KR20040083817A - Method and apparatus for providing billing services - Google Patents

Abstract

PURPOSE: A method and a device for offering a settlement service are provided to offer a micro-payment settlement service on the offline by using a mobile phone number embedded into an IC chip attachable to a mobile terminal. CONSTITUTION: An RF(Radio Frequency) detector(503) and an infrared detector(505) receive a settlement ID from the mobile terminal(101) by an RFID(Radio Frequency ID) method or an infrared communication method. A key input part receives a settlement price. A storing part stores member shop information. A communication interface(509) communicates information with a settlement server and a mobile communication company through a communication network. A data processor(501) generates/transmits settlement request information including the settlement ID, the settlement price information, and the member shop information to the settlement server or the mobile communication company, and receives the corresponding settlement approval information from the settlement server or the mobile communication company. A printer prints a receipt based on the settlement approval information.

Description

Method and apparatus for providing billing services

The present invention relates to a payment service providing method and apparatus.

As a related art related to the present invention, Patent No. 10-1999-0047921 filed with the Korean Intellectual Property Office on November 01, 1999 and published on June 5, 2001 (name of the invention: price of goods using a mobile communication terminal) Payment method) is found. The prior art relates to a method for payment of goods using a mobile communication terminal, which makes it possible to conveniently pay for the goods transaction without using cash. According to the prior art, the payment method for goods is determined whether or not the price of goods received wirelessly from the goods sales destination communication terminal, according to the determination, the data selling data including the unique identification number of the mobile communication terminal Wirelessly transmitting to the communication terminal, and transmitting the item payment request data including the transaction amount to the item payment server through the mobile communication network, and using the information received by the item seller communication terminal upon receiving the data. Transmitting goods payment request data to a payment server, determining whether or not to approve payment of goods by comparing the goods payment request data received from the mobile communication terminal and the goods seller communication terminal by the goods payment server; Payment upon receipt of payment And transmitting the approval information for approving the to the mobile communication terminal and the merchandise distributor communication terminal.

However, in the conventional technology, since the unique identification number of the mobile communication terminal is stored in a ROM, which is a memory inside the mobile communication terminal, when the user replaces the mobile communication terminal, the conventional technology is no longer changed without the subscriber information. There is a problem that can not use the payment method according to.

SUMMARY OF THE INVENTION An object of the present invention is to provide a method and apparatus capable of providing a small payment service on-line using a mobile phone number embedded in an IC chip detached from a mobile terminal.

In addition, another object of the present invention is to provide a method and apparatus that can provide a small payment service on-line by transmitting the mobile phone number from the mobile terminal to the merchant terminal by applying the RFID method in addition to the infrared communication method.

In addition, another object of the present invention is to provide a small payment service on-line that does not require a separate membership, even a small credit card holder can easily pay the amount due to the purchase of goods or use of the service. It is to provide a method and apparatus that can be.

In addition, another object of the present invention is to provide a method and apparatus capable of providing a small payment service offline without changing the existing mobile terminal and payment infrastructure capable of mobile payment, and does not need to build a separate infrastructure. There is.

1 is a diagram showing a schematic configuration of an entire system for providing a micro payment service offline according to an embodiment of the present invention.

2 is a view schematically showing the internal configuration of a mobile terminal according to an embodiment of the present invention.

3 is a view schematically showing an internal configuration of an IC chip according to an embodiment of the present invention.

4 is a terminal arrangement diagram of an IC chip according to a preferred embodiment of the present invention.

Figure 5a is a schematic diagram showing the internal configuration of a merchant terminal according to an embodiment of the present invention.

Figure 5b is a view showing a schematic appearance of an affiliated store terminal according to an embodiment of the present invention.

Figure 5c is a view showing a schematic appearance of the merchant terminal according to another embodiment of the present invention.

6 is a diagram schematically showing the internal configuration of a payment server or a mobile carrier according to an embodiment of the present invention.

7 is a flowchart illustrating a method for providing a small payment service on-line according to an embodiment of the present invention.

8 illustrates an example of a user interface flow diagram in a mobile terminal according to an embodiment of the present invention.

