Payment System and Its Method for Supporting User Verification in Voip Configuration

• US 20070291741A1
• Filed: 08/05/2005
• Published: 12/20/2007
• Est. Priority Date: 08/05/2004
• Status: Active Grant

• Current Assignee: KG Mobilians Co., Ltd. (KGINICIS Co., Ltd.)
• Original Assignee: KG Mobilians Co., Ltd. (KGINICIS Co., Ltd.)
• Inventors: Hwang, Chang-Yeop
• Granted Patent: US 8,229,860 B2
• Time in Patent Office: Days
• US Class Current: 705/318
• CPC Class Codes: G06Q 20/3821 Electronic credentials
• CPC Class Codes: G06Q 20/40 Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
• CPC Class Codes: G06Q 20/401 Transaction verification
• CPC Class Codes: G06Q 30/0185 Product, service or business identity fraud
• CPC Class Codes: H04L 63/08 for authentication of entities cryptographic mechanisms or cryptographic arrangements for entity authentication H04L9/32
• CPC Class Codes: H04M 15/56 for VoIP communications
• CPC Class Codes: H04M 2215/202 VoIP; Packet switched telephony

Abstract

Disclosed is a payment system and method for supporting user verification in VoIP configuration by receiving secret number or VoIP phone number of a user as payment information on Internet and completing the payment by user verification and occupancy verification. The payment system includes a user terminal for inputting secret number or VoIP phone number as payment information, a payment gateway server for receiving the payment information from the user terminal to intermediate user verification and approving payment by occupancy verification, and a central communication company server for receiving the payment information from the payment gateway server to verify the user and receiving a final payment approval to add a payment amount to communication charges of the user terminal and bill the charges. The payment system prevents illegal payment by fraudulent use of the user information.

Claims

1. A VoIP (Voice over Internet Protocol) payment system for supporting user verification and payment in VoIP configuration by using a secret number input by a user, the system comprising:

a user terminal allocated with peculiar IP (Internet Protocol) address and VoIP phone number to receive VoIP communication service, receiving a secret number from a user as payment information through a popup payment window, and transmitting the IP address and the received secret number to a payment gateway server to receive a payment approval result for the payment information;

a payment gateway server receiving and storing a resident registration number and a secret number from the user terminal through a wire/wireless network, receiving the payment information from the user terminal, extracting the IP address and the secret number from the payment information to verify the secret number, transmitting the payment information including the IP address and the registration number to a central communication company server to receive a user verification result, informing the user terminal whether the payment is approved according to the user verification result, and determining a final payment approval and informing the central communication company server; and

a central communication company server providing VoIP communication service to the user terminal, storing user information of the user terminal in a customer DB (database), receiving the payment information from the payment gateway server through a wire/wireless network to compare the payment information with the user information stored in the customer DB and transmit a user verification result to the payment gateway server, and informed of a final payment approval from the payment gateway server to add a payment amount to communication charges of the user terminal and bill the charges.

2. The VoIP payment system according to claim 1,

wherein, in case an adult subscriber receiving the VoIP communication service makes a first payment through the user terminal, the payment gateway server requests input of a resident registration number to the user terminal and receives the payment information including the IP address and the resident registration number from the user terminal to request user verification to the central communication company server, wherein, in case the user verification result is successful, the payment gateway server receives and stores a secret number from the user terminal and receives and stores additional secret numbers for other users and minors,

whereby, after the first payment, the payment gateway server receives the secret number as payment information so as to support user verification and payment in VoIP configuration by using the secret number input by the user.

3. The VoIP payment system according to claim 1,

wherein, in case the user verification result transmitted from the central communication company server is successful, the payment gateway server generates a peculiar verification code, transmits the verification code to the user terminal together with a message informing of the success of user verification, receives the verification code again from the user terminal, conducts occupancy verification by determining whether the verification code transmitted to the user terminal is coincided with the verification code received from the user terminal, informing the user terminal whether the payment is approved or not according to the occupancy approval result, and informing the central communication company server of a final payment approval in case the occupancy verification is successful,

whereby the payment of the user is approved by conducting the occupancy verification in addition to the user verification.

