KR20130040463A - Method, system and apparatus for providing electronic payment used homeshopping - Google Patents

Abstract

PURPOSE: An electronic payment method using home shopping, a system thereof, and a device thereof are provided to quickly and safely perform electronic payment through authentication by authenticating OTP(One Time Password) information through a webpage or an ARS(Auto Response System) according to a purchase way of a specific product. CONSTITUTION: When payment request information is received from a home shopping providing device(130), an electronic payment device(140) receives payment unit information and OTP information corresponding to the payment unit information from at least one terminal(110), a user terminal(114), and the home shopping providing device according to purchase way selection information. When the OTP information is authenticated by one or more of a communication company unit(150) and a card company unit(172), the electronic payment device processes payment. [Reference numerals] (110) Terminal; (112) Electronic payment application; (114) User terminal; (120) Communication network; (130) Home shopping providing device; (132) Voice call providing unit; (134) Auto response providing unit; (136) Web providing unit; (140) Electronic payment device; (150) Communication company unit; (152) Communication company OTP providing device; (160) Phone bill agent device; (170) Added value communication network; (172) Card company unit; (174) Card company OTP providing device;

Description

Electronic payment method, system and device using home shopping {Method, System And Apparatus for Providing Electronic Payment Used Homeshopping}

The present embodiment relates to an electronic payment method, system and apparatus using home shopping. More specifically, in the process of electronic payment using home shopping, the user authenticates OTP (One Time Password) information through a call with an agent, ARS, or a web page according to the purchase method of a specific product selected by the user, The present invention relates to an electronic payment method, system, and apparatus using home shopping, which enables faster and safer payment.

The contents described in this section merely provide background information on the present embodiment and do not constitute the prior art.

As a payment method for home shopping, a credit card, a debit card, or a deposit method through a bank account is commonly used. In addition, the use of credit cards is recommended as a way to increase the transparency of taxation in commerce, and many other payment methods are being developed. In particular, as the e-commerce using the Internet has been steadily growing, the payment settlement market is rapidly expanding. Until now, most of the payment methods on the Internet have been credit cards and unpaid online payments. New payment method of payment using the service has been emerging and the frequency of use is increasing rapidly.

However, in the case of such a payment method, there is an inconvenience that must be issued a separate module or card, there is a problem that can cause damage due to the leakage of personal information.

In order to solve the above problems, the present embodiment, according to the purchase method of the specific product selected by the user in the process of performing the electronic payment using the home shopping, authenticate the OTP information through the call with the agent, ARS or web page, The main purpose of the present invention is to provide an electronic payment method, system, and device using home shopping, which enables faster and safer electronic payment.

According to an aspect of the present embodiment to achieve the above object, a home shopping providing apparatus for transmitting the payment request information according to the purchase method selection information of a specific product; And when the payment request information is received, payment means information and one time password (OTP) information corresponding to the payment means information from at least one of the terminal, the user terminal, and the home shopping providing device according to the purchase method selection information. After receiving the OTP information is authenticated using at least one or more of the carrier company and the card company device, the electronic payment system comprising an electronic payment device for performing a payment process for the payment request information do.

In addition, according to another aspect of the present embodiment, the payment information receiving unit for receiving the payment request information according to the purchase method selection information of the specific product from the home shopping providing device; An OTP information receiver configured to receive OTP information from at least one of the home shopping apparatus, the terminal, and the user terminal; A payment means synchronization unit configured to receive and synchronize payment means information from the terminal according to the purchase method selection information; An OTP information authentication unit for receiving OTP information corresponding to the payment means information from the OTP information receiving unit and authenticating the OTP information using at least one device of a communication company device and a card company device; And when the OTP information is authenticated, transmits a transaction approval request signal for the synchronized payment means information to a communication company device or a card company device, receives a transaction approval response signal corresponding to the transaction approval request signal, and then provides the home shopping apparatus. Provides an electronic payment device comprising a payment approval unit for transmitting a payment information verification completion signal to.

According to another aspect of the present embodiment, a method for performing electronic payment using home shopping in an electronic payment device, the method comprising: receiving payment request information according to purchase method selection information of a specific product from the home shopping providing device; Receiving OTP information from at least one of the home shopping providing device, the terminal, and the user terminal; Receiving and synchronizing payment means information from the terminal according to the purchase method selection information; Receiving OTP information corresponding to the payment means information from the OTP information receiving unit, and authenticating the OTP information using at least one of a telecommunication company device and a card company device; And when the OTP information is authenticated, transmits a transaction approval request signal for the synchronized payment means information to a communication company device or a card company device, receives a transaction approval response signal corresponding to the transaction approval request signal, and then provides the home shopping apparatus. Provides an electronic payment method comprising the step of transmitting a payment information verification completion signal to.

As described above, according to the present embodiment, in the process of performing electronic payment using home shopping, OTP information is authenticated through a call with an agent, ARS, or a web page according to a purchase method of a specific product selected by the user, It is effective to make electronic payments more quickly and safely. In addition, according to the present embodiment, the user does not need to directly enter the OTP information at the time of payment, not only has the effect that payment is easily performed, but also performs additional authentication through a card company or a communication company according to the payment method. There is an effect of increasing the security of the payment method.

1 is a block diagram schematically showing an electronic payment system using home shopping according to the present embodiment;
2 is a block diagram schematically showing the electronic payment apparatus according to the present embodiment;
3 is a block diagram schematically illustrating a terminal according to the present embodiment;
4 is a flowchart illustrating an electronic payment method using home shopping according to the present embodiment;
5 is a flowchart illustrating a payment method for a case where the payment method according to the present embodiment is a credit card;
6 is a flowchart illustrating a payment method when the payment means according to the present embodiment is phoneville information.

Hereinafter, the present embodiment will be described in detail with reference to the accompanying drawings.

The electronic payment described in this embodiment refers to a payment used for home shopping, but is not necessarily limited thereto. Those skilled in the art to which this embodiment belongs will variously modify and modify it without departing from the essential characteristics of the embodiment. Will be applicable.

1 is a block diagram schematically showing an electronic payment system using home shopping according to the present embodiment.

The electronic payment system according to the present embodiment includes a terminal 110, an electronic payment application 112, a user terminal 114, a communication network 120, a home shopping providing device 130, a voice call providing unit 132, and an answering machine. Study 134, Web provider 136, electronic payment device 140, carrier device 150, carrier OTP providing device 152, phone bill agency 160, value-added communication network 170, card company device 172 ) And a card company OTP providing apparatus 174. In the present embodiment, the electronic payment system includes a terminal 110, an electronic payment application 112, a user terminal 114, a communication network 120, a home shopping providing device 130, a voice call providing unit 132, and an automatic response providing unit. 134, the web provider 136, the electronic payment device 140, the telecommunication company device 150, the telecommunication company OTP providing device 152, the phoneville agency device 160, the value-added communication network 170, the card company device 172. And it is described as including only the card company OTP providing apparatus 174, which is merely illustrative of the technical idea of one embodiment of the present invention, one of ordinary skill in the art to which one embodiment of the present invention belongs If it does not deviate from the essential characteristics of one embodiment of the present invention will be applicable to various modifications and modifications to the components included in the electronic payment system.

