KR20060110711A - Mobile phone payment method and system using a phone number and a virtual account for wireless Internet address connection. - Google Patents

Abstract

A mobile phone settlement method using a phone number for connecting to a wireless Internet address and a virtual account, and a system thereof are provided to offer a simple operation, a high success ratio, and strict security, and participate in EC(Electronic Commerce) settlement while using an Internet address connection phone number service and a virtual account service. A seller terminal(1) sells goods to a buyer, and transfers transaction information, buyer information, and a member number or account information of a seller if the buyer requests the settlement. A PG(Payment Gateway) server(7) requests a virtual account number using a seller account as a mother account and generates/assigns a transaction number to transaction while transferring the information received from the seller terminal to a bank server(3), and transmits a settlement result received from the bank server to the seller server. The bank server transfers a settlement price to the virtual account of the seller or the account related to the transaction number from the account of the buyer in a state connected to the buyer through the wireless Internet.

Description

Mobile phone payment method and system using a phone number and a virtual account for wireless Internet address connection. {Omitted}

1 is an example of the system configuration of the present invention when the payment agency involved.

2 is an example of a system configuration of the present invention when the payment agency does not intervene.

※ Description of symbols of major parts in the drawings

1.Seller terminal (communication terminal such as PC) 2.Buyer's mobile phone

3. Financial institution (bank) server 4. Internet network

5.Wireless (Mobile) Network 6.Buyer's PC

7.Payment Agency Server

The present invention does not require a separate permission of a mobile communication company or a financial institution by using a communication service of an existing mobile communication company and a financial service of a financial institution as it is, and also has high payment success rate, simple operation, and wireless Internet. This mobile phone is to provide a new mobile phone payment method and system that can intervene in the payment on the ON / OFF LINE that can be used by any mobile phone.

In the conventional financial transaction technology using a mobile phone, a system for providing account information provided from a financial chip of a mobile phone to a mobile (banking) banking system of a bank connected through a wireless Internet using a chip-based mobile phone into which financial information is input. there was. In another technology, the WAP method of mobile phone remittance, which uses a wireless Internet to access a bank server on a buyer's mobile phone and enters their account information, and the bank or payment agency sends an SMS URL message to the buyer's mobile phone. When the OK button is pressed, a bank server or a payment agency server is connected through wireless Internet to enter their account information. The disadvantages of these prior arts are as follows.

In other words, the technology using a mobile phone based on a financial chip must be a mobile phone holder with a specific mobile phone and a mobile phone equipped with a chip of a specific financial institution, and there are disadvantages in that it cannot be used for financial transactions in the payment process other than remittance. . Another conventional technology, the WAP method is an inconvenient disadvantage that the buyer has to access and access the wireless Internet address of the bank server, and if the account number and password are exposed, the account number and password are remotely used by a third party. There was a security shortcoming to withdraw money from, and it could not be used in the payment process of e-commerce. Another prior art method of accessing a bank server by sending an SMS URL message has a disadvantage of low payment success rate. That is, the arrival success rate of the SMS text message is currently about 95%, but the buyer has a disadvantage that the probability of payment is not successful because the SMS URL message does not arrive despite the request for payment. This is a disadvantage that can lead to disputes in financial transactions in electronic commerce that must be accurate. In addition, the SMS URL method also had a disadvantage in that it could not intervene in the e-commerce payment process. All of the conventional methods are remittance by remittance method between individuals by memorizing or writing down the account number of the seller in electronic commerce. In addition, the above methods have a drawback that a payment agency cannot execute a payment method using a mobile phone without permission of a mobile communication company or a financial institution.

The present invention solves the shortcomings of the above-mentioned prior arts, and it is simple to use the Internet address connection telephone number service and the existing bank virtual account service of the existing mobile carrier without any permission for the present invention of the mobile carrier or the bank. Any operation, payment success rate, wireless Internet-enabled mobile phones can be used, all secure, and to provide a new payment method and system using a mobile phone that can intervene in electronic commerce payments.

〔Configuration〕

The configuration of the present invention is composed of the system as shown in Figs.

In other words, when a payment agency (hereinafter referred to as PG) intervenes, it is configured as shown in FIG. 1, and when PG does not intervene, that is, when the bank has a payment agency function, it is configured as a second degree.

First, the configuration of the present invention will be described in detail with reference to FIG. 1, which is a case where PG (payment agency) intervenes separately.

As shown in FIG. 1, the present invention sells a product to a buyer and when the buyer requests a payment, the transaction information (amount-goods information), the buyer information (buyer mobile number), the seller's own member number or the seller's account information is the PG server. Seller terminal to send to the bank, the transaction information and seller account information and buyer information transmitted from the seller to the financial institution server side requesting the provision of a virtual account number of the seller account to the parent account, and also the payment result bank server The PG server that is notified from the side and transmits it to the seller server side, and the payment amount from the buyer's account transmitted from the buyer's mobile phone to the seller's virtual account side while the buyer is connected through the wireless internet network (wireless network + wired internet network). Transfer the result to the PG server and send the And the buyer's account information and passwords from PC to respond password number by the purchaser of a security card access to the financial institution server and a wired internet to verify your identity of the buyer and is configured as a wireless Internet phone capabilities buyers.

If the present invention is configured not to intervene, it is configured as shown in FIG. In this case, the seller terminal transmits transaction information, buyer information (cell phone number), and the seller's own account information (or seller membership number if the account information has been given to the financial institution in advance) to the financial institution server. The financial institution server is configured to directly transfer the virtual account number having the seller account according to the parent account to the purchaser terminal (PC or mobile phone), and the notification of the payment result is also configured to be transmitted directly to the seller terminal side of the financial institution server.

In the above configuration of the present invention, the virtual account number for the seller reception is composed of a normal bank account number system. However, in another configuration, that is, when the PG is involved in payment, the transaction number form arbitrarily assigned by the PG server. It may be. If the buyer enters a virtual account number in the form of a transaction number into the payment window, the buyer's bank server asks the PG server for the actual account number of the receiving account in the form of a transaction number. In this regard, the PG server notifies the buyer bank server of the actual account for the deposit of the seller to be an account transfer. In this case, the notification of payment completion is configured such that the buyer side bank notifies the PG server side, and accordingly, the PG server notifies the seller server side of the payment completion details so that the purchased goods are delivered by courier.

In addition, the telephone number for the wireless Internet address connection may use any known number system. For example, it may be a WINC type number system developed by the Korea Internet & Security Agency, or another configuration may be a "** number" type number that is currently executed by mobile carriers independently. If another numbering system comes later, you can of course use it.

