KR20060060521A - Electronic payment method and system - Google Patents

Abstract

The present invention relates to an electronic payment method and system that can be used for transactions on the ON-OFF LINE. The configuration of the present invention is as follows.

That is, the personal information (name, social security number, address, telephone number, etc.) of the members and the virtual account information in the DB, the virtual telephone number is presented to the buyer, and the mother-phone number of the virtual telephone number (national single number, A billing agency server having a telephone number, such as a general telephone number or an ARS telephone number, a customer's personal information (name, social security number, address, telephone number, etc.), a virtual account, and actual account information associated therewith; A financial institution server which converts the virtual account into a real account and also executes a transfer of money and, if necessary, verifies the identity of the buyer using a security card, a caller number tracking means and a caller location tracking means; Register the number as a self-phone number having the mother-number as the phone number of the payment agency server, and also detect a call to the virtual phone number to It consists of a communication company (mobile communication company and a landline telephone) server which notifies the payment agency server, a seller server having product information, and a communication device (mobile communication device and a landline telephone) of a buyer, so that a buyer computer can be used for commerce on the Internet. And the seller server and the payment agency server are interconnected on the Internet, and during the off-line commerce, only the payment agency server and the seller server are connected to the Internet network, and the payment agency server is a dedicated wired / wireless communication network. It is configured to be connected to the server and the carrier server respectively. At this time, the purchaser is configured to be connected to the communication company through the carrier telephone network (mobile communication network, wired telephone network). If necessary, financial institutions can also verify their identity by using a security card. The present invention configured as described above works as follows. In the case of a transaction on the ON-LINE, the payment agency server generates a virtual phone number and presents it to the buyer's computer by a buyer's purchase request (payment request) signal on the seller's site on the Internet. The number is generated in advance by the seller's product (by product type or product), and the seller gives it to the product by using it as a product number and presents it to the buyer, and also transmits the virtual phone number to the carrier company server so that the virtual phone number is Register the telephone number of the payment agency server with the self-phone number that is the parent phone number, and accordingly, the buyer is presented from the payment agency on the seller's site on the Internet, or in the OFF LINE that the payment agency has previously given (department store, A. Presented through the product number of the mail order booklet, TV home shopping, various bills, etc.) When a purchaser makes a call using his or her communication device (wired or wireless communication device) with the phone number as the receiving number, the service provider tracks the caller's number and, if necessary, also tracks the location of the "caller's phone number-virtual phone number". Data and, if necessary, "caller's phone number-virtual phone number-caller's location information" data, etc. are evicted and notified to the payment agency server, and the purchaser also inputs his or her virtual account information using his communication device. The "caller number-virtual telephone number (product number)-virtual account number-virtual password" data is also evicted by the telecommunication company server and notified to the payment agency server. Accordingly, the payment agency server, when paying on the ON LINE (on the Internet), evicts the "buyer member number-virtual phone number" data from the virtual phone number presented to the buyer through the seller server, and "presents" the data. Elicited the "caller's member number-virtual phone number" data from the "caller's phone number-virtual phone number" material notified by the telecommunications company and stored it as "represented data"; "Compared to the data" and "represented data" and matched, you will be recognized. If a virtual phone number is given in the form of a product number in the OFF LINE (available in the ON LINE), the buyer uses his or her communication device to press the product number (virtual phone number) and execute the call, but enhances security. Is the required purchase amount, the telephone number is also followed by the virtual account number and the virtual password after the telephone number, and the communication server according to the "caller phone number-virtual phone number-virtual account number (if entered) -Evict the "virtual password (if entered)" data and notify the billing agency server, or the billing agency server itself tracks the outgoing phone number, detects the virtual phone number and enters the virtual account information, and accordingly the DB Refers to the member number from the calling party number, and communicates with the virtual account information of the previously reported member of the member number. If the buyer's identity informed by the gentleman's server and the virtual account information match, he / she is recognized as himself. Using the "represented data" presented by the buyer and the information stored in his DB, the identity of the payment requester (buyer), who is the caller, was checked, and the call was made to the caller. If the identity verification is executed, and the purchaser also enters the virtual account information consecutively to the virtual phone number by using the communication device, the virtual account information is also checked in the "submitted data" provided by the carrier's server and again. Check. In the above process, if the identity verification and identity are confirmed, the payment agency server notifies the financial institution server of the buyer's virtual account information that the purchaser (payer requester) inputs on his PC connected to the Internet. At the time of purchase of the purchased product, the financial institution server is notified of the merchant (remittee) account information and the amount information together with the virtual account information input to the communication device. Accordingly, the financial institution converts the virtual account into a real account and transfers the requested amount from the buyer's (accounting party's) account to the seller's real account, but pays the fee for one side (buyer or seller). Electronic payment method and system characterized in that the payment is completed.

The present invention is secure because it does not expose the actual account information of the buyer on the Internet, and it is very convenient to use because payment can be made in the ON / OFF LINE using the buyer's wired / wireless telephone.

Description

Electronic payment method and system {omitted}

1 is a conceptual diagram of a system configuration of the present invention

※ Description of symbols of major parts in the drawings

1.Payment agency server (service server) 2.Seller server

3. Buyer's computer (device with built-in computer function) 4. Financial institution server

5.Communication companies (mobile carriers and landline telephone stations) 6.Buyer's communication equipment (wireless and wireless telephones)

The present invention relates to an electronic payment method and system using a wired or wireless communication network including the Internet.

The technical object of the present invention is as follows.

First: If security is not perfect, payment or remittance is made without entering the buyer's actual account information on the Internet.

Second, the payment method of the purchase price can be selected by the user (buyer, remitter). That is, the amount of payment is deducted from the user's actual account at the time of purchase or on the prescribed day of the month, or is included in other bills selected by the user (communication fee, card charge, city gas fee, etc.) Billed by the user, so that the user can make a payment for the purchase price (payment or direct payment including direct debit).

Third: Even if the information that a user (buyer, remitter) needs to enter on the seller's site is leaked to others, the other person cannot use this information alone to make payment or remittance.

Fourth: Even if someone illegally acquires or illegally copies a user's mobile device (buyer, remitter), it should not be able to make payment or remittance by itself.

Fifth: Even if another person illegally opens a mobile communication device using someone else's name (name, social security number, address, etc.), he / she should not be able to make remittance or payment using it.

Sixth: It is necessary to minimize the inconvenience by providing a structure in which the buyer can provide his or her account information without taking note of the account information.

Seventh: Payment method and system that can be used both on and off line.

The present invention is proposed to achieve the above technical object.

The prior art in this field is patent registration number 10-0314174. This is a concept of a prepaid account. The prepaid account is charged by wire transfer, and the account number of the prepaid account is configured as a phone number of a mobile communication device. Comparing one phone number, if it is the same, the payment service agent calls the phone number, sends a number in the form of a text message, and the user (buyer or remitter) who received this number on the mobile device sends the number on the Internet. It is a technology to determine whether or not to be entered in the payment window, by comparing whether the input number and the payment agent sent to the phone number is the same. The disadvantage of the above technique is that the user has to visit the bank or transfer the account to recharge the prepaid account. Also, the payment agency should call the user and send a text message to verify the identity at every payment. This resulted in an increase in the message transfer cost of the payment agency, which in turn led to an increase in the payment fee of the user.

Other prior arts include Patent Publication No. 2001-0086884, Patent Publication No. 2002-0024981, and Patent Registration No. 10-0419242. These are a kind of virtual account linked to a real account, and the number of the virtual account is the same as the phone number of the mobile communication device, and the remitter and the remittee receive memberships of the virtual accounts of their real accounts and phone numbers, respectively. After notifying in advance at the time of registration, this information is used to transmit the phone number information of this virtual account to the payment agency using the mobile communication device, and the transmitted virtual account is linked to the virtual account stored in the DB by the payment agency. It is a configuration that finds a real account and uses a real account to have a settlement agency act on behalf of a payment or remittance. In order to check whether the person requesting the payment is correct, the Patent Publication No. 2001-0086884 discloses that the payment agency recognizes the caller's telephone number as the remitter's telephone number using the caller tracking information. Find the actual account associated with the issue to take money out of this place to transfer money, Patent Publication No. 2002-0024981 uses a short text message to send the authentication number to the user and have the user enter it, the patent registration 10-0419242 is configured to input a password (password). (The concept of a virtual account linked to a real account is proposed in my prior application patent publication No. 2001-0049120 prior to the prior art.)

Disadvantages of these technologies are that payments can only be made between the remitter and the remitter of the payment agency, who are both members in advance, and must have a bank account and a mobile device at the same time for members to be able to send money. Or you can receive money. A further disadvantage of this technology is that when a third party illegally acquires or illegally copies or uses another's (user) mobile communication device, all money in his or her real account is illegally withdrawn without the user's knowledge. Is holding. This is a serious security problem. The patent registration No. 10-0419242 has a better security by using a password (password), but this also has the disadvantage that it is possible to leak illegal funds by a third party if only the password is leaked.

Another prior art is patent registration number 10-0344114. The feature of this technology is that the phone number presented when the user registers with the payment agency and the phone number entered by the user in the payment window on the Internet web are the same, and if so, which number is sent to the user in the form of a text message. And the user receives the number on his mobile communication device and inputs it in the payment window on the web, comparing the number entered in the web payment window with the payment agent sent to the phone number. If they are the same, the technology that the user recognizes as a user and the technology of determining the user's creditworthiness to postpay by using the carrier's database, and together with the payment amount (purchase amount) on the user's telecommunication bill, the carrier bills for the purchase Consists of The disadvantage of this technology is a security vulnerability that cannot be determined and prevented even if a third party illegally acquires a user's mobile communication device or illegally duplicates and uses a user's mobile communication device. Low can only be determined by the ability to pay the amount equivalent to the monthly communication fee had a disadvantage that can not be used other than small payments. In addition, by sending a short message to the user at every payment activity, the expense of the payment agency is increased, which translates into an increase in the payment agency fee, resulting in an increase in the user's payment agency fee. In addition, all payments always have to wait until the payment date of the mobile carrier from the point of purchase to increase the operating cost of the money of the seller, which is reflected in the rise in the price of the product has the disadvantage of increasing the user's purchase cost.

The above-described prior arts allow the payment agency to send a short message for every payment and have the user enter it, or to enter a password (password) to confirm the identity, or as a virtual account associated with a real bank account. It was using the phone number of. Disadvantages of these prior arts have been a disadvantage in that it is difficult to use other than a small payment due to the shortcomings of the agency's expense expenditure due to the sending of a short message as described above, and the limitation of investigating credit with only a phone number. In addition, there was a disadvantage that there is no way to block the illegal possession or illegal duplication of the user's mobile communication device, and in the case of using a phone number as a virtual account linked to a real account When a mobile communication device of a user registered as a payment agency is acquired forcibly or illegally, and payment or remittance is made using the same, money is illegally withdrawn from the user's real account.

