KR20110070618A - Method and system for providing electronic settlement service using terminal - Google Patents

Abstract

Disclosed is a method and system for providing an electronic payment service using a user terminal. A method of providing an electronic payment service using a user terminal may include: generating a payment request message including payment information from a merchant terminal and transmitting the payment request message to a carrier billing support server; Generating and transmitting to the user terminal, transmitting a payment approval request message including a predetermined personal identification number and a payment method at the user terminal to a carrier payment support server, and corresponding to the payment approval request message at the carrier payment support server. Receiving a payment approval response message requesting the payment approval to the financial company server corresponding to the payment means, and transmitting the payment approval response message to the merchant terminal and the user terminal, respectively, from the carrier payment support server.

Description

Method and system for providing electronic payment service using user terminal {Method and system for providing electronic settlement service using terminal}

The present invention relates to an electronic payment service, and more particularly, to a method and a system capable of enabling financial payment online or / and offline using a user's user terminal.

Today, buyers can use their credit cards to process payments at online or offline merchants. For example, for payment at an online merchant, a purchaser may access a card company server using a computer terminal connected to the Internet, and process a desired payment amount through the card company server. In addition, for payment at an affiliated store, the purchaser may request the authentication and approval of the card company server using a card terminal capable of card payment to process a corresponding payment amount. However, the purchaser must have a computer terminal accessible to the Internet for online payment or carry a credit card for offline payment.

In addition, in recent years, various additional functions have been added to the mobile terminal in addition to the basic call setting function. Among the representative additional functions of such a mobile terminal, there are auxiliary functions for payment, such as a function of authenticating means for payment of a credit card, as well as a payment function of adding up a payment amount to a mobile carrier fee. However, there is a problem in that it is not possible to process direct payment using a credit card only with a mobile terminal.

The present invention is to provide a method and system that can enable electronic payment using the user terminal only when the user terminal is connected to the company's communication network.

In addition, the present invention is to provide a method and system that can reduce the payment amount error in the merchant terminal.

In addition, the present invention is to provide a method and system that can prevent the unpaid amount to be paid to the merchant due to the error of the phase.

In addition, the present invention is to provide a method and system that can reduce the communication fee due to the financial settlement by minimizing the communication connection to the financial company server for the financial settlement.

According to an aspect of the present invention, an electronic payment service providing method using a user terminal is provided.

According to an embodiment of the present invention, (a) generating a payment request message including payment information from an affiliated store terminal and transmitting it to a carrier payment support server-the payment information includes payment details and payment amount information; (b) generating a payment confirmation message including the payment amount information in the carrier payment support server and transmitting the generated payment confirmation message to the user terminal; (c) transmitting, at the user terminal, a payment approval request message including a predetermined personal identification number and a payment means to the carrier payment support server; (d) receiving a payment approval response message for requesting payment approval from a financial institution server corresponding to the payment method in response to the payment approval request message at the carrier payment support server; And (e) transmitting the payment approval response message to the affiliated store terminal and the user terminal, respectively, in the service provider payment support server.

According to another aspect of the present invention, an apparatus for providing an electronic payment service using a user terminal is provided.

According to an embodiment of the present invention, a service provider payment support server connected to an affiliated store terminal and a user terminal through a communication network to provide an electronic payment service to the user terminal, the session setting request of the user terminal through the communication system An information obtaining unit obtaining and storing IP and terminal information allocated to the user terminal; A data transmission / reception unit configured to receive a payment request message including payment information and terminal information of the user terminal from the affiliated store terminal; An authenticator configured to compare the stored terminal information with terminal information included in the payment request message and perform authentication on the user terminal; And generating a payment confirmation message including the payment information when the authentication is successful and transmitting the generated payment confirmation message to the user terminal. A service provider payment support server including a service control unit for obtaining a payment approval by requesting a payment approval from a financial company server may be provided.

According to another embodiment of the present invention, a user terminal connected to a carrier payment support server through a communication network to receive an electronic payment service, the user terminal comprising: an input unit for receiving an execution command for an electronic payment application; A session setting unit configured to receive an IP through the communication network according to the execution command and to access the carrier payment support server using the allocated IP; A communication unit configured to receive payment amount information from the carrier payment support server in response to the access to the carrier payment support server; And a control unit controlling to transmit a payment approval request including a payment means and predetermined personal identification information through the communication unit in response to the reception of the payment amount information.

By providing an electronic payment service providing method and system using the user terminal according to the present invention, it is possible to enable electronic payment using the user terminal only when the user terminal is connected to the company communication network.

