KR20030021421A - Payment system and method using mobile phone - Google Patents

Abstract

PURPOSE: A system and method for a payment using a wireless communication terminal is provided to perform a payment by a credit card and an account transfer through a predetermined authentication process when a payment is requested using a wireless communication terminal with respect to a commodity purchase or contents utilization. CONSTITUTION: A member store server(30) supplies commodity information or contents to a user terminal(10) using a wireless Internet. In the case that the user terminal(10) purchases a commodity from the member store server(30) or requests a payment using contents, a connection server is connected to the user terminal(10) through the medium of a wireless communication network(20) directly, and transmits/receives data and a job request related to a payment. In a job request is received from the member store server(30) and the connection server, a payment server transmits/receives corresponding data and job request. A gateway executes an intermediation for making the payment server be interlocked with an external system such as a credit card company(60) and a bank(70) and process a necessary job. A web server processes a related job for making a member registration possible through the user terminal(10) or the Internet. A member DB is interlocked with a registration server and the payment server and stores a user identification, a system identification, payment information, and delivery information. A general payment system comprises the connection server, the payment server, the gateway, the web server, and the member DB.

Description

Payment system and method using a wireless communication terminal {Payment system and method using mobile phone}

The present invention relates to a payment system and method using a wireless communication terminal, and more particularly, a user who is a buyer for commerce at an online and offline merchant stores a payment in the form of card payment or bank transfer using a wireless communication terminal. The present invention relates to a system and a method for requesting and allowing a credit card company or a bank to transfer a payment approval result to a merchant and a buyer to establish a transaction.

With the rapid development of the Internet and wireless communication technologies in each area, the current situation is that a large number of interconnected forms of wireless Internet services are provided due to the convenience and efficiency of using each service provided separately. to be.

One of several systems and methods for payment for content use and purchase of goods through wired Internet service is to provide a payment service in the form of a charge added to a communication fee, which is operated in an online service through the Internet. Due to their commonalities, they can be used in wireless Internet services.

However, the above-described method is inconvenient in that the time point at which the user uses the service and the point in time of payment are different from each other, so that the service usage history and the price should be separately checked in the payment step.

On the other hand, in the case of conventional payment by offline commerce, cash payment and card payment were inconvenient for cash and card possession, and payment by bank transfer is limited by time constraints and repeated button input for a large number of data. There was discomfort.

In addition, as a remedy for this, a transaction is made in the form of a direct transaction offline and a payment is made in the form of an electronic payment through a communication terminal. However, the request for payment and the result of payment approval are made by either the service user or the provider. As a result, there was a problem that anxiety in the leakage of personal information and transaction safety existed.

As a result, there is a need for a system and method for supporting secure commerce by paying easily in the online / offline commerce in the payment of payments by the service user without burden of cash and card, and by confirming the payment approval result by the service provider. there was.

The present invention has been made in view of the above-mentioned matters, and when a payment request is made using a wireless communication terminal for product purchase or content use by receiving and storing detailed data necessary for card payment and bank transfer from the wireless communication terminal once It is an object of the present invention to provide a system and method for payment by credit card and bank transfer through the authentication process.

In addition, before the payment approval results from the credit card companies or banks, etc. to the user side before delivery to the merchant side to obtain a final approval by the merchant to ensure that it is possible to support secure commerce.

1 is a block diagram showing an embodiment of a system configuration according to the present invention;

2 is a block diagram showing an embodiment of a comprehensive payment system configuration according to the present invention;

3 is a view showing the configuration of a member DB according to the present invention,

4 is a flowchart showing one embodiment of a method configuration according to the present invention;

5 is a block diagram showing another embodiment of a system configuration according to the present invention;

6 is a block diagram showing another embodiment of a comprehensive payment system configuration according to the present invention;

7 is a flowchart illustrating another embodiment of the method configuration according to the present invention.

<Brief description of the symbols of the main parts of the drawings>

10 ... user terminal, 20 ... wireless network,

30 ... merchant servers, 31 ... HTRS,

40 ... integrated payment system, 41 ... connection server,

42 router, 43 payment server,

44 gateway, 45 web server,

46 member DB, 47 SMS server,

50 ... VAN, 60 ... Credit Card,

70 banks, 80 merchant terminals.