Technical problem of the present invention proposed to solve the disadvantages of the prior art described above is as follows. That is, the wire transfer or payment is made without inputting the real account number and the password of the real account on the wired / wireless communication network including the Internet. In addition, the payment agency provides a technology for verifying the identity of the user without having to transmit to the buyer mobile communication device for identity verification. It also allows the user to choose a form of payment, allowing the payment to be debited from the user's actual account (bank account or credit card account), or invoiced and postpaid, combined with the user's telecommunications charges or other invoices of their choice. The payment method can be selected according to the user's convenience so that payment can be made. Also, a secure electronic payment method and system can be secured even when the mobile communication device is lost or illegally copied or illegally used by a third party. To provide.

[Configuration]

The system configuration of the present invention is shown in FIG. That is, information (customer account number, actual password, virtual account number, virtual password, name) of the customer, including the remitter (buyer) 3 and the remittee (seller, home shopping company, mail order company, etc.) (2). Financial institution server (4) that has a database (address, social security number, credit information, deposit information, ID, password, telephone number, etc.) in a database (DB), and a computer (PC, laptop or computer function) DB (built-in mobile communication device, PDA, etc.) 3, communication device (mobile communication device and / or landline telephone) 6 of purchaser (remitter) 3, and product information (article name, price, etc.) Merchant server (2) which has in store, billing agency server (1) which has member information (personal information and virtual account information) in DB, and communication company (mobile communication company and wireline telephone company) server which has personal information of customer in DB (5) and caller number tracking means of a communication company (mobile communication company and a wireline telephone station) And a caller position tracking means and a virtual telephone number (child-phone number) generating means attached to the mother-phone number installed in the payment agency server 1. Here, in the Internet e-commerce, the communication network connection between the buyer (sender) computer (3) and the seller server (2) means that the buyer (remitter) computer (3) and the seller (receives the remittance) by visiting the seller site on the Internet network. I) Servers 2 are interconnected via the Internet. If the remittance is between individuals, the remitter visits the payment agency site on the Internet so that the sender's computer and the payment agency server 1 are interconnected in the Internet. In this case, the remittee does not have to be connected to the remitter and the payment agency 1 through a mutual communication network. In addition, the seller server 2 is connected to the payment agency server 1 and the Internet network or a dedicated communication network. Further, the financial institution server 4 and the telecommunication company (mobile communication company and / or wireline telephone station) server 5 are connected to the payment agency server 1 by a dedicated wired / wireless communication network, respectively. In addition, the payment agency server (1) in the member's virtual account information (virtual account number, virtual password) provided by members when registering members and other information related to the member (name, address, social security number, transaction bank, mobile communication device phone number , Wired phone number, etc.) as DB. In addition, the virtual phone number generating means (program) attached to the mother-phone number is installed and configured on the payment agency server (1), but if necessary, installed on the carrier server (5), the carrier generates a virtual phone number billing agency (1 It can also be configured to supply by notification. When the virtual phone number indicates a transaction number, a different number is generated every time, and this number is generated by the payment agency server (1) by the payment agency server (1) when the buyer requests payment. Is sent to and presented to the buyer. In another configuration, the virtual phone number is configured to point to a product number. In this case, the seller may request the product number in advance and receive it from a payment agency server. Of course, the billing agency server 1 uses the virtual phone number to create and store the necessary data. That is, data of "Payment Requester (Payment Request Member Number)-Virtual Phone Number" data, or "Transaction Number-Product Number-Buyer Member Information (Phone Number, Social Security Number, etc.)-Virtual Phone Number" data if necessary. Or make a "transaction number (virtual phone number) -product number-buyer member information (phone number, social security number, etc.)" data of which the virtual phone number itself is a transaction number and store it in a DB on its server 1 do. That is, the virtual phone number may imply or be configured to imply a transaction number, a product number, or a disposable virtual account number for the recipient. The virtual telephone numbers are then configured to notify the carrier (mobile carrier and / or wireline telephone station) server 5. Then, the communication company (mobile communication company and wired telephone station) server 5 is configured to store the virtual phone number in association with the "child phone number" having the actual telephone number of the payment agency as the "parent phone number". The telephone number of the payment agency server may be a wired telephone number (eg, 1588-1234, or 02-272-1234, etc.) or a wireless telephone number (eg, 010-272-1234, etc.). If the telephone number of the billing agency server is 1588-1234, for example, the virtual telephone number is 1588 # 3333 (add a special character) or 1588-12345 (change the number of digits of the number, for example, 5-digit number). You may. In this case, the number form according to the existing regulations, for example, 1588-1234 (four-digit number) to be distinguished from the national number prescribed in the law, such that the carrier (telephone) server is a virtual telephone number according to the present invention easily It can also be configured to distinguish. If only an appointment with each telephone company is made, the virtual telephone number is composed of a structure (eg, #virtual telephone number) in which a specific character indicating a number according to the present invention is placed instead of using the number 1588. You may. On the other hand, when the communication server server 5 detects that the received number is the virtual phone number among the transmission signals of numerous communication users, it immediately determines that the call is made to the mother-phone number associated with the virtual phone number, and immediately traces the caller. Using the obtained "caller's phone number" information and the "virtual phone number" information used by the caller as the receiving number, the data of the "calling phone number-virtual phone number (receiving number)" is stored as data, and at the same time the data is stored in the " It is configured to transmit to the billing agency server 1 that is the owner of the "mother-phone number" associated with the "virtual phone number." That is, it is configured to notify the payment agency server (1), the owner of the parent telephone number of the virtual telephone number, the data indicating that a caller's telephone number is called to a virtual telephone number (receive number). In the configuration of the present invention, the telephone number of the payment agency server may be an ARS telephone number. In this case, when the buyer (remitter) calls the virtual phone number of the present invention, the buyer is connected to the ARS phone number of the billing agency server, which is the mother phone number of the virtual phone number, and then the buyer follows the voice guidance. Virtual or real account) information (account number, password, etc.), and if necessary, their personal information (e.g. social security number, etc.), and in this process, the billing agency server also provides the buyer's account information and, if necessary, personal information. And, after being informed of the "caller phone number-virtual phone number" data from the telecommunications company server, use it to expel "outgoing phone number-virtual phone number-account information-personal information if necessary" data. In this case, that is, if the buyer enters his / her personal information in the ARS phone call, it may not be necessary to track the outgoing telephone number to verify the identity of the buyer.

In addition, the payment agency server (1) stores the information (virtual account number, virtual password, phone number, social security number, etc.) entered by the buyer (transmitter) through the payment window of the seller site stored in the payment agency server (1) To determine who the buyer (remitter) is requesting a payment from, and also associate and store the "virtual phone number" given to this buyer or to a transaction number given when a buyer purchases a product. do. That is, which virtual phone number was presented to which buyer, or "virtual number-product information (item number, price, etc.)-buyer input information (member number, resident registration number, telephone number, etc.)- Create a "phone number" material and save it as "presented material." In addition, the "caller phone number-presented virtual phone number (received phone number)" received from the communication company server (5) data is stored as "presented data". Then, by comparing the "presented data" and the "presented data" stored above, the telephone number entered by the buyer matches the outgoing telephone number actually tracked, and the presented virtual telephone number matches the presented virtual telephone number. In this case, it is determined that the telephone owner (owner) of the telephone number entered by the buyer requests the payment, that is, the payment request related to the transaction number of the "presented data" is determined to be reliable. When requesting a payment, a user may select and enter either a mobile phone number or a landline phone number, and perform a phone call using the phone of the phone number entered in this case, in which case the caller's phone number and the caller's phone number may be set from only one selected carrier. The caller will be notified of "outgoing phone number-virtual phone number" data for the virtual phone number used as the called number. Of course, if you select and input both, you will receive data from both wired and wireless carriers in case you are using both phones to make a call. If the buyer's virtual account number is configured to be the same as the buyer's mobile phone number or the buyer's landline phone number, the buyer only needs to enter the virtual account number without a separate phone number in the payment window. It is common sense that a virtual account number can take many forms, such as a telephone number, social security number, etc. If the payment requester is confirmed that you are the person, verify the identity again with the virtual account number and the virtual password entered by the payment requester. If the payment requester selected bank transfer as the payment method, the virtual system The merchant account information, which the payment agency server has, together with the number, the virtual password, and the payment amount entered by the payment requester, is transmitted to the financial institution server 4. Accordingly, the virtual account registration information stored in the financial institution server 4 is transmitted. By using the virtual account conversion means (program) to convert the actual account number and the actual password of the payment requester (buyer) (3), withdraw the payment request amount from the actual account of the converted payment requester (recipients who receive money) ), Excluding payment (transfer) fee (payment agency fee + carrier fee + financial institution fee). Here, when remitting between individuals, the remitter may be configured to bear the remittance fee. In this case, the amount corresponding to the transfer fee will be withdrawn from the sender's account. Here, the remitter's account should be entered in the Remittee field of the remittance window, which will be displayed when visiting the payment agency's account when transferring money between individuals. When paying for a purchase by visiting a seller's site, the buyer (sender) enters his virtual account number and virtual password in the seller's payment window and clicks the payment button. When sending the virtual account number and the virtual password of the billing agency server (1) is also configured to send the seller's own information (seller membership number information, real account or virtual account), so that the payment requester (3) is out of date It is configured not to enter the account information. If the payment requester selects "pay on postpay with other bills," the payment is sent to the company or agency involved in the other bills and personal information of the requesting person for approval, and the other bills are requested accordingly. Companies or organizations (eg, telecommunications companies, city gas companies, KEPCO, credit card companies, etc.) that are related to the amount of money that can be postpaid can be charged using the personal information of the payment requester and the information stored in the customer. If it is determined that the customer is a possible credit, an authorization signal is sent to the payment agency server informing that the payment can be made, and according to the signal, the payment agency server 1 sends a signal to the payment requester (buyer) computer 3 to approve the payment. Sent through the seller's server (2), keep it as data, and also notify the company or institution related to the other bill to be included in the other bill It is configured to be charged.

In the configuration of the present invention as described above, the virtual telephone number generation means (program) may be configured to be installed in the communication company server 5 without being installed in the payment agency server 1. In this case, when the payment agency server 1 receives the payment request signal from the payment requester, the payment agency server 1 sends a signal requesting the generation of the virtual phone number to the telecommunication company (mobile communication company, wired telephone company) server 5. By using this signal, the communication company (mobile communication company, wireline telephone station) server 5 may be configured to generate a virtual phone number associated with the actual phone number of the payment agency and transmit it to the payment agency server 1. At this time, the virtual telephone number may be configured to generate a different number every time as described above, in which case the virtual telephone number refers to a kind of transaction number. In addition, if necessary, the same virtual phone number may be assigned to the same product of the same seller. In this case, the virtual phone number refers to a kind of product number and is used in a payment embodiment using the product number of the present invention.

