KR20170011339A - Apparatus and method for simple payment - Google Patents

Apparatus and method for simple payment Download PDF

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Publication number
KR20170011339A
KR20170011339A KR1020150103816A KR20150103816A KR20170011339A KR 20170011339 A KR20170011339 A KR 20170011339A KR 1020150103816 A KR1020150103816 A KR 1020150103816A KR 20150103816 A KR20150103816 A KR 20150103816A KR 20170011339 A KR20170011339 A KR 20170011339A
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KR
South Korea
Prior art keywords
authentication information
card
terminal
authentication
payment
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KR1020150103816A
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Korean (ko)
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KR101713425B1 (en
Inventor
허혜영
장철운
백성철
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주식회사 엘지유플러스
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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • G06Q20/3227—Aspects of commerce using mobile devices [M-devices] using secure elements embedded in M-devices
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/353—Payments by cards read by M-devices
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3821—Electronic credentials
    • G06Q20/38215—Use of certificates or encrypted proofs of transaction rights

Abstract

The present invention relates to an apparatus and a method for simple settlement. A simple settlement method according to the present invention is characterized in that when a settlement processing system receives a settlement request signal including a buyer's telephone number and payment details from a seller terminal, the settlement processing system sends an authentication request signal for the settlement details to the buyer terminal using the buyer's telephone number Transmitting; The settlement processing system performs authentication processing for comparing the terminal authentication information and the card authentication information received according to the authentication request signal from the purchaser terminal with registered authentication information previously registered, Wherein the terminal authentication information is authentication information stored in the purchaser terminal itself and the card authentication information is authentication information stored in an IC card mounted on the purchaser terminal, And the buyer terminal is the information received from the IC card as the touch input of the user is detected corresponding to the authentication request signal for the payment details.

Figure P1020150103816

Description

[0001] APPARATUS AND METHOD FOR SIMPLE PAYMENT [0002]

The present invention relates to an apparatus and a method for simple settlement, and more particularly, to an apparatus and a method for simple settlement in which settlement is performed without providing personal information of a buyer except a telephone number to a seller.

Recently, a micropayment using a user terminal such as a mobile phone has been increasing. In the case of a micropayment using such a user terminal, an SMS occupancy authentication method for transmitting an authentication number to a user terminal through a short message service (SMS) and inputting an authentication number received by a user into a payment window is used.

However, in the conventional method, it is troublesome to input the authentication number received by the user into the payment window of a computer or the like again.

In addition, recent malicious attacks such as smishing are increasing. When malicious attacks are detected through smsing, malicious codes are installed on smart phones. When SMS occupation authentication is used, SMS There is a problem that the authentication number transmitted through the mobile phone can also be seized with the resident registration number or the like inputted by the user.

On the other hand, there is a problem that when the payment customers inform the seller of the personal information such as the card number or the resident registration number for payment, the personal information is likely to be abused by the seller. There is a demand for the presentation of the room.

Published Patent No. 10-2003-0037399

Disclosure of Invention Technical Problem [8] The present invention has been made to solve the above-mentioned problems of the related art and to provide a device and method for minimizing exposure of personal information of a purchaser and facilitating settlement without a cumbersome process. .

In order to achieve the above-mentioned object, a simple payment method according to the present invention is a simple payment method according to the present invention, wherein when a payment request signal including a buyer's telephone number and payment details is received from a seller terminal, Transmitting an authentication request signal for the history; The settlement processing system performs authentication processing for comparing the terminal authentication information and the card authentication information received according to the authentication request signal from the purchaser terminal with registered authentication information previously registered, Wherein the terminal authentication information is authentication information stored in the purchaser terminal itself and the card authentication information is authentication information stored in an IC card mounted on the purchaser terminal, And the buyer terminal is the information received from the IC card as the touch input of the user is detected corresponding to the authentication request signal for the payment details.

