KR20020066231A - electronic commerce for sanction of movile - Google Patents

Abstract

PURPOSE: An electronic commerce method is provided to collectively process a purchase contract, a payment and a selection of a delivery destination by using a phone number and a secret number of a mobile phone while solving complaints caused by a lower quality or a delivery accident and preventing a hacking of personal data over the internet. CONSTITUTION: The method comprises steps of a user accessing a host server or a client server, the user transmitting a purchase order, and the user receiving a request for inputting a mobile phone number and a secret number(S1), the host server storing the user personal data and the purchase order data at a customer management database and requesting a server of a mobile communication company to transmit the payment data and the delivery data corresponding to the mobile phone number(S2), the host computer receiving the payment data and the delivery data and requesting a payer, whose information is included in the payment data, to approve the purchase payment(S3), the host server receiving a payment approval from the payer and transmitting a purchase result message to the mobile phone of the user(S4), the host server transmitting payment process data to the client server(S5), the host server transmitting purchased commodity data and delivery destination data to a server of a delivery center(S6) and the host server receiving delivery completion data from the delivery center server and transmitting the delivery result to the client server(S7).

Description

Electronic commerce for sanction of movile}

The present invention relates to an electronic commerce using a mobile payment, in particular, when the e-commerce or mobile phone orders made on the web so that the transaction can be made simply by the phone number and password of the mobile phone user, credit guarantee service and electronic payment The present invention relates to an electronic commerce using a mobile payment to solve the complaints and anxiety elements of the e-commerce user by combining a service to enable a more stable e-commerce.

In general, e-commerce, when a netizen accesses a supplier's web server, searches for an item to purchase, selects a product to purchase, and selects buyer information, a shipping address, and a payment method according to a predetermined procedure. .

In addition, the passbook payment or credit card payment is made by the payment method selected above, and the passbook deposit is only after the deposit of the goods price until a predetermined time elapses, and the purchase of the goods is confirmed, and the goods are designated by the buyer. It will be delivered to the address.

In addition, when the purchaser selects the credit card payment, the buyer inputs the predetermined information for the credit card payment according to the request of the supplier's web server. Accordingly, after the credit card information is transmitted from the web server to the electronic payment system, The purchase of the product is confirmed according to the credit card payment. When the authorization number is sent to the supplier's web server, the product is delivered to the buyer's delivery address.

E-commerce on the web by the above procedure is solved by the inconvenience of entering the customer's address information, name, social security number, phone number, etc. only when netizens (buyers) have registered as online members. In the online shopping mall not registered as a member, the user must bear the inconvenience of inputting predetermined information every time a product is purchased.

In particular, in recent years, online hacking, which is a social problem, suffers economic disadvantages when a customer enters credit card information and transmits it to a web server, and the transmitted credit card information is exposed to the hacker and the personal information is hacked. In fact, in online e-commerce, the dissatisfaction and anxiety factors of purchasing customers are increasing.

In addition, if the quality of the product ordered by only looking at the photo or video online is less than this, the buyer's unsatisfaction with the transaction is further increased, and the delivery address is not correct from the supplier's point of view, or the recipient is unable to receive the goods. Problems arising from the failure to deliver acts as a bad news for logistics costs and delivery costs.

In addition, financial fees paid when paying for goods with a credit card are also the responsibility of the supplier or purchaser, which adds to the burden.

The present invention has been made in order to solve the above problems, it is possible to process the order consummation, payment, and delivery selection with the purchase customer collectively only by the phone number and password of the mobile phone user, It resolves complaints and anxiety caused by undeliverable and provides the purpose of ensuring stable and reliable electronic commerce by preventing personal information from being hacked on the web.

1 is a block diagram schematically illustrating the system of the present invention;

2 is a flowchart showing the present invention electronic commerce 1/3.

Figure 3 is a flow chart illustrating the present invention electronic commerce 2/3.

Figure 4 is a flowchart of the present invention e-commerce 3/3.

5 is a detailed flowchart illustrating the present invention e-commerce in detail.

6 is a flowchart showing one embodiment of the present invention electronic commerce.

7 is a flowchart showing an embodiment according to the present invention.

8 is a flowchart showing an embodiment according to the present invention.

9 is a detailed flowchart showing one embodiment according to the present invention in detail.

Explanation of Drawings

101-Host server 102-Client server

103-Customer care DB 104-Mobile phone provider or server of mobile phone provider

104a-Servers of foreign or foreign mobile operators

105-Shipping Center's Server

The above object is, according to the present invention, in the electronic commerce using a mobile payment, when a purchaser connected to any one of the website of the host server 101 and the client server 102 selects an order, the purchaser Customer information request step (S1) requesting to enter the mobile phone number and password of the customer information and product information entered by the purchase customer in the customer information request step (S1) is received from the host server 101 After storing in the customer management DB 103, the billing information request step (S2) for requesting the billing information (payment, delivery information) of the purchase customer corresponding to the phone number by transmitting to the server 104 of the mobile phone operator; When the billing information is received by the billing information request step (S2), the first payment approval request step of requesting the payment approval by transmitting the purchase information to be paid by the customer to the payment destination recorded in the billing information. (S3) And, when the payment processing information is received from the payment provider in the host server 101 by the first payment approval request step (S3), the purchase result text message according to the payment processing information is transmitted / notified to the mobile phone of the purchase customer. When the payment processing information is received at the host server 101 through the first purchase result notification step (S4) and the first payment approval request step (S3), the client operating the website for payment processing information. The first client notification step (S5) to send to the server 102 and, if the contents of the payment processing information transmitted in the first payment approval request step (S3) is payment approval information to the server 105 of the shipping center The first delivery request step (S6) for transmitting the information and the delivery address information so that the goods are delivered by the delivery center, and the delivery product information completed by the first delivery request step (S6) server of the delivery center (105) Receive from) In that it comprises a client server 102, the first delivery information transmission step (S7) to be sent to is achieved by an electronic commerce using a mobile payment according to claim.

The customer information request step S1 further includes a first micropayment information request step S8 for requesting a number of micropayment providers when the purchase customer wants to make a micropayment of a product to be purchased.

In addition, when the customer's phone number entered in the customer information request step (S1) is a foreign phone number, and transmits the customer information from the server (104) of the domestic mobile phone provider server 104a of the corresponding country mobile phone operator, The first overseas payment request step (S9) for requesting the payment approval by sending the purchase information to the payment destination of the purchase customer billing information, and the payment by the first overseas payment request step (S9) It is preferable to further include a first processing result return step (S10) to return the payment processing result of the customer.

And, the first payment approval request step (S3), if the payment destination of the billing information sent to the host server 101 is a credit card company, the first credit for requesting authorization by transmitting the purchase information to the server of the credit card company When the payment destination of the card approval request step (S11) and the billing information transmitted to the host server 101 is a bank, the first account transfer request step (S12) for requesting an account transfer by sending purchase information to a server of a corresponding bank. And the first micropayment request step (S13) of requesting a micropayment by transmitting the purchase information to the server of the micropayment provider when the number of the micropayment authority is input to the billing information transmitted to the host server 101. It includes.

In addition, when the contents of the payment information received by the first payment approval request step S3 include a credit card approval number, transfer payment information, and micropayment authorization information, the purchase insurance information is transmitted to the guarantee insurance server to guarantee the guarantee. It is preferable to further include a request for issuance of a guarantee insurance policy requesting for issuance of an insurance policy and receiving an electronic guarantee policy.

