KR20110106561A - A server with a method of paying bills using ARS, its system, and a billing function using ARS - Google Patents

Abstract

According to the present invention, authentication required information can be input through the ARS when making a postpaid payment for an online purchase through a network. It provides a server that has a method of paying bills using ARS and a system and a billing function using ARS to enable postpay payment based on the determination of whether payment is possible based on credit. To this end, the present invention is a mobile communication terminal when the purchase request for the content (product) of the content server through the communication network, the purchase information of the content (product) and the phone number of the terminal is delivered to the PG server, and in the PG server Generating an authentication number and transmitting the same authentication number to the mobile communication terminal while transmitting the ARS call request and the authentication number to the mobile communication server, and performing the ARS call to the mobile communication terminal by the mobile communication server according to the ARS voice guidance. Receiving the user's personal information and authentication number, and confirming whether or not matching with the authentication number provided by the PG server, the mobile carrier server determines whether to approve the payment according to the user's personal credit status to approve payment to the PG server And providing information on whether or not the PG server provides payment information to the content server. It is characterized in that it comprises a step of determining whether or not to purchase the requested content (product).

Description

Method and System for Accounting Expence Using ARS and Server Having Expence Account Function}

The present invention provides a payment method and system using ARS to securely perform authentication processing for payment on the network by inputting authentication required information through an ARS (Automatic Response System) during postpay payment on a communication network, and The present invention relates to a server having a payment function using ARS.

As is well known, the distribution of multimedia web information through the Internet network has been actively performed in accordance with the increase of the Internet line speed and the development of multimedia technology. Transactions of goods or services that were mainly sold are being made through online internet shopping malls.

In addition, when a mobile content environment in a mobile communication terminal using a conventional mobile communication network is connected to a wireless portal established by each mobile communication company, a content providing service is provided by accessing limited content provided by a partner agreement with the mobile communication company. It was composed of a closed network structure that can be received. Recently, a full browsing service that can provide an open mobile content providing environment has been developed and commercialized.

The full browsing service in the mobile communication terminal enables the user to reproduce the same form as the web page screen implemented on the screen of the personal computer terminal (PC) connected to the wired Internet even through the screen of the mobile communication terminal. Since the web surfing of the web page is possible, the mobile communication terminal can access the online shopping mall site on the wired Internet and can conveniently search for the product to be purchased. The purchase payment for the selected product can be performed.

On the other hand, in addition to the usual payment method such as credit card, debit card, bank transfer, bank account deposit method, such as payment payment method when purchasing online payment, the characteristics of the mobile communication terminal that receives paid communication service through a specific mobile carrier is used. As a result, only a certain amount of payment can be postpaid, and a post-payment method for communication charges that can be billed together with a communication charge is applied.

In the post-payment method of the communication fee, when a user requests a purchase of a product through an online shopping mall, the telephone number of the mobile communication terminal is input. The authentication number is notified through a short message, and the authentication number is entered into the authentication number input page provided in the online shopping mall. By confirming whether the authentication number is matched by the payment can be made.

However, in the case of the post-payment method of communication charges applied in the conventional online purchase settlement, the authentication number obtained at the purchase request is inputted on a web page of the Internet or a web page prepared by a payment gateway (PG) company that relays a payment transaction. Since there is a risk that the authentication information required for payment is easily stolen by hacking a shopping mall or a PG company web page.

In addition, any person who is a service subscriber of a mobile carrier cannot check information on the personal credit status of a mobile terminal user, that is, whether the communication fee is overdue or whether there is a credit delinquency due to the landline, internet phone, or landline internet fee delinquency. Since payment is made indiscriminately within the limit, there is a problem that not only worsens the credit status of the individual but also increases the damage caused by the postpay payment.

Accordingly, the present invention has been made to solve the above-mentioned conventional problems, the object of which is to allow the authentication required information to be input through the ARS at the time of the post-payment for online purchases through the network, risk of damage by hacking, etc. It is to provide a server with a cost payment method using the ARS, a system and a cost payment function using the ARS to enable a safe transaction to prevent the transaction.

Another object of the present invention is to enable the post-payment settlement based on the determination of whether or not the payment request reflecting the individual creditworthiness by comprehensively grasping the creditworthiness of the user of the payment request network when processing the postpay payment through ARS. To provide a payment method using ARS, a system and a server with a cost payment function using ARS.

