KR101407955B1 - Method for Registering Payment Means, System And Terminal Therefor - Google Patents

Abstract

A payment method registration method and system, apparatus, and terminal for the method are disclosed.
When the payment means information is authenticated, stores the received OTP (One Time Password) authentication key corresponding to the payment means information, and then registers the payment means information as registration completion A terminal for processing; And a payment means registration device for generating an OTP authentication key using an external device according to the payment means information and transmitting the generated OTP authentication key to the terminal when the authentication of the payment means information is completed, And a payment method registration system for electronic payment.
According to the present embodiment, there is an effect that OTP authentication is performed according to the payment means information selected by the user through the terminal in order to perform electronic payment, thereby more securely registering the payment means.

Description

METHOD FOR REGISTERING PAYMENT METHOD AND SYSTEM, DEVICE, AND TERMINAL FOR THE METHOD,

The present embodiment relates to a payment method registration method, a system, an apparatus and a terminal for the method. More particularly, the present invention relates to a payment method registration method for allowing an OTP (One Time Password) authentication according to a payment means information selected by a user through a terminal to perform electronic payment, , A device and a terminal.

The contents described in this section merely provide background information on the present embodiment and do not constitute the prior art.

Common methods of payment such as credit card, debit card, or bank account are widely used for general commercial or e-commerce transactions. However, the conventional payment method has problems such as inconvenience to possession of cash, risk of loss of cash, troubles such as return of balance, etc. when using cash. In addition to these problems, the use of credit cards is recommended as a way to increase the tax transparency of commercial transactions and many other payment methods are being developed. In particular, as the e-commerce using the Internet has been steadily growing, the payment market has been rapidly expanding. Until now, most of the payment methods on the Internet were credit card and online bank transfer, but recently, mobile phones, wired and wireless ARS Service) has emerged and the frequency of use is rapidly increasing.

However, in the case of such payment means, it is inconvenient to issue a separate module or card, and there is a problem that damage due to personal information leakage may occur.

In order to solve the above-described problems, the embodiment of the present invention provides a payment method registration method for performing OTP authentication according to the payment means information selected by a user through a terminal to perform electronic payment, The present invention provides a system, a device, and a terminal.

According to an aspect of the present invention, there is provided an information processing method for transmitting payment means information selected by a user's operation or command, and when the payment means information is authenticated, A terminal for registering the payment means information after storing the authentication key; And a payment means registration device for generating an OTP authentication key using an external device according to the payment means information and transmitting the generated OTP authentication key to the terminal when the authentication of the payment means information is completed, And a payment method registration system for electronic payment.

According to another aspect of the present invention, there is provided a mobile terminal comprising: a payment means receiving unit for receiving payment means information from a terminal; An OTP authentication key generation unit for generating an OTP authentication key using an external device according to the payment means information; A payment means registration unit for registering the payment means information and transmitting the OTP authentication key to the terminal; And an inquiry control unit for controlling the payment means information to be inquired or changed according to the request of the terminal.

According to still another aspect of the present invention, there is provided a payment apparatus comprising: a payment means transfer unit for transferring payment means information selected by a user's operation or command to a payment means registration apparatus; When the payment means information is authenticated by the payment means registration device, the OTP (One Time Password) authentication key received corresponding to the payment means information is stored from the payment means registration device, and the payment means information is registered A payment means storage unit; And an inquiry and changing unit for transmitting inquiry request information or change request information for the payment means information by an operation or command of the user.

According to another aspect of the present invention, there is provided a method of registering a payment means by a payment means registration apparatus, comprising: a payment means receiving step of receiving payment means information from a terminal; An OTP authentication key generation step of generating an OTP authentication key using an external device according to the payment means information; A payment means registration step of registering the payment means information and transmitting the OTP authentication key to the terminal; And a payment means control step of controlling to inquire or change the payment means information at the request of the terminal.

According to another aspect of the present invention, there is provided a method for a terminal to register a payment means, comprising: a payment means transmission step of transmitting payment means information selected by a user's operation or command to a payment means registration device; A payment means storing step of storing the OTP authentication key received corresponding to the payment means information from the payment means registration device and completing the payment means information when the payment means registration means authenticates the payment means information; And an inquiry and changing step of transmitting inquiry request information or change request information for the payment means information by an operation or command of the user.

As described above, according to the present embodiment, OTP authentication is performed according to the payment means information selected by the user through the terminal in order to perform electronic payment, thereby more securely registering the payment means. According to this embodiment, OTP authentication is performed through the external device based on the selected payment means in the process of registering the electronic payment means, thereby enhancing the security of the payment means.

1 is a block diagram schematically showing a payment means registration system according to the present embodiment,
2 is a block diagram schematically showing a settlement means registering apparatus according to the present embodiment,
3 is a block diagram schematically showing a terminal according to the present embodiment,
4A and 4B are flowcharts for explaining a member registration method for electronic settlement according to the present embodiment,
5 is a flowchart illustrating a credit card registration method according to the present embodiment.
6 is a flowchart for explaining a method of registering a phone number according to the present embodiment,
7 is a flowchart for explaining a transaction history inquiry method according to the present embodiment,
8 is a flowchart for explaining a main payment means changing method according to the present embodiment.

Hereinafter, the present embodiment will be described in detail with reference to the accompanying drawings.

1 is a block diagram schematically showing a payment means registration system according to the present embodiment.

The payment means registration system according to the present embodiment includes a terminal 110, an electronic payment application 112, a communication network 120, a payment means registration device 130, a communication company apparatus 140, a communication company OTP (One Time Password) A card issuing device 150, and a card company OTP providing device 152. [ In this embodiment, the payment means registration system comprises the terminal 110, the electronic payment application 112, the communication network 120, the payment method registration device 130, the communication company apparatus 140, the communication company OTP provision apparatus 142, The present invention is not limited to the above-described embodiments, but may be modified and changed without departing from the scope and spirit of the present invention. For example, The present invention can be variously modified and applied to components included in the payment method registration system within a range not deviating from essential characteristics of an embodiment of the present invention.

The terminal 110 is a terminal capable of transmitting and receiving various data via the communication network 120 according to a key operation of a user. The terminal 110 may be a tablet PC, a laptop, a personal computer (PC) A smart phone, a personal digital assistant (PDA), a mobile communication terminal, and the like. The terminal 110 may be a cloud computing terminal that supports cloud computing that can use services such as data reading, writing, storing, network, and content usage through the communication network 120.

That is, the terminal 110 is a terminal that performs voice or data communication using the communication network 120 and stores a browser, a program and a protocol for communicating with the payment method registration device 130 via the communication network 120 A memory, and a microprocessor for executing and controlling various programs. That is, the terminal 110 may be any terminal as long as server-client communication with the payment method registration device 130 is possible, and it is a broad concept including all communication computing devices such as a notebook computer, a mobile communication terminal, and a PDA . Meanwhile, the terminal 110 is preferably manufactured with a touch screen, but is not limited thereto. In the present embodiment, the terminal 110 is described as being implemented as a separate device from the payment method registration device 130. However, in actual implementation, the terminal 110 includes all of the payment method registration device 130 (Stand Alone) device.