And, the first payment approval request step (S3), when the payment processing information is transmitted from the payment destination to the host server 101, a client operating a website where a purchase customer accesses the purchase result according to the payment processing information It is preferable to further include a purchase result display step (S14) to be transmitted to the server 102, so that the purchase result can be displayed on the web site of the client server 102.

In addition, after the purchase customer who has received the purchase completion notice (processing number) by the first purchase result notification step (S4) has elapsed at least a predetermined time, he / she connects to either the host server 101 or the client server 102. When requesting a change of the item receiving address, the first access step (S15) for requesting input of a telephone number, a password, and a processing number, and the telephone number and password inputted in the first access step (S15) are performed by the client server 102. When input to any one of the host server 101 is transmitted to the host server 101, the host server 101 transmits the customer information to the mobile phone provider 104 to request the identification of the customer identity In step S16 and the first identification step S16, the identification result transmitted from the mobile telephone operator 104 is transmitted to one of the host server 101 and the client server 102, thereby identifying the identity. Members who are not The first server receiving request step (S17) and the first item receiving request step (S17) for requesting an input and requesting the member's address to be changed to the member whose identity is confirmed, the client server 102 ) And a first information update step (S18) to update the customer management DB (103) by sending to any one of the host server 101 and the customer management DB (103) updated by the first information update step (S18). The first delivery address change receiving step (S19) and the first delivery address change receiving step (S19) to transmit the product information of the) to the server 105 of the delivery center so that the goods can be delivered to the changed address. The receipt change processing result can be notified to at least one of sending the text message of the purchaser's mobile phone and transmitting the result of the change to the client server 102 operating the website to which the purchaser is connected. First changing processing results for locking preferably further comprises a notification step (S20).

After the purchase customer who has received the purchase completion notice (processing number) by the first purchase result notification step (S4) has elapsed at least a predetermined time, he / she connects to either the host server 101 or the client server 102. When requesting the order cancellation, the second access step (S21) for requesting input of a phone number, password, and processing number, and the phone number and password inputted in the second access step (S21) are the client server 102 and the host server. When input to any one of the 101 (101) is transmitted to the host server 101, the host server 101 transmits the customer information to the mobile phone provider 104, the second identity for requesting confirmation of the customer identity and billing information Identification step (S22), and the identity verification result transmitted from the mobile phone operator 104 by the second identification step (S22) to the identification of the identity by transmitting to any one of the host server 101 and the client server (102) Customer information for members who are not A first cancellation product selection request step (S23) for requesting a re-entry of the user and requesting the member whose identity is confirmed to display a purchase product recorded in the customer management DB 103 to select a product to cancel the order; Second information update step (S24) to update the customer management DB (103) by transmitting the canceled product information input in the first cancel product selection request step (S23) to any one of the client server 102 and the host server (101) And a first payment amount return request for calculating a total amount of the canceled purchase product among the purchased products of the customer management DB 103 updated in the second information update step S24 and transmitting the calculated amount to the corresponding payment destination to request the payment of the payment. Canceling the first delivery to send the customer management DB 103 updated in step S25 and the second information update step S24 to the server 105 of the delivery center to cancel the delivery of the order canceled product. Acceptance step (S26) and the first delivery cancellation contact means The cancellation processing result received by (S26) may be notified to at least one of sending a text message to the purchaser's mobile phone and sending the displayed message to the server operating the web site to which the purchaser is connected. It is preferable to further include a first cancellation processing result notification step (S27) to enable.

In addition, the first payment return request step (S25), if the payment destination of the billing information sent to the host server 101 is a credit card company, by sending a cancellation amount and the previous approval number to the server of the credit card company to cancel the authorization The first credit card approval cancellation request step (S28) requesting the request, if the payment destination of the billing information sent to the host server 101, the bank, the reverse bank transfer request to reverse the transfer of the cancellation amount to the server of the bank When the first reverse account transfer request step (S29) and the payment destination recorded in the customer management DB 103 of the host server 101 is recorded as a small payment, a small payment is transmitted to the server of the small payment provider. It includes a first small payment cancellation request step (S30) requesting the cancellation of.

In the customer information request step (S1), when a customer selects a product and requests a payment from a financial institution with which the customer transacts, the first finance requesting selection of the financial institution is displayed by displaying a list of financial institutions for payment. When the financial institution is selected in the institution selection request step (S100) and the first financial institution selection request step (S100), the server of the financial institution receives a mobile phone number of the customer and a password of the customer preset to the financial institution. It is preferable to further include a first financial institution payment request step (S101) for requesting the payment approval of the commodity price, and transmits the approval result to the host server.

On the other hand, in one embodiment of the present invention in the electronic commerce using mobile payment, the product registration request step of requesting to register the product information in a predetermined format from the home shopping company registered as a member by accessing the host server 101 (S31), and when the purchaser calls the phone number provided by the home shopping company and orders the goods according to the ARS, the mobile phone provider of the mobile phone with the purchase information is requested by inputting the mobile phone number and the password. ) If the phone order step (S32) to be transmitted to the server, and the customer information sent to the mobile phone operator 104 server in the phone order step (S32) is not authenticated and transmits the authentication cancellation to the purchase customer as a text message; If the authentication is authorized, the mobile phone service provider server 104 transmits the purchase customer's purchase information and billing information (payment and delivery) to the host server 101 to receive it. A second payment approval request step of transmitting the purchase information to a payment destination of the billing information transmitted to the host server 101 by the charging information receiving step S33 and the charging information receiving step S33; (S34) and, when the payment processing information is received from the payment provider in the host server 101 by the second payment approval request step (S34), the purchase result text message according to the payment processing information is transmitted to the mobile phone of the purchase customer. If the payment processing information is received from the payment destination by the second payment approval request step (S35) and the second payment approval request step (S34) to the host server 101, the payment processing information is operated. In the second client notification step (S36) for transmitting to the client server 102 to notify the client of the purchase result and the contents of the payment processing information transmitted in the second payment approval request step (S34) is payment approval informationThe second delivery request step (S37) and the second delivery request step (S37) for the delivery of goods by the delivery center by sending the product information and the delivery address information to the server of the transmission center (S37) A second delivery information transmission step (S38) for receiving the product information from the server 105 of the delivery center to transmit to the client server 102 is achieved by electronic commerce using a mobile payment.

And, the phone ordering step (S32), when the purchaser calls the phone number provided by the home shopping company transmits a selection menu of a predetermined format to the mobile phone of the purchaser, so that the product is ordered according to the selection of the menu It is preferable to further include a menu selection step (S39).

In addition, the telephone order step (S32), it is preferable to further include a second micropayment information request step (S40) for requesting the input of the number of the micropayment provider if the customer wants to make a small payment for the payment of goods. .

And, if the telephone number of the customer entered in the phone ordering step (S32) is a foreign phone number, and transmits the information entered from the server of the domestic mobile phone operator 104 to the server 104a of the corresponding country mobile telephone operator, The foreign mobile phone operator 104a transmits the purchase information to the payment destination of the purchaser's billing information to request the payment approval, and the second overseas payment request step (S41). And a second processing result returning step S42 for returning the payment processing result of the customer.

