KR20040084154A - Method of settlement cable and radio for homeshopping and recording media storing computer program for the method - Google Patents

Abstract

PURPOSE: A wire/wireless settlement method for home-shopping and a recording medium storing a computer program for the same are provided to transfer an article price transferred in a bank to a home-shopping company if a customer confirms delivery after receiving an article from a delivery company. CONSTITUTION: After requesting article purchase to the home-shopping company by using a wire/wireless terminal, the customer selects a settlement tool(S1). The home-shopping company transmits order information, customer information, and the reply URL(Uniform Resource Locator) to the first bank through the wire/wireless terminal of the customer(S2). The first bank transmits a certification result to a home-shopping server through the wire/wireless terminal of the customer(S5). The home-shopping company requests settlement to the second bank(S6). The second bank requests the settlement to the first bank(S7). The first bank transfers the article price received from a customer's account to the account of the first bank and transmits a transfer result to the second bank(S9). The second bank transmits the transfer request to the home-shopping company(S10).

Description

METHOD OF SETTLEMENT CABLE AND RADIO FOR HOMESHOPPING AND RECORDING MEDIA STORING COMPUTER PROGRAM FOR THE METHOD}

The present invention relates to a wired / wireless payment method for home shopping and a recording medium storing a computer program for the method. Particularly, when a customer confirms the delivery after receiving an item ordered from a home shopping company from a delivery company, the goods were transferred to a financial institution. The present invention relates to a wired / wireless payment method for home shopping and a recording medium storing a computer program for the method, in which a price is transferred to a home shopping company.

Today, with the development of information technology, the spread of computers and the Internet is rapidly spreading. In recent years, the Internet industry has developed explosively, and many host computers are connected to the Internet every day, and are contributing greatly to making the world a global village.

At the base of this, the contribution of the World Wide Web to the general public is relatively easy to access the Internet by providing multimedia functions and ease of use, as well as a widespread personal computer.

In particular, due to the development of the World Wide Web, the Internet is rapidly being used for commercial use, and electronic commerce can be considered as a representative of the commercial use of the Internet. Here, the electronic commerce refers to a transaction in which all or part of the transaction of goods or services is processed by an electronic method such as electronic document exchange.

E-commerce involves all the entrepreneurs, similar to commerce in the real world. That is, in the simplest case of e-commerce, a virtual mall that provides goods or services, a customer (buyer) who purchases goods or services in a cyber mall, a virtual bank or credit card company engaged in a financial relationship with the goods. Etc. becomes the subject of a transaction in e-commerce.

Among the most active e-commerce, many people visit the shopping malls in the concept of department stores. Implemented, managed faster and with lower deployment costs, is opening up new opportunities

The electronic commerce sector, which is being activated around the electronic shopping mall, has recently spread rapidly to the financial sector such as banks and securities firms, and the map information (or geographic information) by the geographic information system, Various kinds of services such as static electronic advertisements (banner advertisements), internet telephones, internet TVs, and Internet faxes are provided on the Internet, and contribute to the popularization of the Internet and the expansion of the user base.

On the other hand, in the case of a conventional commerce method in which a consumer visits a store directly and purchases a product and a price, it requires time loss and troublesome labor moving to a store for purchasing a product.

However, as described above, due to the rapid development and generalization of the use of Internet technology, home shopping can be easily performed at home using home banking or home shopping using electronic commerce. .

In this way, the purchase of goods by e-commerce can be easily purchased at home without having to go to the store because it is delivered to the buyer after checking and consulting the goods to be purchased or shopping in the cyber space with the naked eye. It is spreading rapidly throughout the economy because it is very convenient to use for those who are older or have difficulty in moving.

The general process of e-commerce is as follows.

First, when conducting commerce using the Internet, the buyer searches the Internet site and then selects the corresponding item to purchase.

At this time, the purchaser enters the personal information and credit card number on the site operated by the portal operator or the general shopping site, which is a service for commerce, or purchases, or enters the credit card number and receives the identification number and password. In some cases.

Then, when the corresponding item is selected from the items provided by the site, the identification number, password or credit card number, expiration date and delivery address are entered into the portal operator or shopping site, and the item code corresponding to the corresponding item is entered. Confirm the item and complete the order.

When the order is completed, the internet seller and the credit card company are settled, and the buyer pays the price through the credit card.

On the other hand, if the commerce is carried out in the home shopping process is as follows.