According to another aspect of the present invention, there is provided a control method for a communication terminal, comprising: receiving an authentication request signal from an authentication processing server and displaying a payment history according to the authentication request signal; Acquiring card authentication information through communication with a pre-installed IC card when a touch input of the user is sensed; And transmitting an authentication response signal including both the established terminal authentication information and the card authentication information acquired in the step (b) to the payment processing system.

In order to achieve the above object, a communication terminal according to the present invention includes: a storage unit storing terminal authentication information; A receiving unit for receiving an authentication request signal from an authentication processing server; A display unit for displaying payment details according to an authentication request signal received at the receiving unit; A touch input unit for sensing a touch input of a user; An information acquiring unit acquiring card authentication information through communication with a pre-installed IC card when the touch input of the user is sensed in the touch input unit, and extracting terminal authentication information from the storage unit; And an authentication response unit for transmitting an authentication response signal including both the terminal authentication information extracted by the information acquisition unit and the acquired card authentication information to the payment processing system.

INDUSTRIAL APPLICABILITY As described above, according to the present invention, only the mobile phone number of the purchaser can be informed to the seller, and payment processing can be performed even if other personal information is not informed.

In addition, since the purchaser can make a settlement process for a specific settlement history by touch input on his / her communication terminal, the settlement process becomes considerably easier, and a process of re-inputting another authentication character is unnecessary.

In particular, the authentication server performs authentication processing using both the terminal authentication information and the card authentication information, so that when a user who acquires the USIM card through a non-normal path mounts a corresponding USIM card in his / Can be prevented in advance.

1 is a schematic configuration diagram of an entire communication system including a communication terminal according to an embodiment of the present invention,
Fig. 2 is a functional block diagram of the communication terminal (buyer terminal) of Fig. 1,
3 is a diagram illustrating a process in which a communication terminal registers authentication information in an authentication server according to an embodiment of the present invention,
4 is a control flowchart of an overall communication system including a communication terminal according to an embodiment of the present invention.

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

Hereinafter, embodiments of the present invention will be described in order to facilitate understanding of the present invention, and the present invention is not limited to these embodiments. In particular, the present invention can be configured by combining at least any one of individual components, individual functions, or individual steps included in each embodiment.

Hereinafter, each signal referred to in the embodiments of the present invention may refer to one signal transmitted by one connection or the like, but may also mean a series of signals transmitted for the purpose of performing a specific function . That is, in each embodiment, a plurality of signals transmitted after a predetermined time interval or after receiving a response signal from the counterpart device can be represented by a single signal name for convenience.

A schematic configuration of an overall system including a purchaser's communication terminal according to an embodiment of the present invention is as shown in FIG.

As shown in the figure, the overall system includes a seller terminal 300, a payment processing system 200, and a purchaser terminal 100.

The seller terminal 300 is a terminal operated by the seller or communicating with the purchaser terminal 100 at a short distance, and may be a point-of-sale (POS) terminal provided in the merchant as well as the personal computer or smartphone of the seller .

The seller terminal 300 performs a function of transmitting the buyer's telephone number received from the buyer terminal 100 by short-distance communication or manually entered by the seller to the payment processing system 200.

At this time, the seller terminal 300 can transmit the payment history together with the buyer's telephone number to the payment processing system 200. For example, when the buyer purchases goods or services, the payment history includes goods or service prices, .

The seller terminal 300 may also perform a function of displaying a payment processing result received from the payment processing system 200. [ For example, when a message corresponding to payment success or payment failure is received from the payment processing system 200, the seller terminal 300 can display the received payment processing result message.

The payment processing system 200 communicates with the seller terminal 300 and the purchaser terminal 100 to perform payment processing. As shown in FIG. 1, the payment processing system 200 includes a payment server 210 for performing a function payment processing, And the authentication server 220 performing the payment processing. As another example, the payment processing system 200 may be a single physical server.

For example, when the authentication information registration request signal including the terminal authentication information and the card authentication information is received from the purchaser terminal 100, the payment processing system 200 The payment processing system 200 can match the terminal authentication information included in the authentication information registration request signal and the card authentication information.