After the payment of the payment requester is completed, the payment agency server 1 is configured such that the role and function is terminated after the payment is completed, if the virtual telephone number presented to the payment requester indicates a one-time transaction number. At this time, it may be configured to disappear immediately upon receipt of the extinction signal, or may be configured to automatically disappear after a certain time after receiving the extinction signal. In the configuration in which the virtual phone number is generated differently each time to point to a transaction number, the virtual phone number once used can be used again in another transaction by immediately disappearing after the corresponding transaction is completed.

In the configuration of the present invention, the payment agency server 1 is a service server for servicing the present invention. If the financial institution or the telecommunication company directly executes the service, the payment agency server 1 is in the financial institution or the telecommunication company. It is common sense that it may be installed or integrated with the financial institution server 4 or the telecommunication company server. In this case, of course, it belongs to the scope of the present invention.

Also, in the present invention, when the purchaser registers with the financial institution as a member having a known purchaser's own security card containing a plurality of question code numbers and corresponding response code numbers, the financial institution server immediately before executing the transfer of funds. In order to confirm the identity of the user at last, the security code of the security card is sent to the buyer's mobile phone or the buyer's computer, and the buyer enters the response password on his mobile phone or computer using the security card he owns. By transmitting to the financial institution server, the financial institution server may be configured to re-verify whether or not the identity is directly compared with the purchaser's security card information in their security card DB.

[Action]

Referring to the operation of the present invention configured as described above in detail as follows.

Example 1.

In this embodiment, a buyer's computer (PC, laptop, etc.) or a seller's site on the Internet using a mobile communication device (mobile phone, PDA, etc.) 3 having a buyer's computer function capable of connecting to the Internet with a built-in computer function is available. This is a description of the operation in the embodiment of making a payment after visiting and purchasing an item.

The working stage of the present invention is as follows.

1. Member Registration Steps:

The buyer (remitter) visits a payment agency site on the Internet and selects only his / her personal information among his / her personal information (name, social security number, address, mobile telephone number, landline number, etc.) and any number that he or she is easy to remember. Provide a virtual account number with a unique number (e.g. social security number, mobile phone number, landline phone number, etc.) and the financial institution name and virtual password of the real account associated with it and register as a member. In this case, depending on the circumstances of the member applicant, only one of the landline or wireless telephone number may be presented. In this case, it is recognized as a weakening of security and may be affected by the limitation of payment amount in the future.

If necessary, the purchaser may be configured not to register a separate member with the payment agency. In this case, the payment agency may be configured to acquire the member's information by receiving the necessary member's information (personal information, virtual account information, etc.) from the financial institution where the buyer registered the virtual account.

2. Virtual Account Registration Steps:

Visiting the financial institution of the real account linked to the virtual account or visiting the financial institution site on the Internet, or when clicking the "virtual account registration" button on the payment agency site of step 1. Visit your financial institution by clicking on the Register Virtual Account button here, enter your virtual account number and virtual password in the screen that appears, and also your real account number and real password and your name. Enter your social security number, address, landline phone number, mobile phone number, etc. and click the button to request approval of virtual account registration. In this case, depending on the circumstances of the member applicant, only one of the landline or wireless telephone number may be presented. In this case, it is recognized as a weakening of security and may be affected by the limitation of payment amount in the future. If you do not want to transfer money, that is, buyers (remitters) who do not need a virtual account linked to a real account do not need to register for a virtual account visiting a financial institution at this stage. In addition, if the payment agent server and the buyer computer have perfect security, the buyer's virtual account information and the actual account information to be linked to it are connected to the payment agency server to input the account information, and the conversion of the virtual account information into the actual account information later is also performed. Of course, it can also be configured to run on the payment agency server. Embodiments of the present invention will be described based on the case of registering a account for linking a virtual account and a real account in a financial institution which is a safer method.

3. Cross-check step of member and customer information:

The payment agency server 1 and the financial institution server 4 exchange information with each other at regular intervals to determine whether the information presented by the mutual virtual member members and the virtual account customers matches each other so that only the virtual account of the person whose information matches is valid. It works by recognizing the account. In this step, the change of customer and member information due to the replacement of moving or telecommunication device or the change of installation place is required.If the customer requests a change of information, the payment agency is sure that the requested landline telephone number is installed at the new address. After confirming by checking with the telephone company server, if the mobile phone number is changed, the member and customer's name and social security number and the changed mobile phone number are sent to the mobile carrier to confirm that the change is correct. It works by changing the information stored in his DB. In this case, the request for confirmation when changing the information of the customer may be configured to be performed only at one of financial institutions or settlement agencies, and the result may be shared together.

4. Payment Request Steps:

Buyers who are registered with a payment agency and / or have registered a virtual account with a financial institution should visit the seller's site on the Internet to make a purchase, select the necessary items (usually in the shopping cart) and click the request for payment button. . The screen will change to appear in the payment window, display the amount to be paid, and also select a payment method. If you choose bank transfer, the virtual account number and virtual password entry fields appear. The buyer then enters the virtual account number and the virtual password. In addition, enter the phone number (cell phone number and / or landline phone number) and social security number in the buyer information input. If you select "Charge for telecommunications charges", you will enter the "telephone number" of the buyer's corresponding telecommunication device to which the charges will be charged.

After all the necessary information has been entered, the buyer clicks the payment request button.

Here, when the buyer clicks the payment request button on the seller site, the window for inputting the virtual account number and the virtual password does not appear, and the "virtual phone number" given by the payment agency server 1 is first given to the buyer computer ( 3) It can be configured to appear on the screen. Even if the virtual telephone numbers appear in the reverse order, they belong to the scope of the present invention. In this case, the buyer presses only the virtual phone number assigned using his mobile communication device and then presses a call button to make a call (at a low level of security), or after pressing the virtual phone number given to the buyer continuously You can configure your phone to call after pressing your virtual account number (at security level intermediate), or you can configure it to call after pressing "Virtual phone number + virtual account number + virtual password" consecutively (at higher security level). That is, the virtual telephone number may be given through the Internet network, and the purchaser may input the virtual account information for payment by using the wired / wireless communication device continuously to the virtual telephone number. In this case, for convenience of signal processing, a special character or symbol may be inserted between the virtual phone number, the virtual account number, and the virtual password.

5. Transfer account information:

The seller server 2 stores the virtual account information (virtual account number and virtual password) entered by the buyer in the above step, and the seller's own account information (the seller's own real account number or the virtual account if the virtual account is registered). Virtual account information) is transmitted to the payment agency server 1 together with the purchaser identification information and the seller identification information (member number, etc.).

6. Steps for creating and assigning a virtual phone number:

The payment agency server 1, which has been requested to approve the payment, checks the number of the member's virtual account by comparing the buyer's virtual account number and the virtual password with the data of the members stored in the server 1, It also verifies the verified member's mobile and landline numbers. Then, the virtual telephone number generated by the virtual telephone number generating means (program) is assigned to the transaction number purchased by the member of the confirmed member number and stored. That is, "transaction number-product number-amount-buyer member information (member number, telephone number resident registration number) -virtual phone number" data is stored in the payment agency server 1 as "presentation data". At the same time, the billing agency server 1 notifies the virtual telephone number to the telecommunication company (mobile telecommunication company and / or wireline telephone company) server 5, and the telecommunication company server 5 notified of this informs the notified virtual telephone number. The virtual phone number is stored in association with the real phone number of one party (payment agency server) as a self-phone number having the real phone number of the payment agency server 1 as the parent phone number. At the same time, the payment agency server 1 also transmits the virtual phone number to the buyer so that it appears on the buyer's computer 3 screen. If necessary, the virtual phone number may be transmitted in the form of an SMS text message to a purchaser's mobile phone. If the virtual phone number refers to a seller member number and a product number, the same product of the same seller is always presented with the same virtual phone number, and if the virtual phone number refers to a transaction number, Have a different virtual phone number presented for each transaction. Therefore, when the same virtual phone number is always given to the same product of the same seller, the virtual phone number may be displayed in advance on the merchandise of the seller as in the embodiment of the OFF LINE of the present invention regardless of the payment request operation of the buyer. It may be. In this case, the seller's server does not know who 'who', 'what', 'when', 'where to buy' and 'address to courier' when the purchaser completes payment and the payment agency server notifies the payment. This information is known by the information provided when the payment agency server notices the payment completion.

7. Steps to make a call to your virtual phone number:

The payment requester (buyer) makes a phone call using his or her communication device 6 (either or both of mobile communication phones and landline phones, registered) using the virtual phone number presented to him as a receiving number. Run

In this case, if the buyer inputs only other information (eg, a phone number, social security number, etc.) that can confirm the member without inputting his or her virtual account information at the request of payment, the buyer's communication device in this step. After pressing the virtual phone number using the consecutive input of the buyer's virtual account information by executing the call may be transmitted to the payment agency server 1 of the buyer's virtual account information.

8. Verify Caller ID and Virtual Phone Number:

The telecommunication company (mobile communication company and / or wireline telephone station) server 5 tracks the caller number of the caller whose virtual phone number is the receiving number, and evicts "outgoing telephone number-virtual number (receive number)" data material. Transfer to the billing agency server (1), the parent phone number owner of the virtual phone number and stores it as data. At this time, the calling party number and the owner information (name, resident registration number, etc.) of the number may also be configured to be notified to the settlement agency (1), which is the mother-phone number owner, found in the communication company's own DB. This can be found if the payment requester has changed the mobile phone number or moved and the landline phone number has changed but the payment requester has not applied for correction to the payment agency server 1 and the financial institution server 4. It is effective for encouraging payment requesters to apply for changes in their information by automatic correction or payment refusal.

If the purchaser (payment requester) enters the virtual account information through the mobile communication network or the wired communication network and inputs the virtual account information without inputting the virtual account information through the Internet network, the service provider server (5) indicates that " Connect to the outgoing phone number-virtual phone number data to evict the " outgoing phone number-virtual phone number-virtual account number-virtual password " data and to notify the billing agency server 1 to the billing agency server 1 May be configured to obtain the virtual account information of the payment requester from the communication company server 5. In this case, the telecommunication company server 5 notifies the payment agency server 1 of the data containing the buyer's virtual account information, and when the payment agency server 1 receives a signal indicating that the telecommunication company server receives the information, the telecommunication company immediately provides the virtual account information. It can be configured to destroy and eliminate the data contained in the member so that the virtual account information of the member is not left except the settlement agency itself and the financial institution.

