KR20110128602A - Ars on-site payment system and method using mobile terminal - Google Patents

Abstract

According to the present invention, the mobile web or the baffle page information is provided through a mobile communication means and a wireless internet means, and a seller or a paid service provider (hereinafter referred to as a 'payment supporter') may input information necessary for on-site payment. A service providing computer, a payment agent computer for receiving information necessary for the on-site payment from the service providing computer to perform ARS payment, and the service providing computer to the service providing computer through the mobile communication means or the wireless Internet means. Using a mobile terminal including a service terminal for transmitting the payment supporter information and the payment information and a user terminal for performing the payment through the ARS connection with the payment agent computer. ARS field payment system and method are presented

Description

ARS spot payment system using mobile terminal and method thereof {ARS Spot Payment System using Mobile Terminal and Method}

The present invention relates to an ARS field payment system and a method using a mobile terminal. More specifically, the present invention relates to a system and a method for facilitating a credit card payment and a mobile phone payment instead of cash at a collection site when a service provider such as a surrogate operation and a courier collects money from a customer.

The offline service provider receives the service payment from the customer mainly by cash collection. In addition, in some cases, payment for an ordered product can be made by credit card offline. As described above, when making a payment using a credit card offline, it is common that a delivery person of an order product carries a portable credit card payment machine, and uses the same to perform a credit card payment in the field. However, since the portable credit card payment machine has a high fee and a problem of being inconvenient to carry, it is limited to a specific order delivery service provider. For example, there is an inconvenience in that the vehicle deputy driver must carry a portable credit card payment machine as described above in order to pay the service charge of the deputy driving with a credit card. In order to solve this problem, more convenient offline credit card payment methods have been studied.

One of them is a credit card field payment service using an automatic voice answering system (ARS).

Patent Publication No. 10-2008-0043058 (published May 16, 2008) discloses a "method for payment of a mobile phone credit card using voice calls."

The public invention includes the steps of: (a) receiving an issued credit card information of a payer and a mobile phone number to be used for payment from a card company approval server connected to an authentication relay server through an interface, and registering in the approval relay DB; (b) receiving, by the approval relay server, a payment request of a buyer by receiving seller information, payment information, and a mobile phone number of a payer transmitted from an on-line store; (c) If the approval relay server is a seller of which the received seller information is registered, the caller of the received payment information is dialed through the voice call ACS server to deliver the seller information and the payment information by voice and the corresponding payment. Requesting input of a user's voice approval password; (d) receiving, by the approval relay server, the voice approval password of the payer transmitted from the voice call ACS server, and handing the mobile phone number and the voice approval password of the payer to the card company approval server for approval; And (e) the approval relay server searching the card company's approval DB in which the mobile phone number at the time of issuing a credit card and the voice approval password of the credit card are previously stored from the card company approval server, and the mobile phone number and voice approval password inputted by the corresponding payer. And authenticating and processing the payment approval request, receiving and storing the requested payment request approval information in the approval relay DB.

The credit card payment method using the ARS of the disclosure is a useful method for credit card payment when the seller is located at a fixed place and the buyer is not fixed.

However, if the location of the seller or the paid service provider is not fixed, and the location of the buyer or the recipient of the paid service is not fixed, the seller provides the seller information, payment customer, and payment information to the approval relay server of the disclosed invention. In order to transmit, there is still a problem that a separate device (for example, the portable credit card payment machine described above) must be provided.

In addition, the payment method when the position of the seller or the paid service provider is not fixed, is disclosed in Publication No. 10-2006-0055734 (published May 24, 2006), "ARS and wireless Internet-based mobile phone Direct payment system ”.

The disclosed invention, the collector (for example, CATV bill collector) to visit the customer to inform the billing of the mobile phone bill, and connecting to the system of the present invention through the ARS; The collector entering his or her merchant code;

In the case of a registered merchant, the collector requests the phone number and social security number of the mobile phone possessed by the customer, and inputs the corresponding phone number and social security number and the amount to be paid; Requesting approval for billing from a customer DB of a mobile communication company based on the payment information; If the approval, transmitting the authentication number in a short message to the customer's phone; Requesting the authentication number of the received short message to the customer and inputting it into the ARS; If the authentication number is correct, charging the billing server of the mobile carrier; After the claim is confirmed, it consists of sending a payment confirmation short message to the customer's phone.

However, the ARS payment system has a problem in that it is possible to cause anxiety of the payer because the subject of payment is a payee and may cause a financial accident such as a false payment.

Therefore, if a seller or a paid service provider and a buyer or a paid service recipient are not in a fixed position, a system and a method in which a payer can make a payment with confidence in his or her mobile terminal are desired.