In addition, the present invention can reduce the payment amount error in the merchant terminal.

In addition, the present invention can prevent the amount to be paid to the merchant due to the phase-in error is not paid.

In addition, the present invention can reduce the communication fee due to the financial settlement by minimizing the communication connection to the financial company server for the financial settlement.

As the invention allows for various changes and numerous embodiments, particular embodiments will be illustrated in the drawings and described in detail in the written description. However, this is not intended to limit the present invention to specific embodiments, it should be understood to include all transformations, equivalents, and substitutes included in the spirit and scope of the present invention. In the following description of the present invention, if it is determined that the detailed description of the related known technology may obscure the gist of the present invention, the detailed description thereof will be omitted.

The terms first, second, etc. may be used to describe various components, but the components should not be limited by the terms. The terms are used only for the purpose of distinguishing one component from another.

The terminology used herein is for the purpose of describing particular example embodiments only and is not intended to be limiting of the present invention. Singular expressions include plural expressions unless the context clearly indicates otherwise. In this application, the terms "comprise" or "have" are intended to indicate that there is a feature, number, step, operation, component, part, or combination thereof described in the specification, and one or more other features. It is to be understood that the present invention does not exclude the possibility of the presence or the addition of numbers, steps, operations, components, components, or a combination thereof.

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

[Description of Fig. 1]

1 is a block diagram schematically illustrating a system configuration for an electronic payment service according to an embodiment of the present invention.

1, a system for providing an electronic payment service according to an embodiment of the present invention includes a user terminal 110, an affiliated store terminal 120, a carrier billing support server 130, a call setup device 140, and a financial company server. And 150.

The user terminal 110 is a device capable of receiving various services provided by a carrier company through a communication network (for example, WCDMA, WIBRO, WI-FI, etc.). For example, the user terminal 110 may include a plurality of communication modems for connecting to heterogeneous communication networks.

In addition, the user terminal 110 may be a terminal in which an application for using an electronic payment service (for example, electronic wallet, VM, mobile banking, etc.) is installed through a communication network. Hereinafter, in the present specification, for the convenience of understanding and explanation, an application installed in a user terminal for an electronic payment service will be described collectively as an electronic payment application.

As such, when a command for executing the electronic payment application is input by the user in a state in which the electronic payment application is installed, the user terminal 110 executes the electronic payment application, and correspondingly, the call setting device 140 through the communication network. To obtain an IP address by requesting an IP address. Subsequently, the user terminal 110 may be provided with an electronic payment service by accessing the carrier payment support server 130 using the assigned IP.

Hereinafter, the user terminal 110 is provided with the electronic payment service through the carrier payment support server 130 will be described in more detail with reference to the accompanying drawings.

The affiliated store terminal 120 is a terminal installed in an online or / and offline affiliated service provider, and generates payment information according to a product purchase of the user terminal 110 and transmits the generated payment information to the carrier payment support server 130. Here, the payment information may include product information purchased by the user terminal 110 and price information about the product.

In the present embodiment, the affiliated store terminal 120 will be described assuming that a fixed IP is assigned. Of course, according to the implementation method, the affiliated store terminal 120 may also be allocated to the floating IP by accessing the call setting device 140 according to the floating IP allocation method.

The carrier billing support server 130 is connected to the user terminal 110 and the merchant terminal 120 through a communication network, respectively, is located in the middle between the financial company server 150 and the user terminal 110 and the merchant terminal 120, In response to the user terminal 110 performs a function of controlling the service to enable electronic payment.

The call setup device 140 allocates a floating IP according to the IP allocation request of the user terminal 110 and maps the floating IP allocated to the corresponding user terminal 110 and terminal information on the corresponding user terminal 110, respectively. Save it. Here, the terminal information may be, for example, a telephone number, a MIN number, and the like as identification information for identifying the corresponding user terminal 110.

In addition, the call setup device 140 may transmit the floating IP and the terminal information allocated to the user terminal 110 to the carrier billing support server 130. Here, the call setup device 140 may allocate the IP corresponding to the IP allocation request of the user terminal 110 and then transmit the allocated IP and terminal information to the carrier billing support server 130. For another example, the call setup device 140 may transmit IP and terminal information assigned to the user terminal 110 to the carrier payment support server 130 in response to a request of the carrier payment support server 130.

In the present embodiment, a device for allocating IP to the user terminal 110 regardless of the type of communication network is collectively described as a call setting device 140, but the call setting device 140 is a user terminal 110 in a mobile communication network. It may be a GGSN, PGSN, etc. to assign an IP to.

