KR20090085190A - System and method for purchasing settlement service via mobile network - Google Patents

Abstract

A purchasing settlement service system through a mobile network and a method thereof are provided to enable a mobile communication terminal to integrate and manage information of purchased products from plural online shopping malls in a single shopping basket settlement list managed by a VM(Virtual Machine) module. A mobile communication terminal(12) selects mobile shopping basket settlement of a purchased product. The mobile communication terminal inquires a product registered in a single shopping basket settlement list assigned through a shopping basket program module. The mobile communication terminal performs mobile settlement about a desired product. A shopping basket settlement managing system(16) performs settlement of the product.

Description

System and Method for Purchasing Settlement Service via Mobile Network}

The present invention relates to a purchase payment service system and method through a mobile network that collects a list of products to be purchased from a plurality of online shopping malls into a single shopping cart so as to conveniently perform a purchase payment.

As is well known, the distribution of multimedia web information through the Internet network is actively performed according to the increase of the Internet line speed and the development of multimedia technology, and as the security technology for distribution of goods through the Internet is developed, Transactions of goods or services that were mainly sold are being made through online internet shopping malls.

In addition, when a mobile content environment in a mobile communication terminal using a conventional mobile communication network is connected to a wireless portal established by each mobile communication company, a content providing service is provided by accessing limited content provided by a partner agreement with the mobile communication company. It was composed of a closed network structure that can receive, and recently, a full browsing service that can provide an open mobile content providing environment has been developed and commercialized.

The full browsing service in the mobile communication terminal enables the user to reproduce the same form as the web page screen implemented on the screen of the personal computer terminal (PC) connected to the wired Internet even through the screen of the mobile communication terminal. Since the web surfing of the web page is possible, the mobile communication terminal can access the online shopping mall site on the wired Internet and can conveniently search for the product to be purchased. The purchase payment for the selected product can be performed.

However, in the case of purchasing a product through an online shopping mall in such a mobile terminal, if there is a product to be purchased, it is necessary to immediately proceed with the payment process by determining whether or not to proceed with the payment, and for a product that does not require immediate payment Even if you register as a favorite through the shopping cart function of the shopping mall, the shopping cart function is operated individually for each of the online shopping malls. Therefore, you need to check the shopping cart details by accessing each shopping mall individually. In case of missing, a problem arises in that it is possible to miss the purchase time of the product desired to be purchased.

In addition, when a mobile communication terminal wants to purchase a product for each shopping mall site, it is inconvenient to install a security program for authentication and perform an authentication procedure through the security program.

Accordingly, the present invention has been made in view of the above-described conventional situation, and an object thereof is to collectively manage a list of products to be purchased through a single shopping cart and to manage the mobile products in a shopping mall through a mobile communication terminal. The present invention provides a payment service system and a method for purchasing payment through a mobile network, which enables immediate payment processing through a shopping cart product list.

Another object of the present invention is to integrate and manage the list of products purchased in multiple shopping malls into a single shopping cart through the VM (Virtual Machine) module of the mobile communication terminal, and through the mobile network to enable immediate payment through the VM payment function It is to provide a purchase payment service system and its method.

In order to achieve the above object, according to the system of the present invention, the mobile shopping cart payment processing to select the product to be purchased in the online shopping mall through the mobile network, and to provide the terminal information for this, through the shopping cart program module A mobile communication terminal which performs a mobile payment process for a product desired to be purchased by inquiring a product registered in a single shopping cart payment list assigned to the user, and operates a separate online shopping mall, and pays the mobile shopping cart by the mobile communication terminal. A plurality of shopping mall servers that provide information on the goods selected by the processing and the terminal information to the shopping cart payment management system, and are informed of the payment processing result of the goods, and are assigned to the mobile communication terminal through the terminal information provided from each shopping mall server. Shopping cart A shopping cart payment management system for registering information of a product selected for purchase in a lock and allowing a shopping cart payment list to be queried through a shopping cart program module of the mobile communication terminal so that payment processing of the product proceeds, and a shopping cart of the mobile communication terminal It provides a payment service system for purchases through a mobile network, comprising a financial company payment server that performs payment processing for products in a shopping cart payment list in conjunction with a mobile payment function through a program module.