In addition, the phone number transmitted to the buyer (payer, remitter) of the present invention may be a phone number for the wireless Internet address connection as described above, another configuration for the callback SMS URL for connecting to the wireless Internet address Of course, it can also be a phone number. In this case, when the phone number is dialed, an SMS message with a wireless Internet address (URL) is transmitted to the purchaser's mobile phone, and when the buyer presses a confirmation button, the buyer accesses the corresponding wireless Internet address. Such a technique is well known, but in this case, the technical configuration of the present invention is not changed.

In addition, in the configuration of the present invention, the purchaser may predetermine his or her cell phone number to be used for payment by visiting the bank in advance or by visiting the Internet, and an account number to be used when paying with the mobile phone of the present invention. In this case, when the buyer enters the account information by mobile phone to their bank server, they enter a certain character (eg *) or a specific number (eg 88) in the Enter Remitter Account Number field. It can also be configured to mean that you pay with your specified payment account. In this case, the bank server verifies the buyer's identity with the calling party's mobile phone number.

〔Action〕

1 and 2 will be described in detail according to the embodiment according to the embodiment.

Example 1.

This embodiment is configured as shown in Figure 1, when the purchaser purchases goods or services on the Internet using their communication terminal (PC or a mobile phone capable of wireless Internet) and pays using their mobile phone Yes. As a common preliminary step of each embodiment of the present invention, the seller subscribes as a member using a virtual account number while providing his deposit account number to his bank, and each financial institution has a payment window of its own server for internet banking. Provide a site address (URL) to the carrier and register a phone number for connecting to the wireless Internet address, and the buyer applies for internet banking at his or her bank to receive a security card, and if necessary, the buyer If he wants to have a virtual account number, he or she will take the preliminary step of registering his account bank with a virtual account number that links his mobile phone number or any number to his primary payment account. Subsequent steps of the first embodiment of the present invention are as follows.

1.Purchase and payment request for goods or services:

Buyer visits a retailer site on the wired Internet using a PC, or a buyer visits a retailer site on the Internet via a wireless Internet using a mobile communication device (e.g., a mobile phone) and selects a desired product or service. It is a step of requesting a mobile phone payment of the present invention while providing information and a mobile phone number if necessary.

2.Transfer step of transaction information, buyer information and seller information:

According to the step 1, the seller server, the amount information of the goods or services selected by the buyer, the buyer information (mobile phone number), the buyer account bank name information, payment request date and time, the seller's own information (account number or PG) If the account number is provided at the time of membership registration, the seller terminal transmits the seller's member number to the PG server side, and the seller terminal requests the PG server side for a virtual account number for the seller using the seller account as the mother account.

3. Granting the transaction number and requesting the financial institution for the virtual account number:

The PG server assigns a transaction number to the data received from the seller terminal in step 2, such as "amount-buyer information (cell phone number) -seller information (account number or seller membership number) -buyer account bank name-transaction request date and time. -Transaction number "data, and then transfer data such as" amount-seller's account number-buyer's information (mobile number, etc.)-Transaction number "to the seller's account bank server and transfer the seller's account to the parent account in the transaction number. It is a step of requesting to give a virtual account number. If the PG server notifies the seller of the transaction number as a virtual account number, this step may be omitted.

4.Send and forward the receiving account's virtual account number and the phone number for connecting the wireless internet address:

In accordance with the request in step 3, the seller account bank server assigns the seller's account to the transaction number as a parent account, and assigns and stores a virtual account number assigned only to the transaction number, and then stores the virtual account number. Is transmitted to the PG server side, and then the PG server transmits it to the purchaser terminal (PC or mobile phone) side, and then the bank number DB for the connection of the wireless Internet payment window site address for each bank that the PG server has Finding the phone number for the wireless Internet address connection is also delivered to the purchaser terminal (PC or mobile phone) side, and if necessary, the "buyer's mobile phone number-amount-the virtual account number for the seller receiving" is also sent to the buyer bank server side. If necessary, the PG server may be configured to notify the buyer's payment bank name when the virtual account is requested to the merchant account bank. In this case, the financial institution server of the seller account does not request the PG server. Along with the virtual account number, the phone number for the wireless Internet address connection of the buyer's account bank server can also be transmitted.

5.The buyer enters the phone number for the wireless Internet address connection to enter the buyer's account information and security information:

The purchaser presses the telephone number for connecting to the wireless Internet address transmitted to his terminal (PC or mobile phone) using a wireless internet enabled mobile phone, and then presses a call button (or a hotkey button), and the buyer's mobile phone receives his / her payment account. After accessing the wireless internet payment window site of the bank server, the buyer inputs the receiving virtual account number of the seller received from the terminal (PC or mobile phone) in the receiving account field displayed in the payment window of the payment site. , And also in the Remittance Account column, if the buyer has his / her real account number or the buyer has a virtual account number for the buyer previously linked to his / her physical account (e.g., the buyer's virtual account linked to the buyer's billing account, e.g. mobile number) , Enter your password, then enter your password and press the OK button. After verifying the buyer's identity from the left number and password, the financial institution (bank) server locates the buyer's security card in the bank's security card DB and sends the password for any question on the buyer's security card to the buyer's mobile phone. In this step, the user inputs the response code number using the security card he / she owns. In the payment window site of this step, the buyer may directly enter the payment amount.

In addition, if the PG server transmits the "virtual account number-amount-buyer cell phone number" for the seller to the buyer bank server in step 4, and the buyer bank configures it to store it, in this step, the financial institution server may The purchaser's mobile phone number connected to the payment site of the service is recognized using a known calling number service, and then, the receiving virtual account number and the amount of the seller connected to the calling number are found. In the receiving account field, the payment window for transmitting to the connected buyer's mobile phone may be previously inputted in the receiving account column, and the payment window in which the payment amount is entered in advance in the amount column. . In this case, the purchaser enters information only in the remittance account field and the password field in the payment window of the mobile phone, and then enters a password number that responds to the following password number.

Also, in this step, the buyer recognizes the phone number for the wireless Internet address connection window of his payment bank payment window in the PG site or his payment bank site, stores it in his / her mobile phone number memory in advance, and assigns a shortcut number to it if necessary. Of course, you can also press the shortcut number every time.

6.Identification and Bank Transfer Steps:

If the account number, password and response password number entered by the buyer in step 5 are matched with the data stored in the account number, password DB and security card DB of the financial institution, the buyer financial institution server is the account that the payment requester has requested for payment. After checking with the owner, the buyer financial institution server withdraws the payment amount from the buyer's account and transfers the amount excluding the fee to the seller's receiving virtual account number to complete the payment. In this step, the payment account provided by the buyer is not a real account but the buyer's virtual account number (the buyer's virtual account linked to the buyer's real account registered with the bank in advance. If the mobile number is registered as a buyer's virtual account for purchase), the buyer's financial institution server finds the buyer's actual account number from the buyer's virtual account number DB for the buyer's payment and uses it as the account number for the buyer's payment. It will be used as.

