KR100582110B1 - Periodic payment system of service usage fee, its control method and service provider of the payment system - Google Patents

Abstract

The present invention relates to a periodic payment system of a service usage fee, a control method thereof, and a service provider of the payment system. Periodic payment system of the service usage fee according to the present invention is a payment system that receives the subscriber's credit information from the payment information provider, and determines whether to approve the requested payment amount based on the credit information provided by the payment information provider. If approved, the server includes a payment approval server and a service provider for providing payment request information to the payment information provider. When the subscriber who wants to use the service selects the target service product and applies for payment, the service provider requests the payment approval server for the fixed payment per cycle irrespective of the payment request date, and the period is renewed immediately after the payment request date. Request the payment approval server to pay the amount excluding the overpayment which was overpaid on the payment request date in the fixed amount. Therefore, it prevents the subscriber's early termination of malicious subscription.

Down Payment, Upfront, Upfront, Internet, Content, Refunds, Repayments, Rewards

Description

Periodic payment system of service usage fee, control method and service provider of the payment system {PERIODICAL PAYMENT SYSTEM FOR SERVICE, CONTROL METHOD THEREOF, SERVICE PROVIDER OF THAT SYSTEM}

1 is a block diagram of a payment system according to an embodiment of the present invention.

FIG. 2 is a detailed configuration diagram of FIG. 1.

3 is a block diagram of the service provider of FIG.

4 is a control flowchart of the payment system of FIG.

FIG. 5 is a detailed flowchart of the fee refund step of FIG. 4.

  Explanation of symbols on the main parts of the drawings

100: subscriber 110: terminal

200: service provider 210: service server

211 input unit 213 control unit

215: charge information storage unit 217: charge calculation unit

219: output unit 220: service database

221: service subscriber database 223: usage database

225: Service Product Database 300: Payment Information Provider

310: mobile communication service provider 311: mobile carrier server

313: mobile subscriber database 320: financial service provider

321: financial company server 323: financial customer database

400: payment approval server 500: communication network

600: wireless communication network

The present invention relates to a billing system for each period of service usage fee, a control method thereof, and a service provider of the billing system. The present invention relates to a payment system, a control method thereof, and a service provider of the payment system, such that an amount excluding an overpayment overpaid on a payment application date is settled on an update date.

Service providers are businesses that provide various types of tangible and intangible products. In particular, service providers that are currently conducting business through the Internet provide various service products such as online games, multimedia contents, and various community services. In those days, the services were mostly provided free of charge.

However, as the recognition of the economic value of the Internet service products in the market has recently increased, the charge for each service product is being paid, and the paying method freely uses a service provided by the service provider instead of paying a certain amount for each cycle. The service is divided into a flat rate plan and an individual payment method for each service product to be used.

The flat rate plan is divided into a prepaid method and a postpaid method according to the billing date in the service use cycle.

The post-payment method is a method of paying a fee at the end of each month, for example, when paying a certain service fee on a monthly basis. However, after using the services provided by the subscribers, the withdrawal before the billing date was often severe, causing the damage to the operators. Therefore, a flat fee plan was introduced.

However, even in the prepaid flat-rate scheme, for example, in the case of a method of paying a certain service fee at the beginning of each month on a monthly basis, when the subscriber first applies for payment at the end of the month and only the remaining period is preferentially paid in the month, A similar problem occurred with the postpay payment system.

In other words, if a subscriber enjoys all the various services that are offered to members who have selected a flat rate plan in a short period of time and then intentionally withdraws before the next payment date, the subscriber enjoys the service far exceeding the fee paid by the subscriber. Economic loss.

Therefore, the technical problem to be achieved by the present invention is to ensure that the fixed amount by period regardless of the user's payment request date, and the amount of payment except the prepayment overpayment on the payment request date in the fixed period by the payment immediately after the payment application date The present invention provides a payment system, a control method thereof, and a service provider of the payment system.

