KR20090105011A - Payment method using IP address and payment device thereof - Google Patents

Abstract

PURPOSE: A payment method using an IP address and a payment device thereof are provided to completely remove risk of exposing a lot of information like a bankbook or a credit card. CONSTITUTION: A payment method using an IP address comprises the following steps. An external server(200) receiving information of an authentication server(300) from a customer terminal(100) transmits an IP address of a customer and authentication request information. An IP database(320) searches an IP address of the customer terminal. Information for checking a customer corresponding to an IP address that an ISP(500) manages is stored in the IP database. When the IP address of the customer terminal can not be found or is not suitable for payment processing, authentication rejection notification is transmitted to the external server and the processing ends.

Description

Payment method using IP address and payment device

The present invention relates to a payment method using an IP address and a payment device thereof.

With the development of communication, the importance of payment is emerging in cyberspace such as the Internet. Payment is required to be simple and secure.

In the related art, there have been payments by bankbook payment, payments by real time account transfer, credit card payment, payments added to mobile phone charges, and the like.

However, the payment by the passbook payment has been inconvenient to inform the other party when and in which name the deposit was made after the passbook payment was made, and the items such as the other party's account number were entered at the time of the passbook deposit. Many were sent to the wrong person.

In addition, since payment by real-time account transfer is required to input both information on the bankbook and security information, which can be said to be the center of financial life, if such information is hacked, there is a risk of enormous damage.

And even in the case of credit card payment, if the credit card number and password were hacked, there was a risk of enormous damage.

In addition, the payment is added to the mobile phone bill, there was a inconvenience to receive the authentication code to the mobile phone, and input the authentication code to the customer terminal.

The present invention has been made to solve the problems of the prior art as described above, and provides a payment method and a payment device using an IP address that has no risk of exposing enormous information, such as a bank account or credit card, the damage caused by hacking I would like to.

In addition, it is to provide a payment method and a payment device using an IP address that can be easily used with a single click without inputting a large amount of information such as a passbook deposit.

In addition, it is to provide a payment method and a payment device using a simple IP address that does not need to re-type the authentication code sent to another device, such as mobile phone bill total payment.

The first embodiment of the payment method using the IP address according to the present invention for solving the above problems, an external server having authentication processing means and payment means, a customer terminal having input and output means, authentication means and IP database And a payment method using an IP address using a system in which a payment server and an authentication server having a payment database are connected to each other by a communication means, wherein the external server receiving the authentication server information from the customer terminal is the IP address of the customer terminal. When the authentication request information is transmitted together, retrieving the IP address of the customer terminal from an IP database in which an IP address managed by an ISP (Internet Service Provider) and corresponding customer identification information are stored. As a result of the search, it is found that the IP address of the customer terminal is not found or is inappropriate for payment processing. In this case, the step of terminating after transmitting a notification of not allowing authentication to the external server, and if the IP address of the customer terminal is found as the search result, transmits payment intention confirmation information to the customer terminal. Receiving payment intention confirmation information from a customer terminal, transmitting authentication permission information and payment amount inquiry information to the external server, receiving payment amount information from the external server, and allowing payment to the external server And transmitting the additional fee information to the billing server of the ISP used by the customer terminal.

The second embodiment of the payment method using the IP address according to the present invention includes an external server having authentication processing means and payment means, a customer terminal having input / output means, authentication means, IP database, payment means, and payment database. In the payment method using an IP address using a system in which the authentication server having a connection is connected to each other by a communication means, the external server receiving the authentication server information from the customer terminal, along with the IP address and payment amount of the customer terminal is authenticated When the request information is transmitted, searching for the IP address of the customer terminal in an IP database in which an IP address managed by the ISP and corresponding customer identification information is stored, and the search result, the IP of the customer terminal. If the address is not found or information is found to be inappropriate for payment processing, authentication with the external server is not allowed. Terminating after transmitting the notification; and if the search result and IP address of the customer terminal are found, transmitting payment confirmation information to the customer terminal and receiving payment intention confirmation information from the customer terminal. And transmitting the authentication permission information, the payment permission information, and the settlement amount information to the external server, and transmitting the additional fee information to the billing server of the ISP used by the customer terminal.

