KR20210090141A - Method for Registering Information for Mobile Easy Payment - Google Patents

Abstract

The present invention relates to an information registration method for mobile easy payment. The method is executed by a server communicating with a customer's wireless terminal via at least one packet-based communication network and communicating with a financial company server that has issued payment means to the customer. The method includes: a step in which the server receives payment means information on customer information on the customer and the customer's payment means from the customer's wireless terminal; a step in which the server checks an authentication result of a designated authentication procedure including an authentication procedure using the customer information and the payment means information; and a step in which the server performs processing so as to store a separate unique authentication key for uniquely identifying the authentication and the stored payment means information in a designated storage area of the authenticated wireless terminal in a case where the authentication of the authentication procedure is confirmed and the customer's payment means information is stored in a designated storage medium or a financial company server.

Description

Method for Registering Information for Mobile Easy Payment

The present invention is a method implemented through a server that communicates with a customer's wireless terminal via at least one packet-based communication network and communicates with a financial company server that has issued a payment method to the customer, wherein the server communicates with the customer's wireless terminal Receiving the customer information of the customer and payment method information for the payment method of the customer, the server confirms the authentication result of a specified authentication procedure including an authentication procedure using the customer information and the payment method information, the authentication procedure When the authentication of the user is confirmed and the customer's payment method information is stored in a designated storage medium or financial company server, the server generates a separate unique authentication key for uniquely identifying the authentication and stored payment method information in the authenticated wireless It relates to an information registration method for wireless simple payment processing to be stored in a designated storage area of a terminal.

The conventional method for processing wireless charges calculates and accumulates the communication usage fee and/or content usage fee used by the customer's wireless terminal for a certain period of time, and after the predetermined period has elapsed, the calculated communication usage fee and/or the content usage fee is calculated as the above. If charged to the customer, the method of processing a postpaid wireless charge that the customer settles through Giro or direct debit, and the customer prepays a predetermined amount as a communication fee and/or content usage fee used by the customer's wireless terminal; A prepaid wireless charge processing method in which the voice call and/or content use service is provided within the range of the prepaid amount 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, it includes a problem in that it is overdue or not received. In this case, when all of the prepaid amount is used during voice calls and/or contents use, it includes the inconvenience of having to perform the prepayment process again.

An object of the present invention is a method implemented through a server communicating with a customer's wireless terminal via at least one packet-based communication network and communicating with a financial company server that has issued a payment method to the customer, wherein the server is the customer's wireless terminal A first step of receiving the customer information of the customer and payment method information for the customer's payment method from the terminal, and the server confirms the authentication result of the specified authentication procedure including the authentication procedure using the customer information and the payment method information When the authentication of the second step and the authentication procedure is confirmed, and the customer's payment method information is stored in a designated storage medium or a financial company server, the server is a separate unique for uniquely identifying the authentication and stored payment method information An object of the present invention is to provide an information registration method for wireless simple payment including a third step of processing one authentication key to be stored in a designated storage area of the authenticated wireless terminal.

The information registration method for wireless simple payment according to the present invention communicates with a customer's wireless terminal via at least one packet-based communication network and is executed through a server communicating with a financial company server that issued a payment method to the customer. In the following, the server includes a first step of receiving the customer information of the customer and payment method information for the customer's payment method from the customer's wireless terminal, and the server includes an authentication procedure using the customer information and the payment method information A second step of confirming the authentication result of the specified authentication procedure and when the authentication of the authentication procedure is confirmed and the customer's payment method information is stored in a specified storage medium or financial company server, the server provides the authentication and stored payment method information and a third step of processing a separate and unique authentication key for unique identification of the user to be stored in a designated storage area of the authenticated wireless terminal.

In the information registration method for wireless simple payment according to the present invention, the first step further comprises the step of receiving wireless terminal information uniquely identifying the wireless terminal of the customer, and the second step is the customer It is characterized in that it further comprises the step of confirming the authentication result of the authentication procedure using the information and the wireless terminal information.

In the information registration method for wireless simple payment according to the present invention, the third step is characterized in that the server further comprises the step of connecting the authentication key and the customer information and storing the connection in a storage medium.

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

In the information registration method for wireless simple payment according to the present invention, when paying 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 Step 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 company server to process the customer's payment method information stored in the financial company server to be extracted; characterized in that

In the information registration method for wireless simple payment according to the present invention, the server is characterized in that it 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 simple payment according to the present invention, when payment is made using the customer wireless terminal, the server receives authentication data for authenticating payment using the customer wireless terminal through a communication network, and the server The step of authenticating the validity of the payment using the customer wireless terminal using the stored authentication data; characterized in that it further comprises.

The information registration method for wireless simple payment according to the present invention communicates with a customer's wireless terminal via at least one packet-based communication network and is executed through a server communicating with a financial company server that issued a payment method to the customer. In the first step, the server receives customer information of the customer, wireless terminal information uniquely identifying the wireless terminal of the customer, and payment method information for the customer's payment method from the customer's wireless terminal, and the server includes the A second step of confirming the authentication result of the authentication procedure performed using the customer information and the wireless terminal information and the authentication result of the authentication procedure performed using the customer information and the payment method information, and using the customer information and the wireless terminal information When both authentication and authentication using the customer information and payment method information are authenticated, and the authenticated payment method information is stored in a designated storage medium or a financial company server, the server is configured to uniquely identify the authentication and stored payment method information and a third step of processing a separate unique authentication key to be stored in a designated storage area of the authenticated wireless terminal.

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

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

In the information registration method for wireless simple payment according to the present invention, the third step further comprises the step of connecting the authentication key, the customer information, and the wireless terminal information to the server and storing the connection in a storage medium characterized.

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

In the information registration method for wireless simple payment according to the present invention, when paying 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 Step 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 company server to process the customer's payment method information stored in the financial company server to be extracted; characterized in that

In the information registration method for wireless simple payment according to the present invention, the server is characterized in that it 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 simple payment according to the present invention, when payment is made using the customer wireless terminal, the server receives authentication data for authenticating payment using the customer wireless terminal through a communication network, and the server The step of authenticating the validity of the payment using the customer wireless terminal using the stored authentication data; characterized in that it further comprises.

The information registration method for wireless simple payment according to the present invention communicates with a customer's wireless terminal via at least one packet-based communication network and is executed through a server communicating with a financial company server that issued a payment method to the customer. In the first step, the server receives customer information of the customer, wireless terminal information uniquely identifying the wireless terminal of the customer, and payment method information for the customer's payment method from the customer's wireless terminal, and the server includes the An authentication process for requesting authentication of the validity of the customer information and the wireless terminal information through a communication company server corresponding to the billing entity of the wireless terminal, or an authentication process for confirming the authentication result, and the customer information and payment method through the financial company server that issued the payment method A second step of performing an authentication process of requesting authentication for the validity of information or confirming the result of authentication, the validity of the customer information and the wireless terminal information is authenticated through the communication company server, and the customer information and payment method through the financial company server When the validity of the information is authenticated, the server checks a separate and unique authentication key for uniquely identifying the authenticated payment method information, and the server performs the verification of the authentication key and the customer information and the wireless terminal and a fourth step of connecting information and storing it in a storage medium, wherein the customer's payment method information is registered and stored in the storage medium in connection with the authentication key, or is connected to the authentication key and registered in the financial company server is stored, and the authentication key is stored in a designated storage area of the customer wireless terminal, is extracted from the designated storage area of the customer wireless terminal in the payment process, and is 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 customer's payment method information stored in the storage medium or the financial company server.

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

In the information registration method for wireless simple payment according to the present invention, the second step is authentication by providing the customer information and payment method information to the financial company server that issued the payment method to request authentication or to confirm the authentication result. It is characterized by including the process.

