KR20000036574A - Credit settlement system using mobile communication number and approving method thereof - Google Patents

Abstract

PURPOSE: A credit settlement system using mobile communication phone numbers are provided to use mobile communication phone numbers as a reliable credit settlement unit by adding a confirmation stage for purchaser identification and credit settlement specifications in executing credit settlement through credit cards and electronic commerce on an internet. CONSTITUTION: In a credit settlement approval system, a credit information data base for mobile communication phone numbers is set up(S1). A purchaser selects goods through internet electronic commerce and requests credit settlement using his mobile communication phone number(S2). A merchant transmits transaction specifications to the credit settlement approval system through the computer network and requests confirmation for the transaction(S3). A credit settlement approver in the credit settlement approval system evaluates the possibility of credit settlement for the mobile communication phone number and transaction specifications requested for confirmation(S4). The credit settlement approver announces the transaction specifications and a transaction confirmation number to the mobile communication terminal of the purchaser through short message service(S5).

Description

Credit settlement system using mobile communication number and approving method

The present invention relates to a credit settlement system and an approval method using a mobile communication telephone number, and more particularly, by adding a purchaser's main authentication name and credit settlement confirmation step in performing credit settlement through a credit card and electronic commerce on the Internet. It is invented so that mobile communication number can be used as a reliable credit settlement means.

In the conventional credit settlement, the most widely used method of credit settlement in general and electronic commerce is by credit card. The approval process of credit settlement using such credit card is usually a credit approvers. And, the credit settlement approval is processed between the seller and the buyer through the verification procedure as shown in FIG.

That is, when a buyer selects a product (or service) and presents a credit card for payment for the selected product (1 in Fig. 1a), the seller enters the credit card and the payment amount into the credit card terminal and accepts the credit approval. (② of FIG. 1A), the credit approval approverer checks the credit of the entered credit card number and if the approval is possible for the billed amount, the authorization number is sent to the seller's credit card terminal (③ of FIG. 1A). ), The seller records the charge amount and the authorization number on the credit card payment sheet and requests the buyer to sign it (④ in FIG. 1A). Accordingly, the buyer confirms the transaction details and the amount written on the payment sheet, and if they agree, When the signature is returned to the seller, the approval process is completed (⑤ in FIG. 1A).

In the approval process for the credit settlement of such credit card, the approval of the approval of the purchaser's approval of the purchaser's main authentication name and the contents of the credit request is immediately approved, as the approval of the payment is approved only by the exchange of information with the seller. It will not be sent to the approver, and the approval of the payment will only be approved by the seller.

Therefore, if the seller makes an illegal payment request (or if the payment is made by a buyer who illegally copies another person's credit card), the payment approver and the buyer pay the credit approval stage and the seller. This is not known at the step (ie, ⑥ in FIG. 1A), and when the payment approver issues a bill for payment (⑦ in FIG. 1A), and the buyer confirms the transaction and disputes the payment (FIG. 1A). Only ⑧) can recognize illegal use.

On the other hand, in the case of using a credit card (phone banking, etc.) by conventional e-commerce or telephone call on the Internet, credit approval is confirmed only by verifying the credit card number, expiration date and password. (Or an illegal purchaser who knows the credit card number of another person) can easily request the approval of the credit card of the person in step ② of FIG. 1 (a), in which case, steps ④ of FIG. 1A and ⑤ of FIG. 1A. The purchaser will approve the credit settlement, ignoring the transaction verification and signing process.

Therefore, in this case, there is a serious problem that illegal credit approval is approved without defense within the credit limit of the credit card.

In addition, since the e-commerce is formed through the network, users do not meet each other, which is an advantage of the e-commerce, but on the contrary, it is not easy to authenticate each other's identity.

In addition, the conventional electronic payment methods of banks and the like have secured safety due to the use of a dedicated line that allows only the connection of related organizations or the closure of an internal system such as a solid computer center that does not allow intrusion from the outside.

However, in the current Internet, information of each individual, company, or government is easily transmitted to the other party through the Internet. Conversely, this information can be easily accessed by others through the Internet.

Moreover, with the development of the World Wide Web (WWW) technology, general users can easily access such information, and the security problems of electronic commerce such as user authentication, personal privacy and personal information on the Internet have emerged as important tasks. have.

In order to secure such e-commerce on the Internet, it is urgently necessary to confirm that the other party is the person who is the first person and to prevent the illegal acquisition of information by copying the transaction information.

In other words, there should be a structure that proves the identity of the counterparties, proves that there is no injustice in the transaction details, and suggests a method of ensuring confidentiality so that the transaction details are not exposed to third parties, and the modification or transaction of the transaction contents is presented. We need a way to make this fact or content undeniable

The serious problems of the conventional credit settlement technology and Internet e-commerce are caused by the following fundamental and structural problems.

