KR100663127B1 - Method and system for payment by using digital tv set top box and mobile phone - Google Patents

Abstract

The present invention relates to a payment processing method and system using a digital TV set-top box and a mobile terminal. In the payment processing method using a digital TV set-top box and a mobile terminal according to the present invention, the method includes: receiving a purchase request signal from a remote controller corresponding to a digital TV, transmitting the application details to a sales agency according to the purchase request signal, a sales agency Receiving an identity authentication and payment request signal in response to the application details from the request; transmitting an authentication information input request signal to the mobile terminal in response to the identity authentication and payment request signal; receiving payment information from the mobile terminal; Here, if the authentication information is valid according to the input of the user's authentication information, the mobile terminal extracts the payment information stored therein and transmits the payment information to at least one of a mobile communication company and a financial institution.

Mobile terminal, set top box, payment

Description

Method and system for payment processing using digital TV set top box and mobile terminal {Method and system for payment by using digital tv set top box and mobile phone}             

1 is a view schematically showing a payment system using a conventional digital TV set top box (Set Top Box).

2 is a diagram schematically showing a payment processing system using a digital TV set-top box and a mobile terminal according to an embodiment of the present invention.

Figure 3 is a schematic diagram showing the internal configuration of the set-top box according to a preferred embodiment of the present invention.

4 is a diagram showing a module configuration of a set-top box according to an embodiment of the present invention.

5 is a flowchart illustrating a payment processing method using a digital TV set-top box and a mobile terminal according to an embodiment of the present invention.

6 is a flowchart schematically showing a method for processing payment information according to an embodiment of the present invention.

7 is a flowchart schematically illustrating a payment information transmission process according to an embodiment of the present invention.

8 is an exemplary view schematically showing a product purchase process according to an embodiment of the present invention.

<Explanation of symbols for the main parts of the drawings>

201... Digital TV 205... Set top box

207... Wireless signal transceiver 209. Mobile terminal

211... Wireless signal 213... Mobile carrier

215... Financial institution 217. Content delivery server

219... Broadcast server 221... Commodity Provider Operations Server

The present invention relates to a payment processing method and system using a digital TV set-top box and a mobile terminal.

Recently, thanks to the development of communication technology, digital TVs capable of high-quality interactive services have been widely spread, and viewers watching them are increasing rapidly. Viewers who watch digital TV can purchase real-time items such as dramas they watch or products advertised in CF, or pay a certain amount to watch programs broadcast on specialized paid channels or purchase content. . In order to purchase a product, watch a paid broadcast, or purchase content, a payment process is required. A payment process performed when a customer wants to purchase a desired product while watching a digital TV will be described in detail with reference to FIG. 1.

1 is a view schematically showing a payment system using a conventional digital TV set top box.

Referring to FIG. 1, a payment system using a digital TV set-top box includes a digital TV 101, a remote controller 103, a set-top box 105, a conditional access system (CAS) 107, and a smart card 109. ), A content providing server 111, a broadcasting station server 113, a product provider operating server 115, a delivery company 117, an authentication server 119, and a payment server 121. When a viewer wants to purchase a desired product while watching a broadcast, or to watch a paid channel, or to purchase content, the viewer selects a desired product or content using the remote control 103 and presses a purchase request button or wants to watch. Select a paid channel and press the subscribe button. The set-top box 105 receives a purchase request signal and notifies the content providing server 111, the broadcasting station server 113, and the product provider operating server 115 to the purchase request. The product provider operating server 115, the content providing server 111, and the broadcasting station server 113 that have been notified of the purchase application request make an authentication and payment request to the set-top box 105. The set top box 105 requests the smart card 109 to be inserted into the conditional access system 107 for identification through the digital TV 101 screen. The viewer inserts the smart card 109 into the conditional access system 107 installed in the set top box 105 and inputs a password for identity verification. The restriction receiving system 107 confirms whether the password recorded in the smart card 109 and the password recorded in the set-top box 105 match through the authentication server 119. As a result of the check, when the passwords match, the set-top box 105 notifies the product provider operating server 115, the content providing server 111, and the broadcasting station server 113 of the authentication result, and pays the digital TV 101. Send the screen. The viewer views the payment screen displayed on the digital TV 101 screen, selects a payment method by pressing a button on the remote control 103, and enters payment information necessary for electronic money payment, credit card payment, or bank transfer payment. Make a request. The set top box 105 receives payment information and transmits the payment information to the payment server 121 of the financial institution. After the payment server 121 pays an amount corresponding to a product price, a content usage fee, or a paid channel viewing fee, the payment server 121 notifies the product provider operating server 115, the content providing server 111, and the broadcasting station server 113 of the payment result. do. The product provider operating server 115, the content providing server 111, and the broadcasting station server 113 receive the information on the authentication and payment processing, and then transmit the order completion fact to the set-top box 105. The set top box 105 notifies the viewer of the order completion through the screen of the digital TV 101. The product supplier operation server 115 instructs the delivery company 117 to deliver the product, and the delivery company 117 delivers the product to the viewer who applied for the product purchase according to the instruction. The content providing server 111 transmits the content requested by the viewer to the set-top box 105. The set top box 105 shows the received content to the viewer through the screen of the digital TV (101). The broadcasting station server 113 transmits a key to the set-top box 105 to unscramble the pay channel that the viewer wants to watch. The set top box 105 receives the key and releases the reception restriction of the limited reception system 107 installed in the set top box 105 to enable pay channel viewing.

