WO2002063526A1 - Method and system for providing a proxy payment service for wireless communication charges - Google Patents

Method and system for providing a proxy payment service for wireless communication charges Download PDF

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Publication number
WO2002063526A1
WO2002063526A1 PCT/KR2002/000166 KR0200166W WO02063526A1 WO 2002063526 A1 WO2002063526 A1 WO 2002063526A1 KR 0200166 W KR0200166 W KR 0200166W WO 02063526 A1 WO02063526 A1 WO 02063526A1
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WO
WIPO (PCT)
Prior art keywords
credit card
wireless communication
proxy payment
card transaction
amount
Prior art date
Application number
PCT/KR2002/000166
Other languages
French (fr)
Inventor
Eun-Sook Park
Original Assignee
Eun-Sook Park
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Eun-Sook Park filed Critical Eun-Sook Park
Publication of WO2002063526A1 publication Critical patent/WO2002063526A1/en

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Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/04—Payment circuits
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/14—Payment architectures specially adapted for billing systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/22—Payment schemes or models
    • G06Q20/24—Credit schemes, i.e. "pay after"
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/42—Confirmation, e.g. check or permission by the legal debtor of payment
    • G06Q20/425—Confirmation, e.g. check or permission by the legal debtor of payment using two different networks, one for transaction and one for security confirmation
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M15/00—Arrangements for metering, time-control or time indication ; Metering, charging or billing arrangements for voice wireline or wireless communications, e.g. VoIP
    • H04M15/44—Augmented, consolidated or itemized billing statement or bill presentation
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M17/00—Prepayment of wireline communication systems, wireless communication systems or telephone systems
    • H04M17/10—Account details or usage
    • H04M17/106—Account details or usage using commercial credit or debit cards
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M17/00—Prepayment of wireline communication systems, wireless communication systems or telephone systems
    • H04M2017/14—Prepayment of wireline communication systems, wireless communication systems or telephone systems using commercial credit/debit cards, e.g. VISA, AMEX
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M2215/00—Metering arrangements; Time controlling arrangements; Time indicating arrangements
    • H04M2215/01—Details of billing arrangements
    • H04M2215/0104—Augmented, consolidated or itemised billing statement, e.g. additional billing information, bill presentation, layout, format, e-mail, fax, printout, itemised bill per service or per account, cumulative billing, consolidated billing
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M2215/00—Metering arrangements; Time controlling arrangements; Time indicating arrangements
    • H04M2215/22—Bandwidth or usage-sensitve billing
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M2215/00—Metering arrangements; Time controlling arrangements; Time indicating arrangements
    • H04M2215/32—Involving wireless systems

Definitions

  • the present invention relates to a method for providing payment for charges for wireless communication by proxy and a system thereof, and more particularly, to a method and a system for providing a proxy payment service for charges for wireless communication using a computer network based on credit card information.
  • wireless communication users also use credit cards. Therefore, if a method for providing payment of charges for wireless communication using credit card transaction information is provided, wireless communication users can more easily pay the charges. In addition, if an amount of proxy payment is larger than a total amount of wireless communication charge, the user of wireless communication need not pay the wireless communication charge in person.
  • the method for providing a proxy payment service for wireless communication charges uses a credit card company server and a wireless communication charge management server, and it comprises: receiving credit card transaction information of a credit card user from the credit card company server; updating a credit card transaction information database of a wireless communication user corresponding to a wireless communication identification number related to a credit card of the credit card user, using the received credit card transaction information; determining if conditions for proxy payment of wireless communication charges exist; calculating an amount of proxy payment on the basis of data in the credit card transaction information database; and sending a signal tendering a proxy payment corresponding to the calculated amount of proxy payment to the wireless communication charge management server, the signal of proxy payment including the wireless communication identification number and the amount of proxy payment.
  • said determining if conditions for proxy payment of wireless communication charges exist comprises comparing selected parameters to predetermined values, and determining if conditions for proxy payment of wireless communication charges exist based on the comparison.
  • the selected parameters include at least one of a current date and a total amount of a credit card transaction
  • the predetermined values include at least one of a predetermined date and a predetermined amount of a credit card transaction.