The terminal 110 may drive an electronic payment application by a user's operation or command, and may perform member registration through an electronic payment application. More specifically, the electronic payment application is an application installed after downloading through the application store if the terminal 110 is a smart phone. If the terminal 110 is a feature phone (Virtual machine) downloaded through the communication company apparatus 140. [0050]

In order to perform the electronic settlement, the terminal 110 must perform the member registration. Hereinafter, the terminal 110 mounts the electronic settlement application 112 to perform member registration, When at least one of the first authentication information, the second authentication information, and the fourth authentication information input by the user is authenticated, the application ID for the electronic settlement is received, the payment means information is registered, Completion is handled. The terminal 110 downloads the electronic settlement application 112. To explain the process, the terminal 110 transmits a user's selection information through the application providing apparatus or a user The electronic payment application 112 is downloaded from the application providing apparatus and the downloaded electronic payment application is installed.

In addition, in the member registration process, the terminal 110 confirms whether or not the second authentication information inputted by the user is authenticated, and when the second authentication information is authenticated, the second authentication process Receives the application ID from the payment method registration device 130 after transmitting the completion signal and transmits the fourth authentication procedure completion signal to the payment method registration device 130 when the fourth authentication information inputted by the user is authenticated Registers the payment means information inputted by the user, and receives the registration completion signal from the payment means registration device 130, and then processes the member registration completion.

In order to perform the first authentication procedure in the member registration process, the terminal 110 transmits a first authentication request signal for approving the operation of the electronic payment application 112 to the payment means registration device 130, If the first authentication information corresponding to the first authentication request signal is inputted, it is checked whether or not the first authentication information is authenticated. If it is determined that the first authentication information is authenticated, And transmits a first authentication procedure completion signal. Here, the first authentication information and the identification information are preferably authentication numbers each made up of a combination of at least one of a predetermined number, a letter and a symbol, but are not limited thereto. Also, the terminal 110 receives the identification information corresponding to the first authentication request signal from the payment method registration device 130 to perform the first authentication procedure, and when the first authentication information and the identification information match, 1 Confirm that the authentication information is authenticated. Here, the process of performing the first authentication procedure may be omitted depending on the OS (Operating System) installed in the terminal 110. [ That is, the payment method registering device 130 can identify the terminal 110 according to the type of the OS installed in the terminal 110, thereby performing or omitting the first authentication procedure. For example, when the OS installed in the terminal 110 is Android, the payment method registration device 130 can identify the terminal 110, so that the process of performing the first authentication procedure can be omitted. However, If the OS installed in the mobile terminal 110 is iOS (iPhone OS), the payment method registration device 130 can not identify the terminal 110, and therefore, the first authentication procedure should be performed.

In addition, in the member registration process, in order for the terminal 110 to perform the second authentication procedure, the terminal 110 transmits the second authentication information including at least one of the telephone number information and the resident registration number for the user of the terminal 110 If the authentication information matches the user information of the terminal 110, it is confirmed that the second authentication information is authenticated. At this time, the terminal 110 can confirm the authentication of the second authentication information by using the internal memory or the payment method registering device 130 that stores the user information of the terminal 110. [

In addition, in order to perform the fourth authentication procedure, when the fourth authentication information including the PIN (Personal Identification Number) input by the user is authenticated in the member registration process, Encrypts and stores the authentication key, and transmits a fourth authentication procedure completion signal to the payment method registration device 130. [ The PIN is a kind of personal identification number, which is generally set to four digits, and is assigned an eight-digit Personal Unblocking Key (PUK). On the other hand, the PIN can be changed according to the user's need. If the user incorrectly inputs the PIN more than a predetermined number of times consecutively, the PIN can be reset by inputting the PUK because the subscriber identification module is locked. However, if the PUK is entered more than a predetermined number of times, the PUK must be discarded and re-granted.

When the terminal 110 confirms the authentication of the second authentication information, the terminal 110 transmits the second authentication procedure to the payment method registering device 130. In this case, And receives the application ID from the payment method registration device 130 after transmitting the completion signal. The terminal 110 registers at least one of credit card information, check card information, phone bill information, and financial account information input by the user, The above information is registered as payment means information. On the other hand, the telephone bill refers to a payment in which a user charges an electronic payment by adding the fee to the charge of the terminal 110. [ In addition, when receiving a registration completion signal from the payment method registration device 130, the terminal 110 outputs a registration completion screen page for a member registration process.

The process of registering the payment means according to the present embodiment will be described. The terminal 110 transmits the payment means information selected by the user's operation or command to the payment means registration device 130, and when the payment means information is authenticated And stores the OTP authentication key received corresponding to the payment means information from the payment method registering device 130, and then finishes registration completion of the payment means information. Here, the payment means information includes at least one of credit card information, check card information, phone bill information, and financial account information. At this time, the terminal 110 receives the encrypted OTP authentication key from the payment means registration device 130, decrypts the encrypted OTP, and re-encrypts the encrypted OTP together with information (for example, PIN information) necessary for authentication. For the operation of the terminal 110, the terminal 110 uses the electronic payment application 112 on which the terminal 110 is installed. The process of registering the payment means by the terminal 110 may be more specifically described as follows. The payment means information selected by the user's operation or command is transmitted to the payment means registration device 130, ) Stores the OTP authentication key received corresponding to the payment means information from the payment means registration device 130, and then finishes the registration of the payment means information, and when the payment means information is authenticated by the user's operation or command And transmits the inquiry request information or the change request information for the means information.

To describe the process of registering credit card information by the terminal 110 according to the present embodiment, the terminal 110 transmits payment means information including credit card information as payment means to the payment means registration device 130, Card information, card aliasing information, card number information, card validity period information, virtual card number information, and the like of the selected company information, and selects one of the pieces of business information received from the payment method registration device 130 And payment method authentication information including at least one of information and CVC information to the payment method registering device 130. [ Then, the terminal 110 stores the received OTP authentication key in response to the credit card information, which is the payment means information, from the payment means registration device 130, and then finishes the registration means information registration processing.

The terminal 110 according to the present exemplary embodiment of the present invention registers terminal information in the terminal 110. The terminal 110 transmits the terminal information including the terminal information as payment means to the terminal 130, And transmits the telephone bill registration information including at least one of telephone number information and electronic payment application ID information to the payment method registering device according to the telephone bill registration request information received from the registering device 130. [ Then, the terminal 110 stores the received OTP authentication key corresponding to the telephone bill information, which is the payment means information, from the payment means registration device 130, and then finishes the registration means information registration processing.

[0054] In the meantime, when the terminal 110 according to the present embodiment inquires or changes the payment means, when the inquiry request information about the payment means information is input by the user's operation or command, Transmits the request information to the payment method registering device 130, and receives from the payment method registering device 130 transaction history confirmation information corresponding thereto. When the change request information for the payment means information is inputted by the user's operation or command, the terminal 110 transmits the change request information to the payment means registration device 130, And receives it from the registration device 130.