According to an example of the method of the present invention for achieving the above object, by the mobile communication terminal makes a purchase request for the content or goods of the content server through the communication network, the purchase information and the movement of the content or goods to the PG server Transmitting the telephone number of the communication terminal, generating an authentication number in the PG server, and transmitting an ARS call request and authentication number to the service-side mobile communication server of the mobile communication terminal, In the transmitting, the mobile telecommunication company server performs an ARS call to the mobile communication terminal, receives an authentication number according to an ARS voice prompt, checks whether or not the authentication number provided by the PG server matches the PG server. Providing payment approval information, and the payment wins from the PG server to the content server. It provides information to provide a cost-payment method using the ARS wherein made, including steps to ensure the requested content or purchasing decisions of products made purchases.

According to another example of the method of the present invention for achieving the above object, by the mobile communication terminal makes a purchase request for the content or goods of the content server through the communication network, the purchase information of the content or goods and the PG server; Transmitting the phone number of the mobile communication terminal, generating an authentication number in the PG server, and transmitting an ARS call request and authentication number to the service-side mobile communication server of the mobile communication terminal, and transmitting the same authentication number to the mobile communication terminal. Transmitting the ARS call to the mobile terminal by receiving the personal information and the authentication number of the user according to the ARS voice guidance, and confirming whether the mobile communication server matches the authentication number provided by the PG server. Confirming, in the mobile communication server, the communication network through the personal information Determining whether to approve payment according to the personal credit status by checking a user's personal credit status on the user, and providing information on whether to approve the payment to the PG server according to the determination result, and from the PG server to the content server. It provides a cost payment method using the ARS, characterized in that it comprises the step of determining whether or not to purchase the content or goods requested to purchase by providing information on the payment approval.

According to the system of the present invention for achieving the above object, by receiving the authentication number from the PG server by making a purchase request for the content or goods of the content server through the communication network, according to the ARS phone from the mobile carrier server The mobile communication terminal requesting payment approval by inputting the received authentication number according to the voice guidance, and when receiving a purchase request for content or goods from the mobile communication terminal, purchase information of the content or product requested for purchase and the mobile communication. At least one content server receiving the payment approval for the content or product requested for purchase, and receiving the purchase information from the content server, generating an authentication number and transmitting the generated phone number to the mobile terminal. And the service side mobile communication company of the mobile communication terminal. A PG server that transmits an ARS telephone request and an authentication number to the content server, and receives a payment approval from a mobile carrier server, and receives the ARS call request from the PG server when the ARS telephone request is received from the PG server. A mobile service provider server which receives an authentication number according to an ARS voice prompt and checks whether the authentication number is provided by the PG server and provides payment approval information to the PG server, and according to an ARS call. Provided is a cost payment system using ARS, comprising a database for storing and managing payment session data and storing and storing data according to payment approval processing.

According to the server of the present invention for achieving the above object, a payment approval process for the purchase cost for the mobile communication terminal that requested a purchase on the communication network based on the authentication number issued from the PG server and the data stored in the database. A server having a cost payment function, comprising: a PG relay module for performing an ARS call request, an authentication number input, payment approval information transmission, and the like, with the PG server; An authorization and credit management module for performing authorization processing and management of personal credit information, an authentication number management module for providing an authentication number provided from the PG server to the database, and an IVR process for the ARS phone to perform an ARS phone call Is made, and the mobile communication terminal according to the ARS voice guidance Receives the personal information and authentication number inputted from the system, and checks whether the authentication number input from the mobile communication terminal and the authentication number input from the mobile communication terminal match the authentication number issued by the PG server. A user authentication processing module provided to the management module and recorded in a database, and an integrated authentication management module for checking whether the information matches by checking the personal information and telephone number input by the mobile communication terminal through the stored data of the database. It provides a server with a cost payment function using the ARS, characterized in that configured.