<Explanation of symbols for the main parts of the drawings>

101... Mobile terminal 103. Merchant Terminal

105... Mobile carrier 107... Payment server

201... Controller 203... IC chip

205... IC chip interface 207... RF Module

209... RF loop antenna 211... Ir module

213... . Ir conversion section 215. Amplifier

217... Diode 219... LCD

221... Communication unit 223... power

225... Memory 227... Key input

501... Data processing unit 503... RF detector

505... . Ir detector 507... Display part

509... Communication interface

According to an aspect of the present invention to achieve the above object, a method for providing a small payment service offline in connection with a mobile terminal possessed by a user terminal affiliated with at least one of a payment server and a mobile carrier through a communication network Receiving a payment identifier from at least one of a radio frequency identification (RFID) method and an infrared communication method from the mobile terminal, wherein the payment identifier is embedded in an IC chip mounted on the mobile terminal. -Receiving a payment amount, extracting merchant information, generating payment request information including at least the payment identifier, the payment amount and the merchant information, and transmitting the payment request information through the communication network; Transmitting to at least one of a server and the mobile carrier And providing payment approval information corresponding to the payment request information from at least one of the payment server and the mobile carrier and outputting a receipt based on the payment approval information. A merchant terminal corresponding to the method may be provided.

In a preferred embodiment, the infrared communication method is one of Infrared Data Association (IrDA) or Infrared Financial Messaging (Infrared Financial Standard). The payment identifier may be at least one of an electronic serial number (ESN) and a mobile identification number (MIN). The mobile communication company may transmit the payment request information to the mobile terminal in the form of SMS.

According to another aspect of the present invention, a method for providing a small payment service offline in a mobile terminal possessed by a user in connection with a merchant terminal coupled with at least one of a payment server and a mobile carrier through a communication network, the small amount from the user Receiving a payment service request, extracting a payment identifier embedded in the IC chip mounted on the mobile terminal in response to the micro payment service request, and using the extracted payment identifier as a radio frequency identification (RFID) scheme and infrared communication Transmitting to the merchant terminal by at least one of the methods, receiving payment approval information from the mobile communication network, and outputting the payment approval information, wherein the merchant terminal receives a payment amount; Extract merchant information, at least the payment formula After generating payment request information including an asterisk, the payment amount and the merchant information, and transmits to at least one of the payment server and the mobile carrier, and corresponding to the payment request information from at least one of the payment server and the mobile communication network After receiving the payment approval information to provide a small payment service on-line, characterized in that for outputting a receipt based on the payment approval information and a mobile terminal performing the method can be provided.

The method may further include receiving an authentication identifier from the user and transferring the authentication identifier to the IC chip, wherein the IC chip performs an authentication process based on the authentication identifier. In addition, the payment approval information is characterized in that the SMS form.

According to another aspect of the present invention, a method for providing a small-scale payment service offline by using a mobile terminal possessed by a user in a payment server coupled with at least one merchant terminal and a mobile carrier through a communication network, the merchant terminal Receiving payment request information from the mobile device, wherein the payment request information includes a payment identifier, an input payment amount and extracted merchant information from the mobile terminal, and the payment identifier is embedded in an IC chip mounted on the mobile terminal. In this case, the method is transmitted to the affiliated store terminal by at least one of a radio frequency identification (RFID) scheme and an infrared communication scheme. The method further comprises: transmitting the payment request information to the mobile communication company, and the payment request information from the mobile communication company. Receiving payment authorization information corresponding to And transmitting the payment approval information to the affiliated store terminal, wherein the affiliated store terminal outputs a receipt based on the payment approval information and a payment for performing the method. You can provide a server.

According to another aspect of the present invention, a method for providing a small-scale payment service offline by using a mobile terminal possessed by a user in a mobile carrier coupled with at least one merchant terminal and a payment server through a communication network, the payment server Receiving payment request information from the merchant terminal, wherein the payment request information transmitted from the merchant terminal includes a payment identifier, an input payment amount and extracted merchant information from the mobile terminal, and the payment identifier is transmitted to the mobile terminal. Embedded in the mounted IC chip, which is delivered to the affiliated store terminal by at least one of a radio frequency identification (RFID) method and an infrared communication method; determining whether to approve based on the payment request information; If the determination result is valid, generating payment approval information. And transmitting the generated payment approval information to at least one of the payment server and the affiliated store terminal and transmitting the payment approval information to the mobile terminal in an SMS form, wherein the affiliated store terminal stores the payment approval information. It is possible to provide a method for providing a small payment service on-line and a mobile carrier for performing the method, characterized in that the receipt is output based on the basis.

