KR101423200B1 - Method, System And Apparatus for Providing Mobile Payment - Google Patents

Abstract

A mobile payment method, system and apparatus are disclosed.
A merchandise providing apparatus for transmitting merchandise information to a connected terminal and transmitting the payment request information received for specific merchandise information among the merchandise information from the terminal; And receiving OTP (One Time Password) information corresponding to payment means information and payment means information from the terminal after receiving the payment request information, and authenticating the OTP information using an external device according to the payment means information And a mobile payment apparatus for performing a payment process for the settlement request information.
According to the present embodiment, during the mobile settlement using the terminal, the OTP information according to the payment means information selected by the user is transmitted to the corresponding payment apparatus without directly inputting by the user, and authentication Thereby making it possible to perform safer settlement.

Description

METHOD, SYSTEM AND APPARATUS FOR PROVIDING MOBILE PAYMENT,

This embodiment relates to a mobile payment method, system and apparatus. More specifically, in the course of performing mobile settlement using a terminal, OTP (One Time Password) information according to the payment means information selected by the user is transmitted to the corresponding payment apparatus without having to directly input the user, And more particularly, to a mobile payment method, system, and apparatus capable of performing a more secure payment through authentication based on the authentication.

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.
On the other hand, the technology as a background of the present invention is disclosed in Korean Patent Laid-Open Publication No. 10-2010-0135617 (2010.12.27.) And Korean Patent Laid-Open Publication No. 10-2012-0075590 (July 07, 2012).

In order to solve the above-described problems, the present embodiment allows the OTP information according to the payment means information selected by the user to be transmitted to the corresponding payment apparatus without directly inputting the user, The present invention provides a mobile payment method, system,

According to an aspect of the present invention, there is provided a merchandise supply apparatus for transmitting merchandise information to a connected terminal and transmitting the payment request information received for specific merchandise information among the merchandise information from the terminal, And receiving OTP (One Time Password) information corresponding to payment means information and payment means information from the terminal after receiving the payment request information, and authenticating the OTP information using an external device according to the payment means information And a mobile payment apparatus for performing a payment process for the settlement request information.

According to another aspect of the present invention, there is provided a bill payment system comprising: a payment information receiving unit for receiving payment request information for a terminal connected from a goods supply apparatus; A payment means synchronization unit for receiving and synchronizing payment means information from the terminal; An OTP information authentication unit for receiving OTP information corresponding to the payment means information from the terminal and authenticating the OTP information using at least one of a card issuer apparatus and a communication company apparatus according to the payment means information; And transmitting a transaction approval request signal for the synchronized settlement means information to at least one of the card issuer apparatus and the communication company apparatus when the OTP information is authenticated, And a settlement approval unit for transmitting a settlement information verification completion signal to the goods providing apparatus after receiving the settlement information.

According to another aspect of the present invention, there is provided an information processing apparatus that is connected to a product supply apparatus, displays product information received from the product supply apparatus, and displays the payment request information for specific product information in the product information A browser unit for transmitting to a mobile payment device; An application driver for driving a mobile payment application by a call request signal received from the goods supply device; A main payment means synchronization unit for transmitting the selected payment means information to the mobile payment apparatus when the input authentication information is authenticated by a user's operation or command to authenticate the payment request information; An OTP information transmission unit for generating OTP information according to the payment means information and transmitting the OTP information to the mobile payment apparatus when the payment means information is synchronized with the mobile payment apparatus; And a payment completion processor for receiving and displaying payment completion information from the mobile payment device.

According to another aspect of the present invention, there is provided a method of performing mobile settlement in a settlement apparatus, comprising: receiving settlement request information for a terminal connected from a goods supply apparatus; Receiving payment means information from the terminal and synchronizing the payment means information; Receiving OTP information corresponding to the payment means information from the terminal and authenticating the OTP information using at least one of a card issuer device and a communication company device according to the payment means information; And transmitting a transaction approval request signal for the synchronized settlement means information to at least one of the card issuer apparatus and the communication company apparatus when the OTP information is authenticated, And transmitting a payment information verification completion signal to the goods providing apparatus after receiving the payment information.

According to another aspect of the present invention, there is provided an information processing apparatus that is connected to a product supply apparatus, displays product information received from the product supply apparatus, and displays the payment request information for specific product information in the product information Transmitting to a mobile payment device; Driving a mobile payment application by a call request signal received from the goods supply device; Transmitting the selected payment means information to the mobile payment apparatus when the inputted authentication information is authenticated to authenticate the payment request information by a user's operation or command; Generating OTP information according to the payment means information and transmitting the OTP information to the mobile payment apparatus when the payment means information is synchronized with the mobile payment apparatus; And receiving payment settlement information from the mobile settlement apparatus and displaying the payment settlement information.

As described above, according to the present embodiment, during the mobile settlement using the terminal, OTP information according to the payment means information selected by the user is transmitted to the corresponding payment apparatus without having to directly input the user, It is possible to perform a more secure settlement through the authentication according to the present invention. In addition, according to the present embodiment, the user does not need to directly enter the OTP information at the time of payment, and the payment is easily performed, and the OTP information is further authenticated through the card company or the communication company according to the payment means The security of the payment means is increased.

1 is a block diagram schematically showing a mobile settlement system according to the present embodiment,
2 is a block diagram schematically showing a mobile settlement apparatus according to the present embodiment,
3 is a block diagram schematically showing a terminal according to the present embodiment,
4 is a flowchart illustrating a mobile payment method according to the present embodiment,
5 is a flowchart for explaining a payment method for a case where the payment means according to the present embodiment is a credit card,
6 is a flowchart for explaining a payment method for the case where the payment means according to the present embodiment is the telephone bill information.

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

The mobile payment described in this embodiment refers to a mobile payment on-line via the terminal 110, but is not necessarily limited thereto, and any person skilled in the art will understand that the present invention is not limited to the mobile payment It will be applicable in the meaning of electronic payment in the range.

1 is a block diagram schematically showing a mobile settlement system according to the present embodiment.

