WO2007024079A1

WO2007024079A1 - System and method for providing management of personal information and safe payment to independent site

Info

Publication number: WO2007024079A1
Application number: PCT/KR2006/003281
Authority: WO
Inventors: Han-Joo Kim
Original assignee: Tnaru Co., Ltd.
Priority date: 2005-08-26
Filing date: 2006-08-21
Publication date: 2007-03-01
Also published as: KR100581660B1

Abstract

A system provides management of personal information and safe payment. A payment intermediation server receives personal information for member subscription, intermediates member subscription using the personal information, intermediating payment processing by providing a payment page at purchase of user, and concluding the transaction according to user confirmation. An independent site terminal receives the intermediating service of the payment intermediation server and provides a charged service to users. A user terminal subscribes to an independent site and purchases a charged service product. Accordingly, this system allows a small-scale little- capital service provider to easily construct a dedicated site for giving tangible or intangible intellectual properties. Also, this system protect personal information and allows a user to check quality of a purchased product after subscribing to the independent site.

Description

SYSTEM AND METHOD FOR PROVIDING MANAGEMENT OF PERSONAL INFORMATION AND SAFE PAYMENT TO INDEPENDENT SITE

Technical Field

[1] The present invention relates to a system for providing management of personal information and safe payment to an independent site and its method, and more particularly to a system for intermediating member subscription and payment between a user and a small independent site, which is conducted by a user to a independent site and its method. Background Art

[2] An independent site is a small site operated by a person or a group, which is in this specification defined as an independent site operated by a seller who independently sells tangible and intangible products such as goods, service, contents and so on through an on-line Internet site. In addition, SNS (Social Network Service) commonly having a specific purpose (namely, a small scale) compared with PNS (Public Network Service) having a pan-social purpose also allows an operator to provide Internet contents service to subscribers through a small site.

[3] In aspect of possibility, the independent site is characterized in its service differentiated from a large enterprise (or, a large portal) that provides indiscriminate contents only when a profit over a certain level is ensured, since the independent site provides various kinds of products in spite of its small scale. In addition, it is expected that an individual independent site would be expanded and grown as a promising industry in consideration of a social trend in the future.

[4] The kinds of product contents of the independent site are various as mentioned above, but a large enterprise is not interested in such products since use and purpose of the products are limited, so the independent site should directly take charge of selling and distribution. Users give more professionalism and reliability to the products sold by a specific shopping mall site only to members. Products sold to members by a specific shopping mall site are listed (or, exhibited) in a consistent manner, thereby giving reliability in price comparison and payment for industrial products. Meanwhile, in case of a service providing intellectual database such as processing or creation of digital information or professionally accumulated knowledge for a long time, not existing industrial products or single document, an independent Internet site capable of keeping individuality may give better professionalism and reliability to the products. Meanwhile, an independent site has a problem that it may not easily develop a service giving good design or strong personal information protection and also not easily construct reliability payment service due to little or lack of capital. Thus, users are reluctant to providing personal information essential to subscripting in a small shopping mall site in a non-product aspect though they satisfy quality and professionalism of the products themselves, so it is not easily to give reliability to payment for a charged product.

[5] For a small-scale service provider (e.g., a personal or a group) to easily construct an on-line sales site, the service provider may subscribe to a large shopping mall site. However, in this case, the service provider should pay for a commission for the seller membership service. The commission is decided according to the agreement of the shopping mall site, for example in a fixed amount for a certain period or a meter-rate system proportional to an amount of product sales or the number of product sales.

[6] Using the above on-line site constructing method, a seller may easily construct an on-line site. However, the seller just subscribes to a large site as a seller and instantly uses the shopping mall construction solution of the large site but not construct his/her own dedicated site. In addition, for subscribing as a seller, the seller should present a predetermined qualification document for being examined as a proper seller, and the seller should also pay for the above-mentioned fixed-amount or meter-rated commission unilaterally as a charge for using the site. Disclosure of Invention

Technical Problem

[7] The present invention is designed to solve the problems of the prior art, and therefore an object of the present invention is to provide a service, which intermediates member subscription to an independent site using personal information of a user already possessed in an intermediation server constructed between the independent site and the user, supports member subscription and payment by utilizing the intermediation service for processing payment and user authentication from the user for a product purchased from the independent site, and also ensures personal information protection and safe purchase of a charged service to the user. Technical Solution

