KR20030080349A - A settlement system and a method using a telephone number - Google Patents

Abstract

PURPOSE: A system and a method for settlement using a telephone number are provided to process the settlement conveniently and safely by generating and using a certification number for each transaction. CONSTITUTION: A communication processor(601) controls the communication with a communication network. A certification server(215) stores the settlement telephone number, the certification number, and the order information transmitted from a call center and an Internet site server in an internal certification database, and checks the settlement telephone number by a blacklist and the settlement limit information. A voice processor(603) informs an order rejection if disqualification is existed, and requests the certification number input to the settlement telephone number if not. A central processor(602) makes a telephone settlement system compare the certification number inputted from the user with the stored certification number, and informs the call center and the Internet site server of the approval if a comparison result is agreed.

Description

Payment system and method using a phone number {A settlement system and a method using a telephone number}

The present invention relates to a payment system and method using a phone number, and to a payment system and method using a phone number that allows a user to easily make a small payment using a phone number through the Internet or a call center.

Recently, due to the spread of the Internet and high-speed network, a large number of people are making purchases using the Internet, and purchase order / sale over the telephone is also an active commerce method.

In general, credit card payment is widely used as a method for purchasing and paying a small amount of goods on an internet paid content site or a shopping mall. However, such a credit card payment is required credit card, there is a very large burden of loss of the annual fee as well as the loss.

As a solution to this problem, a payment method using a wired / wireless phone number has been introduced and utilized. When the buyer presents the payment phone number, the service provider authenticates the proposed payment phone number. It is a method of assigning an authentication or authentication number by sending an authentication number through a short massage service) or by making a specific ARS (Auto response system) number to make a call.

However, such an operator-generated authentication number assignment method may cause a problem such as a billing error when the number generation algorithm leaks or the pre-generated number is leaked, and the user must remember and enter the number generated and notified by the operator. There is discomfort in.

In addition, in the case of a wired network connection in which a short service cannot be transmitted, there is an inconvenience in that the user needs to make a call to a designated number, and the call fee is burdened accordingly, and there is an inconvenience in that the user writes or remembers the number to be called and inputs it online.

In addition, this method is separate from the purchase order process and the authentication department, so in the case of a telephone order that is not online, that is, when using this method for a telephone order, the user places an order number by phone and receives the order number. When you hang up and wait for the next call, the number is sent to the micropayment provider system, and the micropayment system dials the payment number and sends you a verification number, which you write down and then call the phone orderer again. It is very difficult to use because it has to go through the cumbersome procedure of re-entering the authentication number with the order number in the system.

Therefore, the technical problem to be achieved by the present invention is to solve the conventional inconvenience, contrary to the conventional method in which the operator generates the authentication number and sends it to the buyer, the user purchases the user's authentication number is changed by each transaction, the number or It is to provide a payment system and method using a phone number to solve the problem of security and to simplify the process of payment processing by generating a combination of letters used for authentication.

1 is a diagram illustrating an entire network of a payment system using a phone number according to an embodiment of the present invention.

2 is a flowchart illustrating an overall operation of a payment method using a telephone number according to the first embodiment of the present invention.

3 is a detailed operation flowchart of a payment method using a phone number according to the first embodiment of the present invention.

4 is a diagram illustrating an online order processing screen.

5 is a screen showing an online telephone payment wizard window.

6 shows the internal configuration of the telephone payment system.

7 is an operation flowchart showing in more detail the authentication processing procedure by the telephone payment system.

8 is an overall operation flowchart of a payment method using a phone number according to the second embodiment of the present invention.

9 is a detailed operation flowchart of a payment method using a phone number according to the second embodiment of the present invention.

10 is a flowchart illustrating a process of placing an order using the telemarketing call center.

* Description of main parts of drawing *

102: communication gateway 500: telephone payment system

105: billing system 101: wired and wireless communication network

107: Internet network

Payment system using a phone number according to a feature of the present invention for achieving the technical problem,

Payment system that handles payment of Internet site server and call center through user's telephone number through internet and telephone order.