The terminal 110 is a terminal capable of transmitting and receiving various data via the communication network 120 according to a key operation of a user. The terminal 110 may be a tablet PC, a laptop, a personal computer (PC) A smart phone, a personal digital assistant (PDA), a mobile communication terminal, and the like. In addition, the terminal 110 may be a cloud computing terminal that supports cloud computing (Cloud Computing) that can use services such as data reading and writing and storing, network, and content use through the communication network 120.

That is, the terminal 110 is a terminal that performs voice or data communication using the communication network 120, and stores a browser, a program, and a protocol for communicating with the electronic payment device 140 via the communication network 120. It refers to a terminal having a microprocessor for operating and controlling various programs. That is, the terminal 110 may be any terminal as long as the electronic payment device 140 and the server-client communication are possible, and a broad concept includes all communication computing devices such as a notebook computer, a mobile communication terminal, and a PDA. Meanwhile, the terminal 110 is preferably manufactured in a form having a touch screen, but is not necessarily limited thereto. In this embodiment, the terminal 110 is described as being implemented as a separate device from the electronic payment device 140, in the actual implementation of the invention, the terminal 110 includes all the electronic payment device 140 It could be implemented as a Stand Alone device.

The terminal 110 may drive the electronic payment application 112 by a user's manipulation or command, and perform member registration through the electronic payment application 112. To describe the electronic payment application 112 in more detail, the electronic payment application 112 refers to an application installed after being downloaded through an application store when the terminal 110 is a smart phone, and the terminal 110 is a feature phone. (Feature Phone) refers to an application running on a VM (Virtual Machine) downloaded through the communication company device 140.

Such a terminal 110 needs to perform member registration to perform electronic payment. Hereinafter, to describe this process, the terminal 110 mounts an electronic payment application 112 to perform member registration and member registration. When at least one or more of the message authentication information, user identification information authentication information, and terminal personal identification number (PIN) authentication information input by the user for authentication is authenticated, an application ID for performing electronic payment is received and payment method information. Register and handle member registration completion. Meanwhile, the terminal 110 should download the electronic payment application 112. To describe the process, the terminal 110 uses the user's selection information through the application providing device or the mobile payment through the payment gateway (PG). When the selection information is input, the electronic payment application 112 is downloaded from the application providing device and the downloaded electronic payment application is installed.

In addition, during the member registration process, the terminal 110 confirms whether the user identification information authentication information input by the user is authenticated, and if the user identification information authentication information is authenticated, the user identification information to the electronic payment device 140. After receiving the authentication procedure completion signal and receives the application ID from the electronic payment device 140, if the terminal PIN information input by the user is authenticated, and transmits the terminal PIN procedure completion signal to the electronic payment device 140, Register the payment means information input by the user, and receives the registration completion signal from the electronic payment device 140 and processes the member registration completion.

In addition, when the member registration process is completed, the main payment means is registered. To describe this, the terminal 110 transmits the payment means information selected by the user's operation or command to the electronic payment apparatus 140 and the payment means information. If is authenticated and stores the received OTP authentication key corresponding to the payment means information from the electronic payment device 140, and completes the registration of the payment means information. In this case, the terminal 110 receives the encrypted OTP authentication key from the electronic payment device 140, decrypts the encrypted OTP, and re-encrypts and stores the encrypted OTP together with information (for example, PIN information) required for authentication. Here, the payment means information includes at least one or more information of credit card information, check card information, phone bill information and financial account information. For the operation of the terminal 110, the terminal 110 uses the mounted electronic payment application 112.

That is, to register the credit card information, the terminal 110 transmits the payment means information including the credit card information as the payment means to the electronic payment device 140, any one of the company information received from the electronic payment device 140 Select the information, and payment method authentication information including at least one of phone number information, card company identification information, card alias information, card number information, card expiration information, virtual card number information, and CVC information for the selected business information; Is transmitted to the electronic payment device 140. Thereafter, the terminal 110 stores the OTP authentication key received from the electronic payment device 140 corresponding to the credit card information, which is the payment method information, and then registers the payment method information.

In addition, in order to register the phone bill information, the terminal 110 transmits the payment means information including the phone bill information as the payment means to the electronic payment device 140, the phone according to the phone bill registration request information received from the electronic payment device 140 The phone bill registration information including at least one of the number information and the electronic payment application ID information is transmitted to the payment means registration device. Thereafter, the terminal 110 stores the OTP authentication key received from the electronic payment device 140 corresponding to the phone bill information, which is payment method information, and registers the payment method information.

On the other hand, the terminal 110 may query or change the payment method. To describe this process, the terminal 110 receives the inquiry request information about the payment method information by a user's operation or command. Is transmitted to the electronic payment device 140, and transaction details confirmation information corresponding thereto is received from the electronic payment device 140. In addition, when the change request information for the payment means information is input by the user's operation or command, the terminal 110 transmits the change request information to the electronic payment device 140 and transmits the change completion information corresponding thereto. From 140.

The purchase method selection information described in this embodiment includes three cases, namely, 'agent connection', 'ARS', and 'website'.

Among these purchasing methods, the 'agent connection' method is a method of transmitting OTP information verbally after performing a voice call with an agent terminal (not shown) in the terminal 110. That is, when the user selects a call connection with the agent as one of the methods of purchasing a specific product, the user makes a phone call with the agent terminal, orally delivers the OTP information to the agent, and the agent transmits the OTP to the electronic payment device 140. The way of entering information. Among the purchase method selection information, the purchase method through 'ARS' is a method in which a user inputs DTMF according to an automatic response guide through the terminal 110 and delivers OTP information. That is, if the user selects the purchase method using `ARS` in one of the purchase methods of specific goods, the user inputs the OTP information generated through the electronic payment application 112 of the terminal 110, And the home shopping providing device 130 transmits the OTP information received from the user to the electronic settlement device 140. [

In the present embodiment, the terminal 110 drives the electronic payment application 112 by the push message received from the electronic payment device 140, the authentication information input to authenticate the payment request information by the user's operation or command Is authenticated, and transmits the selected payment method information to the electronic payment device 140, and if the payment method information is synchronized with the electronic payment device 140, generates OTP information according to the payment method information to the electronic payment device 140 And receives and displays payment completion information from the electronic payment device 140.

The electronic payment application 112 transmits the payment means information selected by the user's operation or command, and if the payment means information is authenticated, stores the received OTP authentication key corresponding to the payment means information, and then registers the payment means information. Say software. The electronic payment application 112 may be implemented or manufactured to suit various OS (Operating System) environments such as iOS, Android, and Windows Phone 7.

