KR100808788B1 - International collection agency system and method for international online payment for digital content - Google Patents

Abstract

The present invention relates to an international collection agency system and method for international online payment for digital content. The international collection agency system for international online payment of digital contents is connected to the online payment server of overseas local payment partners such as overseas telecommunications carriers or overseas payment agencies (local storage agency), and is connected with domestic CP system to domestic CP certification. , Billing / billing system for managing user authentication and billing information, and the online payment server of the overseas local payment partner and the domestic CP system, and the overseas user customer information, CP information, and the online payment server of the overseas local payment affiliate Management and settlement system for generating and managing information, payment log, and managing settlement and payment information of overseas users based on the billing information of the settlement / billing system, and the settlement / billing for overseas users by domestic CP Billing information of the system, settlement information of the management / settlement system and settlement of delivery To include storage for backup. Therefore, it provides international online content fee collection service through the international collection agency (IPG) system, which provides domestic digital contents of domestic CP to overseas users and is connected with overseas payment agency through micro payment.

Digital Content, Micropayment, Payment Server (PG), International Collection Agency (IPG) System

Description

System and method for international payment gateway of international online settlement about digital contents}

1 is a conceptual diagram of a model of an international online content fee collection agency business through an alliance between a domestic carrier and an overseas carrier.

2 is a service configuration diagram for international online content exchange of domestic digital content according to the present invention.

3 is an online payment and settlement data flow chart of an overseas user according to the present invention.

4 is a diagram showing an international payment procedure scenario according to the present invention.

5 is an international recovery agency (IPG) system configuration in accordance with the present invention.

6 is a view for explaining a simple IPG service (IPG Only) according to the first embodiment of the present invention.

FIG. 7 is a view for explaining a global content portal service (IPG + Portal) with an IPG function according to a second embodiment of the present invention. FIG.

8 is a view illustrating a global content portal and shopping mall service (IPG + Portal + Shopping Mall) with an IPG function according to a third embodiment of the present invention.

9A illustrates a payment and settlement process using a prepaid card direct method.

Figure 9b is a diagram illustrating the electronic wallet charging method by using IPG ID after joining the IPG member.

9c is a diagram illustrating a real-time interworking method by using an IPG ID after joining an IPG member.

FIG. 9D is a diagram illustrating a settlement procedure for each CP and a delinquent defense procedure of the IPG system. FIG.

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

10: IPG System 11: Payment Web Server

12: payment server 13: billing DB

14: Administration settlement web server 15: Administration settlement server

16: Management settlement DB 17: Storage

20: domestic CP system 30: overseas payment server

The present invention relates to an international collection agency system and method, and more particularly, to providing international users with digital content of a domestic CP and to an international online collection agency (IPG) system through an international collection agency (IPG) system connected to an overseas payment agency. An international collection agency system and method for international online payment for digital content that provides line services.

In general, the Korean wave has increased the demand for Korean wave content in Asian countries such as China, Japan, and Vietnam, and the Internet usage rate and infrastructure environment in these countries are also gradually improving. In China, more than 100 million people use the Internet, with 40% of the users using online content. The Internet usage rate is less than 8% of the total population, showing a high growth rate of more than 20% every year.

Recently, overseas demand for Korean content is increasing rapidly due to the increase of export of cultural content and digital content due to the Korean wave, and international input / output traffic is on the rise due to the increase of use of overseas website by Korean users. (CP: Contents Provider) is trying to develop various overseas markets.

Domestic digital content (Korean Wave content) exported overseas is the most profitable model in the online market, and movies, dramas, and music continue to grow.

However, the international online content market is not activated due to language problems and limited payment solutions, and the domestic content is randomly used in most countries due to a weak route for providing excellent domestic content online to overseas users with fast and good quality. Doing.

In addition, domestic CPs have a strong desire to sell content overseas, but they have had difficulty in direct business promotion by establishing a local subsidiary.

Accordingly, domestic CP contents are provided to overseas users based on telecommunication companies (eg, KT), providing a basis for overseas users to directly use contents provided by domestic CP, and means for expanding overseas markets of domestic CP. (Sales rights, local direct entry-> online service), preoccupy the global online content exchange market and international micropayment market, and seize and diversify domestic business diversification opportunities based on domestic digital and cultural contents. In order to increase, there was a problem in that it was unable to provide a proper international collection agency service by interworking with an overseas telecommunication service provider and an online payment server of an overseas local payment partner.

The present invention has been proposed to solve the problems of the prior art, and an object of the present invention is to provide foreign users with their own digital content including games, dramas, movies, music, etc. in the online market provided by domestic CP, International online content fee collection agency for small amount of internet CP payment for domestic CP content through IPG system connected to online payment server of overseas local payment partner such as telecommunications carrier or overseas payment agency (local storage agency) To provide a service, an international collection agency system and method for international online payment for digital content.

In order to achieve the object of the present invention, the international collection agency system for the international online payment for the digital content according to the present invention is connected to the online payment server and domestic CP system of overseas local payment partners, domestic CP authentication, user authentication, A billing / billing system for managing billing information; It is connected to the online payment server and domestic CP system of the overseas local payment partner, the overseas user customer information, CP information, the online payment server information of the overseas local payment partner, the generation and management of the payment log, and of the payment / billing system A management / settlement system for managing settlement information and payment receipt information of foreign users based on billing information; And storage for backing up the billing information of the payment / billing system, the settlement information of the management / settlement system, and the deposit payment information for the overseas user for each domestic CP.

In order to achieve another object of the present invention, the international collection agency method for the international online payment for the digital content according to the present invention, (a) the local digital content of the domestic CP website in the local language and native language by foreign users Searching for the Internet, requesting international online payment of the domestic CP; (b) requesting an IPG payment agent from the content server of the domestic CP to an international collection agency (IPG) system, the international collection agency (IPG) system transmitting an online payment page for a local user to an overseas user; (c) When the overseas user inputs the payment information for the necessary digital content into the international collection agency (IPG) system, the international collection agency (IPG) system is an overseas local company such as an overseas telecommunication company or an overseas payment agency (overseas storage agency). Requesting authentication of the payment information to an online payment server of a payment affiliate company; (d) perform user authentication and billing for IPG payment from the overseas user to the online payment server of the overseas local payment partner, and pay from the overseas payment partner's online payment server to the international collection agency (IPG) system; Sending a result, and the IPG system transmits a payment result to a content server of the domestic CP; (e) after receiving the payment result, the content server of the domestic CP transmitting the digital content selected in real time through the internet network to a computer of an authorized foreign user; And (f) the online payment server of the overseas local payment partner stores the fee for the digital content used on a monthly basis from the overseas user, and deducts the fee for the fee for the used digital content for each local storage agency. In the local currency, the international collection agency (IPG) system conducts international payments for a predetermined number of times per month (once / month), and the international collection agency (IPG) system converts the currency into won according to the exchange rate at the time of remittance on the day. Deduction of fees for the number of domestic CPs of domestic CPs of domestic CPs by calculating the number of domestic CPs of domestic CPs by deducting the fees (fees per receiving agency + international remittance settlement fees) Per month) and deducting the fee and sending the final remittance amount to the domestic CP accounts.

