KR100581660B1 - System and its method for providing management of personal information and safe payment to independent site - Google Patents

Abstract

The present invention relates to a system and method for providing personal information management and paid service safe payment service to indisite and its member users. Indisite personal information management and payment service security payment providing system according to the present invention, by receiving the user's personal information to join the member, when the user's indie site membership registration mediated member registration, the user Payment intermediation server to provide a payment page when the purchase occurs, to broker the payment processing, and complete the transaction according to the user's approval; Indysite terminal that provides a paid service to the user by receiving a brokerage service of the payment broker server; And a user terminal that subscribes to an indie site and purchases a paid service product.

According to the present invention, by providing a member management and payment processing brokerage services to small and non-capital operators, it is very easy to build a dedicated site that can pay for tangible and intangible intellectual property, and protects personal information and indie After signing up for the site and checking the quality of the paid service product, you can end the transaction.

IndiSite, Privacy, Payment, Membership, Authorization, Exchange, Refund

Description

System and its method for providing management of personal information and safe payment to independent site}

The following drawings attached to this specification are illustrative of preferred embodiments of the present invention, and together with the detailed description of the invention to serve to further understand the technical spirit of the present invention, the present invention is a matter described in such drawings It should not be construed as limited to

1 is a block diagram of a system for providing personal information management and payment service security payment according to an embodiment of the present invention.

Figure 2 is a conceptual diagram of the subscription mediation function of the system according to an embodiment of the present invention.

3 is a conceptual diagram of a payment processing intermediation function of the system according to an embodiment of the present invention;

4 is a structural diagram of a payment intermediation server according to an embodiment of the present invention.

5 is a flowchart of a method for providing personal information management and payment service security payment according to an embodiment of the present invention.

6 is a detailed flowchart of a process of registering an indie site on a homepage of a payment brokerage server according to an exemplary embodiment of the present invention.

Figure 7 is a detailed flowchart of the process for the user to join the member on the homepage of the payment brokerage server according to an embodiment of the present invention.

8 is a detailed flowchart of a process of signing up for an indisite through mediation of a payment brokerage server according to an embodiment of the present invention.

9 is a detailed flowchart of the exchange / refund and payment approval process of the user according to an embodiment of the present invention.

Explanation of symbols on the main parts of the drawings

1: System 2: Payment Broker Server

3: Indysight Terminal 4: User Terminal

21: Site Information Management Department 22: Membership Management Department

23: member registration broker 24: payment processing broker

25: end of trading 211: Indysite DB

221: Member DB 231: Indie Site Subscription DB

241: payment DB 251: transaction termination DB

The present invention is a system for providing personal information management and paid service safe payment for indisite and a method thereof, and more specifically, between a small indisite and a user through a subscription and payment processing service performed by the user for indisite It relates to a system and a method.

Indie site refers to a small site operated by an individual or a group. In the present invention, an indie site is defined as an independent site operated by a seller who independently sells tangible and intangible goods (goods, services, contents, etc.) through an online Internet site. do. In addition, the social network service (SNS), which has a common purpose (small scale) as opposed to a public network service (PNS), which has a social purpose, can also be used by operators to provide Internet content services to service subscribers through small sites. Providing.

In terms of the possibility of indiesite, it is characterized by providing a differentiated service from the uniform content of a large company (large portal) that is provided only when a certain amount of profit is guaranteed due to the small size but the variety of products sold. In addition, individual indie sites are expected to expand and grow as promising industries in anticipation of future social trends.