The buyer selects the item he / she wants when watching home shopping, and then applies to purchase the item by telephone provided by the operator.

Then, in a call with the receptionist, the article code and credit card number corresponding to the purchased article are presented, and the delivery address is presented. Subsequently, when payment between the seller and the credit card company is completed, the buyer pays the price through the credit card.

On the other hand, a method of purchasing an item without using a credit card requests a receptionist by phone to a receptionist, and asks for the payment of the item to a bank in Jiro. Accordingly, the seller sends out the goods after confirming the payment.

Since the e-commerce method of purchasing goods in the above manner requires the buyer to enter a credit card number on the communication, there is an anxiety of hackers not knowing how and when the credit card number is exposed, which is an obstacle to market activation. Accordingly, buyers who use e-commerce have anxiety about personal information leakage and card theft, and thus may avoid e-commerce using credit cards. As an alternative to this, there are some customers who purchase goods by way of payment through giro and bank transfer, but this has the inconvenience and inconvenience that customers have to visit the bank directly.

In addition, despite huge sales, home shopping companies had problems with limitations of payment methods, loss of customers due to congestion of customers, and ease of payment.

Currently, the most used payment methods in home shopping companies are credit card payment and bank account payment through an agent. However, even in the payment method made through the counselor, when all the counselors are busy, there is a problem in that the lost customers are generated because the waiting customers increase. In order to solve this problem, the home shopping company has to increase the number of counselors or increase the line, but there was a problem in that a high cost occurs.

In addition, in the case of the method of payment without deposit, there was an inconvenient problem that the customer had to visit the bank directly. In the home shopping company, it was necessary to check the deposit of the passbook every day, make it into a database, and save it. There was a problem that was exhausted.

An object of the present invention was made to solve the above problems, wired and wireless payment for home shopping that allows the customer to transfer the goods price was transferred to the financial institution when the customer confirms the delivery after receiving the goods ordered to the home shopping company from the delivery company It provides a method and a recording medium storing a computer program for the method.

1 is a block diagram of a wired and wireless payment system for home shopping according to the present invention

2 is a block diagram of a wired and wireless payment system for another home shopping according to the present invention

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

100: customer 110: wired or wireless terminal

200: Home Shopping Company

300: financial institutions of customers and home shopping companies

310: financial institution host

400: Shipping company

410: Shipping Management System 420: Shipping Mobile Terminal

500: Financial institution of customer 600: Financial institution of home shopping company

Wired and wireless payment method for home shopping according to the present invention for achieving the above object,

Selecting a payment method by a customer applying for a purchase of a product to a home shopping company using a wired or wireless terminal;

Transmitting order information, customer information, and a return address (URL) from the home shopping company to the first financial institution through the wired / wireless terminal of the customer;

Receiving, by the first financial institution, customer authentication information from the customer, performing an authentication process, and then transmitting the authentication result to the home shopping server through the wired / wireless terminal of the customer;

Making a payment request from the home shopping company to a second financial institution;

Making a payment request from the second financial institution to the first financial institution;

Transferring, by the first financial institution, the payment for the goods deposited in the account of the customer to the account of the first financial institution and then transferring the transfer result to the second financial institution;

Transmitting the transfer result to the home shopping company by the second financial institution;

Instructing a delivery company to deliver the transfer result to the wired / wireless terminal of the customer from the home shopping company;

Delivering the goods to the customer by the delivery company and receiving a delivery confirmation from the customer to notify the first financial institution;

Executing a transfer from the first financial institution to the account of the second financial institution by paying the goods deposited in the account of the first financial institution; And

And performing a transfer from the second financial institution to the account of the home shopping company with the price of the goods deposited in the account of the second financial institution.

The wired / wireless payment method for home shopping may include providing a mobile connection address of the home shopping company from the home shopping company to the wired / wireless terminal of the customer; And when the customer connects to the mobile connection address of the home shopping company, a product purchase window that is currently being broadcast is opened and product purchase is automatically performed.

The wired / wireless payment method for home shopping may include providing a payment financial institution in the item purchase window; If the customer selects the payment financial institution, providing an authentication page of the payment financial institution selected by the customer; And performing authentication for the customer by inputting authentication information through the authentication page of the payment financial institution.

The authentication information is characterized by inputting at least one of account number, password, security password, Internet banking password, social security number.