In order to achieve the other object of the present invention, the international collection agency method for the international online payment for digital content according to the present invention, the overseas user purchases a prepaid card (including banking card) from a local prepaid card company, the balance of the prepaid card Depositing, and requesting the domestic digital content of the domestic CP to purchase the content by an authentication means (card number / password / other or local authentication means) through a prepaid card; An overseas local prepaid card company, an international collection agency (IPG) system, and a domestic CP system are configured to perform prepaid card authentication, deduction of a balance of a prepaid card, and the settlement of a prepaid card by a foreign user for the selected content data; And providing digital content selected on the web from a domestic CP system to a computer of an overseas user through an internet network.

In order to achieve the other object of the present invention, the international collection agency method for the international online payment for digital content according to the present invention, the overseas user purchases a prepaid card (including banking card) from a local prepaid card company, the balance of the prepaid card Depositing the IPG electronic wallet by means of an authentication means (card number / password / other or local authentication means) through a prepaid card after registering the IPG member in the international collection agency (IPG) system; Prepaid card authentication between the local prepaid card company and the international collection agency (IPG) system, the balance of the prepaid card deducted; The international collection agency (IPG) system charges the electronic wallet by the IPG ID using method, and requesting the purchase of content to the domestic CP system through the IPG ID / PWD from overseas users; IPG member authentication, electronic wallet balance verification, IPG electronic wallet deduction and settlement from the international recovery agency (IPG) system to the domestic CP system; And providing the digital content selected from a domestic CP system to a computer of an overseas user.

In order to achieve the other object of the present invention, the international collection agency method for the international online payment for digital content according to the present invention, the overseas user purchases a prepaid card (including banking card) from a local prepaid card company, the balance of the prepaid card Depositing an IPG member in an international collection agency (IPG) system, and a foreign user interworking and authenticating the IPG electronic wallet through a prepaid card by an authentication means (card number / password / other or local authentication means); A local overseas prepaid card company authenticates the prepaid card and stores a prepaid card authentication value in the international collection agency (IPG) system; Requesting a foreign user to purchase digital content through IPG ID / PWD to a domestic CP system; Verifying and verifying an IPG member certification and an electronic wallet of an overseas user by an IPG ID using method of the international recovery agency (IPG) system; Overseas local prepaid card company to verify and deduct the balance of the prepaid card with the international collection agency (IPG) system; And after the settlement, providing the selected digital contents from the domestic CP system to the computer of the foreign user.

In order to achieve the other object of the present invention, the present invention provides a computer with (a) an international user to search the local digital content of a domestic CP website in a local language and a native language on the Internet to perform international online payment of the domestic CP. Requesting function; (b) requesting an IPG payment agent from the content server of the domestic CP to an international recovery agency (IPG) system, the international recovery agency (IPG) system is configured to transmit an online payment page for a local user to an overseas user; (c) When the overseas user inputs the payment information for the necessary digital content into the international collection agency (IPG) system, the international collection agency (IPG) system is an overseas local company such as an overseas telecommunication company or an overseas payment agency (overseas storage agency). Requesting authentication of the payment information to an online payment server of a payment affiliate company; (d) performing user authentication and billing for IPG payment from the overseas user to the online payment server of the overseas local payment partner, and paying the IPG system from the online payment server of the overseas local payment partner Sending a result, the international recovery agency (IPG) system has a function of transmitting a payment result to the content server of the domestic CP; (e) after receiving the payment result, the content server of the domestic CP transmits the local digital content selected in real time through an internet network to a computer of an authorized foreign user; And (f) the online payment server of the overseas local payment partner stores the fee for the digital content used on a monthly basis from the overseas user, and deducts the fee for the fee for the used digital content for each local storage agency. In the local currency, the international collection agency (IPG) system conducts international payments for a predetermined number of times per month (once / month), and the international collection agency (IPG) system converts the currency into won according to the exchange rate at the time of remittance on the day. Deduction of fees for the number of domestic CPs of domestic CPs of domestic CPs by calculating the number of domestic CPs of domestic CPs by deducting the fees (fees per receiving agency + international remittance settlement fees) To deduct the fee and calculate the final remittance amount on a regular basis. It includes a computer readable recording medium recording the program.

Hereinafter, with reference to the accompanying drawings, preferred embodiments of the present invention will be described in detail. The embodiments according to the present invention are not intended to limit the scope of the present invention but are merely illustrative.

1 is a conceptual diagram of a model of an international online content fee recovery agency business through an alliance between a domestic carrier and an overseas carrier.

The international online content fee collection service provides domestic content providers (CPs) partnerships, local collection agency alliances, simple IPG services (IPG only) using only international collection agency solutions (IPG) for high-paying internet by providing domestic digital content, Global content portal service (IPG + portal) with IPG function that provides Hallyu portal through expansion of international internet line and localization studio, and shopping malls are added to provide domestic digital contents through alliances with goods suppliers and local logistics and delivery companies. It provides three types of services: global content portal and shopping mall services (IPG + portal + shopping mall) with IPG functions.

2 is a service configuration diagram for international online content exchange of domestic digital content according to the present invention.

The International Payment Gateway (IPG) system works in conjunction with the online payment servers of overseas local payment partners, such as overseas telecommunications operators or local collection agencies (overseas payment agencies), to provide local language and national language for many domestic CPs. Online digital content (Hallyu Contents) is provided to overseas users using a convenient payment method, and the local online payment server system pays local online payments and charges, and then makes online payments for digital content used by overseas users. Fees are settled internationally through the International Collection Agency (IPG) system, and the International Collection Agency (IPG) system setstles the fees of overseas users to a number of domestic CPs on a monthly basis.

Domestic CPs are able to increase their overseas paying user revenues by enjoying domestic expansion of their digital content with low costs and risks through internet payments.

The international collection agency (IPG) system will increase the revenue through the international collection agency service and preoccupy the international online content exchange market by paying the small amount of Internet payment for the domestic digital content used by overseas users.

3 is an online payment and settlement data flow chart of an overseas user according to the present invention.

line CP  After signing up for international collection IPG ) Link to system

At the time of payment after the domestic CP subscription, the international collection agency (IPG) system interoperates with customer data (customer DB) and online payment servers of overseas local payment partners such as overseas operators (overseas carriers / collection agencies).

