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KR101134272B1 - Fee reporting method using mobile station - Google Patents

Fee reporting method using mobile station Download PDF

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KR101134272B1
KR101134272B1 KR1020080112385A KR20080112385A KR101134272B1 KR 101134272 B1 KR101134272 B1 KR 101134272B1 KR 1020080112385 A KR1020080112385 A KR 1020080112385A KR 20080112385 A KR20080112385 A KR 20080112385A KR 101134272 B1 KR101134272 B1 KR 101134272B1
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mobile communication
communication terminal
message
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KR20100053325A (en
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송은솔
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    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04W—WIRELESS COMMUNICATION NETWORKS
    • H04W4/00—Services specially adapted for wireless communication networks; Facilities therefor
    • H04W4/24—Accounting or billing
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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
    • G06Q10/00—Administration; Management
    • G06Q10/10—Office automation; Time management
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L12/00—Data switching networks
    • H04L12/02—Details
    • H04L12/14—Charging, metering or billing arrangements for data wireline or wireless communications
    • H04L12/1428—Invoice generation, e.g. customization, lay-out, database processing, algorithms for calculating the bill or formatting invoices as WWW pages
    • 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
    • H04M15/00—Arrangements for metering, time-control or time indication ; Metering, charging or billing arrangements for voice wireline or wireless communications, e.g. VoIP
    • H04M15/83—Notification aspects
    • H04M15/84—Types of notifications
    • H04M15/844—Message, e.g. SMS
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04W—WIRELESS COMMUNICATION NETWORKS
    • H04W4/00—Services specially adapted for wireless communication networks; Facilities therefor
    • H04W4/12—Messaging; Mailboxes; Announcements
    • H04W4/14—Short messaging services, e.g. short message services [SMS] or unstructured supplementary service data [USSD]

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Abstract

본 발명은 이동통신 단말기를 이용한 결제요금통보방법에 관한 것으로, 구체적으로는 각종 통신회사, 금융기관, 관리회사, 상거래 및 개인 등이 이동통신사의 서버 상에 마련된 청구서 폼을 다운로드 하고, 다운로드 후 결제내역을 작성한 뒤, 결제요청이 필요한 사용자에게 청구서를 전송하는 이동통신 단말기를 이용한 결제요금통보방법에 관한 것이다. The present invention relates to a payment fee notification method using a mobile communication terminal, and in particular, various communication companies, financial institutions, management companies, commerce and individuals to download the invoice form provided on the server of the mobile communication company, the payment after downloading The present invention relates to a payment fee notification method using a mobile communication terminal which transmits an invoice to a user who needs a payment request after writing the details.

본 발명은 결제청구업체의 업종에 따라 각기 다른 메뉴를 선택하는 메뉴 선택단계, 상기 선택한 메뉴에 사용자가 결제할 내용을 메시지로 작성하는 결제내역메시지 작성 단계, 상기 작성된 메시지를 사용자가 사용하는 이동통신사로 발송하는 이동통신사에 발송단계, 상기 이동통신사는 결제할 내역이 작성된 메시지를 사용자에게 전송하는 사용자에게 발신단계, 상기 발신한 메시지를 사용자가 수신하는 사용자 수신단계, 상기 수신된 메시지를 사용자가 본인의 단말기를 통해 확인하는 사용자 확인단계를 포함한다.The present invention provides a menu selection step of selecting different menus according to the type of payment billing company, a payment history message writing step of writing contents to be paid by the user in the selected menu as a message, and a mobile communication company using the created message. Sending to a mobile carrier to send to the mobile terminal, the mobile operator to send a message to the user with a history of the payment is made to the user, the user receiving step of receiving the message sent by the user, the user receives the received message The user confirmation step of confirming through the terminal.

본 발명의 이동통신 단말기를 이용한 결제요금통보방법에 의하면, 일정하게 규격화된 폼을 이동통신사의 서버로부터 다운로드하여 휴대폰 및 PC에 저장하고, 필요에 따라 상기 저장된 폼을 불러들여 청구요청을 위한 결제내역을 작성하는 큰 효과가 있는 것이다. According to the payment fee notification method using the mobile communication terminal of the present invention, the form of the standardized form is downloaded from the server of the mobile communication company and stored in the mobile phone and PC, and if necessary, the stored payment history for the request for the call request It is a great effect to write.

