KR20050020422A - Method and System for Providing a Settlement Service Using a Mobile Phone - Google Patents

Abstract

PURPOSE: A method and a system for providing a payment service using a mobile terminal are provided to allow a user to pay by using a mobile terminal and reduce a password leakage possibility by opening a certain session with the mobile terminal and making the user input a password. CONSTITUTION: A payment service providing system maintains a user information database(301). The payment service providing system receives a request for payment from a POS(Point Of Sale) terminal of an affiliated store(302). The payment service providing system transmits a short message to a mobile terminal of a user(303). A certain session is opened between the payment service providing system and the mobile terminal of the user(304). The payment service providing system receives a certain password from the mobile terminal of the user through the opened session(305). The payment service providing system determines whether the inputted password is valid(306). If the inputted password is valid, the payment service providing system transmits payment authentication information to the POS terminal of the affiliated store(307).

Description

Method of providing payment service and system for providing payment service using mobile communication terminal {Method and System for Providing a Settlement Service Using a Mobile Phone}

The present invention relates to a method of providing a payment service using a mobile communication terminal. More specifically, when receiving a payment request from the user receives a number of the mobile communication terminal of the user and transmits the payment confirmation information to the number, and receives a password from the mobile communication terminal to service the payment It relates to a payment service providing method and system to provide.

Currently, the most common payment methods used by users are cash payments, checks, credit cards or IC cards. However, as the spread of mobile communication terminals has expanded, the functions of mobile communication terminals possessed by most people have been diversified. Recently, a service that allows a user to make a payment using a mobile communication terminal has also been in the spotlight.

1 is a block diagram showing a conventional payment service method for providing a payment service using a credit card.

When the user of the credit card 110 purchased goods or received a service from a merchant contracted with the credit card company 140 of the credit card 110, the user may use the credit card 110 as a payment method. When the user submits the credit card 110 to the merchant, the credit information is read from the user's credit card 110 through the merchant's credit card reader (POS terminal) 120. The credit information includes a user's name, a credit card number or a credit card company name.

After this, the user inputs an amount to be paid. The card information and payment amount are transmitted to a value added network (VAN) company 130 using a wired or wireless communication network, and the VAN company 130 classifies the credit card company 140 using the received card information. The credit card company 140 makes a payment approval request. The credit card company 140 determines whether to approve payment of the affiliated store according to the request of the VAN company 130 and notifies the VAN company 130. The VAN company 130 transmits the decision of the credit card company 140 to the credit card reader 120 of the credit card merchant to output the sales slip. If the payment is not approved, an error message is output on the sales slip, and when the payment is approved, the transaction details are output on the sales slip. When the user checks the output sales slip and signs by hand, the settlement of the transaction is terminated.

However, as shown in FIG. 1, a method of providing a payment service using a credit card has a great risk of exposing a password. In addition, the card number and expiration date are displayed on the surface of the card, so there is a high possibility of inferring and using a password. Recently, crimes that occur online or offline due to theft of credit cards or exposure of passwords are increasing. Therefore, there is a demand for a secure payment service that allows a user to trust and use a service without worrying about exposure of a password.

2 is a block diagram showing another conventional payment service method for providing a payment service using a mobile communication terminal. In the conventional payment service method of payment using the mobile communication terminal 220, the user removes a predetermined chip mounted on the card 210 such as an issued credit card, and mounts it on the mobile communication terminal 220.

In order to make a payment using the mobile terminal 220 equipped with the chip, a user must be provided with a payment service through a predetermined mobile communication terminal payment reader 230 in infrared communication.

The VAN company 240 transmits the payment request received from the user to the mobile communication terminal carrier 250 through the mobile terminal payment dedicated reader 230. The mobile communication terminal carrier 250 determines whether the payment is approved and transmits the transaction approval result back to the mobile communication terminal 220 or the affiliated store.

However, the above method requires a dedicated terminal in which a chip capable of communicating with the mobile communication terminal exclusive reader 230 is embedded. Therefore, in order to use the payment method as described above, there is an economic burden of separately purchasing the mobile communication terminal 220. In addition, in the case of using the payment method as described above, the fee charged is added to the call fee of the mobile communication terminal 220 and is settled from the mobile communication terminal carrier 250 to which the user subscribed. However, since the mobile communication terminal carrier 250 is not a financial institution such as a credit card company or a bank, only a small amount of payment of less than 50,000 won is supported.