The online payment server of the international collection agency (IPG) system and overseas local payment partners (overseas local operators, overseas carriers / recovery agencies) generates a unique key at the time of the first payment and generates the billing basic key (overseas business customer ID). By interworking, the individual content charging information, individual payment information and some additional information are linked.

The IPG system transmits customer settlement information to a number of subscribing domestic CP's content servers for monthly post-paid settlement of CP-specific settlement information, and calculates the usage fee of digital content (Korean wave content) for overseas users.

By checking the validity of each payment point, we minimize the customer database leakage of overseas users to minimize the rejection of overseas operators and customers, and whether the same person is verified between the content purchaser and the billing customer is CP autonomous risk. CP is responsible.

Prior International Collection Agency ( IPG ) After joining the system CP  join

The domestic CP's overseas operator site agrees to join the IPG system for the use of Korean content, and at that point, it issues a customer identification key by interworking with the overseas operator and the customer DB.

When joining a domestic CP that is affiliated with an IPG system, a corresponding customer identification key is authenticated, and a foreign customer guarantee system for the domestic CP is formed.

4 is a diagram illustrating an international payment procedure scenario according to the present invention.

An overseas user searches the domestic digital contents (Korean wave content, iMBC Dae Jang Geum video) of a domestic CP website in a local language (Japanese, Chinese, English, etc.) and a native language (Hangul) through the Internet (step S10). Request an international online payment (step S11).

When the content server of the domestic CP requests an IPG payment agency to an international recovery agency (IPG) system (step S12), the international recovery agency (IPG) system transmits an online payment page for a local user to an overseas user (step S13). ).

When the overseas user inputs the payment information for the necessary digital content into the international collection agency (IPG) system (step S14), the international collection agency (IPG) system is a foreign country such as an overseas carrier or an overseas payment agency (overseas storage agency). The authentication request for the payment information is requested to the online payment server of the local payment affiliate (step S15).

The overseas user performs user authentication and billing for IPG payment with the online payment server of the overseas local payment affiliate (step S16), and the online payment server of the overseas local payment affiliate receives the payment result with the IPG system. (Step S17), the international recovery agency (IPG) system sends a payment result to the content server of the domestic CP (step S18).

After receiving the payment result, the content server of the domestic CP provides the local digital content (Dae Jang Geum video of iMBC) selected in real time through the Internet network to the computer of the authorized overseas user (step S19).

The online payment server of the overseas local payment partner stores the usage fee for the digital content used monthly by the overseas user (step S20), and deducts the fee for each local storage agency for the usage fee for the used digital content. In the local currency, the international collection agency (IPG) system performs the international payment of the fare for a predetermined number of times per month (once / month) (step S21), and the international collection agency (IPG) system converts the original currency according to the exchange rate at the same time. By deducting a certain fee (fee for each receiving agency + international remittance settlement fee), calculating a storage fee for a number of domestic CPs, and calculating a monthly fee for the use cost of domestic digital contents of a number of domestic CPs. The fee is deducted and the final remittance amount is periodically calculated at a predetermined number of times (once / month) and remitted to a domestic CP account (step S22).

5 is a block diagram of an international recovery agency (IPG) system according to the present invention.

International collection agency (IPG) system 10 according to the present invention is billing web server 11, billing server 12, billing DB 13, management settlement web server 14, management settlement server 15, management It includes settlement DB (16), storage 17, and is linked with the domestic CP system 20 and the online payment server 30 of the overseas local payment partner.

The international collection agency (IPG) system 10 is connected to the online payment server 30 of the overseas local payment partner and interlocks real-time billing information and settlement information, and is linked to the domestic CP system 20, customer information for each CP Management and customer validity authentication are linked, payment module download, real-time billing information linkage, settlement information linkage.

The international collection agency (IPG) system 10 is connected to the online payment server 30 of the overseas local payment partner and a number of domestic CP system 20 to manage customer information for each CP, domestic CP authentication, user authentication, billing A billing / billing system for managing information; And it is connected to the online payment server 30 and the domestic CP system 20 of the overseas local payment partner, the overseas user customer information, CP information, the online payment server information of the overseas local payment partner, the generation and management of payment logs It includes a management / settlement system for managing the settlement information and payment information of the overseas user based on the billing information of the payment / billing system.
It is connected to the online payment server 30 of the overseas local payment partner, and connected to a number of domestic CP system 20, payment / billing for managing customer information management by CP, domestic CP authentication, user authentication, billing information system; And connected to the online payment server 30 of the overseas local payment partner, and connected to the domestic CP system, overseas user customer information, CP information, the online payment server information of the overseas local payment partner, generation and management of payment logs, It includes a management and settlement system for managing settlement information and water receipt information.

The payment / billing system includes a payment web server 11, a payment server 12, and a billing DB 13.

The payment web server 11 is connected to the Internet network to provide a web site in a local language and a native language (Korean), and provides an API for CP, a web for CP, and a payment interworking API.

The payment server 12 performs CP authentication, user authentication, billing processing, and provides a payment processing program (ID / ARS / Fonville / SMS payment in real time processing).

The billing DB 13 stores billing information of individual digital contents used by foreign users.

CP operation web client provides payment module, CP registration procedure, CP-specific payment log and settlement information, self-operation web client provides IPG system information management, log generation and management, and system status monitoring. .

The management / settlement system includes a management settlement web server 14, a management settlement server 15, and a management settlement DB 16, and manages settlement information and performs backup (creation and management of payment log, generation of settlement information). And management).

The management settlement web server 14 is interworked with a predetermined management settlement web client, and provides an operator web, a CP / business web, and a settlement interworking API.

The management settlement server 15 interoperates with the online payment server of the overseas local payment partner to provide an operator web, a CP / business web, and a settlement API.

The management settlement DB 16 stores a CP profile (CP information), a carrier profile (PG information of a foreign telecommunication company), a user profile (overseas user customer information), and settlement information for each CP (receipt payment information, settlement information). .

The storage 17 backs up data of the billing DB 13 and the management settlement DB 16 for safe operation of the data.

The domestic CP system 20 provides a customer validity authentication function upon membership registration, and manages an overseas customer management module, billing and settlement data for domestic digital content (Korean wave content) in conjunction with the international collection agency system 10. do.

The online payment server 30 of the overseas local payment partner is a payment server of an overseas telecommunications operator or an overseas payment agency (local storage agency), a gateway / application server (IPG interworking, internal system interworking, authentication, billing data generation), local overseas User's customer management system (customer authentication linkage), bill settlement system (billing data linkage, bill settlement and collection agency), ARS system for ARS payment (inbound / outbound service), SMSC (authentication for mobile phone payment) For short message interworking), and manages authentication / payment, payment status and settlement status.

6 is a view for explaining a simple IPG service (IPG Only) according to a first embodiment of the present invention.