When the payment means information is authenticated, the electronic payment application 112 stores the received OTP authentication key corresponding to the payment means information, and then transmits the payment means information to the registration completion processing Software. The electronic payment application 112 may be implemented or manufactured in accordance with various OS (Operating System) environments such as iOS, Android, Windows Phone 7, and the like.

Meanwhile, in the present embodiment, although the terminal 110 loads the electronic payment application 112 and performs member registration, the operation procedure can be performed by the electronic payment application 112 only. That is, the electronic settlement application 112 transmits the payment means information, which is loaded on the terminal 110 and selected by the user's operation or command, to the payment means registration device 130, When the information is authenticated, the OTP authentication key received in response to the payment means information is stored from the payment means registration device 130, and the payment means information is registered. Then, the inquiry about the payment means information And transmit the request information or the change request information.

The communication network 120 is a network capable of transmitting and receiving data using an Internet protocol using various wired and wireless communication technologies such as an Internet network, an intranet network, a mobile communication network, and a satellite communication network. The communication network 120 is connected to the payment means registration device 130 to store computing resources such as hardware and software and to provide a cloud computing network capable of providing the computing resources required by the client to the terminal 110 . Here, cloud computing refers to a computer environment in which information is permanently stored on a server on the Internet and temporarily stored in a client terminal such as a desktop, a tablet computer, a notebook, a netbook, or a smart phone. Cloud computing, Refers to a computer environment access network that stores information on a server on the Internet and makes the information available anytime and anywhere through various IT devices.

The communication network 120 may be a closed network such as a LAN (Local Area Network) or a WAN (Wide Area Network), an open network such as the Internet, A network such as Code Division Multiple Access (CDMA), Wideband Code Division Multiple Access (WCDMA), Global System for Mobile Communications (GSM), Long Term Evolution (LTE), and Evolved Packet Core (EPC) A concept that collectively refers to a computing network.

The payment method registering device 130 has the same hardware configuration as a typical Web server or a network server. However, the software module includes a program module implemented in any language such as C, C ++, Java, Visual Basic, and Visual C. The payment method registration device 130 may be implemented in the form of a web server or a network server. The web server is generally connected to an unspecified number of clients and / or other servers through an open computer network such as the Internet, (Web server program) installed in the computer system for receiving a work execution request of the web server and deriving the result of the work for the work. However, in addition to the above-described web server program, it should be understood as a broad concept including a series of application programs running on the web server and various databases built up in some cases. The payment device registration device 130 is a web server program that is variously provided according to an operating system such as DOS, Windows, Linux, UNIX, Macintosh, (Internet Information Server) used in a Windows environment, CERN, NCSA, and APPACH used in a UNIX environment can be used as typical examples.

The payment method registering device 130 may be linked to an authentication system and a payment system for member registration. In addition, the payment means registration device 130 classifies the membership information and stores and manages the membership information in a database, which can be implemented inside or outside the payment means registration device 130. Such a database is a general data structure implemented in a storage space (hard disk or memory) of a computer system using a database management program (DBMS), and can be used to freely search (extract), delete, edit, (RDBMS) such as Oracle, Informix, Sybase, and DB2, as well as Gemston, Orion, (OODBMS) such as O2 and O2, and an XML Native Database such as Excelon, Tamino, Sekaiju, etc., can be implemented for the purpose of this embodiment. And has the appropriate fields or elements to achieve its function.

On the other hand, the settlement device registration device 130 may be implemented as an electronic settlement device. That is, the payment method registering device 130 can provide an electronic settlement service in cooperation with the electronic settlement application 112 installed in the terminal 110. [ When the settlement request registering unit 130 receives a settlement request signal from the electronic settlement application 112 installed in the terminal 110, the settlement unit registering unit 130 can perform electronic settlement in cooperation with the financial institution apparatus.

In the case of receiving at least one of the first authentication procedure completion signal, the second authentication procedure completion signal, and the fourth authentication procedure completion signal from the terminal 110 in the member registration process, 110, assigns an application ID for performing an electronic settlement, registers payment means information, and processes completion of member registration for user information of the terminal 110. [ Here, the payment means information is credit card information. Check card information, phone bill information, and financial account information.

In addition, when receiving the second authentication procedure completion signal from the terminal 110, the payment method registration device 130 confirms whether or not the user information of the terminal 110 is a member, A third authentication procedure is performed using the communication company member information included in the user information of the terminal 110. When the third authentication procedure is completed, the electronic payment application 112), receives the fourth authentication procedure completion signal from the terminal (110), stores the payment means information received from the terminal (110), and registers the member information of the user information of the terminal Completion is handled.

In addition, in the member registration process, the payment method registration device 130 receives the electronic payment application 112 from the terminal 110 in order for the terminal 110 to perform the first authentication procedure When the first authentication request signal for approval is received, the communication terminal device 140 requests the communication device 140 associated with the terminal 110 to send the first authentication message, and transmits the identification information corresponding to the first authentication message to the terminal 110 And receives a first authentication procedure completion signal from the terminal 110 after transmitting the first authentication procedure completion signal. At this time, the payment method registering device 130 controls the communication company apparatus 140 to send the first authentication message to the terminal 110 in a predetermined message format in order to allow the terminal 110 to perform the first authentication procedure do. Here, the predetermined message standard is preferably SMS, but is not limited thereto, and may be an IP-based packet message.

In addition, in the member registration process, the payment method registering device 130 registers the third authentication using the communication company member information included in the user information of the terminal 110, Perform the procedure. The payment method registering device 130 checks whether or not the communication company member information is authenticated using the communication company apparatus 140 associated with the terminal 110 in order to perform the third authentication procedure, If authenticated, process member registration completion. At this time, the payment method registering device 130 uses the communication company device 140 to authenticate the communication company member information when there is information that matches the name information or the corporation name information of the terminal 110 included in the communication company member information.

When the authentication of the payment means information received from the terminal 110 is completed, the payment method registration device 130 according to the present embodiment generates an OTP authentication key using the external device according to the payment means information, And registers the payment means information. At this time, the payment method registering device 130 transmits the OTP authentication key to the terminal 110 in an encrypted state. The operation procedure of the payment method registration device 130 will be described in more detail. The payment method registration device 130 receives the payment means information from the terminal 110, generates an OTP authentication key using an external device according to the payment means information, Transmits the OTP authentication key to the terminal 110 after registering the means information, and controls to inquire or change the payment means information at the request of the terminal 110.