9. Identity verification steps:

The payment agency server 1 having received the "virtual telephone number-caller telephone number" information from the telecommunication company (mobile telecommunication company and / or wireline telephone station) server 5 stores the information as "represented material", and then, the sixth step is performed. By comparing the buyer's input phone number with the outgoing phone number, and whether the virtual phone number of the presented data and the virtual phone number (received phone number) of the presented data match. If there is a match, it is determined that the telephone owner (occupant) of the telephone number entered in the payment window requests the payment. Subsequently, it finds out the member number of the phone number entered in the payment window and checks whether the member's virtual account number and the virtual password are correct, and if it is correct, the owner of the virtual account determines that the user requests payment. As a result, the payment agency server will finance the "buyer's identity information (name, social security number)-virtual account number-virtual password-payment amount-seller's account (real or virtual account) information-transaction number" Notify the institution server 4 and request a bank transfer. Here, if the purchaser (payment requester) selects the payment method as "billed in accordance with the communication fee", whether the billing amount can be charged in accordance with the communication fee by notifying the carrier server 5 and the communication telephone number. While inquiring, request a payment that is post-paid in addition to the communication fee.

If the "submitted material" and the "submitted data" do not match, it is determined that the user is not and sends a signal to the seller server 2 and the buyer computer or the buyer's mobile phone to notify the payment rejection. Causes the payment window to disappear.

10. Payment Execution Steps:

The financial institution server 4, which has received a payment request from the payment agency server 1, operates an actual account number and a real password associated with the notified virtual account number and the virtual password, and operates an account conversion means (program). Convert your account number and your real password and verify that your identity and real account number and password are correct. Also, check the deposit amount in this account, deposit more than the payment amount, and if the payment request amount is within the payment limit amount, withdraw the payment amount from the payment requester's actual account and pay the payment fee to the seller's actual account (payment) Complete the payment by transferring the remaining amount after deducting agency fee + financial institution fee + carrier fee), and also create a "Transaction Number-Receiving Account Number-Withdrawal Account Number-Amount-Transfer Time" document. After storing in the own server (4), the payment completion history data is notified to the payment agency server (1). Here, if the seller's account is not a real account but a virtual account, this is determined, and accordingly, the seller's real account is found and transferred to this account using the virtual account stored in the financial institution server 4 and the real account information linked thereto. To make a payment. In this case, the virtual account and the real account can be distinguished by the number of numbers constituting the account number or by the display of a predetermined special character or symbol attached only to the virtual account.

If the payment requester selects "charge for the communication fee" as the payment method, the payment agency server 1 displays the communication requester's communication telephone number, the amount to be paid, the payment requester's name, social security number, etc. Telecommunication company or wired telephone station) to the server (5) to request a payment in accordance with the communication fee. Accordingly, the telecommunication company server 5 compares the received data with its own DB, and all information of the payment requester (buyer) is all matched, and there is no continuous unpaid record of the communication fee for a certain period of time, or also by automatic transfer. If it is determined that there is little risk that the communication fee will be unpaid, it will be decided to approve "Billing in accordance with the communication fee". This step is to notify the payment agency server 1 to approve the payment.

11. Notification step of payment completion:

The payment agency server 1, which has been informed of the payment completion by the payment approval notification from the telecommunication company server 5 when the payment is made by the financial institution server 4 in accordance with the communication fee at the time of account transfer, is the seller server. In step (2), the transaction details of "transaction number-product number-amount-purchaser information" are transmitted, and the payment is notified.

Example 2.

This embodiment is an embodiment in the case of performing a transfer between individuals.

1. Sign Up and Virtual Account Registration Steps:

According to the steps 1, 2, and 3 of the first embodiment, the member registration and the virtual account are registered, and the payment agency server and the financial institution server cross check each other.

2. Remittance Request Steps:

The remitter visits the payment agency server (1) on the Internet, clicks the remittance button, enters the remitter's account number (real or virtual account), the remitter's own virtual account number and virtual password, and then clicks the remittance button. Click. Here, the remitter's account information is input, the remitter's virtual account information is not input, and instead, the remitter's social security number or telephone number may be input to provide only the remitter's identity information. In this case, enter the sender's virtual account information using the communication device in step 5 below.

3. Steps to verify the identity of the sender:

Check the identity (member number) of the sender by comparing the virtual account number and the virtual password entered by the transfer requester with the virtual account information of the members stored in the DB of the payment agency. In this case, if the remitter inputs only his / her personal information in step 2, the identity (member number) of the remitter is confirmed by the input personal information.

4. Create, present, and register a virtual phone number:

The billing agency server 1 generates a virtual telephone number by means of a virtual telephone number generation means, presents it to the remitter (requester), and transmits this number to a receiving telephone number using a communication device owned by the remitter (requester). Notify the user, and extract the "member number-virtual phone number" data linking the member number of the transfer requester to the virtual phone number presented to the remitter (requester) and store it in his DB as "presented data", and The virtual telephone number is also notified to the telecommunication company server to register the telephone number of its own (payment agency server) as the self-phone number as the parent phone number. In this case, when the transfer between individuals, the virtual phone number is configured to point to a transaction number to generate a different number each time.

5. Call to Virtual Phone Number Steps:

Remittance (request) to the virtual phone number presented in step 4 performs a call to his communication device. In this case, when the remitter inputs only personal information instead of his or her virtual account information in step 2, the remitter executes a call by inputting the virtual account information of the remitter consecutively to the virtual phone number.

6. Steps to verify caller ID and virtual phone number:

The telecommunication company server 5 tracks the caller's calling number which executes the call with the virtual phone number registered in its DB, finds the caller's phone number, and extracts the "caller's phone number-virtual phone number" data and pays it. Notified to the agency server (1), and accordingly, the billing agency server (1) checks the member number in its DB with the calling party's phone number and expels the "member number-virtual phone number" data and sends it as "presented data". Save it. If the remitter inputs his or her virtual account information in step 5, the telecommunication company server 5 sends the "caller phone number-virtual phone number-virtual account number-virtual password" data to the payment agency server 1; Notify me.

7. Identity verification steps:

The "presented data" (member number-virtual phone number) secured in step 4 and the "presented data" (member number-virtual phone number) created by being notified from the communication company server 5 in step 6 If they compare with each other, the transfer requester is considered to be the user of the virtual account.

8. Bank Transfer Steps:

When it is confirmed that the user is authorized, the financial institution server (4) displays the virtual account information of the remitter entered in the remittance window or inputted through the remitter's communication device, the account information of the remittee entered in the remittance window and the requested amount of remittance. Request a wire transfer with notice. Then, the financial institution server 4 converts the notified virtual account and virtual password into a real account and a real password, and also converts the account of the remittee into an actual account if the entered account turns out to be a virtual account. The transfer is performed by transferring the requested remittance amount from the account to the actual account of the recipient.

9. Notification Step of Completing Transfer:

When the remittance is completed, the settlement agency server 1 closes the remittance window while leaving a message indicating the completion of the remittance together with the amount remitted to the remitter's computer or the remitter's mobile phone.

Example 3.

This embodiment is an embodiment in which a purchaser purchases a product on an ON / OFF LINE with a product number of the present invention using a mobile communication device or a landline telephone and makes a payment. For example, if you are looking for something to buy while watching TV home shopping, you want to make a purchase by looking at a mail order booklet, or you see a product displaying the product number of the present invention on the Internet. To purchase it, or to purchase an entrance ticket or a ticket showing the product number of the present invention, to purchase an item marked with the product number of the present invention in a supermarket or a department store, or ride a bus displaying the product number of the present invention. A product with the product number of the present invention on an ON-OFF LINE, such as when a user wants to pay a fee or purchases a corresponding music CD while listening to music of a radio where the product number message of the present invention is heard at regular intervals. This is an embodiment in the case of simply purchasing and payment using the buyer's communication device (6). In this case, although it is not an essential component of the present invention, in order to eliminate the mistake of the purchase, a callback SMS message for reconfirming the content selected by the buyer (product information and price information) may be configured to be transmitted to the buyer.

1. Membership Registration and Virtual Account Registration Steps:

In the same manner as in steps 1 and 2 of the first embodiment, the member is registered in advance in the payment agency server 1, the virtual account is registered in the financial institution server 4, and the member and customer information is cross-checked.

2. Providing product information and requesting product number:

The seller server 2 requests the payment agency server 1 to assign a product number of the product they sell. At this time, information related to the product, such as the type, color, price, dimensions of the product is sent to the payment agency server (1).

A commodity here is a bill, card use amount of all goods that must be paid for, all tickets and tickets, all tangible values, services or rights, as well as various bills issued by each individual or household to pay. Giro bills and various royalty charges (communication, electricity, royalty, etc.) Jiro bills and the like are recognized as products of the present invention. In this case, the seller server 2 becomes a "giro bill issuer server", and the buyer becomes "a person who pays the amount of the bill of giro".

3. Product Number Determination Step:

The billing agency server (1) is a number (e.g. 39) for each sales company (home shopping company name or mail order company name, or seller name on the Internet, or department store name, theater name, bill issuer name, etc.). The number used to determine the product type (e.g. 23), and when the products sold are categorized by feature, for example, by color, by color (e.g. 4) and combine them into a single product number (eg 392334) and store it as a DB on your server, if it is a product number for bills, one product number is assigned to each invoice. And data of each "article number-bill invoice-amount-payer" is stored as data in the payment agency server 1. According to the above, a different product number is generated for each product type, color and dimension. Same phase If the product is sold at a home shopping company or a department store, a separate product number is created for each selling company, even if the same product is identified by the company identification number, and while the same product is sold at the same store, the product number is always the same, not disposable. If the vendor is a restaurant, there will be one item number for each type of food, but as stated above, if the invoice is a bill, a different item number will be assigned to each bill. If you need to standardize the data, you can use the symbols "-, *, #", etc. in addition to the numbers if necessary. In this case, you can use the data easily. In addition to the billing agency server (1) is a carrier ( &Quot; self-phone number ", which transmits the product number to the payment agent server 1 (mobile communication phone number and landline phone number) as " mother phone number " It is requested to register as "virtual phone number", where the product number is composed of a randomly generated number of digits and assigned to each company, product, color, and dimension, and then stored in a DB. Can also be used.

4. Steps for registering product number to virtual phone number:

Upon request of the payment agency server 1 of the third step, the carrier (mobile communication company and wireline telephone company) server 5 uses the telephone number of the payment agency server 1 as the parent-number as the product number received. -Register as a virtual phone number, which is a phone number, and save it in your DB.

5. The buyer's request for payment (calling to the virtual phone number):

When a buyer finds a product to buy in TV home shopping, in a mail order booklet, at a department store, in front of a theater, or at a train station, or wants to pay the billed amount of a bill, he or she must Press the product number (in case of bill, bill number) displayed in order to purchase goods or invoice, and then press your virtual account information (virtual account number, virtual password) consecutively if necessary do. In this case, it is common sense that a voice signal of "receipt complete" may be heard. In this case, if the price of the product is a small amount of less than a certain amount, the virtual account information may be entered without inputting only the product number. On the contrary, if a higher security check is required due to the high price of the product, the virtual account number may be continuously entered. You can also enter a virtual password. If the product is more expensive and a larger security check is required, then the call of this step is carried out using both the mobile communication device and the landline telephone. In this case, if you also use a landline phone, payment can be made only where a wired igniter is installed. In the call execution in this step, special characters or symbols may be inserted between the virtual telephone number, the virtual account number, and the virtual password to facilitate signal processing.