Many domestic content providers (CPs) interoperate with the international recovery agency (IPG) system 10 to provide their users with digital content (Korean wave content) in their local language or their native language to overseas users. Content revenue can be obtained by making payment through an online payment server 30 of an overseas local payment partner such as an overseas payment agency (local storage agency).

Overseas users can easily purchase their own digital contents (drama, music, movies, games, etc.) from the domestic CP's website online through payment and settlement procedures.

Domestic CP is pioneering the overseas content market in Korea without separate overseas expansion (corporation establishment or partnership).

An overseas telecommunications carrier or an overseas payment agency (local storage agency) that has a payment server (PG) may enter the international collection agency market through a partnership with a domestic recovery service provider and a domestic telecommunications provider (KT).

7 is a view illustrating a global content portal service (IPG + Portal) that also serves as an IPG function according to a second embodiment of the present invention.

A number of domestic content provider (CP) systems interoperate with the international collection agency (IPG) system 10 to provide Korean users with a Korean language portal in their local language or in their native language through online micropayment, and through online micropayments, Content can be earned by paying through a payment server.

Domestic CPs (Korean wave portal providers) provide their digital content to overseas users in connection with the international collection agency (IPG) system 10, and through the online micropayment online payment server 30 of the overseas local payment partner 30 Content can be earned by paying through.

Overseas users purchase the domestic digital contents (Korean Wave contents) through a single point of contact, and domestic CP can diversify and expand the domestic digital contents and provide a business channel of small CP.

Overseas telecommunications operators expand their recovery agency market and pioneer the reverse international recovery agency market, while domestic telecommunications operators (KT) secure overseas contact points for Korean content and enhance their global image.

FIG. 8 is a diagram illustrating a global content portal and shopping mall service (IPG + Portal + Shopping Mall) having an IPG function according to a third embodiment of the present invention.

Promote overseas users to purchase various Korean products in connection with their digital contents through the Hallyu portal and Hallyu shopping mall, and many Korean Hallyu portal / Korean wave shopping mall providers (CP) are linked to the international collection agency (IPG) system 10 Content revenue can be obtained by providing the Korean Wave portal / Hallyu shopping mall, paying the product price by local corporations and local financial companies, and paying through the online payment server 30 of the overseas local payment partner through online micropayment. .

Overseas users purchase various Korean products in connection with their digital content, domestic CP increases sales based on content derivatives revenue (portal / shopping mall revenue) from online micropayments, and domestic shopping malls sell products and overseas It is possible to pioneer overseas sales through subscriber acquisition.

Membership management provided by the international recovery agency (IPG) system 10 can be made in four ways as follows.

Method 1) user identification code recording and management (simple charging interlocking)

Method 2) Membership management based on IPG membership and provision of prepaid electronic wallet

Method 3) Providing identity verification function using IPG membership and credit-based billing method

Method 4) Provide single sign on with CP site

type Membership management of overseas businesses IPG membership management Domestic CP membership management          Considerations Method 1 ○ × × Only billing (IPG Only) Method 2 ○ × ○ IPG system membership, domestic CP basically membership management Method 3 ○ ○ × IPG membership management, IPG system membership, certification, billing Method 4 ○ ○ ○ case3 + SSO

Record and manage user identification code (simple Billing  Linkage) ( Method 1 )

Method 1 is a method in which an overseas / domestic customer performs payment through the international recovery agency (IPG) system 10 internally in a system when paying at a domestic / overseas CP site without registering a member on an IPG site.

The overseas user selects the digital content to purchase from the domestic CP website and clicks the payment button.

When a domestic CP system receives a payment request and directly provides a list of payment methods to be used by an overseas user or transmits the request to the IPG system 10, the IPG system receives an overseas user. Provide a list of payment methods to use.

The overseas user selects a local payment method suitable for him from the payment method list.

The international recovery agency (IPG) system 10 provides an online authentication procedure page for a payment method selected by an overseas user.

The overseas user goes through the online authentication process of the selected payment method.

The international collection agency (IPG) system 10 performs payment verification by linking the corresponding authentication procedure with a local payment solution. Prepaid cards use the direct prepaid card linkage method, and in the case of postpaid payments, it is linked with local overseas payment solutions such as telecommunication charges and credit cards.

Receive user identification code and assign billing record ID through local overseas payment solution and record billing history. The user identification code is a prepaid card number in the case of a prepaid card, a phone number / internet ID or a subscriber identification number by a carrier in the case of a carrier storage agency, and a subscriber identification number in the case of a financial company storage agent.

Notify the domestic CP system whether or not normal charging is provided, and provide IPG service during normal charging with domestic CP.

Overseas users can check the details after the user is authenticated by the same procedure as when charging.

IPG  Membership management based on membership Prepaid  Electronic wallet provided (method 2)

Overseas / domestic customers use e-wallet by separately signing up for the IPG site and additionally receive payment service from domestic / overseas CP sites through IPG ID / PWD (including payment method of method 1).

The payment method of the method 1 is basically provided, and the payment after the payment method of the method 1 may be linked with the ID of the international collection agency (IPG) system 10. If the user further inputs the IDG / PWD of the IPG after the payment process, the user provides a storage and management function according to the personal payment history storage box of the IPG system 10.

The IDG / PWD of the IPG system 10 provides a method of charging and using the electronic wallet.

Membership and Credit Base Billing  Providing identity verification function by means of Method 3 )

Overseas / domestic customers sign up on the IPG site separately, obtain their identity through credit-based billing methods (credit card, telecommunication company subscription information, etc.), and request IPG ID / Acting on behalf of PWD or certificate or special number provided separately,

Alternatively, when requesting the authentication process from the CP site, the international collection agency (IPG) system 10 provides the user authentication through real-time system interworking through the user's credit-based charging means (credit card, carrier subscription information, etc.). Method (the user selects his / her own credit card and carrier and then enters his / her personal information and requests authentication, credit card number / password / expiration date or telephone number / subscriber name / other number),

Alternatively, by using the user identification code of the charging means input by the user based on the charge and receipt payment records previously recorded in the international recovery agency (IPG) system 10 to determine the degree of reliability of the user step by step Informing the domestic CP system,

Or, by using the user's identification code of the charging means input by the user to identify the subscriber in the IPG, and based on the billing and payment records recorded by the subscriber, the degree of reliability of the user is classified into stages in the domestic CP system. Through the notification method, the domestic CP may be provided with personal authentication and reliability information of the customer who wants to use the corresponding charging method.

Method 3 includes the payment method of Method 2, and can provide a prepaid card payment real-time interworking method through ID / PWD of International Collection Agency (IPG).

