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

Abstract

Disclosed are a method and a system for approving an electronic payment using a short message service. The disclosed method comprises providing a subscriber authentication key generation program to a mobile subscriber computer; b) inputting predetermined information necessary for payment using the subscriber terminal from the subscriber computer through a payment request for the use of the service provided by the cyber mall server from the subscriber computer, a password for identification and the subscriber authentication key generation program; Receiving step; c) requesting, by the payment approval server, the mobile communication service provider server for information on the subscriber station from the predetermined information; d) extracting subscriber information stored in a subscriber database by the mobile operator server and transmitting the extracted subscriber information to the payment approval server; e) the payment approval server evaluating the credit rating for the subscriber information received from the mobile communication service provider server to generate an approval value, and transmitting the approval value to the mobile communication service provider server; f) converting the approval value into a short message by the mobile telecommunication provider server and transmitting the short message to the subscriber station; And g) receiving the approval value from the subscriber computer, comparing the input approval value with the approval value transmitted to the mobile communication service provider server, and if the approval values are the same, determining the approval to determine the approval. And sending the approval result.

Description

Method for approving electronic commerce using the short message service and system therefor}

The present invention relates to an electronic payment approval method and system therefor in electronic commerce, and more particularly, a payment approval method using a short message that simplifies the payment process using a mobile communication terminal to use a service provided by a cyber mall, and It's about that system.

Electronic commerce is a transaction of goods or services, in whole or in part, by electronic means such as the exchange of electronic documents. A customer connects a virtual store, a cyber mall, with a terminal connected to the Internet, such as a computer, to purchase a product. If found, the purchase will be sent to the Cyber Mall, and payment will be made using a credit card, prepaid card or online remittance.

However, in the conventional e-commerce payment method, there is anxiety that the card information is exposed by directly entering a number when using a credit card, and when using a prepaid card, a card must be purchased in advance and the remaining amount is found when lost. In the case of online remittance, it is inconvenient to make a deposit in the cyber mall by directly visiting a bank or using telebanking after delivering a purchase intention for the product. First of all, there is a disadvantage in that e-commerce using the cyber mall is not activated in terms of prepaid payments without obtaining a product.

Accordingly, the present invention provides an electronic payment using a short message service (SMS), which simplifies the payment process for using a predetermined service provided by a mobile communication subscriber to a predetermined cyber mall. It provides a method of approval.

Another object of the present invention is to provide a system used for the electronic payment approval method.

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

2 is a flowchart illustrating an electronic payment approval method using a short message service according to an embodiment of the present invention.

3A and 3B are flowcharts illustrating a payment process after approval of the electronic payment shown in FIG. 2.

4 is a block diagram showing an approval process in the electronic payment approval system shown in FIG.

In order to achieve the above technical problem, the present invention comprises the steps of: a) providing a subscriber authentication key generation program for generating an authentication key in the payment process using the subscriber terminal to the computer of the mobile subscriber through a predetermined communication network; b) The payment approval server receives a request for granting the use of a predetermined service provided by the cyber mall server and a password for identity verification from the mobile subscriber computer connected to a predetermined cyber mall server through the predetermined communication network. Receiving predetermined information necessary for payment using the subscriber station from the subscriber computer through the subscriber authentication key generation program installed in the computer of the subscriber; c) requesting, by the payment approval server, subscriber information of the subscriber terminal from the predetermined information to a mobile communication service provider server; d) extracting subscriber information stored in a subscriber database by the mobile operator server and transmitting the extracted subscriber information to the payment approval server; e) the payment approval server evaluating the credit rating for the subscriber information received from the mobile communication service provider server to generate an approval value, and transmitting the approval value to the mobile communication service provider server; f) converting the approval value into a short message by the mobile telecommunication provider server and transmitting the short message to the subscriber station; And g) receiving the approval value from the subscriber computer, comparing the input approval value with the approval value transmitted to the mobile communication service provider server, and if the approval values are the same, determining the approval to determine the approval. It provides an electronic payment approval method using a short message service, characterized in that it comprises the step of transmitting the approval result.

In step b), when the payment approval server is the first mobile communication subscriber who has not generated a password, the subscriber accesses the payment approval server through the communication network and downloads the subscriber authentication key generation program. And installing on the mobile subscriber computer.

