WO2012008811A2

WO2012008811A2 - Method for supporting collection of delinquent communication expenses, and system therefor

Info

Publication number: WO2012008811A2
Application number: PCT/KR2011/005253
Authority: WO
Inventors: 윤원석; 정영아
Original assignee: Yoon Won Seok; Jung Young A
Priority date: 2010-07-16
Filing date: 2011-07-16
Publication date: 2012-01-19
Also published as: WO2012008811A3; KR101015601B1

Abstract

The present invention relates to a method for supporting the collection of delinquent communication expenses and a system therefor, wherein, even when a defaulter in communication expenses pays a small amount of money that does not reach the amount of the delinquent communication expense, a communication service can be allowed to be resumed, and simultaneously, a portion of the small amount of money is collected for the delinquent communication expenses. The system for supporting the collection of delinquent communication expenses performs an information process by performing the steps of: receiving information required for resuming a communication service which includes information on a small amount of payment from a client terminal that accesses the system which supports the collection of delinquent communication expenses; (B) completing the settlement of the small amount of payment; (C) separating preset delinquent-communication-expenses payment information and at least one preset communication-service-resumption-article payment information, from the information on the small amount of payment; (D) transmitting the delinquent-communication-expenses payment information and the communication-service-resumption-article payment information to a communication company system in a preset manner;(E) receiving communication service resumption approval information from the communication company system; and (F) transmitting the received communication service resumption approval information to the client terminal.

Description

Delinquency communication cost recovery support method and system

The present invention relates to a method and a system for supporting recovery of overdue communication costs, and more particularly, to allow a communication service to be resumed even when a telecommerger pays a small amount less than the overdue communication cost, and at least a part of the small amount of the overdue communication cost. The present invention relates to a method and a system for supporting overdue communication cost recovery.

Communication services, in particular mobile communication services through mobile phones, are deeply embedded in some of the lives of modern people, and the inconveniences of life caused by the lack of communication services are incredibly large. Telcos will suspend their telecommunications services if their telecommunications late payment exceeds a certain period, a certain number of times, or a certain amount. And, unless the communication fee is paid in full, the communication service is not resumed, and the inconvenience that the customer cannot use the communication service is a pain caused by the loss of the telecommunications company due to the accumulation of overdue communication costs. On the other hand, if the communication fee is overdue, it can be a reason for the bad credit or adverse evaluation to the customer. As a telecommunication company, the customer leaves the existing telecommunication company and there is a problem of leaving the customer, and the cost of bringing the customer who once left back into the new customer can be enormous.

Accordingly, overdue customers have the advantage that the communication service is resumed as a small amount of payment, the carrier has also been requested to develop a recovery support method and system for overdue communication that can be prepaid even a portion of the overdue communication costs.

In addition, as microfinance, which is based on microlending, forms a widespread consensus around the world, development of new services such as telecommunication microfinance is urgently needed for people suffering from overdue communication costs.

The first technical problem to be achieved by the present invention is not only to effectively recover the overdue communication costs through the payment of the small amount of payments that the communication delinquency is less than the overdue communication costs, but also to systematically support the communication service to be resumed even by the small payment to the customer An information processing method of a delinquent communication cost recovery support system is provided.

The first technical problem to be achieved by the present invention is not only to effectively recover the overdue communication costs through the payment of the small amount of payments that the communication delinquency is less than the overdue communication costs, but also to systematically support the communication service to be resumed even by the small payment to the customer It is to propose an overdue communication cost recovery support system.

In order to achieve the technical problem to be achieved by the present invention, in the overdue communication cost recovery support system, the overdue communication cost recovery support system (A) resume the communication service including a small amount of payment information from the customer terminal connected to the overdue communication cost recovery support system Receiving necessary information; (B) the settlement of the small payment amount is completed; (C) separating the predetermined overdue communication cost payment amount information and the at least one preset communication service resume product payment amount information from the small amount payment information; (D) transmitting the delinquent communication cost payment amount information and the communication service resume product payment amount information to a communication company system in a predetermined manner; (E) receiving approval information for resuming communication service from the telecommunication company system; And (F) transmitting the received communication service resumption approval information to the customer terminal. The information processing method of the overdue communication cost recovery support system according to claim 1, further comprising information processing.