In addition, the second payment approval request step (S34), if the payment destination of the billing information sent to the host server 101 is a credit card company, the second credit requesting for approval by transmitting the purchase information to the server of the credit card company If the payment destination of the card approval request step (S43) and the billing information sent to the host server 101 is a bank, the second account transfer request step (S44) for requesting an account transfer by sending purchase information to the server of the corresponding bank. And, if the billing information and the number of the small settlement institution is transmitted to the host server 101, the second small settlement request step (S45) for sending a purchase information to the server of the small settlement provider to request a small settlement do.

If the contents of the payment processing information received by the second payment approval request step S34 include a credit card approval number, a transfer payment information, and a small payment permission information, the purchase information is transmitted to the guarantee insurance server. It is preferable to further include a second guarantee insurance policy issuance request step (S46) for requesting issuance of the guarantee insurance policy and receiving the electronic guarantee insurance policy.

In addition, after the purchase customer who has received the purchase completion notice (processing number) by the second purchase result notification step (S35) has elapsed at least a predetermined time, he / she connects to either the host server 101 or the client server 102. When requesting a change of the item receiving address, the third access step (S47) for requesting the input of the telephone number, the password, and the processing number, and the telephone number and the password entered in the third access step (S47) and the client server (102) When input to any one of the host server 101 is transmitted to the host server 101, the host server 101 transmits the customer information to the mobile telephone company 104 to request a third identity verification requesting confirmation of the customer identity In step S48 and the third identity verification step S48, the identity verification result transmitted from the mobile telephone operator 104 is transmitted to one of the host server 101 and the client server 102, thereby identifying the identity. Members who are not The second server receiving request step (S49) and the second item receiving request step (S49) requesting the input, and the member whose identity is confirmed is requested to input the address to be changed, the client server 102 ) And a third information update step (S50) to update the customer management DB (103) by transmitting to any one of the host server 101 and the customer management DB (103) updated by the third information update step (S50). The second delivery address change receiving step (S51) and the second delivery address change receiving step (S51) for transmitting the product information of the) to the server 105 of the delivery center so that the goods can be delivered to the changed address The receipt change processing result may be notified to at least one of sending a text message to the purchaser's mobile phone, and sending the result to the client server 102 operating the website to which the purchaser is connected. It is preferable to further include a second change processing result notification step (S52).

After the purchase customer who has received the purchase completion notice (processing number) by the second purchase result notification step (S35) has elapsed at least a predetermined time, he / she connects to either the host server 101 or the client server 102. When requesting the order cancellation, the fourth access step (S53) for requesting input of a phone number, password, and processing number, and the telephone number and password input in the fourth access step (S53) are performed by the client server 102 and the host server. When input to any one of the (101) is transmitted to the host server 101, the host server 101 transmits the customer information to the mobile telephone company 104 to request the identification of the customer identity and billing information Confirmation step (S54) and the identity verification result transmitted from the mobile phone operator 104 by the fourth identity verification step (S54) to any one of the host server 101 and the client server 102 to verify the identity Customers who are not members A second canceled product selection request step (S55) for requesting a re-enter of the user and requesting the member whose identity is confirmed to display the purchased product recorded in the customer management DB 103 to select a product to cancel the order; Fourth information update step (S56) to update the customer management DB 103 by transmitting the canceled product information input in the second cancel product selection request step (S55) to any one of the client server 102 and the host server (101) And a second payment amount return request for calculating the total amount of the canceled purchase product among the purchased products of the customer management DB 103 updated in the fourth information update step S56 and transmitting the calculated amount to the corresponding payment destination to request the payment of the payment. Canceling the second delivery to send the customer management DB 103 updated by step S57 and the fourth information update step S56 to the server 105 of the delivery center to cancel the delivery of the order canceled product. Reception step (S58), and the second delivery cancellation contact means The cancellation processing result received by (S58) may be notified to at least one of sending the text message to the purchaser's mobile phone and sending the displayed message to the server operating the connected website. It is preferable to further include a second cancellation processing result notification step (S59) to enable.

In addition, when the payment destination of the billing information transmitted to the host server 101 is a credit card company, the second payment return request step (S57) may cancel the authorization by transmitting a cancellation amount and a previous approval number to the server of the credit card company. In the second credit card approval cancellation request step (S60) requesting, and the payment destination of the billing information transmitted to the host server 101, the bank transfers the cancellation amount to the server of the bank to request reverse account transfer. When the second reverse account transfer request step (S61) and the billing information and the number of the micropayment authority are transmitted to the host server 101, a request is made to cancel the micropayment by transmitting a cancellation amount to the server of the micropayment provider. A second micro payment cancellation request step S62 is included.

In addition, in the telephone ordering step (S32), when the customer selects the product and orders, and selects the payment of the financial institution that the customer deals according to the guidance of the automatic answering system (ARS) by broadcasting a list of financial institutions for payment In the second financial institution selection request step (S102) requesting the selection of a financial institution, and when the financial institution is selected in the second financial institution selection request step, the customer's mobile phone number and the customer's password set in the financial institution are inputted. It is preferable to further include a second financial institution payment request step (S103) for requesting the approval of payment of the commodity price by transmitting to the server of the financial institution, and transmitting the approval result to the host server.

Hereinafter, an electronic commerce using the mobile payment of the present invention will be described with reference to FIGS. 1 to 5.

First, a purchasing customer (hereinafter referred to as a customer) connects to any one of a web server provided by the host server 101 and a web server of the client server 102 that operates a myriad of Internet shopping malls as shown in FIG. 2. Search (2) the desired product by the customer.

At this time, the web server performs a customer information request step (S1) of requesting (3) to input customer information by displaying an input window so that the mobile phone number and password of the customer can be input.

In addition, in the embodiment of the present invention, as shown in Figure 2, when a customer who accesses a web server wants to pay using a financial institution with which he or she is trading (50), the financial institution (credit card company, bank, etc.) The first financial institution selection request step (S100) is performed to select a financial institution to settle the payment by displaying a list of), and when the financial institution that the customer deals with is selected, the mobile number and the payment code are selected. The deterioration requires the input of a preset password to the financial institution, that is, a credit card password in the case of a credit card company, or a password set in a bank account in the case of a bank (52), and the inputted information is immediately transmitted to the server of the financial institution. (53) a first financial institution payment request step (S101) is performed to request a payment approval (credit card company) or an account transfer (bank) directly from a server of a corresponding financial institution. The server of the customer has the customer information provided by the customer at the time of card issuance or opening an account, so that the information of the sent customer (mobile phone number) is set as an index key value to retrieve the personal details of the payment requester from the customer DB. Accordingly, a card number or a bank account number and a corresponding password are retrieved, and the received password is compared with the password set by the customer.

Therefore, the server of the financial institution transmits the payment processing result to the host server 101 after payment if the payment is possible by the customer's account or credit card, and if the payment is not possible, the payment processing result including the corresponding reason is returned. What is necessary is just to transmit to the host server 101. FIG.

As a result, since the customer's card number or bank account and password are not exposed at the same time when the online order and payment request are made, even if the user pays with his or her credit card company or bank, there is no fear of hacking and stable payment can be made.

