KR101148038B1 - Method and system for providing electronic settlement service of mobile - Google Patents

Abstract

Disclosed are a method and a system for providing a financial settlement service. Communication system for providing a financial settlement service, Merchant terminal for generating and transmitting payment information; A user terminal receiving payment information from the merchant terminal upon successful authentication with the merchant terminal and transmitting payment request information including the received payment information, a personal identification number, and a payment means; And performing authentication on the user terminal using the personal identification number and the stored personal identification number included in the payment request information, and requesting the payment approval to the financial company server corresponding to the payment method upon successful authentication, and obtaining a response. The service provider payment support server for transmitting the payment approval result information to the terminal and the merchant terminal, respectively.

Description

Method and system for providing mobile settlement service {Method and system for providing electronic settlement service of mobile}

The present invention relates to mobile financial payments, and more particularly, to a method and a system capable of enabling financial payments online or / and offline using a user terminal.

Today, buyers can use their credit cards to process payments at online or offline merchants. For example, for payment at an online merchant, a purchaser may access a card company server using a computer terminal connected to the Internet, and process a desired payment amount through the card company server. In addition, for payment at an affiliated store, the purchaser may request the authentication and approval of the card company server using a card terminal capable of card payment to process a corresponding payment amount. However, the purchaser must have a computer terminal accessible to the Internet for online payment or carry a credit card for offline payment.

In addition, in recent years, various additional functions have been added to the mobile terminal in addition to the basic call setting function. Among the representative additional functions of such a mobile terminal, there are auxiliary functions for payment, such as a function of authenticating means for payment of a credit card, as well as a payment function of adding up a payment amount to a mobile carrier fee. However, there is a problem in that it is not possible to process direct payment using a credit card only with a mobile terminal.

The present invention is to provide a method and system that can reduce the payment amount error in the merchant terminal.

In addition, the present invention is to provide a method and system that can prevent the unpaid amount to be paid to the merchant due to the error of the phase.

In addition, the present invention is to provide a method and system that can reduce the communication fee due to the financial settlement by minimizing the communication connection to the financial server for the financial settlement.

According to an aspect of the present invention, a communication system and a terminal for providing a financial settlement service are provided.

According to an embodiment of the present invention, a communication system for providing a financial settlement service, the merchant terminal generating and transmitting payment information; A user terminal receiving the payment information from the affiliated store terminal upon successful authentication with the affiliated store terminal and transmitting payment request information including the received payment information, a personal identification number, and a payment means; And perform authentication on the user terminal using the personal identification number and the previously stored personal identification number included in the payment request information, and upon successful authentication, request a payment approval from a financial company server corresponding to the payment method to respond. When obtained, a communication system for a financial settlement service including a carrier payment support server for transmitting payment approval result information to the user terminal and the affiliated store terminal may be provided.

According to another embodiment of the present invention, in a user terminal connected to an affiliated store terminal and a carrier billing support server and receiving a financial settlement service, requesting the carrier billing support server to provide an authentication key corresponding to an application for financial settlement An authentication key acquisition unit for acquiring an authentication key; An authentication unit for receiving an authentication key by requesting an authentication key from the affiliated store terminal and performing authentication using the received authentication key and an authentication key obtained through the carrier billing support server; A first communication unit receiving payment information from the affiliated store terminal in response to the authentication success; A control unit for generating payment request information including a selected payment means, a pre-stored personal identification number and the received payment information; And a second communication unit configured to transmit the payment request information to the carrier payment support server under the control of the controller.

According to another aspect of the present invention, a method for receiving a financial payment service is provided at a user terminal connected to an affiliated store terminal and a carrier payment support server.

According to an embodiment of the present invention, in a method for receiving a financial settlement service from a user terminal connected to an affiliated store terminal and a carrier billing support server, requesting the carrier billing support server to provide an authentication key corresponding to an application for financial settlement Obtaining an authentication key; Requesting an authentication key from the affiliated store terminal to receive an authentication key, and performing authentication using the received authentication key and an authentication key obtained through the carrier billing support server; Receiving authentication information from the affiliated store terminal upon successful authentication; Receiving a payment method; And generating and transmitting payment request information including the selected payment means, pre-stored personal identification information, and the received payment information.