Since a method for allocating an IP in the GGSN or the PGSN according to the IP allocation request of the user terminal 110 is obvious to those skilled in the art, a detailed description thereof will be omitted.

The financial company server 150 may approve the payment in response to the payment approval request from the user terminal 110 through the carrier payment support server 130, and transmit the approval result to the carrier payment support server 130.

[Description of Fig. 2]

2 is a block diagram schematically showing the internal configuration of a carrier billing support server according to an embodiment of the present invention.

2, the carrier billing support server 130 according to an embodiment of the present invention is a data transmission and reception unit 210, information acquisition unit 220, authentication unit 230, storage unit 240 and service control unit ( 250).

The data transceiver 210 is connected to the user terminal 110, the merchant terminal 120, or the financial company server 150 through a communication network to perform a function of transmitting and receiving data.

For example, the data transceiver 210 may receive a payment request message including the terminal information and the payment information of the user terminal 110 from the affiliated store terminal 120 and output the received request message to the service controller 250.

In addition, the data transceiver 210 may transmit a payment approval message to the user terminal 110 and the affiliated store terminal 120 under the control of the service controller 250.

The information obtaining unit 220 obtains the IP and the terminal information allocated to the user terminal 110 through a communication network in response to the access request of the user terminal 110 and stores it in the storage unit 240.

In more detail, the information acquisition unit 220 accesses the call setting device 140 preset according to the type of communication network to which the user terminal 110 is connected, and the terminal information of the corresponding user terminal 110 and the user terminal 110. Can be obtained by requesting the IP assigned to. Here, the call setup device 140 may be GGSN, PGSN, or the like as described above.

The authentication unit 230 includes terminal information included in the access request from the user terminal 110 through the data transmitting and receiving unit 210 and terminal information on the user terminal 110 obtained through the IP and the information obtaining unit 220. And the IP is compared to authenticate the user terminal 110.

Storage unit 240 is an algorithm for operating the carrier billing support server 130 according to an embodiment of the present invention, the terminal information and IP for the user terminal 110 obtained through the information acquisition unit 220, payment, Stores connection information and the like for connection to a financial institution server for each means.

In addition, the storage 240 may map and store payment details of payment transactions corresponding to the user terminal 110 under the control of the service controller 250, to the terminal information.

The service control unit 250 is an internal component (data transmission and reception unit 210, information acquisition unit 220, authentication unit 230, storage unit 240) of another carrier billing support server 130 according to an embodiment of the present invention Function to control)).

In addition, the service control unit 250, if the authentication is successful for the user terminal 110 as a result of the authentication unit 230, the payment request including payment information from the merchant terminal 120 through the data transmission and reception unit 210. When the message is received, a payment confirmation message including payment information may be generated and controlled to be transmitted to the user terminal 110. Here, the payment information may include payment details and payment amount information. The payment details include details of one or more goods (articles) purchased by the user terminal 110.

Accordingly, in more detail, the service controller 250 may extract payment amount information from the payment information and transmit a payment confirmation message including the payment amount information to the user terminal 110.

In addition, the payment request message may further include terminal information for the user terminal 110. Accordingly, the service controller 250 may check whether the user terminal 110 is successfully authenticated using the terminal information.

Of course, in some cases, the payment request message may further include identification information for the affiliated store terminal 120. In this case, the service controller 250 may further include identification information about the affiliated store terminal 120 in the payment confirmation message and transmit the identification information to the user terminal 110.

In addition, when the service control unit 250 receives a payment approval request message including a personal identification number (PIN) and a payment method from the user terminal 110 in response to the payment confirmation message, the financial company corresponding to the payment method. The payment information may be requested to the financial institution server 150 using the access information to the server.

In addition, the service controller 250 may receive a payment approval response from the financial institution server 150 in response to the payment approval. Accordingly, the service controller 250 may transmit the payment approval to the user terminal 110 and the affiliated store terminal 120, respectively.

For another example, in response to the payment confirmation message of the service controller 250, the user terminal 110 may directly request the financial institution server 150 for payment approval including the personal identification number using preset access information.

In this case, the financial institution server 150 may transmit a payment approval response to the user terminal 110 and the carrier payment support server 130, respectively. Subsequently, the carrier payment support server 130 may transmit a payment approval to the corresponding merchant terminal 120.

[Description of Fig. 3]

3 is a block diagram schematically illustrating an internal configuration of a user terminal according to an exemplary embodiment of the present invention.