Periodic payment system of the service usage fee according to the characteristics of the present invention for achieving the above object, the payment of the service usage fee for the service fee to pay the service fee based on the credit information of the subscriber provided from the payment information provider A system, comprising: a payment approval server for determining whether to approve a requested payment amount based on credit information provided by the payment information provider, and providing payment request information to the payment information provider when approving; And providing the service and requesting the payment approval server for periodical payments on a periodic basis regardless of the payment application date when receiving the service usage fee payment request from the user terminal of the subscriber, and converting the flat rate for each period into a daily fee. When the overpayment amount based on the payment request date is set as a down payment, on the first payment renewal date, which is the payment renewal date immediately after the payment request date, the payment approval server is requested to pay the amount excluding the down payment from the fixed period by period. The second payment renewal date, which is a payment update date after the renewal date, includes a service provider for requesting the fixed payment for each period to the payment approval server, wherein the user terminal of the subscriber is a wireless terminal, and the payment information provider is mobile communication to the subscriber. A mobile telecommunication company server providing a service and the mobile telecommunication service of the subscriber And a mobile communication service provider including a mobile communication subscriber database storing usage information, wherein the payment approval server receives a payment authentication key when the subscriber receives a payment request through the wireless terminal from the service provider. The mobile communication service provider provides the mobile communication service provider with the payment authentication key and transmits the payment authentication key to the wireless terminal so that payment is approved when the payment authentication key is received from the subscriber.

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On the other hand, the control method of the billing system for each cycle of the service fee according to the object of the present invention is a control method of the billing system for each cycle of the service fee, when the system, the payment request signal is transmitted from the subscriber terminal, Paying the fixed fee per cycle as a fee for the service product; Calculating, by the system, an overpayment amount based on a payment request date by converting a flat rate for each period into a daily rate; Setting the overpaid amount as a down payment by the system; When the service request signal is not transmitted from the terminal of the subscriber, immediately after the payment request date, the payment amount is subtracted from the fixed amount for each period on the first payment renewal date, and the payment renewal date after the first payment renewal date. The second payment renewal date to be settled for each cycle; When a request for service use is transmitted from the terminal of the subscriber after the payment request date, when there is a down payment to the subscriber by determining whether there is a down payment, one of the other fees for the down payment, the period of use from the last payment date, and the usage history. In consideration of the above, the refund amount calculated is included.

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In addition, the service provider for providing a service to the subscribers in a periodical rate plan according to the purpose of the present invention, the input unit for receiving a payment request signal from the subscriber; the periodical rate information according to the type of service provided is stored Charge information storage unit; A rate calculator for calculating a request amount for a payment approval server for determining whether to approve the requested payment amount based on the credit information of the subscriber; An output unit for outputting a request signal to the payment approval server; And when the payment request signal is input from the input unit, the flat payment request signal based on the periodic fee information stored in the fee information storage unit is transmitted to the payment approval server through the output unit regardless of the payment request date. When converting the flat rate by period into a daily fee, the amount overpaid on the basis of the payment application date is set as down payment, and the difference excluding the down payment calculated by the fee calculation unit on the first payment renewal date immediately after the payment application date. In this regard, the difference payment request signal is transmitted to the payment approval server through the output unit, and on the second payment update date that is the payment update date after the first payment update date, a flat payment request signal is sent to the payment approval server through the output unit. It includes a control unit to be delivered.

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Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings.

As shown in FIG. 1, a periodic payment system of a service usage fee according to an exemplary embodiment of the present invention includes a service provider 200 and a payment approval server 400.

The payment information provider 300 provides subscriber credit information and bills the subscriber 100 the service usage fee payment based on the payment request information including the service usage fee payment amount of the subscriber 100.

The payment approval server 400 determines whether the requested payment amount is approved based on the credit information provided by the payment information provider 300.

Therefore, the payment approval server 400, if the subscriber credit information provided from the payment information provider 300 does not match the subscriber information received through the subscriber 100 or the service provider 200, payment Reject approval. Or, if it is determined that there is a problem in subscriber creditworthiness or that the total payment amount of the subscriber 100 exceeds the limit through the credit information, the payment approval is rejected.

In contrast, the payment approval server 400, if the subscriber credit information provided from the payment information provider 300 is consistent with the subscriber information received through the subscriber 100 or the service provider 200, and If the credit information of the subscriber is good through credit information and it is determined that payment is possible based on the payment limit, payment is approved. And the payment information provider 300 provides payment request information.

As shown in FIG. 2, the payment information provider 300 includes a mobile communication service provider 310 and a financial service provider 320.

The financial service provider 320 includes a financial company server 321 and a financial customer database 323 that stores usage information of a financial institution user. In addition, the mobile communication service provider 310 stores a mobile communication company server 311 providing a mobile communication service to the subscriber 100 and a mobile communication subscriber 100 storing the mobile communication service usage information of the subscriber 100. Contains a database.