In the step b), the payment approval server downloads and installs the subscriber authentication key generation program, but accesses the payment approval server through the ARS for the subscriber who has forgotten the password generated when the program is installed. And registering the lost password or registering a new password through a predetermined identification process.

The password re-entry process according to the password input error for identity verification is limited to a predetermined number of times.

The service is a credit card payment service or a financial service related to a general product purchase having an entity provided by the cyber mall server, and the financial service is, for example, a bank transfer service.

In order to achieve the above another technical problem, the present invention is a mobile communication terminal registered and available to the mobile communication provider; A cyber mall server having a merchandise database storing information on merchandise to be sold to the mobile subscriber connected through a predetermined communication network and a sales database storing sales information; A mobile communication subscriber computer having a mobile communication terminal having a program for accessing the cyber mall server through the communication network and a subscriber authentication key generation program for generating an authentication key during the purchase of the product by the subscriber; A mobile telecommunication service provider server having a subscriber database storing information on the terminal of the mobile telecommunication subscriber and storing contents according to its use; Providing the subscriber authentication key generation program to the subscriber computer and receiving the subscriber information from the mobile communication operator server to generate an approval value for payment approval for the product to be purchased by the mobile subscriber through the cyber mall server A payment approval server having a processor; Means for transmitting the approval value generated by the payment approval server to the mobile communication service provider server to transmit the approval value to the terminal of the mobile communication subscriber in a short message; And the payment approval server receives the approval value from the subscriber computer, compares the input approval value with the approval value transmitted to the mobile communication service provider server, and compares the approval value with the approval value. It provides an electronic payment approval system using a short message service comprising a means for transmitting to.

When using the payment approval method and system according to the present invention, in order to use the service provided by the cyber mall, the user inputs a payment password and then sends a short message (approval number) provided from the mobile communication service provider server to the payment approval server. The service can be used by inputting to. As a result, since the service user can use the service by substantially entering only the payment password, the payment procedure related to the use of the service by the service user is much simpler than before. In addition, the user only by being careful not to expose only his payment password, it can prevent others from using the service in their name, thereby minimizing the anxiety caused by exposure of credit information.

Hereinafter, an electronic payment approval method and a system using a short message according to an embodiment of the present invention will be described in detail with reference to the accompanying drawings.

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

Referring to Figure 1, the electronic payment approval system using a short message service according to the present invention is a mobile communication subscriber computer 10, subscriber terminal 12, cyber mall server 20, payment approval server 30, mobile communication The service provider server 40 and a communication network 50 connecting them are provided. The cyber mall server 20 may be a general shopping mall that sells goods having an entity online, or a server of a financial institution that provides a service such as an account transfer online. The mobile subscriber network is a program required to access the cyber mall server 20 through a communication network 50, for example, an application program such as a web browser, a process of purchasing the product through the cyber mall 20 or receiving the financial service. A program for generating an authentication key required by the following (hereinafter referred to as a subscriber authentication key generation program) is installed. Therefore, the mobile communication subscriber who owns the terminal 12 can use the subscriber computer 10 to access the cyber mall server 20 to purchase goods. While installing the subscriber authentication key generation program, the mobile communication subscriber enters information necessary for payment using the mobile communication terminal 12 and also registers the payment approval server 30 by inputting a payment password to be used for payment application. The information required for the payment depends on the nature of the cyber mall to be used.

For example, in the case of a shopping mall that sells goods having the above-mentioned substance online, the subscriber's name, mobile number 12, resident number, address, payment password, Contact information, e-mail address, etc., but if you want to use financial services (e.g. bank transfer) provided by financial institutions, the bank name, bank account number, bank account password, etc. Is added, and when the subscriber selects a credit card as a payment method, a credit card number, a card password, an expiration date, and the like are added.

Such information is stored in the payment approval server 30 as well as the subscriber computer 10. The information stored in the payment approval server 30 is used as reference data for identity verification when the subscriber later uses the cyber mall. For example, when the subscriber enters a payment password into the subscriber computer 10 to purchase a necessary item from the cyber mall or use a paid service provided by the cyber mall, the subscriber enters the payment password into the subscriber computer 10 together with the entered payment password. The stored information is transmitted to the payment approval server 30. The payment approval server 30 primarily checks whether the subscriber is the user by comparing the transmitted information with the information transmitted when the subscriber authentication key generation program is installed.