Meanwhile, in the present embodiment, the terminal 110 mounts the electronic payment application 112 and performs member registration. However, such an operation process may be performed only by the electronic payment application 112. That is, the electronic payment application 112 is mounted on the terminal 110 to drive the electronic payment application by the push message received from the electronic payment device 140, and to authenticate the payment request information by a user's operation or command. When the inputted authentication information is authenticated, the pre-stored payment means information is transmitted to the electronic payment device 140. When the main payment means is synchronized, OTP information about the payment means information is generated and transmitted to the electronic payment device 140. In addition, a function of receiving and displaying payment completion information from the electronic payment device 140 may be independently implemented.

The user terminal 114 is a separate device from the terminal 110, and refers to a terminal capable of receiving various web page data via the communication network 120 according to a user's key manipulation, and is a tablet PC, a laptop, a personal computer. , A smartphone, a personal portable information terminal, a mobile communication terminal, and the like, interworking with the communication network 120, a web browser for accessing the home shopping providing device 130 and a memory for storing a program, and executing a program Means a terminal equipped with a microprocessor for operation and control. That is, although the user terminal 114 is generally a personal PC, any terminal may be used as long as it is connected to the communication network 120 to enable the server-client communication with the home shopping providing apparatus 130, and a laptop computer, a mobile communication terminal, It is a broad concept that includes all communication computing devices such as PDAs.

On the other hand, the "website" purchase method of the purchase method selection information described in this embodiment will be described as follows. The user terminal 114 is a method in which a user accesses a website provided by the home shopping apparatus 130 and inputs OTP information according to the purchase method information of a specific product. That is, when the user selects the website displayed on the home shopping broadcast as a purchase method of the home shopping product while watching the home shopping broadcast through a TV, an IPTV, an internet site, or the like, the user is generated from the terminal 110 through the user terminal 114. The OTP information and the purchase means information are input to the website, and the user terminal 114 transmits the input OTP information and the purchase means information to the home shopping apparatus 130.

The communication network 120 refers to a network capable of transmitting and receiving data through an internet protocol using various wired and wireless communication technologies such as an internet network, an intranet network, a mobile communication network, and a satellite communication network. In addition, the communication network 120 includes a cloud computing network coupled with the electronic payment device 140 to store computing resources such as hardware and software, and provide computing resources required by the client to the terminal 110. can do. Here, cloud computing refers to a computer environment in which information is permanently stored on a server on the Internet and temporarily stored in client terminals such as desktops, tablet computers, laptops, netbooks, and smartphones. It refers to a computer environment access network that stores a server on the Internet and makes this information available anytime, anywhere through various IT devices. Here, the communication network 120 is preferably implemented in a form capable of transmitting image data, but is not necessarily limited thereto.

The communication network 120 may be a closed network such as a local area network (LAN), a wide area network (WAN), an open network such as the Internet, or a code division multiple access (CDMA) or wideband code division (WCDMA). It is a concept that collectively refers to networks such as Multiple Access (GSM), Global System for Mobile Communications (GSM), Long Term Evolution (LTE), and Evolved Packet Core (EPC), as well as next-generation networks and cloud computing networks.

The home shopping providing apparatus 130 transmits home shopping broadcasting through a video medium such as a TV, an IPTV, or an Internet site. In addition, when the purchase method selection information selected by the user is received from the terminal 110 and the user terminal 114, it is transmitted to the electronic payment device 140.

The home shopping providing apparatus 130 according to the present embodiment receives the purchase method selection information of the specific product selected from the user from the terminal 110 and the user terminal 114. For example, the home shopping apparatus 130 displays at least one purchase method information such as 'agent connection', 'ARS', and 'website' using a home shopping broadcast such as a TV, an IPTV, or an Internet site, and the user displays the displayed purchase. One of the method information is selected and transmitted to the home shopping apparatus 130. Here, the user selects a purchase method information of a specific product through an 'agent connection', `ARS` and` website`, and transmits OTP information corresponding to the payment method information and payment method information for electronic payment. In addition, the home shopping apparatus 130 transmits the payment means information and the OTP information to the electronic payment device 140 for the electronic payment of a specific product.

The home shopping providing apparatus 130 according to the present embodiment includes a voice call providing unit 132, an answering machine providing unit 134, and a web providing unit 136. Here, the voice call provider 132 transmits the OTP information generated through the voice call between the terminal 110 and the counselor terminal (not shown) to the electronic payment device 140. The answering machine providing unit 134 transmits the OTP information generated by the DTMF input from the terminal 110 to the electronic payment device 140, and the web providing unit 136 receives the OTP information received from the user terminal 114. Is transmitted to the electronic payment device 140.

The electronic payment device 140 is a concept of a device including at least one server of a card company server, a phone bill server, a financial institution server, a transportation institution server, and a mobile payment server that performs electronic payment. Of course, the electronic payment device 140 may be implemented as any one of a card company server, phone bill server, financial institution server, transportation agency server and mobile payment server.

The electronic payment device 140 has the same configuration as a conventional web server or network server in hardware. However, the software module includes a program module implemented in any language such as C, C ++, Java, Visual Basic, and Visual C. The electronic payment device 140 may be implemented in the form of a web server or a network server, which is generally connected to an unspecified number of clients and / or other servers through an open computer network such as the Internet, and may be a client or other web. It refers to a computer system that receives a server's task execution request and derives and provides a work result thereof, and a computer software (web server program) installed therefor. However, in addition to the above-described web server program, it should be understood as a broad concept including a series of application programs (Application Program) operating on a web server and in some cases various databases built therein. The electronic payment device 140 is a web server program that is provided in a variety of operating systems, such as DOS (DOS), Windows (Windows), Linux (UNIX), Macintosh (Macintosh) in general server hardware It can be implemented by using, and representative examples may be a website (Website) used in the Windows environment, Internet Information Server (IIS) and CERN, NCSA, APPACH used in the Unix environment.

In addition, the electronic payment device 140 may interwork with an authentication system and a payment system for member registration. In addition, the electronic payment device 140 classifies and stores membership registration information in a database, which may be implemented inside or outside the electronic payment device 140. Such a database refers to a general data structure implemented in a storage system (hard disk or memory) of a computer system using a database management program (DBMS), and can freely search (extract) data, delete data, edit data, and add data. It is a data storage type that can be used, such as relational database management systems (RDBMS) such as Oracle, Infomix, Sybase, DB2, Gemston, Orion, and O2. An object-oriented database management system (OODBMS) such as, etc. and an XML Native Database such as Excelon, Tamino, Sekaiju, etc. can be implemented for the purpose of this embodiment. It has the appropriate fields or elements to achieve its function.

The electronic payment device 140 may provide a mobile payment service by interworking with the electronic payment application 112 mounted on the terminal 110. That is, when the payment request signal is received from the electronic payment application 112 mounted on the terminal 110, the electronic payment device 140 may perform mobile payment in association with a financial institution device. On the other hand, the member registration process must be preceded before the mobile payment in the electronic payment device 140, the electronic payment device 140, the message authentication procedure completion signal, the user identification information authentication procedure completion signal from the terminal 110 And receiving at least one signal from a terminal PIN procedure completion signal, checking whether the terminal 110 is a member of the user information, assigning an application ID for performing a mobile payment, and registering the payment means information. Process member registration for the user information of 110). Here, the payment means information is credit card information. It includes at least one or more information of the check card information, Phone Bill information and financial account information.