After the delivery company delivers the goods to the customer, accessing the first financial institution using a delivery mobile terminal, and then prompting the customer to enter a password to inform the first financial institution that the goods have been delivered; And when the delivery of goods to the customer is confirmed by the authentication information input by the customer in the first financial institution, the first financial institution pays the price of the goods deposited in the account of the first financial institution. The method further comprises the step of executing the transfer to the account of.

The authentication information is characterized by inputting at least one of account number, password, security password, Internet banking password, social security number.

Recording medium storing a computer program for a wired and wireless payment method for home shopping according to the present invention for achieving the above object,

Selecting a payment method by a customer applying for a purchase of a product to a home shopping company using a wired or wireless terminal;

Transmitting order information, customer information, and a return address (URL) from the home shopping company to the first financial institution through the wired / wireless terminal of the customer;

Receiving, by the first financial institution, customer authentication information from the customer, performing an authentication process, and then transmitting the authentication result to the home shopping server through the wired / wireless terminal of the customer;

Making a payment request from the home shopping company to a second financial institution;

Making a payment request from the second financial institution to the first financial institution;

Transferring, by the first financial institution, the payment for the goods deposited in the account of the customer to the account of the first financial institution and then transferring the transfer result to the second financial institution;

Transmitting the transfer result to the home shopping company by the second financial institution;

Instructing a delivery company to deliver the transfer result to the wired / wireless terminal of the customer from the home shopping company;

Delivering the goods to the customer by the delivery company and receiving a delivery confirmation from the customer to notify the first financial institution;

Executing a transfer from the first financial institution to the account of the second financial institution by paying the goods deposited in the account of the first financial institution; And

And performing a transfer from the second financial institution to the account of the home shopping company with the price of the goods deposited in the account of the second financial institution.

The recording medium storing the computer program for the wired and wireless payment method for home shopping comprises the steps of: providing a mobile connection address of the home shopping company from the home shopping company to the wired and wireless terminal of the customer; And when the customer connects to the mobile connection address of the home shopping company, a product purchase window that is currently being broadcast is opened and product purchase is automatically performed.

The recording medium storing the computer program for the wired and wireless payment method for home shopping comprises the steps of: providing a payment financial institution in the item purchase window; If the customer selects the payment financial institution, providing an authentication page of the payment financial institution selected by the customer; And performing authentication for the customer by inputting authentication information through the authentication page of the payment financial institution.

The authentication information is characterized by inputting at least one of account number, password, security password, Internet banking password, social security number.

The recording medium storing the computer program for the wired / wireless payment method for home shopping accesses the first financial institution using a delivery mobile terminal after the delivery company delivers the goods to the customer and then inputs a password to the customer. Informing the first financial institution that the goods have been delivered; And when the delivery of goods to the customer is confirmed by the authentication information input by the customer in the first financial institution, the first financial institution pays the price of the goods deposited in the account of the first financial institution. The method further comprises the step of executing the transfer to the account of.

The authentication information is characterized by inputting at least one of account number, password, security password, Internet banking password, social security number.

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

1 is a block diagram of a wired / wireless payment system for home shopping according to the present invention, which illustrates a case where a financial institution that a customer 100 wants to make a payment also makes a transaction in a home shopping company 200.

As shown in FIG. 1, the wired / wireless payment system for home shopping includes a home shopping company 200 advertising and selling goods through a wired / wireless communication network or an internet communication network with a customer 100 having a wired / wireless terminal 110, and The financial institution of the customer and home shopping company that both the customer 100 and the home shopping company 200 are all financial institutions selected by the customer 100 to purchase the goods to the home shopping company 200 and then pay for the payment. 300 and a delivery company 400 that delivers the goods purchased by the customer 100 to the customer 100 and confirms delivery according to a delivery instruction of the home shopping company 200.

The operation is connected to the mobile shopping address of the home shopping company 300 at the bottom of the broadcast screen in order to view the goods advertised in the home shopping company 200 by the customer 100 having the wired / wireless terminal 110 to purchase the goods. (Available in various forms) opens the Purchased Items window. At this time, the goods purchase application is automatically applied for the goods purchase window opens.

Then, when the customer 100 selects the payment financial institution in the item purchase window (step S1), the authentication page of the financial institution selected by the customer is opened by the wired / wireless terminal 110 of the customer 100. At this time, the home shopping company 200 transmits order information, customer information, and a return address (URL) to the financial institution 300 of the customer and the home shopping company through the wired / wireless terminal 110 of the customer 100 ( Step S2).