Subsequently, the subscriber computer 10 is an input device which is connected to the cyber mall server 20 through the communication network 50 to execute a purchase order by executing the program, and is a desktop computer, a notebook computer, a pop-top computer, and the like. It may be a personal digital assistant (PDA). The cyber mall server 20 has a merchandise database (DB) 22 storing merchandise to be sold and a merchandise database (DB) 23 storing merchandise information on merchandise purchased by a mobile subscriber. In response to a request from the mobile communication subscriber computer 10, a payment approval is requested to the payment approval server 30 for payment of goods to be purchased. The payment approval server 30 provides the subscriber authentication key generation program to the mobile communication subscriber computer 10 through the communication network 50 when the mobile communication subscriber desires it. The payment approval server 30 notifies the lost password through a predetermined identity verification process or registers a new payment password when the subscriber accesses through the ARS to confirm the payment password according to the payment password loss. To do it. In addition, when a user using a cyber mall causes the payment password input error, the payment approval server 30 may limit the number of times of re-entering the payment password to prevent damage of the person who owns the payment password, or You can also limit the number of attempts you can make. The payment approval server 30 is provided with a processor 31, a member database 32, a payment database 33, and the like, for approval of payment for a purchase order of a subscriber input through the cyber mall server 20. . The payment approval server 30 requests the subscriber information about the subscriber from the mobile service provider server 40 and receives the result. And based on the received subscriber information to determine the approval of the purchase of the product of the subscriber. According to the approved result, the mobile communication service provider 40 transmits the approval value to the mobile communication subscriber terminal 12 using a short message service (SMS).

The mobile service provider server 40 has a subscriber database 42 in which subscriber information, such as terminal number and storage details, is stored. Further, the subscriber information is extracted from the subscriber database 42 and transmitted to the payment approval server 30 at the request of the payment approval server 30, and the approval value sent from the payment approval server 30 is transmitted to the subscriber terminal ( 12) to the wireless communication network 52 using a short message service. The cyber mall server 20 receives the approval value received from the mobile communication terminal 12 from the subscriber and transmits it to the payment approval server 30. The payment approval server 30 compares the approval value transmitted from the cyber mall server 20 with the approval value transmitted to the mobile communication service provider 40. If the comparison result is matched, the approval result is transmitted to the cyber mall server 20 and the mobile communication service provider server 40 and then stored in the payment database 33.

On the other hand, if the approval values do not match, the payment approval server 30 notifies the cyber mall server 20 and the mobile communication service provider server 40 that the approval is denied so that the purchase of the product of the subscriber is not approved. When the approval for the purchase order is determined as described above, the cyber mall server 20 transmits the product ordered by the subscriber to the subscriber, and stores the corresponding sales information in the sales database 23.

In the present invention, the communication network 50 refers to an internet communication network connecting the world using a Transmission Control Protocol / Internet Protocol (TCP / IP) protocol. The wireless communication network 52 may be a hand held phone, a cellular phone, a mobile phone, or the like employing a code division multiple access (CDMA), a time division multiple access (TDMA), an IMT2000 scheme, or the like. Refers to a communication network capable of transmitting voice, video and data to a portable wireless telephone.

As described above, the payment approval server 30 approves the payment of the product ordered by the mobile communication subscriber using the subscriber information provided by the mobile communication service provider server 40, so that the subscriber separately receives a credit card and an online remittance. It is possible to easily purchase a product by not using an unnecessary payment method, and the cyber mall server 20 can reduce the inconvenience of receiving a payment by receiving a payment for a product buyer, thereby enabling electronic commerce.

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

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

1, 2 and 4, in the electronic payment approval process according to the present invention, the mobile communication subscriber accesses the payment approval server 30 through the communication network 50, and then downloads the subscriber authentication key generation program. Receive and install in his computer 10 (S120). In this process, payment information using the mobile communication terminal as described above is input together. The payment approval server 30 receives and stores the input information. In this process, since the information about the subscriber is registered in the payment approval server 30, a separate registration procedure for the subscriber is not necessarily required.