The payment service providing method using the mobile communication terminal according to the present invention was devised to improve the conventional technology as described above, and provides a payment service providing method capable of making a large amount of payment as well as a small amount by interworking with a bank account or a credit card. It is an object to provide a system.

The present invention also provides a method and system for providing a payment service with a low risk of password leakage by allowing a payment to be performed using a mobile communication terminal and receiving a password by opening a predetermined session with the mobile communication terminal. For other purposes.

In addition, since the present invention can transfer the payment amount from the bank account from the point of view of the merchant, another object of the present invention is to provide a method and system for providing a payment service with a low fee and a fast payout.

Another object of the present invention is to provide a payment service providing method and system which enables a user to check a payment history after payment in a mobile communication terminal or a predetermined web site.

In order to achieve the above object and solve the problems of the prior art, the payment service providing method using a mobile communication terminal according to the present invention comprises a user information database for recording the number of the mobile communication terminal and the user information corresponding to the number; Maintaining the user information comprises at least one of a bank account information of the user of the mobile communication terminal or payment information including a credit card number, and a password to be used for payment; Receiving a payment request including a number and a payment amount, transmitting a short message including payment confirmation information to the mobile communication terminal in response to the payment request, in response to the user's confirmation response Opening a predetermined session with the terminal; Receiving a predetermined password from the user through a session; determining the validity of the input password with reference to the user information database; and if the password is determined to be valid, approving payment to the terminal of the affiliated store. Transmitting the information.

According to one aspect of the invention, the step of maintaining the user information database, the step of receiving the number and the payment information of the mobile communication terminal from the user-the payment information is the bank account information of the user of the mobile communication terminal Or a credit card number,-validating the payment information to authenticate the user, receiving a password to be used for the payment, encrypting the payment information and the password, the encrypted payment information And generating the user information including the password, and recording the generated user information in the user information database corresponding to the number of the mobile communication terminal.

In addition, the present invention is a user information database for recording the number of the mobile communication terminal and the user information corresponding to the number-Payment of the user information includes the bank account information, or credit card number of the user of the mobile communication terminal Information, and at least one of a password to be used for payment;-receiving a payment request including a number of the mobile communication terminal and a payment amount from a terminal of a merchant, and when a predetermined session is opened with the mobile communication terminal; Receiving module for receiving a password from a mobile communication terminal, SMS control module for controlling a short message service transmission unit for transmitting a short text message including payment confirmation information to the mobile communication terminal in response to the payment request, the short text message In response to a confirmation response with the user for A session management module for opening the predetermined session with a mobile communication terminal, a password determination module for determining the validity of the input password by referring to the user information database, and if the input password is valid as a result of the determination, to the affiliated store terminal. Provided is a payment service providing system including a transmission module for transmitting payment approval information.

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

3 is a flowchart illustrating a payment service providing method according to an embodiment of the present invention. The payment service providing method according to the present embodiment is performed in a predetermined payment service providing system. In step 301, the payment service providing system maintains a user information database in which the number of the mobile communication terminal and the user information corresponding to the number are recorded. The user information includes payment information or a password used for payment, and the payment information includes bank account information or credit card number of the user of the mobile communication terminal. The payment information may further include one or more additional information such as a name of the user who uses the mobile communication terminal, a social security number or credit card type data.

In step 302, the payment service providing system receives a payment request from a terminal of a merchant. The merchant may be a store that has contracted a payment service to use a payment service, or an automated teller machine (ATM). The merchant may enter into a transaction contract with a predetermined opening bank or credit card company to provide a settlement service, and may add a fee accordingly.

For example, when a user of the mobile communication terminal purchases an article at an affiliated store where the transaction contract is concluded, the user makes a payment using the mobile communication terminal. When the mobile terminal number and the payment amount of the user are input to a point of sale (POS) terminal installed in a merchant, the payment request including the mobile terminal number and the payment amount is transmitted from the POS terminal to a payment service providing system. .

According to another embodiment of the present invention, the affiliated store inputs routing information into the POS terminal to route the payment request to the payment service providing system. The routing information is information for routing to the payment service providing system through the terminal infrastructure (PSTN, TCP / IP, etc.) of the merchant, and the payment request is transmitted to the payment service providing system according to the routing information. According to an embodiment, an embodiment of the present invention provides a merchant with a predetermined card (hereinafter referred to as a 'routing card') that records the routing information. The POS terminal reads the routing information recorded in the routing card and transmits the payment request to the payment service providing system using the read routing information. The program provided to the POS terminal for such routing may be provided by the operator of the payment service providing system, and the program may be provided through a VAN.

