KR20110096916A

KR20110096916A - The payment any sum of money charged on cellphone in each accounting case by connecting credit card or credit transfer system

Info

Publication number: KR20110096916A
Application number: KR1020100016475A
Authority: KR
Inventors: 이종건; 조건희
Original assignee: 조동혁
Priority date: 2010-02-24
Filing date: 2010-02-24
Publication date: 2011-08-31

Abstract

The present invention provides a new concept phone bill system suitable for the mobile payment through mobile phones, mobile shopping and even future mobile card spread. In other words, if the transaction is made through a direct debit credit card or bank transfer linked to the mobile phone bill calculation, the user uses phone bill, but the payment is made by credit card or bank transfer. Is expected.
First, it is convenient to use Vonville, but it is mainly used for small payments due to the small amount of usage and usage.The payment is made by credit card or direct debit, which is applied for direct debit. You can enlarge it.
Second, there is no need to enter relevant personal information even when using credit cards and bank transfers using mobile phones, and it is not necessary to record credit card information on USIM or UICC cards of mobile phones. It can protect the user from danger.
Third, mobile carriers, payment agencies, and merchants can operate a payment system stably in the form of phone bills for each transaction, and users can make most payments using mobile phones and manage related data. There is this.

Description

{The payment any sum of money charged on cellphone in each accounting case by connecting credit card or credit transfer system}

As mobile phones become popular, various payment methods using mobile phones are introduced. Various technologies and methods for using a mobile phone as a payment method and a mobile card have been introduced. For example, there is a service called a micro phone payment or a phone bill. Phoneville has a monthly payment limit for each mobile phone user, and it is often used in small payments of less than 50,000 won in Korea. In 2009, payment for a huge amount of about 2.2 trillion won is made in this way. If you use the goods, content or services on the Internet, you will be required to enter your verification code by entering the authentication number downloaded from the text message of the mobile phone into the payment window of the computer. have. The amount of usage is increasing every year, and the mobile service provider has a limit to provide credit to users, and thus, the amount of money available is largely used for small payments such as content purchase. However, although Internet shopping has been recently activated, credit card payment methods are complicated to use and exposed to hacking risks, and thus, a relatively secure phone bill method is preferred, but the amount of use is limited, and thus, credit card payment methods cannot be replaced in earnest. The present invention intends to present a method for increasing the use amount and usage limit to a user who registers a mobile phone fee calculation by a direct debit such as a credit card and a bank transfer method in a phone bill having such a limitation. Several technologies and services for downloading callback text service and virtual machine (VM) programs to mobile phones and paying by credit card have been proposed and are in use today. The biggest problem with paying with a credit card on a mobile phone is that the user has to enter credit card information. To solve this problem, various patent technologies such as a method of encrypting and storing credit card information in a USIM or UICC card and a method of replacing credit card information with a mobile phone number have been registered. The present invention proposes a new method in which a user does not have to input a credit card and account number in a form different from the existing method in a credit card and bank transfer mobile phone transaction.

The payment method through a mobile phone is called a phone bill, which is calculated in the following month by adding up the mobile phone bill. This is basically a mobile phone bill, so the main use is limited to a small payment. It is very convenient to enter the authentication number received in the text message of the mobile phone into the computer payment window, but it is only used in online transactions because the authentication number must be entered into the computer. However, related technologies that can be used in offline payments through research on personal authentication using a mobile phone without entering an authentication number on a computer are being researched. Therefore, it is necessary to increase the amount of use per phone bill and the monthly limit. Mobile carriers may raise the phone bill limit by policy, but this requires crediting users, requiring a careful review of complex processes and related legislation. If a mobile carrier provides more than a certain amount of credit, Phoneville will be classified as a financial service rather than a current mobile phone supplementary service. In order to solve this problem, the present invention is intended to provide a means of immediately applying the mobile phone bill calculation to customers who have selected automatic transfer by credit card or bank transfer method. The current phone bill is classified as a mobile phone supplementary service, and the seller calculates the amount calculated by the user the next month when the user normally pays the mobile phone fee.