As described above, there are various types of product contents of IndySite, but the use or purpose of the product is limited, so it is outside the interest of the large enterprise that considers the profitability of the product. Therefore, the seller has to take responsibility for direct sales and distribution. Users give more expertise and reliability to products sold by sellers by building independent Internet sites, rather than products sold as seller membership by specific shopping mall sites. Products that are sold in the form of seller members at specific shopping mall sites are listed (displayed) in a consistent format, providing users with price comparisons for industrial products and trust in payment processing. On the other hand, an independent Internet site that maintains personality if the product is a traditional industrial product or a service that provides a database of intellectual products, such as the processing or creation of professionally accumulated knowledge or digital information, over time, rather than a single document. This is because the service method through can give more expertise and reliability to the product. On the other hand, IndySite is a small capital (non-capital) based, there is a problem that it is not easy to develop a high-level design or strong personal information protection service and to establish a reliable payment service. As a result, users are satisfied with the quality and professionalism of the product itself, but are reluctant to provide personal information through membership in a small shopping mall site in terms of non-products, resulting in a lack of trust in payment for paid products. .

A simple way for small businesses (including individuals and groups) to build an online sales site is to sign up as a merchant on a large shopping mall site. It must pay a fee for seller membership services. The fee payment method is to pay a flat fee for each period or a pay-as-you-go fee in proportion to the number of product transactions or the price of a product.

Although the above-described online site construction method can easily build an online site, the merchant can sign up as a seller on a large site and use the company's shopping mall construction solution for a while, not to build his own dedicated site. In addition, there is a problem in that you need to submit a predetermined membership document in order to join as a seller member and receive the screening, as well as unilaterally paying the above-mentioned flat fee or pay-as-you-go fee in return for using the site.

The present invention is to solve the above-mentioned problems, using the personal information of the user secured by the intermediary server established between the indisite and the user to broker the membership to the indie site, the product purchased from the indie site The mediation server receives payment directly from the user and pays the price to IndySite upon the user's approval, so IndySite supports the technology of membership registration and payment processing, and guarantees the user's privacy protection and paid service security purchase. It aims to provide a service.

According to the system for providing personal information management and paid service security payment for indisite for achieving the above object, in a system for mediating user registration and payment processing for indisite on a wired or wireless network, the homepage Register the site information and payment account information of the indie through, receive the user's personal information from the homepage to join the member, the user selects when the user registers indie site using the site information registered on the homepage Transfer the personal information that is already stored within the scope of information provision to mediate membership registration, provide payment page when purchases of members accessing indie site receive payment information, process payment, and commit from member Request for exchange / refund or payment within period Receiving a transmission of, if a payment authorization, payment mediation server to transfer the adjustment value other than the predetermined charge from the payment amount in the settlement account to the payment indicator site; Receive the personal information of the user who subscribed to the payment intermediation server to register the member, receive payment service through the payment page when the purchase request of the member, and settle the settlement amount according to the payment approval of the purchase member Receiving indye terminal; And register with the payment broker server, receive the member registration page where personal information stored in the payment broker server is automatically registered, select a range of information provision of personal information, and sign up with the indie site. When purchasing a product on an indie site, the settlement brokerage server as a trader, and receives the product, characterized in that it comprises a user terminal for transmitting an exchange / refund request or payment approval to the settlement brokerage server within the contract period.

According to a preferred feature of the invention, the payment intermediation server, the site information management unit for registering the site information and payment account information from the indy-site terminal; A member management unit which receives the personal information of the user who registers from the user terminal, authenticates real name or mobile phone, and registers with the agreement that the personal information is used when registering with the indie site terminal; The member whose personal information is automatically registered when a member request is made from the user terminal connected to the indysite terminal or when the user terminal selects a specific insite registered on the homepage of the payment brokerage server and requests membership. Member registration brokerage unit for providing a subscription page to select a range of information provision of personal information to mediate the membership to the indie site terminal; Receives a payment request according to the occurrence of a purchase of a member user from the indysite terminal, provides a payment page using the payment intermediation server as a trader, receives payment information of the user and processes payment to a credit card company or a bank company. Treatment intermediary; And a transaction termination unit which receives an exchange / refund request or payment approval from the user terminal within the contract period and terminates the transaction according to each processing.