In addition, in order to perform the mobile payment, the main payment means registration process must be preceded by the electronic payment device 140 after the member registration process is completed. For this purpose, the electronic payment device 140 is based on the payment means information received from the terminal 110. When the authentication is completed, the OTP authentication key is generated and transmitted to the terminal 110 using an external device according to the payment means information, and the payment means information is registered. At this time, the electronic payment device 140 transmits the encrypted OTP authentication key to the terminal 110. To describe the member registration process of the electronic payment device 140 in more detail, receiving payment means information from the terminal 110, generating an OTP authentication key using an external device according to the payment means information, After registering the means information transmits the OTP authentication key to the terminal 110, and controls to inquire or change the payment means information according to the request of the terminal (110).

That is, when the credit card information is registered as the main payment means, the electronic payment device 140 inquires about the payment company information according to the payment means information, but if the payment means included in the payment means information is credit card information The card company information corresponding to the payment company information is transmitted to the terminal 110. The electronic payment device 140 authenticates the validity of the payment means authentication information received from the terminal 110 by using the card company device corresponding to the card company information for validating the card when registering the credit card information. Here, the payment method authentication information includes at least one or more information among telephone number information, card company identification information, card alias information, card number information, card expiration date information, virtual card number information, and CVC information. Refers to information entered by an operation or command. In this case, the electronic payment device 140 uses at least one or more of the card alias information, the card number information, the card expiration information, the virtual card number information, the CVC information, and the identification information of the terminal 110 to the card company device for validity authentication. Send to authenticate validity. In addition, the electronic payment device 140 generates an OTP authentication key for information whose validity is authenticated by using a card company OTP providing device that interworks with a card company device to generate an OTP authentication key when registering credit card information. In addition, the electronic payment device 140 registers the payment means information when at least one or more information of the OTP authentication key, card alias information, and validity information is verified for registration of the payment means when registering the credit card information.

In addition, when registering the phone bill information as the main payment means, the electronic payment device 140 inquires the billable company information according to the payment means information, if the payment means included in the payment means information can be inquired payment The phoneville registration request information corresponding to the company information is transmitted to the terminal 110. When the electronic payment device 140 receives the phone bill registration information from the terminal 110 to generate the OTP authentication key when registering the phone bill, the OTP authentication is performed on the phone bill registration information using the carrier device 150 associated with the terminal 110. Create a key. Here, the phone bill registration information includes at least one or more of the phone number information and the electronic payment application ID information mounted on the terminal 110. In addition, the electronic payment device 140 transmits an OTP authentication request signal for the telephone number information to the communication company device 150 to generate an OTP authentication key when registering the phone bill, and transmits the corresponding OTP authentication key from the communication company device 150. Receive. In this case, the communication company device 150 generates an OTP authentication key for the payment means information by using the communication service provider OTP providing device.

On the other hand, when inquiring or changing the payment method information, the electronic payment device 140, if the inquiry request information about the payment method information from the terminal 110, the transaction history inquired through the payment mobile web server or PG web server The confirmation information is transmitted to the terminal 110. In addition, when the payment request information for the payment means information is received from the terminal 110, the electronic payment device 140 changes the payment means with the corresponding contents after reflecting the information, and transmits the change completion information to the terminal 110. .

As described above, when member registration and main payment means registration are completed, mobile payment can be performed, and hereinafter, mobile payment using credit card information will be described.

The electronic payment device 140 according to the present embodiment receives payment request information from the home shopping providing device 130 and then pays from one of the home shopping providing device 130, the terminal 110, and the user terminal 114. Receives the OTP information corresponding to the means information, payment means information, and authenticates the OTP information using an external device according to the payment means information, and then performs payment processing for the payment request information.

To describe in more detail the operation of the electronic payment device 140 according to the present embodiment, the electronic payment device 140 receives payment request information according to the purchase method selection information of a specific product from the home shopping apparatus 130 and Receiving and synchronizing payment means information from one of the devices, such as the home shopping providing device 130, the terminal 110, and the user terminal 114, and the home shopping providing device 130, the terminal 110, and the user terminal ( 114) receive OTP information corresponding to the payment means information from one of the devices, and authenticate the OTP information using at least one of the card company device 172 and the communication company device 150 according to the payment means information, When the OTP information is authenticated, the transaction approval request signal for the synchronized payment method information is transmitted to at least one or more of the card company device 172 and the communication company device 150, and the transaction approval request is transmitted. After receiving the transaction acknowledgment signal corresponding to the signal and transmits the billing information, verification completion signal to the terminal 110 or the home shopping service device 130. In addition, the electronic payment device 130 may receive and synchronize payment method information, and then search for the corresponding member by using previously stored phone number information and electronic payment application ID information.

Here, when the payment method information is credit card information, the transaction approval request signal includes at least one or more of OTP information, a business number for the home shopping providing device, virtual card number information and card alias information, and payment information. The verification complete signal includes link information for the result information page. The card alias information refers to information input by a user's operation or command. On the other hand, when the payment means information is phone bill information, the transaction approval request signal is at least one or more of OTP information, virtual card number information, phone number information for the terminal 110, terminal identification information for the terminal 110, payment information Information, and the payment information verification completion signal includes link information for the result information page.

Hereinafter, a process of processing a payment when the payment means information is the credit card information in the electronic payment device 140 will be described. In order to authenticate the OTP information, the electronic payment device 140 checks the payment means information synchronized with the terminal 110, and when the payment means information is credit card information, the card company OTP providing device interworking with the card company device 172. 174 to authenticate the OTP information, and transmits the OTP authentication request signal to the card company OTP providing device 174 and receives an OTP authentication response signal corresponding to the OTP authentication request signal to check whether the authentication of the OTP information do. In addition, when the OTP information corresponding to the credit card information is received, the electronic payment device 140 checks the carrier member information on the terminal 110 by using the carrier device 150. The electronic settlement apparatus 140 transmits an approval request signal for mobile settlement to the value added communication network 170 when the member company information of the communication company is confirmed as an authenticated member and sends an approval request signal corresponding to the approval request signal from the value- And receives a response signal. At this time, the electronic payment device 140 checks at least one or more of the phone number information, electronic payment application ID information, definition of the name and service subscription information to confirm the carrier status.