According to the method of the present invention, a mobile communication terminal selects a product to be purchased in an online shopping mall through a mobile network as a mobile shopping cart payment processing, and inputs and provides terminal information for this; Requesting the shopping cart payment by transmitting the information and the terminal information of the product selected for the mobile shopping cart payment processing by the mobile communication terminal to the shopping cart payment management system in the shopping mall server operating the online shopping mall, the shopping mall in the shopping cart payment management system Registering information of a shopping cart payment target product received from a server into a single shopping cart payment list assigned to the mobile communication terminal, accessing the shopping cart payment management system through a shopping cart program module in the mobile communication terminal Inquiring a product registered in a single shopping cart payment list assigned to a scene and performing a mobile payment process for a product desired to be purchased, and managing a shopping cart payment of a mobile payment processing result from the mobile terminal by a financial institution payment server; It provides a method of payment service for purchases through a mobile network, comprising the step of notifying the shopping mall server of the product through the system.

As described above, according to the present invention, it is possible to integrate and manage the information of goods to be purchased from a plurality of online shopping malls in a single shopping cart payment list managed by the VM module in the mobile communication terminal, VM mobile payment of the VM module Since the function of the shopping cart payment list can be processed immediately through the function, it is not necessary to pay for the product to be purchased immediately, there is an advantage that can be determined more carefully whether to purchase the product.

In addition, since a single shopping cart payment list assigned to them can be integrated and managed for each of the online shopping malls, products can be identified at a glance for consumers to buy more efficiently. The VM mobile payment function of the VM module enables the payment of goods registered in the shopping cart payment list immediately, thus eliminating the complicated payment process such as the authentication program installation procedure or the authentication procedure for the existing shopping mall payment. Simpler and more secure payment processing is possible.

Hereinafter, the present invention configured as described above will be described in detail with reference to the accompanying drawings.

That is, FIG. 1 is a diagram illustrating a configuration of a purchase payment service system through a mobile network according to the present invention.

As shown in FIG. 1, the purchase payment service system through the mobile network according to the present invention includes a mobile communication terminal 10, a counterpart mobile communication terminal 12, a mobile communication network, a gateway server 14, an internet network, A plurality of shopping mall servers A1 to An, a shopping cart payment management server 16, a shopping cart information database 18, a VAN network, and a financial institution payment server 20 are configured.

The mobile communication terminal 10 manages the shopping cart payment by selecting a mobile shopping cart payment for a product to be purchased from the plurality of shopping mall servers A1 to An through an internet browsing function (particularly, a full browsing function). Information of the purchased goods is registered in a single shopping cart payment list managed by the server 16, and the products in the single shopping cart payment list are accessed by accessing the shopping cart payment management server 16 through a VM (Virtual Machine) module. The VM mobile payment function will immediately proceed with the purchase payment process.

Here, the mobile communication terminal 10 selects a product to be squeezed out of products registered in a single shopping cart payment list through a VM module and selects the other mobile communication terminal 12 through the shopping cart payment management server 16. You can request to buy the product.

The counterpart mobile communication terminal 12 receives the cutting product information from the shopping cart payment management server 16 according to the request for purchasing the trough product of the mobile communication terminal 10 and immediately through the VM mobile payment function through the VM module. Perform purchase payment processing.

The plurality of shopping mall servers A1 to An present the products to be sold from the online shopping mall sites operated by the plurality of shopping mall servers, and the terminals of the mobile communication terminal 10 according to the mobile shopping cart payment selection through the mobile communication terminal 10. When registering the phone number, the shopping cart payment request to the shopping cart payment management server 16 based on the terminal phone number, the VM module in the mobile communication terminal 10 for the goods registered in a single shopping cart payment list When the payment process is made, the payment completion information is received from the shopping cart payment management server 16 and the delivery of the corresponding product is performed.

The shopping cart payment management server 16 secures an information storage area for a mobile shopping cart payment list for a user of the mobile communication terminal 10, and stores the information of the mobile communication terminal 10 from the shopping mall servers A1 to An. When there is a shopping cart payment request based on the terminal phone number, the information of the purchased product is registered in a single mobile shopping cart payment list, and the mobile communication terminal 10 sends a short message service (SMS) or TID ( Teleservice Identifier) A short message (TID SMS) notifies that the product is registered in the shopping cart payment list.