[8] In order to accomplish the above object, the present invention provides a system for providing management of personal information and safe payment, which intermediates member subscription and payment processing for an independent site on a wire/ wireless network, the system including: a payment intermediation server for receiving site information and payment account information of an independent site through a homepage, receiving personal information of a user from the homepage for member subscription, intermediating member subscription by transmitting the already stored personal information within an information provision range selected by the user when the user subscribes to the independent site using the site information registered in the homepage, processing payment by providing a payment page to receive payment information when the user accessing the independent site purchases a product, receiving a change/refund request or payment confirmation from the member receiving the product within the stipulated time, and depositing a settlement amount calculated by deducing a commission from a payment amount to the payment account in case the payment confirmation is received; an independent site terminal for receiving the personal information of the user subscribed to the payment intermediate server to subscribe as a member, receiving a payment service through the payment page when the user requests a purchase, and receiving the settlement amount according to the payment confirmation of the user; and a user terminal for subscribing to the payment intermediation server as a member, receiving the member subscription page in which the personal information stored in the payment intermediation server is automatically registered so as to subscribe to the independent site by selecting an information provision range of the personal information, paying for a product purchased in the independent site with the payment intermediation server as an opponent of the transaction, and transmitting a change/refund request or the payment confirmation to the payment intermediation server within the stipulated time after the product is received.

[9] According to a preferred feature of the present invention, the payment intermediation server includes: a site management unit for receiving the site information and the payment account information from the independent site terminal; a member management unit for receiving the personal information of the user subscribed as a member from the user terminal for real name authentication or cellular phone authentication, and allowing the subscription under the consent to the fact that the personal information is used when subscribing to the independent site terminal; a member subscription intermediation unit for providing the member subscription page having the personal information automatically registered thereto when the user terminal requests subscription by accessing the independent site terminal and requests subscription or the user terminal requests subscription by selecting a specific independent site registered in the homepage of the payment intermediation server, so as to receive an information provision range of the personal information and intermediate the subscription to the independent site terminal; a payment processing intermediation unit for receiving a payment request according to a purchase of the user from the independent site terminal, providing a payment page with the payment intermediation server being set as an opponent of the transaction to receive payment information of the user, and processing the payment with respect to a credit card service provider or a bank; and a transaction conclusion unit for receiving a change/refund request or a payment confirmation from the user terminal within the stipulated time and concluding the transaction accordingly.

[10] In another aspect of the present invention, there is also provided a method for providing management of personal information and safe payment, which intermediates member subscription and payment processing for an independent site on a wire/ wireless network, the method including: (1) a payment intermediation server receiving site information and payment account information from an independent site terminal through a homepage; (2) receiving a member subscription request from a user terminal accessing the homepage and receiving personal information of the user for member subscription; (3) providing a member subscription page having the personal information automatically registered thereto to receive a selection of an information provision range of the personal information when the user terminal requests a member subscription to a specific independent site, and then intermediating the member subscription to the independent terminal; (4) providing a payment page to receive payment information of the user when the user terminal accesses the independent site terminal and purchases a product, and then processing the payment; and (5) receiving a change/ refund request or payment confirmation from the user terminal within the stipulated time and then concluding the transaction accordingly. Brief Description of the Drawings

[11] These and other features, aspects, and advantages of preferred embodiments of the present invention will be more fully described in the following detailed description, taken accompanying drawings. In the drawings:

[12] FIG. 1 a block diagram showing a system for providing management of personal information and safe payment for a charged service according to one embodiment of the present invention;

[13] FIG. 2 is a diagram conceptually showing a member subscription intermediating function of the system according to one embodiment of the present invention;

[14] FIG. 3 is a diagram conceptually showing a payment processing intermediating function of the system according to one embodiment of the present invention;

[15] FIG. 4 is a block diagram showing a payment intermediation server according to one embodiment of the present invention;

[16] FIG. 5 is a flowchart illustrating a method for providing management of personal information and safe payment for a charged service according to one embodiment of the present invention;

[17] FIG. 6 is a detailed flowchart illustrating the process that an independent site subscribes to a homepage of the payment intermediation server according to one embodiment of the present invention;