On the other hand, the customer pays the amount of money that can be used in cash by the customer's on-line or off-line transactions such as e-money, cyber-money, point-money, etc. That is, if a small amount of payment is desired (4), the first small payment information request step (S8) is performed to display the input window for inputting the small amount of payment information and to request the input of the small amount of payment information (5), and the customer If you do not want to make this micropayment, the customer's telephone number / password (hereinafter, referred to as customer information) is stored in the customer management DB 103 of the host server 101 (6), and the mobile telephone company to which the customer subscribes ( 104) the billing information request step of requesting to transmit to the host server 101 predetermined information (billing information) necessary for billing, such as the customer's payment information, shipping address information, and personal information of the customer (7). S2) is performed.

In this case, when the telephone number included in the customer information is a foreign phone number, the mobile telephone operator 104 server transfers the transmitted customer information to the server 104 of the overseas mobile telephone company to which the customer is subscribed to move overseas from the customer information. A first overseas payment request step (S9) is performed to request payment of a commodity price to a payment destination included in the billing information of the customer known from the telephone company 104, and by the first overseas payment request step (S9). The payment processing information transmitted from the payment destination is transmitted from the overseas mobile phone provider 104 to the domestic mobile phone provider 104 to be transmitted to the host server 101 so that the first processing result returning step S10 may be performed. It is preferable to do it (not shown).

On the other hand, when the billing information is received by the host server 101 as described above (8), the purchase information ordered by the customer is transmitted to the payment destination included in the billing information (10), and the payment amount included in the purchase information is settled at the payment destination. The first payment approval request step S3 of requesting payment is performed. In the first payment approval request step S3, the billing information transmitted to the host server 101 is the credit card company. If the first credit card approval request step (S11) for requesting payment approval by transmitting the purchase information to the server of the credit card company, and if the payment destination of the billing information is set to direct debit from the bank, the server of the corresponding bank. When the first account transfer request step (S12) for requesting an account transfer by sending the purchase information to the account and the number of the billing source and the micropayment authority of the billing information are simultaneously transmitted, the purchase information is transmitted to the server of the micropayment provider. phrase Claim to the payment to occur by any one of the first micro-payment request step (S13) (8) for requesting a payment of a small product.

On the other hand, if the charging information is not included in the information transmitted from the mobile telephone operator 104 server to the host server 101 (9), the authentication rejection message is transmitted to the client server 102 or the host server 101. Request reentry of customer information.

Here, the purchase information transmitted to the payment address includes the personal information of the customer, and the contract is concluded so that payment can be made according to the transmission of the billing information and the purchase information with each payment address before the electronic commerce is made. To be done.

As described above, when the host server 101 receives the payment processing information from the corresponding payment provider in the first payment approval request step S3 (11), the host server 101 receives the purchase result according to the payment processing information. Sending a text message to the customer's mobile phone (12) performs a first purchase result notification step (S4) that allows the customer to check the purchase results (order number, processing number, etc.) in real time, and at the same time, When the customer is not connected to the online shopping mall provided by the host server 101, the first client notification step S5 of transmitting the payment processing information to the client server 102 to which the customer is connected 13 is performed. In addition, a purchase result display step S14 is performed to display the purchase result so that the connected customer can view the purchase result on the web in real time.

Here, if the payment processing information received from the host server 101 includes any of the credit card authorization number, the transfer payment information of the bank account and the micropayment authorization information (14), the guarantee insurance server Consumers who can occur after return or failure of delivery or other orders due to quality deterioration by performing the first guarantee insurance policy issuance request step (S100) requesting issuance of guarantee insurance policy by sending purchase information to It is desirable to ensure that the disadvantage between the supplier and the supplier can be compensated for each other.

In addition, when the received payment processing information includes payment approval information as described above, the host server 101 transmits information necessary for delivery, such as product information and delivery location information, to the server 105 of the delivery center (16). By performing a first delivery request step (S6) to allow the goods to be shipped from the shipping center, and after the delivery information, etc. by the first delivery request step (S6) the delivery product information from the delivery center The first delivery information transmission step S7 is performed to confirm that the received information is transmitted 17 to the corresponding client server 102 so that the order can be executed.

On the other hand, after the order is concluded and the purchase completion notice (processing number) is received as described above, the host server 101 and the client server 102 are connected to any one of the websites operated by the client to request a change of the destination. In this case, a first connection step (S15) is performed to request a predetermined information input by displaying an input window for inputting a mobile phone number, a password, and a processing number of the customer, and in the first connection step (S15). When the information is input to the client server 102 is transmitted to the host server 101 transmits the customer information to the mobile phone operator 104, and if the information is input to the host server 101 immediately to the mobile phone operator 104 A first identification step S16 is performed to request the identification of the customer by transmitting the information.

When the identification result is transmitted from the mobile telephone company 104 to the host server 101 by the first identification step S16, the client server 102 (host server 101) is connected to the client. The first item receipt request step (S17) is displayed in which an unidentified customer requests re-entry of customer information, and a confirmed customer is displayed an input window for inputting a change of address. Is performed

In addition, the customer receipt information of the customer input in the first article receipt request step (S17) is transmitted to the client server 102 or the host server 101 of the online shopping mall where the initial order is signed customer management DB 103 The first information update step (S18) to be updated is performed, the product information of the updated customer management DB 103 is transmitted to the server 105 of the delivery center to be delivered to the changed address A first change of delivery address receiving step S19 is performed.

In addition, the change processing result of the item receiving address received by the first delivery address change receiving step (S19) is transmitted as a text message to the customer's mobile phone, and the client server 102 that operates the website accessed by the customer. The first change processing result notification step S20 is performed to transmit the processing result to the host server 101 so that the processing result can be displayed.

As described above, after the order is concluded and the purchase completion notice (processing number) is received, the customer may request to cancel the order by accessing one of the websites operated by the host server 101 and the client server 102. In this case, a second access step (S21) for requesting customer information input is performed by displaying an input window for inputting a mobile phone number, a password, and a processing number of the customer, and the client server in the second access step (S21). When the information is input to the host 102, the information is transmitted to the host server 101 to transmit the customer information to the mobile telephone company 104. When the information is input to the host server 101, the customer information is immediately transmitted to the mobile telephone company 104. The second identification step (S22) for transmitting the customer's identification and billing information is performed.

Therefore, when the identity of the customer is confirmed in the identity verification result transmitted from the mobile operator server to the host server 101 by the second identification step (S22), the server is transmitted to the client server 102 to which the customer is connected. In the customer management DB (103) to display the purchased goods to select the ordered goods to cancel, and the member who has not been identified, the first cancellation product selection request step (S23) to request re-entry of customer information is performed do.

If the canceled product information input in the first canceled product selection request step S23 is selected as the canceled product from the client server 102, the canceled product information is transmitted to the host server 101, and the host server 101 is transmitted. In the case where the canceled product is selected, the second information update step (S24) is performed to transmit the canceled product information to the client server 102 to update the customer management DB 103 stored in each server.

Accordingly, the purchased product of the customer management DB 103 updated in the second information update step S24 is finally transmitted to the host server 101, and the host server 101 updates the updated customer management DB 103. The first payment amount return request step (S25) of calculating the total amount of the canceled product of the purchased goods in the billing information and sending it to the billing information of the billing information and requesting the payment of the payment amount from the billing party, the first payment amount return request step ( S25) in the case of a credit card company by searching the payment destination of the billing information transmitted from the mobile phone operator 104 by the second identification step (S22), and transmits the cancellation amount and the previous approval number to the server of the credit card company. The first credit card approval cancellation request step (S28) for requesting the cancellation of authorization, and the first reverse account transfer request step (S29) for requesting reverse account transfer by transmitting a cancellation amount to the server of the bank when the payment destination is a bank. ), And the billing information When the payment destination is recorded in the customer management DB 103 as a small payment separately from the payment destination, the first small payment cancellation request step (S30) of requesting the cancellation of the small payment by transmitting a cancellation amount to the server of the corresponding small payment provider. Either of which is performed.