Patent Publication No. 10-2008-0043058 (Published date May 16, 2008) Publication No. 10-2006-0055734 (published May 24, 2006)

The present invention is to solve the problems of the prior art, the object of the present invention is the seller or the paid service provider and the buyer or the recipient of the paid service is not in a fixed position, the payer pays with confidence to his mobile terminal An ARS field payment system using a mobile terminal capable of performing the present invention and a method thereof.

As a technical solution for achieving the object of the present invention, in the present invention, the information provided by the mobile communication means and the wireless Internet means, the seller or a paid service provider (hereinafter referred to as "payment supporter") necessary for on-site payment A service providing computer including a mobile web or swap page information, a payment agent computer for receiving information necessary for the on-site payment from the service providing computer to perform ARS payment, and a service providing computer. Through a mobile communication means or a wireless Internet means to access a mobile web or a swap page provided by the service providing computer to the service support terminal for transmitting the payment supporter information and payment information, and payment through the ARS connection with the payment agent computer Mobile including a user terminal for performing the An ARS field payment system using a terminal is presented.

In addition, according to the first aspect of the ARS field payment method using the mobile terminal of the present invention, in the present invention, the mobile terminal connected to the service providing computer through a mobile communication means and a wireless Internet means from a service portable terminal of a payment supporter is associated with a mobile payment service. Requesting web or swap page information; Providing the requested mobile web or swap page to the service portable terminal at the service providing computer; Receiving identification information, merchant identification information, payment amount, payment means, and user portable terminal number of the payment supporter inputted to the service mobile terminal; Transmitting, at the service providing computer, the received payment amount, payment means and user portable terminal number to the payment agency computer; Performing a payment by accessing the user mobile terminal through the ARS from the payment agent computer or the ARS payment computer that receives the payment amount, the payment means, and the user mobile terminal number from the payment agent computer, and the payment agent computer; An ARS field payment method using a mobile terminal including the step of calculating a payment fee between the service providing computer is provided.

 In addition, according to the second aspect of the ARS field payment method using the mobile terminal of the present invention, in the present invention, the mobile terminal connected to the service providing computer through a mobile communication means and a wireless Internet means from a service portable terminal of a payment supporter is associated with a mobile payment service. Requesting web or swap page information; Providing the requested mobile web or swap page to the service portable terminal at the service providing computer; Receiving identification information, merchant identification information, payment amount, payment means, and user portable terminal number of the payment supporter inputted to the service mobile terminal; Transmitting, at the service providing computer, the received payment amount, payment means and user portable terminal number to the payment agency computer; Transmitting ARS payment information and an ARS access request-related callback message to the user mobile terminal by the ARS payment computer that receives the payment amount, the payment means and the user mobile terminal number from the payment agent computer or the payment agent computer; Receiving the message at the user portable terminal and accessing the ARS; Performing ARS payment between the payment agent computer or the ARS payment computer and the user mobile terminal; and calculating a payment fee between the payment agency computer and the service providing computer. This is presented.

According to the present invention, even if the buyer or the person receiving the paid service and the payment supporter are not in a fixed position, the credit card payment and the mobile phone payment can be easily performed in the field using the user's mobile terminal.

In this case, since the subject of payment is not a service portable terminal of the payment supporter, but a user portable terminal, the payer can pay with confidence without worrying about the leakage of personal information and the resulting financial accident.

1 is a schematic configuration diagram of an embodiment of an ARS field payment system using a mobile terminal of the present invention.
2 is a flowchart illustrating a first embodiment of an ARS field payment method using a mobile terminal of the present invention.
3 is a flowchart illustrating a second embodiment of an ARS field payment method using a mobile terminal of the present invention.

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

1 is a schematic configuration diagram of an embodiment of an ARS field payment system using a mobile terminal of the present invention.

As shown in FIG. 1, an ARS field payment system using a mobile terminal of the present invention is provided through a mobile communication means and a wireless Internet means 300, and a mobile payment supporter can input information necessary for field payment. A service providing computer 100 including web or swap page information, a payment agent computer 200 for receiving the information necessary for the field payment from the service providing computer 100 to perform ARS payment, and the service A service carrier for transmitting the payment supporter information and the payment information by accessing a mobile web or a swap page provided by the service providing computer 100 through the mobile communication means or the wireless Internet means 300 to the providing computer 100. A terminal 400 and a user portable terminal 500 for performing a payment through the ARS connection with the payment agency computer 200.

The method of accessing the service providing computer 100 via the mobile communication means or the wireless Internet means 300 to the mobile web or the swap page provided by the service providing computer 100 is, for example, specified in a mobile phone. You can enter a number and use it to swap or access the wireless Internet.