According to the method for providing personal information management and paid service safe payment for indisite of the present invention, in the method of providing personal information management and paid service secure payment of a system for mediating user registration and payment processing for indisite on a wired or wireless network (1) a payment brokering server registering the site information and payment account information from the indie site terminal through a homepage; (2) receiving a membership request from a user terminal accessing the homepage and receiving personal information and registering as a member; (3) When the user terminal requests membership registration to a specific indie site, the user terminal provides the member registration page where the personal information is automatically registered to the user terminal to select the information providing range of the personal information, and then to the indie site terminal. Mediating the subscription; (4) the user terminal accessing the indysite terminal to provide a payment page when a purchase occurs and receive payment information of the user and process payment; And (5) receiving an exchange / refund request or payment authorization from the user terminal within the contract period and ending the transaction according to each processing.

Hereinafter, a preferred embodiment of the present invention including the above components will be described in more detail with reference to the accompanying drawings.

1 is a block diagram of a system for providing personal information management and payment service security payment system 1 according to an embodiment of the present invention.

The system 1 according to an embodiment of the present invention comprises a payment intermediation server 2, an indysight terminal 3 and a user terminal 4.

The payment intermediation server (2) is established between the indysite terminal (3) and the user terminal (4) to mediate payment processing in accordance with membership registration and product purchases performed by the user for the indysite.

Indysite operators who want to receive the intermediary service of the present invention are required to register the site information and payment account of the indysite by accessing the homepage of the payment brokerage server 2 and registering as a member. Site information is registered on the homepage and used by the user to sign up for a specific indie site through the payment intermediation server (2). Alternatively, when joining the indie site for the first time before joining the homepage of the settlement brokerage server 2, the subscription to the settlement brokerage server 2 may be automatically performed after joining the indie site. And the payment account is a payment intermediary server 2 for the goods that the user purchases from the indie site and the payment is made to the payment account when the user approves the payment.

In addition, the user is also required to access the homepage of the payment brokerage server 2 to transmit personal information and to register as a member through a predetermined authentication procedure. Personal information sent to the payment mediation server (2) by the user when you subscribe to Indysite payment intermediary server automatically registers the personal information on the membership site for Indisite and send it to the user, the user sends his personal information If you select a range of information without having to enter it repeatedly, you will sign up for an indie site with only personal information within that range.

Referring to Figure 2 for the subscription brokerage service of the present invention. A user who wants to join an indie site requests a membership registration from an indie site built in an indie site terminal (1) or requests a member registration through a homepage established in a payment brokerage server (2). When an event for a user's request for joining an indisite occurs, the payment intermediation server 2 displays the personal information already registered by the user on the homepage through the membership registration page for the indisite and transmits it to the user terminal 2. (②). The user selects the information providing range to be disclosed on the indie site among his personal information displayed on the member registration page (③). For example, in the case of ID, name, etc. registered in the payment intermediation server 2, the information to be disclosed basically or other e-mail, job, age, social security number, etc. can be refused. The payment intermediation server 2 mediates the membership by transmitting data corresponding to the disclosure range of the personal information selected by the user to the indie site terminal 3 (④).

The payment processing brokerage service of the present invention will be described with reference to FIG. 3 as follows. The user accesses the indysite terminal 3, inquires a product, selects a specific product, and requests a purchase (①). The purchase request is transmitted to the payment broker server 2 and the payment broker server 2 provides a payment page to the user terminal 4 (②). The user selects a payment method such as a credit card or bank transfer and transmits the payment information to the payment broker server 2 (③), and the payment broker server 2 transmits the processing result to the indysite terminal 3 and the user terminal ( 4) (④). The indiesite terminal 3 provides the purchased product to the user terminal 4, and the user determines whether the purchase is approved after receiving the product service. This process will be described later.