Hereinafter, a process of processing a payment when the payment means information is the phone bill information in the electronic payment device 140 will be described. When the electronic payment device 140 confirms the synchronized payment means information, and the payment means information is phone bill information, the electronic payment device 140 authenticates the OTP information by using the communication company OTP providing device 152 that interworks with the communication device 150, After the OTP authentication request signal is transmitted to the OTP providing apparatus 152, an OTP authentication response signal corresponding to the OTP authentication request signal is received to check whether the OTP information is authenticated. In addition, when the OTP information about the phone bill information is authenticated, the electronic payment device 140 transmits a transaction approval request signal for the phone bill information to the home shopping providing device 130. In addition, the electronic payment device 140 receives a transaction approval response signal corresponding to the transaction approval request signal from the phone bill proxy device interoperating with the home shopping providing device. In addition, the electronic payment device 140 performs a B / L (Black List) verification on the transaction approval request signal using the phone bill proxy device 160, and when the B / L verification is completed, the phone bill proxy device 160 is completed. Receive a transaction approval response signal corresponding to the transaction approval request signal from the network.

The electronic payment device 140 according to the present embodiment sends a push message for driving the electronic payment application 112 to the terminal 110 connected to the home shopping providing device 130. Here, the push message includes at least one message of a Short Message Service (SMS), a Multimedia Message Service (MMS), and an Internet Protocol (IP) based message. For example, the user receives one or more purchase method information and payment request information from the home shopping providing device 130 such as 'agent connection', 'ARS', and 'website', wherein the electronic payment device 140 provides home shopping. The push message may be transmitted to the terminal 110 connected to the device 130.

Meanwhile, the electronic payment device 140 may further include a cloud computing storage unit and a cloud computing unit for cloud computing. The cloud computing storage unit receives payment request information about the terminal 110 connected from the home shopping providing apparatus 130, receives and synchronizes payment means information from the terminal 110, and payment means information from the terminal 110. Receives OTP information corresponding to the authentication, and authenticates the OTP information using at least one or more of the card company device 172 and the carrier device 150 according to the payment method information, and if the OTP information is authenticated, the card company device 172 and The terminal 110 or the home shopping providing device after transmitting a transaction approval request signal for the payment means information synchronized to at least one of the communication device devices 150 and receiving a transaction approval response signal corresponding to the transaction approval request signal ( 130, a storage medium for transmitting the payment information verification completion signal, and the cloud computing unit allows the terminal 110 to store the storage medium. Allows reading and writing of data.

Value added network (VAN) 170 is a server operated by a value-added network operator and is connected between the electronic payment device 140 and the card company device 150 connected through the value-added communication network 120. For payment, relay request information for payment and transmit and receive data.

The communication company device 150 processes the basic and additional service for the location, the incoming and outgoing call processing of the subscriber, the location registration procedure, and the hand for the terminal 110 to receive the voice or data communication service in cooperation with the communication network 120. Refers to a device that performs various functions required for wireless call processing such as off procedure processing and interworking with other networks. When the telecommunication company device 150 receives a control signal to send a message authentication message from the electronic payment device 140 to register a member, the communication device device 150 sends a message authentication message to the terminal 110 in a preset message standard. In this case, the communication company device 150 may use a message center to send a message authentication message to the terminal 110 in a preset message standard. Meanwhile, the telecommunication company device 150 according to the present embodiment receives the request signal for the telecommunication company member information from the electronic payment device 140 and transmits a response signal confirming whether or not the telecommunication company member information is authenticated. To send).

The communication company OTP providing device 152 refers to a device that provides communication use OTP in association with the communication company device 150. Here, the one-time password refers to a method of generating and inputting a different password every time, rather than a fixed password, and refers to an authentication solution that can reduce the exposure of the password and the theft of the user account because the password cannot be reused. That is, the one-time password is used as a two factor method in financial sites because of its excellent security and mobility, and a hardware token or a software token (mobile OTP) generator may be separately required to use the one-time password.

The phone bill proxy device 160 basically refers to a device that performs a function of paying a communication fee of the terminal 110 in connection with the communication company device 150, and for the cost corresponding to the bill bill payment made by the terminal 110. Perform payment authorization That is, when the user of the terminal 110 requests the phone bill payment, the phone bill proxy device 160 performs a function of paying a cost corresponding to a payment request signal and authenticates information related to phone bill. Meanwhile, the phone bill proxy device 160 according to the present embodiment compares the pre-stored terminal IP B / L information, USIM B / L information, terminal identification B / L information, and parameters included in the transaction approval request signal to the B / L. Perform verification.

The card company device 172 is a server capable of performing electronic payment. The card company device 172 performs a function of paying a cost corresponding to a payment request signal for a pre-registered credit card or a check card. Authenticate In addition, the card company device 172 according to the present embodiment, the phone number information, card company identification information, card alias information, card number information, card expiration date information, virtual card number information and CVC information received from the electronic payment device 140 Authentication of payment method authentication information including at least one of the information is performed. In addition, the card company device 172 generates an OTP authentication key for the payment means information using the card company OTP providing device 174 to work with. Here, the card company OTP providing apparatus 174 refers to a device for providing a card use OTP in conjunction with the card company 172.

2 is a block diagram schematically showing the electronic payment apparatus according to the present embodiment.

The electronic payment device 140 according to the present embodiment includes a payment information receiving unit 210, an OTP information receiving unit 212, a voice receiving unit 214, an automatic response receiving unit 216, a web receiving unit 218, and a message sending unit 220. ), Payment means synchronization unit 230, OTP information authentication unit 240 and payment approval unit 250. In the present embodiment, the payment information receiving unit 210, OTP information receiving unit 212, voice receiving unit 214, answering machine receiving unit 216, web receiving unit 218, message sending unit 220, payment means synchronization unit 230 ), But described as including only the OTP information authentication unit 240 and the payment approval unit 250, which is merely illustrative of the technical idea of one embodiment of the present invention, the technology to which one embodiment of the present invention belongs Those skilled in the art will be able to apply various modifications and variations to the components included in the electronic payment device 140 without departing from the essential characteristics of one embodiment of the present invention.

The payment information receiving unit 210 receives payment request information according to purchase method selection information of a specific product from the home shopping providing apparatus 130. The OTP information receiver 212 includes a voice receiver 214, an answering machine receiver 216, and a web receiver 218. Each module included in the OTP information receiver 212 is described below. The voice receiver 214 receives the OTP information generated based on the voice call based information between the terminal 110 and the counselor terminal from the voice call provider 132 of the home shopping apparatus 130. The answering machine receiving unit 216 receives OTP information generated by the DTMF input from the terminal 110 from the answering machine providing unit 134 of the home shopping apparatus 130. The web receiving unit 218 receives OTP information from the web terminal of the home shopping providing apparatus 130 from the user terminal 114 interoperating with the web providing unit 136 of the home shopping providing apparatus 130.

The message sending unit 220 sends a push message for driving the electronic payment application 112 to the terminal 110. Here, the push message includes at least one message of SMS, MMS, and IP-based message. The payment means synchronization unit 230 receives and synchronizes payment means information from the terminal 110. In addition, the payment means synchronization unit 230 may receive and synchronize payment method information, and then search for a corresponding member using previously stored phone number information and electronic payment application ID information.

