KR20100122973A - Payment processing system and method thereof - Google Patents

Abstract

PURPOSE: A payment processing system and a method thereof are provided to stably perform payment without providing a seller with signature information or password when a buyer performs card payment by using a portable terminal of the seller. CONSTITUTION: A seller portable terminal(100) creates and transfers the payment request information, and receives and outputs the payment approval information corresponding to the payment request information. If the payment request information is transferred, a payment relay server(300) request personal identification information from a buyer portable terminal(200) by using the buyer phone number included in the payment request information. A card company server(400) verifies the personal identification information and transfers the payment approval information to the portable terminal of the seller.

Description

PAYMENT PROCESSING SYSTEM AND METHOD THEREOF}

The present invention relates to a payment processing system and a method thereof, and more particularly, to a payment processing system and method for enabling secure payment without inputting signature information during card payment using a mobile terminal of a seller.

In general, the card payment method is a card user, i.e., a buyer purchases an item at an offline merchant and presents the card to the seller. The document is printed out, signed by the buyer, and given to the buyer.

Thereafter, in order to strengthen the security against card fraud, the card payment terminal has a signature pad and has been developed in such a manner as to request payment approval after receiving the buyer's signature information through the signature pad when paying the card.

On the other hand, since the card payment terminal is fixedly installed in the merchant, the seller is increasingly uncomfortable that the card payment is possible only in the location where the card payment terminal is installed.

Therefore, in recent years, by providing a card reader to the mobile terminal of the seller to enable card payment, the seller can use the mobile terminal for more convenient card payment.

However, since the card payment method using the seller's mobile terminal is not easy to enter the signature information, the personal information of the buyer may be exposed when the password is input for the buyer's identification.

Accordingly, an object of the present invention is to provide a payment processing system and method for enabling secure payment without inputting signature information when using a seller's portable terminal for card payment.

In order to achieve the above object, the present invention, in the payment processing system, generates and sends payment request information including a buyer's phone number and payment information at the time of card payment, and receives payment approval information corresponding to the payment request information. The seller mobile terminal outputs the request, and when the payment request information is transmitted, requests personal identification information to the buyer mobile terminal using the purchaser's phone number included in the payment request information, and receives the personal identification information received when the requested personal identification information is received. A payment relay server for transmitting the payment information to a card company server together with the payment information, and verifying the personal identification information when the personal identification information and the payment information are transmitted, and confirming the payment approval information through the payment relay server when the personal identification information is verified. It characterized in that it comprises a card company server for transmitting to the seller mobile terminal.

In another aspect of the present invention, in the payment processing method of the payment processing system, the seller mobile terminal generates a payment request information including the buyer's phone number and payment information when the card payment is sent to the payment relay server, and the payment relay server Requesting personal identification information to a purchaser's mobile terminal using the purchaser's phone number when receiving the payment request information, and transferring the personal identification information received from the purchaser's portable terminal to the card company server together with the payment information; When the card company server verifies the transmitted personal identification information and the personal identification information is verified, transmitting the payment approval information corresponding to the payment information to the payment relay server; And receiving and outputting from the payment relay server.

In addition, the present invention in the payment processing system, the seller portable terminal for generating and transmitting payment request information including payment information when the card payment, receiving and outputting payment approval information corresponding to the payment request information, and the seller portable A payment relay server that delivers the payment request information received from the terminal to the card company server, and when the payment request information is received from the payment relay server, inquires whether or not to agree to the payment of the buyer's mobile terminal. It characterized in that it comprises the card company server for transmitting the payment approval information to the seller mobile terminal through the payment relay server.

In addition, the present invention in the payment processing method of the payment processing system, the seller mobile terminal generates a payment request information including the payment information when the card payment, and transmits to the payment relay server, the payment relay server the payment payment If the card company server transfers the request information to the card company server, and the card company server receives the payment request information from the payment relay server, the card company server inquires whether or not to agree to the purchaser's mobile terminal. And transmitting to the payment relay server and receiving and outputting payment approval information from the payment relay server.