4. The VoIP payment system according to claim 1, wherein the payment gateway server includes:

a secret number managing unit receiving IP address, resident registration number and secret number of a VoIP communication service subscriber from the user terminal, receiving additional secret numbers for other users and minors, and storing the transmitted p address, the resident registration number and a plurality of the secret numbers;

a secret number DB for storing secret number user information including the IP address, the resident registration number and a plurality of the secret numbers corresponding to the IP address, transmitted to the secret number managing unit;

a secret number verifying unit receiving the payment information from the user terminal, extracting the IP address and the secret number from the payment information, and searching the secret number DB to compare whether the IP address and the secret number are coincided;

a user verifying unit extracting the resident registration number from the secret number DB, transmitting the payment information including the IP address and the resident registration number to the central communication company server, and receiving a user verification result from the central communication company server, in case the verification result of the secret number verifying unit is successful;

a user verification DB in which the user verifying unit stores the payment information and the user verification result;

an occupancy verifying unit generating a peculiar verification code, transmitting the verification code to the user terminal, and receiving a verification code again from the user terminal to compare the received verification code with the transmitted verification code, in case the user verification result is successful;

an occupancy verification DB for storing the verification code generated by the occupancy verifying unit and the occupancy verification result;

a payment approving unit informing the user terminal whether or not to approve the payment according to the user verification result of the user verifying unit or the occupancy verification result of the occupancy verifying unit, and informing the central communication company server of a final payment approval in case the payment approval is successful; and

a payment approval DB for storing the final payment approval result processed by the payment approving unit and payment amount information.

5. The VoIP payment system according to claim 1, wherein the payment gateway server includes:

a minor payment interception DB storing payment interception information including an address of a seller site at which a payment for a minor is prohibited; and

a minor verifying unit receiving the payment information including a secret number for a minor from the user terminal, searching whether the seller site is registered in the minor payment interception DB, and determining that a secret number verification is failed for the searched seller site.

10. The VoIP payment system according to claim 1,

wherein the user terminal is a user PC (Personal Computer) or PDA (Personal Digital Assistant) receiving VoIP communication service and endowed with an Internet phone number.

11. The VoIP payment system according to claim 1,

wherein the payment gateway server receives payment information, which further includes a NIC (Network Interface Card) number peculiarly endowed to the user terminal, from the user terminal, and then comparing the NIC number of the payment information transmitted from the payment gateway server to the central communication company server with a NIC number stored in the customer DB so as to prevent illegal payment by fraudulent use of the IP address and the secret number or the VoIP phone number.

12. The VoIP payment system according to claim 1,

wherein the central communication company server further executes comparing overdue communication charges and a residual limit for a small amount of payment of the subscriber so as to verify the user,

wherein the central communication company server is informed of a final payment approval from the payment gateway server to add a payment amount to communication charges of the subscriber and bills the charge, and

wherein the central communication company server settles the payment amount received from the subscriber as a payment amount of a service provider of the payment gateway server except a predetermined commission.

24. The VoIP payment system according to claim 2, wherein the payment gateway server includes:

a secret number managing unit receiving IP address, resident registration number and secret number of a VoIP communication service subscriber from the user terminal, receiving additional secret numbers for other users and minors, and storing the transmitted IP address, the resident registration number and a plurality of the secret numbers;

a secret number DB for storing secret number user information including the IP address, the resident registration number and a plurality of the secret numbers corresponding to the IP address, transmitted to the secret number managing unit;

a secret number verifying unit receiving the payment information from the user terminal, extracting the IP address and the secret number from the payment information, and searching the secret number DB to compare whether the IP address and the secret number are coincided;