By providing the mobile financial payment method and system according to the present invention, it is possible to enable financial payment using the user terminal without a communication connection between the user terminal and the merchant terminal.

The present invention has the advantage of reducing the payment amount error in the merchant terminal.

In addition, the present invention has the advantage that can be prevented that the amount to be paid to the merchant due to the pre-phase error is not paid.

In addition, the present invention has the advantage of reducing the communication fee due to the financial settlement by minimizing the communication connection to the financial server for the financial settlement.

BRIEF DESCRIPTION OF THE DRAWINGS The present invention is capable of various modifications and various embodiments, and specific embodiments are illustrated in the drawings and described in detail in the detailed description. It is to be understood, however, that the invention is not to be limited to the specific embodiments, but includes all modifications, equivalents, and alternatives falling within the spirit and scope of the invention. In the following description of the present invention, if it is determined that the detailed description of the related known technology may obscure the gist of the present invention, the detailed description thereof will be omitted.

The terms first, second, etc. may be used to describe various components, but the components should not be limited by the terms. The terms are used only for the purpose of distinguishing one component from another.

The terminology used herein is for the purpose of describing particular example embodiments only and is not intended to be limiting of the present invention. Singular expressions include plural expressions unless the context clearly indicates otherwise. In this application, the terms "comprise" or "have" are intended to indicate that there is a feature, number, step, operation, component, part, or combination thereof described in the specification, and one or more other features. It is to be understood that the present invention does not exclude the possibility of the presence or the addition of numbers, steps, operations, components, components, or a combination thereof.

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

[Description of Fig. 1]

1 is a block diagram schematically showing the configuration of a mobile financial settlement system according to an embodiment of the present invention.

1, a financial settlement system according to an embodiment of the present invention includes a user terminal 110, a merchant terminal 115, a carrier billing support server 120, a location obtaining server 125, and a financial company server 130. It is configured to include.

The user terminal 110 is a device capable of receiving various services provided by a carrier company through a communication network (for example, WCDMA, WIBRO, WI-FI, etc.). In addition, the user terminal 110 is a device capable of Near Field Communication (NFC).

For example, the user terminal 110 may be equally applicable to both a modem for short-range wireless access and a device capable of accessing a mobile communication network.

In addition, the user terminal 110 may be a terminal in which an application for using a financial settlement service (for example, electronic wallet, VM, mobile banking, etc.) is installed through a communication network.

The merchant terminal 115 is a terminal installed in a merchant of an online or / or offline communication provider, and generates payment information according to a product purchase of the user terminal 110 and transmits it to the user terminal 110 using a short range wireless communication function. do.

That is, the affiliated store terminal 115 is a device having a separate module for short-range wireless communication. When the user terminal 110 is located in close proximity to the affiliated store terminal 115, the user terminal 110 purchases it. Payment information corresponding to the article may be transmitted to the user terminal 110 using short-range wireless communication.

The carrier billing support server 120 is connected to the user terminal 110 and the affiliated store terminal 115 via a communication network, respectively, and generates an authentication key for authentication of the user terminal 110 and the affiliated store terminal 115 to the user terminal ( 110 and transmit to the merchant terminal 115, respectively.

For example, when the carrier request support server 120 receives an access request from the affiliated store terminal 115, the carrier payment support server 120 may generate a different authentication key and transmit the generated authentication key to the affiliated store terminal 115 and the user terminal 110, respectively. Here, the access request of the affiliated store terminal 115 may include terminal information on the user terminal 110 and terminal information on the affiliated store terminal 115, respectively. Here, the terminal information is identification information for identifying each terminal, for example, may be any one or combination of one or more of a telephone number, MIN number and hardware information (for example, MAC information).

