the authenticated customer's wireless terminal.

The method for registering a customer payment method for non-media payment according to the present invention is a method executed through a server linked to a financial institution server that issued a payment method to a customer, wherein the server is a wireless terminal of the customer to be used for payment through a communication network. The payment method of the customer directly inputted by the customer through the wireless terminal of the customer to be used for the payment, receiving the customer information directly entered by the customer through the wireless terminal of the customer to be used for the payment In the first step of receiving information and the server, when the customer information and the wireless terminal information are received, the subscriber of the wireless terminal to be used for the payment using the customer information and the wireless terminal information is a customer corresponding to the customer information. When the authentication result is checked and the customer information and payment method information are received, the customer information and payment method information are provided to the financial institution server, so that the name of the customer's payment method to be used for the payment corresponds to the customer information. A second step of requesting verification of whether a customer is a customer, and requesting to store the authenticated payment method information in the financial institution server when authenticating the name of the payment method as the customer, and the server includes the customer information by the subscriber of the wireless terminal to be used for the payment. Mapping the authenticated customer information and wireless terminal information to identify payment requested using the authenticated wireless terminal when the customer corresponding to and the name of the payment method to be used for the payment is a customer corresponding to the customer information The third step of storing in the storage medium by checking the authentication key for extracting the customer's payment method information stored in the financial institution server when the requested payment is identified using the authenticated wireless terminal and storing it in the storage medium It characterized in that it comprises a.

In the method for registering a customer payment method for non-media payment according to the present invention, when a payment is requested using the stored customer's payment method information using the authenticated customer's wireless terminal, the server authenticates the customer through a communication network. Receiving an authentication key for authenticating the requested payment using the wireless terminal of the customer, and the server providing the authentication key to the financial institution server and processing the stored payment method information to be extracted. It characterized in that it is made.

In the method for registering a customer payment method for non-media payment according to the present invention, the server uses the wireless terminal of the authenticated customer to authenticate the payment using the stored customer's payment method information. It characterized by further comprising the step of checking the authentication data to be transmitted from the terminal and storing it in the storage medium.

In the method for registering a customer payment method for non-media payment according to the present invention, when a payment is requested using the stored customer's payment method information using the authenticated customer's wireless terminal, the server Receiving authentication data for authenticating payment using the customer's payment method information, the server authenticating the validity of the received authentication data through the stored authentication data, and when the validity of the authentication data is authenticated, The server may further include a step of extracting the stored customer's payment method information through the financial institution server and processing the payment approval procedure to be performed.

In the method for registering a customer payment method for non-media payment according to the present invention, the wireless terminal is connected to a packet-based communication network through a mobile communication network, or proximity radio frequency (RF) communication, wireless LAN, and Wi-Fi ( It is characterized in that it is connected to a packet-based communication network through at least one short-range communication among Wi-Fi) and Bluetooth.

In the method for registering a customer payment method for non-media payment according to the present invention, in the method for registering a customer payment method for non-media payment executed by a server provided at a financial company that issued the payment method to the customer, the server A first step of receiving wireless terminal information that identifies a wireless terminal of a customer to be used for payment through, and receiving customer information directly input by the customer and payment method information of the customer to be used for payment through the identified wireless terminal of the customer; and If the result of verifying that the subscriber of the wireless terminal to be used for payment is the customer using the customer information and wireless terminal information is confirmed, the name of the customer's payment method to be used for the payment using the customer information and payment method information A second step of authenticating whether the customer is the customer, and when the subscriber of the wireless terminal to be used for payment is the customer and the name of the payment method to be used for payment is the customer, the authenticated customer information, wireless terminal information, and payment method information Mapping and storing in a storage medium, verifying an authentication key for extracting the authenticated and stored payment method information from the storage medium by authenticating the requested payment using the authenticated wireless terminal of the customer, and storing it in the storage medium It characterized in that it includes three steps.

In the method of registering a customer payment method for non-media payment according to the present invention, when a payment is requested using the customer's payment method information stored in the storage medium using the authenticated customer's wireless terminal, the server connects the communication network. Receiving an authentication key for authenticating the requested payment using the authenticated wireless terminal through the customer, and extracting payment method information stored in the storage medium by using the authentication key. To do.

In the method for registering a customer payment method for non-media payment according to the present invention, the server checks the authentication data to be transmitted from the wireless terminal of the authenticated customer in order to authenticate the payment using the stored customer's payment method information. It characterized in that it further comprises the step of storing in a storage medium.

In the method of registering a customer payment method for non-media payment according to the present invention, when a payment is requested using the customer's payment method information stored in the storage medium using the authenticated customer's wireless terminal, the server connects the communication network. Receiving authentication data for authenticating payment using the customer's payment method information stored in the storage medium, and the server authenticating the validity of the received authentication data through the stored authentication data, and the authentication data When the validity is authenticated, the server further comprises processing the payment approval procedure to be performed through the customer's payment method information stored in the storage medium.

In the method for registering a customer payment method for non-media payment according to the present invention, the wireless terminal is connected to a packet-based communication network through a mobile communication network, or proximity radio frequency (RF) communication, wireless LAN, and Wi-Fi ( It is characterized in that it is connected to a packet-based communication network through at least one short-range communication among Wi-Fi) and Bluetooth.

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 through the customer wireless terminal The content provider that provides the contents of the customer provides direct payment and settlement services through the customer's financial account, thereby preventing in advance from delayed or unsupplied communication usage fees and/or content usage fees used by the customer's wireless terminal. There is an advantage.

According to the present invention, in the case of billing and settlement in a postpaid form of an automatic transfer method in connection with a predetermined financial account for communication usage fees and/or content usage fees used by the customer wireless terminal, the customer and the mobile communication company (or There is an advantage of providing a debit-type billing and settlement service by converting the financial account into a financial account for debit settlement processing through a change in billing and settlement terms between wireless networks (wireless data communication, mobile Internet) service providers).

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

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

In addition, a preferred embodiment of the present invention to be implemented below is already provided in each system functional configuration in order to efficiently describe the technical components constituting the present invention, or system functions commonly provided in the technical field to which the present invention belongs. The configuration will be omitted as much as possible, and a functional configuration that should be additionally provided for the present invention will be mainly described. If a person of ordinary skill in the art to which the present invention pertains will be able to easily understand the functions of components previously used among functional configurations not shown below and omitted, the configuration omitted as described above. The relationship between the elements and the elements added for the present invention will also be clearly understood.