Here, the terminal authentication information may be authentication information stored in the purchaser terminal 100 itself, for example, information including a Cellular Telephone Number (CTN) and an International Mobile Equipment Identity (IMEI) If the IC card 101 mounted on the purchaser terminal 100 is a Universal Subscriber Identity Module (USIM) card, the card authentication information is a UICC (Universal IC card) ID (Identification) and International Mobile Subscriber Identity (IMSI).

Accordingly, the settlement processing system 200 can register the CTN, the IMEI, the UICC ID, and the IMSI received from the purchaser terminal 100 in advance. At this time, the matching information of the previously registered CTN, IMEI, UICC ID, and IMSI may be referred to as 'registered authentication information'.

On the other hand, when the settlement processing system 200 receives the settlement request signal including the buyer's telephone number and the settlement history from the seller terminal 300, the settlement processing system 200 transmits the settlement request signal to the buyer terminal 100 using the buyer's telephone number included in the settlement request signal And transmits an authentication request signal for the history.

At this time, the settlement processing system 200 may transmit the payment details included in the settlement request signal to the buyer terminal 100.

Thereafter, the payment processing system 200 performs authentication processing using various authentication information received from the purchaser terminal 100. For example, the payment processing system 200 may include the terminal authentication information and the card authentication information received from the purchaser terminal 100, It is possible to perform an authentication process for comparing the registered authentication information.

As a result of this authentication processing, that is, when the terminal authentication information and the card authentication information received from the purchaser terminal 100 are compared with the previously registered registration authentication information, the payment processing system 200 responds to the purchaser's telephone number And performs a function to control the payment to be performed.

For example, the payment processing system 200 may control the mobile phone settlement corresponding to the purchaser's phone number to be processed, or may control the already-registered credit card settlement corresponding to the purchaser's phone number.

In this case, the payment processing system 200 can process the mobile phone payment in connection with the mobile communication company system. For example, the payment processing system 200 transmits the purchaser CTN and the authentication result to the mobile communication company system, Can be achieved.

Also, the payment processing system 200 can process the credit card payment in connection with the financial system. For example, when the credit card number (valid period (Including the CVS number, etc.)). When the credit card number is registered by matching with the various authentication information of the purchaser terminal 100, the matching credit card number (including the valid period, CVS number, etc.) And send the result to the financial system so that the credit card payment is processed.

As another example, after the settlement processing system 200 transmits an authentication request signal for the payment details to the purchaser terminal 100, no response is returned within a predetermined time (for example, 20 seconds) from the purchaser terminal 100 Or if the authentication information and the authentication information are not received, the payment can be canceled.

For example, in a situation where the buyer terminal 100 is powered off or a temporary failure occurs and the buyer can not perform a touch operation, which will be described later, the payment processing system 200 does not maintain the standby state, A process of deleting the corresponding payment session or transmitting an error occurrence message to the purchaser terminal, and the like.

On the other hand, the purchaser terminal 100 is a terminal operated by a purchaser who purchases a commodity or a service, and may be a communication terminal such as a cellular phone or a smart phone, but there is no limitation to the type.

The purchaser terminal 100 communicates with the settlement processing system 200 to allow easy settlement. In addition, the purchaser terminal 100 may perform a short distance communication with the seller terminal 300 to provide the purchaser's telephone number. However, providing the predetermined information by performing the short distance communication with the surrounding apparatus is not limited to the known technology A detailed description thereof will be omitted.

An IC card 101 may be mounted on the purchaser's terminal 100 according to the present invention. The IC card 101 mounted on the purchaser's terminal 100 may be a USIM card 101, for example. The IC card 101 can be selectively attached to or removed from the purchaser terminal 100.

An example of the function block of the buyer terminal 100 is shown in FIG.

As shown in the figure, the purchaser terminal 100 includes a storage unit 110, a receiving unit 120, a display unit 130, an input unit 140, an information obtaining unit 150, an authentication answering unit 160, 170, and a registration request unit 180.

