KR100466400B1 - Method for approving electronic commerce using the short message service and system therefor - Google Patents

Abstract

PURPOSE: A method and a system for approving electronic settlement using the SMS(Short Message Service) are provided to simplify a settlement process to enable a mobile communication subscriber to use a service offered by a cyber mall. CONSTITUTION: A mobile communication terminal(12) is registered to a mobile communication businessman. A cyber mall server(20) has a goods database(22) storing the information for goods to sell to the subscriber and a sales database(23) storing the sales information. A mobile communication subscriber computer(10) has the mobile communication terminal(12) equipped with a program needed to connect to the cyber mall server(20) and a subscriber certification key generating program. A mobile communication businessman server(40) has a subscriber database(42) storing the terminal information of the subscriber and the reception particulars. A settlement approval server(30) provides the subscriber certification key generating program to a subscriber computer and has a processor generating an approval vale by receiving the subscriber information form the mobile communication businessman server(40). A tool transmits the approval value as a short message to the terminal(12).

Description

Electronic payment authorization method using the short message service system and {Method for approving electronic commerce using the short message service and system therefor}

The present invention relates to a method an electronic payment approval in e-commerce, and relates to a the system, particularly, payment authorization, using a short message which simplifies the payment process using the mobile communication terminal to use the service provided by the cyber mall method and It relates to the system.

That e-commerce is that in whole or in part, in trade in goods and services processed by electronic means such as electronic document exchange, the product the customer to connect to the virtual store, and soon cyber mall to the device connected to the Internet and computers you want to buy If you find the transfer in purchasing the cyber mall, and pay for using a credit card, prepaid cards and wire and so on.

However, in In payment to a conventional e-commerce, when using a credit card by entering the numbers directly and anxiety are exposed card information, if you use a prepaid card must be purchased in advance cards and lost when find the remaining amount you can not, if EFT has the inconvenience of visiting a doctor after passing purchased separately for goods directly to the bank or the like telephone banking (telebanking) must be deposited into the account of the cyber mall. Above all, there is an e-commerce using the cyber mall in terms of prepayment disadvantages that can not be activated in the State failed to secure the product.

Accordingly, the object of the present invention is a mobile communication subscriber to which the short message service simplified as compared to the billing process in the prior art to use a predetermined service provided by a given cyber mall: electronic payment using (SMS Short Message Service) It has approved way to provide.

The present invention is to provide a system that is used for the electronic payment authorization method.

1 is a schematic configuration of an electronic payment approval system using a short message service according to an embodiment of the present invention.

2 is a flow chart showing the electronic payment authorization method using a short message service according to an embodiment of the present invention.

3a and 3b after the electronic payment authorization, shown in Figure 2 shows a flowchart of a payment amount of payments.

Figure 4 is a block diagram showing the authorization process in the electronic payment authorization system shown in Fig.

In order to achieve the above-mentioned technical problem, the present invention a) providing a subscriber authentication key generation programs to generate the authentication key, the checkout process by the subscriber station in a mobile communication subscriber through a predetermined communication network computer; b) payment authorization server while receiving input the issued requests and password for identification of the predetermined services provided by the cyber mall server from a predetermined cyber mall server that the mobile subscriber computer connected through the predetermined communication network step of receiving the predetermined information necessary for billing with the subscriber station from the subscriber computer via the subscriber authentication key generation program is installed in the subscriber computer; c) the payment authorization server requesting the subscriber information for the subscriber station to the network operator server from among the predetermined information; d) wherein said mobile operator server sends to the payment authorization server extracts the subscriber information stored in the subscriber database; e) step of the payment authorization server generates the grant value by evaluating the credit rating of the subscriber information received from the mobile service provider's server, and send the grant value to the mobile communication server; f) the network operator server transmitting to the subscriber station converts the grant value to the short message; And g) receives the grant value from the subscriber computer, wherein the input authorization value and a grant value sent to the mobile communication server, the same comparison whether, if the authorization values ​​are the same to determine the authorization the cyber mall server to provide an electronic payment authorization method using a short message service comprising the step of transmitting authorization result.

Said step b) said payment authorization server if the first mobile communication subscriber is the mobile subscriber you have not created the password, received by connecting to the said payment authorization server, a subscriber via the network down to the subscriber authentication key generation program and , further comprising the step of causing the mobile communication installed in the subscriber computer.

