KR20120003129A - Apparatus and method for processing settlement using mobile telecommunication terminals - Google Patents

Abstract

PURPOSE: A payment processing device of a mobile communication terminal and a method thereof are provided to perform authentication using MAC information of a mobile communication terminal and perform payment by connecting a shop server with a connection terminal through a wireless LAN AP. CONSTITUTION: An authentication processing unit(100a) requests authentication to a shop server(104) using the MAC address of a wireless communication module. The authentication processing unit transmits information about a paid connection terminal to the shop server if a response to the authentication request is received. A payment processing unit(100b) receives payment result information caused by the payment request after payment is requested.

Description

Apparatus and method for payment processing of a mobile terminal {APPARATUS AND METHOD FOR PROCESSING SETTLEMENT USING MOBILE TELECOMMUNICATION TERMINALS}

The present invention relates to a payment method using a mobile communication terminal, and more particularly, by performing authentication using Mac information of a mobile communication terminal and performing a payment by accessing a store server and an access terminal through a wireless LAN AP, The present invention relates to a payment processing device and method for a mobile communication terminal that can reduce the traffic that can occur in a mobile communication network and can perform payment without a separate device having an RF function.

Wireless LAN technology is a technology that operates by being connected to a wired LAN according to IEEE 802.3. Standards of the technology include various technologies such as IEEE 802.11, IEEE 802.11b, and Bluetooth.

The basic operation form of wireless LAN is the bridge mode operation type that operates by simply extending the wired LAN to the wireless section, and it is equipped with a separate protocol, so that it has terminal authentication and DHCP (Dynamic Host Configuration Protocol) client and server functions. Receiving an IP (Internet Protocol) address, the terminal has a function of allocating a private IP address.

In addition to the wireless LAN relay function, the AP (Access Point) has a built-in LAN hub function so that a wired port can be connected to a printer or a desktop PC that is placed in a fixed location without the need for mobility. And a wireless terminal such as a PDA and a laptop.

In the case of WLAN, in order to enable only the terminals that are previously licensed to connect to the network, the MAC IDs of the NICs attached to the terminals are registered in the WLAN AP in advance so that the registered terminals If you want to access the wireless LAN, the connection is allowed, and the terminal without the MAC ID registered does not allow the connection.

In order to selectively use these functions, a management function is installed in the WLAN, and this management function can be easily activated and deactivated by general users by using a browser window such as Internet Explorer in a web (WEB) manner. To make it possible.

As such, the wireless LAN service may be referred to as a service that connects wireless and wired so that a user may use an Internet service by connecting to a wired network through a device having a medium access control (MAC) interface and a physical layer interface suitable for a wireless medium.

Therefore, in order to provide a wireless LAN service, a wireless LAN access card, which is a device for transmitting and receiving data to and from a terminal (notebook, PDA), must be provided, and a terminal function is basically provided for the connection between the terminal and the wired LAN. There must be a wireless access point (AP) that allows access. In addition, there is a need for a system capable of authenticating and charging a user (eg, a payment system (PG)) and a network management system capable of managing the same.

Recently, telecommunications providers that provide wireless LAN services are building a communication environment that can freely use the Internet through wireless LAN anywhere in the country while promoting the excellent advantages of the wireless LAN.

On the other hand, in general, the payment system in an offline store includes a payment using a plastic card such as a credit card, a member's card, a debit card, a check card, and a payment using a mobile communication terminal, in addition to cash payment.

Payment using a plastic card is a method of paying a fee for a product by performing a payment after contacting a plastic card to a separate reader, which requires a separate reader.

In order to overcome this drawback, a payment using a mobile communication terminal was developed. The payment using a mobile communication terminal is a wireless payment method using a credit card inserted in a mobile communication terminal. I will pay for it.

The mobile communication terminal used in the wireless payment method not only has a USIM card but also includes an RF function. The mobile communication terminal downloads the mobile card and performs payment through a dongle capable of supporting RF.