The mobile payment system according to the present embodiment includes a terminal 110, a mobile payment application 112, a communication network 120, a goods provision apparatus 122, a mobile payment apparatus 130, a communication company apparatus 140, A card terminal apparatus 142, a telephone bill substitution apparatus 150, a value added communication network 160, a card issuing apparatus 162 and a card company OTP provision apparatus 164. In this embodiment, the terminal 110, the mobile payment application 112, the communication network 120, the merchandise supply apparatus 122, the mobile payment apparatus 130, the communication company apparatus 140, the communication company OTP provision apparatus 142, The substitution device 150, the value added communication network 160, the card issuing device 162, and the card company OTP provision device 164, but this is merely illustrative of the technical idea of the embodiment of the present invention It will be apparent to those skilled in the art that various modifications and variations can be made in the components of the mobile payment system without departing from the essential characteristics of one 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 is a terminal for storing a browser, a program for communicating with the mobile settlement apparatus 130 via the communication network 120, And a microprocessor for executing and controlling various programs. That is, the terminal 110 may be any terminal as long as it can perform server-client communication with the mobile payment apparatus 130, and 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. Although the terminal 110 is described as being implemented as a separate device from the mobile settlement apparatus 130 in the present embodiment, the terminal 110 may include a mobile payment apparatus 130 (Stand Alone) device of the present invention.

The terminal 110 may activate the mobile payment application 112 by a user's operation or command and perform member registration through the mobile payment application 112. [ More specifically, the mobile payment application 112 refers to an application installed after being downloaded through an application store if the terminal 110 is a smart phone, (Feature Phone) refers to an application that is run on a VM (Virtual Machine) downloaded through the communication company device 140.

In order to perform the mobile settlement, the terminal 110 must perform the member registration. Hereinafter, the terminal 110 loads the mobile settlement application 112 to perform member registration, When at least one of the message authentication information, the user identification information authentication information, and the terminal PIN (Personal Identification Number) authentication information input by the user is authenticated, the application ID for mobile settlement is received and the payment means information And processes member registration completion. The mobile terminal 110 downloads the mobile payment application 112. To explain the process, the mobile terminal 110 transmits a user's selection information through the application providing device or a user The mobile payment application 112 is downloaded from the application providing apparatus and the downloaded mobile payment application 112 is installed.

In addition, in the member registration process, the terminal 110 confirms whether or not the user identification information authentication information input by the user is authenticated. If the user identification information authentication information is authenticated, the mobile payment apparatus 130 transmits the user identification information Receives an application ID from the mobile payment apparatus 130 after transmitting the authentication procedure completion signal and transmits a terminal PIN procedure completion signal to the mobile payment apparatus 130 when the terminal PIN information input by the user is authenticated, Registers the payment means information input by the user, and receives the registration completion signal from the mobile payment apparatus 130, and processes the member registration completion.

When the member registration process is completed, the main payment means is registered. To explain this, the terminal 110 transmits the payment means information selected by the user's operation or command to the mobile payment apparatus 130, When the information is authenticated, the mobile payment apparatus 130 stores the received OTP authentication key corresponding to the payment means information, and then finishes the registration completion of the payment means information. At this time, the terminal 110 receives the encrypted OTP authentication key from the mobile payment apparatus 130, decrypts the encrypted OTP, and re-encrypts the encrypted OTP together with information (for example, PIN information) necessary for authentication. Here, the payment means information includes at least one of credit card information, check card information, phone bill information, and financial account information. For this operation of the terminal 110, the terminal 110 uses the mobile payment application 112 that is mounted.

That is, in order to register the credit card information, the terminal 110 transmits the payment means information including the credit card information as the payment means to the mobile payment apparatus 130, and transmits any one of the business information received from the mobile payment apparatus 130 And payment method authentication information including at least one of telephone number information for the selected business information, card company identification information, card alias information, card number information, card valid period information, virtual card number information, and CVC information To the mobile settlement apparatus 130. [ The terminal 110 stores the received OTP authentication key in response to the credit card information, which is the payment means information, from the mobile settlement apparatus 130, and then finishes registration processing of the payment means information.

In order to register the telephone bill information, the terminal 110 transmits the payment means information including the telephone bill information as a payment means to the mobile payment apparatus 130. In response to the telephone bill registration request information received from the mobile payment apparatus 130, Number information and mobile payment application ID information to the payment method registering device. Then, the terminal 110 stores the received OTP authentication key in response to the phone bill information, which is the payment means information, from the mobile payment apparatus 130, and then finishes the registration means information registration processing.

If the inquiry request information about the payment means information is input by the user's operation or command, the terminal 110 may inquire or change the payment means. To the mobile settlement apparatus 130 and receives the transaction history confirmation information corresponding thereto from the mobile settlement apparatus 130. [ In addition, when the change request information for the payment means information is input by the user's operation or command, the terminal 110 transmits the change request information to the mobile payment apparatus 130, (130).

The terminal 110 according to the present embodiment is connected to the merchandise supply apparatus 122 to display the merchandise information received from the merchandise supply apparatus 122 and displays the information on the specific merchandise information Transmits the settlement request information to the mobile settlement apparatus 130, drives the mobile settlement application 112 according to the call request signal received from the merchandise supply apparatus 122, and transmits the settlement request information by the operation or command of the user When the authentication information input for authentication is authenticated, the selected payment means information is transmitted to the mobile payment apparatus 130. When the payment means information is synchronized with the mobile payment apparatus 130, OTP information corresponding to the payment means information is generated And transmits the payment completion information to the mobile settlement apparatus 130 and displays the settlement completion information. Here, the authentication information is PIN information for the mobile payment application 112. [ 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.

For example, the terminal 110 receives various goods information from the goods supply device 122 and displays it after accessing the goods supply device 122 by a user's operation or command. At this time, the user can log in to the merchandise supply apparatus 122 with his / her own user account (ID and password) using the terminal 110, and can purchase specific merchandise information among the merchandise information transmitted from the merchandise supply apparatus 122 The user can select the payment request information.

