KR20060111200A - Payment method and system with virtual account by using mobile phone number - Google Patents

Abstract

A method and a system for performing settlement by using a mobile phone number as a virtual account are provided to expand use targets of electronic settlement by utilizing the mobile phone number as the virtual account, offer portability/use convenience by buying or receiving a separate card or IC chip, and protect privacy of a user by exposing expenditure particulars of the user. A database(110) stores the mobile phone number of each user and virtual account information including charged amount information related to the mobile phone number. A virtual account server(108) manages the database, receives a settlement request signal including the mobile phone number and settlement amount information of the user, processes the received settlement request signal by using the information stored in the database, and transmits the processed settlement information. The virtual account server transmits the processed settlement information to more than one of a user mobile terminal(100), a payment member shop terminal(200), a payment member shop server(202), and a billing agent server(116).

Description

PAYMENT METHOD AND SYSTEM WITH VIRTUAL ACCOUNT BY USING MOBILE PHONE NUMBER}

1 is a view showing the configuration of a charging system for electronic payment according to the present invention.

2 is a diagram illustrating a configuration of an electronic payment system according to the present invention.

3 is a diagram illustrating a configuration of a virtual account server.

Figure 4 is a flow chart showing the order of filling in the virtual account according to an embodiment of the present invention.

5 is a flowchart illustrating a payment order using a virtual account according to an exemplary embodiment of the present invention.

The present invention relates to an electronic payment method and system using a mobile terminal number as a virtual account, and more particularly, to create a virtual account using a mobile terminal number that is widely used without a separate sign-up procedure or card issuance and to a virtual account. It relates to a payment method and system for making a payment using a pre-filled amount.

In accordance with the proliferation of Internet users and mobile phone users, various electronic payment methods and systems have been proposed and used in addition to payment by cash or credit card online or offline.

Banks, credit card companies and other electronic money issuers have introduced the concept of 'electronic money', where money is settled through the information and communication line to store certain money values as electronic symbols and guarantee the payment through a card or computer system. It is now widely used as an electronic payment method and system.

The conventional electronic payment method and system configuration can be classified into prepaid and postpaid types according to the payment time and IC card type and network type according to the payment method.

First, in the case of the prepaid type, the card holder purchases a predetermined amount of money from the electronic money issuer, or uses a predetermined amount paid or transferred by the user in advance in the form of a card or terminal with an IC chip or a card with a magnetic tape. It is a form.

In particular, the card type with magnetic tape is currently being used and distributed in the PC room in relation to game service, and the prepaid transportation card is a representative example of the IC chip embedded card.

In the case of the postpaid type, a form of receiving an authentication number through a mobile phone, entering an authentication number to settle the payment, and later billing the use amount together with the user's mobile phone bill is widely used.

In addition, an electronic payment method for embedding or attaching an IC chip having a credit card function to a terminal such as a cellular phone has been proposed.

However, in the case of the prepaid type, the user can know the amount of money that can be used in advance so that unnecessary expenses can be reduced and the details of the service paid by the user are not notified separately. There was an inconvenience to obtain or purchase an IC chip.

In the case of postpaid payments, the inconvenience of issuing a separate card or purchasing an electronic chip is relatively small, but there is a risk of excessive spending without knowing the amount of the user's expenses. The details appear, and personal privacy exposure becomes a problem.

In particular, a user who is reluctant to expose his / her usage history, such as adolescents or adults using mobile content, whose parents are notified of the cell phone bill details, has a problem of avoiding the use of an electronic payment method due to such a problem.

According to the payment form, the IC card type issues a certain amount to the IC card by issuing a card or IC chip when the user deposits in a bank account. When a user purchases goods and services at a merchant and contacts an electronic money card with a terminal, the purchase price is paid, and if there is no balance, the user can recharge using an ATM or a terminal.