As described above, in the conventional wireless payment method, since a payment is performed by transmitting information through a dongle, a separate device having an RF function is required.

In order to solve the above problems, an object of the present invention is to perform authentication of a user connected to a wireless LAN AP through a mobile communication terminal using MAC information of the mobile communication terminal, and authenticated through the Mac information. The present invention provides a payment processing device and method for a mobile communication terminal capable of performing a payment by interworking a mobile communication terminal of a user and a merchant store server through a wireless LAN AP.

The object of the present invention is not limited to those mentioned above, and other objects not mentioned will be clearly understood by those skilled in the art from the following description.

A payment processing device of a mobile communication terminal according to an embodiment of the present invention is a payment processing device of a mobile communication terminal having a wireless communication module capable of accessing a wireless LAN AP. After receiving a request for authentication and receiving a response according to the authentication request, the authentication processing unit which transmits the information of the access terminal to process payment to the store server, and the payment card information previously stored in the access terminal through the connection with the store server. And providing a payment processing unit for receiving payment result information according to the payment request after providing a payment request.

In the payment processing apparatus of the mobile communication terminal according to an embodiment of the present invention, the authentication processing unit receives a message of the access terminal to process the payment from the access terminal, the wireless communication module according to the execution of the received message You can request authentication from the store server using the MAC address.

In the payment processing apparatus of the mobile communication terminal according to an embodiment of the present invention, the payment amount information is included in the message received from the access terminal, and the payment processing unit stores the payment amount information included in the message in the store server. After the payment request is provided to the access terminal through the terminal, payment result information according to the payment request may be received.

In the payment processing device of the mobile communication terminal according to an embodiment of the present invention, the payment processing unit receives payment amount information through the store server, accesses the mobile VAN server through the wireless LAN AP and the payment amount information and A payment request may be made by transmitting payment card information, and payment result information may be received according to the payment request.

In the payment processing device of the mobile communication terminal according to an embodiment of the present invention, by providing the payment result information to the access terminal, a membership information management unit for requesting an update on the membership information of the user of the mobile communication terminal according to the payment result information. It may include.

A payment processing method of a mobile communication terminal according to an embodiment of the present invention is a payment processing method of a mobile communication terminal having a wireless communication module that can be connected to a wireless LAN AP, the MAC address of the wireless communication module to the wireless LAN AP Transmitting to the store server to request authentication, and when a response according to the authentication request is received from the store server, transmitting information of an access terminal to process payment to the store server, and through the store server. Upon receiving the payment amount information generated by the access terminal, requesting payment by providing previously stored payment card information to the access terminal through the store server, and receiving payment result information from the access terminal according to the payment request. Receiving.

In the payment processing method of the mobile communication terminal according to an embodiment of the present invention, the request for payment comprises the step of requesting and receiving the payment amount information from the store server to the access terminal, and from the store server to the membership server. Requesting and receiving membership information of the user of the mobile communication terminal by accessing the mobile terminal, and receiving the membership information and payment amount information, and then transmitting the pre-stored payment card information to the store server to request payment. It includes a step.

In the payment processing method of a mobile communication terminal according to an embodiment of the present invention, after transmitting payment result information from the access terminal to the mobile communication terminal, the membership information and the payment amount information are transmitted to a membership server, thereby providing the user with the mobile communication terminal. And updating the membership information of the.

A payment processing method of a mobile communication terminal according to another embodiment of the present invention is a payment processing method of a mobile communication terminal having a wireless communication module capable of accessing a wireless LAN AP, including information of an access terminal to perform payment processing. Receiving a message from the access terminal, and when the message is executed, accessing a store server through the wireless LAN AP and requesting authentication by transmitting a MAC address of the wireless communication module to the store server; If a response according to the authentication request is received from the store server, accessing the access terminal corresponding to the information in the message through the store server and requesting payment by transmitting payment card information to the access terminal; Receiving payment result information from the access terminal.

