KR100639906B1 - System for providing payment service between caller and callee while calling - Google Patents

Abstract

A payment service system during phone conversation is provided to enable a user to transmit a predetermined amount of money to a called party by only taking an action of inputting a DTMF(Dual Tone Multi Frequency) signal including the amount of money and a predetermined particular code, while the user talks over the telephone with another user. If a predetermined DTMF signal is received from the first communication terminal(141) during call connection between the first terminal(141) and the second communication terminal(142), a money change service server(110) presumes information about an amount of remittance from the received DTMF signal, and generates payment information including the information on the amount of the remittance, the first user ID information of a user of the first terminal(141), and the second user ID information of a user of the second terminal(142), then transmits the payment information to predetermined servers. PG(Payment Gateway) servers(120-123) receive the payment information, control that the amount of the remittance can be charged to the user of the second terminal(142), and transmit the payment information to a predetermined charging server(130) associated with the first terminal(141). The charging server(130) applies the amount of the remittance read from the payment information to the user of the first terminal(141).

Description

Payment service system during call {SYSTEM FOR PROVIDING PAYMENT SERVICE BETWEEN CALLER AND CALLEE WHILE CALLING}

1 is a block diagram showing the overall network configuration of a payment service system during a call according to an embodiment of the present invention.

2 is a block diagram showing the configuration of a currency exchange service server according to a first embodiment of the present invention.

3 illustrates user identification information stored in a user database according to a first embodiment of the present invention.

4 is a diagram showing the configuration of a currency exchange service server according to a second embodiment of the present invention.

5 is a diagram showing the configuration of a currency exchange service server according to a third embodiment of the present invention.

6 is a flowchart illustrating a payment service providing method during a call according to the first embodiment of the present invention.

7 is a flowchart illustrating a method for providing a payment service during a call according to a second embodiment of the present invention.

8 is a flowchart illustrating a payment service providing method during a call according to a third exemplary embodiment of the present invention.

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

110: currency exchange service server 120: micropayment PG server

130: billing server 141: first communication terminal

142: second communication terminal

The present invention relates to a payment service system during a call, and more particularly, during a call connection between a first communication terminal and a second communication terminal, a DTMF signal transmitted from the first communication terminal is detected, and the amount information is obtained from the DTMF signal. And determine and pay the amount of money to a user of a second communication terminal, and then charge the amount to the first communication terminal user through a predetermined billing server associated with the first user.

With the development of communication technology, electronic commerce has been activated, and micropayment services for buying goods and paying money with various communication terminals such as mobile phones and telephones have been expanded. The micropayment service refers to a service that uses a communication terminal as a payment method for using contents of affiliates, and bills the affiliates' content usage fee to the user's communication terminal usage fee, and is a representative typical micropayment service. For example, an authorization number transmission and reception method may be used.

In the method of transmitting / receiving an authorization number, when a user requests a micropayment by accessing an affiliated server, a payment gateway (PG) server displays the predetermined personal authentication information, the user's communication terminal number, and the payment request amount that the user inputs for the micropayment. Receives and confirms, generates an approval value (approval number) and transmits it to the communication terminal.

The communication terminal user receiving the approval value inputs the approval value through the affiliate server, and the PG server receiving the input approval value compares with the approval value transmitted by the user to complete the settlement.

As described above, in the conventional micropayment service, predetermined personal authentication information, for example, a social security number, is required for each transaction, so that the user's personal information is leaked. In addition, since the micropayment service only allows payment through the Internet, there is a disadvantage in that the service is not practically applied to a place where the Internet is not supported or an elderly person who feels difficulty in accessing the Internet.

Accordingly, even if the user does not use the Internet and social security number, there is a demand for the development of a micropayment service system that enables a user to easily and conveniently use the micropayment service anytime, anywhere using a communication terminal.

The present invention has been made to improve the prior art as described above, which allows a user to transmit a predetermined amount of money to a call counterpart only by inputting a DTMF signal including a predetermined characteristic code and the amount of money during a call with another user. An object of the present invention is to provide a payment service system during a call.

In addition, the present invention by providing a password to the user of the communication terminal to authenticate the user through the password at the time of payment during the call, the payment service system during the call that can enhance security while preventing the leakage of personal information It aims to provide.

In addition, the present invention not only provides a payment service during the call by the method of depositing money, but also by providing a gift certificate, cyber money, or free currency ticket corresponding to the amount entered in the DTMF signal to the other user, An object of the present invention is to provide an in-call payment service system that allows various gifts to be instantly made during a call with another user.

In order to achieve the above object and to solve the problems of the prior art, the in-call payment service system according to the present invention, a predetermined DTMF (Dual Tone) from the first communication terminal during the call connection of the first communication terminal and the second communication terminal In the case of receiving a Multi Frequency) signal, the remittance amount information regarding the remittance amount is determined from the received DTMF signal, and the remittance amount information, first user identification information for the first communication terminal user, and the second communication. A currency exchange service server for generating payment information including second user identification information for a terminal user and transmitting the same to a predetermined server, wherein the payment information includes the first user identification information as remitter information and the second user identification information. Is designated as a payee information, the payment information is received from the currency exchange service server, the transfer amount is the second communication; A PG server for controlling payment to a terminal user and transmitting the payment information to a predetermined billing server associated with the first communication terminal, and the remittance amount read from the payment information received from the PG server in the first communication; It includes a charging server for charging the terminal user.

