KR101169181B1 - Payment processing system and control method thereof, and payment processing agency server comprised in the system and control method thereof - Google Patents

Abstract

PURPOSE: A payment processing system, payment processing proxy server including the same, and control method thereof are provided to improve user convenience by enabling a user to register payment information like credit card numbers beforehand. CONSTITUTION: When order requests are received from a customer terminal(410), a payment request server(200) creates a predetermined payment processing request message. A payment processing proxy server(100) authenticates members who use a client terminal. The payment processing proxy server transmits payment client authentication request signals to a legacy payment processing server(300). The payment processing proxy server transmits payment authentication numbers and the predetermined payment request signals to the legacy payment processing server.

Description

PAYMENT PROCESSING SYSTEM AND CONTROL METHOD THEREOF, AND PAYMENT PROCESSING AGENCY SERVER COMPRISED IN THE SYSTEM AND CONTROL METHOD THEREOF}

The present invention relates to a payment processing system, a control method thereof, a payment processing agent server included in the payment processing system, and a control method thereof. More specifically, the inconvenience of maximizing user convenience at the time of payment and inputting necessary information every time of payment. The present invention relates to a payment processing system configured to solve the problem, a control method thereof, a payment processing agent server included in the payment processing system, and a control method thereof.

With the recent development of electronic communication technology, electronic payment has been made in various ways online. For example, people can use their computer at home to order goods in an online shopping mall and pay on the spot using their computer.

However, the conventional methods put a high priority on the safety of transactions, so there were many limitations in the storage and use of payment information. There has been a problem that payment service is not provided smoothly based on Cross-Platform by providing Active-X based payment interface for processing public / private certificates.

In particular, the recent boom of smartphones have brought a large number of people carrying a smartphone, the situation has not been made smoothly due to the active-X problem in these smartphones.

In addition, conventionally, for example, if you want to make a card payment has been inconvenient to enter the card number every time. In other words, the card payment can be made only when the card number must be memorized or the card is kept at all times.

The present invention has been made to solve the above-mentioned problems, the object is to maximize the user's convenience in online payment, payment processing system and a control method that can be easily paid through various terminals and its It is to provide a payment processing agent server and a control method included in the payment processing system.

In order to achieve the above object, the payment processing system according to the present invention, provides a product or service order page to the customer terminal, and when the order request is received from the customer terminal and a payment request server for generating a predetermined payment progress request message; ; In accordance with the payment progress request message generated by the payment request server, a member authentication process is performed on a customer using the customer terminal, and a payment customer authentication request signal including a unique number corresponding to the customer authenticated member is processed. In addition to transmitting to the legacy payment processing server and providing a payment verification page including a payment verification number input window to the customer terminal, the payment verification number and a predetermined payment request signal input by the customer in the payment verification number input window; A payment processing agent server for transmitting to the legacy payment processing server; Extracts communication terminal information of the corresponding customer using a unique number corresponding to the customer included in the payment customer authentication request signal received from the payment processing agent server, and transmits a predetermined payment authentication number to the extracted customer communication terminal. And a legacy payment processing server configured to perform payment processing according to a payment request signal from the payment processing agent server when the transmitted payment authentication number and the payment authentication number received from the payment processing agent server match. do.

In addition, the payment processing system according to the present invention in order to achieve the above object, provides a product or service order page to the customer terminal, the payment request to generate a predetermined payment progress request message when the order request is received from the customer terminal A server; According to the payment progress request message generated by the payment request server, the member authentication process is performed on the customer using the customer terminal, and the communication terminal information of the member authenticated customer is extracted and based on the extracted information. It transmits a predetermined payment verification number to the communication terminal of the customer and provides the payment verification page including the payment verification number input window to the customer terminal, and the payment verification number entered by the customer in the payment verification number input window And a payment processing agent server that performs payment processing when the payment authentication numbers transmitted to the communication terminal match.

In addition, the control method of the payment processing system according to the present invention in order to achieve the above object, the payment request server provides a product or service order page to the customer terminal, the predetermined payment proceeds when the order request is received from the customer terminal Generating a request message; The payment processing agent server performs a member authentication process for the customer using the customer terminal according to the payment progress request message generated by the payment request server, and includes a payment including a unique number corresponding to the customer authenticated customer. Transmitting a customer authentication request signal to a legacy payment processing server and providing a payment authentication page including a payment authentication number input window to the customer terminal; The legacy payment processing server extracts communication terminal information of the corresponding customer using a unique number corresponding to the customer included in the payment customer authentication request signal received from the payment processing agent server, and based on the extracted information, Transmitting a predetermined payment authentication number to the communication terminal of the customer; Transmitting, by the payment processing agent server, the payment verification number input and received by the customer in the payment verification number input window to the legacy payment processing server; And performing a payment process by the legacy payment processing server according to a payment request signal of the payment processing agent server when the transmitted payment authentication number and the payment authentication number received from the payment processing agent server match.

In addition, the control method of the payment processing system according to the present invention in order to achieve the above object, a predetermined payment request server provides a product or service order page to the customer terminal, when the order request is received from the customer terminal Generating a payment progress request message; The payment processing agent server performs member authentication processing on the customer using the customer terminal according to the payment progress request message generated by the payment request server, and extracts and extracts customer terminal information of the customer who has been authenticated. It transmits a predetermined payment verification number to the communication terminal of the customer based on the information, and provides a payment verification page including a payment verification number input window to the customer terminal, and is entered in the payment verification number input window by the customer. And performing a payment process when the payment authentication number and the payment authentication number transmitted to the communication terminal match.

Further, in order to achieve the above object, a predetermined payment progress request message is received from a customer terminal according to the present invention or a payment request terminal that provides a product or service order page to the customer terminal, and communicates with a predetermined legacy payment processing server. The payment processing agent server, the member authentication processing unit for performing a member authentication process for the customer using the customer terminal according to the payment progress request message; A page providing unit for providing a payment verification page including a predetermined payment verification number input window to the customer terminal; A receiving unit receiving a payment authentication number input by the customer in a payment authentication number input window; A payment request preparation unit for transmitting a payment customer authentication request signal including a unique number for the customer authenticated by the member authentication processor and a payment authentication number received in the receiver to the legacy payment processing server; And a payment request unit for transmitting a payment request signal including payment details included in the payment progress request message to the legacy payment processing server.

In addition, in order to achieve the above object, a payment processing agent server that performs a payment process by receiving a predetermined payment progress request message from a customer terminal according to the present invention or a payment request terminal that provides a product or service order page to the customer terminal. The member authentication processing unit performs a member authentication process for a customer using the customer terminal according to the payment progress request message; A customer information extracting unit for extracting communication terminal information of the customer authenticated by the member; A payment preparation unit which transmits a predetermined payment authentication number to the communication terminal of the customer based on the communication terminal information of the customer extracted by the customer information extracting unit; A page providing unit for providing a payment verification page including a predetermined payment verification number input window to the customer terminal; A receiving unit receiving a payment authentication number input by the customer in a payment authentication number input window; And a payment processing unit that performs payment processing when the payment authentication number received by the receiving unit and the payment authentication number transmitted by the payment preparation unit to the communication terminal of the customer match.

Further, in order to achieve the above object, a predetermined payment progress request message is received from a customer terminal according to the present invention or a payment request terminal that provides a product or service order page to the customer terminal, and communicates with a predetermined legacy payment processing server. The control method of the payment processing agent server includes: performing a member authentication process for a customer using the customer terminal when the payment progress request message is received; Providing a payment authentication page including a predetermined payment authentication number input window to the customer terminal, and transmitting a payment customer authentication request signal including a unique number for the member authenticated customer to the legacy payment processing server; Receiving a payment verification number input by the customer in a payment verification number input window; And transmitting the received payment authentication number to the legacy payment processing server and transmitting a payment request signal including the payment details included in the payment progress request message to the legacy payment processing server.

In addition, in order to achieve the above object, a payment processing agent server that performs a payment process by receiving a predetermined payment progress request message from a customer terminal according to the present invention or a payment request terminal that provides a product or service order page to the customer terminal. The control method may include: performing a member authentication process for a customer using the customer terminal according to the payment progress request message; Extracting communication terminal information of the customer who has been authenticated by the member; Transmitting a predetermined payment authentication number to the communication terminal of the customer based on the extracted communication terminal information of the customer; Providing a payment verification page including a predetermined payment verification number input window to the customer terminal; Receiving a payment verification number input by the customer in a payment verification number input window; And performing a payment process when the received payment authentication number and the payment authentication number transmitted to the communication terminal of the customer match.

As described above, according to the present invention, the customer who wants to make a payment can reduce the trouble of having to input information for the payment directly at the time of payment by registering information for payment such as his or her card number in advance.

In addition, by processing the authentication using a text message of the mobile communication terminal, it is possible to perform the payment processing in various types of terminals that do not have ActiveX installed.

In addition, by providing an automatic login function between the user's payment request server and the payment processing server, it is possible to reduce the hassle of entering a login ID / password.When providing the automatic login function, the user logs in by using a security signature method. This can help people who have a hard time memorizing usernames and passwords.

1 is an overall configuration diagram of a payment processing system according to a first embodiment of the present invention,
2 is a functional block diagram of a payment processing agent server of FIG. 1,
3 to 5c are control and signal flow diagrams of a payment processing system according to a first embodiment of the present invention;
6 is a screen state for registering a safety signature,
7 is a screen state for inputting a safety signature in a pre-registered pattern,
8 is an overall configuration diagram of a payment processing system according to a second embodiment of the present invention,
9 is a functional block diagram of a payment processing agent server of FIG. 8,
10 is a control and signal flow diagram of a payment processing system according to a second embodiment of the present invention.

