KR20040101096A - One-stop authentication and settlement method using a network terminal - Google Patents

Abstract

PURPOSE: A one-stop certification/settlement method using a network terminal operated by an integrated certification client program is provided to perform the certification/settlement for an electronic shopping mall by using settlement/certification information simultaneously inputted through a user interface offered to the network terminal or a mobile communication terminal of a user. CONSTITUTION: The network terminal of the user connected to an EC(Electronic Commerce) server selects a settlement tool, and transmits the settlement information, settlement tool information, and certification confirmation information to a PG(Payment Gateway)(S210). The certification is performed through a certification authority by using the certification confirmation information and a certification result value is transmitted to the PG(S220). The settlement is performed by determining effectiveness of the certification result value, and transmitting the certification result value and the settlement information to a billing authority server depending on the certification result value(S240).

Description

ONE-STOP AUTHENTICATION AND SETTLEMENT METHOD USING A NETWORK TERMINAL}

The present invention relates to a one-stop authentication and payment method using a network terminal.

More specifically, when a user purchases a product or receives various paid services such as a game using an electronic shopping mall, an integrated authentication client may input billing information and authentication information at a time when the user wants to pay the purchase price or service price. One-stop authentication and payment method using a network terminal to enable authentication and payment using payment information and authentication information simultaneously driven through a user interface provided by a program to a user's network terminal or mobile communication terminal It is about.

Recently, with the rapid increase of Internet users, the Internet is playing a role as a new media that enables real-time communication between companies and individuals, individuals and individuals rather than in the sense of a network connected with computers.

Electronic commerce (EC) refers to the act of buying and selling goods using the Internet or PC communication, and broadly encompasses the purchase of goods and services or advertisement of orders placed through a computer communication network. . The biggest advantage of such a transaction is that there is no time and space constraints, which saves you the hassle of going directly to the store, and the transaction price is mainly settled by credit card.

At present, due to the development of computers, the Internet, and the improvement of the communication environment, the number of e-commerce companies and the scale of the Internet are increasing, which is well known. This is because it is a suitable place for commerce.

Looking at the payment system (PG: Payment Gateway) in the Internet e-commerce as described above, the most basic role of a financial institution such as credit card companies in electronic commerce is the payment approval and settlement of the purchase. This ultimately allows the store that sold the product to be paid for using a system linked to the card company.

The PG service connects merchants and card companies online and performs various tasks such as payment approval and settlement.

In general, in order to secure transactions in an open network such as the Internet, that is, e-commerce, confidentiality to prevent exposure of transactions to third parties, integrity to prevent tampering of transactions, and unfairness to established transactions Non repudiation to prevent reversal, and mutual authentication to prevent the creation of unauthorized transactions should be provided. In order to implement such a function, a secure e-commerce protocol based on an encryption algorithm is used.

However, in order to perform electronic commerce using an encryption algorithm-based transaction protocol, a digital wallet software usually installed in a customer system, that is, a computer of a customer is required. Such a customer electronic wallet supports a variety of e-commerce protocols, allowing the customer to select a payment method.

However, in the case of direct debit in the current payment system, the payment is made after the authorized authentication through a separate transfer method by executing the Internet banking after entering the payment information, so that the user goes through several steps for payment. There is a problem that hassle to input.

In addition, in the case of a credit card, there is a problem in that the user has to perform the authentication process again after performing a private authentication process such as an ISP, a secure click, etc. for payment.

In addition, in the case of mobile phone payment, there is a problem in that the trouble of having to perform the authentication process again after performing a private authentication procedure for receiving a password generated for payment through SMS.

In addition, in the case of wired payment, a password for payment is generated through a web page, and a hassle of having to perform the public authentication procedure after performing a private authentication procedure in which the generated password is provided to the user through a wired telephone is generated. There is a problem.