  • Each of the parameters must reach the predetermined values for proxy payment conditions to exist.
  • the credit card transaction information database includes information on an accumulated amount of credit card transactions, and the amount of proxy payment is calculated in proportion to the accumulated amount of credit card transactions at a predetermined rate.
  • the credit card transaction information includes a credit card identification number and an amount of a credit card transaction, and the updated credit card transaction information database includes the credit card transaction information and the accumulated amount of credit card transactions.
  • a server for facilitating a proxy payment for wireless communication charges using a credit card company server and a wireless communication charge management server comprises: a first network interface communicating data with the credit card company server through a first network; a second network interface communicating data with the wireless communication charge management server through a second network; a database including a user information database storing information on a user of a service for the proxy payment of wireless communication charges and a credit card transaction information database storing information on a credit card transaction of the user of the service for the proxy payment; and a processor for managing data communicated through the first and second network interfaces and data stored in the database, wherein the processor performs: receiving credit card transaction information of a credit card user from the credit card company server;
  • the first network is identical to the second network, and the first network interface is identical to the second network interface, and both the first network and the second network are the Internet.
  • FIG. 1 is a drawing schematically showing a process performed by the method and system for the proxy payment service for wireless communication charges according to the preferred embodiment of the present invention.
  • FIG. 2 is a schematic diagram showing a proxy payment system including the proxy payment server.
  • FIG. 3 is a flow chart showing a method for providing a proxy payment service for wireless communication according to the preferred embodiment of the present invention.
  • the proxy payment system for charges for wireless communication includes: a wireless communication user and a credit card user 10; a member store 20 of a credit card company that provides goods or services by being paid by a credit card; a credit card company server 100 that provides credit card services for a credit card user; a wireless communication charge management server 300 of a wireless communication company that provides a wireless communication service; and a proxy payment server 200 for paying a wireless communication charge by proxy using credit card transaction information input from the credit card company server 20.
  • the wireless communication user is identical to the credit card user. However, it is also possible for the wireless communication user to use credit card information of another person, that is, it is possible to pay the wireless communication charge using another person's credit card information after acquiring the other person's approval.
  • the member store 20 of the credit card company can be any one of all member stores of the credit card company. However, it is preferable that the member store 20 is one of all member stores that make a special contract for proxy payment services for wireless communication charges according to the present invention.
  • the member store 20 asks for approval for a credit card payment from the credit card company server 100, and during this course, the credit card transaction information is sent to the credit card company server 100.
  • the credit card company server 100 pays for the credit card transaction, and adds the amount of the transaction to the account of the credit card user 10 for payment within a predetermined time period, and the credit card user then pays.
  • the proxy payment server 200 receives the credit card transaction information from the credit card company server 100. It is preferable that the credit card transaction information includes information on the member store that has the special contract with the credit card company.
  • the proxy payment server 200 stores the received credit card transaction information in a database 240 provided in the proxy payment server 200. Then, the proxy payment server 200 determines if conditions for proxy payment exist, and if so, the proxy payment server 200 sends a signal for tendering a proxy payment for the wireless communication charges of the wireless communication user to the wireless communication charge management server 300.
  • the wireless communication charge management server 300 subtracts an amount of money being indicated in the proxy payment signal from an actual amount of the wireless communication charges, and sends a result of the subtraction to the proxy payment server 200.
  • the proxy payment server 200 then sends the result of the proxy payment to the wireless communication user 10.
  • the wireless communication charge management server 300 tenders a payment for a portion of the wireless communication charges and subtracts the proxy payment amount from the total wireless communication charges. Therefore, the wireless communication user 10 is responsible for the subtracted charge, and if the total charge has been paid by proxy, the wireless communication user 10 need not pay for wireless communication.
  • Fig. 2 shows a block diagram of the proxy payment system, which includes the proxy payment server 200 according to the preferred embodiment of the present invention.
  • the system includes a member store terminal 50 that is provided in the member store, the credit card company server 100 that is connected to the member store terminal 50 via a network, the wireless communication charge management server 300 managing wireless communication charges, and the proxy payment server 200 that is connected to the credit company server 100 via a first network and is connected to the wireless communication charge management server 300 via a second network.