A communication processor for controlling communication with a communication network;

Authentication for storing the payment phone number, authentication number and order information transmitted from the call center and the Internet site server in the internal authentication DB, and comparing the payment phone number with the reason for the disqualification from the pre-stored blacklist and payment limit information for each phone number. server;

If the payment phone number is disqualified for payment from the authentication result of the authentication server, call the payment phone number to notify the order rejection, and if the payment phone number does not have the reason for the payment, the telephone payment system calls the payment phone number. A voice processing device for requesting input of an authentication number;

When the user enters the authentication number, the telephone payment system compares the entered authentication number with the stored authentication number. If the comparison result is identical, the telephone payment system notifies the call center and the Internet site server of various commands in the system. And a central processing unit for processing.

Payment method using a phone number according to a feature of the present invention for achieving the technical problem,

In the method of processing the payment of a telephone order using a telephone number,

A first step in which a user accesses a call center, selects a product, and selects telephone number payment as a payment method, and receives an authentication number consisting of a wired / wireless telephone number for payment and an arbitrary number combination through an automatic answering system;

A second step of storing, by the Internet site server in its own DB, the payment phone number, authentication number and order information input by the user to a telephone payment system;

The telephone payment system stores the payment phone number, the authentication number, and the order information transmitted in the telephone payment system internal authentication database, and compares the payment phone number with the reason for disqualification from the pre-stored blacklist and payment limit information for each phone number. Three steps;

A fourth step in which the telephone payment system calls the payment telephone number and notifies the order rejection if the payment telephone number has a reason for disqualification of the payment;

A fifth step in which the telephone payment system calls the payment telephone number and requests the authentication number input if the payment telephone number has no reason for disqualification;

A sixth step of, when the user inputs an authentication number, the telephone payment system comparing the input authentication number with the stored authentication number;

A seventh step of notifying the call center of the approval by the telephone payment system when the verification numbers match with the comparison result;

If the comparison number does not match, the telephone payment system includes an eighth step of notifying the call center of the rejection.

Payment method using a phone number according to another feature of the present invention for achieving the technical problem,

In the method of processing a micro payment of an online order using a telephone number,

A first step in which a user accesses an online internet site, selects a product, and selects a telephone number payment as a payment method, and inputs an authentication number consisting of a wired / wireless telephone number for payment and an arbitrary number combination through a telephone payment wizard window;

A second step of storing, by the Internet site server in its own DB, the payment phone number, authentication number and order information input by the user to a telephone payment system;

The telephone payment system stores the payment phone number, the authentication number, and the order information transmitted in the telephone payment system internal authentication database, and compares the payment phone number with the reason for disqualification from the pre-stored blacklist and payment limit information for each phone number. Three steps;

A fourth step in which the telephone payment system calls the payment telephone number and notifies the order rejection if the payment telephone number has a reason for disqualification of the payment;

A fifth step in which the telephone payment system calls the payment telephone number and requests the authentication number input if the payment telephone number has no reason for disqualification;

A sixth step of, when the user inputs an authentication number, the telephone payment system comparing the input authentication number with the stored authentication number;

A seventh step of notifying the internet site server of the approval by the telephone payment system if the authentication numbers match the comparison result;

If the verification result does not match, the telephone payment system includes an eighth step of notifying the internet site server of the rejection.

Then, embodiments of the present invention will be described with reference to the accompanying drawings so that the present invention can be easily implemented by those skilled in the art.

1 is a diagram illustrating an entire network of a payment system using a phone number according to an embodiment of the present invention.

As shown in FIG. 1, a payment system according to an embodiment of the present invention includes a communication gateway station 102, a telephone payment system 500, a billing system 105, a wired / wireless communication network 101, and an internet network 107. It includes.

The telephone payment system 500 is connected to the wired / wireless telephone subscriber through the wired / wireless communication network 101 and the gateway station 102 of the communication service provider. At the same time, the telephone payment system 500 is connected to a telemarketing / call center 106 that specializes in telephone orders through a dedicated line 104 or a general wired or wireless communication network 101, and is also connected through an internet network 107. . In addition, the telephone payment system 500 is connected to a pay site 108 for providing a paid service or goods through the Internet network 107. In addition, the telephone payment system 500 is connected to the billing system of the communication service provider to transmit and receive the necessary billing information.

Here, two methods using the Internet content shopping mall 108 and the telemarketing call center 106 are presented. For convenience of explanation, one method will be described one by one.