The payment system using the conventional digital TV set-top box described with reference to FIG. 1 inserts a smart card into the set-top box and makes a payment by comparing a password stored in the set-top box with a password recorded in the smart card. It has the advantage of preventing the theft of third parties in that it authenticates whether or not it is the person who wants to. However, the prior art is troublesome in that the smart card must be installed in the set-top box by moving to the place where the limited reception system is installed at every payment. In addition, the conventional technology has a problem in that the viewer can make a payment through the payment screen displayed on the digital TV screen, so that when the user makes a payment while watching the broadcast, he / she cannot continuously watch the desired broadcast.

The present invention has been made to overcome the above-mentioned problems of the prior art, when you want to make payments while watching digital TV, while watching a digital TV without having to move to a place where a limited reception system is installed and install a smart card for each payment. An object of the present invention is to provide a digital TV set-top box for transmitting a set-top box and payment information wirelessly using a mobile terminal having a mobile payment system and a payment processing method and system using the mobile terminal.                         

Another object of the present invention is a digital TV set-top box and payment processing using a mobile terminal to wirelessly transmit the payment information already stored in the mobile terminal to the set-top box without having to input the payment information with the remote control when making a payment while watching digital TV. It is to provide a method and system.

Still another object of the present invention is to provide a digital TV set-top box for transmitting payment information to a set-top box through a mobile terminal while continuously watching a desired broadcast without having to display a payment information input screen for payment processing on a TV screen while watching digital TV. And to provide a payment processing method and system using a mobile terminal.