A third embodiment of a payment method using an IP address according to the present invention includes an external server having an authentication processing means and a payment means, a customer terminal having input / output means, an authentication means, an IP database, a payment means, and a payment database. In the payment method using an IP address using a system in which the authentication server having a connection is connected to each other by a communication means, the external server receiving the authentication server information from the customer terminal, the authentication request information with the IP address of the customer terminal When the client terminal transmits the payment intention confirmation information, the client terminal searches for the IP address of the client terminal in an IP database that stores the IP address managed by the ISP and corresponding customer identification information. Step, and the search result, the information that the IP address of the customer terminal is not found or is inappropriate for payment processing is found. In the case of sending an authentication disallowed notification to the external server, and terminating. If the search result, the IP address of the customer terminal is found, the authentication permission information and payment amount inquiry information is transmitted to the external server. And receiving payment amount information from the external server, transmitting payment permission information and settlement amount information to the external server, and transmitting additional fee information to the billing server of the ISP used by the customer terminal. It is characterized by.

A fourth embodiment of a payment method using an IP address according to the present invention includes an external server having authentication processing means and payment means, a customer terminal having input / output means, authentication means, IP database, payment means, and payment database. In the payment method using an IP address using a system in which the authentication server having a connection is connected to each other by a communication means, the external server receiving the authentication server information from the customer terminal, along with the IP address and payment amount of the customer terminal is authenticated When the request information is transmitted and the customer terminal transmits the payment intention confirmation information, the IP address of the customer terminal in the IP database that stores the IP address managed by the ISP and corresponding customer identification information is stored. Searching for, and determining that the IP address of the customer terminal cannot be found or is not suitable for payment processing. If a report is found, sending an authentication disallowed notice to the external server and ending the step; and if the IP address of the customer terminal is found as a result of the search, authentication permission information and payment permission information for the external server. And transmitting the settled amount information and transmitting the additional fee information to the billing server of the ISP used by the customer terminal.

The payment device using the IP address according to the present invention outputs a received message and includes a client terminal having input / output means for inputting authentication server information and payment intention information, and the IP address of the customer terminal with respect to the authentication server. When the authentication request is sent by sending the payment amount, and the authentication disallowed information is received from the authentication server, the payment disallowing information is transmitted to the customer terminal, and when the authentication permission information is received from the authentication server, the authentication process is operated. A system comprising an external server having a means and a payment means for performing a payment completion process for the customer terminal based on payment permission information based on the authentication permission information and the payment amount information. In the payment device using the IP address consisting of the authentication server for payment processing In addition, the IP database that stores the customer identification information corresponding to the IP address managed by the ISP, the payment amount information received from the external server, the IP address of the customer terminal and the payment doctor information received from the customer terminal An authentication means for retrieving the existence and payment suitability information of the IP address of the customer terminal from the IP database, generating authentication permission information or authentication permission information, and transmitting it to the external server; Payment means for transmitting the payment permission information and the settlement amount information to the external server, and transmitting the additional fee information to the billing server of the ISP so that the settlement amount is added to the billing amount of the ISP used by the customer terminal; Characterized in that it comprises a payment database for storing the payment amount information paid to the server .

According to the present invention as described above, there is no risk of exposing a huge amount of damage caused by hacking, such as bank account or credit card at the time of payment.

And, without the need to enter a large amount of information, such as passbook payment, payment can be easily used with a single click.

In addition, like mobile phone bill payment, payment is simplified without having to type the verification code sent to another device back into the computer.

Hereinafter, the present invention will be described in detail with reference to the accompanying drawings. However, even if drawings differ, the same code | symbol may be attached | subjected about the thing which has the same structure and function, and the detailed description may be abbreviate | omitted.

1 is a block diagram of a payment apparatus to which a payment method using an IP address of the present invention is applied (all servers and terminals have communication means, which are not shown).