6. Verify and notify caller ID and virtual phone number:

The carrier server 5 immediately tracks the call and finds the caller's phone number if the received number is found to be the virtual phone number among numerous communications, and finds out the "caller's phone number-virtual phone number (product number, receiving number)" data. Eject and store the data, and if the virtual account information is entered after the virtual phone number, it is recognized and recognized as "caller's phone number-virtual phone number (product number)-virtual account number (if entered)-virtual password (if entered). Evict the data material and transmit it to the payment agency server, which is the owner of the "parent phone number" of the virtual phone number, and also store it on the carrier server 5, but with the "caller's phone number -virtual phone". Only the "number" data is stored and the "virtual account-related information is not saved. If necessary, only part of the virtual account information can be stored for a certain period of time. Yes, of course.

7. Identity verification steps:

The billing agency server 1 uses the member information stored in its DB to find a member (eg, member number 3333) using the caller's phone number sent by the mobile communication server 5, and the virtual account on the DB of the member. If the number (when input) and the virtual password (when input) and the virtual account number (when input) and the virtual password (when input) connected to the caller number notified from the communication company server in the step are compared, the identity is confirmed. If the payment amount is small and you want to verify your identity only by phone number, you can find out the purchaser's membership number from the calling phone number of the call that makes the call to the product number (virtual phone number). Payment will be made using the reported virtual account information. If the required level of security is a larger amount, the identity is further reconfirmed using the virtual account information received following the virtual telephone number. If payment is only possible at a specific location and requires greater security, a landline telephone is also used, in which case the caller's telephone number in the "call-to-virtual-phone-number" document sent from the landline server server. Use it to find out the identity of a member (e.g., member number 3333), compare this member (e.g., member number 3333) with a member identified by the carrier data (e.g., member number 3333), and if so, Complete the verification. In this step, the identity of the sender may also be determined using the sender's location information, but in this case, the purchaser uses the sender's location information only when the buyer declares that he or she will only pay at a specific location.

8. Steps to double check your purchase:

After verifying the identity, the payment agency server 1 sends the buyer (payment requester) information such as the product information selected by the buyer (item name, color, dimensions, amount, etc.) and the buyer's address (address to be delivered) to the buyer. Send it to the communication device in the form of a callback text message and confirm it and ask you to press a specific button if it is correct. If the content to be purchased is correct, the buyer notifies the payment agency server 1 of a signal to confirm by pressing the button for confirmation. If the delivery address is wrong, the correction button is pressed and the corrected address is input to the payment agency server.

9. Execution Steps for Payment (Transfer):

The payment agency server (1) confirming the identity of the user and confirming the purchase contents again in his DB using the virtual account, the virtual password, and the product number (virtual phone number, receiving number) of the member requesting payment. Inform the financial institution server 4 of the known seller membership number, product amount and seller account information. Then, the financial institution server 4 converts the notified virtual account into a real account using the information of the virtual account customers stored in its DB, and checks once more whether the real account number and the password connected to it are correct, If yes, the payment is completed by transferring the purchase amount from the real account of the member requesting payment to the real account of the seller. At this time, the remaining amount deducted from the purchase price of the product is transferred to the seller's account and deposited.

10. Payment Completion and Notification of Payment History:

When the payment is made by wire transfer, the financial institution server 4 sends the payment history data such as "seller information (member number)-amount-buyer information (name, phone number, address, social security number, etc.)-payment time". Notice the settlement completion while notifying to (1).

Example 4.

This embodiment is an embodiment of a payment method that is very simple operation commonly used on the ON-OFF LINE.

1. Membership Registration and Virtual Account Registration Steps:

As in the first, second, and third steps of the first embodiment, the member is registered with the payment agency server 1, the virtual account is registered with the financial institution server 4, and the member and customer information are cross-checked.

2. Payment Request Steps:

The buyer selects a product on the seller site on the ON LINE and clicks the payment request button to request a payment, or after selecting a product at a store on the OFF LINE, the buyer asks the seller to inquire about the purchase and the intention to make a payment.

3. Request step for payment authorization:

In accordance with the buyer's request for payment in the second step, the seller server 2 tells the payment agency server 1 the product information selected by the buyer (product number, price, color dimensions, etc. determined by the seller) and the seller's own information ( Request the approval of the payment while notifying the sales company membership number, seller account information, etc.).

4. Steps for creating, presenting and registering a virtual phone number:

The payment agency server 1 generates a virtual phone number that is a self-phone number having the telephone number of the payment agency server 1 as the mother phone number to the seller server 2 that has requested the payment approval in step 3 above. (3) Request a phone call while presenting the virtual phone number on the screen, or if the purchaser makes a purchase on the off-line, the seller transmits to the seller server 2 so that the seller orally notifies the buyer. Ask for a phone call while showing it. At the same time, the billing agency server 1 also notifies the virtual phone number to a telecommunication company (mobile communication company or a wireline telephone company) server 5 and requests registration with a virtual phone number attached to the phone number of the billing agency server 1, Accordingly, the communication company server 5 registers the virtual phone number as a self-virtual phone number having the payment agency server 1 phone number as the parent phone number.

5. Call the virtual phone number:

The payment requester (buyer) uses his communication device (mobile communication device or landline phone) to press the "virtual phone number" presented to him, followed by successively pressing his virtual account number and virtual password and executing the call. do. You can also insert special characters or symbols between the virtual phone number and the virtual account information. In addition, in the case of a small payment, the virtual account information may be omitted. If the telephone number of the payment agency server is the ARS telephone number, after the call is connected to the virtual telephone number, the virtual account information is input according to the voice guidance.

6. Tracking caller location and caller location tracking steps:

The carrier server 5 immediately tracks the caller of the call when it is confirmed that the virtual phone number is among the received numbers requesting the call, and extracts and stores the "outgoing phone number-virtual phone number" data, and also stores the location information. If the purchaser makes a call using a mobile communication device, the data on the payment requester's location range is evicted using the location information of the mobile communication base station receiving the signal. In the case of using the information on the installed address of the customer phone of the landline telephone company, the location data of the caller (buyer, payment requester) is extracted and stored as data, and combined with the "outgoing phone number-virtual phone number- Customer location information-virtual account number-virtual password "data is evicted and stored, which is the mother-phone of the virtual phone number It shall inform the owner to call the payment agency server (1). If the security may be weak if necessary, it may be configured not to enter only the virtual account number continuously after the virtual phone number or to press both the virtual account number and the virtual password. In addition, when necessary or less than a certain amount of payment, the location of the caller may not be tracked. In addition, if the phone number of the billing agency server is an ARS phone number, a voice prompt asks the buyer for the virtual phone number and the virtual account information used as the receiving number, and according to the buyer input information, the "caller phone number-virtual phone number- Virtual account information "may be ousted by the billing agency server itself.

7. Identity verification steps:

By using the member information of the payment agency server 1, the member is confirmed by the caller's telephone number found in step 6, and if the virtual account number and the virtual password are included in the receiving number, the virtual account number and the virtual password are also used. Reconfirm the identity of the payment requester who is a member. If payment is to be made only in a specific area for high security, it is judged if it is close by determining whether the location of the member's address presented at member registration and the member's origin reported from the mobile carrier are close. Of course, in the case of caller location information received from a landline telephone company, a person's address and location must match to be recognized as a person. Here, if the service provider refuses to provide information on the location of the caller who does not have his or her consent, turn on the agreement to agree to track the call location of the member (buyer, payment requester) for a few seconds at the moment of payment request. -You can also get it through OFF LINE. The identity verification of the present embodiment is to check the member first through the caller's phone number tracking, and also compare the caller's location information obtained through the caller's location tracking with the member's address (address of residence or payment location) reported when the member is reported. If a match is used, or if a mobile communication device is used and the location is similar within a certain range, the second person confirms whether or not the person requesting the payment is located near his / her address. The use of location tracking information is suitable for the payment of home shopping where payment is made at the buyer's home, and it is enforced when the member registration is requested to be executed only at a certain location.

8. Payment Execution Steps:

If the identity is confirmed, the payment agency server 1 determines the payment execution. That is, when the buyer selects a bank transfer as the payment method, the financial institution server 4 notifies the seller information (seller member number and seller account information) and the payment amount information together with the virtual account number and virtual password of the payment requester. Accordingly, the financial institution server 4 converts the virtual account into a real account, withdraws the payment request amount from the actual account of the payment requester, transfers the remaining amount excluding the fee to the seller account, and completes the payment. The payment agency server 1 is notified.

9. Notification Step of Completing Payment:

The payment agency server (1) notified of the completion of the payment is provided to the seller server (2) immediately to provide a signal indicating the completion of the payment, along with information on purchased goods, payment amount, buyer's shipping address, and buyer's phone number. Have the goods delivered by courier.

This embodiment also uses the caller's location information when needed (when requested by the buyer), so if the mobile phone device location (resident location or major payment location) reported to the payment agency is used or if a landline telephone is used It can only be used where a landline phone is installed. Therefore, in case the security is weak, it is of course possible to check the identity with only the virtual account information and not use the information of the payment requester's payment request location if necessary.

Example 5

The present embodiment is an embodiment when a user watches a digital TV having a cursor function of a positioning function and tries to purchase clothes, ornaments, furniture, food, etc. worn by the performer in the TV.

1. Registering a Member, Registering a Virtual Account and Cross-Checking Member Information:

In the same manner as in steps 1, 2, and 3 of the first embodiment, the member is registered in the payment agency server 1, the virtual account is registered in the financial institution, and the member and customer information is cross-checked.

2. Product number request step:

The seller server 2 requests the payment agency server to assign the product number while notifying the payment agency server of information (product name, price, color, dimension, manufacturer, etc.) of the product to be sold on the TV screen.

3. Determination, notification and registration of item numbers:

According to the above two steps, the payment agency server 1 generates a product number which is a virtual phone number and notifies the seller server 2, and also notifies the communication company (mobile communication company, and / or wireline telephone company) to the payment agency server ( Register the phone number of 1) as the virtual phone number which is the self-phone number with the parent phone number. The virtual telephone number (product number) is given the same virtual telephone number (product number) to the same product of the same seller.

4. Stage of purchase request and virtual phone number (item number):

When the buyer finds a product to purchase while viewing a digital TV having a cursor function for designating a location and clicks on the product to be purchased by the remote control operation, the product number (virtual phone number) appears on the TV screen and is presented to the buyer.

