KR20020058634A - Apparatus for Telephone Payment Server and Method for Payment Approval/Cancellation on Electronic Commerce - Google Patents

Abstract

1. TECHNICAL FIELD OF THE INVENTION

The present invention relates to a telephone bill payment server apparatus in an e-commerce shopping mall and a payment approval / purchase cancellation method using the same.

2. The technical problem to be solved by the invention

The present invention provides a telephone billing server device that allows a subscriber who wants a small purchase to make a payment using a technology that does not require a separate protocol, and charges a general telephone number to pay the price after purchasing a product together with a telephone bill. To provide a method for approving and canceling a payment using the same and a computer-readable recording medium recording a program for realizing the method.

3. Summary of Solution to Invention

The present invention includes: common gateway interfacing means for transmitting user information and purchase product information to a telephone billing server daemon means, and for conveying a result of payment approval or cancellation of purchase to the user; The telephone billing server daemon means for generating a telephone billing server child process for receiving payment authorization or cancellation information from the common gateway interfacing means and providing a payment authorization or cancelation function; The telephone billing server child process means generated by the telephone billing server daemon means for directly performing user authentication with the user information; User and product information storage means for storing user and product information; And transaction identifier storage means for managing the transaction.

4. Important uses of the invention

The present invention is used in electronic commerce systems and the like.

Description

Phone bill payment server device in e-commerce shopping mall and payment approval / purchase cancellation method using the same {Apparatus for Telephone Payment Server and Method for Payment Approval / Cancellation on Electronic Commerce}

The present invention relates to a telephone bill payment server device in an e-commerce shopping mall, a payment approval / purchase cancellation method using the same, and a computer-readable recording medium recording a program for realizing the method. A telephone fee that allows a shopping mall to pay for a shopping mall in post-paid form to a general public switched telephone network (PSTN) / ISDN number rather than a conventional credit card or electronic money in an e-commerce shopping mall. A payment server device, a method for approving and canceling a payment using the same, and a computer-readable recording medium for realizing the method.

Various technologies and protocols have been developed and applied in the payment methods for purchased goods in e-commerce shopping malls, but now payment through linkage with media used in existing commerce (banks, securities, insurance companies, etc.) such as credit cards Methods and payment methods through protocols such as e-commerce wallets are being used.

When using the credit card to make a payment, when purchasing a relatively small amount (small amount) of the product, it is disadvantageous to pay a fee to the credit card company, the method of the electronic payment protocol is also a protocol. The software is ported to the system of e-commerce subscribers and operators as a software output, and there is a limit of operator benefits compared to the cost of protocol development and software. In other words, developing a low-cost protocol is essential.

Various payment protocols have been proposed for e-commerce, and as a way to support interoperability among them, related projects at the World Wide Web Consortium (hereinafter referred to as "W3C") and CommerceNet (CommerceNet) Is in progress. Under multiple payment systems, both consumers and sellers can assist in the selection of the appropriate payment system for any given transaction, extending to the Hyper Text Transfer Protocol (hereinafter referred to as "HTTP"). I developed the Protocol Extension Protocol (hereinafter referred to as "PEP") and Universal Payment Preamble (hereinafter referred to as "UPP") protocols and conducted a demonstration in 1997.

In the e-commerce shopping malls, the use of a micropayment system having a relatively small unit of information has been increasing. In such a system, the processing speed and cost of information are the biggest issues. Therefore, a protocol optimized for small transactions between two parties with frequent transactions is being researched and developed. In addition, there is a Secure Electronic Transaction ("SET") technology as an electronic payment protocol made by Visa and MasterCard for the security of using a credit card as a means of payment. The credit card transaction system that we use in our daily lives can be used safely in electronic commerce through the Internet.

However, since these protocols require a lot of development costs and are implemented as separate protocols, there is a problem that a separate cost is required for a user or a shopping mall operator.