[18] FIG. 7 is a detailed flowchart illustrating the process that a user subscribes to the homepage of the payment intermediation server according to one embodiment of the present invention;

[19] FIG. 8 is a detailed flowchart illustrating the process that a user subscribes to the independent site by means of intermediation of the payment intermediation server according to one embodiment of the present invention; and

[20] FIG. 9 is a detailed flowchart illustrating a change/refund and payment confirmation process of a user according to one embodiment of the present invention. Best Mode for Carrying Out the Invention

[21] Hereinafter, a preferred embodiment of the present invention will be described in detail with reference to the accompanying drawings.

[22] FIG. 1 shows a system 1 for providing management of personal information and safe payment for a charged service according to one embodiment of the present invention.

[23] The system 1 of this embodiment includes a payment intermediation server 2, an independent site terminal 3 and a user terminal 4.

[24] The payment intermediation server 2 is constructed between the independent site terminal 3 and the user terminal 4 to intermediate member subscription of a user to the independent site and payment processing for a purchased product.

[25] An independent site service provider that desires to receive the intermediation service of the present invention accesses the homepage of the payment intermediation server 2 and is requested to register independent site information and payment account through subscription. The site information is registered to the homepage and then used for a user to substrate to a specific independent site through the payment intermediation server 2. In other case, it is possible to automatically substrate to the payment intermediation server 2 after subscribing to the independent site when the user firstly visits the independent site before subscribing to the homepage of the payment intermediation server 2. In addition, the payment account is used for deposit a predetermined payment charge when a user pays to the payment intermediation server 2 for a product purchased from the independent site and then the user certifies the payment.

[26] In addition, a user is also requested to access the homepage of the payment intermediation server 2 to send personal information and then subscribe thereto as a member through a predetermined authentication procedure. The personal information sent by the user to the payment intermediation server 2 is automatically registered to a member subscription page for an independent site by the payment intermediation server and then transmitted to the user when the user subscribes to the independent site. Also, the user may subscribe to the independent site only using the personal information within a selected range if selecting an information provision range without repeatedly inputting his/her own personal information.

[27] Now, a member subscription intermediation service of the present invention will be described with reference to FIG. 2. A user who desires to subscribe to an independent site requests a member subscription to the independent site constructed to the independent site terminal 3 (®) or requests a member subscription through a homepage constructed in the payment intermediation server 2. If an event for the request of a member subscription to the independent site is generated, the payment intermediation server 2 displays the personal information, already registered through the member subscription to the homepage by the user, to a member subscription page of the independent site to transmit the personal information to the user terminal 1 (©). The user selects an information provision range to be provided to the independent information among the personal information displayed on the member subscription page (©). For example, ID and name registered to the payment intermediation server 2 are basically provided, but the user may reject provision of other information such as email, job, age, resident registration number and so on. The payment intermediation server 2 transmits data corresponding to the information provision range of the personal information selected by the user to the independent site terminal 3 to intermediate member subscription (®).

[28] Now, the payment processing intermediation service of the present invention will be described with reference to FIG. 3. A user accesses the independent site terminal 3 to inquire products and select a specific product, and then requests purchase of the selected product (®). The purchase request is transmitted to the payment intermediation server 2, and the payment intermediation server 2 provides a payment page to the user terminal 4 (©). The user selects a payment means such as credit card or money transfer and sends the payment information to the payment intermediation server 2 (©), and then the payment intermediation server 2 transmits a result to the independent site terminal 3 and the user terminal 4 (®). In addition, the independent site terminal 3 provides the purchased product to the user terminal 4, and the user determines a final confirmation for the purchase after receiving the product service. This process will be explained later in more detail.