5.Call to Virtual Phone Number:

It is executed as in step 5 of the third embodiment.

6. Caller's Phone Number-Confirmation and Notification Step of Virtual Phone Number:

The process is carried out as in Step 6 of Example 3.

7.Identification step:

Execute as in step 7 of Example 3.

8.Reconfirm purchase details step:

The process is carried out as in Step 8 of Example 3.

9.Performance steps for payment (account transfer):

The process is carried out as in step 9 of the third embodiment.

10.Notification stage of payment completion:

Execute as in step 10 of the third embodiment.

11.Provide payment information:

Execute as in step 11 of the third embodiment.

Example 6

This embodiment is an embodiment of the present invention when using electronic money.

That is, the buyer (sender) and the seller (receiver) transfer electronic money (cyber money) to each account in the payment agency server 1 represented by their virtual account number by the remittance method or the known method of the present invention. This is an embodiment in the case of remitting and recharging and executing the electronic payment of the present invention using the electronic money. Therefore, for payment, a real account does not need to be linked to a virtual account. If necessary, it is possible to withdraw the amount from the linked real account of the virtual account which is linked in advance for recharging and transfer the money to the real account of the payment agency. In the settlement execution of the first embodiment to the fifth embodiment of the present invention, the electronic institution corresponding to the payment amount is withdrawn from the purchaser's account in the payment agency server 1 without the financial institution involved. Excluded amount is transferred to the seller's account, and the electronic money in the seller's account is executed to be exchanged for the actual currency at the seller's request later. The technology used for payment by charging the electronic money in the account on the web in the payment agency server has already been proposed in his prior application patent publication No. 2001-0049120, the embodiment used in the present invention is the present embodiment.

In constructing the present invention, the payment agency server 1 is protected by a known firewall security technology, and the communication between the payment agency server 1, the financial institution server 4 and the communication company server 5 is encrypted. It is common sense that it can be configured to be exchanged for information.

In addition, the present invention allows the buyer to use a virtual account instead of the actual account to prevent the leakage of account information due to hacking, etc., but if the payment agency server, the buyer computer, the seller server, etc. is sufficiently protected by hacking prevention means It is common sense that a buyer may enter his or her actual account instead of a virtual account at the time of entry for a payment request, and in this case, it is natural to fall within the scope of the present invention.

In addition, in the configuration of the present invention, if the payment agency allows for the purpose of the present invention to send a text message to the buyer, in the case of the first embodiment, the buyer requests a payment by entering his virtual account information in the seller site The billing agency server then presents the virtual phone number to the buyer's computer, and accordingly, the buyer uses his communication device to make a call using the virtual phone number as the receiving number. In this case, the response may be executed by reversing the order of signal flow. That is, the virtual phone number presented to the buyer may be transmitted to the buyer's mobile communication device and presented to the buyer, and the buyer's response, that is, the buyer's account information input, may also be executed through the mobile communication network or the wired communication network. That is, when a buyer enters virtual account information or his / her personal information (resident registration number, phone number, etc.) on the internet network and requests a payment, the payment agency server checks the identity of the buyer in his DB and accordingly The virtual phone number to be presented to the buyer may be transmitted to the communication device, and accordingly, the buyer may be configured to call the number (the received virtual phone number). At this time, if necessary, the virtual phone number is transmitted to the buyer's declared mobile communication device, and accordingly, the answering call to the buyer's virtual phone number may be configured to be the buyer's declared landline phone. This configuration is equally possible when transferring money from person to person.

The financial institution of the present invention may be a bank or a credit card company. In the case of credit card signing, the payment amount excluding the fee is first deposited from the credit card company account to the seller account, and if necessary, the credit card company account is first deposited from the credit card company account to the payment agency account. Will be re-deposited from the payment agency account to the merchant's account, and the buyer will be billed for post-payment, which will be credited directly to the credit card company's account by postpay on the day the credit card is used, or the buyer's actual account. After the withdrawal is automatically transferred to the credit card company account is deposited, or after the deposit from the buyer account to the payment agency account is deposited again to the credit card company account is completed payment using the credit card of the present invention.

In the above-described configuration of the present invention, the virtual account number is configured to be directly linked to the actual account number, but if necessary, that is, another virtual account for ease of mutual signal processing between the payment agency server and the financial institution server. It can also be configured to be linked to a number. That is, since the number of digits of the actual account number used by the financial institution and the number of digits of the virtual account number selected by the buyer and seller may be different, the number of digits is the same as the existing actual account number of the financial institution and the payment agency server and the finance It may be configured by associating another virtual account number which only the institution server knows and members do not know with the virtual account number of the service members, and then re-associating the "another virtual account number" with the actual account number of the financial institution. In this case, information between the service members and the payment agency server is inputted by the virtual account number known to the members, and the exchange of information between the payment agency server and the financial institution is performed by "another virtual account number associated with the virtual account number. ", The final execution of the payment may be made in the member's actual account. This case is also included in the basic scope of the present invention.

In addition, in the configuration of the present invention, the billing agency server may be made by directly tracking the caller's telephone number to the expulsion of the data "caller phone number-virtual phone number" material received. In this case, the communication company only connects the communication to the payment agency server for the call made to the virtual phone number.

In addition, when the telecommunication company server performs the tracking of the outgoing phone number of the present invention, the billing agency server is notified if the tracked outgoing phone number is actually a phone number compared to its own phone number DB. It is natural to be done. If the payment agency server directly tracks the outgoing phone number, it is natural to check whether it is an existing phone number while transmitting the tracked outgoing phone number to the carrier server. It is a matter of course that the outgoing telephone number tracking of the present invention has been through this verification process.

The effects of the present invention are as follows.

1. The present invention provides a virtual account number, a virtual password, a mobile communication number, a landline telephone number, a communication company (mobile communication company and a wire carrier) customer information, a financial institution customer information, and an installation address of a wire requester. It is very secure by verifying the member by comprehensively using information, mobile phone and landline caller phone number tracking and location tracking information, payment agency member information, and financial institution virtual account registration information. There is an augmented effect. Therefore, even if someone illegally acquires a mobile communication device or finds a virtual account number or a virtual password through hacking, it is impossible to withdraw illegal deposits unless the mobile device and the secured phone are occupied by the buyer. There is a security effect. In addition, since the information about the actual account is not used in the settlement, there is no effect of risk of information leakage about the actual account.

2. The present invention is convenient because the payment requester can select a payment for post payment in addition to payment by wire transfer and other bills.

3. The present invention has an advantage that can be applied to both ON-LINE and OFF-LINE payment.

4. In the present invention, a small amount of payment can be made to a weak security requestor, and a large amount of money can be used if strong security verification is possible because of double check using wired communication and customer credit information by customer information of a financial institution. The payment is also possible advantage.

5. If only the product number according to the present invention is attached, it is possible to purchase immediately in any situation without distinction of ON-OFF LINE, that is, if it finds the item to be purchased on the computer screen in TV home shopping or in the mail order booklet, There is an advantage that can be used for electronic payments such as bills.

6. The present invention can also be configured to pay only at the designated location (for example, the buyer's home) reported by using the buyer's location tracking information, if necessary, all information such as mobile communication device, virtual account number, virtual password There is an effect that can be safe even if exposed.

7. The present invention has the effect of reducing the cost of the payment agency because you do not have to send a text message to the buyer during payment on the Internet.

8. The present invention also has the effect of purchasing the goods on the TV screen by clicking on the goods on the digital TV with the cursor function for positioning and by calling the phone number to appear.

9. The present invention also has the effect of protecting the actual account from illegal intruders by charging the electronic money in the account on the web and using it for payment.

10. The present invention proposes a self-phone number concept that accompanies a parent-phone number, and assigns and assigns a self-phone number (commodity number), which is a different virtual phone number for each buyer, for each product type, or for each invoice. By dialing the number and using the parent phone number as the telephone number of the billing agency server 1, the mobile operator can easily signal a call to the billing agency without having to "call" while simultaneously calling many buyers. And check only the incoming phone number (sub-phone number, virtual phone number) so that it is easy to determine which order of which product is from which seller, so it is easy to process data and configure the system. It works.

Claims (18)