In addition, a preferred embodiment of the present invention to be practiced below describes that the storage medium is provided outside accessible from the server in order to efficiently describe the technical elements constituting the present invention, but in the technical field to which the present invention pertains If you have the knowledge of, you will be able to clearly understand that the storage medium may be provided inside the server.

In addition, a preferred embodiment of the present invention to be practiced below describes that all of the functional configurations provided in the server are provided in the server in order to efficiently describe the technical elements constituting the present invention, but in the technical field to which the present invention pertains For those of ordinary skill in the art, the functional configuration provided in the server is linked through a predetermined network and/or communication means according to the intention of a person skilled in the art to practice the present invention (e.g., information or data for realizing the server function) It will be clearly understood that it is safe to have at least two servers separated from each other.

As a result, the technical idea of the present invention is determined by the claims, and the following examples are a means for efficiently describing the technical idea of the present invention to those of ordinary skill in the art to which the present invention belongs. Only.

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

In more detail, this figure 1 shows a mobile communication company (or wireless network provider) and/or a content provider, which is a subject that charges a predetermined communication fee and/or content usage fee to the customer-owned wireless terminal 100, and the mobile communication company (or Wireless network provider) and/or a predetermined billing function provided in the content provider (e.g., the switching office 115 of the mobile communication company, the content providing server 130 of the content provider, or a billing means provided in the mobile communication company or content provider) And a debit-type billing/settlement function that provides a debit-type billing/settlement service in connection with a predetermined billing interface 135 (e.g., the server 140 and/or the server 2) 170 shown in FIG. 1 And a storage medium), and a financial system that provides a direct payment type settlement processing service by interlocking with the direct payment type billing/settlement function configuration and a predetermined settlement interface 198. .

According to the implementation method of the present invention, the direct payment type billing/settlement function configuration (server 140, server (2) 170, and storage medium shown in Fig. 1) is intended by those skilled in the art and/or pre-equipped billing / According to the characteristics of the settlement system, a mobile communication company (or wireless network provider) and/or a content provider, which is a subject that charges a predetermined communication usage fee and/or content usage fee to the customer-owned wireless terminal 100, and the mobile communication company ( Or a wireless network provider), or provided in a payment agency and/or a billing agency and/or a settlement agency linked with the billing entity, or provided in the financial system 199. That is, the direct payment type billing/settlement function configuration (server 140, server (2) 170, and storage medium shown in Fig. 1) is provided in the mobile communication company, or provided in the content provider, or the mobile communication company And/or it is possible to be provided in a payment agency and/or a billing agency and/or a settlement agency linked with a content provider, or provided in the financial system 199, or the direct payment type billing/settlement function configuration Some components may be provided separately in the mobile communication company and/or the content provider and/or the payment agency and/or the billing agency and/or the settlement agency and/or the financial system 199. For example, in the configuration of the direct payment/settlement function, the server 140 is provided in the mobile communication company and/or the content provider, and the server (2) 170 is a payment agency and/or a billing agency and/or a settlement agency. It is provided in the institution and/or the financial system 199, and 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 a network accessible. Consequently, in the present invention, the technical idea of the present invention is by no means limited by the position where the direct payment type billing/settlement function configuration is provided.

The customer 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 a predetermined content provided by the predetermined content providing server 130 The function of using is basically provided, and a predetermined wireless fee (eg, communication fee and/or content fee) is charged when using the voice call and/or content.

According to a preferred implementation method of the present invention, the customer wireless terminal 100 provided with the above functional configuration is a personal communication system (PCS) and/or a Global System for Mobile communications (GSM) terminal and/or a personal Personal Digital Cellular (PDC) and/or PHS (Personal Handyphone System) terminal and/or Personal Digital Assistant (PDA) and/or smart phone and/or wireless data communication terminal and / Or a wireless network of each wireless network service provider that includes at least one or more portable wireless communication devices including a portable Internet terminal, and provides a predetermined wireless network service to the mobile communication network or the wireless terminal 100 In FIG. 1, a case of accessing a wireless network through a mobile communication network will be described for ease of explanation. However, it should be noted that the subject of the present invention is by no means limited to a mobile communication network.

The mobile communication network to which the customer wireless terminal 100 is accessed is connected to the customer wireless terminal 100 through a wireless section and a base transceiver station (BTS) that connects a wireless path through a wired section. A control station 110 (BTS System Controller; BSC) that connects the base station 105 and the switching center 115 and manages network control processes such as polling, selection, and recovery. ), and a wireless switching center 115 constituting an access point for user traffic between a mobile communication network and a general telephone network, a mobile switching center (MSC) of another mobile communication network in the same or different mobile communication network, the A home location register (HLR) 125 and/or a visitor location register (VLR) 125 for registering a subscriber location and/or a visitor location subscribed to a mobile communication network, and a voice call It is characterized by comprising a network interworking device (Interworking Function (IWF) 120) that provides a line data service and/or a packet data service for wireless data communication and access to other networks in the network substructure, and mobile communication According to the evolution of technology, it is possible to further include at least one or more components.

According to a preferred implementation method of the present invention, the mobile communication network includes a circuit-switched communication fee (e.g., a communication fee corresponding to a voice call time through a mobile communication network) and/or a packet-switched communication fee (e.g., a mobile communication network). It is characterized in that a communication fee corresponding to packets (or data) transmitted and received through the communication network is charged, and the mobile communication network directly charges the communication usage fee to the customer wireless terminal 100, or a predetermined payment agency and/or Or it is characterized in that the charge through the billing agency and / or settlement agency.

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

According to a preferred implementation method of the present invention, the content providing server 130 includes a content-specific usage fee (e.g., a usage fee for each content for using one or more content) and/or a content usage period-specific usage fee (e.g., It is characterized by charging a usage fee per predetermined period for using at least one content for a predetermined period of time), and the content providing server 130 directly charges the content usage fee to the customer wireless terminal 100, or It is characterized in that the imposition through a predetermined payment agency and / or billing agency and / or settlement agency.

According to the present invention, a billing entity including the mobile communication network and/or the content providing server 130, or a prescribed payment agency and/or a billing agency and/or a settlement agency, provides a prescribed billing interface 135. Through the direct payment type billing/settlement function configuration, the charging interface 135 may be variously implemented according to the relationship between the billing subject and the direct payment type billing/settlement function configuration.