As described above, according to the present invention, upon payment of a post-payment for the purchase of online content or goods through a mobile terminal on a communication network, the authentication number and personal information received from the PG company are inputted according to the guidance of the ARS provided from the mobile communication company. As a result of the payment approval, the mobile carrier integratedly manages the credit status of each purchase payment user's network communication means so that the postpay payment processing can be determined and reflected in the payment approval process according to the individual credit rating. As there is no fear of hacking on the content (shopping mall) purchase site or PG company, and it is possible to input more secure information through a separate ARS path, it not only ensures the user's safe e-commerce service, but also the personal credit status of each user. In order to help us process your payment By doing so, it is possible to prevent the deterioration of personal credit and minimize the damage to postpay payment.

1 is a diagram illustrating an information processing process by a payment method using ARS according to the present invention;
2 is a view showing the overall configuration of a cost payment system using ARS in accordance with the present invention;
3 is a view showing a specific configuration of a mobile carrier server applied to the present invention,
4 is a view showing a data management configuration of an approval management database applied to the present invention;
5 is a diagram illustrating a data management configuration of a payment session management database applied to the present invention;
6 is a flowchart illustrating an operation of a payment method using ARS according to the present invention.

Hereinafter, the present invention configured as described above will be described in detail with reference to the accompanying drawings.

1 is a diagram illustrating an information processing process by a payment method using ARS according to the present invention.

As shown in FIG. 1, in the payment method using ARS according to the present invention, when a user connects to a shopping mall through a communication network and requests a purchase of a specific content or a product, the user wants to purchase the corresponding shopping mall. The PG (Payment Gateway) company transmits the purchase information about the content or the product to be paid.

The purchase information transmitted from the shopping mall includes a content name (product name), a content code (product code), price information, and limited personal information (name, phone number, etc.) of the content or product to be purchased.

In this state, when the telephone number input page provided by the PG company is provided to the user through the web site of the shopping mall, the user inputs the telephone number of the mobile communication terminal he owns, and the PG company uses the telephone number as the corresponding user. Requests the ARS phone while providing to the mobile carrier subscribed to, generates a unique authentication number and provides it with the mobile carrier and the user's mobile terminal.

On the other hand, when the mobile communication company receives the ARS request from the PG company, the mobile communication terminal dials the user's mobile terminal to proceed with voice guidance according to the ARS, and the user inputs personal information according to the ARS voice guidance from the mobile communication terminal. In addition, enter the authentication number provided by the PG company.

Since the mobile communication terminal can input personal information while viewing the guide screen provided on the terminal screen, it is possible to prevent a wrong input that may occur when personal information is input by the existing ARS.

Here, the personal information input through the ARS in the mobile communication terminal is limited information that only the individual user can know, such as a social security number.

Accordingly, the mobile communication company checks the personal information received from the mobile communication terminal, and grasps the user's personal credit status based on the personal information, and other communication companies, that is, wired telephone company, other mobile communication company, Internet phone Check the personal credit status of the user by exchanging information with a telecommunication company, a wired internet telecommunication company, etc., and check whether the authentication number provided by the PG company matches the authentication number entered by the mobile communication terminal. Process payment authorization with PG.

At this time, the mobile carrier is a condition that can be listed on the Black List (BL) due to bad credit, such as communication charges, as a result of checking the personal credit status of the user, even if the authentication number is matched You can refuse to approve.

When the PG company approves the payment from the mobile communication company, the PG company approves the payment to the shopping mall, and delivers the content or product requesting the purchase to the user, while the mobile communication company pays the content or product to the communication fee according to the postpaid payment. You will be charged by adding the purchase price.

Next, Figure 2 is a view showing the overall configuration of the payment system using the ARS in accordance with the present invention.

As shown in FIG. 2, the cost payment system using the ARS according to the present invention includes a mobile communication terminal 10, a communication network, a plurality of content servers A1 to An, a mobile communication company server 12, and approval management. Database 14, payment session management database 16, integrated authentication database 18, ARS number management database 20, ARS server 22, PG server 24, authentication management database 26, other carrier servers It consists of 28.

The mobile communication terminal 10 accesses one of the plurality of content servers A1 to An through a communication network, searches for a content or a product to be purchased, and makes a purchase for the content or a product to be purchased. By request, the phone number of the terminal is provided to the PG server 24 to receive and display a predetermined authentication number from the PG server 24 through data communication such as a short message service (SMS). When an ARS call is made from the ARS server 22, the personal information and the authentication number are input according to the ARS voice prompt.