Therefore, when the order cancellation and payment amount return processing is performed by the first payment amount return request step (S25), the purchased product information of the updated customer management DB 103 is transmitted to the server 105 of the delivery center to cancel the order. Cancels the delivery, and the first delivery cancellation step (S26) is performed so that the goods not canceled are delivered, and the cancellation processing result received by the server 105 of the delivery center is a text message to the customer's mobile phone. Or a first cancellation process result notification step S27 for transmitting the result of the processing to the client server 102 or the host server 101 operating the web site accessed by the customer so that the result can be displayed.

As described above, the present invention establishes a dedicated line separate from the Internet line previously used by netizens between the mobile telephone company 104 and the host server 101 so that data communication can be stably performed. It is desirable to ensure that a more reliable financial settlement is made by avoiding an accident.

Meanwhile, referring to FIG. 6 to FIG. 9, an embodiment of the present invention is as follows.

First, a home shopping company using a mailing method by enclosing a catalog in a home shopping or DM through a TV, radio, or the Internet, accesses a website provided by the host server 101, and then registers for a product. A product registration request step (S31) of requesting information 21 (registration number, price, etc.) to the host server 101 is performed, and the product is sent to the host server 101 by the product registration request step (S31). ), When a purchaser (hereinafter referred to as a customer) watches a catalog or TV home shopping and wants to order a product, he or she calls the phone number provided by the home shopping company, Enter the product number and enter the information, such as quantity, amount, payment method according to the ARS announcements to order the product (22).

Finally, in the ARS guide broadcast, the purchase information and customer information (mobile phone number) described above are requested to the mobile phone operator 104 server corresponding to the inputted mobile phone number by requesting the input of the mobile phone number and password of the customer (23). , The telephone ordering step (S32) of transmitting the password (26) is performed.

On the other hand, if the customer wants to pay using the financial institution that he or she deals with (60), the list of financial institutions is guided by the automatic answering system to allow the customer to select a financial institution to make a payment (61). The first financial institution selection request step (S102) is carried out, and if the financial institution with which the customer deals is selected, the mobile phone number and the password set in advance at the financial institution that pays the payment, that is, the credit card password, In the case of a bank, the user is required to input a password set in the bank account (62), and the inputted information is immediately transmitted to the server of the financial institution (63), so that payment approval (credit card company) or bank transfer ( Bank) request a second financial institution payment request step (S103) is performed, the customer information provided by the customer at the time of card issuance or opening an account on the server of the financial institution that the customer deals with Therefore, by setting the transmitted customer information (mobile phone number) as an index key value, the personal information of the payment requester can be retrieved from the customer DB. Accordingly, the card number or bank account number and the corresponding password are retrieved. If the payment is possible, the payment processing result is transmitted to the host server 101 when the payment is possible, and if the payment is not possible, the payment including the reason is included. The processing result may be transmitted to the host server 101.

Therefore, since the information entered during the telephone order is not exposed at the same time the card number and password of a complete credit card, even if you pay with a credit card, there is no fear of hacking, and stable payment can be made.

On the other hand, the customer pays the amount of money that can be used in cash by the customer's on-line or off-line activities such as e-money, cyber-money, point-money, etc. If a small payment is desired (24), the second small payment information request step (S40) is performed to request an input of the small payment information by displaying an input window for inputting the small payment information.

When the customer's telephone number / password (hereinafter referred to as customer information) inputted as described above is transmitted (26) to the mobile telephone company 104 server to which the customer subscribes together with the purchase information, the mobile telephone company 104 server pays the customer. (27) predetermined information (billing information) necessary for billing, such as information, shipping address information, and personal information of a customer, is transmitted to the host server 101, and the host server 101 receives the billing information and purchase information of the customer ( 27) the charging information receiving step (S33) is performed.

Here, the host server 101 text message to the customer if the customer information received from the mobile telephone provider 104 server is not authenticated from the mobile telephone provider 104 (28) to the customer's mobile phone To the customer so they can reorder.

On the other hand, when the telephone number included in the customer information is a foreign phone number, the mobile telephone operator 104 server transfers the transmitted customer information to the server 104 of the overseas mobile telephone company to which the customer is subscribed to move overseas from the customer information. A second overseas payment request step (S41) is performed in which the overseas mobile phone operator 104 requests payment of a product price to a payment destination included in the billing information of the customer known from the telephone operator 104, and the second overseas Payment processing information transmitted from the payment destination by the payment request step (S41) is transmitted from the foreign mobile phone operator 104 to the domestic mobile phone provider 104 to the second process to be transmitted to the host server 101 It is preferable to allow the result returning step S42 to be performed.

In the phone ordering step (S32), when a user calls a home shopping company's phone according to the customer's mobile phone specification, a menu of a predetermined form is transmitted and displayed on the display window of the mobile phone. It is preferable to allow the menu selection step (S39) to be selectively carried out by the customer's intention (29).

Accordingly, the host server 101 stores the received customer information, the billing information, and the purchase information in the customer management DB (30), and then transmits the purchase information and the billing information to the payment destination of the received billing information and requests the payment approval. (31) performing a second payment approval request step (S34), wherein the second payment approval request step (S34) is performed when the billing information transmitted to the host server 101 is the billing source of the billing information; The second credit card approval request step (S43) for requesting payment approval by sending the purchase information to the server of the credit card company, and when the payment destination of the billing information is set to direct debit from the bank, the purchase is made to the server of the corresponding bank. If the second account transfer request step (S44) for requesting an account transfer by sending the information and the number of the billing source and the micropayment authority number are simultaneously transmitted, the purchase information is transmitted to the server of the micropayment provider. A small payment of Reaching out to occur and the payment of any one of the second micro-payment request step (S45).

As described above, when the payment processing information transmitted from the corresponding payment provider is received by the host server 101 by the second payment approval request step S34, the host server 101 purchases the payment according to the payment processing information. The result of the second purchase result notification step (S35) that allows the customer to check the purchase result (order number, processing number, etc.) in real time by transmitting the result as a text message to the customer's mobile phone 33, and at the same time, A second client notification step (S36) of transmitting payment processing information to a home shopping company (client server 102) selling goods ordered by a customer is performed 34.

Here, if the payment processing information received from the host server 101 includes any one of the credit card approval number, the transfer payment information of the bank account and the micropayment authorization information (35), the guarantee insurance server Consumers who may occur after returning or failing delivery or other orders due to quality deterioration by performing the second guarantee insurance policy issuance step (S46) requesting the issuance of a guarantee insurance policy by sending purchase information to It is desirable to ensure that the disadvantage between the supplier and the supplier can be compensated for each other.

