KR20010044684A - Monetary settlement system and method for member shop using credit card and mobile communication - Google Patents

Abstract

PURPOSE: A system and method for the agency settlement using the credit card and mobile communication are provided to enable a customer to settle the payment of an off-line enterprise only with a mobile phone number and a password number. CONSTITUTION: The system comprises agencies 1-N(100,101,102,103), a financial institution(200)(credit card company or bank), an agency settlement system(300), and a mobile communication provider(400). When receiving a new credit card, the customer registers the mobile phone number, the password number for the mobile phone settlement, and the information on a basic card issue. Agencies offer the customer an item and service for settling an account on off-line. A credit card company(200) has an electronic financial settlement system(210) and DB(220) for settling the general account. The agency settlement system has a web server(310), which runs an agency settlement program and a settlement permission program mounted on the agency and credit card company, a DB server(320), which stores permission number, mobile phone number, limited customer information, and so on, and an SMS(Short Message Service) processing server(330), which processes the SMS connected to the mobile communication provider via X.25 leased line. The mobile communication provider has an SMS server(410), which performs a mobile communication service, and an accounting server(420), which asks a use bill of the agency settlement system.

Description

Merchant payment system and payment method using credit card and mobile communication {MONETARY SETTLEMENT SYSTEM AND METHOD FOR MEMBER SHOP USING CREDIT CARD AND MOBILE COMMUNICATION}

The present invention relates to a merchant payment system using a credit card and mobile communication, in particular, the purchase and use of goods in an offline merchant, after the purchase of the goods and the use of the mobile phone number associated with the credit card and bank debit card and password for the mobile phone payment The present invention relates to a merchant payment system and a payment method using a credit card and mobile communication.

In general, the financial settlement system is an electronic banking payment method for reducing cost and commission income to financial institutions, and remittances using electronic banking services such as bank online, CD / ATM, phone banking, PC banking, and internet banking. , Billing, payment. Here, the electronic banking is an electronic medium such as a telephone, a public communication network, a financial computer network, and includes a payment settlement system between banks using various domestic and foreign financial computer networks.

In recent years, these financial settlement systems have evolved beyond the online stage of banking online to the financial network stage and the cyber financial stage. Among them, cyber banking, cyber money, e-mail transfer, and billing service using a mobile communication terminal are used in cyber finance.

The billing service using a mobile communication terminal according to the prior art provides a user with a mobile terminal such as a PDA, a mobile phone, a cellular phone (mobile phone), a wireless Internet phone, etc. It is a service that enables the payment of the paid content usage fee of the website by the authentication and payment method of the mobile communication service provider.

That is, when the user selects the cyber cash (mobile phone billing) on the website to use the paid content, the user inputs the cache ID (URL address except the website access ID @ www) and the cash password for the cyber cache use. And, as a result, an authentication number for authenticating the user is messaging to his mobile phone. When the user enters the messaging authentication number on the website, the cyber cache can be used. After that, whenever a user uses paid content on a website, the user inputs a cash password into the input window to receive a verification code for payment based on the use of the cyber cash on his mobile phone, and then inputs the verification code for payment to the website. You will be able to pay the cost of using paid content.

However, the mobile phone billing payment method according to the prior art, because the payment amount is added to their mobile phone usage fee, there is an end to overload the mobile operator server, which causes the mobile operator has a lot of difficulties in managing the server, Website operators also have a disadvantage in that it is difficult to request a billing service from a mobile carrier for a large amount of payment, so that payment of various paid contents becomes difficult.

In addition, the conventional mobile phone billing payment method is only to prove that the user receives the authentication number to the mobile phone, payment is possible only when all the necessary requirements such as registration of their computer terminal, mobile phone and website membership is satisfied. Therefore, there is a disadvantage that can not be applied to payment in companies, shops, credit card merchants, etc. offline.

In addition, there are existing payment methods such as credit cards, debit cards, gift certificates, etc. suitable for offline environments in companies, shops, and credit card merchants, but a thin wallet for adolescents who are familiar with cyber environments and many credit cards, etc. Office workers who keep a large number of people in the demand for a simpler and more convenient payment method, but in reality, there is a lack of a solution for payment associated with offline.