In addition, various services related to payment of goods and services with a credit card have been developed and provided by mobile phones and smartphones. In this case, it is inconvenient to input the credit card information into the mobile phone one by one, and in the case of a smartphone, there is a concern that the credit card information entered or stored through the hacking program may be taken out without knowing. Various ways to improve this have been considered, but in order to solve the inconvenience of the user, the card information should be stored in a different form as promised to a mobile phone or payment agent or a card company and a bank, and to use a different form of code promised instead of the card number. There is a way. The safest is to store them in card companies and banks, but there are many limitations in implementing them due to various institutional issues. However, as mobile shopping, mobile payment, and mobile card are expected to expand, it is necessary to develop a technology that can safely and conveniently provide credit card payment in mobile phones. In order to calculate the mobile phone usage fee in the following month, the user may select a direct debit method such as credit card and bank transfer, or in the case of domestic, pay the user directly to a financial institution or telecommunication company through Jiro. The present invention seeks to provide a new means of making a payment without inputting a credit card or account number applicable to users who have selected a direct debit method.

The present invention provides a method of increasing the utilization of the small amount of billing summed up in the mobile phone bill. Along with this, I would like to suggest a method that can be used without entering credit card and account information when making a credit card or bank transfer using a mobile phone. Solving the above two challenges could provide a new secure payment method in the mobile payment field, including both phone bill, credit card payment and bank transfer. If Vonville's usage and monthly limits go beyond the limits of mobile carriers and are available within the user's credit card and bank transfer limits, Vonville will easily integrate computer online payment methods. That is, a payment method for inputting credit card information in a computer Internet shopping mall has recently been published frequently with hacking and theft cases, and a new payment method has to be studied. The method of filing by the present inventors (Patent 10-2010-0007638) In addition, it is a good alternative not to record personal information such as credit cards on a computer, such as using an SS code. There is a mobile phone as a means to authenticate yourself without leaving personal information like a credit card on your computer.However, Vonville operates by collecting the payments used in the month in the following month. The problem is that the limit cannot be increased. It is a key task of the present invention to provide a method of increasing the limit in the middle of Vonville. In addition, payment by credit card for items purchased using mobile phones (including smartphones) is expected to increase as mobile shopping and mobile payments are activated. In this case, the inconvenience of having to input information including a credit card number into a mobile phone and the concern that the entered personal information is hacked are increasing. In order to prevent this, currently known methods of encrypting and recording credit card information on a USIM or UICC card or a method of replacing credit card information with a separate password are applied. By comparing these methods, the present invention proposes a method of using an automatic transfer means by which a user registers in various ways (application form or application on the Internet) as a mobile phone rate calculation means.

There are two ways to calculate mobile phone bills: direct debit and pay by the user. There are two methods of direct debit: withdrawing from a specified bank account on a given day and paying with a credit card. If you use a credit card, it is used a lot because it is paid the next month and various points are provided by the credit card company. In the case of using Vonville, the key part of problem solving is that it cannot be used beyond the usage amount and monthly limit because it is collected and summed up monthly. In other words, instead of collecting monthly payments and paying monthly bills, mobile phone bills are calculated every time. If the payment is made through a credit card and bank transfer registered by the user, Vonville is actually similar to the credit card and bank transfer payment method. Can be used. If the user adds a step for approving or confirming the prepayment as long as the phone bill is paid in advance, there is no legal problem. Or you can meet the legal requirements if you obtain a consent form for prepaying the purchase of goods and content or services when you transfer money to the terms and conditions that you fill out when you sign up for a mobile phone. Alternatively, the user may be configured to notify the user in case of an abnormality by notifying the contents of the bill payment prepaid by text message.

With this approach, users who register their cell phone bills by direct debit can conveniently use their billing and payments within their credit and balance limits without having to expose their credit card and account information to the cell phone or enter it into their cell phones. Can be. Unlike current phone bills, mobile phone operators or payment service providers do not become insolvent because payments are completed by user credit card or bank transfer for each transaction, and the merchants who receive payments by phone bills can receive payments immediately. After paying the bill, the merchant pays it). The user can be provided as an alternative means of paying by credit card and bank transfer for the goods he wants to purchase with Ponville. Above all, no credit card, bank transfer, or transaction information is recorded in the mobile phone and relay server, and only the high-security carrier and card and bank payment systems have customer information to protect customers from hacking. By inputting the password set when the payment is approved, it is impossible to find out the password even when the mobile phone is lost, thus providing more security than a credit card that does not use the password when paying offline.