To explain the process of registering the credit card information by the payment method registering device 130 according to the present embodiment, the payment method registering device 130 inquires payment allowable company information according to payment method information, And transmits the card company information corresponding to the inquired settlement company information to the terminal 110 when the included payment means is the credit card information. The payment method registering device 130 authenticates the validity of the payment method authentication information received from the terminal 110 by using the card issuing device 150 corresponding to the card company information in order to validate the card at the time of registering the credit card information. Here, the payment means authentication information includes at least one of telephone number information, card company identification information, card alias information, card number information, card valid period information, virtual card number information, and CVC information, Refers to information input by operation or command. At this time, the payment means registration device 130 transmits at least one or more of the card alias information, the card number information, the card valid period information, the virtual card number information, the CVC information, and the identification information of the terminal 110, (150) to authenticate the validity. In addition, the settlement means registration device 130 registers the OTP authentication key for the information whose validity has been authenticated by using the card issuer OTP provision device 152 interlocked with the card issuer device 150 for generating the OTP authentication key at the time of registering the credit card information . When at least one or more of the OTP authentication key, the card alias information, the virtual card number information, and the information for which the validity is authenticated is registered for registering the payment means at the time of registering the credit card information, .

To describe the process of registering the payment information by the payment method registering device 130 according to the present embodiment, the payment method registering device 130 inquires the payment allowable company information according to the payment means information, The terminal 110 transmits the phone-book registration request information corresponding to the inquired payment-allowed company information to the terminal 110. [ The payment method registering device 130 receives the phonebook registration information from the terminal 110 to generate the OTP authentication key when registering the phone bill and registers the phonebook registration information in the OTP registration information using the communication company device 140 connected to the terminal 110. [ And generates an authentication key. Here, the telephone bill registration information includes at least one of telephone number information and electronic payment application ID information mounted on the terminal 110. [ The payment means registration device 130 transmits an OTP authentication request signal for telephone number information to the communication device 140 in order to generate an OTP authentication key when registering the phone, and transmits the corresponding OTP authentication key to the communication device 140. [ Lt; / RTI > At this time, the communication company apparatus 140 generates an OTP authentication key for the payment means information using the cooperating communication company OTP provision apparatus 142.

The payment method registering device 130 receives inquiry request information about the payment means information from the terminal 110 in response to receipt of the inquiry request information from the terminal 110 , It transmits transaction history confirmation information inquired through the payment mobile web server or the PG web server to the terminal 110. In addition, when the change request information for the payment means information is received from the terminal 110, the payment method registration device 130 changes the payment means to the corresponding content after reflecting the change request information, and transmits the change completion information to the terminal 110 do.

Meanwhile, the payment means registration device 130 may further include a cloud computing storage unit and a cloud computing unit for cloud computing. The cloud computing storage unit receives payment means information from the terminal 110, generates an OTP authentication key using an external device according to the payment means information, registers the payment means information, and transmits the OTP authentication key to the terminal 110 The cloud computing unit reads and writes data on the storage medium from the terminal 110. The cloud computing unit reads and writes data from and to the storage medium.

The communication company apparatus 140 is connected to the communication network 120 to perform basic and supplementary service processing for a location where the terminal 110 can receive a voice or data communication service, a subscriber's incoming and outgoing call processing, Off procedure processing, interworking with other networks, and the like. When the communication company apparatus 140 receives the control signal to send the first authentication message from the payment method registration apparatus 130 for member registration, the communication apparatus apparatus 140 sends a first authentication message to the terminal 110 in a predetermined message format . At this time, the communication company apparatus 140 can use the message center to send the first authentication message to the terminal 110 in a predetermined message format. Here, the message center is preferably an SMS center, but is not limited thereto. The message center is a device for interworking with the communication network 120 and delivering the requested message to the terminal 110 corresponding to the established calling number. On the other hand, the predetermined message standard is preferably SMS, but is not limited thereto, and may be an IP-based packet message. Also, it is preferable that the first authentication message includes an authentication number that is a combination of at least one of predefined numbers, letters, and symbols. Therefore, when the user of the terminal 110 receiving the first authentication message receives the authentication number The terminal 110 can perform the first authentication procedure using the electronic payment application 112 by inputting it into the electronic payment application 112 of the terminal 110. [ On the other hand, when the communication company apparatus 140 according to the present embodiment receives the OTP authentication key request signal from the payment method registration apparatus 130, it generates an OTP authentication key through the associated communication company OTP provision apparatus 142, And transmits it to the means registration apparatus 130.

The communication company OTP provision device 142 is a device that provides a communication use OTP in cooperation with the communication company apparatus 140. [ Here, the one-time password refers to a method of generating and inputting different passwords each time, rather than a fixed password, and is an authentication solution that can reduce the possibility of password exposure and user account abuse because passwords can not be reused. That is, a one-time password is used as a two factor method in a financial site because of its excellent security and mobility. In order to use a one-time password, a hardware token or a software token (mobile OTP) generator may be separately needed.

The credit card issuing device 150 is a server capable of performing electronic payment, and functions to settle payment for a fee corresponding to a payment request signal for a previously registered credit card or a check card. Information related to a credit card or a check card . The card issuing device 150 according to the present embodiment also includes telephone number information, card company identification information, card alias information, card number information, card validity period information, virtual card number information, and CVC And authentication of the payment means authentication information including at least one of the information. Further, the card issuing machine 150 generates an OTP authentication key for the payment means information using the card issuer OTP provision device 152 that is interlocked. Here, the card issuer OTP provision device 152 is a device that provides a card use OTP in cooperation with the card issuer device 150. [

2 is a block diagram schematically showing a settlement means registration apparatus according to the present embodiment.

The settlement device registration device 130 according to the present embodiment includes a settlement device receiving unit 210, a settlement company inquiry unit 220, a validity authentication unit 230, an OTP authentication key generation unit 240, And an inquiry control unit 260. In this embodiment, the payment means registration device 130 includes a payment means receiving unit 210, a settlement company inquiry unit 220, a validity authentication unit 230, an OTP authentication key generation unit 240, a payment means registration unit 250, And the inquiry control unit 260. However, it is to be understood that the present invention is not limited to the description of the technical idea of the embodiment of the present invention, and it should be understood that any person skilled in the art, The present invention can be variously modified and applied to components included in the payment method registration device 130 without departing from the essential characteristics of an embodiment of the present invention.

The settlement unit receiving unit 210 receives the settlement unit information from the terminal 110. [ Here, the payment means information is credit card information. Check card information, phone bill information, and financial account information. The settlement provider inquiry unit 220 inquires the settlement company information according to the settlement means information for registration of the credit card information. If the payment means included in the payment means information is the credit card information, And transmits the corresponding card company information to the terminal 110. On the other hand, the settlement company inquiry unit 220 inquires the settlement company information according to the settlement means information for the registration of the telephone bill information, and when the settlement means included in the settlement means information is the telephone bill information, And transmits the corresponding phonebook registration request information to the terminal 110.

The validity authentication unit 230 authenticates the validity of the payment method authentication information received from the terminal 110 by using the card issuing device 150 corresponding to the card company information for registering the credit card information. Here, the payment means authentication information includes at least one of telephone number information, card company identification information, card alias information, card number information, card valid period information, virtual card number information, and CVC information. The validity authentication unit 230 also stores at least one of the card alias information, the card number information, the card valid period information, the virtual card number information, the CVC information, and the identification information of the terminal 110 for registration of the credit card information And transmits it to the card issuing machine 150 to authenticate the validity.