The present invention has been proposed in order to solve the above problems, the payment to the subscriber who wants to make a small purchase with a technology that does not require a separate protocol, and charges a general telephone number to pay the price after purchasing the product It is an object of the present invention to provide a telephone bill payment server device that allows payment at the time of payment, a payment approval / purchase cancellation method using the same, and a computer-readable recording medium recording a program for realizing the method.

That is, the present invention provides a post-payment payment technology that enables an e-commerce shopping mall user to pay for a shopping mall purchase to a telephone number that he or she is using without additional equipment such as a separate credit card or electronic payment protocol. It is an object of the present invention to provide a telephone bill payment server device, a payment approval / purchase cancellation method using the same, and a computer-readable recording medium storing a program for realizing the method.

1 is an exemplary configuration diagram of an electronic commerce system for telephone bill payment to which the present invention is applied.

2A and 2B illustrate an embodiment of a process process between a telephone billing server and a telephone billing gateway device according to the present invention;

3 is a flowchart illustrating a process of processing a common gateway interface for payment approval in a payment approval service process of a telephone billing server device according to the present invention;

4 is a flowchart illustrating a process of processing a common gateway interface for canceling a purchase in a cancellation service process of a telephone billing server device according to the present invention;

Figure 5 is a flow diagram of an embodiment of the service processing of the telephone billing server daemon according to the present invention.

* Explanation of symbols for the main parts of the drawings

201: telephone billing server

202: payment payment 203: payment approval common gateway interface

204: telephone billing server daemon 205: telephone billing child process

207: Transaction Identifier Database

208: User and product information database

210: telephone billing gateway device

211: telephone billing gateway daemon

213: transactional database

214: Intelligent Network Customer Management System

215: Public Switched Telephone Network / Integrated Information Network Customer Management System

216: Public line switching telephone network / comprehensive information communication network fee management system

The apparatus of the present invention for achieving the above object, in the telephone billing server device for an e-commerce service, the user information and purchase goods information is transmitted to the telephone billing server daemon means, and the result of the payment approval or cancellation of purchase Common gateway interfacing means for delivering to the user; The telephone billing server daemon means for generating a telephone billing server child process for receiving payment authorization or cancellation information from the common gateway interfacing means and providing a payment authorization or cancelation function; The telephone billing server child process means generated by the telephone billing server daemon means for directly performing user authentication with the user information; User and product information storage means for storing user and product information; And transaction identifier storage means for managing the transaction.

On the other hand, the method of the present invention, the payment approval / purchase cancellation method applied to the telephone billing server device, comprising: a first step of connecting a common gateway interface and a socket, generating a telephone billing child process to receive a message; A second step of comparing the received message to determine whether it is a payment approval request or a purchase cancellation request; A third step of requesting payment approval for payment approval and delivering the response result to the user if the payment is approved in the second step; And a fourth step of requesting the cancellation of purchase and delivering the response result to the user as a result of the determination of the second step.

On the other hand, the present invention, the telephone billing server device having a large-capacity processor, a first function for connecting a common gateway interface and a socket, generating a telephone billing child process to receive a message; A second function of comparing the received message to determine whether the request is a payment authorization request or a cancellation request; A third function of requesting payment approval for payment approval and delivering the response result to the user if the payment is approved as a result of the determination of the second function; And a computer-readable recording medium having recorded a program for realizing a fourth function of requesting the purchase cancellation and delivering the response result to the user as a result of the determination of the second function.

The above objects, features and advantages will become more apparent from the following detailed description taken in conjunction with the accompanying drawings. Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings.

1 is an exemplary configuration of an electronic commerce system for telephone bill payment to which the present invention is applied.