In response to the payment request, the payment service providing system transmits a short message to the mobile communication terminal in step 303. The short message includes payment confirmation information. If the user of the mobile communication terminal makes a predetermined response to the short message (e.g., presses an OK button or a call button), the payment service providing system and the mobile communication terminal are determined in step 304. Your session is open. The session may be established by connecting the payment service providing system and the mobile communication terminal through a wireless application protocol gate.

For example, the payment service providing system that has received a payment request transmits a short text message as shown in Fig. 4A to the mobile terminal. The short message includes payment information ("Would you like to purchase 15,500 won at McDonald's Guro?") Including the merchant name and the payment amount as shown in FIG. When the user presses the confirmation button of the mobile communication terminal when the user wants to make a payment according to the payment information, the mobile communication terminal accesses the payment service providing system through a wireless application protocol gate. The session as described above is opened in between.

In step 305, the payment service providing system receives a predetermined password from the mobile communication terminal of the user through the open session. For example, when the session is opened, the payment service providing system causes a message as shown in FIG. 4 (b) to be displayed on the mobile communication terminal, and the user inputs a password in accordance with the message and presses a confirmation button. Press to provide to the payment service providing system. As described above, unlike other information, the password increases security by preventing the leakage of the password by opening the session and receiving the input through the session.

In step 306, the payment service providing system determines whether the input password is valid by referring to a user information database. According to another embodiment of the present invention, the payment service providing system can check the calling number to know the number of the mobile communication terminal, and retrieves a password corresponding to the number of the mobile communication terminal from the user information database. . The payment service providing system determines that the input password is valid when the retrieved password matches the password received from the mobile communication terminal.

If the password is not valid, the payment service providing system transmits a text message to re-enter the password to the mobile communication terminal of the user, and if the input password is valid, pays to the POS terminal of the affiliated store. The authorization information is sent (step 307). In this case, the process of transmitting the payment approval information from the payment service providing system to the POS terminal may be performed using the above-described routing information.

The affiliated store creates and outputs a receipt using the received payment approval information and provides the same to the user. The receipt includes the fact that the payment service was completed normally and the payment details (purchase amount, purchase place, purchase date and time).

Further, according to another embodiment of the present invention, the payment approval information is transmitted as a short text message to the mobile communication terminal as well as the affiliate store. In addition, the payment service providing system may allow the user to inquire the payment approval information through a predetermined web site. 4C illustrates an example of payment approval information transmitted to the mobile communication terminal when the input password is valid.

According to another embodiment of the present invention, a user requests a payment by accessing a predetermined web site instead of visiting the affiliated store. The payment service providing system receives the payment request through the web site instead of the terminal of the affiliated store in step 302. Also in this embodiment, since steps 303 to 306 are performed in the same manner, detailed description thereof will be omitted.

If the password received from the mobile communication terminal in step 305 is valid, the payment service providing system transmits payment approval information to the web site instead of the terminal of the affiliated store in step 306. do. The user accesses the web site, and the transaction details associated with the payment authorization information (e.g., as shown in FIG. 4 (c)), "Payment amount: 7000 / Trade name: Internet Kyobo Book / payment date : 8/11 5:00 "can be searched.

In addition, according to another embodiment of the present invention, the payment service providing system further transmits the payment approval information to the mobile communication terminal, in which case the user also through the mobile communication terminal as in the above-described embodiment. Payment approval information can be inquired.

However, the user who is provided with the payment service is a user in which the user information as described above is stored in the user information database through a registration procedure in advance in the payment service providing system.

Hereinafter, a process of registering user information and maintaining a database according to another embodiment of the present invention will be described with reference to FIG. 5.

In step 501, the payment service providing system receives the number and payment information of the mobile communication terminal from the user. The payment information includes at least one of bank account information and credit card number of the user of the mobile communication terminal. According to an embodiment, the payment information may further include one or more of the user's name, social security number or card type data.

The user may use a POS terminal installed in an affiliated store that has entered into a contract with the payment service providing system or an ATM device installed at a financial institution in order to input the number of the mobile communication terminal and the payment information. In addition, a user may visit a web site provided by the payment service providing system and perform user registration.

In step 502, the payment service providing system authenticates the user after validating the payment information received from the user. For example, the payment service providing system determines whether the credit card number included in the payment information matches the user's name or social security number or whether the credit card is a usable card. Validate and authenticate the user if validity is confirmed.