Hereinafter, the present invention will be described in detail with reference to the accompanying drawings.

As shown in FIG. 1, the payment processing system according to the first embodiment of the present invention includes a customer terminal 410, a customer communication terminal 420, a payment request server 200, a payment processing server 100, and a legacy. It is configured to include a payment processing server 300.

Here, the customer terminal 410 is, for example, a terminal operated by a customer who wants to pay for an order online and may correspond to, for example, a wired / wireless communication terminal 420 capable of home computer or web browsing. In this embodiment, however, the customer terminal 410 is a home computer in order to distinguish it from the communication terminal 420 of the customer to be described later.

The communication terminal 420 of the customer is configured to receive a payment authentication number generated in the payment processing according to the present embodiment, wherein the payment authentication number is in the form of a text message such as SMS (Short Message Service). May be received at the communication terminal 420.

The payment request server 200 is configured such that the customer terminal 410 connects, provides a product or service order page to the connected customer terminal 410, and performs a predetermined payment when an order request is received from the customer terminal 410. Creates a request message.

For example, the payment request server 200 may correspond to an online shopping mall or a social networking service company capable of purchasing a product. In this case, when a customer orders a product by operating a customer terminal 410, a payment progress request for payment is made. It generates a message and transmits it to the payment processing agent server 100.

Here, the service (sales service such as goods) provided by the payment request server 200 may be operated on a membership basis, and for this purpose, the payment request server 200 may be registered in advance by receiving membership subscriptions from customers. The process of receiving a membership may include, for example, receiving and storing personal information such as a name or an e-mail address of a customer or a phone number of a mobile communication terminal 420, a login ID and a password, and the like. The process of joining the customer as a member by accessing the server is only known, and thus a detailed description thereof will be omitted.

The payment progress request message is not necessarily transmitted directly from the payment request server 200 to the payment processing server 100, but may be transmitted to the payment processing server 100 via the customer terminal 410.

For example, the payment request server 200 when a web page is transmitted and received using the HyperText Markup Language (HTML) according to the HyperText Transfer Protocol (HTTP) between the payment request server 200 operating the online shopping mall and the customer terminal 410. ) Is processed by the customer terminal 410 using a hyperlink or a refresh method such as <meta http-equiv = "refresh" content = "1; url = http: //www.test.com/" />. The payment progress request message may be transmitted by the GET method while accessing the proxy server 100. That is, the payment progress request message may be indirectly transmitted to the payment processing agent server 100 by using a Uniform Resource Locator (URL).

By such refreshing, for example, allowing the client terminal 410 using the browser to access another server (URL) and including the predetermined information by the GET method are only known technologies. Is omitted.

This is the same when the payment processing server 100 transmits a specific message or signal to the payment request server 200.

Therefore, the communication between the payment request server 200 and the payment processing agent server 100 is used as a meaning including the case of indirect communication via the customer terminal 410 even if there is no description.

In the process of payment processing according to the product order, as described below, the client terminal 410 should include the step of accessing the payment processing server 100, the payment request server 200 is a customer (customer who ordered the goods, etc. The terminal 410 may perform a series of processes for avoiding the trouble of having to log in to the payment processing server 100 again and automatically logging in.

That is, the payment request server 200 requests and stores a consumer key to the payment processing agent server 100, and when receiving an order request from the customer terminal 410, processes the temporary token request signal including the stored consumer key. After transmitting to the proxy server 100 and receiving a temporary token from the payment processing agent server 100, the access token request signal including the received temporary token is transmitted to the payment processing agent server 100 (in this case As described above, the delivery may be directly delivered or delivered through the customer terminal 410), and when the access token generated by the payment processing server 100 is received, the received access token is stored, and the payment progress request message is received. Including an access token to be able to transmit to the payment processing agent server 100.

Here, the consumer key is a key issued by the payment processing server 100 to a target (ie, the payment request server 200) that allows the automatic login service to the customer, and the payment processing server 100 includes the consumer key. It only responds to temporary token requests and provides temporary tokens. The temporary token corresponds to a token that is temporarily issued before an access token corresponding to a key required for the automatic login is issued.

A more detailed description of this token will be described later with regard to the function of the payment processing agent server 100.

In the above example, the process of supporting automatic login using the access token has been described, but the automatic login is made through the sharing of the login ID and / password between the payment request server 200 and the payment processing server 100. You can also lose.

For example, the payment request server 200 stores the ID and password of the members in the payment processing server 100 of their members matched and stored, and if necessary, the ID in the matched payment processing server 100 And by passing the password to the payment processing agent server 100 may prevent the customer from entering the login ID, etc. directly from the payment processing agent server 100.

Meanwhile, the legacy payment processing server 300 is a server that performs a function of actually performing payment processing, for example, a card company server performing card payment, a banking server processing account transfer, and a mobile communication terminal 420 usage history. It may correspond to a telecommunication company server that integrates payment details, and an affiliate server that performs payment processing based on gift certificate information.

The legacy payment processing server 300 receives a payment customer authentication request signal received from the payment processing agent server 100, and uses a unique number of a specific customer included in the payment customer authentication request signal to communicate with the corresponding customer. (420) extracts information, and transmits the payment verification number to the extracted communication terminal 420 of the customer, and the payment verification number transmitted from the payment verification server received from the payment processing server 100 is identical. In accordance with the payment request signal from the payment processing agent server 100 performs a function to perform the payment processing.

In this case, the payment authentication number and the payment request signal may be received from the payment processing agent server 100 at the same time. That is, the legacy payment processing server 300 receives the payment verification number first and compares it with the previously transmitted payment verification number, and transmits the result to the payment processing server 100 and then the payment processing server 100. If the payment request signal is received from the), the payment process may be performed, but when the payment verification number and the payment request signal are simultaneously received from the payment processing agent server 100, the received payment verification number and the transmitted verification number are compared and compared. If the result matches, payment processing may be performed immediately according to the received payment request signal.

For such payment processing, the legacy payment processing server 300 receives payment information together with the unique number of the corresponding customer generated by the payment processing agent server 100 from the customer terminal 410, and receives the received payment information as the corresponding customer. It can be registered in advance by matching with its unique number. For example, the payment information may correspond to the card number of the customer in the case of card payment, and may correspond to the account number of the customer in the case of bank transfer payment.

The legacy payment processing server 300 may perform payment processing using the registered payment information, or may provide the request according to the request of the payment processing server 100.

Herein, the payment processing using the payment information means a process of, for example, performing a bank transfer process from the account number of the corresponding customer or performing a card payment process using the card number of the corresponding customer.

The unique number of the customer generated by the payment processing agent server 100 may be based on the social security number of the corresponding customer, and the legacy payment processing server 300 may store personal information matched with the social security number of each customer. . In this state, when the customer's unique number and the payment information registration request signal are received via the customer terminal 410, the payment processing agent server 100 determines the social security number using the received customer's unique number, It is possible to determine whether to permit the registration of the payment information by comparing the personal information of the customer matching the social security number and the received payment information.

For example, if the legacy payment processing server 300 is a card company server, and personal information matched to each customer's social security number is information about cards held by the customer, the card company server may identify the customer's unique number and payment information. When the registration request signal is received, the resident registration number of the customer requesting registration of the payment information is determined using the received customer's unique number (the unique number may be the resident registration number itself), and the determined resident registration number is determined. It is possible to determine whether to permit registration of the corresponding payment information by comparing the information of the cards of the corresponding customer and the received payment information (for example, a card number to be used for payment).

As such, when a unique number based on the resident registration number of the customer is used, there is an effect of preventing registration of a card not owned by the customer as a payment method.

The payment processing server 100 performs a kind of payment processing relay function between the payment request server 200 and the legacy payment processing server 300 and may be operated by receiving a subscription from each customer in advance.

In this case, the member ID may be an e-mail address used by each member. In this case, the payment processing server 100 extracts the corresponding customer ID when guiding information related to the payment, and then uses the corresponding customer ID as the destination address. I can send an email. In other words, there is no need to configure an ID and an e-mail address separately, thereby saving storage space.

The payment processing server 100 performs a member authentication process for the customer using the customer terminal 410 according to the payment progress request message generated by the payment request server 200, and responds to the customer whose member has been authenticated. It transmits a billing customer authentication request signal including a unique number to the legacy payment processing server 300, and provides a billing verification page including a billing verification number input window on the customer terminal 410, billing verification number by the customer The payment authentication number input in the input window is transmitted to the legacy payment processing server 300 and the payment request signal for requesting the payment processing to the legacy payment processing server 300.

Specific functions of the payment processing agent server 100 will be described with reference to the functional block diagram of FIG.

As shown in the figure, the payment processing server 100 is a member authentication processing unit 120, page providing unit 110, receiving unit 130, payment request preparation unit 140, payment request unit 150, guidance It may be configured to include a sending unit 160.

The receiver 130 performs a function of receiving various signals, messages, and the like from the customer terminal 410, the payment request server 200, the legacy payment processing server 300, and the like, in particular, in the payment request server 200. The generated signal or message may be received directly from the payment request server 200, but may be received via the customer terminal 410, that is, via the customer terminal 410.

The signal or message received by the receiving unit 130 includes a payment progress request message, a payment authentication number, a temporary token request signal, an access token request signal, an ID and password related to login, or a pattern for creating a member signature as described below, and a payment card. There is information, and more detailed description of each of these signals and messages will be given later.

The page providing unit 110 performs a function of providing a page for a customer to check or input specific information, such as a payment process or a membership registration process before, and the page providing unit 110 is a kind of web providing a web page. It may correspond to a server module.