The communication service resumption necessary information includes customer identification information including any one or more of a telephone number, a name, a social security number, and optionally further includes a carrier information used by the customer. Preferably, the customer identification information is transmitted to at least one communication company system, the overdue communication cost information of the customer is obtained from the communication company system, and the overdue communication cost information is transmitted to the customer terminal.

The small amount of payment information is preferably a predetermined ratio or a predetermined threshold amount of the overdue communication cost amount.

The settlement of the small amount of payment is preferably one or more of 1) remittance, 2) purchase of exchanges, 3) approval of financial settlement.

The exchange purchase is preferably a coupon purchase of a predetermined amount.

The financial settlement approval information is approval information for financial settlement through at least one financial settlement means, and the financial settlement means is any one or more of a credit card, a debit card, a prepaid card, a gift certificate, a mobile payment means, and an electronic payment means. It is preferable that it is.

In the step (C), the predetermined communication service resumption product payment information is preferably equal to or exceed the minimum usage fee for any one of the communication products allowed by the telecommunications company.

When performing the step (D), remittance of any one or more of the overdue communication fee payment amount and the communication service resume product payment amount to the communication company system or the financial company system associated with the communication company

The communication service resumption approval information received in step (E) further includes communication service product information related to resuming the communication service of the customer, and the communication product information is the same as the communication service product used by the customer immediately or It may be different, and optionally, when performing the step (F), it is preferable to add the communication service product information and transmit it to the customer terminal.

The delinquent communication cost recovery support system is preferably an Internet based system or an ARS based system.

The delinquent communication cost recovery support system supports an account generation function, and the account may be a real account or a virtual account, and the account may be generated at least one or more for each customer.

After step (A) or before step (A), receiving, from the customer terminal, minimum deposit amount inquiry request information for resuming a communication service; And transmitting the minimum deposit amount inquiry request information to the telecommunication company system and receiving minimum deposit amount information from the telecommunication company system, transmitting the minimum deposit amount information to the customer terminal, and processing the minimum deposit amount inquiry request information to process the minimum deposit amount. And further executing any one of the steps of transmitting the information to the customer terminal, and only when the micro payment amount information of the step (A) becomes more than a predetermined amount or ratio than the minimum deposit amount information. It is preferable to carry out the step (B).

The customer can separate the deferred communication cost payment amount information and the communication service resume product payment amount information of the step (C), and if the customer separates, the lower limit information of the delinquent communication cost payment amount to the customer terminal. It is to provide, it is preferable to approve the separation of the customer only when the delinquent communication cost payment amount information is more than the lower limit information.

In the step (E), when receiving the communication service resumption approval information, at least two or more communication service product information available to the customer is additionally obtained, and including the two or more communication service product information, the (F Step (F), and after the step (F), obtains selection information on any one of the at least two communication service product information from the customer terminal, and at any one of the received at least two communication service product information. It is preferable to transmit the selection information for the communication company system.

It is preferable that the overdue communication cost recovery support system and the telecommunication company system are operated by the same business entity or by a person who has a predetermined partnership with the telecommunication company.

It is preferable that the delinquent communication cost recovery support system is used to connect to a wired / wireless network that sells a communication service product of the communication company for the customer.

In order to achieve the technical problem to be achieved by the present invention, in the overdue communication cost recovery support system, including the communication service resumption necessary information including the small amount of payment information from the customer terminal connected to the overdue communication cost recovery support system, the communication service resume authorization information A customer interface unit generating information displayed on the screen of the customer terminal; A settlement unit for performing at least one predetermined settlement function for the micro payment amount; Separating the predetermined overdue communication cost payment amount information and at least one preset communication service resume product payment amount information from the small amount payment information, and transmit the overdue communication cost payment amount information and the communication service resumed product payment amount information to a telecommunication company system in a predetermined manner; And a control unit configured to receive a communication service resumption approval information from the telecommunication company system; A communication unit in charge of physical communication with a customer terminal and a communication company system; And a DB unit for storing all the information related to the operation of the overdue communication cost recovery support system, such as customer information, communication company information, communication product information, and the like.