The payment approval server 400, when the subscriber 100 selects the wireless terminal 110 as the service usage fee payment means, from the service provider 200 to the wireless terminal 110 of the subscriber 100 Receive payment request through. At this time, the payment approval server 400 generates a payment authentication key so that the mobile communication service provider 310 delivers the payment authentication key to the wireless terminal 110. The payment approval server 400 approves the payment when the payment authentication key is input from the subscriber 100.

For example, when a subscriber 100 connected to the service provider 200 applies for service use and selects a mobile phone as a bill payment method, the service provider 200 is connected to the payment approval server 400. The payment request is transmitted through the mobile phone of the subscriber 100. At this time, the payment approval server 400 generates a payment authentication key consisting of a series of numbers and transmits it to the mobile communication service provider 310 so that the payment authentication key is displayed on the portable telephone of the subscriber 100. In addition, the payment approval server 400 provides an authentication window so that the subscriber 100 inputs the payment authentication key.

The subscriber 100 inputs the payment authentication key displayed on the portable telephone into the authentication window. Next, when the payment authentication key input through the authentication window is identical to the payment authentication key generated originally, the payment authentication server provides the payment request information to the mobile communication service provider 310 by approving the payment. In addition, the mobile communication service provider 310 bills the subscriber 100 with the amount of the mobile communication cost included in the payment request information.

Similarly, the payment approval server 400 receives a payment request through the credit card of the subscriber 100 from the service provider 200 when a credit card is selected as the service fee payment means. At this time, the payment approval server 400 has a good credit status of the subscriber, and if the credit information input by the subscriber 100 and the credit information of the subscriber included in the financial service provider 320 match, the subscriber 100 Inform the payment approval) and delivers the service fee payment request information to the financial service provider (320).

When the service provider 200 provides the service to the subscriber 100 and receives the service usage fee payment request from the subscriber 100, the service provider 200 performs the fixed payment per cycle regardless of the payment application date. 400). In addition, the service provider 200 requests the payment approval server 400 to pay the amount of money excluding the down payment which is overpaid on the payment request date in the fixed amount for each period immediately after the payment request date.

The service provider 200 further includes a usage history database 223 for storing usage information for each subscriber 100. When the release request signal is received from the subscriber 100, the service history is checked if the subscriber 100 has advance payment and if the subscriber 100 has advance payment, referring to the usage history database 223.

If the service provider 200 does not have a down payment, the service provider 200 simplifies processing, and the service provider 200 can no longer use the service of the service provider 200. However, when the subscriber 100 has a down payment, the service provider calculates a refund amount in consideration of the down payment, the period of use from the last payment date, and the usage history, so that the subscriber 100 is refunded. At this time, the refund can be made in various ways such as cash, cyber money and user points to the user.

As shown in FIG. 3, the service provider 200 may include an input unit 211 that transmits an application signal of the subscriber 100, and a charge information storage unit for storing fixed-term rate information for each cycle according to the type of service provided. 215, a charge calculator 217 for calculating a request amount for the payment approval server 400, an output unit 219 and a controller 213 for outputting a request signal for the payment approval server 400; Include.

When the payment request signal is input from the input unit 211, the control unit 213 receives the flat fee request signal based on the fixed fee information per cycle stored in the charge government storage unit regardless of the payment request date. Through the payment approval server 400 to be delivered.

The control unit 213 causes the fee calculation unit 217 to calculate the difference excluding the down payment which is overpaid on the payment request date from the fixed fee for each period on the payment renewal date immediately after the payment request date. Next, the controller 213 causes the difference payment request signal to be transmitted to the payment approval server 400 through the output unit 219.

The down payment is calculated based on the daily rate based on the date of payment.

For example, if a service usage fee of 9,900 won is charged on a monthly basis (all months are assumed to be 30 days), and the subscriber 100 applies for the service use payment on March 20, 9900 regardless of the payment application date The original fee is settled. At this time, the amount settled over March 21, the payment request date, is stored as a down payment, and the down payment is calculated by the daily fee. Therefore, if the daily rate is simply calculated based on the monthly flat fee of 9900 won, 6600 won overpaid for 20 days out of 9900 won for March is stored as down payment.

And, on April 1, the renewal date of next month, 3,300 won is automatically settled in April, except for 6,600 won, which is set up as a down payment. As a result, a fee of 9,900 won, which is 6,600 won and 3,300 won, is prepaid in April.

At this time, the service provider 200 includes a usage history database 223 for storing usage history information for each subscriber. That is, for example, the usage database 223 stores usage history of various games and various item purchases used by the subscriber 100.

