Service System and Method for Mobile Payment of Small Amount Using Virtual Caller Id
First Claim
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1. A mobile micropayment service system using a virtual caller ID, comprising:
- a mobile PG center receiving mobile communication terminal number information and charge amount information of a predetermined deposit of a user from a predetermined member company server, generating and storing charge information including the mobile communication terminal number information, the charge amount information, and identification information of the member company, and transmitting the charge information to a predetermined server;
a micropayment SMS server receiving the charge information from the mobile PG center, generating a short payment request message whose calling number is a virtual caller ID including the member company identification information, the charge amount information, and predetermined identification information, wherein the identification information is predetermined number information for receiving a short message from the mobile communication terminal of the user, and transmitting the short payment request message to the mobile communication terminal of the user,wherein when the short message whose called number is the virtual caller ID is received from the mobile communication terminal, the micropayment SMS server transmits an SMS reception acknowledgment message in response to the short message to the mobile PG center, and when the SMS reception acknowledgment message is received, the mobile PG center transmits an approval message of the approval with respect to the deposit charge to the mobile PG center.
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Abstract
The present invention relates to a mobile micropayment service system and method using a virtual caller ID. According to a micropayment service system and method of the present invention, a user can use mobile micropayment service not only without providing the personal information of the user to a mobile PG center but also by transmitting a short message, and each mobile network operator directly manages the bill particulars information with respect to the mobile micropayment without depending on the mobile PG center.
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Citations
34 Claims
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1. A mobile micropayment service system using a virtual caller ID, comprising:
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a mobile PG center receiving mobile communication terminal number information and charge amount information of a predetermined deposit of a user from a predetermined member company server, generating and storing charge information including the mobile communication terminal number information, the charge amount information, and identification information of the member company, and transmitting the charge information to a predetermined server; a micropayment SMS server receiving the charge information from the mobile PG center, generating a short payment request message whose calling number is a virtual caller ID including the member company identification information, the charge amount information, and predetermined identification information, wherein the identification information is predetermined number information for receiving a short message from the mobile communication terminal of the user, and transmitting the short payment request message to the mobile communication terminal of the user, wherein when the short message whose called number is the virtual caller ID is received from the mobile communication terminal, the micropayment SMS server transmits an SMS reception acknowledgment message in response to the short message to the mobile PG center, and when the SMS reception acknowledgment message is received, the mobile PG center transmits an approval message of the approval with respect to the deposit charge to the mobile PG center. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13)
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14. A mobile micropayment service method for deposit charging of a mobile micropayment service system using a virtual caller ID, the system comprising a micropayment SMS server receiving a short message of a certain virtual caller ID for mobile micropayment from any one of an switch of a mobile communication system and a short message service center, a mobile PG center connected to the micropayment SMS server and a plurality of member company servers, the mobile PG center comprising a charge information database storing mobile communication terminal number information of users, member company identification information, and charge amount information, the method comprising:
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a first step of transmitting mobile communication terminal number information, member company identification information, and charge amount information to the micropayment SMS server when the mobile PG center receives the mobile communication terminal number information of the user and the charge amount information from the member company server for the mobile micropayment; a second step of transmitting a short payment request message whose calling number is a virtual caller ID, the message including the member company identification information and the charge amount information and requesting a short message replying to the mobile communication terminal by the micropayment SMS server; a third step of transmitting an SMS reception acknowledgment message including the number information of the mobile communication terminal transmitting the short message, the member company identification information, and the charge amount information included in the virtual caller ID to the mobile PG center in case that the micropayment SMS server receives a short payment acknowledgement message transmitted from the mobile communication terminal using the virtual caller ID via the switch or short message service center; and a fourth step of checking whether charge information including the mobile communication terminal information, the member company identification information, and the charge amount information received from the micropayment SMS server to the mobile PG center exists in the charge information database and transmitting an approval message including the mobile communication terminal number information of the user and the charge amount information to the member company server in case that the charge information exists in the charge information database, wherein the member company server receiving the approval message from the mobile PG center charges the deposit. - View Dependent Claims (15, 16, 17, 18, 19, 20, 21, 30, 31, 32, 33, 34)
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22. A mobile micropayment service method for charging a deposit, of a mobile micropayment service system using a virtual caller ID, the system comprising a micropayment SMS server receiving a short message using a certain virtual caller ID for mobile micropayment from one of an switch of a mobile communication system and a short message service center, a mobile PG center connected to the micropayment SMS server and a plurality of member company servers, the mobile PG center comprising a charge information database storing member company identification information, mobile communication terminal number information of users, and charge amount information, the method comprising:
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a first step of transmitting an SMS reception acknowledgment message including information of mobile communication terminal number transmitting a short message, member company identification information, and charge amount information and mobile communication terminal number of a user, in which a deposit is charged, included in the virtual caller ID to the mobile PG center when the micropayment SMS server receives the short message via any one of the switch and the short message service center; and a second step of checking whether charge information including the mobile communication terminal number information, the member company identification information, and the charge amount information received from the micropayment SMS server to the mobile PG center exists in the charge information database and transmitting an approval message including the mobile communication terminal number information of the user and the charge amount information to the member company server when the charge information exists in the charge information database, wherein the member company server receiving the approval message from the mobile PG center charges the deposit. - View Dependent Claims (23, 24, 25, 26, 27, 28, 29)
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Specification