Referring to FIG. 3, the user terminal 110 according to an exemplary embodiment of the present invention includes a communication unit 310, a session setting unit 315, an input unit 320, a display unit 325, a storage unit 330, and a control unit ( 335).

The communication unit 310 performs a function of transmitting / receiving data with a carrier payment support server (?) Through a mobile communication network or a wireless communication network under the control of the control unit 335.

Here, the communication unit 310 may transmit and receive data with the carrier billing support server (?) Through any one of the WCDMA, WIBRO, Wi-Fi communication network.

The session setup unit 315 requests IP allocation to the call setup device 140 through the communication network according to the execution of the electronic payment application installed in the user terminal 110 to receive the IP assignment. Subsequently, the session setting unit 315 sets up a session according to a communication connection with the carrier billing support server 130 through the communication network using the assigned IP.

As such, the user terminal 110 may be provided with an electronic payment service in a state in which a session is established with the carrier payment support server 130 by the session setting unit 315.

The input unit 320 is a means for receiving a command for controlling the user terminal 110 from the user. For example, the input unit 320 may include a plurality of key buttons (eg, one or more numeric key buttons, special symbol key buttons, and the like). In some embodiments, the input unit 320 may be implemented as an input means based on a touch screen or voice recognition.

The display unit 325 displays and outputs information processed by the user terminal 110.

For example, when the user terminal is in a call mode, a user interface (UI) or a graphic user interface (GUI) related to a call is displayed. When the user terminal 110 is in a video call mode or a photographing mode, it displays a photographed and / or received image, a UI, or a GUI.

The display unit 325 may be a liquid crystal display, a thin film transistor-liquid crystal display, an organic light-emitting diode, a flexible display, or a three-dimensional display. It may include at least one of (3D display).

The storage unit 330 stores an algorithm required for operating the user terminal 110, a personal identification number assigned to the electronic payment service, and the like.

In addition, the storage unit 330 stores one or more payment means available to the user terminal 110.

The controller 335 is an internal component of the user terminal 110 according to an embodiment of the present invention (for example, the communication unit 310, the session setting unit 315, the input unit 320, the display unit 325, The storage unit 330 controls.

In addition, the controller 335 stores the payment confirmation message including payment amount information from the carrier payment support server 130 in a state in which the session setting unit 315 establishes a session with the carrier payment support server 130. One or more payment means are extracted and controlled to be output through the display unit 325. Then, when any one of the payment means displayed through the input unit 320 is selected, the controller 335 generates a payment approval request message including the selected payment method and a personal identification number and transmits it to the carrier payment support server 130. Can be controlled.

In addition, when a payment history inquiry request command is input from the user through the input unit 320, the controller 335 generates a payment history inquiry message and transmits it to the carrier billing support server 130 to obtain payment details and to display the display unit 325. ) Can be controlled to output.

[Description of Fig. 4]

4 is a flowchart illustrating a method of receiving an electronic payment service in a user terminal according to an embodiment of the present invention. Each step described below is performed by each internal component of the user terminal 110, but will be collectively described as a user terminal for convenience of understanding and description.

In operation 410, the user terminal 110 determines whether the electronic payment application installed in the user terminal 110 is executed.

For example, when the electronic payment application execution command is input through the input unit 320, the user terminal 110 may execute the electronic payment application. Accordingly, the user terminal 110 may determine whether to execute the electronic payment application according to whether the corresponding electronic payment application execution command is input.

If the electronic payment application has not been executed, the user terminal waits at step 410.

However, if the electronic payment application is executed, in step 415 the user terminal 110 is assigned by requesting the IP allocation corresponding to the user terminal 110 through the communication network.

In operation 420, the user terminal 110 establishes a session with the carrier billing support server 130 using the assigned IP.

Since this is obvious to those skilled in the art, a separate description thereof will be omitted.

In operation 425, the user terminal 110 receives a payment confirmation message including payment amount information from the carrier payment support server 130.

Subsequently, the user terminal 110 may extract and display payment amount information included in the payment confirmation message.

In operation 430, the user terminal 110 extracts and displays one or more stored payment means according to the payment confirmation message.

In operation 435, the user terminal 110 receives one of the displayed payment means.

Subsequently, in step 440, the user terminal 110 extracts a personal identification number assigned according to the use of the electronic payment service of the user terminal 110.

In operation 445, the user terminal 110 generates a payment approval request message including the selected payment means and the personal identification number and transmits the generated payment approval request message to the carrier payment support server 130.