The terminal authentication information is information for authenticating the purchaser terminal 100 itself in the payment processing system 200 as described above. For example, the terminal authentication information includes a CTN IMEI. ≪ / RTI >

The receiving unit 120 receives various information or a request signal from the authentication processing server and can receive an authentication request signal for easy payment. The authentication request signal includes a price for the goods or services purchased by the purchaser, And the like.

The display unit 130 displays a payment history corresponding to the received authentication request signal in the receiving unit 120. [ For example, the display unit 130 may display the goods or service purchase price or merchant information included in the authentication request signal. The display unit 130 may include a liquid crystal display (LCD) having low power consumption. Further, the display unit 130 may be configured as a touch screen combined with a touch pad for sensing a user's touch input .

In particular, the display unit 130 may display a payment push button and a cancel button in the form of an app push according to an authentication request signal.

Here, the payment progress button is a button that the user must select to proceed with the payment, and the cancel button is a button that the user must select to stop the payment progress.

For example, the input unit 140 may be configured to detect a selection of an installed physical button (not shown). In particular, in this embodiment, a touch input unit (140) as an example.

The registration request unit 180 acquires the card authentication information through communication with the previously installed IC card 101 in response to the authentication information registration request of the user and transmits the terminal authentication information stored in the storage unit 110 to the IC card 101 And transmits the authentication information registration request signal including all of the card authentication information acquired from the payment processing system 200 to the payment processing system 200.

According to the registration of the authentication information, the payment processing system 200 can perform authentication processing on the card authentication information and the terminal authentication information transmitted from the purchaser terminal 100 as described above.

The registering unit 170 registers and stores predetermined drag trajectory information in the storage unit 110 at the request of the user of the purchaser terminal 100. Drag trajectory information registered and stored in the storage unit 110 can be used to determine whether the touch input of the user is input by an authorized user as described later.

The information obtaining unit 150 obtains the card authentication information through communication with the preinstalled IC card 101 when the touch input of the user is detected in the touch input unit 140 and extracts the terminal authentication information from the storage unit 110 .

That is, the buyer terminal 100 can be equipped with the IC card 101 as described above. The information acquiring unit 150 communicates with the IC card 101, Information is received.

To this end, the information obtaining unit 150 may include a predetermined contact point (not shown) for contacting the IC card 101 for communication with the IC card 101. [

If the IC card 101 is a Universal Subscriber Identity Module (USIM) card, the card authentication information acquired from the USIM may be a UICC ID and an IMSI. And the terminal authentication information may be a CTN and an IMEI.

The information obtaining unit 150 can perform a kind of verification in acquiring the card authentication information from the IC card 101. [ For example, the information acquiring unit 150 performs communication with the installed IC card 101 only when the touch drag input by the user corresponds to drag trajectory information registered in the storage unit 110, The card authentication information can be obtained from the card 101. [

The information acquisition unit 150 may drive a specific application and control the card authentication information to be acquired through communication with the IC card by the driven specific application.

That is, the information acquiring unit 150 drives the specific application installed when the touch input of the user for the above-mentioned payment proceeding button is detected, and transmits the card authentication information through communication with the IC card by the specific application .

The authentication response unit 160 transmits an authentication response signal including both the terminal authentication information extracted by the information obtaining unit 150 to the storage unit 110 and the card authentication information acquired through communication with the IC card 101, (200).

The payment processing system 200 compares the registered authentication information with the previously registered registration authentication information using the card authentication information and the terminal authentication information transmitted by the authentication response unit 160 as described above.

Hereinafter, a process of registering predetermined authentication information in the authentication server 220 in the purchaser terminal 100 will be described step by step with reference to FIG.

In this embodiment, a predetermined payment processing application is installed in the purchaser terminal 100, and the payment processing application communicates with the IC card 101 as an example.

The buyer terminal 100 executes the payment processing application according to the user's selection (step S1).

The payment processing application displays a birth date input window when there is an authentication information registration request of the user (step S3) (step S5).

When the date of birth is input by the user (step S7), the payment processing application extracts the terminal authentication information from the storage unit 110 of the purchaser terminal 100 (step S9).