7.Notification Step of Payment Result:

The seller's financial institution server confirms whether or not the deposit is made to the virtual account number given by the seller according to the payment result executed in step 6, and if the deposit is confirmed, the amount is immediately transferred to the PG server. After notifying the payment result data of-transaction number-deposit date and time, and storing it, the PG server notified of the "money amount-depositor (name, mobile number) to the seller terminal (PC or mobile communication device)" Etc.)-Payment date-transaction number "is the step of notifying the payment details. If necessary, the PG may also transmit payment details in the form of SMS text messages to the purchaser's mobile phone.

In the first embodiment, the seller may be a seller on the ON LINE, in another case may be a seller on the OFF LINE. If you are a seller on the OFF LINE, only the first step is slightly modified. That is, the buyer orally asks the seller for the mobile payment of the present invention, and then informs the seller verbally of the buyer's own mobile phone number and payment bank name. Accordingly, the seller performs the above two steps by accessing the PG server using his terminal (a PC or a mobile phone with wireless Internet), and then the third step or less is performed in the same manner.

Example 2.

This embodiment is a payment embodiment using a mobile phone on the ON / OFF LINE of the present invention when no PG (Payment Agency) intervenes.

The second embodiment after the preliminary steps as in the first embodiment proceeds as follows.

1.Purchase and payment request for goods or services:

A buyer visits a retailer site on the wired Internet using a PC, or a buyer visits a retailer site on the Internet through a wireless Internet using a mobile communication device (e.g., a mobile phone) and selects a desired product or service. It is a step of requesting a mobile phone payment of the present invention while providing payment bank name information.

2.Transfer step of transaction information, buyer information and seller information:

According to the above step 1, the seller server, the amount information of the goods or services selected by the buyer, the buyer information (mobile number), the buyer account bank name information, the payment request date and time information, the seller's own information (account number seller member) Number and the like) to the seller's own account bank side requesting the virtual account number assignment of the seller's own deposit account as the parent account.

3.Transaction Number Assignment Steps:

Merchant account The bank assigns a transaction number to the data received from the seller terminal (PC, server, or mobile communication device) in step 2, and then " amount-buyer information (mobile phone number) -seller information (account number or seller). Member number) -Buyer's account Bank name-Transaction request date-time-transaction number "

4.Transmission step of the receiving account virtual account number and the phone number for connecting the wireless Internet address:

Seller account bank server according to the request in the step 3, the transaction number of the seller's deposit account as the parent account, and also to store and store the virtual account number for the seller given only to the transaction number Subsequently, the virtual account number is transmitted to the purchaser terminal (PC or mobile phone) through the wired / wireless internet network, and then the seller account bank is wirelessly connected to the buyer's payment bank in a phone number DB for connecting a wireless Internet payment site address for each bank. Internet payment window Finds the phone number for the site address (URL) connection and sends it to the buyer's terminal (PC or mobile phone) with the amount to be paid.If necessary, the seller's bank server sends the buyer's bank server to the seller's bank to receive the seller related to the transaction number. You can also send "Virtual Account Number- Amount Information_Buyer's Mobile Number" in advance. A step.

5.The buyer enters the phone number for the wireless Internet address connection to enter the buyer's account information and security information:

The purchaser presses the mobile phone number for the wireless Internet payment site address connection address transmitted to his terminal (PC or mobile phone) using a wireless internet enabled mobile phone and then presses a call button. And a purchaser is then connected with the virtual account number for the seller's reception received by the user's terminal (PC or mobile phone) in the received account field and the amount field shown in the payment window of the payment window site. Enter the amount, and in the Remittance Account column, enter either your actual account number or the virtual account number for the buyer linked to your physical account (e.g., the buyer's virtual account linked to your payment account, e.g. mobile number). Then enter your password, then press the OK button. Your account number and secret After verifying the buyer's identity from the number, the financial institution (bank) server locates the buyer's security card in the bank's security card database and sends the password for any question on the buyer's security card to the buyer's mobile phone. In this step, the password is entered using the security card.

In addition, in step 4, when the buyer bank server receives the virtual account number and amount information related to the transaction number and the buyer mobile phone number from the seller bank server side, the financial institution server accesses its payment window site. The buyer's mobile phone number is recognized using a known calling number service, and then the virtual account number and the amount information related to the calling number are checked in the DB. Accordingly, the financial institution server accesses the buyer's payment window site. The payment window transmitted to the mobile phone may be configured to provide a payment window in which the financial institution server previously inputs a virtual account number and payment amount related to the transaction number in the receiving account column. In this case, the purchaser enters information only in the remittance account field and the password field in the payment window of the mobile phone, and then enters a password number that responds to the following password number.

Also, in this step, the buyer recognizes the phone number for the wireless Internet address connection for the payment bank in the PG site or the payment bank site, and stores the phone number in advance in the memory of his mobile phone number and assigns the speed dial number whenever necessary. Of course, you can use the speed dial number.

6.Identification and Bank Transfer Steps:

If the account number, password, and response password number entered by the buyer in step 5 are matched with data stored in the account number, password DB, and security card DB of the financial institution, the financial institution server determines the account holder whose payment requester has requested payment. After confirming with the identity, the financial institution server withdraws the payment amount from the buyer's account and transfers the amount excluding the fee to the seller's receiving virtual account number to complete the payment. In this step, the payment account provided by the buyer is not a real account but the buyer's virtual account number (the buyer's virtual account linked to the buyer's real account registered with the bank in advance. In the case of registering as a number, the mobile phone number becomes the buyer's virtual account for payment.) In the case of the financial institution, the financial institution finds the buyer's actual account number in the buyer's virtual account number DB and uses it as the account number for the buyer's payment. do.

In this step, the financial institution server may withdraw the payment amount from the buyer's account and deposit the payment amount to the separate account for the service, and then deposit the payment amount to the seller's account on the date of payment promised after a certain time. Even in this case, even with the fact that the payment amount is withdrawn from the buyer account, the financial institution determines that the payment is completed and proceeds to step 7 below.

7.Notification Step of Payment Result:

The seller's bank server checks in real time whether or not the deposit is made to the virtual account number given by the seller according to the payment result executed in step 6, and immediately after the deposit is confirmed, the "amount-depositor information (phone number, name, etc.) )-Transaction number-deposit date "and the payment details data to the seller terminal (server) side and stores it, if necessary, the seller bank (financial institution) server, the payment details to the buyer's mobile phone side in the form of SMS text message You can also send it.

In the second embodiment, the seller may be a seller on the ON LINE, in another case may be a seller on the OFF LINE. If you are a seller on the OFF LINE, only the first step is slightly modified. That is, the buyer orally asks the seller for the mobile phone payment of the present invention, and then informs the seller verbally of the buyer's own mobile phone number and payment bank name. Accordingly, the seller connects to his account bank server using his terminal (a PC or a mobile phone with wireless Internet), and performs the above two steps, and then the three steps or less are performed in the same manner.