In addition, when the received payment processing information includes payment approval information as described above, the host server 101 transmits information necessary for delivery, such as product information and delivery location information, to the server 105 of the delivery center (37). By performing a second delivery request step (S37) to allow the goods to be shipped in the delivery center, and after the delivery information, etc. by the second delivery request step (S37) the delivery product information from the delivery center A second delivery information transmission step (S38) is performed to confirm (38) whether it has been received and to transmit (39) to the corresponding client server 102 so that the order can be executed.

On the other hand, after the order is concluded as described above to receive the purchase completion notification (processing number), the customer is connected to any one of the websites operated by the host server 101 and the home shopping company (client server 102) When requesting a change in the destination of the goods, a third connection step (S47) is performed to request input of predetermined information by displaying an input window for inputting a mobile phone number, a password, and a processing number of the customer. When the information is input to the client server 102 in the connection step (S47) is transmitted to the host server 101 to transmit the customer information to the mobile telephone company 104, and if the information is input to the host server 101 as soon as the mobile phone The third identification step S48 is performed to request the identification of the customer by transmitting the customer information to the operator 104.

When the identification result is transmitted from the mobile telephone company 104 to the host server 101 by the third identification step S48, the client server 102 (or the host server 101) to which the customer is connected. The second item receipt request step (S49), in which an identity confirmation request is inputted again to the customer whose identity has not been confirmed, and an identification window is displayed on which the identity confirmation customer is inputted. Is performed

In addition, the customer receipt information of the customer input in the second article receipt request step (S49) is transmitted to the client server 102 or the host server 101 of the online shopping mall where the first order is concluded customer management DB 103 The third information update step (S50) to be updated is performed, the product information of the updated customer management DB 103 is transmitted to the server 105 of the delivery center to be delivered to the changed address A second shipping address change step (S51) is performed.

Then, the result of the change processing of the item receiving address received by the second change of delivery address receiving step (S51) is transmitted to the mobile phone of the customer as a text message, and the client server 102 that operates the website connected to the customer. Or a second change processing result notification step S52 for transmitting to the host server 101 so that the processing result can be displayed.

As described above, after the order is concluded and the purchase completion notification (processing number) is received, the customer connects to any one website operated by the host server 101 and the home shopping company (client server 102). When requesting the cancellation of the order, a fourth connection step (S53) is performed to request input of customer information by displaying an input window for inputting a mobile phone number, a password, and a processing number of the customer, and the fourth connection step (S53). When the information is input to the client server 102 in the transmission to the host server 101 transmits the customer information to the mobile telephone company 104, and if the information is input to the host server 101 as soon as the mobile telephone operator 104 A fourth identification step S54 is performed in which the customer information is sent to the client to request the customer identification and billing information.

Therefore, when the identity of the customer is confirmed in the identity verification result transmitted from the mobile operator server to the host server 101 by the fourth identity verification step (S54), the server is transmitted to the client server 102 to which the customer is connected. In the customer management DB (103) to display the purchased product to select the order to cancel the order, and the member who has not confirmed the identity, the second cancellation product selection request step (S55) to request the re-entry of the customer information is performed do.

When the canceled product information input in the second canceled product selection request step S55 is selected in the client server 102, the canceled product information is transmitted to the host server 101, and the host server 101 is transmitted. In the case where the canceled product is selected, a fourth information update step S56 is performed to transmit the canceled product information to the client server 102 to update the customer management DB 103 stored in each server.

Accordingly, the purchased product of the customer management DB 103 updated in the fourth information update step S56 is finally transmitted to the host server 101, and the host server 101 updates the updated customer management DB 103. The second payment amount return request step (S57) of calculating the total amount of the canceled product of the purchased goods in the billing information and sending the payment information to the billing party and requesting the payment of the payment amount from the billing party, the second payment amount return request step ( In step S57, when the credit card company is searched for the billing source of the billing information transmitted from the mobile telephone company 104 by the fourth identity verification step S54, the cancellation amount and the previous approval number are transmitted to the server of the credit card company. Second credit card approval cancellation request step (S60) for requesting the cancellation of authorization, and a second reverse account transfer request step (S61) for requesting reverse account transfer by transmitting a cancellation amount to the server of the bank when the payment destination is a bank. ), And the billing information If the payment destination is recorded in the customer management DB 103 as a small payment separately from the payment destination, the second small payment cancellation request step (S62) of requesting the cancellation of the small payment by transmitting a cancellation amount to the server of the corresponding small payment provider. Either of which is performed.

Therefore, when the order cancellation and payment amount return processing is performed by the second payment amount return request step (S57), the purchased product information of the updated customer management DB 103 is transmitted to the server 105 of the delivery center to cancel the order. Cancels the delivery, and a second delivery cancellation acceptance step (S58) is performed in which the goods not canceled are delivered, and the cancellation processing result received at the server 105 of the delivery center is a text message to the customer's mobile phone. Or a second cancellation processing result notification step S59 for transmitting the result of the processing to the client server 102 or the host server 101 operating the web site accessed by the customer so that the processing result can be displayed.

As described above, the present invention enables a transaction to be made even if the account information or credit card information of the customer, which must be entered in the electronic payment service, is not entered at the time of commerce, thereby completely protecting the customer from hacking which is a vulnerability of the electronic payment service. As a result, it is possible to maintain stable commerce so that the company's reliability can be improved, and the burden of existing financial fees can be minimized by integrating guarantee insurance against risks that may occur in electronic commerce. In this case, when a customer makes a call to a home shopping company, he or she needs to verbally receive and process payment information and shipping information of the buyer while talking to Tele Marketer, thereby eliminating the risk of information theft and fraud. Reach out to small consumers without hiring Are able to fulfill the future is a very good invention is able to achieve improved business productivity effects on labor costs and administrative expenses As a result, production costs and management costs savings it can reduce the overall expenses of TM staff.

Claims (20)