Then, the payment processing application communicates with the IC card 101 mounted on the purchaser terminal 100 to acquire the card authentication information (step S11).

Then, the payment processing application sends an authentication information registration request signal including the date of birth entered by the user, the terminal authentication information extracted from the storage unit 110, and the card authentication information received from the IC card 101 to the authentication server 220 (Step S13).

Accordingly, the authentication server 220 compares at least any one of the date of birth, the terminal authentication information, and the card authentication information received from the purchaser terminal 100 with the previously registered member information, and if it matches, the terminal authentication information and the card authentication information It can be registered by matching.

Preferably, the authentication server 220 compares the received date of birth and the card authentication information with pre-registered member information, and if they match, the authentication server 220 can match and register the terminal authentication information and the card authentication information.

If the user simultaneously purchases the USIM card 101 and the communication terminal 100 without the separate authentication information registration process, the card authentication information included in the USIM card 101 in the mobile communication company is included in the communication terminal 100 The terminal authentication information may be registered in advance.

FIG. 4 is a flowchart illustrating an overall process of settlement processing in a communication system including a purchaser terminal 100 according to an embodiment of the present invention.

In describing the present embodiment, the authentication server 220 has an example in which the registration authentication information is stored in advance in the process of FIG. 3 or by the mobile communication company manager or the like (step S21).

When the seller's telephone number and payment details are input by the seller or the like to the seller terminal 300 (step S22), the seller terminal 300 transmits a payment request signal including the buyer's telephone number and payment details to the payment server 210 (Step S23).

The payment server 210 transmits an authentication request signal including the buyer's telephone number and payment details included in the payment request signal to the authentication server 220 (step S25).

The authentication server 220 transmits an authentication request signal including the payment details to the buyer terminal 100 using the buyer's telephone number received from the payment server 210 (step S27).

Here, the authentication request signal transmitted from the authentication server 220 to the purchaser terminal 100 may be a kind of push message.

Here, the push message may be a message to be provided even if there is no request from the purchaser terminal 100, and in particular, the push message may include a code for allowing a specific application or an application to be automatically executed by the purchaser terminal 100.

Upon receiving the authentication request signal from the authentication server 220, the purchaser terminal 100 displays the payment details (step S29), and waits for confirmation by the user. The function performed by the buyer terminal 100 may be performed by an application or an application automatically executed according to an automatic execution code included in the authentication request signal.

When the received payment details correspond to the goods or services purchased by the buyer, the buyer can input the touch. If the buyer terminal 100 receives the touch input from the user (step S31) 101 (step S33).

If predetermined drag drag trajectory information is registered in the buyer terminal 100, the purchaser terminal 100 may compare the touch input of the user with the previously registered touch drag trajectory information.

The purchaser terminal 100 may request the card authentication information to the USIM card 101 only if the comparison results match, and may perform error processing such as stopping the process if the comparison result does not match.

A predetermined pin number may be used instead of the touch drag trajectory information.

That is, the purchaser terminal 100 displays a window for inputting a PIN number, authenticates the PIN number input by the user by itself or by communicating with the USIM card 101, It is possible to request the card authentication information from the card authentication information.

The USIM card 101 extracts card authentication information (for example, UICC ID and IMSI) according to a request from the purchaser terminal 100 and transmits it to the purchaser terminal 100 (step S35).

The purchaser terminal 100 also extracts the previously stored terminal authentication information (e.g., CTN, IMEI) (step S37), and transmits the authentication information including both the extracted terminal authentication information and the card authentication information received from the USIM card 101 And transmits a response signal to the authentication server 220 (step S39).

The authentication server 220 performs authentication processing for comparing the registration authentication information with the terminal authentication information received from the purchaser terminal 100 and the card authentication information (step S41), and transmits the authentication processing result to the payment server 210 (Step S43).

When the authentication processing result received from the authentication server 220 corresponds to the authentication success (step S45), the payment server 210 processes the payment to be made with the call charge of the buyer's telephone number (step S49) And transmits a process success message to the seller terminal 300 (step S47).