Example 3.

This embodiment uses the mobile phone of the present invention in the sale (eg, TV home shopping, mail order booklet, sales on the ON / OFF LINE where the product number is displayed, etc.) without the seller's person on the store side. In the embodiment of the present invention, the mobile phone payment when the buyer mobile phone is initially connected to the payment window site of the seller bank.

Through the same preliminary steps as in the first and second embodiments, the seller does not intervene after the payment agency of the present embodiment registers as a member of the virtual account number while visiting his account bank and providing his receiving account number in advance. If not, the execution method is as follows.

1. Requesting a product number, and assigning the registration number by registering:

The seller requests the granting of a product number while providing information (amount, model name, etc.) of the product he is selling to his bank for deposit, and accordingly, the seller bank server side connects to a plurality of wireless Internet addresses secured by the seller. The seller's bank server transmits the telephone number for the wireless Internet address connection selected as the assigned product number to the Internet address of the payment window site of the product. The step of requesting the mobile carrier to connect, and if necessary, have a phone number for connecting to a wireless internet address that is pre-registered in a plurality of payment window internet addresses and may be used as a specific product number whenever necessary. to be.

2. marking the article number on the article to be presented to the buyer and selecting the desired product by the buyer;

The seller displays the item number given above to the buyer to sell to the buyer (e.g., TV home shopping, mail order booklet, etc.). It's a step in your mind.

3.Steps to perform a call on the mobile phone using the product number as a phone number:

The purchaser executes a telephone call using a mobile phone capable of wireless internet using the product number displayed on the selected product as a receiving telephone number.

4.The buyer's mobile phone accesses the seller's bank server side:

In accordance with the three-stage phone call, the buyer's mobile phone is connected to the payment window site of the merchant bank on the wireless Internet.

5.Provide the buyer's bank name, shipping address and buyer's details (e.g. mobile phone number)

In the payment information input window site of the seller bank server connected according to step 4, the buyer provides his / her bank name and also provides delivery address information and buyer's personal information (eg, a mobile phone number). .

6.Steps for assigning and transmitting virtual account numbers for receiving links to merchants and sellers:

According to step 5, the seller bank server assigns and stores a virtual account number for the seller connected to the data of the "product number-amount-buyer mobile number-transaction number", and then stores the "product number-amount-buyer mobile phone." The number-seller receiving virtual account number " information is transmitted to the buyer bank server, and at the same time, the connection of the buyer's mobile phone is linked from the seller bank server to the payment window site address of the buyer bank.

7 Entering Buyer Account Information:

According to the step 6, the buyer is connected to the payment window site of his bank, and then the virtual account number and the amount of the seller's virtual account number are pre-inputted in the received account and amount column in the payment window of the newly connected buyer bank. Appears as, and then enters the buyer's own account number and password in the corresponding input field.

8.Identification step:

The buyer financial institution server confirms the buyer's identity from the account number and password entered by the buyer, and then finds the confirmed buyer's security card information in its security card DB, and then of the security card uniquely assigned to the buyer. Send the question code number to the buyer's mobile phone, and enter the answer code number corresponding to the question code number using the security card owned by the buyer to the bank (financial institution) server in the connected state. Accordingly, the bank server compares the account number, password and response password number provided by the buyer with the information in its DB, and confirms that the person requesting the payment is the owner of the payment account. Step.

9.Account Transfer Steps:

If it is confirmed that the identity according to the eighth step, the buyer account bank server withdraws the amount to be paid from the buyer's account and deposits the amount excluding the fee into the virtual account of the seller to complete the payment.

10.Notification of Payment History:

The seller's bank server continuously checks whether or not the deposit is made to the virtual account number given by the seller, and if the deposit is confirmed, the seller's bank server sends a "value-payer information (mobile number) to the seller server (PC or terminal) side. And the like)-parcel delivery address information-deposit date and time-product number-transaction number "information request step.

In the third embodiment, if the payment agency is configured to intervene in the payment, the seller is granted by requesting a product number to the PG server, and the PG server is connected to the wireless Internet address connected to the Internet information input window of their payment information If the buyer's mobile phone makes a call to the phone number, the buyer's mobile phone accesses the payment information input window site of the PG server. Enter your bank name, amount, mobile number and delivery address on the information input window, and then press the OK button. Accordingly, the PG server transfers the "Amount-Buyer's Mobile Number-Product Number-Transaction Number" to the seller's bank server. Send a request for a virtual account number for the seller receiving only the transaction number, and accordingly The buyer's bank is notified of the virtual account number assigned only to the transaction number ", and accordingly, the PG server transmits the" buyer's mobile account number-transaction number-amount-buyer's mobile phone number "to the buyer's bank server. Linked to the buyer's bank payment window site, the buyer then enters their account number and password there, and if the PG server is configured not to send the seller's virtual account number and amount information to the buyer's bank server. The PG server transmits the virtual account number and the amount for receiving the seller to the purchaser's mobile phone. Accordingly, the buyer directly inputs the seller virtual account number and the amount in the connected payment window. Enter the password for the response using your credentials. , The buyer bank server checks whether the payment requester is the right person, and if so, the buyer bank server withdraws the payment amount from the buyer's account and transfers the amount excluding the fee to the seller's virtual account number. When the payment to the virtual account is confirmed, the seller bank side immediately transmits the payment details to the PG server, and accordingly, the PG server notifies the seller details of the payment details.

Example 4.

In this embodiment, the purchaser stores a phone number for linking a payment window URL address of his / her payment bank in his mobile phone memory and displays a product number such as TV home shopping or mail order book and does not face the seller. In the sales of the present invention, the mobile phone payment embodiment of the present invention is made when the mobile phone of the present invention is initially connected to the buyer's bank payment window site.

1. Requesting a product number and assigning a product number:

The seller requests the granting of the product number by providing information (amount, model name, etc.) and his information (account number and membership number) of the product he sells to the PG server, and the PG server requests the seller to provide the product number. And then store the data " Seller Information-Amount-Product Information-Product Number ".

2. Displaying the article number on the article to be presented to the buyer for presentation, and selecting the desired product by the buyer;

Seller displays the item number given above to the buyer to sell to the buyer (e.g. TV home shopping, mail order booklet, ON / OFF LINE driver's shop, etc.) After selecting the items you want to purchase in your mind:

3.The buyer's mobile phone accesses the payment window of the buyer's payment bank:

The purchaser recognizes in advance and uses the telephone number for connecting his payment bank payment window address (URL) stored in the mobile phone memory to connect the buyer's mobile phone to the payment window site of the buyer's bank on the wireless Internet.