The indysight terminal 3 may be constructed in the form of a client terminal or a server as a terminal that operates a product sales or other content providing service business while the operator operates at a small scale, and also operates a terminal that operates a social network service (SNS) business. Included. Indysite terminal (3) may store the product sales page of the operator, the indysite operator operates the indysite terminal (3) as a client terminal or through its own network communication terminal (computer, mobile phone, PDA, etc.) It is also possible to access the indysight terminal 3 and operate in the form of a server. In other words, indiesite can be built on a P2P platform or web-hosting environment due to its small capital. In addition, IndySite's user interface is not a homepage, which is operated by a typical e-commerce online shopping mall, but in the form of a blog or a specific club (cafe). It is also possible to sell by a prepaid pay-as-you-go, postpaid pay-as-you-go. As such, IndySite's operators are only responsible for the delivery of products (providing services) according to customer purchases, and technical support from the payment brokerage server (2) for member management and payment processing solutions. In exchange for technical support, the settlement brokerage server 2 pays a fee according to the agreement.

4 shows the structure of a payment intermediation server 2 according to an embodiment of the present invention.

Payment intermediary server 2 according to an embodiment of the present invention is a site information management unit 21, member management unit 22, member registration broker 23, payment processing broker 24 and transaction termination unit 25 It is configured to include. In addition, the DBMS structure includes an indisite DB 211, a member DB 221, an indisite subscription DB 231, a settlement DB 241, and a transaction termination DB 251.

The site information management unit 21 receives the site information including the address of the indie site and the payment account information including the payment account from the operator registered as an indie site member through the homepage and stores it in the indie site DB 211. Here, the site information (control) for generating a subscription or product purchase event from the user in the indie site is linked to a predetermined execution code and a web page so that the intermediary service of the present invention can be linked.

The member manager 22 receives an application for membership through the homepage and performs an authentication procedure such as real name authentication or mobile phone authentication in order to determine whether the personal information transmitted by the user is valid. And the personal information is stored in the member DB (221). The personal information received here is reused when the user registers on the indie site so that the user does not have to enter every time. To this end, the payment intermediation server (2) asks for the member's agreement that the user can provide a part of the personal information to the indie site by the user's approval when the user registers to the indie site selected by the user when the user registers on the homepage.

The member registration broker 23 mediates member registration by providing an indisite member registration page to the user terminal 4 whenever an event for the user to register as an indie site occurs. The occurrence of the membership registration event may be generated by requesting membership registration while the user is connected to the indysite terminal 3 or by selecting a specific indysite registered on the homepage of the payment intermediation server 2. The information providing range of the indisite information subscribed to by the user and the personal information provided to each indie site is stored in the indisite subscription DB 231.

The personal information retrieved from the member DB 221 is automatically registered in the member registration page sent to the user according to the occurrence of the event, and the user receives the member registration page and decides whether to provide specific information to the indie site. For example, the user may refuse to be provided to the indie site for the remaining data except for the ID, name, etc. of the payment intermediation server (2). That is, the user provides the personal information to the indie site, leaving the remaining personal information in the settlement brokerage server 2 except for the minimum information for membership. Therefore, on the indisite side, the subscription is made with the minimum information on the premise that the member has already been verified in the payment brokerage server 2. If a member who registers as a member of IndySite cannot receive the member's email address or phone number due to refusal of providing personal information, the member contacts with the member using the email address or phone number stored in the payment brokerage server (2). It is possible.

The payment processing broker 24 receives the payment request according to the purchase occurrence of the member user connected to the indysite terminal 3, and provides a payment page for the payment brokerage server 2 as the counterpart of the transaction. Receive payment information. In accordance with the user's payment method, the payment process for the credit card company or bank company and the result is transmitted to the indie site terminal (3) and the user terminal (4). Here, it is also possible to use known notification means such as SMS and email. The payment information and the processing result that the user paid through credit card or bank transfer are stored in the payment DB 241.

The transaction termination unit 25 receives the exchange / refund request or payment approval from the user terminal 4 within the contract period and terminates the transaction according to each processing. Details of at least one exchange / refund or settlement approval selected by the user within the contract period are stored in the transaction termination DB 251.