First, there is a structural problem in which the credit approval approver and the seller cannot trust the buyer's authentic name. Second, the approval of the payment approver managing the buyer's property (credit) in the approval process confirms the buyer's direct confirmation of the transaction. Without approval, since the payment is approved based on the seller's request for payment, there is a structural problem that may occur when the buyer does not know the seller's transaction details and the payment amount requested by the credit approvers.

Third, the credit card number, expiration date, password, etc., which are used as a verification method when approving payments are fixed information, and a structural problem that such information is likely to be leaked to the seller (or other person) during the real commerce or electronic commerce. In addition, in the case of electronic commerce on the Internet, such information is often stored on the seller's computer, and the stored data is leaked to the seller or others through illegal copying, reuse, or information theft (hacking, etc.) Accidents that are reused in practice are actually occurring frequently.

The present invention has been made in order to solve the problems of the existing credit settlement and Internet e-commerce described above, by adding the purchaser's main authentication name and credit settlement confirmation step lacking in the credit settlement approval process of the existing credit settlement method, The purpose of the present invention is to provide a credit settlement system and an approval method using a mobile communication telephone number that can use a communication telephone number as a reliable credit settlement means.

The object of the present invention described above can be achieved by processing the credit approval through the following confirmation procedure between the credit approval applicator, the seller, and the buyer, which is a transaction party, in the credit approval process.

That is, the purchaser selects a product (or service) and presents a mobile communication telephone number for payment of the selected product (1 in FIG. 1B); Seller sends a mobile communication phone number and transaction details (purchase history, billing amount, etc.) to the credit settlement approvers to request credit status confirmation (2 in FIG. 1b); If the credit settlement approver can check the credit of the mobile phone number for the transaction that is requested to be confirmed and can approve the billed amount, the transaction confirmation number is issued and the short message service is provided to the buyer's mobile phone number. Transmitting through a wireless Internet service) (3 in FIG. 1B); The purchaser checks the credit settlement claim through the short message service (or wireless Internet service) received by his mobile communication terminal, and if he agrees, informing the seller of the received transaction confirmation number along with the claim (FIG. 1b). ④) and; Seller sends a transaction confirmation number received from the buyer to the credit approval approvers to request credit approval (⑤ in FIG. 1B); If the transaction confirmation number issued by the credit approval person to the buyer and the transaction confirmation number received from the seller match, the credit settlement approval is made to the seller (⑥ in FIG.

In the step of approving the credit settlement (⑥ in Fig. 1b), the credit approval applicator transmits the credit approval approval result to the buyer through a short message service (or wireless Internet service) so that the buyer knows whether the approval is approved ( It can be achieved by adding ⑦) of FIG. 1B to the confirmation procedure between the trading parties.

In addition, an additional object of the present invention is to move a buyer who makes a credit settlement using a mobile phone number by exchanging information between a settlement approver and a seller, a settlement approver and a buyer, and a seller and a buyer at the credit approval stage. A main authentication name step of verifying whether the actual owner of the communication telephone number; This can be accomplished by having the buyer confirm the transaction details of the seller and verifying the transaction history, and having the credit approval approves the credit settlement after each step.

Therefore, the mobile communication telephone number can be used as a reliable credit settlement means.

1 is a conceptual diagram of a confirmation process between trading parties in the credit approval process for comparing and comparing the prior art and the present invention,

Figure 1 (a) is a schematic diagram of the verification process between the parties to the transaction in the credit approval process of the conventional (credit card, etc.).

Figure 1 (b) is a schematic diagram of the verification process between the trading parties in the credit settlement approval process according to the present invention.

Figure 2 is a credit settlement and credit approval step using the present invention method.

3 is an overall block diagram of a system of the present invention;

Figure 4 is a detailed block diagram of the credit approval system of FIG.

5 is a detailed view of the embodiment of step 1 of FIG.

5 (a) is a configuration diagram of the mobile communication service provider's customer management system for establishing a credit information database.

Figure 5 (b) is a credit information that must be received from the customer management system of the mobile communication provider to build a credit information database.

6 is a detailed flowchart of step 4 of FIG.

7 is a detailed flowchart of step 9 of FIG. 2;

8 is a detailed flowchart of step 11 of FIG.

Figure 9 is an illustration of a short message for the transaction history and transaction confirmation number appearing in the text display window of the mobile communication terminal to which the present invention is applied.