a user verifying unit extracting the resident registration number from the secret number DB, transmitting the payment information including the IP address and the resident registration number to the central communication company server, and receiving a user verification result from the central communication company server, in case the verification result of the secret number verifying unit is successful;

a user verification DB in which the user verifying unit stores the payment information and the user verification result;

an occupancy verifying unit generating a peculiar verification code, transmitting the verification code to the user terminal, and receiving a verification code again from the user terminal to compare the received verification code with the transmitted verification code, in case the user verification result is successful;

an occupancy verification DB for storing the verification code generated by the occupancy verifying unit and the occupancy verification result;

a payment approving unit informing the user terminal whether or not to approve the payment according to the user verification result of the user verifying unit or the occupancy verification result of the occupancy verifying unit, and informing the central communication company server of a final payment approval in case the payment approval is successful; and

a payment approval DB for storing the final payment approval result processed by the payment approving unit and payment amount information.

25. The VoIP payment system according to claim 3, wherein the payment gateway server includes:

a secret number managing unit receiving IP address, resident registration number and secret number of a VoIP communication service subscriber from the user terminal, receiving additional secret numbers for other users and minors, and storing the transmitted IP address, the resident registration number and a plurality of the secret numbers;

a secret number DB for storing secret number user information including the IP address, the resident registration number and a plurality of the secret numbers corresponding to the IP address, transmitted to the secret number managing unit;

a secret number verifying unit receiving the payment information from the user terminal, extracting the IP address and the secret number from the payment information, and searching the secret number DB to compare whether the IP address and the secret number are coincided;

a user verifying unit extracting the resident registration number from the secret number DB, transmitting the payment information including the IP address and the resident registration number to the central communication company server, and receiving a user verification result from the central communication company server, in case the verification result of the secret number verifying unit is successful;

a user verification DB in which the user verifying unit stores the payment information and the user verification result;

an occupancy verifying unit generating a peculiar verification code, transmitting the verification code to the user terminal, and receiving a verification code again from the user terminal to compare the received verification code with the transmitted verification code, in case the user verification result is successful;

an occupancy verification DB for storing the verification code generated by the occupancy verifying unit and the occupancy verification result;

a payment approving unit informing the user terminal whether or not to approve the payment according to the user verification result of the user verifying unit or the occupancy verification result of the occupancy verifying unit, and informing the central communication company server of a final payment approval in case the payment approval is successful; and

a payment approval DB for storing the final payment approval result processed by the payment approving unit and payment amount information.

26. The VoIP payment system according to claim 2, wherein the payment gateway server includes:

a minor payment interception DB storing payment interception information including an address of a seller site at which a payment for a minor is prohibited; and

a minor verifying unit receiving the payment information including a secret number for a minor from the user terminal, searching whether the seller site is registered in the minor payment interception DB, and determining that a secret number verification is failed for the searched seller site.

27. The VoIP payment system according to claim 3, wherein the payment gateway server includes:

a minor payment interception DB storing payment interception information including an address of a seller site at which a payment for a minor is prohibited; and

a minor verifying unit receiving the payment information including a secret number for a minor from the user terminal, searching whether the seller site is registered in the minor payment interception DB, and determining that a secret number verification is failed for the searched seller site.

6. A VoIP payment system for supporting user verification and payment in VoIP configuration by using a VoIP phone number input by a user, the system comprising:

a user terminal allocated with peculiar IP address and VoIP phone number to receive VoIP communication service, receiving a VoIP phone number from a user as payment information through a popup payment window, and transmitting the IP address and the received VoIP phone number to receive a payment approval result for the payment information;

a payment gateway server receiving the payment information through a wire/wireless network, transmitting the payment information to a central communication company server to receive a user verification result, informing the user terminal whether the payment is approved according to the user verification result, and determining a final payment approval and informing the central communication company server; and

a central communication company server providing VoIP communication service to the user terminal, storing user information of the user terminal in a customer DB, receiving the payment information from the payment gateway server through a wire/wireless network to compare the payment information with the user information stored in the customer DB and transmit a user verification result to the payment gateway server, and informed of a final payment approval from the payment gateway server to add a payment amount to communication charges of the user terminal and bill the charges.