The present invention provides a new concept phone bill system suitable for the mobile payment through mobile phones, mobile shopping and even future mobile card spread. In other words, if the transaction is made through a direct debit credit card or bank transfer linked to the mobile phone bill calculation, the user uses phone bill, but the payment is made by credit card or bank transfer. Is expected.

First, it is convenient to use Vonville, but it is mainly used for small payments due to the small amount of usage and usage. You can enlarge it.

Second, there is no need to enter relevant personal information even when using credit cards and bank transfers using mobile phones, and it is not necessary to record credit card information on USIM or UICC cards of mobile phones. It can protect the user from danger.

Third, mobile carriers, payment agencies, and merchants can operate a payment system stably in the form of phone bills for each transaction, and users can make most payments using mobile phones and manage related data. There is this.

1 is a flowchart of credit card payment on the current Internet.
2 is a flowchart of mobile phone payment in the current Internet.
3 is a flow chart connecting the credit card and bank transfer payment approval system to the current mobile phone payment flow chart.

Most of the experiences of using a credit card have been accumulated over the years. In particular, in line with the current trend of counting most transactions with credit cards, even if you use only three or four cases a day, you will have almost 100 receipts per month. In order to solve this problem, it is preferable to make a transaction using a mobile phone and receive a receipt through a message or an email, or look up the Internet and output it only when necessary. However, vonville is classified as a mobile service provider's value-added service, and due to various reasons, the amount of use per month and the monthly limit are limited to a maximum of 200,000 won (as of February 2010). For this reason, vonville is mainly used for micropayment means such as content purchase and various document issuance fees. In order to extend this to other fields, the limitation of utilization is the biggest problem, and therefore, a service for paying with a credit card in a mobile communication network using a mobile phone is required. There are various business models for paying with a credit card using a mobile phone, and the so-called "SS code" method filed by the inventor is an example. In recent years, the service of paying by credit card using a mobile phone has recently been expanded to offline merchants by introducing callback SMS as well as online online payment. There is also a service to enter the payment. Directly entering credit card information into a mobile phone is the simplest method, but because it is difficult to use because it is difficult to remember the credit card information (remember to remove the credit card from the wallet), it is an obstacle to expanding to the universal payment service. Although various methods of storing card information using different media and space have been studied (for example, agreeing to replace card information with a personal cell phone number and storing in a card company), the present invention provides a direct debit information of a customer owned by a mobile carrier. Therefore, it is configured to make a payment for every transaction through a transaction approval system that is already operated such as direct debit, without having to build separate systems. Hereinafter, the present invention will be described in detail with reference to the accompanying drawings.

1 is a flow chart of credit card payments on the Internet. When a user purchases a product from the PC via the Internet, the store web server requests a payment gateway (PG) server, the PG server makes a payment request to a card company (VAN) server, and receives the payment result and stores it in the PG company database. Notify the store web server. The store web server stores the payment results in the store database and displays them on the user's PC and ends processing. Although the data is encrypted by sending and receiving payment data, there is a problem in that it is vulnerable to hacking because it uses a weak computer and internet network. In particular, credit card transactions using PCs in public places are concerned about the leakage of personal information.

2 is a flowchart of mobile phone payment in the Internet. When a user purchases a product through the Internet through a mobile phone payment on a computer, the store server requests an authentication number from a payment gateway server. When the PG server requests an authentication number from a mobile payment provider server, the store server generates an authentication number. If the user requests a payment by registering an authentication number on the computer, the store server requests the payment from the PG server, the PG server requests the payment from the mobile payment provider server, and the mobile payment provider server sends a request to the mobile carrier server. It requests to make a payment, receives the payment result, passes the PG server, and displays the payment result on the user's computer through the store server. In some cases, a PG server and a mobile payer server are integrated. At this time, there may be inconvenience and personal information leakage problem to enter the mobile number and social security number in order to receive the authentication number through the user's mobile phone, SMS text delivery does not guarantee the real-time and authentication number within 60 seconds after SMS authentication If you do not enter, there is a limit to cancel the transaction.

