KR20090074445A - Cost payment system and service method number of mobile phone - Google Patents

Abstract

A payment system using a portable phone number as an account and a service method thereof are provided to make a buyer pay the buying cost through only a portable phone. An operation management server(300) transmits and receives corresponding information required for the product buying to and from a buyer terminal(100), transmits transaction information to the buyer terminal through an ARS(Automatic Response System), and then determines whether to approve or refuse the transaction through a password signal inputted from the buyer terminal. A mobile communication company server(400) bills the buyer terminal for the cost.

Description

Cost payment system and service method of mobile phone}

The present invention relates to a payment system and a service method using a mobile phone number as an account. More specifically, when a subscriber subscribed to a mobile carrier purchases an item at a merchant affiliated with the service, the purchase price is paid. After verifying their identity through a mobile phone by ARS service and paying the purchase price with a mobile phone number, the telecommunications company may charge the above fee when charging a monthly communication fee, or purchase a prepaid chip and install it on the mobile phone. The present invention relates to a payment system and a service method using a mobile phone number of an account which authenticates itself through ARS.

In general, with the development of electronic communication technology and information technology, credit transactions of credit cards rather than cash have been activated in various transactions.

However, in the case of a small payment with a low purchase amount, the use of the credit card is not activated due to the burden of using a credit card and a branch that is reluctant to receive a credit card.

In addition, the damage caused by the loss and theft of credit cards continues to emerge as a social problem.

On the other hand, most departments such as department stores and supermarkets use cash registers to automatically perform the sum of sales, balances and receipts.

In particular, POS (Point of Sales) systems are adjusted at the point when a barcode is attached to a product, and a series of actions related to sales such as credit checks are performed all at once. Most of them adopt POS system.

To this end, the POS system is equipped with a personal computer or a dedicated cash register, an optical scanner for barcode reading, a card reader for processing a credit card, and the like, and a separate central computer and online for credit inquiry or inventory adjustment. It is also connected.

However, if you use cash or credit card, there is a risk of theft or loss, and if you use credit card, you will be charged a small fee during the card payment process. There was a difficult problem.

In order to solve the problems described above, an object of the present invention is to enable the purchaser to pay the purchase price only by the mobile phone without having a credit card or cash, so that the buyer is not damaged by credit card, cash loss, etc. The purpose of the present invention is to provide a payment system and a service method using a mobile phone number as an account which can be prevented and provide a stable payment service to a seller.

In addition, an object of the present invention is a buyer terminal which is always carried by the buyer, a buyer terminal which is a means for paying for the goods when purchasing the goods; A seller terminal which inputs information of the buyer terminal and inputs information necessary for payment of goods; Send or receive the relevant information necessary for the purchase of the goods with the buyer terminal according to the information on whether the product is prepaid or postpaid, and transmits the transaction information through the ARS to the buyer terminal, and receives the password signal from the buyer terminal to approve or reject the transaction. An operation management server for determining and charging a purchase price to a mobile communication company server; And a mobile communication company server performing wireless communication with the purchaser terminal. The purpose is to provide a billing system with a mobile phone number including the account.

In order to solve the problems described above, the payment system using the mobile phone number of the present invention as an account, the purchaser terminal is always carried, the buyer terminal 100 means for paying for the goods when purchasing the goods; A seller terminal 200 for inputting information of the buyer terminal and inputting information necessary for payment of goods; Send or receive the relevant information necessary for the purchase of the goods with the buyer terminal according to the information on whether the product is prepaid or postpaid, and transmits the transaction information through the ARS to the buyer terminal, and receives the password signal from the buyer terminal to approve or reject the transaction. An operation management server 300 for determining and charging a purchase price to a mobile communication company server; And a mobile communication company server 400 for performing wireless communication with the purchaser terminal. Characterized in that it comprises a.

In addition, the present invention, in the payment service method using a mobile phone number as an account, (a) registering the password to the mobile communication company server to the purchaser terminal to be authenticated to the operation management server to subscribe to the authentication service (S10); (b) determining, by the operation management server, whether there is a payment request according to the purchase of goods from a purchaser (S20); (c) the operation management server transmitting transaction information to the purchaser terminal through ARS and requesting a password (S30); (d) receiving, by the operation management server, password information from the purchaser terminal (S40); (e) approving the transaction if the operation management server compares the received password information with the password registered at the time of registration and rejects the transaction if it does not match (S50); And (f) if the operation management server is registered with the received password and the registered password matches, the transaction is approved and a receipt is output (S60).