The network type first registers as a member, installs a value storage program, receives a separate ID and password, deposits it with an electronic money company, or pays with a credit card, charging the ID to purchase goods and services from merchants. Another form is to issue a card as a gift voucher. The card may be paid to a business operator or purchased at a convenience store, a bank, or the like, and may be paid by entering a personal identification number assigned to each card.

The IC card type has the convenience of payment and settlement, but it is difficult to use a youth or a bad credit who have difficulty in dealing with a financial institution.

In the case of the network type, as with the IC card type, a transaction with a financial institution is required or a separate subscription procedure is required. If not, there is a problem that a separate card must be purchased.

In order to solve the conventional problems as described above, the present invention proposes a method for expanding the use target in electronic payment by using the mobile terminal number as a virtual account.

In addition, by using a mobile terminal, there is proposed an electronic payment method having portability and convenience of use without the need of purchasing or issuing a separate card or IC chip.

In addition, the present invention proposes an electronic payment method and system capable of protecting personal privacy since the user's spending history is not exposed.

In order to achieve the above object, according to a preferred embodiment of the present invention, a step of maintaining a database storing virtual account information including user portable terminal number and charge amount information associated with each terminal number (a) ; (B) receiving a payment request signal including a specific user mobile terminal number and payment amount information; (C) processing the received payment request signal using the information stored in the database; And (d) transmitting the processed payment information.

According to another aspect of the invention, the method comprising the steps of: (a) maintaining a database storing virtual account information including user portable terminal numbers and charge amount information associated with each terminal number; (B) receiving a charge request signal including the user mobile terminal number and charge amount information; (C) updating the database corresponding to the received charge amount information to process a charge request signal; And (d) transmitting the processed charging information.

According to another aspect of the invention, a database for storing virtual account information including a user mobile terminal number and charge amount information associated with each terminal number; And manage the database, receive a payment request signal including the user mobile terminal number and payment amount information, process the received payment request signal using the information stored in the database, and transmit the processed payment information. A payment system including a virtual account server is provided.

According to another aspect of the invention, a database for storing virtual account information including a user mobile terminal number and charge amount information associated with each terminal number; And manages the database, receives a charge request signal including the user portable terminal number and payment amount information, updates the database according to the received charge amount information, processes the charge request signal, and processes the charged charge. A charging system is provided that includes a virtual account server for transmitting information.

According to another aspect of the present invention, in a recording medium in which a program of instructions that can be executed by a digital processing apparatus is tangibly embodied and records a program that can be read by the digital processing apparatus, a user portable terminal number and each terminal number (A) maintaining a database for storing virtual account information including charge amount information associated with; (B) receiving a payment request signal including a specific user mobile terminal number and payment amount information; (C) processing the received payment request signal using the information stored in the database; And a recording medium recording a program for performing the step (d) of transmitting the processed payment information.

According to another aspect of the present invention, in a recording medium in which a program of instructions that can be executed by a digital processing apparatus is tangibly embodied and records a program that can be read by the digital processing apparatus, a user portable terminal number and each terminal number (A) maintaining a database for storing virtual account information including charge amount information associated with; (B) receiving a charge request signal including the user mobile terminal number and charge amount information; (C) updating the database corresponding to the received charge amount information to process a charge request signal; And a recording medium on which a program for performing the step (d) of transmitting the processed charging information is recorded.

Hereinafter, with reference to the accompanying drawings will be described in detail a preferred embodiment of the charging and payment method and system for electronic payment using the user mobile terminal number as a virtual account according to the present invention.

1 is a diagram illustrating a configuration of a charging system for electronic payment according to the present invention.

As shown in FIG. 1, the charging system for electronic payment according to the present invention includes a user portable terminal 100, a charging merchant terminal 102, a charging merchant server 104, a billing agency server 108, and a virtual account server. 112, a mobile carrier server 116.

The user portable terminal 100 is a terminal device connected to the communication network 106 to receive a charging service, and may include all of a numbered wireless pager, mobile phone, PDA, and mobile broadcast system (MBS) phone. have.

