KR100735141B1 - Payment method of internet content, computer readable recording medium recording program for executing the same, and payment system of internet content - Google Patents

Abstract

A method and a system of paying for Internet contents, and a computer-readable recording medium storing a program thereof are provided to prevent a content charge which has not yet collected owing to bad/malicious user connection IP(Internet Protocol), or CP(Content Provider) by using an RMS. A user terminal(100) includes a transceiver, a character input part, a display part for transmitting a payment approval message to a payment server(200) to use contents of the CP(300), and a controller. The controller of the payment server inputs a command to the I/O part to transmit a payment approval request message to the user terminal and store payment details to a payment details database of an RMS server(400). The RMS server includes the payment details database, an analysis database, the first/second rule database, a verified rule database, and a controller. The analysis database stores information analyzing the payment details of the payment details database. The second rule database extracts and registers the first rule through data mining based on the information of the analysis database. The second rule database stores the second rule converted to verify the first rule.

Description

METHOD OF PAYING FOR INTERNET CONTENTS, COMPUTER-READABLE STORAGE MEDIUM STORING PROGRAM FOR PERFORMING THE METHOD, AND SYSTEM OF PAYING FOR INTERNET CONTENTS}

1 is a view schematically showing a payment system for Internet content according to an aspect of the present invention;

2 is a view schematically showing the components of the user terminal 100 of FIG.

3 is a view schematically showing the components of the payment server 200 of FIG.

FIG. 4 is a diagram schematically illustrating components of a content provider (CP) server 300 of FIG. 1.

FIG. 5 is a diagram schematically illustrating components of a risk management server 400 of FIG. 1;

6 is a view showing a payment method of Internet content according to another aspect of the present invention;

7 is a view showing a payment method of Internet content according to another aspect of the present invention;

FIG. 8 is a diagram illustrating payment history items and first and second rules used for risk management in a payment method of Internet content according to another aspect of the present invention; FIG.

9 is a diagram illustrating an example of a warning and blocking verification completion rule used for risk management in a payment method of Internet content according to another aspect of the present invention.

<Explanation of symbols for the main parts of the drawings>

100 user terminal 110 transceiver

120 Character Input 130 Display

140 controller 200 payment server

210 I / O 220 Controller

230 Storage 300 Content Provider Server

310 Input / Output Unit 320 Control Unit

330 Storage 400 Risk Management Server

410 Input / Output Unit 420 Control Unit

430 Payment History Database 440 Analysis Database

450 First Rules Database 460 Second Rules Database

470 Validated Rule Database 500 Network

The present invention relates to a payment method for Internet content, a computer-readable recording medium recording a program for executing the same, and a payment system for Internet content, and more particularly, to a bad user, a bad access IP, or a bad content provider. Payment method of Internet contents equipped with Risk Management System (RMS) that can prevent in advance the incurred charges for the use of contents on the Internet due to (CP: contents provider). The present invention relates to a payment system for Internet content provided with a computer-readable recording medium recording a program and a risk management system.

Recently, a method of paying a fee for using Internet content by using a mobile phone is a widely known technique, and a variety of payment methods exist. As an example, as disclosed in Korean Utility Model Registration No. 0193499, unlike general landline telephones, mobile telephones, and personal communication devices having their own telephone numbers, service charges for service users connected to a service provider server may be immediately charged. If you can not receive the phone number and password that can be called from the user by using the user to call and confirm the user by using a number of easy and clearly distinguished users to provide services to the user and to charge a corresponding fee The payment method of is disclosed.

However, unlike various payment methods, an efficient prediction system that can prevent bad payment or malicious payment in advance has not yet been introduced. In other words, there are many cases in which charges for using the content on the Internet are incurred due to bad / malicious users, bad / malicious access IPs, or bad / malicious content providers. There is no measure. First of all, it is one of the biggest problems to make false payments for the recent cashable Internet contents, and then cash the contents and not pay the contents payment. In addition, more than a dozen of such content purchases occur at once in a malicious IP, or a bad user or an IP and a bad content provider collide with each other to cause such a payment, and then a bad user and a bad content provider. If you are going to be a problem can be a big problem.

The present invention was devised to solve the above problems, and due to bad / malicious user, bad / malicious access IP, or bad / malicious content provider, the incurred charges for the use of content on the Internet Payment method for Internet content with a Risk Management System (RMS) that prevents it from happening in advance, a computer-readable recording medium that records a program to execute it, and a payment system for Internet content with a risk management system The purpose is to provide.

Other objects and advantages of the invention will be described below and will be appreciated by the embodiments of the invention. Furthermore, the objects and advantages of the present invention can be realized by means and combinations indicated in the claims.

According to an aspect of the invention, the step of receiving the order information of the user, transmitting the order information to the payment server via a communication network, the payment server to the user terminal through the communication network based on the order information Transmitting a payment approval request message; when the user terminal receives the payment approval request message, replying a payment approval message to the payment server through the communication network; and the payment server approves the payment to the content provider server. Requesting to transmit the information necessary to use the content to the user terminal, the content provider server transmitting the information necessary to use the payment approved content to the user terminal, the payment server is the payment history To the risk management server Storing in the payment history database of the management server, the risk management server converts and indexes the payment history stored in the payment history database to create an analysis database, and mining data based on the analysis database. Extracting the first rule and registering it in the first rule database; verifying the registered first rule to obtain a truth value probability; and if the truth value probability is equal to or greater than a predetermined value, the risk management server. It provides a payment method of the Internet content comprising the step of registering in the verification completion rule database.

