KR20130115200A - Payment channel management system - Google Patents

Abstract

PURPOSE: A payment channel managing system is provided to perform authentication about a payment medium through a user terminal when a user makes a purchase and to implement payment authorization based on authentication result information. CONSTITUTION: A payment channel managing system includes a member store system, a payment relay system (110), a payment corporation system (112), a payment channel managing server (114), a push server (116), an SMS server (118) and portable terminals (1201 to 120N). The member store system includes an offline store terminal (100), an online store service server (102), a utility billing service (104) and a billing information handwriting input unit (106). The offline store terminal installed in an offline store provides a credit transaction for selling a product and includes a payment processing module. [Reference numerals] (100) Offline store terminal; (102) Online store service server; (104) Utility billing service; (106) Billing information handwriting input unit; (110) Payment relay system (system of a VAN company or a payment company); (112) Payment corporation system (system of a card company, a financial institution, or a communication service provider); (114) Payment channel managing server; (116) Push server; (118) SMS server; (1201,120N) User device; (AA) Network; (BB) SMS message

Description

{PAYMENT CHANNEL MANAGEMENT SYSTEM}

The present invention relates to a payment channel management system using a user terminal.

With the development of technology, the specifications and functions of user terminals are exploding.

A high-performance user terminal, recently called a smart phone, is equipped with various types of application programs for accessing the Internet through a 3G network or a wireless Internet network in addition to a call function to increase the convenience of the user I have to.

In response to this trend, it has been urgently required to develop an application installed in a user terminal and capable of providing a differentiated service to a user.

Meanwhile, as the electronic commerce using the Internet is rapidly increased, the purchase rate of goods using online is increased, and various types of settlement media such as credit card or online account transfer are mixed and used.

As a result, there was a problem that the payment information of the user could be leaked at the time of payment approval through on-line or off-line, and the leaked information was also used for crime.

More specifically, personal information such as the card number and user name entered for payment approval may be delivered to the merchant at the time of online payment or handwritten payment request.

However, in the case of a malicious e-commerce company, only the personal information such as the card number and the user name of the user attempting the online settlement is sold and the virtual goods such as contents are purchased And to prevent crime.

Also, even in case of a malicious handler, it is also possible to purchase only the personal information such as the card number and the user name, or to sell or purchase virtual goods using the personal information.

Accordingly, it has been urgently required to develop a technology that can prevent the leakage of personal information of a user at the time of payment approval via on-line or off-line.

Korean Patent Publication No. 10-2004-0067372

An object of the present invention is to provide a payment channel management system that enables authentication of a payment medium through a user's terminal at the time of purchasing goods through on-off-line and enables payment approval based on the authentication result information .

It is another object of the present invention to provide a payment channel management system that enables authentication by a user himself or herself without using an accounting service such as an SMS message by performing authentication of a payment medium through a payment medium authentication application installed in a user terminal, .

Yet another object of the present invention is to provide a settlement channel management system that can help spread the mobile payment and utilize it, since the payment relay system such as the payment company or the VAN company can be prevented from being changed even when the mobile payment is applied at the merchant .

According to another aspect of the present invention, there is provided a payment channel management system including a user terminal, an affiliate shop system, and a payment agent system,

Wherein the user terminal is provided with a payment medium authentication application and when the payment medium authentication request information transmitted from the payment company system is notified, the payment medium authentication application is executed,

The merchant system transmits the settlement medium authentication request information to the settlement company system, and when receiving the payment medium authentication result information from the settlement company system, transmits the settlement approval request information to the settlement company system, And receives the approval result information,

When the payment company system receives the payment medium authentication request information from the merchant system, the payment terminal system notifies the reception of the payment medium authentication request information to the user terminal corresponding to the user terminal identification number included in the payment medium authentication request information. In connection with the payment medium 适 app to perform authentication for the payment medium selected by the user, provide the payment medium authentication result information to the merchant system, and upon receipt of payment approval request information from the merchant system, perform payment approval and payment It is desirable to provide approval result information to the merchant system.