Said step b) said payment authorization server to the next, the subscriber connected to the payment authorization server via the ARS for the subscriber A, but download and install the subscriber authentication key generation program, forget the password generated during the installation through for a predetermined identification procedure jugeona by registering the forgotten password, and a step to register the new password by more.

It limits the password to re-enter the process according to the password input error for the identification a predetermined number of times.

The service is a credit card payment services or financial services related to the general goods purchased with the reality provided by the cyber mall server, the financial services are, for example, bank transfer service.

In order to achieve the above another aspect, the invention is registered to the network operator and the mobile terminal is available; Provided with a product database and the sale database to store information, sales information is stored for the product to sell to a subscriber connected to the mobile communication network through a predetermined cyber mall server; Moving the mobile communication terminal held by the program required for connection to the cyber mall server via the communication network and the subscriber is provided a process of generating the user identity key to the authentication key generated by the program to purchase the goods communication subscriber computer; A mobile operator server includes a subscriber database that is stored is stored according to the history information and the use of the terminal of the mobile subscriber; The subscriber computer provides the subscriber authentication key generation program for payment authorization for the product to which the mobile subscriber purchases through the cyber mall server receives the subscriber information from the mobile communication server to generate the approved value comprising a processor, payment authorization server; The payment authorization server generates a grant value by sending to said mobile operator server, comprising: means for the terminal of the mobile subscriber to send the acknowledgment value to the short message; And said payment authorization server receives the acknowledgment value from the subscriber computer, when the grant value are the same as compared to whether or not the approved value transmitted to the input authorization value and the mobile operator server same wherein the authorization result cyber mall server provides an electronic payment approval system using the short message service, it characterized in that it comprises means for transmitting to.

This With payment authorization method and system according to the present invention, the user to use the services provided by the cyber mall has entered the payment password, mobile short message (authorization code) provided from the communication server a payment authorization server It can be used in the service by typing. Since the end, the service user can actually utilize the service by entering only the payment password, billing procedures related to the service of the service user becomes much simpler than the conventional. In addition, users just to be careful not to pay their password but not exposed, and others to minimize the anxiety of the credit exposure, can prevent the use of services in their own name.

See below, e-payment authorization using the short message according to an embodiment of the method of the present invention and the accompanying drawings, the system will be described in detail.

1 is a schematic configuration of an electronic payment approval system using a short message service according to an embodiment of the present invention.

1, the electronic payment authorization using the short message service system according to the invention the mobile subscriber computer 10, the subscriber station 12, the cyber mall server 20, payment authorization server 30, the mobile communication It includes a service provider's server 40 and the communication network 50 connecting them. Cyber ​​mall server 20 may be a financial institution that provides general malls and financial services, such as on-line services such as money transfer to the sales through the on-line product with a substance server. Mobile subscribers computer, process, receiving a cyber programs need to connect to the mall server 20, for example, applications, cyber mall (20) to buy the product or a financial service through such as a web browser via the network (50) (hereinafter referred to as a subscriber authentication key generation program) programs to generate the authentication keys required in or the like is installed. Accordingly, the mobile subscriber who owns the terminal 12 can purchase goods by connecting to the cyber mall server 20 with the subscriber computer 10. Mobile subscribers is placed to register with the user identity key generation program is installed while the information necessary for payment using a mobile communication terminal 12 with, and to also enter the payment password to be used when a payment application payment authorization server (30). Information required for the payment will depend on the nature of the cyber mall to be used.

For example, if you sell the whole thing with the one entity lines mall Statement subscribers with information necessary for the payment, the subscriber owns a mobile communication terminal (12) numbers, social security numbers, addresses, payment password, contacts, e-mail address (E-mail), but could be, such as when you want to use banking services (such as bank transfer) provided by financial institutions, the bank name to account transfer these information, bank account numbers, account passwords, etc. It is added, if the subscriber has selected a credit card as the payment method there are additional credit card number, card passwords, expiration date, etc.

This information, as well as the subscriber computer 10 is stored in the payment authorization server (30). The information on the seminal payment authorization server (30) Later, when the subscriber access to the cyber mall, is used as reference material for identification. For example, the subscriber computer 10 with an input payment password if you are a subscriber, enter the payment password to the subscriber computer 10 to use a paid service to purchase goods needed by the cyber mall or provided by the cyber mall the stored information are transmitted to the payment authorization server (30). Payment authorization server 30 is the subscriber to check whether a person primarily by comparing the information sent at the time of the information and the subscriber authentication key generation program is installed so transmitted.