In particular, the page providing unit 110 may transmit a payment page including a simple payment menu to the customer terminal 410 as a payment progress request message generated by the payment request server 200 is received. Here, the simple payment menu is to allow the user to select a payment process performed in the present embodiment. For example, the payment page may include a simple payment menu as well as a conventional method (for example, an active X must be installed or processed directly on the card). Card payment or mobile phone payment selection menu) may be further included. As the simple payment menu is selected by the customer, the payment processing process according to the present embodiment is performed, When a card payment or a mobile phone payment selection menu according to a conventional method is selected, an ISP payment or the like may be performed according to a conventional method.

Of course, when the customer accesses the payment processing agent server 100 in advance and sets the simple payment menu as a default, the simple payment processing process according to the present embodiment may be performed immediately without selecting the simple payment menu.

In addition, the page providing unit 110 may provide a payment verification page including a payment verification number input window to the terminal, where the payment verification number input window is provided by the legacy payment processing server 300 as described later. It refers to an input window for inputting a payment verification number (for example, payment verification SMS) transmitted to the terminal 420. Various input windows provided by the page providing unit 110 including the payment authentication number input window may be configured using, for example, a “Form” tag of html.

In addition, the page provider 110 may transmit a login page including a login ID input window and a password input window to the customer terminal 410. The login ID input window and the password input window are already sent to the payment processing agent server 100. This is the information entered by the customer registered as a member for authentication.

Instead of such a login ID input window, the page provider 110 may transmit a safety signature input page including a member signature to the customer terminal 410, where the safety signature input page is used by the customer instead of the login ID and password. This page allows you to enter your signature.

The only difference is that the secure signature entry page differs from entering the login ID and password, which already includes the customer's signature. For example, the customer can check his signature (member signature) image on the safety signature input page provided from the page providing unit 110, and use the confirmed signature image to create a member signature that has already been registered. You can create or enter a member signature to match the pattern). A more detailed description thereof will be made later with regard to the member authentication process.

The page providing unit 110 may also transmit a payment method selection page including a card payment menu to the customer terminal 410, and transmit a card selection page including information on at least a portion of a card held by the customer. Can also be sent).

These various selection pages may be distinguished from each other and may be transmitted to the customer terminal 410, or may be integrated into one page and transmitted to the customer terminal 410.

In addition, the page providing unit 110 may provide a page for registering a member to the customer terminal 410.

The member authentication processing unit 120 performs a function of performing member authentication processing for the customer using the customer terminal 410 according to the payment progress request message. Here, the member authentication processing unit 120 may perform member authentication processing based on the login ID and password using the customer terminal 410. At this time, after requesting the customer to log in (in this case, the page providing unit 110 is controlled by The login ID and password input page can be sent.) If the login ID and password are input from the customer, authentication can be performed by comparing with the preset member information. The page providing unit 110 may control to transmit a message for inducing membership and a membership registration page to the customer terminal 410.

In addition, the member authentication processing unit 120 may perform the automatic login processing by direct communication with the payment request server 200 or via the customer terminal 410 without performing authentication processing based on the login ID and password of the customer. have.

An example of a process in which an automatic login process is performed is as follows.

First, the member authentication processing unit 120 allocates the consumer key to the payment request server 200 according to a request from the payment request server 200, and then transmits the assigned consumer key to the payment request server 200. As such, the allocation of the consumer key to the payment request server 200 may be performed in advance before the payment progress request message is received from the payment request server 200. Here, the consumer key corresponds to an identification key for identifying the payment request server 200 having the authority to request automatic login as described above.

That is, the member authentication processor 120 may not support the automatic login function for the request of the payment request server 200 that does not have the consumer key.

Subsequently, when the temporary token request signal including the consumer key is received from the payment request server 200 at the receiving unit 130, the member authentication processing unit 120 may determine the corresponding payment request server based on the consumer key included in the temporary token request signal. After the server authentication process for 200) generates a temporary token and transmits the generated temporary token to the payment request server (200).

Here, the temporary token corresponds to a token temporarily assigned to issue an access token described later.

When the access token request signal including the temporary token is received by the reception unit 130, the member authentication processing unit 120 requests a login for the customer using the customer terminal 410 and determines that the login is normally performed. It may be generated and delivered to the payment request server 200.

Here, the access token request signal is transmitted to the payment processing agent server 100, and the access token is transmitted to the payment request server 200 may be made via the customer terminal 410. That is, the delivery via the customer terminal 410 may be performed by a combination of a refresh and a get method used in the hypertext transfer protocol (HTTP) as described above. 410 may transmit the access token request signal received from the payment request server 200 to the payment processing agent server 100, and transmit the access token received from the payment processing server 100 to the payment request server 200. have.

Accordingly, the payment progress request message of the payment request server 200 may include an issued access token, and the member authentication processing unit 120 performs an automatic login process based on the access token included in the payment progress request message. The member authentication process may be performed for the customer who uses 410.

For example, if a payment request server 200 issued with an access token for a specific customer is later required to process payment for the corresponding customer, a payment progress request message including an access token is generated and transmitted to the payment processing agent server 100. (As described above, it may be transmitted via the customer terminal 410), and accordingly, the payment processing agent server 100 can identify the customer who needs payment processing even if there is no login ID and password input by the customer. It is.

In this case, when the corresponding customer requiring payment processing is identified, the card number, etc. previously registered by the corresponding customer may be previously displayed as described below.

Of course, when the above-mentioned access token is issued for the first time, the member authentication processing unit 120 may immediately proceed with the payment processing for the corresponding customer without waiting for the request including the access token again from the payment request server 200. That is, in order for the access token to be issued for the first time, a login and password input must be made by the customer, and when the login is normally performed, the member authentication processing for the corresponding customer is made. The payment customer authentication request signal including the unique number corresponding to the legacy payment processing server 300 may be transmitted. A more detailed description of the payment process will be described later.

In addition, the member authentication processing unit 120 may apply a so-called safety signature to enhance the security of the automatic login described above.

That is, the member authentication processing unit 120 receives the member signature and the creation pattern information of the member signature from each member in advance, matches and stores each other, and the payment progress request message generated by the payment request server 200 is received by the receiving unit ( When received at 130, the page providing unit 110 is controlled such that a safety signature input page including a previously registered member signature is transmitted to the customer terminal 410 in response to the customer using the customer terminal 410.

After the member signature input pattern input by the customer is received from the customer terminal 410 to the receiving unit 130, the member authentication processing unit 120 writes the received member signature creation pattern and previously registered member signature creation pattern information. Compare and match members to perform member authentication process.

This safety signature is characterized by showing the customer a member signature registered in advance by the customer. This is generally a configuration using the fact that a login ID or password composed of a string or the like is not easy to remember, while a method or pattern of inputting (writing) a signature is easy to remember.

As an example, since the stroke order of writing characters differs from person to person, the member authentication process is performed based on the pattern of inputting the letters. To this end, as described above, the pattern of creating a member signature must be registered in advance in the payment processing agent server 100.

Member authentication processing performed in the member authentication processing unit 120 may be performed after the simple payment menu is selected by the customer.

On the other hand, the payment request preparation unit 140 performs the necessary matters before the payment request, and the legacy payment processing server (SMS) requesting the payment customer authentication request signal including a unique number for the customer authenticated by the member authentication processing unit 120 ( And transmits the payment authentication number received by the receiver 130 to the legacy payment processing server 300.

Here, the payment request preparation unit 140 may simultaneously transmit the payment verification number and the payment request signal to the legacy payment processing server 300.

The unique number corresponding to each customer transmitted by the payment request preparation unit 140 directly to the legacy payment processing server 300 or via the customer terminal 410 may be based on the social security number of the corresponding customer. That is, between the payment processing agent server 100 and the legacy payment processing server 300 to identify or identify the customer, that is, to send and receive a customer unique number corresponding to a kind of identification ID, where the unique number of the customer It may be based on your social security number. Based on the customer's social security number includes both using the customer's social security number itself or using a predetermined encryption process for the customer's social security number.

The customer's unique number is not necessarily made of a specific number, but may be configured in various ways such as a letter or a combination of letters and numbers.

The payment request unit 150 performs a function of requesting the processing of the payment to the actual legacy payment processing server 300. Specifically, the payment request signal 150 includes the payment request signal including the payment details included in the payment progress request message. It performs the function of transmitting to the processing server (300).

In this case, the payment request unit 150 may directly transmit a payment request signal to the legacy payment processing server 300, but may also transmit the payment request signal to the legacy payment processing server 300 through a predetermined payment agent server. Here, the payment agent server may correspond to, for example, a conventional payment gateway (PG) company that processes card payments and the like online.

On the other hand, the information sending unit 160 is a configuration necessary on the assumption that each member's login ID is composed of the member's e-mail address, and extracts the customer's ID when guiding information related to the payment and then the customer's ID Send an e-mail addressed to the destination address.

That is, even if the e-mail address for the customer is not stored separately, since the customer's ID itself corresponds to the e-mail address, the guide sending unit 160 extracts and uses the customer's ID when guiding payment related information. It is.

For example, when the result of the payment processing is received by the reception unit 130 from the legacy payment processing server 300, the guide sending unit 160 may perform guide processing related to the payment processing.

Hereinafter, the control and signal flow of the payment processing system according to the first embodiment of the present invention will be described with reference to FIGS. 3 to 6.

In describing the present embodiment, the legacy payment processing server 300 is a card company server, a process of making a card payment through a so-called simple payment according to the customer's choice as an example.

First, a process of registering each customer with the payment processing agent server 100 and the card company server in order to use the simple payment function according to the present embodiment will be described with reference to FIG. 3.

Here, the customer terminal 410, which is operated by customers for registration as a member or registration of a payment card, is not necessarily the same terminal as the customer terminal 410 used by the customer at the time of ordering or payment of goods, but for convenience of explanation. Assume that it is the same terminal.