In the payment channel management system according to the above aspect, the payment company system further comprises a payment channel management server,

The payment agent system notifies the payment channel management server of the receipt of the payment medium authentication request information,

When the payment channel authentication request information is received from the payment agent system, the payment channel management server pushes reception notification information of the payment medium authentication request information to the user terminal corresponding to the user terminal identification number included in the payment medium authentication request information, According to the request from the user terminal, it is preferable to provide the access information of the payment medium authentication page to the user terminal,

The payment medium authentication application of the user terminal accesses the payment medium authentication page according to the access information of the payment medium authentication page provided by the payment channel management server, receives and provides the payment medium authentication request information, And receives a password for authentication of the selected payment medium, and provides the payment medium selection information and a password for the input authentication to the payment agent system.

In the payment channel management system according to the above features, it is preferable that the payment channel management system further comprises a payment relay system between the affiliated administration system and the payment company system.

In the payment channel management system according to the present invention, the payment medium authentication request information may include merchant identification information, payment amount information, and a user terminal telephone number.

In the payment channel management system according to the above aspect, it is preferable that the payment medium authentication result information is encryption information for a payment medium selected by a user.

In the payment channel management system according to the above aspect, the payment medium approval request information may include merchant identification information, payment amount information, payment date, payment medium information, and payment medium authentication result information.

The settlement company system, the payment channel management server, and the user terminal store the user key information for the payment media authentication application of the user terminal,

The settlement company system is configured to notify the receipt of the settlement medium authentication request information to the payment medium authentication application of the user terminal and to provide the settlement medium authentication request information when providing the settlement medium authentication request information, Requesting the user key information when providing the payment medium selection information and the password for authentication of the selected payment medium,

Preferably, the payment channel management server generates user key information for the payment medium authentication application of the user terminal and provides the payment key to the payment agent system and the user terminal. More preferably, the information is information corresponding to a telephone number hash value for the user terminal, and is user terminal identification information.

In the payment channel management system according to the above aspect, it is preferable that the password for authentication of the selected payment medium is a predetermined personal identification message or a payment medium password.

The present invention has the effect of preventing personal information from being leaked at the time of settlement on or off-line.

In addition, the present invention performs authentication of a payment medium through an application installed in a user terminal, thereby enabling authentication by a user himself or herself without using an accounting service such as an SMS message.

In addition, the present invention can prevent the payment relay system, such as a payment company or a VAN company, from being changed even when mobile payment is applied at an affiliated store, thereby contributing to spreading and using mobile payment.

Further, since the present invention pre-authenticates a payment medium through an application installed in a user terminal, payment can be performed by simply inputting a personal confirmation message or a payment medium password, thereby significantly simplifying the payment procedure There is an effect.

Further, since the present invention performs authentication of a payment medium through an application installed in a user terminal, it is possible to facilitate use of NFC, RF card, and QR.

1 is a block diagram of a payment channel management system for implementing a payment channel management service according to a preferred embodiment of the present invention.
FIG. 2 and FIG. 3 illustrate a subscription process of a payment channel management service according to a preferred embodiment of the present invention. FIG.
4 is a view illustrating a payment channel management service subscription screen according to a preferred embodiment of the present invention.
FIG. 5 illustrates a process of providing a payment channel management service according to a preferred embodiment of the present invention. FIG.
6 is a view illustrating a payment channel management service providing screen according to a preferred embodiment of the present invention.

The present invention enables authentication of a payment medium through a portable terminal of a user at the time of purchasing goods through on-off-line, and enables settlement based on the authentication result information.

Further, the present invention performs authentication on a payment medium through an application installed in a user terminal, thereby enabling authentication by a user himself or herself without using an accounting service such as an SMS message.

Also, according to the present invention, the authentication of the user terminal and the user is performed at the time of subscription to the service, so that it is possible to perform the authentication with high reliability by simply inputting the personal confirmation message at the authentication of the payment medium.

≪ Configuration Diagram of Payment Channel Management System >

A configuration of a payment channel management system, which is a system for a payment channel management service according to a preferred embodiment of the present invention, will be described with reference to FIG.