  • the member store terminal 50 and the credit card company server 100 can be realized by general structures.
  • the credit card company server 100 includes a member store database 150 storing information on the member stores that have made the special contract regarding the proxy payment of the wireless communication charges.
  • the member store database 150 includes information for discriminating the member store terminal 50.
  • the wireless communication charge management server 300 can be realized by a general structure for processing data for wireless communication use.
  • the wireless communication charge management server 300 includes a wireless communication charge database 350, which includes wireless communication identification number information and wireless communication charge information.
  • the proxy payment server 200 includes a first network interface 210 communicating data through the first network, a second network interface 220 communicating data through the second network, a database 240, a processor 230 for managing data communicated through the first and second network interfaces 210 and 220, and data stored in the database 240.
  • the database 240 comprises a user information database 250, a credit card transaction information database 260 for storing credit card transaction information of the credit card user, and a proxy payment result database 270 for storing the result of the proxy payment of the wireless communication charge.
  • the databases can be realized by a magnetic tape, a hard-disk, a CD-ROM (Compact Disk - Read Only Memory), a ROM (Read Only Memory), a RAM (Random Access Memory), etc.
  • the user information database 250 includes user discrimination information (hereinafter referred to as a user identifier) for discriminating the user, a wireless communication identification number of the user, credit card information that is used for proxy payment of the wireless communication charges, and user information such as a user name and an address of the user.
  • user discrimination information hereinafter referred to as a user identifier
  • the credit card transaction information database 260 includes the user identifier, credit card transaction information of the user such as a transaction time, an amount of the credit card transaction, and the member store where the user purchases goods or services, as well as an accumulated amount of credit card transactions.
  • the proxy payment result database 270 includes the user identifier, a proxy payment date and a total amount of the proxy payment; and the first and second networks can be realized as various kinds of computer networks such as the Internet, a public network, and a private network.
  • the first and second network interfaces 210 and 220 are shown in different networks to distinguish them from each other. However, if the first and second networks are the same network, the first and second network interfaces 210 and 220 can be realized as a single network interface.
  • the processor 230 performs the method for providing the proxy payment service for wireless communication charges by managing data communicated through the first and second network interfaces 210 and 220 and data stored in the database 240, and the processor 230 can be realized by a microprocessor that is executed by a computer program.
  • Fig. 3 is a flowchart showing the method for providing the proxy payment service of the wireless communication charges according to the preferred embodiment of the present invention.
  • the credit card company server 100 receives the credit card transaction information from the member store terminal 50 in step S310.
  • the credit card company server 100 determines if the member store terminal 50 is a store that has the special contract with the credit card company for the proxy payment of the wireless communication charges in step S315.
  • the determination of the step S315 can be made by searching a member store database 150.
  • step S315 the credit card company server 100 sends the credit card transaction information to the proxy payment server 200 in step S320.
  • the credit card transaction information includes credit card identification information, a time of the credit card transaction, and an amount of the credit card transaction, and preferably, the credit card transaction information further includes the member store identification information.
  • the credit card identification information includes arbitrary information to identify the used credit card account, such as a credit card number.
  • the processor 230 of the proxy payment server 200 receives the credit card transaction information through the first network interface 210 in step S325, then extracts the corresponding user identifier from the user information database 250 and updates the credit card transaction information database 260 in step S330.
  • the credit card transaction information database means to store an amount of the credit card transaction, the time of the credit card transaction, and the calculated accumulated amount of credit card transactions. If the credit card transaction information includes the member store identification information in step S325, it is preferable that the credit card transaction information database 260 further includes the member store identification information.
  • the processor 230 determines if the conditions for proxy payment exist in step S335.
  • the conditions for proxy payment include that a current date is a predetermined chosen date, or that the amount of the credit card transaction is larger than a predetermined amount.
  • the conditions for proxy payment include both that the current date is the predetermined date and the amount of the credit card transaction is at least the predetermined amount.
  • step S340 the procedure ends, and if it is determined that the conditions exist, the processor 230 calculates an amount of the proxy payment for the user in step S340.
  • the calculation of the amount of the proxy payment can be performed in various manners on the basis of the accumulated amount of the credit card transactions. For example, the amount of the proxy payment can be calculated by multiplying the accumulated amount of the credit card transactions by a predetermined rate.