In addition, the carrier payment support server 120 performs a function of mediating the financial settlement between the user terminal 110 and the merchant terminal 115.

Hereinafter, a function of the carrier billing support server 120 in the middle of the user terminal 110, the merchant terminal 115, and the financial company server 130 for the mobile financial payment service will be described in more detail below. Shall be.

In addition, the carrier payment support server 120 may obtain location information at the time of initial installation of the affiliated store terminal 115 through the location acquisition server 125. Subsequently, the carrier payment support server 120 may obtain a location at a current time of the affiliated store terminal 115 and control the payment not to be made when it is out of a predetermined range.

That is, the affiliated store terminal 115 is provided with a communication modem that can be connected to the mobile communication network. Accordingly, the location of the affiliated store terminal 115 may be continuously tracked through the communication system. Since this is obvious to those skilled in the art, a separate description will be omitted.

The location acquisition server 125 stores locations of the user terminal 110 and the affiliated store terminal 115, and extracts and provides location information of the affiliated store terminal 115 in response to a request of the carrier payment support server 120. It performs the function.

The financial company server 130 approves the payment in response to the payment approval request from the user terminal 110 via the carrier payment support server 120, and transmits the approval result to the carrier payment support server 120.

[Description of Fig. 2]

2 is a block diagram schematically showing the internal configuration of a carrier billing support server according to an embodiment of the present invention.

2, the carrier billing support server 120 according to an embodiment of the present invention is a data transmission and reception unit 210, authentication key generation unit 220, authentication unit 230, storage unit 240 and the control unit ( 250).

The data transceiver 210 performs a function of transmitting and receiving data with various devices (for example, the user terminal 110, the merchant terminal 115, the financial company server 130, etc.) through a communication network.

For example, the data transceiver 210 may be requested to provide an authentication key from the user terminal 110 and the affiliated store terminal 115 through a communication network.

If the authentication key generator 220 is requested to provide the authentication key from the user terminal 110 and the merchant terminal 115, the authentication key generation unit 220 may generate the authentication key according to a preset method. Subsequently, the authentication key generation unit 220 may control to transmit the authentication key generated through the data transmission / reception unit 210 to the user terminal 110 and the affiliated store terminal 115, respectively.

For another example, when the authentication key generation unit 220 is requested to provide an authentication key including first terminal information and second terminal information from the affiliated store terminal 115, the authentication key generation unit 220 generates the authentication key and the affiliated store terminal 115 and the user. It may be transmitted to the terminal 110, respectively. Here, the first terminal information may be terminal information on the user terminal 110, and the second terminal information may be terminal information on the affiliated store terminal 115.

When the authentication unit 230 receives a payment request including a payment means, a personal identification number, and payment information from the user terminal 110, the personal identification information included in the payment request and the personal identification of the previously stored user terminal 110. Authentication may be performed for the user terminal 110 using the number.

The storage unit 240 stores algorithms necessary for operating the carrier payment support server 120 according to an embodiment of the present invention, terminal information about the affiliated store terminal 115 and the user terminal 110, and the like. In addition, the storage unit 240 maps and stores the second terminal information and the personal identification number for each user terminal 110.

In addition, the storage 240 may map and store payment history information received from the affiliated store terminal 115 through the data transceiver 210 under the control of the controller 250 to the second terminal information.

The control unit 250 is an internal component of the carrier billing support server 120 according to an embodiment of the present invention (for example, data transmission and reception unit 210, authentication key generation unit 220 and storage unit 240, etc.) ) Function.

[Description of Fig. 3]

3 is a block diagram schematically illustrating an internal configuration of a user terminal according to an exemplary embodiment of the present invention.

Referring to FIG. 3, the user terminal 110 according to an exemplary embodiment of the present invention may include a first communication unit 310, a second communication unit 320, an input unit 325, a display unit 330, and an authentication key acquisition unit 335. ), An authentication unit 340, a storage unit 345, and a control unit 350.