As shown in FIG. 1, the electronic commerce network for telephone bill payment includes a telephone user 101 using electronic commerce using a public line switching telephone network, and the public line switching telephone network connecting an electronic commerce of a telephone user ( PSTN 102, a local area telephone switching system (PBX) 103 that connects the telephone user 101 with a call center / agent 104, the telephone user 101, or an Internet user 105. The call center / agent 104 that accepts product information, goods delivery status, purchase cancellation, usage inquiries, complaints, etc., an Internet user 105 who uses e-commerce using the Internet 106, and an intruder for security A web / mult / system that implements a firewall 107, an e-commerce internal LAN 108 connecting a server and a gateway device, a web server, a merchant server, and a telephone billing server on one platform. Telephone billing server (109), electronic Database server 110 for storing all the data generated in the commerce, distribution center or delivery company 111 to deliver the information purchased by the user, telephone billing gateway device 112 for the telephone bill payment method, telephone bill Intelligent Network Customer Management System (113) and Public Switched Telephone Network (PSTN) / ISDN Customer Management System (114) that stores subscriber information for payment, and PSTN / ISDN for billing telephone numbers And a fee management system 115.

Referring to the configuration of the electronic commerce system for the telephone bill payment service configured as described above in detail as follows.

The web / mart / telephone billing server (109) is a system for internet users to access for the first time through the internet network 106 for electronic commerce. It is also in charge of interworking with other companies' shopping malls and company networks.

The merchant server 109 is an e-commerce mall operation management system that is responsible for a function for purchasing and trading of electronic catalogs, advertisements, and product display. He is also responsible for after-services such as customer care, refunds, and objections that occur in the cyber business area. In addition, an intrusion prevention system (firewall) 107 may be placed to prevent unauthorized access of the e-commerce network.

The telephone billing server 109 is implemented in software in a merchant server, and is a server that is activated at the point of payment after purchasing a product and functions to interwork with the customer management systems 114 and 116 for a general telephone number. Along with the responsible telephone billing gateway device 112 is responsible for the integrated billing to the telephone bill.

In the e-commerce network for telephone bill payment, the internet user 105 accesses the web / merchant / telephone billing server 109 through the existing internet network 106. This process is performed by the internet user 105. This is done by running a Web client program such as Internet Explorer, Netscape, etc., on a personal computer of one's own, and clicking a specific site to purchase goods.

A user accessing a shopping mall searches for product information provided by a merchant server and purchases a desired item. The user who wants to purchase the product selects the payment method displayed from the merchant server on the personal computer to pay for the purchase of the product. When the telephone bill payment method is selected, it is implemented and implemented in the merchant server. You will be linked to a telephone billing server, which will perform the payment process.

The telephone bill payment system includes a telephone bill payment server 109 and a telephone bill payment gateway device 112. The telephone bill payment gateway device 112 is a customer management system 113 or 114 that is an external system of an e-commerce network. They interact with each other to handle the authentication process for the user. In addition, after the telephone billing processing is completed, the telephone billing gateway device 112 transmits the telephone billing information to the billing management system 115, and generates a telephone bill to the existing PSTN / ISDN subscribers. In the fee management system 115 to be sent, the purchase price of goods through the telephone bill payment is added to the bill and served to the subscriber.

2A and 2B are diagrams illustrating an embodiment of a process between a telephone billing server and a telephone billing gateway device according to the present invention.

First, the telephone bill payment server 201, 220 provides two services to the user of the Internet e-commerce shopping mall. The service is provided through the telephone bill payment procedure and the service providing the telephone bill payment procedure after the product purchase. It is a service that can request cancellation of goods.

The telephone bill payment server for providing the above service transmits the user information, such as the purchaser, billing phone number, and social security number, input from the user, and the product information to be stored in the shopping cart to the telephone bill payment server daemons 204 and 224. Phone charges for generating a child process to provide payment approval or purchase cancellation function by receiving payment approval or purchase cancellation information from the common gateway interface 203 or 223 in charge of the work or the common gateway interface 203 or 223 It is created by the payment server daemons 204 and 224 and the telephone billing server daemons 204 and 224 to perform interworking functions with the telephone billing gateway devices 210 and 230 that directly perform user authentication with user information. Phone billing server child process (205, 225), and the information received from the merchant server The market includes a user and product information database 208, 227, and a transaction identifier database 207, 226 for managing transactions, which are basic units processed in the telephone billing server 201, 220. do.