In addition, in the conventional general offline company, in the customer relationship management, there is no way to grasp the customer's purchase pattern, consumption tendency, and service usage pattern before the user joins a specific card merchant, and pays for a short time. Merchant owners do not deserve to know in advance that they are users of credit card merchants, so more advanced services (e.g., identify the name of the consumer at the time of payment, kindly pay the bill by calling the customer's name, etc.) Etc., first, to provide better information to consumers or to recommend goods) can not be implemented.

Therefore, the conventional offline company has a very poor infrastructure to use the marketing strategies of the customer's Internet site log analysis, Internet-based customer relationship management (eCRM), data mining, etc. in the e-commerce, There is a need for a marketing environment that combines offline and online.

Therefore, the present invention is to solve the problems in the prior art as described above, it is possible to pay for the use of offline companies only with a mobile phone number and password for mobile phone payment, credit possible one-to-one marketing services according to customer relationship management An object of the present invention is to provide a merchant payment system using a card and mobile communication.

1 is a schematic network diagram of a merchant payment system using a credit card and mobile communication according to an embodiment of the present invention;

FIG. 2 is a data flow diagram illustrating a relationship in which data is transmitted through a network in a merchant payment system using a credit card and mobile communication shown in FIG. 1;

3 is a block diagram for explaining the configuration of a merchant payment system using a credit card and mobile communication of the present invention;

4 is a flowchart illustrating a merchant payment method using a credit card and mobile communication of the present invention;

5 is a flowchart illustrating a method of operating an affiliated store payment program installed in a computer terminal of an affiliated store;

6 is a flowchart illustrating a method of operating a payment approval program installed in an electronic financial settlement system;

7 is a flow chart for explaining the main operation relationship of the payment management server.

<Explanation of symbols for main parts of drawing>

2: Mobile communication terminal 100, 101, 102, 103: Merchant

120: computer terminal 130: password input keypad

200: financial institution 210: electronic financial settlement system

300: merchant payment system 310: web server

330: short messaging service processing server 400: mobile communication service provider

According to the present invention for achieving the above object, by connecting the merchants, financial institutions and mobile operators to the network to use the payment to the consumer's mobile terminal, using the mobile phone number and password delivered by the consumer A computer terminal of the merchant having a merchant payment program for billing, a mobile phone number and a password received and stored in a database, and the payment approval program for issuing an authorization number according to the status of the consumer's account is installed. It includes an electronic banking payment system, a merchant server including a web server, a database, and a short messaging service processing server to perform authorization number management and customer relationship management, and manage the merchant payment program and the payment approval program on the web. And the merchant Payment system is achieved by the merchant payment system using a credit card and mobile communication, characterized in that for transmitting the authorization number to the consumer's mobile communication terminal through the mobile communication provider to pay for the use.

In addition, according to the present invention, the merchant payment system preferably includes a customer relationship management system and the merchant support system that allows the merchant to recognize the customer in advance by the mobile phone number and merchant information and customer name delivered from the financial institution.

In addition, according to the present invention, the short messaging service processing server is connected to a mobile communication service provider and a dedicated line to handle the SMS messaging service, it is preferable to include an SMS processing system for managing the charging relationship for the SMS messaging service.

Hereinafter, preferred embodiments of the present invention will be described with reference to the accompanying drawings.

1 is a schematic network configuration diagram of a merchant payment system using a credit card and mobile communication according to an embodiment of the present invention, Figure 2 is a merchant payment system using a credit card and mobile communication shown in FIG. Is a data flow diagram illustrating the relationship of data passing through a network. In addition, Figure 3 is a block diagram illustrating the configuration of a merchant payment system using a credit card and mobile communication of the present invention, Figure 4 is a flow chart illustrating a merchant payment method using a credit card and mobile communication of the present invention. . 5 is a flowchart illustrating a method of operating a merchant payment program installed in a computer terminal of a merchant, FIG. 6 is a flowchart illustrating a method of operating a payment approval program installed in an electronic financial settlement system, and FIG. 7 is a payment. This is a flow chart for explaining the main operation relationship of the management server.

The present invention as shown in Figure 1 is a member of a financial institution (200; credit card companies, banks, etc.) connected to the Internet (3), credit cards, debit cards, smart cards, etc., payment is possible only by mobile phone number and password Offline merchants 1 to N (100, 101, 102, 103) linked with a plurality of credit card mobiles, merchants payment system 300 that performs SMS (Short Messaging Service) processing, authorization number management, and customer relationship management; The merchant payment system 300 has a network configuration consisting of a mobile communication service provider 400 connected by X.25 dedicated line.