When the subscriber 100 has the down payment, when the cancel request signal is received from the input unit 211 by the subscriber 100, the controller 213 charges the usage history. With reference to the database 223 to calculate the refund amount in consideration of the usage fee according to the period and the usage period from the down payment, the last payment date, the payment cancellation request signal of the amount corresponding to the refund amount is set by the output unit 219 It is to be delivered to the approval server (400).

For example, if the subscriber 100 applied for cancellation on March 25 after applying for payment on March 20, the fare calculation unit 217 may receive a down payment of 6,600 won and the latest payment date from March 20. Calculate the refund amount considering the usage period and history for 6 days. That is, the sum of 1300 won and advance payment 6600 won, which is equivalent to 4 days' worth of 3300 won, can be refunded, except for 6 days of usage fee from 3300 won. If the fee according to the usage history, which is concentrated on purchases and the item usage fee, far exceeds 7900 won plus 1300 won and 6600 won, the refund amount may be zero.

In addition, in the above example, if the subscriber 100 applied for cancellation on April 9, the prepayment of 6600 won overpayed on March 20 is a flat fee for April with 3300 won automatically paid on April 1 Since it is included in 9900 won, no further down payment exists. In this case, the fee calculator 217 may be configured to calculate a refund amount considering the usage period and usage history for 10 days from April 1, which is the latest payment date. Therefore, 6600 won can be refunded from 9900 won, except for the simple use fee of 3300 won for 10 days, and can be configured to reflect the usage fee according to the usage history.

Hereinafter, a method of controlling a payment system for each period of a service usage fee according to an embodiment of the present invention will be described in detail with reference to FIG. 4.

The user selects a service object to be used (S100), and applies for a fixed fee for each period for the service fee according to the service product (S110). That is, one of the various service products provided by the service provider 200 is selected, and one of the various rates provided for each service product and the fee payment method is selected.

For example, the service provider 200 provides an online game service, and charges a fee for each game and each item, and provides the service provider 200 including an online game service through monthly payment. You can make use of all the services you do. In this case, the range of services available to the subscriber 100 may vary according to the monthly fee.

Next, the down payment, which is an overpayment amount, is calculated based on the payment request date of the subscriber 100 (S120) and stored (S130). The down payment is a simple calculation of the flat rate charged for each period as a daily rate, which is the sum of the rates for the period that the subscriber 100 has not already used in the corresponding payment cycle. In other words, as shown in the above example, in the case of the subscriber 100 who applied for payment on March 21 and paid 9,900 won, the fee for the period that was not used for 20 days from March 1 to March 20 was 6600. The won is calculated as down payment.

Then, on the payment renewal date immediately after the payment request date (S140) when the subscriber 100 does not request termination (S150), the fee except for the down payment is automatically charged from the flat fee charged by the cycle (S160). That is, in the above example, on April 1, the payment renewal date immediately after the tax application date on March 20, only 3,300 won is automatically settled from the flat fee of 9900 won except the advance fee of 6600 won.

At this time, when the subscriber 100 requests the service use request after the payment request date (S131, S150), the service provider 200 causes the fee to be refunded based on the down payment (S170).

That is, as shown in Figure 5, the process of refunding the fee based on the down payment is as follows.

When the subscriber 100 makes a request for service termination (S171), the service provider 200 checks whether the subscriber 100 has a down payment (S172). When the subscriber 100 has advance payment, the service provider 200 checks the usage history of the subscriber 100 (S173) and calculates a usage fee according to the usage history (S174).

Next, the refund amount is calculated in consideration of the prepayment fee, the usage period according to the usage period and the usage history from the latest payment date, and if the refund amount exists, the subscriber 100 receives the refund (S175, S176). This may be 0 (S177).

As mentioned in the above example, if the subscriber 100 applied for cancellation on March 25 after applying for payment on March 20, the service provider 200 is a down payment of 6600 won, the last payment date of 3 Calculate the refund amount taking into account the period of use and history for six days from the 20th of the month. In other words, excluding the 6-day usage fee from 3,300 won, the sum of 1,300 won and 6,600 won, which is equivalent to the 4-day usage fee for 3,300 won, can be refunded. If the usage history is concentrated on the purchase of expensive items and the fee according to the usage history far exceeds 7900 won plus 1300 won and 6600 won, the refund amount may be zero.