Next, preferred embodiments of the present invention will be described in detail with reference to the accompanying drawings.

1 is a view showing a schematic configuration of an entire system for providing a micro payment service offline in accordance with a preferred embodiment of the present invention.

Referring to FIG. 1, an affiliated store terminal 103 may be configured to use a radio frequency identification (RFID) scheme or an infrared communication scheme (Infrared Data Association (IrDA) standard) or an infrared financial messaging (IrFM) with a mobile terminal 101. Infrared communication standard for financial settlement)), and is directly connected to the mobile communication company 105 via the payment server 107 through a communication network (especially, a dedicated line for credit card payment). Referring to the configuration as shown in FIG. 1, a method of providing a small payment service in offline according to an exemplary embodiment of the present invention will be described as follows.

A mobile communication subscriber (hereinafter, referred to as a user) uses a micro payment service from a hot key or a plurality of menus of his or her mobile terminal 101 for payment according to purchase of a specific product or use of a specific service at a merchant. You can choose to request a small payment. The mobile terminal 101 requests the user to input an authentication identifier (for example, a PIN) through execution of an internal authentication program. When a user inputs an authentication identifier, the mobile terminal 101 performs a certain authentication procedure using the input authentication identifier, and then extracts a payment identifier (eg, a mobile phone number) from an IC chip coupled therein. The mobile terminal 101 transmits the extracted payment identifier to a merchant authorization terminal (CAT) 103 provided at the affiliate store using an RFID method or an infrared communication method. The merchant terminal 103 generates payment request information including the received payment identifier, the payment amount by the employee's key input, and the extracted merchant information, and then through the payment server 107 or the direct mobile carrier 105 To send. The mobile operator uses the payment request information to generate payment approval information through a customer authentication procedure, a check of a small payment limit, and the like. Thereafter, the mobile communication company 105 transmits the generated payment approval information via the payment server 107 or directly to the affiliated store terminal 103, and notifies the mobile terminal 101 of the payment approval information in the form of SMS. Merchant terminal 103 outputs a receipt based on the payment approval information received. In order to settle the payment amount, a payment server (especially a VAN company) or a mobile communication company, in connection with a related financial institution, settles the payment price at the affiliated store, and stores and setstles the payment amount from the user.

2 is a diagram schematically showing an internal configuration of a mobile terminal according to an embodiment of the present invention.

Referring to FIG. 2, the mobile terminal 101 further includes an RF module, an Ir module, and an IC chip in a general mobile communication terminal including the controller 201, the LCD 219, and the like. That is, the mobile terminal 101 is a controller 201, a key input unit 227, a memory 225, an LCD 219, which controls the overall functions such as mobile communication of the mobile terminal 101, like a conventional mobile phone, RF module 207 and RF loop antenna 209 for applying the communication unit 221, the power supply 223 and the RFID scheme, Ir module 211 for applying the infrared communication scheme, according to a preferred embodiment of the present invention IC chip 203 that stores payment identifiers (especially cell phone numbers) and IC chip interface 205 for connection with IC chip 203. Since the key input unit 227, the memory 225, the LCD 219, the communication unit 221, the power supply 223, and the like are general configurations, detailed description thereof will be omitted.

The RF loop antenna 209 activates the RF module 207 by generating induced electromotive force when the mobile terminal 101 approaches an affiliated store terminal of the affiliated store. Preferably, the RF loop antenna 209 may be embedded in a folder top plate or a battery that can receive the electromagnetic wave blocking action of the mobile terminal 101 to a minimum. The RF module 207 is activated by the induced electromotive force generated by the RF loop antenna 209 when the mobile terminal 101 contacts (contacts) or nearsight (contactless) the merchant terminal. It performs the role of transmitting and receiving data necessary for the processing of the micropayment service offline in accordance with a preferred embodiment of the present invention between the terminal 101 and the merchant terminal.