According to an aspect of the present invention to achieve the above object, in the payment processing method using a mobile terminal performed in a set-top box coupled to a digital TV and having a wireless signal transmission and reception, the purchase from a remote control corresponding to the digital TV Receiving an application signal; In response to the purchase request signal, transmitting an application history to a sales agency; Receiving an identity authentication and payment request signal in response to the application details from the sales agency; In response to the identity authentication and payment request signal, transmitting an authentication information input request signal to the mobile terminal through the wireless transceiver; Receiving payment information from the mobile terminal through the wireless transceiver, wherein the mobile terminal extracts payment information stored therein if the authentication information is valid according to the user's input of authentication information; And transmitting the payment information to at least one of a mobile communication company and a financial institution.
In a preferred embodiment, receiving an order completion message from the sales agency; And outputting the order completion message to the digital TV.
In addition, the remote control may be a mobile terminal having a remote control function. The wireless signal transceiver may be a dongle. The wireless signal transmission / reception unit may transmit the authentication information input request signal to the mobile terminal by using at least one of an IrDA method, an RF communication method, a wireless LAN communication method, a Bluetooth method, and a Zigbee method, or transmit payment information from the mobile terminal. It may be to receive. In addition, the selling agency may be at least one of a content providing company, a digital TV broadcasting station, and a product provider. In addition, the authentication information may be a password. In addition, at least one of the mobile communication company and the financial institution that receives the payment information may process payment in response to the purchase request signal, and transmit a payment result to the sales organization. In addition, the payment information may be stored in a mobile chip provided in the mobile terminal.
According to another aspect of the present invention, a payment processing method performed by a mobile terminal that manages a digital TV and is coupled to a set-top box having a wireless transceiver, receiving an authentication information input request signal through a wireless transceiver of the set-top box. Step-Here, the set-top box receives a purchase request signal from the remote control corresponding to the digital TV, and transmits the corresponding application details to the sales agency, and receives the identity verification and payment request signal from the sales agency, Generating the authentication information input request signal in response to the identity authentication and payment request signal; Generating an authentication information input request screen in response to the authentication information input request signal; Outputting a generated authentication information input request screen; Receiving authentication information from the user by using the authentication information input request screen; Determining whether the authentication information is valid; If the authentication information is valid, extracting payment information stored therein; And transmitting the extracted payment information to the set-top box, wherein the set-top box receives payment information from the mobile terminal through a wireless transceiver and transmits the payment information to at least one of a mobile communication company and a financial institution. A payment processing method can be provided.
According to still another aspect of the present invention, a set-top box having a wireless transceiver and coupled to a digital TV to perform a payment processing method using a mobile terminal, the set-top box comprising: a memory in which a program is stored; And a processor coupled to the memory to execute the program, wherein the processor receives, by the program, a purchase request signal from a remote controller corresponding to the digital TV, and in accordance with the purchase request signal, sells the application details. Receives an identity authentication and payment request signal in response to the application details from the sales agency, and in response to the identity authentication and payment request signal, the authentication information input request signal to the mobile terminal through the wireless transceiver And transmitting payment information from the mobile terminal through the wireless transceiver, wherein the mobile terminal extracts payment information stored therein when the authentication information is valid according to the user's input of the authentication information, and the payment information. Sent to at least one of the carriers and financial institutions Can provide a set-top box, wherein the.
According to another aspect of the present invention, a mobile terminal for managing a digital TV, coupled to a set-top box having a wireless transceiver and performing a payment processing method, comprising: a memory in which a program is stored; A processor coupled to the memory to execute the program, wherein the processor receives, by the program, an authentication information input request signal through a wireless transceiver of the set-top box, wherein the set-top box is connected to the digital TV. After receiving the purchase request signal from the corresponding remote control, the corresponding application details are transmitted to the sales agency, and the identity and payment request signals are received from the sales organization, and the authentication is performed in response to the identity and payment request signals. Generating an information input request signal, in response to the authentication information input request signal, generating an authentication information input request screen, outputting the generated authentication information input request screen, and using the authentication information input request screen from a user Receive authentication information and determine whether the authentication information is valid. If the authentication information is valid, the payment information stored therein is extracted and the extracted payment information is transmitted to the set top box, wherein the set top box receives the payment information from the mobile terminal through a wireless transceiver, and then the mobile communication company. And it can provide a mobile terminal, characterized in that for transmitting to at least one of the financial institutions.

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

2 is a diagram schematically showing a payment processing system using a digital TV set-top box and a mobile terminal according to a preferred embodiment of the present invention.