The user portable terminal 100 is provided with a VM (Virtual Machine), which is a program for receiving an electronic charging service using the portable terminal number as a virtual account, which is a feature of the present invention.

The VM enables the user to access the virtual account server at any time with his mobile terminal, and provides an interface for checking the user's charge history and balance information.

In addition, by providing payment merchant information or charging merchant information, the user may conveniently provide a function to find a charging merchant or payment merchant.

In such a charging merchant or payment merchant search method, it is possible for a user to search for a location or a site of a desired merchant through a menu search or a search word input method provided by a VM.

In particular, in the case of offline, location-based services (LBS) may be used to provide a function for a VM to guide an offline charging or payment merchant at an optimal location based on a user's current location.

Charging merchant terminal 102 is a device required when the user wants to charge a certain amount in the virtual account offline.

Terminals such as banks and credit card companies that can process the deposit information will be common, but are not limited thereto.

In addition, wherever a terminal capable of processing deposit information by accessing the virtual account server 112 is installed, it may be possible anywhere, such as a PC room, a convenience store, a distributor of a mobile communication company, and the like.

Charging affiliate server 104 is a server that can be deposited online when the user wants to charge a certain amount in the virtual account online.

Online financial services such as banks and credit card companies that can deposit or transfer online will be common.

The user portable terminal 100, the charging merchant terminal 102, the charging merchant server 104, the virtual account server 108, the mobile carrier server 112 and the billing agency server 116 are connected to each other via the communication network 106. It is.

The communication network 106 includes all wired and wireless communication networks such as a mobile communication network and the Internet.

The virtual account server 108 performs a function of creating a virtual account using the user's mobile terminal number, which is a feature of the present invention.

In addition, by performing a function of recording and storing the user's charge history, the user can check his / her charge history by accessing the virtual account server through the VM installed in his portable terminal at any time.

The database 110 connected to the most account performs a function of storing the user's virtual account information and deposit and withdrawal history information.

The mobile telecommunication company server 112 performs a function of providing the virtual account with the personal information of the user of the mobile terminal necessary for creating the virtual account.

In particular, in order to prevent the user from having to input his or her personal information in order to create a virtual account, the mobile terminal user's information and the mobile terminal number are required. Therefore, the mobile terminal user's information stored in the database 114 of the mobile carrier server is stored. It performs the function provided to the virtual account server (108).

In addition, when there are a plurality of mobile carriers, VMs of different interfaces may be installed for each mobile carrier. Therefore, it is necessary to check whether a VM required for virtual account service is installed in the user's mobile terminal and install the VM in the user's mobile terminal. The function may be performed by the mobile operator server.

Creating a virtual account using a mobile terminal number, which is a feature of the present invention, enables various charging methods.

A charging method according to the present invention will be described with reference to FIG. 1.

First, in the case of online charging, the user accesses the virtual account server using a mobile terminal or a PC.

In the virtual account server, select to create a virtual account, enter the mobile terminal number and the amount to be deposited, and select a payment method.

If the user wants to transfer from his or her bank account, the virtual account server connects to the bank account server, which is the charging merchant server, and transfers the deposit amount to the virtual account.

If the user wants to pay by credit card, the user enters the credit card number to deposit the amount he wishes to charge into his or her virtual account.

The virtual account server connects to the credit card company server and requests the credit card company server for the amount deposited in the user's virtual account, and when the user pays the card, the user pays the amount deposited in the virtual account.

When charging offline, the user visits the charging merchant in person and requests a charging.

The offline charging merchant accesses the virtual account using the terminal, and inputs the charging amount and the user's mobile terminal number as much as the amount paid by the user.

The virtual account server stores the charged money information and transmits the stored charge information to the user portable terminal.

The charging details are displayed on the user's portable terminal so that the user can check the charging details and the charging is completed.