Explanation of symbols on the main parts of the drawings

1: Mobile service provider 2: Buyer

3: general commerce and e-commerce network 4: credit approval system

11: customer management system 12: door message system

21: mobile communication terminal 31: the seller

41: credit information database section 42: credit settlement approval database section

43: Credit Information Database Management Department

44: Settlement of credit approval

45: Confirmation of payment details and credit verification department

46: Credit settlement approval department

47: customer management system connection

48: Short message system connection

49: merchant computer system connection

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

Figure 2 shows a credit settlement and credit approval step using the present invention method, Figure 3 shows the overall block diagram of the system of the present invention, Figure 4 is a detailed block diagram of the credit approval system of Figure 3 It is shown.

In addition, Figure 5 is a detailed view of the embodiment of step 1 of Figure 2, Figure 5 (a) shows the configuration diagram of the mobile communication service provider's customer management system for establishing a credit information database, 5 (b) shows the credit information that must be received from the customer management system of the mobile communication provider to build a credit information database, Figure 6 shows a detailed flow chart for step 4 of FIG.

7 is a detailed flowchart of step 9 of FIG. 2, FIG. 8 is a detailed flowchart of step 11 of FIG. 2, and FIG. 9 is a transaction that appears in a text display window of a mobile communication terminal to which the present invention is applied. An example of a short message on the details and transaction confirmation number is shown.

According to the present invention, there is provided a credit information approval system 4 for constructing a credit information database for a mobile communication telephone number (S1);

A purchaser (2) selecting a product (or service) from an Internet e-commerce (or a store of physical commerce or a telephone of a door-to-door sales) and claiming a credit settlement using a mobile communication telephone number (S2);

Seller 31 transmits the transaction details (transaction number, mobile phone number, seller name, charge amount, product list, etc.) to the credit settlement approval system 4 through a computer network, requesting transaction confirmation (S3) )Wow;

Evaluating whether the credit settlement approver of the credit settlement approval system 4 can approve the credit for the mobile communication telephone number and transaction details (billing amount) received from the transaction confirmation request (S4);

The purchaser's mobile communication terminal 21 transmits the transaction details and the transaction confirmation number that the credit approval approvers received the transaction confirmation request through the short message service (or wireless Internet service) of the mobile communication service provider 1, which is the existing mobile communication service network. Notifying (S5);

Confirming, by the purchaser (2), the transaction confirmation requested transaction details and the transaction confirmation number received from the payment approver via the mobile communication terminal (21) (S6);

Confirming the transaction by notifying the seller (over the Internet, by telephone, or orally) of the transaction confirmation number received from the payment approver via the mobile communication terminal 21 of the buyer (S7);

The seller 31 notifying the settlement applicator of the transaction confirmation number and the transaction details received from the buyer through the computer computer network to request credit approval (S8);

Approving the credit settlement (S9) if the credit approval person compares the transaction confirmation number received from the seller 31 with the transaction confirmation number sent to the buyer in step S5;

Step S10 of notifying the seller (or the seller and the buyer) of the credit approval result of the credit approval;

The credit approval approver recording the credit approval approval history and adjusting the credit limit (S11);

Step S12 of claiming and accepting credit settlement charges by the credit settlement approver;

It is characterized in that the credit settlement approved by the seller (S13) for calculating the credit approval history for each seller (see Fig. 2).

In the method of the present invention consisting of such steps, in the credit settlement approval step, the information is exchanged between the settlement approver and the seller, the settlement approver and the buyer, and the seller and the buyer, and the credit settlement approver generates the transaction confirmation number and moves the buyer. Sent to the communication telephone number (step S5), the buyer notified to the seller (step S7), and the seller again sends the transaction confirmation number notified through the buyer to the credit approval applicator (step (S8) ), And the credit settlement approval is made by comparing the transaction confirmation number generated within itself with the transaction confirmation number received from the seller through each step (step S9). The approvers and sellers can clearly confirm that they are the actual owners of the mobile phone number presented by the buyer.

In addition, in the step (S6), the buyer confirms the transaction details of the seller and confirms the transaction details presented by the seller, so that the buyer and the payment approver can clearly confirm, and each credit confirmation step is confirmed by the credit approvers (step (S9)), it is possible to reliably perform credit settlement and credit settlement.

Meanwhile, in order to describe the above-described method of the present invention in detail, the present invention will be described in detail with reference to FIGS. 3 to 9 through a preferred exemplary embodiment of the present invention, including the configuration of a system for performing each step. Same as

First, in the credit settlement method using the mobile communication telephone number of the present invention, credit settlement procedures and methods performed by credit approvers, sellers, and buyers are led by credit approval methods of the credit approvers.

In other words, the seller and the buyer can perform a credit transaction according to the rules set forth by the credit approvers.

Therefore, in the present embodiment will be described with a focus on the credit approval method of the credit approvers.