The payment channel management system may include a franchise system, a payment relay system 110, such as an offline store terminal 100, an online store service server 102, a billing service server 104, a handwritten billing information input device 106, and the like. , Payment company system 112, payment channel management server 114, push server 116, SMS server 118, and mobile terminals (1201 ~ 120N).

The offline store terminal 100 is installed in an off-line store, provides a credit transaction for the sale of goods, and has a payment processing module. The payment processing module of the offline store terminal 100 is installed in the off-line store and generates payment medium authentication request information according to the request of the merchant shop and provides the payment medium authentication request information to the payment agent system 112 through the payment relay system 110, And provides payment approval request information including the payment medium authentication result information to the payment agent system 112 through the payment relay system 110 when the payment agent authentication result information is received from the payment agent system 112, Receives payment approval result information from the system 112, displays it, prints it, and outputs it. Here, the payment medium authentication request information includes the merchant identification information, the payment amount information, the user terminal telephone number, and the like. The payment medium authentication result information may be encryption information for a payment medium.

The online shop service server 102 provides a merchandise sale service through an online store, and has a payment processing module. The payment processing module of the online shop service server 102 generates payment medium authentication request information according to a purchase request made by a customer who visited the online store and provides the payment medium authentication request information to the payment agent system 112 through the payment relay system 110, And provides the settlement approval request information including the settlement card authentication result information to the settlement company system 112 through the settlement relay system 110 when the settlement card authentication result information is received from the settlement company system 112, And provides payment approval result information from the payment agent system 112 to the customer and stores the payment approval result information. Here, the payment medium authentication request information includes the merchant identification information, the payment amount information, the user terminal telephone number, and the like. The payment medium authentication result information may be encryption information for a payment medium.

The bills billing service server 104 provides billing and settlement services for utility bills and has a payment processing module. The billing processing module of the bill payment service server 104 generates billing-medium authentication request information according to a bill payment request made by the customer and provides the payment billing-request information to the payment agent system 112 through the payment relay system 110, And provides settlement approval request information including the settlement medium authentication result information to the settlement company system 112 through the settlement system 110 when the settlement system authentication result information is received from the system 112, And provides the payment approval result information to the customer and stores the payment approval result information. Here, the payment medium authentication request information includes the merchant identification information, the payment amount information, the user terminal telephone number, and the like. The payment medium authentication result information may be encryption information for a payment medium.

The handwriting billing information input device 106 provides a settlement service according to handwriting billing information and has a payment processing module. The payment processing module of the manual billing information input device 106 provides the payment agent authentication request information to the payment agent system 112 through the payment relay system 110 according to the input of the manual charge information, The settlement system 112 provides settlement approval request information including the settlement card authentication result information to the settlement system 112 through the settlement system 110. The settlement system 112 may be provided with settlement system authentication result information, And outputs the payment approval result information. Here, the payment medium authentication request information includes the merchant identification information, the payment amount information, the user terminal telephone number, and the like. The payment medium authentication result information may be encryption information for a payment medium.

The settlement relay system 110 is a VAN company or a payment system and includes an offline shop terminal 100, an online store service server 102, a bill billing service server 104, a manual billing information input device 106, System 112. [0033]

The payment company system 112 performs settlement approval according to payment approval request information to a credit card company, a financial institution, a communication company system, and the like, and performs a payment process according to a preferred embodiment of the present invention.

That is, when the payment agent authentication request information is received, the payment agent system 112 transmits a payment medium authentication request to the user terminal corresponding to the user terminal phone number included in the payment medium authentication request information through the payment channel management server 114 And notifies reception of information.

When the user terminal having received the payment medium authentication request information accesses the payment medium authentication page, the payment server system 112 notifies the payment medium authentication request information through the payment medium authentication page, Information and a password for authentication for the selected payment medium, and performs authentication for the provided payment medium selection information and the password for authentication of the selected payment medium. Here, the password for authentication for the selected payment medium is a pre-registered personal confirmation message or a payment medium password.