In this case, the settlement using the call rate of the buyer's telephone number corresponds to a kind of small-size mobile payment processing, and can be performed by communication with a mobile communication company charging server (not shown).

If the authentication fails (step S45), the payment server 210 transmits an error message to the seller terminal 300 (step S47).

The seller terminal 300 displays the payment processing result received from the payment server 210.

Meanwhile, it goes without saying that the process of performing each of the above-described embodiments can be performed by a program or an application stored in a predetermined recording medium (for example, a computer-readable). Here, the recording medium includes an electronic recording medium such as a RAM (Random Access Memory), a magnetic recording medium such as a hard disk, and an optical recording medium such as a CD (Compact Disk).

At this time, the program stored in the recording medium may be executed on hardware such as a computer or a smart phone to perform each of the above embodiments. In particular, at least one of the function blocks of the purchaser terminal according to the present invention described above may be implemented by such a program or application.

The present invention is not limited to the above-described specific embodiments, and various modifications and changes may be made without departing from the gist of the present invention. It is to be understood that such variations and modifications are intended to be included in the scope of the appended claims.

100: Buyer terminal 200: Payment processing system
210: Payment server 220: Authentication server
300: Seller terminal 101: IC card
110: storage unit 120: receiving unit
130: display section 140: input section
150: information acquisition unit 160: authentication response unit
170: registration unit 180: registration request unit

Claims (18)