The credit settlement approval method of the credit settlement side may be ultimately implemented as a software of the credit settlement system and the computer system using the mobile communication telephone number of the present invention.

Such a credit settlement system using a mobile telecommunication phone number includes a credit approval system including a computing device of an existing mobile communication provider 1 and a computing device installed by a seller 31 having an existing general commerce and e-commerce network. The credit approval system 4 and the purchaser 2's mobile communication terminal 21 are configured to operate in conjunction with each other.

That is, the system of the present invention includes a customer management system 11 and a short message system 12, as shown in Figs. 3 and 4, and communicates with the credit approval system 4 through TCP / IP. A mobile communication service provider 1 for transmitting a short message to the mobile communication terminal 21 of the purchaser 2; A credit settlement approval system for performing a credit settlement procedure of a specific buyer requested by a seller by performing wired communication with the mobile communication provider 1, including a general commerce and an e-commerce network (3), through a TCP / IP method ( 4) and; Conduct an e-commerce transaction with the seller (31) via the Internet, or by placing an order or information orally directly from a product order or a general store via telephone, and the transaction details and transaction confirmation number received from the mobile telecommunications provider (1) A buyer 2 for confirming and orally notifying the seller 31 of the transaction confirmation number; Requests for credit verification by sending transaction details and mobile communication number according to buyer's request to credit settlement approval system 4 and approves the transaction confirmation number and transaction details received from buyer 2 through computer network In the credit settlement system using a mobile communication phone number consisting of a seller 31 to notify the approver and receive credit approval,

The credit approval system 4 includes a credit information database unit 41 for storing a mobile communication telephone number subscribed to a mobile communication service and credit information of each mobile communication telephone number;

A credit settlement approval database unit 42 for storing a credit settlement approval result;

A credit information database manager 43 for accessing the credit information database 41 and managing data;

A credit settlement approval settlement unit 44 for accessing the credit settlement approval database unit 42 to manage data and performing settlement functions with the seller 31, the mobile communication service provider 1, and the purchaser 2;

Software for receiving the credit settlement confirmation request including the mobile communication number and transaction details of the purchaser (2) from the seller (31) to check the credit information, and to connect with the short message system (12) of the mobile communication provider (1). Payment request confirmation and credit confirmation unit 45 to send the transaction confirmation number and credit transaction details to the buyer through;

A credit approval unit 46 for receiving the credit approval request from the seller 31 to compare the transaction confirmation number to determine whether to approve it, and to notify the seller 31 and the buyer 2 of the credit approval unit 46;

A customer management system connection unit 47 for establishing a communication network by connecting to the customer management system 11 of the mobile communication provider 1 through a TCP / IP protocol;

A short message system connection unit 48 that connects the short message system 12 of the mobile communication provider 1 with a TCP / IP protocol to form a communication network;

It is characterized in that it consists of a computer system connection unit 49 of the sellers 31 to configure the communication network by connecting to the computer systems of the plurality of merchants 31 and TCP / IP protocol.

In other words, the system of the present invention interworks with the customer management system 11 and the short message system 12, which are the existing devices of the mobile communication provider, in order to utilize the existing mobile communication service of the mobile communication provider 1, TCP / IP is used as an interworking method.

In addition, since it must also interwork with the computing devices of the merchants 31, and interoperates with the computing devices of the merchants 31 through a computer network, using the TCP / IP method as the interworking method.

In addition, the purchaser must be a mobile communication customer owning the mobile communication telephone number (and the mobile communication terminal 21), and the credit approval applicator communicates for information exchange using the short message service, which is the existing mobile communication service. The buyer communicates with the seller by e-commerce via the Internet, by ordering goods over the telephone, or by sending oral orders or information to the seller directly from a general store.

In this case, the credit settlement approval system 4, as described above, the credit information database unit 41, the credit settlement approval database unit 42, the credit information database management unit 43, the credit settlement approval settlement unit 44 ), The payment confirmation and credit check unit 45, credit approval unit 46, customer management system connection unit 47, short message system connection unit 48 and seller computer system connection unit 49 by the seller The credit approval process can be performed to the specific buyer's mobile phone number.

Hereinafter, the steps of performing the credit approval in the present invention system as described above are as follows.

A. In the mobile communication telephone number credit information database construction step (S1), the credit settlement approval system constructs a database of credit information referred to for determining whether to approve the credit settlement for the mobile communication telephone number. As shown in (b) of (b), the mobile phone number, which is essential information for credit approval, the current credit limit for each phone number, etc., is received from the customer management system 11 of the mobile communication provider 1 The data is recorded in the information database section 41.

At this time, the credit settlement approval system 4 may exchange information with the customer management system 11 of the mobile communication service provider 1 through the computer network as shown in FIGS. 3 and 4 described above, and move as necessary. Information (name, address, social security number, other information, etc.) about the customer who owns the communication telephone number may be transmitted, which is illustrated in FIG.

