KR20100009153A - Settlement service apparatus, settlement service system and its method - Google Patents

Settlement service apparatus, settlement service system and its method Download PDF

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Publication number
KR20100009153A
KR20100009153A KR1020080069895A KR20080069895A KR20100009153A KR 20100009153 A KR20100009153 A KR 20100009153A KR 1020080069895 A KR1020080069895 A KR 1020080069895A KR 20080069895 A KR20080069895 A KR 20080069895A KR 20100009153 A KR20100009153 A KR 20100009153A
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KR
South Korea
Prior art keywords
payment
information
communication terminal
authentication
mobile communication
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KR1020080069895A
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Korean (ko)
Inventor
이석환
Original Assignee
주식회사 다날
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Priority to KR1020080069895A priority Critical patent/KR20100009153A/en
Publication of KR20100009153A publication Critical patent/KR20100009153A/en

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/16—Payments settled via telecommunication systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04W—WIRELESS COMMUNICATION NETWORKS
    • H04W4/00—Services specially adapted for wireless communication networks; Facilities therefor
    • H04W4/12—Messaging; Mailboxes; Announcements

Abstract

PURPOSE: A settlement service apparatus, a settlement service system and a method thereof are provided to enhance security and convenience for promoting electronic commerce. CONSTITUTION: A settlement service server(108) generates an OTP(One Time Password) corresponding to payment, and transmits the OTP to a mobile communication terminal. The settlement service server performs secondary authentication by comparing the OTP included in the payment information with the generated OTP. The settlement service server requests the approval for the settlement, and transmits the payment approval information to the mobile communication terminal and a web server.

Description

Payment service device, payment service system and method thereof {SETTLEMENT SERVICE APPARATUS, SETTLEMENT SERVICE SYSTEM AND ITS METHOD}

The present invention relates to a payment service technique, and more particularly, to a payment service device, a payment service system, and a method suitable for providing a payment service using user authentication information during electronic commerce.

As is well known, electronic commerce is a new concept of commerce, meaning that the mode process of product or service transaction behavior is carried out using electronic means and techniques. As the market emerged, it spread and made many changes to the existing corporate business environment. In other words, buyers can purchase products they want regardless of time and place, and companies can do business regardless of time and place.

In particular, e-commerce can reduce the distribution stage between buyers and producers in the enterprise and industry side, thereby improving price competitiveness, and lowering the price of products due to the reduction of operating costs such as distribution costs and building rent, Increasing flexibility and qualitative changes in the trading target of trade can increase the trading of intangible goods and services, and in terms of purchasing cars, buyers can purchase the products they want anytime, anywhere, On the social side, there is an effect that can spread the mind of informatization to each part of society.

On the other hand, despite the various effects of electronic commerce, various methods for safe and convenient transactions are being executed in the final payment of the service, except for the physical process of delivery of goods. Payment methods using credit cards and electronic checks, payment methods using electronic money, etc. are provided to buyers to perform electronic commerce payments.

However, the payment method used in the conventional electronic commerce has a problem in security and convenience, and the payment method that can further improve the security and convenience for the activation of electronic commerce is required.

Accordingly, the present invention provides a payment service device, a payment service system, and a method for improving security and convenience by using authentication information including an One Time Password (OTP) when providing a payment service. .

In addition, the present invention provides a payment service device that can improve security and convenience through the first authentication using identification information and the second authentication using authentication information including OTP (One Time Password) when providing a payment service. To provide a payment service system and method thereof.

In one aspect, the present invention, the first authentication using the identification information and the corresponding user information from the communication terminal, generates a one time password (OTP) according to the payment to the mobile communication terminal associated with the communication terminal And performing a second authentication by comparing the generated OTP with the OTP included in the payment information from the communication terminal, and confirming the payment after interworking with a financial service server. Provided is a payment service device provided to a mobile communication terminal.

In another aspect, the present invention is a system for providing a payment service for a specific service or product, comprising: a web server for providing a payment screen upon request for payment from a communication terminal and transmitting identification information or payment information transmitted accordingly; The first identification is performed by comparing the transmitted identification information with the user information, the authentication result is transmitted to the web server, and an OTP (One Time Password) corresponding to the payment is generated to perform mobile communication associated with the communication terminal. After transmitting to the terminal, and performing the second authentication by comparing the OTP included in the payment information from the web server and the generated OTP, requesting approval for the payment and sending the payment approval information to the web server and the The payment service server for transmitting to the mobile communication terminal, the payment service server in conjunction with the approval for performing the payment A payment service system including a financial service server is provided.

