KR20010085115A - The payment system by using the wireless terminal - Google Patents

Abstract

PURPOSE: A payment system is provided to enable a user to make a payment for a commodity or a service by using card data stored in a mobile terminal, e.g. a mobile phone or a PDA, or by using a receiving number of the mobile terminal and a billing system of a mobile carrier. CONSTITUTION: The system comprises a credit card process terminal(500), a mobile terminal(600), a payment company(700), and a mobile carrier(800). The credit card process terminal(500) is installed at a member store. The mobile terminal(600) stores credit card data, an electronic signature generation key, and a certificate. The payment company(700) includes a VAN(Value Added Network) and a credit card company. The mobile carrier(800) offers a two way messaging service or an Internet service. The mobile terminal(600) includes a receiver(601), a data processor(603), a storage(604), and a transmitter(602). The receiver(601) receives data from the credit card process terminal(500) via a messaging system of the mobile carrier(800). The data processor(603) checks the payment data, and outputs an electronic signature and payment certification request data. The payment company(700) system includes a receiver(701), a data processor(702), a transmitter(704), and a storage(703). The receiver(701) receives the payment certification request data from the mobile terminal(600) via the messaging service system or the Internet service system of the carrier(800). The data processor(702) generates payment certification result data.

Description

The payment system by using the wireless terminal}

The present invention relates to the configuration of a payment service system for performing a payment by using a mobile terminal such as a mobile phone, a personal digital assistant (PDA), a smartphone, etc., and processes information of a card inquiry machine, a mobile terminal, a payment institution related to a payment service. The system transmits and receives information related to payment using an interactive messaging service provided by a mobile communication company or the Internet in a process of transmitting and receiving information. When a card checker requests a payment to a user's mobile terminal, the user checks the payment details and makes a payment authorization request using a mobile terminal that stores various cards and payment related information. It is about a system that tells merchants whether the payment is approved.

The present invention can be applied not only to credit card business, but also to debit card, and can also be applied to payment using a billing system of a mobile carrier by using a received number of a mobile terminal as payment information.

In comparing the existing technology related to the present invention, when comparing the credit card payment approval process of the most commonly used credit card payment, there is an existing credit card payment approval service and a credit card payment approval service using a mobile terminal. First, the existing credit card payment approval business will be described.

1 is a view illustrating a payment approval process using a credit card in the existing credit card business processing system.

When the card user submits the credit card to the credit card merchant, the credit card merchant reads the credit information from the user's credit card through the credit card checker 100, inputs a payment amount, and the like, and adds a value added network (VAN) ( 300) to approve payment. The method for requesting payment approval is connected to the VAN company 300 through a wired / wireless modem and transmits a payment approval request.

The VAN company 300 receives the payment approval request from the credit card merchant to identify the credit card company 400 through the card information and access the credit card company 400 through a packet communication network such as X.25 to request the payment approval.

The credit card company 400 determines whether to approve payment of the user and the merchant at the request of the VAN company 300 and notifies the VAN company 300 of the result. The VAN company 300 transmits the decision of the credit card company 400 to the credit card inquiry machine 100 of the credit card merchant.

The credit card inquiry machine 100 of the credit card merchant outputs a credit card sales slip according to the payment approval result, and receives the handwritten signature of the credit card user, the credit card payment process between the user and the card merchant is completed.

The problems that occur in the existing credit card business processing system are as follows.

In the existing credit card business process, the credit card merchant enters the user's credit card information through the credit card checker, generates a payment approval request, and requests the payment authority for payment approval. Can't pay by card. Therefore, the user must always own several cards, and in the case of payment by delivery, credit card payment is possible only if the credit card merchant has a credit card inquiry machine equipped with a separate expensive CDMA module.

In addition, the credit card does not have an owner approval process such as a password in the payment process, and the lost card can be used immediately by others because the credit card is confirmed by the signature after the possession of the credit card and the approval of the payment. In such an environment, if you lose your wallet, you may lose several cards at once and the risk of accidents is greater.

Here, the credit card inquiry device 100 of the credit card affiliate store must maintain the modem connection state until the credit card company's payment approval result is received from the VAN company 300. In addition, the credit card company 400 or the VAN company 300 is not connected to the credit card query device 100 to provide information independently without the request of the credit card query device 100.