The OTP information authentication unit 240 receives the OTP information corresponding to the payment means information from the terminal 110, and uses the OTP information using at least one of the card company device 172 and the communication company device 150 according to the payment means information. Authenticate the information. On the other hand, when the payment method information is credit card information, the OTP information authentication unit 240 checks the payment method information synchronized with the terminal 110, and when the payment method information is credit card information, the card company device 172 is interlocked with Authenticate OTP information using the card company OTP providing device 174, and transmit the OTP authentication request signal to the card company OTP providing device 174, and then receive an OTP authentication response signal corresponding to the OTP authentication request signal to receive the OTP information. Check for authentication. In addition, when the OTP information corresponding to the credit card information is authenticated, the OTP information authentication unit 240 checks the carrier member information on the terminal 110 using the carrier device 150. At this time, the OTP information authentication unit 240 checks at least one or more of the phone number information, electronic payment application ID information, the definition of the name and service subscription information to confirm the carrier status. On the other hand, when the payment means information is phone bill information OTP information authentication unit 240 as a result of confirming the payment means information synchronized with the terminal 110, when the payment means information is phone bill information, a communication company that works with the communication company device 150 Authenticate OTP information using the OTP providing device 152, and transmit the OTP authentication request signal to the carrier OTP providing device 152, and then receive an OTP authentication response signal corresponding to the OTP authentication request signal to authenticate the OTP information. Check whether or not.

If the OTP information is authenticated through the OTP information authentication unit 240, the payment approval unit 250 may request a transaction approval request signal for the payment method information synchronized to at least one or more of the card company device 172 and the communication company device 150. After receiving the transaction approval response signal corresponding to the transaction approval request signal, and transmits the payment information verification completion signal to the terminal 110 or the home shopping providing device 130. On the other hand, when the payment method information is credit card information, the payment approval unit 250 transmits an approval request signal for mobile payment to the value-added communication network 170 when the carrier member information is confirmed as an authenticated member, and the value-added communication network 170 Receive an acknowledgment response signal corresponding to the acknowledgment request signal. On the other hand, if the payment method information is the phone bill information, the payment approval unit 250 transmits a transaction approval request signal for the phone bill information to the home shopping providing device 130, if the OTP information for the phone bill information is authenticated. In addition, the payment approval unit 250 receives a transaction approval response signal corresponding to the transaction approval request signal from the phone bill proxy device 160 that interworks with the home shopping providing device 130. In addition, the payment approval unit 250 performs a B / L (Black List) verification of the transaction approval request signal by using the phone bill proxy device 160, and when the B / L verification is completed, the phone bill proxy device 160 Receive a transaction approval response signal corresponding to the transaction approval request signal from the network.

3 is a block diagram schematically illustrating a terminal according to the present embodiment.

The terminal 110 according to the present embodiment includes an application driver 310, a main payment means synchronizer 320, an OTP information transmitter 330, and a payment completion processor 340. In the present embodiment, the terminal 110 is described as including only the application driver 310, main payment means synchronization unit 320, OTP information transmission unit 330 and payment completion processing unit 340, which is the As merely illustrative of the technical spirit of an embodiment, those skilled in the art to which an embodiment of the present invention belongs will be included in the terminal 110 without departing from the essential characteristics of the embodiment of the present invention. Various modifications and variations to the components to be applied will be applicable. Meanwhile, the application driver 310, the main payment means synchronizer 320, the OTP information transmitter 330, and the payment completion processor 340 implemented in FIG. 3 may be implemented as the electronic payment application 112.

The application driver 310 drives the electronic payment application by the push message received from the electronic payment device 140. That is, the application driver 310 may invoke the mounted electronic payment application 112 when receiving a push message including at least one of SMS, MMS, and IP-based messages. The main payment means synchronization unit 320 transmits the selected payment means information to the electronic payment apparatus 140 when the authentication information input for authenticating the payment request information is authenticated by a user's operation or command. The authentication information is PIN information for the electronic payment application 112.

When the payment means information is synchronized with the electronic payment device 140, the OTP information transmitter 330 generates OTP information according to the payment means information and transmits the generated OTP information to the home shopping apparatus 130. Here, to describe the process of generating the OTP information by the OTP information transmission unit 330, to perform the mobile payment, using the electronic payment application 112 to register the member registration and payment means, at the time of payment method registration The OTP authentication key according to the payment method is received, encoded and stored. Accordingly, the OTP information transmitter 330 may generate and display pre-stored OTP information according to the selected payment method, or directly transmit the same to the home shopping apparatus 130. For example, when the main payment means is synchronized, the OTP information transmitting unit 330 generates and displays OTP information about payment means information, and after checking by the user, directly to the home shopping providing apparatus 130 using the terminal 110. You can enter That is, when the payment means information is synchronized, the OTP information transmitter 330 may generate OTP information about the payment means information and directly transmit the OTP information to the home shopping apparatus 130. Here, the payment means information and the OTP information transmitted to the home shopping providing device 130 is transmitted to the electronic payment device 140, and generates payment completion information based on the transmitted payment means information and OTP information. The payment completion processing unit 340 receives and displays payment completion information from the electronic payment device 140.

4 is a flowchart illustrating an electronic payment method using home shopping according to the present embodiment.

The home shopping providing apparatus 130 receives payment request information according to at least one purchase method information selected from a 'agent connection', 'ARS', or 'website' selected from the terminal 110 or the user terminal 114 ( S410). That is, the home shopping apparatus 130 receives payment request information through a device connected to any one of a voice call provider 132, an automatic response provider 134, a web provider 136, and the like.

The electronic settlement apparatus 140 receives settlement request information according to purchase method selection information of a specific commodity from the home shopping providing apparatus 130 and drives the electronic settlement application 112 to the terminal 110 having the identified identification information (S414). Here, the identification information refers to at least one or more information of telephone number information, a mobile directory number (MDN) and an electronic serial number (ESN), and may be input from each device according to the purchase method selection information. 140 sends a push message to the terminal 110 including at least one of SMS, MMS and IP based messages to drive the electronic payment application 112.

The user inputs an OTP PIN number to the electronic payment application 112 driven through the received push message to select payment means information, and the terminal 110 transmits the selected payment means information to the electronic payment device 140 ( S416).

The electronic payment device 140 receives and synchronizes payment means information including credit card information or phone bill information, and then inquires a corresponding member using previously stored phone number information and electronic payment application ID information (S418). The user generates the OTP information through the terminal 110, and the generated terminal OTP information and the terminal 110 and the user terminal according to the purchase method information of one or more of the above-mentioned 'agent connection', 'ARS' and 'website' The home shopping apparatus 130 transmits the information to the home shopping apparatus 130 by using the 114 (S420). The home shopping providing device 130 transmits the received OTP information to the electronic payment device 140 (S422).