In this case, in order to check the charging information, the user's portable terminal should be installed with a VM which can check the charging contents.

If the deposit details cannot be displayed because the virtual account VM is not installed on the user's mobile terminal, the virtual account server or the carrier server installs the VM on the user's mobile phone and uses the URL call back method. Display the deposit details.

In FIG. 1, the charging system according to the present invention may further include a billing agency server 116.

The billing agency collects the charges paid by the user online or offline from the charging merchant.

In particular, if there are multiple charging merchants and multiple virtual accounts, it will be more efficient for one billing agency to recover the charges than for the virtual account server operator to recover the charges.

The billing agency server 116 receives the charging information from the virtual account server 108 to recover the charged amount and stores it in the database 118 of the billing agency server and recovers the charged amount from the charging merchant based on the stored charging information. .

Meanwhile, the billing agency server 116 directly receives the charging information from the terminal 102 or the server 104 of the charging merchant without receiving the charging information from the virtual account server 108 or receives the received charging information from the virtual account server 108. ) To relay the charging information.

However, if the virtual account server operator recovers the recharge amount, the billing agency server 116 may not exist.

2 is a diagram illustrating a configuration of an electronic payment system according to the present invention.

As shown in FIG. 2, the electronic payment system according to the present invention includes a user portable terminal 100, a payment merchant terminal 200, a payment merchant server 202, a virtual account server 108, and a billing agency server 116. It may include.

The user portable terminal 100, the virtual account server 108 and the billing agency server 116 are given the same number as the device in FIG. 1, and will be described based on the functions in the process of performing the payment. .

The user portable terminal 100 is a terminal device connected to the communication network 106 to receive an electronic payment service, which is the same as the user portable terminal in FIG. 1.

As shown in FIG. 1, the user portable terminal 100 is provided with a virtual machine (VM), which is a program for receiving an electronic payment service using the portable terminal number as a virtual account, which is a feature of the present invention.

The VM provides an interface that displays not only the above-described charging details but also payment information, which is the expenditure details.

Payment merchant terminal 200 is a device that is required when the user wants to purchase goods and pay in the offline.

The payment merchant server 202 is generally a server such as a content provider (CP) for providing contents or an internet shopping mall for selling goods, but is not limited thereto.

The user portable terminal 100, the payment merchant terminal 200, the payment merchant server 202, the virtual account server 108, and the billing agency server 116 are connected to each other via the communication network 106, and as described above in FIG. 1. As described above, the communication network 106 includes all wired and wireless communication networks such as a mobile communication network and the Internet.

The virtual account server 108 performs a function of making a payment using a virtual account generated using a user's portable terminal number, which is a feature of the present invention.

In addition, by performing a function of recording and storing the user's payment history, the user can access his or her virtual account server through the VM installed in his mobile terminal at any time to check his payment history.

The database 110 connected to the most account performs a function of storing the user's virtual account information and payment history information.

Creating a virtual account using a mobile terminal number, which is a feature of the present invention, enables various payment methods.

Referring to Figure 2 briefly look at how to pay with a virtual account generated by using a mobile terminal number that is a feature of the present invention.

First, in the case of payment through online, a user connects to the payment merchant server 204 online to purchase goods or contents and selects payment by a virtual account as a payment method.

The user enters his mobile terminal number to pay. The payment merchant server 204 selling the online goods or contents transmits the mobile terminal number information and the payment amount information to the virtual account server 208.

In the case of offline payment, the user purchases the goods at an offline payment merchant and presents a virtual account as a payment method.

The payment merchant terminal 202 pre-installed in the store is a method such as contact of the mobile terminal 100 or input of a mobile terminal number. The payment merchant terminal 202 transmits the payment amount information and the mobile terminal number to the virtual account server 108. Send the information.

The virtual account server 108 searches the database 110 in which the virtual account information is stored using the phone number information.