The settlement unit may further include an account generation unit, wherein the settlement of the small amount of payment is preferably one or more of 1) remittance, 2) purchase of exchanges, 3) financial settlement approval.

The control unit transmits customer identification information to at least one communication company system, obtains overdue communication cost information of the customer from the communication company system, and transmits the overdue communication cost information to the customer terminal, the preset communication service resume product A function of determining whether payment amount information corresponds to or exceeds a minimum usage fee for any one of communication products allowed by the telecommunication company, and when the customer separates the overdue communication cost payment amount information and the communication service resumed product payment amount information, It is preferable that the lower terminal information of the overdue communication fee payment amount is provided to the customer terminal, and at least one of the functions of approving the separation of the customer only when the overdue communication fee payment amount information is equal to or greater than the lower limit information.

The control unit receives minimum deposit amount inquiry request information for resuming communication service from the customer terminal, transmits the minimum deposit amount inquiry request information to the communication company system, receives minimum deposit amount information from the communication company system, and receives the minimum deposit amount information. It is preferable to further perform a function for transmitting to the customer terminal.

According to the present invention, the delinquent communication cost can be effectively recovered even through the settlement of a small amount of payment which is less than the delinquency communication cost. In addition, it can systematically support the resumption of communication services to customers even with a small payment amount that is less than the overdue communication costs.

On the other hand, the customer may be freed from the enormous pain that comes from interrupting the communication service since the communication service is resumed to his telephone number even for a small payment.

BRIEF DESCRIPTION OF THE DRAWINGS Fig. 1 is a diagram of an exemplary configuration of a system for recovering overdue communication expenses of the present invention.

FIG. 2 is a diagram illustrating another exemplary configuration of the delinquent communication cost recovery support system of the present invention, wherein the delinquent communication cost recovery support system is a diagram of a configuration that operates as an internal or one component part of a communication company system.

3 is a diagram illustrating an exemplary configuration of an information processing method of a delinquency communication cost recovery support system according to the present invention.

4 is a diagram illustrating an exemplary configuration of a method for processing an overdue communication cost inquiry information by the overdue communication cost recovery support system according to the present invention.

FIG. 5 is a diagram illustrating an exemplary configuration of a method for processing minimum payment amount inquiry information in a delinquent communication cost recovery support system according to the present invention.

FIG. 6 is a diagram illustrating an exemplary configuration of a method in which a delinquent communication cost recovery support system of the present invention processes separable information into a delinquent communication cost payment amount and a communication service resume product payment amount for a minimum deposit amount; FIG.

FIG. 7 is a diagram illustrating an exemplary configuration of a method in which a delinquent communication cost recovery support system of the present invention processes selection information for any one of two or more communication service product information.

8 is a diagram of another exemplary embodiment of an information processing method of the delinquent communication cost recovery support system according to the present invention.

* Explanation of Codes *

100: overdue communication cost recovery support system 110: customer interface unit

120: settlement unit 121: account generation unit

130: control unit 131: payment amount information separation unit

132: payment amount information determination unit 133: minimum deposit amount information processing unit

134: communication service resume authorization information receiving unit 140: communication unit

150: DB unit 200: customer terminal

300: communication company system 400: financial company system

500: communication service goods seller terminal 900: network

Hereinafter, the present invention will be described in more detail with reference to the drawings. As shown in FIG. 1, the delinquent communication cost recovery support system 100 according to the present invention includes communication service resumption necessary information including micropayment information from the customer terminal 200 connected to the delinquency communication cost recovery support system 100, and communication service resume approval information. Customer interface unit 100 for generating information that appears on the screen of the customer terminal 200, including; A settlement unit 120 for performing at least one predetermined settlement function for the micro payment amount; The service provider system 300 separates the predetermined overdue communication cost payment amount information and the at least one preset communication service resume product payment amount information from the small amount payment information, and sets the overdue communication cost payment amount information and the communication service resumed product payment amount information in a predetermined manner. A control unit 130 for transmitting to and receiving a communication service resumption approval information from the communication company system 300; A communication unit 140 in charge of physical communication with the customer terminal 200 and the communication company system 300; And a DB unit 150 for storing all information related to the operation of the overdue communication cost recovery support system 100, such as customer information, communication company information, and communication product information.