이동통신 단말기, 결제요금, 통보시스템 Mobile terminal, payment fee, notification system

Description

이동통신 단말기를 이용한 결제요금통보방법{Fee reporting method using mobile station}Payment reporting method using mobile communication terminal {Fee reporting method using mobile station}

본 발명은 이동통신 단말기를 이용한 결제요금통보방법에 관한 것으로, 구체적으로는 각종 통신회사, 금융기관, 관리회사, 상거래 및 개인 등이 이동통신사의 서버 상에 마련된 청구서 폼을 다운로드 하고, 다운로드 후 결제내역을 작성한 뒤, 결제요청이 필요한 사용자에게 청구서를 전송하는 이동통신 단말기를 이용한 결제요금통보방법에 관한 것이다. The present invention relates to a payment fee notification method using a mobile communication terminal, and in particular, various communication companies, financial institutions, management companies, commerce and individuals to download the invoice form provided on the server of the mobile communication company, the payment after downloading The present invention relates to a payment fee notification method using a mobile communication terminal which transmits an invoice to a user who needs a payment request after writing the details.

최근 이동통신 회사가 경쟁적으로 모바일 뱅킹 서비스를 제공하면서 이제 이동통신 단말기는 플러그 인(plug-in) 형태의 카드를 장착할 수 있는 소켓을 갖추고 있으며, 금융권에서 발급하는 모바일 뱅킹 칩을 발급 받은 모바일 뱅킹 가입자는 상기 칩을 상기 이동통신 단말기의 소켓에 장착하여 사용하고 있다. 상기한 칩에는 모바일 뱅킹 외에도 본인이 소지한 신용카드와 연계하여 단말기에 삽입된 칩으로 신용카드의 기능을 하고 있다.Recently, mobile communication companies have competitively provided mobile banking services, and now mobile terminals have sockets for plug-in type cards, and mobile banking issued mobile banking chips issued by financial institutions. The subscriber is using the chip mounted in the socket of the mobile communication terminal. In addition to mobile banking, the chip has a function of a credit card inserted into a terminal in connection with a credit card owned by the user.

그러나 상기한 이동통신 단말기를 이용한 결제시스템은 모바일 뱅킹 및 신용카드 결제 등 극히 소수의 결제에만 활용이 되는 불편함이 있었다. However, the payment system using the mobile communication terminal was inconvenient to be used for only a very few payments such as mobile banking and credit card payment.

또한, 개개인끼리의 소액의 금액을 송금할 경우에도, 송금자는 직접 은행을 방문하거나, 인터넷에 접속하여 금액을 송금해야 되고, 또한, 청구자는 송금을 요청할 때 마다 일일이 본인의 계좌번호를 찍어서 상대방에게 보내야 되는 불편함이 있었다. In addition, even when a small amount of money is transferred between individuals, the remitter must visit the bank in person or access the Internet to transfer the money.In addition, the claimant prints his / her account number every time he requests a remittance. There was an inconvenience to send.

본 발명은 상기와 같은 문제점을 해결하기 위해 발명된 것으로, 그 목적은 이동통신사의 서버에 저장된 폼을 사용자에게 청구요청이 필요한 기관이나 회사 및 개인 또는 전자상거래에서 규격화된 폼을 다운로드하여 휴대폰 또는 PC에 저장하고, 필요에 따라 상기 저장된 폼을 탐색하여 청구요청을 위한 결제내역을 작성할 수 있는 이동통신 단말기를 이용한 결제요금통보방법을 제공하는데 그 목적이 있다.The present invention has been invented to solve the above problems, the object of which is to download a standardized form from the institution or company and individuals or e-commerce that requires the user to request a form stored in the server of the mobile communication carrier or PC It is an object of the present invention to provide a billing fee notification method using a mobile communication terminal that can be stored in, and if necessary, to search for the stored form to create a billing history for the request.