[29] The independent site terminal 3 is operated by an operator in a small scale to sell products or provide contents, and it may be constructed as a client terminal or a server and also includes a terminal operating SNS (Social Network Service) business. A product selling page of a service provider may be stored in the independent terminal 3, and the independent site service provider may operate the independent site terminal 3 as a client terminal or operate as a server in connection with the independent terminal 3 through a his/her own network communication terminal (e.g., computer, cellular phone, PDA, or the like). That is to say, due to a small scale and little capital, the independent site may be constructed under P2P platform or web hosting based environment. In addition, a user interface of the independent site may sell specific products (e.g., goods, service, contents and so on) using a fixed price or payment in installment, a fixed price for a certain period, a meter-rated advance price, a meter-rated future payment and so on through a blog or a specific club (or, cafe), not through a homepage operated by a traditional electronic commerce on-line shopping mall. As mentioned above, the service provider of the independent site takes charge of distribution of a product purchased by a customer only, and receives technical support for member management and payment processing solutions from the payment intermediation server 2. In addition, the service provider of the independent site pays a commission for the technical support to the payment intermediation server 2 according to the agreement.

[30] FIG. 4 shows the payment intermediation server 2 according to one embodiment of the present invention.

[31] The payment intermediation server 2 of this embodiment includes a site information management unit 21, a member management unit 22, a member subscription intermediation unit 23, a payment intermediation unit 24 and a transaction conclusion unit 25. In addition, the payment intermediation server 2 includes an independent site DB 211, a member DB 221, an independent site subscription DB 231, a payment DB 241 and a transaction conclusion DB 251 as a DBMS structure.

[32] The site information management unit 21 receives site information including an address of the independent site and payment account information including a payment account from a service provider subscribed to the independent site as a member through the homepage, and then stores the site information and the payment account information to the independent site DB 211. Here, the site information that generates a member subscription or product purchase event from a user at the independent site is linked with a predetermined execution code and a webpage for the intermediation service of the present invention.

[33] The member management unit 22 receives a member subscription request through the homepage from a user, subscribes the authenticated user by executing an authentication process such as real name authentication or cellular phone authentication to determine whether the personal information sent by the user is valid, and stores the personal information to the member DB 221. Here, the received personal information is used again when the user subscribes to the independent site, thereby helping the user not to repeatedly input the personal information. For this purpose, when the user subscribes to the homepage, the payment intermediation server 2 requests the consent to the membership agreement regulating that the personal information may be partially provided to the independent site for user authentication when the user subscribes to a selected independent site.

[34] The member subscription intermediation unit 23 intermediates member subscription by providing a member subscription page for the independent site to the user terminal 4 whenever an event for a user to subscribe to the independent site is generated. The member subscription event may be generated when a user requests member subscription in connection with the independent site terminal 3 or when the user selects a specific independent site registered in the homepage of the payment intermediation server 2. An information provision range for the independent site personal of an independent site to which a user subscribes and the personal information provided to each independent site is stored in the independent site subscription DB 231.

[35] The personal information inquired from the member DB 221 is automatically registered to the member subscription page transmitted to the user according to the event, and the user receives the member subscription page and then decides a range of information to be provided to the independent site. For example, the user may rejection to provide other data except ID of the payment intermediation server 2 and name. That is to say, the user intends to provide only minimum personal information required for member subscription to the independent site among the personal information in the payment intermediation server 2. Thus, the independent site receives only the minimum information on the assumption that the user is already an authenticated member in the payment intermediation server 2. If the independent site does not receive email address or phone number of the member since the member subscribing there to rejects provision of the personal information, it is possible to contact the member using the email address or the phone number stored in the payment intermediation server 2.

[36] The payment processing intermediation unit 24 receives a payment request according to a purchase event of a member user accessing the independent site terminal 3, and provides a payment page in which the payment intermediating server 2 is set as an opponent of the purchase to receive payment information of the user. In addition, the payment processing intermediation unit 24 processes the payment with a credit card service provider or a bank according to the payment means of the user and then transmits a result to the independent site terminal 3 and the user terminal 4. Here, known informing means such as SMS and email may be utilized. Payment amount information and payment result for the payment using a credit or money transfer are stored in the payment DB 241.

[37] The transaction conclusion unit 25 requests a change/refund request or a payment confirmation within the stipulated time from the user terminal 4 and concludes the transaction. Detail information of at least one change/refund or payment confirmation selected by the user within the stipulated time is stored in the transaction conclusion DB 251.