  • the processor 230 then sends a signal tendering a proxy payment including the wireless communication identification number of the user and the amount of the proxy payment, to the wireless communication charge management server 300 in step S345.
  • the wireless communication charge management server 300 receives the proxy payment tendering signal in step S350, and then subtracts the amount of the proxy payment from the total wireless communication charge of the user in step S355.
  • the wireless communication charge management server 300 then sends a signal corresponding to the result of the proxy payment to the proxy payment server 200 in step S360.
  • the signal corresponding to the result of the proxy payment includes the wireless communication identification number of the user and the amount of the proxy payment.
  • the processor 230 of the proxy payment server 200 receives the result of the proxy payment through the second network interface in step
  • step S365 extracts the user identifier corresponding to the wireless communication identification number based on the received result of the proxy payment and updates the credit card transaction information database 260 and the proxy payment result database 270 in step S370.
  • the accumulated amount of the credit card transactions of the credit card transaction information database is updated with a value acquired by subtracting the accumulated amount of money corresponding to the proxy payment from the previous accumulated amount of the credit card transactions, and the proxy payment result database 270 is updated by recording the date of the proxy payment and the amount of the proxy payment.
  • the proxy payment server 200 then informs the user of the proxy payment for the wireless communication charge of the user in step S375, and the wireless communication charge management server 300 charges the user for the wireless communication charges that are now decreased by the proxy payment in step S380.
  • the step S375 of informing the user of the proxy payment can be performed by the wireless communication charge management server 300.
  • the wireless communication user can save on wireless, communication charges, and a use of the wireless communication can be increased.
  • the wireless communication user can have the wireless communication charges paid without any action, simply by using the credit card.
  • the credit card use information is stored in the proxy payment server, even when a wrong amount for a credit card transaction is charged because of errors in a credit card company computer system, the wrong tender can be easily detected.

Abstract

A method and server for providing a proxy payment service of wireless communication charges using credit card use information are provided. The method comprises: receiving credit card transaction information of a credit card user from the credit card company server; updating a credit card transaction information database of a wireless communication user corresponding to a wireless communication identification number related to a credit card of the credit card user using the received credit card transaction information; determining if conditions for proxy payment of wireless communication charges exist; calculating an amount of proxy payment on the basis of data in the credit card transaction information database; and sending a signal tendering a proxy payment corresponding to the calculated amount of proxy payment to the wireless communication charge management server, the signal of proxy payment including the wireless communication identification number and the amount of proxy payment.

Description

METHOD AND SYSTEM FOR PROVIDING A PROXY PAYMENT SERVICE FOR WIRELESS COMMUNICATION CHARGES
BACKGROUND OF THE INVENTION
(a) Field of the Invention
The present invention relates to a method for providing payment for charges for wireless communication by proxy and a system thereof, and more particularly, to a method and a system for providing a proxy payment service for charges for wireless communication using a computer network based on credit card information.
(b) Description of the Related Art Recently, the communication industry has been rapidly developing, and individuals are using many kinds of communication services so that an amount of charges for communication services has rapidly increased. In particular, charges for wireless communication services such as a cellular phone service and a personal communication service have rapidly increased. As wireless communication technology has developed, various methods and systems that provide assorted services using wireless communication have also come about. For example, a method and a system has been developed for providing payment for internet charges or charges for credit card transactions using wireless communication terminals. However, in these methods, the wireless communication terminal is used only as an intermediating tool, and the actual payment is performed through an off-line written message.
The majority of wireless communication users also use credit cards. Therefore, if a method for providing payment of charges for wireless communication using credit card transaction information is provided, wireless communication users can more easily pay the charges. In addition, if an amount of proxy payment is larger than a total amount of wireless communication charge, the user of wireless communication need not pay the wireless communication charge in person.
SUMMARY OF THE INVENTION
It is one object of the present invention to provide a method for providing a proxy payment service for wireless communication charges using credit card transaction information, and a server thereof.