Referring to FIG. 2, when a viewer wants to purchase a desired product or watch a paid channel, or to purchase content while watching a broadcast, the viewer selects a desired product or content using the remote controller 203 to apply for a purchase. Press the button or select the paid channel you want to watch and press the subscribe button. When the mobile terminal 209 has a remote control function, the mobile terminal 209 having a remote control function may be used to select and apply for a product, content or a paid channel. The set-top box 205 receives the contents requested by the viewer through the remote control 203 or the mobile terminal 209 having the remote control function, and provides a content providing server 217, a broadcasting station server 219, and a product provider operating server 221. ), Etc. The product provider operating server 221, the content providing server 217, and the broadcasting station server 219 that have been notified of the application details make a request for authentication and payment to the set-top box 205. After receiving the authentication and payment request signal, the set-top box 205 transmits an authentication information input request signal for authentication to the mobile terminal 209 as a wireless signal 211. The viewer inputs authentication information in response to the authentication information input request sent to the mobile terminal 209. The authentication information may be a password, fingerprint, iris, or the like. The mobile terminal 209 determines whether the authentication information input by the viewer is valid. Specifically, the mobile terminal 209 determines whether the input password, fingerprint, iris, or the like coincides with a previously registered password, fingerprint, iris, or the like. When the inputted authentication information is valid, the mobile terminal 209 extracts payment information stored in advance in the mobile chip mounted therein. The mobile terminal 209 transmits the extracted payment information to the wireless signal transceiver 207 of the set-top box 205 as a wireless signal 211. In order for the wireless signal transceiver 207 to perform wireless communication with the mobile terminal 209, a device such as a network interface or an RF transceiver, wireless LAN, Bluetooth, Zigbee, or the like may be used. In addition, the wireless signal transceiver 207 may use a dongle in a preferred embodiment. The set-top box 205 transmits payment information received from the mobile terminal 209 to the wireless signal transceiver 207 to the mobile telecommunication company 213 and the financial institution 215 to request authentication and payment. The mobile terminal 209, the mobile communication company 213, and the financial institution 215 process authentication and payment requested from the set-top box 205 based on the payment information. Specifically, the set-top box 205 requests the subscriber authentication by transmitting the mobile terminal identifier of the mobile terminal 209 that has transmitted the payment information to the mobile communication company 213. The mobile telecommunication company 213 confirms whether the received mobile terminal identifier corresponds to the corresponding customer based on the customer information stored in a database prepared in advance. The mobile telecommunication company 213 notifies the financial institution 215, the content providing server 217, the broadcasting station server 219, and the product provider operating server 221 of the authentication result when the user of the mobile terminal 209 is a subscribed customer. . After the financial institution 215 receives the authentication result from the mobile carrier 213, the financial institution 213 receives an amount corresponding to a product price, content price, or paid channel viewing fee that the viewer applied for in the subscriber's name subscribed to the mobile carrier 213. Make a payment The financial institution 215 transmits the settlement result to the mobile telecommunication company 213, the content providing server 217, the broadcasting station server 219, and the product provider operating server 221.

The content providing server 217, the broadcasting station server 219, and the product provider operating server 221 are based on the authentication and payment result notified by the mobile carrier 213 and the financial institution 215, and the purchase application history and payment completion fact. Send an order completion message including a set-top box 205. The set top box 205 sends the order completion message to the screen of the digital TV 201. The content providing server 217, the broadcasting station server 219, and the product provider operating server 221 provide a service corresponding to the order details. In detail, the product supplier operation server 221 instructs the delivery company 225 to deliver the product, and the delivery company 225 delivers the product to the viewer who applied for the product purchase according to the instruction. The content providing server 217 transmits the content requested by the viewer to the set-top box 205. The set top box 205 outputs the received content through the screen of the digital TV 201. The broadcasting station server 219 transmits a key to the set top box 205 to unscramble the pay channel that the viewer wants to watch. The set-top box 205 receives the key to solve the reception restriction to enable pay channel viewing. In the exemplary embodiment of the present invention, the apparatus for transmitting and receiving the wireless signal with the set-top box 205 has been described using the mobile terminal 209. However, if the technical idea of the present invention can be included, the wireless signal transmitting and receiving apparatus is the mobile terminal 209. The present invention is not limited thereto, and a device capable of providing ubiquitous services such as a PDA or a notebook may be used.

Figure 3 is a schematic diagram showing the internal configuration of a set-top box according to a preferred embodiment of the present invention.

Referring to FIG. 3, the set-top box includes a memory system 350, at least one central processing unit (CPU) 360 connected to the memory system 350 to perform high-speed operation, an input device 370, and a wireless communication device ( 380).

The central processing unit 360 includes an Arithmetic Logic Unit (ALU) 362 for performing calculations, a register 364 for temporary storage of data and instructions, and a controller 366 for controlling the operation of the set-top box 205. Include. The central processing unit 360 includes Digital, Alpha, MIPS Technologies, MIPS, such as NEC, IDT, Siemens, Intel and Cyrix, AMD, and Nexgen. It could be a processor with a variety of architectures, such as the company's x86 and IBM's and Powerola's PowerPC. The memory system 350 generally includes a high speed main memory 352 in a form of a storage medium such as random access memory (RAM) or read only memory (ROM), a floppy disk, a hard disk, a tape, a CD-ROM, a flash memory, or the like. A secondary memory 354 in the form of a long-term storage medium and a device for storing data using electrical, magnetic, optical or other storage media. In addition, the main memory 352 may include a video display memory for displaying an image through the display device.