For example, the direct payment type charging/settlement function configuration is provided in software in a predetermined charging unit provided in the charging unit (e.g., realizing the function configuration for the direct payment type charging/settlement in a recording medium provided in the charging unit When a program for charging is recorded), the billing interface 135 is an inter-process communication means (or inter-process communication) that connects the billing program recorded on the recording medium provided in the billing means and the direct payment type billing/settlement function configuration. Process), or if the direct payment type billing/settlement function configuration is provided including a hardware functional configuration that interlocks with the billing means in the billing entity, the billing interface 135 includes a billing means and the debit payment It comprises a communication means (e.g., bus (BUS) or cable communication means) between predetermined hardware functional configurations connecting the type charging / settlement function configuration, or the direct payment type charging / settlement function configuration is provided on the network. In this case, the billing interface 135 includes a network connecting the billing means provided in the billing subject and the direct payment type billing/settlement function configuration.

Referring to Figure 1, the server 140 of the direct payment type billing/settlement function configuration, 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 usage fee calculation unit 145 for calculating a communication usage fee and/or a content usage fee used by the wireless terminal 100, and the calculated communication is interlocked with the storage medium according to an implementation method. The financial account verification unit 150 and/or the authentication key (or authentication data) and the calculated communication fee for checking whether the usage fee and/or content usage fee can be withdrawn from the financial account processed in connection with the authentication key (or authentication data) And/or an information transmission unit 160 for transmitting the content usage fee billing information to the servers 2 and 170 on the network.

The authentication key (or authentication data) receiving unit 145 provides confidentiality for billing and/or settlement processing for the wireless terminal 100 from a predetermined wireless terminal 100 connected to the mobile communication network, and authentication ( Authentication), an authentication key (or authentication data) receiving means, characterized in that it receives a predetermined authentication key (or authentication data) to ensure integrity and nonrepudiation, and a predetermined The authentication key (or authentication data) receiving server or a program recorded in a predetermined recording medium provided in the debit type billing/settlement system may be implemented.

According to a preferred implementation method of the present invention, the authentication key (or authentication data) receiving unit 145 when a predetermined authentication key (or authentication data) reaches the wireless switching center 115 on the mobile communication network, the wireless switching center 115 ) To extract the authentication key (or authentication data) from, and/or receive a predetermined authentication key (or authentication data) from the customer wireless terminal 100 through the mobile communication network (or authentication data) Receiving interface (e.g., the customer-owned wireless terminal 100 accesses the server 140 through the wireless Internet and provides the authentication key (or authentication data), or sends the authentication key (or authentication data) to a predetermined wireless message. It is preferable to have an interface that receives via).

The usage fee calculation unit 145 collects a predetermined usage fee including a communication usage fee and/or a content usage fee of the customer wireless terminal 100 from a predetermined billing means provided in the billing entity through a predetermined billing interface 135. As the calculation means for calculating the usage fee, it may be implemented by a predetermined usage fee calculation server or a program recorded on a predetermined recording medium provided in the direct payment type billing/settlement system according to an implementation method.

According to a preferred implementation method of the present invention, when the usage fee calculation unit 145 calculates a communication usage fee (hourly usage fee) of the circuit switching method, the usage fee calculation unit 145 uses a predetermined charging interface 135. The communication usage fee for the customer wireless terminal 100 from the charging means on the mobile communication network is periodically calculated until the call channel is connected and disconnected and provided to the financial information verification unit and/or the information transmission unit 160 It is desirable.

Alternatively, when the usage fee calculation unit 145 calculates a packet-switched communication usage fee (a usage fee per packet), the usage fee calculation unit 145 is provided from a charging means on a mobile communication network through a predetermined charging interface 135. It is preferable that a predetermined communication fee is calculated based on the size (capacity) of the data (packet) and provided to the financial information verification unit and/or the information transmission unit 160.

Alternatively, when the usage fee calculation unit 145 calculates a content usage fee (a usage fee per content) corresponding to each content, the usage fee calculation unit 145 provides the content providing server 130 through a predetermined charging interface 135. ) From the customer's wireless terminal information and/or customer information (e.g., ID/PW registered in the content providing server 130) for the customer using the content, and calculating the usage fee of the content to be used to check the financial information It is preferable to provide it to the sub and/or information transmission unit 160.

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

The financial account verification unit 150 is processed in association with a predetermined authentication key (or authentication data) to check customer-owned financial account information stored in the storage medium, and receive predetermined financial account balance information from the customer-owned financial account information. Extracting and comparing the communication usage fee and/or content usage fee calculated by the usage fee calculation unit 145 to check whether the customer using the wireless terminal 100 can pay the communication usage fee and/or content usage fee in a direct payment type. As the financial account verification means, it is possible to implement a program recorded on a predetermined financial account management server or a predetermined recording medium provided in the debit type billing/settlement system according to an implementation method.

According to a preferred implementation method of the present invention, the financial account verification unit 150 receives a predetermined authentication key (or authentication data) from the usage fee calculation unit 145, and the provided authentication key (or authentication data) is provided to the storage medium. Data), and if the customer-owned financial account information is stored, and if the customer-owned financial account information is stored, it is preferable to extract the balance of the financial account, and the customer wirelessly from the usage fee calculation unit 145 The communication usage fee and/or the content usage fee for the terminal 100 are provided, and the customer using the wireless terminal 100 can pay the communication usage fee and/or the content usage fee in a direct payment type by comparing it with the extracted financial account balance. Check whether there is a check, and if the payment can be made by direct payment as a result of the confirmation, the mobile communication network provides a predetermined voice call service, and/or the content providing server 130 provides a predetermined content use service. It is desirable.

The information transmission unit 160 transmits a predetermined communication usage fee and/or content usage fee billing information including the communication usage fee and/or content usage fee calculated by the usage fee calculation unit 145 through the server (2) (170). As a usage fee billing means for billing to be settled in a direct payment type, the communication usage fee and/or content usage fee billing information is provided to the server (2) 170 through a predetermined billing interface 135 and/or settlement interface 198. According to the implementation method, it is possible to implement a program recorded on a predetermined recording medium provided in a predetermined usage fee billing server or the direct payment type billing/settlement system.