In the preferred embodiment of the present invention, the method for providing a proxy payment service for wireless communication charges uses a credit card company server and a wireless communication charge management server, and it comprises: receiving credit card transaction information of a credit card user from the credit card company server; updating a credit card transaction information database of a wireless communication user corresponding to a wireless communication identification number related to a credit card of the credit card user, using the received credit card transaction information; determining if conditions for proxy payment of wireless communication charges exist; calculating an amount of proxy payment on the basis of data in the credit card transaction information database; and sending a signal tendering a proxy payment corresponding to the calculated amount of proxy payment to the wireless communication charge management server, the signal of proxy payment including the wireless communication identification number and the amount of proxy payment. Preferably, said determining if conditions for proxy payment of wireless communication charges exist comprises comparing selected parameters to predetermined values, and determining if conditions for proxy payment of wireless communication charges exist based on the comparison. The selected parameters include at least one of a current date and a total amount of a credit card transaction, and the predetermined values include at least one of a predetermined date and a predetermined amount of a credit card transaction. Each of the parameters must reach the predetermined values for proxy payment conditions to exist.
In the preferred embodiment of the present invention, the credit card transaction information database includes information on an accumulated amount of credit card transactions, and the amount of proxy payment is calculated in proportion to the accumulated amount of credit card transactions at a predetermined rate. The credit card transaction information includes a credit card identification number and an amount of a credit card transaction, and the updated credit card transaction information database includes the credit card transaction information and the accumulated amount of credit card transactions.
A server for facilitating a proxy payment for wireless communication charges using a credit card company server and a wireless communication charge management server comprises: a first network interface communicating data with the credit card company server through a first network; a second network interface communicating data with the wireless communication charge management server through a second network; a database including a user information database storing information on a user of a service for the proxy payment of wireless communication charges and a credit card transaction information database storing information on a credit card transaction of the user of the service for the proxy payment; and a processor for managing data communicated through the first and second network interfaces and data stored in the database, wherein the processor performs: receiving credit card transaction information of a credit card user from the credit card company server;
updating a credit card transaction information database of a wireless
communication user corresponding to a wireless communication identification
number related to a credit card of the credit card user, using the received
credit card transaction information; determining if conditions for proxy payment of wireless communication charges exist; calculating an amount of proxy payment on the basis of data in the credit card transaction information database; and sending a signal tendering a proxy payment corresponding to the calculated amount of proxy payment to the wireless communication charge management server, the signal of proxy payment including an identification number of the wireless communication user and the amount of proxy payment. Preferably, the first network is identical to the second network, and the first network interface is identical to the second network interface, and both the first network and the second network are the Internet.
BRIEF DESCRIPTION OF THE DRAWINGS FIG. 1 is a drawing schematically showing a process performed by the method and system for the proxy payment service for wireless communication charges according to the preferred embodiment of the present invention.
FIG. 2 is a schematic diagram showing a proxy payment system including the proxy payment server.
FIG. 3 is a flow chart showing a method for providing a proxy payment service for wireless communication according to the preferred embodiment of the present invention. DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS
Hereinafter, a preferred embodiment of the present invention will be described in detail with reference to the accompanying drawings.
As shown in FIG. 1 , according to the preferred embodiment of the present invention, the proxy payment system for charges for wireless communication includes: a wireless communication user and a credit card user 10; a member store 20 of a credit card company that provides goods or services by being paid by a credit card; a credit card company server 100 that provides credit card services for a credit card user; a wireless communication charge management server 300 of a wireless communication company that provides a wireless communication service; and a proxy payment server 200 for paying a wireless communication charge by proxy using credit card transaction information input from the credit card company server 20.
It is preferable that the wireless communication user is identical to the credit card user. However, it is also possible for the wireless communication user to use credit card information of another person, that is, it is possible to pay the wireless communication charge using another person's credit card information after acquiring the other person's approval.
The member store 20 of the credit card company can be any one of all member stores of the credit card company. However, it is preferable that the member store 20 is one of all member stores that make a special contract for proxy payment services for wireless communication charges according to the present invention.
A method for providing a proxy payment service for wireless communication charges employing the above-stated system will be explained hereinafter.
First, if the wireless communication user 10 purchases goods or services at the member store 20 and pays for the goods or services with his credit card, the member store 20 asks for approval for a credit card payment from the credit card company server 100, and during this course, the credit card transaction information is sent to the credit card company server 100.