In the information registration method for wireless simple payment according to the present invention, the authentication key is stored in the storage medium in connection with the customer information and wireless terminal information to secure authentication of payment using the authenticated customer wireless terminal It is also stored in a designated storage area of the customer wireless terminal, and 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 company server to uniquely identify the authenticated customer payment method.

In the information registration method for wireless simple payment according to the present invention, the authentication key is stored in the storage medium and thereafter, in each payment process, the customer through the process of checking whether or not received from the customer wireless terminal via a designated path It is characterized in that it is used to extract the payment method information of the customer only when received from the wireless terminal.

In the information registration method for wireless simple payment according to the present invention, when paying 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 step 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 company server to process the customer's payment method information stored in the financial company server to be extracted characterized.

In the information registration method for wireless simple payment according to the present invention, the server is characterized in that it 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 simple payment according to the present invention, when payment is made using the customer wireless terminal, the server receives authentication data for authenticating payment using the customer wireless terminal through a communication network, and the server The step of authenticating the validity of the payment using the customer wireless terminal using the stored authentication data; characterized in that it further comprises.

The information registration method for wireless simple payment according to the present invention communicates with a customer's wireless terminal via at least one packet-based communication network and is executed through a server communicating with a financial company server that issued a payment method to the customer. In the first step, the server receives customer information of the customer, wireless terminal information uniquely identifying the wireless terminal of the customer, and payment method information for the customer's payment method from the customer's wireless terminal, and the server includes the An authentication process for requesting authentication of the validity of the customer information and the wireless terminal information through a communication company server corresponding to the billing entity of the wireless terminal, or an authentication process for confirming the authentication result, and the customer information and payment method through the financial company server that issued the payment method A second step of performing an authentication process of requesting authentication for the validity of information or confirming the result of authentication, the validity of the customer information and the wireless terminal information is authenticated through the communication company server, and the customer information and payment method through the financial company server When the validity of 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 for the purpose of performing the above, and a fourth step of the server connecting the verified authentication key with the customer information and the wireless terminal information and storing it in a storage medium, wherein the authentication key is , is stored in the storage medium in connection with the customer information and the wireless terminal information in order to secure authentication of payment using the authenticated customer wireless terminal, and is also stored in a designated storage area of the customer wireless terminal, the authenticated customer payment means is stored in connection with the customer's payment method information registered and stored in the storage medium or the financial company server to uniquely identify, extracted from a designated storage area of the customer wireless terminal in each payment process and received through a communication network, the storage It is characterized in that it is used to extract the customer's payment method information stored in the media or the financial company server.

In the information registration method for wireless simple payment according to the present invention, the customer's payment method information is registered and stored in the storage medium in connection with the authentication key, or is registered and stored in the financial company server in connection with the authentication key characterized by being

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

In the information registration method for wireless simple payment according to the present invention, the second step is authentication by providing the customer information and payment method information to the financial company server that issued the payment method to request authentication or to confirm the authentication result. It is characterized by including the process.

In the information registration method for wireless simple payment according to the present invention, the authentication key is stored in the storage medium and thereafter, in each payment process, the customer through the process of checking whether or not received from the customer wireless terminal via a designated path It is characterized in that it is used to extract the payment method information of the customer only when received from the wireless terminal.

In the information registration method for wireless simple payment according to the present invention, when paying 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 Step 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 company server to process the customer's payment method information stored in the financial company server to be extracted; characterized in that

In the information registration method for wireless simple payment according to the present invention, the server is characterized in that it 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 simple payment according to the present invention, when payment is made using the customer wireless terminal, the server receives authentication data for authenticating payment using the customer wireless terminal through a communication network, and the server The step of authenticating the validity of the payment using the customer wireless terminal using the stored authentication data; characterized in that it further comprises.

The information registration method for simple wireless payment according to the present invention communicates with a wireless terminal used by a customer via at least one packet-based communication network and is executed through a server that communicates with a financial institution server that issued a payment method to the customer In the following, the server receives the customer information of the customer, wireless terminal information uniquely identifying the customer's wireless terminal, and payment method information for the customer's payment method from the wireless terminal connected to the packet-based communication network, the first step of receiving and the server cooperates with a communication company server corresponding to the wireless terminal information to request authentication whether the wireless terminal corresponding to the wireless terminal information is a customer wireless terminal owned by the customer corresponding to the customer information or to confirm the authentication result Authentication process of requesting authentication or confirming the result of authentication whether the payment method corresponding to the payment method information is a customer payment method that is validly issued to the customer corresponding to the customer information in conjunction with the process and the financial company server corresponding to the payment method information When the wireless terminal corresponding to the second step of performing and the wireless terminal information is authenticated as the customer wireless terminal and the payment means corresponding to the payment means information is authenticated as the customer payment means, the server is the authenticated customer A third step of confirming a separate and unique authentication key for uniquely identifying the authenticated customer payment means while securing authentication of payment using a wireless terminal, and the server converts the verified authentication key into the customer information and the wireless terminal information and a fourth step of storing in a storage medium in connection with, wherein the authentication key is stored in the storage medium in connection with the customer information and the wireless terminal information to secure authentication of payment using the authenticated customer wireless terminal It is also stored in a designated storage area of the customer wireless terminal, and is stored in connection with the customer's payment method information registered and stored in the storage medium or the financial company server to uniquely identify the authenticated customer payment method. do.

In the information registration method for simple wireless payment according to the present invention, the customer's payment method information is registered and stored in the storage medium in connection with the authentication key, or is registered and stored in the financial company server in connection with the authentication key 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 customer's payment method information stored in the storage medium or the financial company server.

In the information registration method for simple wireless payment according to the present invention, the authentication key is transmitted from the customer wireless terminal through a packet-based communication network in each payment process after being stored in the storage medium and 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, when paying 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 step 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 company server to process the customer's payment method information stored in the financial company server to be extracted characterized.

In the information registration method for simple wireless payment according to the present invention, the server is characterized in that it 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 payment is made using the customer wireless terminal, the server receives 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 communicates with a wireless terminal used by a customer via at least one packet-based communication network and is executed through a server communicating with a financial company server that issued a payment method to the customer. In the following, the server transmits customer information of the customer 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 A first step of receiving means information and the server request authentication whether the wireless terminal corresponding to the wireless terminal information is a customer wireless terminal owned by the customer corresponding to the customer information through a communication company server corresponding to the wireless terminal information, or Through the authentication process for confirming the authentication result and the financial company server corresponding to the payment method information, authentication is requested or authenticated whether the payment method corresponding to the payment method information is a customer payment method that is validly issued to the customer corresponding to the customer information A second step of performing an authentication process for confirming a result, a wireless terminal corresponding to the wireless terminal information is authenticated as the customer wireless terminal through the communication company server, and a payment method corresponding to the payment method information through the financial company server is In the case of authentication 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 the wireless terminal information, and the server performs each subsequent In the payment process, using the authentication key to uniquely identify a customer previously authenticated through the authentication process, including a fourth step of connecting the confirmed authentication key, the customer information, and the wireless terminal information to a storage medium and storing it in a storage medium and the authentication key is also stored in a designated memory area of the customer wireless terminal corresponding to the wireless terminal information, and is transmitted and received through a packet-based communication network in each subsequent payment process, and performs the authentication process in each subsequent payment process In order to extract the customer's payment method information that is previously authenticated through the storage medium or stored in the financial company server It is characterized in that it is stored in connection with payment method information stored in a storage medium or a financial company server.