In step 503, the payment service providing system receives a password from the user. The password may be input by the user at the time of payment and may be arbitrarily selected by the user using a combination of letters, numbers or symbols selected by the user. However, the payment service providing system may use a password combining a letter and a number, or may use a plurality of letters, numbers or symbols for security.

In step 504, the payment service providing system encrypts the payment information and the password to generate user information including the encrypted payment information and the password (step 505). As such, the payment service providing system encrypts and stores the payment information and the password to prevent the information from leaking to unauthorized persons.

According to another embodiment of the present invention, a cryptographic system HSM (Hardware Security Module) is used to encrypt and store the password. The HSM encrypts the payment information and the password to protect a predetermined key value, and the HSM is implemented separately from the host system of the payment service providing system to protect the key value. In addition, an existing encryption algorithm such as Triple DES or SEED Algorithm may be used for the encryption.

In step 506, the payment service providing system records the generated user information in the user information database corresponding to the number of the mobile communication terminal. When the user information is stored in the user information database and through the above-described steps 301 to 306, the user inputs only the number and password of the mobile communication terminal when payment, withdrawal or transfer is made. It becomes possible. The user may output the sales slip from the POS terminal of the affiliated store and sign the slip by hand. However, since the password of the user's mobile communication terminal is input and authenticated in the process of user authentication, the configuration for receiving the signature is additional.

Hereinafter, a payment service providing system according to another embodiment of the present invention will be described with reference to FIGS. 6 and 7.

6 is a block diagram of a payment service providing system according to another embodiment of the present invention. The user information database 631 records the number of the user's mobile communication terminal 620 registered by the registration system as described later and user information corresponding to the number. The user information includes payment information of a user of the mobile communication terminal or a password used for payment, and the payment information includes bank account information or a credit card number.

The receiving module 632 receives a payment request including the number of the mobile communication terminal 620 and the payment amount from the POS terminal 610 of the affiliate store.

In response to the payment request, the SMS control module 633 controls the short message service transmitter 640 to transmit the short text message to the mobile communication terminal 620. The short message service transmitter 640 transmits a short message including the payment confirmation information as shown in FIG. 4A to the mobile communication terminal 620 according to the control.

When the acknowledgment of the short message is received from the user by the receiving module 632, the session managing module 634 opens a predetermined session with the mobile communication terminal 620. In this case, the session may be established by connecting to the mobile communication terminal through a wireless application protocol gate. When the session is opened, the receiving module 632 receives a password from the user.

Password determination module 635 is responsible for determining the validity of the password received from the user. According to another embodiment of the present invention, the password determination module 635 determines whether a password stored in the user information database 631 and corresponding to the number of the mobile communication terminal 620 matches the received password. By determining the validity of the received password.

As a result of the determination, if the received password is valid, the payment module 636 transmits payment approval information as shown in FIG. 4C to the affiliated store terminal 610.

On the other hand, the payment service providing system according to another embodiment of the present invention further includes a registration system 700 for recording the number of the mobile communication terminal and the user information corresponding to the number in the user information database 631.

7 is a block diagram illustrating a registration system that can be used in a payment service providing system according to another exemplary embodiment of the present invention. The registration system 740 includes an authentication processing unit 741, an encryption unit 742, and user information. The management unit 743 is included.

The registration system 740 authenticates the user by verifying the validity of the payment information input from the user through the receiving module 632 when the user intends to make a payment using the payment service providing system 630 for the first time. do.

In this case, the authentication processing unit 741 compares the number of the mobile communication terminal 620 input from the receiving module 632 with the payment information (for example, a bank account number) to determine whether the user is a legitimate user of the bank account. Determine whether or not to authenticate the user.

In this case, in order to ensure user authentication, the authentication processing unit 741 further receives additional information such as the user's name, the resident registration number of the user, etc. from the user, and compares the additional information with the number of the mobile communication terminal. You can also authenticate

When the user is authenticated as described above, the encryption unit 742 encrypts the payment information and the password.

The user information manager 743 generates user information including the encrypted payment information and the password and records the user information in the user information database 631 corresponding to the mobile communication terminal number.

Once the user is registered using the registration system 740, the registered user may perform payment using the payment service providing system 630 only by inputting a password without inputting additional payment information in subsequent payment. It becomes possible.

In addition, the registration system 740 records the changed user information in the user information database 631 even when the user wants to change the user information in addition to the initial registration.

In addition, the user may input the payment information and the password to the receiving module 632 through the mobile communication terminal 720, access a predetermined web page provided by the payment service providing system 630 via the Internet You can also type. In addition, a user registration procedure may be performed by visiting an office that provides a payment service offline. In this case, the employee of the office transmits the payment information and the password to the payment service providing system 630 so that user registration is performed.