When the customer terminal 410 requests membership in the payment processing account server (step S1), the payment processing account server transmits a page for membership registration to the customer terminal 410 (step S2).

When the customer terminal 410 transmits the member information input by the customer on the member registration page to the payment processing account server (step S3), the payment processing account server stores / registers the member information (step S4).

Here, the member information registered in the payment processing agent server 100 may include the member's name, social security number, and e-mail address, and further, may include a member signature and signature creation pattern for login ID, password, or security signature. have. The login ID may correspond to the e-mail address of the member. This has the advantage of reducing the amount of data that is stored.

Subsequently, the payment processing agent server 100 generates a member unique number for the member registered as a member (step S5). At this time, the member unique number may be generated based on the member's social security number.

The payment processing agent server 100 transmits a card registration request signal including the generated member unique number to the card company server via the customer terminal 410 (step S6).

Here, going through the customer terminal 410 means that the customer card registration request signal is transmitted to the card company server 300 via the customer terminal 410 in a state in which the customer is not aware. As described above, as an example, a predetermined delivery request signal including a customer card registration request signal is transmitted from the payment processing agent server 100 to the customer terminal 410 (using a refresh grammar, GET method, etc.), and accordingly The customer terminal 410 transmits a card registration request signal to the card company server 300.

The card company server transmits the payment card registration page to the customer terminal 410 (step S7) so that the customer can input the payment card information (for example, the card number).

When the customer terminal 410 transmits the payment card information input by the customer (step S8), the card company server determines whether to permit the payment card registration (step S9).

For example, when the card company server already stores the customer's social security number and the information of the cards issued to the customer, and the member unique number included in the card registration request is generated based on the member's social security number, the card company server The social security number can be extracted from the member's unique number, and it is possible to determine whether to permit the payment card registration based on the extracted social security number. That is, if the card information that the customer requests for registration for payment is one of the cards issued by matching the confirmed social security number, payment card registration may be allowed. You may not allow it.

This has the effect of preventing the card that is not issued to him to register as a card for payment.

The card company server stores and registers the payment card information when the payment card registration is permitted (step S10), and transmits the payment card registration result to the payment processing agent server 100 via the customer terminal 410 (step S11). ). Here, when registering the payment card can be registered by matching the member's unique number received from the payment processing agent server 100, the payment card registration result of the information of the card registered as a payment card (for example, part of the card number , Card aliases) and the member's unique number.

The payment processing agent server 100 matches the corresponding member according to the received payment card registration result, stores the card information (step S12), and transmits the membership registration result to the customer terminal 410 (step S13).

Accordingly, the payment processing agent server 100 may store some information (part of the card number) of the card which each member can pay through simple payment. Of course, if the member and the card company consent to the card information, the payment processing agent server 100 may be stored in the entire card number of the payment card, of course.

The member registration and card registration process may be performed in advance, but the customer who does not register in the payment processing process to be described later may go through the above-described process to enable membership registration and card registration.

Hereinafter, a process of making a simple payment according to the present invention will be described with reference to FIG. 4. In the description of this embodiment, the process of providing a product search and order page provided by the payment request server 200 to the customer terminal 410 is not different from the process performed in the conventional online shopping mall, and thus description thereof will be omitted. Assume that the user logs in to the payment request server 200 as a member through the customer terminal 410.

When the customer terminal 410 requests a product order according to the customer's operation (step S21), the payment request server 200 generates a payment progress request message and the generated payment progress request message is transmitted via the customer terminal 410. It is to be delivered to the payment processing agent server 100 (step S22). In this case, the payment progress request message may include payment related information such as payment amount, payment place, item seller (card merchant) information, and may further include an access token to enable automatic login.

The payment processing server 100 transmits a payment page including a simple payment menu to the customer terminal 410 (step S23), and requests a simple payment from the customer terminal 410 (step S24). Process (step S25). Of course, as described above (see FIG. 3), if the user has not already registered as a member for simple payment processing, the member registration may be processed first.

The process of processing the customer authentication may be performed by a general method of allowing the customer to directly enter the login ID and password registered in the process of FIG. 3, or to automatically log in even if the user does not directly enter the login ID and password. It may also be carried out in a way. The process of the customer authentication process by automatic login will be described later with reference to FIG. 5.

After the customer authentication process is performed, the payment processing agent server 100 transmits a payment method selection page including a card payment menu to the customer terminal 410 (step S26).

When the customer requests a card payment (step S27), the payment processing agent server 100 transmits a payment customer authentication request signal to the card company server (step S28). Also, the customer terminal 410 has a card selection and payment verification number input window. The included page is transmitted (step S29). Here, the payment verification page including the card selection page and the payment verification number input window may be integrated into one or separated and transmitted. Similarly, the card selection page and the payment authentication page may be integrated with the payment method selection page described above and transmitted to the customer terminal 410.

The card selection page may include information (part of the card number) of cards that are pre-registered as a payment card in the form of a selectable list in response to the corresponding authenticated customer.

The payment processing agent server 100 transmits a payment customer authentication request signal to the card company server, for example, a request from the customer terminal 410, for example, a customer requests the payment processing agent server 100 to send a payment authentication number. Of course, the case may be made.

The payment customer authentication request signal transmitted from the payment processing server 100 to the card company server may include a unique number (corresponding to a member unique number in FIG. 3) of the corresponding customer confirmed through the customer authentication process.

The card company server generates a payment authentication number according to the payment customer authentication request signal of the payment processing agent server 100 (step S30), and transmits the generated payment authentication number to the communication terminal 420 of the customer (step S31). .

Here, the card company server may extract the telephone number of the communication terminal 420 of the customer based on the received payment customer authentication request signal (that is, the communication terminal matched with the unique number of the customer included in the payment customer authentication request signal) 420) The phone number can be retrieved from a pre-stored database and the like).

As another example, when the customer inputs his / her communication terminal 420 phone number to the payment processing agent server 100, the payment processing server 100 transmits the input communication terminal 420 phone number to the payment customer authentication request signal. The card company server may transmit the payment verification number using the communication terminal 420 phone number included in the payment customer authentication request signal. This has the advantage that the customer can change the telephone number of the communication terminal 420 to receive the payment verification number at the time of payment.

The customer who received the payment verification number through his communication terminal 420 enters the received payment verification number into the payment verification number input window of the payment verification page received from the payment processing agent server 100 and transmits it ( Step S32). In this case, the customer may select a payment card to be paid from the payment card list. The selection of the payment card and the input of the payment authentication number may be performed on one page or a separate page.

The payment processing server 100 displays the selected card identification information received from the customer terminal 410 (for example, a part of the card number or an arbitrary number for determining the card in the card company server) and the payment authentication number. (Step S33).

The card company server, if the payment authentication number received from the payment processing agent server 100 and the payment authentication number previously transmitted to the communication terminal 420 of the customer match (step S34), the detailed information of the card selected by the customer (card The entire number, validity period, etc.) are transmitted to the payment processing agent server 100 (step S35).

Accordingly, the payment processing agent server 100 transmits a card payment request signal to the card company server via the PG company (step S) 36, and the card company server performs the payment processing for the corresponding card (step S37).

Of course, since the payment processing agent server 100 and the card company server can directly communicate with each other, the payment processing server 100 may request payment processing from the card company server directly without passing through the PG company.

Furthermore, when not via the PG company, the payment processing agent server 100 may make a payment request at the same time when transmitting the payment authentication number and the card outline information selected by the customer to the card company server. In this case, if the received payment verification number and the transmitted payment verification number match, the card company server may perform the payment process immediately without the need to transmit the detailed card information to the payment processing agent server 100.

Hereinafter, a process of automatically logging in the payment request server 200 as described above will be described with reference to FIGS. 5A to 5C.

5A illustrates a process in which the payment request server 200 registers as a consumer in the server for payment processing.

That is, when the payment request server 200 transmits the consumer key request signal to the payment processing agent server 100 (step S41), the payment processing server 100 generates a consumer corresponding to the corresponding payment request server 200. Generate and register (step S42), and transmit the generated consumer key to payment request server 200 (step S43).

Accordingly, the consumer key is stored in the payment request server 200 (step S44).

In this case, the consumer key is used to identify the payment request server 200 that enables the payment processing server 100 to automatically log in as described below. In order to perform the automatic login, the payment request server 200 may be configured in advance. The consumer key must be allocated from the payment processing agent server 100.

Next, referring to FIG. 5B, a process in which the payment request server 200 receives an access token required for actual automatic login will be described. That is, in order to omit the user's login process (login eye and password input process), a specific key, that is, an access token, is required to replace the user. FIG. 5B illustrates an example of a process in which the access token is issued.

When there is a simple payment request from the customer terminal 410 (step S51), the payment request server 200 transmits a temporary token request signal including the consumer key stored through the process of FIG. 5A to the payment processing server 100. (Step S52). Of course, the temporary token request may be transmitted at a time when a payment progress request message generated in the payment request is received via the customer terminal 410.

The payment processing agent server 100 performs a server authentication process using the consumer key included in the received temporary token request signal (step S53). Here, the server authentication processing may be referred to as a process of checking whether the payment request server 200 has a legitimate authority for requesting issuance of a temporary token, and if a consumer key included in the temporary token request signal is already registered, the payment processing agent The server 100 may recognize the authority of the payment request server 200.

Of course, the payment processing server 100 may perform a server authentication process using all the information (for example, the company name) on the payment request server 200 transmitted with the consumer key.

After the authentication process is normally performed, the payment processing agent server 100 generates and stores a temporary token corresponding to the corresponding payment request server 200 (step S54), and transmits the temporary token to the payment request server 200. (Step S55).