The OTP authentication key generation unit 240 generates an OTP authentication key using an external device according to the payment means information. The OTP authentication key generation unit 240 generates an OTP authentication key for the information whose validity is authenticated by using the card issuer OTP provision device 152 interlocked with the card issuer apparatus 150 to register the credit card information. The OTP authentication key generation unit 240 receives OTP registration information from the terminal 110 to register the OTP authentication information in the OTP authentication key generation unit 240. The OTP authentication key generation unit 240 generates OTP authentication information using the communication device 140, And generates an authentication key. Here, the telephone bill registration information includes at least one of telephone number information and electronic payment application ID information mounted on the terminal. In addition, the OTP authentication key generation unit 240 transmits an OTP authentication request signal for telephone number information to the communication company apparatus 140 in order to register the telephone bill information, and receives an OTP authentication key corresponding thereto from the communication company apparatus 140 do.

The settlement means registration unit 250 registers the settlement means information and transmits the OTP authentication key to the terminal 110. [ When at least one or more of the OTP authentication key, the card alias information, the virtual card number information, and the information whose validity is authenticated is registered for the registration of the credit card information, the payment method registering unit 250 registers the payment means information. On the other hand, when the OTP authentication key is received for registration of the telephone bill information, the payment means registration unit 250 registers the payment means information.

The inquiry control unit 260 controls to inquire or change the payment means information at the request of the terminal 110. [ When the inquiry request information about the payment means information is received from the terminal 110 to inquire the payment means, the inquiry control unit 260 transmits the transaction history confirmation information inquired through the payment mobile web server or the PG web server to the terminal 110 ). On the other hand, when the change request information for the payment means information is received from the terminal 110 to change the payment means, the inquiry control unit 260 changes the payment means to the corresponding content after reflecting the change request information, And transmits completion information.

3 is a block diagram schematically showing a terminal according to the present embodiment.

The terminal 110 according to the present embodiment includes a payment means transmission unit 310, a card information input unit 320, a phone bill information input unit 330, a payment means storage unit 340 and an inquiry and change unit 350 . In this embodiment, the terminal 110 includes only the settlement means transmission unit 310, the card information input unit 320, the phone bill information input unit 330, the payment means storage unit 340, and the inquiry and change unit 350 It will be understood by those skilled in the art that various changes in form and detail may be made therein without departing from the spirit and scope of the present invention as defined by the appended claims. The present invention is not limited to the above embodiments. 3, the payment means transmission unit 310, the card information input unit 320, the phone bill information input unit 330, the payment means storage unit 340, and the inquiry and change unit 350 are connected to the electronic payment application 112 ). ≪ / RTI >

The payment means transmitting unit 310 transmits the payment means information selected by the user's operation or command to the payment means registering device 130. [ That is, the settlement unit transmitting unit 310 transmits the settlement unit information including the credit card information as the settlement unit to the settlement unit registration unit 130 in order to register the credit card information. On the other hand, the payment means transmitting unit 310 transmits payment means information including the phone bill information as the payment means for registering the phone bill information to the payment means registering device 130. [

The card information input unit 320 selects any one of the pieces of business information received from the payment means registration unit 130 for registering the credit card information, and stores the telephone number information, the card company identification information, the card alias To the payment method registration device 130, payment method authentication information including at least one of information, card number information, card valid period information, virtual card number information, and CVC information. The telephone bill information input unit 330 receives telephone bill registration information including at least one of telephone number information and electronic payment application ID information according to the telephone bill registration request information received from the payment means registration unit 130 for registration of the telephone bill information And transmits it to the means registration apparatus 130.

When the payment means information is authenticated by the payment means registration device 130, the payment means storage unit 340 stores the received OTP authentication key corresponding to the payment means information from the payment means registration device 130, Registration completion processing. That is, the payment means storage unit 340 stores the OTP authentication key received corresponding to the credit card information from the payment means registration device 130 when the credit card information, which is payment means information, is registered for registering the credit card information And finishes registration completion of the payment means information. On the other hand, the payment means storage unit 340 stores the OTP authentication key received corresponding to the phone bill information from the payment means registration device 130 after the phone bill information as the payment means information for the registration of the phone bill information is authenticated, The information is registered and processed.

The inquiry and change unit 350 transmits the inquiry request information or the change request information for the payment means information by a user's operation or command. That is, when the inquiry request information about the payment means information is input by the user's operation or command, the inquiry and change unit 350 transmits the inquiry request information to the payment means registration device 130, And receives information from the payment method registration device 130. [ On the other hand, when the change request information for the payment means information is input by the user's operation or command, the inquiry and change unit 350 transmits the change request information to the payment means registration device 130, From the payment method registering device 130. [

4A and 4B are flowcharts for explaining a member registration method for electronic settlement according to the present embodiment.

When downloading of the electronic payment application 112 is selected from the application providing apparatus, the application providing apparatus causes the electronic settlement application 112 to be downloaded to the terminal 110 (S412). When downloading of the electronic payment application 112 is selected (S414) by the user's choice during the mobile payment through the PG, the payment web or mobile application provides the service subscription guidance, and the corresponding terminal 110 To download the electronic payment application 112 (S416). In step S414, when the user selects 'new payment' at the time of mobile payment, the user selects 'subscription' at the PG, and transmits the information to the payment web or the mobile application. In step S416, the payment web or mobile application may request to enter a 'service subscription guide' and a phone number for the user's corresponding terminal. At this time, the payment web or mobile application may transmit a message including a downloadable Call Back URL of the electronic payment application 112 to the terminal, or may transmit a message including a link to the web page.

The terminal 110 installs the downloaded electronic payment application and transmits a first authentication request signal to the payment method registration device 130 when a consent signal for using the electronic payment application 112 is input (S418) (S420). In step S420, the terminal 110 transmits a first authentication request signal for approving the driving of the electronic payment application 112 to the payment method registration device 130, and when the first authentication information corresponding to the first authentication request signal is input The control unit 130 transmits a first authentication procedure completion signal to the payment unit registration unit 130 when the first authentication information is authenticated. Also, in step S420, the terminal 110 receives the identification information corresponding to the first authentication request signal from the payment method registration device 130 to perform the first authentication procedure, and when the identification information matches the first authentication information , It is confirmed that the first authentication information is authenticated. Here, the first authentication information and the identification information are preferably authentication numbers each made up of a combination of at least one of a predetermined number, a letter and a symbol, but are not limited thereto.

When the first authentication request signal for approving the operation of the electronic payment application 112 is received from the terminal 110, the payment method registration device 130 transmits a first authentication message to the communication company device 140 associated with the terminal 110 (S422). On the other hand, in step S422, the payment method registering device 130 transmits the identification information corresponding to the first authentication message to the terminal 110. [ Also, the payment method registering device 130 may receive a first authentication procedure completion signal for approving the operation of the electronic payment application from the terminal 110. [

When the communication company apparatus 140 receives the control signal to send the first authentication message from the payment method registration apparatus 130, the communication terminal apparatus 140 sends the first authentication message to the terminal 110 in a predetermined message format (S424). In step S424, the communication company apparatus 140 can use the message center to send the first authentication message to the terminal 110 in a predetermined message format. Here, the message center is preferably an SMS center, but is not limited thereto. On the other hand, the predetermined message standard is preferably SMS, but is not limited thereto, and may be an IP-based packet message. Also, it is preferable that the first authentication message includes an authentication number that is a combination of at least one of predefined numbers, letters, and symbols. Therefore, when the user of the terminal 110 receiving the first authentication message receives the authentication number The terminal 110 can perform the first authentication procedure using the electronic payment application 112 by inputting it into the electronic payment application 112 of the terminal 110. [ Thereafter, the settlement web or mobile application may output the agreement agreement screen (S425).