The input device 370 may include a keyboard, a mouse, for example, a physical transducer such as a touch screen or a microphone. The wireless communication device 380 may use a network interface or an RF transceiver, a wireless LAN, Bluetooth, Zigbee, etc. for performing wireless communication with the mobile terminal.

4 is a diagram illustrating a module configuration of a set-top box according to an embodiment of the present invention.

Referring to FIG. 4, the set-top box is a transmission / reception processing module 462 for processing wireless communication with a mobile terminal, and receives payment information from a mobile terminal and transfers the payment information to a mobile communication company and a financial institution to process payment information. The module 464 and the authentication and payment result are delivered to the content providing server 217, the broadcasting station server 219, and the product provider operating server 221 to provide the content providing server 217, the broadcasting station server 219, and the product provider operating server. 221 may include a user interface module for providing a service to a viewer. The overall configuration of the set-top box through these application modules is as follows.

The set top box can use various operating systems (OS) as the OS of the system. The OS provides a high level command to an application program interface (402) to control the operation of each application module 460.

The set top box includes a high level instruction processor 404 that identifies each corresponding application module 460 according to the high level instructions provided from the API 402, decodes the high level instructions, and provides them to the corresponding places. The application module controller 450 controls the operation of the application module 460 according to the command provided from the high level command processor 404. That is, the high level instruction processing unit 404 identifies whether there is an application module 460 corresponding thereto according to the high level instruction provided through the API 402, and corresponds to the case where the corresponding application module 460 exists. The decoded command is recognized by the application module 460 and transmitted to the corresponding mapping unit or the message transmission is controlled. Accordingly, the application module controller 450 may include a mapping unit 451, 453, 455, an interface unit 452, 454, for the transmission / reception processing module 462, the payment information processing module 464, and the user interface module 466. 456), respectively.

The transmission / reception processing module mapping unit 451 receives a high level command for performing wireless communication with the mobile terminal from the high level command processing unit 404 and maps the device level to be processed by the transmission / reception processing module 462. The transmission and reception module 462 is provided to the transmission and reception processing module 462 through the transmission and reception processing module interface unit 452.

The payment information processing module mapping unit 453 and the payment information processing module interface unit 454 request payment information to the mobile terminal and then process payment information based on the payment information received from the mobile terminal. That is, the payment information processing module mapping unit 453 receives a high level command for using the payment information processing module 464 from the high level command processing unit 404 and maps it to a device level command, and the payment information processing module The payment information processing module 464 is provided through the interface unit 454.

The user interface module 466 is a module for managing an interface output on the digital TV screen. The user interface module mapping unit 455 receives the high level command applied through the high level command processing unit 404 and maps the device level command to a device level command that can be recognized by the user interface module 466. The device level command is provided to the user interface module 466 through the user interface module interface 456.

5 is a flowchart illustrating a payment processing method using a digital TV set-top box and a mobile terminal according to an exemplary embodiment of the present invention.

Referring to FIG. 5, the digital TV viewer requests a purchase of a product to be purchased or a paid channel to watch while operating the remote control (step 501). When the mobile terminal performs a remote control function, a purchase application may be made using a mobile terminal having a remote control function. After receiving the purchase request signal from the mobile terminal having a remote control or a remote control function, the set-top box notifies the content providing company, the broadcasting station, or the product provider (hereinafter referred to as a 'sales agency') of the application details (step 503). The sales agency makes a request for authentication and payment for the viewer who made a purchase request in the set-top box (step 504). After receiving the authentication and payment request, the set-top box requests input of authentication information to the mobile terminal through a wireless signal transceiver provided in the set-top box to confirm whether the viewer who has applied for a purchase has the authority to use the mobile terminal (step). 505). The wireless signal transceiver provided in the set-top box may transmit a signal to a mobile terminal using a wireless network such as an IRDA signal, an RF signal, a wireless LAN, a Bluetooth, and a Zigbee. The wireless signal transceiver may use a dongle in a preferred embodiment. The viewer enters authentication information into the mobile terminal (step 507). As authentication information, a password, an iris, a fingerprint, etc. can be used. The mobile terminal checks whether the authentication information input by the viewer is valid (step 509). If the authentication information is valid, the mobile terminal extracts payment information stored in advance from the mobile chip mounted in the mobile terminal. The mobile terminal transmits the extracted payment information to the wireless signal transceiver provided in the set top box (step 511). The set-top box transmits the payment information received through the wireless signal transceiver to the mobile communication company and the financial institution and requests authentication and payment (step 513). The mobile carrier and the financial institution process authentication and payment based on the payment information received from the set top box (step 515). The mobile carrier and the financial institution inform the sales organization of the authentication and payment result (step 517). After being notified of the authentication and payment results, the sales organization sends an order completion message to the set-top box indicating that the purchase application and payment for the payment have been completed (step 519). The set-top box outputs the received order completion message on the digital TV screen. The sales agency provides the service requested by the viewer (step 521). In the exemplary embodiment of the present invention, the apparatus for transmitting and receiving a wireless signal with the set-top box has been described using a mobile terminal. However, if the technical idea of the present invention can be included, the wireless signal transceiving device is not limited to the mobile terminal. Etc. A device capable of providing a ubiquitous service can be used.