상기한 기술적 과제를 달성하기 위한 본 발명은 결제청구업체의 업종에 따라 각기 다른 메뉴를 선택하는 메뉴 선택단계(S11), 상기 선택한 메뉴에 사용자가 결제할 내용을 메시지로 작성하는 결제내역메시지 작성 단계(S12), 상기 작성된 메시지를 사용자가 사용하는 이동통신사로 발송하는 이동통신사에 발송단계(S13), 상기 이동통신사는 결제할 내역이 작성된 메시지를 사용자에게 전송하는 사용자에게 발신단계(S14), 상기 발신한 메시지를 사용자가 수신하는 사용자 수신단계(S15), 상기 수신된 메시지를 사용자가 본인의 단말기를 통해 확인하는 사용자 확인단 계(S16)를 포함한다.The present invention for achieving the above technical problem is a menu selection step of selecting a different menu according to the industry of the billing company (S11), the billing history message creation step of creating a content to be paid by the user in the selected menu as a message (S12), the step of sending to the mobile carrier to send the created message to the mobile carrier used by the user (S13), the mobile carrier is sending a message to the user to write the details of the payment to the user step (S14), the A user receiving step (S15) of receiving a message sent by the user, and a user confirmation step (S16) of checking the received message through the user's own terminal.

일 실시예에 있어서, 상기 사용자 확인 단계(S15)를 마친 후 결제를 판단하는 단계(S16) 및 사용자가 결제를 진행하는 결제 단계(S17)를 더 포함한다.In an exemplary embodiment, the method may further include a step S16 of determining a payment after completing the user verification step S15 and a payment step S17 in which the user makes a payment.

상기 결제를 판단(S16)하고 결제 단계(S17)에서 결제를 청구한 결제계좌 및 결제은행이 자동으로 표시되는 것을 특징으로 한다. The payment is determined (S16) and the payment account and the payment bank that charged in the payment step (S17) is characterized in that automatically displayed.

일 실시예에 있어서, 상기 결제내역 작성단계(S12)는, 이동통신 단말기나 PC를 이용하여 작성하는 것을 특징으로 한다. In one embodiment, the payment history creation step (S12), characterized in that the creation using a mobile communication terminal or a PC.

일 실시예에 있어서, 상기 사용자 수신단계(S14)는, 최초에 수신자가 결제금액만을 확인할 수 있는 메시지가 더 추가되는 것을 특징으로 한다.In one embodiment, the user receiving step (S14), characterized in that the first additional message that allows the recipient to confirm only the payment amount.

본 발명의 이동통신 단말기를 이용한 결제요금통보방법에 의하면, 일정하게 규격화된 폼을 이동통신사의 서버로부터 다운로드하여 휴대폰 및 PC에 저장하고, 필요에 따라 상기 저장된 폼을 불러들여 청구요청을 위한 결제내역을 작성하는 큰 효과가 있는 것이다. According to the payment fee notification method using the mobile communication terminal of the present invention, the form of the standardized form is downloaded from the server of the mobile communication company and stored in the mobile phone and PC, and if necessary, the stored payment history for the request for the call request It is a great effect to write.

본 발명을 충분히 이해하기 위해서 본 발명의 바람직한 실시예를 첨부 도면을 참조하여 설명한다. 본 발명의 실시예는 여러 가지 형태로 변형될 수 있으며, 본 발명의 범위가 아래에서 상세히 설명하는 실시예로 한정되는 것으로 해석되어서는 안 된다. 본 실시예는 당업계에서 통상적인 지식을 가진 자에게 본 발명을 보다 완전하게 설명하기 위해서 제공 되어지는 것이다. 각 도면에서 동일한 부재는 동일 한 참조부호로 도시한 경우가 있음을 유의하여야 한다. 본 발명의 요지를 불필요하게 흐릴 수 있다고 판단되는 공지 기능 및 구성에 대한 상세한 기술은 생략된다.In order to fully understand the present invention, preferred embodiments of the present invention will be described with reference to the accompanying drawings. Embodiment of the present invention may be modified in various forms, the scope of the invention should not be construed as limited to the embodiments described in detail below. This embodiment is provided to more completely explain the present invention to those skilled in the art. It should be noted that the same members in each drawing are sometimes shown with the same reference numerals. Detailed descriptions of well-known functions and constructions which may be unnecessarily obscured by the gist of the present invention are omitted.

이하, 첨부된 도면을 참조하여 본 발명의 바람직한 실시예를 설명함으로써, 본 발명의 이동통신 단말기를 이용한 결제요금통보방법을 상세히 설명한다. Hereinafter, with reference to the accompanying drawings illustrating a preferred embodiment of the present invention, a payment fee notification method using a mobile communication terminal of the present invention will be described in detail.

