KR20020081832A - Method for charging process using mobile communication device - Google Patents

Abstract

The present invention relates to a payment method, and in particular, in the purchase or use of a service between a buyer and a seller, the seller pays for the product price or the service use price by transmitting the buyer's mobile terminal number through his mobile terminal device. The present invention relates to a payment method using a mobile communication terminal.

In addition, the present invention, when the buyer indicates the purchase intention of the product / service, the seller transmits the phone number and payment amount of the mobile communication terminal of the buyer after paying access to the billing server using his mobile terminal Requesting a first step; The billing server is a second step of transmitting the phone number and the payment amount of the mobile communication terminal of the buyer received by connecting to the mobile carrier billing server and requests for payment; A third step of the mobile carrier billing server confirming payment to the buyer; A fourth step of, when the purchaser confirms the payment in the third step, the mobile communication company server pays the payment to the charging server and notifies the seller of the payment; And the billing server is provided with a billing payment method using a mobile communication terminal comprising a fifth step of paying the bill paid to the seller.

Description

Payment method using mobile terminal {METHOD FOR CHARGING PROCESS USING MOBILE COMMUNICATION DEVICE}

The present invention relates to a payment method, and in particular, in the purchase or use of a service between a buyer and a seller, the seller pays for the product price or the service use price by transmitting the buyer's mobile terminal number through his mobile terminal device. The present invention relates to a payment method using a mobile communication terminal.

Money has been used extensively and for a long time as a payment method between sellers and buyers. Over time, however, the payment of money has been inconvenient for paying large sums or paying for goods in advance and for carrying money over long distances.

Therefore, with the creation of financial institutions and the steady expansion of fixed accounts, draft checks were used as a means of supplementing money.

In addition, as the social structure has been changed into a credit society, credit cards have been widely used, and these credit cards can be used as cash as collateral at any time and any place, which is convenient.

On the other hand, as the Internet has developed recently, the Internet population has been expanded, and the Internet business represented by dot-com companies has developed, it is necessary to develop electronic payment means that can be used in virtual space. And electronic payment means have been developed.

In addition, as the mobile communication terminal was developed and used, a payment method using the mobile communication terminal using the mobility, ease of portability, and easy confirmation of the user has also been developed.

1 is a conceptual diagram of a payment method using a mobile communication terminal according to the prior art.

Referring to the drawings, the payment method using the mobile communication terminal according to the prior art is composed of the interaction of the mobile phone billing system 10, the user 20, the seller 30, the wireless communication company 40.

The payment method using a mobile communication terminal according to the prior art first reveals a user's intention to use a product or service while performing a web surfing by accessing a website providing an information service that the user 20 wants to use. Select Use Mobile Phone Charging from the available payment methods, such as Payment, Mobile Phone Charging.

Next, the seller 30, that is, the seller web server requests the mobile phone billing system 10 to pay the purchase intention of the user 20.

Subsequently, the mobile phone billing system 10 requests the user 20 information necessary for payment, that is, a phone number and a resident registration number of the mobile communication terminal, and the user 20 inputs a phone number and a resident registration number of the mobile communication terminal. When the transmission, the wireless carrier 40 is authenticated for payment.

Next, when the wireless communication company 40 performs payment authentication, the mobile phone billing system 10 generates an approval number and transmits it to the wireless communication company 40, and the wireless communication company 40 transmits the approval number to the user ( 20) send a text message to the mobile phone.

After the user 20 purchases the item by inputting the received approval number, the user 20 adds the mobile phone fee and pays the product price to the wireless communication company 40.

However, the payment method using a credit card is convenient and easy to use, but there is a problem that the issuing procedure is complicated, difficult and easy to lose. In addition, there is a problem in that the process of reissuing a credit card is complicated.

Next, the payment method using the mobile communication terminal according to the prior art is to re-enter the authorization number sent from the website in connection with the website, the user authentication process is complicated to perform, There was a problem that it can not be used.

That is, the payment method using the conventional mobile communication terminal has a problem that the place can be used and the usage method is also complicated.

Accordingly, the present invention has been made to solve the above problems, to provide a method for paying the price using the seller and buyer's mobile communication terminal and phone number in the payment for the use of the product or service. For that purpose.

In addition, the present invention is to provide a payment method using a telecommunications terminal that can provide a variety of payment means at the same time, there is no fear of the burden of cash holding, no credit card issuance procedure, and worry about loss. The purpose.

1 is a conceptual diagram of a payment method using a mobile communication terminal according to the prior art.