The Ir module 211 transmits and receives data necessary for processing a small payment service in an offline manner according to an exemplary embodiment of the present invention by an infrared communication method, and includes an Ir converter 213 and an amplifier 215. And a diode 217. IrDA (Infrared Data Association) and IrFM (Infrared Financial Messaging) may be applied as an infrared communication method according to a preferred embodiment of the present invention. The Ir converter 213 converts data (for example, payment request information) necessary for processing the micro payment service to be applied to the infrared communication method. The data converted by the Ir converter 213 is amplified by the amplifier 215 and then radiated by the diode 217 to the wavelength of the infrared region.

The IC chip 203 stores a payment identifier (especially a mobile phone number) required for a micro payment processing service according to a preferred embodiment of the present invention. After performing a certain authentication procedure, the IC chip 205 stores the payment identifier. Through the transmission to the controller (CPU) 201 of the mobile terminal. The IC chip 203 may be configured to be detachably mounted to the mobile terminal 101. By such a configuration, when the model of the mobile terminal is changed, only the IC chip 203 is transferred and mounted, so that the small payment service on the offline according to the present invention can be provided. The structure and terminal arrangement of the IC chip 203 will be described in detail with reference to FIGS. 3 and 4.

3 is a diagram schematically illustrating an internal configuration of an IC chip according to an exemplary embodiment of the present invention. 4 is a terminal arrangement diagram of an IC chip according to an exemplary embodiment of the present invention.

Referring to FIGS. 3 and 4, the IC chip 203 may include a CPU 301, an input / output unit 303, and a mail storage unit 307 that control the entire IC chip 203 in accordance with the system control logic 305. , ROM, EEPROM), common storage 309, access matrix 311, wired I / F, and logic 313. The IC chip 203 has a total of eight terminals of C8 of the terminal side C1 to C8. C1 terminal is power supply terminal, C2 terminal is initialization input terminal, C3 terminal is clock terminal, C4 terminal is unused spare terminal, C5 terminal is ground terminal, C6 terminal is program voltage terminal, C7 terminal is serial data input / output terminal, C8 The terminal is an unused spare terminal. The IC chip 203 may update (record, delete, store, etc.) data through an external device (particularly, a merchant terminal) by contactless (RF) by connecting an RF loop antenna to the C4 and C8 terminals (spare terminals). . In addition, the IC chip 203 can update data through the controller (CPU) of the mobile terminal by connecting the remaining six terminals to the circuit of the mobile terminal.

5A is a diagram schematically illustrating an internal configuration of an affiliated store terminal according to an exemplary embodiment of the present invention.

Referring to FIG. 5A, when an affiliated terminal 103 approaches or contacts a mobile terminal 101 according to the present invention, the affiliated terminal 103 detects an Ir detected by an RF communication unit 503 or an infrared communication method. And a new data (particularly, a payment identifier, etc.) based on data from the mobile terminal 101 recognized by the RF sensing unit 503 or the Ir sensing unit 505 (e.g., a payment identifier). In particular, the data processing unit 501 for generating payment request information) and the data (especially, payment request information) generated from the data processing unit 501 are transmitted to a payment server or a mobile carrier through a communication network, and from the payment server or the mobile carrier. The manager or employee of the affiliated store may recognize the communication interface unit 509 that receives certain data (especially payment approval information) and delivers the data to the data processing unit, and predetermined information and a process. And a display unit 507 for outputting.

When a user requests the payment according to the purchase of a specific product or the use of a specific service by accessing or contacting the mobile terminal 101 owned by the merchant terminal 103, the mobile terminal 101 is connected to an internal IC chip. After extracting the embedded payment identifier (particularly, mobile phone number), it is transmitted to the merchant terminal 103 through the RF module according to the RFID method or through the Ir module according to the infrared communication method. The affiliated store terminal recognizes a payment identifier (particularly, a mobile phone number) transmitted from the mobile terminal 101 through the RF detector 503 based on the RFID scheme or the Ir detector 505 based on the infrared communication scheme. Thereafter, the manager or employee of the affiliated store inputs a payment amount through a key input unit (not shown) attached to the affiliated store terminal 103. The data processing unit 501 of the affiliated store terminal 103 extracts the affiliated store information from the internal memory, and then generates payment request information including the payment identifier (particularly, a mobile phone number), the payment amount, and the affiliated store information. Thereafter, the affiliated store terminal 103 transmits the generated payment request information through the payment server through the communication interface 509 or directly to the mobile communication company. When payment according to the payment request information is normally approved, the affiliated store terminal 103 receives the payment approval information corresponding to the payment request information directly from the mobile carrier or through the payment server through the communication interface 509. This is output through the display unit 507. Thereafter, the merchant terminal 103 prints a receipt based on payment approval information, and the printed receipt is provided to the user.