In the information registration method for wireless payment according to the present invention, the customer's payment means information is registered and stored in the storage medium in connection with the authentication key, or is registered and stored in the financial company server in connection with the authentication key characterized in that

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

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

In the information registration method for wireless payment according to the present invention, upon payment using the customer wireless terminal, the server receives an authentication key stored in the customer wireless terminal through a communication network, and the server receives the authentication key It is characterized in that it is provided to the financial company server and further comprising the step of processing so that payment method information registered and stored in the financial company server is extracted.

In the information registration method for wireless payment according to the present invention, the server is characterized in that it 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, when payment is made using the customer wireless terminal, the server receives authentication data for authenticating payment using the customer wireless terminal through a communication network, and the server includes 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 payment method registration method for wireless payment according to the present invention includes a mobile communication-based packet-based communication network capable of multiple access in a customer wireless terminal used by a customer and a short-distance communication-based packet-based communication network via any one of a packet-based communication network. A method executed through a server communicating with a wireless terminal and communicating with a financial company server that issued a payment method to a customer, wherein the server is connected to a customer wireless terminal among a mobile communication-based packet-based communication network and a short-distance communication-based packet-based communication network Receive customer information input by the customer, wireless terminal information uniquely identifying the customer wireless terminal, and payment method information corresponding to the customer's payment method from the customer wireless terminal via any one packet-based communication network according to a specified procedure In the first step and the server is a financial company by requesting or confirming the authentication result of the validity of the customer wireless terminal through the communication company server corresponding to the wireless terminal information, and providing the customer information and payment method information to the financial company server A second step of requesting the customer corresponding to the customer information to verify whether the payment method corresponding to the payment method information is in a valid issued state or confirming the result of authenticating whether the payment method is issued or not through the communication company server When the validity of the customer wireless terminal is confirmed and the customer corresponding to the customer information is authenticated as the issuer of the payment method through the financial company server, the server provides payment method information of the authenticated customer in addition to the customer information and the wireless terminal information and a third step of confirming a separate authentication key for uniquely identifying the , and storing the confirmed authentication key in a storage medium by connecting the customer information and the wireless terminal information, wherein the authentication key is stored in the wireless terminal information. It is stored in the designated memory area of the corresponding designated customer wireless terminal, is transmitted through the designated customer wireless terminal at the time of payment, and is received via the designated path, and only when received from the designated customer wireless terminal, the registered and stored payment of the customer It is characterized in that it is used to identify and extract the means information do it with

In the payment method registration method for wireless payment according to the present invention, the customer's payment method information is registered and stored in the storage medium in connection with the authentication key, or is registered and stored in the financial company server in connection with the authentication key 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 receives an authentication key stored in the customer wireless terminal through a communication network, and the server receives the authentication key It is characterized in that it further comprises; providing to the financial company server so that payment method information registered and stored in the financial company server is extracted.

In the payment method registration method for wireless payment according to the present invention, the server is characterized in that it 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 payment is made using the customer wireless terminal, the server receives 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 payment method registration method for media-free payment according to the present invention includes a mobile communication-based packet-based communication network capable of multiple access in a wireless terminal used by a customer and a short-distance communication-based packet-based communication network via any one of a packet-based communication network. In the method executed through a server communicating with a terminal and communicating with a financial company server that issued a payment method to the customer, the server is a wireless communication network used by the customer among the mobile communication-based packet-based communication network and the short-distance communication-based packet-based communication network. A first step of receiving customer information input from the customer and payment method information on a payment method issued to the customer from the wireless terminal via any one 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 company server, the financial company requests the customer corresponding to the customer information whether to issue a payment method corresponding to the payment method information or authenticates whether the payment method is issued In the second step of confirming 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 and a third step of linking customer information and the authentication key and storing them 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 that has registered the customer information and payment method information characterized in that

In the payment method registration method for medialess payment according to the present invention, the first step further includes receiving wireless terminal information for identifying the wireless terminal, and the second step includes: the customer information and The method may further include confirming a result of authenticating that the subscriber of the wireless terminal corresponding to the wireless terminal information is the customer corresponding to the customer information by using the wireless terminal information.

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

In the payment method registration method for medium-less payment according to the present invention, the authentication key is stored in a secure memory area mounted on the authenticated customer's wireless terminal and transmitted to the server during payment, and the registered payment method information It is characterized in that it is used to identify.

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

In the payment method registration method for medialess payment according to the present invention, when a payment request is made using the authenticated customer's wireless terminal, the server receives an authentication key stored in the authenticated customer's wireless terminal through a communication network and processing, by the server, to provide the authentication key to the financial company server to extract the stored payment method information.

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

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

The payment method registration method for media-free payment according to the present invention includes a mobile communication-based packet-based communication network capable of multiple access in a wireless terminal used by a customer and a short-distance communication-based packet-based communication network via any one of a packet-based communication network. A method of registering a customer's payment method through a customer's wireless terminal to be used for payment before performing the initial payment by being executed through a server communicating with a terminal and communicating with a financial company server that has issued a payment method to the customer, the method comprising: The server includes customer information for identifying the customer from the wireless terminal via any packet-based communication network accessed by the wireless terminal used by the customer among the mobile communication-based packet-based communication network and the short-distance communication-based packet-based communication network and the wireless terminal. A first step of receiving, according to a specified procedure, the wireless terminal information for identifying the wireless terminal information and the payment method information for the payment method issued to the customer, and the server using the customer information and the wireless terminal information corresponding to the wireless terminal information Confirm the result of authenticating that the subscriber of the wireless terminal is the customer corresponding to the customer information, and provide the customer information and payment method information to the financial company server to provide the payment method information to the customer corresponding to the customer information from the financial company a second step of requesting authentication of whether to issue a corresponding payment method, and when the 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 It characterized in that it comprises a third step of confirming the authentication key to uniquely identify the payment method information and connecting to the wireless terminal information or the customer information corresponding to the wireless terminal registered the payment method information and storing in a storage medium.

In the payment method registration method for medialess payment according to the present invention, the authentication key is stored in a secure memory area mounted on the authenticated customer's wireless terminal.

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

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

In the payment method registration method for medialess payment according to the present invention, when a payment request is made using the authenticated customer's wireless terminal, the server receives an authentication key stored in the authenticated customer's wireless terminal through a communication network and processing, by the server, to provide the authentication key to the financial company server to extract the stored payment method information.

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

In the payment method registration method for medialess payment according to the present invention, when a payment request using the authenticated customer's wireless terminal is requested, the server authenticates the payment using the authenticated customer's wireless terminal through a communication network Receiving the data and the server is characterized in that it further comprises the step of authenticating the validity of the payment using the authenticated customer's wireless terminal using the stored authentication data.

The customer payment method registration method for medialess payment according to the present invention is a method executed through a server linked to a financial company server that has issued a payment method to the customer, wherein the server is a wireless terminal of the customer to be used for payment through a communication network Receive wireless terminal information for identifying a customer, receive customer information directly input by the customer through the customer's wireless terminal to be used for the payment, and receive the customer's payment method directly input by the customer through the customer's wireless terminal to use for the payment In the first step of receiving information and the server, when the customer information and the wireless terminal information are received, by using the customer information and the wireless terminal information, the subscriber of the wireless terminal to be used for the payment is a customer corresponding to the customer information Check the authentication result, and when the customer information and payment method information are received, provide the customer information and payment method information to the financial company 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 authentication of whether the payment method is a customer and requesting to store the authenticated payment method information in the financial company server when the holder of the payment method is authenticated as the customer Mapping the authenticated customer information and wireless terminal information to identify a payment requested using the authenticated wireless terminal when the customer corresponding to the payment method and the holder of the payment method to be used for the payment is the customer corresponding to the customer information a third step of storing in the storage medium, checking the authentication key for extracting the customer's payment method information stored in the financial company server when the requested payment is identified using the authenticated wireless terminal, and storing it in the storage medium It is characterized in that it includes.