When the payment means information is authenticated, the mobile 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 mobile 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, the terminal 110 loads the mobile payment application 112 and performs member registration. However, the operation procedure can be performed only by the mobile payment application 112. That is, the mobile payment application 112 displays merchandise information received from the merchandise supply apparatus 122 after being connected to the merchandise supply apparatus 122 through the browser of the terminal 110 mounted on the terminal 110, The mobile payment apparatus 130 transmits the settlement request information for specific product information among the goods information to the goods providing apparatus 122 and the mobile settlement application 112 is transmitted to the mobile settlement apparatus 130 by the call request signal received from the goods providing apparatus 122 And transmits the selected payment means information to the mobile payment apparatus 130. When payment information is transmitted from the mobile payment apparatus 130 to the mobile payment apparatus 130, Generates OTP information according to the payment means information, transmits the OTP information to the mobile payment apparatus 130, receives payment completion information from the mobile payment apparatus 130 The display function can be implemented independently.

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 includes a cloud computing network that can be coupled with the mobile payment device 130 to store computing resources such as hardware and software and to provide the computing resources required by the client to the corresponding terminal 110 can do. 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 CDMA (Code Division Multiple Access), a WCDMA The concept is to refer to networks such as Multiple Access, Global System for Mobile Communications (GSM), Long Term Evolution (LTE) and Evolved Packet Core (EPC) as well as next-generation networks and cloud computing networks to be implemented in the future.

When the terminal 110 is connected to the merchandise supply apparatus 122, the merchandise supply apparatus 122 transmits the merchandise information to the terminal 110 via the communication network 120. When the payment signal for the specific merchandise information is received from the terminal 110 , And transmits it to the mobile settlement apparatus 130. The merchandise supply apparatus 122 according to the present embodiment transmits the settlement request information received from the connected terminal 110 to the mobile settlement apparatus 130. [ For example, after the user accesses the merchandise supply apparatus 122 through the terminal 110, the user logs in the merchandise supply apparatus 122 using his / her user account (ID and password) The user selects the payment request information when the user wants to purchase specific product information from the goods information. The product providing device 122 includes at least one of a web providing device for providing specific product information and a PG for linking to the mobile payment device 130 according to the payment request information. Meanwhile, the merchandise supply apparatus 122 according to the present embodiment sends a call request signal for driving the mobile payment application 112 to the connected terminal 110.

The mobile settlement apparatus 130 is a concept of an apparatus including at least one of a card issuer server, a financial institution server, a transportation agency server, and a mobile payment server for performing electronic settlement. Of course, the mobile settlement apparatus 130 may be implemented by any one of a card company server, a financial institution server, a transportation agency server, and a mobile payment server.

The mobile payment apparatus 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 mobile payment 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, Means a computer system that accepts a request to perform an operation of a server and derives a result of the operation, and computer software (a web server program) installed for the computer system. 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 mobile settlement apparatus 130 may be a web server program that is variously provided according to operating systems such as DOS, Windows, Linux, Unix, and Macintosh on general server hardware. (Internet Information Server) used in a window environment, CERN, NCSA, and APPACH used in a UNIX environment can be used as typical examples.

In addition, the mobile settlement apparatus 130 may be linked to an authentication system and a payment system for member registration. In addition, the mobile settlement apparatus 130 classifies the membership subscription information and stores and manages the subscription information in a database, which can be implemented inside or outside the mobile settlement apparatus 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, DB2, Gemston, Orion, O2, and so on. (XML Native Database) such as an object-oriented database management system (OODBMS), such as Excelon, Tamino, Sekaiju, etc., can be implemented for the purpose of this embodiment, It has the appropriate fields or elements to achieve its function.

The mobile settlement apparatus 130 may provide a mobile settlement service in cooperation with a mobile settlement application 112 installed in the terminal 110. [ That is, when the payment request signal is received from the mobile payment application 112 installed in the terminal 110, the mobile payment apparatus 130 can perform mobile settlement in cooperation with the financial institution apparatus. The mobile payment apparatus 130 receives a message authentication procedure completion signal, a user identification information authentication procedure completion signal, and a user identification information authentication procedure completion signal from the mobile terminal 110. In this case, And terminal PIN procedure completion signal, it confirms whether or not the user information of the terminal 110 is a member, allocates an application ID for performing mobile settlement, registers the payment means information, 110 of the user information. Here, the payment means information is credit card information. Check card information, phone bill information, and financial account information.

In order to perform the mobile settlement, the mobile settlement device registration process is performed in the mobile settlement device 130 after the member registration process is completed. To this end, the mobile settlement device 130 transmits the payment means information received from the terminal 110 The OTP authentication key is generated by using an external device according to the payment means information, transmitted to the terminal 110, and the payment means information is registered. At this time, the mobile settlement apparatus 130 transmits the encrypted OTP authentication key to the terminal 110 in an encrypted state. More specifically, the mobile payment apparatus 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.

That is, when registering the credit card information as the main payment means, the mobile payment apparatus 130 inquires the settlement company information according to the payment means information, and when the payment means included in the payment means information is the credit card information, And transmits the card company information corresponding to the settlement company information to the terminal 110. The mobile settlement apparatus 130 authenticates the validity of the payment means authentication information received from the terminal 110 by using the card issuer apparatus 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 mobile payment apparatus 130 transmits at least one of card alias information, card number information, card valid period information, virtual card number information, CVC information, and identification information of the terminal 110 to the card issuer To authenticate the validity. The mobile settlement apparatus 130 generates an OTP authentication key for the information whose validity is authenticated by using a card issuer OTP providing apparatus interlocked with the card issuing apparatus for generating the OTP authentication key when 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, the mobile payment apparatus 130 transmits the payment means information Register.