The customer interface unit 100 serves to generate information that appears on all screens sent to the customer terminal 200. The settlement unit 120 performs any information processing function for all the financial, such as the purchase of money transfers, such as payment of the customer, coupons, financial settlement. The DB unit 150 includes various customer-related data, such as data related to the purchase, remittance, and payment of the customer, personal information data of the customer, and customer management data, and various policies or standards (separation criteria, limit amount, limit ratio, etc.). Related data, and various data for operating the delinquent communication cost recovery support system 100 are stored.

The delinquent communication cost recovery support system 100 may perform predetermined information processing in a state of being connected to the customer terminal 200, the communication company system 300, and the wired / wireless network 900 as shown in FIG. 1. Meanwhile, as shown in FIG. 2, a part of the telecommunication company system 300 may be configured or present in the state included in the telecommunication company system 300. In this case, the overdue communication cost recovery support system 100 may be the telecommunication company system. It can function in one functional unit or service unit of (300). The overdue communication cost recovery support system 100 and the telecommunication company system 300 may be operated by the same business entity or by a person who has a predetermined partnership with the telecommunication company.

Hereinafter, an information processing method of the delinquency communication cost recovery support system 100 will be described with reference to FIG. 3. The delinquent communication cost recovery support system 100 includes: (A) receiving communication service resumption required information including a small payment amount information from a customer terminal 200 connected to the delinquent communication cost recovery support system 100; (B) the settlement of the small payment amount is completed; (C) separating the predetermined overdue communication cost payment amount information and the at least one preset communication service resume product payment amount information from the small amount payment information; (D) transmitting the overdue communication cost payment amount information and the communication service resumption product payment amount information to a communication company system 300 in a predetermined manner; (E) receiving communication service resumption approval information from the telecommunication company system (300); And (F) transmitting the received communication service resume acknowledgment information to the customer terminal 200.

In order to resume the communication service, the customer accesses the overdue communication cost recovery support system 100 and inputs information necessary for resuming the communication service. The necessary information for resuming communication services essentially includes information that can identify customers such as telephone numbers, names, social security numbers, and the like. When there is such customer identification information, as illustrated in FIG. 4, the delinquency communication cost recovery support system 100 transmits the customer identification information to the communication company system 300 (S21) and the communication company system 300. The overdue communication cost information of the customer can be obtained from (S22), and the overdue communication cost information can be transmitted to the customer terminal 200 (S23). This is because it is not necessary for the customer to know the information on the delinquency communication cost, but it is because the customer can know how much a small amount of payment should be made when the delinquency information is known. If the late payment information is not known, a situation in which a deposit or payment of more than the total amount of the overdue fee may occur.

In order to achieve the object of the present invention, the overdue communication cost recovery support system 100 may require a small payment amount more than a predetermined amount from the customer. The small amount of payment information is preferably a predetermined ratio or a predetermined threshold amount of the overdue communication cost amount. If a predetermined rate is required, if the amount of overdue payment is excessively high, the communication service may be resumed only when payment of a minimum amount or more is required according to the policy of the telecommunication company. On the other hand, if more than a predetermined amount is required, if the payment is too small, there is no meaning of recovery of the overdue communication cost, even if the operator operating the service of the overdue communication cost recovery support system 100 performs the communication service resume processing. The cost of the service will be too weak, and even from the customer's point of view, even if the communication service is resumed through the service of the delinquent communication cost recovery support system 100, the communication service has very little meaning of resuming communication due to the short amount of call or the call time. Because it will be diluted.