According to another aspect of the present invention, there is provided a computer-readable recording medium having recorded thereon a program for executing the above payment method of Internet content.

Further, according to another aspect of the present invention,

Communication network for transmitting information between each other by connecting the user terminal, payment server, content provider server, and risk management server by wire or wireless,

A transceiver; A text input unit for inputting a short message to the user to transmit a payment approval message to the payment server in order to use the content provider content; A display unit configured to display a short message including information necessary to use payment approved content and to display a short message input through the text input unit; And a control unit for controlling the transmission / reception unit, the text input unit, and the display unit.

An input / output unit for transmitting and receiving information with the communication network; Instructing the input / output unit to transmit a payment approval request message to the user terminal based on the order information of the user received through the input / output unit, and transmitting the payment details to the risk management server to the payment history database of the risk management server. A control unit instructing the input / output unit to store the data in the control unit; And a payment server having a storage unit for storing and registering various data,

An input / output unit for transmitting and receiving information with the communication network; A control unit instructing the input / output unit to transmit information necessary to use the payment approved content to the user terminal when the payment server requests to transmit the information necessary to use the payment approved content to the user terminal; And a content provider server having a storage unit for storing and registering various data, and

An input / output unit for transmitting and receiving information with the communication network; A payment history database in which the payment details are stored and registered; An analysis database created by converting and indexing payment details registered in the payment details database; A first rule database for extracting a first rule and registering the first rule by data mining based on the information registered in the analysis database; A second rules database that has registered the converted second rules to verify the first rules; A verification complete rule database for registering the verified rule; And controlling the input / output unit, data conversion and indexing of payment details registered in the payment details database, data mining based on the analysis database, converting the first rule to the second rule, And a control unit for verifying the second rule and instructing registration of each database.

Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings. Prior to this, terms or words used in the present specification and claims should not be construed as being limited to the ordinary or dictionary meanings, and the inventors should properly apply the concept of terms to explain their own invention in the best way. It should be interpreted as meanings and concepts in accordance with the technical spirit of the present invention based on the principle that it can be defined.

Therefore, the embodiments described in the specification and the drawings shown in the drawings are only the most preferred embodiment of the present invention, and do not represent all of the technical idea of the present invention, which can be replaced at the time of the present application It should be understood that there may be various equivalents, modifications, and variations.

Hereinafter, with reference to the accompanying drawings, it will be described an embodiment according to the present invention.

1 is a view schematically showing a payment system for Internet content according to an aspect of the present invention.

As shown in FIG. 1, a payment system for Internet content according to an aspect of the present invention includes a user terminal 100, a payment server 200, a content provider (CP) server 300, and a risk management. Server 400, and communication network 500. Here, the communication network 500 is a concept including both wired and wireless communication lines, and the payment server 200 and the content provider server 300 may be inside the same LAN, or may be one server. You just need to be able to send and receive information. Similarly, payment server 200 and risk management server 400 may be in the same LAN, or may be one server. Since various configurations will be apparent to those skilled in the art, a description thereof will be omitted. Hereinafter, each component will be described in more detail with reference to FIGS. 2 to 5.

2 is a view schematically showing the components of the user terminal 100 of FIG.

As shown in FIG. 2, the user terminal 100 includes a transceiver 110, a text input unit 120, a display 130, and a controller 140. In general, the user terminal 100 is a concept including a mobile phone or a variety of terminals having the function of a mobile phone such as a PDA phone or a smart phone.

Here, the transceiver 110 transmits and receives information and data so as to communicate between the user terminal 100 and the payment server 200 through the communication network 500. In some cases, the communication between the user terminal 110 and the content provider server 300 and / or the user terminal 110 and the risk management server 400 may be performed through the transceiver 110. It may be. The transceiver 110 generally includes a transmit / receive antenna, an upcover mixer, a downconversion mixer, an amplifier, and the like, and includes a super heterodyne system and a direct cover system (including Zero-IF and Low-IF). It is possible to transmit and receive with the communication network 500 by using, of course, may be connected by wire in some or all sections.

Next, the text input unit 120 may be used as a means for a user to request order by inputting order information in order to use content provided by the content provider server 300 on the Internet. However, in the present invention, as well as the order request through the character input unit 120, the content provider server 300 prepares a separate field for ordering content through the web, the user inputs the order information in the separate field In some cases, you can make an order request. Therefore, when ordering content through the web of the content provider server 300, the order information is not input through the character input unit 120.

In addition, the text input unit 120, the user transmits a payment approval message to the payment server 200 in order to use the content provided by the content provider server 300 on the Internet, in this case a short message (SMS) form It can also be used to enter a payment authorization message from. Here, the payment approval message is a message sent in response to the payment approval request message, which will be described later, when the payment server 200 transmits the message to the user terminal 100. More details on this will be described later. In addition, the text input unit 120 may adopt any one of various known text input methods. In addition, although embodiments of the present invention are described based on short messages throughout the embodiments of the present invention, the present invention may be implemented using multimedia messages rather than short messages within the scope of the present invention. Of course.

Next, the display unit 130 is a part for receiving and displaying a short message from the transceiver 110 including information necessary to use the content approved for payment. In addition, the display unit 130 is a part for displaying a short message input through the character input unit 120. In general, a flat panel display device as well as an FPD such as a liquid crystal display (LCD), a PDP, and an organic EL display device may be used. It is not a display device.