In addition, when registering the phone bill information as the main payment means, the mobile payment apparatus 130 inquires the payment allowable company information according to the payment means information, and when the payment means included in the payment means information is the phone bill information, To the terminal 110, the telephone bill registration request information corresponding to the business information. When the mobile payment apparatus 130 receives phone book registration information from the terminal 110 to generate an OTP authentication key when registering the phone bill, the mobile payment apparatus 130 transmits OTP authentication information to the phone bill registration information using the communication company apparatus 140 connected to the terminal 110 Key. Here, the phone bill registration information includes at least one of phone number information and mobile payment application ID information mounted on the terminal 110. The mobile settlement 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 an OTP authentication key corresponding thereto from the communication device 140 . 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.

On the other hand, when inquiry request information on the payment means information is received from the terminal 110, the mobile settlement apparatus 130 inquires of the settlement mobile web server or the PG web server, And transmits the confirmation information to the terminal 110. When the change request information is received from the terminal 110, the mobile settlement apparatus 130 reflects the change request information, changes the payment means to the content, and transmits the change completion information to the terminal 110 .

As described above, when the member registration and the main payment means registration are completed, mobile settlement can be performed. Hereinafter, mobile settlement using credit card information will be described.

The mobile payment apparatus 130 according to the present embodiment receives payment request information from the goods provision apparatus 122 and then receives OTP information corresponding to payment means information and payment means information from the terminal 110, The OTP information is authenticated using an external device according to the present invention, and the settlement processing for the settlement request information is performed. The mobile payment apparatus 130 includes a payment web providing apparatus for requesting OTP information from the terminal 110 connected to the goods providing apparatus 122.

More specifically, the mobile settlement apparatus 130 receives settlement request information for the terminal 110 connected from the merchandise supply apparatus 122, Receives the OTP information corresponding to the payment means information from the terminal 110 and receives at least one of the card issuer device 162 and the communication company apparatus 140 according to the payment means information, When the OTP information is authenticated, a transaction approval request signal for synchronized payment means information is transmitted to at least one of the card issuing machine 162 and the communication company apparatus 140, And transmits a settlement information verification completion signal to the terminal 110 or the goods provision apparatus 122 after receiving the transaction approval response signal corresponding to the request signal. In addition, the mobile settlement apparatus 130 can receive the settlement means information and synchronize it, and inquire the corresponding member using the stored telephone number information and the electronic payment application ID information.

Here, when the payment means information is credit card information, the transaction approval request signal includes at least one of card alias information, virtual card number information, payment information, and OTP information, and the payment information verification completion signal is transmitted to the result information page Link information. The card alias information is information input by a user's operation or command. Meanwhile, when the payment means information is the telephone bill information, the transaction approval request signal corresponds to the OTP information, the virtual card number information, the telephone number information for the terminal 110, the terminal identification information for the terminal 110, A subscriber number information corresponding to specific user account information, and payment information, and the payment information verification completion signal includes link information for the result information page.

Hereinafter, a process of processing settlement when the settlement means information is credit card information in the mobile settlement apparatus 130 will be described. When the payment means information is credit card information as a result of confirming the payment means information synchronized with the terminal 110 in order to authenticate the OTP information, the mobile payment apparatus 130 transmits the credit card information to the card issuer OTP providing apparatus And transmits the OTP authentication request signal to the card issuer OTP provision device 164, receives the OTP authentication response signal corresponding to the OTP authentication request signal, and confirms whether or not the OTP information is authenticated do. Also, when the OTP information corresponding to the credit card information is generated, the mobile payment apparatus 130 confirms the communication company member information for the terminal 110 using the communication company apparatus 140. [ When the mobile payment apparatus 130 confirms that the member information of the communication company is authenticated, the mobile payment apparatus 130 transmits an approval request signal for mobile settlement to the value added communication network 160, And receives a response signal. At this time, the mobile payment apparatus 130 confirms at least one of the phone number information, the mobile payment application ID information, the name definition, and the service subscription information to check the communication company member status.

Hereinafter, a process for processing payment when the payment means information is phone bill information in the mobile payment apparatus 130 will be described. The mobile payment apparatus 130 authenticates the OTP information by using the communication company OTP provision apparatus 142 linked to the communication company apparatus 140 when the payment means information is the telephone bill information as a result of checking the synchronized payment means information, Transmits an OTP authentication request signal to the OTP provision device 142, and receives an OTP authentication response signal corresponding to the OTP authentication request signal to confirm whether the OTP information is authenticated. When the OTP information for the phone bill information is authenticated, the mobile payment apparatus 130 transmits a transaction approval request signal for the phone bill information to the goods provision apparatus 122. [ Also, the mobile payment apparatus 130 receives a transaction approval response signal corresponding to the transaction approval request signal from the telephone billing apparatus interlocked with the goods providing apparatus. The mobile settlement apparatus 130 performs B / L (Black List) verification of the transaction approval request signal using the von-bill substitution unit 150. When the B / L verification is completed, The transaction approval request signal corresponding to the transaction approval request signal.

Meanwhile, the mobile settlement apparatus 130 may further include a cloud computing storage unit and a cloud computing unit for cloud computing. The cloud computing storage unit receives the settlement request information for the terminal 110 connected from the merchandise supply apparatus 122, receives and synchronizes the settlement means information from the terminal 110, And authenticates the OTP information using at least one of the card issuer device 162 and the communication company device 140 according to the payment means information. If the OTP information is authenticated, the card issuer device 162 and / Transmits a transaction approval request signal for synchronized payment means information to at least one of the communication company apparatuses 140 and receives a transaction approval response signal corresponding to the transaction approval request signal, 122, and the cloud computing unit stores the storage medium in which the terminal 110 stores data for the storage medium To be read and written.