From the retrieved information, it is determined whether the balance is sufficient to allow payment and the virtual account server 108 generates a random authentication number and transmits it to the user's portable terminal 100 to secure the transaction.

When the user who received the authentication number enters the authentication number into the payment window of the web page provided by the payment merchant server 204 or the payment merchant terminal 202, the payment merchant server 204 or the payment merchant terminal 202 is input again. The authentication number is transmitted to the virtual account server 108.

The virtual account server 108 determines whether the received authentication number matches the authentication number sent to the user's mobile phone, and if it matches, transmits a payment completion indication signal to the payment merchant server 204 or the payment merchant terminal 202. .

The user portable terminal 100 transmits not only a payment completion indication signal but also other payment related information and balance information.

In the above description, an example of generating and inputting an authentication number for the security of a transaction is illustrated. However, when the user has previously set a password in the virtual account generation step, the password is inputted together with the user's mobile terminal number. ), It is also possible to determine whether the password is matched to perform the payment.

In FIG. 2, the payment system according to the present invention may further include a billing agency server 116.

The billing agency plays a role of paying the payment amount used by the user to the payment amount recovered from the charging affiliated store described above with reference to FIG. 1.

If there are multiple payment merchants and multiple virtual accounts, it would be more efficient for one billing agency to pay the payment than for the virtual account server operator to pay the payment.

The billing agency server 116 receives payment information from the virtual account server 108 to pay the payment amount, stores it in the database 118 of the billing agency server, and pays the payment amount to the payment merchant based on the stored payment information. .

Meanwhile, the billing agency server 116 directly receives the payment information from the payment merchant terminal 202 or the payment merchant server 204 without receiving payment information from the virtual account server 108, or receives the received payment information from the virtual account server ( 108 may be used to relay the payment information.

However, if the virtual account server operator pays the payment amount, the billing agency server 116 may not exist.

3 is a diagram illustrating a configuration of a virtual account server.

As shown in FIG. 3, the virtual account server includes a data transmission / reception unit 300, a virtual account generation unit 302, a deposit and withdrawal history calculation unit 304, an authentication number generation unit 306, and an authentication number comparison unit 308. It may include.

The data transmitter / receiver 300 receives charging information from the charging affiliated store terminal 102 and the charging affiliated server server 104, and transmits the processed charging information to the user portable terminal 100.

In the payment process, the payment information is received from the payment merchant terminal 202 and the payment merchant server 204, and the processed payment information is transmitted to the user portable terminal 100, the payment merchant terminal 202, and the payment merchant server 204. Perform the function.

In addition, to generate the virtual account using the user's mobile terminal number of the feature of the present invention performs a function of receiving the information of the mobile terminal user to the mobile communication company server (112).

The virtual account generator 302 performs a function of generating a virtual account of the user by using the user's portable terminal number according to a preset algorithm.

In the step of creating a virtual account, a virtual account may be created by further using the mobile terminal user information received from the mobile communication company server 112.

As a result, the mobile terminal user does not need a separate subscription process for creating a virtual account, which is convenient for use.

The deposit and withdrawal calculation unit 304 calculates whether the balance is sufficient for the user's payment request using the user's charging information and payment information, and records and stores the charging information and the payment information.

The authentication message generating unit 306 and the authentication message processing unit 308 are necessary modules when using the authentication message for the safety of transactions in the payment process.

When the authentication message is not used or when only the authentication result processed by the virtual account server 108 is generated and transmitted and received by the mobile communication server server 112 or another server, the authentication message generating unit 306 and the authentication message processing unit. 308 may not exist.

In addition, although the configuration as a server has been illustrated in the present description, it will be apparent to those skilled in the art that a form of a program installed in a mobile communication company server or another server may be used.

4 is a flowchart illustrating a procedure of charging a virtual account according to an exemplary embodiment of the present invention.

First, when the user requests a certain amount of charge from the charging merchant and pays a predetermined amount (S400), the charging merchant enters the user's mobile number and the charge request amount into the charging merchant terminal 102 as much as the received amount of the charging request. The signal is transmitted to the virtual account server 108 (S402).