Then the credit card company server 100 pays for the credit card transaction, and adds the amount of the transaction to the account of the credit card user 10 for payment within a predetermined time period, and the credit card user then pays.
The proxy payment server 200 receives the credit card transaction information from the credit card company server 100. It is preferable that the credit card transaction information includes information on the member store that has the special contract with the credit card company. The proxy payment server 200 stores the received credit card transaction information in a database 240 provided in the proxy payment server 200. Then, the proxy payment server 200 determines if conditions for proxy payment exist, and if so, the proxy payment server 200 sends a signal for tendering a proxy payment for the wireless communication charges of the wireless communication user to the wireless communication charge management server 300.
The wireless communication charge management server 300 subtracts an amount of money being indicated in the proxy payment signal from an actual amount of the wireless communication charges, and sends a result of the subtraction to the proxy payment server 200.
The proxy payment server 200 then sends the result of the proxy payment to the wireless communication user 10.
As stated above, the wireless communication charge management server 300 tenders a payment for a portion of the wireless communication charges and subtracts the proxy payment amount from the total wireless communication charges. Therefore, the wireless communication user 10 is responsible for the subtracted charge, and if the total charge has been paid by proxy, the wireless communication user 10 need not pay for wireless communication.
Fig. 2 shows a block diagram of the proxy payment system, which includes the proxy payment server 200 according to the preferred embodiment of the present invention.
The system includes a member store terminal 50 that is provided in the member store, the credit card company server 100 that is connected to the member store terminal 50 via a network, the wireless communication charge management server 300 managing wireless communication charges, and the proxy payment server 200 that is connected to the credit company server 100 via a first network and is connected to the wireless communication charge management server 300 via a second network.
The member store terminal 50 and the credit card company server 100 can be realized by general structures.
It is preferable that the credit card company server 100 includes a member store database 150 storing information on the member stores that have made the special contract regarding the proxy payment of the wireless communication charges. Preferably, the member store database 150 includes information for discriminating the member store terminal 50.
The wireless communication charge management server 300 can be realized by a general structure for processing data for wireless communication use. The wireless communication charge management server 300 includes a wireless communication charge database 350, which includes wireless communication identification number information and wireless communication charge information. The proxy payment server 200 includes a first network interface 210 communicating data through the first network, a second network interface 220 communicating data through the second network, a database 240, a processor 230 for managing data communicated through the first and second network interfaces 210 and 220, and data stored in the database 240. The database 240 comprises a user information database 250, a credit card transaction information database 260 for storing credit card transaction information of the credit card user, and a proxy payment result database 270 for storing the result of the proxy payment of the wireless communication charge. The databases can be realized by a magnetic tape, a hard-disk, a CD-ROM (Compact Disk - Read Only Memory), a ROM (Read Only Memory), a RAM (Random Access Memory), etc.
The user information database 250 includes user discrimination information (hereinafter referred to as a user identifier) for discriminating the user, a wireless communication identification number of the user, credit card information that is used for proxy payment of the wireless communication charges, and user information such as a user name and an address of the user.
The credit card transaction information database 260 includes the user identifier, credit card transaction information of the user such as a transaction time, an amount of the credit card transaction, and the member store where the user purchases goods or services, as well as an accumulated amount of credit card transactions.
The proxy payment result database 270 includes the user identifier, a proxy payment date and a total amount of the proxy payment; and the first and second networks can be realized as various kinds of computer networks such as the Internet, a public network, and a private network.
The first and second network interfaces 210 and 220 are shown in different networks to distinguish them from each other. However, if the first and second networks are the same network, the first and second network interfaces 210 and 220 can be realized as a single network interface.
The processor 230 performs the method for providing the proxy payment service for wireless communication charges by managing data communicated through the first and second network interfaces 210 and 220 and data stored in the database 240, and the processor 230 can be realized by a microprocessor that is executed by a computer program.
Fig. 3 is a flowchart showing the method for providing the proxy payment service of the wireless communication charges according to the preferred embodiment of the present invention.