In still another aspect, the present invention provides a payment service for a specific service or product, the method comprising: transmitting identification information through a first payment screen provided to a communication terminal when a payment request is made; and a user corresponding to the identification information. Performing first authentication based on the information, generating an One Time Password (OTP) according to the first authentication, transmitting the same to the corresponding mobile communication terminal, and providing the first terminal with the first authentication. Transmitting a payment information including the OTP through a payment screen; and performing a second authentication through the payment information and the generated OTP, and providing the payment approval information. to provide.

The present invention, when providing a payment service through the first authentication using the identification information from the communication terminal when the payment request for a specific service or product, and the second authentication using payment information including the OTP generated after the first authentication Security can be further improved, and by performing the authentication process through OTP, which is a one-time password, more convenient payment service can be provided.

Technical Summary of the present invention, after performing the first authentication using the identification information transmitted from the communication terminal and the user information from the mobile communication service at the time of payment for a particular service or product, and generates an OTP for it, After providing the mobile communication terminal as a short message, when the payment information including the OTP is transmitted from the communication terminal, the payment approval information is provided to the communication terminal and the mobile terminal after performing the second authentication by comparing this with the financial information. Through such technical means, problems in the prior art can be solved.

Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings.

1 is a block diagram of a payment service system suitable for providing a payment service using authentication information including an OTP according to a preferred embodiment of the present invention. The communication terminal 102, the Internet communication network 104, and a web server ( 106, payment service server 108, mobile communication service server 110, financial service server 112, mobile communication network 114, short message service server 116 and mobile communication terminal 118.

Referring to FIG. 1, the communication terminal 102 refers to, for example, a personal computer (PC) and the like, for a service or product to be purchased by accessing a web server 106 that provides a specific service or product. Enter information, request a payment, etc.

In addition, the communication terminal 102 connects to a web server 106 such as a service site or the like through the internet communication network 104, and then makes a payment for purchasing a specific service or product through the internet communication network 104. ), And displays the first payment screen using first payment screen (ie, primary payment screen) data transmitted from the web server 106. Here, the first payment screen may include an input item such as a resident registration number, a mobile communication terminal number, a selection item of a mobile communication company, a payment content, and the like.

Subsequently, the communication terminal 102 transmits the identification information (for example, social security number, mobile communication terminal number, mobile communication company, etc.) input through the displayed first payment screen to the web server 106 via the Internet communication network 104. The second payment screen is displayed using the second payment screen (ie, the second payment screen) data transmitted from the web server 106 after the first authentication, and the payment information input through the web server 106 is displayed. After the second authentication is completed, the payment approval information (for example, name, payment approval number, payment approval content, mobile communication terminal number, etc.) is received from the web server 106 and displayed thereon. .

Here, instead of inputting a resident registration number, a mobile communication terminal number, a mobile carrier, etc. as identification information, the web server 106 may be replaced by an identification number for each user, which is given through membership registration and the like, of course, Accordingly, the web server 106 may of course extract and provide information such as a resident registration number, a mobile communication terminal number, a mobile communication company, etc. corresponding to the identification number for each user. In addition, the second payment screen may include payment details, a selection item of a credit card company, an input item of a payment password, an input item of an One Time Password (OTP), and the payment information. For example, payment details, credit card companies, payment passwords, and may include OTP.

Next, the web server 106 refers to a service server including a service site for selling a specific service or product, and is connected to the communication terminal 102 through the internet communication network 104, and from the communication terminal 102. When a payment for a specific service or product is requested, the first payment screen related thereto is provided to the communication terminal 102, and identification information corresponding to the first payment screen from the communication terminal 102 (eg, social security number, Receives a mobile communication terminal number, a mobile communication company, etc.) and transmits the primary authentication information (for example, social security number, mobile communication terminal number, etc.) for the identification number to the payment service server 108.

In addition, the web server 106 receives a first authentication result (for example, first authentication completion, etc.) from the payment service server 108, and transfers the second payment screen to the communication terminal 102 when the first authentication is completed. If the payment information corresponding to the second payment screen is transmitted from the communication terminal 102, the payment information is transmitted to the payment service server 108, and then the payment approval information is transmitted from the payment service server 108. , And transmits the payment approval information to the communication terminal 102.