The communication network collectively refers to a mobile communication network provided from a mobile communication provider and a signaling network and a digital data network of a wireless internet network for internet web data communication with each of the content servers A1 to An.

The plurality of content servers A1 to An have a content selling website which the mobile communication terminal 10 can look up by Internet web browsing, and the specific content or goods from the mobile communication terminal 10. If there is a purchase request, the PG server 24 provides the information of the content or product requested to be purchased. When payment approval for the corresponding purchase request is made from the mobile telecommunication company server 12 through the PG server 24, the content or product requesting the purchase is delivered to the user of the mobile communication terminal 10.

The mobile telecommunication company server 12 receives the ARS telephone request and the authentication number from the PG server 24 in response to a request for purchasing the content or the product of the mobile communication terminal 10, the ARS server 22 To make an ARS call with the mobile communication terminal 10 and, based on personal information input from the mobile communication terminal 10 according to ARS voice guidance, the credit status of the user and the credit of the other telecommunication company. Checking the status to determine whether or not to approve payment according to the personal credit, and whether the authentication number provided from the mobile communication terminal 10 and the authentication number provided by the PG server 24 according to the ARS voice guidance match To determine the payment approval process.

The mobile telecommunication company server 12 may limit the approval limit amount or reject the payment approval itself if the personal credit status of the user of the mobile telecommunication terminal 10 is bad or blacklisted.

The approval management database 14 stores and manages a variety of credential evaluation basic data for approval management according to each user's personal credit rating for other telecommunication companies including their mobile carriers.

Here, as shown in FIG. 4, the approval management database 14 flexibly manages the blacklist managed by its mobile carrier, other carriers, and communication means for each user, thereby flexibly limiting the approval limit for making a small payment. For example, the total amount of micropayments, the cumulative total amount of payments, the amount of wired telephone payments available, the amount of wired telephone payments accumulated, whether the wired telephone payment blacklist, the amount of mobile telephone payments available, and the amount of mobile payments The accumulated amount of use, whether the mobile phone payment blacklist, the amount of Internet phone available, the accumulated amount of Internet phone use, whether the Internet phone blacklist, etc. are managed by database.

The mobile telecommunication company server 12 may perform a function of significantly lowering the micropayable amount or prohibiting payment even if only one black list is registered for each payment method by referring to the data of the approval management database 14. have.

The payment session management database 16 manages the authentication number provided from the PG server 24, the personal information according to the ARS telephone call, the input information management of the authentication number, and the authentication process management according to whether the authentication numbers match. Stores data for managing the entire payment session.

Here, as shown in FIG. 5, the payment session management database 16 is capable of managing a session for a payment request for each phone number of each mobile communication terminal. For example, personal information for each phone number ( For example, a social security number), an authentication number, an authentication state, a telephone request time, and an authentication request time are managed by a database.

The integrated authentication database 18 stores and manages personal information (name, social security number, address, wire telephone number, etc.) and telephone number information for each user.

The ARS number management database 20 manages a database of ARS telephone numbers according to ARS services that can be provided individually by the plurality of content servers A1 to An.

When the mobile telecommunication company server 12 makes an ARS call request for confirmation of payment details from the mobile telecommunication terminal 10, the mobile telecommunication company server 12 refers to the data of the ARS number management database 20 to the ARS phone of the corresponding content server. The ARS call may be switched to make a call with the ARS voice guidance or the customer center provided in the corresponding content server.

The ARS server 22 makes an ARS call to the mobile communication terminal 10 according to an ARS call request from the mobile telecommunication company server 12 to perform a call, and outputs a pre-recorded ARS voice announcement to correspond to the mobile communication. The terminal 10 receives the user's personal information and authentication number.

When the PG server 24 receives the purchase information from the content servers A1 to An, the PG server 24 provides a phone number input page on the website of the content server receiving the purchase information to request the purchase from the mobile communication terminal 10. Receiving a telephone number, and transmitting the ARS call request and authentication number to the mobile communication terminal 10 to the mobile communication company server 12, and also to the mobile communication terminal 10 for data communication such as a short message service By providing the authentication number.

When the PG server 24 receives the payment approval information based on the determination of whether the authentication number matches from the mobile communication company server 12 and the personal credit evaluation, the PG server 24 transmits the payment approval information to the content server that has transmitted the purchase information.