In operation 450, the user terminal 110 receives a payment approval from the carrier payment support server 130.

In operation 455, the user terminal 110 determines whether a payment detail inquiry command has been input.

If no payment details inquiry has been entered, the process waits at step 455.

However, if the payment details inquiry is input, the user terminal 110 generates a payment details inquiry message in step 460 and transmits to the carrier payment support server 130 to receive and display the payment details.

[Description of Fig. 5]

5 is a flowchart illustrating a method for providing an electronic payment service for a user terminal according to an embodiment of the present invention.

In step 510, the user terminal 110 accesses the call setting device 140 according to the execution of the electronic payment application, requests an IP allocation, and receives a floating IP (step 515).

Subsequently, in step 520, the user terminal 110 accesses the carrier billing support server 130 using the assigned IP and performs a session establishment process. Since this is obvious to those skilled in the art, a separate description thereof will be omitted.

In operation 525, the affiliated store terminal 120 generates a payment request message including terminal information about the user terminal 110 and payment information about a product (article) purchased by the user terminal 110, and the carrier billing support server 130. To send).

Here, the affiliated store terminal 120 may request and receive terminal information of the user terminal 110 from the user of the user terminal 110.

In addition, as described above, the payment information may include payment details and payment amount information for the purchased product. In addition, it is natural that the payment amount information may include price information and total payment amount information for each purchased product.

In operation 530, the carrier payment support server 130 performs authentication on the user terminal 110.

In more detail, the carrier billing support server 130 may obtain terminal information and IP from the user terminal 110 during the session setup process of the user terminal 110. In addition, the carrier billing support server 130 may obtain the IP and the terminal information assigned to the user terminal 110 to the call setting device 140 according to the session establishment request of the user terminal 110.

Accordingly, the carrier billing support server 130 authenticates the user terminal 110 by using the terminal information and IP obtained from the session-set user terminal 110 and the terminal information and IP obtained from the call setting apparatus 140. Can be performed.

If authentication fails, the carrier payment support server 130 may generate an authentication failure message in step 535 and transmit the authentication failure message to the affiliated store terminal 120 and the user terminal 110, respectively. Subsequently, the session established with the user terminal 110 may be terminated.

However, if authentication is successful, the carrier billing support server 130 may generate a payment confirmation request message including payment amount information in step 540 and transmit it to the user terminal 110.

Here, the payment confirmation request message may further include identification information for the affiliated store terminal 120 as described above.

In operation 545, the user terminal 110 selects a payment method and extracts a personal identification number assigned to the user terminal 110. Subsequently, the user terminal 110 generates a payment approval request message including the selected payment means and the personal identification number and transmits the generated payment approval request message to the carrier payment support server 130.

Here, the payment approval request message may not include a payment method.

That is, in the present exemplary embodiment, it is assumed that the user terminal 110 transmits a payment approval request message to the carrier payment support server 130. However, for example, the user terminal 110 requests the payment approval from the user terminal 110. The message may be sent directly to the financial institution server 150.

In this case, the payment approval request message may not include a payment method. In addition, the payment approval request message may further include payment amount information along with identification information on the affiliated store terminal 120.

In operation 550, the service provider payment support server 130 extracts the payment means included in the payment approval request message and requests payment approval from the financial company server 150 corresponding to the extracted payment means.

Subsequently, in operation 555, the telecommunication company payment support server 130 receives an approval response from the financial company server 150.

In operation 560, the service provider payment support server 130 transmits the payment approval to the affiliated store terminal 120 and the user terminal 110, respectively, according to the approval response.

Subsequently, in step 565, the user terminal 110 requests the carrier billing support server 130 to search for payment details according to a command from the user. Here, the payment details inquiry request may include terminal information on the user terminal 110.

In operation 570, the service provider payment support server 130 extracts the payment details mapped to the terminal information according to the payment details inquiry request and provides them to the user terminal 110.

It will be apparent to those skilled in the art that various modifications and variations can be made in the present invention without departing from the spirit or scope of the invention as defined in the appended claims. It will be understood that the invention may be varied and varied without departing from the scope of the invention.

1 is a block diagram schematically illustrating a system configuration for an electronic payment service according to an embodiment of the present invention.

Figure 2 is a block diagram schematically showing the internal configuration of the carrier billing support server according to an embodiment of the present invention.

3 is a block diagram schematically showing an internal configuration of a user terminal according to an embodiment of the present invention.

4 is a flowchart illustrating a method for receiving an electronic payment service in a user terminal according to an exemplary embodiment of the present invention.