To this end, as illustrated in FIG. 5, the delinquency communication cost recovery support system 100 is a minimum for resuming the communication service from the customer terminal 200 after step (A) or before step (A). Receiving the deposit amount inquiry request information (S31); Transmitting (S32) the minimum deposit amount inquiry request information to the telecommunication company system (300); Receiving minimum deposit information from the telecommunication company system (300) (S33); And transmitting the minimum deposit amount information to the customer terminal 200 (S34). Preferably, the step (B) is performed only when the micropayment amount information of the step (A) is more than a predetermined amount or ratio than the minimum deposit amount information. On the other hand, when the customer tells the overdue communication cost recovery support system 100 that the intention to deposit / coupon for a specific amount, the control unit of the overdue communication cost recovery support system 100 whether the communication service resume processing at the amount The payment amount information determination unit 132 of 130 determines the result of the transmission to the customer terminal 200, or the delinquent communication cost recovery support system 100 to the carrier system 300, the amount information By acquiring the approval information for the communication service resumption processing may be transmitted to the customer terminal 200. The minimum deposit amount information processing unit 133 of the control unit 130 of the present invention may be performed as described above.

On the other hand, the settlement of the small amount is preferably one or more of 1) remittance, 2) purchase of exchange price, 3) approval of financial settlement. The delinquent communication cost recovery support system 100 may be remitted a predetermined amount from the customer through the settlement unit 120. The remittance of the amount may be a remittance to an account of a financial institution in which the overdue communication cost recovery support system 100 has control. On the other hand, the delinquency communication cost recovery support system 100 may have a monetary value, such as a coupon or currency gift certificate corresponding to a predetermined amount of money, such as 5,000 won, 10,000 won, 20,000 won, 50,000 won, or exchange money and money. The purchase of the exchange price may allow the customer to receive payment / cost / amount for resolving the overdue communication cost and resuming the communication service. The exchange purchase is preferably a coupon purchase of a predetermined amount. On the other hand, the financial settlement approval information is the approval information for the financial settlement through at least one financial settlement means, the financial settlement means credit card, debit card, prepaid card, transportation card, gift certificate, mobile payment means, electronic payment It is preferable that it is any one or more of means. For example, the delinquent communication cost recovery support system 100 receives a price / cost / amount from the customer through any financial payment means such as a mobile phone payment method or a credit card payment. The delinquent communication cost recovery support system 100 may support an account generation function, and the account generation unit 121 of the present invention may perform this function. The account may be an account of a financial institution, or may be a real account or a virtual account. At least one account may be created for each customer. When the account is an account existing in a financial institution system, the financial institution system and the delinquency communication cost recovery support system 100 are linked to each other so that the delinquency communication cost recovery support system 100 can grasp information about the account. It may be desirable, and at least the account should be able to be queried by the operator of the overdue communication cost recovery support system 100 or the overdue communication cost recovery support system 100.

The overdue communication cost recovery support system 100 may separate the overdue communication cost payment amount and the communication service resumption product payment amount for resuming communication through a predetermined standard with respect to the amount paid by the customer. Matters related to the separation of the payment amount may be performed by the payment amount information separation unit 131 of the controller 130 of the present invention. The criterion may be 1) a ratio (for example, 5% for overdue communication fee recovery support system 100 service cost, 5% for other costs, 45% for overdue communication fee payment, and 45% for resumption of communication service resumption product) In the latter case, the operator of the overdue communication cost recovery support system 100 may be configured to receive the overdue communication cost recovery support system 100 from the carrier. (B) may receive a contracted cost in return for information processing or overdue communication, etc.), 2) the marginal cost and the marginal cost for any one or more of the overdue communication fee payment or the communication service resumption product payment. How to use one or more of the thresholds (Must be at least US $ 500 for the customer's payment, as an overdue bill You can only use it to pay for the resumption of telecommunications services, or 25% or more of the overdue communication costs for the customer's payment amount, and only the balance can be used for the payment for telecommunications resume service.) 3) Other carriers or Predetermined separation criteria determined by the operator of the overdue communication cost recovery support system 100 may be applied. In the situation of 2), the preset communication service resumption product payment amount information may further include a condition / policy that is equal to or exceeds the minimum usage fee for any one of the communication products allowed by the telecommunication company. This is because if the communication service is resumed at a too small amount, there may be no meaning of resumption.