Next, the controller 140 is a part for managing and controlling the overall input / output, signal processing, and the entire display of the user terminal 100 such as the transceiver 110, the character input unit 120, and the display 130.

In addition, when there is an order request of the user that matches the verification completion rule described below, the control unit 140 sends a warning message to the corresponding phone number for the user's order request or, in some cases, the corresponding IP or the corresponding. When blocking a phone number, it can also be used to display a message when a user is notified of a warning or block message.

Although the user terminal 100 used in the present invention has been described with reference to FIG. 2, at this point in time when terminals having various configurations and functions have been released, the terminal may implement the same function as the user terminal used in the present invention. It can be said that the user terminal of the present invention will be apparent to those skilled in the art.

3 is a diagram schematically illustrating components of the payment server 200 of FIG. 1.

As shown in FIG. 3, the input / output unit 210 is a component that transmits and receives information to and from the communication network 500. The input / output unit 210 may receive and transmit information through the communication network 500. Communication between the input and output unit 210 and the communication network 500, regardless of whether wired or wireless, this configuration is a technique known to those skilled in the art, the description thereof will be omitted here.

Next, the control unit 220 is a part for managing and controlling all components of the payment server 200, in particular, when receiving an order request through the user terminal 100 (MO method), the user's order information Is received through the input and output unit 210 to analyze the user's order information and transmits the order information to the content provider server 300 corresponding to the order information to request verification of the order information, the control unit 220 ) May also perform a function of instructing the input / output unit 210 to request an order information verification request. In addition, after the content provider server 300 completes the verification, the content provider server 300 receives the verification result through the input / output unit 210.

In this case, if the verification is successful, the control unit 220 transmits a payment approval request message to the user terminal 100 through the communication network 500, whereas if the verification fails, the user terminal 100 is transmitted through the communication network 500. Instruct the input / output unit 210 to transmit any one of various guide messages indicating that the order request has failed.

On the contrary, when order information is received from a web page on the Internet provided by the content provider 300 instead of the user terminal 100 (Web + MO method), it is necessary to verify the order information of the user. It is not there. This is because the order information is provided through the order information input box provided by the content provider server 300, and thus it is not necessary to verify whether the order information is correct. Therefore, when order information is input from a web page on the Internet provided by the content provider 300, the control unit 220 of the payment server directly charges MT (payment approval request message) for the use of content corresponding to the order information. It will be transmitted to the user terminal 100 through the communication network 500.

In addition, the control unit 220 instructs to store all such individual payment details in the payment history database 430 of the risk management server 400 through the input / output unit 210. In some cases, the storage unit of the payment server 200 may be separately or simultaneously with transmitting and storing such individual payment details through the input / output unit 210 in the payment history database 43 of the risk management server 400. It is possible to store at 230.

Next, the storage unit 230 is a component that stores and registers various data, and is also a part that receives the verification completion rule to be described later and stores it. Of course, the memory device 230 may be configured through various memories.

Here, the payment server 200 may be a server managed by a communication company managing the communication network 500, or may be a server managed by a payment gate (PG) company, or managed by a payment service provider (PSP) company. In some cases, it may be a server managed by a specific content provider (CP).

FIG. 4 is a diagram schematically illustrating components of the content provider (CP) server 300 of FIG. 1.

As shown in FIG. 4, the input / output unit 310 is a component that transmits and receives information to and from the communication network 500. The input / output unit 310 receives and transmits information through the communication network 500. Communication between the input and output unit 310 and the communication network 500, regardless of whether wired or wireless, this configuration is a technique known to those skilled in the art will be omitted herein.

Next, the control unit 320 is a part for managing and controlling all the components of the content provider server 300, and in particular, the content information that the user provides order information received from the payment server 200. It is verified whether or not to match one of the, and the verification result is instructed to respond to the payment server 200 through the input and output unit 310 of the content provider. In addition, when the payment server 200 requests the user terminal 100 to transmit the information required to use the payment approved content, the input / output unit to transmit the information required to use the payment approved content to the user terminal 100. Command 310.

In addition, the control unit 320 controls the process of processing the order information input for the case in which the user inputs the order information on the web of the content provider server 300. In addition, when the controller 320 receives a notification from the payment server 200 that there is an order request that matches the verification completion rule, the controller 320 sends a warning message to send a warning message for the order request to the payment server 200. In addition to this, a blocking request to block the corresponding user terminal number or the corresponding IP may be made to the payment server 200. In addition, the control unit 320 of the content provider server 300 may directly block the user's ID, social security number, and user terminal number associated with the order request.

Next, the memory device 330 is a component for storing and registering various data, and is also a part for receiving notification of a verification completion rule to be described later and storing it. Of course, the memory device 330 may be configured through various memories.

FIG. 5 is a diagram schematically illustrating components of the risk management server 400 of FIG. 1.

As shown in FIG. 5, the input / output unit 410 is a component that transmits and receives information to and from the communication network 500. The input / output unit 410 receives data and transmits data through the communication network 500. Communication between the input and output unit 310 and the communication network 500, regardless of whether wired or wireless, this configuration is a technique known to those skilled in the art will be omitted herein.

Next, the payment history database 430 is a part in which the details of payment of contents of the content provider existing on the Internet are stored and registered, and the payment server 200 manages all of the contents payment details. Transfer to the server 400, the risk management server 400 is registered. Apart from this, a database similar to the payment details database 430 may be placed in the storage unit 230 of the payment server 200, and may be transmitted.