Next, the payment service server 108 refers to a WAP (Wireless Application Protocol) server that performs payment for a specific service or product to be purchased in connection with the mobile communication service server 110 and the financial service server 112. In this case, the first authentication information corresponding to the identification information transmitted from the web server 106 is received and the user information is requested to the mobile communication service server 110, and thus the mobile terminal is transmitted from the mobile communication service server 110. Perform primary authentication using user information. In this case, the user information may include, for example, a name, a mobile communication terminal number, a social security number, and the like, thereby performing primary authentication by comparing primary authentication information with user information.

In addition, when the first authentication is completed, the payment service server 108 generates an OTP for the corresponding payment, and then transmits the OTP data to transmit the short message including the OTP to the corresponding mobile communication terminal 118 in the mobile communication network. Request the short message service server 116 via 114, and send the first authentication result to the web server 106. In this case, the payment service server 108 may provide financial information (for example, credit card company, mobile carrier, credit card number, payment password, mobile terminal number, etc.) corresponding to the first authentication information or user information. 112, and stores the financial information transmitted in response to the first authentication. Such financial information may be stored at the time of initial payment, and thereafter, payment may be performed without interworking with the financial service server 112.

The payment service server 108 receives the payment information for the second authentication from the web server 106 after the first authentication, and compares the OTP included in the payment information with the OTP generated in response to the corresponding payment. When the authentication is performed and the second authentication is completed, the payment information is transmitted to the financial service server 112, and the payment approval information (for example, name and payment approval) transmitted from the financial service server 112 in response thereto. At the same time as sending the number to the web server 106, the mobile communication terminal 118 requests the short message service server 116 via the mobile communication network 114 to transmit the short message including payment approval information. In addition, the second authentication may be performed by comparing the OTP generated after the first authentication with the OTP included in the payment information and comparing the payment information with the financial information.

Next, the mobile communication service server 110 is a service server including a service center of a mobile communication company, and when user information related to primary authentication information is requested from the payment service server 108, a name related to primary authentication information, User information including the mobile communication terminal number, social security number, etc. is detected and transmitted to the payment service server 108.

In addition, the financial service server 112 is a server for providing a financial service including a bank, credit card company, etc., and the financial information corresponding to the first authentication information from the payment service server 108 after the first authentication (for example, When a credit card company, a mobile carrier, a credit card number, a payment password, a mobile terminal number, etc.) is requested, the corresponding financial information is detected and transmitted to the payment service server 108, and after the second authentication, the payment service server ( When the payment information is transmitted from 108, the payment approval information (e.g., name, payment approval number, payment approval contents, mobile terminal number, etc.) corresponding to the payment information is approved accordingly. ) Is transmitted to the payment service server 108. Here, the financial information may be updated only when there is an update request from the payment service server 108 after being transmitted to the payment service server 108 at the time of initial payment.

Meanwhile, the short message service server 116 refers to a service center that provides a short message service. When the short message service is requested from the payment service server 108 through the mobile communication network 114, the short message service server 116 includes an OTP in response thereto. A short message, a short message including payment approval information, and the like are generated and transmitted to the mobile communication terminal 118 through the mobile communication network 114.

Next, the mobile communication terminal 118 means a terminal capable of providing a short message service including a mobile phone, a PDA, and the like previously registered to a user of the communication terminal 102, and from the short message service server 116. Various short messages transmitted are displayed on the display device.

In the above-described invention, the Internet communication network 104 should be understood as including all wired and wireless communication networks to be implemented in the future, including TCP / IP and the like, and mobile communication network 114 as well. It should be understood as a concept that includes all kinds of mobile communication networks that are currently implemented or will be implemented in the future, such as CDMA and WCDMA.

Therefore, after performing the first authentication using the identification information transmitted from the communication terminal and the user information from the mobile communication service server at the time of payment for a specific service or product, an OTP is generated and the short message is sent to the mobile communication terminal. After providing as a message, when the payment information including the OTP is transmitted from the communication terminal, the payment approval information can be effectively provided to the communication terminal and the mobile communication terminal after performing the second authentication by comparing it with the financial information.

Next, in the payment service system having the above-described configuration, after the first authentication using identification information and the second authentication using OTP in the payment for a specific service or product, the authentication for the corresponding payment is effectively performed and then approved. Describe the payment service process that provides information.

2 is a diagram illustrating a process of providing a payment service using authentication information including an OTP according to an embodiment of the present invention.

Referring to FIG. 2, the communication terminal 102 accesses a web server 106 such as a service site or the like through the Internet communication network 104 (step 202).