2 is a flowchart illustrating an overall operation of a payment method using a telephone number according to the first embodiment of the present invention.

Referring to FIG. 2, a user having a purchase intention connects to an Internet site server 212, selects a purchase item, inputs a payment phone number and an arbitrary self-generated authentication number according to a request of the Internet site server 212, and places an order. To conclude. In this case, the process of accessing the Internet site and placing an order is omitted since detailed description is well known in the art.

The telephone number and the authentication number entered by the user are transmitted to the Internet site server 212 along with the order information and other necessary information. In this case, simultaneous transmission to the Internet site server 212 and the telephone payment system 500 is also possible.

Then, the transmitted information is stored in the self-authentication DB 213 through the control of the Internet site server 212 and sent to the telephone payment system 500 at the same time.

The telephone payment system 214 compares the blacklist stored in the authentication server 215 with the payment limit balance for each phone number and the received phone number.

Thereafter, the telephone payment system 214 calls the user according to the comparison result, if there is no reason for disqualification of the credit request for payment approval, and if there is a reason for dismissal, the order rejection notification is sent.

In the case of an orderable telephone number, the user completes the approval by re-entering the number that he / she arbitrarily generated and entered at the time of purchase order.

The telephone payment system 500 passes through the authentication process of the telephone number itself and authentication with the user, and sends the result back to the Internet site server 212, and the Internet site server 212 rejects the order according to the received information. Offer services and goods on demand.

All authentication and call processing details generated by the telephone payment system are generated as CDR data and stored in the CDR server 216, and in the case of normal authentication and transaction completion, the data is transmitted to the billing system 217 of the service provider to send and settle the bill. Used as a basis for

The process is described in more detail as follows.

3 is a detailed operation flowchart of a payment method using a phone number according to the first embodiment of the present invention.

First, when a user accesses an online pay site and purchases a specific service or item, the user places a purchase order (S311) and selects a telephone settlement 312 as a payment method. The telephone settlement wizard window is displayed by the Internet site server 212. It is displayed (S313), through the wizard window will request to enter the payment phone number and authentication number.

In response to this request, the user enters the payment telephone number and any authentication number generated by the user into the window of the telephone settlement wizard (S314). At this time, the paid site may further request to input the orderer's name and social security number in order to confirm the identity of the orderer in more detail.

The telephone number and the authentication number entered by the user are transmitted to the authentication DB of the pay site together with the user's purchase order information and other additional information necessary for data processing (S315) and simultaneously transmitted to the telephone payment system (S316). The transmitted phone number and authentication number information is blacklist existing in the DB of the authentication server 215 of the telephone payment system 500, compared with the payment limit information for each phone number, and is searched (317). In the case of an order exceeding the payment limit per phone or telephone, the telephone payment system 500 dials the phone number, and the voice processing device 608 notifies the purchase order rejection to the ARS announcement (S318) and the corresponding. Explain why.

If there is no abnormality of the blacklist and the payment limit inspection result, the telephone payment system 500 dials the number entered by the user and requests the user to input the authentication number, which is generated by the user when the order is generated (S3110). At this time, the number entered by the user is compared with the number entered during the order (S3112) and if the number is notified through the ARS notification of the order rejection (S3113). If the numbers are correct, it informs that the approval (S3113, S322).

The result of comparing and checking the blacklist and the payment limit by the telephone payment system 500 and the final approval or rejection information obtained through the authentication process with the user are created and stored as billing data (S3118) and the result is processed in the purchase order. 3114 is notified to the Internet site server 212.

In this case, the call center to be described below does not provide additional information to the user because the process of order transaction is terminated in the number authentication process, but in the case of the Internet site, the information of the transaction rejection and approval notified by telephone is the same. It is also displayed in the payment wizard or order basket on the (S3116).

When the Internet site server 212 is notified of the payment approval based on the information received from the telephone payment system 500, the Internet site server 212 provides the approved service or executes the goods delivery 3117.

On the other hand, billing data stored in the CDR server 216 of the telephone payment system 500 is transmitted to the billing system 105 of the telecommunications carrier. According to the data, the telecommunication service provider prepares a bill and a bill (S3120), and sends a bill to the user to the Internet pay site (S3121).