According to the present invention, the purchaser can pay the purchase price only by the mobile phone without having a credit card or cash, so that the buyer can prevent the damage caused by credit card, cash loss, etc. By providing services, you can make more sales, and you can also innovatively reduce the economic loss of companies caused by improper use of credit cards.

In addition, although the identity authentication method is connected to the Internet through a conventional SMS, there is a risk of hacking. However, the present invention is a method of verifying identity through ARS, which reduces the risk of hacking from the outside. have.

Hereinafter, with reference to the drawings will be described in detail with respect to the payment system and service method using a mobile phone number as an account.

1 is a view showing a payment system with a mobile phone number according to the present invention as an account.

As shown in FIG. 1, a payment system using a mobile phone number as an account is provided by a buyer at all times and is a means for paying for a purchase price when purchasing a product. And the seller terminal 200 for inputting information required for payment of the goods, and transmits and receives corresponding information necessary for the purchase of goods with the buyer terminal according to the prepaid or postpaid information when purchasing the goods, and provides the transaction information to the buyer terminal through ARS. And an operation management server 300 for receiving a password signal from the purchaser terminal and determining a transaction approval or a transaction rejection to charge a purchase price to a mobile communication company server and a mobile communication company server performing wireless communication with the purchaser terminal. 400.

The purchaser terminal 100 is a mobile terminal that is always owned by the purchaser. When the purchaser pays for the goods, the purchaser terminal 100 confirms the user's authentication when an authentication phone comes to the purchaser's terminal.

The purchaser terminal 100 is a wireless communication unit 110 in charge of wireless communication with the mobile communication switching station so as to communicate with the outside, a function selection unit 130 for selecting various functions provided in the buyer terminal, such as telephone number input or barcode output ), The liquid crystal display unit 140 displaying a bar code corresponding to an operation state or a mobile phone number of the purchaser terminal (mobile phone), a terminal controller 150 for controlling the overall operation of the purchaser terminal, and moving under the control of the terminal controller. It includes a barcode generation unit 160 for generating a barcode of the telephone number (see Fig. 2).

The purchaser terminal 100 will be described in detail with reference to FIG. 2.

The seller terminal 200 inputs the information of the buyer terminal and inputs information necessary for payment of the goods.

The seller terminal 200 includes a POS terminal.

The seller terminal 200 is connected to the transmission and reception unit 210 configured to communicate with the outside, the transmission and reception unit, and inputs various functions required for the device, such as the purchaser's mobile phone number input or credit selection function according to the present invention A key input unit 220, a bar code scanning unit 230 for scanning a bar code attached to the article, the credit input function through the key input unit or the bar code scan unit receives the information necessary for the transaction and store the goods temporarily stored The unit 240, an output unit 250 for outputting information necessary for the transaction of the goods stored in the storage to the outside, the payment settlement unit 260 and the information of the buyer terminal to settle the payment according to the information of the buyer terminal And a control unit 270 for extracting and providing the data, and performing data communication via the Internet (see FIG. 3).

The seller terminal 200 will be described in detail with reference to FIG.

The operation management server 300 transmits and receives corresponding information necessary for the purchase of the goods with the buyer terminal according to the prepaid or postpaid information when purchasing the goods, transmits transaction information through the ARS to the buyer terminal, and inputs a password signal from the buyer terminal. It accepts the transaction approval or rejection of the transaction and bills the purchase price to the mobile carrier server.

The operation management server 300 is connected to the mobile carrier to which the purchaser terminal is subscribed, and when purchasing goods from the affiliated merchants, to authenticate the identity to the mobile phone through the ARS in order to make the purchase price now, prepaid agent In this case, the purchase price is directly deducted from the balance of the prepaid chip card installed in the user's mobile phone.In the case of post-paid payment, the purchaser pays the purchase price to the mobile phone number of the buyer and then charges the monthly communication fee with the mobile carrier. Be sure to charge a fee.