According to a preferred implementation method of the present invention, the communication usage fee and/or content usage fee claim information includes billing amount information including a communication usage fee and/or content usage fee calculated corresponding to the wireless terminal 100, and the billing amount. It is preferable to include an authentication key (or authentication data) corresponding to the customer's wireless terminal 100 and/or customer-owned financial account information.

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

Referring to Figure 1, the server (2) 170 of the direct payment type billing/settlement function configuration provides a customer financial account for paying the communication usage fee and/or the content usage fee of the customer wireless terminal 100 to the customer wireless terminal. A financial account management unit 180 that stores and manages by linking with an authentication key (or authentication data) provided in 100, and the authentication key (or authentication data) and the customer wireless terminal 100 from the server 140 ), the information receiving unit 175 for receiving the communication usage fee and/or the content usage fee claim information, and the receiving unit through the financial account processed in connection with the authentication key (or authentication data) in connection with the financial account management unit 180 A financial account verification unit 185 to check whether the communication usage fee and/or content usage fee corresponding to the communication usage fee and/or content usage fee billing information received by the user can be paid, and the verification result of the financial account verification unit 185 , In the case where the communication usage fee and/or the content usage fee of the customer wireless terminal 100 can be paid through the financial account, the billed communication usage fee and/or the content usage fee are calculated daily through the customer's financial account, or Or, it characterized in that it comprises a; settlement processing unit 190 for periodic settlement processing.

According to a preferred implementation method of the present invention, the server (2) 170 is determined by the financial account verification unit 185, the communication usage fee and/or the content usage fee of the customer wireless terminal 100 through the financial account. If it is not possible to pay, the requested communication usage fee and/or content usage fee information that cannot be settled 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 that transmits the settlement processing details obtained by calculating the communication usage fee and/or the content usage fee of (100) to the server 140 and/or the customer terminal.

According to a preferred implementation method of the present invention, the server (2) (170) before the periodic settlement processing of the billed communication usage fee and/or content usage fee, the amount corresponding to the charged communication usage fee and/or content usage fee. Further, a lock setting unit 195 for setting a predetermined lock on the financial account so as not to withdraw from the financial account, and releasing the set lock when an amount corresponding to the charged communication usage fee and/or content usage fee is settled. It is preferable that it is provided.

The financial account management unit 180 is a financial system (199) in which a predetermined financial institution operates a predetermined financial account for a customer using the wireless terminal 100 to pay the communication usage fee and/or content usage fee of the wireless terminal 100. ) A financial account opening/registration means for registering customer-owned financial account information for a predetermined financial account opened in and/or in the financial institution in the storage medium, and customer-owned financial account information registered in the storage medium. As a financial account management means that stores and manages, characterized in that the customer-owned financial account is periodically provided and updated with the 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. Depending on the method, it is possible to implement a program recorded on a predetermined financial account management server or a predetermined recording medium provided in the direct payment type billing/settlement system.

According to a preferred implementation method of the present invention, the financial system 199 changes the balance of the financial account of the customer using the wireless terminal 100 (e.g., a predetermined amount is deposited to a financial account owned by the customer, or When the amount of money is withdrawn), the balance information of the financial account is transmitted to the financial account management unit 180, or the balance information of the financial account is periodically transmitted to the financial account management unit according to a predetermined policy ( 180), and the financial account management unit 180 preferably updates the received balance information of each customer-owned financial account to each customer-owned financial account information.

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

The information receiving unit 175 is connected to the information transmission unit 160 of the server 140 through a predetermined billing interface 135 and/or a settlement interface 198 from the server 140 to the customer wireless terminal ( 100) as an information receiving means for receiving the communication usage fee and/or content usage fee billing information, a program recorded on a predetermined recording medium provided in a predetermined usage fee claim information receiving server or the direct payment type billing/settlement system according to an implementation method It is possible to be implemented with.

The financial account verification unit 185 extracts the authentication key (or authentication data) and/or customer-owned financial account information from the communication usage fee and/or content usage fee claim information received through the information receiving unit 175, and the Based on the extracted information, by interlocking with the financial account management unit 180 to extract the balance of the customer-owned financial account and compare it with the communication fee and/or content fee, the customer using the wireless terminal 100 And/or a financial account verification means that checks whether the content usage fee can be paid in a direct payment type, wherein a program recorded on a predetermined financial account management server or a predetermined recording medium provided in the direct payment/settlement system according to an implementation method It is possible to be implemented with.

According to a preferred implementation method of the present invention, the server 140 and the server (2) 170 are provided with a financial account verification means, the communication fee corresponding to the wireless terminal 100 in the server 140 and / Or a direct payment type billing/settlement error caused by a subtle time difference between the time when the content usage fee is calculated and the time when the communication usage fee and/or the content usage fee is settled in a direct payment type by the server (2) 170 This is to confirm the method, and may be integrated and implemented according to the implementation method.

When the settlement processing unit 190 can pay the communication usage fee and/or the content usage fee of the customer wireless terminal 100 through the financial account as a result of the verification of the financial account verification means, the requested communication As a settlement processing means for daily settlement processing or periodic settlement processing of usage fees and/or content usage fees through the customer's financial account, a predetermined settlement server or a predetermined settled in the direct payment/settlement system according to the implementation method. It is possible to implement a program recorded on a recording medium.

According to a preferred implementation method of the present invention, the direct payment settlement method of the settlement processing unit 190 includes the communication usage fee and/or the content usage fee billed amount from the customer-owned financial account at the time the usage fee is charged from the server 140. A method of withdrawing money and settling it to the financial account of the billing entity, or accumulating and summing the billed amount for the communication usage fee and/or content usage fee for a certain period (e.g., a certain time or a day) from the customer-owned financial account Or a predetermined lock on the financial account so that the amount corresponding to the charged communication usage fee and/or content usage fee at the time the usage fee is charged from the server 140 is not withdrawn to another financial account And settling the amount corresponding to the charged communication usage fee and/or content usage fee from the customer-owned financial account to the financial account of the billing entity, and then unlocking the lock. Do.

The server (2) 170 is a predetermined radio fee settlement processing server, preferably composed of a terminal server, or a plurality of servers having respective means.

According to the present invention, the configuration of the debit type billing/settlement function is characterized in that it interlocks with the financial system 199 through a predetermined settlement interface 198, and the settlement interface 198 is the direct payment type billing/settlement It can be implemented in various ways according to the relationship between the functional configuration and the financial system 199.