In order to achieve the above object, the present invention provides a payment system using a wireless communication terminal in a wireless communication environment in which a user terminal which is a wireless communication terminal, a financial institution such as a credit card company or a bank, a VAN, and a wireless communication network are connected. The merchant server providing product information or content to the user terminal using the wireless Internet, and when the user terminal purchases a product from the merchant server or requests payment using the content through the wireless communication network A connection server that is directly connected to the user terminal and transmits and receives data and work requests related to payment; and a payment server that transmits and receives data and work requests and performs related work when receiving a work request from the affiliated server and the connection server. The payment server is the credit card A gateway for interworking with external systems such as a company and a bank to handle necessary tasks, a web server for performing related tasks so that membership can be registered through the user terminal or the Internet, interworking with the registration server and the payment server And a comprehensive payment system having a member DB storing user identification information, system identification information, payment information, and delivery information.

The present invention provides a wireless communication terminal on a payment system including a wireless communication network, a user terminal as a wireless communication terminal, a merchant server as a wireless Internet service provider, a comprehensive payment system as a means for receiving and processing a payment request, and a financial institution. In the payment method used, characterized in that it comprises the steps of the user terminal accessing the merchant server to initiate a transaction, the user terminal requesting the payment for the establishment of the transaction and the step of establishing the transaction through payment approval do.

In the method, the user terminal in the step of connecting to the merchant server to initiate a transaction, the transaction is characterized in that the content related to the purchase of goods or the use of content.

In the above method, the request for payment for establishing a transaction may include: receiving a payment request from a user terminal at a merchant server side, receiving a payment request from a merchant server side at a comprehensive payment system, The payment system side provides a payment page in a certain form to the user terminal side, the comprehensive payment system side receives the payment password entered by the user terminal through the payment page and the terminal identification value transmitted by the wireless communication network And authenticating the terminal and the user by comparing the payment password and the terminal identification value received by the comprehensive payment system to the stored data, and the payment means and delivery input by the comprehensive payment system from the user terminal. The step of receiving the information and the payment method And the second comprising the step of requesting the payment authorization to credit card company or bank to another feature.

In addition, in the method, the transaction is established through the payment approval, the step of receiving a payment approval result from the credit card company or the bank, the comprehensive payment system side, the comprehensive payment system side the payment approval result to the merchant server side Transmitting the payment approval result to the user terminal side, and confirming the payment approval result to the user terminal side, and confirming the payment approval result to the user terminal side. It is another feature to have a step established.

Meanwhile, the present invention provides a payment system using a wireless communication terminal in a wireless communication environment in which a user terminal which is a wireless communication terminal, a financial institution such as a credit card company and a bank, a VAN, and a wireless communication network are connected. A merchant terminal, which is a means for receiving a payment approval result for establishing a transaction, and an SMS server for transmitting and receiving data and work requests to the user terminal via the wireless communication system, and a related work when receiving a work request from the SMS server. A payment server for performing a transaction, a gateway for interfacing the payment server with external systems such as a credit card company and a bank, and a web server for performing operations related to member registration through the user terminal or the Internet; And, in conjunction with the registration server, user identification information and system Another aspect of the present invention includes a comprehensive payment system having a member DB that stores identification information, payment information, and delivery information.

In the above system, the affiliated store terminal may be a wireless card reader or a PDA.

On the other hand, the present invention provides a wireless communication system comprising a wireless communication network, a user terminal serving as a wireless communication terminal, an affiliated store terminal serving as an off-line service provider, a comprehensive payment system serving as a payment request receiving and processing means, and a financial institution. A payment method using a terminal, comprising: a step in which a user terminal, which initiates a transaction, accesses a wireless communication network, and a comprehensive payment system transmits a payment password, a merchant ID and a payment amount and a payment amount input and transmitted from the user terminal; Receiving the received terminal identification value, comparing the payment password and the terminal identification value transmitted by the comprehensive payment system with the stored data to authenticate the terminal and the user, and receiving the received merchant ID and the stored data. Comparing the step of authenticating the merchant and the comprehensive payment system Receiving payment means and delivery information input and transmitted from the user terminal, requesting payment approval to a credit card company or a bank based on the payment method received by the comprehensive payment system, and receiving the approval result; A step in which the comprehensive payment system side transmits the payment approval result and receives it at the merchant terminal side, a step in which the merchant terminal side confirms receipt of the payment approval result at the comprehensive payment system side, and the comprehensive payment system side at the user terminal side Transmitting the final approval result of the user terminal and receiving the payment approval result is displayed on the user terminal side, characterized in that it comprises the step of establishing a transaction.