Here, the items of the payment history stored and registered in the payment history database 430, the telephone number of the user terminal, the user's social security number, the user's grade, the user's gender, the user's age, the user's region, for a predetermined period of time The number of times of use, the number of IPs used by the user for a predetermined period, the number of content providers used by the user for a predetermined period, the usage time of the user for a predetermined period, and the most frequent use of a predetermined percentage of the user for a predetermined period. A time interval, the user's use time for a predetermined period divided by the predetermined time of the user's predetermined time period during the predetermined period, the sum of the amount of the content usage for the user's predetermined period, the average amount of the user's use, The sum of the use amount of the predetermined% mode of use time interval, the average use amount of the predetermined% mode of use time interval Preferably comprises a part or the whole. An example of this can be easily seen with reference to the table shown in FIG. 8.

Here, the class of the user may be classified into a normal user terminal, an unreceived user terminal, and an unopened user terminal, but are not limited thereto and may be variously set. Here, the unopened user terminal is a mobile terminal capable of purchasing content on the Internet, which is not opened in China mobile, and can be used by purchasing a predetermined amount of payment card. In addition to the user's social security number, the concept includes various social security numbers indicating the user's identity.

In the item of the payment details, the predetermined period is preferably one of one week, two weeks, and January, and the present invention is not limited thereto. In addition, it is preferable that the user's area is a user's living area or a user's company location, and the present invention is not limited thereto, and an administrative area representing an area may be defined in provinces and counties. You can also decide.

In addition, the predetermined percentage is generally any one of 33.3%, 50%, 66.6%, and 75%, and it may be preferable to set the percentage as easy to find the verification completion rule described later through various verifications.

Next, the analysis database 440 is a database created by data conversion and indexing of selected items of payment history registered in the payment history database 430. Here, for data conversion and indexing, items of the payment history are divided by predetermined sections. By digitizing, an index is given to each predetermined section. An example of this will be described later with reference to FIG. 8.

Next, the first rule database 450 is a database that extracts the first rule by data mining based on the information registered in the analysis database 440 and registers the first rule. As a technique for mining data, a neural network or clustering may be used as an example, and the present invention is not limited thereto, and various methods may be employed by those skilled in the art. In addition, an example of the first rule used herein will be described later with reference to FIG. 8.

Next, the second rule database 460 converts the second rule, which is a form easy to verify, to verify the first rule registered in the first rule database 450, and converts the converted second rule to the second rule. Register with database 460. In other words, converting the first rule registered in the first rule database 450 into a second rule for rule verification generally means that the predetermined rule is used for data conversion and indexing of a selected item among items of payment history. This means converting the index assigned to each section into a format that includes items of payment details. Similarly, an example of the second rule used herein will be described later with reference to FIG. 8.

Next, the verification completion rule database 470 converts the first rule, which is easy to verify, into a second rule, and then verifies the second rule to obtain a truth value probability, when the obtained truth value probability is equal to or greater than a predetermined value. In the control unit 420 of the risk management server 400 is to register in the verification completion rule database 470.

When setting a value here, the principle to consider is that the second rule should be applied only when a probability probability very close to 100% is derived, based on the criterion "If there are 100 offenders, there should be no one innocent victim." It should be seen as a validation completion rule. Through such a verification completion rule, the payment system of the Internet content according to an aspect of the present invention is able to predict a customer with almost certain defects instead of finding a large number of potential customers. Thus, the predetermined value is preferably between 90% and 100%, and more preferably between 95% and 100%.

After that, the controller 420 to be described later performs the verification completion rule registered in the payment server 200 or the content provider server 300 or the payment server 200 and the content provider server 300 through the input / output unit 410. In order to use it, it is common to transmit the verification completion rule to the payment server 200 or the content provider server 300 or the payment server 200 and the content provider server 300.

Such a verification completion rule registered in the verification completion rule database 470 is preferably updated in a certain period of time, and in some cases, a special update is performed when a predetermined pattern occurs separately from the updating of a certain period of time. You can also carry out.

Next, the control unit 420, the input and output unit 410, the payment history database 430, the analysis database 440, the first rule database 450, the second rule that is all components of the risk management server 400 The component manages and controls the database 460 and the verification completion rule database 470. In other words, the control unit 420 converts and indexes the payment history registered in the payment history database 430, performs data mining based on the analysis database 440, and sets the first rule as the second rule. In this case, the second rule is verified, the registration of each database is ordered, and the communication with the payment server 200 and the like is commanded, managed, and controlled as described above.

In the above, the payment system for Internet content according to an aspect of the present invention has been described. Hereinafter, referring to FIGS. 6 to 9, a payment method of internet content according to another aspect of the present invention will be described.

6 is a view showing a payment method of Internet content according to another aspect of the present invention.

As shown in Figure 6, first, the user receives the order information (S100). Here, the order information of the user is input through the character input unit 120 of the user terminal 100.

An example of such user order information may be “77777xxxx”, and the order information may include content provider information and information indicating information of a specific content among various contents provided by the content provider. It is common. The MT having the order information is transmitted to the payment server 200 through the communication network 500 to complete the order request.

Next, the order information is transmitted to the payment server 200 through the telecommunication company (S200). In this case, the part indicated by the communication company may indicate a case of bypassing a predetermined server installed in the communication company as well as the wired / wireless communication network, or may simply indicate that the communication company 500 passes through the communication network 500 of the communication company. In the payment method for Internet content according to another aspect of the present invention, it is obvious to those skilled in the art that various methods for implementing the same may be included, and thus descriptions of specific examples thereof will be omitted.