In addition, the mobile phone number is first received all registered mobile phone number subscribed to the mobile communication service and registered, and after that received a new phone number to register additional registration, and canceled the mobile communication subscription Receive a phone number and delete it.

On the other hand, the credit limit for a mobile phone number is a post-paid service fee-saving mobile communication service that is currently used the most, the mobile operator can set a credit limit for the mobile phone number. After receiving the monthly mobile communication fee (including credit payment), the credit limit can be newly renewed and recorded in the credit limit of the corresponding telephone number.

In the case of a mobile communication service with a pre-paid service fee payment method, the phone number is credited in real time to the currently available limit (balance) of the mobile communication fee (including credit settlement) paid by the customer in advance. It should be written to the limit.

B. In step S2 of selecting a product (or service) and claiming a credit payment using a mobile communication telephone number, the buyer (or a shopping mall on the Internet or a visiting seller) calls the product (or service) at the seller's store. ), And in the step of claiming the payment using the mobile phone number in return, the buyer as a mobile subscriber selects the goods (or services) at the seller's store in the real commerce.

At this time, the purchaser who is a mobile subscriber may select a product (or service) in the Internet shopping mall, and the seller is in the case of door-to-door sales through a telephone. The buyer can also select a product (or service) over the telephone, which informs the seller of the mobile telephone number as a means of paying for the selected product.

In addition, at this time, the purchaser may enter the mobile communication telephone number into the mobile communication telephone number input section of the billing screen of the Internet shopping mall as a means of paying for the selected product, and the seller in the case of the door-to-door sales through the telephone, etc. May inform the seller of the mobile telephone number over the telephone.

C. In the step (S3) of transmitting the transaction details to the credit approval applicator and requesting the transaction confirmation, as a result of the step (S2), the seller who received the credit settlement for the mobile phone number is a transaction number that is a unique number for the transaction. To create a transaction history that includes the transaction number, the seller's name, the mobile phone number received from the buyer, the list of products selected by the buyer, and the price of the product, and then approves the transaction through the computer network. It transmits to the system and requests transaction confirmation.

D. In the step (S4) of evaluating the credit settlement of the mobile phone number and the transaction details, the credit approval approval system, which is requested to confirm the transaction from the seller as a result of the step (S3), performs the software as shown in FIG. Through the confirmation of the registration of the mobile phone number and the credit limit of the telephone call is evaluated whether the credit settlement for the billing amount of the transaction received from the seller is possible, and if the credit settlement is possible as a result of the above evaluation, (S5) Perform the following transaction confirmation procedures and, if credit settlement is not possible, notify the seller of the refusal and reasons for rejection.

At this time, if the telephone number is registered, but the transaction confirmation is rejected due to the credit limit, the reason for rejecting the transaction confirmation is made, and it is converted into a short message and sent to the buyer's mobile communication terminal and the buyer rejects the transaction confirmation. You can also check why.

E. In the step (S5) of notifying the buyer of the transaction details and the transaction confirmation number, if the credit settlement is evaluated as a result of the step (S4), the credit approval system can be used by the buyer in the next transaction confirmation. The transaction confirmation number is generated, the transaction confirmation number and the transaction history received from the seller in step S3 are converted into a short message and transmitted to the buyer's mobile communication terminal using the short message service which is an existing mobile communication service.

At this time, the credit settlement approval system records the transaction number and transaction confirmation number in the transaction number and transaction confirmation number in the form as shown in FIG. 5 (b) in the credit information database unit 41 of the corresponding phone number, step S9. ) Can be used as information to confirm the transaction confirmation process between the seller and the buyer during the credit approval stage.

F. Checking the transaction history (S6) is the most important step among the features of the present invention, the buyer confirms the transaction history and the transaction confirmation number received in their mobile communication terminal.

At this time, since the transaction details, such as the information about the seller who charged the payment, the billing amount, the details of the goods billed for payment, etc. are displayed, the buyer checks the displayed transaction history and then agrees to the transaction history. S7) The following transaction confirmation procedures can be implemented, and if you do not agree with the transaction details, you can ignore the previous payment procedure arbitrarily, so all procedures proceeded up to this point are automatically canceled (notify the seller of the transaction confirmation number). Payment is valid only if the transaction is not made. If the seller is not notified of the transaction confirmation number, all the transaction procedures above will be automatically canceled.

When the purchaser confirms and agrees to the transaction details received at his mobile communication terminal, the purchaser may check the transaction confirmation number displayed on the terminal, wherein the transaction details are based on the specification of the purchaser's mobile communication terminal (see FIG. b) In the terminal type) is displayed in a form suitable for the short message display method of the terminal.