For example, the direct payment type charging/settlement function configuration is provided in software on a financial server provided in the financial system 199 (e.g., the direct payment type charging/settlement is performed on a recording medium provided in the financial system 199). When a program for realizing the function configuration for the transaction is recorded), the settlement interface 198 is a process of connecting the financial program recorded in the recording medium provided in the financial system 199 with the direct payment type billing/settlement function configuration. In the case of comprising an inter-communication means (or inter-process communication process), or when the direct payment type billing/settlement function configuration is provided including a hardware function configuration interlocking with a financial server in the financial system 199, The settlement interface 198 includes a communication means (for example, a bus or cable communication means) between a predetermined hardware functional configuration connecting the billing means and the debit-type billing/settlement functional configuration, or When a type billing/settlement function configuration is provided on a network, the settlement interface 198 includes a network connecting the financial system 199 and the direct payment type billing/settlement function configuration.

The financial system 199 includes an account system for credit or reception or trust or foreign exchange generated in at least one or more branches, an information system for processing headquarters business, supporting branch information, and managing customer relationships, and the financial system. An external system that provides various electronic financial services by connecting the system 199 with homes, businesses, retail 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 includes a DBMS (DataBase Management System) that stores and manages predetermined information required for function performance in each of the above components, and the type of each financial institution (e.g., commercial bank, savings bank, trust bank, credit card company) ) And various kinds of components such as card system, foreign exchange system, investment finance system, and international system, depending on the purpose and characteristics of the financial system 199, may be further included.

According to a preferred implementation method of the present invention, the function of withdrawing a predetermined communication usage fee and/or content usage fee billed amount from a customer-owned financial account in the financial system 199 and transferring it to the financial account of the billing entity If the debit type charging/settlement function configuration is provided in the financial system 199, the debit type charging/settlement function configuration and the account system are preferably connected through a predetermined interface between modules, and the debit payment When a type billing/settlement function configuration is provided on a network, it is preferable that the direct payment type billing/settlement function configuration and the account system are connected through the external system.

2 is a diagram showing storage information for direct payment and settlement according to a preferred implementation method of the present invention.

Referring to Figure 1, an authentication key (or authentication data) and customer-owned financial account information are linked and stored in the storage medium. Referring to Figure 2, the authentication key (or authentication data) is the direct payment type / Store further including wireless terminal information and/or customer information for a predetermined customer wireless terminal 100 that transmits the authentication key (or authentication data) for settlement, and/or the communication fee and/or content If the usage fee is not settled immediately, it is preferable to store and store the additional predetermined information for accumulating and summing the amount charged for communication usage fees and/or content usage fees corresponding to the customer's wireless terminal 100, and the customer-owned financial account Information includes financial account information (e.g., financial account number) for the customer-owned financial account opened in the financial institution, balance information of the financial account, and/or settlement of the communication fee and/or content usage fee for the financial account. It is desirable to save the processing details.

According to a preferred implementation method of the present invention, the authentication key (or authentication data) is preferably provided and stored from a mobile communication company and/or an IC chip issuer mounted or detached from the customer wireless terminal 100, and the It is preferable that the customer wireless terminal information and/or customer information and financial account information are provided and stored from the customer using the wireless terminal 100 during the financial account opening and/or registration process, and the communication fee and/or the content fee Information for accumulation and summation and settlement processing details are preferably provided and stored from the billing/settlement service provider, and the financial account balance information is preferably provided and stored from the financial system 199 in which the financial account is opened. Do.

3 is a diagram showing 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, the wireless terminal 100 is composed of a code division (CDMA). Multiple Access) Modem, CPU/MPU (Central Processing Unit/ Micro Processing Unit), a certain modem chip (e.g., Qualcomm's MSM series modem chip) with built-in functions such as vocoder, and various memory devices, one A duplexer filter that separates the transmit/receive signals from the antenna of the antenna, a power amplifier that amplifies the transmission signal, a high power amplifier (HPA), an isolator that prevents the high-power transmission signal from returning in reverse, and the desired band is unnecessary. RF/IF SAW filter to remove wave signals, frequency up-conversion circuit of transmission path, frequency down-conversion circuit of reception path, VCTCXO (Voltage Controlled Temperature Compensated X-tal Oscillator) corresponding to the reference clock source, local part of frequency up-down conversion A UHF frequency synthesizer used as a signal and a codec chip for converting an analog voice signal into a digital signal are included, and the internal components are gradually integrated into the modem chip, and the modem chip includes the In addition to the core components for mobile communication services such as, various functions for various multimedia services and/or additional services are being directly implemented together.

Referring to the hardware characteristics of the wireless terminal as described above, the functional configuration of the wireless terminal is shown, the control unit 300, the screen output unit 310, the key input unit 315, and the sound processing unit 320 as shown in FIG. A wireless processing unit 330, a short range communication unit 335, a memory unit 305, and a battery 325 for supplying power, and an IC chip 345 provided with at least one payment means for wireless payment processing, and the It is configured to include 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 including a CPU/MPU provided in the modem chip in hardware and an execution memory, and a predetermined program routine for providing a unique function of 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 therefor, and from a predetermined memory device and/or chipset by software As a generic term for program routine and/or program data that is 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 control unit 300 are It is realized, and is characterized in that the overall operation of the wireless terminal 100 is controlled and managed in order to realize predetermined functions provided in the wireless terminal 100. In particular, in order for the control unit 300 to control and manage the overall operation of the wireless terminal 100, the wireless terminal 100 provides an operating system routine from the memory unit 305 in the process of inputting and booting a predetermined power, The control unit 300 is configured by loading a system management routine and/or system variables into the execution memory and processing them by the processor, whereby each functional configuration is operated in the wireless terminal 100.

The screen output unit 310 is a liquid crystal display (LCD) driver for screen output, and is a key input unit 315 by the control unit 300 (eg, a program routine that outputs predetermined information or data to the LCD). ) Generated through key data, various information, signals, and/or contents (e.g., text contents, image contents, and/or multimedia contents extracted and/or generated in the process of performing a predetermined function provided in the wireless terminal) ) Is output to the LCD, and a screen output means provided in the wireless terminal is provided through the screen output unit 310 and the LCD.

The key input unit 315 includes at least one key input from a predetermined keypad including a plurality of number keys, character keys, and/or at least one function key. It is characterized in that it serves to read a predetermined information or signal corresponding thereto from data (e.g., read from a table storing information or signal matching key data) and transmit it to the control unit 300, wherein the key A key input means provided in the wireless terminal is provided through an input unit 315 and a keypad.