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 a control signal to send a message authentication message from the mobile settlement apparatus 130 for member registration, the communication apparatus apparatus 140 sends a message authentication message to the terminal 110 in a predetermined message format. At this time, the communication company apparatus 140 can use a message center to send a message authentication message to the terminal 110 in a predetermined message format. Meanwhile, the communication company apparatus 140 according to the present embodiment receives a request signal for the communication company member information from the mobile payment apparatus 130, and transmits a response signal confirming whether or not the communication company member information is authenticated to the mobile settlement 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 voicemail agent 150 is basically a device that performs a function of paying communication charges of the terminal 110 in cooperation with the communication company device 140. The voicemail agent 150 is a device Perform payment authorization. That is, when the user of the terminal 110 requests the voicemail payment, the voicemail agent 150 performs a function of paying a fee corresponding to the payment request signal, and authenticates information related to the voip. Meanwhile, the von-bill substitution device 150 according to the present embodiment compares parameters stored in the terminal IP B / L information, the USIM B / L information, and the terminal identification B / L information with the parameters included in the transaction approval request signal, And performs verification.

The value added communication network 160 is a server operated by an additional communication network operator and is connected between the mobile payment apparatus 130 and the card issuing apparatus 162 connected via the value added communication network 160 to transmit request information And transmits and receives data.

The card issuing device 162 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 . Further, the card issuing device 162 according to this embodiment receives 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 And authentication of the settlement means authentication information including at least one of the information of the settlement means. Further, the card issuing machine 162 generates an OTP authentication key for the payment means information by using the card issuer OTP provision device 164 to be interlocked. Here, the card company OTP provision device 164 is a device that provides a card use OTP in cooperation with the card issuing device 162. [

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

The mobile payment apparatus 130 according to the present embodiment includes a payment information receiving unit 210, a payment means synchronization unit 230, an OTP information authentication unit 240 and a payment approval unit 250. Although the mobile payment apparatus 130 includes only the payment information receiving unit 210, the payment means synchronizing unit 230, the OTP information authenticating unit 240 and the payment acceptance unit 250, It will be understood by those of ordinary skill in the art that various changes in form and details may be made therein without departing from the spirit and scope of the invention as defined by the appended claims. 130 may be variously modified and modified.

The settlement information receiving unit 210 receives settlement request information for the terminal 110 connected thereto from the merchandise supply apparatus 122. [ The payment means synchronization unit 230 receives the payment means information from the terminal 110 and synchronizes them. In addition, the settlement unit synchronization unit 230 receives the settlement unit information, synchronizes the settlement unit information, and inquires the corresponding member using the stored telephone number information and electronic payment application ID information.

The OTP information authentication unit 240 receives the OTP information corresponding to the payment means information from the terminal 110 and transmits the OTP information to the OTP information authentication unit 240 using at least one of the card issuer apparatus 162 and the communication company apparatus 140, Authenticate the information. On the other hand, if the payment means information is credit card information, the OTP information authentication unit 240 checks the payment means information synchronized with the terminal 110, and if the payment means information is credit card information, The card issuer OTP provider 164 transmits the OTP authentication request signal to the card issuer OTP provider 164, receives the OTP authentication response signal corresponding to the OTP authentication request signal, Check whether it is authenticated. When OTP information corresponding to the credit card information is generated, the OTP information authentication unit 240 confirms the communication company member information for the terminal 110 using the communication company apparatus 140. [ At this time, the OTP information authentication unit 240 checks at least one of the phone number information, the mobile payment application ID information, the name definition, and the service subscription information to check the communication company member status. On the other hand, when the payment means information is the telephone bill information, the OTP information authentication unit 240 verifies the payment means information synchronized with the terminal 110, and when the payment means information is the telephone bill information, OTP information by using the OTP providing device 142, transmits an OTP authentication request signal to the communication company OTP providing device 142, receives an OTP authentication response signal corresponding to the OTP authentication request signal, and authenticates the OTP information .

When the OTP information is authenticated through the OTP information authentication unit 240, the payment acceptance unit 250 transmits a transaction approval request signal for the payment means information synchronized to at least one of the card issuer 162 and the communication company apparatus 140 And transmits a settlement information verification completion signal to the terminal 110 or the goods provision apparatus 122 after receiving the transaction approval response signal corresponding to the transaction approval request signal. On the other hand, when the payment means information is credit card information, the payment approval unit 250 transmits an approval request signal for mobile settlement to the value added communication network 160 when the member information of the carrier is confirmed as an authorized member, To the authentication request signal. On the other hand, when the payment means information is the telephone bill information, the payment approval unit 250 transmits a transaction approval request signal for the telephone bill information to the goods provision apparatus 122, when the OTP information about the telephone bill information is authenticated. The settlement approval unit 250 receives a transaction approval response signal corresponding to the transaction approval request signal from the von-vicarious apparatus 150 interlocked with the goods provision apparatus 122. [ The payment approval unit 250 verifies the B / L (Black List) of the transaction approval request signal using the vonville substitution unit 150. When the B / L verification is completed, The transaction approval request signal corresponding to the transaction approval request signal.

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

The terminal 110 according to the present embodiment includes a browser unit 310, an application driver 320, a main payment means synchronization unit 330, an OTP information transmission unit 340 and a payment completion processing unit 350. The present embodiment describes that the terminal 110 includes only the browser unit 310, the application driver 320, the main payment unit synchronization unit 330, the OTP information transmission unit 340, and the payment completion processing unit 350 It will be understood by those of ordinary skill in the art that various changes in form and details may be made therein without departing from the spirit and scope of the present invention as defined by the following claims. And various modifications and changes may be made to the components included in the terminal 110. [ The application driving unit 320, the main payment means synchronization unit 330, the OTP information transmission unit 340 and the payment completion processing unit 350 implemented in FIG. 3 may be implemented by the mobile payment application 112.

The browser unit 310 is connected to the merchandise supply apparatus 122 to display the merchandise information received from the merchandise supply apparatus 122 and displays the payment request information To the mobile settlement apparatus 130. [ At this time, the browser unit 310 may be equipped with a browser according to the OS of the terminal. That is, since the terminal OS can be loaded with iOS, Android, Windows Phone 7, etc., a browser according to each OS can be mounted.

The application driver 320 drives the mobile payment application by the call request signal received from the goods supply device 122. [ In other words, when the application driver 320 receives the call request signal, the application driver 320 can invoke the embedded mobile payment application 112. The main payment means synchronization unit 330 transmits the selected payment means information to the mobile payment apparatus 130 when the authentication information inputted to authenticate the payment request information by the user's operation or command is authenticated. The authentication information is PIN information for the mobile payment application 112.