The shopping cart payment management server 16 provides a shopping cart payment list assigned to a corresponding user when the mobile communication terminal 10 is connected through the operation of a VM module, and payment processing for goods included in the shopping cart payment list is performed. By making it possible, when the payment completion of the product is notified from the financial institution payment server 20, the product payment completion information is delivered to the shopping mall server selling the corresponding product.

In addition, the shopping cart payment management server 16, if the request to buy the other party's mobile communication terminal 12 for a specific product included in the shopping cart payment list by the mobile communication terminal 10, the counterpart mobile communication terminal ( 12) the information of the product requested to be purchased through the short message (SMS) or the TID short message (TID SMS) is provided, and the counterpart mobile communication terminal 12 may proceed to process the payment of the product by the VM module. Make sure

The shopping cart information database 18 provides a storage area for storing the mobile shopping cart payment list for each user of the mobile communication terminal 10 by the shopping cart payment management server 16 and is provided from the shopping mall servers A1 to An. The product information of the shopping cart payment product is registered and managed in the shopping cart payment list of the mobile communication terminal 10.

The financial company payment server 20 performs an account transfer or credit card payment processing for the payment processing of purchases for the products of the shopping cart payment list in conjunction with the VM mobile payment function through the VM module of the mobile communication terminal 10, The payment completion result is transmitted to the mobile communication terminal 10 and the shopping cart payment management server 16.

Next, FIG. 2 is a diagram illustrating an information processing flow for a state in which a product to be purchased in an online shopping mall is added to a shopping cart payment list according to a preferred embodiment of the present invention.

As shown in FIG. 2, the mobile communication terminal 10 includes an internet browser 30 for browsing and viewing an online shopping mall site operated by each shopping mall server A1 to An, and the shopping cart payment management server 16. VM module 32 for accessing the product registered in the single shopping cart payment list owned by the user, and immediately performing payment processing through the VM mobile payment function for the selected product to be purchased, and data for processing the Internet web information. In addition to storing the data memory 34, the data memory 34 stores information generated through the operation of the VM module 32.

The mobile communication terminal 10 accesses a specific shopping mall server using an internet browser 30 and selects a product to purchase and selects the product as a mobile shopping cart payment on a web page for payment of the selected product. Input the terminal phone number of the mobile communication terminal 10.

The shopping mall server requests the shopping cart payment of a purchased product to the shopping cart payment management server 16 based on the terminal phone number input by the mobile communication terminal 10, thus, the company information of the online shopping mall (ie, a company). Code), product information (i.e., the product's unique code), the product payment amount, and the terminal telephone number.

Here, the shopping mall server is to provide the terminal telephone number of the mobile communication terminal 10 to the shopping cart payment management server 16, but the mobile communication by the agreement between the shopping mall server and the shopping cart payment management server 16 If a member ID is assigned to the user of the terminal 10, the member ID may be transmitted instead of the terminal telephone number.

The shopping cart payment management server 16 displays the information of the purchased goods received from the shopping mall server, that is, the company name obtained by the company information (company code), the product name obtained by the product information (product code), and the payment amount of the shopping cart information. While additionally registering and storing in the shopping cart payment list assigned to the corresponding mobile communication terminal 10 of the database 18, the validity period for the product information (that is, the deadline for actually making a payment after being registered in the shopping cart). Determine and register.

On the other hand, the validity period is preferably to be determined according to the agreement with the shopping mall server that provided the information of the purchased goods.

Then, the shopping cart payment management server 16 notifies the mobile communication terminal 10 that the corresponding product is registered in the shopping cart payment list through a short message (SMS) or a TID short message (TID SMS), and the mobile communication. When the terminal 10 is notified that the product is added to the shopping cart payment list, the terminal 10 drives the VM module 32 to access the shopping cart payment management server 16 as shown in FIG. Information of newly registered products can be inquired in the payment list.

Next, FIG. 4 is a diagram illustrating an information processing flow for a state of performing a payment for a product of a shopping cart payment list through a VM module according to a preferred embodiment of the present invention.

As shown in FIG. 4, the mobile communication terminal 10 includes a display unit 36 for displaying on the screen a mobile shopping cart payment list inquired by driving the VM module 32.

The mobile communication terminal 10 drives the VM module 32 to access the shopping cart payment management server 16 and receives its shopping cart payment list so that the screen is displayed on the display unit 36.