3 is a flow chart connecting a credit card and bank transfer payment approval system to the existing mobile phone payment method in the current Internet. When a user purchases a product through the Internet through a mobile phone payment on a computer, the store server requests an authentication number from a payment gateway server. When the PG server requests an authentication number from a mobile payment provider server, the store server generates an authentication number. If the user requests a payment by registering an authentication number on the computer, the store server requests the payment from the PG server, the PG server requests the payment from the mobile payment provider server, and the mobile payment provider server sends a request to the mobile carrier server. A customer who requests payment (named as a payment agent service method including a mobile payment provider server and a mobile carrier server) and does not apply for direct debit receives a payment result from the mobile carrier server, passes the PG server to the user's computer through the store server. The payment result is displayed and is to be terminated. If the customer who applied for direct debit approves payment by direct debit method for each transaction, the mobile payer server requests the payment from the mobile carrier server and the mobile carrier server accepts credit card and bank transfer payment approval systems (primarily card companies and Request a payment to a bank server), receive the payment result, and display the payment result on the user's computer via the store server via the PG server. In some cases, a PG server and a mobile payer server are integrated.

As described above, in the mobile phone bill connection payment (aka phone bill), there is a limit on the amount used, so selecting a mobile phone bill connection payment method for the transaction selected by the user; Requesting a payment for connecting with a mobile phone fee to a corresponding mobile phone (including a smartphone); The payment agent service means (mobile carrier or payment agent server) selecting a credit card (for example, credit card automatic transfer) or account transfer connected with the mobile phone bill payment; Requesting the payment of the amount charged in connection with the transaction linked to the mobile phone fee to the credit card and bank transfer payment approval system; Processing and transferring a corresponding payment approval result in a credit card and bank transfer payment approval system; It is configured to display the result of payment processing on the mobile phone is provided with a mobile phone bill-linked payment service in which payment is made by linked credit card and account transfer for each transaction payment. At this time, in the step of requesting the payment associated with the mobile phone charges to the mobile phone (including the smartphone), the user selects and approves the credit card and account transfer that connected the payment with the mobile phone; Requesting a billed payment associated with a mobile phone fee to a corresponding credit card and wire transfer payment approval system; Processing and transferring the payment approval result in the credit card and bank transfer payment approval system; The payment processing result is displayed on the mobile phone so that the user can approve the linked credit card and account transfer to provide the mobile phone fee connection payment service. In this case, payment is made through credit card and account transfer connected to the mobile phone (including smartphone), so you do not need to enter at least one of a mobile phone number, social security number or card number when paying by credit card. Credit card and bank transfer payment services are provided using a mobile phone, which is configured to approve a transaction and does not require input of credit card information. In other words, in the step of linking payments for a certain amount of transactions to mobile phone charges, the direct debit for each transaction related to the transaction linked to the mobile phone (including smartphone) fee to the credit card and direct debit payment authorization system. It consists of the steps of automatically requesting and processing the credit card and bank transfer to the mobile phone bill connection payment service to pay immediately by credit card and bank transfer for a certain amount or more of the payment, or the user transfers the credit card and bank transfer The payment approval system may be configured to approve and process a billed payment for each transaction related to a transaction connected to a mobile phone (including a smartphone) fee. The credit card payment service associated with the mobile phone (including smartphones) can be entered into the application that is filled out when the mobile operator signs up or changes the mobile phone. If you want to pay more than a certain amount of transactions by mobile phone to provide an automatic connection service to pay the transaction with the selected credit card. Alternatively, a step of inputting a plurality of credit cards that are newly connected with the mobile phone bill in the application prepared by the mobile carrier when the mobile phone (including smartphone) subscription and change; Requesting payment for linking the transaction selected by the user to the mobile phone fee; The user is configured to select a credit card to pay on the mobile phone screen, so that the credit card payment service is configured in the mobile phone in which the user does not need to input credit card information. In order to support the item purchase code of the same form as the SS code, the step of requesting the payment to connect the mobile phone bill to the corresponding mobile phone (including smartphone); Inputting an item purchase code (eg, SS code) into a mobile phone by a user; Displaying transaction information corresponding to a product purchase code on a mobile phone screen; The user confirms the transaction information and configures the mobile phone fee connection payment. Selecting a mobile phone bill connection payment method for a transaction selected by the user since the user may not initially recognize a payment method for calculating a mobile phone bill; Requesting a payment connected with a mobile phone fee to a corresponding mobile phone (including a smartphone); The payment agent service means (mobile carrier or payment agent server) consists of displaying credit card (for example, credit card automatic transfer) or account transfer method connected with the mobile phone bill payment registered by the user on the mobile phone screen. You can configure it to tell you how.