In addition, the communication terminal 102 requests the web server 106 for payment due to a purchase confirmation input for a specific service or product to be purchased (step 204).

Next, when a payment for a specific service or product from the communication terminal 102 is requested, the web server 106 sends a first payment screen (primary payment screen) related thereto through the internet communication network 104 to the communication terminal ( 102) (step 206). Here, the first payment screen may include, for example, an input item such as a social security number, a mobile communication terminal number, a selection item of a mobile communication company, a payment content, and the like.

In addition, the communication terminal 102 transmits identification information including a social security number, an input mobile communication terminal number, a selected mobile communication company, etc. input corresponding to the payment contents through the first payment screen through a web server (the Internet server 104). 106) (step 208).

Here, instead of inputting a resident registration number, a mobile communication terminal number, a mobile carrier, etc. as identification information, the web server 106 may be replaced by an identification number for each user, which is given through membership registration and the like, of course, Accordingly, the web server 106 may of course extract and provide information such as a resident registration number, a mobile communication terminal number, a mobile communication company, etc. corresponding to the identification number for each user.

Meanwhile, the web server 106 receives identification information (for example, a social security number, a mobile communication terminal number, a mobile communication company, etc.) corresponding to the first payment screen from the communication terminal 102, and performs primary authentication for the identification number. The information is transmitted to the payment service server 108 (step 210). Here, the primary authentication information corresponds to identification information, and may include, for example, a social security number, a mobile communication terminal number, and the like.

Next, the payment service server 108 receives the primary authentication information corresponding to the identification information transmitted from the web server 106 and requests the mobile communication service server 110 for the user information about it (step 212). Here, the user information may include, for example, a name, a mobile communication terminal number, a social security number, and the like.

When the user information related to the first authentication information is requested from the payment service server 108, the mobile communication service server 110 detects the user information related to the first authentication information and transmits the user information to the payment service server 108 ( Step 214).

Accordingly, the payment service server 108 compares the resident registration number, the mobile communication terminal number, and the like through the user information transmitted from the mobile communication service server 110 and the primary authentication information (step 216).

After the first authentication is completed, the payment service server 108 generates a one time password (OTP) corresponding to the corresponding payment or authentication, and then transmits a short message including the OTP to the corresponding mobile communication terminal 118. To the short message service server 116 via the mobile communication network 114, and the short message service server 116 generates a corresponding short message (i.e., a short message including an OTP) and transmits the short message to the short message service server 116 through the mobile communication network 114. Transfer to mobile communication terminal 118 (step 218). Such a short message is displayed on the display device through a short message service program provided in the mobile communication terminal 118.

At the same time, the payment service server 108 transmits the first authentication result (that is, the first authentication completed) to the web server 106 (step 220), and simultaneously sends the first authentication information to the financial service server 112. Request the corresponding financial information (step 222). Here, the financial information may include, for example, a credit card company, a mobile communication company, a credit card number, a payment password, a mobile communication terminal number, and the like.

In addition, when financial information corresponding to the primary authentication information is requested from the payment service server 108, the financial service server 112 detects the financial information accordingly and transmits the financial information to the payment service server 108 (step 224). ). Such financial information may be stored in the payment service server 108 at the time of the first payment, and thereafter, payment may be performed without interworking with the financial service server 112. It is preferable to update in conjunction with (112).

In addition, the web server 106 receives a first authentication result (for example, first authentication completion, etc.) from the payment service server 108, and when the first authentication is completed, displays a second payment screen (second payment screen). To the communication terminal 102 (step 226). Here, the second payment screen may include, for example, payment details, a selection item of a credit card company, an input item of a payment password, an input item of an One Time Password, and the like. For convenience, it may include a selection item for storing the input payment information for a preset period.

In addition, the communication terminal 102 displays the provided second payment screen, and transmits the input payment information to the web server 106 (step 228). Here, the payment information may include, for example, payment details, credit card company, payment password, OTP, and the like.

On the other hand, when the payment information corresponding to the second payment screen is transmitted from the communication terminal 102, the web server 106 transmits the payment information to the payment service server 108 (step 130), and the payment service server 108 ) Receives the payment information for the second authentication from the web server 106 and performs the second authentication by comparing the OTP included in the payment information with the OPT generated corresponding to the payment (step 232). When the authentication is completed, the payment information is transmitted to the financial service server 112 (step 234).