Next, a description will be given of a method of processing a credit card using an existing mobile terminal.

There are three ways to handle credit card business using a mobile terminal.

The first method is to connect a credit card inquiry device and a mobile terminal with a physical device, and then the credit card inquiry device receives the card information of the mobile terminal and processes the card business, or processes the payment business using the communication function of the mobile terminal. (Application No. 10-1999-0047386, 10-2000-0066788).

The second method is to inform the card merchant of the number and payment password of the mobile terminal, the card merchant of the card merchant accesses the payment institution and requests payment approval. The payment institution processes the payment approval and informs the user's mobile terminal of the approval result. When the user informs the card merchant of the approval result and the approval number of the payment institution, the card merchant checks whether the payment approval corresponding to the approval number is made through the credit card inquiry machine (application number: 10-2001- 0013537).

The third method is a method in which a user inputs an affiliate store number, payment amount and installment information of a card merchant to a mobile terminal in which card information is stored and requests approval from a payment institution, and a payment institution notifies the card merchant of the result (application) No. 10-2001-0011032).

The disadvantages of the method of performing a credit card payment through a mobile terminal are as follows.

First, the first method has the disadvantage that the user of the mobile terminal must bear all the communication costs, there is a limitation that the mobile terminal should be in the place to perform the payment, and the physical connection method between the mobile terminal and the card terminal should be unified.

The second method is to inform the card terminal of the payment password of the mobile terminal, and the card terminal must perform two communication processes in the process of requesting the payment authority to confirm the payment and confirming the payment approval. There is a limit to being at the place where payment is made.

The third method is a lot of information to be input to the mobile terminal because the user must find a screen or program related to the card in the mobile terminal to enter the information related to the card merchant and the payment amount. Most mobile terminals have a high possibility of error because the convenience of the input device is very low. In addition, in the case of the current credit card can be used in the ATM equipment connected online because VAN company can not independently transmit information to the credit card inquiry, it can be said that it is difficult to use in the credit card business.

In all three methods, the user has to make a separate handwritten signature on the sales slip after making a payment using a mobile terminal.

An object of the present invention is to provide an environment in which a user can make a payment using a mobile terminal in which information of various payment means is stored. In the process of constructing such a payment system, the portable terminal owned by the user is inconvenient to input information, thus minimizing the process of inputting the information, and the merchant, mobile terminal, and payment institution can share the communication cost in the settlement process fairly. The purpose is to make it possible.

In addition, even if the user loses the mobile terminal, the user's actual payment information is not exposed, and even if the user stops the payment using the mobile terminal through the lost report, the real card is not stopped so that the actual card is not used. Make payment possible.

If the user selects an electronic signature from a handwritten signature or an electronic signature, and selects an electronic signature, and a user generates an electronic approval request by making a digital signature on a mobile terminal, the final payment confirmation is performed on the sales slip. Allow payment to be completed without handwriting signature. In addition, even if the user owns a mobile terminal that cannot perform the electronic signature, when the user selects the final payment confirmation method as the handwritten signature, the handwritten signature may be signed on the sales slip to complete the settlement.

[Figure 1] Current credit card payment business composition

2 is a configuration of the registration and payment business system of the present invention

3 is a detailed system of a payment service of the present invention

[Figure 4] Flow chart of the payment confirmation request generation process of the merchant inquiry

5 is a flowchart of a payment approval request generation process of a mobile terminal

6 is a diagram showing the completion of payment approval request delivery results of mobile carriers

7 is a flow chart of payment approval result generation process of payment institution

[Figure 8] Flow chart of the sales slip processing process of merchants

In describing the configuration of the present invention, the most widely used among various payment methods, and will be described based on a payment method using a credit card for easy understanding.