In electronic commerce using mobile payment, When the purchaser who accesses the web site of either the host server 101 or the client server 102 selects and orders a product, the customer information request step (S1) requesting to input the mobile phone number and password of the purchaser. Wow, The customer information and product information input by the purchase customer in the customer information request step (S1) is received from the host server 101 and stored in the customer management DB 103, and then transmitted to the server 104 of the mobile telephone operator. Billing information request step (S2) for requesting the billing information (payment, delivery information) of the purchase customer corresponding to the phone number; When the billing information is received by the billing information request step (S2) to the host server 101, the first payment approval request step of requesting the payment approval by transmitting the purchase information to be paid by the customer to the payment destination recorded in the billing information ( S3), A first result of transmitting / notifying a purchase result text message according to the payment processing information to the mobile phone of the customer when the payment processing information is received from the corresponding payment destination by the first payment request step (S3) in the host server 101; Purchase result notification step (S4), The first client notification to transmit the payment processing information to the client server 102 operating the web site when the payment processing information is received from the corresponding payment destination by the host server 101 by the first payment approval request step (S3). Step S5, If the contents of the payment processing information transmitted in the first payment approval request step (S3) is payment approval information, the product information and the delivery location information are transmitted to the server 105 of the delivery center so that the goods are delivered by the delivery center. First delivery request step (S6), And a first delivery information transmission step S7 for receiving the delivery product information delivered by the first delivery request step S6 from the server 105 of the delivery center and transmitting the received delivery product information to the client server 102. E-commerce using mobile payment characterized by. The method of claim 1, The customer information request step (S1), When the purchase customer wants to make a small payment for the product to be purchased, the electronic commerce using a mobile payment, characterized in that it further comprises a first micro payment information request step (S8) for requesting the number of small payment operators. The method of claim 1, If the customer's phone number entered in the customer information request step (S1) is a foreign phone number, the customer information is transmitted from the server 104 of the domestic mobile phone operator to the server 104 of the corresponding national mobile phone operator, and the foreign move. A first overseas payment request step (S9) in which the telephone service provider 104 transmits the purchase information to the payment destination of the purchase customer billing information and requests a payment approval; And a first processing result returning step (S10) for returning the payment processing result of the payment destination in the first overseas payment request step (S9). The method of claim 1, The first payment approval request step (S3), If the billing address of the billing information transmitted to the host server 101 is a credit card company, the first credit card approval request step (S11) for transmitting the purchase information to the server of the credit card company to request authorization; If the payment destination of the billing information transmitted to the host server 101 is a bank, the first account transfer request step (S12) for requesting an account transfer by sending the purchase information to the server of the bank; If the number of the micropayment authority is entered in the billing information transmitted to the host server 101, the first micropayment request step (S13) for transmitting a purchase information to the server of the micropayment provider to request a micropayment; Electronic commerce using mobile payment, characterized in that. The method of claim 1, If the contents of the payment processing information received by the first payment approval request step (S3) include a credit card approval number, a transfer payment information, and a small payment authorization information, the purchase insurance information is transmitted to the guarantee insurance server to guarantee insurance. E-commerce using a mobile payment further comprises the step of requesting the issuance of securities and receiving the guarantee insurance policy issuance to receive the electronic guarantee insurance policy. According to claim 1, The first payment approval request step (S3), When the payment processing information is transmitted from the payment destination to the host server 101, the purchase result according to the payment processing information is transmitted to the client server 102 operating the web site to which the purchase customer is connected, and the purchase result is transmitted to the client server ( Electronic commerce using mobile payment, characterized in that it further comprises a purchase result display step (S14) to be displayed on the website of 102. The method of claim 1, After the purchase customer who has received the purchase completion notice (processing number) by the first purchase result notification step (S4) has elapsed for at least a predetermined time, he / she connects to one of the host server 101 and the client server 102 to receive the goods receiving address. When requesting a change of the first access step (S15) for requesting the input of the phone number, password, processing number, If the phone number and password input in the first access step (S15) is input to any one of the client server 102 and the host server 101, and transmits to the host server 101, the host server 101 is moved A first identification step (S16) of transmitting the customer information to the telephone service provider 104 and requesting confirmation of the customer's identity; The identification information transmitted from the mobile telephone company 104 by the first identification step (S16) is transmitted to any one of the host server 101 and the client server 102 so that the member who has not been identified can receive the customer information. A first item receipt request step (S17) for requesting re-entry and requesting a member whose identity is confirmed to be changed; First information update step (S18) to update the customer management DB 103 by transmitting the goods receipt information input in the first article receipt request step (S17) to any one of the client server 102 and the host server (101). )Wow, The first delivery address change step of transmitting the product information of the customer management DB (103) updated by the first information update step (S18) to the server 105 of the delivery center so that the product can be delivered to the changed address ( S19), The receiving address change processing result received by the first delivery address change receiving step (S19) is transmitted to the text message of the purchase customer's mobile phone and transmitted to the client server 102 operating the web site to which the customer is connected to display. E-commerce using a mobile payment comprising a first change processing result notification step (S20) to be notified to at least one of the possible to be. The method of claim 1, After the purchase customer who has received the purchase completion notice (processing number) by the first purchase result notification step (S4) has elapsed at least a predetermined time, the client cancels an order by accessing one of the host server 101 and the client server 102. When requesting the second access step (S21) for requesting the input of the phone number, password, processing number, If the telephone number and password input in the second access step (S21) is input to any one of the client server 102 and the host server 101, and transmits to the host server 101, the host server 101 is moved A second identification step (S22) of transmitting the customer information to the telephone service provider 104 and requesting confirmation and billing information of the customer's identity; The identification information transmitted from the mobile telephone company 104 by the second identification step (S22) is transmitted to any one of the host server 101 and the client server 102 so that the member who has not been identified can receive the customer information. A first canceled product selection request step (S23) for requesting re-entry and requesting the member whose identity is confirmed to request the selection of a product to cancel the order by displaying the purchased product recorded in the customer management DB 103; A second information update step of transmitting the canceled product information input in the first canceled product selection request step S23 to any one of the client server 102 and the host server 101 to update the customer management DB 103; S24), The first payment amount return request step (S25) of calculating the total amount of the canceled purchase product among the purchased products of the customer management DB (103) updated in the second information update step (S24) and requesting the payment of the payment amount to be returned to the corresponding payment destination (S25). )Wow, The first delivery cancellation step (S26) for transmitting the customer management DB (103) updated by the second information update step (S24) to the server 105 of the delivery center to cancel the delivery of the goods canceled order; , The cancellation processing result received by the first delivery cancellation acceptance step (S26) is to be transmitted to the purchaser's mobile phone as a text message, and to be transmitted to the server running the web site to which the purchaser is connected to be displayed. E-commerce using a mobile payment comprising a first cancellation processing result notification step (S27) to be notified to at least one of the. The method of claim 8, The first payment return request step (S25), If the payment destination of the billing information transmitted to the host server 101 is a credit card company, the first credit card approval cancellation request step (S28) of requesting the approval cancellation by transmitting a cancellation amount and a transfer approval number to the server of the credit card company. Wow, If the payment destination of the billing information transmitted to the host server 101 is a bank, the first reverse account transfer request step (S29) of transmitting a cancellation amount to the server of the bank to request reverse account transfer; If the payment destination recorded in the customer management DB 103 of the host server 101 is recorded as a small payment, the first small payment cancellation request step of sending a cancellation amount to the server of the small payment provider to request the cancellation of the small payment E-commerce using a mobile payment, characterized in that it comprises (S30). The method of claim 1, In the customer information request step (S1), when a customer selects a product and requests a payment from a financial institution with which the customer deals, the first financial institution selecting the financial institution is displayed by displaying a list of financial institutions for payment. Required step (S100), When the credit card company is selected in the first financial institution selection request step (S100), the mobile phone number of the customer and the password set by the customer are input to the financial institution, and the payment is approved by the server of the financial institution. Requesting, and transmitting the approval result to the host server, the first financial institution payment request step (S101) further comprising an electronic commerce using mobile payment. In electronic commerce using mobile payment, A product registration request step (S31) of requesting to register the