In the above method, the merchant terminal is another wireless card reader or PDA.

EMBODIMENT OF THE INVENTION Hereinafter, the Example by this invention is described in detail with reference to an accompanying drawing.

FIG. 1 is an overall block diagram showing an embodiment of a system configuration according to the present invention. As shown in FIG. 1, the system according to the present invention uses a wireless communication network 20 and a wired communication network (not shown), in particular, the Internet. Are connected to each other.

The user terminal 10 is a communication terminal capable of wireless internet, and a user may access the wireless internet through the user terminal 10 to register a member, purchase a product, use content, and request a payment.

The wireless communication network 20 is a known system that enables the user terminal 10 to use various wireless communication services including a wireless Internet service. The wireless communication network 20 includes a base station, an exchange station, and a swap gateway.

Merchant server 30 is a type of server that provides product information or content to the user terminal 10 using a wireless Internet, for example, a swap server, and has a secure communication channel (HTRS) (Hybrid Transaction Relay Server, 31) will be described later A communication channel for security is established between the integrated payment system 40, for example, Secure Socket Layer (SSL), and exchanges events and transactions occurring in the merchant server 30 with the integrated payment system 40. Similar to the user terminal 10, the schedule information associated with the affiliate store including the affiliate store ID is stored in the integrated payment system 40 through a predetermined operation.

Comprehensive payment system 40 is a means for the user terminal 10 to pay for the goods purchased from the merchant server 30 or the content to be provided, shown in detail in FIG.

The VAN 50 is a network connecting the credit card company 60, which is an external system that is approved through inquiry when there is a credit card payment request, and the comprehensive payment system 40, and the bank 70 has a request for bank transfer. External system to approve through inquiry.

2 is a block diagram of an internal configuration of a comprehensive payment system. As shown in the drawing, the connection server 41, the router 42, the payment server 43, the gateway 44, the web server 45 and the member DB ( 46).

When the user terminal 10 requests payment, the connection server 41 is directly connected to the user terminal 10 via the wireless communication network 20 to transmit and receive data and work requests related to payment. do. For example, when the user terminal 10 requests a payment, the connection server 41 receives a payment request from the affiliated store server 30 and sends a payment page in a predetermined form to the user terminal 10 requesting the payment. send.

The router 42 is a means for requesting to process the requested task, and is provided with a daemon which is a background program which is always running, and receives a task request from the affiliated store server 30 and the connection server 41. The request is converted into an appropriate form to request processing of the job, and the processed result is transmitted back to the connection server 41 and the affiliate server 30. At this time, in order to provide a stable service to the merchant server 30 may be configured in multiple forms, or may not be provided in some cases.

The payment server 43 has a business logic and a means for transmitting and receiving data and work requests and processing. The payment server 43 provides a transaction manager, a resource manager, a message service and a database adapter, and multi-server clustering and load balancing. And Fault Tolerant. The payment server 43 recognizes the router 42 as a client.

The gateway 44 is a means for mediating the payment server 43 to process a work in conjunction with an external system. The gateway 44 receives a credit card authorization request or a bank account transfer request from the user terminal 10. If it receives from 43), it transmits to external system.

The web server 45 is a means for performing a related task to enable member registration through the user terminal 10, and enables information change as well as member registration.

The member DB 46 is a means for storing user identification information, system identification information, payment information, and delivery information in cooperation with the web server 45 and the payment server 43, and is illustrated in detail in FIG. 3.

3 illustrates an example of the records constituting the member DB 46, and shows whether the record and each record are mandatory and whether the change is possible. As shown in the figure, the record constituting the member DB 46 includes a name, a social security number, a mobile phone number, a payment password, an e-mail address as user identification information, and a credit card company name 1,2, and a credit card number as payment information. 1, 2, credit card expiration date 1, 2, bank name 1, 2, account number 1, 2, terminal identification value as system identification information, and address as delivery information. In this embodiment, the terminal identification value is expressed by SID. The data other than the SID is data received from the user terminal 10 in the process of registering as a member, and the SID is data received from the wireless communication network 20.