When the present invention is applied to the credit card settlement process, the relevant components are divided into four as shown in FIG. The first is a credit card inquiry machine 500 installed in the credit card merchant, the second is a mobile terminal 600 that stores the user's credit card payment information and digital signature generation key and certificate information, and the third is the user It consists of a credit card company that issues credit cards, etc., and a VAN (Value Added Network) company that sells credit card lookups to card merchants and secures card merchants. Credit card companies and VAN companies from the standpoint of card users and card merchants can be divided into a single agency that handles credit card payment requests, so it will be described as a single payment institution 700. Lastly, the mobile communication company 800 provides a two-way messaging service or the Internet to a credit card inquiry machine, a mobile terminal, and a payment institution.

In the present invention, a process for the user to perform a payment using a mobile terminal is as follows.

The user of the mobile terminal 600 informs the affiliated store of the received number of the mobile terminal 600. If the merchant enters the receiving number of the mobile terminal 600 in the credit card inquiry machine 500 and inputs the payment amount and the installment content, the credit card inquiry machine 500 includes the merchant number, the receiving number, the payment identification number, and the like. After generating the payment confirmation request and delivers to the mobile terminal 600 using the two-way messaging service of the mobile carrier (800).

In the payment confirmation request message transmitted to the mobile terminal 600, a message identification number indicating that the message is a payment confirmation request is set. This message identification number is also set in the payment approval request and payment approval result, and the message identification number can be used to automatically call the related program in the component that received the message.

After the user receives the payment confirmation request through the mobile terminal 600 and checks the contents, the user receives the user's confirmation by inputting a password through a program automatically called through the message identification number on the mobile terminal 600 and receiving the user's confirmation. Choose whether to sign a handwritten signature. The payment approval request includes the information of the payment confirmation request and the user's payment information, and the user can include his or her electronic signature in the payment approval request so that the payment institution can confirm his payment approval request. The mobile terminal 600 transmits the payment approval request to the payment institution 700 through the mobile communication company 800.

The payment institution 700 receives the payment approval request, checks the appropriate contents, and determines whether the payment is approved. If the payment approval request includes an electronic signature, verify the authenticity of the payment approval request by verifying the user's electronic signature on the payment approval request, and extracting and approving the credit card number from the database based on the user's certificate information. Determine whether or not. If the payment authorization request does not include an electronic signature, extract the user's credit card information from the database using user identification information (such as a receiving number), or use the user's actual credit card number in the payment authorization request. Determine whether the payment is approved. The payment institution 700 generates a payment approval result indicating the approval of the payment and the signature method selected by the user, and transmits the payment approval result to the credit card inquiry machine 500 through the mobile communication company 600.

The work of the payment institution 700 may be divided into registration, distribution, payment approval, and transmission service. The registration service is a task of registering a user's credit card number, etc. with a credit card company in accordance with a user's request, registering it in a database, generating and configuring information necessary for payment, and sending it to the user. The distribution service is a task of classifying the credit card used for payment according to the contents of the user's payment approval request and delivering the payment approval request to the relevant credit card company. The payment approval service is a task for generating a payment approval result by determining whether the user approves payment according to the credit card company's internal regulations. Finally, the sending service is a task of delivering a payment approval request made by a credit card company to a credit card checker of a merchant. Although the payment institution 700 of the present invention may be separated into four functions according to a task, it will be described based on performing all four functions in one payment institution.

After receiving the payment approval result, the credit card inquiry machine 500 outputs the sales slip when the credit card payment is approved. If there is information indicating that the user has electronically signed the payment approval request on the mobile terminal, the handwritten signature of the user may be omitted. In the opposite case, the payment process is completed when the sales slip is shown to the user and the handwritten signature is received. .

3 is a configuration of the system according to a preferred embodiment of the present invention and a detailed configuration diagram of each component.

The credit card inquiry machine 500 capable of two-way messaging service performs an input card 501 for receiving information, an output part 502 for outputting a slip or the like, and processing the input or received information to perform a card business. Payment confirmation request to the mobile terminal 600 using the information processing unit 503 for changing / managing the internal information, the storage unit 504 for storing information necessary for the card business processing process, the two-way messaging service of the mobile communication company (800) It comprises a transmitter 505 for transmitting the transmission unit 505, and a receiver 506 for receiving the information sent by the payment authority 700 from the mobile communication company (800).