4. Mobile banking of WAP method using the product number as a receiving account;

The buyer enters the item number of the product he selected in the Receiving Account column, enters the amount in the Amount column, and enters his account number in the Remittance Account column in the Payment Bank Payment Window site connected according to step 3 above. In the password input field, the user inputs his / her account password to execute the mobile banking of the conventional WAP method.

5.Identification step:

The buyer's bank server verifies the buyer's identity with the buyer's account number and password, then finds the buyer's security card information in the security card database and sends the buyer the password for the questionnaire of the security card to the buyer's mobile phone. Using the security card owned by God, the response password number is transmitted to the buyer's bank server. Accordingly, the buyer's bank server sends the account number, password, and security card response password number entered by the buyer in its DB. This step is to check whether the person requesting the payment is the owner of the payment account by comparing with the information.

6.Account number inquiry and bank transfer steps:

If the identity is confirmed, the buyer bank server inquires of the actual receiving account (seller account) related to the product number while sending the product number entered in the receiving account to the PG server. Seller's bank server withdraws the payment amount from the buyer's account, transfers the amount excluding the fee to the seller's account, and completes the payment. Transaction number "data storage step.

7.Steps to verify your home address:

Will the PG server give the buyer a shipping address? Send an SMS URL, and when the buyer presses the OK button, the buyer's mobile phone is connected to the shipping address input window site, and the buyer enters the shipping address and sends it to the PG server, which sends the "transaction number." This is the step of saving as "Home delivery address" data.

8.Notification of payment details:

The buyer's bank server notifies the PG server side of the payment completion details "Money-Depositor Information (name, mobile number, etc.)-Deposit Date-Transaction Number", and the PG server sends "Money-Money Information-Deposit Date-" It is the step of notifying the "delivery address-transaction number" data.

Example 5.

In the present embodiment, as shown in the third and fourth embodiments, in a state in which a product number is displayed and the seller and the buyer are not faced with each other, the user's mobile phone calls a separate wireless Internet address connection phone number displayed around the product number. Thus, when the purchaser mobile phone first accesses the payment window site of the PG, the mobile phone payment embodiment of the present invention is performed.

1. The seller registers the product number, the product information, and the merchant account information with the PG server:

The seller registers the merchandise information, merchandise number, and merchant account information of the merchandise to be sold to the PG server while providing them to the PG server.

2.Provide the buyer with a product number and a phone number for linking to the PG payment window site:

The seller displays and presents to the buyer a product such as a TV home shopping or a mail order booklet by displaying a phone number for linking the payment window site address (URL) of the PG together with the product number.

3.Purchaser dials the phone number for PG payment window URL and enters product number, buyer bank name information, shipping address and buyer's own information:

When a buyer finds a product they want to purchase, they press the phone number for connecting to the wireless Internet address displayed separately around the product number on the mobile phone, then press the call button (or hot key), and the buyer's mobile phone is then placed on the payment window site of the PG server. Connected via a wireless Internet network, the buyer enters the product number of the product to be purchased, the bank name of the account to be paid, the courier address and his information (name, contact information, etc.).

4.Steps to enter your link and buyer account information for your phone access:

The PG server sends the "Amount-Seller's account number-article number-transaction number" data to the buyer's bank server and stores it, and then links the buyer's mobile phone to the buyer's bank payment window site to change the connection and accordingly Entering the account number and password in the payment window of the payment bank in which the account number, amount, product number, and transaction number are displayed in advance. In this step, the seller account number may be the actual account number of the seller, or another configuration may be a virtual account number for receiving the seller. If the virtual account number, the PG server receives the request for the virtual account number to the seller bank side, and the PG server is connected to the transaction number and stored.

5.Password number exchange and identity verification by security card:

The buyer's bank server checks the buyer's identity with the account number, finds the buyer's security card information in the DB, and sends the password for the question to the buyer's mobile phone. Accordingly, the buyer uses the security card owned by the buyer to answer the password. Is entered into the mobile phone and sent to the buyer's bank server, and the buyer's bank server uses the account number, password and response password to compare with the data in its database. This step is to check.

6. Account transfer steps:

Once the identity is confirmed, the buyer bank server withdraws the amount to be paid from the buyer account and transfers the amount excluding the fee to the seller account.

7.Notification step of payment details:

After the payment is completed, the buyer's bank server notifies the PG server of the payment completion by sending payment details such as "amount-depositor information-seller account information-deposit date-product number-transaction number" to the PG server. The step of notifying the seller server side of the data "payment amount-depositor information-seller account information-deposit date and time-commodity number-transaction number-courier address" data combined with the payment history data and the courier address information. If the seller account number is a virtual account number for receiving the seller, the fact that the payment is completed comes from the seller bank server side to the PG server side, and accordingly, the purchaser's personal information and the delivery address from the transaction number connected to the PG server virtual account number. This step is to find the information in its DB and send it to the seller server.

In the above embodiments 1,2,3,4 and 5, when the buyer accesses the mobile phone to the buyer's bank and inputs the buyer's account information, a specific character (for example, *) or a specific number (for example, 88) appears in the remitter column. If you enter, the buyer's bank verifies the buyer's identity with the sender's mobile number and sends the buyer (sender) account used for payment to the payment account number specified by the payer (buyer, remitter) identified by the mobile number. It will recognize and execute a wire transfer. Here, if the amount to be paid is a small amount, the security level may be lowered. In this case, that is, in the case of a small amount of payment, identity verification by the security card may be omitted.

In the configuration of the present invention as described above, remittance between individuals is performed similarly to the conventional WAP method except for the identification process using a security card. That is, the user finds the phone number for the connection to his bank's wireless Internet address at the bank site, presses it on his mobile phone to execute the call, and then accesses the bank's remittance payment window site, where the remittee's account is located. Enter the number, amount and remitter's own account number and password, then press the OK button, and then respond to the user's security card question password number sent to the user's mobile phone using their own security card. If the user is verified, the transfer request amount is transferred from the user account to the recipient's account and the transfer is completed.

In the embodiments of the present invention, if the phone number for the wireless Internet connection may be configured as a phone number for receiving a callback SMS URL, in this case, the phone number presented to the buyer in each embodiment Press the call button and then press the OK button on the incoming SMS URL message to access the corresponding wireless Internet address. The following process is as described above.

The effect of the present invention is-

First, using a known existing mobile carrier's wireless Internet address connection telephone number service, and also using a known existing bank's merchant virtual account number service for new or existing investments of mobile carriers or financial institutions or minimized investment It is effective to enable mobile payment system for both ON / OFF LINE alone.

Secondly, the present invention allows a buyer to directly make a call by pressing a specific phone number, and thus does not rely only on the callback SMS URL message as in the prior art, thereby solving the disadvantage of failing to make a successful payment due to the non-arrival of the message.