The authentication management database 26 stores and manages authentication numbers generated for each mobile communication terminal, and stores and manages payment approval details according to payment approval.

The other telecommunication company server 28 is a server for managing a telecommunication company or a communication means used by a user of the mobile communication terminal 10 in addition to the mobile telecommunication company, which manages a public telephone network for managing the use state of a wired telephone terminal. The server, an Internet telephone management server for managing the use state of the Internet phone, an Internet service management server for managing the use state of the high-speed wired Internet service, a mobile carrier server according to a separate mobile carrier, and the like.

The other telecommunication company server 28 provides information on the user's communication means use status at the telecommunication company by exchanging information with the mobile telecommunication company server 12, so that each user of the user at the mobile telecommunication company server 12 It allows for integrated management of creditworthiness information.

Next, FIG. 3 is a diagram showing a specific configuration of a mobile communication company server to which the present invention is applied.

As shown in FIG. 3, the mobile telecommunication company server 12 includes a PG relay module 30, an authorization and credit management module 32, an authentication number management module 34, a call management module 36, and a user. It is configured to include an authentication processing module 38, integrated authentication management module 40.

The PG relay module 30 is responsible for relay processing for ARS call request, input of authentication number, transmission of payment approval information, and the like according to information exchange with the PG server 24.

The approval and credit management module 32 is in charge of payment approval processing and management of personal credit information in association with the databased data of the approval management database 14.

The authentication number management module 34 provides the payment session management database 16 with the authentication number provided from the PG server 24 through the relay process of the PG relay module 30.

The call origination management module 36 performs an ARS phone call as the IVR process is performed in connection with the ARS server 22, and the mobile communication terminal 10 according to the voice guidance of the ARS server 22. The personal information and authentication number inputted from the terminal are received and provided to the payment session management database 16.

The user authentication processing module 38 checks whether the authentication number input by the mobile communication terminal 10 matches the authentication number issued by the PG server 24 based on the data of the payment session management database 16. The result is provided to the approval and credit management module 32, and recorded in the payment session management database 16.

The integrated authentication management module 40 operates in association with the integrated authentication database 18 and checks the personal information and the phone number input by the mobile communication terminal 10 to confirm whether the information matches. do.

Next, the operation of the present invention made as described above will be described in detail with reference to the flowchart of FIG. 6.

First, the mobile communication terminal 10 accesses a content selling website of a specific content server among a plurality of content servers A1 to An, searches for a content or a product to purchase, and makes a purchase request for the specific content or a product. (Step S10).

Accordingly, the content server provides the PG server 24 with purchase information about the content or product requested by the mobile terminal 10 to purchase (step S11), where the mobile communication terminal 10 requests a purchase. At the same time, the terminal inputs its own phone number on the phone number input page provided by the PG server 24, and the content server transmits purchase information to the PG server 24 to the mobile communication terminal 10. We shall provide with telephone number of.

On the other hand, the PG server 24 generates an authentication number (step S12), and provides the authentication number to the mobile communication company server 12 while requesting an ARS call to the mobile communication terminal 10 phone number. (Step S13), by providing the corresponding authentication number to the mobile communication terminal 10 using data communication such as a short message service (SMS) (step S14), the authentication number on the screen of the mobile communication terminal 10 Is output (step S15).

The mobile telecommunication company server 12 performs an ARS call to the mobile communication terminal 10 through the ARS server 22 according to the ARS telephone request from the PG server 24 (step S16), and the mobile communication. When the voice guidance is received according to the ARS phone call, the terminal 10 inputs personal information (for example, a social security number) according to the voice guidance (step S17).

Accordingly, the mobile telecommunication company server 12 confirms the personal information and the telephone number input by the mobile communication terminal 10 by using the stored data of the integrated authentication database 18 to perform authentication of the corresponding user name (step S18). ).

Then, when the mobile communication terminal 10 inputs the authentication number displayed on the screen of the terminal according to the ARS voice guidance (step S19), the mobile communication company server 12 is received from the PG server 24. Checking whether the authentication number and the received authentication number is identical to authenticate the occupation of the authentication number (step S20).

In this state, the mobile communication terminal 10 proceeds to the PG server 24 for approval request via the website of the content server (step S21), and the PG server 24 receives the user's approval. In response to the request, the mobile communication company server 12 requests the approval of the purchase payment (step S22).