The inter-process processing procedure for approving payment and canceling a purchase under the above components is as follows.

As shown in FIG. 2A, first, when a payment approval request is generated through a telephone bill payment method of an e-commerce shopping mall user, the payment approval processing procedure may include a corresponding payment approval common gateway interface 203. And sends the payment authorization request to the telephone billing server daemon 204.

The telephone billing server daemon 204 generates a telephone billing child process 205 to perform a function for user authentication, and the telephone billing gateway daemon 211 of the telephone billing gateway device 210 is provided. Send a request message for customer authentication.

The telephone billing gateway daemon 211 generates a telephone billing gateway child process 212 after receiving the request message, and the telephone billing gateway child process 212 is the intelligent network customer management system 214 or PSTN / The ISDN customer management system 215 sends the request message including the customer information.

The intelligent network customer management system 214 or the PSTN / ISDN customer management system 215 confirms whether the customer information of the request message received from the telephone billing gateway device 210 is a valid customer through its database inquiry, and The result is transmitted to the telephone billing gateway device 210. The telephone billing gateway device 210 records the received result and other information in the transaction database 213 and transmits the result to the telephone billing server 201.

In order to notify the user of the payment approval result, the result information is transmitted to the payment approval common gateway interface 203, and the corresponding Java server page (jsp) is called according to the payment approval success and failure to display the result to the user. (206).

On the other hand, the telephone billing gateway device 210 measures statistical data (daily statistics) at a predetermined time, records it in a statistical database, and the charging data process measures the charging data at a predetermined time, and charges the billing information to PSTN / And transmits to ISDN charge management system 216.

As shown in Figure 2b, the purchase cancellation processing procedure, the user requests the shopping mall counselor to cancel the purchase of the goods (221), the purchase cancellation for the telephone billing goods by the counselor received the cancellation request A demand arises.

Thereafter, the corresponding purchase cancellation common gateway interface 223 is generated by the purchase cancellation request and transmits a purchase cancellation request to the telephone billing server daemon 224.

The telephone billing server daemon 224 creates a telephone billing child process 225 to perform a purchase cancellation procedure.

The telephone billing child process 225 transmits a purchase cancellation message to the telephone billing gateway daemon 231 of the telephone billing gateway device 230, and the telephone billing gateway daemon 231 performs a purchase cancel function. A phone billing gateway child process 232 to create a new billing gateway.

The telephone billing gateway child process 232 updates the contents of the database in which the previously approved information is recorded with cancellation information for canceling the purchase, and transmits the result to the telephone billing server 220.

The telephone bill payment server 220 transfers the result message received from the telephone bill payment gateway device 230 to the corresponding cancellation cancellation common gateway interface 223.

The success or failure result of the cancellation of purchase is output on the corresponding html screen of the counselor.

3 is a flowchart illustrating a process of processing a common gateway interface for payment approval in a payment approval service process of a telephone bill payment server device according to the present invention.

The payment approval common gateway interface is activated at the beginning of the system's initial operation, and contains an Internet Protocol (IP) address and port number in the initialization file for TCP / IP communication with the telephone billing server. The initialization is started by reading a host name and the like (301). Then, the buffer used in the program is deleted (302).

Upon receipt of the user's data and product information from the web page (303), the information is stored (304) in a predefined data structure for transmission to the telephone billing server daemon. Then, the message header to be transmitted to the telephone billing server daemon is first transmitted (305), and the message data is transmitted (306).

The payment approval common gateway interface checks whether there is a response while driving a timer after data transmission (307), and if there is no response for a predetermined time as a result of the confirmation, terminates the program (309) and receives the response message when the response is received. The payment approval result code and the result message in the response message are output to the web (308).