The service providing computer 100 is a means for assigning and storing identification information such as a specific number or code to each of the seller or the paid service provider and its affiliated staff when the seller or the paid service provider and the affiliated staff join as a member. It includes.

In addition, the mobile web or the swap page provided by the service providing computer 100 inputs identification information, payment amount, payment method, and the user terminal 500 number assigned by the seller or the paid service provider and their employees. Means for transmitting to the service providing computer 100.

An embodiment of the ARS field payment system using the mobile terminal of the present invention will be described by way of surrogate operation field payment as an example. When the surrogate driver and the customer arrive at the destination to perform a mobile payment, the surrogate driver (payment supporter) is the service providing computer 100 (for example, the surrogate driver mobile phone) is the service providing computer 100 A mobile web or a swap page is provided through the mobile communication means or the wireless Internet means 300. The proxy driver requests the customer the telephone number of the payment means (for example, credit card payment or mobile phone payment) and the user mobile terminal 500 (for example, the customer's mobile phone), and then the mobile web or the swap page. Identification information of a merchant (seller or paid service provider (here, a surrogate driving company)) that is subscribed to the service providing computer 100, the surrogate driver's own identification information, a payment amount, a payment method, and a mobile phone number of the customer (hereinafter, , 'Payment supporter information' is inputted and transmitted to the service providing computer 100. The service providing computer 100 stores the payment supporter information transmitted from the mobile phone of the substitute driver in a storage device, and stores the payment amount, payment means and mobile phone number of the customer in the payment supporter information. 200). The payment agency computer 200 refers to the payment amount, the payment means and the customer's mobile number transmitted from the service providing computer 100, calls the customer's mobile phone using an ARS payment system, and pays the customer the payment amount. After voice guidance about the payment method, the customer to perform the ARS payment. In the state where payment is completed, the payment agent computer 200 transmits ARS payment completion information of the corresponding customer to the service providing computer 100. In the service providing computer 100, the payment completion information transmitted from the payment agency computer 200 is provided to the surrogate operation mobile phone, so that the payment using the ARS field payment system using the mobile terminal of the present invention is terminated.

In addition, in another embodiment of the present invention, in order to perform ARS payment between the payment agent computer 200 and the customer mobile phone, ARS payment interworking with the payment agent computer 200 or the payment agent computer 200. Payment is performed by a computer including a payment amount, a payment method, etc. to the mobile phone of the customer, transmitting a callback message for accessing an ARS payment system, receiving the callback message from the mobile phone of the customer, and accessing the ARS payment system. It can be configured to.

2 is a flowchart illustrating a first embodiment of an ARS field payment method using a mobile terminal of the present invention.

As shown in Figure 2, the first embodiment of the ARS field payment method using the mobile terminal of the present invention, the service from the mobile terminal 400 of the payment supporter through the mobile communication means and the wireless Internet means 300 Accessing the service providing computer 100 and requesting mobile web or swap page information related to a payment service (S100); Providing the requested mobile web or a swap page to the service portable terminal (400) at the service providing computer (100); Receiving identification information, merchant identification information, payment amount, payment means, and user portable terminal number of the payment supporter inputted to the service mobile terminal 400 by the service providing computer 100; Transmitting the received payment amount, payment means, and user portable terminal number to the payment agency computer 200 in the service providing computer 100 (S106); The ARS payment computer that receives the payment amount, payment method, and user terminal number from the payment agent computer 200 or the payment agent computer 200 accesses the user mobile terminal 500 and the ARS system to make a payment. Performing step (S108), and the step of calculating the payment fee between the payment agent computer 200 and the service providing computer 100 (S110).

3 is a flowchart illustrating a second embodiment of an ARS field payment method using a mobile terminal of the present invention.

As shown in Figure 3, the second embodiment of the ARS field payment method using the mobile terminal of the present invention, the service from the service terminal 400 of the payment supporter through the mobile communication means and the wireless Internet means (300) Accessing the providing computer 100 and requesting mobile web or swap page information related to a payment service (S200); Providing the requested mobile web or a swap page to the service portable terminal (400) at the service providing computer (100); Receiving the identification information of the payment supporter, the merchant identification information, the payment amount, the payment means, and the user portable terminal number input to the service mobile terminal 400 (S204); Transmitting the received payment amount, payment means, and user portable terminal number from the service providing computer 100 to the payment agency computer 200 (S206); ARS payment information and ARS connection request to the user mobile terminal 500 in the ARS payment computer that receives the payment amount, payment means and user terminal number from the payment agent computer 200 or the payment agent computer 200. Transmitting a callback message (S208); Receiving the callback message at the user portable terminal (500) and accessing the ARS (S210); ARS payment is performed between the payment agency computer 200 or the ARS payment computer and the user portable terminal 500 (S212), and the payment fee between the payment agency computer 200 and the service providing computer 100. It includes the step of calculating (S214).