Next, when the payment information is transmitted from the payment service server 108, the financial service server 112 approves the payment contents corresponding to the payment information (step 236), and pays the payment approval information corresponding thereto. Send to service server 108 (step 238). In this case, the payment approval information may include, for example, a name, a payment approval number, payment approval details, a mobile communication terminal number, and the like.

In addition, the payment service server 108 transmits such payment approval information to the web server 106 (step 240), and the web server 106 transmits the corresponding payment approval information through the Internet communication network 104 ( 102) (step 242).

Meanwhile, the payment service server 108 requests the short message service server 116 to transmit the short message including the payment approval information to the short message service server 116 through the mobile communication network 114. Accordingly, the short message service server 116 approves the payment. A short message including information is generated and provided to the mobile communication terminal 118 through the mobile communication network 114 (step 244).

Accordingly, after performing the first authentication using the identification information of the communication terminal and the user information of the mobile communication service server at the time of payment for a specific service or product, the OTP is generated and provided to the mobile communication terminal as a short message. After the second authentication is performed by comparing the payment information including the OTP of the communication terminal with the financial information, the payment approval information can be effectively provided to the communication terminal and the mobile communication terminal.

In the foregoing description, the present invention has been described with reference to preferred embodiments, but the present invention is not necessarily limited thereto. Those skilled in the art will appreciate that the present invention may be modified without departing from the spirit of the present invention. It will be readily appreciated that branch substitutions, modifications and variations are possible.

1 is a block diagram of a payment service system suitable for providing a payment service using authentication information including an OTP according to a preferred embodiment of the present invention;

2 is a diagram illustrating a process of providing a payment service using authentication information including an OTP according to an embodiment of the present invention.

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

102: communication terminal 104: Internet communication network

106: web server 108: payment service server

110: mobile communication service server 112: financial service server

114: mobile communication network 116: short message service server

118: mobile communication terminal

Claims (21)