Third, the present invention, by pressing a number of digits, or if the buyer stores it in a specific phone number storage memory portion of their mobile phone, simply press a shortcut (or speed dial) to specify it as needed, The purchaser's mobile phone is very simple to connect to the site, so the payment operation is easy.

Fourth, the present invention can be used by all mobile phone holders capable of wireless Internet only by subscribing to Internet banking, thereby enabling a wide range of consumers to use the payment system.

Fifth, the present invention allows the mobile phone to intervene in the e-commerce payment process on the ON / OFF LINE, there is a convenient effect that can process the payment on the ON / OFF LINE with one mobile phone.

Sixth, the present invention, the buyer is connected to the wired Internet via a PC, the selection and payment request of the product to the PC, the buyer account information required for payment to access the bank's Internet banking system through a separate wireless communication network By allowing buyers to directly enter their account information on the server, it is protected from hacking and thus enhances security.

Claims (11)

In a financial system using a conventional mobile phone, including a method and a system in which a buyer directly accesses a financial institution server through a wireless internet network and inputs his / her account information using a mobile phone, When the payment agency (PG) is involved in the payment, the present invention sells the goods to the buyer and when the buyer requests a payment, transaction information (amount-goods information), buyer information (buyer mobile number) and the seller's own membership number Or to provide a virtual account number of the seller account as the parent account while transmitting the seller terminal information of the seller account information to the PG server and the transaction information, seller account information, and buyer information received from the seller to the financial institution server. PG server that requests or generates a transaction number to the transaction and gives the transaction number, and receives the payment result from the bank server and sends it to the seller server, and the buyer's mobile phone while the buyer is connected through the wireless Internet. From the buyer's account sent from to the seller's virtual account or transaction number It asks the seller's actual account to transfer the payment to the real account, and transfers the result to the PG server. Also, the buyer's account information and password and the response password by the buyer's security card confirm whether the buyer is It consists of a financial institution server that checks and executes account transfer, a buyer PC accessing the wired internet network, and a buyer mobile phone functioning with wireless internet. If the payment agency does not intervene in the payment process, the seller The terminal transmits the transaction information, the buyer information (mobile phone number) and the seller's own account information (or the seller's member number if the account information has been given to the financial institution in advance), and the seller account accordingly. The merchant financial institution server uses the virtual account number of the parent account as the buyer's terminal (PC Or a mobile phone), and the notification of the payment result is directly transmitted to the seller's financial institution server (PC, server, wireless communication device, etc.), and the buyer inputs a specific letter or a specific number in the remitter's column. The mobile phone payment system using a wireless account and a virtual account for connecting to a wireless Internet address, characterized in that if the buyer's bank server recognizes this as a primary payment account previously designated by the buyer (sender). In the financial transaction method using a conventional mobile phone, including a method and a system in which a buyer directly accesses a financial institution server through a wireless Internet network using a mobile phone and inputs his / her account information, 1. Payment request step That is, the purchaser purchases goods or services at a store site on the Internet using a communication terminal (PC or mobile phone) and requests a payment; 2.Step of requesting PG server side to give virtual account number That is, the seller server transmits the transaction information-the buyer information (mobile phone number)-the buyer account bank name information-the payment request date and time information-the seller's own information (account number and / or seller membership number) to the PG server side to give the virtual account number. Requesting, from the seller terminal, to the PG server side; 3.PG server requesting the merchant bank server for the transaction number assignment and virtual account number That is, the PG server assigns a transaction number to the data received in step 2, stores it as data, and then transmits data such as "money-seller account number-transaction number" to the seller account bank server, and sends the transaction number to the transaction number. Requesting to assign a virtual account number; As such, the step includes the step of omitting when the PG server notifies the seller of the transaction number as a virtual account number; 4. Transmitting the virtual account number for receiving the seller and transmitting the virtual account number and the telephone number for connecting the wireless Internet address for the buyer bank connection to the purchaser's mobile phone- That is, the seller account bank server transmits the merchant receiving virtual account number to the PG server side, and then the PG server transfers it to the buyer terminal (PC or mobile phone) side, and then the PG server finds the buyer payment found in its DB. Delivering a telephone number for connecting to a bank's wireless Internet payment window address (URL) to a purchaser terminal (PC or mobile phone); As such, if necessary, the PG server may transmit, in advance, the "seller's receiving virtual account number-money-buyer's mobile number" to the buyer bank server and store it in advance. In addition, if necessary, the PG server may request the buyer's payment bank name to be notified when the PG server requests the merchant account bank to receive the seller's virtual account number. In addition, including the step of transmitting the phone number for the wireless Internet payment window address connection of the buyer account bank server; 5.Provide the buyer account information by calling the URL access telephone number and also exchange the security card information- In other words, when a buyer accesses a mobile phone number for a wireless internet payment window (URL) connection and provides the buyer's account information to the buyer's bank server side, and the amount and the seller's account information are not entered in the payment window in advance, The buyer entering them, and also exchanging the security card information with the buyer bank server side; 6.Identification and Bank Transfer Steps That is, the buyer's bank server uses the account number and password provided by the buyer and the security card password exchange information to verify that the payment requester is the owner of the account, and if so, withdraws the payment from the buyer's account and excludes the fee. Transferring the amount to the receiving virtual account number of the seller to complete the payment; 7.Notification step of payment details- That is, the seller's bank server that has confirmed (checked) the deposit to the virtual account number notifies the deposit details to the PG server side and stores the deposit details, and then the PG server notified of this deposits the payment details to the seller terminal (PC or mobile device). Notifying; To, if necessary, the PG server transmitting the payment details in the form of an SMS text message to the buyer mobile phone side; Mobile phone payment method using a virtual account and a phone number for the wireless Internet address connection, characterized in that comprises a In the financial transaction method using a conventional mobile phone, including a method in which a buyer directly accesses a financial institution server through a wireless internet network and inputs his / her account information using a mobile phone, 1. Payment request step That is, the purchaser purchases goods or services at a store site on the Internet using a communication terminal (PC or mobile phone) and requests a payment; 2.Steps for requesting a virtual account number for sellers That is, the seller server transmits "transaction information (amount, product number, transaction request date, etc.)-buyer information (cell phone number, payment bank name, etc.)