In this way, the payment method for each transaction is applied to the wireless Internet payment using the current SMS micropayment or callback URL text service. Selecting a mobile phone bill connection payment method for a transaction selected by a user when a payment is to be made while using the Internet; Receiving a payment request for connecting to a mobile phone fee to a corresponding mobile phone (including a smartphone) and downloading an authentication code to the mobile phone; Inputting, by the user, an authentication code delivered to a mobile phone into an internet payment window; The payment agent service means (mobile carrier or payment agent server) selecting a credit card (for example, credit card automatic transfer) or account transfer connected with the mobile phone bill payment; Approving the credit card and bank transfer that the user connected the payment with the mobile phone; Requesting the payment of the amount charged in connection with the transaction linked to the mobile phone fee to the credit card and bank transfer payment approval system; Processing and transferring a corresponding payment approval result in a credit card and bank transfer payment approval system; It is configured to display the payment processing result in the mobile phone and the Internet payment window in use. Selecting a mobile phone bill connection payment method for a transaction selected by a user when a payment is required using a callback URL text service; Requesting a payment connected with a mobile phone fee to the mobile phone (including a smartphone), and downloading a callback text service including transaction information and access information to the mobile phone; Executing a payment program on a mobile phone by a user; The payment agent service means (mobile carrier or payment agent server) selecting a credit card (for example, credit card automatic transfer) or account transfer connected with the mobile phone bill payment; Approving the credit card and bank transfer that the user connected the payment with the mobile phone; Requesting the payment of the amount charged in connection with the transaction linked to the mobile phone fee to the credit card and bank transfer payment approval system; Processing and transferring a corresponding payment approval result in a credit card and bank transfer payment approval system; It is configured to display the payment processing result on the mobile phone and the operating system (server or mobile phone) of the payment destination.

At this time, in the method for notifying the user of each transaction in the credit card and bank transfer payment approval system for processing the billing payments associated with the transaction associated with the mobile phone (including smartphone) fee; The mobile phone may be configured to notify a message service (for example, SMS) of a payment processing result for each transaction. While making a payment through the wireless Internet, the user can check the payment process, but can check again by text message after the payment is completed. However, the text message is limited to 80 characters of the message content and should be deleted by the user from time to time, and it is difficult to systematically organize, store and classify the messages. If you edit and send a payment message by e-mail, you can manage it systematically with a mail program such as Outlook and keep it until you need it without deleting it. Or it can be delivered via messenger. Recently, as the spread of smart phones is activated, it is possible to check the mail management and mobile messengers in the form of alarms on a smartphone at any time, and thus it is possible to change the current text message notification method. While using e-mail, financial institutions and the like can reduce the shipping cost, and users can always be notified via wired or wireless (computers and mobile phones). The user fee burden problem may also be substantially lower than text messages due to the data flat rate plan in recent years, and may be reduced or reduced by the calling agency. In other words, in the financial transaction and payment, purchase and delivery of goods, and personal authentication-related messages in the mobile phone, the user selects an email or a messenger method rather than a mobile phone (including a smartphone) text message in a manner of receiving the notification. ; A financial transaction and payment, purchase and delivery of goods, and an operation server related to personal authentication, forming data to be delivered to a user; A financial transaction and payment, purchase and delivery of goods, and an operation server related to personal authentication, sending data to be delivered to a user by email or messenger; Informing the mobile phone that data related to financial transactions and payments, goods purchase and delivery, and personal authentication have been received through a messenger or an email; It consists of the user checking the data via messenger or email on the mobile phone. At this time, the user checks the data via a messenger or email to the mobile phone; If you establish a service and server that notifies you of confirmation, or adds a message to be forwarded and sends it to the sender server, the service and server that notifies you by e-mail and messenger confirming receipt of data related to financial transaction and payment, purchase and delivery of goods, and personal authentication Institutions can increase the reliability through acknowledgment and minimize complaints by receiving and processing messages from customers. The notification message received by the current SMS is composed of about 80 characters or less simply to improve the low reliability, financial transaction and payment, purchase and delivery of goods, personal authentication related operation server to form data to be delivered to the user; If the data to be delivered is organized according to various document formats rather than simple text messages, it is expected that the notification data can be systematically managed and classified. Although the current SMS method is being serviced for mobile phones, it is reasonable to change to email and messenger for smartphones that use wireless data. Smartphones are expected to replace most mobile phones within a few years. Switching to e-mail and messenger is not only a benefit not only on mobile phones but also on computers, but also in terms of storage, classification, and cost.