In the receiving of the payment processing method of the mobile communication terminal according to another embodiment of the present disclosure, a message including payment amount information may be received together with the information of the access terminal.

In the payment processing method of a mobile communication terminal according to another embodiment of the present invention, the access terminal connects to the membership server and requests and receives membership information of the mobile terminal user from the membership server. And receiving, from the access terminal, a message including the membership information and the information of the access terminal.

In the payment processing method of a mobile communication terminal according to another embodiment of the present invention, after transmitting payment result information from the access terminal to the mobile communication terminal, the membership information and the payment amount information are transmitted to a membership server to the mobile communication terminal. Updating the user's membership information.

A payment processing method of a mobile communication terminal according to another embodiment of the present invention is a payment processing method of a mobile communication terminal having a wireless communication module that can access a wireless LAN AP, which is connected to a store server through the wireless LAN AP. Transmitting a MAC address of the wireless communication module to the store server to request authentication, receiving a response according to the authentication request from the store server, and receiving payment amount information from the store server; Accessing the mobile VAN server through a wireless LAN AP and requesting payment by transmitting the payment amount information and payment card information to the mobile VAN server, and receiving payment result information according to the payment request from the mobile van server. Steps.

The payment processing method of a mobile communication terminal according to another embodiment of the present invention includes providing the received payment result information to the store server and the access terminal that generated the payment amount information through the WLAN AP. Can be.

In the receiving of the payment processing method of the mobile communication terminal according to another embodiment of the present disclosure, the payment information and the membership information of the user of the mobile communication terminal may be received.

The payment processing method of the mobile communication terminal according to another embodiment of the present invention comprises the step of providing the membership information and the payment result information to the access terminal after receiving the payment result information, the access terminal to the membership server; And after the connection, transmitting the payment result information and the membership information to the membership server to update the membership information of the user of the mobile communication terminal.

According to the present invention, authentication can be performed using Mac information of a mobile communication terminal and payment can be made by accessing a store server and an access terminal through a wireless LAN AP, thereby reducing the use of the mobile communication network. This can reduce the traffic.

In addition, the present invention has the advantage that by performing authentication and payment through a wireless LAN AP, payment can be performed without a separate device having an RF function.

1 is a block diagram showing a user interface device and a peripheral configuration of a mobile terminal according to the present invention;
2 is a flowchart illustrating a process of providing a user interface when playing a mobile online game through a mobile terminal according to the present invention.

Advantages and features of the present invention, and methods for achieving them will be apparent with reference to the embodiments described below in detail in conjunction with the accompanying drawings. The present invention may, however, be embodied in many different forms and should not be construed as being limited to the embodiments set forth herein. Rather, these embodiments are provided so that this disclosure will be thorough and complete, and will fully convey the concept of the invention to those skilled in the art. Is provided to fully convey the scope of the invention to those skilled in the art, and the invention is only defined by the scope of the claims. Like reference numerals refer to like elements throughout.

In the following description of the present invention, a detailed description of known functions and configurations incorporated herein will be omitted when it may make the subject matter of the present invention rather unclear. The following terms are defined in consideration of the functions in the embodiments of the present invention, which may vary depending on the intention of the user, the intention or the custom of the operator. Therefore, the definition should be based on the contents throughout this specification.

Combinations of each block of the accompanying block diagram and each step of the flowchart may be performed by computer program instructions. These computer program instructions may be mounted on a processor of a general purpose computer, special purpose computer, or other programmable data processing equipment such that instructions executed through the processor of the computer or other programmable data processing equipment may not be included in each block or flowchart of the block diagram. It will create means for performing the functions described in each step. These computer program instructions may be stored in a computer usable or computer readable memory that can be directed to a computer or other programmable data processing equipment to implement functionality in a particular manner, and thus the computer usable or computer readable memory. It is also possible for the instructions stored in to produce an article of manufacture containing instruction means for performing the functions described in each block or flowchart of each step of the block diagram. Computer program instructions may also be mounted on a computer or other programmable data processing equipment, such that a series of operating steps may be performed on the computer or other programmable data processing equipment to create a computer-implemented process to create a computer or other programmable data. Instructions that perform processing equipment may also provide steps for performing the functions described in each block of the block diagram and in each step of the flowchart.