On the other hand, if the subscriber 100 requests to cancel the use of the service and there is no down payment to the subscriber 100, the service provider 200 refunds the service fee based on the usage period and usage history from the date of the last payment. Calculate

In the above example, if the subscriber 100 applied for cancellation on April 9, the advance payment of 6600 won over March 20 was paid for the monthly fee of 9900 won for April with 3,300 won automatically paid on April 1. As there is no further down payment, there is no down payment. In this case, the service provider 200 calculates a refund amount considering the usage period and usage history for 10 days from April 1, which is the latest payment date, so that the subscriber 100 receives the refund. Therefore, 6600 won can be refunded from 9900 won, except for the simple use fee of 3300 won for 10 days, and can be configured to reflect the usage fee according to the usage history.

Therefore, the subscribers 100 apply for payment at the second half of the payment cycle for the Internet service products that are charged flat fee for each payment cycle, use various services provided for the flat rate, and then apply for service cancellation before the next month's payment date to make actual payment. Enjoying far more than one fee, the service providers 200 are prevented from being harmed.

As described above is only an embodiment of the present invention, the scope of the present invention is not limited thereto, and various modifications may be made to the matters obvious to those skilled in the art.

As described above, according to the present invention, when applying for the payment for the subscriber's use of the service, a fixed fee is charged for each period irrespective of the payment request date, so that the service provider secures a down payment for the amount overpaid on the payment request date. do. Therefore, the subscriber's malicious subscription withdrawal is prevented, such as applying for payment at the end of the payment cycle in the periodical fixed payment system and using the service more than the payment fee, and then applying for service cancellation early.

In addition, the subscriber pays a certain amount irrespective of the payment request date, and the overpayment amount is automatically adjusted after the adjustment in the payment cycle immediately afterwards. In other words, if the subscriber pays a certain amount without having to calculate the fee according to the payment request date on the payment request day that directly intervenes in the payment, the subsequent use fee is automatically adjusted after the automatic adjustment, so the calculation is simple and convenient for the subscriber.

In addition, when the subscriber requests cancellation of the service, the amount of money considering the prepayment fee, the usage fee according to the usage period and the usage history from the last payment date is refunded, thereby providing a reasonable payment and refund method to both the service provider and the subscriber.

Claims (16)