In the customer payment method registration method for medialess payment according to the present invention, when a payment using the stored payment method information of the customer is requested using the authenticated customer's wireless terminal, the server performs the authentication through a communication network Receiving an authentication key for authenticating the payment requested using the customer's wireless terminal, and the server providing the authentication key to the financial company server, further comprising the step of processing to extract the stored payment method information characterized by being made.

In the customer payment method registration method for medialess payment according to the present invention, the server uses the authenticated customer's wireless terminal to authenticate the payment using the stored customer's payment method information. It characterized in that it further comprises the step of checking the authentication data to be transmitted from the terminal and storing it in the storage medium.

In the customer payment method registration method for medialess payment according to the present invention, when a payment using the stored customer's payment method information is requested using the authenticated customer's wireless terminal, the server is configured to 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 is characterized in that it further comprises the step of extracting the stored customer's payment method information through the financial company server and processing so that the payment approval procedure is performed.

In the customer payment method registration method for medialess payment according to the present invention, the wireless terminal is connected to a packet-based communication network through a mobile communication network, or is connected to a proximity RF (Radio Frequency) communication, wireless LAN, Wi-Fi ( It is characterized in that it is connected to a packet-based communication network through at least one of Wi-Fi) and Bluetooth (BlueTooth).

The customer payment method registration method for medialess payment according to the present invention is a customer payment method registration method for medialess payment executed by a server provided in a financial company that has issued a payment method to a customer, wherein the server connects a communication network A first step of receiving wireless terminal information for identifying the wireless terminal of the customer to be used for payment, and receiving customer information directly input by the customer and payment method information of the customer to be used for payment through the identified customer's wireless terminal; When the result of authenticating that the subscriber of the wireless terminal to be used for the payment is the customer is confirmed using the customer information and the wireless terminal information, the holder of the customer's payment method to be used for the payment using the customer information and the payment method information A second step of authenticating whether is the customer, and when the subscriber of the wireless terminal to be used for the payment is the customer and the holder of the payment method to be used for the payment is the customer, the authenticated customer information, wireless terminal information, and payment method information A method of mapping and storing in a storage medium, verifying an authentication key for extracting the authenticated stored payment method information from the storage medium by authenticating the payment requested using the authenticated customer's wireless terminal, and storing it in the storage medium It is characterized in that it includes three steps.

In the customer payment method registration method for medialess payment according to the present invention, when a payment using the customer's payment method information stored in the storage medium is requested using the authenticated customer's wireless terminal, the server connects to the communication network Receiving an authentication key for authenticating the payment requested using the authenticated customer's wireless terminal through the authentication key and extracting the payment method information stored in the storage medium by using the authentication key do it with

In the customer payment method registration method for medialess payment according to the present invention, the server checks authentication data to be transmitted from the authenticated customer's wireless terminal to authenticate 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 customer payment method registration method for medialess payment according to the present invention, when a payment using the customer's payment method information stored in the storage medium is requested using the authenticated customer's wireless terminal, the server connects to the communication network Receiving authentication data for authenticating payment using the customer's payment method information stored in the storage medium through the server 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 is characterized in that it further comprises the step of processing so that the approval procedure of the payment is performed through the customer's payment method information stored in the storage medium.

In the customer payment method registration method for medialess payment according to the present invention, the wireless terminal is connected to a packet-based communication network through a mobile communication network, or proximity RF (Radio Frequency) communication, wireless LAN, Wi-Fi ( It is characterized in that it is connected to a packet-based communication network through at least one of Wi-Fi) and Bluetooth (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 voice call service through the customer wireless terminal The content provider that provides the contents of the customer provides billing and settlement services in the form of debit through the customer's financial account, thereby preventing the communication usage fee and/or contents usage fee used by the customer's wireless terminal from being overdue or non-receipt in advance. There is an advantage.

According to the present invention, when the communication usage fee and/or content usage fee used by the customer wireless terminal is charged and settled in the form of automatic debit post-payment in connection with a predetermined financial account, the customer and the mobile communication company (or using the wireless terminal) There is an advantage of providing a billing and settlement service in the form of debit by converting the financial account into a financial account for debit settlement processing by changing the billing and settlement terms and conditions between wireless networks (wireless data communication, portable Internet service providers).

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

Hereinafter, the principle of operation of the preferred embodiment of the present invention will be described in detail with reference to the accompanying drawings and description. However, the drawings shown below and the following description are for preferred implementation methods among various methods for effectively explaining the features of the present invention, and the present invention is not limited only 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 well-known function or configuration may unnecessarily obscure the gist of the present invention, the detailed description thereof will be omitted. And the 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 the user or operator. Therefore, the definition should be made based on the contents throughout this name.

In addition, the 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 normally provided in the technical field to which the present invention belongs The configuration is omitted as much as possible, and the functional configuration to 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, it will be possible to easily understand the functions of the conventionally used components among the functional configurations omitted without being shown below, and the configuration omitted as described above. Relationships between elements and components added for purposes of the present invention will also be clearly understood.

In addition, the preferred embodiment of the present invention embodied below describes that the storage medium is provided outside accessible from the server in order to effectively describe the technical components constituting the present invention, but generally in the technical field to which the present invention pertains. A person having the knowledge of will clearly understand that the storage medium may be provided inside the server.

In addition, in the preferred embodiment of the present invention embodied below, in order to efficiently describe the technical components constituting the present invention, all functional configurations provided in the server are described as being provided in the server, but in the technical field to which the present invention belongs 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 those skilled in the art to practice the present invention (eg, information or data for realizing the server function) It will be clearly understood that it may be provided separately in at least two or more servers (transmitting and receiving each other).

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

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

In more detail, FIG. 1 shows a mobile communication company (or a wireless network provider) and/or a content provider that is the subject of charging 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 configuration provided in the content provider (e.g., the switching center 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 the content provider) and a debit-type billing/settlement function configuration that provides a debit-type billing/settlement service by interworking with a predetermined billing interface 135 (eg, the server 140 and/or the server 2) 170 shown in FIG. 1 and storage medium) and a financial system that provides a debit-type settlement processing service in conjunction with the debit-type billing/settlement function configuration and a predetermined settlement interface 198 is shown. .

According to the implementation method of the present invention, the debit-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 / The mobile communication company (or wireless network provider) and/or the content provider, which is the subject of charging a predetermined communication fee and/or content usage fee to the customer-owned wireless terminal 100 according to the characteristics of the settlement system, and the mobile communication company ( or a wireless network provider), provided in a payment agency and/or a billing agency and/or a settlement agency interworking with the billing entity, or provided in the financial system 199 . That is, the debit type billing/settlement function configuration (server 140, server 2, 170, and storage medium shown in Fig. 1) is provided in the mobile communication company, is 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 interlocking with the content provider, or provided in the financial system 199, or the debit type billing/settlement function configuration It is possible that some components are separately provided in the mobile communication company and/or the content provider and/or the payment agency and/or the billing agency and/or the settlement agency and/or the financial system 199 . For example, in the configuration of the debit type billing/settlement function, the server 140 is provided in the mobile communication company and/or the content provider, and the server 2 and 170 is a payment agency and/or a billing agency and/or a settlement agency. It is provided in the institution and/or financial system 199 , and the storage medium is provided in the server 140 and/or the server 2 , 170 , or the server 140 and/or the server 2 , 170 . ) can be provided on an accessible network. As a result, in the present invention, the technical idea of the present invention is by no means limited by the location where the debit-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 . It is characterized in that a predetermined wireless fee (eg, a communication fee and/or a content usage fee) is charged when using the voice call and/or contents.