The first communication unit 310 performs a function of transmitting and receiving data with the affiliated store terminal 115 using a short range wireless communication technology under the control of the control unit 350.

For example, the first communication unit 310 may transmit an authentication key providing request to the affiliated store terminal 115 under the control of the control unit 350.

In addition, the first communication unit 310 may receive the authentication key including the first terminal information from the affiliated store terminal 115 and output the authentication key to the authentication unit 340.

The second communication unit 315 performs a function of transmitting and receiving data with the carrier payment support server 120 through a mobile communication network or a wireless communication network under the control of the control unit 350.

Here, the second communication unit 315 may transmit and receive data with the carrier billing support server 120 through any one of the WCDMA, WIBRO, Wi-Fi communication network.

The input unit 325 is a means for receiving a command for controlling the user terminal 110 from the user. For example, the input unit 2 may include a plurality of key buttons (eg, one or more numeric key buttons, special symbol key buttons, etc.). In some embodiments, the input unit 325 may be implemented as an input unit based on a touch screen or voice recognition.

The display unit 330 displays and outputs information processed by the user terminal 110.

For example, when the user terminal is in a call mode, a user interface (UI) or a graphic user interface (GUI) related to a call is displayed. When the mobile terminal 100 is in a video call mode or a photographing mode, the mobile terminal 100 displays photographed and / or received images, a UI, and a GUI.

The display unit 330 may include a liquid crystal display, a thin film transistor-liquid crystal display, an organic light-emitting diode, a flexible display, and a three-dimensional display. It may include at least one of (3D display).

When the first terminal information is received from the affiliated store terminal 115 through the first communication unit 310, the authentication key obtaining unit 335 makes an authentication key request including the first terminal information and the second terminal information. It transmits to the carrier payment support server 120 through 320 to obtain the authentication key.

Authentication unit 340 is obtained by requesting the authentication key from the merchant terminal 115, and obtained from the merchant terminal 115 and the authentication key received from the carrier payment support server 120 through the authentication key acquisition unit 335 The authentication key is compared to authenticate the affiliated store terminal 115.

That is, the authentication unit 340 may perform authentication on the merchant terminal 115 by comparing the authentication key received from the carrier payment support server 120 with the authentication key obtained from the affiliated store terminal 115. .

The storage unit 345 stores an algorithm required for operating the user terminal 110, an authentication key received from the carrier payment support server 120, a personal identification number corresponding to the user terminal 110, and the like.

The controller 350 may include internal components of the user terminal 110 (for example, the first communication unit 310, the second communication unit 320, the input unit 325, and the display unit 330). ), The authentication key acquisition unit 335, the authentication unit 340, and the storage unit 345.

In addition, the control unit 350 is a successful authentication result of the authentication unit 340, when the payment information is received from the merchant terminal 115 through the first communication unit 310, one or more available in the user terminal 110 The payment means is controlled to be output through the display unit 330.

In addition, when any one of the payment means is selected through the input unit 325, the controller 350 extracts a previously stored personal identification number and provides payment request information including the extracted personal identification number, the selected payment means, and payment information. It may be generated and controlled to be transmitted to the carrier payment support server 120 through the second communication unit 320.

In addition, when a payment history inquiry command is requested through the input unit 325, the controller 350 may request payment history inquiry to the carrier payment support server 120 to control payment history information to be received.

[Description of Fig. 4]

4 is a flowchart illustrating a method for receiving a financial settlement service in a user terminal according to an embodiment of the present invention.

Each step described below is performed by each internal component of the user terminal 110, but will be collectively described as a user terminal for convenience of understanding and description.

In operation 410, the user terminal 110 determines whether an application for financial settlement installed in the user terminal 110 is driven.

Here, the application for financial settlement may be, for example, a VM for an electronic wallet, a bank or a credit settlement service. Since this is obvious to those skilled in the art, a separate description will be omitted.

That is, when a driving command of an application for financial settlement is input from the user, the user terminal 110 may drive an application for financial settlement corresponding to the driving instruction.