Next, the payment server 200 analyzes the order information, extracts the content provider information included in the order information, transmits the order information to the corresponding content provider server 300, and verifies the order information. To request (S300). In this case, the contents information database stored in the storage unit 330 of the content provider server 300 is searched to verify whether the contents provided by the user are correct.

Next, as described above, the content provider server 300 verifies whether the order information matches one of the content information provided by the content provider server 300, and returns the verification result to the payment server. In response to step 200, it is answered (S400).

Next, based on the verification result, the payment server 200 transmits a payment approval request message to the user terminal 100 through the telecommunication company (communication network) when the verification is successful (S500). In this case, the MT is sent to induce charging. On the other hand, in the case of verification failure (not shown in FIG. 6), a notification message indicating that the order request has failed is transmitted to the user terminal 100 through a communication company (communication network). In addition to the message "Order failed," please refer to the other prompts, "Please refer to www.danal.co.kr for exact ordering information" or "For voice ordering please refer to the voice prompts on 02-521-0101 You can also send a separate message "or" see the xxx catalog for exact ordering information ".

Next, when the user terminal 100 receives the payment approval request message, the user terminal 100 returns a payment approval message to the payment server 200 through the telecommunication company (communication network) (S600). In this case, it is generally preferable to simply return only "1". However, the present invention is not limited thereto, and various reply unique numbers such as "*" and "#" may be selected differently. That is, the payment approval message may be a specific string defined by a user or determined by a telecommunication company, a payment gate company, or a payment server. By going through all of these processes, payment is approved.

Next, the payment server 200 requests the content provider server 300 to transmit the information necessary to use the content approved for payment to the user terminal 100 (S700). Next, the content provider server 300 transmits the information necessary to use the payment approved content to the user terminal 100 (S800). In this case, the information required to use the payment approved content generally includes a serial number or ID and password, but may also transmit unique information used only in the corresponding content provider.

Although not shown in FIG. 6, the payment server 200 may further include storing the payment details in the payment history database 430 of the risk management server 400. In this case, the payment server 200 Of course, the storage device 230 may be stored and registered in the payment history database 430 of the risk management server 400 after being stored and registered in the storage device 230.

7 is a view showing a payment method of Internet content according to another aspect of the present invention.

The payment method of the Internet content shown in FIG. 7 will be described only in the difference with the method shown in FIG. 6. The payment method of the Internet content shown in FIG. 7 basically assumes a case where an order request is made using an input field for an order request provided by a web site of the content provider server 300. Therefore, S100 and S150, which are steps of receiving order information from a user, are different from each other.

Next, S200 and S250, which are steps of transmitting the order request to the payment server 200, are the same steps, and thus description thereof will be omitted.

However, the next steps S300 and S400 are unnecessary steps in the payment method of the Internet content shown in FIG. 7. This means that when order information is input from a web page on the Internet provided by the content provider 300 instead of the user terminal 100, it is not necessary to verify the order information of the user. This is because the order information is provided through the order information input box provided by the content provider server 300, and thus it is not necessary to verify whether the order information is correct. Therefore, when order information is input from a web page on the Internet provided by the content provider 300, the control unit 220 of the payment server directly charges MT (payment approval request message) for the use of content corresponding to the order information. To be transmitted to the user terminal 100 through the communication network 500 (S550). Since the step (S650 to S850) is the same as S600 to S800 shown in Figure 6, the description thereof will be omitted.

FIG. 9 is a diagram illustrating payment history items and first and second rules used to manage risk in a payment method of Internet content according to another aspect of the present invention.

The data stored and registered in the payment history database 430 of the risk management server 400 are converted and indexed, and the analysis data as shown in FIG. 8 is created and stored in the analysis database 440. .

As shown in FIG. 8, the telephone number of the user terminal is "01139201923", the user's grade is "unopened" (the meaning of unopened is omitted above), the gender of the user is "man", the age of the user " 25 years old ", the user's region is" Beijing ", the user's usage count for one month is" 15 times ", the user's usage for one month is" 2 ", the user's usage content for one month The number of providers is "2", the user's one month usage time is "300 hours", and the user's one month usage period of 50% is "3 hours", (the user's 1 Usage time for months) / (50% of the most frequent usage time intervals for one month) is "0.01", the total amount of content usage for one month for users is "20,000 yuan", the month to the last month of the user The average amount of money used is "2000 RMB", and the sum of the amount of money used in the most frequent use time interval of 50% is "18. 000 yuan ", 50% of the time spent on average, the average amount of payment is" 6000 yuan / hour "payment example is illustrated.

Here, the most frequent use time interval of 50% for one month of the user is 3 hours, it can be seen that the user has a pattern using 50% of one month use for three hours.

Data conversion and indexing of such payment history data into analysis data is as follows (as shown in FIG. 8). The phone number of the user terminal is "01139201923" as it is, the user's rating is "2", the user's gender is "male", the user's age is "25", the user's area is "Beijing", and the user's one month The number of times used is "A", the number of IPs used by the user for one month is "B", the number of content providers used for the user for one month is "A", and the use time for the users for one month is "C". , The user's 50% least-use time interval for one month is "A", (user's one-hour usage time) / (user's 50% least-use time interval) "C", the total amount of content usage for a month for the user is "D", the average monthly amount of money for the user until the last month is "D", the total amount of money for the 50% modest time interval is "C", The analysis data shows that the average amount of money used in the 50% mode of use time interval is “D”. As such, the reason for constituting the analysis data by digitizing each item of the payment details for each predetermined section is to facilitate data mining.