According to a preferred embodiment of the present invention, the customer wireless terminal 100 equipped with the above functional configuration is a Personal Communication System (PCS) and/or Global System for Mobile communications (GSM) terminal and/or personal A Personal Digital Cellular (PDC) and/or a Personal Handyphone System (PHS) terminal and/or a Personal Digital Assistant (PDA) and/or a Smart Phone and/or a wireless data communication terminal and It is preferable to include at least one portable wireless communication device including a portable Internet terminal and/or a wireless network of each wireless network service provider that provides a predetermined wireless network service to the mobile communication network or the wireless terminal 100 . can be connected to, but in FIG. 1, a case of accessing to a wireless network through a mobile communication network will be described for ease of description. However, it should be noted that the subject of the present invention is not limited to a mobile communication network.

The mobile communication network to which the customer wireless terminal 100 is connected is a base transceiver station (BTS) that is connected to the customer wireless terminal 100 through a wireless section and connects a wireless path, and 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, or a mobile switching center (MSC) of another mobile communication network in the same or different mobile communication network; Home Location Register (HLR) 125 and/or Visitor Location Register (VLR) 125 for registering the location of subscribers and/or visitors who have subscribed to the mobile communication network, and for voice calls It characterized in that it comprises an Interworking Function (IWF) 120 that provides a circuit data service and/or a packet data service for wireless data communication and connection with other networks in the network infrastructure, 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 embodiment of the present invention, the mobile communication network includes a circuit-switched communication fee (eg, a communication fee corresponding to a voice call time through a mobile communication network) and/or a packet-switched communication fee (eg, a mobile communication network). It is characterized in that a communication fee corresponding to packets (or data) transmitted and received through the mobile communication network is charged, and the mobile communication network directly charges the communication fee to the customer wireless terminal 100, or a predetermined payment agency and/or Alternatively, it is characterized in that it is charged through a billing agency and/or a settlement agency.

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

According to a preferred embodiment of the present invention, the content providing server 130 includes a usage fee for each content (eg, a usage fee for each content for using one or more contents) and/or a usage fee for each content usage period (eg, It is characterized in that a usage fee per predetermined period for using at least one content for a predetermined period) is charged, and the content providing server 130 directly charges the content usage fee to the customer wireless terminal 100, or It is characterized in that it is charged through a predetermined payment agency and/or a billing agency and/or a settlement agency.

According to the present invention, the billing entity including the mobile communication network and/or content providing server 130, or a predetermined payment agency and/or a billing agency and/or a settlement agency uses a predetermined charging interface 135. It is characterized in that it interlocks with the debit-type billing/settlement function configuration configuration, and the charging interface 135 may be implemented in various ways according to the relationship between the billing entity and the debit-type billing/settlement function configuration.

For example, the debit-type billing/settlement function configuration is provided in software in a predetermined billing means provided in the billing entity (for example, to realize the functional configuration for the debit-type billing/settlement in a recording medium provided in the billing means When a program 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 debit-type billing/settlement function configuration. process), or when the debit-type billing/settlement functional configuration includes a hardware functional configuration that interlocks with a billing means in the billing subject, the billing interface 135 is a billing means and the direct payment It is made by including a communication means (eg, a bus (BUS) or cable communication means) between predetermined hardware functional components that connects the type billing/settlement function configuration, or the debit type billing/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 entity and the debit-type billing/settlement function configuration.

Referring to Figure 1, the server 140 of the debit type billing / settlement function configuration, the authentication key (or authentication data) receiving unit 145 for receiving the authentication key (or authentication data) from the customer wireless terminal (100) and a usage fee calculation unit 145 for calculating the communication usage fee and/or content usage fee used by the wireless terminal 100, and in conjunction with the storage medium according to the implementation method, the calculated communication A financial account verification unit 150 that checks whether a usage fee and/or a content usage fee can be withdrawn from a financial account linked with the authentication key (or authentication data) and/or the authentication key (or authentication data) and the calculated communication usage fee and/or an information transmission unit 160 that transmits the content usage fee billing information to the server (2) 170 on the network.

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

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

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

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

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

Alternatively, when the usage fee calculation unit 145 calculates a content usage fee (use fee per content) corresponding to each content, the usage fee calculation unit 145 is configured to provide the content providing server 130 through a predetermined charging interface 135 . ) extracts customer wireless terminal information and/or customer information (eg, ID/PW registered in the content providing server 130) about the customer who uses the content, calculates the usage fee for the content to be used, and confirms the financial information It is preferable to provide it to the unit and/or the information transmission unit 160 .

Alternatively, when the usage fee calculation unit 145 calculates the contents usage fee (use fee per usage time) corresponding to the contents usage period, the usage fee calculation unit 145 is configured to provide a content providing server through a predetermined charging interface 135 . From 130, the customer wireless terminal information and/or customer information (eg, ID/PW registered in the content providing server 130) for the customer using the content is extracted, and the content usage fee is calculated for each use time to finance the finance. 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 checks customer-owned financial account information stored in the storage medium in connection with a predetermined authentication key (or authentication data), and obtains predetermined financial account balance information from the customer-owned financial account information. Extracting and comparing with the communication fee and/or content usage fee calculated by the extraction and usage fee calculation unit 145, confirming whether the customer using the wireless terminal 100 can pay the communication usage fee and/or contents usage fee in a debit 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 embodiment of the present invention, the financial account confirmation 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 in the storage medium. It is preferable to check whether the customer-owned financial account information linked with the data) 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 A communication fee and/or content usage fee for the terminal 100 is provided, and the customer using the wireless terminal 100 can pay the communication usage fee and/or contents usage fee in a debit type by comparing the extracted financial account balance. check whether there is, and if it is possible to pay in a debit form as a result of the confirmation, to provide a predetermined voice call service in the mobile communication network, and/or to provide a predetermined content use service in the content providing server 130 it is preferable

The information transmission unit 160 transmits predetermined communication usage fee and/or contents usage fee billing information including the communication usage fee and/or contents usage fee calculated by the usage fee calculation unit 145 to the server (2) (170). As a usage fee claiming means for claiming to be settled in a debit type, the communication usage fee and/or content usage fee billing information is provided to the server (2) 170 through a predetermined charging interface 135 and/or a settlement interface 198. It is characterized in that, according to the implementation method, it is possible to be implemented as a program recorded on a predetermined usage fee claiming server or a predetermined recording medium provided in the debit-type billing/settlement system.

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

The server 140 is a predetermined wireless charge processing server, and preferably consists of a terminal server or a plurality of servers each having means.

Referring to Figure 1, the server (2) 170 of the debit type billing / settlement function configuration, the customer wireless terminal 100, a customer financial account for paying the communication usage fee and / or content usage fee of the customer wireless terminal A financial account management unit 180 that stores and manages in association 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 fee and/or content usage fee billing information, and the receiving unit through the financial account linked with the authentication key (or authentication data) in conjunction with the financial account management unit 180 A financial account verification unit 185 that confirms whether the communication usage fee and/or contents usage fee corresponding to the communication usage fee and/or contents usage fee billing information received by the user can be paid, and the verification result of the financial account verification unit 185 , when the communication usage fee and/or content usage fee of the customer wireless terminal 100 can be paid through the financial account, the billed communication usage fee and/or contents usage fee is daily settled through the customer's financial account, or or a settlement processing unit 190 for periodic settlement processing.