The operation management server 300 is connected to the communication transmission and reception unit 305 configured to communicate with the outside, the communication transmission and reception unit, a variety of information including the mobile phone number of the buyer of the member and various information of the shop owner is a member Information input unit 310 to receive the input, the member registration / withdrawal processing unit 320 to register / withdraw the buyer's information according to the mobile phone number of the buyer entered through the input unit, the membership / withdrawal processing unit Member authentication unit 330 to authenticate the membership according to the information of the buyer registered through the member, credit rating management unit 340 to manage the credit rating for each member through the member authentication unit, the determination of the credit rating management unit By differentially setting the amount that the buyer can purchase by the transaction authentication unit 350 to determine whether the transaction authentication, the transaction person When the transaction authentication is authorized through the increase, the ARS management unit 360 for notifying the buyer terminal of the information to the ARS, payment information is transmitted through the ARS management unit, and if the identity verification information is authenticated from the buyer terminal, the transaction is made. In addition, the settlement management unit 370 to settle the amount to each buyer terminal, the output unit 380 for outputting the payment information to the outside by the management as described above, including the mobile phone number of the buyer who is a member required for the payment process A member DB 391 storing various information and various information of a store owner who is a member, a payment account DB 393 storing information related to a member's payment account, and a billing DB 395 storing payment information. It includes a storage unit 390 including (see Figure 4).

The operation management server 300 will be described in detail in FIG.

Mobile communication company server 400 is connected to the operation management server, when the payment of goods in the process of performing wireless communication with the buyer terminal, after prepayment of the purchase price to the mobile phone number so that payment is made, The mobile telecommunication company server will charge the above charges every month when charging the communication fee.

2 is a view showing the internal configuration of a buyer terminal according to the present invention.

As shown in FIG. 2, the purchaser terminal 100 includes a wireless communication unit 110 that is in charge of wireless communication with a mobile communication exchange station so as to be able to communicate with the outside, and various kinds of purchasers provided in a purchaser terminal such as a phone number input or a barcode output. A function selector 130 for selecting a function, a liquid crystal display 140 for displaying a barcode corresponding to an operation state or a mobile phone number of the purchaser terminal (mobile phone), and a terminal controller 150 for controlling the overall operation of the purchaser terminal. The bar code generation unit 160 generates a bar code of the mobile phone number under the control of the terminal controller, and includes a prepaid chip mounting unit 170 on which a prepaid chip is mounted when a prepaid type is used when purchasing an article.

First, the wireless communication unit 110 is to be in charge of the wireless communication with the mobile communication switching center to enable communication with the seller terminal, the operation management server.

When the buyer wants to purchase the item, the function selection unit 130 receives the ARS information from the operation management server and selects a function such as a payment function or a barcode input unit so that the buyer can store the ARS information accordingly. do.

The liquid crystal display 140 displays a barcode corresponding to an operation state or a mobile phone number of the buyer terminal when the buyer purchases an item.

That is, when the purchaser operates the function selection unit 130 and selects the barcode output function, the terminal controller 150 reads out the telephone number and transmits the phone number to the barcode generator 160, and the barcode generator 160 A corresponding barcode is generated and transmitted to the terminal controller 150, and the terminal controller 150 outputs the barcode to the liquid crystal display 140.

On the other hand, the bar code may be attached to the case of the purchaser terminal 100 in the form of a sheet, in this case, the bar code generator 160 will be unnecessary.

When the prepaid chip mounting unit 170 uses a prepaid form when purchasing an item, the purchaser separately purchases or charges the prepaid chip and mounts it inside the purchaser terminal.

The purchase of goods within the amount of the amount stored in the prepaid chip is made.

3 is a view showing the internal configuration of the seller terminal according to the present invention.

As shown in FIG. 3, the seller terminal 200 according to the present invention is connected to the transceiver 210 configured to communicate with the outside, and is connected through the transceiver, such as by inputting a purchaser's mobile phone number or the present invention. A key input unit 220 for inputting various functions required for a device such as a credit transaction function selection, a barcode scanning unit 230 for scanning a barcode attached to an article, a credit transaction function input through the key input unit or the barcode scanning unit, and Receiving the information necessary for the goods transaction, the storage unit 240 for temporarily storing, the output unit 250 for outputting the information required for the goods transaction stored in the storage to the outside, the payment is made according to the information of the buyer terminal It includes a payment settlement unit 260 for extracting and providing information of the purchaser terminal, and a control unit 270 for performing data communication via the Internet. The.