When the OTP information is received from the home shopping providing device 130, the electronic payment device 140 checks the carrier member information on the corresponding terminal using the communication company device 140 (S424). Meanwhile, in step S424, the electronic payment device 140 checks at least one or more information among phone number information, electronic payment application ID information, name information, and service subscription information in order to confirm the carrier status in the process of authenticating the carrier information. . In this case, when the synchronized payment means information is credit card information, the electronic payment device 140 authenticates the OTP information using the card company device 172. That is, the telecommunication company device 150 receives a request signal for the telecommunication company member information from the electronic payment device 140 and transmits a response signal confirming whether the telecommunication company member information is authenticated to the electronic payment device 140.

In FIG. 4, steps S410 to S424 are described as being sequentially executed. However, these are merely illustrative examples of the technical idea of the present embodiment. 4 may be modified and modified in various ways, such as by changing the order described in FIG. 4 or executing one or more steps of steps S410 to S424 in parallel without departing from the essential characteristics. It is not limited.

As described above, the electronic payment method using home shopping according to the present embodiment described in FIG. 4 may be implemented in a program and recorded in a computer-readable recording medium. A computer-readable recording medium having recorded thereon a program for implementing a mobile payment method according to the present embodiment includes all kinds of recording devices storing data that can be read by a computer system. Examples of such computer-readable recording media include ROM, RAM, CD-ROM, magnetic tape, floppy disk, optical data storage, etc., and also implemented in the form of a carrier wave (e.g., transmission over the Internet) . The computer readable recording medium may also be distributed over a networked computer system so that computer readable code is stored and executed in a distributed manner. Also, functional programs, codes, and code segments for implementing the present embodiment may be easily inferred by programmers in the art to which the present embodiment belongs.

5 is a flowchart illustrating a payment method when the payment means according to the present embodiment is a credit card.

When the payment means information is credit card information, the electronic payment device 140 transmits an approval request signal for mobile payment to the value added communication network 170 (S510). Thereafter, the electronic payment device 140 may receive an approval response signal corresponding to the approval request signal from the value added communication network 170. In operation S510, the electronic payment device 140 may transmit a signal indicating that the OTP information input to the terminal 110 connected to the home shopping providing device 130 has been authenticated. Here, the approval request signal includes at least one of card alias information, membership number information, identification information, OTP information, virtual card number information, and resident registration number information. In this case, the card alias information refers to information input by a user's operation or command.

When the electronic payment device 140 transmits a transaction approval request signal for the main payment means to the home shopping providing device 130, the home shopping providing device 130 sends a transaction approval request signal for the main payment means to the card company device 172. Transmit (S512). In operation S512, the electronic payment device 140 authenticates the OTP information received from the home shopping providing device 130 using the card company device 172. That is, the electronic payment device 140 checks the payment means information synchronized with the terminal 110 to authenticate the OTP information, and when the payment means information is credit card information, the card company OTP that works with the card company device 172. Authenticate OTP information using the providing device 174, and transmit the OTP authentication request signal to the card company OTP providing device 174, and then receive an OTP authentication response signal corresponding to the OTP authentication request signal to authenticate the OTP information. Check it. The card company device 172 processes the transaction approval for the transaction approval request signal received from the home shopping providing device 130 and then adds a transaction approval response signal corresponding to the transaction approval request signal 170 and the electronic payment device 140. In step S514, the home shopping apparatus 130 is transmitted to the home shopping apparatus 130 through the home shopping providing device 130. Here, the transaction approval request signal includes at least one of card alias information, virtual card number information, payment information, and OTP information.

The home shopping providing apparatus 130 transmits the payment information verification completion signal to the terminal 110 or the home shopping providing apparatus 130 (S516). In operation S516, the home shopping providing apparatus 130 receives a transaction approval response signal corresponding to the transaction approval request signal from the card company device 172, and then transmits the payment information verification completion signal to the terminal 110 or the home shopping providing apparatus 130. send. Here, the payment information verification completion signal includes link information about the result information page. The terminal 110 or the user terminal 114 receives and displays payment completion information from the home shopping apparatus 130 (S518).

In FIG. 5, steps S510 to S518 are described as being sequentially executed. However, this is merely illustrative of the technical idea of the present embodiment, and a person having ordinary knowledge in the technical field to which the present embodiment belongs may use the present embodiment. 5 may be modified and modified by changing the order described in FIG. 5 or executing one or more steps of steps S510 to S518 in parallel without departing from the essential characteristics thereof. It is not limited.

6 is a flowchart illustrating a payment method when the payment means according to the present embodiment is phoneville information.

When the payment means information is phone bill information, the electronic payment device 140 transmits a transaction approval request signal for mobile payment to the home shopping providing device 130 (S610). Here, the transaction approval request signal is OTP information, virtual card number information, phone number information for the terminal 110, terminal identification information for the terminal 110, member number information corresponding to specific user account information, specific user account information It includes at least one or more of the social security number information, payment information corresponding to. Thereafter, the electronic payment device 140 may receive a transaction approval response signal corresponding to the transaction approval request signal from the home shopping providing device 130. In operation S610, the electronic payment device 140 may transmit a signal indicating that the OTP information input to the terminal 110 connected to the home shopping providing device 130 has been authenticated.

The electronic payment device 130 transmits a transaction approval request signal for performing electronic payment using the phone bill information to the phone bill agent 150 (S612). In operation S612, the electronic payment device 140 authenticates the OTP information received from the home shopping providing device 130 using the communication company device 150. That is, when the settlement means information is the phone bill information as a result of checking the synchronized payment means information, the electronic settlement apparatus 140 authenticates the OTP information by using the communication company OTP provision apparatus 152 linked to the communication company apparatus 150 , Transmits an OTP authentication request signal to the communication company OTP provision device 152, and receives an OTP authentication response signal corresponding to the OTP authentication request signal to confirm whether the OTP information is authenticated. In addition, the electronic payment device 130 may transmit the phone number information, payment information and social security number information to the phone bill proxy device 150. The electronic payment device 130 performs a black list (B / L) verification of the transaction approval request signal through the phone bill proxy device 150. When the B / L verification is completed, the transaction is approved from the phone bill proxy device 150. A transaction approval response signal corresponding to the request signal is received (S614). In step S614, the phone bill proxy device 150 receives a transaction approval request signal from the electronic payment device 130 and stores previously stored terminal IP B / L information, USIM B / L information, terminal identification B / L information, and transaction approval request signal. The B / L verification is performed by comparing the parameters included in the parameter, and the verification result is generated as a transaction approval response signal corresponding to the transaction approval request signal and transmitted to the electronic payment device 130.

The home shopping providing apparatus 130 transmits the payment information verification completion signal to the terminal 110 (S616). In operation S616, the home shopping providing apparatus 130 receives a transaction approval response signal corresponding to the transaction approval request signal from the phoneville agency 160 and transmits a payment information verification completion signal to the terminal 110. Here, the payment information verification completion signal includes link information about the result information page. The terminal 110 receives and displays payment completion information from the electronic payment device 140 (S618).