CP  With the site SSO ( Single Sign On ) offer ( Method 4 )

When an overseas / domestic customer uses a separate IPG site member and logs in to the IPG site, when the international collection agency (IPG) system 10 moves to the homepage of the CP, the CP homepage automatically provides a login to the CP homepage.

After signing up for membership in the international recovery agency (IPG) system 10 and logging in, while moving to the domestic CP homepage, and receiving the IPG authentication information (cookies, etc.) from the domestic CP homepage, the domestic CP homepage In the case of a new interlocking member, CP provides the service according to the policy.

 The domestic CP records the member identification information (ID, member code, member name, etc.) provided by the international recovery agency (IPG) system 10.

 In addition, the domestic CP provides an additional CP homepage approval page, and the customer enters additional information, and then registers and uses it.

The payment method is provided at the method 2 or method 3 level.

However, all payment queries (authentication) go through the authentication process for each payment method in real time regardless of whether the user authentication.

In the present invention, a payment method to be provided to a local user in a local location abroad uses a prepaid payment method and a postpaid payment means in a local storage agency.

Prepaid payment methods performed by overseas storage agencies are largely divided into a prepaid card issuance method and a financial method.

In the former case, a prepaid card is issued by an overseas local storage agent (prepaid card issuer), and the user purchases the prepaid card offline and then enters the card number and password of the prepaid card online and uses it.

After signing up on the homepage of the IPG service provider, enter the card number and password of the prepaid card to charge the corresponding amount in the electronic wallet subordinate to your ID, and use the charged amount by entering the ID and password. have.

At this time, the flow of the usage fee is transferred to the prepaid card issuer (local storage agency) when the user pays offline when the prepaid card is sold, and the prepaid card issuer deducts a certain amount as a fee, and then the local corporate account of the IPG service provider. Send money to Then, according to the international collection agency settlement method, the commission is finally deducted from the domestic CP and then delivered.

Prepaid financial billing methods include debit cards, check cards, etc., and are made through payment methods provided by banks and credit card companies.

In addition, the deferred payment means carried out by the local storage agency abroad includes a billing means such as credit card, Jiro and communication billing means consisting of communication charges, convenience stores and other billing means through a PC room.

In the case of the financial industry, payment is provided by banks and credit card companies.

In the case of the sum of communication charges, payment authentication is largely obtained through the ID and password of the ISP and the web portal company, and the bill is paid by the ISP and the web portal company in the total amount, and through the landline subscriber information, ARS, and CID verification system. The payment method is authenticated by the landline user's identity, and the bill is added to the landline bill, and the subscriber receives the payment verification through the confirmation of the owner of the mobile terminal through SMS, and the bill is added to the mobile bill. There is a way.

In addition, other payment methods include a method of storing a fee directly at a convenience store and a PC room, providing a service, and paying a fee at a convenience store and a PC room. It is applied by charging the corresponding amount in the electronic wallet subordinated to one's ID among the monthly fee or prepaid card usage method, and the price is finally collected through convenience store headquarters, PC room chain store, and PC room service provider.

In the present invention, a local payment method for a local digital content may use a postpaid payment method and a prepaid payment method, and other local payment means may be used as a payment method for an overseas user.

When the overseas user uses the IPG service, the postpaid payment means is charged by an overseas local storage agency, and the user uses a financial billing and communication billing method by paying a fee to the storage agency.

Financial billing method that is paid by local payment agency (local storage agency) by bill for use of domestic CP of domestic CP by local overseas user, and ARS payment and payment server (PG) by ARS system and payment approval system Telecommunication bills paid by wire bill charges including internet phone bill payments, billing systems using phone billing system, internet bill charges (IDP payment), and cellular phone bill charges (mobile phone payment) Use the billing method.

The financial claims are generally used to transfer real money offline in a well-known manner, mainly for purchase of goods rather than content, and for high value transactions. Credit cards (including mobile IC cards, VISA secure payment), individually sent CMS, and Giro are rarely used online, but are linked through a bank.

The communication billing is a billing method that is usually summed up when receiving a communication fee of a communication service provider. When an overseas user pays a content fee online in the following manner, the fee is added to the next month's invoice and the user pays the amount indicated on the invoice. Some are growing.

The telecommunication billing includes wireline billing charges and Internet line billing charges, including ARS billing, phone bills (similar to ARS billing, but the way the billing system calls the user, as opposed to the user calling the ARS device). ID payment (ISP payment)), mobile phone bill total billing (mobile phone payment).

The prepaid payment method uses a method in which a fee on a prepaid card is deducted when an overseas user purchases a prepaid card online or offline, and then uses the service.

In Korea, the usage rate is low but frequently used in overseas countries, and it is mainly used when a foreign user requests payment for domestic digital contents of domestic CP.

Prepaid payment method is 1) payment by using the serial number on the card, such as card number / card password, or 2) using the card purchased by the foreign user after registering on the IPG site in their ID 1) Earn, and domestic CP sites use their ID / PWD, such as payment for payment (ID payment application).

Generally, the trend is to support both methods 1) and 2).

Other ways of claiming convenience stores in Japan (when a user pays a convenience store, the convenience store sends money to the claimant (PG sends money to each CP after collection)), and a Chinese room charge (user pays the bill to a PC room). ) Can be used.

The process by which an overseas user makes a payment using an prepaid card to settle an online payment server of an overseas local payment partner such as a local storage agency is described as follows.

However, the prepaid card includes both a general issued prepaid card (gift certificate) and a bank account linked prepaid card such as a debit card / check card. However, the authentication means (card number / card password, etc.) vary depending on the online processing method of the local actual provider.

The prepaid card provides a direct prepaid card and an IPG ID after the IPG membership.

After joining the IPG member, the IPG ID usage method provides an electronic wallet charging method and a real-time interworking method.

9A illustrates a payment and settlement process using a prepaid card direct method.

An overseas user purchases a prepaid card (including a bank card) from a local prepaid card company and deposits the prepaid card balance.

The overseas user requests to purchase the domestic digital content of the domestic CP by an authentication means (card number / password / other or local authentication means) through a prepaid card.

Overseas local prepaid card company, the international collection agency system 10 and the domestic CP system 20, the prepaid card authentication of foreign users, the balance of the prepaid card, and settles.

Domestic CP system provides local digital contents selected on the web to foreign users' computers through internet network.

9B is a view illustrating an electronic wallet charging method using an IPG ID after joining an IPG member.

An overseas user purchases a prepaid card (including a bank card) from a local prepaid card company, deposits a prepaid card balance, joins an IPG member in the international collection agency (IPG) system 10, and then uses an IPG electronic wallet through a prepaid card. Recharge (card number / password / other or local authentication means).

Prepaid card authentication and prepaid card balances are settled by overseas prepaid card companies for selected content between IPG systems.