The mobile terminal 600 is called by the receiver 601 for receiving the information transmitted through the messaging service of the mobile communication company 800 from the credit card inquiry machine 500 and the unique number of the received message to check the payment contents. Information processing unit 603 for generating an electronic signature and payment approval request, a storage unit 604 for storing information such as payment information, password, certificate information and digital signature generation key, interactive messaging service of the mobile carrier 800 or the Internet It consists of a transmitter 602 for transmitting a payment approval request to the payment institution 700 using the.

The system of the payment institution 700 includes a receiving unit 701 for receiving a payment approval request sent by the mobile terminal 600 using the two-way messaging service of the mobile communication company 800 or the Internet, and the payment approval request of the mobile terminal 600. After reviewing the contents and verifying the electronic signature through the process of verifying the electronic signature, the information processing unit 702 generates a payment approval result and generates the payment approval result through the mobile communication company 800. The transmitter 704 transmits to the device 500, and a storage unit 703 that stores card service processing requests and processing results, or stores information related to a user.

The payment institution 700 may directly use the two-way messaging service of the mobile communication company 800 in the process of transmitting and receiving information with the mobile terminal, but in consideration of speed and safety, the payment agency 700 forms a dedicated communication line through consultation with the mobile communication company 800. Is more efficient.

The payment institution 700 may be classified into a credit card company and a VAN company that handles some tasks of the credit card company as in the existing credit card processing system. In this case, the receiving unit 701, the information processing unit 702, the storage unit 703, The transmitting unit 704 is separated and reconfigured according to the functions of the credit card company and the VAN company, and the work is distributed.

The present invention may be divided into a step of registering payment information such as a credit card number in a mobile terminal and a payment institution and a step of performing payment using the registered payment information.

First, a description of how to register the payment information in the mobile terminal and payment institution.

A user accesses a registrar operated by a payment institution or a registrar delegated by a payment institution to verify his or her identity, and registers his or her card information and digital signature information. If there is no certificate related to the digital signature, it may be issued by a payment institution or by a certification authority recognized by the payment institution. However, if the digital signature is not used, the certificate does not need to be issued.

The payment institution must generate user identification information to uniquely identify the user. The user identification information is used as a key when the payment institution stores the user's credit card information in the database. When the user uses the certificate, the DN (Distinguished Name) of the certificate may be used as the user identification information. When the user does not use the certificate, the receiving number of the user's mobile terminal may be used as the user identification information. In the present invention, a description will be given by using a DN as user identification information when using a certificate. The payment institution generates a card identification number according to the type of the credit card of the user and delivers it to the user. The card identification number is not a credit card number, but information that can identify the type of card (for example, credit card XX card company YY card) possessed by the user. If the user sets the card identification information in the payment authorization request and sends it to the payment institution, the payment institution can extract the user's actual credit card number by using the user identification information and the card identification number. If stored, the actual card information is not exposed to others even if the mobile terminal is lost.

When using a certificate in a mobile terminal, there may be a method of using a single certificate by a payment institution and a method of using a certificate for each payment institution, but in terms of overall efficiency and user convenience, it is better to use one certificate. Therefore, in the description process of the present invention will be described based on the use of one certificate.

The method of storing the information provided to the payment institution on the mobile terminal is provided by the user directly inputting the information into the mobile terminal, or the payment institution provides the information using a two-way messaging service on the user's mobile terminal, There is a method of storing in the terminal. In the latter method, in order to prevent the user's payment information from being exposed to the outside, the information is sent to the user's mobile terminal by encrypting the information with an encryption key generated by the payment institution or the encryption key specified by the user, and the information necessary for decryption is transmitted. If provided to the user, the user may input the information necessary for decryption into the portable terminal to decode the information and store the information in the portable terminal.

In the present invention, the payment process using the payment information is performed according to the following detailed procedure in the situation where the payment information is stored in the mobile terminal.

First, the card merchant that has installed the credit card inquiry machine 500 requests the payment confirmation to the mobile terminal 600 according to the process of FIG. 4 as follows.

