Method of providing billing and payment service using settlement service function of mobile electronic wallet and system therefor

• US 20090098854A1
• Filed: 10/11/2007
• Published: 04/16/2009
• Est. Priority Date: 10/11/2007
• Status: Abandoned Application

• Current Assignee: Harexinfotech Incorporated
• Original Assignee: Harex InfoTech, Inc.
• Inventors: Park, Shae Jin, Kim, Jung Hun, Hur, Myoung Man
• Application Number:
  US11/907,339
• Publication Number:
  US 20090098854A1
• Time in Patent Office: Days
• US Class Current: 455/407
• CPC Class Codes: G06Q 20/14 specially adapted for billing systems
• CPC Class Codes: G06Q 20/3223 Realising banking transactions through M-devices
• CPC Class Codes: G06Q 20/3255 using mobile network messaging services for payment, e.g. SMS
• CPC Class Codes: G06Q 20/326 Payment applications installed on the mobile devices
• CPC Class Codes: G06Q 20/3572 Multiple accounts on card
• CPC Class Codes: G06Q 20/363 with the personal data of a user
• 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: H04L 12/14 Charging , metering or billing arrangements for data wireline or wireless communications

Abstract

Provided is a method of providing a billing and payment service using a settlement service function of a mobile electronic wallet, and a system therefor, which enables companies to charge customers for rates through their mobile devices, respectively, and enables the customers to directly pay for the rates using a settlement service function of a mobile electronic wallet without exposing banking information to a rate receipt institution on a regularly monthly basis. A rate guidance message is sent to a customer using a short message service (SMS) that is a wireless communication network service of a mobile device. If the customer confirms the guidance message, the mobile device automatically gains access to the rate demand company by call back URL or TCP/IP communication. Then, after undergoing a simple authentication procedure for confirming whether or not the access person is a true person, a rate bill including payment particulars is displayed on a screen of the mobile device. If the customer confirms the rate bill and intends to pay for the rate bill, the customer directly settles the payment using a settlement service function (e.g. credit card or account transfer of an electronic wallet of the mobile device. Thus, without exposing customer'"'"'s settlement information such as account number and card number, the rate can be paid according to the customer'"'"'s payment intent, to thereby reduce pressure by banking information exposure, and reduce congestion due to visit of banks using an electronic wallet settlement service function of the mobile device. A payment priority ranking order can be determined within a customer'"'"'s allowable capital extent, and payment tools such as transfer account and credit card are diversified, to thereby prevent a payment delay due to lack of deposit money and enhance a rate receipt efficiency of the rate demand company.

Claims

1. A method of providing a billing and payment service using a mobile device having an electronic wallet function, the billing and payment service providing method comprising the steps of:

(a) registering franchises of a rate demand company in a mobile communication center in order to use a mobile automatic account transfer or mobile credit card transfer service as a rate receipt method of the rate demand company;

(b) receiving a mobile automatic account transfer or mobile credit card transfer which is requested from a customer as the rate receipt method of the rate demand company, and then registering a mobile device number, a mobile electronic wallet identification (MCID) for mobile settlement and mobile communication discrimination information in an electronic server of the rate demand company;

(c) requesting the mobile communication center to send a rate payment particulars information to a customer whose rate receipt mode has been registered as the mobile settlement in the electronic server of the rate demand company to thus make the mobile communication center transmit a rate demand guidance message to the mobile device of the customer;

(d) connecting as a network between the mobile device of the customer and the rate demand company after having confirmed the rate demand guidance message, and thus making the rate demand company transmit a rate demand itemized statement to the mobile device and determining whether or not settlement is executed; and

(e) at the time of the mobile settlement, enabling the customer to directly process the rate payment by the mobile settlement using a settlement function of the mobile electronic wallet mounted in the mobile device, and determining a payment ranking order for a number of rate demand rate demand itemized statements, to then execute payment settlement, and then at the time of settlement completion, entering completion of payment in a ledger of the rate demand company.

2. The billing and payment service providing method of claim 1, wherein the step (c) comprises the step of transmitting a rate payment guidance message using a short message service to the mobile device of the customer via the mobile communication center on a customer appointment settlement day.

3. The billing and payment service providing method of claim 1, wherein the step (d) comprises the sub-steps of:

(d1) connecting by a wireless internet between the mobile device of the customer and the rate demand company using call back URL (User Resource Locator) or TCP/IP (Transfer Control Protocol/Internet Protocol) communication;

(d2) receiving at least one of a customer'"'"'s residence number, the mobile device number, the mobile electronic wallet discrimination identification (MCID) and selectively accomplishing a true person authentication procedure at the rate demand company or mobile communication center; and

(d3) transmitting the rate demand itemized statement of the customer to the mobile device of the customer using the wireless internet.