Then, the payment agent system 112 returns the payment medium authentication result information according to the authentication result to the merchant system that provided the payment medium authentication request information. The merchant system will be one of the offline store terminal 100, the online store service server 102, the bill billing service server 104, and the billing information input device 106.

Also, when the payment agent system 112 receives the payment approval request information including the merchant identification information, the amount, the date and time, the payment medium information, the payment medium authentication result information, and the like from the merchant system, And the settlement authentication result information to the offline store terminal 100, the online store service server 102, the utility bill billing service server 104 and the manual billing information input device 106). Here, the payment medium authentication result information may be encryption information for a payment medium.

When the payment channel authentication request information provided from the payment agent system 112 is received, the payment channel management server 114 transmits the payment channel authentication request information corresponding to the user terminal telephone number included in the payment medium authentication request information through the push server 116 Pushing the reception notification information of the payment medium authentication request information to the user terminal and providing the connection information to the payment medium authentication page to the user terminal when the user terminal requests the payment medium authentication request information according to the reception notification . The payment medium authentication page guides the payment medium authentication request information, selects a payment medium, and inputs a password for authentication of the selected payment medium. Here, the password for authentication of the selected payment medium is a preset personal confirmation message or a payment medium password.

The push server 116 pushes the reception notification information of the payment medium authentication request information to the corresponding user terminal according to a request of the payment channel management server 114. [

The SMS server 118 transmits an SMS message to the corresponding user terminal at the request of the payment channel management server 114.

One of the user terminals 1021 to 102N performs membership through the web according to the preferred embodiment of the present invention or installs a payment media authentication application according to a preferred embodiment of the present invention.

The payment media authentication application installed in the user terminal is executed according to a reception notification of the execution request of the user or the payment medium authentication request information, and requests the access information to the payment medium authentication page. Here, the payment medium authentication page may access the payment channel management server 114 according to a request of the user, guide the payment medium authentication request information, select a payment medium, and perform authentication for the selected payment medium And a password for inputting a password.

When the payment channel management server 114 provides the connection information for the payment medium authentication page according to the request, the payment medium authentication application accesses the payment medium authentication page of the payment server system 112 according to the connection information . The payment media authentication application receives and provides the payment medium authentication request information through the payment medium authentication page, selects a payment medium from the user, receives a password for authentication of the selected payment medium And transmits the provided payment medium selection information and a password for authentication to the selected payment medium to the payment company system 112. Here, the password for authentication for the selected payment medium is a pre-registered personal confirmation message or a payment medium password.

<Payment channel management method>

Now, a method of managing a payment channel according to a preferred embodiment of the present invention applicable to the above system will be described in detail.

<Web subscription>

A web subscription process for managing a payment channel according to a preferred embodiment of the present invention will be described with reference to the flowchart of FIG.

Web subscription for managing the payment channel can be performed through a user terminal such as a personal computer or a portable terminal capable of web access. Hereinafter, a user terminal connected through a web on the basis of the description is referred to as a first user terminal, and a user terminal connected through an application is referred to as a second user terminal. The first and second user terminals are classified into a personal computer, Or may be a single smartphone capable of accessing via the web and an app.

The first user terminal transmits the service application request information to the payment agent system 112 according to the service application request of the user (operation 200).

When the service request information is received, the payment server system 112 provides a web signup page as shown in (a) of FIG. 4, and transmits the terms and agreement information on the service of the present invention to the first user terminal (Step 202 and 204).

The user provides the agreement result (agreement) to the payment company system 112 through the first user terminal according to the guide of the service agreement and the agreement information on the service in operation 206.

The settlement company system 112 provided with the result of the consent (agreement) guides the input of user information such as the identification information, the user terminal telephone number, and the settlement medium information as shown in FIG. 4 (b) In addition, a QR code for installing a payment medium authentication application is provided to the first user terminal and the user is informed of the QR code (step 208). Herein, the first user terminal displays the QR code and installs the payment media authentication web through the second user terminal, and the app installation using the QR code is known, and a detailed description thereof will be omitted.