According to a preferred implementation method of the present invention, the server (2) (170) is a communication fee and/or content usage fee of the customer wireless terminal 100 through the financial account as a result of the verification of the financial account verification unit (185). If it is impossible to pay the billed communication fee and/or content usage fee, the information that cannot be processed 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 of 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 claimed communication fee and/or content usage fee, the amount corresponding to the claimed communication usage fee and/or content usage fee A lock setting unit 195 that sets a predetermined lock on the financial account so as not to withdraw from the financial account, and releases the set lock when the amount corresponding to the claimed communication fee and/or content usage fee is settled It is preferable to be 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 a communication fee and/or a 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 and/or opened in the financial institution in the storage medium, and customer-owned financial account information registered in the storage medium A financial account management means for storing and managing the customer-owned financial account, characterized in that it periodically receives and updates 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. According to the method, it is possible to be implemented as a program recorded in a predetermined financial account management server or a predetermined recording medium provided in the debit type billing/settlement system.

According to a preferred implementation method of the present invention, the financial system 199 changes the balance of the customer's financial account using the wireless terminal 100 (eg, a predetermined amount is deposited into a customer-owned financial account, or a predetermined amount is 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 transferred to the financial account management unit ( 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 balance information of the corresponding financial account from the financial system 199 in which the customer's financial account using the wireless terminal 100 is opened according to a predetermined policy. In addition, it is preferable to receive the balance information of the corresponding 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 transmitting unit 160 of the server 140 through a predetermined charging 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 communication usage fee and/or content usage fee billing information, the program being recorded on a predetermined recording medium provided in a predetermined usage fee requesting information receiving server or the debit type billing/settlement system according to an implementation method It is possible to be carried out with

The financial account confirmation 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 billing information received through the information receiving unit 175, and Based on the extracted information, by interworking with the financial account management unit 180 to extract the balance of the customer-owned financial account and compare it with the communication usage fee and/or content usage fee, the customer using the wireless terminal 100 can obtain the communication usage fee and/or as a financial account verification means for confirming whether the content usage fee can be paid in a debit type, a program recorded in a predetermined financial account management server or a predetermined recording medium provided in the debit type billing/settlement system according to an implementation method It is possible to be carried out with

According to a preferred implementation method of the present invention, the provision of financial account verification means in the server 140 and the server 2 and 170 includes a communication fee corresponding to the wireless terminal 100 in the server 140 and / Or debit-type billing/settlement error caused by a subtle time difference that occurs between the time when the content usage fee is calculated and the time when the server 2 ( 170 ) settles the communication usage fee and/or the contents usage fee in a debit type In order to confirm the , it 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 in a debit type through the financial account as a result of checking the financial account verification means, the claimed communication As a settlement processing means for daily or periodic settlement of usage fees and/or content usage fees through the customer's financial account, a predetermined settlement server or a predetermined settling system provided in the debit-type billing/settlement system according to an implementation method It is possible to be implemented as a program recorded on a recording medium.

According to a preferred embodiment of the present invention, the direct payment settlement method of the settlement processing unit 190 receives the communication fee and/or content usage fee from the customer-owned financial account at the time the usage fee is charged from the server 140. A method of withdrawing money to the financial account of the billing entity, or accumulating and summing the billing amount for the communication fee and/or content usage fee for a certain period (eg, a certain time or one day) from the customer-owned financial account to the billing entity a method of settlement to a financial account of , or a predetermined lock on the financial account so that the amount corresponding to the communication fee and/or content usage fee charged at the time the usage fee is charged from the server 140 is not withdrawn to another financial account and at least one method of unlocking the lock after setting an amount corresponding to the claimed communication usage fee and/or content usage fee from the customer-owned financial account to the financial account of the billing entity. Do.

The server (2) 170 is a predetermined wireless charge settlement processing server, and preferably consists of a terminal server or a plurality of servers each having means.

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

For example, the debit-type billing/settlement function configuration is provided in software on the financial-related server provided in the financial system 199 (eg, the debit-type billing/settlement is performed on a recording medium provided in the financial system 199) When a program for realizing the functional configuration for the function configuration is recorded), the settlement interface 198 connects the financial program recorded on the recording medium provided in the financial system 199 and the debit type billing/settlement functional configuration When it is made by including inter-communication means (or inter-process communication process), or when the debit-type billing/settlement function configuration is provided including a hardware functional configuration that interworks with a financial-related server in the financial system 199, The settlement interface 198 includes a communication means (eg, a bus (BUS) or cable communication means) between a billing means and a predetermined hardware functional configuration connecting the debit-type billing/settlement functional configuration, or the debit When the type billing/settlement function configuration is provided on the network, the settlement interface 198 includes a network connecting the financial system 199 and the debit type charging/settlement function configuration.

The financial system 199 includes an account system for window business such as credit or receipt or trust or foreign exchange generated at at least one or more branch offices, an information system for processing headquarters business, branch information support, and customer relationship management; An external system that provides various electronic financial services by connecting the system 199 to households, businesses, retail stores, and other external computer networks, and an interface between modules (not shown) that provides an interface between components within the financial system 199; It consists of a DBMS (DataBase Management System) that stores and manages predetermined information required to perform functions in each of the components, and each type of financial institution (eg, commercial bank, savings bank, trust bank, credit card company) ) and the purpose and characteristics of the financial system 199, it is possible to further include various types of components such as a card system, a foreign exchange system, an investment finance system, and an international system.

According to a preferred implementation method of the present invention, the function of withdrawing a predetermined communication 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 subject is the account system. When the debit-type billing/settlement function configuration is provided in the financial system 199, the debit-type billing/settlement function configuration and the account system are preferably connected through a predetermined inter-module interface, and the debit When the type billing/settlement function configuration is provided on the network, it is preferable that the debit type billing/settlement function configuration and the account system are connected through the external system.

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

Referring to FIG. 1, the storage medium stores an authentication key (or authentication data) in association with customer-owned financial account information. Referring to FIG. 2, the authentication key (or authentication data) is the debit type billing system. / 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 immediately settled, it is preferable to further include and store predetermined information for accumulating and summing the communication usage fee and/or content usage fee corresponding to the customer wireless terminal 100, and the customer-owned financial account The information includes financial account information (eg, financial account number) for the financial account owned by the customer 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 store the processing history.

According to a preferred embodiment of the present invention, the authentication key (or authentication data) is preferably provided and stored by 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 by the customer using the wireless terminal 100 during the financial account opening and/or registration process, and the communication usage fee and/or content usage fee It is preferable that information for accumulating and summing and settlement processing details are provided and stored from the billing/settlement service provider, and the financial account balance information is provided and stored from the financial system 199 in which the financial account is opened. Do.

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

In terms of hardware, the wireless terminal 100 is externally configured to include a body, a speaker, a microphone, a keypad, a liquid crystal display (LCD), an antenna, and a battery 325, and internally, a CDMA (Code Division). Multiple Access) Modem, CPU/MPU (Central Processing Unit/Micro Processing Unit), a predetermined modem chip (eg, MSM series modem chip of Qualcomm, USA) with built-in functions such as a vocoder, various memory devices, one A duplexer filter that separates the transmit and receive signals from the antenna of the antenna, a power amplifier that amplifies the transmit signal, a high power amplifier (HPA), an isolator that prevents the high power transmit signal from returning to the opposite side, unnecessary out of the desired band RF/IF SAW filter to remove the wave signal, frequency up-conversion circuit of transmission path, frequency down-conversion circuit of receiving path, VCTCXO (Voltage Controlled Temperature Compensated X-tal Oscillator) corresponding to the reference clock source, local frequency up-down conversion It consists of a UHF frequency synthesizer used as a signal, and a codec chip for converting an analog audio signal into a digital signal. The internal components as described above are gradually being 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 integrated together.