First, when a consumer 1 receives a financial card (hereinafter referred to as a credit card) from a specific financial institution (hereinafter referred to as credit card company for illustrative purposes), his / her mobile number and password for cellular phone payment (hereinafter referred to as “credit card”) are issued. Password) and basic card issuing information. In addition, the employee or seller 140 of the merchants 100, 101, 102, 103 registers the merchant ID and the merchant password during the merchant registration process of the credit card company 200.

Merchants (100, 101, 102, 103) is a place that provides goods and services in the offline environment, the payment amount corresponding to the purchase of the consumer (1), the use of services through the account of the credit card company 200 When receiving, the customer provides the payment service using the credit card and mobile communication.

To this end, merchants (100, 102, 102, 103) are connected to the electronic financial settlement system 210 of the credit card company 200 via the Internet (3), a direct input interface or voice recognition through the input window 110 Computer terminal 120 is installed with a merchant payment program for inputting a mobile phone number and the amount to the interface, and a password input keypad 130 for the consumer 1 directly secretly enter a password. The password input keypad 130 is a means for inputting a password input by the consumer 1 in cooperation with the computer terminal 120, and is a conventional password input device. The main functions of the merchant payment program installed in the computer terminal 120 is ① the consumer (1) orally delivered to the seller 140, the mobile phone number and card type input by the seller 140 (for example, Chohung BC Card, Chohung Debit card, etc.) and the password (1) directly entered by the consumer (1) to the credit card company 200, ② the input and confirmation function of the authorization number, ③ limited consumer information display function, ④ credit card company It has a function such as billing.

The credit card company 200 has an electronic financial settlement system 210 and a database 220 for general payments, and in particular, installs a payment approval program in the electronic financial settlement system 210. Here, the main functions of the payment approval program is ① check whether the credit card of the consumer registered in advance in the credit card company 200, mobile phone number and password match the value transmitted from the merchant 100, ② approval Number generation function, ③ the generated approval number and amount and mobile phone number, merchant information, the data processing function corresponding to the customer name, ④ the function to deliver the processed data to the merchant payment system 300, and ⑤ to the merchant It has a function to pay the price.

Merchant payment system 300 is a web server 310 to manage the merchant payment program and payment approval program installed in the merchant 100 and credit card company 200 in the form of ASP (Active Server Pages) to operate on the Internet, and customers The SMS processing server 330 connected to the mobile communication service provider 400 by an X.25 dedicated line through an SMS service program and a database server 320 used for a relationship management program to record and store an approval number, a mobile phone number, and limited customer information. ).

The mobile communication service provider 400 includes an SMS server 410 for performing a mobile communication service such as a general short text service, and a general billing server 420 configured to bill the merchant payment system 300 for a short text service use price. ), And other general system (not shown) for general mobile communication such as base station 430 management.

In the following, the network configuration described above, will be described for the data flow when the merchant payments using credit cards and mobile communication.

As shown in FIG. 2, the consumer 1 purchases an item or uses a service at the affiliate store 100, and the seller of the affiliate store 100 requests the consumer 1 to pay the price, and at this time, the consumer 1 ) Tells the seller of the merchant 100 their cell phone number and card type, and enters the password using the password input keypad. That is, in step ①, the mobile phone number, card type, and password are transferred from the consumer 1 to the affiliate store 100, and in step ②, the mobile phone number, card type, password, and amount data of the computer terminal of the affiliated store 100 connected to the Internet. Through, as well as being delivered to the credit card company 200 as a financial institution, merchant information, for example, merchant code, trade name, sales items, service item data, etc. are also delivered. Subsequently, the credit card company 200 is approved for payment through a user authentication process, and in step ③, the mobile phone number, merchant information, customer name, approval number, and amount data are transferred to the merchant payment system 300, and step ④. The short text message containing the approval number and the amount is transferred to the mobile phone corresponding to the mobile phone number of the consumer 1 by the merchant payment system 300 and the mobile communication service provider 400. In this case, in step ⑤ the consumer (1) shows the approval number and amount using the mobile phone to the merchant of the merchant 100, and in step ⑥ the merchant of the merchant 100 enters the approval number, step ⑦ The approval number confirmation message is transferred from the credit card company 200 to the affiliated store 100. Thereafter, the affiliated store 100 receives the amount of money in the account of the consumer 1 as an article price or a service fee by a normal credit card billing method. Here, the account of the consumer 1 is shared with his family so that parents with young children register their children's mobile phone numbers with a credit card company that is a financial institution, and allow payment within a limited amount. Of course you can. In addition, since the credit card billing method is a general financial procedure, an additional detailed description thereof will be omitted to highlight the features of the present invention.