The OTP information transmission unit 340 generates OTP information according to the payment means information and transmits the OTP information to the mobile payment apparatus 130 when the payment means information is synchronized with the mobile payment apparatus 130. [ Herein, the OTP information transmitting unit 340 generates OTP information. In order to perform mobile settlement, the mobile payment application 112 registers the member registration and payment means. In the registration of the payment means, And receives and stores the OTP authentication key corresponding to the payment means. Accordingly, the OTP information transmitting unit 340 may generate and display the OTP information previously stored according to the selected payment means, or may directly transmit the generated OTP information to the mobile payment apparatus 130. For example, when the main payment means is synchronized, the OTP information transmission unit 340 generates and displays the OTP information for the payment means information. After the user confirms the OTP information, the OTP information transmission unit 340 transmits the OTP information directly to the mobile payment apparatus 130 using the terminal 110 Can be input. That is, when the payment means information is synchronized, the OTP information transmitting unit 340 may generate OTP information for the payment means information and then directly transmit the OTP information to the mobile payment apparatus 130. [ The payment completion processing unit 350 receives payment completion information from the mobile payment apparatus 130 and displays the payment completion information.

4 is a flowchart illustrating a mobile payment method according to the present embodiment.

The user accesses the goods providing apparatus 122 via the terminal 110 and logs into the goods providing apparatus 122 using his / her own user account (ID and password) In the case of purchasing specific product information among the information, the payment request information is selected (S410). That is, in step S410, the terminal 110 is connected to the merchandise supply apparatus 122 to display the merchandise information received from the merchandise supply apparatus 122, and the merchandise supply apparatus 122 supplies the specific merchandise information To the mobile settlement apparatus 130 via the merchandise supply apparatus 122. The settlement request information is transmitted to the mobile settlement apparatus 130 via the merchandise supply apparatus 122. [ At this time, the terminal 110 can be loaded with the OS-specific browser, and accesses the product providing device 122 with the browser, and receives product information after user login. Since the merchandise supply apparatus 122 includes at least one of the web providing apparatus for providing specific merchandise information and the PG for linking to the mobile settlement apparatus 130 according to the settlement request information, (S412).

The mobile payment apparatus 130 receives the payment request information for the terminal 110 connected from the goods provision apparatus 122 and the goods provision apparatus 122 transmits the mobile payment application 112 to the connected terminal 110 And sends a call request signal for driving (S414). In step S414, the mobile payment apparatus 130 may request the terminal 110 to request identification information corresponding to user account information or to input OTP information. For example, after the user accesses the merchandise supply apparatus 122 through the terminal 110, the user logs in the merchandise supply apparatus 122 using his / her user account (ID and password) The user selects the payment request information when the user wants to purchase specific product information from the goods information. At this time, the merchandise supply apparatus 122 may transmit a call request signal to the connected terminal 110.

The terminal 110 drives the mobile payment application 112 by the call request signal received from the goods provision apparatus 122 and if the input authentication information is authenticated to authenticate the payment request information by the user's operation or command , And transmits the selected payment means information to the mobile payment apparatus 130 (S416). In step S416, when the terminal 110 receives the call request signal, it can invoke the mobile payment application 112 that is mounted. In addition, the terminal 110 transmits the pre-stored payment means information to the mobile payment apparatus 130 when the input authentication information is authenticated to authenticate the payment request information by a user's operation or command. Here, the authentication information is PIN information for the mobile payment application 112. [

The mobile payment apparatus 130 receives and synchronizes payment means information from the terminal 110 connected to the merchandise supply apparatus 122, and inquires the corresponding member using the stored telephone number information and the electronic payment application ID information S418). The mobile settlement device 130 may then transmit the synchronized payment means information to the terminal 110. [ When the payment means information is synchronized with the mobile payment apparatus 130, the terminal 110 generates OTP information according to the payment means information and transmits the OTP information to the mobile payment apparatus 130 at step S420. In step S420, the terminal 110 registers the member registration and payment means using the mobile payment application 112 to generate the OTP information. Upon registration of the payment means, the terminal 110 receives and stores the OTP authentication key according to the payment means . Accordingly, the terminal 110 may generate and display the OTP information pre-stored according to the selected payment means, or may directly transmit the OTP information to the mobile payment apparatus 130. [ For example, when the main payment means is synchronized, the terminal 110 generates and displays OTP information for the payment means information, and after the user confirms the OTP information, the terminal 110 can directly input the OTP information to the mobile payment apparatus 130 using the terminal 110 have. In addition, when the main payment means is synchronized, the terminal 110 may generate OTP information for the payment means information and then directly transmit the OTP information to the mobile payment apparatus 130. [

The mobile settlement apparatus 130 receives the OTP information corresponding to the payment means information from the terminal 110 when the payment means information is synchronized with the terminal 110 and transmits the OTP information corresponding to the card issuance apparatus 162 and the communication company apparatus 140, and generates order information (S422), and confirms the generated order information (S424).

In step S422, the mobile settlement apparatus 130 confirms the payment means information synchronized with the terminal 110 to authenticate the OTP information. If the payment means information is credit card information, OTP information by using the OTP providing device 164, transmits an OTP authentication request signal to the card company OTP providing device 164, receives an OTP authentication response signal corresponding to the OTP authentication request signal, and authenticates the OTP information . In step S422, if the payment means information is the phone bill information as a result of checking the synchronized payment means information, the mobile payment apparatus 130 uses the communication company OTP provision apparatus 142 linked to the communication company apparatus 140 to transmit the OTP information And transmits an OTP authentication request signal to the communication company OTP provider device 142, and receives an OTP authentication response signal corresponding to the OTP authentication request signal to confirm whether or not the OTP information is authenticated.

Although it is described in FIG. 4 that steps S410 to S424 are sequentially executed, it is only described as an example of the technical idea of the present embodiment. If a person skilled in the art is familiar with the present invention, It will 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 the steps S410 to S424 in parallel, But is not limited thereto.