In more detail, the transaction termination unit 25 includes an exchange request processing unit, a refund request processing unit, and a payment approval processing unit. When the transaction termination unit receives the exchange request from the user terminal 4, the transaction termination unit transmits the exchange request to the indisite terminal 3 and delays the payment to the indie site until the exchange is completed. When the refund request processing unit receives the refund request from the user terminal (4), if the informing site terminal (3) is notified that the goods received for the refund is returned to the user payment. In addition, when the payment approval processing unit receives the payment approval from the user terminal (4), the settlement account of the indisite pays the settlement price excluding a predetermined fee from the payment amount of the user. Through such a configuration, the user can secure a secure right with respect to a product purchased at a small indie site.

5 is a flowchart illustrating a method of providing personal information management and payment service security payment according to an embodiment of the present invention.

In the indiesite membership registration step (S10) of the payment brokerage server, the payment brokerage server 2 receives a subscription from the indysite provider through the homepage. Referring to Figure 6 in detail, the payment brokerage server 2 receives the site information and payment account information from the indie site provider and stores in the indie site DB (211) (S11). The payment intermediation server 2 registers the indisite information on the homepage and links the indisite membership registration page to the site information so that the user can register to a specific indigenous site by the user selection (S12). Similarly, the member registration page for the indie site is linked to the member registration button on the member registration page of the indisite terminal 3 (S13). In addition, the payment page is linked to the payment button on the purchase page of the indysite terminal 3 to mediate the payment processing (S14).

The payment intermediation server 2 receives the member registration request from the user terminal 4 connected to the homepage, receives the personal information, and registers the member (S20). Referring to Figure 7 in detail, the payment brokerage server 2 receives a member registration request from the user (S21). The user's personal information is received through the member registration page (S22). The received personal information is used for identification of the user through a third institution (real name authentication server, mobile phone authentication server) (S23). If the authentication is successful and the user agrees that the user's personal information can be used under the user's approval when registering as an indie site 3, the received personal information is stored in the member DB 221 (S24).

The settlement brokerage server 2 automatically registers the personal information already stored on the membership registration page when the event for the user's indie site registration occurs and provides it to the user and mediates the membership by selecting the information provision range ( S30). Referring to FIG. 8, the payment intermediation server 2 is a user terminal 4 which accesses the indisite terminal 3 or a user terminal 4 that selects a specific indi- cation from the homepage of the payment intermediation server 2. Receive a membership request from (S31). When receiving a member registration request, after querying the user's personal information from the member DB (221) (S32), and automatically registers on the membership site for indisite to send to the user terminal (4) (S33). The user selects information to be provided to the indie site on the registration page and transmits it to the payment broker server 2 (S34). The payment intermediation server 2 stores the registered member information and the member registration information selected by the user in the indisite subscription DB 231 (S35).

When the user terminal 4 connects to the indysite terminal 3 and requests a purchase for a specific product, the payment intermediation server 2 provides the payment page to the user terminal 4 and receives payment information of the user. Process (S40). The user can use a credit card, cash transfer and mileage (storage, points) as a payment method (S40).

When the user receives the service for the purchased goods from the indie site, the user accesses the payment intermediation server 2 within the contract period and transmits an exchange / refund request or payment approval (S50). 9, when the user selects the exchange request, the settlement brokerage server 2 transmits the exchange request to the indysite terminal 3 and resets the settlement price until the user completes the transaction. Wait (S51). If the user selects a refund request, the in-site terminal 3 is notified that the goods to be refunded are received (S52), and the payment is returned to the user (S521). When the user selects the payment approval, the settlement price excluding the predetermined fee is calculated from the payment amount of the user (S53), and the transaction is completed by depositing it into the payment account of the indie site (S531).

As described above, embodiments of the personal information management and paid service security payment system for indisite and the method according to the present invention are configured. Although the present invention has been described by way of limited embodiments and drawings, the present invention is not limited thereto, and the technical spirit of the present invention and the claims to be described below by those skilled in the art to which the present invention pertains. Of course, various modifications and variations are possible within the scope of equivalents.