In addition, a currency exchange service server according to the present invention, DTMF detection unit for detecting a DTMF signal input from the first communication terminal during the call of the first communication terminal and the second communication terminal, the DTMF signal by analyzing the DTMF signal Includes a predetermined characteristic code, a DTMF analysis unit for determining remittance amount information from the DTMF signal, first user identification information for a user of the first communication terminal, and a first user identification for the user of the second communication terminal. 2 includes a PG communication unit for transmitting the user identification information and payment information including the remittance amount information to the PG server.

In addition, the currency exchange service server according to the present invention, the PG communication unit for receiving the call number and the affiliated party identification information of the first communication terminal from the PG server, and transmits a call setup request to the first communication terminal to the first communication terminal A call setup unit for setting a call and a call, a DTMF detector for detecting a DTMF signal input from the first communication terminal during the set call, a DTMF analyzer for interpreting the DTMF signal to determine remittance amount information, and the first And a PG communication unit configured to transmit first user identification information, the affiliated company identification information, and the remittance amount information of the user of the communication terminal to the PG server.

In addition, the currency exchange service server according to the present invention, a password storage unit for storing a password corresponding to the user, PG receiving the call number, remittance amount information, and affiliated party identification information of the first communication terminal from the PG server A communication setting unit, a call setting unit for setting up a call with the first communication terminal by transmitting a call setup request to the first communication terminal, a DTMF detecting unit for detecting a DTMF signal input from the first communication terminal during the set call; A DTMF analysis unit for determining a password by analyzing a DTMF signal, a user authentication unit for authenticating a user of a first communication terminal with reference to the password storage unit and the password interpreted from the DTMF signal, and the user authentication unit When the user of the first communication terminal is authenticated by the first user identification information for the user of the first communication terminal, the affiliated company PG communication unit for transmitting the identification information and the remittance amount information to the PG server.

Hereinafter, with reference to the accompanying drawings will be described an embodiment of the present invention;

1 is a block diagram showing the overall network configuration of a payment service system during a call according to an embodiment of the present invention.

The payment service system during a call according to an embodiment of the present invention includes a currency exchange service server 110, a PG server, a billing server 130, a first communication terminal 141, and a second communication terminal 142. . The PG server may include a small payment PG server 120, a bank payment PG server 121, a merchant payment PG server 122, or a card payment PG server 123. Hereinafter, in the present specification, for the convenience of description, the case where the micropayment PG server 120 is implemented as the PG server will be described as an example.

The money exchange service server 110 receives a predetermined dual tone multi frequency (DTMF) signal from the first communication terminal 141 during a call connection between the first communication terminal 141 and the second communication terminal 142. The currency exchange service server may be installed in a predetermined communication company exchange for receiving the DTMF signal from the first communication terminal 141, or may operate in association with the exchange with a separate configuration from the exchange. have.

A user of the first communication terminal 141 may input the DTMF signal by pressing a keypad button of the first communication terminal 141 during a call with the user of the second communication terminal 142. For the payment service during the call of the present invention, the user of the first communication terminal 141 may input a predetermined characteristic code and amount as a DTMF signal.

For example, the user of the first communication terminal 141 inputs "# 20000 #" through the keypad during a call with the user of the second communication terminal 142 to the currency exchange service server 110. 142) Inform the user that he / she wants to transfer 20,000 won.

The currency exchange service server 110 is a user of the first communication terminal 141 when the DTMF signal received from the first communication terminal 141 includes a characteristic code (for example, "#"). It is determined that a predetermined amount of money is to be remitted to the user of the second communication terminal 142 using a payment service during a call. The characteristic code may be set in more various ways according to the judgment of a person skilled in the art as well as "#" mentioned above.

If the DTMF signal includes the feature code, the money exchange service server 110 reads remittance amount information input by the user of the first communication terminal 141 from the DTMF signal. The currency exchange service server 110 may determine that the DTMF signal is a DTMF signal for implementing the payment service of the call of the present invention through the feature code "#" located before the number of the remittance amount in the DTMF signal. In addition, the money exchange service server 110 may accurately read the amount of money remitted by the user through the feature code "#" located after the number of the amount remitted in the DTMF signal.

In addition, the money exchange service server 110 may transmit a password input request message to the first communication terminal 141 prior to reading the price information. The currency exchange service server 110 receives a password message corresponding to the transmitted password input request message from the first communication terminal 141 and authenticates that the user is the user of the first communication terminal 141 through the received password message. can do. Thereafter, the money exchange service server 110 reads the remittance amount information from the DTMF signal.

After reading the remittance amount information, the money exchange service server 110 transmits the remittance amount information, first user identification information for the first communication terminal 141 user, and second second for the user of the second communication terminal 142. Generate payment information including user identification information. The currency exchange service server 110 transmits the generated payment information to the micropayment PG server 120. In the payment information, the first user identification information may be set as sender information, and the second user identification information may be set as collector information.