4 is a flowchart illustrating one embodiment of the method according to the present invention. Hereinafter, an embodiment of the method according to the present invention will be described in detail with reference to the flowchart of FIG. 4.

First, the user terminal 10 side registered as a member of the comprehensive payment system 40 side connects to the affiliated store server 30 (S400). Of course, the merchant server 30, that is, the schedule information about the merchant is stored in the comprehensive payment system 40 side.

The user terminal 10 selects a product and / or content provided by the affiliate server 30 through browsing, and requests a payment from the affiliate server 30 to purchase the selected product or receive the content (S410). In this case, the user may select a menu related to the payment request provided by the affiliated server 30 by using a button input method or the like to make a payment request.

The comprehensive payment system 40 receives a payment request from the merchant server 30 that has received a payment request from the user terminal 10 (S420), and provides a payment page to the user terminal 10 (S430). At this time, the connection server 41 receives the payment request from the affiliate server 30 and transmits a payment page having a predetermined form including a predetermined input field, for example, a payment password field, to the user terminal 10.

The comprehensive payment system 40 receives the payment password input and transmitted from the user terminal 10 through the payment page and the terminal identification value transmitted from the wireless communication network 20 (S440), and then receives the received payment. The terminal authenticates the user using the password and the terminal identification value (S450). That is, when the connection server 41 transmits the received payment password and terminal identification value to the router 42, the router 42 transmits the payment server 43 to the payment server 43, so that the payment server 43 finally receives the member DB ( Authentication is made by comparing the data stored in 46). At this time, if the combination of the received data and the combination of the data stored in the member DB 46 is inconsistent, the payment server 43 generates an error message related to the combination and transmits it to the router 42, and the router 42 The error message is provided through the user terminal 10 by the transfer to the connection server 41 and finally sent to the user terminal 10, and the transaction is terminated.

The comprehensive payment system 40 receives the payment means and the delivery information input and transmitted by the user terminal 10 through the wireless communication network 20 (S460). That is, the payment server 43 transmits the payment means and the delivery information, which are the payment information stored in the member DB 46, to the router 42, and the router 42 delivers the connection server 41 to the connection server 41. ) Finally transmits to the user terminal 10, the user terminal 10 selects the desired payment means and delivery information, and the comprehensive payment system 40 receives the selected data as input data.

The comprehensive payment system 40 requests a payment approval to a credit card company 60 or a bank 70 based on the payment method received and receives the payment approval result (S470). At this time, the connection server 41 transfers the payment means data received to the router 42, the router 42 delivers the payment server 43, and the payment server 43 finally delivers the gateway 44. The gateway 44 transmits the received payment method data to the credit card company 60 through the van (VAN) 50 when the payment means data is related to the credit card, and to the corresponding bank 70 when it is related to the transfer of the account. In addition, the gateway 44 receives the result of the payment authorization request from the credit card company 60 or the bank 70 and delivers the result to the payment server 43.

Comprehensive payment system 40 sends a payment approval result to the merchant server 30 to receive a confirmation message for receiving the payment approval result from the merchant server 30 (S480). That is, the payment server 43, which has received the payment approval result from the credit card company 60 or the bank 70, forwards it to the router 42, and the router 42 transmits it to the HTRS 31 of the merchant server 30. do. The merchant server 30 confirms the payment approval result, and the payment server 43 receives the related message from the HTRS 31 through the router 42.

Finally, the user terminal 10 receives the payment approval result, the related contents are displayed, and the transaction is established (S490). This may be transmitted by the comprehensive payment system 40 side, that is, through the payment server 43, the router 42, and the connection server 41 sequentially, or may be transmitted by the affiliated store server 30. FIG.

FIG. 5 is an overall block diagram showing another embodiment of the system configuration according to the present invention. As shown in FIG. 5, the system according to the present invention includes a wireless communication network 20 and a wired communication network (not shown), in particular, the Internet. Are connected to each other through.