Using the subscriber computer 10 installed with the subscriber authentication key generation program, the mobile communication subscriber accesses the cyber mall server 20 through the communication network 50, and then purchases a purchase order for the product (S130).

When the subscriber places a purchase order, the payment page (not shown) is moved to proceed with the payment. Here, the subscriber may select whether to pay using a mobile communication terminal using the authentication key generated from the subscriber authentication key generation program or to pay the price using a conventional credit card payment method.

Next, when the subscriber wants to pay the price using the authentication key and the mobile terminal, among the governments input in the process of installing the subscriber authentication key generation program, the payment password is input through the input window (S140). . At this time, if the payment password is forgotten or lost, it can be known through a predetermined identity verification procedure by accessing the payment approval server 30 using an ARS (auto response service) through a telephone network.

With the subscriber entering the payment password in the payment approval server 30, the payment approval server 30 through the cyber mall server 20 for the goods ordered or services to use the cyber mall server 20 The subscriber receives the payment password inputted at the same time and receives information on the purchase product price or service fee and the affiliate store number (S140).

The payment approval server 30 requests the mobile communication provider server 40 for subscriber information about the subscriber input through the cyber mall server 20 (S150).

The mobile service provider server 40 extracts the requested subscriber information from the subscriber database 42 and transmits it to the payment approval server 30 (S160). The subscriber information includes a terminal number and a storage history of the subscriber.

The payment approval server 30 determines the payment limit of the subscriber based on the received subscriber information (S170). Here, the payment approval server 30 evaluates the credit rating of the subscriber according to the provided member database 32, and if it is determined that the subscriber is inadequate to pay for the product purchase, the cyber mall server 20 In step S180, the payment approval is rejected.

On the other hand, if the payment approval server 30 is determined to be suitable for the subscriber to pay for the purchase order in the cyber mall server 20 according to the credit rating of the subscriber processor 31 is provided with itself Generate and store the approval value using the algorithm of and transmits to the mobile communication provider server 40 (S190).

The mobile communication service provider server 40 transmits the approval value received from the payment approval server 30 to the mobile communication terminal 12 using a short message service (SMS) (S200). In this case, it is preferable that the transmission path use a wireless communication network 52.

The subscriber inputs the approval value received at the terminal 12 into the payment page provided by the cyber mall server 20 through the computer 10 (S210). The cyber mall server 20 transmits the approval value input by the subscriber to the payment approval server 30 (S220).

The payment approval server 30 compares the approval value transmitted from the cyber mall server 20 with the approval value transmitted to the mobile communication provider (S230). Here, if the approval values do not match, the payment approval is rejected to the cyber mall server 20 (S180).

On the other hand, if the approval values match, the payment approval server 30 notifies the cyber mall server 20 and the mobile communication service provider server 40 of the approval result and approves the payment (S240). Here, the approval result is stored in the billing database 33 provided in the payment approval server 30, and also stored in the subscriber database 42 of the mobile communication server 40. As described above, the subscriber stores the information on the product purchase, and the mobile communication service provider server 40, which will be described later, receives the payment and remits the payment to the cyber mall server 20, and approves the payment approval server 30. This is because it is necessary for comparison when sending a fee.

The cyber mall server 20 stores the approval result in the sales database 23 and delivers the approved product to the subscriber (S250).

Next, the process of paying the payment for the product purchased by the subscriber will be described with reference to FIGS. 3A and 3B.

3A is a flowchart illustrating a process of receiving payment from a subscriber according to the first embodiment of the present invention. Referring to FIG. 4, the mobile telecommunication service provider server 40 charges and receives a payment from the subscriber. (S310). Here, the mobile telecommunication service provider server 40 bills the subscriber on a regular date, for example, once a month by adding the payment fee to the mobile telecommunication terminal fee. The mobile telecommunication service provider server 40 transfers the amount excluding the receiving agency fee from the received payment to the payment approval server 30 (S320). In addition, the payment approval server 30 calculates some of the payments received from the mobile communication service provider server 40 as an approval fee and transfers the remaining payments excluding the amount to the cyber mall server 20 (S330).

As described above, the mobile payment subscriber connected to the cyber mall server 20 through the communication network 50 approves the payment for the goods ordered by the payment approval server 30 that has already registered a member, and the subscriber receives credit The product can be purchased without a separate payment method through a card or online remittance, and the cyber mall server 20 can reduce the inconvenience of payment and storage for the sold product.