When the first authentication information is authenticated, the terminal 110 confirms whether or not the second authentication information inputted by the user is authenticated. If the second authentication information is authenticated, the terminal 110 transmits the second authentication information And transmits an authentication procedure completion signal (S426). In step S426, when the first authentication information input by the user is authenticated to approve the operation of the electronic payment application 112, the terminal 110 transmits a first authentication procedure completion signal to the payment method registration device 130 It is possible to confirm whether or not the second authentication information inputted by the post-user is authenticated. In step S426, if the second authentication information including at least one of the telephone number information and the resident registration number for the user of the terminal 110 matches the user information of the terminal 110, 2 Confirm that the authentication information is authenticated. At this time, the terminal 110 can confirm the authentication of the second authentication information by using the internal memory or the payment method registering device 130 that stores the user information of the terminal 110. [

Upon receiving the second authentication procedure completion signal from the terminal 110, the payment method registration device 130 confirms whether the user information of the terminal 110 is a member (S428). In step S428, the payment method registration device 130 confirms whether or not the user information of the terminal 110 is a member, and performs a member registration procedure if the member is an unincorporated member. Herein, in the case of a subscription member, if the electronic payment application is newly installed by replacing the terminal, the member registration procedure can be performed.

If the payment method registering device 130 is a member who has not been confirmed as a member, the payment method registering device 130 uses the communication device 140 associated with the terminal 110 to perform the third authentication procedure It is checked whether or not the communication company member information is authenticated. If it is confirmed that the communication company member information is authenticated, the member registration completion is processed (S430). In step S430, the payment method registering device 130 registers the communication company member information in the case where there is information that matches the name information or the corporation name information of the terminal 110 included in the communication company member information using the communication company device 140 do.

Upon completion of the third authentication procedure, the payment method registration device 130 allocates an application ID to the electronic payment application 112 (S432). The terminal 110 receives the application ID from the payment method registration device 130 (S434). When the terminal 110 confirms the authentication of the second authentication information, the terminal 110 transmits a second authentication procedure completion signal to the payment method registration device 130 And then receives the application ID from the payment method registration device 130. [

After receiving the application ID from the payment method registration device 130, the terminal 110 transmits a fourth authentication procedure completion signal to the payment method registration device 130 when the fourth authentication information input by the user is authenticated (Step S436). In step S436, the terminal 110 performs a fourth authentication procedure. When the fourth authentication information including the PIN input by the user is authenticated, the terminal 110 encrypts the application ID and the authentication key, And transmits a fourth authentication procedure completion signal to the payment method registration device 130. [

Then, the terminal 110 registers the payment means information input by the user (S438). In step S438, the terminal 110 registers at least one of credit card information, check card information, phone bill information, and financial account information input by the user And registers it as payment means information. The payment method registering device 130 stores the payment means information received from the terminal 110 (S440). Upon receiving the fourth authentication procedure completion signal from the terminal 110, the payment method registration device 130 processes the member registration completion of the user information of the terminal 110 (S442). After receiving the registration completion signal from the payment method registration device 130, the terminal 110 processes the member registration completion (S446). In step S446, when receiving a registration completion signal from the payment method registration device 130, the terminal 110 outputs a registration completion screen page for member registration processing.

4A and 4B, it is described that steps S412 to S446 are sequentially executed. However, this is merely an exemplary description of the technical idea of the present embodiment, and any person skilled in the art to which this embodiment belongs It will be understood that various modifications and changes may be made to the invention without departing from the spirit and scope of the present invention as long as the steps described in Figures 4A and 4B are changed or steps S412 to S446 are executed in parallel, 4a and 4b are not limited to time-series order.

5 is a flowchart for explaining a credit card registration method according to the present embodiment.

When the download of the electronic payment application 112 is selected in the application providing apparatus, the application providing apparatus causes the electronic settlement application 112 to be downloaded to the terminal 110. [ Also, if the download of the electronic payment application 112 is selected by the user's choice during the mobile payment through the PG, the payment web or mobile application provides the service subscription guidance, The payment application 112 is downloaded. At this time, the terminal 110 selects 'credit card registration' as a payment means in the electronic payment by the user's operation or command (S510).

The terminal 110 generates payment means information including the credit card information by using the electronic payment application 112 and transmits the payment means information including the credit card information as the payment means to the payment means registering device 130 S512). After receiving the payment means information from the terminal 110, the payment means registration device 130 inquires the payment allowable company information (payment means list) according to the payment means information, and the payment means included in the payment means information is the credit card information The card company information corresponding to the inquired settlement company information is transmitted to the terminal 110 (S514).

The terminal 110 selects any one of the pieces of business information received from the payment method registering unit 130 in step S516 and transmits the telephone number information, the card company identification information, the card alias information, the card number information, The card validity period information, the virtual card number information, and the CVC information to the payment method registration device 130 (S518).

The payment method registration device 130 requests the card issuing device 150 corresponding to the credit card information to authenticate the payment method authentication information in order to request registration for each card company authenticating the payment method authentication information at the time of registering the credit card information S520). That is, in step S520, the payment method registering device 130 registers the payment method authentication information received from the terminal 110 by using the card issuing device 150 corresponding to the card company information in order to validate the card at the time of registering the credit card information Validity can be verified. Here, the payment means authentication information includes at least one of telephone number information, card company identification information, card alias information, card number information, card valid period information, virtual card number information, and CVC information, Refers to information input by operation or command. At this time, the payment means registration device 130 transmits at least one or more of the card alias information, the card number information, the card valid period information, the virtual card number information, the CVC information, and the identification information of the terminal 110, (150) to authenticate the validity.

Card issuing device 150 receives at least one or more of the telephone number information, the card company identification information, the card alias information, the card number information, the card valid period information, the virtual card number information, and the CVC information received from the payment means registration device 130 (Step S522). In addition, the card issuing machine 150 generates an OTP authentication key for the payment means information using the card issuer OTP provision device 152 that is interlocked (S524). That is, in step S524, the payment method registration device 130 uses the card issuer OTP provision device 152 linked with the card issuer device 150 to generate the OTP authentication key when registering the credit card information, It is possible to generate an OTP authentication key for the number.