In a typical electronic payment method comprising using a virtual account number and a mobile communication device, 1.Member Registration Steps- That is, the buyer registers as a member while providing his / her personal information and virtual account information and actual account information to be linked to the payment agency, and the seller also registers as a member while providing his / her personal information and account information. Being given; 2. Virtual account registration step That is, the purchaser provides his / her personal information, virtual account information, actual account information to be linked to the virtual account, and registers the virtual account with the financial institution, and if necessary, the seller also registers the virtual account with the financial institution; 3. Cross-checking stages of member and customer information--that is, payment agencies and financial institutions may report information (name, social security number, address, telephone number, Exchanging virtual account information, etc.) to verify that the information matches: 4. Payment request step That is, when a buyer selects a product from a seller's site on the Internet, clicks the payment request button, selects a payment method in the subsequent payment window, and if a bank transfer is selected, the buyer enters his virtual account number and virtual password. Inputting, if it is selected to charge according to the communication fee, inputting a telephone number to which the fee is charged, followed by entering personal information (telephone number, social security number) and clicking a payment request button; 5. Transfer Account Information- That is, according to the above steps, the seller server provides information (virtual account information, personal information, phone number, etc.) input by the buyer, seller's own information (seller's member number, or deposit account information) and product information (product number, Price, etc.) to the payment agency server; 6. Generation, presentation and registration of virtual phone number That is, according to the above step, the billing agency server operates the virtual phone number generation means to generate a virtual phone number, and transmits the generated virtual phone number to the buyer computer or the buyer's mobile phone and presents it to the buyer and calls the virtual phone number. And then transmit the virtual phone number to a telecommunication company (mobile telecommunication company and a wired telephone company) to register the virtual phone number as a self-phone number whose telephone number of the payment agency server is the parent phone number. "Virtual number-Product information-Amount-Buyer input information (telephone number, social security number, name, etc.)-Virtual telephone number" data linking the virtual phone number to the transaction number to create a "data presented" to his DB Storing; 7. Call execution to virtual phone number That is, according to the above step, the purchaser calls the virtual phone number using his communication device (mobile phone and / or landline phone) to make a call, and if necessary, also presses the virtual account information following the virtual phone number. Executing a post call; 8.Steps for verifying outgoing phone number and virtual phone number That is, according to the above step, the communication company (mobile communication company and wireline telephone station) server detects a call whose virtual phone number is a receiving number by using the virtual phone number registration information stored in its DB, and then calls the virtual phone number. Tracks the caller's phone number to verify the caller's phone number, and also concatenates this information to extract the "virtual phone number-caller's phone number" data and store it in its own database; The billing agency server, which is the parent phone number, is notified, and accordingly, the billing agency server stores the notified "caller phone number-virtual phone number (receipt number)" data in its DB as "represented data". If the agency server's phone number is an ARS phone number, the billing agency server itself will display the "Calling Phone Number-Virtual Phone Number-Virtual Account Information" document. Shipment stage; 9.Identification step- That is, according to the above step, the payment agency server compares the "presented data" of the step 6 and the "represented data" of the step 8 and the phone number entered by the buyer in the payment window and the actual telephone number matched And whether the virtual phone number of the presented material and the virtual phone number of the presented material match, and if the match is matched, the owner (occupant) of the telephone number entered in the payment window of the transaction number Verifying that you are yourself; 10. Payment (Account Transfer) Execution Step- That is, if it is confirmed in step 9 that the payment requester is the user, the payment agency server immediately determines the buyer's virtual account information, the seller's account information, the payment amount, and the buyer's identity information when the bank transfer is selected as the payment method. The bank transfer request is made to the financial institution server and the transaction number is requested. If billing is made in accordance with the communication fee, the buyer's telephone number, amount and personal information are notified to the selected telecommunications company. When the bank transfer is selected as a payment method, the financial institution server converts the information of the virtual account into real account information, and then checks whether the converted real account number and password match the identity information. Is correct, the gold requested for payment from the buyer's actual account associated with the virtual account. To make a payment by depositing the remaining amount deducted from the debited amount into the seller's account, and then notifying the payment agency server of a payment completion signal, if the bill is combined with another bill, Sends a signal to the billing authority requesting that the billed amount of the bill be added to the billing bill, and the billing institution, upon its own judgment, decides to bill the post-paid amount on the requested bill, if approved. Sending a signal to approve this to the payment agency server; 11.Notification step-of settlement completion That is, the payment agency server sends a payment completion message to the seller server, and at the same time, notifies the payment details such as purchased product information, payment amount, buyer information (name, shipping address, phone number, etc.) An electronic payment method, characterized in that performed. In a typical electronic payment method comprising using a wired or wireless telephone and a virtual account, 1. Member registration, virtual account registration, cross-checking of information That is, in the same manner as in steps 1, 2, and 3 of claim 1, the buyer and the seller respectively register as a payment agency, register a virtual account with the financial institution, and the payment agency and the financial institution exchange information with each other. Cross-checking member and customer information; 2. Product number assignment request step That is, the seller server notifies its payment agent server of its product information (product name, price, color, dimensions, etc.) and company information (seller member number, company name, phone number, deposit account number, etc.) for each product type, Or requesting granting of a product number for each product; 3. Determination Step of Product Number That is, the payment agency server determines the product number for each product at the request of the product sales company or the Jiro bill issuing agency on the on-off line, stores it in connection with the product information in its DB, and requests the product number for this. Notifying the seller server; 4. Registration step to virtual phone number of product number- That is, the payment agency server notifies the product number to the telecommunication company (mobile communication company and wireline telephone company) server, and the self-phone number (virtual phone number which uses the actual phone number of the mother (telephone agency server) as the parent phone number ( Virtual phone number), and accordingly, the carrier server registers the received product number as the virtual phone number (product number), which is a self-phone number having the mother phone number of the payment agent server. Doing; 5. Indication of purchase and request for payment That is, a purchaser uses the mobile telephone device owned by his or her own and / or the landline telephone installed at his / her own residential address for the "product number (virtual phone number)", or "product number + his virtual account number", or "goods." Number + your own virtual account number + virtual password "as the incoming phone number, if the telephone number of the payment agency server is ARS, call the product number and enter the virtual account information according to the voice prompts Requesting; 6. Verification of caller's phone number and virtual phone number and notification of account information- That is, the telecommunication company (mobile communication company and / or wireline telephone station) server confirms the caller's phone number that makes a call to the virtual phone number by calling party tracking, and accordingly extracts and stores the "caller phone number-virtual phone number" data. In addition, if another number is consecutively attached to the virtual phone number, it is determined as the virtual account information, and the data of the "caller phone number-virtual phone number-virtual account information" is evicted and notified to the billing agency server. In this case, the complete information about the virtual account is not stored in the service provider server. Only the "caller phone number-virtual phone number" data is stored in the service provider server. If the payment agency server's telephone number is an ARS number, the payment agency server Self-evicting "caller phone number-virtual phone number-virtual account information" material; 7. Confirmation of identity and purchase of goods- That is, the billing agency server is notified in step 6 or, if the ARS phone number, using the data ousted by itself, to find the member number in their DB with the caller's phone number to "member number-virtual phone number" data Evicting and storing it as the received data, and also confirming that the virtual account information entered by the payment requester using his communication device is that of the confirmed member, and also recognizing the virtual telephone number as a product number, In addition, by confirming the purchased product using the product information for each item number stored in the payment agency server, to confirm "what member" wants to buy "what product", and also the virtual account information of the member Confirming whether a member is correct by checking whether the member is correct; 8. Reconfirmation of Purchase Details In other words, request to send a confirmation signal by transmitting the product information (product name, price, color, dimensions, product number, etc.) of the product to be purchased confirmed by the payment agency server in step 7 to the mobile communication phone number of the buyer found by the caller tracking And if the purchase content is correct, when the purchaser sends a confirmation signal by operating the mobile communication device, the confirmation signal is transmitted to the payment agency server to reconfirm the purchase content; 9. Account Transfer Execution Step- That is, when the payment requester is confirmed to be the owner of the virtual account, and the product to be purchased is reconfirmed by the buyer, the payment agency checks the personal information (name, social security number, phone number) and virtual account information of the payment requester found in its database. And inform the financial institution of the amount of the merchandise found in the product information DB and the seller account information, and accordingly, the financial institution uses the virtual account registration information of the customers stored in its DB to inform the virtual account that is notified. Converting the payload into a seller account, and withdrawing the product amount from the actual account of the payment requester, and transferring the amount excluding the fee from the withdrawn amount to the seller account to perform the purchase payment; 10. Notification step of payment completion- That is, when the payment is completed in step 9, the financial institution server notifies this fact to the payment agency server, and accordingly, the payment agency server notifies the fact to the seller server and, if necessary, to the mobile communication device of the payment requester. Sending a message or a signal indicating a settlement completion to notify the settlement completion; 11.Provide transaction and payment information That is, the payment agency server transmits detailed information (sold name, price, color, dimensions, buyer's name, shipping address, phone number, etc.) about the transaction for which the payment was completed to the seller server to provide the payment details to the seller server. Electronic payment method comprising the step of. In a typical electronic payment method comprising using a virtual account number and a communication device, 1. Member registration, virtual account registration and cross-check step That is, in the same manner as in steps 1, 2, and 3 of claim 1, a member is registered with the payment agency server, a virtual account is registered with the financial institution server, and the payment agency server and the financial institution server exchange information with each other. Cross-checking the information of the customers and acknowledging the matching persons as valid members and customers; 2. Selection of goods and requesting payment That is, the purchaser selects a product on the ON / OFF LINE and then clicks the payment request button without inputting the virtual account information, or requests the payment while orally notifying the seller of the payment intention on the OFF LINE; 3. Request step for payment approval That is, the seller who receives the payment request signal of the buyer in the second stage pays the product information selected by the buyer (product number and price determined by the seller itself) and information about the seller itself (sales company number, seller account information, etc.). Requesting approval of the payment while transmitting to the agency server; 4. Generation, presentation and registration of virtual phone number That is, the payment agency server stores the seller transmission information of the above three steps, and then the payment agency server generates the virtual telephone number by means of the virtual telephone number generation means, and transmits it to the purchaser's computer when requesting payment on the ON LINE. When the payment request is made, the payment is sent to the seller's computer to be presented to the buyer, and at the same time, the payment agency server also notifies the virtual telephone number to the telecommunication company (mobile telecommunication company or wired telephone company) server to provide the phone number of the payment agency server. Request registration of the virtual phone number with a child-phone number with a mother-phone number, and accordingly, the communication company server uses the virtual phone number with a child-phone number with the mother-phone number of the billing agency server. Registering; 5. Call the virtual phone number- That is, the payment requester (buyer) presses the virtual phone number (pointing to the transaction number) presented to them in order using a communication device owned by the buyer, and then executes a call. Press the virtual account number and / or the virtual password of the call to execute the call, in the case of the ARS phone number to the virtual phone number after the call is connected to the virtual phone number to enter the virtual account information, if necessary. Making a call including special characters or symbols between the virtual account number and the virtual password; 6. Tracking caller location and / or caller location tracking step- That is, when the carrier server is confirmed that it is one of the virtual telephone numbers stored in its virtual telephone number registration DB among the received numbers, it immediately traces the caller of the call, "caller telephone number-virtual telephone number (receiver received by the caller). Number used as a number) -virtual account number-virtual password "data is evicted and stored, and if the buyer location information is required, if the purchaser uses a mobile communication device, the mobile carrier server sends a signal of the caller's telephone number. When the location of the relayed mobile communication base station is found and the purchaser uses the landline telephone, the landline server server finds the installation address of the tracked telephone number in its own telephone installation address DB, and uses the mobile carrier server and Wired telephone server servers are each called "caller's phone number-virtual phone number. Number)-virtual account number (if entered)-virtual password (if entered)-caller location "data is evicted and stored and notified to the billing agency server, the parent phone number owner of the virtual phone number, if the billing agency server If the telephone number of the ARS number, the billing agency server itself oustering the "caller phone number-virtual phone number-virtual account information" material; 7. Identity verification step That is, using the payment agent's member information DB, the identity of the member