As described above, the mobile payment method according to the embodiment described in FIG. 4 can be implemented by a program and recorded on a computer-readable recording medium. A program for implementing the mobile payment method 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) . The computer readable recording medium may also be distributed over a networked computer system so that computer readable code is stored and executed in a distributed manner. In addition, functional programs, codes, and code segments for implementing the present embodiment can be easily inferred by programmers in the technical field to which the present embodiment belongs.

5 is a flowchart for explaining a payment method for the case where the payment means according to the present embodiment is a credit card.

If the payment means information is credit card information, the mobile settlement apparatus 130 transmits an approval request signal for mobile settlement to the value added communication network 160 (S510). The mobile payment device 130 may then receive an authorization response signal corresponding to the authorization request signal from the value-added network 160. [ In step S510, the mobile settlement apparatus 130 may transmit a signal indicating that the OTP information input to the terminal 110 connected to the goods provision apparatus 122 is authenticated. Here, the approval request signal includes at least one of card alias information, membership number information, identification information, OTP information, virtual card number information, and resident registration number information. At this time, the card alias information is information input by a user's operation or command.

When the mobile payment apparatus 130 sends a transaction approval request signal to the main payment means to the goods provision apparatus 122, the goods provision apparatus 122 sends a transaction approval request signal to the main payment means to the card issuing apparatus 162 (S512). The credit card issuing apparatus 162 processes the transaction approval request for the transaction approval request signal received from the goods provision apparatus 122 and transmits a transaction approval response signal corresponding to the transaction approval request signal to the value added communication network 160 and the mobile settlement apparatus 130 To the goods supply apparatus 122 (S514). Here, the transaction approval request signal includes at least one of card alias information, virtual card number information, payment information, and OTP information.

The merchandise supply apparatus 122 transmits a payment information verification completion signal to the terminal 110 or the user terminal 114 (S516). In step S516, the merchandise supply apparatus 122 receives a transaction approval response signal corresponding to the transaction approval request signal from the card issuing apparatus 162 and transmits a payment information verification completion signal to the terminal 110 or the user terminal 114 do. Here, the payment information verification completion signal includes link information for the result information page. The terminal 110 receives and displays the payment completion information from the mobile settlement apparatus 130 (S518).

5, it is described that steps S510 to S518 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, It will be understood that various changes and modifications may be possible without departing from the spirit and scope of the invention as set forth in the appended claims and as a result of variations of the order described in FIG. 5 or by executing one or more of steps S510 through S518 in parallel, But is not limited thereto.

6 is a flowchart for explaining a payment method for the case where the payment means according to the present embodiment is the telephone bill information.

If the payment means information is phone bill information, the mobile payment apparatus 130 transmits a transaction approval request signal for mobile settlement to the goods provision apparatus 122 (S610). Here, the transaction approval request signal includes OTP information, telephone number information for the terminal 110, virtual card number information, terminal identification information for the terminal 110, membership number information corresponding to specific user account information, And information on at least one of payment information. Thereafter, the mobile settlement apparatus 130 may receive a transaction approval response signal corresponding to the transaction approval request signal from the goods provision apparatus 122. [ In step S610, the mobile payment apparatus 130 may transmit a signal indicating that the OTP information input to the terminal 110 connected to the goods providing apparatus 122 is authenticated.

The mobile settlement apparatus 130 transmits a transaction approval request signal for performing electronic settlement using the telephone bill information to the von-bill substitution apparatus 150 (S612). At this time, the mobile settlement apparatus 130 can transmit the telephone number information, the settlement information, and the resident registration number information to the voicemail agent 150. The mobile payment apparatus 130 verifies the B / L (Black List) of the transaction approval request signal through the von-invitation device 150. When the B / L verification is completed, And receives a transaction approval response signal corresponding to the request signal (S614). In step S614, the von-invitation device 150 receives the transaction approval request signal from the mobile payment device 130 and transmits the stored terminal IP B / L information, the USIM B / L information, the terminal identification B / L information, And transmits the result of the verification to the mobile settlement apparatus 130 as a transaction approval response signal corresponding to the transaction approval request signal.

The merchandise supply apparatus 122 transmits a payment information verification completion signal to the terminal 110 or the user terminal 114 (S616). In step S616, the merchandise supply apparatus 122 receives a transaction approval response signal corresponding to the transaction approval request signal from the phone bill substitution apparatus 150, and transmits a payment information verification completion signal to the terminal 110 or the user terminal 114 send. Here, the payment information verification completion signal includes link information for the result information page. The terminal 110 receives and displays the payment completion information from the mobile settlement apparatus 130 (S618).

It is described in FIG. 6 that steps S610 to S618 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 embodiment 6 and can be variously modified and modified by executing at least one of the steps S610 to S618 in parallel, so that the embodiment of the present invention is not limited to the above-described embodiments, 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 mobile payment field so that the OTP information according to the payment means information selected by the user in the process of mobile settlement using the terminal is transmitted to the corresponding payment apparatus without having to directly input the user. And it is a useful invention to generate an effect of enabling safer settlement through authentication based on the selected payment means.