If the application for financial settlement is not running, the user terminal waits at step 410.

However, if the application for financial settlement is running, in step 415 the user terminal 110 requests to provide the authentication key to the carrier billing support server 120.

Here, the authentication key providing request may include terminal information for the user terminal 110 and the merchant terminal 115.

In more detail, when the application for financial settlement is driven, the user terminal 110 may request and provide the terminal information of the affiliated store terminal 115 to the affiliated store terminal 115 using a short range wireless communication technology.

Accordingly, when the first terminal information about the affiliated store terminal 115 is obtained, the user terminal 110 may request the carrier billing support server 120 to provide an authentication key including the first terminal information and the second terminal information. have.

In step 420, the user terminal 110 receives the authentication key from the carrier billing support server 120.

In operation 425, the user terminal 110 requests and obtains an authentication key from the affiliated store terminal 115.

In operation 430, the user terminal 110 compares whether the authentication key received from the carrier payment support server 120 and the authentication key obtained from the affiliated store terminal 115 are identical to perform authentication on the affiliated store terminal 115.

If authentication fails, the user terminal 110 proceeds to step 415.

In addition, the affiliated store terminal 115 also requests and obtains an authentication key from the user terminal 110, and then compares the authentication key with the authentication key received from the carrier payment support server 120 to authenticate the corresponding user terminal 110. Perform.

If the authentication is successful, the affiliated store terminal 115 may generate payment information for a product (article) purchased by the user terminal 110 and transmit the generated payment information to the corresponding user terminal 110. Here, the payment information is information about the payment amount.

However, if authentication is successful, the user terminal 110 receives payment information from the affiliated store terminal 115 in step 435.

In operation 440, the user terminal 110 displays payment methods available to the corresponding user terminal 110 in response to the payment information.

In operation 445, the user terminal 110 receives one of the displayed payment means from the user.

In operation 450, the user terminal 110 generates payment request information including the selected payment method, payment information, and a personal identification number previously stored in the user terminal 110, and transmits the generated payment request information to the carrier payment support server 120.

In operation 455, the user terminal 110 receives payment approval result information from the carrier payment support server 120.

Subsequently, when a command for querying payment details of a product purchased from a user is input, the user terminal 110 may request payment details inquiry to a carrier billing support server 120 to receive payment details.

[Description of Fig. 5]

5 is a flowchart illustrating a method of performing a financial settlement service for a user terminal according to an embodiment of the present invention.

In operation 510, when the application for financial settlement installed in the user terminal 110 is driven, the user terminal 110 requests terminal information from the affiliated store terminal 115 using short-range wireless communication.

In operation 515, the user terminal 110 receives first terminal information from the affiliated store terminal 115.

In operation 520, when the first terminal information is received, the user terminal 110 requests the carrier billing support server 120 to provide an authentication key including the first terminal information and the second terminal information.

In step 525, the carrier billing support server 120 generates an authentication key according to the request for providing the authentication key, and stores the authentication key generated using the first terminal information and the second terminal information in the affiliated store terminal 115 and the user terminal 110. Transmit each).

The terminal information is identification information for identifying the user terminal 110 and may be any one or a combination of one or more of a phone number, a MIN number, and hardware information (for example, MAC information) for the user terminal 110. have.

For another example, the user terminal 110 transmits an authentication key request to the affiliated store terminal 115 in response to driving an application for financial settlement installed in the user terminal 110. Accordingly, the merchant terminal 115 may request to provide the authentication key to the carrier payment support server 120.

When the user terminal 110 and the merchant terminal 115 receive an authentication key from the carrier payment support server 120, the user terminal 110 and the affiliated store terminal 115 perform mutual authentication in step 530.

In more detail, the user terminal 110 requests and obtains an authentication key from the merchant terminal 115, compares the authentication key with the authentication key received from the carrier payment support server 120, and compares the authentication key with the merchant terminal 115. Perform authentication for).