If the payment request server 200 transmits an access token request signal including the temporary token received from the payment processing agent server 100 to the payment processing agent server 100 via the customer terminal 410 (step S56), The payment processing agent server 100 transmits a login page to the customer terminal 410 (step S57).

When the login ID and password are received from the customer terminal 410 (step S58), the payment processing agent server 100 compares the previously registered login ID and password with the received login ID and password and performs authentication processing (step S59).

If authentication is normally performed, the payment processing agent server 100 generates and stores the access token (step S60), and transmits the generated access token to the payment request server 200 via the customer terminal 410 (step S61). In this case, the access token may be stored in match with the login ID or unique number of the corresponding customer.

Accordingly, the payment request server 200 stores the access token to perform the automatic login (step S62). A process of performing automatic login using the access token will be described later with reference to FIG. 5C.

As described above, when authentication is normally performed to generate an access token, the payment processing agent server 100 may proceed with a simple payment process such as transmitting a payment method selection page to the customer terminal 410 as shown in FIG. 4. have.

In other words, when the customer authentication processing is performed for the first time, the payment processing server 100 may simply proceed with the simple payment processing without waiting for a separate access token for automatic login. You can proceed with the simple payment process by performing the automatic login.

Hereinafter, a process of automatic login using an access token will be described with reference to FIG. 5C. In addition, this embodiment will be described including a process of making a safety signature as an additional supplementary measure at the time of automatic login.

The customer terminal 410 (the customer terminal 410 here also need not necessarily be the same device as the customer terminal 410 that orders the goods and requests payment processing) for the security signature on the payment processing server 100 The member signature and creation pattern are transmitted to request registration (step S71).

The payment processing agent server 100 registers the member signature and its creation pattern by matching the information (for example, the unique number or login ID of the customer) of the customer using the corresponding customer terminal 410 (step S73).

Here, the member signature may correspond to a user's signature, and the writing pattern may correspond to an order of writing the signature.

For example, FIG. 6 illustrates an example in which a member signature is input.

For example, suppose that the customer inputs through the touch screen. When a member signature is drawn through the touch trajectory on the touch screen on which the number is displayed as shown in FIG. 6 (a), the customer terminal 410 may display the member signature image and the touch trajectory. The signature creation pattern is transmitted to the payment processing agent server 100.

That is, assuming that the member signature and the touch trajectory are made as shown in FIG. 6 (b), the customer terminal 410 has numbers according to the trajectory order, that is, 1,2,3,5,7,8,9. , # Is transmitted to the payment processing agent server 100 as the preparation pattern information.

If the customer touches the signature shown in FIG. 6 (b) in the opposite direction, the customer terminal 410 transmits the pattern information #, 9, 8, 7, 5, 3, 2, 1 to the payment processing agent server ( 100). In other words, even if the signature is the same, if the user writes the signature in a different order, the creation pattern may appear in various forms.

On the other hand, when the customer terminal 410 orders the product to the payment request server 200 (step S72), the payment request server 200 may transmit a payment progress request message including a pre-stored access token in response to the corresponding customer. The transmission is made to the payment processing agent server 100 via 410 (step S74).

The payment processing agent server 100 extracts a registered member signature corresponding to the corresponding customer by using the access token included in the payment progress request message, and extracts the extracted member signature (for example, may be configured as an image). A type of safety signature input page including a is transmitted to the customer terminal 410 (step S75).

The customer terminal 410 displays the received member signature as shown in FIG. 7 (b) on the touch screen displayed as shown in FIG. 7 (a) (step S76), and the customer signs the member signature displayed on the customer terminal 410. While confirming, he / she remembers and inputs a member signature according to the creation method, and the customer terminal 410 transmits the pattern information created by the customer to the payment processing agent server 100 (step S77).

For example, when a customer writes (enters) a member signature in the order shown in FIG. 7 (c), the customer terminal 410 pays 1,2,3,5,7,8,9, # according to the touch order. It transfers to the processing agent server 100.

The payment processing agent server 100 compares the received signature creation pattern with the pre-registered signature creation pattern and performs automatic login processing when matching (step S78) (step S79). In this case, the automatic login means that the member is logged in even if the user does not enter the ID and password. The user only needs to enter the safety signature for verification.

Therefore, customers do not need to remember the signatures themselves registered, they only need to remember how to create the signature or the signature stroke order, while viewing the signature displayed on the customer terminal 410.

In general, considering the high persistence of the pattern for creating a signature rather than the login ID or password, such a secure signature method has the effect of maximizing user convenience by replacing the login ID and password. Can be represented.

In FIGS. 3 to 6, the legacy payment processing server 300 is a card company server. However, the legacy payment processing server 300 may correspond to a financial server that performs an account transfer.

In this case, the card number registered in advance by the customer may be replaced with the account number, and the payment process performed by the legacy payment processing server 300 may correspond to a bank transfer process. In this case, the information transmitted by the payment request server 200 to the payment processing agent server 100 for the progress of the payment may include an account number of the payment request server 200 (for example, a product seller) to receive the transfer. have.

In the above-described example, the customer writes (inputs) the signature using the touch screen as an example, but it is of course possible to press the number buttons of the separate numeric keypad according to the signature writing pattern.

In the above example, the payment processing agent server 100 and the legacy payment processing server 300 is an example of an independent server operated by a separate institution, but the payment processing agent server 100 and the payment processing server in one institution It may be an integrated server, and in hardware, each server function may be implemented in one server.

Furthermore, the payment processing agent server 100 and the card company server may be logically integrated, which will be described below with reference to FIG. 8.

That is, in the payment processing system according to the second embodiment of the present invention, as shown in FIG. 8, the customer terminal 410, the communication terminal 420 of the customer, the payment request server 200, and the payment processing server 100 ′ It is configured to include).

Here, since the customer terminal 410, the customer communication terminal 420, and the payment request server 200 are the same as the configuration and function of the first embodiment, duplicate description thereof will be omitted.

The payment processing server 100 'performs member authentication processing for the customer using the customer terminal 410 according to the payment progress request message generated by the payment request server 200, and communicates with the customer authenticated member. The terminal 420 extracts information and transmits the payment verification number to the communication terminal 420 of the corresponding customer based on the extracted information, and provides the payment verification page including the payment verification number input window to the customer terminal 410. If the payment authentication number entered in the payment authentication number input window by the customer and the payment authentication number transmitted to the communication terminal 420 match, payment processing is performed.

The functional block of the payment processing agent server 100 ′ is as shown in FIG. 9.

That is, the payment processing agent server 100 'according to the second embodiment of the present invention is a member authentication processing unit 120', customer information extraction unit 170 ', payment preparation unit 140', page providing unit 110 '), The payment processing unit 150', the guide sending unit 160 '.

Here, the functions of the member authentication processing unit 120 ', the page providing unit 110', the receiving unit 130 ', and the guide sending unit 160' are the same as those mentioned in the first embodiment of the present invention. Is omitted.

The customer information extracting unit 170 ′ performs a function of extracting information of the communication terminal 420 of the customer who has been authenticated as a member. The information of the communication terminal 420 of the customer extracted here may correspond to the phone number of the communication terminal 420, the phone number of the customer communication terminal 420 may be pre-stored, or modified by the customer in connection with the payment Or received by a new input.

The payment preparation unit 140 ′ generates a payment authentication number and uses the customer's communication terminal 420 information (eg, a phone number) extracted from the customer information extracting unit 170 ′, the communication terminal 420 of the customer. Send the payment verification number.

If the payment processing unit 150 'is identical to the payment authentication number received from the customer terminal 410 to the receiver 130' and the payment authentication number transmitted by the payment preparation unit 140 'to the customer's communication terminal 420, Perform payment processing. The payment processing is the same as the payment processing performed by the legacy payment processing server 300 in the first embodiment.

The signal flow and control process according to the second embodiment of the present invention is as shown in Figure 10, most of the process is similar to the previous embodiment, the payment processing agent server (100 ') direct payment authentication number customer Differences are shown in only a few parts, such as a process of transmitting to the communication terminal 420 and a process of directly performing a payment process, and thus the detailed description thereof will be omitted.

The configuration according to the second embodiment of the present invention can be applied to perform a mobile phone payment or gift certificate payment, etc. during simple payment. For example, if the payment processing server (100 ') is provided in the mobile carrier, and the user selects the mobile phone payment during easy payment, the payment processing server (100') is added to the mobile phone call charges of the customer to process the payment. It can be done.

In addition, all of the configurations applicable to the second embodiment among the parts mentioned in the first embodiment of the present invention are included in the second embodiment of the present invention. In particular, the automatic login configuration, the security signature configuration, and the configuration of configuring the customer's unique number using the social security number mentioned in the first embodiment can all be applied to the second embodiment.

In the above embodiments, when the customer selects the simple payment menu and then selects a card payment or a mobile phone payment request, the payment processing to the means according to the request is performed, but the user's real-time selection process It can also increase user convenience.

For example, when the customer connects to the payment processing agent server 100 in advance and selects the simple payment, the customer may be set to automatically settle the card using the designated card.

That is, until there is an explicit setting change, the payment processing server 100 automatically provides a card using a predetermined card without providing a page for selecting a mobile phone payment or a card payment to the customer when the customer selects the simple payment. Payment can be made. After the payment is processed, the payment processing server 100 or the legacy payment processing server 300 simply informs the customer of the result of the payment. The means made can be confirmed through the payment result.

Furthermore, even simple payments can be left at their default values.

That is, in the above-described embodiments, the payment processing agent server 100 may select a payment method (that is, select simple payment or card payment according to a conventional method) when a payment progress request message is received. Page)), but if the payment is required, the payment can be made unconditionally unconditional.