도 1은 본 발명의 이동통신 단말기를 이용한 결제요금통보시스템의 구성을 개략적으로 나타낸 도면이고, 도 2는 본 발명의 이동통신 단말기를 이용한 결제요금통보방법을 이용하는 순서도이며, 도 3은 이동통신 단말기를 나타낸 도면이고, 도 4는 청구서를 나타낸 도면이며, 도 5는 도 4의 청구서에 대한 상세내역을 나타낸 도면이고, 도 6은 도 5의 청구서에 대한 다른 업체에 관한 상세내역을 나타낸 도면이다. 1 is a view schematically showing the configuration of a billing billing system using a mobile communication terminal of the present invention, Figure 2 is a flow chart using a billing billing method using a mobile communication terminal of the present invention, Figure 3 is a mobile communication terminal Figure 4 is a view showing the bill, Figure 5 is a view showing the details of the bill of Figure 4, Figure 6 is a view showing the details of another company for the bill of Figure 5.

도 1 내지 도 2에 도시된 바와 같이, 우선 각각의 결제청구를 위한 각 기관 및 개인(10)은 이동통신사(20)의 서버에 이미 저장된 청구서 폼을 다운로드 하여 각 기관 및 개개인의 이동통신 단말기 또는 PC로 저장을 하게 된다.(S11)1 and 2, first, each institution and individual 10 for each billing request downloads the invoice form already stored in the server of the mobile telecommunication company 20 and the mobile communication terminal of each institution and individual or Save to PC (S11)

상기와 같이 저장된 폼은 각 기관 및 개인(10)이 상대방에게 결제를 요청이 필요할 경우 이동통신 단말기 또는 PC에 저장된 폼을 불러들여 상대방에게 요청할 금액 및 결제내역을 작성하게 된다.(S12)If the form stored as described above is requested by each institution and the individual 10 to request the payment to the other party, the form stored in the mobile communication terminal or PC to fill the amount and payment details to request the other party (S12).

상기와 같이 기재된 내용의 청구서(51)는 사용자 단말기(30)로 그 내역을 전송하게 되고(S13), 상기와 같이 전송된 메시지는 도 3 내지 도 4에 도시된 바와 같이 문자 메시지로 사용자 단말기(30)의 메시지 창(50)으로 청구서가 도착하게 된다.(S14)The invoice 51 of the above-described contents is transmitted to the user terminal 30 (S13), and the message transmitted as described above is a text message as shown in FIGS. The bill arrives in the message window 50 of 30. (S14).

상기와 같이 메시지 창(50)에 도착된 청구서에 관한 메시지는 사용자가 확인하고, 청구서(51)를 확인하게 된다.(S15) As described above, the message regarding the invoice arrived at the message window 50 is confirmed by the user, and the invoice 51 is confirmed (S15).

그리고 도 5에 도시된 바와 같이, 사용자는 본인이 사용한 내역 내지는 송금할 금액의 상세내역을 청구내역1(52) 확인 메뉴로 이동하여 보다 더 자세히 확인할 수 있다.And, as shown in Figure 5, the user can check the details of the details used or the amount of money to be transferred to the billing history 1 (52) confirmation menu in more detail.

상기와 같이 상세내역을 조회한 후, 사용자는 본인 계좌의 잔고를 확인한 후 결제를 판단하게 된다.(S16)After querying the details as described above, the user checks the balance of his account and then determines the payment. (S16)

상기와 같이 사용자 본인계좌에 결제액이 예치되어 있는 경우 사용자는 결제를 진행하게 되고(S17), 상세내역을 확인만 하고 종료를 할 수도 있는 것이다. If the payment amount is deposited in the user's own account as described above, the user proceeds to the payment (S17), it is possible to check only the details and end.

만일, 사용자가 결제를 원할 경우 결제 진행단계로 이동하게 되고 결제진행단계로 이동시 결제요청사의 결제은행 계좌 등을 다시 입력할 필요 없이 자동으로 표시되는 것이다. If the user wants to make a payment, the user moves to the payment progress step and is automatically displayed without having to re-enter the payment bank account of the payment requester when moving to the payment progress step.