Subsequently, the subscriber computer 10 as an input device that can stuff the purchase order is connected to the cyber mall server 20 via the network 50 by the execution of the program, a desktop computer, a laptop computer, paptap computer and such as a personal digital assistant (PDA) it can be. Cyber ​​mall server 20 while provided with a sales database (DB) (23) which stores the Save the Item Database (DB) (22) and the mobile subscribers to sell sell information about your purchase and it requests the payment authorization to the payment authorization server (30) to the payment for the goods to be purchased by a request from the mobile subscriber computer 10. Payment authorization server 30 provides the mobile communication subscriber is the mobile subscriber computer 10, the subscriber authentication key generation program on through the network (50) if desired. And payment authorization server 30 is that when the subscriber is connected via the ARS for the payment password check according to the payment password is lost, indicating a password the loss through a predetermined identification procedure, or register a new payment password be able to. In addition, payment authorization server (30) which users of the cyber mall said the settlement is causing the password input error, in order to prevent their damage owned by the payment password to restrict the payment password, re-enter the number, or the day It may limit the number of attempts. Payment authorization server (30) is provided with a processor (31) for a payment authorization for the purchase order of the subscriber input via the cyber mall server 20, a member database 32, payment database 33, etc. . Payment authorization server 30 requests the subscriber information about subscribers in the mobile operator server 40 and receives the result. And based on the subscriber information to determine approval for the purchase of the goods subscribers. Then, the network operator 40 causes the short message service according to the authorization result; transmits the grant value to the terminal 12 of the mobile subscribers using the (short message service SMS).

Mobile operator server 40 and a subscriber information, for example terminal numbers stored in the history, such as the subscriber database 42 which information is stored. In addition, extracts the subscriber information by the request of the payment authorization server 30 from the subscriber data base 42 to give and transmits it to the payment authorization server 30, the subscriber a given authorization value sent from the payment authorization server 30, the terminal ( in 12) by using a short message service and transmits to a wireless communication network (52). Cyber ​​mall server 20 sends receives the approved value received in the mobile communication terminal 12 from the subscriber to the payment authorization server (30). Payment authorization server 30 is authorized by comparing the values ​​sent to an approved value and the network operator 40 transmitted from the cyber mall server 20. If the comparison results in a match, and then stores, payment database 33 transmits the approval result to the cyber mall server 20 and the mobile communication server (40).

On the other hand, the approved values ​​do not match, payment authorization server 30 so that the approval is rejected cyber mall server 20 and mobile communication to inform the service provider's server (40) is not authorized subscriber of the goods purchased. Once approved for the purchase order determined in this way, the cyber mall server 20 and to deliver the goods ordered by the subscriber to the subscriber, and stores that sell information to the sales database (23).

Network in the present invention (50) is the Internet (internet) networks that connect the globe using the TCP / IP (Transmission Control Protocol / Internet Protocol) protocol. Such as a wireless communication network 52 is a CDMA (code division multiple access), TDMA (time division multiple access), employing the IMT2000 system, such as cell phones (hand held phone), a cellular phone (cellular phone), a mobile phone (mobile phone) It refers to a network that can transmit voice, video and data to a portable radio telephone.

Thus, by giving to the mobile subscriber is authorized to use the subscriber information that is provided by your network operator server 40 and the payment of the purchase order item in the payment authorization server (30), a subscriber such as a separate credit card and wire transfer It is not to use unnecessary payment methods can be easily purchased product, the cyber mall server 20 is able to reduce discomfort due to receipt to claim the payment amount to the goods the buyer is able to activate the e-commerce.

In the following, with reference to the accompanying drawings an electronic payment authorization method using a short message service according to an embodiment of the present invention will be described in detail.

2 is a flowchart illustrating the electronic payment authorization method using a short message service according to an embodiment of the present invention, Figure 4 is a block diagram showing the authorization process in an electronic payment authorization system according to the present invention.

If 1, 2 and 4, the electronic payment approval procedure according to the invention down to a connection to a payment authorization server 30 via the mobile subscriber network 50, and then, the subscriber authentication key generation program take it installed on their computer (10) (S120). In this process type with the payment information using a mobile communication terminal as described above. Payment authorization server (30) and stored thus receives the input information. Since in this process the information on subscribers registered in the payment authorization server (30), a separate registration process for the subscriber is not necessarily required.