The sound processing unit 320 encodes a predetermined sound signal input from a microphone provided in the wireless terminal and provides it to the control unit 300, or a predetermined sound extracted and/or generated by the control unit 300 A signal is decoded and output through a speaker, and for this purpose, the sound processing unit 320 is provided with a predetermined Vocoder and a Codec. A sound input means provided in the wireless terminal is provided through the sound processing unit 320 and a microphone, or a sound output means provided in the wireless terminal is provided through the sound processing unit 320 and a speaker.

The wireless processing unit 330 may register a location and/or a slot mode and/or a power control and/or in connection with the control unit 300 (eg, a program routine for providing a mobile communication service). Or a mobile communication service including a hand-off and/or call processing procedure, and a mobile base station corresponding to a terminal of a mobile communication network in the process of providing the mobile communication service It further includes an RF processing function (eg, antenna control, modulation, synthesis, amplification and/or filtering of a radio frequency signal) for transmitting and receiving the radio frequency signal with 105. In particular, the wireless processing unit 330 processes information or signals transmitted from the wireless terminal to the mobile base station 105 by a CDMA stack to provide the mobile communication service, or CDMA received from the mobile base station 105 It is characterized by providing a function of reading predetermined information or signals from the stack.

The short-range communication unit 335 includes infrared (Infrared Ray) communication, RF (Radio Frequency) communication, Bluetooth, Wireless LAN, Wi-Fi, and UWB (Ultra Wide Band system). It is characterized in that it provides at least one or more short-range wireless communication functions provided in the wireless terminal 100 in the future, and is based on a protocol defined in a predetermined terminal equipped with the short-range wireless communication means and the short-range wireless communication means. It is characterized by transmitting and receiving a predetermined wireless message.

The memory unit 305 includes input/output information and/or when an operation by a predetermined program routine (or code) and/or program data (eg, a program routine (or code)) for controlling the overall operation of the wireless terminal is performed. A generic term for memory devices that store data), such as read only memory (ROM) corresponding to read-only memory, flash memory (FM) capable of reading/writing, 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 an operating system routine, a call processing program routine, and/or an application program routine provided through the wireless terminal and information or data therefor, The EEPROM stores terminal registration-related parameters and phone numbers (eg, address book), or at least one or more pieces of information and/or data extracted and/or generated while executing an application provided in the wireless terminal.

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

Referring to the IC chip 345 standard and EMV standard including ISO/IEC 7816 and/or ISO/IEC 14443, etc., the IC chip 345 mounted or detached from the wireless terminal 100 is 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). A processor unit 355 made of at least one computing element including an input/output interface 350 communicating with, a central process unit (CPU), a micro process unit (MPU), and/or a coprocessor, and the like, It is composed of a memory unit 360 made of at least one memory device including read only memory (ROM), random access memory (RAM), electrically erasable and programmable read only memory (EEPROM), flash memory (FM), and the like, In particular, at least one of the memory devices is provided with a chip operating system (COS) for managing and operating internal resources of a smart card, and at least one of the remaining memory devices is provided with a service using a smart card. At least one IC chip 345 storage information is provided.

According to a preferred implementation method of the present invention, the memory unit 360 includes a predetermined authentication key (for example, to ensure confidentiality, authentication, integrity, and non-repudiation) for the wireless terminal 100 for direct payment/payment processing. , IC chip identification number, key related to the accredited certificate) is preferably provided.

The IC chip 345 storage information provided in the memory unit 360 on the IC chip 345 is a data storage unit for storing data or a data set corresponding to the data or information that is read and used by a card terminal program, and/ Alternatively, a data processing unit for storing and driving a program module (eg, JAVA Applet) that can be used by the card terminal program is provided, and in particular, the data processing unit includes a card configuration (eg, COS or open smart It is part of the card's virtual machine, or is linked to the card configuration.

4 is a diagram illustrating a method of registering a financial account for direct payment and settlement according to an exemplary method of the present invention.

In more detail, this figure 4 is mounted on or detached from the customer's wireless terminal 100 for direct payment/settlement processing through the customer's wireless terminal 100 in which a predetermined financial account is already opened at a predetermined financial institution. A diagram showing a preferred method of processing a predetermined authentication key (or authentication data) provided in an IC chip in association with customer financial account information and storing it in a predetermined storage medium.

The customer using the wireless terminal 100 for direct payment/settlement for the communication usage fee and/or the content usage fee of the customer's wireless terminal 100 is a billing/settlement service provider through a predetermined application and/or wired/wireless terminal 100 Provides a server with predetermined customer wireless terminal information and/or customer information and predetermined customer-owned financial account information for direct payment processing (400), and the billing/settlement service provider server provides the customer wireless terminal information and/or The validity of the customer information is determined (405), in which the customer using the wireless terminal 100 can charge a predetermined communication fee and/or content fee from a billing entity corresponding to the billing/settlement service provider. It involves determining whether or not.

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

According to a preferred implementation method of the present invention, it is preferable that a predetermined business alliance is made between the billing/settlement service provider and the financial company for the debit settlement processing according to the present invention, and the process 410 is performed in the business partnership. By doing so, the communication usage fee and/or the content usage fee of the customer using the wireless terminal 100 are set to be settled in a direct payment type through the customer-owned financial account.

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

If the validity of the customer-owned financial account is authenticated, the financial institution server transmits the direct payment type 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) equipped with an IC chip mounted or detached from the mobile communication company (or IC chip issuer) based on the direct payment type settlement processing approval information. ) Is provided (425), the authentication key (or authentication data) and the customer-owned financial account information are linked 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 (e.g., a predetermined amount is deposited to the customer-owned financial account). , Or when a predetermined amount is withdrawn from a financial account), or periodically according to a predetermined predetermined policy, transmitting the balance information of the financial account to the billing/settlement service provider server (435), and the billing/settlement The service provider server updates and stores the received balance information of the financial account in the financial account information owned by the customer (440), and the process (435 to 440) is a direct payment/settlement service of the customer wireless terminal 100 Is preferably repeated until the end of.

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

In more detail, FIG. 5 shows, in the direct payment type billing/settlement function configuration shown in FIG. 1, the server 140 uses a circuit-switched communication fee (for example, through a predetermined billing means provided in the mobile communication network). This is a preferred process of calculating and charging a communication fee corresponding to the voice call time through a mobile communication network.