The payment method using the IP address according to the present invention uses a system in which the customer terminal 100, the external server 200, and the authentication server 300 are connected to each other by means of communication. The authentication server 300 in the system constitutes a payment device using an IP address according to the present invention. That is, the payment device using the IP address according to the present invention is a payment device using the IP address consisting of the authentication server 300 for performing the payment processing of the customer terminal 100 for the external server 200.

The customer terminal 100 has an input / output means 110.

The input / output means 110 means a means for outputting the received message and inputting the authentication server 300 information and payment intention information. The input / output means 110 includes, for example, input means such as a keyboard and a mouse, and output means such as a computer monitor, a printer, a speaker, and the like. By the input means, for example, the command button of the home page of the external server 200 may be clicked or typed into a text box. By the output means, for example, a message or image data transmitted from the external server 200 or the authentication server 300 can be output. Naturally, such as a touch screen, the input means and the output means are also included.

The external server 200 is provided with an authentication processing means 210 and a payment means 220.

When the authentication processing unit 210 transmits an IP address and a payment amount of the customer terminal 100 to the authentication server 300 to make an authentication request and receives authentication disallowed information from the authentication server 300. In addition, the non-payment information is transmitted to the customer terminal 100, and receiving the authentication permission information from the authentication server 300 is a means for operating the payment means 220.

The payment means 220 is a means for performing a payment completion process for the customer terminal 100 based on the payment permission information based on the authentication permission information and the payment amount information.

The authentication server 300 includes an authentication means 310, an IP database 320, a payment means 330, and a payment database 340. The authentication server 300 may be a server directly operated by an ISP (Internet Service Provider) 500 described later.

The IP database 320 is a database that stores customer identification information corresponding to the IP address managed by the ISP 500. In the structure of the IP database 320, an IP address is a mandatory field, and the payment obligation is paid to the accounting server 400 of the ISP 500 used by the customer terminal 100 in correspondence with the IP address. Essential data must be stored to verify that the customer is a valid customer. In other words, customer identification information paired with an IP address is a required field.

As an example of such customer confirmation information, the ID of the customer using the ISP 500 is mentioned. The customer ID is verified by a password. As another example of such customer confirmation information, the MAC address of the main components of the customer terminal 100 connected to the ISP 500, for example, the MAC address of the LAN card can be given. Since these MAC addresses are unique, they are useful identification information if they are examined at the time of connection and managed in a database. Accordingly, the data structure of the IP database 320 is shown in Table 1 below.

IP id pw MAC Credit Information

Here, the credit information is information about whether or not the authentication server 300 is suitable for payment processing instead of the payment cost to be paid by the customer terminal 100. For example, there is an unpaid item in the past payment of the ISP 500 usage fee or a rating as a result of retrieving credit information from a financial institution. According to this credit information, the use of the settlement service of the present invention can be limited.

The authentication means 310 is based on the payment amount information received from the external server 200, the IP address of the customer terminal 100 and the payment intention information received from the customer terminal 100, the IP database ( 320 is a means for retrieving whether the IP address of the customer terminal 100 and payment suitability information, and generates the authentication permission information or authentication failure information to transmit to the external server (200). This will be described later.

The payment means 330, in the case of the authentication permission information, transmits the payment permission information and the settlement amount information to the external server 200, and to the billed amount of the ISP 500 used by the customer terminal 100. It is a means for transmitting the additional fee information to the billing server 400 of the ISP 500 so that the payment amount is added. That is, after the authentication means 310 authenticates that the client terminal 100 pays the payment amount to be paid to the external server 200 in place of the authentication server 300, the external server ( Determining and executing what amount of money to pay at 200) and at what time, and to compensate the authentication server 300 in the customer terminal 100 for the amount paid instead, the billing server It functions as a side to add the claim amount to (400). The payment amount, payment time information, and information transmission information on the billing server 400 for the external server 200 are stored in the payment database 340. If subsequent execution is required, the execution time is When it arrives, necessary payment and settlement are performed.

The payment database 340 is a database that stores the payment amount information paid to the external server 200. That is, it is a means for preserving the payment amount, payment time information, and information transmission content for the billing server 400 for the external server 200 determined by the payment means 330. The charging means 410 provided in the charging server 400 stores the additional charge information received from the payment means 330 in the charging database 420. When a predetermined billing time arrives, for example, once a month, the billing processing is performed on the client terminal 100 side, and when the billing for the billing is confirmed, the payment means 330 confirms the collection confirmation information. Send it.