In the following, the merchant payment system 300 of the present invention as described above will be described in detail.

As shown in FIG. 3, the merchant payment system 300 includes an SMS processing server 330 for constructing an SMS processing system 331 for delivering an SMS message to a consumer having a mobile phone, and a merchant and a credit card company. An ASP system (332; of course, individual programs can be installed through a business trip) is provided for providing a merchant payment program and a payment approval program in an ASP form, and a customer relationship management system 333 and a merchant support system 334 are installed. It has a web server 310 and an additional content server, and a database server 320 on which a database management system 321 is built.

The SMS processing system 331 of the SMS processing server 330 is connected to a mobile communication provider with a dedicated line, is in charge of the SMS messaging service, and manages the charging relationship for the SMS messaging service. The ASP system 332 of the web server 310 includes a web application for interworking a merchant payment program and a payment approval program which will be described in detail below on the web. Such a web application can provide content necessary for merchant support through OCX authentication and merchant code (ID, password), and can be constructed by a general Internet website technology, and thus, a detailed description thereof has been omitted.

In addition, the web server 310 supports the affiliated store support system and the customer relationship management system in connection with the database management system 321 of the database server 320, a plurality of merchant use information stored in the database server 320, The data such as customer name, purchased goods, service usage status, mobile phone number, amount, authorization number, etc. are processed into a normal customer relationship management solution, and this is combined with various marketing information and advertisement information provided by the merchant support system. It transmits to a computer terminal.

In the following, Figure 4 illustrates a merchant payment method using an overall credit card and mobile communication. As shown in FIG. 4, the merchant or employee of the affiliated store turns on the power of the computer terminal installed in the affiliated store and accesses the credit card company's electronic financial settlement system through the merchant payment program. Then, when the consumer visits the merchant to purchase a predetermined item or use the service, the merchant of the merchant presents a payment method such as cash, credit card, check, etc. to the consumer. At this time, the consumer wants a payment method through the mobile number, orally delivers the mobile number and card type to the employee or seller of the merchant (S100). The employee of the merchant enters the mobile phone number and card type and the amount used (S110), and verbally tells the consumer to enter a password. Therefore, the consumer enters the password using the password input keypad installed in the merchant (S120). Subsequently, the data corresponding to the input password, the mobile phone number, the card type and the amount used, and the merchant use information data are transmitted to the credit card company which is a financial institution (S130). The payment approval program of the credit card company calls the consumer information stored in advance on the credit card company based on the mobile phone number from the transferred data, and performs a user authentication procedure to determine whether the called information and the transmitted data match (S200). ). After the user authentication is completed, the credit card company's payment approval program determines the relationship between the credit failure and the balance limit exceeded (S201, S202), and delivers an error message or the balance overdose message to the merchant to notify the cancellation of the payment (S206, S256). , S257, S258), if there is no problem in payment approval, generates an approval number (S203). The generated authorization number, amount and mobile phone number, and other data are transferred to the merchant payment system (S204), the merchant payment system sends the authorization number and the amount data corresponding to the mobile phone number to the consumer in the form of a short message through the mobile carrier. (S300). The consumer shows the received authorization number and the amount to the affiliated employee, and the affiliated employee enters the authorization number shown by the consumer and performs the confirmation number confirmation process with the credit card company (S400).

In this way, the consumer can simply and simply deliver the phone number and card type when paying the bill, and simply enter the password to purchase the goods simply and simply at the merchant.

5 is a flowchart illustrating an operation sequence of a merchant payment program. As shown in Figure 5, the merchant payment program installed in the computer terminal of the merchant when the computer terminal is operating, displays the screen screen for payment of the merchant (S101), if the merchant ID and merchant password is input by the merchant owner (S102) By entering the electronic financial settlement system of a credit card company (S103), an input wait state is entered (S104). If the mobile phone number, card type and use amount are entered by the merchant employee, request the CRM database query transmission to the merchant payment system through the Internet, and displays the limited customer information (S111, S112). Here, the limited data displayed by the CRM database query transmission is the name of the consumer, the type of goods purchased, the type of service, and the like, in the case of a consumer who once purchased a product or used a service at the merchants. When the first payment is made at the affiliated store, it is displayed that the consumer is the first guest using the affiliated store. In addition, the CRM database means that the affiliated store payment information, the customer name, the mobile phone number, etc. in the merchant payment system. Thus, the merchant staff can reach customers who are more intimate customers and display active services through the limited customer information displayed. For example, a customer clerk can know in advance the names of consumers stored in a CRM database based on a mobile phone number, so that they can kindly say their names and say hello to them. In addition, if you are a first-time guest, you will be able to say thank you for your first use, ask if there were any problems with the purchase of the items listed in the limited customer information, or if there were any inconveniences in using the service. You can try to provide.