-seller information (account number, membership number, etc.)" to the seller bank server side. Requesting a seller's virtual account number for receiving the seller's own deposit account as a mother account; 3. The seller bank server gives a transaction number to the data received in step 2 and stores it; 4.Steps for granting a virtual account number and transmitting the virtual account number for the seller's reception and the telephone number for the wireless Internet address connection- That is, the seller account bank server assigns and stores the virtual account number for the seller, which is given only to the transaction number, and stores the virtual account number, the amount to be paid, and the wireless Internet payment window site address (URL) of the buyer settlement bank. Finding a connection phone number in a DB and transmitting it to a purchaser terminal (PC or mobile phone); And, if necessary, the seller bank server comprising notifying the buyer bank server of the " virtual account number for receiving the seller- amount information-buyer mobile phone number " associated with the transaction number in advance; 5.Provide account information by calling a phone number for URL connection and also exchange credit card information- In other words, when a buyer accesses a mobile phone number for a wireless internet payment window (URL) connection and provides the buyer's account information to the buyer's bank server side, and the amount and the seller's account information are not entered in the payment window in advance, The buyer entering them, and also exchanging the security card information with the buyer bank server side; 6.Identification and Bank Transfer Steps That is, the buyer's bank server uses the account number and password provided by the buyer and the security card password exchange information to verify that the payment requester is the owner of the account, and if so, withdraws the payment from the buyer's account and excludes the fee. Transferring the amount to the receiving virtual account number of the seller to complete the payment; 7.Notification step of payment details- That is, when the payment is confirmed to the virtual account number for receiving the seller, the seller bank server immediately notifies the seller's terminal (server) of the payment completion history data and stores it; As such, if necessary, the seller's financial institution server includes transmitting the payment details in the form of an SMS text message to the purchaser's mobile phone. Mobile phone payment method using the phone number and virtual account for connecting to the wireless Internet address, characterized in that the method is configured to include According to claim 1, 2 and 3 above, A mobile phone using a wireless account and a virtual account for connection to a wireless Internet address, characterized in that the purchaser orally informs the seller of the product or service selection, the payment request, the purchaser's mobile phone number, and the payment bank name information at the store on the OFF LINE. Payment method and system. In the financial transaction method using a conventional mobile phone, including a method in which a buyer directly accesses a financial institution server through a wireless internet network and inputs his / her account information using a mobile phone, In a system configuration where no PG intervenes, 1.The step of assigning a product number and registering the product number as a telephone number for connecting to a wireless Internet address- That is, the seller on the ON / OFF LINE requests the granting of the product number while providing information (amount, model name, etc.) of the product he / she sells to the merchant account bank, and accordingly, the seller bank server secures a plurality of wireless One of the phone numbers for the Internet address connection is assigned to a product number linked to the product, the seller side notifies the seller, and stores the product number. Then, the seller bank server sends the product number to the Internet address (URL) of the product settlement window site of the seller bank. This is a step of requesting the mobile operator to connect to the service provider.If necessary, it has phone numbers for connecting to the wireless internet address which is pre-registered and connected to its multiple payment window internet addresses and used as a specific product number whenever necessary. May be steps; 2. Marking the item number on the product to be presented to the buyer, the buyer selects the desired product-. That is, the seller displays the product number (e.g., ** 1234, or 1234 # 1) given above to the buyer to be displayed to the buyer and presents it (e.g., TV home shopping, mail order booklet, etc.), and the buyer Observing the goods on which the product number is indicated and determining a purchase; 3.Steps to perform a call on the mobile phone using the product number as a phone number That is, the purchaser presses a call button (or hot key) using a mobile phone capable of wireless internet using the product number as a receiving telephone number; 4.Buyer's Mobile Phone Accessing Merchant Bank Server Payment Window- That is, according to the three-step telephone call (access), the buyer's mobile phone is connected to the payment window site of the merchant bank on the wireless Internet; 5.Provide the buyer account bank name information, the shipping address and the buyer's personal information (e.g. mobile phone number) That is, the buyer provides the account bank name of the account to be settled, the parcel address information, and the purchaser's personal information (eg, a mobile phone number) through a mobile phone connected to the payment information input window site of the seller bank server; 6.Assignment and transmission step of link of access site and virtual account number for seller reception- That is, according to the step 5, the seller bank server creates the "article number-amount-buyer mobile number-transaction number" data, give the seller's receiving virtual account number to the data and store it, and then "product number Transmitting the amount of money of the purchaser's mobile phone number-seller's receiving virtual account number to the buyer's bank server while simultaneously linking the buyer's mobile phone from the seller's bank server to the payment window site address of the buyer's bank; 7.Input step-of buyer account information That is, according to step 6, the buyer is connected to the payment window site of the bank of his account, and then the virtual account number for the seller reception is displayed in the receiving account column of the payment window of the newly connected buyer bank, and the payment is made in the amount of money. Displaying the amount of money entered in advance, and then inputting the buyer's own account number and password in the corresponding input column; 8.Exchange of security card password information and identity verification- That is, if the buyer financial institution server compares the buyer account number and password and the security card password information exchanged with the buyer with the data in their DB, confirming that the requester is the owner of the payment account; 9.Account transfer stage That is, when it is confirmed that the buyer account bank server, withdraws the amount to be paid from the buyer's account and transfers the amount excluding the fee to the virtual account of the seller to complete the payment; 10.Notification step of payment details- That is, the seller's bank server continuously checks (checks) whether or not the deposit is made to the virtual account number. If the deposit is confirmed, the seller's bank server sends a "money-payer information ( Mobile phone number, etc.)-home delivery address information-deposit date-product number 'step of requesting the courier while transmitting the information, characterized in that it comprises a wireless Internet address connection phone number and a mobile phone payment method using a virtual account . According to claim 5, 1.Steps to be granted by requesting the product number- That is, in the case where the payment agency is configured to intervene in the payment, the seller requests the product number from the PG server and receives the product number; 2.Provide the phone number for URL connection as the product number- That is, the PG server providing a phone number for connecting a wireless Internet address connected to its payment information input window Internet address (URL) as a product number; 3.Steps to enter call and buyer information to phone number for URL connection- That is, the purchaser's mobile phone makes a call to the phone number so that the purchaser's mobile phone accesses the payment information input window site of the PG server. Accordingly, the buyer's mobile phone name and amount and the mobile phone are displayed on the payment information input window displayed on the mobile phone. Pressing a confirmation button after inputting a number and a delivery address; 4.Request and grant step of the virtual account number for the seller- That is, the PG server sends a "money-buyer mobile number-article number-transaction number" data to the seller bank server to request a virtual account number for the seller receiving only the transaction number, and accordingly the virtual account from the seller bank side. Receiving a number; 5.Conversion change step of buyer's mobile phone That is, the PG server transmits the "virtual account number-transaction number-money-buyer cell phone number" to the buyer bank server, and links the buyer's mobile phone from its payment window to the buyer's bank payment window site for conversion access. ; 6.buyer account information input step That is, the purchaser enters his account number and password at his payment bank payment window site; If the PG server is configured not to transmit the seller virtual account number and the amount information to the buyer bank server, the PG server transmits the seller's virtual account number and the amount to the buyer's mobile phone, and the buyer receives the number of sellers. Directly entering a credit virtual account number and amount in a bank payment window thereof; 7.Exchange of security card information and identity verification- In other words, the purchaser's bank server enters the password for the response using the purchaser's own security card and transmits it to the question code number of the security card sent by the buyer's bank server. Checking whether it is correct; 8. Bank Transfer Steps That is, if the correct person, the buyer bank server withdraws the payment amount from the buyer's account and transfers the amount excluding the fee to the seller virtual account number side to complete the payment; 9.Notification step of payment details That is, when the seller bank side confirms the payment to the virtual account for receiving the seller, the payment details are immediately transmitted to the PG server side, and accordingly, the PG server is executed, including notifying the payment details to the seller terminal side. A mobile payment method using a virtual account and a phone number for connecting to a wireless Internet address. In a conventional financial transaction method using a mobile phone, including a method in which a buyer directly accesses a financial institution server through a wireless internet network and inputs his / her account information. 