2, in the first embodiment of the payment method using the IP address of the present invention, the customer terminal transmits the payment intention information in response to the inquiry from the authentication server 300, the external server 200 is the authentication server ( This is a data flow chart when the payment amount information is transmitted in response to an inquiry from 300).

The first embodiment of the payment method using the IP address according to the present invention comprises a search step, an authentication disallowed step, a payment intention confirmation step, an authentication permission step, and a settlement step. Since the first embodiment has a more complicated configuration than all the other embodiments of the present invention, the description thereof will be made in detail.

The searching step, if the external server 200 receives the authentication server 300 information from the customer terminal 100, and transmits the authentication request information with the IP address of the customer terminal 100, ISP (500) Searching for the IP address of the customer terminal 100 in the IP database 320 that stores the IP address and the corresponding customer identification information corresponding to the management IP address.

The customer terminal 100 is to pay a predetermined amount to the external server 200 for any transaction. At this time, the payment method may be various. The external server 200 may be able to select a payment method by the authentication server 300 according to the present invention, in addition to the conventional banknote payment, real-time account transfer, credit card payment, and the like.

At this time, in order to enable payment by the authentication server 300 as a payment method, various information necessary for payment together with the IP address of the authentication server 300 from the authentication server 300 in advance is the external server 200 It should be entered in. Information necessary for the payment and IP address information of the authentication server 300 may be implemented, for example, in the form of a payment program.

In the customer terminal 100, by outputting the screen data provided from the external server 200 to the input and output device of the customer terminal 100, it is possible to know the type of payment method, among which the authentication server 300 In order to select a payment by a user, an operation by an input / output device of the customer terminal 100, for example, a keyboard or a mouse, may be performed.

While the payment method by the authentication server 300 is selected by the customer terminal 100, the payment intention information by the customer terminal 100 is transmitted to the external server 200 (for example, the 'payment button' click). If so, the external server 200, along with the IP address of the customer terminal 100, transmits an authentication request to the server. In this case, the IP address information of the customer terminal 100 is information already known by the external server 200 when the customer terminal 100 accesses the external server 200.

However, as will be described later, the external server 200 may send the payment amount information together, in which case, the payment amount confirmation procedure in the authentication allowance step in the subsequent step is omitted. In addition, the customer terminal 100 may send the payment intention information to the authentication server 300, in this case, the payment intention confirmation step in the subsequent step is omitted.

However, as described above, the IP database 320 is a database in which customer information that a specific ISP 500 can charge is stored. That is, the ISP 500 corresponds to ID information for each customer, and the terminal of the customer having the unique ID has a unique MAC address. When the customer with the ID is connected to the communication network, an IP address is assigned, and the assigned IP address is managed by the ISP 500 together with the ID information or MAC address information. Accordingly, the authentication server 300 may be understood as a server that is a server inside the ISP 500 or a server that receives and operates the database from the ISP 500. As described above, credit information may be stored together in the IP database 320.

The authentication server 300, based on the IP address of the customer terminal 100, and searches whether the customer terminal 100 is a terminal of the customer listed in the IP database (320). If the customer terminal 100 is not the terminal of the customer of the ISP 500 that provided the IP database 320, the search result, the IP address of the customer terminal 100 cannot be found. On the contrary, if the customer terminal 100 is the terminal of the customer of the ISP 500 that provided the IP database 320, the search result, the IP address of the customer terminal 100 may be found. The credit information is also retrieved.

In the authentication disallowing step, when the search result, the IP address of the customer terminal 100 cannot be found or information (for example, information of non-payment, delinquent, bad credit, etc. in credit information) is found to be unsuitable for payment processing. In the following step, the authentication disallowed notification is transmitted to the external server 200 and then terminated. In addition, the external server 200 that has received the authentication disallowed notification, the payment settlement notification to the customer terminal (100). In this case, if the reason information is received together with the authentication disallowed notification from the authentication server 300, it is preferable to notify the reason of payment not possible. As a result, the authentication process at the authentication server 300 is terminated, and the external server 200 may process as a failure in payment processing, and may again present another payment method option.