Figure 5b is a view showing a schematic appearance of an affiliated store terminal according to an embodiment of the present invention.

Referring to FIG. 5B, the affiliated store terminal 103 is connected to an RF detector 503 or an Ir detector 505 through a signal line, and includes an LCD display unit and a key input unit having a plurality of keys. Can be configured. The merchant terminal 103 as described above may be used in a general offline store.

Figure 5c is a view showing a schematic appearance of an affiliated store terminal according to another embodiment of the present invention.

Referring to FIG. 5C, the affiliated store terminal 101 may be applied to subways, amusement parks, fairs, and the like, which require ticketing. The user may request a payment for ticketing by accessing or contacting the mobile terminal possessed by the merchant terminal 101 installed in the subway entrance or the like. This payment method will be convenient for the user, for example, because it does not require a separate membership as a credit card member, compared to the conventional payment method using a transportation card.

6 is a diagram schematically showing an internal configuration of a payment server or a mobile communication company according to an embodiment of the present invention.

Referring to FIG. 6, the payment server 105 or the mobile telecommunication company 107 communicates with the mobile terminal 101 or the merchant terminal 103 through a communication network 603, a user or a merchant that transmits and receives predetermined data through a communication network. The authentication information input through the communication interface unit 603 from the authentication information database 607, the mobile terminal 101, or the merchant terminal 103, which stores authentication information for authentication, is compared with the authentication information extracted from the authentication information database. By controlling the security authentication processing unit 605, subscriber information database 609, payment information database 611, merchant information database 613 and each of the above components to authenticate the user or merchant by doing so, the preferred embodiment of the present invention The control unit 601 performs a process for providing a small payment service on-line according to an example. The subscriber information database 609 is a database that stores personal information of a user who is a subscriber of a mobile communication service using a mobile terminal. The payment information database 611 is a database that stores various types of commerce information according to a micro payment service such as a transaction history of a user. In addition, the affiliated store information database 613 is a database that stores affiliated store information including an affiliated store identifier, a business status, and the like.

In response to a user's payment request, the merchant terminal 103 sends payment request information including a payment identifier (particularly, a mobile phone number), a payment amount, and merchant information embedded in an IC chip mounted on the mobile terminal 101. 105) or to the mobile carrier 107. The mobile service provider 107 determines whether the payment is approved through a process such as a customer authentication procedure, a small payment limit check, and the like based on the payment request information received directly from the merchant terminal 103 or via the payment server 105. If it is valid, after generating payment approval information, it is transmitted through the payment server 105 or directly to the merchant terminal 103. In addition, the mobile communication company 107 notifies the mobile terminal 101 of the payment approval information in the form of SMS. Thereafter, the settlement server 105 or the mobile communication company 107 first settles the settlement amount with respect to the affiliated store in connection with the financial company, stores the settlement amount from the user, and finally calculates a fee or the like.

7 is a flowchart illustrating a method for providing a small payment service offline according to an embodiment of the present invention.

Referring to FIG. 7, the mobile terminal performs an authentication procedure for authenticity of a user (step 701). In step 701, when the user requests an offline micropayment service according to the present invention by selecting a hot key or menu provided in the mobile terminal, the mobile terminal may display an authentication identifier (e.g., a PIN) on the LCD provided therein. Outputs the authentication identifier input window where you can enter). The user inputs an authentication identifier (in particular, a PIN) using a key input unit provided in the mobile terminal in the output authentication identifier input window. Thereafter, the mobile terminal transmits the authentication identifier (especially the PIN) input by the user to the IC chip mounted therein. The IC chip authenticates the user based on the received authentication identifier (especially, PIN), and if the authentication result is valid, the IC chip performs step 703.