Therefore, the present invention has been made to solve the above problems, an object of the present invention is to purchase the goods or receive a variety of paid services such as games using the electronic shopping mall after the purchase price or service price It is operated by the integrated authentication client program that can input billing information and authentication information at the same time when it wants to pay and authenticates using the payment information and authentication information simultaneously input through the user interface provided to the user's network terminal or mobile communication terminal. And to provide a one-stop authentication and payment method using a network terminal to make a payment.

In addition, another object of the present invention is to provide payment information and mobile communication using a network terminal in order to pay the purchase price or service fee after the user purchases a product or receives various paid services such as a game using an electronic shopping mall. After entering a phone number and selecting a payment method, a user uses a network terminal to send an SMS to drive an integrated authentication client program for inputting payment information and authentication information to a user's mobile terminal so that authentication and payment can be made. To provide a one-stop authentication and payment method

In addition, another object of the present invention after the user purchases goods using the electronic shopping mall or provided with a variety of paid services such as games, the user pays for the purchase price or service payment using the network terminal and payment information Entering a communication phone number, the network terminal for authentication and payment by sending an SMS for driving an integrated authentication client program that selects a payment method and inputs payment information and authentication information to the user's mobile terminal. To provide a one-stop authentication and payment method.

1 is a diagram of an embodiment of a one-stop authentication and payment system using a network terminal according to the present invention;

FIG. 2 is a flowchart illustrating an embodiment of a one-stop authentication and payment method using the system of FIG. 1;

3 is a diagram illustrating a window for integrated authentication output on a screen of a user terminal;

4 is a diagram of another embodiment of a one-stop authentication and payment system using a network terminal according to the present invention;

5 is a flowchart illustrating another embodiment of a one-stop authentication and payment method using the system of FIG. 4,

6 is a diagram illustrating a user interface output on a screen of a network terminal;

7 illustrates an authentication request window output on a screen of a user's mobile communication terminal;

8 is a view showing another embodiment of FIG. 6,

FIG. 9 illustrates another embodiment of FIG. 7.

*** Explanation of symbols for the main parts of the drawing ***

100: network terminal

110: mobile communication terminal

120: e-commerce server

130: payment gateway

140: certificate authority server

150: billing institution server

In order to achieve the above object, an embodiment of the present invention, in the one-stop authentication and payment method using a network terminal, the payment means is selected from the network terminal of the user connected to the electronic transaction server, payment information, payment means A first step of transmitting information and authentication information to a payment gateway; A second step of performing authentication through a certification authority using the authentication confirmation information and transmitting an authentication result value to the payment gateway; Determining a validity of the authentication result value and transmitting the authentication result value and payment information to the billing authority server according to the result; and selecting the payment means and the input payment information. The payment means information and the authentication related information may be input, stored and transmitted through a single user interface driven by the integrated authentication client program.

In addition, according to another embodiment of the present invention, in the one-stop authentication and payment method using a network terminal, a payment means is selected from a network terminal of a user connected to an electronic transaction server, the input payment information, a mobile telephone number, A first step of transmitting payment method selection information to a payment gateway; A second step of transmitting an SMS for authentication including a callback URL to a mobile communication terminal storing user authentication information by using the transmitted mobile communication phone number; A third step of transmitting payment means information and authentication confirmation information as a user's response to the SMS for authentication to the payment gateway; A fourth step of performing authentication through a certification authority using the authentication confirmation information and transmitting an authentication result value to the payment gateway; And determining a validity of the authentication result value and transmitting the authentication result value and payment information to the billing institution server according to the result.

In addition, according to another embodiment of the present invention, in the one-stop authentication and payment method using a network terminal, the payment information and the mobile communication phone number input from the network terminal of the user connected to the electronic transaction server is transmitted to the payment gateway. First step; A second step of transmitting an SMS for authentication including a callback URL to a mobile communication terminal storing user authentication information by using the transmitted mobile communication phone number; A third step of selecting a payment means by a user in response to the SMS for authentication and transmitting payment selection information, payment means information, and authentication confirmation information to the payment gateway; A fourth step of performing authentication through a certification authority using the authentication confirmation information and transmitting an authentication result value to the payment gateway; And determining a validity of the authentication result value, and transmitting the authentication result value and payment information to the billing institution server according to the result.