Meanwhile, the merchant payment program displays a password request message on the screen (S121), and input data (customer information: mobile phone number, card type, amount used, password, merchant information: merchant code, purchase) The data is transmitted to the credit card company by encoding the item name, the type of service used, and the like (S122, S123, S124, and S131). After that, the acknowledgment operation of the transmitted data is performed, and when the number of retransmissions n exceeds the set value or more, the transmission is canceled and an error message is displayed (S132, S134, S135a, S135b). Then, the log of the data communication result is recorded (S133), and the approval number input wait state is entered (S136). Thereafter, it is determined whether the authorization number is input, and the authorization number is transmitted to the credit card company, and the authorization number is confirmed by a reception confirmation signal transmitted from the credit card company (S137, S138, and S139).

Therefore, the merchant staff can easily complete the payment for the consumer with only the mobile phone number and password, and additionally provide an active service that knows the customer's name in advance and provides kind service with the limited customer information displayed on the screen. Can be.

6 illustrates an operation procedure of a payment approval program installed in an electronic financial settlement system. As shown in FIG. 6, when the electronic banking payment system of the credit card company is turned on and the payment approval program is operated (S210), a screen window for payment of a financial institution is displayed (S211), and then receives data transmitted from the affiliated store. In addition, the acknowledgment signal is sent to the computer terminal of the affiliated store and the data is decoded (S212). In addition, the decoded input data is divided into customer information (mobile phone number, card type, amount used, password), and merchant use information (customer name, merchant code, purchased goods name, service type, etc.), respectively, including a mobile phone number. (S240).

At this time, the customer information is temporarily stored in the data comparison authentication list (S221), and accesses the customer DB to call the customer card (account) information based on the mobile phone number (S222). In this case, it is determined whether or not the matching relationship of the password according to the presence or absence of the customer card (account) information (S224), if there is no customer card (account) information, and performs the error message generation step as shown in Figure 4 (S250, S256) ). In this case, if the password does not match, a password error message is generated and delivered to the affiliated store (S230, S231), and the notice of cancellation of payment according to the password re-entry or not, or the password is temporarily stored in the data comparison authentication list (S232). , S233). If the passwords match, a 'true' key value of user authentication is generated, and an authorization number is generated by determining a relationship between the credit failure and the balance limit excess as shown in FIG. 4 (see S201, S202, and S203). At this time, the payment approval program extracts the customer name (S226), and transmits the extracted data together with the mobile number and the merchant use information to the merchant payment system (S241), the merchant payment system to create a CRM database for customer relationship management Do it. In this embodiment, in order to know the name of the consumer who is the owner of the mobile phone using only the mobile phone number, the merchant payment system is to receive the mobile phone number and the merchant use information from the credit card company, a financial institution, but the member management is performed through a simple data flow modification Of course, if you can receive directly from the merchant.

7 illustrates the main operation procedure of the payment management server. As shown in Figure 7, the merchant payment system stores the mobile phone number and authorization number and the amount and the merchant information and customer name sent from the credit card company in the payment DB (S301). Thereafter, the mobile phone number, the authorization number and the amount are written in the transmission data table (S302), and the merchant information and the mobile phone number and the customer name are created in the CRM data table (S312). After checking the leased line, the data about the mobile phone number, the authorization number, and the amount written in the transmission data table is transmitted to the mobile communication service provider's SMS server. (S303, S304).

In addition, the merchant information and mobile phone number and customer name data written in the CRM data table is edited through a typical CRM database solution (S313), open to all merchants (S314), and used to provide active services do.

As described above, the merchant payment system using a credit card and mobile communication in accordance with the present invention by making a payment using a mobile phone number and password in the merchant, to provide an easy-to-use payment method that can increase the sales of offline companies There is an advantage to this.