The user terminal 10 is a communication terminal capable of transmitting and receiving short messages and wireless internet, and the user accesses the wireless internet to register a member and directly purchases a product or uses a service at an offline affiliated store. Payment request can be made through

The wireless communication network 20 is a well-known system that enables the user terminal 10 to use various wireless communication services including a short message service (SMS) and a wireless Internet service, and includes a base station, an exchange station, and an SMSC (Short Message Service Center). ), Including a swap / SMS gateway.

The affiliated store terminal 80 is a terminal of the affiliated store, which is the final approver for the payment request through the user terminal 10, and the affiliated store that has received the payment approval result may finally approve or reject the transaction. The merchant terminal 80 includes a wireless card reader or a wireless communication terminal such as a cellular phone, PCS phone or PDA. Like the user terminal 10, the schedule information related to the affiliate store including the affiliate store ID is stored in the integrated payment system 40 through a predetermined operation. In the present embodiment, the affiliated store may be in the form of an affiliated store offline. Therefore, the commerce is made of a direct transaction with the affiliate store, not the affiliated store terminal 80, and only a payment related operation, in particular, a final approval and rejection related operation is performed through the electronic transaction through the affiliated store terminal 80.

Comprehensive payment system 40 is a means for the user terminal 10 for the payment for goods purchased at the merchant, etc., the internal configuration shown in detail in FIG.

The VAN 50 is a network that connects the credit card company 60, which is an external system that is approved through an inquiry when there is a credit card payment request, and the comprehensive payment system 40, and the bank 70 has a request for bank transfer. In case it is an external system that approves through inquiry.

6 is a block diagram of an internal configuration of a comprehensive payment system. As shown in the drawing, an SMS server 47, a router 42, a payment server 43, a gateway 44, a web server 45 and a member DB ( 46).

The SMS server 47 is a means for communicating with the user terminal 10 through the wireless communication network 20, when the user terminal 10 requests a payment through the SMS of the wireless communication network 20 The terminal 10 transmits and receives data and work requests related to payment.

The router 42 is a means for requesting to process the requested task. The router 42 includes a daemon which is a background program which is always running, and receives a request when the task request is received from the SMS server 41. It converts the data into forms and requests job processing, and transfers the processed results back to the SMS server 41. On the other hand, the router 42 may not be provided in some cases.

The payment server 43 has a business logic and a means for transmitting and receiving data and work requests and processing. The payment server 43 provides a transaction manager, a resource manager, a message service and a database adapter, and multi-server clustering and load balancing. And Fault Tolerant. The payment server 43 recognizes the router 42 as a client.

The gateway (44) is a means for the payment server 43 to intermediate to process the work in conjunction with an external system, that is, credit card companies 60 and banks 70, credit card payment from the user terminal 10 The request or transfer request is sent to the credit card company 60 or the bank 70 or the like.

The web server 45 is a means for performing a related task to enable member registration through the user terminal 10, and enables information change as well as member registration.

The member DB 46 is a means for storing the user identification information, the system identification information, the payment information, and the delivery information in cooperation with the web server 45 and the payment server 43. Duplicate explanations are omitted.

7 is a flowchart illustrating another embodiment of the method according to the present invention. Hereinafter, an embodiment of the method according to the present invention will be described in detail with reference to the flowchart of FIG.

First, the user terminal 10 registered as a member of the comprehensive payment system 40 side connects to the wireless communication network 20 for a payment request (700). That is, the user pays through the user terminal 10 before the user purchases a product or uses a service at an affiliated store registered as an affiliated store on the integrated payment system 40 side as an affiliate store on the integrated payment system 40 side. The wireless communication network 20 is connected to make a request. The affiliated store will typically be in the form of an offline merchant.

Comprehensive payment system 40 is the user terminal 10 using the SMS of the wireless communication network 20 input and transmitted payment password, merchant ID and payment amount and the terminal identification value transmitted by the wireless communication network 20 Receive (S710).