Hereinafter, a one-stop authentication and payment method using a network terminal according to the present invention will be described with reference to the accompanying drawings.

Before describing the operation of the present invention in detail, the terms mentioned in the operation are defined as follows, and the terms identically mentioned herein have the same meaning.

First, when the payment method selection information is described, the e-commerce server allows the user to select any of direct debit, credit card payment, mobile phone payment, and wired telephone payment method, and the user selects one of the payment methods. In this case, the information for allowing the other system to identify the payment method selected by the user is payment method selection information. Second, the payment method information, if the user selects direct debit payment method payment means information means bank code, account number, account password, social security number, etc. If you choose to pay by credit card payment method information Credit code Company code, credit card number, password, expiration date, social security number, etc.If the user selects mobile phone payment as the payment method, it means social security number, mobile phone number, carrier code, etc. If you choose the method means a social security number, subscriber name, telephone number, carrier code. Third, the payment information consists of site code, user ID, payment amount.

Example 1

1 is a diagram illustrating an embodiment of a one-stop authentication and payment system using a network terminal according to the present invention.

Embodiment 1 of the present invention as shown in Figure 1, the network terminal 100, the electronic transaction server 120, payment gateway 130, the certification authority server 140 and the billing authority server 150 It is composed.

The network terminal 100 is equipped with a program such as a web browser so that the user can be provided with the service provided by the electronic transaction server 120 through an online connection, so that the authentication and payment can be made in one screen An integrated authentication client program is mounted, and the integrated authentication client program is driven by the electronic transaction server 120 or the payment gateway 130 to provide a user interface as shown in FIG. 3.

The integrated authentication client program is a program that can be executed in a PC or a mobile communication terminal, and can be downloaded and used from a web server.

In this case, the integrated authentication client program may be executed through a command received from a payment gateway or an electronic transaction server when the integrated authentication client program is installed in a PC. When the integrated authentication client program is installed in a mobile communication terminal, SMS using a WAP (WAP) may be used. And the like.

Another driving method of the integrated authentication client program may be implemented to be executed by giving a driving command directly selected by the user.

The integrated authentication client program provides a user interface for simultaneously inputting, storing, and transmitting a plurality of user input information related to authentication and payment, such as payment information, payment method selection information, payment method information, and authentication confirmation information. Control transmission and reception.

In addition, the network terminal 100 has an authorized certificate, and generates an authentication process result value using the authentication password input through the user interface to output to the payment gateway 130.

The electronic transaction server 120 is an online shopping mall or a content shopping mall capable of electronic commerce. When a user purchases a predetermined product or receives a paid service, the user requests a payment and selects a payment method. By running the integrated authentication client program mounted on the network terminal 100, the user interface (one-stop payment screen) as shown in Figure 3 attached to the screen output, payment information, payment means input through the user interface Information, the authentication authentication password, etc. are transmitted to the payment gateway 130.

The payment gateway 130, upon receipt of payment information, payment method information, authorized authentication password, and authentication processing result value, transmits the authentication verification request information to the certification authority server 140 to apply for the determination of the validity of the authentication certificate to be used for authentication. On the other hand, the authentication result value input from the certification authority server 140 is transmitted to the charging authority server 150.

The certification authority server 140 is a certification gateway (C / G), and determines the validity of the accredited certificate using the certification verification request information input from the payment gateway 130 to validate or invalidate the accredited certificate. It generates an authentication result value consisting of the value and transmits back to the payment gateway 140.

The billing institution server 150 allows payment to be made immediately if the authentication result received through the payment gateway 130 is valid and the payment instrument owner and certificate owner are the same.

The operation of the one-stop authentication and payment system configured as described above will be described with reference to FIGS. 1 to 3 as follows.