In the payment intention confirmation step, if the IP address of the customer terminal 100 is found in the search result, the payment intention confirmation information is transmitted to the customer terminal 100 and the payment is made from the customer terminal 100. Receiving pseudo confirmation information. That is, to verify whether the authentication request from the external server 200 is legitimate, it is to directly verify the customer terminal 100 identified from the IP address. At this time, if the MAC address can be known from the IP database 320, there is a case where a message can be directly sent to the MAC address (for example, in the case of a KT megapath new authentication service).

The authentication permission step is a step of transmitting authentication permission information to the external server 200. If the payment amount information is not transmitted from the external server 200 to the authentication server 300 in advance, the payment amount inquiry information is transmitted and the payment amount information is received from the external server 200. This terminates the procedure relating only to authentication.

In the settlement step, the payment permission information and the settlement amount information are transmitted to the external server 200, and the additional fee information is transmitted to the billing server 400 of the ISP 500 used by the customer terminal 100. to be.

The payment permission information may be transmitted when the payment amount is included within a range that may be allowed in view of the credit information of the customer.

The settlement amount means an amount that the authentication server 300 should pay to the external server 200. This is because the client server 100 pays the amount to be paid to the external server 200 by the authentication server 300, and in principle, the amount is equal to the amount. However, the fee for the authentication service provided by the authentication server 300 may be considered.

For example, the customer terminal 100 was to pay 100,000 won to the external server 200, the customer terminal 100 is said to choose to pay through the authentication server (300). Then, the authentication server 300 should pay 100,000 won to the external server (200). In this case, since the external server 200 has made a purchase using the authentication service of the authentication server 300, the external server 200 may deduct the use fee.

On the other hand, since the authentication server 300 paid 100,000 won to the external server 200 in place of the customer terminal 100, and transfers the amount to the billing server 400 of the ISP 500, The ISP 500 of the customer terminal 100 makes payment in addition to the Internet usage fee. Therefore, when the customer terminal 100 deposits 100,000 won (but may be additional interest or use fee for the service paid instead) to the billing server 400, the settlement of all transactions Is done.

Here, the time point at which the settlement server 300 transfers the settlement amount to the external server 200 may be performed simultaneously with the transfer of the settlement amount information, may be performed several hours or days later, and the customer It may be performed after confirming that the payment is completed from the terminal 100 to the charging server 400. In addition, even after the payment is completed from the customer terminal 100, in order to ensure the payment of the counter payment of the payment amount for the customer terminal 100 from the external server 200, rather than immediately remittance, the customer The terminal 100 may transmit the money only after receiving information indicating that the money may be transmitted to the external server 200.

3, in the second embodiment of the payment method using the IP address of the present invention, the customer terminal transmits the payment intention information in response to the inquiry from the authentication server 300, the external server 200 in advance payment amount Data flow chart when transferring information.

In the second embodiment of the payment method using the IP address according to the present invention, unlike the first embodiment, in the searching step, the external server 200 provides the payment amount information to the authentication server 300. The difference is that it is transmitted in advance. In this way, since the payment amount information is transmitted in advance in the previous step, in the authentication allowance step in the subsequent step, it is not necessary to inquire about this payment amount information and receive the reply.

The other configuration is the same as that of the first embodiment.

4, in the third embodiment of the payment method using the IP address of the present invention, the customer terminal transmits the payment intention information in advance, the external server 200 in accordance with the inquiry from the authentication server 300 payment amount Data flow chart when transferring information.

In the third embodiment of the payment method using the IP address according to the present invention, unlike the first embodiment, in the searching step, the customer terminal 100 provides the payment intention information to the authentication server 300. The difference is that it is transmitted in advance. As described above, since the payment intention information is transmitted in the previous step, the payment intention confirmation step in the subsequent step does not need to be performed.