In a simple payment method,
(a) when the payment processing system receives a payment request signal including a buyer's telephone number and payment details from a seller terminal, transmitting an authentication request signal for the payment details to the buyer terminal using the buyer's telephone number;
(b) the payment processing system performs an authentication process for comparing the terminal authentication information and the card authentication information received according to the authentication request signal from the purchaser terminal with the pre-registered registration authentication information, And controlling the payment corresponding to the buyer's telephone number to be performed,
Wherein the terminal authentication information is authentication information stored in the purchaser terminal itself, and the card authentication information is authentication information stored in an IC card mounted on the purchaser terminal, wherein, in response to an authentication request signal for the payment history, And the buyer terminal is the information received from the IC card as it is detected. The method according to claim 1,
Wherein the step (b) controls to process either the mobile phone payment corresponding to the purchaser's phone number or the credit card payment corresponding to the purchaser's phone number. The method according to claim 1,
Wherein the card authentication information is information received from the IC card by the purchaser terminal when the touch input of the user coincides with the previously registered drag trajectory. The method according to claim 1,
Before the step (b)
Further comprising a step of matching and matching the terminal authentication information included in the authentication information registration request signal and the card authentication information when the payment processing system receives an authentication information registration request signal from the purchaser terminal,
Wherein the terminal authentication information is authentication information stored in the purchaser terminal itself and the card authentication information is authentication information stored in the IC card and indicating that the purchaser terminal is the information received from the IC card in response to a user's authentication information registration request Easy payment method that features. The method according to claim 1,
The card authentication information acquired by the purchaser terminal from the USIM includes a UICC (Universal IC card) ID and an International Mobile Subscriber Identity (IMSI) And the terminal authentication information is a CTN (Cellular Telephone Number) and an IMEI (International Mobile Equipment Identity). The method according to claim 1,
Wherein, in the step (b), when the authentication information and the KID authentication information are not received from the purchaser terminal within a predetermined time after transmission of the authentication request signal, the payment is canceled. (a) receiving an authentication request signal from an authentication processing server and displaying a payment history according to the authentication request signal;
(b) acquiring card authentication information through communication with a pre-installed IC card when a user's touch input is sensed;
(c) transmitting an authentication response signal including both the established terminal authentication information and the card authentication information acquired in the step (b) to the payment processing system. 8. The method of claim 7,
In the step (a), a payment push button and a cancel button of an app push type are displayed,
In the step (b), when the touch input of the user is detected, the specific application is activated and the card authentication information is acquired through communication with the IC card by the driven specific application To the communication terminal. 8. The method of claim 7,
Further comprising registering and storing a drag trajectory according to a user's request,
Wherein the step (b) acquires the card authentication information through communication with the previously installed IC card when the touch drag input by the user corresponds to the registered drag trajectory. 8. The method of claim 7,
Before the step (b)
Acquires card authentication information through communication with a pre-installed IC card in response to a user's authentication information registration request, and transmits an authentication information registration request signal including both the established terminal authentication information and the acquired card authentication information to the payment To the processing system in response to a request from the communication terminal. 8. The method of claim 7,
The card authentication information acquired by the purchaser terminal from the USIM includes a UICC (Universal IC card) ID and an International Mobile Subscriber Identity (IMSI) , And the terminal authentication information is a Cellular Telephone Number (CTN) and an International Mobile Equipment Identity (IMEI). A computer-readable recording medium recording a program for executing the method according to any one of claims 1 to 11. 12. An application stored in a medium for executing a method according to any one of claims 1 to 11 in combination with hardware. A storage unit for storing terminal authentication information;
A receiving unit for receiving an authentication request signal from an authentication processing server;
A display unit for displaying payment details according to an authentication request signal received at the receiving unit;
A touch input unit for sensing a touch input of a user;
An information acquiring unit acquiring card authentication information through communication with a previously installed IC card when the touch input of the user is sensed by the touch input unit and extracting the terminal authentication information from the storage unit;
And an authentication response unit for transmitting an authentication response signal including both the terminal authentication information extracted by the information acquisition unit and the acquired card authentication information to the payment processing system. 15. The method of claim 14,
Wherein the display unit displays a payment push button and a cancel button of an app push type according to the authentication request signal,
When the touch input unit detects a touch input of the user by the touch input unit, the information acquiring unit drives the specific application and acquires the card authentication information through communication with the IC card by the driven specific application Wherein the communication terminal comprises: 15. The method of claim 14,
Further comprising a registration unit for registering and storing the drag sign information in the storage unit according to a user's request,
Wherein the information obtaining unit obtains the card authentication information through communication with the previously installed IC card when the touch drag input by the user corresponds to the registered drag sign information. 15. The method of claim 14,
Acquires card authentication information through communication with a previously installed IC card in accordance with a user's authentication information registration request, and transmits an authentication information registration request signal including both the established terminal authentication information and the acquired card authentication information And a registration requesting unit for transmitting the registration request to the payment processing system. 15. The method of claim 14,
The card authentication information acquired by the purchaser terminal from the USIM includes a UICC (Universal IC card) ID and an International Mobile Subscriber Identity (IMSI) , And the terminal authentication information is a Cellular Telephone Number (CTN) and an International Mobile Equipment Identity (IMEI).
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KR20030037399A (en) 2001-11-03 2003-05-14 이백순 SMS(Short Message Service) Bill checking system
KR101002010B1 (en) * 2009-11-24 2010-12-16 (주)라우즈미 Payment system using smart card and method thereof
KR101004038B1 (en) * 2010-05-25 2010-12-31 (주)다우기술 System for authorizing electronic payment using screen touching of communication terminal and method therefor
KR101303207B1 (en) * 2011-04-15 2013-09-03 (주)와이제이인터와이드 Agent system for mobile payment
KR20140095770A (en) * 2013-01-25 2014-08-04 인포뱅크 주식회사 Payment processing method, device and recording medium

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KR20030037399A (en) 2001-11-03 2003-05-14 이백순 SMS(Short Message Service) Bill checking system
KR101002010B1 (en) * 2009-11-24 2010-12-16 (주)라우즈미 Payment system using smart card and method thereof
KR101004038B1 (en) * 2010-05-25 2010-12-31 (주)다우기술 System for authorizing electronic payment using screen touching of communication terminal and method therefor
KR101303207B1 (en) * 2011-04-15 2013-09-03 (주)와이제이인터와이드 Agent system for mobile payment
KR20140095770A (en) * 2013-01-25 2014-08-04 인포뱅크 주식회사 Payment processing method, device and recording medium

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