G. In the step (S7) of confirming the transaction by notifying the seller of the transaction confirmation number, when the buyer agrees to the transaction details as a result of the step (S6), the buyer creates the buyer in step S5 by the credit settlement approver. Notify and confirm the payment by informing the seller of the transaction confirmation number confirmed by the buyer in step (S6).

In this case, if the seller is a physical store, the buyer may verbally inform the seller of the transaction confirmation number. Also, if the seller is a shopping mall on the Internet, the buyer may enter the same number on the transaction confirmation number input screen of the Internet shopping mall. In the case of door-to-door sales, the buyer may inform the seller of the transaction confirmation number by telephone.

H. In the step S8 of notifying the credit confirmation approver of the transaction confirmation number and requesting the credit approval, the seller transmits the transaction confirmation number received from the buyer in step S7 together with the transaction number to the credit approval system. Through the transmission through the request for credit approval, at this time, the transaction history sent in step S3 may be transmitted again to increase the reliability of the credit settlement.

I. In the step S9 of confirming the transaction confirmation number and approving the credit settlement, the credit settlement approval system receives the request from the seller for the credit approval request received from the seller as a result of step S8, as shown in FIG. The transaction confirmation number and the transaction confirmation number generated in step S5 and recorded in the transaction confirmation number section of the credit information database (FIG. 5b), and the transaction number received from the seller and the credit information database (S5) in step S5. Approve the credit settlement if the transaction confirmation number and transaction number match as compared with the transaction number recorded in the transaction number of), and if the transaction confirmation number or transaction number is not matched, the credit settlement is not approved. .

In this case, if the credit settlement is approved, the procedure of step (S10) or less is performed, and if the credit settlement is not approved, the seller is notified of the credit settlement, and the buyer is notified of the credit settlement reason and transaction details in a short message. Send to the buyer's mobile communication terminal.

J. In the step (S10) of notifying the seller (or the seller and the buyer) of the result of the credit approval, in the case of approving the credit settlement as a result of the above-mentioned step (S9), the credit settlement approval system sends the credit approval result to the seller. Notify.

In addition, the credit settlement approval result may be converted into a short message and transmitted to the purchaser's mobile communication terminal through a short message service.

K. In case of approving the credit settlement as a result of the above step (S9), the credit settlement approval system records the credit approval history in the database as shown in FIG. In the future, the credit settlement with the seller can be used as a data to settle the credit settlement, and the credit limit for the phone number recorded in the credit information database is subtracted from the credit settlement approval amount. Record in the credit limit section of the information database, and transfer the payment amount of the credit approval details to the mobile operator's customer management system.

At this time, in the mobile communication service of prepaid fee collection method, the credit approval approval is transmitted to the mobile communication service provider's customer management system in real time, and in the mobile communication service of the postpaid fee payment method, it is settled in real time transmission or periodically (monthly basis, etc.). Send the content.

L. In the step of charging (receiving) the payment (S12), first, if the mobile communication service provider is responsible for receiving the credit payment in the prepaid mobile communication service in real time when the credit approval from the amount prepaid by the mobile communication customer By charging (receiving) the credit settlement, that is, reducing the credit settlement amount from the prepaid amount.

The credit settlement approval system notifies the mobile communication service provider's customer management system in real time at the same time as the credit settlement approval and requests that the credit settlement amount is automatically received from the buyer's telephone number (the credit settlement amount is reduced from the prepayment).

Secondly, in the post-paid mobile telecommunications service, when a mobile carrier is responsible for storing credit payments, the mobile carrier adds and uses the amount used for credit settlement when issuing its bill.

In this case, the credit settlement approval system calculates and sends the credit settlement approval details to the mobile communication provider so that when the mobile communication service provider's customer management system issues its telecommunication bill, the credit settlement approval can be added. .

Third, if the credit settlement applicator is responsible for storing the credit settlement, in the case of prepayment, the credit settlement amount is reduced in real time at the same time as the approval of the credit settlement from the amount prepaid. Accumulate the amount so that it can be used when issuing the bill.

M. In the step of settlement of credit approval approval by seller (S13), the credit approval system categorizes the credit approval approval details by seller, calculates the fees agreed between the credit approval approval seller and the seller, Allow the settlement of

The above embodiment is one example illustrated for the purpose of explanation of the present invention, and various embodiments are possible according to the application method for each step of the present invention.

In particular, in the steps and embodiments of the invention described above, each step has been described as a credit settlement using a mobile communication telephone number, and the term for this, but if the credit settlement charges to 0 won in each step, the credit settlement of the present invention The method can be used as a user authentication method for a mobile phone number.If the customer information is requested for the mobile phone number instead of the credit approval, the customer can obtain the customer's consent to disclose the customer information of the mobile communication customer. It can also be used as a way of providing information.