product information by a predetermined format from a home shopping company registered as a member by accessing the host server 101; When a purchaser calls a phone number provided by a home shopping company and orders an item according to ARS, the purchaser requests a mobile phone number and a password to be transmitted to the mobile phone operator 104 server of the mobile phone along with the purchase information. Telephone ordering step (S32), If the customer information transmitted to the mobile phone operator 104 server in the phone order step (S32) is not authenticated, the authentication cancellation information is transmitted to the purchase customer as a text message, and if the authentication is authorized, the mobile phone operator 104 server Billing information receiving step (S33) for transmitting the purchase information and billing information (payment, delivery) of the purchase customer to the host server 101, A second payment approval request step S34 for requesting payment approval by transmitting purchase information to the payment destination of the billing information transmitted to the host server 101 by the charging information receiving step S33; When the payment processing information is received from the payment provider in the host server 101 by the second payment approval request step (S34), a second message for transmitting / notifying the purchase result text message according to the payment processing information to the mobile phone of the purchase customer. Purchase result notification step (S35), When the payment processing information is received from the corresponding payment destination in the host server by the second payment approval request step (S34), the payment processing information is transmitted to the client server 102 that operates the home shopping to notify the client of the purchase result. A second client notification step (S36), If the contents of the payment processing information transmitted in the second payment approval request step (S34) is payment approval information, the product information and the delivery address information are transmitted to the server 105 of the delivery center so that the goods are delivered by the delivery center. A second delivery request step (S37), And a second delivery information transmission step S38 for receiving the delivery product information delivered by the second delivery request step S37 from the server 105 of the delivery center and transmitting the received delivery product information to the client server 102. E-commerce using mobile payment characterized by. The method of claim 11, The telephone order step (S32), When the purchaser calls the phone number provided by the home shopping company, the user may further include a menu selection step (S39) for transmitting a selection menu of a predetermined format to the mobile phone of the purchaser and ordering the product according to the selection of the menu. E-commerce using mobile payment characterized by. The method of claim 11, The telephone order step (S32), If the purchase customer wants to pay a small amount of the product payment e-commerce using a mobile payment, characterized in that it further comprises a second small payment information request step (S40) for requesting the input of the number of the small payment provider. The method of claim 11, When the telephone number of the customer entered in the phone order step (S32) is a foreign phone number, the information inputted from the server 104 of the domestic mobile phone operator to the server 104 of the corresponding national mobile phone operator, and transfers the foreign movement The telephone service provider 104 transmits the purchase information to the payment destination of the purchaser's billing information, and requests the payment approval from the second overseas payment step (S41); And a second processing result returning step (S42) for returning the payment processing result of the payment destination in the second overseas payment request step (S41). The method of claim 11, The second payment approval request step (S34), If the payment destination of the billing information transmitted to the host server 101 is a credit card company, the second credit card approval request step (S43) of transmitting the purchase information to the server of the credit card company to request authorization; If the payment destination of the billing information transmitted to the host server 101 is a bank, the second account transfer request step (S44) of requesting a bank transfer by sending the purchase information to the server of the bank; If the billing information and the number of the small payment institution is transmitted to the host server 101, and comprises a second small payment request step (S45) for sending a purchase information to the server of the small payment provider to request a small payment E-commerce using mobile payment. The method of claim 11, If the contents of the payment processing information received by the second payment approval request step (S34) include a credit card approval number, transfer payment information, and micropayment authorization information, the purchase insurance information is transmitted to the guarantee insurance server to guarantee insurance. E-commerce using a mobile payment, characterized in that it further comprises a second guarantee insurance policy issuance request step (S46) for requesting the issue of securities and receiving the electronic guarantee insurance policy. The method of claim 11, After the purchase customer who has received the purchase completion notice (processing number) by the second purchase result notification step (S35) has elapsed at least a predetermined time, the customer receiving destination is connected to one of the host server 101 and the client server 102. Request a change of the third connection step (S47) for requesting the input of the phone number, password, processing number, When the phone number and password input in the third access step (S47) are input to any one of the client server 102 and the host server 101, the phone number and the password are transmitted to the host server 101, and the host server 101 moves. A third identification step (S48) of transmitting the customer information to the telephone company 104 and requesting confirmation of the customer's identity; The identification information transmitted from the mobile phone operator 104 by the third identification step (S48) is transmitted to any one of the host server 101 and the client server 102 so that the member who has not been identified can receive the customer information. A second article receipt request step (S49) for requesting re-entry and requesting a member whose identity is confirmed to be changed; Third information update step (S50) to update the customer management DB 103 by transmitting the goods receipt information input in the second article receipt request step (S49) to any one of the client server 102 and the host server (101) )Wow, The second delivery address change receiving step of transmitting the product information of the customer management DB (103) updated by the third information update step (S50) to the server 105 of the delivery center so that the product can be delivered to the changed address ( S51), The receiving address change processing result received by the second delivery address change receiving step (S51) is to be transmitted to the mobile phone of the purchase customer in a text message, and transmitted to the client server 102 that operates the website connected to the purchase customer. And a second change processing result notification step (S52) to be notified to at least one of those to be displayed. The method of claim 11, After the purchase customer who has received the purchase completion notification (processing number) by the second purchase result notification step (S35) has elapsed at least a predetermined time, the client cancels an order by accessing one of the host server 101 and the client server 102. Request a fourth access step (S53) for inputting a phone number, password, and processing number; If the telephone number and password input in the fourth access step (S53) are input to any one of the client server 102 and the host server 101, the phone number and the password are transmitted to the host server 101, and the host server 101 moves. A fourth identification step (S54) of transmitting the customer information to the telephone service provider 104 and requesting confirmation of the customer's identity and billing information; The identification information transmitted from the mobile telephone operator 104 by the fourth identification step (S54) is transmitted to any one of the host server 101 and the client server 102 so that the member who has not been identified can receive the customer information. A second canceled product selection request step (S55) of requesting re-entry and requesting the member whose identity is confirmed to display the purchased product recorded in the customer management DB 103 to request the selection of the product to cancel the order; A fourth information update step of transmitting the canceled product information input in the second canceled product selection request step S55 to either the client server 102 or the host server 101 to update the customer management DB 103 ( S56), The second payment amount return request step (S57) of calculating the total amount of the canceled purchase product among the purchased products of the customer management DB (103) updated in the fourth information update step (S56) and sending it to the corresponding payment provider to request the payment of the payment amount (S57). )Wow, A second delivery cancellation acceptance step S58 of transmitting the customer management DB 103 updated by the fourth information update step S56 to the server 105 of the delivery center to cancel delivery of the canceled goods; , The cancellation processing result received by the second delivery cancellation acceptance step (S58) is to be transmitted to the mobile phone of the purchase customer as a text message, and to be transmitted to the server operating the website that the purchase customer is connected to be displayed. E-commerce using a mobile payment comprising a second cancellation processing result notification step (S59) to be notified to at least one of the. The method of claim 18, The second payment return request step (S57), If the payment destination of the billing information transmitted to the host server 101 is a credit card company, the second credit card approval cancellation request step (S60) of requesting the cancellation of authorization by transmitting a cancellation amount and a transfer approval number to the server of the credit card company. Wow, If the payment destination of the billing information transmitted to the host server 101 is a bank, the second reverse account transfer request step (S61) of transmitting a cancellation amount to the server of the bank to request reverse account transfer; When the billing information and the number of the micropayment authority are transmitted to the host server 101, a second micropayment cancellation request step (S62) of transmitting a cancellation amount to the server of the micropayment provider and requesting cancellation of the micropayment. Electronic commerce using mobile payment, characterized in that. The method of claim 11, In the above phone order step (S32), after the customer selects the product ordered, if the customer selects the payment of the financial institution that the customer according to the guidance of the automatic response system (ARS) broadcasts the financial institution list for payment by the financial institution A second financial institution selection request step (S102) requesting the selection of; When the financial institution is selected in the second financial institution selection request step, the mobile phone number of the customer and the password of the customer preset in the financial institution are input and transmitted to the server of the financial institution to request payment approval of the product price, and the approval result. E-commerce using a mobile payment further comprises a second financial institution payment request step (S103) requesting to transmit to the host server.