At first, if the credit card user 10 purchases goods or services at the member store 20 using his credit card, the credit card company server 100 receives the credit card transaction information from the member store terminal 50 in step S310. The credit card company server 100 then determines if the member store terminal 50 is a store that has the special contract with the credit card company for the proxy payment of the wireless communication charges in step S315.
The determination of the step S315 can be made by searching a member store database 150.
If the determination is in the affirmative in step S315, the credit card company server 100 sends the credit card transaction information to the proxy payment server 200 in step S320.
The credit card transaction information includes credit card identification information, a time of the credit card transaction, and an amount of the credit card transaction, and preferably, the credit card transaction information further includes the member store identification information. The credit card identification information includes arbitrary information to identify the used credit card account, such as a credit card number. The processor 230 of the proxy payment server 200 receives the credit card transaction information through the first network interface 210 in step S325, then extracts the corresponding user identifier from the user information database 250 and updates the credit card transaction information database 260 in step S330.
To update the credit card transaction information database means to store an amount of the credit card transaction, the time of the credit card transaction, and the calculated accumulated amount of credit card transactions. If the credit card transaction information includes the member store identification information in step S325, it is preferable that the credit card transaction information database 260 further includes the member store identification information.
After updating the credit card use information database 260, the processor 230 determines if the conditions for proxy payment exist in step S335.
The conditions for proxy payment include that a current date is a predetermined chosen date, or that the amount of the credit card transaction is larger than a predetermined amount. Preferably, the conditions for proxy payment include both that the current date is the predetermined date and the amount of the credit card transaction is at least the predetermined amount.
If it is determined that the conditions for proxy payment do not exist in step S335, the procedure ends, and if it is determined that the conditions exist, the processor 230 calculates an amount of the proxy payment for the user in step S340. The calculation of the amount of the proxy payment can be performed in various manners on the basis of the accumulated amount of the credit card transactions. For example, the amount of the proxy payment can be calculated by multiplying the accumulated amount of the credit card transactions by a predetermined rate.
The processor 230 then sends a signal tendering a proxy payment including the wireless communication identification number of the user and the amount of the proxy payment, to the wireless communication charge management server 300 in step S345. The wireless communication charge management server 300 receives the proxy payment tendering signal in step S350, and then subtracts the amount of the proxy payment from the total wireless communication charge of the user in step S355. The wireless communication charge management server 300 then sends a signal corresponding to the result of the proxy payment to the proxy payment server 200 in step S360. The signal corresponding to the result of the proxy payment includes the wireless communication identification number of the user and the amount of the proxy payment.
The processor 230 of the proxy payment server 200 receives the result of the proxy payment through the second network interface in step
S365, and extracts the user identifier corresponding to the wireless communication identification number based on the received result of the proxy payment and updates the credit card transaction information database 260 and the proxy payment result database 270 in step S370. The accumulated amount of the credit card transactions of the credit card transaction information database is updated with a value acquired by subtracting the accumulated amount of money corresponding to the proxy payment from the previous accumulated amount of the credit card transactions, and the proxy payment result database 270 is updated by recording the date of the proxy payment and the amount of the proxy payment.
The proxy payment server 200 then informs the user of the proxy payment for the wireless communication charge of the user in step S375, and the wireless communication charge management server 300 charges the user for the wireless communication charges that are now decreased by the proxy payment in step S380.
In another embodiment of the present invention, the step S375 of informing the user of the proxy payment can be performed by the wireless communication charge management server 300.
According to the present invention, as stated above, the wireless communication user can save on wireless, communication charges, and a use of the wireless communication can be increased. In particular, the wireless communication user can have the wireless communication charges paid without any action, simply by using the credit card. Also, because the credit card use information is stored in the proxy payment server, even when a wrong amount for a credit card transaction is charged because of errors in a credit card company computer system, the wrong tender can be easily detected.

Claims

WHAT IS CLAIMED IS:
1. A method for providing a proxy payment service for wireless communication charges using a credit card company server and a wireless communication charge management server, the method comprising: receiving credit card transaction information of a credit card user from the credit card company server; updating a credit card transaction information database of a wireless communication user corresponding to a wireless communication identification number related to a credit card of the credit card user, using the received credit card transaction information; determining if conditions for proxy payment of wireless communication charges exist; calculating an amount of proxy payment on the basis of data in the credit card transaction information database; and sending a signal tendering a proxy payment corresponding to the calculated amount of proxy payment to the wireless communication charge management server, the signal of proxy payment including the wireless communication identification number and the amount of proxy payment.