In addition, the merchant payment system using the credit card and mobile communication of the present invention can perform the customer relationship management according to the mobile phone number in the merchant providing offline goods sales and services. In other words, the owner of the merchant can recognize the consumer in advance by the mobile phone number of the consumer, it is possible to provide a more sophisticated and reliable service, it can be intimate to the consumer.

In addition, the merchant payment method using the credit card and mobile communication of the present invention is very convenient because it does not have a separate credit card, and the approval process of the card reader, membership card, debit card, etc. used by offline companies Since it can be carried out in a mobile communication environment, there is an additional advantage that can manage the card use state in the entire mobile phone.

In addition, the merchant payment system using a credit card and mobile communication of the present invention has the advantage that the installation and use of the program is easy to install a variety of ASP-type programs to the merchants and financial institutions over the Internet.

In addition, the merchant payment system using the credit card and mobile communication of the present invention provides a safe and reliable payment method for use because the consumer directly enters the password using a password input keypad.

In addition, since the merchant payment system using the credit card and mobile communication of the present invention does not require its own computer terminal, mobile communication equipment, etc., such as online payment, it uses the computer terminal of the merchant, thus providing maximum convenience to consumers. Providing, thereby maximizing the sales of the merchant.

In addition, since the merchant payment system using the credit card and mobile communication according to the present invention additionally uses the limited customer information for consumers using the merchant as a database, there is an additional effect that can be applied as a tool of corporate marketing It is a groundbreaking invention.

In addition, preferred embodiments of the present invention are disclosed for the purpose of illustration, those skilled in the art will be able to make various modifications, changes, additions, etc. within the spirit and scope of the present invention, such modifications and modifications belong to the scope of the claims You will have to look.

Claims (6)

Credit card and mobile credit card that connects merchants (100, 101, 102, 103), financial institution 200 and mobile communication service provider 400 with a network and pays the use price to the mobile communication terminal (2) of the consumer (1) In the merchant payment system using communication, A computer terminal 120 of the affiliated store 100 in which an affiliated store payment program is installed, which charges for use of a mobile phone number and a password transmitted by the consumer 1; The electronic financial payment system of the financial institution 200, which receives the mobile phone number and the password, stores it in the database 220, and installs a payment approval program for issuing an approval number based on determining the account status of the consumer 1. 210), A web server 310, a database 320, and a short message service (SMS) processing server 330 are provided to perform the approval number management and the customer relationship management. The merchant payment program and the payment approval program are provided on the web. Including the merchant payment system 300 to manage, The merchant payment system 300 transmits the approval number to the mobile communication terminal 2 of the consumer 1 through the mobile communication service provider 400, the credit card and mobile communication, characterized in that for payment Merchant payment system using. The method of claim 1, The affiliated store payment system 300 supports the customer relationship management system 333 and the affiliated store so that the affiliated store 100 can recognize the customer in advance by the mobile number and the affiliated store use information and the customer name transmitted from the financial institution 200. Merchant payment system using a credit card and mobile communication, characterized in that it comprises a system (334). The method of claim 1, The short messaging service processing server 330 is connected to the mobile communication service provider 400 by a dedicated line to handle the SMS messaging service, and includes an SMS processing system 331 that manages the charging relationship for the SMS messaging service. Merchant payment system using a credit card and mobile communication. The method of claim 1, The web server 310 is a merchant payment system using a credit card and mobile communication, characterized in that it comprises an ASP system (332) having a web application for interworking the merchant payment program and the payment approval program on the web. In the merchant payment method using a credit card and mobile communication, The mobile phone number, card type, password from the consumer to the merchant, The mobile phone number, card type, password, and amount data are transferred to a credit card company which is a financial institution through a computer terminal of an affiliated store connected to the Internet; The credit card company is approved for payment through a user authentication process, and the mobile number, merchant information, customer name, authorization number, and amount data are transferred to the merchant payment system; A short text message written with the approval number and the amount is transferred to the consumer's mobile communication terminal by the merchant payment system and the mobile communication provider; Showing, by the consumer, the authorization number and amount to the affiliated store by using the mobile communication terminal; Merchants payment method using a credit card and mobile communication, characterized in that it comprises the step of entering and confirming the authorization number in the merchant. The method of claim 5, When the password is entered into the computer terminal of the merchant, sending a CRM database query to the merchant payment system, wherein the limited customer information of the consumer is displayed on the screen of the merchant computer terminal; Merchant payment method using mobile communication.