In addition, when the currency exchange service server 110 receives the DTMF signal from the first communication terminal 141 and generates payment information, the money exchange service server 110 transmits a predetermined voice message or text message to the second communication terminal 142. Can be. The currency exchange service server 110 may notify the user of the first communication terminal 141 that the user of the second communication terminal 142 intends to transfer the money through the message.

The micro payment PG server 120 receives the payment information from the currency exchange service server 110. The remittance amount information is extracted from the received payment information, and the remittance amount is paid to the user of the second communication terminal 142.

The micropayment PG server 120 extracts the account number of the second user, which is input from the user of the second communication terminal 142 in advance and recorded in a predetermined database, and deposits the remittance amount into the account. The remittance amount may be paid to a user of the communication terminal 142.

In addition, the micro payment PG server 120, according to the user of the first communication terminal 141, the general gift certificate, free call gift certificate, free SMS gift certificate, free SMS gift certificate, game money, cyber points, game items, ringtones The remittance amount may be paid to the user of the second communication terminal 142 in various ways. In addition, the micropayment PG server 120 may pay the remittance amount to the user of the second communication terminal 142 in various ways according to the judgment of those skilled in the art.

The micropayment PG server 120 may maintain a database in which a plurality of user information using a payment service during a call according to the present invention is recorded in association with a currency exchange service server 110. A plurality of user information, communication terminal information of the user, or account information of the user may be recorded in the database.

The micro payment PG server 120 transmits the payment information to the billing server 130 of the telecommunication company associated with the first communication terminal 141.

The billing server 130 receives the payment information from the micropayment PG server 120, reads the remittance amount information from the payment information, and imposes the remittance amount on the user of the first communication terminal 141. The billing server 130 may charge the remittance amount to the user of the first communication terminal 141 by including the remittance amount in the current month's bill of the first communication terminal.

In addition, the micropayment PG server 120 may transmit the payment information to another billing server associated with the first communication terminal 141. For example, a credit card payment server associated with a user of the first communication terminal 141, a bank account transfer server, a predetermined affiliate company in which the user holds a predetermined cyber money (eg, game money, points, etc.). You can also send it to the server. In this case, the amount of the remittance may be imposed on the user of the first communication terminal 141 by performing credit card payment or bank transfer or deducting cyber money by the amount of the remittance.

In the above, when the micropayment PG server 120 receives the payment information from the money exchange service server 110, the micropayment PG server 120 may immediately pay the remittance amount read from the payment information to the second communication terminal 142 user. In addition, after the charging server 130 charges the remittance amount to the user of the first communication terminal 141, the charging fact is confirmed, and the remittance amount may be paid to the user of the second communication terminal 142. In this case, a financial accident due to an operation error of the charging server 130 may be prevented in advance.

The currency exchange service server 110 of the payment service system 100 during a call according to the present invention may have a different configuration according to three embodiments as follows.

1) Embodiment 1: During a call connection between a first communication terminal and a second communication terminal, the first communication terminal user wants to transfer a predetermined amount of money to the second communication terminal user.

2) Embodiment 2: When a user of a first communication terminal wants to transfer a predetermined amount to a member server connected to a web (when the user inputs an amount through the first communication terminal)

3) Embodiment 3: When a user of a first communication terminal wants to transfer a predetermined amount to a member server connected to a web (when the user has already input the amount during the web access)

Hereinafter, the configuration and operation of a currency exchange service server according to each embodiment will be described.

2 is a block diagram showing the configuration of a currency exchange service server according to a first embodiment of the present invention.

The first embodiment of the present invention refers to a case in which a user of the first communication terminal remits a predetermined amount of money to a user of the second communication terminal during a call connection between the first communication terminal and the second communication terminal.

Currency exchange service server 200 according to the first embodiment of the present invention is DTMF detection unit 210, DTMF analysis unit 220, PG communication unit 230, user authentication unit 240, user database 250, And password database 260.

The DTMF detecting unit 210 detects a DTMF signal input from the first communication terminal during a call connection between the first communication terminal and the second communication terminal.

The DTMF analyzer 220 interprets the DTMF signal when the DTMF signal is detected through the DTMF detector 210. The DTMF analyzing unit 220 interprets the DTMF signal and determines that the first communication terminal user intends to transfer a predetermined amount of money to the second communication terminal user when the DTMF signal includes a predetermined characteristic code. .

The characteristic code is a kind of identifier for the currency exchange service server 200 to determine which of the DTMF signals for the exchange service of the call is among the DTMF signals input from the first communication terminal. The characteristic code may be implemented as a specific button of the keypad provided in the communication terminal.

For example, the first communication terminal user transmits a DTMF signal to the currency exchange service server 200 by inputting "# 20000 #" by using a keypad during the call connection to transfer 20,000 won to the second communication terminal user. Can be. In the DTMF signal, "#" is a characteristic code and "20000" is remittance amount information.