2 is a conceptual diagram of a payment method using a mobile communication terminal according to an embodiment of the present invention.

3 is a diagram illustrating a network connection state of a payment method using a mobile communication terminal according to an embodiment of the present invention.

4 is a flowchart illustrating a payment method using a mobile communication terminal according to an embodiment of the present invention.

5 is a flowchart illustrating a payment method using a mobile communication terminal according to another embodiment of the present invention.

<Description of the symbols for the main parts of the drawings>

100: billing server 200: mobile carrier

300: Buyer 400: Seller

510: Seller Cell Phone 520: Buyer Cell Phone

530: base station 540: gateway

550: answering machine 560: internet network

570: Professional Message Service Server 580: Billing Server

According to the present invention for achieving the above object, when the purchaser indicates a purchase intention of a product / service, the seller accesses the billing server using his mobile communication terminal, and then the phone number and payment amount of the mobile communication terminal of the purchaser. A first step of transmitting and requesting payment; The billing server is a second step of transmitting the phone number and the payment amount of the mobile communication terminal of the buyer received by connecting to the mobile carrier billing server and requests for payment; A third step of the mobile carrier billing server confirming payment to the buyer; A fourth step of, when the purchaser confirms the payment in the third step, the mobile communication company server pays the payment to the charging server and notifies the seller of the payment; And the billing server is characterized in that it comprises a fifth step of paying the price paid to the seller.

Now, a preferred embodiment of the present invention will be described in detail with reference to the drawings of FIG. 2.

2 is a conceptual diagram of a payment method using a mobile communication terminal according to an embodiment of the present invention.

Referring to the drawings, the payment method using the mobile communication terminal according to an embodiment of the present invention consists of the interaction of the billing server 100, the mobile carrier 200, the buyer 300, the seller 400.

First, the buyer 300 visits the store of the seller 400 and shops various items, and then communicates a purchase intention when he / she wants to purchase the items. In this case, the seller 400 introduces that the payment is possible using the mobile communication terminal. You can use the flyers as a way to introduce them, or write a letter at the store entrance. The introduction of a written notice at the entrance of the store will be a more effective way to advertise, even if you do not have cash or credit cards in hand.

In any case, the buyer 300 may select cash payment, payment using a credit card, gift certificate, etc. as a payment method after communicating the intention to purchase goods to the seller 400, but here, the purchaser 300 looks at the payment using the mobile communication terminal.

The seller 400 requests the transfer of the phone number of the mobile communication terminal when the purchaser 300 wants to pay the price using the mobile communication terminal.

Next, the buyer 300 transmits the phone number of the mobile communication terminal to the seller 400, accordingly, the seller 400 is connected to the billing server 100 using his mobile communication terminal to move the buyer You will be asked to make a bill to the phone number. Of course, at this time, the seller 300 transmits the information about the selling product name and the number price.

Thereafter, the billing server 100 requests payment to the mobile communication terminal phone number of the purchaser to the mobile communication company 200, and the mobile communication company 200 requests confirmation of the payment request to the mobile communication terminal of the purchaser 300. do.

When the purchaser 300 confirms the contents of the payment request, the mobile service provider 200 performs payment and confirmation on the billing server 100 and the seller 400.

3 is a diagram illustrating a network connection state of a payment method using a mobile communication terminal according to an embodiment of the present invention.

Referring to the drawings, the network connection state of the payment method using the mobile communication terminal according to an embodiment of the present invention is the seller's mobile phone 510, the buyer's mobile phone 520, the base station 530, the gateway 540, automatic response A system 550, an internet network 560, a short message service server 570, and a charging server 580 are provided.

The buyer visits the seller's shop to visit the various products and then displays the seller's intention to purchase. Then, the seller wants to pay by various payment methods and can introduce that there is a simple payment method using a mobile communication terminal as the available payment method.

In any case, the purchaser performs payment using his or her desired payment method among various payment methods. If the buyer wants to pay using the mobile communication terminal, the seller requests the mobile phone terminal number of the buyer.

In addition, the seller is connected to the billing server 580 using his mobile phone 510, which can be accessed through the wireless Internet of the support station 530, the gateway 540, the Internet network 560. have.

In this case, as the wireless Internet used, a WAP, a mobile explorer, or the like may be used, and the billing server 580, which is a web server, may be connected through the gateway 540.

The billing server 580 checks whether the seller wants to pay the bill using the mobile communication terminal, requests the purchaser's mobile phone number to be transmitted, and requests the quantity and amount of goods to be sold. In this case, the identification of the seller may require the transmission of the seller's mobile phone number or may be recognized by tracking the caller's phone number using the caller's phone number tracking service.