The present invention has the advantage that the buyer can securely pay without providing the signature information or password to the seller when the card payment using the seller's mobile terminal.

Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings. In addition, detailed descriptions of well-known functions and configurations that may unnecessarily obscure the subject matter of the present invention will be omitted.

1 is a diagram showing the configuration of a payment processing system according to an embodiment of the present invention.

The illustrated payment processing system includes a seller portable terminal 100, a buyer portable terminal 200, a payment relay server 300, and a card company server 400.

The seller mobile terminal 100 generates payment request information including a buyer's phone number and payment information (eg, card information, payment amount, etc.) when paying with a card presented by a buyer after providing goods or services. And transmits the payment approval information generated by the card company server 400 in response to the payment request information through the payment relay server 300. At this time, the buyer's telephone number includes the telephone number of the buyer's mobile terminal.

When the payment request information is received from the seller portable terminal 100, the payment relay server 300 requests personal identification information to the purchaser portable terminal 200 using the purchaser phone number included in the payment request information. The personal identification information may be a password, a personal identification number or a resident registration number registered in advance by the purchaser in the card company server 400.

The payment relay server 300 transmits the received personal identification information to the card company server 400 together with the payment information included in the payment request information when the personal identification information is received from the purchaser's portable terminal 200.

When the card company server 400 receives the personal identification information and the payment information from the payment relay server 300, the card company server 400 compares the personal identification information with previously registered personal identification information.

The card company server 400 generates payment approval information by verifying payment information when the transmitted personal identification information is verified, and transmits the generated payment approval information to the seller mobile terminal 100 through the payment relay server 300. . That is, the card company server 400 compares the transmitted personal identification information and pre-registered personal identification information and generates payment approval information if they match with each other.

Meanwhile, the payment relay server 300 may transfer the payment request information transmitted from the seller portable terminal 100 to the card company server 400 as it is.

In this case, the card company server 400 checks the purchaser's phone number included in the payment request information and transmits a message for inquiring whether or not to agree to the purchaser's portable terminal 200. The message may be either a short message or a multimedia message.

The card company server 400 generates payment approval information and transmits the payment approval information to the seller mobile terminal 100 through the payment relay server 300 when a query result agreeing with the payment is received from the purchaser mobile terminal 200. do.

In addition, the seller mobile terminal 100 may generate payment request information including only payment information and transmit the payment request information to the payment relay server 300 when the card payment is not included. In this case, the payment request information transmitted by the payment relay server 300 to the card company server does not include the buyer phone number.

If the card company server 400 does not include the purchaser's phone number in the payment request information, the card company server 400 checks the card information in the payment information and reads the card user information corresponding to the card information from a database provided in advance. The purchaser's phone number is verified from the user information.

2 is a block diagram of a seller mobile terminal according to an exemplary embodiment of the present invention.

The illustrated mobile terminal 100 is a card reader 110, a key input unit 120, a display unit 130, a controller 140, a memory 150, a wireless transmitter and receiver 160 and the audio processor 170 Include.

The card reader 110 may be attached to or detached from the seller portable terminal 100, and reads card information and transmits the card information to the controller 140. The card reader 110 may read card information from various types of credit cards such as a magnetic card or an electronic card, and since such technology is well known, a detailed description thereof will be omitted.

The key input unit 120 has a key matrix structure (not shown), and may include a character key, a numeric key, various function keys, and an external volume key, and control the key input signal corresponding to a key input by a user. )

The display unit 130 may be formed of a liquid crystal display (LCD) or the like, and outputs various display data generated by the seller portable terminal 100. In this case, when the LCD is implemented using a touch screen method, the display unit 130 may operate as an input unit.

The controller 140 (eg, the MSM) controls the overall operation of the seller portable terminal 100 according to the embodiment of the present invention.

The controller 140 reads the card information through the card reader 110 during card payment, and generates payment request information including payment information when the payment amount and the installment month are input to the key input unit 120. It transmits to the payment relay server 300 through the transceiver 160.