In addition, the affiliated store terminal 115 requests and obtains an authentication key from the user terminal 110, compares the authentication key with the authentication key received from the carrier billing support server 120, and compares the authentication key to the user terminal 110. Authentication can be performed.

Here, if the authentication is successful, in step 535, the merchant terminal 115 generates payment information for the purchased product corresponding to the user terminal 110 and transmits the generated payment information to the user terminal 110 using short-range wireless communication.

As described above, the payment information may be price information about a product purchased in correspondence with the user terminal 110. Naturally, the terminal information about the affiliated store terminal 115 and the user terminal 110 may also be transmitted to the user terminal 110 together with the payment information.

In operation 540, the affiliated store terminal 115 generates payment detail information about the product purchased by the user terminal 110 and transmits the generated payment information to the carrier payment support server 120. Here, the payment history information may further include first terminal information for the affiliated store terminal 115 and second terminal information for the user terminal 110 that purchased the article.

The carrier billing support server 120 may map payment details to second terminal information on the user terminal 110 and store the payment details.

In operation 545, when the payment information is received from the affiliated store terminal 115, the user terminal 110 selects a payment method, and transmits a payment request including the selected payment method, a personal identification number, and payment information to the carrier payment support server 120. Can be sent to. Here, the personal identification information may be, for example, a personal identification number (PIN) as an identification number assigned to a subscriber of the user terminal 110 to enable a financial settlement service using the user terminal 110.

For example, the payment method may be internet banking, credit card, or the like. Accordingly, the payment means may include financial company information corresponding to the payment means together with the payment means.

It is obvious that step 540 and step 545 may be performed in parallel, respectively, and step 545 may be performed before step 540.

In operation 550, the carrier payment support server 120 extracts the personal identification number included in the payment request according to the payment request of the user terminal 110 and performs authentication on the user terminal 110.

For example, the carrier payment support server 120 may perform authentication on the user terminal 110 by comparing the personal identification number and the previously stored personal identification number for the user terminal 110.

When authentication fails, the carrier payment support server 120 may generate an authentication failure message and transmit the generated authentication message to the user terminal 110.

However, if the authentication is successful in step 555, the carrier payment support server 120 may request the payment approval to the financial company server 130 corresponding to the payment method included in the payment request.

To this end, the carrier payment support server 120 may map and store access information to the financial company server 130 corresponding to each payment method. Accordingly, the carrier payment support server 120 extracts the access information to the financial company server 130 corresponding to the payment method included in the payment request received from the user terminal 110 and uses the same to inform the financial company server 130. You can request a payment authorization.

Here, the payment approval request may include terminal information (ie, second terminal information) and payment information for the user terminal 110.

In addition, when authentication is successful, the payment means received from the user terminal 110 may be further mapped and stored in the table in which the second terminal information and the payment history information are mapped. Therefore, when the payment history inquiry is requested from the user terminal 110, the payment history information mapped to the user terminal 110 may be extracted and provided to the user terminal 110 as payment history information.

In operation 560, the telecommunication company payment support server 120 receives a payment approval response from the financial company server 130.

Subsequently, in operation 565, the carrier payment support server 120 may generate payment approval result information and transmit the generated payment approval information to the affiliated store terminal 115 and the user terminal 110.

It will be apparent to those skilled in the art that various modifications and variations can be made in the present invention without departing from the spirit or scope of the invention as defined in the appended claims. It will be understood that the invention may be varied and varied without departing from the scope of the invention.

1 is a block diagram schematically showing the configuration of a mobile financial settlement system according to an embodiment of the present invention.

Figure 2 is a block diagram schematically showing the internal configuration of the carrier billing support server according to an embodiment of the present invention.

3 is a block diagram schematically showing an internal configuration of a user terminal according to an embodiment of the present invention.

4 is a flowchart illustrating a method for receiving a financial settlement service in a user terminal according to an exemplary embodiment of the present invention.

5 is a flowchart illustrating a method of performing a financial settlement service for a user terminal according to an embodiment of the present invention.