The billing server 580 requests the purchaser mobile phone 520 to confirm the payment request through the single message server 570 when the payment request is made from the seller. The buyer may use a swap or mobile explorer or use a text message. You can check the contents.

At this time, the confirmation details are the quantity and amount of goods sold.

On the other hand, the billing server 580 may request the purchaser to confirm the payment request through the automatic response system 550, and accordingly, the buyer may check the purchase contents using the automatic response system 550.

Next, the billing server 580 transmits a confirmation of the content to the seller, and informs the user. In this case, a short message can be used as a usable method.

In this case, the billing server 580 directly confirms the payment request or confirms the contents of the purchaser by using the carrier's single message server 570 or the automatic response system 550. can do.

That is, the billing server 580 notifies the carrier's web server of this fact, and the carrier's web server allows the purchaser to accumulate the amount in advance in the form of a prepaid card, and then the purchase price is within the limit of the accumulated amount. If the check is within the limit, the buyer confirms the payment request and if not, the billing server 580 notifies the fact.

And, within the limit, the mobile carrier web server confirms the payment request to the purchaser's mobile phone 520, if the buyer confirms the contents, pays the corresponding price and informs the charging server 580 and the seller of the fact. .

This method differs from the above method in that 1) the above method enables postpay payment, the second method is to reserve a certain amount in advance, and 2) the above method is performed by the billing server collectively. Second, the payment method is performed by the collaboration between the billing server and the web server of the mobile carrier. 3) The above method does not require the payment and confirmation of the payment from the carrier to the billing server. .

Hereinafter, a method of accumulating a certain amount and performing payment on the accumulated amount will be described.

In addition, the mobile phone terminal number of the buyer and the seller is recognized through a certain service or device, and the mobile phone terminal number of each other is linked and the payment is made, and after indicating the purchase of the goods through the mobile terminal The explanation will be divided into the cases where the intention to pay is paid.

4 is a flowchart illustrating a payment method using a mobile communication terminal according to an embodiment of the present invention.

Referring to the drawings, a payment method using a mobile communication terminal according to an embodiment of the present invention is a case in which the telephone numbers of a mobile communication terminal of a buyer and a seller are linked to each other, and mutual mobile communication through a schedule service or a schedule device. The phone number of the terminal is linked (step S110), and the buyer indicates the intention to purchase a product or service to the seller (step S120). In other words, the phone number of the mobile communication terminal is linked to a case in which the seller and the buyer's mobile communication phone number are linked through a device that is registered as a member or installed in a seller's store.

After that, the purchaser determines whether to use the payment using the mobile communication terminal (step S130), if the payment method is selected by the other payment method to pay the payment with the other payment method, the payment method using the mobile communication terminal If selected, the seller transmits the request for payment of the corresponding product or service fee to the billing server using the mobile communication terminal together with the mobile communication phone number of the associated buyer (step S141).

Next, the billing server using the mobile communication terminal sends a request for payment by transmitting a kind of product or service, a selling amount and quantity, and a telephone number of the buyer's mobile communication terminal to the mobile communication company (step S151).

Thereafter, the mobile carrier determines whether the amount is accumulated enough to make a payment (step S161), and if the mobile communication billing balance is insufficient, the billing balance is insufficient to be paid by another payment method ( Step S172).

On the other hand, as a result of determining whether the amount is accumulated enough to pay the price, if the balance is sufficient, the fact that the payment is paid to the buyer is confirmed (step S171), the buyer checks whether the amount or the like (step S181).

If the amount is incorrect, the buyer has to reenter the amount to the seller (step S192), and then repeats from the process of determining whether the amount is accumulated so that the payment can be made in step S161 when the seller re-enters the amount. Perform.

If the purchaser confirms that the amount is correct (step S191), the mobile carrier pays the sale amount to the billing server (usually using a direct debit method such as another line transfer), and the buyer's balance is paid to the billing server. The amount is treated as a balance, and the seller confirms the payment (step S201), and uses the product or service.

Of course, the billing server uses a variety of different payment methods to pay the sales amount to the seller.

5 is a flowchart illustrating a payment method using a mobile communication terminal according to another embodiment of the present invention.