In step 703, the IC chip mounted on the mobile terminal extracts the embedded payment identifier and transfers it to the mobile terminal. The mobile terminal transmits the payment identifier to the affiliated store terminal through the RF module based on the RFID scheme or the Ir module based on the infrared communication scheme, as the user approaches or contacts the mobile terminal. The payment identifier may be an electronic serial number (ESN) or a mobile identification number (MIN) that is a unique number of the mobile terminal. The affiliated store terminal receives the payment identifier through the RF detector based on the RFID scheme or the Ir detector based on the infrared communication scheme. The affiliated store terminal receives a payment amount input using a key input unit from a manager or employee of the affiliated store (step 707). In addition, the affiliated store terminal extracts affiliated store information including information on an affiliated store identifier, business status, and the like stored in the internal memory (step 709). Thereafter, the affiliated store terminal generates payment request information including a payment identifier received from the mobile terminal, a keyed payment amount, and extracted merchant information (step 711). Thereafter, the affiliated store terminal transmits the generated payment request information to a payment server or a mobile communication company through a communication network (particularly, a dedicated line) (step 713).

The payment server transmits payment request information received from the affiliated store terminal to the mobile communication company through the communication network (step 715). The payment server is preferably a device for small payments of VAN company or mobile phone payment company. After receiving the payment request information, the mobile operator determines whether the payment request is valid by performing a customer authentication procedure (step 717) and checking a small payment limit (step 719). If it is determined that the payment request is valid, the mobile carrier generates payment approval information (step 721) and then transmits it to the payment server (step 723). The payment server retransmits the received payment approval information to the affiliated store terminal (step 725). The merchant terminal prints a receipt using a printer provided therein based on the received payment approval information. The printed receipt is delivered to the user who is the mobile terminal holder. In addition, the mobile communication company converts the payment approval information into an SMS form and transmits it to the mobile terminal (step 727). The mobile terminal can check payment approval information in the form of SMS. In order to settle the payment amount, the VAN company or the mobile carrier related to the payment server, in connection with the financial company, settles the payment amount deducting a certain fee for the merchant in real time or every fixed period. Thereafter, the mobile carrier receives the small payment amount charged to the user, and then settles the amount deducting a certain fee to the VAN company or the mobile phone payment company.

8 is a diagram illustrating an example of a user interface flow diagram in a mobile terminal according to an embodiment of the present invention.

Referring to FIG. 8, the user may select a micro payment item based on the menu screen 801 output on the LCD of the mobile terminal. The mobile terminal outputs, on the LCD, an authentication identifier input screen 803 that requires the input of an authentication identifier (eg, a PIN) to authenticate the user. The user inputs an authentication identifier (eg, a PIN) using a key input unit based on the authentication identifier input screen 803. Thereafter, the mobile terminal transmits the input authentication identifier to the IC chip mounted therein. The IC chip authenticates the user based on the received authentication identifier, and extracts a payment identifier (for example, a mobile phone number) from the memory and transfers it to the mobile terminal when it is determined to be valid. In this case, the mobile terminal outputs a screen 805 displaying the progress of the micro payment through the LCD. The mobile terminal transmits the payment identifier to the affiliated store terminal by the RFID method or the infrared communication method. The affiliated store terminal generates payment request information including a payment identifier, a payment amount, and affiliated store information, and then transmits the generated payment request information via a payment server or directly to a mobile communication company. The mobile carrier determines whether the payment is approved based on the payment request information, and when it is determined to be valid, generates a payment approval information and transmits the payment approval information directly to the mobile communication company through the payment server. In addition, the mobile carrier transmits payment approval information to the mobile terminal in the form of SMS, and reference numeral 807 is an example of payment approval information in the form of SMS.

The present invention is not limited to the above embodiments, and many variations are possible by those skilled in the art within the spirit of the present invention.

According to the present invention, it is possible to provide a method and apparatus capable of providing a small payment service on-line using a mobile phone number embedded in an IC chip detachable from a mobile terminal.