또한, 일반 결제청구업체 외에도 매달 건물의 관리비를 지불해야 되는 관리업체에서도 상기와 같은 청구서 발송용 메시지를 이용할 수 있다. 도 6에 도시된 바와 같이, 아파트 및 사무실 등의 매월 지불해야 할 관리비 및 기타 사용료를 일일이 종이 등의 고지용지를 이용하지 않고 바로 이동통신 단말기로 그 내역을 보낼 수 있고, 사용자는 청구내역2(53)를 확인할 수 있는 것이다. 또한, 상기한 관리비 및 시타 사용료 외에도 일반적인 상거래에서도 상기와 같은 청구내역을 통한 거래도 가능한 것이다.In addition, in addition to the general billing companies, the management company that has to pay the management fee of the building every month can use the above billing message. As shown in FIG. 6, the management fees and other fees to be paid monthly such as apartments and offices can be sent directly to the mobile communication terminal without using paper sheets such as paper, and the user can use the billing history 2 ( 53). In addition, in addition to the administrative fee and theta fee, it is also possible to transact through the above billing in general commerce.

한편, 상기한 결제의 수단은 은행잔고를 확인하여, 모바일 뱅킹을 할 수도 있는 것이고, 사용자는 본인 게좌에 결제액이 예치되어 있지 않을 경우에도 사용자 단말기(30)에 내장된 칩에 입력된 신용카드 정보를 이용하여 신용카드로 결제도 가능한 것이다. On the other hand, the above means of payment is to check the bank balance, mobile banking, and the user, even if the payment amount is not deposited in your account credit card information entered in the chip embedded in the user terminal 30 You can also pay with a credit card.

도 7은 사용자에게 결제금액을 알려주는 메시지를 나타낸 도면이다. 7 is a diagram illustrating a message informing a user of a payment amount.

결제청구기관에서는 도 4에 도시된 바와 같이 바로 청구서 내역을 발송할 수도 있지만, 도 7에 도시된 바와 같이 사용자에게 바로 청구내역을 보내지 않고 결제금액만을 제시한 통보메시지(54)를 보내고, 이후에 사용자가 상기한 통보메시지(54)를 확인한 후에 청구내역을 확인할 수도 있는 것이다. The billing authority may send the bill details immediately as shown in FIG. 4, but as shown in FIG. 7, a notification message 54 showing only the payment amount is not sent to the user, and then the user is sent. After confirming the above notification message 54, the claim may be confirmed.

이상에서 설명된 본 발명의 이동통신 단말기를 이용한 결제요금통보방법의 실시예는 예시적인 것에 불과하며, 본 발명이 속한 기술분야의 통상의 지식을 가진 자라면 이로부터 다양한 변형 및 균등한 타 실시예가 가능하다는 점을 잘 알 수 있을 것이다. 그러므로 본 발명은 상기의 상세한 설명에서 언급되는 형태로만 한정되는 것은 아님을 잘 이해할 수 있을 것이다. 따라서 본 발명의 진정한 기술적 보호 범위는 첨부된 특허청구범위의 기술적 사상에 의해 정해져야 할 것이다. 또한, 본 발명은 첨부된 청구범위에 의해 정의되는 본 발명의 정신과 그 범위 내에 있는 모든 변형물과 균등물 및 대체물을 포함하는 것으로 이해되어야 한다.The embodiment of the payment fee notification method using the mobile communication terminal of the present invention described above is merely exemplary, and those skilled in the art to which the present invention pertains have various modifications and other equivalent embodiments. You can see that it is possible. Therefore, it will be understood that the present invention is not limited to the forms mentioned in the above detailed description. Therefore, the true technical protection scope of the present invention will be defined by the technical spirit of the appended claims. It is also to be understood that the present invention includes all modifications, equivalents, and substitutes within the spirit and scope of the invention as defined by the appended claims.

본 발명에 의한 이동통신 단말기를 이용한 결제요금통보방법은 상술한 결제청구업체 및 개인에 국한되지 않고, 상거래를 이용한 거래에서도 이동통신 단말기를 이용한 결제시스템을 이용할 수 있다.Payment billing method using a mobile communication terminal according to the present invention is not limited to the billing companies and individuals described above, it is also possible to use a payment system using a mobile communication terminal in transactions using commerce.

도 1은 본 발명의 이동통신 단말기를 이용한 결제요금통보시스템의 구성을 개략적으로 나타낸 도면이다. 1 is a view schematically showing the configuration of a payment fee notification system using a mobile communication terminal of the present invention.

도 2는 본 발명의 이동통신 단말기를 이용한 결제요금통보방법을 이용하는 순서도이다. 2 is a flow chart using a payment fee notification method using a mobile communication terminal of the present invention.