In FIG. 6, steps S610 to S618 are described as being sequentially executed. However, this is merely illustrative of the technical idea of the present embodiment, and a person having ordinary knowledge in the technical field to which the present embodiment belongs may use the present embodiment. 6 may be modified and modified by changing the order described in FIG. 6 or executing one or more steps of steps S610 to S618 in parallel without departing from the essential characteristics thereof. It is not limited.

The foregoing description is merely illustrative of the technical idea of the present embodiment, and various modifications and changes may be made to those skilled in the art without departing from the essential characteristics of the embodiments. Therefore, the present embodiments are to be construed as illustrative rather than restrictive, and the scope of the technical idea of the present embodiment is not limited by these embodiments. The scope of protection of the present embodiment should be construed according to the following claims, and all technical ideas within the scope of equivalents thereof should be construed as being included in the scope of the present invention.

As described above, the present embodiment is applied to an electronic payment field using home shopping, and through a call with an agent, an ARS, or a web page according to a purchase method of a specific product selected by a user during the electronic payment using home shopping. It is a useful invention that generates the effect of authenticating the OTP information, thereby enabling a more secure payment.

110: terminal 112: electronic payment application
114: user terminal 120: communication network
130: home shopping providing device 132: voice call providing unit
134: automatic response provider 136: web provider
140: electronic payment device 150: carrier device
152: carrier OTP providing device 160: phoneville agency device
170: value-added network 172: card company device
174: card company OTP provision device
210: payment information receiving unit 212: OTP information receiving unit
214: voice receiver 216: automatic answer receiver
218: Web receiving unit 220: Message sending unit
230: payment method synchronization unit 240: OTP information authentication unit
250: payment authorization
310: application driver 320: main payment means synchronization unit
330: OTP information transmission unit 340: Payment completion processing unit

Claims (15)

Home shopping providing apparatus for transmitting the payment request information according to the purchase method selection information of the specific product; And
When the payment request information is received, payment method information and one time password (OTP) information corresponding to the payment method information are received from at least one or more of the terminal, the user terminal, and the home shopping providing device according to the purchase method selection information. Then, when the OTP information is authenticated using at least one device of a telecommunication company device and a card company device, an electronic payment device that performs payment processing for the payment request information.
Electronic payment system comprising a. The method of claim 1,
The home shopping providing device,
A voice call providing unit for transmitting the OTP information generated through a voice call between the terminal and an agent terminal to the electronic payment device;
An automatic response provider for transmitting the OTP information generated by DTMF (Dual Tone Multi Frequency) input from the terminal to the electronic payment device; And
Web provider for transmitting the OTP information received from the user terminal to the electronic payment device
And a payment gateway (PG) for linking to the electronic payment device according to the payment request information. A payment information receiver configured to receive payment request information according to purchase method selection information of a specific product from a home shopping providing apparatus;
An OTP information receiver configured to receive OTP information from at least one of the home shopping apparatus, the terminal, and the user terminal;
A payment means synchronization unit configured to receive and synchronize payment means information from the terminal according to the purchase method selection information;
An OTP information authentication unit for receiving OTP information corresponding to the payment means information from the OTP information receiving unit and authenticating the OTP information using at least one of a communication company apparatus and a card issuing apparatus; And
When the OTP information is authenticated, a transaction approval request signal for the synchronized payment means information is transmitted to a telecommunication company device or a card company device, and after receiving a transaction approval response signal corresponding to the transaction approval request signal, the home shopping apparatus is provided. Payment approval unit sends a payment information verification completion signal
Electronic payment device comprising a. The method of claim 3, wherein
The OTP information receiving unit,
A voice receiver interworking with a voice call provider of the home shopping apparatus;
An automatic response receiver interworking with an automatic response provider of the home shopping apparatus; And
Web receiving unit linked with the web providing unit of the home shopping providing device
Electronic payment device comprising a. The method of claim 4, wherein
The voice receiver,
And the OTP information generated based on voice call-based information between the terminal and an agent terminal from the voice call provider. The method of claim 4, wherein
The automatic response receiver,
And the OTP information generated by the DTMF input from the terminal from the answering machine. The method of claim 4, wherein
The web receiving unit,
The electronic payment device, characterized in that for receiving the OTP information from the web providing unit from a user terminal linked to the web providing unit. The method of claim 4, wherein
The OTP information receiving unit.
And the identification information of the terminal is received from at least one module of the voice call provider, the answering machine provider, and the web provider according to the purchase method selection information. The method of claim 8,
Wherein,
And at least one or more of telephone number information, MDN (Mobile Directory Numbe), and ESN (Electronic Serial Number). The method of claim 3, wherein
The OTP information authentication unit,
When the synchronized payment means information is phone bill information, the OTP information is authenticated using a communication company OTP providing device interworking with the communication company device, and after transmitting an OTP authentication request signal to the communication company OTP providing device, the OTP authentication request is performed. And receiving an OTP authentication response signal corresponding to the signal to check whether the OTP information is authenticated. The method of claim 3, wherein
The payment approval unit,
When the synchronized payment method information is phone bill information, the B / L (Black List) verification is performed on the transaction approval request signal through the phone bill agent, and when the B / L verification is completed, the phone bill agent device Receiving the transaction approval response signal corresponding to the transaction approval request signal from the electronic payment device. The method of claim 3, wherein
The OTP information authentication unit,
If the synchronized payment method information is credit card information, the OTP information is authenticated using a card company OTP providing device interoperating with the card company device, and after transmitting an OTP authentication request signal to the card company OTP providing device, the OTP authentication is performed. And receiving an OTP authentication response signal corresponding to the request signal to check whether the OTP information is authenticated. The method of claim 3, wherein
The payment approval unit,
When the synchronized payment method information is credit card information, the transaction approval request signal including at least one or more of card alias information, virtual card number information, and OTP information is transmitted to a card company device, and the card company device transmits the transaction approval request signal. And receiving the transaction approval response signal corresponding to the transaction approval request signal. The method of claim 3, wherein
A push message including at least one of a Short Message Service (SMS), a Multimedia Message Service (MMS), and an Internet Protocol (IP) -based message for driving an electronic payment application to a terminal having the identification information. Message sending department to send
Electronic payment device comprising a further. In the method for performing electronic payment using home shopping in the electronic payment device,
Receiving payment request information according to purchase method selection information of a specific product from a home shopping providing apparatus;
Receiving OTP information from at least one of the home shopping providing device, the terminal, and the user terminal;
Receiving and synchronizing payment means information from the terminal according to the purchase method selection information;
Receiving OTP information corresponding to the payment means information from the OTP information receiving unit, and authenticating the OTP information using at least one of a telecommunication company device and a card company device; And
When the OTP information is authenticated, a transaction approval request signal for the synchronized payment means information is transmitted to a telecommunication company device or a card company device, and after receiving a transaction approval response signal corresponding to the transaction approval request signal, the home shopping apparatus is provided. Process of sending payment information verification completion signal
Electronic payment method comprising a.

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