In this state, when a payment item of a specific product is selected from the products included in the shopping cart payment list according to a user's arbitrary selection, the financial institution payment server 20 is accessed through the VM mobile payment function of the VM module 32. To make a payment by bank transfer or credit card.

The financial company payment server 20 notifies the shopping cart payment management server 16 of the payment result when the product purchase payment with the mobile communication terminal 10 is successful, and the shopping cart payment management server 16 While deleting the item of the product for which the payment processing is completed in the shopping cart payment list, and notifies the shopping mall server selling the product of the payment completion information of the product.

Next, FIG. 5 is a diagram illustrating an information processing flow of a state in which a purchase payment is performed in a counterpart mobile communication terminal through a function of trunking a product included in a shopping cart payment list according to a preferred embodiment of the present invention.

As shown in FIG. 5, the mobile communication terminal 10 accesses the shopping cart payment management server 16 through a VM module 32 to receive a shopping cart payment list of its own and displays a screen through the display unit 36. To be displayed.

The VM module 32 selects a product to be squeezed to the counterpart from among the products included in the shopping cart payment list, and transmits the selected squeeze product information and the terminal phone number of the counterpart to be squeezed to the cart payment management server 16. send.

The shopping cart payment management server 16 transmits the information of the tide product based on the counterpart terminal phone number provided by the mobile communication terminal 10 through a short message (SMS) or a TID short message (TID SMS). Transfer to terminal 12.

On the other hand, when the counterpart mobile communication terminal 12 receives the information of the trunking product from the shopping cart payment management server 16, it drives its VM module 32A to access the shopping cart payment management server 16. On the other hand, access to the financial institution payment server 20 through the VM mobile payment function to perform the payment for the tide products.

Accordingly, the financial company payment server 20 notifies the shopping cart payment management server 16 of the payment result of the trough product, and the shopping cart payment management server 16 provides the product information of the trough product for which the payment is completed. It deletes from the shopping cart payment list and transmits the payment completion information of the product to the shopping mall server selling the corresponding product.

Next, the operation of the present invention made as described above will be described in detail with reference to the flowcharts of FIGS. 6 and 7 and the drawings of FIGS. 8A to 8G.

First, the overall operation of the purchase payment service method through the mobile network will be described with reference to the flowchart of FIG. 6.

First, the mobile communication terminal 10 accesses a specific shopping mall server through the Internet to search for a product to be purchased (step S10). If a product to be purchased is determined as a result of the inquiry of the product, as shown in FIG. 8A. As described above, the purchase product is selected as the mobile shopping cart payment on the payment web page of the product, and the terminal telephone number of the corresponding mobile communication terminal 10 is input (step S11).

The shopping mall server requests the mobile shopping cart payment of the purchased product based on the terminal telephone number input by the mobile communication terminal 10 and provides the shopping cart payment management server 16 with the information of the purchased product (step S12). ).

The shopping cart payment management server 16 registers and stores information on the purchased goods received from the shopping mall server in a shopping cart payment list assigned to the user of the mobile communication terminal 10 in the shopping cart information database 18, and stores the corresponding product. Determining the validity period for the mobile communication terminal 10 is registered with the mobile communication terminal 10 through the short message (SMS) or the TID short message (TID SMS), as shown in FIG. The shopping cart payment details have arrived ", and a message notifying that the product is registered in the shopping cart payment list is delivered (step S14).

Accordingly, the mobile communication terminal 10 drives the VM module 32 to access the shopping cart payment management server 16 and receives information data about its shopping cart payment list, as shown in FIG. 8C. As shown on the screen of the display unit 36, it is possible to confirm that the newly purchased and selected product is registered in the shopping cart payment list of the user (step S15).

In this state, the shopping cart payment management server 16 monitors an expiration date for each commodity registered in the shopping cart payment list, and determines whether there is an impending commodity having an expiration date, for example, one day (step S16). ).

As a result of the determination, when it is determined that there is a product having an expiration date, among the products registered in the shopping cart payment list, the shopping cart payment management server 16 moves through the short message (SMS) or the TID short message (TID SMS). As shown in Fig. 8D, the communication terminal 10 transmits an information message about a product which is about to expire, such as "There is a product which has an expired mobile shopping basket. Will you connect?" (Step S17).