1. Requesting a product number, giving a product number- That is, the seller requests the granting of the product number while providing the product information (amount, model name, etc.) and its information (account number and membership number, etc.) to the PG server, whereby the PG server sends the product number to the seller. Assigning, and then storing the "seller information-amount-product information-product number" data; 2. Displaying the article number on the article and presenting it to the buyer, and selecting the article by the buyer- That is, the seller displays the product number given above to the product to be sold and shows it to the buyer (e.g., on the TV screen of TV home shopping, on the corresponding page of the mail order book, or the product of the ON / OFF LINE driver's store). The buyer selects the goods marked with the goods number; 3.The buyer's mobile phone contacts the payment window of the buyer's payment bank- That is, the purchaser accesses the purchaser's mobile phone to the payment window site of the buyer's bank on the wireless Internet by using the telephone number for connecting to the payment bank payment window address (URL) which is recognized and stored in the mobile phone memory. 4.WAP method cell phone banking using the product number as the receiving account- That is, the buyer enters the item number of the selected product in the Receiving Account column of his payment bank settlement window site, enters the amount in the Amount column, enters his account number in the remittance account field, Executing a conventional WAP mobile phone (mobile) banking by inputting an account password for payment; 5.Exchange of security card information and identity verification step- That is, the buyer bank server verifies the buyer's identity with the buyer's account number and password, and then finds the buyer's security card information in the security card DB and sends the buyer the password number for the questionnaire of the security card to the buyer's mobile phone. The buyer sends the password for the response to the buyer's bank server using the security card owned by the buyer, and accordingly, the buyer's bank server sends the account number, password, and password for the security card response to the DB. Checking whether the person requesting the payment is the owner of the payment account by comparing with the information in the account; 6.Account number inquiry and bank transfer steps If the identity is confirmed, the buyer bank server sends the PG server the product number entered in the receiving account, and inquires the actual receiving account (seller account) related to the product number, and the PG server sends the " Seller's bank server withdraws the payment amount from the buyer's account, transfers the amount excluding the fee to the seller's account, and completes the payment. Storing the transaction number "data; 7.Payment History Notification Step to PG That is, the purchaser bank server notifies the PG server side of the payment completion details, such as "money amount-depositor information (name, mobile number, etc.)-deposit date-transaction number", etc .; 8.Steps to verify your home delivery address and notify your payment details to the seller In other words, does the PG server give the buyer a shipping address? Send a SMS URL, and when the buyer presses the OK button, the buyer's mobile phone is connected to the PG server's delivery address input window site, and then the buyer enters the delivery address and sends it to the PG server side. Notifying the seller of the "money-depositor information-deposit date-delivery address-transaction number" material; Mobile phone payment method using a virtual account and a phone number for connecting to the wireless Internet address, comprising a. In the financial transaction method using a conventional mobile phone, including a method in which a buyer directly accesses a financial institution server through a wireless internet network and inputs his / her account information using a mobile phone, 1.Registration step of product number and seller account information- That is, the seller registers the product number, the product information and the seller account information to the PG server; 2.Presentation step of product number and telephone number for URL connection- That is, the seller displays the product number and the phone number for linking the PG payment window site address (URL) to present to the buyer; 3.Steps to enter call and purchase and payment information to phone number for URL connection- That is, the purchaser dials the PG payment window URL connection telephone number and inputs the product number, buyer bank name information, parcel delivery address information and the buyer's own information; 4.Conversion of cell-phone connection and input of account information- In other words, the buyer's mobile phone link is linked to the buyer's bank payment window, where the buyer's account number (or virtual account number), amount, product number, and transaction number are displayed in advance. Entering a password; 5.Exchange of security card information and identity verification step- The buyer bank server exchanges password information by the buyer's mobile phone and the security card, and then the buyer bank server verifies the user using the account number, password and password response information of the step entered by the buyer in step 4 above. ; 6. Account transfer steps That is, the buyer bank server withdraws the amount to be paid from the buyer account and transfers the amount excluding the fee to the seller account; 7.Notification step of payment details- That is, the buyer bank server transmits the payment history data of "payment history-transaction number" to the PG server side, and the PG server notifies the "payment history-transaction number-courier address" data to the seller server side accordingly; If the seller account is a virtual account number for receiving the seller, the payment completion details are sent from the seller bank server side to the PG server side; Mobile phone payment method using a virtual account and a phone number for connecting to the wireless Internet address, comprising a. The method according to claim 2 or 6, The virtual account number for receiving the seller is configured in the form of a transaction number different from the bank account number system. In this case, the actual account associated with the receiving account in the form of a transaction number from the buyer bank server side to the PG server immediately before the transfer of the account. A telephone for connecting to a wireless Internet address, characterized in that it is configured to execute an account transfer by asking a receiving account number of the user, and the buyer bank server notifies the PG server side of the payment completion details, and then the PG server notifies the seller server side thereof. How to pay your mobile phone using your number and virtual account. According to claim 1, 2, 3, 5 or 8, The phone number presented to the purchaser is a phone number for receiving a callback SMS URL message for accessing a wireless Internet address, and in this case, after receiving the message, the confirmation button is pressed to connect to the corresponding wireless Internet address. How to make a mobile phone payment using a virtual account and a phone number for connecting to a wireless Internet address. Claim claim 2, 3, 5, 6, 7, or 8, If the buyer (sender) account number is a certain letter (e.g. *) or a certain number (e.g. 88), the bank server will send it to the account that the buyer (sender) pays along with the mobile number that will be used for payment in advance. Recognized as a payer with the designated primary payment account number, the buyer (sender) bank server verifies the identity of the payer using the mobile phone number, and withdraws the payment amount from the payment account previously designated by the payer (buyer) and transfers it to the seller account. And, if necessary, that is, when a small payment is made, a mobile phone payment method using a wireless account and a virtual account for connecting to a wireless internet address, which may omit identity verification by a security card.

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