On the other hand, when an Internet service provider needs to verify the subscription of the mobile phone number and the actual owner of the mobile phone number in order to present the mobile phone number from the Internet service customer and use it as proof of identity, A mobile communication telephone number authentication method for the purpose of providing a mobile communication telephone number authentication service to the Internet service provider as described above is as follows.

Mobile phone number With the credit information database established, the Internet service customer selects the goods (or services) of the Internet service provider on the Internet and presents the mobile phone number for identification purposes. The use of the mobile phone number and the phone number authentication information is transmitted to the system to request confirmation of the mobile phone number.

Therefore, the phone number authentication system confirms the registration of the mobile communication phone number, and the phone number authentication system notifies the Internet service customer of the use of the confirmation number and the phone number authentication information through the short message service which is an existing mobile communication service. After that, the Internet service customer can check the usage of the phone number authentication information received from the phone number authentication system through his mobile terminal.

As such, the Internet service customer may notify the Internet service provider of the confirmation number received from the phone number authentication system through his mobile communication terminal, and the Internet service provider may notify the phone number authentication system of the confirmation number received from the Internet service customer.

Thereafter, the phone number authentication system compares the confirmation number received from the Internet service provider with the confirmation number sent to the Internet service customer in the previous step, and performs authentication of the mobile communication phone number of the Internet service customer. Notify the Internet service provider (and the Internet service customer) of the result of the authentication of the mobile phone number of the Internet service customer, record the authentication details of the Internet service customer, and settle the fee for the authentication details of the Internet service customer by Internet service provider. The phone number is verified.

On the other hand, in the above, in order to use the Internet service provider as a proof of identity by receiving the mobile phone number from the Internet service customer, and confirming whether the mobile phone number subscription, and whether or not the actual owner of the mobile phone number, When customer information (name, address, or social security number, etc.) of the mobile telephone number is needed, the telephone number for the mobile telephone number authentication service, which provides the above-mentioned verification and customer information providing service to the Internet service provider. The authentication system checks whether the customer information of the mobile phone number is provided to the Internet service provider to the mobile communication customer. The information on the use of the phone number authentication information is included in the usage information of the mobile service provider. Ask the telecommunications customer to confirm and notify the internet service provider of the authentication result. In addition to the contents, the Internet service provider requests and sends the customer information data confirmed by the mobile communication customer to the Internet service provider.

In the method of notifying the buyer of the transaction details and the transaction confirmation number, the credit settlement applicator may adopt a method of notifying the Internet service customer of the confirmation number through the wireless Internet service of the mobile communication service.

As described above, the present invention can use the mobile communication number as a reliable credit settlement means, secures the reliability of the approval of the approval, and is a good settlement means for sellers and buyers as transaction parties.

In addition, the seller fully provides the buyer's identity verification, secures a large number of mobile communication customers as a product buyer, and allows the buyer to check the billing details of the seller's billing. It can be.

On the other hand, mobile operators can add credit settlement amount to existing telecommunication rate, and can receive credit settlement amount by using existing billing, storage organization and system, so that they can get credit settlement fee income without additional investment. In addition, the company's customer service and promotions can be achieved.

In addition, with the development of mobile communication services, all individuals will have mobile phone numbers, and mobile phone numbers will develop into another unique number for each person, and with the increase of Internet users, It is expected that the demand for credit settlement of various methods secured in electronic commerce will increase. In particular, the credit settlement method using a mobile communication telephone number like the present invention will be used as a means of reliable credit settlement in electronic commerce. It is a very useful invention, which is expected to contribute greatly to the activation of commerce.

Claims (6)