The credit card merchant inputs the received number of the mobile terminal received from the customer into the input unit 501 of the credit card inquiry machine 500 (S101), and inputs information on payment amount, installment history, etc. (S102). The information processing unit 503 connects the payment confirmation request and the payment approval result because the transmission and reception process is separated, and generates a unique payment identification number to be used when identifying it with other information (S103). Then, the information processing unit 503 brings the reception number and the merchant registration number of the credit card inquiry machine stored in the storage unit 504 of the credit card inquiry machine 500 (S104), and generates a payment confirmation request ( S105).

The transmitter 506 requests the mobile communication company 800 that provides the interactive messaging service to deliver the payment confirmation request to the mobile terminal 600 of the designated reception number (S106). When the transmission is completed, the information processing unit 503 stores the payment identification number and payment details in the storage unit 504 (S107).

In this process, the credit card inquiry machine 500 delivers the payment approval request to the payment institution 700 through the Internet, a two-way messaging service, a wired / wireless telephone network, and the payment institution 700 pays the mobile terminal 600 again. You can also send a request for approval. However, the payment processing process is increased one step further, and the payment institution 700 has to pay the communication fee to send the payment confirmation request to the mobile terminal, or maintain the communication connection until the merchant's credit card inquiry receives the payment approval result. Problems may arise. Therefore, in order to highlight the effects of the present invention, a description will be given focusing on a process in which the credit card inquiry machine 500 directly sends a payment confirmation request to the mobile terminal 600 using a two-way messaging service.

The mobile communication company 800 receives the messaging service request of the credit card inquiry machine 500 (S120), checks the reception number of the mobile terminal 600, and transfers the information to the designated mobile terminal 600 through the messaging service. .

The mobile terminal receiving the payment confirmation request from the mobile carrier 800 makes a payment approval request in accordance with the process of FIG. 5 and requests payment approval from the payment institution 700 as follows. In each process of FIG. 5, the dotted arrows indicate an example of a screen displayed on the portable terminal.

The mobile terminal 600 receiving the payment confirmation request from the mobile communication company 800 through the receiver 601 (S201) informs the user of the payment confirmation request of the mobile terminal. The user checks the contents of the received payment confirmation request (S202), and if there is nothing wrong with the contents, proceeds with the payment. At this time, the payment program of the information processing unit 603 related to the payment is automatically started according to the message identification number of the received message. When the user enters the password, the information processing unit 603 confirms the user's password (S203) to authenticate the user. When the user selects the payment type and the card type, the information processing unit 603 extracts the payment information of the card type selected in the storage unit 604 (S204). According to the extracted payment information, it is selected whether to use an electronic signature or a handwritten signature (S205). When the user selects the electronic signature, the information processing unit 603 confirms whether a handwritten signature is required for the final payment confirmation, generates the electronic signature using the digital signature generation key and certificate information (S206), and reflects the digital signature. A payment approval request is generated (S207), and if a handwritten signature is selected, a payment approval request without an electronic signature is generated using the payment information (S207). The generated payment approval request is transmitted to the designated payment institution 700 by using the interactive message service of the mobile carrier 800 or the Internet through the transmitter 602 (S208), and the mobile terminal stores necessary contents in the storage unit 604. Stored in (S209).

When the mobile terminal 600 transmits information by using the two-way messaging service, the mobile communication company 800 transmits the payment approval request of the mobile terminal to the payment institution as follows according to the process of FIG. 6.

After the mobile communication company 800 receives the payment approval request from the mobile terminal 600 (S301) and checks the received number (S302), the payment service provider 700 transmits the payment authority 700 to the dedicated communication line. Determine whether it is a place to transmit and receive information using (S303), and when using a dedicated communication line is delivered through a dedicated communication line (S304), otherwise it is transmitted using a two-way messaging service or the Internet (S305).

The payment institution 700 receives the payment approval request of the mobile terminal 600 according to the process of FIG. 7 as follows, checks the contents, creates a payment approval result, and then transfers the result to the credit card designated by the mobile carrier 800. Request to deliver to the query 500.