4. The billing and payment service providing method of claim 1, wherein the step (e) comprises the steps of:

connecting the mobile device of the customer with a relevant credit card company and executing payment if the customer chooses credit card transfer as the rate payment method at the time of the mobile settlement; and

connecting the mobile device of the customer with a relevant bank if the customer chooses automatic account transfer as the rate payment method at the time of the mobile settlement, wherein a payment ranking order is determined for a number of rate demand rate demand itemized statements, and then payment settlement is sequentially executed according to the payment ranking order.

5. The billing and payment service providing method of claim 4, wherein the step (e) comprises the steps of:

making the mobile communication center request the relevant bank designated by the customer to transfer the bank account at the time of payment of the rate via the mobile automatic bank account transfer designated by the customer, and then receive a transfer result; and

notifying the mobile device of the customer of the rate payment result, to then notify the rate demand company of the transfer result on an on-line or batch mode basis.

6. The billing and payment service providing method of claim 4, wherein the step (e) comprises the sub-steps of:

at the time of payment of the rate via the mobile credit card transfer designated by the customer,

(e1) selecting a card to use for rate payment among a number of pieces of card information;

(e2) inputting a password, and connecting a relevant credit card company through the mobile communication center if the input password is correct;

(e3) the mobile communication center requesting the credit card company for transaction approval and notifying the customer of the approval result;

(e4) the mobile communication center requesting the credit card company to make purchase data on the basis of the transaction approval result and to purchase the purchase data and notifying rate demand company of the purchase result on a batch mode basis; and

(e5) processing the rate by the customer on the basis of the rate receipt result at the rate demand company, and connecting to the relevant bank to confirm whether or not the payment settlement has been executed.

7. A system for providing a billing and payment service using a settlement function of a mobile electronic wallet, the billing and payment service providing system comprising:

a mobile device having an electronic wallet storing account information, banking information of credit card information to thereby execute rate payment via mobile settlement;

a rate demand company system which comprises;

sending a bill and invoice for payment rate such as communication fees, insurance fees, newspaper charges, and public imposts to a customer;

sending a rate guidance message to a mobile device registered as a rate payment unit for mobile settlement by the customer;

receiving a payment result; and

executing the rate receipt process;

a financial agency system for banks of customers and rate demand companies, and credit card companies; and

a mobile communication center which comprises;

sending a short message service (SMS) to a customer'"'"'s mobile device according to a payment particulars information request of a rate demand company;

requesting the financial agency system to settle the payment by automatic bank account transfer or credit card settlement according to a customer'"'"'s mobile payment intent; and

notifying the customer'"'"'s mobile device and rate demand company of the mobile payment result.

8. The billing and payment service providing system according to claim 7, wherein the electronic wallet of the mobile device is an integrated circuit (IC) chip storing customer'"'"'s account information and credit card information, and mobile electronic wallet discrimination identification (MCID).

9. The billing and payment service providing system according to claim 7, wherein the rate demand company system comprises a customer rate customer particulars database (DB) to manage rate demand and payment particulars in database (DB), and wherein the rate demand company system registers franchises for mobile account transfer and credit card transfer in the mobile communication center, requests the mobile device of the customer to execute mobile account transfer and credit card transfer on a batch mode, and receives the transfer result to thereby process a rate payment result.

10. The billing and payment service providing system according to claim 7, wherein the financial agency system transfers a relevant rate from a customer'"'"'s bank account to a rate demand company'"'"'s trading bank account and notifies a transfer result to the mobile communication center according to the transfer request of the mobile communication center, and remits a relevant rate from the customer'"'"'s bank account to the rate demand company'"'"'s trading bank account according to a purchase request of a credit card transaction approval result of the mobile communication center and notifies the mobile communication center of the payment result.

11. The billing and payment service providing system according to claim 7, wherein the mobile communication center transmits call back URL (User Resource Locator) or internet protocol (IP) address for TCP/IP (Transfer Control Protocol/Internet Protocol) communication connection, and a port number to a customer'"'"'s mobile device together with a rate payment guidance message, for wireless internet connection between the customer'"'"'s mobile device and the rate demand company, and plays a role of connecting between the customer and an account transfer bank and a VAN (Value Added Network) function therebetween.