FIG. 2 is a flowchart illustrating an embodiment of a one-stop authentication and payment method using the system of FIG. 1, and FIG. 3 is a diagram illustrating a window for integrated authentication output on a screen of a user terminal.

When a user purchases a product using a predetermined site or receives a paid service, the user sends an e-commerce server 120 a payment method selection guide message to the user, and the user selects a payment method in response to the guide message. The electronic transaction server 120 or the payment gateway drives the integrated authentication client program mounted in the network terminal 100 so that the user interface is output on the screen of the network terminal 100.

As shown in FIG. 3, the user interface includes a payment information input window consisting of a site name, an amount, and an ID, a payment means information input window, a public certificate output window, and a certificate password input window.

And, the payment information, payment means information, authentication password and the authentication process result value generated through the user interface is transmitted to the payment gateway 130 through the electronic transaction server 120.

Then, the payment gateway 130 determines whether payment information, payment method information, authentication password, and authentication processing result value are received from the electronic transaction server 120 (S100). As a result of the determination, when the payment information, the payment method information, the authentication password, and the authentication processing result value are received, the authentication verification request information is generated using the authentication password and the authentication processing result value and transmitted to the authentication authority server 140 (S110).

The certification authority server 140 performs authentication using the authentication confirmation request information and transmits the authentication result value to the payment gateway 130.

The payment gateway 130 determines whether the authentication result value is received (S120), and when the authentication result is received, the payment gateway 130 transmits the payment means information input by the user to the payment means selected by the user. The payment is transmitted to the corresponding billing institution server 150 so that payment can be made (S130).

That is, the billing institution server 150 enables the payment to be made immediately if the authentication result value is valid and the owner of the corresponding payment method and the certificate owner are the same. At this time, the billing institution server 150 stores the payment history information of the user for a period of time and transmits to the electronic transaction server 100, mobile carrier server 160, or the user's email account.

Example 2

4 is a diagram of another embodiment of a one-stop authentication and payment system using a network terminal according to the present invention.

Embodiment 2 of the present invention is shown in Figure 4, the network terminal 100, the mobile communication terminal 110, electronic transaction server 120, payment gateway 130, the certification authority server 140 and It consists of a billing institution server 150.

The network terminal 100 is equipped with a program such as a web browser so that the user can be provided with the service provided by the electronic transaction server 120 through an online connection, so that the authentication and payment can be made in one screen An integrated authentication client program is mounted, and the integrated authentication client program is driven by the electronic transaction server 120 or the payment gateway 130 to provide a user interface as shown in FIG. 6.

When a predetermined user purchases a predetermined product or is provided with a paid service, the electronic transaction server 120 runs an integrated authentication client program mounted on the network terminal 100 when the user requests a payment, thereby displaying a screen of the network terminal 100. On the accompanying drawings, a user interface for inputting payment information and selecting a payment method as shown in FIG. 6 is output, and the payment information and payment means information input through the user interface is transmitted to the payment gateway 130.

When the payment gateway 130 receives payment information and payment method information, etc. from the electronic transaction server 120, the payment gateway 130 transmits the information to the mobile carrier server 160, receives the authentication performance signal input through the mobile carrier server 160, and receives the certification authority server. And transmits the authentication result value received from the certification authority server 140 to the charging authority server 150.

Mobile phone server 160 is an authentication including a callback URL to the mobile communication terminal 110 that stores the authentication information of the user using the payment means selection information and payment information transmitted from the payment gateway 130 And / or send SMS for payment. At this time, the SMS for authentication and / or payment including the callback URL (Callback URL) includes the payment information, so that the user can confirm the contents of the payment information and / or verification by the user input do.

In addition, the mobile terminal 110 is equipped with a certificate, in response to the SMS to display a screen as shown in Figure 7 attached to the user can enter the payment means information and authentication confirmation information for the authentication and / or payment Make sure On the other hand, the certificate of the mobile terminal 130 driven by the SMS is mounted on any one of the authentication program, RF chip, PDA chip, removable storage medium.