Next, the financial institution 300 of the customer and the home shopping company requests the customer 100 for authentication information (for example, an account number, a password, a security password, an Internet banking password, a social security number, etc.) required for customer authentication. (Step S3), the customer 100 inputs the authentication information through the authentication page of the financial institution (step S4) to perform authentication for the customer 100.

Next, the financial institution 300 of the customer and the home shopping company uses the reply address (URL) received from the home shopping company 200 as a result of the authentication of the customer 100 to the wired / wireless terminal of the customer 100. It transmits to the home shopping company 200 through 110 (step S5).

Next, the home shopping company 200 requests a payment for the customer 100 to the financial institution 300 of the customer and the home shopping company (step S6). At this time, the home shopping company 300 transmits payment information including the ID, payment number, and payment amount of the home shopping company to the financial institution 300 of the customer and the home shopping company.

Next, the financial institution 300 of the customer and the home shopping company executes the transfer to the financial institution host 310 (step S7), and then transfers the result of the account transfer to the home shopping company 200 (step S8). .

Then, the home shopping company 200 transmits the result of the account transfer to the wired / wireless terminal 110 of the customer 100 (step S9) to inform the customer that the payment has been made, and the delivery management system of the delivery company 400 ( In step 410, a delivery instruction is issued to deliver the goods to the customer 100.

Next, the employee of the delivery company 400 delivers the goods purchased by the customer 100 through the home shopping company 200 to the customer 100 and then uses the delivery mobile terminal 420 possessed by the customer. Receive delivery confirmation that the customer has received the goods (step S11). At this time, the delivery confirmation procedure is that the employee of the delivery company 400 is connected to the financial institution 300 of the customer and the home shopping company using the delivery mobile terminal 420, and then confirm the delivery to the customer 100 You can receive a delivery confirmation by entering a password for. At this time, the password for confirming the delivery of the authentication information (for example, account number, password, security password, Internet banking password, social security number) entered by the customer 100 in the financial institution 300 of the customer and the home shopping company Etc.) can be used.

Next, when the customer 100 confirms the delivery by inputting a password for confirming the delivery, the financial institution 300 of the customer and the home shopping company pays the price of the goods transferred to the account of the financial institution. And transfer to the account of step S).

Next, the financial institution 300 of the customer and the home shopping company notifies the home shopping company 200 of the transfer result.

2 is a block diagram of a wired / wireless payment system for home shopping according to the present invention, a financial institution 600 of a home shopping company trading in a financial institution 500 and a home shopping company 200 of a customer 100 who wishes to make a payment. This other case is shown as an example.

As shown in FIG. 2, the wired / wireless payment system for home shopping includes a customer 100 having a wired / wireless terminal 110, a home shopping company 200 advertising and selling goods through a wired / wireless communication network or an internet communication network; The financial institution 500 of the home shopping company with which the customer 100 purchases the goods to the home shopping company 200 and the home shopping company 200 is trading with the financial institution 500 of the customer selected for payment. And a delivery company 400 that delivers the goods purchased by the customer 100 to the customer 100 and confirms delivery by the delivery instruction of the home shopping company 200.

The operation is connected to the mobile shopping address of the home shopping company 300 at the bottom of the broadcast screen in order to view the goods advertised in the home shopping company 200 by the customer 100 having the wired / wireless terminal 110 to purchase the goods. (Available in various forms) opens the Purchased Items window. At this time, the goods purchase application is automatically applied for the goods purchase window opens.

Then, when the customer 100 selects the payment financial institution in the item purchase window (step S1), the authentication page of the financial institution selected by the customer is opened by the wired / wireless terminal 110 of the customer 100. At this time, the home shopping company 200 transmits order information, customer information, and a return address (URL) to the financial institution 500 of the customer through the wired / wireless terminal 110 of the customer 100 (step S2). .

Next, the financial institution 500 of the customer requests the customer 100 for authentication information (for example, account number, password, security password, internet banking password, social security number, etc.) required for customer authentication (step S3). ), The customer 100 inputs the authentication information through the authentication page of the customer's financial institution 500 (step S4) to perform authentication on the customer 100.

Next, the financial institution 500 of the customer uses the reply address (URL) received from the home shopping company 200 as a result of the authentication of the customer 100 to the wired / wireless terminal 110 of the customer 100. Through the home shopping company 200 is transmitted through (step S5).