The mobile telecommunication company server 12 inquires personal credit through information exchange with other telecommunication company servers 28 based on the database information of the approval management database 14 (step S23), and the credit according to the result. If it is determined that the credit rating is good, the payment is approved (step S24).

On the other hand, if the user's personal credit rating is bad or blacklisted, the limit of the approved amount may be reduced or rejected.

The mobile telecommunication company server 12 transmits payment approval information to the PG server 24 (step S25), and the PG server 24 provides payment approval information according to the payment approval result to the content server (step S25). S26).

Accordingly, the content server delivers the content or goods whose purchase is determined based on the payment approval result to the user of the mobile communication terminal 10 (step S27).

Meanwhile, the mobile communication terminal 10 checks the payment details for a specific content server through the ARS system of the mobile communication company server 12 and proceeds with a purchase consultation such as delivery, return or exchange of purchased content or products. When the mobile communication server server 12 calls the ARS server 22 and selects a desired content server according to the voice guidance, the mobile communication server server 12 uses the ARS number management database ( 20), the ARS number of the corresponding content server is extracted as the caller's telephone number so that the call forwarding is performed to the ARS system of the corresponding content server.

Therefore, the mobile communication terminal 10 can conduct a call for confirmation of purchase history and purchase consultation with an agent of an ARS system or a customer center of a desired content server through the caller phone number.

While specific embodiments of the present invention have been described and illustrated above, it will be apparent that the present invention may be embodied in various modifications by those skilled in the art. Such modified embodiments should not be understood individually from the technical spirit or the prospect of the present invention, but should fall within the claims appended to the present invention.

10: mobile communication terminal, 12: mobile carrier server,
14: approval management database, 16: payment session management database,
18: Integrated authentication database, 20: ARS number management database,
22: ARS server, 24: PG server,
28: authentication management database, 28: other carrier servers,
A1-An: content server.

Claims (11)