When the user inputs payment means information and authentication confirmation information as described above, the mobile communication terminal 110 transmits the payment means information and authentication confirmation information to the payment gateway 130 through the mobile carrier server 160.

The certification authority server 140 is a certification gateway (C / G), and determines the validity of the accredited certificate by using the authentication confirmation information input from the payment gateway 130 to validate or invalidate the accredited certificate. It generates an authentication result consisting of and transmits back to the payment gateway 140.

The billing institution server 150 allows payment to be made immediately if the authentication result received through the payment gateway 130 is valid and the payment instrument owner and certificate owner are the same. At this time, the billing institution server 150 stores the payment history information of the user for a period of time and transmits to the electronic transaction server 120, mobile carrier server 160, or the user's email account.

The operation of the one-stop authentication and payment system configured as described above will be described with reference to FIGS. 4 to 7 as follows.

FIG. 5 is a flowchart illustrating another embodiment of a one-stop authentication and payment method using the system of FIG. 4, FIG. 6 is a diagram illustrating a user interface output on a screen of a network terminal, and FIG. 7 is a user. Is a diagram illustrating an authentication request window output on a screen of a mobile communication terminal.

When a user purchases a product using a predetermined site or receives a paid service, the user sends the payment service guide message to the user by the electronic transaction server 120, and when the user selects a payment service in response to the guide message, The electronic transaction server 120 drives the integrated authentication client program mounted in the network terminal 100 so that the user interface is output on the screen of the network terminal 100.

As shown in FIG. 6, the user interface includes a payment information input window including a site name, an amount, and an ID, and a window for selecting a payment method.

The payment information and the selected payment means information input through the user interface are transmitted to the payment gateway 130.

Then, the payment gateway 130 determines whether payment information and payment method selection information have been received from the electronic transaction server 120 (S200). As a result of the determination, when the payment information and the payment method selection information are received, the social security number and the mobile phone terminal number included in the payment information are extracted and transmitted to the mobile communication server server 160 (S210).

The carrier server 160 then transmits an SMS for authentication and / or payment that includes a callback URL. The mobile communication terminal 110 receiving the SMS displays a screen as shown in FIG. 7.

Then, when the user inputs the payment means information through the screen and inputs the authentication authentication password, the mobile communication terminal 110 generates the authentication processing result value using the mounted authentication certificate, the generated authentication processing result value and payment The means information is transmitted to the payment gateway 130 through the mobile carrier server 160.

The payment gateway 130 generates authentication confirmation request information by using the authentication process result value and the authentication password and transmits it to the certification authority server 140 (S220).

The certification authority server 140 performs authentication using the authentication confirmation information and transmits the authentication result value to the payment gateway 130.

The payment gateway 130 determines whether the authentication result value is received (S230), and when the authentication result value is received, the payment gateway 130 transmits the payment means information input by the user to the payment means selected by the user. The payment is made to the corresponding billing institution server 150 to make a payment (S240).

That is, the billing institution server 150 enables the payment to be made immediately if the authentication result value is valid and the corresponding owner of the payment method and the owner of the certificate are the same. At this time, the billing institution server 150 stores the payment history information of the user for a period of time and transmits to the electronic transaction server 100, mobile carrier server 160, or the user's email account.

In addition, the mobile communication server 160 is an authentication and / or payment including a callback URL to the mobile communication terminal 110 storing the authentication information of the user by using the transmitted payment method selection information and payment information. Send SMS for. At this time, the SMS for authentication and / or payment including the callback URL (Callback URL) includes the payment information, so that the user can confirm the contents of the payment information and / or verification by the user input do.

In addition, the mobile terminal 110 is equipped with a certificate, in response to the SMS to display a screen as shown in Figure 2 attached to the user can enter the payment means information and authentication confirmation information for the authentication and / or payment Make sure Meanwhile, the certificate of the mobile communication terminal 110 driven by the SMS is mounted on any one of an authentication program, an RF chip, a PDA chip, and a removable storage medium.