The subscriber authentication key generated by the mobile subscriber computer 10, the program is installed in a communication subscriber via a communication network 50 connected to the cyber mall server 20 and then, the purchase order for the product (S130).

If the subscriber makes a purchase order, it is moved to the payment page (not shown) to make payments on bills. Here, whether to make a payment by the subscriber of the mobile communication terminal using the authentication key is generated from the subscriber authentication key generation program select whether to pay for a conventional credit card payment.

Next, the subscriber input via the authentication key and the mobile communication if terminal using to pay for, enter the governments of, payment password input by installing the subscriber authentication key generation program window on (S140) . At this time, if you lose the payment for the password does not remember, by using the ARS (auto response service) through the telephone network connected to a payment authorization server 30 it can be seen through the predetermined identification procedure.

The subscriber through the cyber mall server 20 for the service to purchase or use order on the payment authorization server (30) cyber mall server 20 while inputting the payment password to the payment authorization server (30) receiving the subscriber enters the password input receives the payment at the same time also transferred with information about the purchase price or service fee and the merchant number (S140).

Payment authorization server 30 requests the subscriber information on the subscriber input via the cyber mall server 20 to the mobile communication server (40) (S150).

Network operator server 40 extracts the requested subscriber information from the subscriber database 42 is transmitted to the payment authorization server (30) (S160). The access information and the like with the terminal number stored history of the subscriber.

Payment authorization server 30 determines the limit, such as payment of the subscriber based on the subscriber information of the received (S170). Here, if the payment authorization server (30) to assess the credit rating of the subscriber in accordance with the membership database (32) provided it is determined that the subscriber is unsuitable for the payment for the goods purchased are the cyber mall server (20 ) that sends a payment authorization rejected by (S180).

On the other hand, payment authorization server (30) If it is determined that the subscriber depending on the credit rating of the subscriber suited for the payment of the purchase order in the cyber mall server 20 includes a processor 31, which includes its own by the use of the algorithm to generate a grant value by storing and transmitting to the mobile communication server (40) (S190).

The mobile operator server 40 sends to the mobile communication terminal 12 by using the accepted values ​​for Short Message Service (SMS) received from the payment authorization server (30) (S200). At this time, the transmission path is preferably used for a wireless communication network (52).

The subscriber inputs on the payment page, which is the accepted value received on terminal 12 from the computer 10, the cyber mall server 20 through a (S210). Cyber ​​mall server 20 sends the accepted values ​​subscriber enters a payment authorization server (30) (S220).

Said payment authorization server 30 compares the authorization value sent to an approved and the value carriers are transferred from the cyber mall server (20) (S230). Here, it is sent to the cyber mall server 20 that case the grant values ​​do not match, the payment authorization rejected (S180).

On the other hand, when the grant value to match payment authorization server 30 is to accept a payment notice to the authorization result to the cyber mall server 20 and the mobile communication service provider's server (40) (S240). Here, the approval result is stored in the payment database 33 provided in the payment approval server 30, and stored in the subscriber database 42 of the network operator server 40. Thus, the mobile communication server (40) receives the payment amount to transfer the payment amount to the cyber mall server 20, and approved the payment authorization server (30) below is a subscriber to store information on goods purchased each because when you need to compare transfer fees.

In addition, the cyber mall server 20 stores the results approved for sale in the database (23), and passing an approved payment products to subscribers (S250).

Next, it will be described as the process of paying the cash payment for the goods purchased by the subscriber Figures 3a and 3b below.

Figure 3a Referring with as a flowchart illustrating a process of receiving a payment amount from the subscriber according to the first embodiment of the present invention, Figure 4, the network operator server 40 received by charging the payment amount to the subscriber (S310). Here, the network operator server 40 regular date, for example, charged by adding the payment amount to the mobile terminal access to the subscribers once a month. Mobile operator server 40 transfer funds excluding housing agency fee of receipt of the payment amount to the payment authorization server (30) (S320). Also payment authorization server (30) transfer the remaining payment amount than the amount calculated for some of the payment amount received payment from the mobile communication server (40) to approve fees cyber mall server (20) (S330).

Giving approved in cyber mall server 20 Network 50, a mobile payment authorization server 30 and the subscriber has finished the payment already members registered for the purchase order item connected through the steps described above, the subscriber credit you can purchase goods without going through a separate payment procedures, including through the card or wire transfer, cyber mall server 20 is able to reduce the discomfort of the settlement and housing for the goods sold.