The transceiver 210 allows communication with the purchaser terminal and the operations management server.

The key input unit 220 is connected to the transceiver unit, and selects to use a mobile phone number input or credit transaction function selection, the payment function through the ARS to use the service.

The barcode scanning unit 230 scans a barcode attached to the article or scans a barcode of a purchaser terminal.

The storage unit 240 receives the credit transaction function and the information required for the goods transaction input through the key input unit or the barcode scan unit, and temporarily stores the information.

The output unit 250 outputs the information necessary for the transaction of the goods stored in the storage unit to the purchaser terminal or the operation management server.

The payment settlement unit 260 allows the payment to be made according to the information of the purchaser terminal.

The controller 270 extracts and provides information on the purchaser terminal and performs data communication via the Internet.

4 is a diagram illustrating an internal configuration of an operation management server according to the present invention.

As shown in Figure 4, the operation management server 300 is connected to the communication transceiver configured to communicate with the outside, the communication transmission and reception unit, a variety of information including the mobile phone number of the purchaser as a member And an information input unit 310 for receiving various information of a store owner who is a member, and a membership registration / withdrawal processing unit 320 for registering / subscribing the buyer's information according to the mobile phone number of the buyer entered through the information input unit. ), A member authentication unit 330 for authenticating a member according to the information of the registered buyer through the membership registration / withdrawal processing unit, and a credit rating management unit for managing a credit rating for each member through the member authentication unit ( 340), by differentially setting the amount that the buyer can purchase at the judgment of the credit rating management unit, to determine whether the transaction authentication When the transaction authentication unit 350, the transaction authentication unit is authorized through the transaction authentication unit, the ARS management unit 360 to notify the buyer terminal of the corresponding information to the ARS, payment information is transmitted through the ARS management unit, the buyer terminal When the identity verification information from the authentication, the transaction is made, the settlement management unit 370 to settle the amount to each buyer terminal, the information output unit 380 to output the payment information to the outside by the management as described above, the payment process Member DB (391) that stores a variety of information, including the mobile phone number of the buyer as a member and various information of the store owner as a member, billing account DB (393) for storing information related to the member's payment account, billing information When the information storage unit 390 including the payment DB 395 is stored, and a signal according to the purchase of goods from the purchaser terminal is input, ARS And it includes information controller 301 for controlling so as to, be a purchase payment, and to determine the identity authentication.

When the transaction authentication is permitted through the transaction authentication unit, the ARS management unit 360 notifies the buyer terminal of the corresponding information to the ARS. When the ARS management unit 360 is connected to the buyer terminals through the mobile communication network server, a predetermined ARS guide is provided. Provide a broadcast and decode the received telephone signal.

5 is a diagram illustrating a buyer subscription process according to the present invention.

As shown in FIG. 5, the step of registering a password by calling a mobile communication company server and registering a password, when calling a operation management server through a mobile phone to be subscribed from a purchaser terminal (S101), the operation management The server checks the subscription state whether the corresponding buyer terminal is subscribed to the mobile communication company server.

In this case, if it is determined that the mobile communication company server is not a normal subscriber, the mobile communication company server rejects the subscription (S105), and if it is determined that the normal subscriber is a normal subscriber, the subscriber approval processing (S107).

The subscription approval process requests password / name / resident number information from the purchaser terminal (S109), and the password / name / resident number information is inputted according to the requested information so that the subscription process is performed (S111).

6 is a diagram illustrating a payment service method using a mobile phone number according to the present invention as an account.

As shown in FIG. 6, the payment service method using the mobile phone number as an account performs a step of determining whether to use a prepaid or postpaid method.

In step S5, the operation management server purchases or charges the prepaid chip card to use the service, or makes a phone call to the mobile communication company server to authenticate the identity, and then selectively use the service.

As a result of the determination of step S5, when using the prepaid method from the buyer terminal, performs the step S800 to configure the prepaid chip in the buyer terminal, and if using the service in a postpaid method, performs the step S10 to subscribe to the authentication service .