Embodiments of the invention also include computer-readable media containing program instructions for performing various computer-implemented operations. The computer readable medium may include program instructions, data files, data structures, etc. alone or in combination. The medium or program instructions may be those specially designed and constructed for the purposes of the present invention, or they may be of the kind well-known and available to those having skill in the computer software arts. Examples of computer-readable recording media include magnetic media such as hard disks, floppy disks, and magnetic tape, optical media such as CD-ROMs, DVDs, and magnetic disks, such as floppy disks. Magneto-optical media, and hardware devices specifically configured to store and execute program instructions, such as ROM, RAM, flash memory, and the like. The medium may be a transmission medium such as an optical or metal wire, a waveguide, or the like including a carrier wave for transmitting a signal specifying a program command, a data structure, or the like. Examples of program instructions include not only machine code generated by a compiler, but also high-level language code that can be executed by a computer using an interpreter or the like.

8 is an internal block diagram of a general-purpose computer system that may be employed to perform the payment service providing method according to the present invention.

Computer system 800 includes one or more processors 801 connected to a main memory including random access memory (RAM) 802 and read only memory (ROM) 803. The processor 801 is also called a central processing unit (CPU). As is well known in the art, the ROM 803 serves to transfer data and instructions to the CPU unidirectionally, and the RAM 802 typically transfers data and instructions bidirectionally. Used to. RAM 802 and ROM 803 may include any suitable form of computer readable media. Mass storage 804 is bidirectionally coupled to processor 801 to provide additional data storage capabilities, and may be any of the computer readable recording media described above. The mass storage device 804 is used to store programs, data, and the like, and is typically an auxiliary memory device such as a hard disk which is slower than the main memory device. Certain mass storage devices such as CD ROM 806 may be used. The processor 801 may include one or more input / output interfaces such as video monitors, trackballs, mice, keyboards, microphones, touchscreen displays, card readers, magnetic or paper tape readers, voice or handwriting readers, joysticks, or other known computer input / output devices. 805 is connected. Finally, the processor 801 may be connected to a wired or wireless communication network through the network interface 807. Through this network connection, the procedure of the method described above can be performed. The apparatus and tools described above are well known to those skilled in the computer hardware and software arts.

The hardware device described above may be configured to operate as one or more software modules to perform the operations of the present invention.

According to the present invention, since registration is performed through an ATM, a POS terminal or the Internet during the registration process, and data is encrypted, a payment service providing method and system with high security for user information can be provided.

In addition, according to the present invention, it is possible to provide a payment service providing method and system capable of performing a large amount of payment as well as a small amount by interworking with a bank account or a credit card while using a mobile communication terminal.

In addition, according to the present invention, since a bank account is used, a merchant may provide a method and a system for providing a payment service having a low fee and a fast payout.

In addition, according to the present invention, even if the user does not have a plurality of bank cards or credit cards, it is possible to provide a payment service providing system and method that can perform a payment to a mobile communication terminal collectively.

In addition, according to the present invention, since various bills can be settled using a mobile communication terminal, it is possible to reduce the cost of issuing giro, and not only busy modern people can pay directly without going directly to the bank, but also recall the receipt after payment. It is possible to provide a payment service providing system and method which can be immediately confirmed through a mobile communication terminal.

In addition, according to the present invention, it is possible to provide a payment service providing system and method that can check the payment details after payment in addition to the mobile terminal through a predetermined web site.

In addition, the payment service providing method and system according to the present invention can provide a payment service providing system and method that does not need to purchase a separate terminal at the merchant because the payment is performed using an existing POS terminal (credit card reader) as it is. .

As described above, the present invention has been described by way of limited embodiments and drawings, but the present invention is not limited to the above-described embodiments, which can be variously modified and modified by those skilled in the art to which the present invention pertains. Modifications are possible. Accordingly, the spirit of the present invention should be understood only by the claims set forth below, and all equivalent or equivalent modifications thereof will belong to the scope of the present invention.

1 is a block diagram showing a method for providing a payment service using a credit card according to the prior art.

2 is a block diagram showing another conventional payment service method for providing a payment service using a mobile communication terminal.

3 is a flowchart illustrating a procedure of a payment service providing method according to an embodiment of the present invention.

4 illustrates an example of a message transmitted to a mobile communication terminal according to an embodiment of the present invention.

5 is a flowchart illustrating a process of registering user information and maintaining a user information database according to an embodiment of the present invention.