In addition, each block or step may represent a portion of a module, segment or code that includes one or more executable instructions for executing a specified logical function (s). It should also be noted that in some alternative embodiments, the functions mentioned in the blocks or steps may occur out of order. For example, the two blocks or steps shown in succession may in fact be executed substantially concurrently or the blocks or steps may sometimes be performed in the reverse order, depending on the functionality involved.

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

1 is a block diagram schematically showing the configuration of a payment system using a mobile communication terminal according to an embodiment of the present invention.

Referring to FIG. 1, a payment system using a mobile communication terminal 100 in an offline store is a wireless access point (AP) 102, a store server 104, and an access terminal ( POS) 106, membership server 108, VAN server 110, card company server 112, mobile VAN server 114, and the like.

The mobile communication terminal 100 is a mobile communication terminal that stores credit card information, which is payment card information, and is equipped with a wireless communication module for transmitting and receiving data signals through wireless communication. After the payment program is run to pay for the goods, the credit card information and the payment request information are transmitted to the WLAN AP 102. The mobile communication terminal 100 may include an authentication processing unit 100a, a payment processing unit 100b, and a membership information management unit 100c.

The wireless communication module mounted in the mobile communication terminal 100 has a MAC address, and registers the MAC address in the store server 104 for user authentication. That is, the authentication processing unit 100a of the mobile communication terminal 100 transmits the MAC address of the wireless communication module to the store server 104 before the card payment program is driven to perform user authentication.

That is, when the authentication processing unit 100a requests authentication to the store server using the MAC address of the wireless communication module and receives a response according to the authentication request, the authentication processing unit 100a transmits the information of the access terminal 106 to be processed to the store server 104. send.

The authentication processing unit 100a may receive information of the access terminal 106 to process payment from the access terminal 106 using a message, and store the server using the MAC address of the wireless communication module according to the execution of the received message. Authentication may be requested at 104.

The payment processing unit 100b receives the payment result information according to the payment request after providing a payment card information previously stored in the access terminal 106 through a connection with the store server 104 to request a payment. Herein, the payment amount information may be included in a message received from the access terminal 106, and the payment processing unit 100b may provide the payment amount information included in the message to the access terminal 106 through the store server 104. After requesting payment, payment result information according to the payment request may be received.

In addition, the payment processing unit 100b receives payment amount information through the store server 104, accesses the mobile VAN server through the wireless LAN AP 102, and sends a payment amount information and payment card information to request a payment. And, payment result information according to the payment request can be received.

The membership information management unit 106c may provide the payment result information to the access terminal 106 and request an update of membership information of the user of the mobile communication terminal 100 according to the payment result information.

The WLAN AP 102 is a means for providing a wireless Internet service or a short-range communication service, and examples thereof include WIFI.

The access terminal 106 is a sales management system that collects and processes all data at the point of sale occurring in a real time store and analyzes and evaluates the desired information for each sector. Provides services of seat management and order registration, reservation management and garden management, settlement turnover management, credit card management and receipt reissue.

At least one such connection terminal 106 is provided in an offline store, and each connection terminal 106 is assigned with unique information, for example, a number for identifying each connection terminal 106.

The access terminal 106 provides information necessary for payment, for example, payment amount information, to the mobile communication terminal 100 through the store server 104 when paying for a service or a product in an offline store.

In addition, the access terminal 106 is the card company server 112 through the VAN server 110 based on the payment card information provided after receiving the payment card information transmitted from the mobile communication terminal 100 through the store server 104 In connection with the payment is performed, that is, after requesting payment using the payment card information, as payment approval information is received from the card company server 112, after notifying the payment result information to the mobile terminal 100 membership information and payment Card usage information such as price information may be provided to the membership server 108 to provide various additional services according to card usage.