4 is a flowchart illustrating a process of processing a common gateway interface for canceling a purchase in a canceling service of a telephone billing server device according to the present invention.

The Cancel Common Gateway Interface is activated at the beginning of the system's initial operation, and is used for the TCP / IP communication with the telephone billing server in the initialization file for the Internet Protocol (IP) address and port number, Initialization is started by reading a host name and the like (401). Then, the buffer used in the program is deleted (402).

Receive a transaction identifier (TID) to cancel from the agent web page (403), and then first transmit a cancellation message header to be sent to the telephone billing server daemon (404), and then transmit a transaction identifier (TID) to cancel ( 405).

The purchase cancellation common gateway interface checks the response from the telephone billing gateway device while driving the timer after data transmission (406). If there is no response for a predetermined time as a result of the confirmation, the program terminates (408), and the confirmation result response message. If is received, the cancellation result code and the result message in the received response message are output to the web (407).

5 is a flow chart of an embodiment of a service processing procedure of a telephone billing server daemon according to the present invention.

The telephone bill payment server daemon provides a telephone bill payment service by interworking with a payment gateway and a telephone bill gateway device, and provides two services of payment approval and cancellation of purchase.

First, a socket connection is made with a payment approval and cancellation cancellation common gateway interface for socket communication (501), and a child process is created (502) to perform a corresponding service.

The child process conveys all information received from the common gateway interface, where message headers and data are passed (503, 504).

The child process determines whether it is a payment approval request or a purchase cancellation request based on the received header information (505).

As a result of the determination, in the case of the payment approval request message, the order list is parsed based on the user information and the product information received from the common gateway interface (506). This is because the merchandise information transmitted from the merchant server through the common gateway interface includes the merchandise information using the order number as a key, and thus, it is necessary to separate the merchandise by the store.

Next, a unique transaction identifier (ID) is assigned for each separated transaction (507). In case of payment approval, an authentication procedure is performed for the user information stored in the external customer management system through the telephone billing gateway device, and thus the socket connection is attempted with the telephone billing gateway daemon (508). A payment approval request message header and user data are transmitted to the telephone billing gateway daemon (509, 510), and the result thereof is received (511). Here, the reception result of the payment approval includes authentication information of the corresponding user, and also includes a result message for disallowing payment approval such as a delinquent subscriber, a corporate telephone number, and a password mismatch. The communication with the telephone billing gateway device is performed using the transaction identifier (TID) as a key, and the telephone billing server child process stores the result information on the transaction having the corresponding transaction identifier (TID) in the database (512). .

The result information such as the result code and the result message is transmitted back to the corresponding common gateway interface (513).

As a result of the determination (505), in the case of a purchase cancellation request message, after making a socket connection with the telephone billing gateway daemon (514), the product purchase information exists in the database of the telephone billing server and the telephone billing gateway device. Deleting it will allow you to process the cancellation service. Accordingly, the telephone billing server child process immediately transmits a transaction identifier (TID) corresponding to the purchase cancellation to the telephone billing gateway daemon in order to update the transaction database of the telephone billing gateway device (515).

The telephone billing gateway daemon deletes the corresponding transaction identifier (TID) existing in its transaction database using the transaction identifier (TID) of the purchase cancellation request message as a key, and responds to the telephone billing server child process. The telephone billing server child process receives a cancellation code (516).

The received cancellation code is compared to determine whether an error has occurred (517).

If the check result indicates that the telephone billing server child process is an error of whether the transaction identifier (TID) or the transaction identifier (TID) does not exist, the corresponding error code and message are received and the result is purchased. The cancellation is passed to the common gateway device (519).

As a result of the check, if the purchase cancellation is successfully performed, the corresponding transaction identifier (TID) information is also changed to a cancellation code in its database (518), and a success message is transmitted to the cancellation cancellation common gateway interface (519).