The user who has been informed of the identification and payment medium information input provides the identification information, payment medium information, and user terminal phone number to the payment agent system 112 through the first user terminal (step 210).

The payment agent system 112 stores user information such as the payment medium information and the user terminal phone number, and requests the payment channel management server 114 to authenticate the second user terminal in step 212. In response to the second user terminal authentication request, the payment channel management server 114 transmits an SMS message including the user terminal authentication number for the second user terminal to the corresponding second user terminal through the SMS server 118 Step 214), the second user terminal receives and displays the SMS message (Step 216). Also, the payment channel management server 114 provides the user terminal authentication number for the second user terminal to the payment company system 112 (Step 218).

Then, the payment agent system 112 provides the user terminal authentication number for the second user terminal transmitted through the SMS message through the web signup page shown in (b) of FIG. 4 displayed on the first user terminal In step 220, authentication is performed on the second user terminal by comparing the user terminal authentication number provided by the payment channel management server 214 with the user terminal authentication number provided through the web signup page, To the first user terminal (step 222).

Then, the payment agent system 112 generates a phone number hash value for the second user terminal (step 224), and requests the payment channel management server 114 for user key information corresponding to the phone number hash value (Step 226). The user key information is given by an application subscription through the second user terminal. The user key information is notified of the reception of the payment medium authentication request information by the payment medium authentication application of the second user terminal, and the payment medium authentication request information is provided Payment medium selection information for settlement of payment medium authentication request information, and second user terminal identification information required when providing the personal confirmation message or payment medium password.

In step 228, the payment channel management server 114 returns the user key information about the user terminal that has completed the application subscription procedure to the payment server system 112 according to the request.

Upon receipt of the user key information, the payment server system 112 additionally stores the user key information in the user information for the corresponding user, and stores the personal verification message or the payment medium password registration as shown in FIG. 4 (c) Page to the first user terminal (step 230). The user inputs the personal verification message or the payment medium password through the personal verification message or the payment medium password registration page and transmits the personal verification message or the payment medium password to the payment server system 112 in operation 222. Here, the personal identification message or the payment medium password is a password for authentication of the payment medium.

In addition, a window for inputting an encryption code for preventing phishing of a password for authentication of a payment medium is provided in the web signup page, and a user can use the window to prevent phishing of a password for authentication of a payment medium And can input the encryption code and provide it to the payment company system 112. Here, the password for authentication of the payment medium is an individual confirmation message or a payment medium password.

The payment agent system 112 additionally stores a password for authentication of the payment medium in the user information (step 234).

This completes the service subscription via the web.

User information is recorded in the payment company system 112 through the service subscription through the web, and the user information includes user personal information, one or more payment medium information, a user terminal phone number, user key information, authentication for a payment medium And anti-phishing encryption information. In addition, the user information includes payment medium authentication request information provided from the merchant system or the terminal, and the payment medium authentication request information includes identification information, amount information, and date information for the merchant system or the terminal.

<Service subscription through app>

Now, a process of subscribing to a payment media authentication application for managing a payment channel according to a preferred embodiment of the present invention will be described with reference to the flowchart of FIG.

The second user terminal requests the push server 116 to grant the device token when the installation of the payment media authentication application through the app market is requested or the QR code for installing the payment media authentication application is read and the payment media authentication application is installed (Steps 300 and 304).

The push server 116 generates a device token for communication with the second user terminal and returns the device token to the second user terminal according to the request to grant the device token (operation 306).

If the device token is provided, the second user terminal generates app subscription information by combining the user terminal telephone number hash value, device type, and device token information, and transmits the app subscription information to the payment channel management server 114 (Step 308).

The payment channel management server 114 stores the phone number hash value, the device type, and the device token information included in the app subscription information, and also generates user key information for the corresponding second user terminal, And transmits the user key information to the second user terminal in step 312 in addition to the additional storage box.

The second user terminal additionally stores the user key information provided by the payment channel management server 114 in the app subscription information (step 314).