The payment method registering device 130 registers the payment means information, which is credit card information, and then transmits the OTP authentication key to the terminal 110 (S526). In step S526, when at least one or more of the OTP authentication key, the card alias information, the virtual card number information, and the information whose validity is authenticated is confirmed for the payment means registration, the payment method registering device 130 transmits the credit card information to the payment means information . The terminal 110 stores the received OTP authentication key corresponding to the credit card information, which is the payment means information, from the payment method registration device 130 (S528), and then finishes the registration means information registration processing (S530).

5, it is described that steps S510 to S530 are sequentially executed. However, this is merely illustrative of the technical idea of the present embodiment, and any person skilled in the art will understand that the present invention is not limited to this embodiment It is to be understood that various modifications and changes may be made to the method of the present invention without departing from the essential characteristics and by implementing one or more of steps S510 to S530 in parallel, But is not limited thereto.

As described above, the credit card registration method according to the embodiment described in FIG. 5 can be implemented by a program and recorded on a computer-readable recording medium. A program for implementing a credit card registration method according to the present embodiment is recorded and a computer-readable recording medium includes all kinds of recording apparatuses in which data that can be read by a computer system is stored. Examples of such computer-readable recording media include ROM, RAM, CD-ROM, magnetic tape, floppy disk, optical data storage, etc., and also implemented in the form of a carrier wave (e.g., transmission over the Internet) .

FIG. 6 is a flowchart for explaining a method of registering a telephone bill according to the present embodiment.

When the download of the electronic payment application 112 is selected in the application providing apparatus, the application providing apparatus causes the electronic settlement application 112 to be downloaded to the terminal 110. [ Also, if the download of the electronic payment application 112 is selected by the user's choice during the mobile payment through the PG, the payment web or mobile application provides the service subscription guidance, The payment application 112 is downloaded. At this time, the terminal 110 selects " Register PhoneBuy " as the payment means in the electronic payment by the user's operation or command (S610).

The terminal 110 generates payment means information including the phone bill information using the electronic payment application 112 and transmits the payment means information including the phone bill information as payment means to the payment means registration device 130 (S612) . If the payment means included in the payment means information is the phone bill information, the payment means registration device 130 inquires the payment allowable company information (payment means list) according to the payment means information, And transmits the request information to the terminal 110 (S614).

The terminal 110 transmits the telephone bill registration information including at least one of the telephone number information and the electronic payment application ID information to the payment method registration apparatus according to the telephone bill registration request information received from the payment method registration apparatus 130 (S616 ). The payment method registration device 130 transmits an OTP authentication key request signal to the communication company device 140 connected to the terminal 110 when the phone bill registration information is received from the terminal 110 in order to generate an OTP authentication key (S618). Here, the telephone bill registration information includes at least one of telephone number information and electronic payment application ID information mounted on the terminal 110. [ When the communication company apparatus 140 receives the OTP authentication key request signal from the payment method registration apparatus 130, the communication company apparatus 140 generates an OTP authentication key through the associated communication company OTP provision apparatus 142 and transmits it to the payment method registration apparatus 130 (S620).

The payment means registration device 130 receives an OTP authentication key corresponding to the OTP authentication request signal for the telephone number information from the communication device 140 in order to generate the OTP authentication key when registering the phone bill, (S622). In step S622, when the OTP authentication key is confirmed for the payment method registration, the payment method registering device 130 registers the phone bill information as payment method information. The terminal 110 stores the received OTP authentication key in response to the telephone bill information, which is the payment means information, from the payment means registration device 130 (S624), and then finishes the registration means information registration processing (S626).

Although it is described in FIG. 6 that steps S610 to S626 are sequentially executed, it is only described as an example of the technical idea of the present embodiment. If the person skilled in the art to which this embodiment belongs, It is to be understood that various changes and modifications may be made to the invention without departing from the essential characteristics thereof, or alternatively, by executing one or more of steps S610 to S626 in parallel, But is not limited thereto.

As described above, the method of registering a telephone according to the present embodiment described in FIG. 6 can be implemented by a program and recorded in a computer-readable recording medium. A program for implementing the method of registering a phone book according to the present embodiment is recorded and a computer-readable recording medium includes all kinds of recording devices for storing data that can be read by a computer system. Examples of such computer-readable recording media include ROM, RAM, CD-ROM, magnetic tape, floppy disk, optical data storage, etc., and also implemented in the form of a carrier wave (e.g., transmission over the Internet) .

7 is a flowchart for explaining a transaction history inquiry method according to the present embodiment.

The terminal 110 receives a transaction history inquiry request signal for inquiring the payment means by the user's operation or command through the electronic payment application 112 (S710). The terminal 110 transmits inquiry condition information or inquiry request information for the transaction history inquiry request signal input through the electronic payment application 112 to the payment method registration device 130 (S712). Here, the inquiry condition information or inquiry request information includes at least one of URL, telephone number information, ID information of electronic payment application 112, and inquiry period information. That is, in step S710 to step S712, the terminal 110 transmits the inquiry request information to the payment method registration device 130 when the inquiry request information about the payment method information is input by the user's operation or command.

In step S714, the payment method registering device 130 transmits the transaction history inquiry request information to the mobile web in order to inquire transaction details corresponding to the inquiry condition information or inquiry request information received from the terminal 110. The mobile web confirms transaction details by PG and transmits the confirmation result to the PG web (S716). The PG Web transmits the shake history inquiry response information corresponding to the transaction history inquiry request information requested by the payment method registering device 130 to the terminal 110 (S717). That is, in steps S714 through S717, when the inquiry request information for the payment means information is received from the terminal 110, the payment method registration device 130 transmits the transaction history confirmation information viewed through the payment mobile web server or the PG web server To the terminal 110. In step S717, the terminal 110 receives the transaction history confirmation information corresponding to the inquiry request information for the payment method information from the payment method registration device 130. [

7, it is described that steps S710 to S717 are sequentially executed. However, this is merely an exemplary description of the technical idea of the present embodiment, and it will be apparent to those skilled in the art, 7 or may be variously modified and modified by executing one or more of the steps S710 to S717 in parallel, so that the present invention is not limited to the above-described embodiments, But is not limited thereto.

8 is a flowchart for explaining a main payment means changing method according to the present embodiment.

When the change request information for the payment means information is inputted by the user's operation or command to change the payment means (S810), the terminal 110 transmits the change request information to the payment means registration device 130 (S812) . Here, the change request information includes at least one of telephone number information, ID information of the electronic payment application 112, card alias information, and virtual card number information.

When the change request information for the payment means information is received from the terminal 110, the payment method registration device 130 changes the payment means to the corresponding content and transmits the change completion information to the terminal 110 (S814). The terminal 110 receives the change completion information corresponding to the change request information from the payment method registration device 130 and processes the completion of the change of the payment means (S816).

8, steps S810 to S816 are sequentially executed. However, this is merely an example of the technical idea of the present embodiment, and it is obvious to those skilled in the art that the present invention is not limited to this embodiment It is to be understood that various changes and modifications may be made to the method of the present invention without departing from the essential characteristics and by executing the steps described in FIG. 8 or by executing at least one of steps S810 to S816 in parallel, But is not limited thereto.