Upon receiving the charge request signal, the virtual account server 108 determines whether a virtual account exists by using the received mobile phone number (S404).

If there is no virtual account using the received mobile phone number, the mobile phone number is transmitted to the mobile carrier server 112 (S406), the mobile carrier server 112 retrieves the information of the mobile phone number user and the virtual account It transmits to the server 108 (S408).

The virtual account server 108 generates a virtual account using the mobile phone number user's information and the mobile phone number (S410), records and stores charging information such as the charge amount and the charging time (S412).

If there is a virtual account using the received mobile phone number, the charging information is recorded and stored without performing another process (S412).

The virtual account server 108 transmits the charging information and the virtual account information to the user cellular phone 100 (S414).

The user checks the charging information through the VM installed in his mobile phone. If the VM is not installed, the user installs and checks the VM through the URL call back method as described above.

5 is a flowchart illustrating a payment process using a virtual account according to an embodiment of the present invention.

In FIG. 5, a process of making a payment such as purchasing an item or content by using a charged amount after charging a virtual account as shown in FIG. 4 is shown.

First, a user purchases an item or content at a payment merchant and makes a payment request using a virtual account (S500).

The payment request may include a step of inputting a preset password or the like into the merchant terminal for security. The method of performing the payment request may include inputting a mobile phone number or contacting the mobile phone 100 and the payment merchant terminal 200. Various methods will be possible.

The virtual account server 108 receives payment amount information and phone number information from the payment merchant terminal 200 (S502), and searches whether a virtual account exists using the received phone number information (S504).

If the virtual account does not exist, transmitting a payment incapacity signal to the payment merchant terminal 200 (S506), and if the virtual account exists, comparing the received payment amount information with the balance information existing in the virtual account. Perform (S508).

If the payment amount is greater than the balance of the virtual account, the balance shortage signal is transmitted to the payment merchant terminal 200 (S510), and if the balance can be paid, an authentication SMS is generated (S512).

The generated authentication SMS is transmitted to the user's mobile phone 100 (S514), and the user who receives the authentication SMS inputs the received authentication SMS to the payment merchant terminal (S516).

The payment merchant terminal 200 transmits the input authentication SMS to the virtual account server 108 (S518), and the virtual account server 108 receiving the input authentication SMS sends the authentication SMS to the user's mobile phone 100. In operation S520, it is determined whether or not coincides with.

If the authentication SMS is inconsistent, the authentication SMS mismatch signal is transmitted to the payment merchant terminal 200, and if the authentication SMS is matched, the payment amount is subtracted from the balance (S524).

After the calculation of the payment amount is finished, the payment completion signal is transmitted to the payment merchant terminal 200 (S526), and the user's mobile phone 100 transmits the payment information and the balance information, etc. (S528) the user and the payment information; The payment is completed by checking the balance.

Preferred embodiments of the present invention described above are disclosed for purposes of illustration, and those skilled in the art will be able to make various modifications, changes, and additions within the spirit and scope of the present invention. Additions should be considered to be within the scope of the following claims.

As described above, according to the electronic payment method and system using the user's mobile terminal number as a virtual account according to the present invention, by using the mobile terminal number as a virtual account, there is no need to deal with a separate financial institution. Since it is easy to use even those who have difficulty in dealing with financial institutions such as creditors, there is an advantage in that the targets for using electronic payments are expanded.

In addition, since payment is made to use a widely distributed portable terminal, a separate card purchase process or a subscription process is not required.

In addition, since it is possible to use only within the amount charged by the user, unnecessary expenses can be prevented and payment can be made using the user's portable terminal.

In addition, the user himself can check the expenditure history at any time through the VM installed in the mobile terminal owned by his own, there is an advantage that private privacy is not exposed because the expenditure details are not disclosed separately.