On the other hand, Figure 3b is a second embodiment of example shown represents the step of receiving a payment amount from the subscriber according to the flow chart, Figure 4 a payment authorization server 30, the cyber mall server 20, as shown by a broken line in the present invention to be received by a charge to the subscriber payment for the purchased goods delivered by the subscriber (S350).

The payment authorization server (30) transfer the payment amount received by some amount of mobile communication usage fee information provider server (40) and short message service (SMS) of the fee (S360). In addition, payment authorization server (30), except Remit payment for additional fees approved by a cyber mall server (20) (S370).

As described above, because it has been approved for payment for goods purchased from the mobile subscriber in electronic commerce and payment authorization server (30) that act for accommodating cyber mall server 20 may increase product sales, mobile the communication server (40) can be monetized through a short message service (SMS) whenever it is necessary to approve payment for the goods sold.

To, payment authorization method after the user to use the services provided by the cyber mall will enter payment password, a short message payment authorization server (approval number) provided by the mobile operator server according to the present invention, as described above It can utilize the service by typing. Since the end, the service user can actually utilize the service by entering only the payment password, billing procedures related to the service of the service user becomes much simpler than the conventional. In addition, users just to be careful not to pay their password but not exposed, and others to minimize the anxiety of the credit exposure, can prevent the use of services in their own name.

Cyber ​​mall side allows the buyer of the mobile subscriber can expect e-commerce to sales growth is able to be activated by allowing easy access to the payment for the goods sold, without incurring extra labor for receiving payments from buyers the payment amount is able to receive.

Mobile operators are able to get by giving it sends an authorization value toward the subscriber's terminal whenever e-commerce is mobile subscribers in the cyber mall, short message service (SMS) fees and housing agency fee income effect of revenue increase that it is possible.

Payment authorization server, giving the agency a payment authorization for the product sales from the cyber mall can get approval fee income, gives provides a short message service fees and housing agency fee revenues to mobile operators, the purchase price for mobile subscribers there is an effect that helps to easily purchase the goods by making payments in arrears.

Claims (13)

1. a) payment authorization step of the server provides the user identity key generation programs to generate the authentication key to be used during the checkout process with the subscriber station in a mobile communication subscriber through a predetermined communication network computer;

   b) the subscriber said authentication key generator to at least a mobile communication terminal number used, social security number, and generates the authentication key by the authentication information including the payment password, which the other hand, the payment authorization server stored in the subscriber computer the communication network through the steps of receiving and storing the verification key sent from the authentication key generation program;

   c) If the issued request to the predetermined pay service from a subscriber computer connected to a predetermined cyber mall server, the authentication key generation program comprising: receiving the request for a password is generated when a subscriber authentication key input;

   d) receiving a service fee and a number to the merchant to match the condition of the password, the payment authorization server receiving the authentication information included in the authentication key from the subscriber computer the other hand, the cyber mall server to a parameter;

   e) receiving, by requesting the subscriber information of the payment authorization server receives the authentication information and the stored authentication information to the mobile communication server by the authentication information, the authentication that the subscriber receives the I prepared;

   f) the subscriber by payment authorization server receives the subscriber information through the mobile bill assess the credit that can pay the service fees in arrears and, as a result, if it is determined that the credit for the deferred payment approval values generation, and the grant value by using the short message service of the mobile communication server sending to the subscriber mobile communication terminal;

   g) receiving a grant value to the cyber mall server a payment authorization server via a grant value input screen is provided to the subscriber computer to the medium, it is determined to match the approved value transmitted to the input authorization value and a short message service, as a result, if the values ​​are the same authorized sending an authorization result to the cyber mall server to determine the payment authorization for a service fee; And

   h) the payment authorization server storing the payment authorization; using the short message service comprises an electronic payment authorization method.
2. According to claim 1, before proceeding to step b),

   Said payment authorization server if the first mobile subscriber the mobile communication subscriber has not generated the authorization key, received by connecting to the said payment authorization server down to the subscriber authentication key generation program, the subscriber through the network, then the mobile electronic payment authorization method using the short message service according to claim 1, further comprising the step of the installation on the subscriber computer.
3. According to claim 1,

   The payment authorization server, a subscriber but download and install the subscriber authentication key generation program, for a subscriber lost the password you created during the installation, the subscriber is connected to the payment authorization server via the ARS, then the subscriber electronic payment authorization method using a short message service according to claim 1, further comprising the step giving to register a new password jugeona by registering the forgotten password through a predetermined procedure for the identification.
4. The method of claim 1 wherein in step c),