The store server 104 is connected to the mobile communication terminal 100 of the user through the wireless LAN AP 102, receives the MAC address of the mobile communication terminal 100, performs user authentication, and then authenticates the mobile communication terminal ( In accordance with the request of 100, the payment information provided from the access terminal 106 and the membership information of the user of the mobile communication terminal 100 provided from the membership server 108 are transmitted to the mobile communication terminal 100. That is, the store server 104 transmits personal information of the user of the mobile communication terminal 100 to the membership server 108, for example, personal information such as a telephone number, social security number, etc., to request membership information, thereby requesting the user of the mobile communication terminal 100. Membership information can be provided.

The store server 104 includes a database (not shown) in which MAC information of wireless communication modules in the plurality of mobile communication terminals 100 is stored to allow wireless access to the plurality of mobile communication terminals 100. Doing.

In addition, the store server 104 requests payment by providing payment card information provided from the mobile communication terminal 100 and membership information provided from the membership server 108 to the access terminal 106.

The membership server 108 includes a database (not shown) that stores membership information for a plurality of users. In an embodiment of the present invention, the membership information may include point accumulation information, various coupon information, discount information, etc. for each payment amount according to a product or service purchase.

The mobile VAN server 114 wirelessly interworks with the mobile communication terminal 100 to connect the card company server 112 and the mobile communication terminal 100, and provides a card payment service to the mobile communication terminal through such a connection. That is, in response to the card payment request of the mobile communication terminal 100, the mobile VAN server 114 accesses the card company server 112 that has requested the card payment and requests payment approval, and then receives the approval result value from the card company server 112 and moves it. Provided to the communication terminal 100.

In the embodiment of the present invention has been described as an example to request a payment through the store server 104 and the access terminal 106 by using the payment amount and membership information, the mobile van server ( (Not shown) to request payment and receive payment approval. The mobile communication terminal 100 transmits the approved result to the store server 104 and the access terminal 106 when the payment request is approved through the mobile van server.

A process of operating a payment system using a mobile communication terminal having the above configuration will be described with reference to FIG. 2.

2 is a flowchart illustrating a payment process using a mobile communication terminal according to an embodiment of the present invention.

Prior to the description, the store server 104 registers MAC information of wireless communication modules in the plurality of mobile communication terminals 100 in a database (not shown).

Referring to FIG. 2, first, the mobile communication terminal 100 executes a payment program to access a store server 104 through a wireless LAN AP 102 and then provides a MAC address to the store server 104. To request authentication (S200). Here, after the user completes the purchase of the service or product, the user who recognizes the payment amount in the state of completing the calculation at the checkout counter in the store executes the payment program installed in the mobile communication terminal 100.

The store server 104 authenticates the user of the mobile communication terminal 100 through a comparison between the MAC address stored in its database and the Mac information provided from the mobile communication terminal 100. That is, when the MAC address provided from the mobile communication terminal 100 exists in the database, the store server 104 provides the WLAN AP 102 with a response message for authenticating the user of the mobile communication terminal 100 as a normal user. In step S202, the WLAN AP 102 allows a wireless network connection to the mobile communication terminal 100 (S204).

Thereafter, the mobile communication terminal 100 transmits the information of the access terminal 106 to process the payment to the store server 104 through the wireless LAN AP 102 (S206). Here, the access terminal 106 to process the payment is a terminal provided in the cashier for calculating the purchased goods after the user enters the offline store to purchase the goods.

Then, the store server 104 transmits the information of the mobile communication terminal 100 to the access terminal 106 corresponding to the information received from the mobile communication terminal 100 to request the payment amount (S208), the access terminal After receiving the payment amount from 106 (S210), the membership server 108 requests and receives an inquiry of the membership information for the user of the mobile communication terminal 100 (S212, S214).