When the user inputs payment means information and authentication confirmation information as described above, the mobile communication terminal 110 transmits the payment means information and authentication confirmation information to the payment gateway 130 through the mobile carrier server 160, payment gateway 130 transmits to the certification authority server 140.

Then, the certification authority server 140 is a certification gateway (C / G; Certification

As a gateway, authentication is performed using the authentication confirmation information, and an authentication result is transmitted to the payment gateway 110, and the payment gateway 130 transmits the authentication result value and the payment means information input by the user by the user. The payment is transmitted to the billing institution server 150 corresponding to the selected payment method so that payment can be made. That is, the billing institution server 150 enables payment to be made immediately if the authentication result value received through the payment gateway 110 is valid and the payment means owner and the certificate owner are the same.

Then, the billing institution server 150 stores the payment history information of the user for a certain period of time, and transmits to the electronic transaction server 100, mobile carrier server 160, or the user's email account.

When the authentication is confirmed by the SMS, at least one of advertisement information, specific homepage information, and screen information designated for each individual may be displayed on the mobile communication terminal 130 of the user.

At this time, the transmission of the SMS for the specific screen display is controlled by the mobile carrier server 160, i) when the authentication request message is transmitted from the mobile carrier server 160 to the user's mobile terminal 110, ii) the user In response to the authentication request message, when the authentication confirmation information is transmitted to the mobile carrier server 160, or iii) when the authentication success message is transmitted to the mobile communication terminal 110, an SMS is transmitted and displayed. To be executed.

Example 3

The configuration of the third embodiment of the present invention is the same as that of the second embodiment, but the electronic transaction server 120 outputs only payment information to the payment gateway 130. Therefore, unlike the second embodiment, the electronic transaction server 120 When a predetermined user purchases a product or uses a paid service, the integrated authentication client program installed in the network terminal 100 is driven to output a user interface as shown in FIG. 8 on the screen of the network terminal 100. The payment information input through the user interface is transmitted to the payment gateway 130.

Then, the payment gateway 130 requests that the mobile carrier server 160 sends the SMS for authentication and / or payment to the mobile communication terminal 110 as described in the second embodiment.

The mobile communication terminal 110 then displays a screen as shown in FIG. 9 in response to the SMS.

The user selects a payment method through the screen, and inputs the payment method information and the authentication certificate password as in the second embodiment corresponding to the selected payment method. Since the process is the same as the second embodiment, a detailed description thereof will be omitted.

In Embodiments 1 to 3, data transmitted and received between systems is encrypted and decrypted using a public key infrastructure (PKI). In other words, the public key infrastructure is a method of encrypting and decrypting information transmitted and received using a secret key and a public key.

In the public key infrastructure, instead of exposing a public key, a certificate that associates the public key with its owner is disclosed. The certificate is signed by a trusted third party (certificate authority), so that users who are not trusted objects cannot change the contents of the document.

In addition, the integrated authentication client program applied to the present invention has been described as being driven by an electronic transaction server, but may be driven by a payment gateway.

The present invention is not limited to the embodiments described above, and various modifications and changes can be made by those skilled in the art, which are included in the spirit and scope of the present invention as defined in the appended claims.

As described above, the present invention provides a one-stop process without requiring a plurality of procedures in one screen through a user interface driven by an integrated authentication client program. As it is possible to implement the processing, the user can easily perform the payment and authentication process, and there is an effect of reducing the time for performing the payment and authentication.