The international recovery agency (IPG) system 10 charges the electronic wallet, and the overseas user requests a content purchase through the IPG ID / PWD.

The international recovery agency (IPG) system 10 is a domestic CP system 20 by verifying the IPG member authentication, the balance of the electronic wallet by the IPG ID usage method, and deducts and settles the IPG electronic wallet.

The domestic CP system 20 provides the digital contents selected by the foreign user's computer through the Internet network.

9C is a diagram illustrating a real-time interworking method by using an IPG ID after joining an IPG member.

An overseas user purchases a prepaid card (including a bank card) from a local prepaid card company and deposits the prepaid card balance. After joining the international recovery agency (IPG) system (10), the overseas user performs the IPG electronic wallet linked authentication (card number / password / other or local authentication means) through the prepaid card.

The overseas local prepaid card company authenticates the prepaid card and stores the prepaid card authentication value into the IPG system 10.

When an overseas user requests a content purchase through the IPG ID / PWD to the domestic CP system 20, the international recovery agency (IPG) system 10 verifies the IPG member certification and the electronic wallet of the overseas user, The local prepaid card company authenticates and deducts the balance of the prepaid card with the international collection agency (IPG) system 10.

After the settlement, the digital content selected by the computer of the overseas user from the domestic CP system 10 is provided.

FIG. 9D is a diagram for explaining a settlement procedure and a delinquent defense procedure for each CP of the IPG system.

Local storage agents (overseas payment agencies) are individually assigned to local IPG accounts according to the local storage agency policy when pre-paid card, telephone / cell phone / ID payment / PC room, credit card company / bank, etc. Send money (deduct in commission by agency).

After deducting local commissions (collection commissions + international remittance settlement fees) by means of collection agency from IPG local accounts by country to IPG domestic accounts, send money once a month. When sending money on the same day, the exchange rate is set and the currency is converted into Korean won.

The international collection agency (IPG) system 10 extracts the number / delinquent information for each overseas storage agency, sums the storage fee on a local currency basis for each local storage agency, and, in the case of post-payment means, sums arrears for the domestic CP. And deduct the list of delinquents, collect deduction fee from CP storage fee and exchange fee by CP after exchange, and remittance once per month to the corresponding accounts by a number of domestic CPs.

The international collection agency (IPG) system 10 extracts the collection payment information by interlocking the payment receipt information of the local storage agency's reference period (one month) on the basis of local currency and confirms the actual local account deposit amount.

The arrears defense procedure may be automatically stopped by a prepaid or postpaid storage agency and an individual foreign user by the international collection agency (IPG) system 10 (postpaid limitation).

In the case of the prepaid method, the storage agency automatic stop automatically stops the payment procedure using the prepaid card when the prepaid authentication amount on the IPG log is compared with the actual local account transfer amount and the prepaid transfer of the storage agency is overdue for a certain period.

In the case of postpaid payment, the automatic payment agency automatically stops the payment procedure using the prepaid card when the prepaid remittance of the storage agency is overdue for a certain period and the comparison between the deferred payment amount on the IPG log and the total amount of payment / delinquency.

The automatic suspension of each foreign user (post-paid limitation) 1) records the user identification code at every payment in case of postpay, 2) automatically checks the user identification code of the delinquent person over a certain period and records the payment refusal and rejects the payment, 3) It can be stopped automatically according to local collection agency's charge collection policy (communication fee, etc.) and the company's separate request.

In the case of the postpay payment, the user identification code record is extracted from the user identification code including the phone number / internet ID or the subscriber identification number by the telecommunication company and the subscriber identification number by the financial company in the case of the banking agency. The code is converted to an internal user identification code and a record of user information (payment level setting, delinquency status record, payment limit record, payment refusal record (linked with local collection agency if necessary)).

The user's identification code of the delinquent user over a certain period, a certain amount of money overdue, a record of payment refusal and a payment refusal are settled by the international collection agency (IPG) system 10 for a certain period delinquent accumulator and a certain amount of delinquent accumulator. Reject. The international collection agency (IPG) system 10, if necessary, grants the function to identify the user to the domestic CP, and requests a stop payment payment to the local storage agency.

The international collection agency (IPG) system 10 may be automatically stopped according to the fee storage policy (communication fee, etc.) of the overseas storage agent and the separate request of the corresponding domestic CP.

At the time of automatic stop, the international collection agency (IPG) system 10 automatically sends the user identification code of the collection agency to the online payment server 30 of the overseas local payment partner, and records the payment decline in the IPG user information record. Leaving, the international collection agency (IPG) system 10 rejects the payment upon the payment request of the corresponding recognition code user, and, if necessary, grants the user confirmation function to the domestic CP system.

The fee deduction and final remittance calculation procedures use the local currency-based fee settlement method and the won-based settlement method by the IPG system 10.

Local currency fee settlement method

The international collection agency (IPG) system 10 derives the domestic CP-specific storage amount by local storage agency, local storage agency commission (% or certain amount), local settlement and international remittance fee (% or certain amount), domestic After calculating the amount deducting the settlement fee (% or a certain amount), the amount of the calculation (foreign currency before exchange) is notified for each domestic CP.

The international recovery agency (IPG) system 10 calculates the sum of the amounts collected by each receiving agency for each domestic CP, and then informs the calculated amount (foreign currency before exchange) for each domestic CP.

The international recovery agency (IPG) system 10 notifies each domestic CP of the amount of exchange after calculation and the amount of calculation (Korean currency after exchange) that reflects the exchange rate based on international regular transfers.

The international recovery agency (IPG) system 10 deducts a domestic remittance fee if necessary, and then transfers the Hanwha amount to the corresponding account by domestic CP after exchange.

Won-based settlement method

The international collection agency (IPG) system 10 derives the domestic CP-specific storage amount for each local storage agency, and deducts the local storage agency fee (% or a certain amount), local settlement and international remittance fee (% or a certain amount) from the storage amount. After calculating the amount, converting the amount reflecting the exchange rate standard for international remittance, calculating the amount and deducting the domestic settlement fee (% or a certain amount), and notifying the calculated amount for each CP (Korean currency after exchange).

The international recovery agency (IPG) system 10 calculates the sum of the amounts collected by each receiving agency for each domestic CP, and then informs the calculated amount for each domestic CP (Korean currency after exchange).

The international recovery agency (IPG) system 10 deducts a domestic remittance fee if necessary, exchanges the money, and remits the Hanwha amount to a corresponding account for each domestic CP.

However, the international remittance fee and the domestic settlement fee may be calculated and deducted by individual storage agencies as described above, or may be calculated and deducted based on the total amount by domestic CP.

Domestic telecommunications operators can activate international cultural contents business by distributing their own digital contents, earn commission fees from the IPG system 10, and diversify their businesses based on domestic digital contents linked derivatives. To enter new industries.