1: Payment agency service means 2: Credit card and bank transfer payment approval system

Claims

In mobile phone bill connection settlement (aka von Villeville) with a limit of the amount of use,
Selecting a mobile phone connection payment method (e.g., mobile phone bill direct debit) for the transaction selected by the user;
Requesting a payment for connecting with the mobile phone to the mobile phone (including the smartphone);
The payment agent service means (mobile carrier or payment agent server) selecting a credit card (for example, credit card automatic transfer) or account transfer connected with the mobile phone;
Requesting payment of the amount charged in connection with the transaction to the credit card and bank transfer payment approval system;
Processing and transferring a corresponding payment approval result in a credit card and bank transfer payment approval system;
Mobile phone connection payment service and server system where payment is made by linked credit card and bank transfer for each transaction payment characterized by displaying the payment processing result on the mobile phone

The method of claim 1,
Requesting a payment for connecting with the mobile phone to the mobile phone (including the smartphone);
Selecting and approving a credit card and account transfer connected with the mobile phone by the user;
Requesting a payment charged to a corresponding credit card and wire transfer payment approval system;
Processing and transferring the payment approval result in the credit card and bank transfer payment approval system;
The mobile phone connection payment service and server system in which a user makes a payment by approving a connected credit card and account transfer.

The method of claim 1
Payments will be made by credit card and bank transfer associated with the phone (including smartphones).
When paying with a credit card, you do not need to enter at least one of a mobile number, social security number or card number.
Credit card and bank transfer payment service using a mobile phone that does not need to enter the credit card information, characterized in that the transaction is approved only by entering the set password

The method of claim 1
Linking a payment with a mobile phone for a certain amount or more of a transaction;
It automatically consists of requesting and processing the credit card and bank transfer that are automatically related to the user's transaction. Mobile payment service for instant payment by credit card and bank transfer

The method of claim 1
Linking a payment with a mobile phone for a certain amount or more of a transaction;
The process consists of approving and processing payments related to a user's transaction in the credit card and bank transfer payment approval system for each transaction. Mobile Connected Payment Service

The method of claim 1
The credit card payment service associated with the phone (including smartphones)
If you have a credit card designated for paying your mobile phone bill, you will be offered the automatic linking service to settle the transaction on your credit card when you make a payment for a certain amount of money on your phone. Credit card payment service

The method of claim 1
Inputting a plurality of credit cards connected to a mobile phone in an application to be filled out when a mobile phone company includes a mobile phone (including a smartphone);
Requesting payment for linking the transaction selected by the user to the mobile phone;
Credit card payment service in the mobile phone does not need to enter the credit card information, characterized in that the step of selecting a credit card to pay on the mobile phone screen

The method of claim 1,
Requesting a payment for connecting with a mobile phone fee to a corresponding mobile phone (including a smartphone);
Inputting an item purchase code (eg, SS code) into a mobile phone by a user;
Displaying transaction information corresponding to a product purchase code on a mobile phone screen;
Mobile phone payment service that does not require you to enter your credit card and account information during transaction input item purchase code, characterized in that the user confirms the transaction information and approves the connection payment with the mobile phone

The method of claim 1
Processing the billed payment for each transaction associated with a mobile phone (including a smartphone) connected to the credit card and wire transfer payment approval system;
The message service that notifies the mobile phone charge connection payment of each transaction about the mobile phone charges.