In the first step, the mobile communication terminal makes a purchase request for the content or the product of the content server through the communication network, and the purchase information of the content or the product and the telephone number of the mobile communication terminal are transmitted to the payment gateway server. ;
A second step of generating an authentication number in the PG server and transmitting the same authentication number to the mobile communication terminal while transmitting an ARS call request and authentication number to a service-side mobile communication company server of the mobile communication terminal;
The mobile communication company server performs an ARS call to the mobile communication terminal, receives an authentication number according to an ARS voice prompt, checks whether the mobile communication server matches the authentication number provided by the PG server, and sends payment approval information to the PG server. Providing a third step; And
And a fourth step of providing, by the PG server, payment approval information to the content server to make a purchase decision of a content or a product requested for purchase. The method of claim 1,
In the third step, the mobile communication company server further comprises the step of receiving the user's personal information from the mobile communication terminal according to the ARS voice guidance, and confirming the input personal information to authenticate the user's identity Payment method using ARS. In the first step, the mobile communication terminal makes a purchase request for the content or the product of the content server through the communication network, and the purchase information of the content or the product and the telephone number of the mobile communication terminal are transmitted to the payment gateway server. ;
A second step of generating an authentication number in the PG server and transmitting the same authentication number to the mobile communication terminal while transmitting an ARS call request and authentication number to a service-side mobile communication company server of the mobile communication terminal;
A third step of making an ARS call to the mobile communication terminal by the mobile communication company server, receiving a personal information and an authentication number according to an ARS voice prompt, and confirming whether the mobile communication server matches the authentication number provided by the PG server; ;
The mobile communication company server checks the personal credit status of the user on the communication network through the personal information to determine whether to approve the payment according to the personal credit status, and provides the payment information to the PG server according to the determination result. Fourth step to do; And
And a fifth step in which the PG server provides information on whether or not to approve the payment to the content server to determine whether the content or product requested for purchase is available for purchase. The method of claim 3, wherein
The fourth step, if it is determined that the personal credit status is good, transmitting the payment approval information to the PG server;
If the personal credit status is bad or a condition that is listed on the black list (Black List), the payment method using the ARS characterized in that it comprises the step of adjusting the payment amount limit or providing information to refuse payment approval. The method of claim 3, wherein
In the fourth step, the user's personal credit status on the communication network is a result of the integrated management of the personal credit status of the company's mobile carrier and the personal credit status of the other telecommunication companies to which the user subscribes. Payment method. Receives an authentication number from a payment gateway (PG) server by making a purchase request for content or merchandise of a content server through a communication network, and inputs an authentication number received according to a voice prompt according to an ARS call from a mobile carrier server. A mobile communication terminal for requesting payment approval;
When receiving a purchase request for content or goods from the mobile terminal, the purchase information of the content or product requested for purchase and the phone number of the mobile communication terminal are transmitted to a PG server, and the payment request for the content or product requested for purchase is approved. At least one content server receiving the content;
Upon receiving the purchase information from the content server, an authentication number is generated and transmitted to the mobile communication terminal, an ARS call request and an authentication number are transmitted to the service-side mobile communication server of the mobile communication terminal, and payment approval is received from the mobile communication server. PG server for transmitting the payment approval information to the content server when receiving;
When receiving an ARS call request from the PG server, an ARS call is made to the mobile communication terminal, an authentication number is input according to an ARS voice prompt, and the PG server is checked whether or not it matches the authentication number provided by the PG server. A mobile carrier server for providing payment authorization information to the server; And
Cost management system using the ARS comprising a database for storing and managing the data stored in the payment session processing and payment approval processing according to the ARS call. The method according to claim 6,
And another telecommunication company server for providing the mobile telecommunication server with the information of the personal credit status by the user of the telecommunication terminal using its communication means.
The mobile carrier server is configured to determine whether to approve payment according to the personal credit status by integrating and managing the personal credit status of the mobile carrier and the personal credit status of the other telecommunication company server. Cost payment system using the ARS characterized by. The method of claim 7, wherein
The mobile communication company server, the PG server and the PG relay module for performing a relay process for the ARS call request, authentication number input, payment approval information transmission, etc.,
An authorization and credit management module that performs payment approval processing and personal credit information management in association with data of the database;
Authentication number management module for providing the authentication number provided from the PG server to the database,
An IRS process for the ARS phone to make an ARS phone call, and a telephone call management module for receiving personal information and an authentication number inputted from the mobile terminal according to ARS voice guidance and providing the received information to the database;
A user authentication processing module which checks whether the authentication number input from the mobile communication terminal matches the authentication number issued by the PG server, provides the result to the approval and credit management module, and records the result in the database;
And an integrated authentication management module configured to check whether the information matches by checking the personal information and the telephone number inputted by the mobile communication terminal through the stored data of the database. The method of claim 7, wherein
The database includes an approval management database that stores and manages various credential evaluation basic data for approval management according to each user's personal credit rating for other telecommunication companies including its mobile carrier,
Billing session management database for storing the data for managing the entire payment session for managing the authentication number and personal information according to the ARS call, management of the input information of the authentication number, authentication processing according to the comparison of the authentication number,
A payment system using the ARS, characterized in that it comprises an integrated authentication database for storing and managing personal information and phone number information for each user. The method of claim 9,
And further comprising an ARS number management database for database-managing and managing ARS telephone numbers according to ARS services that can be individually provided by the at least one content server.
When the mobile communication company server makes an ARS call request for confirmation of payment details from the mobile communication terminal, the ARS call is switched to the ARS phone of the corresponding content server by referring to the data of the ARS number management database. Payment system using ARS. In the server having a payment function for proceeding the payment approval processing of the purchase cost for the mobile communication terminal requesting a purchase on the communication network based on the authentication number issued from the PG server and the data stored in the database,
A PG relay module for performing an ARS call request, an authentication number input, a payment approval information transmission, and the like, with the PG server;
An approval and credit management module configured to perform payment approval processing and management of personal credit information in association with data of the database;
An authentication number management module for providing an authentication number provided from the PG server to the database;
An IRS process for the ARS call to make an ARS phone call, and a telephone call management module for receiving personal information and an authentication number inputted from the mobile communication terminal according to ARS voice guidance and providing it to the database;
A user authentication processing module for checking whether the authentication number input from the mobile communication terminal matches the authentication number issued by the PG server, providing the result to the approval and credit management module, and recording the result in a database; And
And an integrated authentication management module configured to check whether the information matches by checking the personal information and the phone number inputted by the mobile communication terminal through the stored data of the database.

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