Indisite personal information management and payment service security payment providing system and method thereof according to the present invention, even if small, capital-free operators have the ability to accumulate their own tangible and intangible intellectual property, but lacks knowledge of Internet technology Providing membership management and payment processing brokerage services for operators, it provides the effect of activating indie site or SNS construction.

In addition, by providing the member information within the range of information provided by the user to users who trade with Indysite, the user who is concerned about the quality of the paid service product of Indysite is provided with the purchase service. By allowing payment approval, the user can pay with confidence.

Claims (15)

In a system for mediating user registration and payment processing for indie sites on a wired or wireless network, Register the site information and payment account information of the indie site through the homepage, receive the user's personal information from the homepage and register as a member, and when the member user registers to the indiesite using the site information registered on the homepage, Mediation of the membership already stored within the selected information provision range to mediate membership registration, and when a purchaser of a member accessing an indie site occurs, a payment page is provided to receive and process payment information and to receive payment from the member who provided the product. A payment intermediation server that receives an exchange / refund request or payment approval within a contract period, and deposits a settlement fee excluding a predetermined fee from the payment price to the payment account in the case of payment approval; Receive the personal information of the user who subscribed to the payment intermediation server to register the member, receive payment service through the payment page when the purchase request of the member, and settle the settlement amount according to the payment approval of the purchase member Receiving indye terminal; And Sign up to the payment brokerage server, receive the member registration page where personal information stored in the payment brokerage server is automatically registered, select a range of information provision of personal information to register as the indie site, and the indie A user terminal that makes a payment using the settlement brokerage server as a trader and purchases an exchange / refund request or the approval of the settlement to the settlement brokerage server within a contract period when a product is purchased on the site. Personal information management and paid service security payment providing system comprising a. The method of claim 1, The payment broker server, A site information manager configured to register the site information and payment account information from the indysite terminal; A member management unit which receives the personal information of the user who registers from the user terminal, authenticates real name or mobile phone, and registers with the agreement that the personal information is used when registering with the indie site terminal; The member whose personal information is automatically registered when a member request is made from the user terminal connected to the indysite terminal or when the user terminal selects a specific insite registered on the homepage of the payment brokerage server and requests membership. Member registration brokerage unit for providing a subscription page to select a range of information provision of personal information to mediate the membership to the indie site terminal; Receives a payment request according to the occurrence of a purchase of a member user from the indysite terminal, provides a payment page using the payment intermediation server as a trader, receives payment information of the user and processes payment to a credit card company or a bank company. Treatment intermediary; And The transaction termination part which receives an exchange / refund request or payment approval from the user terminal within the contract period and terminates the transaction according to each processing. Personal information management and payment service security payment providing system comprising a. The method according to claim 1 or 2, The payment broker server, An indysite DB in which the site information including the address of the indysite and the payment account information including the payment account are stored; Member DB that stores the user's personal information received through membership registration; IndiSite subscription DB that stores the information provision range of the indisite information subscribed to by the user and the personal information provided to each indigenous site; A payment DB in which payment information stored by a user through a credit card or bank transfer is stored according to a purchase of a product; And Transaction termination DB that stores the historical information of at least one exchange / refund or payment approval selected by the user within the contract period. Personal information management and payment service security payment providing system comprising a. The method according to claim 1 or 2, The payment broker server, Mediation of the membership registration and payment processing for indie sites where operators sell certain products (goods, services, contents, etc.) in the form of homepages, blogs, or specific clubs (cafes) in a P2P platform or web hosting-based environment Personal information management and payment service security payment providing system, characterized in that to provide a service. The method according to claim 1 or 2, The payment broker server, The Indysight terminal provides the user with goods and services in a payment method including a subscription, a prepaid payment plan, and a postpaid payment plan for each period. Personal information management and payment service security payment providing system, characterized in that for paying to the indie site. The method according to claim 1 or 2, The payment broker server, When the user terminal accesses the indysite terminal and requests membership registration, or when the user terminal selects a specific insite registered on the homepage of the