도 3은 이동통신 단말기를 나타낸 도면이다.3 is a diagram illustrating a mobile communication terminal.

도 4는 청구서를 나타낸 도면이다. 4 shows the invoice.

도 5는 도 4의 청구서에 대한 상세내역을 나타낸 도면이다.5 is a view showing the details of the bill of FIG.

도 6은 도 5의 청구서에 대한 다른 업체에 관한 상세내역을 나타낸 도면이다.6 is a view showing the details of the other companies to the bill of FIG.

도 7은 사용자에게 결제금액을 알려주는 메시지를 나타낸 도면이다. 7 is a diagram illustrating a message informing a user of a payment amount.

<도면의 주요 부분에 대한 부호의 설명><Explanation of symbols for the main parts of the drawings>

10 : 기관 및 개인 20 : 이동통신사10: institutions and individuals 20: mobile operators

30 : 사용자 단말기 40 : 본인계좌30: user terminal 40: own account

50 : 메시지 창 51 : 청구서50: Message Window 51: Invoice

52 : 청구내역1 53 : 청구내역252: Billing History 1 53: Billing History 2

54 : 통보메시지54: notification message

Claims (5)

결제청구업체 또는 개인이 이동통신 단말기나 PC를 이용하여 이동통신사의 서버에 접속해서 청구서 폼을 다운받고 저장하는 폼 다운 단계; A form down step in which a billing company or an individual downloads and stores an invoice form by accessing a server of a mobile communication company using a mobile communication terminal or a PC; 이동통신 단말기나 PC에서 상기 다운받은 폼을 불러들여 상대방에게 청구할 결제 내역을 작성하는 결제내역 작성단계; A payment history creation step of filling out the downloaded form from a mobile communication terminal or a PC and writing a payment history to be charged to the other party; 상기 결제내역이 작성된 청구서를 사용자의 이동통신 단말기에 문자메시지 형태로 발신하는 사용자에게 발신단계; Sending the bill to the user for sending the bill in the form of a text message to the mobile communication terminal of the user has been created; 상기 사용자에게 발신한 문자메시지를 사용자의 이동통신 단말기에서 수신하는 사용자 수신단계;A user receiving step of receiving a text message sent to the user in a mobile communication terminal of the user; 상기 수신된 문자메시지를 사용자의 이동통신 단말기를 통해 확인하는 사용자 확인단계;A user confirmation step of confirming the received text message through a mobile communication terminal of a user; 상기 사용자 확인단계를 마친 뒤 은행 잔고를 확인하여 결제를 판단하는 단계 및 사용자가 결제를 진행하는 결제 단계; 및 Determining a payment by checking a bank balance after the user verification step and a payment step in which the user makes a payment; And 상기 사용자 확인단계를 마친 뒤 사용자 계좌의 잔고가 상기 결제 내역의 결제금액 이상인 경우 결제되고, 상기 잔고가 상기 결제금액 미만인 경우 이동통신단말기의 내장된 칩에 입력된 신용카드 정보를 통한 신용카드 결제가 이루어지는 결제 단계를 포함하는 것을 특징으로 하는 이동통신 단말기를 이용한 결제요금통보방법. After the user verification step, if the balance of the user account is more than the payment amount of the payment history, the payment is made; if the balance is less than the payment amount, the credit card payment through the credit card information entered into the embedded chip of the mobile communication terminal Payment billing method using a mobile communication terminal, characterized in that it comprises a payment step made. 삭제delete 제1 항에 있어서, The method according to claim 1, 상기 결제 단계에서 결제를 청구한 결제계좌 및 결제은행이 자동으로 표시되는 것을 특징으로 하는 이동통신 단말기를 이용한 결제요금통보방법.Payment billing method using a mobile communication terminal, characterized in that the billing account and the billing bank automatically charged in the payment step is displayed. 삭제delete 제1 항에 있어서, The method according to claim 1, 상기 사용자 수신단계는, The user receiving step, 최초에 수신자가 결제금액만을 확인할 수 있는 문자메시지가 더 추가되는 것을 특징으로 하는 이동통신 단말기를 이용한 결제요금통보방법. First, the billing fee notification method using a mobile communication terminal, characterized in that additional text message that can be confirmed only the payment amount by the receiver.
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