Here, as a configuration for transmitting the payment intention information to the authentication server 300 by the customer terminal 100, a program for inducing the function may be installed in the external server 200. That is, when the customer terminal 100 transmits payment intention information to the external server 200 (for example, click a 'payment button'), thereby, the external terminal 200 to the customer terminal 100. Command code can be sent. The command code is to transmit the payment doctor information from the customer terminal 100 to the authentication server (300). At this time, the customer terminal 100, when receiving the command code may be provided with a module for automatically transmitting payment information to the authentication server (300). The module may be installed by an ActiveX code received from the external server 200 or the authentication server 300.

The other configuration is the same as that of the first embodiment.

5 is a flowchart illustrating a data flow when a customer terminal transmits payment intention information in advance and an external server 200 transmits payment amount information in advance in a payment method using an IP address of the present invention. to be.

In the fourth embodiment of the payment method using the IP address according to the present invention, unlike the first embodiment, in the searching step, the external server 200 pre-pays the payment amount information with respect to the authentication server 300. There is a difference in that it transmits, and the customer terminal 100 transmits the payment intention information to the authentication server 300 in advance. In this way, since the payment amount information and the payment intention information are transmitted in advance in the previous step, in the authentication allowance step in the subsequent step, there is no need to inquire about the payment amount information and receive the reply, and the payment intention confirmation step needs to be performed. There is no. The fourth embodiment may be understood as a combination of the second and third embodiments.

The other configuration is the same as that of the first embodiment.

As mentioned above, although the specific Example was described with respect to this invention, this invention is not limited to this, The deformation | transformation and a change made in the range which does not deviate from the range of the invention described in the claim to be included in the scope of the present invention. Should be interpreted.

The present invention can be applied to a payment field in which a server managing an IP address intervenes in payment using a communication network such as the Internet.

1 is a block diagram of a payment apparatus to which a payment method using an IP address of the present invention is applied (all servers and terminals have communication means, which are not shown).

2 is a payment method using the IP address of the present invention, in the first embodiment, a customer terminal transmits payment intention information according to an inquiry from an authentication server, and an external server pays the payment amount according to an inquiry from an authentication server. Data flow chart when transferring information.

FIG. 3 shows a case where a customer terminal transmits payment intention information in response to an inquiry from an authentication server and an external server transmits payment amount information in advance in the second embodiment of the payment method using the IP address of the present invention. Data flow chart.

Fig. 4 shows a case where a customer terminal transmits payment intention information in advance in a payment method using an IP address of the present invention, and an external server transmits payment amount information in response to an inquiry from an authentication server. Data flow chart.

Fig. 5 is a data flow chart when a customer terminal transmits payment intention information in advance and an external server transmits payment amount information in advance in the fourth embodiment of the payment method using the IP address of the present invention.

* Description of the symbols for the main parts of the drawings *

100: customer terminal

110: input and output means

200: external server

210: authentication processing means

220: payment method

300: authentication server

310: authentication means

320: IP database

330: payment method

340: payment database

400: billing server

410: charging means

420: billing database

500: ISP (Internet Service Provider)

Claims (5)