In the first embodiment and the second embodiment of the ARS field payment method using the mobile terminal of the present invention described above, the service providing computer 100, if the seller or the paid service provider and its staff member as a member, the It includes means for assigning and storing identification information such as a specific number or code to each seller or paid service provider (merchant) and its employees.

In addition, the mobile web or the swap page provided by the service providing computer 100 inputs identification information, payment amount, payment method, and the user terminal 500 number assigned by the seller or the paid service provider and their employees. Means for transmitting to the service providing computer 100.

100: service provider computer
200: payment agent computer
300: mobile communication or wireless internet network
400: service mobile terminal
500: user portable terminal

Claims (13)

A service providing computer that provides a mobile web or a swap page,
A payment agent computer connected to the service providing computer through a communication means and provided with an ARS payment means;
A service portable terminal for accessing a mobile web or a swap page of the service providing computer using mobile communication or wireless internet means;
An ARS field payment system using a mobile terminal including a user terminal for providing a phone number and payment method information to the service portable terminal and performing payment by accessing the ARS payment means of the payment agent computer. The method according to claim 1,
The service providing computer stores member information in which the person possessing the service portable terminal, the company to which the person possessing the service portable terminal belongs as a member, and the identification information assigned to each member are stored. ARS field payment system using a mobile terminal. The method according to claim 2,
The mobile web or the swap page is information on the respective identification information, the user's mobile phone number, the amount to be paid by the holder of the user's mobile terminal and the payment method selected by the holder of the user's mobile terminal. ARS field payment system using a mobile terminal, characterized in that it comprises a means for inputting. The method according to claim 3,
The service providing computer receives and stores information input to the mobile web or the swap page from the service portable terminal, and among the received information, the user mobile phone number and the amount to be paid by the holder of the user portable terminal. And ARS field payment system using a mobile terminal, characterized in that for transmitting the information on the payment method selected by the holder of the user portable terminal to the payment agent computer. The method of claim 4,
The payment agent computer ARS field payment system using a mobile terminal, characterized in that to perform the ARS payment by connecting to the user mobile terminal based on the information received from the service providing computer. The method according to claim 1,
The payment method information is an ARS field payment system using a mobile terminal, characterized in that the selected information of the credit card payment or mobile phone payment. The method according to claim 1,
In the ARS payment system, the payment is performed between the user portable terminal and the payment agent computer. The ARS payment system is connected to the user portable terminal to perform payment through voice guidance. . The method according to claim 1,
The payment is performed between the user portable terminal and the payment agent computer, the ARS payment system of the payment agent computer transmits a callback message to the user portable terminal, and receives the callback message from the user portable terminal to the ARS payment system. ARS field payment system using a mobile terminal, characterized in that for performing the payment by accessing. Receiving identification information and payment information transmitted from the service mobile terminal at the service providing computer;
Receiving, at the payment agent computer, the payment information transmitted from the service providing computer;
ARS field payment method using a mobile terminal comprising the step of performing ARS payment by accessing a user mobile terminal based on the received payment information in the payment agent computer. The method according to claim 9,
Receiving the identification information and payment information transmitted from the service portable terminal at the service providing computer,
Requesting mobile web or swap page information related to a payment service by accessing the service providing computer through the mobile communication means and the wireless Internet means from the service mobile terminal; Providing the requested mobile web or swap page to the service portable terminal at the service providing computer; Receiving identification information of the service portable terminal holder, identification information of the company to which the service portable terminal holder belongs, payment amount, payment means, and user portable terminal number inputted to the service portable terminal by the service providing computer; ARS field payment method using a mobile terminal, characterized in that. The method according to claim 9,
In the step of receiving the payment information sent from the service providing computer at the payment agent computer,
The payment information is an ARS field payment method using a mobile terminal, characterized in that the payment amount to be paid by the holder of the user portable terminal, the payment method and the phone number of the user portable terminal. The method according to claim 9,
The step of performing the ARS payment by accessing the user mobile terminal based on the received payment information in the payment agent computer,
ARS on-site payment method using a mobile terminal, characterized in that the step of making a telephone connection to the user portable terminal in the ARS payment system interworking with the payment agent computer or the payment agent computer, and performs the payment through the ARS voice guidance. . The method according to claim 9,
The step of performing the ARS payment by accessing the user mobile terminal based on the received payment information in the payment agent computer,
Transmitting an ARS access callback message including the payment information to the user portable terminal in an ARS payment system interworking with the payment agent computer or the payment agent computer;
And performing payment by accessing the ARS payment system through the received callback message at the user portable terminal.

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