Thus, the app subscription procedure according to the present invention is completed.

App subscription information for the user is stored in the second user terminal and the payment channel management server 114 through the app subscription procedure. The app subscription information includes a phone number hash value, a device type, a device token information, Key information, and the like.

<Payment channel management service>

The payment channel management process according to the preferred embodiment of the present invention, which is performed after completing the web and app subscription procedure as described above, will be described in detail with reference to FIG.

A payment medium authentication for requesting a payment medium authentication from a merchant system such as the offline store terminal 100, the online store service server 102, the utility billing service server 104, and the manual billing information input device 106 When the request information is received (step 400), the payment agent system 112 stores the payment medium authentication request information, and then transmits the payment medium authentication request information to the second user terminal Information, that is, a telephone number, to the merchant system or the merchant terminal (step 402).

The merchant system transmits the first payment medium authentication page access information to the first user terminal requesting settlement and transmits a telephone number for the second user terminal for transmitting the payment medium authentication request information to the user of the first user terminal . In accordance with this guidance, the user of the first user terminal enters a telephone number for the second user terminal, and the telephone number is provided to the payment processor system 112.

Also, the franchisee terminal guides the user of the merchant store to input the telephone number of the second user terminal for transmitting the payment medium authentication request information. According to the guide, the user of the merchant terminal inputs the telephone number of the second user terminal, and the telephone number is provided to the payment company system 112 (404, 406). Here, the first payment medium authentication page may be configured as illustrated in (a), (b), and (d) of FIG. The first payment medium authentication page shown in FIG. 6A includes not only the merchant identification information and the amount information but also a phone number input window for the second user terminal. In FIG. 6B, The first payment medium authentication page shown in FIG. 6D is a screen to guide the user to wait while the payment medium authentication is performed through the second user terminal. The first payment medium authentication page shown in FIG. 6D is displayed on the second user terminal It is a screen to notify that the payment medium authentication is completed.

If the telephone number of the second user terminal is provided from the first user terminal or the merchant terminal, the payment company system 112 reads the user key information corresponding to the received user terminal telephone number from the user information registered in advance The payment channel authentication request information is additionally stored in the user information corresponding to the corresponding user key information and is transmitted to the user terminal included in the user information through the payment channel management server 114 Connection information is transmitted (step 408).

In step 410, the payment channel management server 114 notifies the second user terminal of the receipt of the payment medium authentication request information corresponding to the user key information added to the access information for the second payment medium authentication page. The notification of receipt of the payment medium authentication request information is made through the push server 116 (step 412).

The payment media authentication application of the second user terminal operates according to the reception notification of the payment media authentication request information (steps 414 and 418), and the payment media authentication application of the second user terminal transmits the payment media authentication request to the payment channel management server 114 Request authentication request information. In response to the request, the payment channel management server 114 transmits the access information for the second payment medium authentication page to the payment medium authentication application of the second user terminal (step 422).

The payment agent authentication application accesses the second payment medium authentication page according to the access information for the second payment medium authentication page (step 424), and the payment server system 112 accesses the second payment medium authentication page , Guidance for the payment medium authentication request information through the second payment medium authentication page as well as selecting one of the one or more payment media and inputting a password for authentication of the selected payment medium (426, 428, ). The password for authentication of the payment medium is a preset personal identification message or a payment medium password.

According to the guidance, the user of the second user terminal selects one or more payment media and inputs a password for authentication of the selected payment medium. The payment agent authentication application of the second user terminal transmits the payment medium selection information and the password for authentication of the selected payment medium to the payment agent system 112 in operation 430. Here, the at least one payment medium includes at least one payment medium registered in the payment company system 112 and a payment medium registered at the user terminal.

When the payment agent selection information and the password for authentication of the selected payment medium are provided, the payment agent system 112 performs authentication for the payment medium selection information and the password for authentication of the payment medium (step 432 The authentication result information for the authentication is returned to the affiliate store system or the affiliate store terminal corresponding to the affiliate store identification information included in the payment medium authentication request information in operation 434. [ Here, the password for authentication of the selected payment medium is a personal confirmation message or a payment medium password.