The step S800 will be described in detail with reference to FIGS. 8 to 9.

First, as a post-payment method, the mobile phone to be authenticated to the operation management server to call the mobile carrier server to register the password to perform the step of subscribing to the authentication service.

Next, the operation management server performs a step of determining whether a payment request has been made by purchasing goods (S20).

Next, if the purchaser terminal is a subscriber subscribed to the authentication service, the operation management server transmits transaction information through ARS to the registered mobile phone number and requests a password input.

Next, the buyer checks the transaction information and then enters the password into the mobile phone. (S40)

That is, in step S40, the operation management server sends an ARS phone requesting a password input to the purchaser terminal and receives password information input by the buyer from the purchaser terminal.

Next, the operation management server compares the received password with the password registered at the time of registration, and if the match is approved, and if it does not match, performs the step of rejecting the transaction.

Next, the operation management server, if the received password and the password registered at the time of registration match, the transaction is approved, to perform the payment. (S60)

7 is a diagram illustrating a cost settlement process according to the present invention.

As shown in FIG. 7, as a subroutine representing the payment processing S60 according to the transaction of FIG. 6, in order for the purchaser terminal to purchase goods, the payment processing is performed by a merchant located at a seller terminal. Perform the billing step (S61) is billed, and the operation management server to pay the merchant as much as the corresponding amount. (S63)

Next, the mobile telecommunication company server performs a step of billing the buyer by billing once a month (S65).

Next, the purchaser terminal performs the step of paying the bill charged from the mobile communication company server (S67).

Next, the operation management server performs a step of receiving payment once a month from the mobile communication company server. (S69)

In the present invention, each of all the components are connected, when the payment of the goods in the process of performing wireless communication with the buyer terminal device, through the ARS so that the payment is made, the mobile phone number After prepayment of the purchase price, the mobile carrier server to charge the above charges in the case of monthly communication charges.

Since the present invention performs wireless communication with the purchaser terminal, the entire process of payment of goods is performed within a few seconds of 7 to 15 seconds, so there is no inconvenience in using it.

8 is a diagram illustrating a subscription process according to the form of a prepaid chip according to the present invention.

As shown in FIG. 8, the purchaser makes a call to the mobile phone through the purchaser terminal (S801), and checks the state of the prepaid chip in the operation management server (S803). The operation management server transmits a signal to make a request for confirmation to the mobile communication company server (S805), and the mobile communication service provider server determines whether the state of the prepaid chip is normal (S807).

In this case, when the prepaid chip state is an abnormal state in which a state in which the goods cannot be purchased, transmits a subscription rejection signal to an operation management server (S809), and when the prepaid chip state is normal, receiving subscription approval information ( S811) is performed.

The operation management server transmits a password request signal to the purchaser terminal (S813), and the purchaser terminal inputs the password to the operation management server (S815) to allow subscription processing (S817).

That is, before using the service, the prepaid chip is purchased separately, mounted on the purchaser's terminal, and after confirmation of identity verification through ARS, payment of the goods is made so that the goods are paid within the amount of money stored in the money card. .

At this time, the prepaid chip is able to store the amount of money as desired for the user's convenience.

9 is a diagram illustrating a settlement procedure according to the form of a prepaid chip according to the present invention.

As shown in FIG. 9, in the settlement procedure in the form of a prepaid chip according to FIG. 8, a purchaser purchases a prepaid chip to be mounted in a purchaser terminal (S901) and pays a price to a mobile communication company server (S903). The terminal performs a billing from the operation management server from time to time (S905), the operation management server pays the request immediately (S907), the mobile communication server to pay the monthly payment to the operation management server To use the settlement of this service.

The payment system using the mobile phone can be changed according to the communication situation of each country.

The present invention described above is not limited to the above-described detailed description of the invention and the accompanying drawings, and those skilled in the art can be variously modified without departing from the spirit and scope of the present invention described in the claims below. Modifications and variations are also included within the scope of the invention.

1 is a view showing a payment system with a mobile phone number according to the present invention as an account.

2 is a view showing the internal configuration of a buyer terminal according to the present invention.

3 is a view showing an internal configuration of a seller terminal according to the present invention.

4 is a view showing the internal configuration of the operation management server according to the present invention.