On the other hand, Figure 3b is a flow chart showing a process of receiving a payment from the subscriber according to a second embodiment of the present invention, the payment approval server 30 as shown in dashed line in Figure 4 cyber mall server 20 By billing the subscriber for the payment for the purchased goods delivered to the subscriber by the (S350).

The payment approval server 30 remits a part of the received payment amount to the mobile communication service provider server 40 to transmit the information fee and the short message service fee (SMS). In addition, the payment approval server 30 further transfers the payment amount excluding the approval fee to the cyber mall server 20 (S370).

As described above, since there is a payment approval server 30 that approves the payment for the purchase of goods from the mobile communication subscriber in the e-commerce and acts as a storage, the cyber mall server 20 can increase the sale of goods, The telecommunication service provider server 40 may generate revenue through a short message service (SMS) whenever a payment approval for the sale of the product is required.

As described above, in the payment approval method according to the present invention, in order to use a service provided by a cyber mall, a user inputs a payment password, and then sends a short message (approval number) provided from a mobile communication service provider server to a payment approval server. The service can be used by inputting. As a result, since the service user can use the service by substantially entering only the payment password, the payment procedure related to the use of the service by the service user is much simpler than before. In addition, the user only to be careful not to expose only their own payment password, it can prevent others from using the service in their name, thereby minimizing anxiety due to exposure of credit information.

The cyber mall can expect to increase sales by enabling mobile subscribers, who are buyers, to make payments on the products easily, thereby increasing sales, and without incurring extra effort to collect payments from buyers. You will be able to receive payments.

The mobile operator transmits an approval value to the subscriber's terminal whenever the mobile subscriber makes an e-commerce transaction in the cyber mall, thereby obtaining revenue from a short message service (SMS) fee and a storage agent fee, thereby increasing profits. Will be.

The payment approval server can obtain the approval fee income from the cyber mall on behalf of payment approval for merchandise sales, provide the mobile communication service provider with the short message service fee and the storage agency fee, and provide the mobile subscribers with the purchase price. Paying in postpayment helps to make it easier to buy products.

Claims (13)