5 is a flowchart illustrating a method for providing an electronic payment service for a user terminal according to an embodiment of the present invention.

Claims (13)

(a) generating a payment request message including payment information from an affiliated store terminal and transmitting the generated payment request message to a carrier billing support server, wherein the payment information includes payment details and payment amount information; (b) generating a payment confirmation message including the payment amount information in the carrier payment support server and transmitting the generated payment confirmation message to the user terminal; (c) transmitting, at the user terminal, a payment approval request message including a predetermined personal identification number and a payment means to the carrier payment support server; (d) receiving a payment approval response message for requesting payment approval from a financial institution server corresponding to the payment method in response to the payment approval request message at the carrier payment support server; And and (e) transmitting the payment approval response message to the affiliated store terminal and the user terminal, respectively, in the carrier payment support server. The method according to claim 1, Before step (a), Acquiring and storing, by the carrier payment support server, terminal information about the user terminal and an allocated IP from a communication network according to a session establishment request of the user terminal; Obtaining, by the carrier payment support server, IP and terminal information from the user terminal according to a session establishment request of the user terminal; After step (a), The carrier billing support server compares the stored terminal information and IP with the IP and terminal information obtained from the user terminal to perform authentication for the user terminal. The method according to claim 1, The carrier billing support server acquires and stores the terminal information and the assigned IP for the user terminal from the communication network in response to the session establishment request of the user terminal, Recognizing, by the carrier payment support server, a communication network type to which the user terminal is connected according to a session establishment request of the user terminal; And And accessing the call setting device of the communication network according to the communication network type to obtain the IP allocated to the user terminal and terminal information on the user terminal by the carrier payment support server. How to provide a payment service. The method according to claim 1, The call setting device allocates an IP according to an IP allocation request of the user terminal, maps and stores the allocated IP and terminal information of the user terminal, and corresponds to the user terminal according to a request of the carrier billing support server. The electronic payment service providing method using the user terminal, characterized in that for transmitting the assigned IP and the terminal information. The method according to claim 1, After step (a), Storing, by the carrier payment support server, the payment details and the payment amount by mapping the terminal information; When the payment details inquiry request from the user terminal, the carrier payment support server further comprises the step of extracting the payment details mapped to the terminal information transmitted to the user terminal. In the carrier billing support server connected to the merchant terminal and the user terminal through a communication network to provide an electronic payment service to the user terminal, An information obtaining unit obtaining and storing IP and terminal information allocated to the user terminal through a communication system according to the session establishment request of the user terminal; A data transmission / reception unit configured to receive a payment request message including payment information and terminal information of the user terminal from the affiliated store terminal; An authenticator configured to compare the stored terminal information with terminal information included in the payment request message and perform authentication on the user terminal; And When authentication is successful, a payment confirmation message including the payment information is generated and transmitted to the user terminal, and when a payment approval request message including personal identification information and payment means is received from the user terminal, the financial company corresponding to the payment method. The service provider payment support server including a service control unit for obtaining a payment approval by requesting the payment approval to the server. The method according to claim 6, The communication system is a carrier billing support server, characterized in that the system for dynamically assigning the IP address in the communication network connected to the user terminal. The method according to claim 6, The service control unit, the service provider payment support server, characterized in that for transmitting to the user terminal and the affiliated store terminal, if the payment approval is obtained. The method according to claim 6, Carrier payment support server further comprises a storage unit for mapping and storing the payment information to the terminal information under the control of the service control unit. The method of claim 8, The payment information includes payment details and payment amount information, The service control unit, if a request for payment details including terminal information is requested from the user terminal, the carrier billing support server, characterized in that for extracting the payment details mapped to the terminal information transmitted to the user terminal. A user terminal connected to a carrier billing support server through a communication network to receive an electronic payment service, An input unit to receive an execution command for an electronic payment application; A session setting unit configured to receive an IP through the communication network according to the execution command and to access the carrier payment support server using the allocated IP; A communication unit configured to receive payment amount information from the carrier payment support server in response to the access to the carrier payment support server; And And a controller configured to control a payment approval request including a payment means and predetermined personal identification information to be transmitted through the communication unit in response to receiving the payment amount information. 12. The method of claim 11, A storage unit for storing one or more payment means available in the user terminal; And And a display unit configured to display the payment means under the control of the service controller. 12. The method of claim 11, The control unit, when a payment history inquiry command is input through the input unit, characterized in that to transmit the payment history inquiry to the carrier payment support server to obtain a payment history.

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