Next, the home shopping company 200 requests a payment for the customer 100 to the financial institution 600 of the home shopping company (step S6). At this time, the home shopping company 200 transmits payment information including the home shopping company's ID, payment number, and payment amount to the financial institution 600 of the home shopping company.

Next, the financial institution 600 of the home shopping company requests a payment to the financial institution 500 of the customer (step S7).

Then, the customer's financial institution 500 executes the transfer of the goods in the customer's account to the account of the customer's financial institution 500 (step S8), and the payment result for the account transfer Transfer to the financial institution 600 of the home shopping company (step S9).

Next, the financial institution 600 of the home shopping company transmits the payment result received from the financial institution 500 of the customer to the home shopping company 200 (step S10).

Then, the home shopping company 200 transmits the result of the account transfer to the wired / wireless terminal 110 of the customer 100 (step S11) to inform the customer that the payment is made, the delivery management system of the delivery company 400 ( 410, a delivery instruction is given to deliver the goods to the customer 100 (step S12).

Next, the employee of the delivery company 400 delivers the goods purchased by the customer 100 through the home shopping company 200 to the customer 100 and then uses the delivery mobile terminal 420 possessed by the customer. Receive delivery confirmation that the customer has received the goods (step S13). At this time, the delivery confirmation procedure is that the employee of the shipping company 400 is connected to the financial institution 500 of the customer using the delivery mobile terminal 420, and then the password for confirming the delivery to the customer 100 By inputting, the delivery confirmation is received. At this time, the password for confirming the delivery of the authentication information (for example, account number, password, security password, Internet banking password, social security number, etc.) entered by the customer 100 in the financial institution 500 of the customer Either one can be used.

Next, when the customer 100 confirms delivery by inputting a password for confirming delivery, the customer's financial institution 500 recalls the price of the goods transferred to the account of the customer's financial institution 500. The transfer is performed to the account of the financial institution 600 of the home shopping company. Next, the financial institution 600 of the home shopping company transfers the goods price of the customer 100 transferred to the account of the financial institution 600 of the home shopping company to the account of the home shopping company 200 to process the settlement. (Step S15).

Next, the financial institution 600 of the home shopping company notifies the home shopping company 200 of the transfer result.

The present invention is not limited to the above-described embodiments, but can be variously modified and changed by those skilled in the art, which should be regarded as included in the spirit and scope of the present invention as defined in the appended claims. something to do.

As described above, according to the recording medium storing the wired / wireless payment method for home shopping and the computer program for the method according to the present invention, the customer is a wired / wireless terminal (including a mobile communication terminal) through a home shopping company and a financial institution After receiving the order and payment and receiving the ordered goods from the delivery company, the payment of the goods transferred to the financial institution by the customer's delivery confirmation is transferred to the home shopping company. When the ordered goods do not arrive after the reduction of anxiety, there is an effect that can prevent financial accidents using the mail order.

In addition, when the customer calls a home shopping company through a wired / wireless terminal and orders an item, the customer pays a credit card and a bankbook payment as well as a bank transfer payment.

In addition, when a customer calls a home shopping company through a wired / wireless terminal and then pays for an order after paying for an item, the customer may pay through an ARS payment or a wireless Internet payment with a desired bank or credit card company.

Claims (12)