is confirmed by the caller's telephone number found by the notification in step 6, and if the virtual account number and the virtual password are included in the receiving number, the virtual account number and the virtual password. In addition, when the member confirms the identity of the payment requester who is a member, and the purchaser chooses to pay only at a specific location at the time of registration, the subscriber's address location (payment location) and the member's origin reported from the carrier are determined to be close. Determining the identity of the user and verifying the identity by allowing the caller location information to be excluded from the identity verification means in case of low level security; 8. Payment (Account Transfer) Execution Steps- That is, if the identity is confirmed, the payment agency server notifies the financial institution server of the virtual request number and the virtual password of the payment requester, the amount and the seller's account number (virtual account or real account) information identified in the above steps. In this case, the bank transfer request is requested, and the financial institution server converts the virtual account into a real account, withdraws the payment amount from the buyer's (payment requester's) real account, and transfers the remaining amount excluding the required fee to the seller's real account. To complete the payment; 9. Notification of Completion of Payment and Notification of Transaction Information- That is, when the payment is completed, the payment agency server comprises a step of notifying the payment amount, buyer information, purchased product information, etc. with a signal indicating the completion of payment to the seller server. In a method of remittance between individuals by a normal electronic payment including a virtual account number and using a communication device, 1. Sign up, virtual account registration, cross-checking information That is, the step of registering the member and virtual account in accordance with steps 1, 2, 3 of claim 1, and cross-checking the registered information by the payment agency server and the financial institution server exchange information; 2. Remittance Request Step That is, the remitter clicks the remittance button on the payment agency site, and enters the remittee's account number (real or virtual account), the remitter's virtual account number and virtual password, and the remittance amount in the remittance window that appears. Inputting the remitter's personal information (telephone number, social security number, etc.), and then clicking the remittance request button; 3. Steps to verify the identity of the sender That is, the step of checking the identity (member number) of the transfer requester by comparing the virtual account number, virtual password, and identity information input in step 2 with the member information stored in the DB of the payment agency server; 4. Generation, presentation and registration of virtual phone number That is, the payment agency generates the virtual phone number by means of the virtual phone number generation means, transmits it to the computer or mobile phone of the money requestor and presents it to the money requester, and also "member number (remittance requester) -virtual phone number" data. Storing the information as "presented data" and transmitting the virtual phone number to a telecommunication company server to register a phone number of a payment agency server as a self-phone number as a parent phone number; 5. Call to Virtual Phone Number That is, the step of the transfer requester using the communication device to the phone call to the virtual telephone number presented to the transfer requester in the step 4; 6. Confirmation of calling party number and virtual phone number That is, the telecommunication company server tracks the calling party number of the call making the call to the virtual telephone number to confirm the calling telephone number, and then the data of "caller telephone number-virtual telephone number (number used by the caller as a receiving number)" data. Evict the billing agency server, and if the billing agency server's phone number is the ARS number, the billing agency server itself evicts the "caller phone number-virtual phone number-virtual account information" material, and accordingly the billing agency server Finding the member number of the transfer requester to the caller's telephone number and storing the "member number (remitter requester) -virtual phone number" material as "represented data" in its DB; 7. Identity verification step In other words, comparing the "presented data" obtained in the step 4 and the "presented data" obtained in the step 6 and the step of acknowledging the identity; 8. Bank Transfer Steps In other words, if the identity is confirmed, the payment agency server transfers the account information (virtual account information or real account information) and the remittance request amount of the remitter and the remitter entered in the remittance window of step 2 to the financial institution server while transferring the account. In response, the financial institution server converts the notified virtual account and virtual password into a real account and a real password, and also converts the account of the remittee into an actual account when the entered account turns out to be a virtual account. Withdrawing the "remitted amount of money + fee" amount from the real account of the party and transferring the remaining amount except the fee to the real account of the remittee; 9. Notification step of transfer completion- That is, when the transfer is completed, the payment agency server includes the step of closing the remittance window while leaving a message indicating the remittance amount and the completion of the remittance on the remittance window. In a typical electronic payment system comprising a mobile communication network, an internet network, a payment agency server, a buyer computer, a seller server, a financial institution server, and a buyer's communication device, It has member's personal information (name, social security number, address, phone number, etc.) and virtual account information in DB, also has a virtual phone number generation means, and notifies the seller of the virtual phone number upon request of seller. And a billing agency server having a telephone number that is a parent telephone number of the virtual telephone number, and also notifying the virtual telephone number to a telecommunication company server, and the personal information (name, Social security number, address, telephone number, etc.) and the virtual account and the actual account information associated with it, and also has a "virtual account-to-real account" conversion means and a financial institution server that executes account transfers, and pays the virtual phone number. Register the phone number of the agency server as the parent-phone number, and also the caller ID tracking means and if necessary It also has a tracking means, and accordingly, a carrier (mobile carrier and wireline telephone) server that notifies the billing agency server of the information entered by the caller, and when the buyer requests a purchase while notifying product information (product number) to the billing agency server. It consists of a seller server that requests virtual phone numbering from a billing agency server and a buyer's communication devices (mobile communication devices and landline phones) that make calls to the virtual phone number. The payment agency server is interconnected on the Internet, and when the purchaser purchases using only his / her own communication device, only the payment agency server and the seller server are connected to the Internet network, and the payment agency server is a dedicated wired / wireless communication network. It is configured to be connected to the financial institution server and the communication company server, respectively, The purchaser is configured to be connected to the carrier through a carrier network (mobile communication network, wired telephone network), and when the transaction on the ON-LINE, the payment agency server generates a virtual phone number by the buyer's payment request signal from the seller's site on the Internet Present it to the buyer's computer and store the "buyer's membership number-virtual phone number" data as "presented data". And the settlement agency server notifies the seller server, the seller gives the goods using the virtual phone number as the product number or presents it directly to the buyer, and also sends the virtual phone number to the telecommunication company server to send the virtual phone Register as a self-phone number whose number is the parent phone number of the billing agency server Accordingly, the purchaser is presented at the seller's site on the Internet by the payment agency, or through the product number of the OFF LINE (department store, mail order booklet, TV home shopping, various bills, etc.) previously assigned by the payment agency for each product. , Or when the purchaser makes a telephone call using his or her communication device (wired or wireless communication device) using the virtual phone number presented by the seller's direct notification as a receiving number, the carrier will track the caller's number and also The caller also tracks the caller's location and extracts the "caller's phone number-virtual phone number" data and, if necessary, the "caller's phone number-virtual phone number-caller's location information" data and the like, and notifies the billing agency server. The server shall be notified by the carrier and the "submission" presented by the seller to the buyer. If the "represented data" matches, the person is recognized as a person, and if necessary, the information obtained by the caller's location tracking is compared with the buyer's reported location information to determine whether he is the person, and also the information stored in the payment agency's own DB. Using the virtual account information entered by the buyer and the buyer to verify the identity of the payment requester (buyer), reconfirm the identity of the user, and also, using the buyer's communication device, the buyer enters the virtual account number followed by the virtual account information and makes a call. In the case of executing the check also the virtual account number and the virtual password from the "provided data" provided by the carrier, if the identity verification and identity is confirmed in the above process, the payment agency server and the buyer's (payment requester) virtual account information Notify the financial institution server of the seller (remittee) account information and payment (remittance) amount information found in its database Accordingly, the financial institution server converts the virtual account into a real account and transfers the requested amount from the real account of the buyer (payer) to the real account of the seller, but the fee for payment is paid by one party (seller or buyer). The payment is executed by the burden, and after the payment is completed, the payment agency server provides the information such as the sold product number, amount, buyer's delivery address, telephone number, and the like so that the purchased product is delivered by courier claim 1 , 2, 3, 4 payment method is executed, the electronic payment system characterized in that it comprises a system that is also used in the ON OFF LINE, and also commonly used for purchases and payments on TV home shopping. According to claim 1, 2, 3, 4, or 5, The payment agency (service) server is characterized in that the configuration is installed in other components of the system (for example, financial institutions or telecommunications company) so that other components of the system (financial institution or telecommunications company) also serves as the payment agent. Electronic payment methods and systems. According to claim 1, 2, 3, 4 or 5, The telephone number of the billing agency server is composed of an ARS telephone number and the buyer's account information (virtual account information or real account) from the information input by the buyer according to the voice guidance when a telephone call made to the virtual phone number is connected. Information) and, if necessary, personal information, and "call-to-virtual phone number" data from carrier servers. The electronic payment method and system, characterized in that the billing agency server directly expels "outgoing phone number-virtual phone number-account information (virtual account or real account)-buyer's personal information if necessary" data. The method according to claim 7, The purchaser identification information is a purchaser social security number, in which case the payment agency server may not use the outgoing telephone number information if necessary to identify the buyer. According to claim 1, 3, 4 or 5 above, The virtual telephone number is to be transmitted in the form of a text message from the payment agency server to the buyer communication device through a wired or wireless communication network (mobile communication only or a wired telephone network) when the buyer requests a payment to the payment agency server through the Internet network. The buyer's response (call execution to the virtual phone number and input of the virtual account information, etc.) according to the electronic payment method and system, characterized in that to be implemented through the wired and wireless communication network using the buyer communication device. According to claim 1, 2, 3, 4 or 5, And said goods are tangible goods, intangible services, bills, and the like. According to claim 1, 2, 3, 4 or 5, The product number is an electronic payment method and system, characterized in that the item appears on the digital TV screen having a positioning cursor function when presented with a click on the cursor to be presented to the buyer. According to claim 1, 2, 3, 4 or 5, The virtual account number is configured to represent an account on the web for electronic money of the buyer (sender) and seller (remittee) in the payment agency server to charge the electronic money in the buyer's account in a known manner. By using this in the payment of the present invention, the payment agency server withdraws electronic money from the account of the buyer (transmitter) at the time of the payment execution, the amount of money (electronic money) excluding the electronic money amount corresponding to the commission (remittance) The payment method and system, characterized in that the payment is completed by the payment to the account of the recipient, and later the payment agency exchanges the electronic money with the real money amount at the request of the seller (remittee). According to claim 1, 2, 3, 4 or 5 above, The virtual account number-electronic payment method and system, characterized in that consisting of a unique number (for example, wired or wireless telephone number, social security number, etc.) unique to the buyer. According to claim 1, 2, 3, 4 or 5 above, The execution of the payment- The financial institution is composed of a credit card company, the payment amount is directly deposited from the credit card company to the seller (receiver) account at the time of payment execution or once received by the payment agency to receive the goods of the buyer The signal will be re-invoiced from the payment agency account back to the merchant's account, and the buyer's payment will be deposited directly from the buyer's (remitter's) account into the credit card company's account at a later date on the date of credit card payment, or from the payment agency account. The electronic payment method and system, characterized in that the payment is carried out using the credit card of the present invention by depositing the funds back to the credit card company account. According to claim 1, 2, 3, 4 or 5 above, The association of the virtual account with the real account is such that the number of digits of the actual account number of the financial institution is linked through the "another virtual account number" known only to the payment agency server and the financial institution server, thereby making payment with the buyer (sender). And exchange information between the agency server and the virtual account number determined by the buyer, and exchange information between the payment agency server and the financial institution server with the " another virtual account number. &Quot; According to claim 1, 2, 3, 4 or 5, The generation of the virtual phone number is generated at the communication company server side by the request of the payment agency server, and registers the own phone number with the own phone number of the payment agency server as the parent phone number in the communication company's own server. And notifying the virtual phone number to the payment agency server, and causing the payment agency server to present it to the buyer again. According to claim 1, 2, 3, 4 or 5, The buyer's virtual account information is configured such that the seller's server, the billing agency server, the carrier server and the buyer's computer are identical to the buyer's actual account information if the buyer's computer is protected with sufficient security. According to claim 1, 2, 3, 4 or 5, Identity verification-In addition to the identity of the buyer and the account information, the security card's question password number is sent to the buyer's mobile phone or the buyer's computer and presented to the buyer by the financial institution server. The electronic payment method and system, characterized in that the buyer transfers to the financial institution server using a mobile phone or a purchase or a computer, and the financial institution server checks the identity by comparing the purchaser's security card data in its DB.

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