Comprehensive payment system 40 authenticates the terminal, merchant and user by comparing the payment password and merchant ID received from the user terminal 10 and the terminal identification value received from the wireless communication network 20 with the stored data. (S720). That is, when the SMS server 47 transmits the received payment password, the merchant ID and the terminal identification value to the router 42, the router 42 delivers the payment to the payment server 43, whereby the payment server 43 finally receives the payment. Authenticate by comparing with the stored data. At this time, if authentication fails, the payment server 43 generates an error message related to the router 42 and delivers it to the router 42, the router 42 delivers the SMS server 47, and the SMS server 47 transmits the wireless communication network 20. By finally transmitting to the user terminal 10 through) an error message is displayed on the user terminal 10 and the transaction is terminated.

The comprehensive payment system 40 receives the payment means and delivery information input and transmitted from the user terminal 10 through the SMS of the wireless communication network 20 through the wireless communication network 20 (S730). That is, the payment server 43 delivers payment means and delivery information, which are payment related information stored in the member DB 46, to the router 42, and the router 42 delivers the SMS server 47 to the SMS server 47. When 47 is finally transmitted to the user terminal 10 through the wireless communication network 20, the user terminal 10 selects the desired payment means and delivery information and transmits it via the SMS of the wireless communication network 20 and the comprehensive payment system. 40 receives, as input data, data received through the SMS server 47, the router 42, and the payment server 43.

The comprehensive payment system 40 requests a payment approval from the credit card company 60 or the bank 70 based on the payment method received and receives the payment approval result (S740). At this time, the payment server 43 transfers the payment means data received to the gateway 44. When the received payment means data is a credit card, the gateway 44 passes through a van (VAN) 50 to the corresponding credit card company ( 60), and in the case of bank transfer, transfer to the bank 70. In addition, the gateway 44 receives the result of the payment authorization request from the credit card company 60 or the bank 70 and transmits the result to the payment server 43.

Comprehensive payment system 40 sends a payment approval result to the merchant terminal 80 side (S750), and receives a confirmation message for receiving the payment approval result from the merchant terminal 80 (S760). That is, the payment server 43, which has received the payment approval result from the credit card company 60 or the bank 70 via the gateway 44, forwards it to the router 42, and the router 42 sends the SMS server 47. The SMS server 47 transmits to the affiliated store terminal 80 through the wireless communication network 20. The merchant terminal 80 receives the payment approval result, transmits a confirmation message through the wireless communication network 20, and the payment server 43 receives the related message via the SMS server 47 and the router 42. do. At this time, the merchant terminal 80 may request to cancel the transaction by sending a rejection message instead of a confirmation message for the payment approval result. Comprehensive payment system 40 has been requested to cancel the transaction can cancel the payment authorization by creating a full text of the payment authorization to the credit card company 60 or bank 70 associated with the payment.

Finally, the comprehensive payment system 40 transmits the final approval result of the affiliated store through the wireless communication network 20 to the user terminal 10 side, the related contents are displayed on the user terminal 10 and a transaction is established (S770).

According to the present invention, in the payment system and method using a wireless communication terminal, the service as described above can be requested and approved for card payment and account transfer for the purchase of goods and the use of content, etc. using the wireless communication terminal. In the case of using and paying, there is no burden on the possession of cards and time constraints.

In addition, by receiving and storing detailed data necessary for card payment and account transfer from the wireless communication terminal once, a payment method is easy because only a small amount of data may be input when a payment request is made using the wireless communication terminal for product purchase or content use.

In addition, before passing the payment approval result from the credit card company or the bank to the user side, it is first delivered to the merchant side to secure the commerce by obtaining the final approval by the merchant.

Claims (9)