For example, when each customer accesses the payment processing agent server 100 and sets the payment processing unconditionally to perform the simple payment process, the payment processing agent server 100 receives the payment progress request message from the customer terminal 410. ) Is to immediately perform a simple payment process according to the present invention without providing a payment page.

In this case, each customer may omit all of the direct selection process while the payment process is in progress, so that a quick payment process can be made and user convenience is increased.

Alternatively, specific conditions may be added by the customer regarding the above-described payment method and payment method.

For example, when the customer accesses the payment processing server 100 and the payment amount is less than a certain amount, the customer automatically processes the payment using simple payment. If the payment amount is more than that, the payment method or payment is made. It may be set to provide a page for selecting a means.

When this is set, the payment processing agent server 100 does not provide a payment page to the customer terminal 410 when the payment amount included in the payment progress request message is greater than the reference amount, so that the simple payment processing is automatically performed, and the payment amount is If the threshold is exceeded, the payment page or the payment method selection page may be provided to the customer terminal 410.

While the present invention has been particularly shown and described with reference to exemplary embodiments thereof, it is to be understood that the invention is not limited to the disclosed exemplary embodiments, but, on the contrary, is intended to cover various modifications and equivalent arrangements included within the spirit and scope of the invention. It is to be understood that such variations and modifications are intended to be included in the scope of the appended claims.

100,100 ': payment processing server 200: payment request server
300: legacy payment processing server 410: customer terminal
420: customer communication terminal 500: Internet network
600: mobile communication network 110,110 ': page provider
120,120 ': member authentication processing unit 130,130': receiving unit
140: payment request preparation unit 150: payment request unit
160,160 ': guide dispatching 140': payment preparation
150 ': payment processing unit 170': customer information extraction unit

Claims (86)