The method of claim 1
Selecting a mobile phone connection payment method for a transaction selected by the user;
Requesting a payment for connecting with the mobile phone to the mobile phone (including the smartphone);
The payment agent service means (mobile carrier or payment agent server) comprises the step of displaying the credit card (for example, credit card automatic transfer) or account transfer method connected to the mobile phone registered by the user on the mobile phone screen. Mobile payment service that tells you which mobile payment plan you can choose

If you need to pay while using the Internet
Selecting a mobile phone bill connection payment method for the transaction selected by the user;
Receiving a payment request for connecting to a mobile phone fee to a corresponding mobile phone (including a smartphone) and downloading an authentication code to the mobile phone;
Inputting, by the user, an authentication code transmitted to a mobile phone into a wired / wireless internet payment window;
The payment agent service means (mobile carrier or payment agent server) selecting a credit card (for example, credit card automatic transfer) or account transfer connected with the mobile phone bill payment;
Approving the credit card and bank transfer that the user connected the payment with the mobile phone;
Requesting the payment of the amount charged in connection with the transaction linked to the mobile phone fee to the credit card and bank transfer payment approval system;
Processing and transferring a corresponding payment approval result in a credit card and bank transfer payment approval system;
Mobile phone bill connection payment service and system where payment is made by linked credit card and bank transfer for each transaction payment, which displays the result of payment processing on the mobile phone and the wired / wireless internet payment window in use.

If you need to pay using a mobile phone
Selecting a mobile phone bill connection payment method for the transaction selected by the user;
Requesting a payment connected with a mobile phone fee to the mobile phone (including a smartphone), and downloading a callback text service including transaction information and access information to the mobile phone;
Executing a payment program on a mobile phone by a user;
The payment agent service means (mobile carrier or payment agent server) selecting a credit card (for example, credit card automatic transfer) or account transfer connected with the mobile phone bill payment;
Approving the credit card and bank transfer that the user connected the payment with the mobile phone;
Requesting the payment of the amount charged in connection with the transaction linked to the mobile phone fee to the credit card and bank transfer payment approval system;
Processing and transferring a corresponding payment approval result in a credit card and bank transfer payment approval system;
The mobile phone bill connection payment service and system, which displays payment results on the mobile phone and the operating system (server or mobile phone) of the payment destination.

In the notification of financial transactions and payments, purchase and delivery of goods, and personal authentication messages on mobile phones,
Selecting an email or a messenger method other than a mobile phone (including a smartphone) text message in a manner of receiving the notice;
A financial transaction and payment, purchase and delivery of goods, and an operation server related to personal authentication, forming data to be delivered to a user;
A financial transaction and payment, purchase and delivery of goods, and an operation server related to personal authentication, sending data to be delivered to a user by email or messenger;
Informing the mobile phone that data related to financial transactions and payments, goods purchase and delivery, and personal authentication have been received through a messenger or an email;
Services and server systems that notify users of data related to financial transactions and payments, purchase and delivery of goods, and personal authentication data by e-mail and messenger, characterized in that the user checks the data through messenger or e-mail with a mobile phone.

The method of claim 13,
Verifying data through a messenger or an e-mail on a mobile phone;
Services and servers notifying by e-mail and messenger confirming receipt of data related to financial transactions and payments, purchase and delivery of goods, and personal authentication related data, characterized in that it is sent to the sender server by adding or forwarding a message to inform the confirmation.

The method of claim 13,
A financial transaction and payment, purchase and delivery of goods, and an operation server related to personal authentication, forming data to be delivered to a user;
Services and servers that edit and send data related to financial transactions and payments, purchase and delivery of goods, and personal authentication data by organizing data to be delivered in a variety of document formats rather than simple text messages.