An external server having an authentication processing means and a payment means, a customer terminal having an input / output means, and a system in which the authentication means, the IP database, the authentication server having the payment means and the payment database are connected to each other by a communication means. In the payment method using an IP address, When the external server receiving the authentication server information from the client terminal transmits the authentication request information together with the IP address of the client terminal, the IP server stores the corresponding client identification information together with the IP address managed by the ISP. Retrieving the IP address of the customer terminal; If it is found that the IP address of the customer terminal is not found or is found to be inadequate for the payment process, the step of sending after the authentication disallowed notification to the external server is terminated; If the IP address of the customer terminal is found, transmitting the payment intention confirmation information to the customer terminal and receiving the payment intention confirmation information from the customer terminal; Transmitting authentication permission information and payment amount inquiry information to the external server, and receiving payment amount information from the external server; Transmitting payment permission information and settlement amount information to the external server, and transmitting additional fee information to the billing server of the ISP used by the customer terminal; Payment method using an IP address, characterized in that provided with. An external server having an authentication processing means and a payment means, a customer terminal having an input / output means, and a system in which the authentication means, the IP database, the authentication server having the payment means and the payment database are connected to each other by a communication means. In the payment method using an IP address, When the external server receiving the authentication server information from the customer terminal transmits the authentication request information together with the IP address and the payment amount of the customer terminal, the IP address managed by the ISP and the corresponding customer identification information are stored. Retrieving the IP address of the client terminal from an IP database; If it is found that the IP address of the customer terminal is not found or is found to be inadequate for the payment process, the step of sending after the authentication disallowing notification to the external server is terminated; If the IP address of the customer terminal is found, transmitting the payment intention confirmation information to the customer terminal and receiving the payment intention confirmation information from the customer terminal; Transmitting authentication permission information, payment permission information, and settlement amount information to the external server, and transmitting additional fee information to the billing server of the ISP used by the customer terminal; Payment method using an IP address, characterized in that provided with. An external server having an authentication processing means and a payment means, a customer terminal having an input / output means, and a system in which the authentication means, the IP database, the authentication server having the payment means and the payment database are connected to each other by a communication means. In the payment method using an IP address, The external server receiving the authentication server information from the client terminal transmits the authentication request information together with the IP address of the client terminal. Also, when the client terminal transmits the payment intention confirmation information, the IP address managed by the ISP Retrieving the IP address of the customer terminal from the IP database in which corresponding customer identification information is stored; If it is found that the IP address of the customer terminal is not found or is found to be inadequate for the payment process, the step of sending after the authentication disallowing notification to the external server is terminated; If the IP address of the customer terminal is found, transmitting the authentication permission information and the payment amount inquiry information to the external server, and receiving the payment amount information from the external server; Transmitting payment permission information and settlement amount information to the external server, and transmitting additional fee information to the billing server of the ISP used by the customer terminal; Payment method using an IP address, characterized in that provided with. An external server having authentication processing means and payment means, a customer terminal having input / output means, a authentication server having an authentication means, an IP database, a payment means and a payment database are connected to each other by a communication means. In the payment method using the IP address to use, The external server receiving the authentication server information from the client terminal transmits the authentication request information together with the IP address and the payment amount of the client terminal, and when the client terminal transmits the payment intention confirmation information, the ISP manages the information. Retrieving the IP address of the client terminal from an IP database in which the customer identification information corresponding to the IP address is stored; If it is found that the IP address of the customer terminal is not found or is found to be inadequate for the payment process, the step of sending after the authentication disallowing notification to the external server is terminated; If the IP address of the customer terminal is found as a result of the search, the authentication permission information, payment permission information, and settlement amount information are transmitted to the external server, and additional fee information is transmitted to the billing server of the ISP used by the customer terminal. Steps to Payment method using an IP address, characterized in that provided with. Outputs the received message, and the client terminal having an input and output means for inputting the authentication server information and payment intention information, and the authentication server by sending an IP address and payment amount of the customer terminal to the authentication server, and the authentication request, Upon receiving authentication disallowed information from the server, the payment information is transmitted to the customer terminal, and upon receiving authentication permission information from the authentication server, authentication processing means for operating a payment means, and the authentication permission information and the payment amount information. In the system consisting of an external server having a payment means for performing a payment completion processing for the customer terminal in accordance with the payment permission information, the IP comprising an authentication server for performing the payment processing of the customer terminal to the external server In the payment device using the address, An IP database that stores IP addresses managed by the ISP and corresponding customer identification information; On the basis of the payment amount information received from the external server, the IP address of the customer terminal and the payment intention information received from the customer terminal, the existence and the payment suitability information of the IP address of the customer terminal are retrieved from the IP database and authenticated. Authentication means for generating allowed information or unauthorized information and transmitting the generated information to the external server; In the case of the authentication permission information, the payment permission information and the settlement amount information are transmitted to the external server, and the additional fee information is transmitted to the billing server of the ISP so that the settlement amount is added to the billing amount of the ISP used by the customer terminal. Which payment method to use, Payment database for storing the payment amount information paid to the external server Payment device using an IP address, characterized in that consisting of.

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