delete delete delete delete A payment request server for providing a product or service order page to a customer terminal and generating a predetermined payment progress request message when an order request is received from the customer terminal;
As a payment progress request message generated by the payment request server is received, a member authentication process is performed for a customer using the customer terminal, and a payment customer authentication request including a unique number corresponding to the customer authenticated member is processed. In addition to transmitting a signal to the legacy payment processing server, provides a payment verification page including a payment verification number input window to the customer terminal, a payment verification number and a predetermined payment request signal input by the customer in the payment verification number input window A payment processing agent server for transmitting the legacy payment processing server to the legacy payment processing server;
Extracts communication terminal information of the corresponding customer using a unique number corresponding to the customer included in the payment customer authentication request signal received from the payment processing agent server, and transmits a predetermined payment authentication number to the extracted customer communication terminal. And a legacy payment processing server that performs payment processing according to a payment request signal of the payment processing agent server when the transmitted payment authentication number and the payment authentication number received from the payment processing agent server match.
The payment processing agent server performs an automatic login process for the customer using the customer terminal by at least one of direct communication with the payment request server and indirect communication via the customer terminal. system. The method of claim 5,
The payment processing agent server matches and stores a member signature and creation pattern information of the member signature for each member, and corresponds to a customer who uses the customer terminal according to a payment progress request message generated by the payment request server. And transmits a security signature input page including a pre-registered member signature to the customer terminal, and when the pattern of writing the member signature input by the customer is received from the customer terminal. And comparing the creation pattern information of the registered member signature and performing a member authentication process with respect to the customer. A payment request server for providing a product or service order page to a customer terminal and generating a predetermined payment progress request message when an order request is received from the customer terminal;
As a payment progress request message generated by the payment request server is received, a member authentication process is performed for a customer using the customer terminal, and a payment customer authentication request including a unique number corresponding to the customer authenticated member is processed. In addition to transmitting a signal to the legacy payment processing server, provides a payment verification page including a payment verification number input window to the customer terminal, a payment verification number and a predetermined payment request signal input by the customer in the payment verification number input window A payment processing agent server for transmitting the legacy payment processing server to the legacy payment processing server;
Extracts communication terminal information of the corresponding customer using a unique number corresponding to the customer included in the payment customer authentication request signal received from the payment processing agent server, and transmits a predetermined payment authentication number to the extracted customer communication terminal. And a legacy payment processing server that performs payment processing according to a payment request signal of the payment processing agent server when the transmitted payment authentication number and the payment authentication number received from the payment processing agent server match.
The payment request server requests and stores a consumer key in the payment processing agent server, and when receiving an order request from the customer terminal, transmits a temporary token request signal including the stored consumer key to the payment processing agent server. When a temporary token is received from a payment processing agent server, an access token request signal including the received temporary token is transmitted to the payment processing agent server, and when the access token generated by the payment processing agent server is received, the received token is received. Save the access token,
The payment processing agent server allocates a consumer key to the payment request server according to a request from the payment request server, and then transmits the assigned consumer key to the payment request server, and sends the temporary token request signal from the payment request server. Is received, the server authenticates the payment request server based on the consumer key included in the temporary token request signal, generates a temporary token, transmits the generated temporary token to the payment request server, and sends the temporary token. When the access token request signal comprising a request for a login to the customer using the customer terminal payment processing system, characterized in that to generate an access token to be delivered to the payment request server when the login is normally performed. The method of claim 7, wherein
The payment request server generates a payment progress request message including the access token,
When the payment processing request server generated by the payment request server receives the payment processing request message, the payment processing agent server performs an automatic login process based on the access token included in the payment processing request message to register a member to the customer who uses the customer terminal. Payment processing system, characterized in that for performing the authentication process. The method of claim 7, wherein
The payment processing agent server requests the customer who uses the customer terminal to log in, and if the login is normally performed and the member authentication process is performed for the customer, the payment processing agent authentication request signal including a unique number corresponding to the member authenticated customer is received. The payment processing system, characterized in that for transmitting to the legacy payment processing server. delete delete delete delete delete delete delete delete delete delete delete delete delete delete delete (a) a payment request server providing a product or service order page to a customer terminal and generating a predetermined payment progress request message when an order request is received from the customer terminal;
(b) As the payment processing server receives the payment progress request message generated by the payment request server, a member authentication process is performed for the customer using the customer terminal, and the uniqueness corresponding to the customer authenticated customer is performed. Transmitting a payment customer authentication request signal including a number to a legacy payment processing server and providing a payment verification page including a payment verification number input window to the customer terminal;
(c) the legacy payment processing server extracts communication terminal information of the corresponding customer by using a unique number corresponding to the customer included in the payment customer authentication request signal received from the payment processing agent server, and extracts the extracted information. Transmitting a predetermined payment authentication number to a communication terminal of a corresponding customer based on the;
(d) transmitting, by the payment processing agent server, a payment authentication number received by the customer in a payment authentication number input window to the legacy payment processing server;
(e) the legacy payment processing server performing the payment processing according to the payment request signal from the payment processing agent server when the payment verification number transmitted from the payment verification server is identical with the payment verification number. and,
In the step (b), the payment processing agent server performs an automatic login process for the customer using the customer terminal by at least one of direct communication with the payment request server and indirect communication via the customer terminal. Control method of a payment processing system characterized in that. 26. The method of claim 25,
The payment processing agent server further comprises matching and storing the member signature and the creation pattern information of the member signature for each member,
In the step (b), (b1) the security signature including the member signature registered in advance corresponding to the customer using the customer terminal according to the payment progress request message generated by the payment processing server; Transmitting an input page to the customer terminal; (b2) when the writing pattern of the member signature input by the customer is received from the customer terminal, comparing the writing pattern information of the received member signature with the writing pattern information of the previously registered member signature and matching the same with respect to the customer. And a step of performing a member authentication process. (a) a payment request server providing a product or service order page to a customer terminal and generating a predetermined payment progress request message when an order request is received from the customer terminal;
(b) As the payment processing server receives the payment progress request message generated by the payment request server, a member authentication process is performed for the customer using the customer terminal, and the uniqueness corresponding to the customer authenticated customer is performed. Transmitting a payment customer authentication request signal including a number to a legacy payment processing server and providing a payment verification page including a payment verification number input window to the customer terminal;
(c) the legacy payment processing server extracts communication terminal information of the corresponding customer by using a unique number corresponding to the customer included in the payment customer authentication request signal received from the payment processing agent server, and extracts the extracted information. Transmitting a predetermined payment authentication number to a communication terminal of a corresponding customer based on the;
(d) transmitting, by the payment processing agent server, a payment authentication number received by the customer in a payment authentication number input window to the legacy payment processing server;
(e) performing a payment process according to a payment request signal from the payment processing agent server when the legacy payment processing server matches the payment authentication number received from the payment processing agent server;
(g) the payment request server requesting a consumer key from the payment processing agent server;
(h) the payment processing agent server assigning a consumer key to the payment request server according to a request of the payment request server, and then transmitting the assigned consumer key to the payment request server;
(i) the payment request server storing the consumer key received from the payment processing agent server and transmitting a temporary token request signal including the stored consumer key to the payment processing agent server when an order request is received from the customer terminal. Steps;
(j) When the payment processing agent server receives the temporary token request signal from the payment request server, generates a temporary token after performing member authentication on the payment request server based on the consumer key included in the temporary token request signal. Transmitting the generated temporary token to the payment request server;
(k) allowing the payment request server to transmit an access token request signal including the received temporary token to the payment processing agent server when the temporary token is received from the payment processing agent server;
(l) When the payment processing agent server receives an access token request signal including the temporary token, requests a login for a customer using the client terminal, and generates an access token when the login is normally performed. The control method of the payment processing system, characterized in that it comprises the step of being delivered. 28. The method of claim 27,
(m) generating, by the payment request server, a payment progress request message including the access token;
(n) when the payment processing request server receives the payment progress request message generated by the payment request server via the customer terminal, performs an automatic login process based on an access token included in the payment progress request message; And performing a member authentication process for the customer using the customer terminal. 28. The method of claim 27,
In the step (l), if the user who uses the customer terminal requests a login and the login is normally performed and the member authentication process is performed for the customer, the payment customer authentication request signal including a unique number corresponding to the customer authenticated member is processed. The control method of the payment processing system further comprising the step of transmitting to the legacy payment processing server. delete delete delete delete delete delete delete delete delete delete delete delete delete A payment processing agent server that receives a predetermined payment progress request message from a customer terminal or a payment request terminal that provides a product or service order page to the customer terminal, and communicates with a predetermined legacy payment processing server.
A member authentication processing unit which performs member authentication processing on a customer who uses the customer terminal when the payment progress request message is received;
A page providing unit for providing a payment verification page including a predetermined payment verification number input window to the customer terminal;
A receiving unit receiving a payment authentication number input by the customer in a payment authentication number input window;
A payment request preparation unit for transmitting a payment customer authentication request signal including a unique number for the customer authenticated by the member authentication processor and a payment authentication number received in the receiver to the legacy payment processing server;
A payment request unit for transmitting a payment request signal including a payment history included in the payment progress request message to the legacy payment processing server;
The member authentication processing unit performs an automatic login process for the customer using the customer terminal by at least one of direct communication with the payment request server and indirect communication via the customer terminal. server. 44. The method of claim 43,
The member authentication processing unit matches and stores a member signature and creation pattern information of the member signature for each member, and uses the customer terminal as a payment progress request message generated by the payment request server is received in the receiving unit. The page providing unit controls the page providing unit to transmit a security signature input page including a member signature registered in advance to the customer terminal to the customer terminal, and a writing pattern of the member signature input by the customer is received from the customer terminal. And when received, compares the received member signature creation pattern with previously registered member signature creation pattern information and performs a member authentication process for the customer. A payment processing agent server that receives a predetermined payment progress request message from a customer terminal or a payment request terminal that provides a product or service order page to the customer terminal, and communicates with a predetermined legacy payment processing server.
A member authentication processing unit which performs member authentication processing on a customer who uses the customer terminal when the payment progress request message is received;
A page providing unit for providing a payment verification page including a predetermined payment verification number input window to the customer terminal;
A receiving unit receiving a payment authentication number input by the customer in a payment authentication number input window;
A payment request preparation unit for transmitting a payment customer authentication request signal including a unique number for the customer authenticated by the member authentication processor and a payment authentication number received in the receiver to the legacy payment processing server;
A payment request unit for transmitting a payment request signal including a payment history included in the payment progress request message to the legacy payment processing server;
The member authentication processing unit allocates a consumer key to the payment request server according to a request from the payment request server, and then transmits the assigned consumer key to the payment request server, and a temporary token request signal from the payment request server When received by the receiving unit, the server authenticates the payment request server based on the consumer key included in the temporary token request signal, generates a temporary token, and transmits the generated temporary token to the payment request server. When an access token request signal including a token is received in the receiving unit, request to log in to the customer using the customer terminal to generate an access token to be delivered to the payment request server when it is determined that the login is normally performed. Payment processing agent server. The method of claim 45,
The payment progress request message of the payment request server includes the access token,
When the member authentication processing unit receives a payment progress request message of the payment request server, the member authentication is performed on the customer who uses the customer terminal by performing an automatic login process based on the access token included in the payment progress request message. The payment processing agent server, characterized in that to perform the processing. The method of claim 45,
If the member authentication processing unit requests the customer to use the customer terminal to log in and then the login is normally performed, and the member authentication processing is performed for the customer, the payment request preparation unit includes a unique number corresponding to the customer authenticated customer. The payment processing agent server, characterized in that for transmitting a customer authentication request signal to the legacy payment processing server. delete delete delete delete delete delete delete delete delete delete delete delete In the control method of the payment processing agent server that receives a predetermined payment progress request message from a customer request terminal or a payment request terminal that provides a product or service order page to the customer terminal, and communicates with a predetermined legacy payment processing server,
(a) performing a member authentication process for a customer using the customer terminal when the payment progress request message is received;
(b) providing a payment verification page including a predetermined payment verification number input window to the customer terminal, and transmitting a billing customer authentication request signal including a unique number for the member-authenticated customer to the legacy payment processing server; Steps;
(c) receiving a payment verification number input by the customer in a payment verification number input window;
(d) transmitting the received payment verification number to the legacy payment processing server, and transmitting a payment request signal including the payment details included in the payment progress request message to the legacy payment processing server;
During the member authentication process in step (a), performing automatic login processing for the customer using the customer terminal by at least one of direct communication with the payment request server and indirect communication via the customer terminal. Control method of the payment processing agent server, characterized in that. 64. The method of claim 60,
And matching and storing the member signature and the creation pattern information of the member signature for each member,
The step (a)
Receiving a payment progress request message generated by the payment request server;
Allowing a security signature input page including a pre-registered member signature to be transmitted to the customer terminal in response to the customer using the customer terminal;
When the creation pattern of the member signature input by the customer is received from the customer terminal, if the matching pattern of the received member signature and the creation pattern information of the previously registered member signature are matched and matched, the member authentication process is performed for the customer. The control method of the payment processing agent server, characterized in that it comprises the step of performing. In the control method of the payment processing agent server that receives a predetermined payment progress request message from a customer request terminal or a payment request terminal that provides a product or service order page to the customer terminal, and communicates with a predetermined legacy payment processing server,
(a) performing a member authentication process for a customer using the customer terminal when the payment progress request message is received;
(b) providing a payment verification page including a predetermined payment verification number input window to the customer terminal, and transmitting a billing customer authentication request signal including a unique number for the member-authenticated customer to the legacy payment processing server; Steps;