      At this time, the control unit 140 may include the purchaser's phone number in the payment request information and transmit it to the payment relay server 300. In this case, the control unit 140 preferably controls the display unit 130 to output a message requesting the purchaser's telephone number input.

      The controller 140 directly receives the buyer's telephone number from the buyer or the seller through the key input unit 120 or, if the local wireless communication unit (not shown) is provided, obtains the buyer's telephone number from the buyer's mobile terminal 200 through the local area communication. Wireless reception may also be possible.

The control unit 140 outputs the received payment approval information to the display unit 130 when payment approval information corresponding to the payment request information is received at the wireless transmission / reception unit 160, or when a receipt output unit (not shown) is provided. You can print out the approval information.

The memory 150 may include a program memory and a data memory, and store various pieces of information selected based on user information and various information necessary for controlling the operation of the seller portable terminal 100 according to an embodiment of the present invention. do.

The wireless transmitter / receiver 160 is responsible for the transmission and reception of voice data, text data, image data, and control data under the control of the controller 140, and an RF transmitter (not shown) which upconverts and amplifies the frequency of the transmitted signal. And an RF receiver (not shown) for low noise amplifying the received signal and converting the frequency down.

The audio processor 170 modulates the electrical signal input from the microphone and converts the electrical signal into voice data. The audio processor 170 demodulates the encoded voice data input from the wireless transmitter / receiver 160 into an electrical signal and outputs it to the speaker. . In addition, the audio processor 170 may include a codec for converting and reproducing a digital audio signal received by the wireless transmitter / receiver 160 into an analog signal or converting an analog audio signal generated from a microphone into a digital audio signal. desirable. The codec may include a data codec for processing packet data and an audio codec for processing an audio signal such as voice, and may be included in the controller 140.

3 is a block diagram of a purchaser portable terminal according to an exemplary embodiment of the present invention.

The illustrated buyer portable terminal 200 includes a key input unit 210, a display unit 220, a controller 230, a memory 240, a wireless transmitter / receiver 250, and an audio processor 260.

In FIG. 3, since the basic functions of the key input unit 210, the display unit 220, the memory 240, the wireless transmitter / receiver 250, and the audio processor 260 are similar to those of FIG. 2, description thereof will be omitted. .

The controller 230 (eg, the MSM) outputs a message for requesting personal identification information from the payment relay server 300 or the card company server 400 to the display unit 220 when a message is received by the wireless transmitter / receiver 250.

When the personal identification information is input through the key input unit 210, the controller 230 transmits the input personal identification information to the payment relay server 300 or the card company server 400 through the wireless transmitter / receiver 250.

At this time, the controller 230 transmits the requested personal identification information in the form of a short message or a multimedia message, or accesses the corresponding web site when the URL (Uniform Resource Locator) information is included in the message for requesting the personal identification information. It may be controlled to transmit the personal identification information input by the buyer.

In another embodiment, the control unit 230 requests the purchaser confirmation by displaying the received message on the display unit 220 when receiving a message for inquiring only the payment agreement, not the personal identification information request from the card company server 400.

The controller 230 transmits an inquiry result indicating a payment agreement to the card company server 400 in the form of a message when the purchaser confirms (eg, inputs a confirmation key). Of course, if the query message includes the URL information, the controller 230 may control to access the corresponding web site and transmit the query result indicating the settlement agreement.

4 is a block diagram of a payment relay server according to an embodiment of the present invention.

The illustrated payment relay server 300 may be implemented as a value-added communication network server and includes a wireless unit 310, a server controller 320, a memory 330, and a dedicated line connection unit 340.

The wireless unit 310 is responsible for transmitting and receiving voice data, text data, video data, and control data under the control of the server controller 320.

The wireless unit 310 receives the payment request information from the seller mobile terminal 100 and transmits the payment request information to the server controller 320. When the payment approval information is received through the dedicated line connection unit 340, the wireless controller 310 controls the server controller 320. The payment approval information is transmitted to the seller portable terminal 100. The payment request information may include a buyer's phone number, that is, a buyer's mobile terminal 200 phone number.