Meanwhile, the mobile communication terminal 10 may perform payment processing for the corresponding product in response to the notification of the imminent state of the validity period, but the mobile communication terminal 10 does not respond to the imminent product of the validity period. If it is not visible, the shopping cart payment management server 16 deletes the information of the product from the shopping cart payment list when the expiration date of the product.

The mobile communication terminal 10 is connected to the shopping cart payment management server 16 by responding to an information message about a product which is about to expire, or by driving the VM module 32 by an arbitrary operation of the terminal user. Then, the product information of the shopping cart payment list is received (step S18).

The mobile communication terminal 10 selects a product to be substantially paid among products included in a shopping cart payment list through the VM module 32 (step S19), and selects one of credit card payment and bank transfer. If the payment by bank transfer is selected, as shown in FIG. 8E, the name of the product to be purchased and the account to be paid are selected while the payment amount is displayed on the screen, and the transfer password is entered to enter the payment server 20. ), Payment of the selected product is performed (step S20).

However, when a credit card is selected as the payment method, the selected product may be settled by inputting a credit card number and a card password that are held by the VM mobile payment function.

The financial company payment server 20 performs an authentication process for a bank transfer or credit card payment for the purchase of goods from the mobile communication terminal 10 (step S21), and when the payment is successful, as shown in FIG. 8F. As such, the mobile communication terminal 10 is notified of the payment result via a message such as "mobile payment has been normally made" (step S22).

In addition, the financial institution payment server 20 notifies the shopping cart payment management server 16 of the completion of the payment of the product (step S23), and the shopping cart payment management server 16 is the shopping cart information database 18 In step S24, after deleting the information of the completed payment product information in the shopping cart payment list assigned to the mobile communication terminal 10, the payment completion information of the product is transmitted to the shopping mall server selling the corresponding product (step S25). ).

Next, with reference to the flowchart of Figure 7 in the purchase payment service method through the mobile network according to the present invention will be described in detail the operation of the other party to perform the purchase payment.

First, the mobile communication terminal 10 accesses a specific shopping mall server through the Internet to search for a product to be purchased (step S30). If a product to be purchased is determined as a result of the inquiry of the product, on the payment webpage of the product The purchase product is selected as the mobile shopping cart payment and the terminal telephone number of the corresponding mobile communication terminal 10 is input (step S31).

The shopping mall server requests the mobile shopping cart payment of the purchased product based on the terminal phone number input from the mobile communication terminal 10 and provides the shopping cart payment management server 16 with the information of the purchased product (step S32). ).

The shopping cart payment management server 16 registers and stores information on the purchased goods received from the shopping mall server in a shopping cart payment list assigned to the user of the mobile communication terminal 10 in the shopping cart information database 18, and stores the corresponding product. Determining the expiration date for the registration to register together (step S33), a message notifying that the product is registered in the shopping cart payment list to the mobile terminal 10 through a short message (SMS) or TID short message (TID SMS) (Step S34).

Accordingly, the mobile communication terminal 10 drives the VM module 32 to access the shopping cart payment management server 16 and receives information data about its shopping cart payment list, thereby allowing the display unit 36 to display the display unit 36. On the screen, it is possible to confirm that the newly-selected product is registered in the shopping cart payment list of the user (step S35).

In this state, the mobile communication terminal 10 selects a product for requesting to buy the other party from among the products registered in the shopping cart payment list (step S36), and the terminal telephone of the other party to be choked together with the product list to be fed The number is entered and transmitted to the shopping cart payment management server 16 (step S37).

Accordingly, the shopping cart payment management server 16 transmits a short message (SMS) or a TID short message to the counterpart mobile communication terminal 12 based on the terminal phone number of the counterpart party to be provided provided from the mobile communication terminal 10. Through a message (TID SMS), as shown in FIG. 8G, a message for notifying of the arrival of the trough item list such as, for example, "The trough item list has arrived from 010-8080-1234. Would you like to connect" is transmitted (step S38).

Accordingly, the counterpart mobile communication terminal 12 drives its VM module 32A to access the shopping cart payment management server 16 to check the payment list of the tucking product (step S39), as shown in FIG. 8E. In the same manner as the settled payment process, the payment for the tightening product is performed (step S40).

The financial company payment server 20 performs an authentication process for a bank transfer or a credit card payment for purchasing the trough product from the counterpart mobile communication terminal 12 (step S41). The counterpart mobile communication terminal 12 is notified (step S42).