(c) receiving a payment verification number input by the customer in a payment verification number input window;
(d) transmitting the received payment authentication number to the legacy payment processing server, and transmitting a payment request signal including a payment history included in the payment progress request message to the legacy payment processing server;
(e) assigning a consumer key to the payment request server according to a request from the payment request server, and then transmitting the assigned consumer key to the payment request server;
In the step (a) of the member authentication process, when a temporary token request signal from the payment request server is received, the server authentication processing is performed on the payment request server based on the consumer key included in the temporary token request signal. Generating a temporary token and transmitting the generated temporary token to the payment request server; When the access token request signal including the temporary token is received, requesting a login for the customer using the client terminal, and determining that the login has been normally performed, generating an access token to be delivered to the payment request server. Control method of the payment processing agent server, characterized in that. 63. The method of claim 62,
The payment progress request message of the payment request server includes the access token,
Member authentication processing in the step (a), if the payment progress request message of the payment request server comprises the step of performing an automatic login process based on the access token included in the payment progress request message The control method of the payment processing agent server. 63. The method of claim 62,
After requesting a login to a customer using the customer terminal and logging in normally and performing member authentication on the corresponding customer, the legacy payment processing server sends a payment customer authentication request signal including a unique number corresponding to the member authenticated customer. The control method of the payment processing agent server, characterized in that it comprises the step of transmitting to. delete delete delete delete delete delete A payment request server for providing a product or service order page to a customer terminal and generating a predetermined payment progress request message when an order request is received from the customer terminal;
As a payment progress request message generated by the payment request server is received, a member authentication process is performed on a customer using the customer terminal, and the communication terminal information of the member authenticated customer is extracted and the extracted information is added to the extracted information. On the basis of this, a predetermined payment authentication number is transmitted to the communication terminal of the corresponding customer, and a payment authentication page including a payment authentication number input window is provided to the customer terminal. A payment processing agent server that performs payment processing when the number and the payment authentication number transmitted to the communication terminal match;
The payment processing agent server performs an automatic login process for the customer using the customer terminal by at least one of direct communication with the payment request server and indirect communication via the customer terminal. system. 72. The method of claim 71,
The payment processing agent server matches and stores a member signature and creation pattern information of the member signature for each member, and corresponds to a customer who uses the customer terminal according to a payment progress request message generated by the payment request server. And transmits a security signature input page including a pre-registered member signature to the customer terminal, and when the pattern of writing the member signature input by the customer is received from the customer terminal. And comparing the creation pattern information of the registered member signature and performing a member authentication process with respect to the customer. A payment request server for providing a product or service order page to a customer terminal and generating a predetermined payment progress request message when an order request is received from the customer terminal;
As a payment progress request message generated by the payment request server is received, a member authentication process is performed on a customer using the customer terminal, and the communication terminal information of the member authenticated customer is extracted and the extracted information is added to the extracted information. On the basis of this, a predetermined payment authentication number is transmitted to the communication terminal of the corresponding customer, and a payment authentication page including a payment authentication number input window is provided to the customer terminal. A payment processing agent server that performs payment processing when the number and the payment authentication number transmitted to the communication terminal match;
The payment request server requests and stores a consumer key in the payment processing agent server, and when receiving an order request from the customer terminal, transmits a temporary token request signal including the stored consumer key to the payment processing agent server. When a temporary token is received from a payment processing agent server, an access token request signal including the received temporary token is transmitted to the payment processing agent server, and when the access token generated by the payment processing agent server is received, the received token is received. Save the access token,
The payment processing agent server allocates a consumer key to the payment request server according to a request from the payment request server, and then transmits the assigned consumer key to the payment request server, and sends the temporary token request signal from the payment request server. Is received, the server authenticates the payment request server based on the consumer key included in the temporary token request signal, generates a temporary token, transmits the generated temporary token to the payment request server, and sends the temporary token. When the access token request signal comprising a request for a login to the customer using the customer terminal payment processing system, characterized in that to generate an access token to be delivered to the payment request server when the login is normally performed. The method of claim 73,
The payment request server generates a payment progress request message including the access token,
When the payment processing request server generated by the payment request server receives the payment processing request message, the payment processing agent server performs an automatic login process based on the access token included in the payment processing request message to register a member to the customer who uses the customer terminal. Payment processing system, characterized in that for performing the authentication process. (a) a payment request server providing a product or service order page to a customer terminal and generating a predetermined payment progress request message when an order request is received from the customer terminal;
(b) As the payment processing server receives the payment progress request message generated by the payment request server, the member authentication process is performed for the customer using the customer terminal, and the customer terminal information of the customer who has been authenticated. Extracting and transmitting a predetermined payment verification number to the communication terminal of the customer based on the extracted information, and providing a payment verification page including a payment verification number input window to the customer terminal;
(c) the payment processing agent server performing a payment process when the payment authentication number input by the customer in the payment authentication number input window and the payment authentication number sent to the communication terminal match;
In the step (b), the payment processing agent server performs an automatic login process for the customer who uses the customer terminal by at least one of direct communication with the payment request server and indirect communication via the customer terminal. Control method of a payment processing system, characterized in that. 77. The method of claim 75,
The payment processing agent server further comprises matching and storing the member signature and the creation pattern information of the member signature for each member,
In the step (b), (b1) the security signature including the member signature registered in advance corresponding to the customer using the customer terminal according to the payment progress request message generated by the payment processing server; Transmitting an input page to the customer terminal; (b2) when the writing pattern of the member signature input by the customer is received from the customer terminal, comparing the writing pattern information of the received member signature with the writing pattern information of the previously registered member signature and matching the same with respect to the customer. And a step of performing a member authentication process. (a) a payment request server providing a product or service order page to a customer terminal and generating a predetermined payment progress request message when an order request is received from the customer terminal;
(b) the payment processing agent server performs a member authentication process for the customer using the customer terminal as the payment progress request message generated by the payment request server is received, and the customer terminal of the customer who has been authenticated. Extracting information and transmitting a predetermined payment authentication number to the communication terminal of the corresponding customer based on the extracted information, and providing the payment authentication page including a payment authentication number input window to the customer terminal;
(c) performing, by the payment processing agent server, a payment process when the payment verification number input by the customer in the payment verification number input window and the payment verification number sent to the communication terminal match;
(d) the payment request server requesting a consumer key from the payment processing agent server;
(e) the payment processing agent server assigning a consumer key to the payment request server according to a request of the payment request server, and then transmitting the assigned consumer key to the payment request server;
(f) the payment request server storing the consumer key received from the payment processing agency server and transmitting a temporary token request signal including the stored consumer key to the payment processing agency server when an order request is received from the customer terminal. Steps;
(g) When the payment processing agent server receives the temporary token request signal from the payment request server, generates a temporary token after performing member authentication on the payment request server based on the consumer key included in the temporary token request signal. Transmitting the generated temporary token to the payment request server;
(h) allowing the payment request server to transmit an access token request signal including the received temporary token to the payment processing server when the temporary token is received from the payment processing server;
(i) when the payment processing agent server receives an access token request signal including the temporary token, requests a login for a customer using the client terminal, and generates an access token to the payment request server when the login is normally performed. The control method of the payment processing system, characterized in that it comprises the step of being delivered. 78. The method of claim 77,
(j) generating, by the payment request server, a payment progress request message including the access token;
(k) when the payment processing request server receives the payment progress request message generated by the payment request server via the customer terminal, performs an automatic login process based on an access token included in the payment progress request message; And performing a member authentication process for the customer using the customer terminal. A payment processing agent server that receives a predetermined payment progress request message from a payment request terminal that provides a product or service order page to a customer terminal or the customer terminal, and performs payment processing.
A member authentication processing unit which performs member authentication processing on a customer who uses the customer terminal when the payment progress request message is received;
A customer information extracting unit for extracting communication terminal information of the customer authenticated by the member;
A payment preparation unit which transmits a predetermined payment authentication number to the communication terminal of the customer based on the communication terminal information of the customer extracted by the customer information extracting unit;
A page providing unit for providing a payment verification page including a predetermined payment verification number input window to the customer terminal;
A receiving unit receiving a payment authentication number input by the customer in a payment authentication number input window;
And a payment processing unit that performs payment processing when the payment verification number received by the receiving unit and the payment verification number transmitted by the payment preparation unit to the communication terminal of the customer match.
The member authentication processing unit performs an automatic login process for the customer using the customer terminal by at least one of direct communication with the payment request server and indirect communication via the customer terminal. server. 80. The method of claim 79,
The member authentication processing unit matches and stores a member signature and creation pattern information of the member signature for each member, and uses the customer terminal as a payment progress request message generated by the payment request server is received in the receiving unit. The page providing unit controls the page providing unit to transmit a security signature input page including a member signature registered in advance to the customer terminal to the customer terminal, and a writing pattern of the member signature input by the customer is received from the customer terminal. And when received, compares the received member signature creation pattern with previously registered member signature creation pattern information and performs a member authentication process for the customer. A payment processing agent server that receives a predetermined payment progress request message from a payment request terminal that provides a product or service order page to a customer terminal or the customer terminal, and performs payment processing.
A member authentication processing unit which performs member authentication processing on a customer who uses the customer terminal when the payment progress request message is received;
A customer information extracting unit for extracting communication terminal information of the customer authenticated by the member;
A payment preparation unit which transmits a predetermined payment authentication number to the communication terminal of the customer based on the communication terminal information of the customer extracted by the customer information extracting unit;
A page providing unit for providing a payment verification page including a predetermined payment verification number input window to the customer terminal;
A receiving unit receiving a payment authentication number input by the customer in a payment authentication number input window;
And a payment processing unit that performs payment processing when the payment verification number received by the receiving unit and the payment verification number transmitted by the payment preparation unit to the communication terminal of the customer match.
The member authentication processing unit allocates a consumer key to the payment request server according to a request from the payment request server, and then transmits the assigned consumer key to the payment request server, and a temporary token request signal from the payment request server When received by the receiving unit, the server authenticates the payment request server based on the consumer key included in the temporary token request signal, generates a temporary token, and transmits the generated temporary token to the payment request server. When an access token request signal including a token is received in the receiving unit, request to log in to the customer using the customer terminal to generate an access token to be delivered to the payment request server when it is determined that the login is normally performed. Payment processing agent server. 82. The method of claim 81 wherein
The payment progress request message of the payment request server includes the access token,
When the member authentication processing unit receives a payment progress request message of the payment request server, the member authentication is performed on the customer who uses the customer terminal by performing an automatic login process based on the access token included in the payment progress request message. The payment processing agent server, characterized in that to perform the processing. In the control method of the payment processing agent server for receiving a predetermined payment progress request message from the payment request terminal that provides a product or service order page to the customer terminal or the customer terminal to perform the payment processing,
(a) performing a member authentication process for a customer using the customer terminal according to the payment progress request message;
(b) extracting communication terminal information of the customer who has been authenticated by the member;
(c) transmitting a predetermined payment authentication number to the communication terminal of the customer based on the extracted communication terminal information of the customer;
(d) providing to the customer terminal a payment verification page including a predetermined payment verification number input window;
(e) receiving a payment verification number input by the customer in a payment verification number input window;
(f) performing payment processing when the received payment verification number and the payment verification number sent to the communication terminal of the customer match;
During the member authentication process in step (a), performing automatic login processing for the customer using the customer terminal by at least one of direct communication with the payment request server and indirect communication via the customer terminal. Control method of the payment processing agent server, characterized in that. 85. The method of claim 83,
And matching and storing the member signature and the creation pattern information of the member signature for each member,
The step (a)
Receiving a payment progress request message generated by the payment request server;
Allowing a security signature input page including a pre-registered member signature to be transmitted to the customer terminal in response to the customer using the customer terminal;
When the creation pattern of the member signature input by the customer is received from the customer terminal, if the matching pattern of the received member signature and the creation pattern information of the previously registered member signature are matched and matched, the member authentication process is performed for the customer. The control method of the payment processing agent server, characterized in that it comprises the step of performing. In the control method of the payment processing agent server for receiving a predetermined payment progress request message from the payment request terminal that provides a product or service order page to the customer terminal or the customer terminal to perform the payment processing,
(a) performing a member authentication process for a customer using the customer terminal according to the payment progress request message;
(b) extracting communication terminal information of the customer who has been authenticated by the member;
(c) transmitting a predetermined payment authentication number to the communication terminal of the customer based on the extracted communication terminal information of the customer;
(d) providing to the customer terminal a payment verification page including a predetermined payment verification number input window;
(e) receiving a payment verification number input by the customer in a payment verification number input window;
(f) performing a payment process when the received payment authentication number and the payment authentication number transmitted to the communication terminal of the customer match;
(e) assigning a consumer key to the payment request server according to a request from the payment request server, and then transmitting the assigned consumer key to the payment request server;
In the step (a) of the member authentication process, when a temporary token request signal from the payment request server is received, the server authentication processing is performed on the payment request server based on the consumer key included in the temporary token request signal. Generating a temporary token and transmitting the generated temporary token to the payment request server; When the access token request signal including the temporary token is received, requesting a login for the customer using the client terminal, and determining that the login has been normally performed, generating an access token to be delivered to the payment request server. Control method of the payment processing agent server, characterized in that. 86. The method of claim 85,
The payment progress request message of the payment request server includes the access token,
Member authentication processing in the step (a), if the payment progress request message of the payment request server comprises the step of performing an automatic login process based on the access token included in the payment progress request message The control method of the payment processing agent server.

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