   Short electronic payment authorization method using a message service, characterized in that to limit the password to re-enter the process according to the password input error for the identification a predetermined number of times.
5. The method of claim 1 wherein after the h) Step

   i) the payment authorization server sending a payment authorization to the mobile communication server;

   j) The cyber mall server providing the payment authorization service receives the transmission acknowledgment result to the subscriber computer; And

   k) The mobile operator server, the method comprising: receiving deposits the amount that the sum of payment for the services of the subscriber to the subscriber terminal fees from subscribers, transfer funds, except housing agency fee of the payment to the payment authorization server electronic payment authorization method using the short message service further comprises.
6. 6. The method of claim 5, after the k) step,

   The payment authorization server electronic payment authorization method using the short message service, characterized in that the transfer amount, except for approval of fee payment received payment from the mobile communication server to the cyber mall server.
7. The method of claim 1 wherein after the h) step,

   i) wherein the cyber mall server delivers the payment authorization service receives the transmission acknowledgment result to the subscriber; And

   j) the payment authorization server using the short message service, characterized in that the amount received deposit payment from the subscriber, excluding the housing agency fee and approval fees for the service of the subscriber comprises the transfer Cyber ​​Mall electronic payment authorization method.
8. The method of claim 7, wherein j) comprises:

   The payment authorization server electronic payment authorization method using the short message service which comprises a portion of the payment for the services received payment from the subscriber to the short message service charges remitted to the mobile operators.
9. delete
10. delete
11. The mobile terminal is available is registered to the network operator;

    Having a sales information database is to save the product database and the sale information stored about the product to sell to a subscriber connected to the mobile communication network through a predetermined cyber mall server;

    Through the communication network to be the cyber mall server, the user identity key to the program and the access necessary for connection to generate an authentication key necessary in the process of purchasing the product to generate a program installation, doedoe generated by the authentication key generation program, at least a mobile communication terminal number, social security number, and have the authentication key comprises the identification information includes the payment password is stored, if the product payment request accepted by executing the authentication key generation program enter payment password from a subscriber in the cyber mall to match the conditions of the payment and the password included in the authentication key to the authentication information included in the authentication key to transmit payment authorization to the server computer, mobile subscribers;

    The mobile terminal of information about the subscribers and the network operator server having a subscriber database, subscriber information is stored comprising a history storage according to the use thereof; And

    The subscriber computer providing the authentication key generation program, and the authentication key transfer receive store the authentication key generated by the generating program from the mobile subscriber computer, and payment authorization for goods subscriber has selected purchases in the cyber mall server If there is a request, being received against the previously stored authentication information and the authentication information transmitted from the mobile subscriber computer check the subscriber your identity and request the subscriber information on the basis of the authentication information to the mobile communication server, receiving after that on the basis of the subscriber information to assess whether the credit that subscribers can pay the payment amount in arrears through the mobile bill creates a grant value according to the result of using the short message service of the mobile communication server was sent to the subscriber's mobile terminal, and the The approved value input via the screen, the input receiving a grant value grant value and short when compared whether the approved value sent to the message service, the same equal the grant value to approve payment and payment approval result provided by the subscriber computer cyber mall electronic payment approval system using a short message service comprising: a; a processor for transmitting to the server a payment authorization server mounted.
12. 12. The method of claim 11,

    The cyber mall server means for receiving and approved the results from the Payment Authorization server delivered the goods with the payment authorization to the subscriber;

    It means for the payment authorization server notifies the acknowledgment result to the mobile communication server;

    It means to transfer the amount of the mobile communication server receives the deposit amount combined with the subscriber terminal fee Payment for the purchase of the subscriber from the subscriber, excluding the housing agency of the fee payment to the payment authorization server; And

    The payment authorization server, an electronic payment authorization system using short message service, except that the amount of the cash payment of the approved fee payment received from the mobile communication server characterized in that it comprises means for the transfer to the cyber mall server.
13. 12. The method of claim 11,

    It means that the cyber mall server transmits the received approval result from the payment authorization server delivered the goods with the payment authorization to the subscriber;

    It means the payment authorization server receives the deposit payment for the purchase from the subscriber, which calculates some of payment for short message service charges remitted to the mobile communication server; And

    The payment authorization server, an electronic payment authorization system using short message service, except that the amount of the part of the payment receiving agency fee and commission approval and means to transfer to the cyber mall server.

Images