5 illustrates a buyer subscription process in accordance with the present invention.

6 is a view showing a payment service method using a mobile phone number according to the present invention as an account.

7 illustrates a cost settlement process in accordance with the present invention.

8 is a diagram illustrating a subscription procedure according to the form of a prepaid chip according to the present invention.

9 is a diagram illustrating a settlement procedure according to the form of a prepaid chip according to the present invention.

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

100: buyer terminal 110: wireless communication unit

130: function selection unit 140: liquid crystal display unit

150: terminal control unit 160: barcode generation unit

170: prepaid chip mounting portion 200: seller terminal

210: transceiver unit 220: key input unit

230: barcode scanning unit 240: storage unit

250: output unit 260: payment settlement unit

270: control unit 300: operation management server 400: mobile communication company server

Claims (12)

In the payment system using a mobile phone number as an account, A purchaser terminal 100 which is always carried by the buyer and which is a means for paying for the goods when the goods are purchased; A seller terminal 200 for inputting information of the buyer terminal and inputting information necessary for payment of goods; Send or receive the relevant information necessary for the purchase of the goods with the buyer terminal according to the information on whether the product is prepaid or postpaid, and transmits the transaction information through the ARS to the buyer terminal, and receives the password signal from the buyer terminal to approve or reject the transaction. An operation management server 300 for determining and charging a purchase price to a mobile communication company server; And A mobile communication company server 400 performing wireless communication with the purchaser terminal, the seller terminal, or the operation management server and billing the purchaser terminal; Billing payment system with a mobile phone number, characterized in that it comprises a. The method of claim 1, The buyer terminal 100, A wireless communication unit 110 in charge of wireless communication with a mobile communication switching center so as to be able to communicate with the outside; A function selection unit 130 for selecting various functions provided in the purchaser terminal, such as telephone number input or barcode output; A liquid crystal display unit 140 displaying a bar code corresponding to an operation state or a mobile phone number of the purchaser terminal (mobile phone); A terminal controller 150 for controlling the overall operation of the buyer terminal and controlling to transmit password information necessary for authentication of the buyer terminal to the outside; And In the case of using a prepaid form when purchasing an article, the prepaid chip mounting unit 170 on which the prepaid chip is mounted; Billing payment system with a mobile phone number, characterized in that it comprises a. The method of claim 2, The buyer terminal 100, Under the control of the terminal control unit payment system for generating a mobile phone number barcode of the buyer terminal further comprises a bar code payment system account, characterized in that it further comprises. The method of claim 1, The seller terminal 200, A transceiver 210 configured to communicate with the outside; A key input unit 220 connected through the transceiver to input various functions necessary for a device such as a purchaser's mobile phone number input or a credit transaction function selection according to the present invention; A barcode scanning unit 230 for scanning a barcode attached to the article; A storage unit 240 for receiving and temporarily storing a credit transaction function and information required for a product transaction input through the key input unit or the barcode scan unit; An output unit 250 for outputting information necessary for the transaction of the goods stored in the storage unit to the outside; A payment settlement unit 260 for performing payment settlement according to the information of the buyer terminal; And A control unit 270 which provides information on the purchaser terminal to the operation management server, performs data communication via the Internet, and transmits a transaction approval or transaction rejection signal from the operation management server to perform payment; Billing payment system with a mobile phone number, characterized in that it comprises a. The method of claim 1, The operation management server 300, A communication transceiver 305 configured to communicate with the outside; An information input unit 310 connected by the communication transmitting and receiving unit to receive various types of information including a mobile phone number of a buyer as a member and various types of information of an affiliated store as a member; Member registration / withdrawal processing unit 320 to register or withdraw the buyer's information according to the mobile phone number of the buyer entered through the information input unit; A member authentication unit 330 for authenticating the membership according to the information of the buyer registered through the membership registration / withdrawal processing unit; A transaction authentication unit 350 which determines whether the transaction is authenticated by differentially setting the amount that the purchaser can purchase after the membership is authenticated through the member authentication unit; An ARS management unit 360 for notifying the ARS of the corresponding information to the purchaser terminal when the transaction authentication is permitted through the transaction authentication unit; When the payment information is transmitted through the ARS management unit, and authenticates the identification information from the buyer terminal, the transaction is made, the