Claims (13)

In a communication system for providing a financial settlement service, Merchant terminal for generating and transmitting payment information; A user terminal receiving the payment information from the affiliated store terminal upon successful authentication with the affiliated store terminal and transmitting payment request information including the received payment information, a personal identification number, and a payment means; And When an authentication key request including first terminal information and second terminal information is received from at least one of the affiliated store terminal and the user terminal, an authentication key is generated to use the first terminal information and the second terminal information. Transmits to the affiliated store terminal and the user terminal, authenticates the user terminal using the personal identification number and the stored personal identification number included in the payment request information, and when the authentication is successful, corresponds to the payment means. And a payment service support server for transmitting payment approval result information to the user terminal and the affiliated store terminal, when a response is obtained by requesting a payment approval from a financial company server. The method according to claim 1, The first terminal information is the identification information of the merchant terminal, the second terminal information is a communication system for a financial settlement service, characterized in that the identification information of the user terminal. delete The method according to claim 1, The user terminal requests and obtains an authentication key including the second terminal information from the affiliated store terminal. And comparing the authentication key obtained from the affiliated store terminal with the authentication key received from the service provider payment support server to perform authentication on the affiliated store terminal. The method according to claim 1, The affiliated store terminal requests and obtains an authentication key including the first terminal information from the user terminal. Comparing the authentication key obtained from the user terminal and the authentication key received from the carrier billing support server to generate a payment information upon successful authentication, the communication system for the financial settlement service, characterized in that for transmitting. The method according to claim 1, The carrier billing support server receives payment history information on the goods purchased in correspondence with the user terminal from the merchant terminal to store the mapping to the user terminal, And requesting payment details inquiry from the user terminal, extracting payment details information mapped to the user terminal, and providing the extracted payment history information to the user terminal. In the user terminal connected to the merchant terminal and the carrier payment support server to receive a financial payment service, An authentication key acquisition unit for obtaining an authentication key by requesting the carrier billing support server to provide an authentication key corresponding to driving an application for financial settlement; An authentication unit for receiving an authentication key by requesting an authentication key from the affiliated store terminal and performing authentication using the received authentication key and an authentication key obtained through the carrier billing support server; A first communication unit receiving payment information from the affiliated store terminal in response to the authentication success; A control unit for generating payment request information including a selected payment means, a pre-stored personal identification number and the received payment information; And A second communication unit for transmitting the payment request information to the carrier payment support server under the control of the controller, The carrier billing support server generates an authentication key according to the request for providing the authentication key and transmits the authentication key to the affiliated store terminal and the user terminal, respectively. 8. The method of claim 7, A display unit displaying a plurality of payment means; And The user terminal further comprises an input unit for selecting any one of the displayed plurality of payment means. delete 8. The method of claim 7, The first communication unit communicates using a short range wireless communication protocol, The second communication unit is a user terminal, characterized in that for communicating in any one of the protocol of WCDMA, WIBRO and Wi-Fi. In the method for receiving a financial payment service at the user terminal connected to the merchant terminal and the carrier billing support server, Acquiring an authentication key by requesting the carrier billing support server to provide an authentication key corresponding to driving an application for a financial settlement; Requesting an authentication key from the affiliated store terminal to receive an authentication key, and performing authentication using the received authentication key and an authentication key obtained through the carrier billing support server; Receiving authentication information from the affiliated store terminal upon successful authentication; Receiving a payment method; And Generating and transmitting payment request information including the selected payment means, pre-stored personal identification information, and the received payment information, The carrier billing support server generates an authentication key according to the authentication key providing request and transmits to the merchant terminal and the user terminal, respectively. 12. The method of claim 11, Before the step of selecting the payment method, The method may further include displaying one or more payment methods available at the user terminal. The step of receiving the payment means is a method of providing a financial payment service, characterized in that the step of receiving any one of the displayed payment means. 12. The method of claim 11, The payment information is a financial settlement service providing method, characterized in that the price information for the goods purchased corresponding to the user terminal.

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