As such, the virtual verification completion rule, that is, the first rule, is extracted from the analysis database 440 storing the analysis data by using a data mining technique, that is, a neural network or a clustering technique. An example of the first rule is, as shown in Fig. 8, "IF (gender = 'male') AND ((50% least used time interval = 'A') AND (user's usage count for one month = ' A ') AND (User's monthly usage average up to the last month>' D ')) AND (User's IP usage for one month =' B ') THEN 2 ".

The first rule is extracted through a data mining technique, and the extracted first rule is converted into a second rule which is easy to verify for verification. The second rule is also shown in Figure 8, "IF (gender = 'male') AND (more than 15 times in the last three hours, the user's monthly average amount up to 2000 yuan more than last month) And the number of IPs used by a user for two months or less) is THEN 2 ".

The verification is started using the second rule, and the truth value probability is obtained. When the obtained truth value probability is equal to or greater than a predetermined value, the control unit 420 of the risk management server 400 performs the verification completion rule database 470. ) Will be registered.

As mentioned above, when setting a predetermined value here, the principle to be considered is that only when a probability of truth value close to 100% is derived based on the criterion that "there should be no one innocent victim even if one misses 100 criminals". You should see that second rule as a validation complete rule. Thus, the predetermined value is preferably between 90% and 100%, and more preferably between 95% and 100%.

The second rule having a truth value probability equal to or greater than a predetermined value set as described above is recognized as verification completion, and the verification completion rule (verification completion rule) is stored and registered in the verification completion rule database 470.

Such a verification completion rule can be roughly classified into a case of predicting a bad user mainly based on a user terminal and a case of predicting a bad IP based on a user IP. Next, it can be used to predict bad content providers, and furthermore, a rule can be developed to provide high-quality risk management tailored to specific content providers based on specific content providers.

The verification completion rule registered in this way, the control unit 420 of the risk management server 400, the input and output unit 410 through the payment server 200 or the content provider server 300 or payment server 200 and the content. In order to use the verification completion rule registered in the provider server 300, the verification completion rule is transmitted to the payment server 200 or the content provider server 300 or the payment server 200 and the content provider server 300. It is common to transmit. In this case, the received verification completion rule is stored and registered in each of the storage units 230 and 330 of the payment server 200 and the content provider server 300.

Such a verification completion rule registered in the verification completion rule database 470 is preferably updated in a certain period of time, and in some cases, a special update is performed when a predetermined pattern occurs separately from the updating of a certain period of time. You can also carry out.

Next, an assumption is made about a situation that may occur after the verification completion rule is stored and registered in each of the storage units 230 and 330 of the payment server 200 and the content provider server 300. Let's try it.

First, when there is an order request that does not match the verification completion rule, the normal payment process described above may be performed.

Next, when there is an order request that matches the verification completion rule, it may be preferable that the payment server 200 sends a warning message to the corresponding phone number for the user's order request. Alternatively, if there is an order request that matches the verification completion rule, the payment server 200 may block the corresponding IP or the phone number for the user's order request.

In addition, when there is an order request that matches the verification completion rule, the payment server 200 determines the information of the user who made the order request, that is, schedule information about the user, and information on the matching verification completion rule (rule definition). , A brief description of the rules, etc.) to the content provider server 300, and when the content provider server 300 requests a warning message to be sent to the corresponding phone number, the payment server 200 is assigned to the corresponding phone number. It will send a warning message. In addition, when the content provider server 300 requests the payment of the IP or the phone number, the payment server 200 blocks the payment of the IP or the phone number.

In addition, when there is an order request that matches the verification completion rule, the content provider server 300 may also send a warning message to the corresponding request of the user, the IP, the corresponding phone number, the user's ID, You can also block the IP, the phone number, and the user's ID.

Meanwhile, when a warning message is sent to the corresponding phone number, the payment server 200 may notify the corresponding content provider server 300 of the details of the warning message transmission. In addition, when the IP or the phone number is blocked, the payment server 200 may notify the content provider server 300 of the blocking details.

Here, the notification to the content provider server 300 may be immediately sent to a mail or mobile phone of a person in charge of a registered content provider or may be notified at a predetermined time of the next day.

In addition, in any case, the user may immediately send such a warning message or a blocking history to the user's mail or cell phone for the stolen user or notify the user at a predetermined time of the next day. In this case, if you send it immediately, the person who is stealing can be seen.

FIG. 9 is a diagram illustrating an example of a warning and blocking verification completion rule used for risk management in a payment method of Internet content according to another aspect of the present invention. It is common to receive such a table from the content provider and store it in the risk management server 400 or the payment server 200.

According to the above-described payment method of Internet content according to the present invention, a computer-readable recording medium recording a program for executing the same, and an Internet content payment system, due to the content payment by a bad / malicious user or a stationary IP, It brings the effect of significantly reducing the amount of errors that have occurred, and similarly, it also has the effect of reducing the burden burden caused by bad content providers.

In addition, the profitability of the company to which the payment server belongs can be improved to improve financial soundness, as well as to reduce fees for normal and exemplary content providers.

As described above, although the present invention has been described by way of limited embodiments and drawings, the present invention is not limited thereto and is intended by those skilled in the art to which the present invention pertains. Of course, various modifications and variations are possible within the scope of equivalents of the claims to be described.