On the other hand, the separation of the overdue communication fee payment amount and the communication service resume product payment amount for resuming communication may be performed by the customer as illustrated in FIG. To this end, the delinquent communication cost recovery support system 100 transmits information (S41) to the customer terminal 200 that the delinquent communication cost payment amount and the communication service resumed product payment amount for the minimum deposit amount can be separated (S41), and the delinquent communication cost payment amount and the Separation information on the payment amount of the communication service resume product is obtained from the customer terminal 200 (S42). Subsequently, the controller 130 of the overdue communication cost recovery support system 100 determines whether one of the overdue communication cost payment and the communication service resumption product payment is less than a standard (S43), and approves separation if the standard is satisfied. If it does not meet the criteria (S44), the request for transmission of the re-separation information may be transmitted to the customer terminal 200 (S45) for a reason less than the criteria. With respect to the re-separation information, the customer may transmit to the delinquency communication cost recovery support system 100 the separation information of the delinquent communication cost payment amount and the communication service resumption product payment amount for resuming communication to which different separation criteria are applied.

When the customer separates, one or more of the lower limit information of the overdue communication fee payment amount or the communication service resumption product payment amount may be provided to the customer terminal 200 to support the separation process of the customer. The delinquent communication cost recovery support system 100 may approve the separation of the customer only when the delinquent communication cost payment amount information is greater than or equal to a predetermined lower limit information. Transmission to the telecommunications company system 300, and receives the approval from the telecommunications company system 300, may be transmitted to the customer terminal 200.

In some cases, the overdue communication cost recovery support system 100 may perform only the relatively passive function. This is illustrated in FIG. 8. FIG. 8 may allow the telecommunication company system 300 to determine the information on the delinquent communication fee and the information on the separation of the communication service resume product payment for resuming communication. The overdue communication cost recovery support system 100 receives communication service resumption required information including the micro payment amount information from the customer terminal 200 connected to the overdue communication cost recovery support system 100 (S61) and settles the small payment amount. After completing (S62), it is possible to transfer the predetermined amount information of the small amount of payment to the carrier system 300 (S63). Subsequently, in operation S64, separation of predetermined overdue communication cost payment amount information and predetermined at least one communication service resumption product payment amount information is received from the amount information transmitted from the communication company, and communication service resumption information is received from the communication company system 300. Receiving (S65), and the separated overdue communication cost payment information and communication service resume product payment amount information and communication service resumable information may be transmitted to the customer terminal (200) (S66). The communication service resume or reception of the approval may be performed by the communication service resume approval information receiver 134 of the controller 130 of the present invention.

Meanwhile, the communication service resumption approval information received in step (E) may further include communication service product information related to resuming the communication service of the customer. Typically, telecommunications companies sell a variety of communication service products, which may provide two or more communication products to the customer when the communication service is resumed. The communication product information may be the same as the communication service product used by the customer, but may be different. (The communication service is generally available only as much as the payment for the communication service resume product. In many cases, if the customer may select two or more communication products, the overdue communication cost recovery support system 100 may have two or more communication service resume approval information received from the carrier or according to its policy or criteria. The communication service product information may be added and transmitted to the customer terminal 200. For this information processing, the delinquent communication cost recovery support system 100 additionally obtains at least two or more communication service product information available to the customer when receiving the communication service resumption approval information in step (E). Receiving, and performing the step (F) including the two or more communication service product information, and after the step (F), selection information on any one of the two or more communication service product information from the customer terminal 200; Received, and the selection information for any one of the two or more received communication service product information can be transmitted to the telecommunication company system (300).

On the other hand, the settlement unit 120 of the overdue communication cost recovery support system 100, the payment amount and the communication of the overdue communication costs to the communication company system 300 or the financial company system 400 associated with the communication company pays the amount paid by the customer Resumption of service You may be able to transfer any one or more of the product payment. The remittance may be made as soon as the payment of the customer is completed, but may be remitted in a predetermined period or a predetermined condition meeting unit. On the other hand, the remittance may be the customer remitted to the communication company or the financial company system 400 associated with the communication company, the delinquent communication cost recovery support system 100 may receive the remittance information of the customer through the communication company.