Claims (16)

In the one-stop authentication and payment method using a network terminal, A first step of selecting a payment means from a network terminal of a user accessing an electronic transaction server and transmitting payment information, payment means information, and authentication confirmation information to a payment gateway; A second step of performing authentication through a certification authority using the authentication confirmation information and transmitting an authentication result value to the payment gateway; Determining a validity of the authentication result value and transmitting the authentication result value and payment information to the billing authority server according to the result; Including; The selection of the payment means and the input payment information, payment means information and authentication related information are input, stored and transmitted through a single user interface driven by an integrated authentication client program. One-stop authentication and payment method using a network terminal. The method of claim 1, The payment information is a one-stop authentication and payment method using a network terminal, characterized in that for the authentication and payment of e-commerce, Internet banking In the one-stop authentication and payment method using a network terminal, A first step of selecting a payment means from a network terminal of a user connected to an electronic transaction server, and inputting payment information, a mobile communication number, and payment means selection information to a payment gateway; A second step of transmitting an SMS for authentication including a callback URL to a mobile communication terminal storing user authentication information by using the transmitted mobile communication phone number; A third step of transmitting payment means information and authentication confirmation information as a user's response to the SMS for authentication to the payment gateway; A fourth step of performing authentication through a certification authority using the authentication confirmation information and transmitting an authentication result value to the payment gateway; Determining a validity of the authentication result value and transmitting the authentication result value and payment information to the billing institution server according to the result; One-stop authentication and payment method using a network terminal comprising a. The method of claim 3, The payment information is a one-stop authentication and payment method using a network terminal, characterized in that for the authentication and payment of e-commerce, Internet banking. The method according to claim 3 or 4, The payment means information and the authentication confirmation information input from the mobile communication terminal are input, stored and transmitted through a single user interface driven by an integrated authentication client program. One-stop verification and payment method. The method of claim 5, Authentication information of the mobile communication terminal is a one-time authentication and payment method using a mobile communication terminal and SMS that stores the authentication information, characterized in that mounted on any one of the authentication program, RF chip, PDA chip, removable storage medium. The method of claim 6, One-time authentication and payment method using a network terminal, characterized in that further comprising the step of transmitting the billing information of the user from the billing institution server to the electronic transaction server, mobile communication network payment server, or the user's email account. The method of claim 7, wherein One-stop authentication and payment method using a network terminal, characterized in that the specific screen information can be displayed on the user's mobile communication terminal when the certificate for authentication verification is driven. The method of claim 8, The specific screen information is a one-stop authentication and payment method using a network terminal, characterized in that at least one or more of the advertising information, specific homepage information, screen information specified for each individual. In the one-stop authentication and payment method using a network terminal, A first step of transmitting payment information and a mobile communication phone number input from a network terminal of a user connected to an electronic transaction server to a payment gateway; A second step of transmitting an SMS for authentication including a callback URL to a mobile communication terminal storing user authentication information by using the transmitted mobile communication phone number; A third step of selecting a payment means by a user in response to the SMS for authentication and transmitting payment selection information, payment means information, and authentication confirmation information to the payment gateway; A fourth step of performing authentication through a certification authority using the authentication confirmation information and transmitting an authentication result value to the payment gateway; A fifth step of determining the validity of the authentication result value and transmitting the authentication result value and payment information to the billing authority server according to the result; One-stop authentication and payment method using a network terminal comprising a. The method of claim 10, The payment information is a one-stop authentication and payment method using a network terminal, characterized in that for the authentication and payment of e-commerce, Internet banking. The method of claim 9 or 10, The payment means selection information, payment means information and authentication information input from the mobile communication terminal is input, stored, and transmitted through a user interface (User Interface) driven by the integrated authentication client program, characterized in that the network One-stop authentication and payment method using the terminal. The method of claim 12, Authentication information of the mobile communication terminal is a one-stop authentication and payment method using a network terminal, characterized in that mounted on any one of an authentication program, RF chip, PDA chip, removable storage medium. The method of claim 13, One-time authentication and payment method using a network terminal, characterized in that further comprising the step of transmitting the billing information of the user from the billing institution server to the electronic transaction server, mobile communication network payment server, or the user's email account. The method of claim 14, One-stop authentication and payment method using a network terminal, characterized in that the specific screen information can be displayed on the user's mobile communication terminal when the certificate is driven by the SMS. The method of claim 15, The specific screen information is a one-stop authentication and payment method using a network terminal, characterized in that at least one or more of the advertising information, specific homepage information, screen information specified for each individual.