7. The VoIP payment system according to claim 6,

wherein, in case the user verification result transmitted from the central communication company server is successful, the payment gateway server generates a peculiar verification code, transmits the verification code to the user terminal together with a message informing of the success of user verification, receives the verification code again from the user terminal, conducts occupancy verification by determining whether the verification code transmitted to the user terminal is coincided with the verification code received from the user terminal, informing the user terminal whether the payment is approved or not according to the occupancy approval result, and informing the central communication company server of a final payment approval in case the occupancy verification is successful,

whereby the payment of the user is approved by conducting the occupancy verification in addition to the user verification.

8. The VoIP payment system according to claim 6, wherein the payment gateway server includes:

a user verifying unit receiving the payment information and transmitting the payment information to the central communication company server, and receiving a user verification result from the central communication company server;

a user verification DB in which the user verifying unit stores the payment information and the user verification result;

an occupancy verifying unit generating a peculiar verification code, transmitting the verification code to the user terminal, and receiving a verification code again from the user terminal to compare the received verification code with the transmitted verification code, in case the user verification result is successful;

an occupancy verification DB for storing the verification code generated by the occupancy verifying unit and the occupancy verification result;

a payment approving unit informing the user terminal whether or not to approve the payment according to the user verification result of the user verifying unit or the occupancy verification result of the occupancy verifying unit, and informing the central communication company server of a final payment approval in case the payment approval is successful;

a payment approval DB for storing the final payment approval result processed by the payment approving unit; and

a payment settlement unit receiving a payment amount from the central communication company server, and settling the payment amount as a payment amount of a seller except a predetermined commission.

9. The VoIP payment system according to claim 6,

wherein, when the user terminal selects VoIP payment as payment information, a seller server provides the popup payment window to the user terminal to receive payment information including the VoIP phone number input by the user, and then the payment gateway server receives the payment information from the seller server in a hub type;

or

wherein, when the user terminal selects VoIP payment as payment information, the payment gateway server is informed of purchase information of the user from the seller server, provides the popup payment window to the user terminal on the basis of the purchase information, and receives the payment information including a VoIP phone number input by the user from the user terminal in a web type.

28. The VoIP payment system according to claim 7, wherein the payment gateway server includes:

a user verifying unit receiving the payment information and transmitting the payment information to the central communication company server, and receiving a user verification result from the central communication company server;

a user verification DB in which the user verifying unit stores the payment information and the user verification result;

an occupancy verifying unit generating a peculiar verification code, transmitting the verification code to the user terminal, and receiving a verification code again from the user terminal to compare the received verification code with the transmitted verification code, in case the user verification result is successful;

an occupancy verification DB for storing the verification code generated by the occupancy verifying unit and the occupancy verification result;

a payment approving unit informing the user terminal whether or not to approve the payment according to the user verification result of the user verifying unit or the occupancy verification result of the occupancy verifying unit, and informing the central communication company server of a final payment approval in case the payment approval is successful;

a payment approval DB for storing the final payment approval result processed by the payment approving unit; and

a payment settlement unit receiving a payment amount from the central communication company server, and settling the payment amount as a payment amount of a seller except a predetermined commission.

29. The VoIP payment system according to claim 7,

wherein, when the user terminal selects VoIP payment as payment information, a seller server provides the popup payment window to the user terminal to receive payment information including the VoIP phone number input by the user, and then the payment gateway server receives the payment information from the seller server in a hub type;

or

wherein, when the user terminal selects VoIP payment as payment information, the payment gateway server is informed of purchase information of the user from the seller server, provides the popup payment window to the user terminal on the basis of the purchase information, and receives the payment information including a VoIP phone number input by the user from the user terminal in a web type.