Referring to Figure 5, the server 140 interlocks with the wireless switching center 115 on the mobile communication network, and the confidentiality of the wireless terminal 100 together with an outgoing signal for a voice call connection from a predetermined wireless terminal 100 of the customer. , Check whether a predetermined authentication key (or authentication data) ensuring authentication, integrity and non-repudiation has reached the wireless switching center 115 (500), and if the authentication key (or authentication data) is confirmed as a result of the verification (505), the server 140 interlocks with the wireless switching center 115 to extract the authentication key (or authentication data) (510), and link with the extracted authentication key (or authentication data) from the storage medium By accessing the processed and stored customer financial account information (515) and checking the balance information of the financial account corresponding to the authentication key (or authentication data), the longest time for a voice call through the balance of the financial account is calculated. Do (520).

If the available time for the voice call does not exist (e.g., if there is no financial account balance) 525, the server 140 sends a message (e.g., a voice message or a text message) including predetermined billing error information. Generates and transmits it to the customer wireless terminal 100 (530), and instructs the wireless switching center 115 to disconnect the voice call channel requested from the customer wireless terminal 100 (535). It is also okay to automatically switch to the postpaid billing system.

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

According to a preferred implementation method 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 is terminated. Do.

Accordingly, the server 140 determines whether the calculated communication usage fee exceeds the customer-owned financial account balance (550), and if the determination result exceeds the customer-owned financial account balance (555), the server ( 140) generates a message (e.g., a voice message or text message) including predetermined billing error information and transmits it to the customer wireless terminal 100 (530), and the wireless switching center 115 to the customer wireless terminal ( 100) instructs to disconnect the voice call channel requested from (535), whereas if the balance of the customer-owned financial account is not exceeded (555), the server 140 interworks with the merchant and the wireless switching center 115 It is determined whether the call is terminated (560), and if the voice call is terminated (565) as a result of the determination, the server 140 charges the calculated communication usage fee to the servers 2 and 170 (570).

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

In more detail, Figure 6 is a direct payment type billing / settlement function configuration shown in Figure 1, the server 140 through the content providing server 130 for each content (for example, consisting of one or more It relates to a preferred process of calculating and charging a usage fee for each content for using the content) and/or a usage fee for each content usage period (eg, a usage fee per period for using at least one content for a specific period).

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

If, as a result of the determination, it is determined that a predetermined content usage fee is charged to the customer wireless terminal 100 (605), the server 140 interworks with the content providing server 130 to provide the customer wireless terminal information and/or Customer information is extracted, and a content usage fee corresponding to the customer wireless terminal 100 is calculated (610).

For example, if the content usage fee is a usage fee for each content and a customer using the wireless terminal 100 uses a plurality of content, the server 140 adds up the usage fee for each content to be charged/settled for a predetermined content Calculate the usage fee.

*

*

*

* As described above, when the customer wireless terminal information and/or customer information is extracted and a predetermined content usage 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 implementation method of the present invention, the receiving process of the authentication key (or authentication data) includes the wireless terminal 100 so that the content providing server 130 transmits the authentication key (or authentication data) to the server 140. ) To transmit a wireless message including a callback URL, or the server 140 to transmit the authentication key (or authentication data) through the wireless terminal information ( Including transmitting a wireless message including a predetermined callback UL to 100), or transmitting the authentication key (or authentication data) by accessing the server 140 from the wireless terminal 100 through the wireless Internet. Or transmitting the authentication key (or authentication data) from the wireless terminal 100 to the server 140 through a predetermined wireless message, or provided in the mobile communication network from the wireless terminal 100 If the authentication key (or authentication data) is provided to the wireless switching center 115, the server 140 extracts the authentication key (or authentication data) from the wireless switching center 115. It is desirable.

If it is confirmed that the authentication key (or authentication data) has been 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. By accessing predetermined customer financial account information (625), extracting the balance information of the financial account corresponding to the authentication key (or authentication data) (630), and comparing the balance of the financial account with the content usage fee, It is determined whether billing/settlement processing is possible (635).

If, as a result of the determination, direct payment/settlement processing is impossible (640), the server 140 generates a message (for example, a voice message or text message) including predetermined charging error information, and the customer wireless terminal 100 ) And transmits the content usage fee billing error to the content providing server 130 (650).

On the other hand, if the direct payment/settlement processing is possible (640), the server 140 instructs the content providing server 130 to provide a predetermined content requested by the customer using the wireless terminal 100 (655). , The server 140 charges the server (2) 170 for the calculated content usage fee (660).

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

In more detail, this figure 7 shows the direct payment type billing/settlement function configuration shown in Figure 1, in which the server (2) 170 immediately charges the communication usage fee and/or the content usage fee charged by the server 140 It is about a desirable process of settlement processing.

Referring to Figure 7, the server (2) 170 checks whether a predetermined communication usage fee and/or content usage fee for the customer's wireless terminal 100 is charged from the server 140 (700), if the As a result of the verification, if a predetermined communication fee and/or content usage fee is charged (705), the server (2) (170) collects the authentication key (or authentication data) and the communication fee and/or content usage fee from the server (140). After receiving (710), accessing predetermined customer financial account information stored in association with the received authentication key (or authentication data) from the storage medium (715), and finance corresponding to the authentication key (or authentication data) The account balance information is extracted (720), and the balance of the financial account is compared with the communication usage fee and/or the content usage fee to determine whether the direct payment type charging/settlement process is possible (725).

If, as a result of the determination, direct payment/settlement processing is impossible (730), the server (2) 170 generates a message (for example, a voice message or text message) including predetermined billing error information, and the server ( 140) and to the customer wireless terminal 100 (735).

On the other hand, if the direct payment type billing/settlement process is possible (730), the server (2) (170) interlocks with the financial system (199) in which the customer-owned financial account is opened, and the communication usage fee and/or the content usage fee are recalled. It is requested to process the settlement from the customer-owned financial account to the financial account of the billing entity (740), and checks whether the settlement processing for the communication usage fee and/or content usage fee is completed in connection with the financial system 199 (745). .

If, as a result of the confirmation, the settlement processing for the communication usage fee and/or the content usage fee is completed (750), the server (2) 170 creates and stores the settlement processing details for the communication usage fee and/or the content usage fee. By storing in the medium (755), the direct payment/settlement process for the communication usage fee and/or the content usage fee is completed.