The wireless unit 310 requests the personal identification information to the purchaser portable terminal 200 under the control of the server controller 320, and transfers the personal identification information to the server controller 320 when the personal identification information is received from the purchaser portable terminal 200. do.

The server controller 320 controls the overall operation of the payment relay server 300 according to an embodiment of the present invention. If the purchaser's phone number is included in the payment request information transmitted from the seller's mobile terminal 100, the server controller 320 checks the buyer's phone number and controls the request to the corresponding buyer's mobile terminal 200 to request personal identification information. .

In addition, when the personal identification information is received from the purchaser portable terminal 200, the server controller 320 transfers the payment information included in the payment request information and the received personal identification information to the card company server 400 through the dedicated line connection unit 340. To pass.

Meanwhile, as another embodiment, the server controller 320 may transfer the payment request information received from the buyer portable terminal 200 to the card company server 400 through the dedicated line connection unit 340 as it is.

The memory 330 stores various information necessary for controlling the operation of the payment relay server 300 according to an embodiment of the present invention.

The dedicated line connection unit 340 is connected to the card company server 400 through a dedicated line to exchange various information.

5 is a block diagram of a card company server according to an embodiment of the present invention.

The illustrated card company server 400 includes a wireless unit 410, a server controller 420, a memory 430, a database 440, and a dedicated line connection unit 450.

The wireless unit 410 is responsible for transmitting and receiving voice data, text data, video data, and control data under the control of the server controller 420.

The server controller 420 controls the overall operation of the card company server 400 according to an embodiment of the present invention. When the payment information and the personal identification information are transmitted from the payment relay server 300 through the dedicated line connection unit 450, the server controller 420 compares the personal identification information with the personal identification information previously registered in the database 440. .

When the transmitted personal identification information is verified, the server controller 420 checks the payment information, generates payment approval information, and transmits the generated payment approval information to the payment relay server 300 through the dedicated line connection unit 450. At this time, the server controller 420 compares the transmitted personal identification information and pre-registered personal identification information, it is preferable to generate payment approval information if they match each other.

Meanwhile, in another embodiment, when the payment request information is transmitted through the dedicated line connection unit 450, the server controller 420 may check whether the purchaser phone number is included in the payment request information.

If the payment request information includes the purchaser's phone number, the server controller 420 requests a message or personal identification information to be sent to the purchaser's mobile terminal 200 of the corresponding phone number through the wireless unit 410. Send a message that says In this case, the message may be either a short message or a multimedia message.

In addition, the server controller 420 checks card information in the payment information included in the payment request information if the purchaser phone number is not included in the payment request information, and stores the card user information corresponding to the card information in the database 440. It may also read and confirm the buyer's telephone number from the read card user information.

In this case, the server controller 420 transmits a message for inquiring whether to accept payment or a message for transmitting personal identification information to the purchaser's portable terminal 200 using the confirmed purchaser's phone number.

The server controller 420 determines that the buyer has agreed to the payment and generates payment approval information for the payment request information when the inquiry result indicating the payment agreement is received from the buyer portable terminal 200 at the wireless unit 410. Payment approval information is transmitted to the payment relay server 300 through the dedicated line connection unit 450.

Meanwhile, the server controller 420 verifies the received personal identification information when the personal identification information transmitted by the purchaser portable terminal 200 is received by the wireless unit 410, and the payment approval information when the personal identification information is verified. To generate it and transmit it to the payment relay server 300 through the dedicated line connection unit 450.

The memory 430 stores various information necessary for controlling the operation of the card company server 400 according to an exemplary embodiment of the present invention.

The database 440 stores card user information corresponding to card information, and the card user information preferably includes a phone number of a card user, that is, a buyer phone number.

The dedicated line connection unit 450 connects to the payment relay server 300 through a dedicated line to exchange various types of information, and transfers the exchanged information to the server control unit 420. The controller 150 requests the camera mode according to the user's camera mode request. In operation S110, a preview mode of previewing an image of a subject to be photographed is performed. The user may request a camera mode by inputting a menu key or a camera power key used to enter the camera mode.