30. The VoIP payment system according to claim 6,

wherein the user terminal is a user PC (Personal Computer) or PDA (Personal Digital Assistant) receiving VoIP communication service and endowed with an Internet phone number.

31. The VoIP payment system according to claim 6,

wherein the payment gateway server receives payment information, which further includes a NIC (Network Interface Card) number peculiarly endowed to the user terminal, from the user terminal, and then comparing the NIC number of the payment information transmitted from the payment gateway server to the central communication company server with a NIC number stored in the customer DB so as to prevent illegal payment by fraudulent use of the IP address and the secret number or the VoIP phone number.

32. The VoIP payment system according to claim 6,

wherein the central communication company server further executes comparing overdue communication charges and a residual limit for a small amount of payment of the subscriber so as to verify the user,

wherein the central communication company server is informed of a final payment approval from the payment gateway server to add a payment amount to communication charges of the subscriber and bills the charge, and

wherein the central communication company server settles the payment amount received from the subscriber as a payment amount of a service provider of the payment gateway server except a predetermined commission.

13. A VoIP payment method for supporting user verification and payment in VoIP configuration by using a secret number input by a user, the method comprising:

(1) a payment gateway server providing a popup payment window to a user terminal that selects VoIP payment, and receiving payment information including a secret number input through the popup payment window and an IP address of the user terminal from the user terminal;

(2) the payment gateway server extracting the IP address and the secret number from the received payment information, and comparing the extracted IP address and the secret number with data stored in a secret number DB to verify the secret number;

(3) in case the secret number verification is successful, the payment gate way server transmitting payment information including the IP address and a resident registration number of a subscriber of the IP address to a central communication company server to request user verification, and receiving a user verification result from the central communication company server;

(4) in case the user verification is successful, the payment gateway server generating a peculiar verification code and requesting occupancy verification to the user terminal as a selective additional step of the step (3);

(5) the payment gateway server receiving the verification code from the user terminal, and comparing the received verification code with the verification code generated in the step (4) to determine an occupancy verification result; and

(6) in case the user verification result of the step (3) is successful or the occupancy verification result of the step (5) is successful, the payment gateway server informing the user terminal of payment approval and informing the central communication company server of a final payment approval.

14. The VoIP payment method according to claim 13, wherein the step (1) includes:

(1-1) the payment gateway server being informed that VoIP payment is selected by a user on a payment page provided from a seller server;

(1-2) the payment gateway server determining whether VoIP payment is firstly made using the IP address of the user terminal;

(1-3) in case of a first VoIP payment, the payment gateway server providing a popup payment window to the user terminal, and receiving payment information including resident registration number and IP address from the user terminal through the popup payment window; and

(1-4) in case of not a first VoIP payment, the payment gateway server providing a popup payment window to the user terminal, and receiving payment information secret number and IP address from the user terminal through the popup payment window.

15. The VoIP payment method according to claim 13, wherein the step (3) includes:

(3-1) the payment gateway server searches the secret number DB with the IP address to find a resident registration number of the subscriber, and reconfiguring the payment information by removing the secret number of the received payment information and adding the resident registration number;

(3-2) the payment gateway server transmitting the reconfigured payment information to the central communication company server to request user verification;

(3-3) the central communication company server comparing the IP address and the resident registration number of the received payment information with data stored in a customer DB, and checking overdue communication charges of the subscriber and a residual limit of a small amount of payment to determine whether or not to approve the user; and

(3-4) the payment gateway server receiving a user verification result from the central communication company server.

16. The VoIP payment method according to claim 15, wherein, in case the user verification result of the user terminal is successful and the payment is a first payment, the step (3-4) includes:

(3-4-1) the payment gateway server requesting the user terminal to set a secret number of the user, and receiving and storing a secret number set by the user.