In addition, the present invention can provide a method and apparatus capable of providing a small payment service on-line by transmitting a mobile phone number from a mobile terminal to an affiliated store terminal by applying an RFID scheme in addition to the infrared communication scheme.

In addition, the present invention can provide a small payment service on-line that does not require a separate membership, even a small credit card holder can easily pay the amount according to the purchase of the product or the use of the service. And an apparatus.

In addition, according to the present invention, there is no need to change the existing mobile terminal and payment infrastructure capable of mobile payment, and it is possible to provide a method and apparatus that can provide a small payment service on-line without having to construct a separate infrastructure. .

Claims (13)

Claims [1] A method for providing a small payment service offline by a merchant terminal coupled with at least one of a payment server and a mobile carrier through a communication network in connection with a mobile terminal possessed by a user. Receiving a payment identifier from at least one of a radio frequency identification (RFID) scheme and an infrared communication scheme from the mobile terminal, wherein the payment identifier is embedded in an IC chip mounted to the mobile terminal; Receiving a payment amount; Extracting affiliate store information; Generating payment request information including at least the payment identifier, the payment amount and the merchant information; Transmitting the payment request information to at least one of the payment server and the mobile communication company through the communication network; Receiving payment approval information corresponding to the payment request information from at least one of the payment server and the mobile communication company; And Outputting a receipt based on the payment approval information; Method for providing a small payment service on-line offline. The method of claim 1, The infrared communication method A method of providing a small payment service on-line, characterized in that it is either IrDA (Infrared Data Association) or IrFM (Infrared Financial Messaging). The method of claim 1, The payment identifier is At least one of an electronic serial number (ESN) and a mobile identification number (MIN) Method for providing a small payment service on-line, characterized in that. The method of claim 1, The mobile communication company transmits the payment request information in the form of SMS to the mobile terminal Method for providing a small payment service on-line, characterized in that. In the method of providing a small payment service offline in the mobile terminal possessed by the user in connection with a merchant terminal coupled to at least one of a payment server and a mobile carrier through a communication network, Receiving a small payment service request from the user; Extracting a payment identifier embedded in an IC chip mounted in the mobile terminal in response to the micro payment service request; Transmitting the extracted payment identifier to the affiliated store terminal by at least one of a radio frequency identification (RFID) scheme and an infrared communication scheme; Receiving payment approval information from the mobile communication network; And Outputting the payment approval information Including, The merchant terminal receives a payment amount, extracts merchant information, generates payment request information including at least the payment identifier, the payment amount, and the merchant information, and transmits it to at least one of the payment server and the mobile communication company. And after receiving payment approval information corresponding to the payment request information from at least one of the payment server and the mobile communication network, outputting a receipt based on the payment approval information. Method for providing a small payment service on-line, characterized in that. The method of claim 5, The payment approval information is in the form of SMS Method for providing a small payment service on-line, characterized in that. The method of claim 5, Receiving an authentication identifier from the user; Transferring the authentication identifier to the IC chip Include more, The IC chip performing an authentication process based on the authentication identifier Method for providing a small payment service on-line, characterized in that. In the method of providing a small payment service offline using a mobile terminal possessed by a user in a payment server coupled with at least one merchant terminal and a mobile carrier through a communication network, Receiving payment request information from the affiliated store terminal, wherein the payment request information includes a payment identifier from the mobile terminal, an input payment amount, and extracted merchant information, wherein the payment identifier is an IC installed in the mobile terminal; A chip embedded in a chip and delivered to the affiliated store terminal by at least one of a radio frequency identification (RFID) scheme and an infrared communication scheme; Transmitting the payment request information to the mobile communication company; Receiving payment approval information corresponding to the payment request information from the mobile communication company; And Transmitting the payment approval information to the affiliated store terminal. Including, The merchant terminal outputs a receipt based on the payment approval information Method for providing a small payment service on-line, characterized in that. In the method of providing a small payment service offline using a mobile terminal possessed by a user in a mobile carrier that is coupled to at least one merchant terminal and a payment server through a communication network, Receiving payment request information from the payment server, wherein the payment request information transmitted from the merchant terminal includes a payment identifier from the mobile terminal, an input payment amount and extracted merchant information, and the payment identifier is A built-in IC chip mounted in a mobile terminal, and delivered to the