delete In the billing system of the service usage fee for paying the service usage fee based on the credit information of the subscriber provided from the payment information provider, A payment approval server which determines whether to approve the requested payment amount based on the credit information provided by the payment information provider, and provides the payment request information to the payment information provider if approved; And When providing the service and receiving the service fee payment request from the user terminal of the subscriber, requesting the payment approval server for the periodic flat payment regardless of the payment application date, and converts the flat fee for each period into a daily fee On the basis of the payment request date, the overpayment amount is set as advance payment.On the first payment renewal date, which is the payment renewal date immediately after the payment request date, the payment approval server is requested to pay the amount excluding the down payment from the fixed amount per cycle, and the first payment renewal date The second payment renewal date, which is a payment renewal date, includes a service provider for requesting the payment approval server for the fixed payment per cycle. The user terminal of the subscriber is a wireless terminal, The payment information provider includes a mobile communication service provider including a mobile communication service provider server providing a mobile communication service to the subscriber and a mobile communication subscriber database storing the mobile communication service usage information of the subscriber. When the payment approval server receives a payment request through the wireless terminal of the subscriber from the service provider, the payment approval server provides a payment authentication key to the mobile communication service provider and the mobile communication service provider provides the payment authentication key to the wireless terminal. Payment to the terminal, the service billing period-specific payment system characterized in that the payment is approved when the payment authentication key is received from the subscriber. delete In the billing system of the service usage fee for paying the service usage fee based on the credit information of the subscriber provided from the payment information provider, A payment approval server which determines whether to approve the requested payment amount based on the credit information provided by the payment information provider, and provides the payment request information to the payment information provider if approved; And When providing the service and receiving the service fee payment request from the user terminal of the subscriber, requesting the payment approval server for the periodic flat payment regardless of the payment application date, and converts the flat fee for each period into a daily fee On the basis of the payment request date, the overpayment amount is set as advance payment.On the first payment renewal date, which is the payment renewal date immediately after the payment request date, the payment approval server is requested to pay the amount excluding the down payment from the fixed amount per cycle, and the first payment renewal date The second payment renewal date, which is a payment renewal date, includes a service provider for requesting the payment approval server for the fixed payment per cycle. The service provider further includes a usage database for storing the usage information for each subscriber, when the cancel signal is received from the subscriber, referring to the usage database, when the subscriber has the down payment After calculating the usage fee according to the details, a refund amount considering one or more of the advance payment, the usage period from the last payment date, and the usage history is calculated, and the refund amount corresponding to the refund amount is returned to the payment approval server. Periodic payment system for service usage fee requesting payment cancellation, A payment approval server which determines whether to approve the requested payment amount based on the credit information provided by the payment information provider, and provides the payment request information to the payment information provider if approved; And When providing the service and receiving the service fee payment request from the user terminal of the subscriber, requesting the payment approval server for the periodic flat payment regardless of the payment application date, and converts the flat fee for each period into a daily fee On the basis of the payment request date, the overpayment amount is set as advance payment.On the first payment renewal date, which is the payment renewal date immediately after the payment request date, the payment approval server is requested to pay the amount excluding the down payment from the fixed amount by period, and the first payment renewal date After the payment renewal date of the second payment renewal date includes a service provider for requesting the payment approval server for the fixed payment per cycle, The user terminal of the subscriber is a wireless terminal, The payment information provider includes a mobile communication service provider including a mobile communication service provider server providing a mobile communication service to the subscriber and a mobile communication subscriber database storing the mobile communication service usage information of the subscriber. When the payment approval server receives a payment request through the wireless terminal of the subscriber from the service provider, the payment approval server provides a payment authentication key to the mobile communication service provider and the mobile communication service provider provides the payment authentication key to the wireless terminal. The terminal transmits the payment to the terminal to approve the payment when the payment authentication key is input from the subscriber. The service provider further includes a usage database for storing the usage information for each subscriber, when the cancel signal is received from the subscriber, referring to the usage database, when the subscriber has the down payment After calculating the usage fee according to the details, a refund amount considering one or more of the advance payment, the usage period from the last payment date, and the usage history is calculated, and the refund amount corresponding to the refund amount is returned to the payment approval server. Periodic payment system of the service fee, characterized in that for requesting the cancellation of payment. delete delete delete In the control method of the billing system for each cycle of the service usage fee, When the payment request signal is transmitted from the terminal of the subscriber, paying the fixed fee for each period as a usage fee for the corresponding service product; Calculating, by the system, an overpayment amount based on a payment request date by converting a flat rate for each period into a daily rate; Setting the overpaid amount as a down payment by the system; When the service request signal is not transmitted from the terminal of the subscriber, immediately after the payment request date, the payment amount is subtracted from the fixed amount for each period on the first payment renewal date, and the payment renewal date after the first payment renewal date. The second payment renewal date to be settled for each cycle; When a request for service use is transmitted from the terminal of the subscriber after the payment request date, it is determined whether there is a down payment to the subscriber, and when there is a down payment, one of the down payment, the fee based on the period of use and the usage history from the last payment date. Control method of a periodic payment system, characterized in that it comprises the step of allowing the refunded refund calculated in view of the above. delete delete delete In a service provider that provides services to subscribers on a periodical flat rate plan, The service provider, An input unit to receive a payment request signal from the subscriber; Rate information storage unit for storing the flat rate information for each cycle according to the type of service provided; A rate calculator for calculating a request amount for a payment approval server for determining whether to approve the requested payment amount based on the credit information of the subscriber; An output unit for outputting a request signal to the payment approval server; And When the payment request signal is input from the input unit, the payment request signal based on the fixed fee information per cycle stored in the fee information storage unit is transmitted to the payment approval server through the output unit regardless of the payment request date. When the flat fee is converted into a daily fee, the amount overpaid on the basis of the payment application date is set as down payment, and on the first payment renewal date, the payment renewal date immediately after the payment request date, the difference except for the down payment calculated by the fee calculation unit For example, the difference payment request signal is transmitted to the payment approval server through the output unit, and the fixed payment request signal is transmitted to the payment approval server through the output unit on the second payment update date that is the payment update date after the first payment update date. And a control unit for controlling the service provider. The method of claim 12, Further comprising a usage history database for storing the usage information for each subscriber, The control unit refers to the usage history database when the cancellation request signal is received from the subscriber, and when the subscriber has the advance payment, the fee calculation unit uses the advance payment, the usage period from the last payment date and the usage history. The service provider, characterized in that to calculate the refund amount, and the payment cancellation request signal of the equivalent amount of the refund amount is transmitted to the payment approval server by the output unit. delete delete delete

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