If it is determined that the feature code is included in the DTMF signal as described above, the DTMF analysis unit 220 determines the remittance amount information from the DTMF signal. The DTMF analysis unit 220 may determine whether the DTMF signal is a DTMF signal for implementing the payment service of the call of the present invention through the property code "#" located in front of the remittance amount information "20000". In addition, the DTMF analyzer 220 may accurately read that the remittance amount is 20000 through the property code "#" located in front of the remittance amount information "20000".

When the PG communication unit 230 determines the remittance amount information from the DTMF analysis unit 220, the first user identification information for the user of the first communication terminal and the second user identification information for the user of the second communication terminal And transmits the payment information including the remittance amount information to the micropayment PG server.

The first user identification information includes identification information for the first communication terminal, and the second user identification information includes identification information for the second communication terminal.

The user database 250 stores user identification information of a user of the communication terminal in correspondence to call numbers of a plurality of communication terminals. The user identification information stored in the user database 250 will be described in detail with reference to FIG. 3.

3 is a diagram illustrating user identification information stored in a user database according to a first embodiment of the present invention.

The user database 300 may store various user identification information corresponding to a plurality of communication terminal call numbers. As shown in FIG. 3, the user identification information may include a call number of a communication terminal, a user ID, a social security number of a user, account information, and billing server information. In FIG. 3, the account information may be used when the user is a payee, and the billing server information may be used when the user is a remitter.

The billing server information used as remitter information may be carrier billing server information associated with a communication terminal, and may include all financial institution server information, credit card company server information, or predetermined website affiliate server information associated with the user. have. However, in the present specification including FIG. 3 for convenience of description, a case in which carrier billing server information is used as the billing server information will be described as an example.

In addition, the account information used as information on the depositor may be implemented as a predetermined bank account information, as shown in Figure 3, the user can be delivered free gift certificates, free call tickets, free SMS tickets, etc. It may be implemented including an address. In addition, the account information may be implemented including a predetermined user website account that can be charged a predetermined cyber money (eg, points, game money, etc.) or cyber content (eg game items, etc.). . However, in the present specification with reference to FIG. 3, the case where the account information is implemented as bank account information will be described as an example.

As shown in Figure 3, in order to store the user identification information in the user database 300, the on-call payment service system of the present invention receives a service subscription from a plurality of users who want to use the payment service during the call, after the service subscription The user identification information as described above may be input from the user.

In addition, the user who is not subscribed to the payment service during the call may provide the payment service during the call by inquiring the user identification information to the user during call connection and receiving the inquired user identification information from the user. .

In FIG. 2, when the remittance amount information is determined from the DTMF analysis unit 220, the PG communication unit 230 may refer to the user database 250 to obtain the first user identification information from the call number of the first communication terminal. Extract the second user identification information from the call number of the second communication terminal and transmit the payment information to the micropayment PG server.

The PG communication unit 230 may extract the user ID from the user database 300 shown in FIG. 3 as the user identification information, and include the user ID in the payment information and transmit the same to the micropayment PG server. In this case, it is assumed that the micropayment PG server maintains the same database as the user database 300 shown in FIG. The micropayment PG server extracts a user ID included in the payment information received from the PG communication unit 230, and further extracts account information, which is another user identifier corresponding to the user ID, to transfer money to the account of the user. You can pay

In addition, the PG communication unit 230 may further extract not only a user ID, but also another user identifier corresponding to the call number, and include the same in payment information and transmit the same to the micropayment PG server.

For example, referring to the user database 300 illustrated in FIG. 3, when the call number of the first communication terminal is “011-9085-7821”, the PG communication unit 230 may include a first call corresponding to the call number. As the user identification information, a user ID (calvinpaik), a social security number (750502-1111111), account information (foreign exchange 777), or a billing server (SKT) may be extracted from the user database 300 and set as remitter information.

In addition, when the call number of the second communication terminal is "02-511-4210", the PG communication unit 230 as the second user identification information corresponding to the call number, user ID (lovenoel), resident number (800503-) 2222222), the account information (joheung 555), or the charging server (KT) can be extracted from the user database 300 and set as the collector information.

Since the micropayment PG server receiving the payment information including the first user identification information and the second user identification information can extract all the information on the remittance payment from the payment information, It may not be necessary to store the user identification information.

The password database 260 maintains one or more user identification information and password information corresponding to each of the user identification information.

The user authentication unit 240 transmits a password input request message to the first communication terminal when the DTMF signal is detected from the first communication terminal through the DTMF detection unit 210 and the feature code is included in the DTMF signal. . When the password message is received from the first communication terminal in response to the transmitted password input request message, the user authentication unit 240 stores the password information recorded in correspondence with the user identification information of the first communication terminal. 260).

The user authentication unit 240 compares the extracted password information with the password message received from the first communication terminal, and authenticates the user as a user of the first communication terminal when the password message is the same as the password information. . After the authentication, the user authentication unit 240 transmits the authentication fact to the DTMF analysis unit 220 so that the DTMF analysis unit 220 can read the transfer amount information from the DTMF signal.

As described above, by performing user authentication only by inputting a password during call connection, leakage of personal information can be prevented in communication.