The receiving unit 701 of the payment institution 700 receives the payment approval request of the mobile terminal 600 sent by the mobile communication company 800 (S401) and transmits it to the information processing unit 702, and the information processing unit 702 receives the payment approval. Check whether the electronic signature is included in the request (S402). If the electronic signature is included, the electronic signature is verified (S403). The information processing unit 702 extracts the credit card information from the storage unit 704 based on the user identification information (for example, the DN of the certificate and the received number of the user's mobile terminal). However, when the user generates a payment approval request by directly using the credit card number, the credit card information in the payment approval request is extracted (S404). The payment institution reviews the extracted credit card information and the payment approval request, determines whether to approve it based on the payment history between the user and the credit card merchant (S405), and whether a handwritten signature is required to confirm the final payment of the user. Generate a payment approval result including the information (S406). The payment institution 700 transmits the payment approval result to the credit card inquiry machine 500 of the designated credit card merchant through the transmitter 702 (S407).

The payment institution 700 transmits the payment approval result and extracts the relevant data from the payment approval request so as to be used for payment of the price and stores it in the storage unit 704 (S408).

The mobile communication company 800 transmits the payment approval result of the payment institution 700 to the designated credit card inquiry machine 500 by using the two-way messaging service.

The credit card inquiry machine 500 receives the payment approval result sent from the payment institution 700 according to the process of FIG. 8, verifies the contents, and outputs a sales slip when the approval is made.

The receiving unit 507 of the credit card inquiry machine 500 receives the payment approval result of the payment institution 700 sent by the mobile communication company 800 (S501) and transmits it to the information processing unit 503. The information processing unit 503 checks the payment approval result (S502), displays the contents on the screen through the output unit 502, or outputs a credit card sales slip to a printer or the like (S503). If the user selects a handwritten signature for confirmation of final payment, the merchant checks the approval details and makes a handwritten signature on the card sales slip (S504).

The credit card payment approval process is not intended to limit the present invention to the details described, but one example for understanding the present invention will be described. The present invention can also be applied to direct debit payment of a bank, billing payment of a mobile communication company, etc. according to a payment institution receiving a payment approval request of a mobile terminal.

According to the present invention, a credit card inquiry device, a mobile terminal, and a payment institution can process a payment service through a one-way messaging service or a communication process through the Internet, and the communication cost of the credit card inquiry device is settled with the payment institution and the mobile terminal. Merchants can bear fair and inexpensive communication costs because the owner's speed of processing is constant.

In addition, there is no need to have a mobile terminal owner in the card merchant, and the owner of the mobile terminal can know in advance when another person uses the mobile terminal to make a payment, thereby preventing a card accident. There is an advantage in that it is possible to determine whether to make a payment.

In addition, since the user can use the indirect information registered with the payment institution without storing the direct information related to the payment on the mobile terminal, even if the mobile terminal is lost, the personal payment information is not exposed and only the report is lost to the payment institution. Payment can be prevented, and since the actual card information is not exposed, the payment can be continued with the actual card.

The affiliated store may request one payment service from the mobile terminal using a card terminal such as a credit card inquiry machine, and then immediately request the payment from another mobile terminal without waiting for the completion of the processing. In addition, when the payment information is sent to the user's portable terminal without purchasing an expensive credit card inquiry machine equipped with a CDMA modem, the payment of the new device can be saved.

If the user only teaches the receiving number of the mobile terminal, the merchant enters the necessary information into the credit card checker and the like, and then sends the result, thereby reducing the trouble of inputting directly, reducing the time required, and typing errors. Is less likely to occur. In addition, the owner can check the payment details before the payment, it is possible to automatically start the program associated with the unique number of the received message. The user can select the electronic signature and the handwritten signature and apply them according to the situation. The user can complete the payment without the separate signature by using the electronic signature.

If the user does not receive a credit or debit card, but the user registers a certificate with the payment institution and replaces the credit card number or debit card with the certificate, the payment institution does not need to issue a separate physical card. You can save money.