6 is a flowchart schematically showing a method for processing payment information according to an exemplary embodiment of the present invention.

Referring to FIG. 6, the mobile terminal receives an authentication information request signal from the set top box (step 601). The viewer inputs the requested authentication information from the set top box to the mobile terminal (step 507). The authentication information may be a password, fingerprint, iris, or the like. The mobile terminal determines whether the authentication information input by the viewer is valid (step 509). If the authentication information is valid, the mobile terminal extracts payment information previously stored in the mobile chip mounted in the mobile terminal (step 603). The mobile terminal wirelessly transmits the extracted payment information to the set-top box (step 511).

7 is a flowchart schematically showing a payment information transmission process according to an embodiment of the present invention.

Referring to FIG. 7, the mobile terminal extracts payment information (step 603). The mobile terminal encrypts the extracted payment information (step 701). The mobile terminal converts the electrical signal into a wireless signal (step 703). The mobile terminal transmits the converted wireless signal (step 705). The set top box extracts payment information from the received wireless signal (step 707). The set top box decrypts the payment information (step 709).

8 is an exemplary view schematically showing a product purchase process according to an embodiment of the present invention.

Referring to FIG. 8, when a viewer watches a program using a digital TV and wants to purchase a product included in the broadcast screen 801, the viewer designates the product using a remote control or a mobile terminal equipped with a remote control function. When the viewer designates a product, the digital TV outputs a purchase request screen 803 that provides information on a product to be purchased and selects product details such as color, size, and quantity. When the viewer selects the details of a product to be purchased and inputs a purchase request button, the set-top box notifies the sales agency of the application details and is requested to be authenticated and settled by the sales agency. The set-top box outputs an authentication request screen 805 through a digital TV screen to input authentication information into the mobile terminal to process authentication and payment. The authentication information may be a password, fingerprint, iris, or the like. When the viewer inputs the authentication information to the mobile terminal, the mobile terminal determines whether the authentication information is valid, and if it is valid, transmits the payment information to the set-top box. The set-top box goes through mobile carriers and financial institutions to notify the sales organization of the authentication and payment results, receives an order confirmation signal from the sales organization, and confirms that the purchase request has been completed on the digital TV screen and that the payment has been processed. 807).

According to the present invention, when a user wants to pay while watching a digital TV, the user does not need to go to a place where a limited reception system is installed every time a payment is made, and does not need to install a smart card. The present invention can provide a digital TV set-top box for transmitting set-top box and payment information and a payment processing method and system using a mobile terminal.                     

According to the present invention, when making a payment while watching digital TV, the payment processing using the digital TV set-top box and the mobile terminal wirelessly transmits the payment information already stored in the mobile terminal to the set-top box without having to input the payment information with the remote control. Methods and systems can be provided.

According to the present invention, a digital TV set-top box for transmitting payment information to a set-top box through a mobile terminal while continuously watching a desired broadcast without having to display a payment information input screen for payment processing on a TV screen while watching digital TV; A payment processing method and system using a mobile terminal can be provided.