Claims (56)

delete delete delete delete delete delete delete delete delete delete Receiving the order information of the user, Transmitting the order information to a payment server through a communication network; The payment server transmitting a payment approval request message to a user terminal through the communication network based on the order information; When the user terminal receives the payment approval request message, replying the payment approval message to the payment server through the communication network; Requesting, by the payment server, the content provider server to transmit information necessary for using the payment approved content to the user terminal; Transmitting, by the content provider server, information necessary for using the payment approved content to the user terminal; The payment server transmitting the payment history to a risk management server and storing the payment history in a payment history database of the risk management server; The risk management server creating an analysis database by converting and indexing the payment details stored in the payment history database; Mining the data based on the analysis database, extracting a first rule, and registering the first rule in the first rule database; Verifying the registered first rule to obtain a truth value probability, and If the truth value probability is equal to or greater than a predetermined value, registering the verification completion rule database of the risk management server; Receiving the order information of the user, the order information is received through the user terminal, The payment server transmitting the payment approval request message to the user terminal through the communication network based on the order information, Analyzing, by the payment server, the order information received through the user terminal, transmitting the order information to a corresponding content provider server, and requesting verification of the order information; The content provider server verifying whether the order information matches one of the content information provided by the content provider server, and responding the verification result to the payment server; and On the basis of the verification result, the payment server transmits a payment approval request message to the user terminal through the communication network if the verification is successful, and if the verification fails, the order request to the user terminal through the communication network has failed. Sending a guide message of the purpose; The payment authorization message is a specific string, The items of the payment history, the phone number of the user terminal, the user's grade, the user's gender, the user's age, the user's social security number, the user's region, the user's usage for a predetermined period, the user's IP for a predetermined period Number of users, number of content providers used for a predetermined period of time, user's usage time for a predetermined period, user's usage time interval of a predetermined percentage of a predetermined period, usage time for the user's predetermined period Is divided by the predetermined percentage of the most frequently used time periods of the user, the sum of the amount of content usage for the predetermined period of the user, the average amount of the amount of use of the user, and the sum of the amount of use of the least frequently used time period of the user. And a part or all of an average of the usage amount of the predetermined% least frequently used time interval. Payment method of net contents. The method of claim 11, Verifying the extracted first rule to obtain a truth value probability; Converting the extracted first rule into a second rule format for rule verification and registering the extracted first rule in a second rule database; and Verifying the second rule to obtain a truth value probability. The method of claim 12, And transmitting the verification completion rule to the payment server by the risk management server so that the registered verification completion rule can be used by the payment server. The method of claim 12, And transmitting the verification completion rule to the content provider server by the risk management server so that the registered verification completion rule can be used by the content provider server. The method of claim 12, The data conversion and indexing of the payment details comprises digitizing the items of the payment details by predetermined sections, and assigning an index to each predetermined section. The method of claim 15, Converting the extracted first rule into a second rule for rule verification includes: an item of the payment history for rule verification of an index assigned to each predetermined section for data conversion and indexing of the payment history; The payment method of the Internet content, characterized in that the conversion to the included format. The method of claim 13, If there is an order request that matches the verification completion rule, the payment server sends a warning message to the corresponding telephone number in response to the order request of the user. The method of claim 13, If there is an order request that matches the verification completion rule, the payment server blocks the IP or the corresponding phone number with respect to the order request of the user. The method of claim 14, When there is an order request that matches the verification completion rule, the content provider server sends a warning message to the telephone number and the ID of the user, the order request of the user, characterized in that the Internet content. The method of claim 14, When there is an order request that matches the verification completion rule, the content provider server blocks the corresponding IP, the corresponding phone number, and the user's ID with respect to the user's order request. . The method of claim 17, When the alert message is sent to the corresponding telephone number, the payment server further comprises notifying the content provider server of the alert message transmission details. The method of claim 18, When the IP or the phone number is blocked, the payment server further comprises notifying the content provider server of the blocking details. The method of claim 21, The method of claim 1, wherein the notifying the content provider server is immediately sent to an e-mail or a mobile phone of a person in charge of a registered content provider or notified at a predetermined time of the next day. The method of claim 22, The method of claim 1, wherein the notifying the content provider server is immediately sent to an e-mail or a mobile phone of a person in charge of a registered content provider or notified at a predetermined time of the next day. The method of claim 12, The verification completion rule registered in the verification completion rule database of the risk management server, characterized in that for updating a predetermined period of time. The method of claim 13, If there is an order request that matches the verification completion rule, the payment server further comprises the step of notifying the content provider server of the information of the user who made the order request and information about the matching verification completion rule Payment method for Internet content. The method of claim 26, Requesting the payment server to send a warning message to a corresponding telephone number based on the user's information notified from the payment server and information on a matching verification completion rule; or And the content provider server directly sending a warning message to a telephone number or a corresponding user ID. The method of claim 26, Requesting the payment server to block the corresponding IP or the phone number in response to the order request of the user based on the information on the verification completion rule matched with the information of the user notified from the payment server, Or directly blocking, by the content provider server, a corresponding IP, a corresponding phone number, or a corresponding user ID. delete delete delete delete delete delete delete delete delete delete delete Communication network for transmitting information between each other by connecting the user terminal, payment server, content provider server, and risk management server by wire or wireless, A transceiver; A text input unit for inputting a short message to the user to transmit a payment approval message to the payment server in order to use the content provider content; A display unit configured to display a short message including information necessary to use payment approved content and to display a short message input through the text input unit; And a control unit for controlling