Referring to the drawings, the payment method using the mobile communication terminal according to another embodiment of the present invention is a case in which the two mobile communication telephone numbers are not linked to each other because the purchaser does not go through the service or the device before the purchase, and the buyer gives the product to the seller. Or indicate the purchase of the service (step S310), and determine whether to use the payment using the mobile communication terminal (step S320), if the payment method is selected as another payment method to pay the payment with another payment method, When the payment method is selected using the communication terminal, the seller transmits the request for payment of the corresponding product or service fee to the billing server using the mobile communication terminal together with the mobile communication telephone number of the associated buyer (step S331).

Next, the billing server using the mobile communication terminal sends a request to the mobile communication company for payment by transmitting the kind of product or service, the selling amount and quantity, and the telephone number of the buyer's mobile communication terminal (step S341).

Thereafter, the mobile carrier determines whether the amount is accumulated enough to make a payment (step S351), and if the mobile communication billing balance is insufficient, the billing balance is insufficient to be paid by another payment method ( Step S361).

On the other hand, as a result of determining whether the amount is accumulated enough to pay the price, if the balance is sufficient, the fact that the payment is paid to the buyer is confirmed (step S371), and the buyer checks whether the amount is true (step S371).

If the amount is incorrect, the buyer has to reenter the amount to the seller (step S382), and then repeats from the process of determining whether the amount is accumulated so that the payment can be made in step S351 when the seller re-enters the amount and sends it. Perform.

If the purchaser confirms that the amount is correct (step S381), the mobile carrier pays the sale amount to the billing server (usually using a direct debit method such as cross-border transfer), and the buyer's balance is paid to the billing server. The amount is processed as a balance, and the seller confirms the payment (step S391), and uses the product or service.

Of course, the billing server uses a variety of different payment methods to pay the sales amount to the seller.

Although the present invention has been described in detail with reference to preferred embodiments, the scope of the present invention is not limited to the specific embodiments, and should be interpreted by the appended claims.

According to the present invention as described above there is an effect to pay the price using the phone number of the mobile communication terminal between the seller and the buyer in using the product or service.

In addition, according to the present invention there is an effect that it is possible to provide a payment means that can reduce the burden of cash holding or fear of loss, credit card issuance and loss concerns.

Claims (8)

When the purchaser indicates the purchase intention of the product / service, the seller transfers the telephone number and payment amount of the purchaser's mobile terminal and requests the payment after accessing the billing server using the mobile terminal. ; The billing server is a second step of transmitting the phone number and the payment amount of the mobile communication terminal of the buyer received by connecting to the mobile carrier billing server and requests for payment; A third step of the mobile carrier billing server confirming payment to the buyer; A fourth step of, when the purchaser confirms the payment in the third step, the mobile communication company server pays the payment to the charging server and notifies the seller of the payment; And The billing server billing method using a mobile communication terminal comprising a fifth step of paying the bill paid to the seller. The method of claim 1, The first step is Step 1-1 of associating a telephone number of the mobile communication terminal of the buyer and the seller using a service and a device; If the purchaser indicates the intention to use the product / service, the seller connects the billing server to the billing server using his / her mobile communication terminal; And And a seller transmitting the phone number and the payment amount of the purchaser's mobile communication terminal to the billing server. The method of claim 1, The first step is, Step 1-1 of receiving the phone number of the mobile communication terminal from the buyer when the buyer indicates the intention to use the product / service; A first step 1-2 in which the seller accesses the billing server using his mobile communication terminal; And And a seller transmitting the phone number and the payment amount of the purchaser's mobile communication terminal to the billing server. The method of claim 1, The seller pays billing method using a mobile communication terminal, characterized in that for accessing the billing server through the wireless Internet. The method according to claim 1, wherein The third step is The mobile carrier billing server determining whether the vault balance of the buyer is sufficient for payment; As a result of the step 3-1, if the payment is not sufficient, step 3-2 of notifying the billing server that payment is impossible and allowing the buyer to use another payment means; And As a result of the determination in step 3-1, the payment method using the mobile communication terminal comprising the step 3-3 of confirming the payment to the buyer if the payment is sufficient. The method of claim 5, Checking the payment to the buyer in the step 3-3 is a payment method using a mobile communication terminal, characterized in that for confirming using an automatic response system. The method of claim 5, Checking the payment to the buyer in the step 3-3 is a payment method using a mobile communication terminal, characterized in that by using a single message service. The method of claim 5, Step 3-3, Transmitting, by the mobile carrier billing server, a billing fact to the buyer's mobile communication terminal; When the purchaser confirms the payment and requests retransmission of the payment, the mobile carrier billing server requesting the seller to re-enter the payment amount through the charging server; And When the seller re-enters the payment amount, the payment method using a mobile communication terminal comprising the step of performing repeatedly from the step 3-1.