6 is a flowchart illustrating a payment processing procedure of a payment processing system according to an embodiment of the present invention.

1 and 6, the seller portable terminal 100 checks whether there is a card payment request (S610). The seller portable terminal 100 may determine that there is a card payment request when a separately provided payment key is input or the card is swiped.

The seller portable terminal 100 generates payment request information including a buyer's phone number and payment information when a card payment request is made (S615). The payment information preferably includes swiped card information and seller information, payment amount, lump sum payment and installment month number.

Meanwhile, the seller mobile terminal 100 may output a message requesting input of the buyer's phone number in text or voice to include the buyer's phone number in the payment request information, and directly receive the buyer's phone number or through the local area communication. Wireless reception may be performed from the mobile terminal 200.

The seller portable terminal 100 transmits the generated payment request information, that is, payment request information including a buyer's phone number and payment information to the payment relay server 300 (S620).

The payment relay server 300 checks the purchaser's phone number included in the payment request information when the payment request information is received from the seller portable terminal 100 (S625).

The payment relay server 300 requests personal identification information to the corresponding purchaser's portable terminal 200 using the confirmed purchaser's phone number (S630). In this case, the payment relay server 300 may be requested through a short message or a multimedia message when the personal identification information is requested, and the personal identification information may be a password or a social security number registered in advance by the purchaser in the card company server 400. have.

When the purchaser portable terminal 200 receives a message for requesting personal identification information from the payment relay server 300, the buyer portable terminal 200 displays a screen as shown in FIG. 8 (a) and is input by the purchaser, that is, the user of the purchaser portable terminal 200. The personal identification information is transmitted to the payment relay server 300.

At this time, the purchaser's portable terminal 200 transmits the requested personal identification information in the form of a short message or a multimedia message, or if the personal identification information request message includes URL information, accesses the corresponding web site via wireless Internet. After displaying the screen as shown in a), the buyer may transmit the personal identification information entered by the buyer.

The payment relay server 300 transmits the received personal identification information to the card company server 400 together with the payment information when the personal identification information requested by the purchaser portable terminal 200 is received in a message form or received through the wireless Internet ( S640).

The card company server 400 verifies the transferred personal identification information when the payment information and the personal identification information are transferred (S645). That is, the card company server 400 compares the transmitted personal identification information and pre-registered personal identification information to check whether they match each other.

The card company server 400 checks whether the verification of the personal identification information is completed (S650).

The card company server 400 generates payment approval information when the verification of the transmitted personal identification information is completed and transmits the generated payment approval information to the payment relay server 300 (S655). That is, the card company server 400 compares the transmitted personal identification information and pre-registered personal identification information and generates payment approval information if they match with each other.

On the other hand, the card company server 400 generates a payment disapproval message if the transmitted personal identification information and pre-registered personal identification information does not match with each other and transmits it to the seller mobile terminal 100 through the payment relay server 300. Or it may be transmitted to the purchaser portable terminal 200.

The payment relay server 300 transmits the payment approval information from the card company server 400 to the seller portable terminal 100 (S660).

The seller portable terminal 100 outputs the payment approval information when the payment approval information is transmitted from the payment relay server 300 (S665). In this case, the seller portable terminal 100 may print and output payment approval information.

7 is a flowchart illustrating a payment processing procedure of a payment processing system according to another embodiment of the present invention.

1 and 7, the seller portable terminal 100 checks whether there is a card payment request (S710). The seller portable terminal 100 checks whether a separately provided payment key is input or the card is swiped.

The seller portable terminal 100 generates payment request information including a buyer's phone number and payment information when a card payment request is made (S715). In this case, the seller portable terminal 100 may include a buyer's telephone number when generating the payment request information.

In this case, the seller portable terminal 100 may output a message requesting the purchaser's telephone number in text or voice, and may directly receive the purchaser's telephone number or receive it from the buyer's portable terminal 200 through local area communication. .

The seller portable terminal 100 transmits the generated payment request information to the payment relay server 300 (S720). Here, the payment request information may or may not include a buyer's telephone number as described above.