If the operator differs from the operator of the telephone payment system 500, the telephone operator acts as an agent for sending and receiving the bill between the operator and the paid site and call center operator.

When the user makes a normal payment (S3123) by using a method such as direct debit or giro (S3124), the service provider collects the fee and pays the fee to the pay site or call center operator (S3125). In this case, if the operator and the operator of the telephone settlement system are different, the operator pays the telephone settlement system operator and the telephone settlement system operator handles the payment to each paid site and call center operator.

The order processing and the payment information input process according to the procedure of the telephone payment processing will be described in detail with reference to FIGS. 4 and 5 as follows.

A screen similar to that of FIG. 4 may be exemplified in the case of performing an online order on an Internet site, and a screen for selecting a payment method is displayed at the same time as the item ordered by the user is displayed. When the user selects a phone number payment term among the presented payment methods, a phone payment wizard window as shown in FIG. 5 is displayed and an item for inputting necessary information such as name, phone number, and authentication number is displayed. Depending on the needs of the site, an address, social security number, etc. may be additionally required. After entering this information, pressing the payment input completion button proceeds to subsequent transactions.

A more detailed description of the telephone payment system described in the above process is as follows.

6 shows the internal configuration of the telephone payment system.

Referring to FIG. 6, the telephone payment system 500 includes a communication processing unit 601 for controlling communication with a communication network, a voice processing device 603 for making a call to a user, transmitting a guide broadcast, and receiving a signal input by the user. , The authentication server 604 for storing and managing various authentication data, the web server 605 providing an interface with an online paying site such as a telephone settlement wizard, a telephone payment system and a user, an online paying site and a call center. CDR server 606 that stores and manages records, manages communication between devices and components within the system, processes TCP / IP unit 607 that handles Internet interworking, and processes, compares, searches, etc. It consists of a central processing unit 602 to perform a function. Phone number blacklist (608), subscription site information DB (609), product code information DB (610), balance limit by phone number (611), order history information DB (612), approval processing result DB (613), approval The information transmission information 614 exists in the authentication server 215, the web server 605, and the CDR server 216, respectively, and is referred to and updated as necessary for the process of payment processing.

Referring to the operation of the telephone payment system 500 having such a configuration as follows.

7 is an operation flowchart showing in more detail the authentication processing procedure by the telephone payment system.

Referring to FIG. 7, when the user's payment phone number, authentication number, and order details are transmitted through the communication control unit 601 (S511), the blacklist 608 and the number stored by the self-collection or the relevant service provider are stored in advance. Based on the balance limit 611 (S513) information, the authentication server 215 checks the valid / invalid validity and the payment limit for each phone number according to the request of the central processing unit 602, and according to the result, the voice processing device 603 ) Immediately call the user's payment phone number (S501).

When the user answers the call (S502), the telephone payment system 500 according to the result of the blacklist and the payment limit check (S503) of the authentication server 215 or an invalid phone number in the blacklist or order that exceeds the payment limit In the case of rejecting the order through the voice processing device 603 and notifies the user of the reason for rejection (S510) and terminates the call.

On the other hand, if it is a valid number that does not exist in the blacklist and the amount of the ordered product does not exceed the payment limit, the authentication server 215 notifies the user of the order history through the communication processing unit 601 and the user inputs the order at random. The input of the authentication number is requested (S504).

When the user enters the authentication number according to the guidance of the ARS (S505), the authentication server 215 compares the authentication number stored in the authentication DB and the number entered by the user (S506) and gives a re-entry opportunity up to three times ( S507) and notifies the approval processing failure when the final input fails and terminates the call.

If the comparison result number is correct, the authentication server 215 approves the order and ends the call after the guidance (S509) regarding the service provided goods delivery.

The functions of the communication processing unit 601, the authentication server 215, the central processing unit 602, the voice processing unit 603, the web server 605, the CDR server 216 of the above process are integrated or segmented as necessary. And various modifications are possible.

Then, the following describes a payment method using a phone number according to the second embodiment of the present invention using a call center.

8 is an overall operation flowchart of a payment method using a phone number according to the second embodiment of the present invention.