The first authentication is performed by using the identification information from the communication terminal and the corresponding user information, and a one time password (OTP) is generated according to the corresponding payment and transmitted to the mobile communication terminal associated with the communication terminal. The second authentication is performed by comparing the generated OTP with the OTP included in the payment information, and after the payment is approved in association with a financial service server, the payment is provided to the communication terminal and the mobile terminal. Service device. The method of claim 1, And after the first authentication is performed, the payment service device transmits the authentication result to a web server connected to the communication terminal. The method of claim 2, The payment service device, after performing the first authentication, payment service device, characterized in that for receiving and requesting financial information according to the first authentication from the financial service server. The method according to any one of claims 1 to 3, The payment service device, the payment service device characterized in that for transmitting the generated OTP or the payment approval information in connection with a short message service server to the mobile communication terminal in a short message. The method of claim 4, wherein The identification information is a payment service device, characterized in that the identification number for each user, including a social security number, a mobile communication terminal number, a mobile communication company or given at the time of membership registration. The method of claim 4, wherein The payment information, payment service, credit card company, payment password, and the payment service device characterized in that it comprises the OTP. The method of claim 4, wherein The payment approval information includes a name, a payment approval number, payment approval details, and the mobile communication terminal number. A system that provides a payment service for a specific service or product, A web server for providing a payment screen upon request for payment from a communication terminal and transmitting identification information or payment information transmitted accordingly; The first identification is performed by comparing the transmitted identification information with the user information, the authentication result is transmitted to the web server, and an OTP (One Time Password) corresponding to the payment is generated to perform mobile communication associated with the communication terminal. After transmitting to the terminal, and performing the second authentication by comparing the OTP included in the payment information from the web server and the generated OTP, requesting approval for the payment and sending the payment approval information to the web server and the A payment service server for transmitting to a mobile terminal, A financial service server that performs approval for the payment in association with the payment service server. Payment service system comprising a. The method of claim 8, The payment service system, A mobile communication service server providing the user information corresponding to the identification information for the first authentication in cooperation with the payment service server. Payment service system that includes more. The method of claim 8, The payment service system, The short message service server for generating a short message including the generated OTP or the payment approval information in association with the payment service server and transmitting the generated short message to the mobile communication terminal. Payment service system that includes more. The method according to any one of claims 8 to 10, The web server includes an input item of a social security number and a mobile communication terminal number, a selection item of a mobile communication company, a payment item, or an input item of a user identification number assigned at the time of membership registration. And providing a first payment screen and transmitting the identification information transmitted through the payment service server to the payment service server. The method of claim 11, The web server, after the first authentication, provides a second payment screen including the payment details, a selection item of a credit card company, an input item of a payment password, and an input item of the OTP, and is transmitted through the web server. The payment service system, characterized in that for transmitting the payment information to the payment service server. The method of claim 12, The payment service server requests the financial information server for financial information according to the first authentication, and includes the credit card company, the mobile communication company, the credit card number, the payment password, and the mobile communication terminal number. The payment service system, characterized in that for receiving the financial information. The method of claim 12, The payment approval information includes a name, a payment approval number, payment approval details, and the mobile communication terminal number. A method of providing a payment service for a particular service or product. Transmitting identification information through a first payment screen provided to a communication terminal when a payment request is made; Performing first authentication through user information corresponding to the identification information; Generating one time password (OTP) according to the first authentication and transmitting the generated one time password to the corresponding mobile communication terminal; Transmitting payment information including the OTP through a second payment screen provided to the communication terminal according to the first authentication; Performing second authentication through the payment information and the generated OTP and providing the payment approval information Payment service method comprising a. The method of claim 15, The payment service method may include an input item of a social security number and a mobile communication terminal number, a selection item of a mobile communication company, a payment item, or an input item of a user identification number assigned at the time of membership registration. Providing the first payment screen and transmitting the identification information input corresponding thereto. The method of claim 15, The payment service method comprises performing the first authentication by comparing the identification information, the name, the mobile communication terminal number and the user information including a social security number. The method according to claim 16 or 17, The payment service method, the payment service method characterized in that for transmitting the generated OTP or the payment approval information to the communication terminal in a short message. The method of claim 18, The payment service method, after the first authentication, provides a second payment screen including the payment details, the selected item of the credit card company, the input item of the payment password, and the input item of the OTP, and correspondingly The payment service method, characterized in that for transmitting the input payment information. The method of claim 19, The payment service method, the payment service method characterized in that performing the second authentication by comparing the OTP and the generated OTP included in the payment information. The method of claim 20, The payment service method may provide the payment approval information including the name, the payment approval number, the payment approval information, and the mobile communication terminal number after approval of the requested payment after the second authentication. Payment service method.
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KR20120076590A (en) * 2010-12-06 2012-07-09 에스케이플래닛 주식회사 Method for providing electronic payment by using personal information and subscriber identification module, system, terminal and communication management apparatus therefor
KR20120076593A (en) * 2010-12-06 2012-07-09 에스케이플래닛 주식회사 Method for providing electronic payment, system, terminal and communication management apparatus therefor
KR20120076589A (en) * 2010-12-06 2012-07-09 에스케이플래닛 주식회사 Method for providing electronic payment by using subscriber information and subscriber identification module, system, terminal and communication management apparatus therefor
KR101384846B1 (en) * 2013-03-28 2014-04-15 주식회사 한국사이버결제 Simple payment method using mobile terminal
KR20150146061A (en) 2014-06-20 2015-12-31 주식회사 에버스핀 Voice recognition authentication system and method for providing authentication service using voice recognition
WO2016122035A1 (en) * 2015-01-30 2016-08-04 주식회사 쿠노소프트 Card payment system and payment method for enabling pre-transaction confirmation
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Cited By (7)

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KR20120076590A (en) * 2010-12-06 2012-07-09 에스케이플래닛 주식회사 Method for providing electronic payment by using personal information and subscriber identification module, system, terminal and communication management apparatus therefor
KR20120076593A (en) * 2010-12-06 2012-07-09 에스케이플래닛 주식회사 Method for providing electronic payment, system, terminal and communication management apparatus therefor
KR20120076589A (en) * 2010-12-06 2012-07-09 에스케이플래닛 주식회사 Method for providing electronic payment by using subscriber information and subscriber identification module, system, terminal and communication management apparatus therefor
KR101384846B1 (en) * 2013-03-28 2014-04-15 주식회사 한국사이버결제 Simple payment method using mobile terminal
KR20150146061A (en) 2014-06-20 2015-12-31 주식회사 에버스핀 Voice recognition authentication system and method for providing authentication service using voice recognition
WO2016122035A1 (en) * 2015-01-30 2016-08-04 주식회사 쿠노소프트 Card payment system and payment method for enabling pre-transaction confirmation
KR20160136681A (en) * 2015-05-20 2016-11-30 주식회사 케이에스넷 An incorporated method for a easy payment, a system and a computer-readable storage medium therefor

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