Claims (13)

In the payment processing method using a mobile terminal coupled to a digital TV and performed in a set-top box having a wireless signal transmission and reception unit, Receiving a purchase request signal from a remote controller corresponding to the digital TV; In response to the purchase request signal, transmitting an application history to a sales agency; Receiving an identity authentication and payment request signal in response to the application details from the sales agency; In response to the identity authentication and payment request signal, transmitting an authentication information input request signal to the mobile terminal through the wireless transceiver; Receiving payment information from the mobile terminal through the wireless transceiver, wherein the mobile terminal extracts payment information stored therein if the authentication information is valid according to the user's input of authentication information; And Transmitting the payment information to at least one of a mobile carrier and a financial institution. Payment processing method using a mobile terminal comprising a. The method of claim 1, Receiving an order completion message from the sales agency; And Outputting the order completion message to the digital TV; Payment processing method using a mobile terminal, characterized in that it further comprises. delete The method of claim 1, The remote control is a mobile terminal having a remote control function Payment processing method using a mobile terminal characterized in that. The method of claim 1, The wireless signal transceiver Being dongle Payment processing method using a mobile terminal characterized in that. The method of claim 1, The wireless signal transceiver Transmitting the authentication information input request signal to the mobile terminal or receiving payment information from the mobile terminal by at least one of an IrDA method, an RF communication method, a wireless LAN communication method, a Bluetooth method, and a Zigbee method. Payment processing method using a mobile terminal characterized in that. The method of claim 1, The sales agency At least one of a content provider, a digital television station, and a product provider Payment processing method using a mobile terminal characterized in that. The method of claim 1, The authentication information is Being a password Payment processing method using a mobile terminal characterized in that. The method of claim 1, At least one of a mobile communication company and a financial institution receiving the payment information performs payment processing in response to the purchase request signal, and transmits a payment result to the sales agency; Payment processing method using a mobile terminal characterized in that. The method of claim 1, The payment information is stored in a mobile chip provided in the mobile terminal Payment processing method using a mobile terminal characterized in that. In the payment processing method performed by a mobile terminal for managing a digital TV and coupled to a set-top box having a wireless transceiver, Receiving the authentication information input request signal through the wireless transceiver of the set-top box, wherein the set-top box receives a purchase request signal from the remote control corresponding to the digital TV, and transmits the corresponding application details to the sales agency Receive an identity authentication and payment request signal from the sales agency, and generate the authentication information input request signal in response to the identity authentication and payment request signal; Generating an authentication information input request screen in response to the authentication information input request signal; Outputting a generated authentication information input request screen; Receiving authentication information from the user by using the authentication information input request screen; Determining whether the authentication information is valid; If the authentication information is valid, extracting payment information stored therein; And Transmitting the extracted payment information to the set-top box; Including but not limited to: The set-top box receives payment information from the mobile terminal through a wireless transceiver, and transmits it to at least one of a mobile communication company and a financial institution. Payment processing method characterized in that. In the set-top box having a wireless transmission and reception unit, coupled to a digital TV to perform a payment processing method using a mobile terminal, A memory in which a program is stored; A processor coupled to the memory to execute the program; The processor by the program, Receive a purchase request signal from the remote control corresponding to the digital TV, according to the purchase request signal, transmit the application details to the sales agency, in response to the application details from the sales agency to receive the identity verification and payment request signal; And in response to the identity authentication and payment request signal, transmit an authentication information input request signal to the mobile terminal through the wireless transceiver, and receive payment information from the mobile terminal through the wireless transceiver—wherein the mobile terminal Extracts the payment information stored therein according to the user's input of the authentication information, and transmits the payment information to at least one of a mobile carrier and a financial institution. Set top box, characterized in that. A mobile terminal for managing a digital TV, coupled to a set-top box having a wireless transceiver, and performing a payment processing method, A memory in which a program is stored; A processor coupled to the memory to execute the program; The processor by the program, Receiving the authentication information input request signal through the wireless transceiver of the set-top box, wherein the set-top box receives the purchase request signal from the remote control corresponding to the digital TV, and transmits the corresponding application details to the sales agency; Receiving an identity authentication and payment request signal from the sales agency, and generating the authentication information input request signal in response to the identity authentication and payment request signal; and in response to the authentication information input request signal, authentication information input request Generate a screen, output the generated authentication information input request screen, receive authentication information from the user using the authentication information input request screen, determine whether the authentication information is valid, and if the authentication information is valid, Extract payment information stored in the storage device and transmit the extracted payment information to the set-top box Being, the set-top box is to transmit to at least one of a post, the carrier and the financial institution receiving the payment information from the mobile terminal through the wireless transceiver Mobile terminal, characterized in that.

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