a) a payment approval server providing a subscriber authentication key generation program for generating an authentication key to be used in a payment process using a subscriber terminal to a computer of a mobile subscriber through a predetermined communication network; b) The subscriber generates the authentication key by using authentication information including at least the mobile terminal number, social security number, and payment password by using the authentication key generation program, and stores the authentication key in the subscriber computer, while the payment approval server stores the communication network. Receiving and storing an authentication key from the authentication key generation program through; c) if there is a permission request for a predetermined paid service from a subscriber computer connected to a predetermined cyber mall server, the authentication key generation program requesting and inputting a password input by the subscriber when generating an authentication key; d) receiving, by the payment approval server, authentication information included in the authentication key from the subscriber computer, while receiving the service fee and the merchant number via the cyber mall server, provided that the password is matched; e) verifying whether the payment approval server is the subscriber in preparation for the received authentication information and stored authentication information, and requesting and receiving subscriber information from the mobile communication service provider server based on the received authentication information; f) The payment approval server evaluates whether the subscriber has credit to postpay the service fee through the mobile communication bill based on the received subscriber information. Generating and transmitting the approval value to the subscriber's mobile terminal by using the short message service of the mobile operator server; g) the payment approval server receives the approval value through the cyber mall server through the approval value input screen provided to the subscriber computer, and judges whether the input approval value and the approval value transmitted to the short message service are matched; As a result, if the approval values are the same, determining the payment approval for the service fee and transmitting the approval result to the cyber mall server; And h) the payment approval server storing the payment approval history; electronic payment approval method using a short message service, characterized in that it comprises a. The method of claim 1, wherein before proceeding to step b), When the payment approval server is the first mobile communication subscriber that does not generate an authentication key, the subscriber accesses the payment approval server through the communication network and downloads the subscriber authentication key generation program. Electronic payment approval method using a short message service, characterized in that it further comprises the step of installing on the subscriber computer. The method of claim 1, The payment approval server is configured to download and install the subscriber authentication key generation program, but the subscriber who has lost the password generated when the program is installed, the subscriber accesses the payment approval server through ARS, and then the subscriber. Registering the lost password or registering a new password through a predetermined identification process for the electronic payment approval method using a short message service, characterized in that it further comprises. The method of claim 1, wherein in step c), Electronic payment approval method using a short message service, characterized in that for limiting the password re-entry process according to the password input error for the identity verification a predetermined number. The method of claim 1, wherein after step h) i) the payment approval server transmitting the payment approval details to the mobile communication service provider server; j) the cyber mall server receiving the approval result and providing the payment approved service to the subscriber computer; And k) the mobile telecommunications provider server receives the amount of the sum of the subscriber's service usage fee and the subscriber's terminal fee from the subscriber, and transfers the amount excluding the receiving agency fee to the payment approval server. Electronic payment approval method using a short message service characterized in that it further comprises. The method of claim 5, wherein after step k), The payment approval server is an electronic payment approval method using a short message service, characterized in that for transmitting the amount of the payment amount received from the mobile communication operator server, except for the approval fee to the cyber mall server. The method of claim 1, wherein after step h), i) the cyber mall server receiving the approval result and providing the payment approved service to the subscriber; And j) The payment approval server receives a payment amount for the use of the service of the subscriber from the subscriber, and transfers the amount excluding the receiving agency fee and the approval fee to the cyber mall using a short message service How to approve electronic payment. The method of claim 7, wherein j), The payment approval server transfers a portion of the payment amount for the service provided from the subscriber to the mobile communication provider as a short message service fee, characterized in that the electronic payment approval method using a short message service. delete delete A mobile communication terminal registered and available to a mobile communication provider; A cyber mall server having a product database storing information on products to be sold to the mobile subscriber connected through a predetermined communication network and a sales database storing sales information; A program required for accessing the cyber mall server through the communication network and a subscriber authentication key generation program for generating an authentication key necessary for the subscriber to purchase the product are installed and generated by the authentication key generation program. An authentication key including at least the authentication information including the mobile terminal number, social security number and payment password is stored, and if there is a product payment request in the cyber mall, the authentication key generation program is executed to receive a payment password from the subscriber A mobile communication subscriber computer which transmits the authentication information included in the authentication key to the payment approval server under the condition of matching with the payment password included in the authentication key; A mobile telecommunication service provider server having a subscriber database storing subscriber information including information on a terminal of the mobile telecommunication subscriber and storage according to its use; And Providing the authentication key generation program to the subscriber computer, receiving and storing the authentication key generated by the authentication key generation program from the mobile communication subscriber computer, and approving the payment for the product selected by the subscriber in the cyber mall server If there is a request, the subscriber identity is checked against the authentication information transmitted from the mobile communication subscriber computer and the previously stored authentication information, and the subscriber information is received and received by the mobile communication service provider server based on the authentication information. Based on the subscriber information, the subscriber evaluates whether there is a credit for paying the post-payment through the mobile bill and generates an approval value according to the result, and then uses the short message service of the mobile operator server. To the subscriber's mobile terminal, and The approval value is input through the approval value input screen provided to the subscriber computer, and the approval value inputted and the approval value transmitted to the short message service are compared. If the approval values are the same, the payment is approved and the payment approval result is displayed in the cyber mall. Payment approval server equipped with a processor for transmitting to the server; Electronic payment approval system using a short message service comprising a. The method of claim 11, The cyber mall server means for receiving the approval result from the payment approval server and delivers the payment approved product to the subscriber; Means for notifying the mobile communication provider server of the approval result by the payment approval server; A means for the mobile communication service provider server to receive a payment sum of the payment fee for the purchase product of the subscriber and the use fee of the subscriber terminal from the subscriber, and to transfer the amount excluding the receiving agency fee to the payment approval server; And And a means for the payment approval server to remit the money excluding the approval fee from the payment received from the mobile communication server to the cyber mall server. The method of claim 11, Means for the cyber mall server to receive the approval result from the payment approval server and deliver the payment approved product to a subscriber; A means for the payment approval server to receive a payment amount for the purchased product from a subscriber, calculate a portion of the payment amount as a short message service fee and remit it to the mobile communication server; And And a means for the payment approval server to transfer a part of the payment amount to the cyber mall server, except for a storage agent fee and an approval fee.