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

In more detail, FIG. 8 shows the financial account balance extracted from the storage medium and the communication fee and/or content in the process of calculating the communication fee and/or content fee of the customer wireless terminal 100 as shown in FIG. 7. When the direct payment/settlement processing is possible by comparing the usage fees, the communication usage fees and/or the content usage fees are accumulated for a certain period of time and then periodically summed and settled.

Referring to Figure 8, when the server (2) 170 is capable of direct payment/settlement processing for the communication usage fee and/or the content usage fee, the communication usage fee and/or content usage fee information unsettled from the storage medium Extracting (800), and summing the communication usage fee and/or content usage fee received from the server 140 and the unsettled communication usage fee and/or content usage fee (805), and the summed communication usage fee and/or content After processing the usage fee in association with the authentication key (or authentication data) and storing it in the storage medium (810), it is checked whether the settlement of the communication usage fee and/or the content usage fee is processed through the financial system 199 ( 815), if it is determined that the communication usage fee and/or the content usage fee are not settled as a result of the verification (820), the server 2, 170 repeats the process as shown in FIG.

On the other hand, if it is determined that the communication usage fee and/or the content usage fee is settled (e.g., when the communication usage fee and/or the content usage fee is reached) (820), the server (2) 170 In connection with the financial system 199 in which the customer-owned financial account is opened, the communication fee and/or the content fee are requested to be settled from the customer-owned financial account to the financial account of the billing entity (825), and the financial system ( 199), it is checked whether the settlement processing for the communication usage fee and/or the content usage fee is completed (830).

If, as a result of the confirmation, settlement processing for the communication usage fee and/or content usage fee is completed (835), the server (2) 170 creates and stores the settlement processing details for the communication usage fee and/or content usage fee. By storing in the medium (840), the direct payment type billing/settlement process for the communication usage fee and/or the content usage fee is completed.

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

In more detail, this figure 9 is in the process of calculating the communication usage fee and/or content usage fee of the customer wireless terminal 100 as shown in FIG. 7 and/or FIG. 8, before the communication usage fee and/or content usage fee are settled. The present invention relates to a preferred process of setting a predetermined lock on the financial account so as not to withdraw an amount corresponding to the charged communication usage fee and/or the content usage fee from the financial account to process the settlement.

Referring to Figure 9, a predetermined communication usage fee and/or content usage fee in which the communication usage fee and/or content usage fee received from the server 140 and the uncalculated communication usage fee and/or content usage fee are summed is the authentication key (or authentication). Data) and stored in the storage medium, the server (2) 170 interlocks with the financial system 199 to correspond to the summed communication usage fee and/or content usage fee from the customer's financial account A lock is requested to prevent this withdrawal (900), and it is checked whether the lock is set so that the amount corresponding to the communication usage fee and/or the content usage fee is not withdrawn from the customer financial account through the financial system 199 (905). .

If, as a result of the confirmation, the lock is confirmed so that the amount corresponding to the communication usage fee and/or the content usage fee is not withdrawn from the customer's financial account (910), the server (2) (170) through the financial system (199) It is checked whether the payment for the communication usage fee and/or the content usage fee is processed (915), and if it is not determined that the communication usage fee and/or the content usage fee is settled (920), the server 2 ( 170) repeats the same process as in FIG. 6.

On the other hand, if it is determined that the communication usage fee and/or the content usage fee is settled (e.g., when the communication usage fee and/or the content usage 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 usage fee and/or the content usage fee are requested to be settled from the customer-owned financial account to the financial account of the billing entity (925), and the financial system ( 199), it is checked whether the settlement process for the communication usage fee and/or the content usage fee is completed (930).

If, as a result of the confirmation, the settlement processing for the communication usage fee and/or the content usage fee is completed (935), the server (2) 170 is configured to provide the communication usage fee and the communication usage fee for the customer financial account through the financial system 199. / Or the withdrawal lock for the content usage fee is released (940).

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

Claims (8)

In the method executed through a server communicating with a wireless terminal of a customer via at least one packet-based communication network and communicating with a financial institution server that issued a payment method to the customer,
The server comprises: a first step of receiving customer information of the customer, wireless terminal information for uniquely identifying the customer's wireless terminal, and payment method information for the customer's payment method from the customer's wireless terminal;
A second step of verifying, at the server, an authentication result of an authentication procedure performed using the customer information and wireless terminal information and an authentication result of an authentication procedure performed using the customer information and payment method information; And
When authentication using the customer information and wireless terminal information and authentication using the customer information and payment method information are both authenticated, the server authenticates the authentication key for unique identification of the authenticated payment method information. A third step of processing to be stored in a designated storage area of the wireless terminal.
The method of claim 1, wherein the second step,
Wherein the server comprises the step of providing the customer information and the wireless terminal information to a communication service provider server corresponding to the billing entity of the wireless terminal to request authentication or confirming the result of authentication. Way.
The method of claim 1, wherein the second step,
And providing the customer information and payment method information to the financial institution server that issued the payment method, and requesting authentication or confirming the result of authentication.
The method of claim 1, wherein the third step,
And the server connecting the authentication key with the customer information and the wireless terminal information and storing the connection in a storage medium.
The method of claim 4,
The customer's payment method information is connected to the authentication key and registered and stored in the storage medium, or connected to the authentication key and registered and stored in the financial institution server,
The authentication key is extracted from a designated storage area of the customer's wireless terminal for payment, received through a communication network, and used to extract the customer's payment method information stored in the storage medium or financial institution server. How to register information for.
The method of claim 1,
When payment using the customer's wireless terminal after the authentication key is stored,
Receiving, at the server, an authentication key extracted from a designated storage area of the customer wireless terminal; And
The server extracting the customer's payment method information stored in the storage medium through the authentication key or providing it to the financial institution server to process the customer's payment method information stored in the financial institution server to be extracted; Information registration method for simple wireless payment made by the user.
The method of claim 1,
The server further comprises the step of confirming and storing authentication data for authenticating payment using the customer wireless terminal.
The method of claim 7,
When paying using the above customer's wireless terminal,
The server receiving authentication data for authenticating payment using the customer wireless terminal through a communication network; And
The server using the stored authentication data to verify the validity of the payment using the customer wireless terminal; information registration method for simple wireless payment, characterized in that further comprising.

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