4 is a diagram illustrating a configuration of a currency exchange service server according to a second embodiment of the present invention.

The second embodiment of the present invention refers to a case in which a user of a first communication terminal wants to transfer a predetermined amount of money to a member server connected to a web (when the user inputs an amount of money through the first communication terminal).

The currency exchange service server 400 according to the second embodiment of the present invention includes a PG communication unit 410, a call setup unit 420, a DTMF detection unit 430, a DTMF analysis unit 440, and a user database 450. It includes.

 According to the second embodiment, the first user may access a web of a predetermined affiliate server and select a remittance to the affiliate server. In this case, the affiliate server sends the user ID of the first user to the micropayment PG server. The micropayment PG server extracts the call number of the first communication terminal corresponding to the user ID from a predetermined database and transmits the call number to the currency exchange service server 400 together with the affiliated company identification information for the affiliated company.

The PG communication unit 410 of the currency exchange service server 400 receives the call number and the affiliated company identification information of the first communication terminal from the micropayment PG server.

The call setup unit 420 sets up a call with the first communication terminal by requesting a call setup using the call number of the first communication terminal received by the PG communication unit 410. The currency exchange service system 400 according to the second embodiment of the present invention for the call setup operation may be included in the exchange of the communication service company, or may be configured in conjunction with the exchange.

When a call is established with the first communication terminal, the call setting unit 420 may transmit a guide message for remittance of money to the affiliated server to the first communication terminal. In addition, without transmitting the guide message, as soon as the call is set up may receive a DTMF input from the first user. At this time, the first user may input the remittance amount information that he or she intends to pay to the affiliate server.

In the second embodiment, unlike in the first embodiment, the first user can input only the remittance amount without inputting the characteristic code. This is because the call is a call set up with the first communication terminal by the money exchange service server 400. That is, even if the feature code is not included in the DTMF signal, the money exchange service server 400 may determine that the DTMF signal received from the first communication terminal is a DTMF signal corresponding to a payment service during a call.

The DTMF detecting unit 430 detects a DTMF signal input from the first communication terminal during a call connection with the first communication terminal set by the call setting unit 420.

The DTMF analyzer 440 interprets the detected DTMF signal and reads remittance amount information input by the user of the first communication terminal. At this time, unlike in the first embodiment, even if the feature code is not included in the DTMF signal, the DTMF analyzer 440 may determine that the DTMF signal corresponds to a DTMF signal corresponding to a payment service during a call.

When remittance amount information is read from the DTMF signal through the DTMF analysis unit 440, the PG communication unit 410 may determine first user identification information, the affiliated party identification information, and the remittance amount of the user of the first communication terminal. Send the information to the micropayment PG server. The first user identification information may be extracted from the user database 450, and the user database 450 may be applied in the same manner as the user database 250 described in the first embodiment.

As described above, according to the second embodiment of the present invention, the user can transfer the amount to a predetermined affiliate server only by inputting an amount to be remitted through the communication terminal, even if the user does not perform internet banking or phone banking. You can conveniently transfer the amount you want to the other party.

5 is a diagram showing the configuration of a currency exchange service server according to a third embodiment of the present invention.

The third embodiment of the present invention refers to a case in which a user of a first communication terminal wants to transfer a predetermined amount of money to an affiliated server connected to a web (when the user has already input the amount of money during the web connection).

The currency exchange service server according to the third embodiment of the present invention includes a PG communication unit 510, a call setting unit 520, a DTMF detection unit 530, a DTMF analysis unit 540, a secret signal storage unit 550, and a user. The authentication unit 560, and the user database 570.

According to the third embodiment, the first user may access a web of a predetermined affiliate server, select a remittance to the affiliate server, and input the amount of remittance. In this case, the affiliate server sends the user ID and the remittance amount information of the first user to the micropayment PG server. The micropayment PG server extracts the call number of the first communication terminal corresponding to the user ID from a predetermined database and transmits the call number to the money exchange service server 500 together with the affiliated company identification information and the remittance amount information of the affiliated company. do.

The PG communication unit 510 of the currency exchange service server 500 receives the call number, the remittance amount information, and the affiliated party identification information of the first communication terminal from the micropayment PG server.

The call setup unit 520 sets up a call with the first communication terminal by requesting a call setup using the call number of the first communication terminal received by the PG communication unit 510. The currency exchange service system 500 according to the third embodiment of the present invention for the call setup operation may be included in the exchange of the communication service company, or may be configured in conjunction with the exchange.

The password storage unit 550 maintains one or more user identification information and password information respectively corresponding to the user identification information.

The call setup unit 520 requests a password input to the first communication terminal when a call is established with the first communication terminal through the call setup unit 520. In response, the first communication terminal user inputs a password through the keypad, and the DTMF signal including the password is transmitted to the currency exchange service server 500.

The DTMF detector 530 detects a DTMF signal input from the first communication terminal.

The DTMF analyzing unit 540 analyzes the DTMF signal to determine a password input by the first communication terminal user.