On the other hand, it will be obvious that the communication costs include billing for various communication services related to wired and wireless communication such as voice call and data communication. Meanwhile, the present invention including the separation of the overdue communication fee payment amount and the communication service resumption product payment amount may be applied not only to the entire communication cost but also separately by communication service such as voice call or data communication. That is, the inventive idea may be implemented only in the voice communication of the total overdue communication costs. In this case, payment of the resumption of the communication service related to the voice call may be possible by partial payment of the communication cost related to the voice call among the overdue communication costs.

The delinquent communication cost recovery support system 100 may be an internet based system. The Internet-based overdue communication cost recovery support system 100 is a wired / wireless network such as a portable computer such as a personal computer, a smart phone, another mobile phone, an e-book terminal, or the like on the Internet or other communication network 900 through the web or other methods. It may be possible to provide a service to any terminal capable of communicating at 900. On the other hand, the delinquency communication cost recovery support system 100 may be an ARS-based system. The ARS system may be operated only by voice, but the voice and visualized interface may be integrated to the customer terminal 200.

On the other hand, the overdue communication cost recovery support system 100 and the telecommunication company system 300 is preferably operated by the same business entity, or by a person who has a predetermined partnership with the telecommunications company. In addition, the overdue communication cost recovery support system 100 is for the customer, the communication service product sellers using the communication service product seller terminal 500 of the communication company is preferably used to connect to the wired and wireless network 900. Do.

The present invention can be widely used in the wired and wireless communication industry.

Claims

In the overdue communication cost recovery support system, the overdue communication cost recovery support system

(A) receiving the communication service resumption required information including the micro payment information from the customer terminal connected to the overdue communication cost recovery support system;

(B) the settlement of the small payment amount is completed;

(C) separating the predetermined overdue communication cost payment amount information and the at least one preset communication service resume product payment amount information from the small amount payment information;

(D) transmitting the delinquent communication cost payment amount information and the communication service resume product payment amount information to a communication company system in a predetermined manner;

(E) receiving approval information for resuming communication service from the telecommunication company system; And

(F) transmitting the received communication service resume authorization information to the customer terminal;

The information on the micropayment amount is a predetermined ratio of the overdue communication cost amount or a predetermined threshold amount or more, and in the step (C), the preset communication service resumption product payment amount information is any one of communication products allowed by the telecommunication company. Matches or exceeds the minimum fee for

After step (A) or before step (A),

Receiving minimum payment amount inquiry request information for resuming a communication service from the customer terminal; And

Transmitting the minimum deposit amount inquiry request information to the telecommunication company system, receiving minimum deposit amount information from the telecommunication company system, transmitting the minimum deposit amount information to the customer terminal, and processing the minimum deposit amount inquiry request information to process the minimum deposit amount information Further comprising the step of performing any one of the step of transmitting to the customer terminal;

The step (B) is to be performed only when the small amount payment information of the step (A) is more than a predetermined amount or ratio than the minimum deposit amount information.

The communication service resumption necessary information includes customer identification information including any one or more of a telephone number, a name, a social security number, and optionally further includes a carrier information used by the customer,

The delinquent communication cost recovery support system is to transmit the customer identification information to at least one communication company system, obtain the delinquency communication cost information of the customer from the communication company system, and transmit the delinquency communication cost information to the customer terminal; ,

The communication service resumption approval information received in step (E) further includes communication service product information related to resuming the communication service of the customer, and the communication product information is the same as the communication service product used by the customer immediately or It may be different, and optionally, when performing the step (F), add the communication service product information and transmit to the customer terminal,

The customer can separate the deferred communication cost payment amount information and the communication service resume product payment amount information of the step (C), and if the customer separates, the lower limit information of the delinquent communication cost payment amount to the customer terminal. The information processing method of the delinquent communication cost recovery support system, characterized in that the separation of the customer is approved only when the delinquent communication cost payment amount information is more than the lower limit information.
The method of claim 1,

The settlement of the small amount of payment is one or more of 1) remittance, 2) purchase of exchange price, 3) approval of financial settlement, information processing method of the overdue communication cost recovery support system.
The method of claim 2,