When the functional configuration of the wireless terminal is illustrated with reference to the hardware characteristics of the wireless terminal as described above, the control unit 300, the screen output unit 310, the key input unit 315, the sound processing unit 320, and the An IC chip 345 comprising a wireless processing unit 330, a short-range communication unit 335, a memory unit 305, and a battery 325 for supplying power, provided with at least one payment method for wireless payment processing; and an IC chip interface 340 providing an interface between the IC chip 345 and the wireless terminal 100 .

The control unit 300 includes a processor including a CPU/MPU provided in the modem chip in hardware and an execution memory, and a predetermined program routine for providing a function specific to the wireless terminal 100 from a predetermined memory element. (Routine) and/or a bus (BUS) for inputting and outputting program data and a predetermined electronic circuit (or integrated circuit) provided therefor, and is configured by software from a predetermined memory device and/or chipset. As a generic term for program routines and/or program data that are loaded into the execution memory and processed through the processor to perform a specific function, various functions to be implemented in the wireless terminal 100 by the controller 300 are provided. It is realized, and it 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 during a predetermined power input and booting process; The control unit 300 is configured by loading system management routines and/or system variables into the execution memory and arithmetic processing 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 the key input unit 315 is operated by the control unit 300 (eg, a program routine for outputting predetermined information or data to the LCD). ) generated through key data, various information, signals, and/or contents extracted and/or generated in the process of performing a predetermined function provided in the wireless terminal (eg, text contents, image contents, and/or multimedia contents) ) 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 or more function keys. It is characterized in that it serves to read a predetermined information or signal corresponding thereto from data (eg, read from a table storing information or signal matching key data) and transmit it to the control unit 300, and the key A key input means provided in the wireless terminal is provided through the input unit 315 and the 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 It is characterized in that the signal is decoded and output through a speaker. For this, 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 processor 320 and a microphone, or a sound output means provided in the wireless terminal is provided through the sound processor 320 and a speaker.

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

The short-range communication unit 335 includes infrared (Infrared Ray) communication, RF (Radio Frequency) communication, Bluetooth (BlueTooth), wireless LAN (Wireless LAN), Wi-Fi (Wi-Fi), UWB (Ultra Wide Band system), including In the future, it is characterized in that at least one or more short-range wireless communication functions provided in the wireless terminal 100 are provided, and 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 in that it transmits and receives 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. Data) as a generic name for memory devices that store read-only memory, such as ROM (Read Only memory), Read/Writable Flash Memory (FM), and EEPROM (Electrically Erasable and Programmable Read Only Memory), etc. 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 for the same, The EEPROM stores terminal registration-related parameters, a phone number (eg, an 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 provides information between the payment agent provided in the wireless terminal 100 and the IC chip 345 through the IC chip 345 standard including ISO/IEC 7816 and/or ISO/IEC 14443. and/or to provide data exchange. For example, the IC chip interface 340 provides information and/or data exchange between the IC chip 345 agent program and the IC chip 345 through an Application Protocol Data Unit (APDU).

Referring to the IC chip 345 standard and the EMV standard including ISO/IEC 7816 and/or ISO/IEC 14443, 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), etc. A processor unit 355 comprising at least one arithmetic element including an input/output interface 350 for communication with a CPU (Central Process Unit), a Micro Process Unit (MPU), and/or a coprocessor, and the like; It consists of a memory unit 360 comprising at least one memory element including ROM (Read Only Memory), RAM (Random Access Memory), EEPROM (Electrically Erasable and Programmable Read Only Memory), FM (Flash Memory), and the like, In particular, at least one of the memory devices is provided with a chip operating system (COS) for managing and operating the internal resources of the 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 embodiment of the present invention, the memory unit 360 has a predetermined authentication key (eg, for ensuring confidentiality, authentication, integrity and non-repudiation of the wireless terminal 100 for debit-type billing/settlement processing) , an IC chip unique number, and a key related to a public certificate) are preferably provided.

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

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

In more detail, this Figure 4 is mounted on or detached from the customer wireless terminal 100 for direct debit billing/settlement processing through the customer wireless terminal 100 in which a predetermined financial account is previously opened at a predetermined financial institution. It is a diagram showing a preferred method of processing a predetermined authentication key (or authentication data) provided in the IC chip in association with customer financial account information and storing the same in a predetermined storage medium.

For direct payment/settlement of communication usage fee and/or content usage fee of customer wireless terminal 100, a customer using the wireless terminal 100 uses a predetermined application and/or wired/wireless terminal 100 to provide a billing/settlement service provider The server provides predetermined customer wireless terminal information and/or customer information and predetermined customer-owned financial account information for debit-type settlement processing (400), and the billing/settlement service provider server provides the customer wireless terminal information and/or In determining the validity of the customer information ( 405 ), the validity determination is that the customer using the wireless terminal 100 may charge a predetermined communication fee and/or content usage fee from a billing entity corresponding to the billing/settlement service provider. This includes determining whether

If the validity of the customer wireless terminal information and/or customer information is verified, the billing/settlement service provider server transmits the customer wireless terminal information and/or customer information and the customer-owned financial account information to the financial account in which the financial account is opened. It is transmitted to the financial company server, and requests to provide a debit-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 for direct payment settlement processing according to the present invention is established between the billing/settlement service provider and the financial company, and the process 410 is based on the business alliance. The communication usage fee and/or content usage fee of the customer using the wireless terminal 100 is set to be settled in a debit 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 company 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 company server transmits debit-type settlement processing approval information for the customer wireless terminal 100 to the billing/settlement service provider server (420), and the billing/settlement service provider server The settlement service provider server has a predetermined authentication key (or authentication data) equipped with an IC chip mounted or detached from the mobile communication company (or IC chip issuer) on the basis of the debit-type settlement processing approval information. ) is provided (425), and 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 company server changes the balance of the financial account (eg, a predetermined amount is deposited into the customer-owned financial account) , or when a predetermined amount is withdrawn from the financial account), or periodically according to a predetermined policy, the balance information of the financial account is transmitted 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 customer-owned financial account information (440), and the process (435-440) is a direct debit billing/settlement service of the customer wireless terminal 100 It is preferable to repeat until the end.

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

In more detail, FIG. 5 shows that, in the configuration of the debit-type billing/settlement function shown in FIG. 1, the server 140 uses a circuit-switched communication fee (eg, through a predetermined billing means provided in the mobile communication network). It is about a desirable process of calculating and billing a communication fee corresponding to a voice call time through a mobile communication network.

Referring to FIG. 5 , the server 140 interworks with the wireless switching center 115 on the mobile communication network to provide an outgoing signal for a voice call connection from a predetermined customer wireless terminal 100 and confidentiality of the wireless terminal 100 . , it is checked whether a predetermined authentication key (or authentication data) that guarantees authentication, integrity and non-repudiation has arrived at the wireless switching center 115 (500), and if the authentication key (or authentication data) is confirmed as a result of the confirmation In step 505, the server 140 cooperates with the wireless switching center 115 to extract the authentication key (or authentication data) (510), and links 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 voice calls is calculated through the balance of the financial account. do (520).

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

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

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

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

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

In more detail, FIG. 6 shows that, in the configuration of the debit-type billing/settlement function shown in FIG. 1, the server 140 uses the content providing server 130 through the content providing server 130 for each content usage fee (eg, consisting of one or more It relates to a preferred process of calculating and billing a usage fee for each content for using the contents) and/or a usage fee for each content usage period (eg, a usage fee per predetermined period for using at least one content for a predetermined period).

Referring to FIG. 6 , the server 140 interworks with the content providing server 130 to determine whether a predetermined content usage fee including a usage fee for each content and/or a usage fee for each content usage period is imposed ( 600 ), the process is performed wirelessly It is preferable that a customer using the terminal 100 accesses the content providing server 130 through a predetermined wired/wireless terminal 100 to purchase predetermined contents and request wireless payment.