As described above, although described with reference to a preferred embodiment of the present invention, those skilled in the art various modifications of the present invention without departing from the spirit and scope of the invention described in the claims below Or it may be modified.

As described above, the international collection agency system and method for international online payment for digital content according to the present invention includes digital content including games, dramas, movies, and music in an online market provided by domestic CP to foreign users. To provide international online content fee collection service for Internet micropayment through IPG system connected to online payment server of overseas local payment affiliates and deduct the fee to distribute the fee to multiple domestic CPs To make money.

In addition, the International Collection Agency (IPG) system is connected to overseas payment partners' online payment servers, preoccupying the global online content exchange market and the international micropayment market, and expanding the global business of domestic digital contents of domestic CP. It can provide a bridgehead for international cultural content paths by presenting access points for Korean wave contents, seize opportunities for diversifying domestic businesses based on cultural contents, and increase sales of Korean wave contents overseas.

Claims (23)

In the international collection agency system for the international online payment for digital content, A payment / billing system for managing domestic CP certification, user authentication, and billing information connected to an overseas payment partner's online payment server and a domestic CP system; It is connected to the online payment server and domestic CP system of the overseas local payment partner, the overseas user customer information, CP information, the online payment server information of the overseas local payment partner, the generation and management of the payment log, and of the payment / billing system A management / settlement system for managing settlement information and payment receipt information of foreign users based on billing information; And Storage for backing up the billing information of the payment / billing system, the settlement information and the deposit payment information of the management / settlement system for overseas users by domestic CP International collection agency system for international online payment for digital content, including. The method of claim 1, The payment / billing system, A payment web server connected to the Internet network and providing a website in a local language and a native language (Korean), and providing an API for CP, a web for CP, and a payment interworking API; A payment server that provides a payment processing program (ID / ARS / Fonville / SMS payment in real time) and performs CP authentication, user authentication, and billing processing; And A billing DB for storing billing information of individual digital contents used by foreign users; International collection agency system for international online payment for digital content, including. The method of claim 2, The payment / billing system, The digital content further includes a CP operation web client for providing a payment module, providing a CP registration process, providing payment log and settlement information for each CP, and managing IPG system information, generating and managing logs, and monitoring system status. International collection agency system for international online payments. The method of claim 1, The management / settlement system, A management settlement web server interworking with the management settlement web client and providing a management settlement operator web, a CP / business web, and a settlement interworking API; A management settlement server interoperating with the online payment server of the overseas local payment partner to provide an operator web, a CP / business web, and a settlement API; And A management settlement DB for storing CP profiles (information of CP), operator profiles (PG information of foreign telecommunication companies), user profiles (overseas user customer information), and settlement information for each CP (receipt payment information, settlement information); International collection agency system for international online payment for digital content, including. The method of claim 1, The online payment server of the overseas local payment partner, Gateway / Application Server (IPG Integration, Internal System Integration, Authentication, Billing Data Generation), Local Overseas Customer Management System (Customer Authentication Integration), Billing Payment System (Billing Data Integration, Billing and Collection Agency), ARS Payment Including the ARS system (telephone payment service), SMSC (authentication short message interworking) for mobile phone payment, and international information on digital content, characterized in that it manages authentication information / payment information, payment status, settlement status information International collection agency system for online payments. The method of claim 1, The domestic CP system, When signing up for membership, it provides customer validity verification function and interlocks with the international collection agency (IPG) system to manage international customer management module, billing and settlement data for domestic digital content. International recovery agency system for In the international collection method for the international online payment for digital content, (a) requesting an international online payment of a domestic CP by searching a local digital content of a domestic CP website in a local language and a native language by an overseas user on the Internet; (b) requesting an IPG payment agent from the content server of the domestic CP to an international collection agency (IPG) system, the international collection agency (IPG) system transmitting an online payment page for a local user to an overseas user; (c) When the overseas user inputs the payment information for the necessary digital content into the international collection agency (IPG) system, the international collection agency (IPG) system is an overseas local company such as an overseas telecommunication company or an overseas payment agency (overseas storage agency). Requesting authentication of the payment information to an online payment server of a payment affiliate company; (d) perform user authentication and billing for IPG payment from the overseas user to the online payment server of the overseas local payment partner, and the payment result from the online payment server of the overseas local payment affiliate to the international collection agency (IPG) system Sending, and the IPG system transmits a payment result to a content server of the domestic CP; (e) after the payment result is received, the content server of the domestic CP transmitting the local digital content selected in real time through an internet network to a computer of an authorized foreign user; And (f) The online payment server of the overseas local payment partner stores a monthly fee for the digital content used by the overseas user, and deducts a fee for each local storage agency from the fee for the digital content used. In the local currency, the international collection agency (IPG) system conducts international payments for a certain number of times per month (one time / month), and the international collection agency (IPG) system converts the currency into won according to the exchange rate at the time of remittance on the day. Deduct the fee (fee for each receiving agency + international remittance settlement fee), calculate the storage fee for a number of domestic CPs, and settle the fee for using domestic digital content of multiple domestic CPs domestically for a predetermined number of times (one time) / Month) to deduct the fee and the final remittance amount to the domestic CP-specific account; International collection agency method for international online payment for digital content, including. The method of claim 7, wherein Financial billing method paid by billing fee by overseas payment agency (overseas storage agency) for use of digital content by local overseas user, wired telephone bill including ARS payment and phone bill payment by ARS system and payment approval system Billing, billing of internet line charges (ID payment (ISP)), or billing of mobile phone bills (mobile phone) are stored locally and sent to the online payment server of the overseas billing partner. An international collection agency method for international online payment for Internet content, characterized by inputting information. The method of claim 7, wherein When the overseas user purchases a prepaid card online or offline and uses an international collection agency service for using the digital content for the micro payment of a local overseas user, use a prepaid payment method that deducts the fee on the prepaid card. The international collection agency method for the international online payment for the digital content, characterized in that the information stored in the local on-shore storage and entering the online payment server of the overseas local payment partner. The method of claim 9, The prepayment means, Pay with your card number / card password or serial number on your card, Overseas users can use the card purchased for their ID after signing up on the IPG site to make a payment by using the card number / card password and the serial number on the card.In the domestic CP site, their ID / PWD International collection agency method for international online payment for digital content, characterized in that the payment for payment (ID payment) using. The method of claim 9, The method using the prepaid card, International pre-payment for international online payment for digital content, which includes a prepaid card direct use method, an IPG ID use method after joining an IPG member, and the IPG ID use method includes an electronic wallet charging method and a real-time interworking method. How to act. The method of claim 7, wherein