The foregoing description is merely illustrative of the technical idea of the present embodiment, and various modifications and changes may be made to those skilled in the art without departing from the essential characteristics of the embodiments. Therefore, the present embodiments are to be construed as illustrative rather than restrictive, and the scope of the technical idea of the present embodiment is not limited by these embodiments. The scope of protection of the present embodiment should be construed according to the following claims, and all technical ideas within the scope of equivalents thereof should be construed as being included in the scope of the present invention.

As described above, the present embodiment is applied to the field of the payment means registration, and it is possible to more securely register the payment means by performing OTP authentication according to the payment means information selected by the user through the terminal in order to perform electronic payment It is a useful invention that occurs.

110: terminal 112: electronic payment application
120: communication network 130:
140: communication service providing apparatus 210: payment means receiving section
220: settlement company inquiry unit 230: validity authentication unit
240: OTP authentication key generation unit 250:
260: inquiry control unit 310:
320: Card information input unit 330: Phone bill information input unit
340: payment means storage unit 350: inquiry and change unit

Claims (24)

When the payment means information is authenticated, stores the received OTP (One Time Password) authentication key corresponding to the payment means information, and then registers the payment means information as registration completion A terminal for processing; And
When the authentication of the received payment means information is completed, generates an OTP authentication key using an external device according to the payment means information, transmits the OTP authentication key to the terminal, registers the payment means information, A payment means registering device for inquiring paymentable company information, if the payment means included in the payment means information is credit card information, and for transmitting the card company information corresponding to the inquired payment possible company information to the terminal;
And a payment means for registering the settlement means. A payment means receiving means for receiving payment means information from the terminal;
An OTP authentication key generation unit for generating an OTP authentication key using an external device according to the payment means information;
A payment means registration unit for registering the payment means information and transmitting the OTP authentication key to the terminal;
An inquiry control unit for inquiring or changing the payment means information at the request of the terminal; And
And a settlement company that transmits the card company information corresponding to the inquired settlement company information to the terminal when the settlement means included in the settlement means information is credit card information, An inquiry unit;
And a payment device registration device for registering the payment device.
delete 3. The method of claim 2,
A validity authentication unit for authenticating the validity of the payment means authentication information received from the terminal using the card issuer apparatus corresponding to the card company information,
Further comprising: means for registering the settlement means. 5. The method of claim 4,
Wherein the payment-
The card number information, the card validity period information, and the CVC (Card Validation Code) information. 6. The method of claim 5,
The validity authentication unit,
The validity is authenticated by transmitting at least one or more of the card alias information, the card number information, the card valid period information, the CVC information, the virtual card number information, and the identification information of the terminal to the card issuing device The payment means registering device. 6. The method of claim 5,
Wherein the OTP authentication key generation unit comprises:
And generates the OTP authentication key for the validated information using the card issuer OTP provision apparatus interlocked with the card issuing apparatus. 8. The method of claim 7,
The payment-
And registers the payment means information when at least one of the OTP authentication key, the card alias information, the virtual card number information, and the validated information is confirmed. 3. The method of claim 2,
And a settlement unit configured to transmit settlement request information corresponding to the settlement company information, which is inquired when the settlement unit included in the settlement unit information is the settlement information, to the terminal, Business inquiry department
Further comprising: means for registering the settlement means. 10. The method of claim 9,
Wherein the OTP authentication key generation unit comprises:
Wherein when the terminal registration information is received from the terminal, the terminal generates the OTP authentication key for the phonebook registration information using the communication company apparatus associated with the terminal. 11. The method of claim 10,
The phone-
Telephone number information, and electronic payment application ID information mounted on the terminal. 12. The method of claim 11,
Wherein the OTP authentication key generation unit comprises:
Transmits an OTP authentication request signal for the telephone number information to the communication company apparatus, and receives the OTP authentication key corresponding thereto from the communication company apparatus. 11. The method of claim 10,
The communication company apparatus,
And generates the OTP authentication key for the payment means information using the cooperating carrier OTP provision device. 3. The method of claim 2,
Wherein the inquiry-
And transmits transaction history confirmation information inquired through the payment mobile web server or the PG web server to the terminal when inquiry request information for the payment means information is received from the terminal. 3. The method of claim 2,
Wherein the inquiry-
When the change request information for the payment means information is received from the terminal, changes the payment means to the contents after the change request information is received, and transmits the change completion information to the terminal. 3. The method of claim 2,
The payment means information includes:
Credit card information. Check card information, phone bill information, and financial account information. A payment means transfer section for transferring the payment means information selected by the user's operation or command to the payment means registration device and for transferring the payment means information including the credit card information as the payment means to the payment means registration device;
When the payment means information is authenticated by the payment means registration device, the OTP (One Time Password) authentication key received corresponding to the payment means information is stored from the payment means registration device, and the payment means information is registered A payment means storage unit;
An inquiry and changing unit for transmitting inquiry request information or change request information for the payment means information by an operation or command of the user; And
A card identification information, a card alias information, a card number information, a card validity period information, a virtual card number information, and a card number information, A card information input unit for transmitting the settlement unit authentication information including at least one of the CVC information and the CVC information to the settlement unit registration unit;
And a second terminal.
delete delete 18. The method of claim 17,
The settlement unit transfer unit,
And transmits the payment means information including the telephone bill information to the payment means registering device as a payment means. 21. The method of claim 20,
And a telephone bill information input unit for transmitting telephone bill registration information including at least one of telephone number information and electronic payment application ID information according to the telephone bill registration request information received from the payment means registration apparatus,
The terminal further comprising: 18. The method of claim 17,
Wherein the inquiry and change unit comprises:
When the inquiry request information for the payment means information is inputted by the user's operation or command, the inquiry request information is transmitted to the payment means registration device and the corresponding transaction details confirmation information is received from the payment means registration device, When the change request information for the payment means information is inputted by the user's operation or command, the change request information is transmitted to the payment means registration apparatus and the corresponding change completion information is received from the payment means registration apparatus . A method for a payment method registering device to register a payment means,
A payment means receiving step of receiving payment means information from the terminal;
An OTP authentication key generation step of generating an OTP authentication key using an external device according to the payment means information;
A payment means registration step of registering the payment means information and transmitting the OTP authentication key to the terminal; And
Wherein the control means controls to inquire or change the payment means information according to the request of the terminal and inquires the payment allowable company information according to the payment means information and if the payment means included in the payment means information is the credit card information, A payment means control step of transmitting card company information corresponding to settlement company information to the terminal;
The method comprising the steps of: In a method for a terminal to register a payment means,
A payment means transmission step of transmitting the payment means information selected by the user's operation or command to the payment means registration apparatus;
A payment means storing step of storing the OTP authentication key received corresponding to the payment means information from the payment means registration device and completing the payment means information when the payment means registration means authenticates the payment means information; And
The terminal transmits inquiry request information or change request information for the payment means information by an operation or command of the user, and the terminal inquires the payment allowable company information according to the payment means information from the payment method registration apparatus, An inquiry and change process for receiving card company information corresponding to the inquired settlement company information when the payment means included in the information is credit card information;
The method comprising the steps of:

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