settlement management unit 370 for setting the amount to each buyer terminal; An information output unit 380 for outputting payment information to the outside by the management as described above; An information storage unit 390 for storing various kinds of information of the buyer who is a member necessary for the payment process and information necessary for payment; And An information control unit 301 for confirming the user's authentication through the ARS and controlling the payment of the purchase price when a signal corresponding to the purchase of the product is input from the buyer terminal; Billing payment system with a mobile phone number, characterized in that it comprises a. The method of claim 5, The storage unit 390, A member DB 391 which stores various information including a mobile phone number of a buyer who is a member necessary for the payment process and various information of a store owner who is a member; A payment account DB 393 that stores information related to a member's payment account stored in the member DB; And A payment DB 395 in which payment information is stored according to a payment account stored in the payment account DB; Billing payment system with a mobile phone number, characterized in that it comprises a. The method of claim 6, The credit rating management unit for managing the credit rating for each member through the member authentication unit; Payment system with a mobile phone number characterized in that it further comprises. In the payment service method using a mobile phone number as an account, (a) determining whether a prepaid or postpaid method is used (S5); (b) registering a password to the mobile communication company server as a purchaser terminal to be authenticated to the operation management server and subscribing to the authentication service (S10); (c) determining, by the operation management server, whether there is a request for payment according to a purchase of goods from a buyer (S20); (d) the operation management server transmitting transaction information to the purchaser terminal through ARS and requesting a password (S30); (e) receiving, by the operation management server, password information from the purchaser terminal (S40); (f) approving the transaction if the operation management server compares the received password information with the password registered at the time of registration and rejects the transaction if it does not match (S50); And (g) when the operation management server matches the received password and the registered password when registering, the transaction is approved and settled (S60); Payment service method using a mobile phone number as an account. The method of claim 8, In step (b), (b-1) receiving a call from the purchaser terminal to the operation management server through a mobile phone to be subscribed to (S101); (b-3) the operation management server checking a subscription state whether the corresponding purchaser terminal is subscribed to a mobile communication company server (S103); (b-5) determining whether the operation management server is a normal subscriber subscribed to the mobile communication company server (S105); (b-7) if it is determined that the operation management server is a normal subscriber, requesting a name / resident number to process subscription approval (S107); And (b-9) allowing the operation management server to register the name / resident number information from the purchaser terminal and process the subscription (S109); Payment service method using a mobile phone number as an account. The method of claim 8, Step (g) is (g-1) the operation management server receiving billing information from the seller terminal (S61); (g-3) the operation management server making a payment to an affiliated store (seller terminal) by the amount charged (S63); (g-5) the mobile telecommunication company server charging the purchaser terminal once a month (S65); (g-7) the purchaser terminal paying the bill charged from the mobile communication company server (S67); And (g-9) the operation management server receiving a payment once a month from the mobile communication company server (S69); Payment service method using a mobile phone number as an account. The method of claim 8, In the step (a), when using a prepaid chip of the prepaid method, (a-11) checking, by the operation management server, a prepaid chip state through a telephone signal received from a purchaser terminal (S803); (a-13) transmitting, by the operation management server, a signal for requesting confirmation of the prepaid chip state to a mobile communication company server (S805); (a-15) the mobile communication company server determining whether the state of the prepaid chip is normal (S807); (a-17) when the operation management server receives a signal that is determined to be an abnormal state in which the state of the prepaid chip is incapable of purchasing goods to the mobile communication company server, transmits a subscription rejection signal, and the prepaid If the chip state is normal, receiving registration approval information (S811); And (a-19) the operation management server transmitting a password request signal to a purchaser terminal and inputting a password from the purchaser terminal (S815); Payment service method using a mobile phone number as an account. The method of claim 8, In the step (g), when the settlement using the prepaid chip of the prepaid method, (g-11) purchasing a prepaid chip to be mounted in the purchaser terminal and paying the server for the mobile communication company (S903); (g-13) receiving a charge signal from the seller terminal to the operation management server (S905); (g-15) the operation management server providing a payment to the seller terminal (S907); And (g-17) performing a payment once a month by the operation management server from the mobile communication company server (S909); Payment service method using a mobile phone number as an account.

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