affiliated store terminal by at least one of a radio frequency identification (RFID) scheme and an infrared communication scheme; Determining whether to approve based on the payment request information; If the determination result is valid, generating payment approval information; Transmitting the generated payment approval information to at least one of the payment server and the affiliated store terminal; And Transmitting the payment approval information to the mobile terminal. Including, The merchant terminal outputs a receipt based on the payment approval information Method for providing a small payment service on-line, characterized in that. In the merchant terminal coupled with at least one of the payment server and the mobile carrier through a communication network, in connection with the mobile terminal possessed by the user provides a small payment service offline RF sensing unit and Ir sensing unit for receiving a payment identifier from at least one of a radio frequency identification (RFID) method and an infrared communication method from the mobile terminal, wherein the payment identifier is stored in an IC chip mounted to the mobile terminal. Built-in; A key input unit for receiving a payment amount; A storage unit storing affiliate store information; A communication interface unit for transmitting and receiving information with the payment server and the mobile communication company through a communication network; After the merchant information is extracted, payment request information including at least the payment identifier, the payment amount, and the merchant information is generated, and the payment request information is transmitted to at least one of the payment server and the mobile carrier, and the payment server and A data processor for controlling the communication interface to receive payment approval information corresponding to the payment request information from at least one of the mobile communication companies; And A printer for printing a receipt based on the payment approval information Merchant terminal comprising a. A mobile terminal for providing a small payment service offline to a user in connection with a merchant terminal coupled with at least one of a payment server and a mobile carrier through a communication network, A key input unit for receiving a small payment service request from the user; An IC chip storing a payment identifier; A controller for extracting a payment identifier embedded in an IC chip mounted in the mobile terminal in response to the micro payment service request; An RF module and an Ir module for transmitting the extracted payment identifier to the affiliated store terminal by at least one of a radio frequency identification (RFID) scheme and an infrared communication scheme; A communication unit receiving payment approval information from the mobile communication network; And LCD for outputting the payment approval information Including, The controller controls the key input unit, an IC chip, an RF module, an Ir module, a communication unit, and an LCD, and the merchant terminal receives a payment amount, extracts affiliate information, and at least the payment identifier, the payment amount, and the affiliate store. After generating payment request information including the information, and transmits to at least one of the payment server and the mobile carrier, and receives payment approval information corresponding to the payment request information from at least one of the payment server and the mobile communication network Outputting a receipt based on the payment approval information; Mobile terminal characterized in that. A payment server coupled to at least one affiliated store terminal and a mobile communication company through a communication network, and providing a small payment service offline using a mobile terminal possessed by a user. A memory in which a program is stored; A processor coupled to the memory to execute the program Including, The processor by the program, Receiving payment request information from the affiliated store terminal, wherein the payment request information includes a payment identifier from the mobile terminal, an input payment amount and extracted merchant information, wherein the payment identifier is an IC chip mounted on the mobile terminal; It is embedded in the to be delivered to the merchant terminal by at least one of a radio frequency identification (RFID) method and an infrared communication method-transmitting the payment request information to the mobile communication company, the payment request from the mobile communication company Receiving payment approval information corresponding to the information, and transmits the payment approval information to the merchant terminal, wherein the merchant terminal outputs a receipt based on the payment approval information. A mobile communication service system coupled with at least one affiliated store terminal and a payment server through a communication network, and providing a small payment service offline using a mobile terminal possessed by a user. A memory in which a program is stored; A processor coupled to the memory to execute the program Including, The processor by the program, Receiving payment request information from the payment server, wherein the payment request information transmitted from the merchant terminal includes a payment identifier from the mobile terminal, an input payment amount, and extracted merchant information, wherein the payment identifier is the moving information; It is embedded in the IC chip mounted on the terminal and is delivered to the affiliated store terminal by at least one of a radio frequency identification (RFID) method and an infrared communication method, and determines whether to approve based on the payment request information. If the determination result is valid, generating payment approval information, transmitting the generated payment approval information to at least one of the payment server and the affiliated store terminal, and transmitting the payment approval information to the mobile terminal, wherein the affiliated store terminal transmits the payment approval information. Print a receipt based on payment approval information Mobile communication system.