110: Terminal 112: Mobile Payment Application
120: communication network 122:
130: mobile payment device 140:
142: OTP provider of communication company 150:
160: Value Added Network 162: Card issuer
164: Card issuer OTP provisioning device
210: payment information receiver
230: payment means synchronization unit 240: OTP information authentication unit
250: Payment acceptance unit 310: Browser unit
320: Application driver 330: Primary payment means synchronization unit
340: OTP information transmission unit 350: Payment completion processing unit

Claims (15)

A merchandise providing apparatus for transmitting merchandise information to a connected terminal and transmitting payment request information received for specific merchandise information among the merchandise information from the terminal to a mobile payment apparatus;
Receiving the settlement request information and receiving OTP (One Time Password) information corresponding to the payment means information and the payment means information from the terminal, and authenticating the OTP information using an external device according to the payment means information A mobile payment apparatus for performing payment processing on the payment request information; And
At least one of OTP information corresponding to the settlement means information including the settlement request information, the credit card information or the Vonville information, the OTP information corresponding to the credit card information, and the OTP information according to the voicemail information is transmitted to the mobile settlement device And receiving and displaying payment completion information from the mobile payment device;
Lt; / RTI >
The mobile terminal loads a mobile payment application, the mobile payment application transmits the payment means information selected by a user's operation or command to the mobile payment apparatus, and when the payment means information is authenticated, the mobile payment application transmits the received OTP authentication key And then completes registration processing of the payment means information. delete A payment information receiving unit for receiving payment request information for a terminal connected from the goods providing apparatus;
A payment means synchronization unit for receiving the payment means information from the terminal and synchronizing and inquiring the corresponding member using the stored phone number information and the mobile payment application ID information;
An OTP information authentication unit for receiving OTP information corresponding to the payment means information from the terminal and authenticating the OTP information using at least one of a card issuer apparatus and a communication company apparatus according to the payment means information; And
A transaction approval request signal for the synchronized payment means information is transmitted to at least one of the card issuer apparatus and the communication company apparatus when the OTP information is authenticated, and a transaction approval response signal corresponding to the transaction approval request signal is received A settlement approval unit for transmitting a settlement information verification completion signal to the goods supply apparatus,
The mobile payment apparatus comprising: The method of claim 3,
The OTP information authentication unit,
When the payment means information is credit card information as a result of checking the synchronized payment means information, authenticating the OTP information using a card issuer OTP providing apparatus interlocked with the card issuing apparatus, And receives an OTP authentication response signal corresponding to the OTP authentication request signal to confirm whether the OTP information is authenticated. 5. The method of claim 4,
The OTP information authentication unit,
And when the OTP information corresponding to the credit card information is generated, confirms the communication company member information for the terminal using the communication company apparatus. 6. The method of claim 5,
The settlement approval unit,
And transmits an approval request signal for mobile settlement to the value added communication network (VAN), and receives an approval response signal corresponding to the approval request signal from the value added communication network. Mobile payment device. 6. The method of claim 5,
The OTP information authentication unit,
Mobile payment application ID information, definition of name, and service subscription information in order to check the communication company member status. The method of claim 3,
The OTP information authentication unit,
When the payment means information is phone bill information as a result of confirming the synchronized payment means information, authenticating the OTP information by using a communication company OTP provision apparatus interlocked with the communication company apparatus, wherein the communication company OTP provision apparatus transmits an OTP authentication request signal Receives an OTP authentication response signal corresponding to the OTP authentication request signal, and confirms whether the OTP information is authenticated. 9. The method of claim 8,
The settlement approval unit,
And transmits the transaction approval request signal for the telephone bill information to the goods provision apparatus when the OTP information for the telephone bill information is authenticated. 10. The method of claim 9,
The settlement approval unit,
And receives the transaction approval response signal corresponding to the transaction approval request signal from the von-bill substitute device interlocked with the goods providing apparatus. 11. The method of claim 10,
The settlement approval unit,
(B / L) verification for the transaction approval request signal using the von-bill substitution device, and when the B / L verification is completed, And receives an approval response signal. A browser unit connected to the merchandise supply apparatus to display the merchandise information received from the merchandise supply apparatus and to transmit the settlement request information for the specific merchandise information among the merchandise information to the mobile payment apparatus;
And the mobile payment application transmits the payment means information selected by the user's operation or command to the mobile payment apparatus, and when the payment means information is authenticated, An application driver for registering the payment means information after storing the received OTP authentication key in response to the information;
A main payment means synchronization unit for transmitting the selected payment means information to the mobile payment apparatus when the PIN information for the mobile payment application inputted to authenticate the payment request information by the user's operation or command is authenticated;
An OTP information transmission unit for generating and displaying OTP information according to the payment means information when the payment means information is synchronized with the mobile payment apparatus, transmitting the OTP information to the mobile payment apparatus after the user confirms the information; And
A payment completion processing unit for receiving and displaying payment completion information from the mobile payment apparatus,
And a second terminal. 13. The method of claim 12,
Wherein the authentication information is PIN (Personal Identification Number) information for a mobile payment application. A method for performing mobile settlement in a payment device,
Receiving payment request information for a terminal connected from the goods providing apparatus;
Receiving payment means information from the terminal and synchronizing the payment means information;
A step of inquiring the member using the stored phone number information and the mobile payment application ID information after synchronization;
Receiving OTP information corresponding to the payment means information from the terminal and authenticating the OTP information using at least one of a card issuer device and a communication company device according to the payment means information;
Generating order information after authenticating the OTP information, and confirming the generated order information; And
A transaction approval request signal for the synchronized payment means information is transmitted to at least one of the card issuer apparatus and the communication company apparatus when the OTP information is authenticated, and a transaction approval response signal corresponding to the transaction approval request signal is received And transmitting a payment information verification completion signal to the goods providing apparatus
The mobile payment method comprising the steps of: A method for performing mobile settlement at a terminal,
Connecting to the merchandise supply apparatus to display the merchandise information received from the merchandise supply apparatus and transmitting the settlement request information for the specific merchandise information among the merchandise information to the merchandise supply apparatus to the mobile settlement apparatus;
Driving a mobile payment application by a call request signal received from the goods supply device;
Generating OTP information according to the payment means information and transmitting the OTP information to the mobile payment apparatus when the payment means information is synchronized with the mobile payment apparatus;
Registering member registration and payment means using a mobile payment application, receiving and storing an OTP authentication key according to payment means when registering a payment means;
Transmitting the selected payment means information to the mobile payment apparatus when the PIN information for the mobile payment application entered to authenticate the payment request information by the user's operation or command is authenticated;
Generating OTP information according to the payment means information and transmitting the OTP information to the mobile payment apparatus when the payment means information is synchronized with the mobile payment apparatus; And
Receiving and displaying payment completion information from the mobile payment device
The mobile payment method comprising the steps of:

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