Then, the store server 104 transmits the payment amount and membership information to the mobile communication terminal 100 through the wireless LAN AP 102 (S216), the mobile communication terminal 100 transmits the payment card information to the store server ( 104, the payment request is made (S218).

The store server 104 transmits payment card information and membership information to the access terminal 106 (S220), and the access terminal 106 corresponds to the payment card information through the VAN server 110 using the payment card information. After accessing the card company server 112 and requests the card approval (S222).

Thereafter, when the access terminal 106 receives a message about the card approval from the card company server 112 (S224), the access terminal 106 transmits payment result information to the mobile communication terminal 100 (S226).

The access terminal 106 having transmitted the payment result information transmits the membership information and the payment amount to the membership server 108 (S228) to update the membership information for the user of the mobile communication terminal 100.

In the embodiment of the present invention, for example, the payment program is executed by the user using his mobile terminal 100, for example, but described as another embodiment of the purchase user's movement from the access terminal 106 installed on the checkout counter in the store A message for executing the payment program in the communication terminal 100 may be transmitted to the mobile communication terminal 100 of the purchase user in association with a mobile communication network (not shown). In another embodiment of the present invention, the message may be a push SMS message and includes payment amount information.

In another embodiment of the present invention, as the mobile communication terminal 100 selects the received message, the payment program is automatically executed to perform the steps of S200, and the payment processing is performed when the subsequent steps are performed after S200. Not only can the information of the access terminal 106 to be automatically transmitted without a user's input, but also the payment amount information is transmitted to the store server 104, so the membership is not required to request and receive the payment amount from the access terminal 106. You can ask for information.

In addition, according to an embodiment of the present invention, the mobile communication terminal 100 receiving the payment amount information and the membership information from the store server 104 transmits the payment card information to the store server 104 and the card company through the VAN server 110. Although described as an example of requesting payment approval to the server 112, as another embodiment of the present invention, the mobile communication terminal 100 receiving payment amount information and membership information is directly connected to the mobile VAN server 114 The payment approval request may be received, and a result value (approved content) according to the payment approval request may be transmitted to the store server 104 and the access terminal 106.

According to embodiments of the present invention, by performing authentication using the MAC information of the mobile communication terminal 100, and connected to the store server 104 and the access terminal 106 through the wireless LAN AP, the mobile, Since the use of the communication network can be reduced, the traffic that can occur in the mobile communication network can be reduced.

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, but, on the contrary, You will understand. For example, those skilled in the art can change the material, size, etc. of each component according to the application field, or combine or replace the disclosed embodiments in a form that is not clearly disclosed in the embodiments of the present invention, but this also It does not depart from the scope of the invention. Therefore, it should be understood that the above-described embodiments are to be considered in all respects as illustrative and not restrictive, and that these modified embodiments are included in the technical idea described in the claims of the present invention.

100: mobile communication terminal 102: wireless LAN AP
104: store server 106: access terminal
108: Membership Server 110: VAN Server
112: card company server 114: mobile VAN server

Claims (16)

A payment processing device of a mobile communication terminal having a wireless communication module that can access a wireless LAN AP,
An authentication processing unit which transmits information of an access terminal to process payment to the store server when a response according to the authentication request is received after requesting authentication from the store server using the MAC address of the wireless communication module;
A payment processing unit which provides payment card information previously stored in the access terminal through a connection with the store server to request payment and receives payment result information according to the payment request;
Payment processing device of a mobile communication terminal.
The method of claim 1,
The authentication processing unit,
Receiving a message from the access terminal information of the access terminal to be processed for payment, and requesting authentication to the store server using the MAC address of the wireless communication module according to the execution of the received message
Payment processing device of a mobile communication terminal.
The method of claim 2,