In a payment system using a wireless communication terminal in a wireless communication environment in which a user terminal that is a wireless communication terminal, a financial institution such as a credit card company or a bank, a VAN, and a wireless communication network are connected, Merchant server for providing product information or content to the user terminal using the wireless Internet; And A connection server that is directly connected to the user terminal through the wireless communication network and sends and receives data and work requests related to payment when the user terminal purchases a product from the affiliate server or requests a payment using contents; , A payment server that transmits and receives corresponding data and work requests when the work request is received from the affiliate server and the connection server, and performs a related work; A gateway through which the payment server interworks with an external system such as a credit card company and a bank to process necessary work; A web server for performing a related task to enable member registration through the user terminal or the Internet; Comprehensive payment system having a member DB that stores the user identification information, system identification information, payment information and delivery information linked to the registration server and the payment server Payment system using a wireless communication terminal comprising a. In a payment method using a wireless communication terminal on a payment system consisting of a wireless communication network, a user terminal as a wireless communication terminal, a merchant server as a wireless Internet service provider, a comprehensive payment system as a means for receiving and processing a payment request, and a financial institution , The user terminal accessing the affiliated server to initiate a transaction; Requesting a payment by a user terminal for establishing a transaction; And Establishing a transaction through payment approval; Payment method using a wireless communication terminal, characterized in that it comprises a. The method of claim 2, In the step of the user terminal connected to the merchant server to initiate a transaction, The transaction is a payment method using a wireless communication terminal, characterized in that the content associated with the purchase or use of content. The method of claim 2, Requesting a payment to establish a transaction Receiving, by the merchant server side, a payment request from a user terminal; Receiving, by the integrated payment system, a payment request from the affiliated server; Providing, by the integrated payment system, a payment page in a predetermined form to the user terminal; Receiving, by the integrated payment system, a payment password input by the user terminal through a payment page and a terminal identification value transmitted by the wireless communication network; Authenticating the terminal and the user by comparing the payment password and the terminal identification value received by the integrated payment system with the stored data; Receiving, by the comprehensive payment system side, payment means and delivery information input from the user terminal side; And Requesting payment authorization from a credit card company or a bank based on the payment method received by the comprehensive payment system Payment method using a wireless communication terminal, characterized in that it comprises a. The method of claim 2, The step of establishing a transaction through the payment approval, Receiving, by the integrated payment system, a payment approval result from a credit card company or a bank; The comprehensive payment system side transmitting the payment approval result to the merchant server side, and the merchant server side confirming receipt of the payment approval result to the comprehensive payment system side; Transmitting, by the integrated payment system, a payment approval result to the user terminal; and The step of establishing a transaction by displaying the payment approval result on the user terminal side Payment method using a wireless communication terminal, characterized in that it comprises a. In a payment system using a wireless communication terminal in a wireless communication environment in which a user terminal that is a wireless communication terminal, a financial institution such as a credit card company and a bank, a VAN, and a wireless communication network are connected, Merchant terminal which is a means for receiving a payment approval result for establishing a transaction with the user; And An SMS server for transmitting and receiving data and work requests to the user terminal through the wireless communication system; A payment server performing a related task when receiving a task request from the SMS server; A gateway through which the payment server interworks with an external system such as a credit card company and a bank to process necessary work; A web server for performing tasks related to member registration through the user terminal or the Internet; Comprehensive payment system having a member DB that stores the user identification information, system identification information, payment information and delivery information linked to the registration server Payment system using a wireless communication terminal comprising a. The method of claim 6, The merchant terminal payment system using a wireless communication terminal, characterized in that the wireless card reader or PDA. A payment method using a wireless communication terminal on a payment system consisting of a wireless communication network, a user terminal that is a wireless communication terminal, an affiliated store terminal that is an off-line service provider, a comprehensive payment system that receives and processes a payment request, and a financial institution. To Accessing a wireless communication network by a user terminal having initiated a transaction; Receiving, by a comprehensive payment system, a payment password, a merchant ID and a payment amount input and transmitted from the user terminal and a terminal identification value transmitted from a wireless communication network; Comprehensive payment system side by comparing the payment password and the terminal identification value transmitted to the stored data to authenticate the terminal and the user, and comparing the transmitted merchant ID and the stored data to authenticate the merchant; Receiving, by the integrated payment system side, payment means and delivery information input and transmitted from the user terminal side; Requesting payment approval from a credit card company or a bank based on the payment method received by the comprehensive payment system, and receiving the approval result; Comprehensive payment system side transmits the payment approval result received by the merchant terminal; Confirming, by the merchant terminal, about receipt of a payment approval result from the comprehensive payment system; The comprehensive payment system side transmitting the final approval result of the affiliated store to the user terminal side and receiving the received result by the user terminal; And The step of establishing a transaction by displaying the payment approval result on the user terminal side Payment method using a wireless communication terminal, characterized in that it comprises a. The method of claim 8, The merchant terminal payment method using a wireless communication terminal, characterized in that the wireless card reader or PDA.