17. The VoIP payment method according to claim 16, wherein the step (3-4-1) further includes:

the payment gateway server requesting secret numbers for other users and minors additionally, and receiving and storing the secret numbers for other users and minors, set by the user.

22. The VoIP payment method according to claim 13,

wherein the payment gateway server receives payment information further including a NIC number, peculiarly endowed to the user terminal, from the user terminal, and the central communication company server compares the NIC number of the payment information transmitted from the payment gateway server with a NIC number stored in the customer DB so as to prevent illegal payment by fraudulent use of the IP address and the VoIP phone number or the VoIP phone number.

23. The VoIP payment method according to claim 13,

wherein the central communication company server is informed of a final payment approval from the payment gateway server to add a payment amount to communication charges of the subscriber and bills the charge, and

wherein the central communication company server settles the payment amount received from the subscriber as a payment amount of a service provider of the payment gateway server except a predetermined commission.

18. A VoIP payment method for supporting user verification and payment in VoIP configuration by using a VoIP phone number input by a user, the method comprising:

(a) a payment gateway server receiving payment information including a VoIP phone number input by a user and an IP address of the user terminal from the user terminal in a hub type or in a web type;

(b) the payment gateway server transmitting the payment information to a central communication company server to request user verification, and receiving a user verification result from the central communication company server;

(c) in case the user verification is successful, the payment gateway server generating a peculiar verification code and requesting occupancy verification to the user terminal as a selective additional step of the step (b);

(d) the payment gateway server receiving the verification code from the user terminal, and comparing the received verification code with the verification code generated in the step (c) to determine an occupancy verification result;

(e) in case the user verification result of the step (b) is successful or the occupancy verification result of the step (d) is successful, the payment gateway server informing the user terminal of payment approval and informing the central communication company server of a final payment approval; and

(f) the payment gateway server receiving a payment amount from the central communication company server, and settling the payment amount except a prep determined commission as a payment amount of a seller.

19. The VoIP payment method according to claim 18, wherein the step (a) includes:

(a-1) the user terminal receiving a selection of VoIP payment on a payment page of a seller server from the user;

(a-2) the seller server providing a popup payment window to the user terminal, and receiving the payment information including a VoIP phone number input by the user through the popup payment window; and

(a-3) the payment gateway server being informed of the payment information from the seller server.

20. The VoIP payment method according to claim 18, wherein the step (a) includes:

(a-4) the user terminal receiving a selection of VoIP payment on a payment page of a seller server from the user;

(a-5) the payment gateway server being informed of a request for VoIP payment together with purchase information from the seller server; and

(a-6) the payment gateway server providing a popup payment window to the user terminal on the basis of the purchase information, and receiving the payment information including the VoIP phone number input by the user through the popup payment window.

21. The VoIP payment method according to claim 18, wherein the step (b) includes:

(b-1) the payment gateway server transmitting the payment information to the central communication company server to request user verification;

(b-2) the central communication company server comparing the IP address and the VoIP phone number of the received payment information with data stored in the customer DB, and checking overdue communication charges of the subscriber and a residual limit of a small amount of payment of the subscriber to determine whether or not to approve the user; and

(b-3) the payment gateway server receiving a user verification result from the central communication company server.

33. The VoIP payment method according to claim 18,

wherein the payment gateway server receives payment information further including a NIC number, peculiarly endowed to the user terminal, from the user terminal, and the central communication company server compares the NIC number of the payment information transmitted from the payment gateway server with a NIC number stored in the customer DB so as to prevent illegal payment by fraudulent use of the IP address and the VoIP phone number or the VoIP phone number.

34. The VoIP payment method according to claim 18,

wherein the central communication company server is informed of a final payment approval from the payment gateway server to add a payment amount to communication charges of the subscriber and bills the charge, and

wherein the central communication company server settles the payment amount received from the subscriber as a payment amount of a service provider of the payment gateway server except a predetermined commission.