The merchant system or the merchant terminal transmits payment approval request information to the payment company system 112 using the authentication result for the payment medium and receives payment approval result information from the payment company system 112 The process is completed (step 436).

In the preferred embodiment of the present invention, only the request for authentication of the payment medium is transmitted to the user terminal through the payment channel management server and the push server. However, requesting authentication of the payment medium by the user terminal is an additional function of the payment system And it is also apparent that the present invention can be implemented.

In addition, in the preferred embodiment of the present invention, the payment channel management server and the push server are separated from each other. However, it is also apparent that the functions of the two servers may be provided in one server.

The payment channel management system according to the present invention can be widely used in a payment system in an on-line or off-line market.

100 ~ 106: Merchant system
112: Payment System
114: Payment channel management server
116: Push server
1201 to 120N:

Claims (11)

A payment channel management system comprising a user terminal, a merchant system, and a payment agent system,
The user terminal comprises:
A payment medium authentication application is installed, and when the payment medium authentication request information transmitted from the payment company system is notified, the payment medium authentication application is executed.
The franchisee system comprises:
When receiving payment medium authentication result information from the payment company system, transmits payment approval request information to the payment company system and receives payment approval result information from the payment company system .
The payment company system comprises:
When the payment medium authentication request information is received from the merchant system, the user terminal corresponding to the user terminal phone number included in the payment medium authentication request information is notified of the reception of the payment medium authentication request information, and linked with the payment medium authentication app of the user terminal. And perform authentication for the payment medium selected by the user, provide payment medium authentication result information to the merchant system, and upon receipt of payment approval request information from the merchant system, perform payment approval and receive payment approval result information from the merchant system. Payment channel management system, characterized in that provided by.
The system of claim 1, wherein the settlement company system further comprises a settlement channel management server,
The payment agent system notifies the payment channel management server of the receipt of the payment medium authentication request information,
When the payment channel authentication request information is received from the payment agent system, the payment channel management server notifies reception of the payment medium authentication request information to the user terminal corresponding to the user terminal phone number included in the payment medium authentication request information, And provides the access information of the payment medium authentication page to the payment channel management system.
3. The method of claim 2, wherein the payment media authentication application of the user terminal
According to the access information of the payment medium authentication page provided from the payment channel management server, access to the payment medium authentication page of the payment company system, receive and guide the payment medium authentication request information, select a payment medium from the user, and select the selected payment Receiving a password for authentication for the medium, the payment channel management system, characterized in that providing the payment medium selection information and the password for the input authentication to the payment company system.
The payment channel management system of claim 1, wherein the payment channel management system further comprises a payment relay system between the affiliated administration system and the payment company system.
5. The payment channel management system according to any one of claims 1 to 4, wherein the payment medium authentication request information includes merchant identification information, payment amount information, and a user terminal telephone number.
5. The payment channel management system according to any one of claims 1 to 4, wherein the payment medium authentication result information is encryption information for a payment medium.
The payment channel according to any one of claims 1 to 4, wherein the payment medium approval request information includes affiliated store identification information, payment amount information, payment date and time, payment medium information, and payment medium authentication result information. Management system.
The system of claim 2, wherein the payment agent system, the payment channel management server, and the user terminal store user key information for a payment media authentication application of the user terminal,
The payment agent system may further include a payment agent authentication application for providing the payment agent authentication request information to the payment agent authentication application of the user terminal, And the user key information together with the user key information.
9. The payment channel management system of claim 8, wherein the payment channel management server generates user key information for a payment medium authentication application of the user terminal and provides the payment key system to the payment company system and the user terminal.
The system of claim 8, wherein the user key information for the payment media authentication application of the user terminal is information corresponding to a phone number hash value for the user terminal, and is user terminal identification information.
The payment channel management system according to any one of claims 3 and 8, wherein the password for authentication of the payment medium is a preset personal identification message or a payment medium password.

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