In addition, the financial institution payment server 20 notifies the shopping cart payment management server 16 of the completion of the payment of the tide products (step S43), the shopping cart payment management server 16 in the shopping cart information database 18 After deleting the information of the product requested to be squeezed from the mobile communication terminal 10 to the counterpart mobile communication terminal 12 (step S44), the payment completion information of the product is transmitted to the shopping mall server selling the corresponding product ( Step S45).

On the other hand, the present invention made as described above is connected to the shopping cart payment management server through the VM (Virtual Machine) module to perform the check and payment processing of the mobile shopping cart payment list, the present invention is not limited to this assignment to the server It is also possible to process information on a single shopping cart payment list and process payment on a WAP using a WAP browser, and on a web using a web browser. Of course, it is possible to process as much as possible.

In addition, in the present invention made as described above, since it is possible to manage the payment details of the product through a single shopping cart payment list, it is possible to proceed with the integrated mileage service using the integrated product payment management function.

While specific embodiments of the present invention have been described and illustrated above, it will be apparent that the present invention may be embodied in various modifications by those skilled in the art. Such modified embodiments should not be understood individually from the technical spirit or the prospect of the present invention, but should fall within the claims appended to the present invention.

1 is a diagram showing the configuration of a purchase payment service system through a mobile network according to the present invention;

2 is a diagram illustrating an information processing flow for a state of adding a product to be purchased in an online shopping mall to a shopping list according to a preferred embodiment of the present invention;

3 is a diagram illustrating a state of inquiring a shopping cart payment list by driving a VM module of a mobile communication terminal;

4 is a diagram illustrating an information processing flow for a state of performing a payment for a product of a shopping cart payment list through a VM module according to a preferred embodiment of the present invention;

5 is a diagram illustrating an information processing flow of a state in which a purchase payment is performed in a counterpart mobile communication terminal through a function of trunking a product included in a shopping cart payment list according to a preferred embodiment of the present invention;

6 is a flowchart illustrating the overall operation of a purchase payment service method through a mobile network according to the present invention;

7 is a flowchart illustrating an operation of a counterparty to perform a purchase payment with a truncate function in the purchase payment service method through a mobile network according to the present invention;

8A to 8G are diagrams illustrating an exemplary screen for a purchase payment process of a product using a mobile shopping cart payment list by driving a VM module according to an exemplary embodiment of the present invention.

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

10,12: mobile communication terminal, 14: gateway server,

16: shopping cart payment management server, 18: shopping cart information database,

20: financial institution settlement server, A1-An: shopping mall server.

Claims (18)