The user authentication unit 560 extracts the password information recorded corresponding to the user identification information of the first communication terminal from the password storage unit 550. The user authentication unit 550 compares the extracted password information with the password interpreted by the DTMF analysis unit, and authenticates the user as a user of the first communication terminal when the password message is the same as the password.

If the user is authenticated as a user of the first communication terminal through the user authentication unit 560, the PG communication unit 510 is the first user identification information for the user of the first communication terminal, the affiliated company identification information, and the Send the remittance amount information to the micropayment PG server. The first user identification information may be extracted from the user database 570, and the user database 570 may be applied in the same manner as the user database 250 described in the first embodiment.

As described above, according to the third embodiment of the present invention, after the user inputs an amount to be remitted through the web site of the affiliate server, the user inputs the amount to the affiliated server through only a user authentication operation through a password input through a communication terminal. Because you can send money, you can send money to the other party more conveniently without internet banking or phone banking.

In addition to the first, second, and third embodiments of the present invention described above, the in-call payment service according to the present invention allows a user to request a call directly to a currency exchange service server through his communication terminal. After connecting the call between the communication terminal and the currency exchange service server, a predetermined DTMF signal may be transmitted during the call connection. In this case, the money exchange service server may read the remittance amount from the received DTMF signal and pay the read remittance amount to the user through the micro payment PG server. Accordingly, the user may directly call the currency exchange server server and purchase the currency directly, for example, a prepaid calling card, cyber money, website points, game money, or the like.

In addition, according to another embodiment of the present invention, when a user is talking to another user or a currency exchange service server, pressing the specific button may be implemented by sending the SMS message to the user communication terminal. In this case, the user who has received the SMS message may input a remittance amount into a reply SMS message corresponding to the SMS message and transmit it to the currency exchange service server. The money exchange service server may determine the remittance amount from the reply SMS message and pay the remittance amount to another user or the user, and may charge the remittance amount to the user through a PG server.

In addition, according to another embodiment of the present invention, when a user is in a call with another user or a currency exchange service server, when a specific button is pressed, the currency exchange service server transmits a callback URL message to the user communication terminal. It may be implemented. The user receiving the callback URL message accesses the URL through the wireless Internet (WAP, etc.) of the communication terminal and selects a remittance amount and a payment method through a predetermined menu provided by the URL site, thereby providing a payment service during a call. Can be implemented.

6 is a flowchart illustrating a payment service providing method during a call according to the first embodiment of the present invention.

The on-call payment service providing method according to the first embodiment of the present invention may be implemented through a first communication terminal, a currency exchange service server, a micropayment PG server, a billing server, and a second communication terminal.

During the call connection between the first communication terminal and the second communication terminal (step 611), the first communication terminal user inputs the remittance amount including the characteristic code into the first communication terminal (step 612). The first communication terminal transmits a DTMF signal including the characteristic code and the remittance amount information to a currency exchange service server (step 613).

The money exchange service server receives the DTMF signal and detects a feature code from the DTMF signal (step 614). When the characteristic code is detected, the currency exchange service server determines that the DTMF signal is a DTMF signal corresponding to a currency exchange service during a call, and transmits a password input request message for user authentication to the first communication terminal (step). (615)).

When the first communication terminal user enters a password (step 616) to receive a password message from the first communication terminal (step 617), the money exchange service server generates a password stored in the password message and the password database. The information is compared to authenticate the user as the first communication terminal user (step 618).

After the user authentication, the money exchange service server determines the remittance amount input by the first communication terminal user from the DTMF signal (step 619). If the remittance amount is determined, generate payment information including a first user identifier for the first communication terminal user, a second user identifier for the second communication terminal user, and the remittance amount information (step 620). ), And transmits to the micropayment PG server (step 621).

The micropayment PG server receives the payment information from the money exchange service server, determines the remittance amount (step 622), and then pays the remittance amount to the second communication terminal user (step 623). ). In addition, the micropayment PG server transmits the payment information to a carrier billing server associated with the first communication terminal (step 624).

The billing server receives the payment information from the micropayment PG server, determines the remittance amount (step 625), and imposes an amount corresponding to the remittance amount on the first communication terminal user (step ( 626)).

7 is a flowchart illustrating a payment service providing method during a call according to the second embodiment of the present invention.

The method of providing a payment service during a call according to the second embodiment of the present invention may be implemented through a first communication terminal, a currency exchange service server, a micropayment PG server, a billing server, and an affiliate server.

The first communication terminal user may access a website of the affiliate server through the Internet to purchase a predetermined product or select a donation transfer (step 711). After step 711, the affiliate server requests the micropayment PG server for micropayment for the web purchase of the first communication terminal user (step 712).

When the micropayment PG server receives the micropayment request from the affiliate server, the micropayment PG server transmits the call number of the first communication terminal and the affiliate company identification information to the currency exchange service server (step 713).

When the money exchange service server receives the call number and the affiliated party identification information of the first communication terminal from the micropayment PG server, request the call setting to the first communication terminal (step 714), and the first The call is connected with the communication terminal (step 715).