6 is a block diagram showing a payment service providing system according to another embodiment of the present invention.

Fig. 7 is a block diagram showing a registration system according to still another embodiment of the present invention.

8 is an internal block diagram of a general-purpose computer system that may be employed to perform the payment service providing method according to the present invention.

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

631: User Information Database 632: Receive Module

633: SMS control module 634: session management module

635: password determination module 636: transmission module

Claims (10)

In the payment service providing method using a mobile communication terminal, Maintaining a user information database for recording the number of the mobile communication terminal and user information corresponding to the number; the user information includes payment information including bank account information or credit card number of the user of the mobile communication terminal; And one or more passwords to use for payment; Receiving a payment request including a number of the mobile communication terminal and a payment amount from a terminal of a merchant; Transmitting a short message including payment confirmation information to the mobile terminal in response to the payment request; Opening a predetermined session with the mobile communication terminal in response to an acknowledgment of the user; Receiving a predetermined password from the user through the session; Determining the validity of the input password by referring to the user information database; And If it is determined that the password is valid, transmitting payment approval information to the terminal of the affiliated store; Payment service providing method comprising a. The method of claim 1, The step of maintaining the user information database, Receiving a number of the mobile communication terminal and the payment information from the user, wherein the payment information includes bank account information or a credit card number of the user of the mobile communication terminal; Verifying validity of the payment information to authenticate the user; Receiving a password for the payment; Encrypting the payment information and the password; Generating the user information including the encrypted payment information and the password; And Recording the generated user information in the user information database corresponding to the number of the mobile communication terminal; Payment service providing method comprising a. The method of claim 1, The step of receiving a payment request including the number and payment amount of the mobile communication terminal from the terminal of the merchant, Receiving a payment request including a number of the mobile communication terminal and a payment amount using routing information input from the terminal of the affiliate store; Including, If it is determined that the password is valid, the step of transmitting payment approval information to the terminal of the affiliated store, Transmitting the payment approval information to the terminal of the affiliated store using the routing information. Payment service providing method comprising a. The method according to claim 1 or 2, The payment information further comprises one or more of the user name, social security number or card type data. The method of claim 1, And the step of opening a predetermined session with the mobile communication terminal comprises accessing the mobile communication terminal through a wireless application protocol gate. The method of claim 1, The determining of the validity of the password, And determining whether the input password matches a password previously stored in the user information database corresponding to the calling number of the mobile communication terminal. In the payment service providing method using a mobile communication terminal, Maintaining a user information database for recording the number of the mobile communication terminal and user information corresponding to the number, wherein the user information is selected from among the bank account information, the credit card number, and the password used for payment of the user of the mobile communication terminal; Includes one or more; Receiving a payment request including a number of the mobile communication terminal and a payment amount from a predetermined payment website; Transmitting a short message including payment confirmation information to the mobile terminal in response to the payment request; Opening a predetermined session with the mobile communication terminal in response to an acknowledgment of the user; Receiving a predetermined password from the user through the session; Determining the validity of the input password by referring to the user information database; And If it is determined that the password is valid, transmitting payment approval information to the web site so that the user can inquire it. Payment service providing method comprising a. A computer-readable recording medium having recorded thereon a computer-implemented program for executing the method according to any one of claims 1 to 7. In the payment service providing system using a mobile communication terminal, A user information database for recording the number of the mobile communication terminal and user information corresponding to the number, wherein the user information includes the bank account information or the credit card number of the user of the mobile communication terminal; Contains one or more of the passwords to use; A receiving module for receiving a payment request including a number and a payment amount of the mobile communication terminal from a merchant terminal and receiving a password from the mobile communication terminal when a predetermined session is opened with the mobile communication terminal; An SMS control module for controlling a short message service transmitter to transmit a short text message including payment confirmation information to the mobile terminal in response to the payment request; A session management module which opens the predetermined session with the mobile communication terminal in response to an acknowledgment with the user to the short message; A password determination module for determining the validity of the input password by referring to the user information database; And A transmission module for transmitting payment approval information to the affiliated store terminal if the input password is valid as a result of the determination; Billing service providing system comprising a. The method of claim 9, The receiving module receives the user information from the user, A registration system for registering the user information, The registration system, An authentication processing unit which verifies the validity of the payment information to authenticate the user; An encryption unit for encrypting the payment information and the password when the user is authenticated; And A user information management unit for recording user information including the encrypted payment information and the password in the user information database corresponding to the number of the mobile communication terminal; Billing service providing system comprising a.