The second embodiment is almost identical to the operation of the first embodiment except that the call center performs the role of the Internet site instead. Therefore, when a user calls a call center to place a purchase order and selects a product, the call center system sends out ARS to request a payment phone number and authentication number input (S321).

9 is a detailed operation flowchart of a payment method using a phone number according to the second embodiment of the present invention.

As shown in FIG. 9, all operations are similar to those of FIG. 3, except that the step S321 of requesting a payment telephone number / authentication number input request is different from the step of listening to the order approval notification 322. same. Since it is easy for those skilled in the art to understand the operation of FIG. 9 from this description and the first embodiment described above, a detailed description thereof will be omitted, and the order process will be described in more detail with reference to FIG. As follows.

10 is a flowchart illustrating a process of placing an order using the telemarketing call center.

Referring to FIG. 10, when a user makes an order call S431, the ARS of the telemarketing call center 106 responds immediately and explains the product to be sold (S432). When the user hears this and selects a product (S433), the user checks the selected product and requests a payment telephone number (S434). When the orderer enters the payment phone number (S435), the ARS confirms the input number (S436). If it is wrong, three re-entry opportunities (S4311, S4312) are granted and the order is notified if the order fails. do. If it is confirmed as normal input, the ARS will then request to enter a random verification number (S437). If an error occurs, the payment phone number will be processed in the same way as the error. If the normal input is confirmed (S439), the order will be notified of completion. Tell the order number (S4310) and ends the call.

This process allows the user to securely order items and pay for them.

As described above, in the embodiment of the present invention, a one-time authentication number that is generated by a specific algorithm or extracted from a pool of existing authentication numbers and notified to the user, but is randomly generated by the user and used only for the transaction. Therefore, the risk of hacking is improved and the security is improved, and the payment system using the phone number frees users from the burden of having to make a phone call or the authentication number delivered, and frees them from paying unnecessary calls. It may provide a method.

In addition, when inputting a billing phone number, a conventional method in which a verification number cannot be entered and a billing phone number input and a verification code input are performed by receiving a verification number from the system and inputting the verification code for order approval. Compared to the present invention, the present invention is complicated in the conventional separation method by adopting a method of approving the order through the procedure of confirming the authentication number after inputting the payment phone number and randomly generating the authentication number when the user orders. It is also possible to easily handle the telephone number settlement of telephone orders that are difficult to carry out.

(In addition, the conventional online micropayment can be handled very simply and securely, and the micropayment of a telephone order, which was not possible due to its complexity in the conventional method, can be easily processed).

Claims (12)