Claims (6)

In the process of making a payment The user registers his or her card information with a registrar operated by a payment institution or a registrar authorized to function as a payment authority, receives payment information provided by the registrar through a two-way messaging service, and stores the information on the mobile terminal. Stage 1; A second step of, if the user informs the affiliated store of the mobile terminal's receipt number for payment, the merchant inputs necessary information for payment, and then generates a payment confirmation request and transmits a payment confirmation request to the user's mobile terminal; When the user receives the payment confirmation request through the mobile terminal and confirms the user as necessary, selects the payment type and method, generates the payment approval request, and sends the payment approval request to the payment institution through the interactive messaging service or the Internet. Step 3; A fourth step in which the payment institution receives the payment approval request of the user, checks the contents, determines whether the payment is approved, and generates a payment approval result and transmits the payment approval result to the affiliate store by using a two-way messaging service; And Merchant receiving the payment approval result prints the sales slip and receives a handwritten signature as required and completes the payment. In the process of step 1 of claim 1, the user stores information in the mobile terminal using a registration service provided by a registrar operated by a payment institution or a registrar authorized by the payment institution. A first step in which a user accesses a registration authority and registers his payment information, a mobile terminal receiving number, and, if necessary, digital signature information; A second step of allowing the registrar to issue a certificate for payment if a certificate is required in the first step; A third step of configuring the payment information by adding the information registered by the user and the necessary information for the payment by the registrar, and then transmitting the information to the mobile terminal using an interactive message; After receiving the information provided to the registrar, check the contents and select Save, and the relevant program of the mobile terminal is automatically called by the unique number of the message, the relevant information is saved, and the password can be set to secure the security. The fourth step of doing; And In steps 3 and 4, the registrar and the mobile terminal transmit information by encrypting with an encryption key generated by the registrar or an encryption key specified by the user for the confidentiality and integrity of the information sent and received by the registrar and the mobile terminal. If informed, the user inputs the necessary information to the mobile terminal to decrypt the encrypted information and then store the payment information. When the user registers the card information with the registrar while the registrar configures the user's payment information, the registrar may use the user's actual information based on the user identification information (for example, certificate information and user's mobile terminal receiving number). The card information is stored in Deatibase and only the card identification information is stored in the user's mobile terminal, so that the actual card information is not exposed even if the user loses the mobile terminal, and the user stops payment of all or part of the payment method. When the request is made, the payment method of the payment method using the user's mobile terminal can be stopped, but does not affect the actual use of the card. When the mobile terminal receives the payment confirmation request sent by the credit card checker, the user checks the contents, generates the payment approval request, and delivers it to the payment institution. A first step in which, when the mobile terminal checks the contents of the payment confirmation request sent by the credit card inquiry and selects payment, the program of the mobile terminal is automatically driven by using the message identification number; A second step of inputting a payment password; A third step of selecting a stored payment method (method and type) in the mobile terminal; A fourth step of the payment program configuring the payment approval request information by using the information indicating the payment method selected by the user and the information of the payment confirmation request; A fifth step of generating an electronic signature and attaching certificate information to generate a payment approval request when the user can digitally sign the payment approval request in step 4; A sixth step in which the user may select to perform a handwritten signature on the sales slip and the like to confirm the final payment in the fifth step; And According to the payment method selected by the user, the receiving information of the payment institution is extracted or the payment approval request is sent to the payment institution through the interactive message service or the Internet using the receiving information of the payment institution set in the payment confirmation request sent by the credit card checker. How to. In the process of the payment institution confirming the payment approval request, generating the payment approval result, and delivering it to the credit card checker A first step of transmitting a payment approval request to a related payment performing agency according to the type of payment method selected by the user of the payment approval request sent by the mobile terminal; If there is an electronic signature, verify the digital signature, extract the user's actual card information stored in the database of the payment institution based on the user's certificate and payment method, and decide whether to accept the user's payment approval request. Generating a result book; A third step of indicating in the second step that the user requires a handwritten signature for final payment confirmation; And Method of transmitting the generated payment approval result to the terminal of the merchant using a two-way messaging service of the mobile carrier. While the credit card checker receives the payment approval result and prints the sales slip, the user checks it. A first step of receiving, by a payment institution, a payment approval result sent through an interactive message; A second step of finding a payment identification number in the payment approval result, finding payment details in the storage unit, checking the contents, and outputting the contents; And In the second step, when the user selects a handwritten signature, the handwritten signature field of the sales slip is blanked and printed out, and the user receives the occasional signature. How to prevent receiving handwritten signature from user.