Select the product you want to purchase in the online shopping mall through the mobile network as the mobile shopping cart payment processing, input the terminal information for this, and search the products registered in the shopping cart payment list assigned to you through the shopping cart program module. A mobile communication terminal performing a mobile payment process for a product desired to be purchased; A plurality of shopping mall servers, each operating a separate online shopping mall, providing the shopping cart payment management system with the information of the product selected by the mobile communication terminal for the mobile shopping cart payment process and the shopping cart payment management system; Register information of a product selected for purchase in a single shopping cart payment list assigned to the mobile communication terminal through the terminal information provided from each shopping mall server, and view the shopping cart payment list through the shopping cart program module of the mobile communication terminal. A shopping cart payment management system to allow payment processing of goods to proceed; And And a financial company payment server configured to perform payment processing for products in a shopping cart payment list in connection with a mobile payment function through a shopping cart program module of the mobile communication terminal. The method of claim 1, The shopping cart program module of the mobile communication terminal is a virtual machine (VM) module connected to and connected to the shopping cart payment management system. The method of claim 1, The shopping cart program module of the mobile communication terminal is any one of a WAP browser or a web browser, and the shopping cart payment management system through a mobile network of either a WAP or a web. Purchase payment service system through a mobile network, characterized in that the access to. The method of claim 1, The terminal information provided to the shopping cart payment management system by the shopping mall server is one of a terminal phone number of a mobile communication terminal and a member ID assigned to a user of the mobile communication terminal. . The method of claim 1, The product information provided by the shopping mall server to the shopping cart payment management system is company information and product code of the shopping mall. The shopping cart payment management system is configured to register information of a company name and a product name in a single shopping cart payment list assigned to the mobile communication terminal. The method of claim 1, The mobile communication terminal purchases payment service system through a mobile network, characterized in that when the payment of the purchase of the shopping cart products by selecting any one of the bank transfer or credit card payment. The method of claim 1, When the shopping cart payment management system receives the product information and the terminal information from the shopping mall server, a new product is registered in the shopping cart payment list through one of a short message (SMS) and a TID short message (TID SMS). Purchase payment service system through a mobile network, characterized in that to notify. The method of claim 1, The shopping cart payment management system determines a validity period until the actual payment for each product registered in the shopping cart payment list, and deletes the information of the product that has passed the expiration date, characterized in that the purchase payment service system via a mobile network. The method of claim 1, The mobile communication terminal transmits the terminal phone number of the other mobile communication terminal to be squeezed by performing a squeeze request to the other party for the goods registered in the shopping cart payment list, The shopping cart payment management system is a payment system for purchase payment through the mobile network, characterized in that to transmit the information of the purchase request product to the counterpart mobile communication terminal based on the terminal phone number. A first step of the mobile communication terminal selecting a product to be purchased at an online shopping mall through a mobile network as a mobile shopping cart payment processing, and inputting and providing terminal information for the mobile shopping cart; A second step of requesting the shopping cart payment by transmitting the information and the terminal information of the product selected for the mobile shopping cart payment processing by the mobile communication terminal to the shopping cart payment management system in the shopping mall server that operates the online shopping mall; Registering, by the shopping cart payment management system, information on the shopping cart payment target product received from the shopping mall server in a single shopping cart payment list assigned to the mobile communication terminal; A fourth step of accessing the shopping cart payment management system through the shopping cart program module to view a product registered in a single shopping cart payment list assigned to the mobile communication terminal and perform a mobile payment process for a product desired to be purchased; And And a fifth step of notifying a shopping mall server of a corresponding product through the shopping cart payment management system at a financial company payment server. The method of claim 10, In the second step, the terminal information provided by the shopping mall server to the shopping cart payment management system is any one of a terminal telephone number of a mobile communication terminal or a member ID assigned to a user of the mobile communication terminal. How to pay for purchases through The method of claim 10, The second step is to provide the product information and product code information of the shopping mall as the information of the product provided by the shopping mall server to the shopping cart payment management system, In the third step, the shopping cart payment management system registers the name of the company and the product name as information on the corresponding product in a single shopping cart payment list assigned to the mobile terminal. Service method. The method of claim 10, In the fourth step, the mobile communication terminal is a payment method for a purchase payment through a mobile network, characterized in that the payment is made by selecting any one of the payment method of the bank transfer or credit card payment of the shopping cart products. The method of claim 10, In the third step, when the shopping cart payment management system receives the product information and the terminal information from the shopping mall server, a new product is transmitted to the mobile communication terminal through either a short message (SMS) or a TID short message (TID SMS). The purchase payment service method through a mobile network, characterized in that further comprising the step of notifying the registration in the shopping cart payment list. The method of claim 10, The fourth step, the purchase payment service method through a mobile network, characterized in that the access to the shopping cart payment management system via a virtual machine (VM) module as a shopping cart program module of the mobile communication terminal. The method of claim 10, In the fourth step, the shopping cart program module of the mobile communication terminal is configured to access the shopping cart payment management system through a mobile network of either WAP or Internet web using either a WAP browser or a web browser. Purchase payment service method through a mobile network, characterized in that. The method of claim 10, In the third step, the shopping cart payment management system is made to determine the valid period until the actual payment for each product registered in the shopping cart payment list, Providing the mobile communication terminal with information of a product that is about to expire; And deleting the information of the product whose expiration date has elapsed without proceeding with the payment processing in the mobile communication terminal. The method of claim 10, Transmitting, by the mobile communication terminal, a terminal phone number of the counterpart mobile communication terminal to perform a trunking purchase request to the other party for a product registered in a shopping cart payment list; Transmitting, by the shopping cart payment management system, information on a trough purchase request product to a counterpart mobile communication terminal based on the terminal phone number; The method of claim 1, further comprising the step of performing a purchase payment processing of the product by inquiring the information of the product received the request to truncate in the counterpart mobile communication terminal from the shopping cart payment management system.

Images