In the credit settlement method and credit approval method using the credit given to the mobile phone number, Constructing a credit information database for the mobile communication telephone number in the credit settlement approval system (S1); A purchaser (2) selecting a product (or service) from an Internet e-commerce (or a store of physical commerce or a telephone of a door-to-door sales) and claiming a credit settlement using a mobile communication telephone number (S2); Seller 31 transmits the transaction details (transaction number, mobile phone number, seller name, charge amount, product list, etc.) to the credit settlement approval system 4 through a computer network, requesting transaction confirmation (S3) )Wow; Evaluating whether the credit settlement approver of the credit settlement approval system 4 can approve the credit for the mobile communication telephone number and transaction details (billing amount) received from the transaction confirmation request (S4); The purchaser's mobile communication terminal 21 transmits the transaction details and the transaction confirmation number that the credit approval approvers received the transaction confirmation request through the short message service (or wireless Internet service) of the mobile communication service provider 1, which is the existing mobile communication service network. Notifying (S5); Confirming, by the purchaser (2), the transaction confirmation requested transaction details and the transaction confirmation number received from the payment approver via the mobile communication terminal (21) (S6); Confirming the transaction by notifying the seller (over the Internet, by telephone, or orally) of the transaction confirmation number received from the payment approver via the mobile communication terminal 21 of the buyer (S7); The seller 31 notifying the settlement applicator of the transaction confirmation number and the transaction details received from the buyer through the computer computer network to request credit approval (S8); Approving the credit settlement (S9) if the credit approval person compares the transaction confirmation number received from the seller 31 with the transaction confirmation number sent to the buyer in step S5; Step S10 of notifying the seller (or the seller and the buyer) of the credit approval result of the credit approval; The credit approval approver recording the credit approval approval history and adjusting the credit limit (S11); Step S12 of claiming and accepting credit settlement charges by the credit settlement approver; Credit settlement approval method of the credit settlement approval using the mobile communication number, characterized in that the step of calculating the credit approval approval for each seller (S13). The method according to claim 1, The credit settlement charge (storage) step (S12) is a mobile communication telephone number, characterized in that it includes a method for automatically receiving the credit payment from the communication charges received by the mobile operator in advance in the prepaid mobile communication service Credit settlement approval method used. The method according to claim 1, In the credit settlement charge (storage) step (S12), when the mobile communication service provider issues its telecommunication bill in a postpaid mobile communication service, the credit settlement charge is added to the credit settlement charge (storage). Credit settlement approval method using a mobile phone number, characterized in that. The method according to claim 1, In the credit settlement charge (receipt) step (S12), the credit settlement approver sets a certain amount of money in the mobile communication phone number to the credit limit, and directly pays the amount of the money used for credit payment in advance or after payment to the mobile communication customer. Credit approval method using a mobile phone number characterized in that the billing (receipt). The method according to claim 1, The step of notifying the buyer of the transaction details and the transaction confirmation number by the credit approval applicator (S5) includes a method of notifying the buyer of the transaction details and the transaction confirmation number through the wireless Internet service of the mobile communication service. How to approve credit settlement using telecommunication phone number. The customer management system 11 and the short message system 12 are provided, and the credit approval system 4 communicates with each other through the TCP / IP method, and the short message is transmitted to the mobile communication terminal 21 of the purchaser 2. A mobile communication service provider 1 for transmitting a; A credit settlement approval system for performing a credit settlement procedure of a specific buyer requested by a seller by performing wired communication with the mobile communication provider 1, including a general commerce and an e-commerce network (3), through a TCP / IP method ( 4) and; Conduct an e-commerce transaction with the seller (31) via the Internet, or by placing an order or information orally directly from a product order or a general store via telephone, and the transaction details and transaction confirmation number received from the mobile telecommunications provider (1) A buyer 2 for confirming and orally notifying the seller 31 of the transaction confirmation number; Requests for credit verification by sending transaction details and mobile communication number according to buyer's request to credit settlement approval system 4 and approves the transaction confirmation number and transaction details received from buyer 2 through computer network In the credit settlement system using a mobile communication phone number consisting of a general commerce and an e-commerce network (3) of a plurality of sellers 31 to receive the credit approval approval again to the approver, The credit approval system 4 includes a credit information database unit 41 for storing a mobile communication telephone number subscribed to a mobile communication service and credit information of each mobile communication telephone number; A credit settlement approval database unit 42 for storing a credit settlement approval result; A credit information database manager 43 for accessing the credit information database 41 and managing data; A credit settlement approval settlement unit 44 for accessing the credit settlement approval database unit 42 to manage data and performing settlement functions with the seller 31, the mobile communication service provider 1, and the purchaser 2; Software for receiving the credit settlement confirmation request including the mobile communication number and transaction details of the purchaser (2) from the seller (31) to check the credit information, and to connect with the short message system (12) of the mobile communication provider (1). Payment request confirmation and credit confirmation unit 45 to send the transaction confirmation number and credit transaction details to the buyer through; A credit approval unit 46 for receiving the credit approval request from the seller 31 to compare the transaction confirmation number to determine whether to approve it, and to notify the seller 31 and the buyer 2 of the credit approval unit 46; A customer management system connection unit 47 for establishing a communication network by connecting to the customer management system 11 of the mobile communication provider 1 through a TCP / IP protocol; A short message system connection unit 48 that connects the short message system 12 of the mobile communication provider 1 with a TCP / IP protocol to form a communication network; Credit settlement system using a mobile communication telephone number, characterized in that consisting of a merchant computer system connection unit 49 to form a communication network by connecting to the computer systems of a number of merchants 31 and TCP / IP protocol.