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

For example, when the content usage fee is a usage fee for each content and a customer using the wireless terminal 100 uses a plurality of contents, the server 140 adds up the usage fee for each of the plurality of contents and a predetermined content to be billed/settled by direct payment. Calculate the usage fee

*

*

*

*

* As described above, when 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 embodiment of the present invention, in the process of receiving the authentication key (or authentication data), the wireless terminal 100 transmits the authentication key (or authentication data) from the content providing server 130 to the server 140 . ) to transmit a wireless message including a predetermined callback URL, or the server 140 transmits the authentication key (or authentication data) through the wireless terminal information to the wireless terminal ( 100) including transmitting a wireless message including a predetermined callback URL, 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 At least one of extracting the authentication key (or authentication data) from the wireless switching center 115 in the server 140 when the authentication key (or authentication data) is provided to the wireless switching center 115 it is preferable

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), the balance information of the financial account corresponding to the authentication key (or authentication data) is extracted (630), and the debit type by 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, debit-type charging/settlement processing is impossible ( 640 ), the server 140 generates a message (eg, a voice message or a text message) including predetermined charging error information, and the customer wireless terminal 100 ) to (645), and transmits the content usage fee charging error to the content providing server 130 (650).

On the other hand, if the debit-type billing/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 calculated content usage fee to the servers 2 and 170 ( 660 ).

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

In more detail, FIG. 7 shows that, in the configuration of the debit-type billing/settlement function shown in FIG. 1, the server 2, 170 immediately requests the communication fee and/or the content usage fee requested by the server 140. It is about the desirable process of settlement processing.

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

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

On the other hand, if the debit-type billing/settlement processing is possible (730), the server (2) (170) interworks with the financial system (199) in which the customer-owned financial account is opened to collect the communication fee and/or content usage fee. Requests for settlement processing from the customer-owned financial account to the financial account of the billing entity (740), and checks whether the settlement processing for the communication fee and/or content usage fee is completed in conjunction with the financial system 199 (745) .

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

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

In more detail, FIG. 8 shows the balance of the financial account extracted from the storage medium and the communication fee and/or contents extracted from the storage medium in the process of calculating the communication fee and/or content usage fee of the customer wireless terminal 100 as shown in FIG. 7 . It relates to a preferred process of accumulating the communication usage fee and/or content usage fee for a certain period of time and then periodically summing it for settlement when the direct payment type billing/settlement process is possible by comparing the usage fee.

Referring to FIG. 8 , when the server 2 and 170 can perform direct payment/settlement processing for the communication fee and/or content usage fee, information on the communication fee and/or content usage fee unsettled from the storage medium extract (800), the communication fee and/or content usage fee received from the server 140 and the unsettled communication usage fee and/or content usage fee are summed (805), and the summed communication 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), the financial system 199 checks whether the communication fee and/or the content usage fee is settled ( 815), if it is not determined that the communication fee and/or the content usage fee are settled (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 content usage fee is settled (eg, when the period for calculating the communication usage fee and/or content usage fee has reached) (820), the server (2) 170 is the requesting that the communication usage fee and/or content usage fee be settled from the customer-owned financial account to the financial account of the billing entity in connection with the financial system 199 in which the customer-owned financial account is opened (825), and the financial system ( 199) to check whether the settlement processing for the communication fee and/or the content usage fee is completed (830).

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

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

In more detail, FIG. 9 shows the communication usage fee and/or content usage fee of the customer wireless terminal 100 as shown in FIGS. 7 and/or 8 before the settlement process of the communication usage fee and/or content usage fee in the process of settlement processing. It relates to a preferred process of setting a predetermined lock on the financial account so that the amount corresponding to the claimed communication fee and/or content usage fee is not withdrawn from the financial account and processing.

Referring to FIG. 9 , a predetermined communication fee and/or content usage fee in which the communication fee and/or content usage fee received from the server 140 and the unsettled communication usage fee and/or content usage fee are added to the authentication key (or authentication) data) and stored in the storage medium, the server (2) (170) interworks with the financial system (199) to obtain an amount corresponding to the total communication fee and/or content usage fee from the customer's financial account A lock is requested to prevent this from being withdrawn (900), and it is checked whether a lock is set so that an amount corresponding to the communication fee and/or content usage fee is not withdrawn from the customer's financial account through the financial system (199) (905) .

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

On the other hand, if it is determined that the communication fee and/or content usage fee is settled (for example, when the period in which the communication usage fee and/or content usage fee is settled) is reached (920), the server (2) 170 is the requesting that the communication usage fee and/or content usage fee be settled from the customer-owned financial account to the financial account of the billing entity in conjunction with the financial system 199 in which the customer-owned financial account is opened (925), and the financial system ( 199) to check whether settlement processing for the communication fee and/or content usage fee is completed (930).

If, as a result of the check, the settlement processing for the communication fee and/or the content usage fee is completed (935), the server (2) (170) applies the communication fee and the communication fee to the customer's financial account through the financial system (199). / or release the lock withdrawal for the content usage fee (940).

100: wireless terminal 105: base station
110: control station 115: switching station
120: network linkage device 125: HLR/VLR
130: content providing server 135: charging 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 unit 185: financial account verification unit
190: settlement processing unit 195: lock setting unit
197: information transmission unit 198: settlement interface
199: Financial System

Claims (7)

A method executed through a server communicating with a customer's wireless terminal via at least one packet-based communication network and communicating with a financial company server that has issued a payment method to the customer,
a first step of receiving, by the server, customer information of the customer and payment method information on the payment method of the customer from the wireless terminal of the customer;
a second step of confirming, by the server, an authentication result of a specified authentication procedure including an authentication procedure using the customer information and payment method information; and
When the authentication of the authentication procedure is confirmed and the customer's payment method information is stored in a designated storage medium or a financial company server, the server generates a separate unique authentication key for uniquely identifying the authentication and the stored payment method information. Information registration method for wireless simple payment comprising; a third step of processing to be stored in a designated storage area of the authenticated wireless terminal.
The method of claim 1,
The first step further comprises receiving wireless terminal information uniquely identifying the customer's wireless terminal,
The second step, the information registration method for wireless simple payment, characterized in that it further comprises the step of confirming the authentication result of the authentication procedure using the customer information and the wireless terminal information.
According to claim 1, wherein the third step,
The server information registration method for wireless simple payment characterized in that it further comprises the step of connecting the authentication key and the customer information and storing it in a storage medium.
The method of claim 1,
The customer's payment method information is registered and stored in the storage medium in connection with the authentication key, or is registered and stored in the financial company server in connection with 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 is used to extract the customer's payment method information stored in the storage medium or the financial company server. How to register information for.
The method of claim 1,
When paying using the customer wireless terminal after the authentication key is stored,
receiving, by the server, an authentication key extracted from a designated storage area of the customer wireless terminal; and
The server extracts the customer's payment method information stored in the storage medium through the authentication key or provides it to the financial company server to process the customer's payment method information stored in the financial company server to be extracted; characterized by further comprising: How to register information for wireless easy payment with
The method of claim 1,
The server information registration method for wireless simple payment, characterized in that it further comprises the step of checking and storing authentication data for authenticating payment using the customer wireless terminal.
7. The method of claim 6,
When paying using the customer's wireless terminal,
receiving, by the server, authentication data for authenticating payment using the customer wireless terminal through a communication network; and
The server using the stored authentication data to authenticate the validity of the payment using the customer wireless terminal; information registration method for wireless simple payment characterized in that it further comprises.

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