The purchase of the exchange value is an information processing method of the overdue communication cost recovery support system, characterized in that the purchase of a coupon of a predetermined amount.
The method of claim 2,

The financial settlement approval information is approval information for financial settlement through at least one financial settlement means,

And the financial settlement means is at least one of a credit card, a debit card, a prepaid card, a transportation card, a gift certificate, a mobile phone payment means, and an electronic payment means.
The method of claim 1,

The delinquent communication cost recovery support system is an information processing method of the delinquent communication cost recovery support system, characterized in that the Internet-based system or ARS-based system.
The method of claim 1,

In step (E), when receiving the communication service resumption approval information, at least two or more communication service product information available to the customer may be additionally obtained.

Performing step (F) including the at least two communication service product information;

After the step (F), receiving the selection information on any one of the two or more communication service product information from the customer terminal,

And transmitting the selection information on any one of the obtained two or more communication service product information to the telecommunication company system.
The method of claim 1,

The information processing method of the delinquent communication cost recovery support system and the communication company system is operated by the same business entity or by a person having a predetermined partnership with the communication company.
In overdue communication cost collection support system,

A customer interface unit for generating information displayed on a screen of a customer terminal including communication service resumption necessary information including micropayment amount information and communication service resumption approval information from a customer terminal connected to the overdue communication cost recovery support system;

A settlement unit configured to perform at least one predetermined financial information processing on the micro payment amount;

A controller configured to process the delinquent communication cost recovery support information;

A communication unit in charge of physical communication with a customer terminal and a communication company system; And

It includes; DB unit for storing any information related to the operation of the overdue communication cost recovery support system, such as customer information, carrier information, communication product information,

The control unit receives the necessary information for resuming the communication service including the small payment amount information from the customer terminal connected to the overdue communication cost recovery support system, and when the settlement of the small payment amount is completed, the overdue communication cost payment amount information preset in the small payment amount information And separating at least one preset communication service resume product payment amount information, and transmitting the overdue communication cost payment amount information and the communication service resume product payment amount information to a communication company system in a predetermined manner, and receiving the communication service resume approval information from the communication company system. Receiving and transmitting the received communication service resumption approval information to the customer terminal.

The information on the micro payment amount is a predetermined ratio of the amount of the overdue communication fee or a predetermined threshold amount,

The predetermined communication service resumption product payment information is to match or exceed the minimum usage fee for any one of the communication products allowed by the telecommunications company,

The communication service resumption necessary information includes customer identification information including any one or more of a telephone number, a name, a social security number, and optionally further includes a carrier information used by the customer,

The control unit receives the minimum payment amount inquiry request information for resuming the communication service from the customer terminal before or after receiving the communication service resumption necessary information including the micropayment amount information, and transmits the minimum payment amount inquiry request information to the communication company system. Receiving minimum deposit amount information from the communication company system, transmitting the minimum amount amount information to the customer terminal or processing the minimum amount amount inquiry request information to transmit the minimum amount amount information to the customer terminal;

The control unit performs a settlement completion process for the micro payment amount only when the micro payment amount information becomes a predetermined amount or ratio more than the minimum deposit amount information.

The controller transmits the customer identification information to at least one communication company system, obtains the overdue communication cost information of the customer from the communication company system, and transmits the overdue communication cost information to the customer terminal,

The communication service resumption approval information received by the controller from the communication company system further includes communication service product information related to resuming the communication service of the customer, and the communication product information is the same as the communication service product previously used by the customer. Can be different or different,

The customer can separate the delinquency communication fee payment information and the communication service resumption product payment information information, the control unit is to provide the customer terminal with the lower limit information of the delinquent communication fee payment amount, when the customer separates ,

The delinquent communication cost recovery support system, characterized in that the separation of the customer is approved only when the delinquent communication cost payment amount information is more than the lower limit information.
The method of claim 8,

The overdue communication cost recovery support system and the telecommunication company system may be operated by the same business entity, by a person who has a predetermined partnership with the telecommunication company, or by a person who sells telecommunication service products of the telecommunication company. Overdue Communication Cost Recovery Support System.