The telephone billing server is software-configured on the platform of the web / merchant server operating in the existing shopping mall. It is a "transaction control protocol / internet protocol" which is a general form of intersystem communication. Based on this, intersystem interworking is done through the socket interface.

The software processes the information input from the user so that the gateway can process it, receives the results processed by the gateway, and delivers the information to the user. It also includes the ability to parse information messages for processing. This is a function that takes over the entire purchase information from the merchant server, reprocesses the information for each store, and delivers it to the gateway.

On the other hand, the present invention is applied to the cyber operation management system of the e-commerce network in the future, it is possible to design a user-oriented e-commerce network.

As described above, the method of the present invention may be implemented as a program and stored in a recording medium (CD-ROM, RAM, ROM, floppy disk, hard disk, magneto-optical disk, etc.) in a computer-readable form.

The present invention described above is not limited to the above-described embodiments and the accompanying drawings, and various substitutions, modifications, and changes are possible in the art without departing from the technical spirit of the present invention. It will be apparent to those of ordinary knowledge.

The present invention as described above, unlike the case of paying for the purchase of goods by using an existing credit card or bank transfer, electronic payment protocol, the payment process for the purchase of goods and without using a complicated protocol, simply payment processing It is possible to provide a variety of payment methods to e-commerce users, e-commerce operators have the effect of securing the existing PSTN / ISDN or intelligent network subscribers as shopping mall members.

Claims (5)

In the telephone billing server device for an e-commerce service, Common gateway interfacing means for transmitting user information and purchased product information to a telephone billing server daemon means, and for conveying a result of payment approval or purchase cancellation to the user; The telephone billing server daemon means for generating a telephone billing server child process for receiving payment authorization or cancellation information from the common gateway interfacing means and providing a payment authorization or cancelation function; The telephone billing server child process means generated by the telephone billing server daemon means for directly performing user authentication with the user information; User and product information storage means for storing user and product information; And Transaction identifier storage means for managing transactions Telephone billing server device comprising a. In the payment authorization / purchase cancellation method applied to a telephone billing server device, Connecting a common gateway interface and a socket, and generating a telephone billing child process to receive a message; A second step of comparing the received message to determine whether it is a payment approval request or a purchase cancellation request; A third step of requesting payment approval for payment approval and delivering the response result to the user if the payment is approved in the second step; And A fourth step of requesting the purchase cancellation and delivering the response result to the user if the purchase cancellation result is made in the second step; Payment authorization / purchase cancellation method comprising a. The method of claim 1, The third step, A fifth step of parsing the order list, assigning a transaction identifier for each order, and connecting the telephone billing gateway daemon and the socket; A sixth step of transmitting a payment approval related message and receiving a result code related to the payment approval; Querying a transaction identifier database and a transaction identifier and updating the transaction identifier database with the received result code; And Eighth step of sending approval result code to payment approval common gateway interface Payment authorization / purchase cancellation method comprising a. The method of claim 2 or 3, The fourth step, A ninth step of socket-connecting a telephone billing gateway daemon to transmit a transaction identifier to the telephone billing gateway daemon; A tenth step of checking whether an error has occurred by receiving a cancellation code from the telephone billing gateway daemon; An eleventh step of updating a cancellation code to a transaction identifier database and transmitting a cancellation result code to a common gateway interface if an error has not occurred as a result of the checking of the tenth step; And A twelfth step of transmitting a cancellation result code to the common gateway interface if an error occurs as a result of the tenth step; Payment authorization / purchase cancellation method comprising a. In a telephone billing server device having a large capacity processor, Connecting a common gateway interface and a socket, and generating a telephone billing child process to receive a message; A second function of comparing the received message to determine whether the request is a payment authorization request or a cancellation request; A third function of requesting payment approval for payment approval and delivering a response result to the user if the payment is approved as a result of the determination of the second function; And A fourth function of requesting a purchase cancellation and delivering the response result to the user if the purchase cancellation result is determined by the second function; A computer-readable recording medium having recorded thereon a program for realizing this.