After the call is connected, the first communication terminal user inputs an amount to be remitted to the affiliate server (step 716), and the first communication terminal transmits a DTMF signal including the remittance amount information to the currency exchange service. Send to server (step 717).

The money exchange service server detects reception of the DTMF signal from the first communication terminal (step 718). When the DTMF signal is detected, the money exchange service server interprets the DTMF signal to read remittance amount information (step 719), a first user identifier for the first communication terminal user, the affiliated company identification information, And generating payment information including the remittance amount information (step 720) and transmitting it to the micropayment PG server (step 721).

The micropayment PG server receives the payment information from the money exchange service server, determines the remittance amount (step 722), and then pays the remittance amount to the provisional server (step 723). In addition, the micropayment PG server transmits the payment information to a carrier billing server associated with the first communication terminal (step 724).

The billing server receives the payment information from the micropayment PG server, determines the remittance amount (step 725), and imposes an amount corresponding to the remittance amount on the first communication terminal user (step ( 726)).

8 is a flowchart illustrating a payment service providing method during a call according to a third exemplary embodiment of the present invention.

The method of providing a payment service during a call according to the third embodiment of the present invention may be implemented through a first communication terminal, a currency exchange service server, a micropayment PG server, a billing server, and an affiliate server.

The first communication terminal user may access a website of the affiliate server through the Internet to purchase a predetermined product or select a donation transfer (step 811). In step 811, the first communication terminal user directly inputs the amount information according to the purchase of the product or the transfer of the donation through the website.

After step 811, the affiliate server requests a micropayment for the web purchase of the first communication terminal user to the micropayment PG server (step 812).

When the micro payment PG server receives the micro payment request from the affiliate server, the micro payment PG server transmits the call number of the first communication terminal, the remittance amount information, and the affiliate company identification information to the currency exchange service server (step 814). . Before step 814, the money exchange service server maintains a password storage unit in which user passwords corresponding to a plurality of user identification information are recorded (step 813).

When the money exchange service server receives the call number, the remittance amount information, and the affiliated party identification information of the first communication terminal from the micropayment PG server, request the call setting to the first communication terminal (step 815). )), And connect a call with the first communication terminal (step 816).

When the call is connected, the money exchange service server requests a password input to the first communication terminal (step 817). In response to the password input request, a user of the first communication terminal inputs a password (step 818), and a DTMF signal including the password is transmitted to the money exchange service server (step 819).

The currency exchange service server authenticates the user as the first communication terminal user by comparing the password input by the user from the transmitted DTMF signal with password information stored in correspondence with the first communication terminal user in the password storage unit. (Step 820).

After the user authentication, the money exchange service server generates payment information including a first user identifier, the affiliated company identification information, and the remittance amount information for the first communication terminal user (step 821), Send to small payment PG server (step 822).

The micropayment PG server receives the payment information from the money exchange service server and pays the remittance amount to the affiliate server (step 823). In addition, the micropayment PG server transmits the payment information to a carrier billing server associated with the first communication terminal (step 824).

The billing server receives the payment information from the micropayment PG server, determines the remittance amount (step 825), and imposes an amount corresponding to the remittance amount on the first communication terminal user (step ( 826)).

As described above, according to the first, second, or third embodiments of the present invention, the user desires a simple operation of inputting the amount of money information that the user wants to transfer through a keypad during a call. The amount can be remitted to the other party, and the amount is charged to the user in addition to the charge of the communication terminal, so that a payment service during the call can be provided more conveniently and securely.

The method of providing a payment service during a call according to the present invention may be implemented in the form of program instructions that can be executed by various computer means and recorded in a computer readable medium. The computer readable medium may include program instructions, data files, data structures, etc. alone or in combination. Program instructions recorded on the media may be those specially designed and constructed for the purposes of the present invention, or they may be of the kind well-known and available to those having skill in the computer software arts. Examples of computer-readable recording media include magnetic media such as hard disks, floppy disks, and magnetic tape, optical media such as CD-ROMs, DVDs, and magnetic disks, such as floppy disks. Magneto-optical media, and hardware devices specifically configured to store and execute program instructions, such as ROM, RAM, flash memory, and the like. The medium may be a transmission medium such as an optical or metal wire, a waveguide, or the like including a carrier wave for transmitting a signal specifying a program command, a data structure, or the like. Examples of program instructions include not only machine code generated by a compiler, but also high-level language code that can be executed by a computer using an interpreter or the like. The hardware device described above may be configured to operate as one or more software modules to perform the operations of the present invention, and vice versa.

While specific embodiments of the present invention have been described so far, various modifications are possible without departing from the scope of the present invention.

Therefore, the scope of the present invention should not be limited to the described embodiments, but should be defined not only by the claims below, but also by the equivalents of the claims.

According to the payment service system during the call of the present invention, when the communication terminal user is in a call with another user, the user can transmit the amount of money to the other user only by inputting a DTMF signal including a predetermined characteristic code and the amount of money. You can get it.

In addition, according to the payment service system of the present invention, by providing a password to the user of the communication terminal to authenticate the user through the password when the payment during the call, to enhance the security while preventing the leakage of personal information The effect can be obtained.