2. The method of claim 1 , wherein said determining if conditions for proxy payment of wireless communication charges exist comprises: comparing selected parameters to predetermined values; and determining if conditions for proxy payment of wireless communication charges exist based on the comparison.
3. The method of claim 2, wherein the selected parameters include at least one of a current date and a total amount of a credit card transaction, and the predetermined values include at least one of a predetermined date and a predetermined amount of a credit card transaction.
4. The method of claim 3, wherein each of the parameters must reach the predetermined values for proxy payment conditions to exist on the comparison.
5. The method of claim 1 , wherein the credit card transaction information database includes information on an accumulated amount of credit card transactions, and the amount of proxy payment is calculated in proportion to the accumulated amount of credit card transactions at a predetermined rate.
6. The method of claim 1 , wherein the credit card user is identical to the wireless communication user.
7. The method of claim 1 , wherein the credit card transaction information includes a credit card identification number and an amount of a credit card transaction, and the updated credit card transaction information database includes the credit card transaction information and an accumulated amount of credit card transactions.
8. The method of claim 1 , further comprising receiving a signal corresponding to a result of proxy payment from the wireless communication charge management server after said sending a signal tendering a proxy payment.
9. The method of claim 8, further comprising storing the result of proxy payment after said receiving a signal corresponding to a result of proxy payment.
10. The method of claim 8, further comprising informing the wireless communication user of the result of proxy payment after said receiving a signal corresponding to a result of proxy payment.
11. A server for facilitating a proxy payment of wireless communication charges using a credit card company server and a wireless communication charge management server, the system comprising: a first network interface communicating data with the credit card company server through a first network; a second network interface communicating data with the wireless communication charge management server through a second network; a database including a user information database storing information on a user of a service for the proxy payment of wireless communication charges and a credit card transaction information database storing information on a credit card transaction of the user of the service for the proxy payment; and a processor for managing data communicated through the first and second network interfaces and data stored in the database, wherein the processor performs: receiving credit card transaction information of a credit card user from the credit card company server; updating a credit card transaction information database of a wireless communication user corresponding to a wireless communication identification number related to a credit card of the credit card user, using the received credit card transaction information; determining if conditions for proxy payment of wireless communication charges exist; calculating an amount of proxy payment on the basis of data in the credit card transaction information database; and sending a signal tendering a proxy payment corresponding to the calculated amount of proxy payment to the wireless communication charge management server, the signal of proxy payment including an identification number of the wireless communication user and the amount of proxy payment.
12. The system of claim 11 , wherein said determining if conditions for proxy payment of wireless communication charges exist comprises: comparing selected parameters to predetermined values, the selected parameters including at least one of a current date and a total amount of a credit card transaction, the predetermined values including at least one of a predetermined date and a predetermined amount of a credit card transaction; and determining if conditions for proxy payment of wireless communication charges exist based on the comparison.
13. The server of claim 11 , wherein the credit card transaction information database includes information on an accumulated amount of credit card transactions, and the amount of proxy payment is calculated in proportion to the accumulated amount of credit card transactions at a predetermined rate
14. The server of claim 11 , wherein the credit card user is identical to the wireless communication user.
15. The server of claim 11 , wherein the credit card transaction information includes a credit card identification number and an amount of the credit card transaction; and wherein the updated credit card transaction information database includes the credit card transaction information and the accumulated amount of credit card transactions.
16. The server of claim 11 , wherein the processor further performs receiving a signal corresponding to a result of proxy payment from the wireless communication charge management server after said sending a signal tendering a proxy payment.
17. The server of claim 11 , wherein the first network is identical to the second network, and the first network interface is identical to the second network interface.
18. The server of claim 17, wherein both the first network and the second network are the Internet.
PCT/KR2002/000166 2001-02-05 2002-02-05 Method and system for providing a proxy payment service for wireless communication charges WO2002063526A1 (en)

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