Selecting a payment method by a customer applying for a purchase of a product to a home shopping company using a wired or wireless terminal; Transmitting order information, customer information, and a return address (URL) from the home shopping company to the first financial institution through the wired / wireless terminal of the customer; Receiving, by the first financial institution, customer authentication information from the customer, performing an authentication process, and then transmitting the authentication result to the home shopping server through the wired / wireless terminal of the customer; Making a payment request from the home shopping company to a second financial institution; Making a payment request from the second financial institution to the first financial institution; Transferring, by the first financial institution, the payment for the goods deposited in the account of the customer to the account of the first financial institution and then transferring the transfer result to the second financial institution; Transmitting the transfer result to the home shopping company by the second financial institution; Instructing a delivery company to deliver the transfer result to the wired / wireless terminal of the customer from the home shopping company; Delivering the goods to the customer by the delivery company and receiving a delivery confirmation from the customer to notify the first financial institution; Executing a transfer from the first financial institution to the account of the second financial institution by paying the goods deposited in the account of the first financial institution; And Wired / wireless payment method for home shopping, comprising the step of performing a transfer from the second financial institution to the account of the home shopping company, the price of goods deposited in the account of the second financial institution. According to claim 1, The wired or wireless payment method for home shopping, Providing, by the home shopping company, a mobile connection address of the home shopping company to the wired / wireless terminal of the customer; And When the customer connects to the mobile shopping address of the home shopping company, the current purchase of the goods window is opened and the purchase of the goods is automatically made, the wired / wireless payment method for home shopping. According to claim 1, The wired or wireless payment method for home shopping, Providing a payment financial institution in the item purchase window; If the customer selects the payment financial institution, providing an authentication page of the payment financial institution selected by the customer; And The customer further comprises the step of performing authentication for the customer by entering the authentication information through the authentication page of the payment financial institution wired or wireless payment method for home shopping. The method of claim 3, wherein The authentication information is wired or wireless payment method for home shopping, characterized in that at least one or more of the account number, password, security password, Internet banking password, social security number input. The method of claim 1, After the delivery company delivers the goods to the customer, accessing the first financial institution using a delivery mobile terminal, and then prompting the customer to enter a password to inform the first financial institution that the goods have been delivered; And When the delivery of goods to the customer is confirmed by the authentication information input by the customer in the first financial institution, the first financial institution pays the price of the goods deposited in the account of the first financial institution of the second financial institution. Wired and wireless payment method for home shopping, characterized in that it further comprises the step of performing a transfer to the account. The method of claim 5, wherein The authentication information is wired or wireless payment method for home shopping, characterized in that at least one or more of the account number, password, security password, Internet banking password, social security number input. In a recording medium storing a computer program for a wired and wireless payment method for home shopping, Selecting a payment method by a customer applying for a purchase of a product to a home shopping company using a wired or wireless terminal; Transmitting order information, customer information, and a return address (URL) from the home shopping company to the first financial institution through the wired / wireless terminal of the customer; Receiving, by the first financial institution, customer authentication information from the customer, performing an authentication process, and then transmitting the authentication result to the home shopping server through the wired / wireless terminal of the customer; Making a payment request from the home shopping company to a second financial institution; Making a payment request from the second financial institution to the first financial institution; Transferring, by the first financial institution, the payment for the goods deposited in the account of the customer to the account of the first financial institution and then transferring the transfer result to the second financial institution; Transmitting the transfer result to the home shopping company by the second financial institution; Instructing a delivery company to deliver the transfer result to the wired / wireless terminal of the customer from the home shopping company; Delivering the goods to the customer by the delivery company and receiving a delivery confirmation from the customer to notify the first financial institution; Executing a transfer from the first financial institution to the account of the second financial institution by paying the goods deposited in the account of the first financial institution; And Storing the computer program for the wired / wireless payment method for home shopping, wherein the second financial institution transfers the price of the goods deposited in the account of the second financial institution to the account of the home shopping company. Record carrier. The recording medium of claim 7, wherein the recording medium storing the computer program for the wired / wireless payment method for home shopping comprises: Providing, by the home shopping company, a mobile connection address of the home shopping company to the wired / wireless terminal of the customer; And When the customer connects to the mobile shopping address of the home shopping company, the product purchase window that is currently being broadcast is opened and the purchase of the product is automatically recorded. . The recording medium of claim 7, wherein the recording medium storing the computer program for the wired / wireless payment method for home shopping comprises: Providing a payment financial institution in the item purchase window; If the customer selects the payment financial institution, providing an authentication page of the payment financial institution selected by the customer; And The customer inputs the authentication information through the authentication page of the payment financial institution to perform the authentication for the customer, the recording medium storing a computer program for a wired and wireless payment method for home shopping. The method of claim 9, The authentication information is a recording medium storing a computer program for a wired or wireless payment method for home shopping, characterized in that at least one or more of the account number, password, security password, Internet banking password, social security number input. The recording medium of claim 7, wherein the recording medium storing the computer program for the wired / wireless payment method for home shopping comprises: After the delivery company delivers the goods to the customer, accessing the first financial institution using a delivery mobile terminal, and then prompting the customer to enter a password to inform the first financial institution that the goods have been delivered; And When the delivery of goods to the customer is confirmed by the authentication information input by the customer in the first financial institution, the first financial institution pays the price of the goods deposited in the account of the first financial institution of the second financial institution. A recording medium storing a computer program for a wired and wireless payment method for home shopping, further comprising the step of performing a transfer to an account. The method of claim 11, The authentication information is a recording medium storing a computer program for a wired or wireless payment method for home shopping, characterized in that at least one or more of the account number, password, security password, Internet banking password, social security number input.