When the payment request information is received from the seller portable terminal 100, the payment relay server 300 transmits the received payment request information to the card company server 400 (S725).

The card company server 400 checks whether the purchase request phone number is included in the payment request information when the payment request information is transmitted from the payment relay server 300 (S730).

If the card company server 400 does not include the purchaser's phone number in the payment request information, the card company checks the card information in the payment information included in the payment request information, and the card from the card user information previously stored in the card company server 400. The purchaser's telephone number may be confirmed from the card user information corresponding to the information.

When the buyer's phone number is confirmed, the card company server 400 transmits a message to the corresponding purchaser's portable terminal 200 inquiring whether to accept the payment as shown in FIG. 8B (S735). At this time, the card company server may transmit a message requesting personal identification information as shown in FIG.

When the purchaser's portable terminal 200 receives a message asking whether to accept payment or a message for requesting personal identification information, the buyer portable terminal 200 transmits a message including a payment agreement message or personal identification information to the card company server 400 (S740). At this time, when the purchaser's mobile terminal 200 includes URL information in a message asking whether to accept the payment or requesting personal identification information, the buyer mobile terminal 200 accesses the corresponding web site and transmits the payment consent information or the personal identification information entered by the buyer. It may be.

The card company server 400 determines that the buyer has agreed to the payment when the purchaser mobile terminal 200 has agreed to the payment, and generates payment approval information for the payment request information to the payment relay server 300. It transmits (S745). On the other hand, when the card company server 400 receives the personal identification information from the purchaser portable terminal 200, it is preferable to generate the payment approval information after verifying the received personal identification information.

The payment relay server 300 transmits the payment approval information from the card company server 400 to the seller portable terminal 100 (S750).

The seller portable terminal 100 outputs the payment approval information when the payment approval information is transmitted from the payment relay server 300 (S755). In this case, the seller portable terminal 100 may print and output payment approval information.

While the present invention has been described in connection with what is presently considered to be practical exemplary embodiments, it is to be understood that the invention is not limited to the disclosed embodiments. Therefore, the scope of the present invention should not be limited by the described embodiments but should be determined by the equivalents of the claims and the claims.

1 is a diagram showing the configuration of a payment processing system according to an embodiment of the present invention.

2 is a block diagram of a seller mobile terminal according to an embodiment of the present invention;

Figure 3 is a block diagram of a buyer portable terminal according to an embodiment of the present invention.

Figure 4 is a block diagram of a payment relay server according to an embodiment of the present invention.

5 is a block diagram of a card company server according to an embodiment of the present invention.

6 is a flowchart illustrating a payment processing procedure of a payment processing system according to an embodiment of the present invention.

7 is a flowchart illustrating a payment processing procedure of a payment processing system according to another embodiment of the present invention.

8 (a) and 8 (b) are exemplary views for explaining an operation process of a purchaser portable terminal according to an exemplary embodiment of the present invention.

Claims (20)