payment brokerage server and requests membership registration, the personal information is automatically displayed. Personal information management and payment service security payment providing system, characterized in that by providing a page brokerage services of membership registration. The method according to claim 1 or 2, The payment broker server, An exchange request processing unit for transmitting the exchange request to the indiesite terminal when the exchange request is received from the user terminal; A refund request processing unit for receiving a refund request from the user terminal, receiving notification of receipt of a product to be refunded from the indisite terminal, and refunding the payment amount to the user; And When the payment approval is received from the user terminal, the payment approval processing unit pays the settlement fee excluding a predetermined fee from the payment amount of the user to the payment account of the indysite. Personal information management and payment service security payment providing system comprising a. In the method of providing personal information management and paid service secure payment of a system for mediating user registration and payment processing for indie sites on a wired or wireless network, (1) a step in which a payment broker server registers the site information and payment account information from the indy-site terminal through a homepage; (2) receiving a member registration request from a user terminal connected to the homepage and receiving personal information and registering as a member; (3) When the user terminal requests membership registration to a specific indie site, the user terminal provides the member registration page where the personal information is automatically registered to the user terminal to select the information providing range of the personal information, and then to the indie site terminal. Mediating the subscription; (4) the user terminal accessing the indysite terminal to provide a payment page when a purchase occurs and receive payment information of the user and process payment; And (5) receiving an exchange / refund request or payment approval from the user terminal within the contract period and ending the transaction according to each processing; Personal information management and paid service security payment providing method comprising a. The method of claim 8, Step (1), (1-1) receiving, by the payment broker server, the site information and payment account information and storing in an indie site DB; (1-2) registering the indisite information on the homepage, and linking the subscription page for indisite to the information; (1-3) linking the member registration page for indisite to a member registration button on the member registration page of the indie site; And (1-4) Personal information management and paid service security payment method comprising the step of linking the payment page to the payment button on the purchase page of the indie site. The method according to claim 8 or 9, Step (1), In order to provide services for personal information management and paid service security payment, the payment intermediation server provides a specific product (goods, services, contents) in the form of a homepage, a blog, or a specific club (cafe) in a P2P platform or a web hosting-based environment. And so on) step of subscribing to the indie site selling the service site member personal information management and paid service security payment providing method. The method according to claim 8 or 9, Step (1), The Indysight terminal provides the user with goods and services in a payment method including a subscription, a prepaid payment plan and a postpaid payment plan for each period. And receiving, by the payment intermediation server, the user's consent to pay the settlement price to the indie site by subtracting a predetermined fee from the user based on the payment method, and subscribing to the indie site. Personal information management and paid service security payment providing method comprising the. The method of claim 8, Step (2) is, The payment DB server performs real name authentication or mobile phone authentication for the user who registers on the homepage, and the personal information received in agreement with the authenticated user to use the personal information when registering with the indie site terminal. Personal information management and paid service providing secure payment method characterized in that the step of storing in. The method of claim 8, Step (3), When the payment intermediation server requests membership registration from the user terminal connected to the indysite terminal, or when the user terminal selects a specific insite registered on the homepage of the payment mediation server and requests membership registration, the personal information is displayed. Providing a sign-up page that is automatically displayed to provide brokerage services of membership registration, personal information management and paid services secure payment, characterized in that the step of storing the information provision range of the personal information selected by the user in the indisite subscription DB How to Provide. The method of claim 8, The step (4), Receives a payment request including user information and product information from the indysite terminal, provides the payment page to receive the user's payment information, and sends payment information to the credit card company or bank company to the payment DB. Personal information management and paid service security payment providing method comprising the step of storing. The method of claim 8, The step (5), (5-1) when the exchange request is received from the user terminal, transmitting the exchange request to the indysite terminal; (5-2) when receiving a refund request from the user terminal, notifying that the product to be refunded is received from the indysite terminal and returning a payment amount to the user; And (5-3) if the payment approval is received from the user terminal, paying the settlement fee excluding a predetermined fee from the payment amount of the user to the payment account of the indisite; Personal information management and paid service security payment providing method comprising a.

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