The payment amount information is included in the message received from the access terminal,
The payment processing unit may provide payment amount information included in the message to the access terminal through the store server to request payment and then receive payment result information according to the payment request.
Payment processing device of a mobile communication terminal.
The method of claim 1,
The payment processing unit,
Receives payment amount information through the store server, accesses the mobile VAN server through the wireless LAN AP, requests payment by transmitting the payment amount information and payment card information, and receives the payment result information according to the payment request. Receiving
Payment processing device of a mobile communication terminal.
The method according to claim 1 or 2 or 4,
And a membership information management unit which provides the payment result information to the access terminal and requests an update of the membership information of the user of the mobile communication terminal according to the payment result information.
Payment processing device of a mobile communication terminal.
A payment processing method of a mobile communication terminal having a wireless communication module capable of accessing a wireless LAN AP,
Requesting authentication by transmitting the MAC address of the wireless communication module to the store server through the wireless LAN AP;
When the response according to the authentication request is received from the store server, transmitting information of an access terminal to process a payment to the store server;
Requesting payment by providing previously stored payment card information to the access terminal through the store server when the payment amount information generated by the access terminal is provided through the store server;
Receiving payment result information from the access terminal according to the payment request;
A payment processing method of a mobile terminal.
The method according to claim 6,
Requesting the payment,
Requesting and receiving the payment amount information from the in-store server at the access terminal;
Accessing a membership server from the store server and requesting and receiving membership information of the mobile communication terminal user;
And after the mobile communication terminal receives the membership information and the payment amount information, transmitting the previously stored payment card information to the store server to request a payment.
A payment processing method of a mobile terminal.
The method of claim 7, wherein
Updating the membership information of the user of the mobile communication terminal by transmitting payment result information to the mobile communication terminal and then transmitting the membership information and the payment amount information to a membership server;
A payment processing method of a mobile terminal.
A payment processing method of a mobile communication terminal having a wireless communication module capable of accessing a wireless LAN AP,
Receiving a message from the access terminal, the message including information of the access terminal to perform payment processing;
When the message is executed, accessing the store server through the wireless LAN AP and requesting authentication by transmitting the MAC address of the wireless communication module to the store server;
If a response according to the authentication request is received from the store server, accessing the access terminal corresponding to the information in the message through the store server and requesting payment by transmitting payment card information to the access terminal;
Receiving payment result information from the access terminal;
A payment processing method of a mobile terminal.
The method of claim 9,
The receiving may include receiving a message including payment amount information together with information of the access terminal.
A payment processing method of a mobile terminal.
The method of claim 9,
Wherein the receiving comprises:
Requesting and receiving membership information of the mobile communication terminal user from the membership server after accessing the membership server;
Receiving a message including the membership information and the information of the access terminal from the access terminal;
A payment processing method of a mobile terminal.
The method of claim 11,
Updating the membership information of the user of the mobile communication terminal by transmitting payment result information to the mobile communication terminal and then transmitting the membership information and the payment amount information to a membership server;
A payment processing method of a mobile terminal.
A payment processing method of a mobile communication terminal having a wireless communication module capable of accessing a wireless LAN AP,
Accessing the store server through the wireless LAN AP and requesting authentication by transmitting the MAC address of the wireless communication module to the store server;
Receiving payment amount information from the store server after receiving a response according to the authentication request from the store server;
Accessing a mobile VAN server through the wireless LAN AP and requesting payment by transmitting the payment amount information and payment card information to the mobile VAN server;
Receiving payment result information according to a payment request from the mobile van server;
A payment processing method of a mobile terminal.
The method of claim 13,
Providing the received payment result information to the in-store server and the access terminal that generated the payment amount information through the WLAN AP;
A payment processing method of a mobile terminal.
The method of claim 14,
The receiving may include receiving membership information of the mobile communication terminal user together with the payment amount information.
A payment processing method of a mobile terminal.
The method of claim 15,
Providing the membership information and the payment result information to the access terminal after receiving the payment result information;
Updating the membership information of the user of the mobile communication terminal by transmitting the payment result information and the membership information to the membership server after accessing the membership server from the access terminal;
A payment processing method of a mobile terminal.

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