In the method of processing a micro payment of a telephone order online using a telephone number, A first step in which a user accesses an online internet site, selects a product, and selects a telephone number payment as a payment method, and inputs an authentication number consisting of a wired / wireless telephone number for payment and an arbitrary number combination through a telephone payment wizard window; A second step of storing the authentication number and the order information input by the user in the Internet site server in its own DB and transmitting it to the telephone payment system; The telephone payment system stores the payment phone number, the authentication number, and the order information transmitted in the telephone payment system internal authentication database, and compares the payment phone number with the reason for disqualification from the pre-stored blacklist and payment limit information for each phone number. Three steps; A fourth step in which the telephone payment system calls the payment telephone number and notifies the order rejection if the payment telephone number has a reason for disqualification of the payment; A fifth step in which the telephone payment system calls the payment telephone number and requests the authentication number input if the payment telephone number has no reason for disqualification; A sixth step of, when the user inputs an authentication number, the telephone payment system comparing the input authentication number with the stored authentication number; A seventh step of notifying the internet site server of the approval by the telephone payment system if the authentication numbers match the comparison result; And if the authentication numbers do not match, the telephone payment system includes an eighth step of notifying the internet site server of the rejection. The method of claim 1, A ninth step of transmitting the information of the result approved or rejected in the seventh and eighth steps to the Internet site server and simultaneously creating the CDRs to transmit the CDR information to the billing system of the telecommunications operator; A tenth step of providing a service or delivering a product at a paid site according to the transmitted approval result; A billing method using a telephone number comprising the eleventh step of preparing a billing and settlement data in the carrier billing system and sending it to the user and the Internet site server. The method according to claim 1 or 2, The generation method of the authentication number that the user inputs when ordering in the first step is A method of payment using a telephone number, characterized in that the user randomly selects and combines a random number from 0 to 9 to generate a verification number for each transaction. The method of claim 3, The authentication processing method by the telephone payment system, The generation method of the authentication number that the user inputs when ordering in the first step is A user using a telephone number, characterized in that the user randomly selects and combines random numbers from 0 to 9 and alphabetically to generate an authentication number for each transaction. In the method of processing the payment of a telephone order using a telephone number, A first step in which a user accesses a call center, selects a product, and selects telephone number payment as a payment method, and receives an authentication number consisting of a wired / wireless telephone number for payment and an arbitrary number combination through an automatic answering system; A second step of storing the authentication number and the order information input by the user in the Internet site server in its own DB and transmitting it to the telephone payment system; The telephone payment system stores the payment phone number, the authentication number, and the order information transmitted in the telephone payment system internal authentication database, and compares the payment phone number with the reason for disqualification from the pre-stored blacklist and payment limit information for each phone number. Three steps; A fourth step in which the telephone payment system calls the payment telephone number and notifies the order rejection if the payment telephone number has a reason for disqualification of the payment; A fifth step in which the telephone payment system calls the payment telephone number and requests the authentication number input if the payment telephone number has no reason for disqualification; A sixth step of, when the user inputs an authentication number, the telephone payment system comparing the input authentication number with the stored authentication number; A seventh step of notifying the call center of the approval by the telephone payment system when the verification numbers match with the comparison result; If the verification result does not match, the payment method using the phone number comprising the eighth step of the telephone payment system notifies the call center of the rejection. The method of claim 5, A ninth step of transmitting the information on the result of the approval or rejection in the seventh and eighth steps to the call center and simultaneously creating CDRs to transmit the CDR information to the billing system of the telecommunication service provider; A tenth step of providing a service or delivering a product in a call center according to the transmitted approval result; The billing method using the telephone number comprising the eleventh step of preparing the billing and settlement data in the carrier billing system and send to the user and the call center. The method of claim 6, The generation method of the authentication number that the user inputs when ordering in the first step is A method of payment using a telephone number, characterized in that the user randomly selects and combines a random number from 0 to 9 to generate a verification number for each transaction. The method of claim 7, wherein The authentication processing method by the telephone payment system, The generation method of the authentication number that the user inputs when ordering in the first step is A user using a telephone number, characterized in that the user randomly selects and combines random numbers from 0 to 9 and alphabetically to generate an authentication number for each transaction. A payment system that handles payment of Internet site servers and call centers through the Internet and telephone orders using the user's telephone number. A communication processor for controlling communication with a communication network; Authentication for storing the payment phone number, authentication number and order information transmitted from the call center and the Internet site server in the internal authentication DB, and comparing the payment phone number with the reason for the disqualification from the pre-stored blacklist and payment limit information for each phone number. server; If the payment phone number is disqualified for payment from the authentication result of the authentication server, call the payment phone number to notify the order rejection, and if the payment phone number does not have the reason for the payment, the telephone payment system calls the payment phone number. A voice processing device for requesting input of an authentication number; When the user enters the authentication number, the telephone payment system compares the entered authentication number with the stored authentication number, and if the result of the comparison matches, the telephone including the central processing unit for notifying the call center and the Internet site server of the approval. Payment system using numbers. The method of claim 9, A web server for processing an interface with an online pay site; A CDR server for storing and managing data on all processes made between the telephone payment system and the user, the online pay site and the call center; A payment system using a telephone number further comprising a TCP / IP unit that manages communication between each device and a component within the system and processes Internet interworking. The method of claim 9, The call center, When the user accesses the call center, selects a product, and selects telephone number payment as a payment method, the automatic answering system receives an authentication number consisting of a wired / wireless telephone number for payment and an arbitrary number combination, stores it in its own DB, and makes a telephone payment. Payment system using a phone number, characterized in that the transmission to the system. The method of claim 9, The Internet site server, When the user connects to the Internet site server, selects a product, selects telephone number payment as a payment method, and receives the authentication number consisting of a wired / wireless telephone number for payment and an arbitrary number combination through the telephone payment wizard window and stores it in its own DB. And payment system using a phone number, characterized in that for transmitting to the telephone payment system.