Membership management of the international collection agency (IPG) system simply records and manages user identification codes linked to billing only, manages members based on IPG membership and uses prepaid electronic wallets, and authenticates users using IPG membership and credit-based billing means. International collection agency for the international online payment for digital content, characterized in that using any one of the function, SSO (Single Sign On) with a domestic CP site. The method of claim 7, wherein Step (f), Remittance from local payment agency (local storage agency) by deducting fees for prepaid card, telephone / cell phone / ID payment, financial company such as credit card company / bank, and local storage agency for offline storage, and then remittance to local IPG local account by local currency Then, by deducting the local fees (payment fees by the receiving agency + international remittance settlement fee) by the collection agent from the IPG local account by country to the IPG domestic account by the international collection agency (IPG) system, the exchange rate is set at the same day. And international collection agency method for international online payment for digital content, characterized in that the exchange of money in won and remitted to the corresponding account by domestic CP on a monthly basis. The method of claim 7, wherein Step (f), Extract the number / delinquent information for each storage agency by the IPG system, add storage fees based on local currency for each storage agency, and derive a list of delinquent fees for CP and delinquent list for postpay And, the international collection agency method for the international online payment for digital content, characterized in that the management of the local payment by local CP, by local storage agency. The method of claim 7, wherein International online payment for digital content further including the automatic stop of prepaid or postpaid local storage agency by the above international collection agency (IPG) system, and the arrears defense step of automatically stopping (postpaid limitation) for each foreign user. International recovery agency method. The method of claim 15, In the case of prepaid scheme, the storage agency automatically stops the payment procedure using the prepaid card when the prepaid transfer of the storage agency is overdue for a certain period by comparing the prepaid certification amount on the IPG log with the actual local account remittance amount. International collection agency method for international online payment for digital content. The method of claim 15, In the case of a postpaid method, the automatic stop of the storing agency automatically stops the payment procedure using the prepaid card when the prepaid remittance of the corresponding storage agency is overdue for a certain period and the comparison between the postpaid authentication amount on the IPG log and the total amount of arrears / delinquent payments. International collection agency method for international online payment for digital content. The method of claim 15, The automatic stop according to the foreign user individual, In the case of postpay by the International Collection Agency (IPG) system, the user identification code is recorded at every payment, For a certain period of time, the automatic check of the delinquent identification code of the overdue user over a certain amount, and the record of payment decline and declined the payment, An international collection agency method for international online payment for digital contents, which is automatically stopped according to a local collection agency's charge collection policy (communication fee, etc.) and the company's separate request. The method of claim 7, wherein The fee deduction and final remittance calculation procedure of the international collection agency (IPG) system uses the local currency-based fee settlement method, and the won-based settlement method, international collection agency for international online payment for digital content. In the international collection agency method for micropayment of digital content, An overseas user purchases a prepaid card (including a bank card) from a local prepaid card company and deposits the prepaid card balance, and the home country of the domestic CP by means of authentication through the prepaid card (card number / password / other or local authentication means). Requesting to purchase digital content; An overseas local prepaid card company, an international collection agency (IPG) system, and a domestic CP system are configured to perform prepaid card authentication, deduction of a balance of a prepaid card, and the settlement of a prepaid card by a foreign user for the selected content data; And Providing the local digital content selected on the web from a domestic CP system to a computer of an overseas user through an internet network; International collection agency method for international online payment for digital content, including. In the international collection agency method for micropayment of digital content, An overseas user purchases a prepaid card (including a bank card) from a local prepaid card company, deposits the prepaid card balance, joins an IPG member in the International Collection Agency (IPG) system, and then authenticates with a prepaid card (card number / password / Charging the IPG wallet by other or local authentication means; Prepaid card authentication between the local prepaid card company and the international collection agency (IPG) system, the balance of the prepaid card deducted; The international collection agency (IPG) system charges the electronic wallet by the IPG ID using method, and requesting the purchase of content to the domestic CP system through the IPG ID / PWD from overseas users; IPG member authentication, electronic wallet balance verification, IPG electronic wallet deduction and settlement from the international recovery agency (IPG) system to the domestic CP system; And Providing the local digital content selected from a domestic CP system to a computer of an overseas user; International collection agency method for international online payment for digital content, including. In the international collection agency method for micropayment of digital content, Foreign users purchase prepaid cards (including banking cards) from local prepaid card companies, deposit the prepaid card balance, and enroll as IPG members in the International Collection Agency (IPG) system, and the overseas users authenticate the means (card number / password / others). Or interworking authentication of the IPG electronic wallet through the prepaid card by local authentication means; A local overseas prepaid card company authenticates the prepaid card and stores a prepaid card authentication value in the international collection agency (IPG) system; Requesting a foreign user to purchase digital content through IPG ID / PWD to a domestic CP system; Verifying and verifying an IPG member certification and an electronic wallet of an overseas user by an IPG ID using method of the international recovery agency (IPG) system; Overseas local prepaid card company to verify and deduct the balance of the prepaid card with the international collection agency (IPG) system; And Providing a digital content selected by a foreign user's computer from a domestic CP system after the settlement; International collection agency method for international online payment for digital content, including. (A) searching a computer for local digital contents of a domestic CP website in a local language and a native language by an overseas user on the Internet, and requesting international online payment of the domestic CP; (b) requesting an IPG payment agent from the content server of the domestic CP to an international recovery agency (IPG) system, the international recovery agency (IPG) system is configured to transmit an online payment page for a local user to an overseas user; (c) When the overseas user inputs the payment information for the necessary digital content into the international collection agency (IPG) system, the international collection agency (IPG) system is an overseas local company such as an overseas telecommunication company or an overseas payment agency (overseas storage agency). Requesting authentication of the payment information to an online payment server of a payment affiliate company; (d) perform user authentication and billing for IPG payment from the overseas user to the online payment server of the overseas local payment partner, and the payment result from the online payment server of the overseas local payment affiliate to the international collection agency (IPG) system Sending, and the international recovery agency (IPG) system has a function of transmitting a payment result to the content server of the domestic CP; (e) after receiving the payment result, the content server of the domestic CP transmits the local digital content selected in real time through an internet network to a computer of an authorized foreign user; And (f) The online payment server of the overseas local payment partner stores a monthly fee for the digital content used by the overseas user, and deducts a fee for each local storage agency from the fee for the digital content used. In the local currency, the international collection agency (IPG) system conducts international payments for a certain number of times per month (one time / month), and the international collection agency (IPG) system converts the currency into won according to the exchange rate at the time of remittance on the day. Deduct the fee (fee for each receiving agency + international remittance settlement fee), calculate the storage fee for a number of domestic CPs, and settle the fee for using domestic digital content of multiple domestic CPs domestically for a predetermined number of times (one time) / Month) to deduct the fee and calculate the final remittance on a regular basis to realize the function of remittance to accounts by CP per domestic A computer-readable recording medium recording the program.

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