The present invention proposes an electronic payment method and system for activating electronic payment by solving the disadvantages of existing electronic payment methods, thereby expanding convenience and use of electronic payment.

Claims (16)

(A) maintaining a database that stores virtual account information including user portable terminal numbers and charge amount information associated with each terminal number; (B) receiving a payment request signal including a specific user mobile terminal number and payment amount information; (C) processing the received payment request signal using the information stored in the database; And (D) transmitting the processed payment information. The method of claim 1, Step (d) is, And transmitting the processed payment information to at least one of a user mobile terminal, a payment merchant terminal, a payment merchant server, and a billing agency server. The method of claim 1, And the virtual account information is information further comprising personal information of a user associated with the mobile terminal number. The method of claim 1, Step (c) is, Transmitting authentication information for payment of the amount to the user portable terminal; Receiving authentication information input from a payment affiliate store and determining whether the authentication information transmitted to the user portable terminal is identical to the received authentication information; And And updating the database in correspondence with the payment amount information of the user. (A) maintaining a database that stores virtual account information including user portable terminal numbers and charge amount information associated with each terminal number; (B) receiving a charge request signal including the user mobile terminal number and charge amount information; (C) updating the database corresponding to the received charge amount information to process a charge request signal; And (D) transmitting the processed charging information. The method of claim 5, Step (d) is, And charging the processed charging information to at least one of a user portable terminal, a charging merchant terminal, a charging merchant server, and a billing agency server. The method of claim 5, And the virtual account information is information further comprising personal information of a user associated with the mobile terminal number. A database for storing virtual account information including user portable terminal numbers and charge amount information associated with each terminal number; And Managing the database, receiving a payment request signal including the user mobile terminal number and payment amount information, processing the received payment request signal using the information stored in the database, and transmitting the processed payment information; Payment system that includes a virtual account server. The method of claim 8, The virtual account server, And transmit the processed payment information to at least one of a user mobile terminal, a payment merchant terminal, a payment merchant server, and a billing agency server. The method of claim 8, The virtual account information is a payment system, characterized in that further comprising the user's personal information associated with the mobile terminal number. The method of claim 8, The virtual account server, Transmitting authentication information for payment of the amount to the user portable terminal; Receiving authentication information input from a payment affiliate store and determining whether the authentication information transmitted to the user portable terminal is identical to the received authentication information; And And updating the database corresponding to the payment amount information of the user. A database for storing virtual account information including user portable terminal numbers and charge amount information associated with each terminal number; And Manages the database, receives a charge request signal including the user portable terminal number and payment amount information, updates the database according to the received charge amount information, processes the charge request signal, and processes the charged information Charging system including a virtual account server for transmitting the. The method of claim 12, The virtual account server, Charging system, characterized in that for transmitting the processed charging information to at least one of a user mobile terminal, payment merchant terminal, payment merchant server and billing agency server. The method of claim 12, And the virtual account information is information further comprising personal information of a user associated with the mobile terminal number. In a recording medium on which a program of instructions executable by a digital processing apparatus is tangibly embodied and which records a program that can be read by a digital processing apparatus, (A) maintaining a database that stores virtual account information including user portable terminal numbers and charge amount information associated with each terminal number; (B) receiving a payment request signal including a specific user mobile terminal number and payment amount information; (C) processing the received payment request signal using the information stored in the database; And A recording medium on which a program for performing the step (d) of transmitting the processed payment information is recorded. In a recording medium on which a program of instructions executable by a digital processing apparatus is tangibly embodied and which records a program that can be read by a digital processing apparatus, (A) maintaining a database that stores virtual account information including user portable terminal numbers and charge amount information associated with each terminal number; (B) receiving a charge request signal including the user mobile terminal number and charge amount information; (C) updating the database corresponding to the received charge amount information to process a charge request signal; And A recording medium on which a program for performing the step (d) of transmitting the processed charging information is recorded.

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