In addition, according to the in-call payment service system of the present invention, in addition to providing a payment service during the call by the method of depositing money, gift vouchers, cyber money, or free call tickets corresponding to the amount entered by the user in the DTMF signal, etc. By paying to other users, it is possible to obtain the effect of allowing the user to make various gifts on the fly during the call with other users.

As described above, the present invention has been described by way of limited embodiments and drawings, but the present invention is not limited to the above-described embodiments, which can be variously modified and modified by those skilled in the art to which the present invention pertains. Modifications are possible. Accordingly, the spirit of the present invention should be understood only by the claims set forth below, and all equivalent or equivalent modifications thereof will belong to the scope of the present invention.

Claims (11)

In the micropayment service system, When a predetermined dual tone multi frequency (DTMF) signal is received from the first communication terminal during call connection between the first communication terminal and the second communication terminal, remittance amount information regarding the remittance amount is determined from the received DTMF signal. Currency exchange for generating and transmitting payment information including the remittance amount information, first user identification information for the first communication terminal user, and second user identification information for the second communication terminal user, to a predetermined server; A service server, wherein the payment information is designated with the first user identification information as remitter information and the second user identification information as remitter information; A PG server which receives the payment information from the money exchange service server, controls the remittance amount to be paid to the second communication terminal user, and transmits the payment information to a predetermined charging server associated with the first communication terminal; And A charging server for charging the remittance amount read from the payment information received from the PG server to the first communication terminal user Payment service system during the call, characterized in that it comprises a. The method of claim 1, The currency exchange service server detects a DTMF signal input from the first communication terminal during a call between the first communication terminal and the second communication terminal, interprets the DTMF signal, and includes a predetermined characteristic code in the DTMF signal. If present, the payment service system, characterized in that for determining the remittance amount information from the DTMF signal. A DTMF detecting unit detecting a DTMF signal input from the first communication terminal during a call between the first communication terminal and the second communication terminal; A DTMF analysis unit for analyzing the DTMF signal and determining remittance amount information from the DTMF signal if a predetermined characteristic code is included in the DTMF signal; And PG communication unit for transmitting the payment information including the first user identification information for the user of the first communication terminal, the second user identification information for the user of the second communication terminal, and the remittance amount information to the PG server Currency exchange service server comprising a. The method of claim 3, And the first user identification information is identification information of the first communication terminal, and the second user identification information is identification information of the second communication terminal. The method of claim 3, User database for storing user identification information for the user of the communication terminal corresponding to the call number of the communication terminal More, The PG communication unit, A currency exchange, extracting the first user identification information from the call number of the first communication terminal and extracting the second user identification information from the call number of the second communication terminal with reference to the user database Service server. The method of claim 3, A password database for maintaining one or more user identification information and password information corresponding to each of the user identification information; And When the DTMF signal is received from the first communication terminal, a password input request message is transmitted to the first communication terminal, and a password message corresponding to the password input request message is received from the first communication terminal. If the password message is the same as the password information corresponding to the first communication terminal recorded in the password database, the user authentication unit for controlling the PG communication unit to transmit the payment information to the micropayment PG server Currency exchange service server further comprises. The method of claim 1, The micro-payment PG server is a payment service system, characterized in that for controlling the payment of the gift certificate, cyber money, or free calling ticket corresponding to the transfer amount to the second communication terminal user. A PG communication unit configured to receive a call number of the first communication terminal and affiliated company identification information from the PG server; A call setup unit for setting up a call with the first communication terminal by transmitting a call setup request to the first communication terminal; A DTMF detector for detecting a DTMF signal input from the first communication terminal during the set call; And DTMF analysis unit for determining the transfer amount information by analyzing the DTMF signal Including, And the PG communication unit transmits first user identification information, the affiliated company identification information, and the remittance amount information of the user of the first communication terminal to a PG server. A password storage unit for storing a password in correspondence with a user; A PG communication unit which receives a call number, remittance amount information, and affiliated company identification information of the first communication terminal from the PG server; A call setup unit for setting up a call with the first communication terminal by transmitting a call setup request to the first communication terminal; A DTMF detector for detecting a DTMF signal input from the first communication terminal during the set call; A DTMF analyzer for analyzing the DTMF signal to determine a password; And A user authentication unit for authenticating a user of a first communication terminal with reference to the password stored in the password storage unit and the DTMF signal. Including, When the user of the first communication terminal is authenticated by the user authentication unit, the PG communication unit transmits the first user identification information, the affiliated company identification information, and the remittance amount information of the user of the first communication terminal to the PG server. Currency exchange service server, characterized in that for transmitting. The method according to claim 8 or 9, A user database for storing user identification information of a user of the communication terminal in correspondence to the call number of the communication terminal; More, And the PG communication unit extracts the first user identification information from the call number of the first communication terminal with reference to the user database. The method according to claim 8 or 9, The PG server controls the remittance amount to be transferred to a predetermined account associated with the affiliate server, or the cyber money corresponding to the remittance amount is charged to the account of the first communication terminal user or another user account associated with the affiliate server. Currency exchange service server, characterized in that.

Images