the transmission / reception unit, the text input unit, and the display unit. An input / output unit for transmitting and receiving information with the communication network; Instructing the input / output unit to transmit a payment approval request message to the user terminal based on the order information of the user received through the input / output unit, and transmitting the payment details to the risk management server to the payment history database of the risk management server. A control unit instructing the input / output unit to store the data in the control unit; And a payment server having a storage unit for storing and registering various data, An input / output unit for transmitting and receiving information with the communication network; A control unit instructing the input / output unit to transmit information necessary to use the payment approved content to the user terminal when the payment server requests to transmit the information necessary to use the payment approved content to the user terminal; And a content provider server having a storage unit for storing and registering various data, and An input / output unit for transmitting and receiving information with the communication network; A payment history database in which the payment details are stored and registered; An analysis database created by converting and indexing payment details registered in the payment details database; A first rule database for extracting a first rule and registering the first rule by data mining based on the information registered in the analysis database; A second rules database that has registered the converted second rules to verify the first rules; A verification complete rule database for registering the verified rule; And controlling the input / output unit, data conversion and indexing of payment details registered in the payment details database, data mining based on the analysis database, converting the first rule to the second rule, It includes a risk management server having a control unit for verifying the second rule, and instructs the registration of each database, Order information of the user is received through the user terminal, The control unit of the payment server, The user receives order information through the input / output unit of the payment server, analyzes the order information, transmits the order information to a corresponding content provider server, requests verification of the order information, and through the input / output unit of the payment server. On the basis of the verification result received from the content provider server, if the verification is successful, the payment approval request message is transmitted to the user terminal through the communication network, and if the verification failure, the order request to the user terminal through the communication network. Instructing the input / output unit to transmit a guide message indicating that the failure has occurred, The control unit of the content provider server, Verifying whether the order information received from the payment server is matched with one of the content information provided by the content provider server, and responding the verification result to the payment server through the input / output unit of the content provider; Instructs the input and output of the content provider server, The payment authorization message is a specific string, The items of the payment history, the phone number of the user terminal, the user's grade, the user's gender, the user's age, the user's social security number, the user's region, the user's usage for a predetermined period, the user's IP for a predetermined period Number of users, number of content providers used for a predetermined period of time, user's usage time for a predetermined period, user's usage time interval of a predetermined percentage of a predetermined period, usage time for the user's predetermined period Divided by the predetermined percentage of the most frequently used time periods of the user, the sum of the amount of content usage for the predetermined period of the user, the average amount of the amount of use of the user, and the sum of the amount of use of the least frequently used time period of the user And a part or all of an average of the usage amount of the predetermined% least frequently used time interval. Payment system of net contents. The method of claim 40, And the risk management server transmits the verification completion rule to the payment server so that the registered verification completion rule can be used by the payment server. The method of claim 40, And the risk management server transmits the verification completion rule to the content provider server so that the registered verification completion rule can be used by the content provider server. The method of claim 40, The data conversion and indexing of the payment details comprises digitizing the items of the payment details by predetermined sections, and assigning an index to each predetermined section. The method of claim 43, Converting the extracted first rule into a second rule for rule verification, the index assigned to each predetermined section of the payment history for rule verification, in order to convert and index the payment history The payment system for Internet content, characterized in that for converting the format containing the item. 42. The method of claim 41 wherein And, when there is an order request that matches the verification completion rule, the payment server sends a warning message to the corresponding telephone number in response to the user's order request. 42. The method of claim 41 wherein If there is an order request that matches the verification completion rule, the payment server blocks the IP or the phone number for the user's order request, characterized in that the Internet content payment system. The method of claim 42, If there is an order request that matches the verification completion rule, the content provider server sends a warning message to the telephone number and the ID of the user, the order request of the user, characterized in that the Internet content. The method of claim 42, When there is an order request that matches the verification completion rule, the content provider server blocks the corresponding IP, the corresponding phone number, and the user's ID with respect to the order request of the user. . The method of claim 45, When the alert message is sent to the corresponding telephone number, the payment server further comprises notifying the content provider server of the alert message transmission details. The method of claim 46, When the IP or the phone number is blocked, the payment server further comprises notifying the content provider server of the blocking details. The method of claim 49, The notification of the content provider server is an Internet content payment system, characterized in that it is sent immediately to the e-mail or mobile phone of the person in charge of the registered content provider in advance or notified at a predetermined time the next day. 51. The method of claim 50, The notification of the content provider server is an Internet content payment system, characterized in that it is sent immediately to the e-mail or mobile phone of the person in charge of the registered content provider in advance or notified at a predetermined time the next day. The method of claim 40, And the verification completion rule registered in the verification completion rule database of the risk management server is updated in a predetermined period. 42. The method of claim 41 wherein If there is an order request that matches the verification completion rule, the payment server further comprises notifying the content provider server of information of the user who made the order request and information on the matching verification completion rule. Internet payment system. The method of claim 54, wherein On the basis of the information on the verification completion rule matched with the user's information notified from the payment server, requesting the payment server to send a warning message to the telephone number for the user's order request, or the telephone And the content provider server directly sends a warning message to a number or a corresponding user ID. The method of claim 54, wherein Based on the information on the verification completion rule matched with the user's information notified from the payment server, the user requests the payment server to block the corresponding IP or the corresponding telephone number for the user's order request, or The content provider server directly blocks an IP, a corresponding telephone number, or a corresponding user ID.

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