In the payment processing system, A seller mobile terminal which generates and transmits payment request information including a purchaser's phone number and payment information, and receives and outputs payment approval information corresponding to the payment request information; When the payment request information is transmitted, the personal identification information is requested to the purchaser's mobile terminal using the purchaser's telephone number included in the payment request information. When the requested personal identification information is received, the received personal identification information is received along with the payment information. Payment relay server to deliver to the server, And the card company server for verifying the personal identification information when the personal identification information and the payment information are transmitted, and transmitting the payment approval information to the seller mobile terminal through the payment relay server when the personal identification information is verified. The method of claim 1, wherein the payment relay server The payment processing system, characterized in that the request via the short message or a multimedia message when requesting the personal identification information to the buyer portable terminal. The method of claim 1, wherein the payment relay server The payment processing system, characterized in that for receiving the personal identification information from the portable terminal via the wireless Internet. In the payment processing method of the payment processing system, The seller mobile terminal generates a payment request information including the buyer's phone number and payment information when the card payment is sent to the payment relay server, When the payment relay server receives the payment request information, the payment requester requests personal identification information to the purchaser's mobile terminal using the purchaser's phone number, and transmits the personal identification information received from the purchaser's portable terminal to the card company server together with the payment information. Process, The card company server verifying the transmitted personal identification information, and when the personal identification information is verified, transmitting payment approval information corresponding to the payment information to the payment relay server; And a process for the seller portable terminal to receive and output payment approval information from the payment relay server. The method of claim 4, wherein the delivery process is Requesting personal identification information to a purchaser's mobile terminal using the purchaser's phone number when receiving the payment request information; Receiving the personal identification information from the purchaser's portable terminal via wireless Internet; And transmitting the received personal identification information along with the payment information to a card company server. The method of claim 5, wherein the requesting step A payment processing method of a payment processing system, characterized by requesting personal identification information through a short message or a multimedia message. In the payment processing system, A seller mobile terminal which generates and transmits payment request information including payment information during card payment, and receives and outputs payment approval information corresponding to the payment request information; A payment relay server for transmitting the payment request information received from the seller mobile terminal to a card company server; When the payment request information is received from the payment relay server, the card company inquires whether the payment is agreed to the purchaser's mobile terminal, and transmits payment approval information to the seller's mobile terminal through the payment relay server when the payment is agreed. Payment processing system comprising a server. The method of claim 7, wherein the card company server And reading the card user information stored in the database of the card server using the card information included in the payment request information, and confirming the purchaser's telephone number from the read card user information. The method of claim 7, wherein the seller mobile terminal The payment processing system, characterized in that sent to the payment relay server including the purchaser phone number in the payment request information. The method of claim 9, wherein the card company server Checking the buyer's phone number of the payment request information received from the payment relay server, the payment processing system, characterized in that for transmitting the message to the buyer's mobile terminal inquiring whether the payment consent. The method of claim 10, The message for inquiring whether the payment consent is a payment processing system, characterized in that the message for requesting the transmission of personal identification information. The method of claim 7, wherein the card company server The payment processing system, characterized in that for receiving the result of the inquiry over the wireless Internet. The method of claim 11, wherein the card company server And upon receipt of the personal identification information from the purchaser's portable terminal, verifying the personal identification information and transmitting the payment approval information to the seller's portable terminal through the payment relay server. In the payment processing method of the payment processing system, The seller mobile terminal generates payment request information including payment information and transmits the payment information to the payment relay server; Transmitting, by the payment relay server, the payment request information to a card company server; The card company server inquiring whether the payment request information is transmitted from the payment relay server to the corresponding purchaser's portable terminal, and transmitting payment approval information to the payment relay server if the purchaser's mobile terminal has a payment agreement; And a process for the seller portable terminal to receive and output payment approval information from the payment relay server. The process of claim 14, wherein the card company server transmits payment approval information to the payment relay server. Reading card user information stored in a database of the card server using the card information included in the payment request information when the payment request information is transmitted from the payment relay server; And confirming the purchaser's telephone number from the read card user information. The process of claim 14, wherein the seller mobile terminal transmits the payment request information to a payment relay server. The payment processing method of the payment processing system, characterized in that sent to the payment relay server including the buyer phone number in the payment request information. The process of claim 16, wherein the card company server transmits payment approval information to the payment relay server. Confirming the purchaser's phone number of the payment request information transmitted from the payment relay server, and transmitting a message inquiring whether to agree to the purchaser's mobile terminal; And transmitting payment approval information to the payment relay server when an inquiry result indicating payment agreement is received from the purchaser's portable terminal. The method of claim 17, The message for inquiring whether or not the payment consent is a payment processing method of the payment processing system, characterized in that the message for requesting the transmission of personal identification information. The method of claim 17, The payment processing method of the payment processing system, characterized in that for receiving the result of the inquiry over the wireless Internet. 19. The method of claim 18, wherein transmitting the payment approval information to the payment relay server Verifying the personal identification information when receiving the personal identification information from the buyer portable terminal; And transmitting the payment approval information to the seller mobile terminal through the payment relay server when the personal identification information is verified.

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