[38] More specifically, the transaction conclusion unit 25 includes a charge request processing unit, a refund request processing unit, and a payment confirmation unit. If receiving a change request from the user terminal, the transaction conclusion unit transmits the change request to the independent site 3 and then delays the payment to the independent site until the change is completed. In case of receiving a refund request from the user terminal 4, the refund request processing unit refunds the payment charge to the user if it is informed that the product to be refunded is arrived. In addition, if receiving a payment confirmation from the user terminal 4, the payment confirmation processing unit pays a money calculated by deducing a predetermined commission from the payment charge of the user to the payment account of the independent site. Using the above configuration, the user may ensure safe right for the product purchased from a small independent site.

[39] FIG. 5 is a flowchart illustrating a method for providing management of personal information and safe payment for a charged service according to one embodiment of the present invention.

[40] In an independent site member subscription step SlO of the payment intermediation server, the payment intermediation server 2 receives a member subscription from an independent site service provider through its homepage. Seeing it in more detail with reference to FIG. 6, the payment intermediation server 2 receives the site information and the payment account information from the independent site service provider and then stores the information to the independent site DB 211 (Sl 1). The payment intermediation server 2 registers the independent site information to the homepage and links the site information to a member subscription page of the independent site so that a ser may subscribe to a specific independent site by selecting it (S 12). Similarly, the member subscription page for the independent site is also linked to a member subscription button in the member subscription page of the independent site 3 (S 13). In addition, the payment page is linked to a payment button in the purchase page of the independent site terminal 3 to intermediate payment (S 14).

[41] The payment intermediation server 2 receives a member subscription request from the user terminal 4 accessing to the homepage and receives the personal information for subscription (S20). Seeing it in more detail with reference to FIG. 7, the payment intermediation server 2 receives a member subscription request from a user (S21), and receives personal information of the user through the member subscription page (S22). The received personal information is used for user authentication through a third-party agent (e.g., a real name authentication server or a cellular phone authentication server) (S23). If the authentication is successful and the user consents to the fact that the personal information of the user may be used for user authentication when subscribing to the independent site 3, the received personal information is stored in the member DB 221 (S24).

[42] The payment intermediation server 2 automatically register the already-stored personal information to the member subscription page when an independent site member subscription event of the user is generated, thereby providing the personal information to the user to receive a selection of the information provision range, and thus intermediating the member subscription (S30). Seeing it in more detail with reference to FIG. 8, the payment intermediation server 2 receives a member subscription request from the user terminal 4 accessing the independent site terminal 3 or selecting a specific independent site in the homepage of the payment intermediation server 2 (S31). If the member subscription request is received, the personal information of the user is inquired from the member DB 221 (S32), and then the personal information is automatically registered to the member subscription page for the independent site and sent to the user terminal (S33). The user selects information to be provided to the independent site in the member subscription page and transmits it to the payment intermediation server (S34). The payment intermediation server 2 stores the subscribed independent site information and the member subscription information selected by the user to the independent site subscription DB 231 (S35).

[43] If the user terminal 4 accesses the independent site terminal 3 and requests a purchase for a specific product, the payment intermediation server 2 provides a payment page to the user terminal 4 and receives payment information of the user to process the payment (S40). The user may use a credit card, money transfer and mileage (a reserve fund or points) as a payment means (S40).

[44] If the user receives the service for the purchased product from the independent site, the user accesses the payment intermediation server 2 and transmits a change/refund request or payment confirmation within the stipulated time (S50). Seeing it in more detail with reference to FIG. 9, if the user selects a change request, the payment intermediation server 2 transmits the change request to the independent site terminal 3, and then stands by the settlement of the payment charge until the user completes the transaction (S51). In case the user selects a refund request, the payment intermediation server 2 is informed from the independent site terminal 3 that the product to be refunded is arrived (S52), and then refunds the payment charge of the user (S521). If the user selects a payment confirmation, the payment intermediation server 2 calculates a settlement amount deducing a predetermined commission from the payment charge of the user (S53), and then deposits the settlement payment to the payment account of the independent site, thereby concluding the transaction (S531).

[45] The system and method for providing management of personal information for an independent site and safe payment for a charged product according to the present invention have been described in detail. However, it should be understood that the detailed description and specific examples, while indicating preferred embodiments of the invention, are given by way of illustration only, since various changes and modifications within the spirit and scope of the invention will become apparent to those skilled in the art from this detailed description. Industrial Applicability

[46] The system and method for providing management of personal information for an independent site and safe payment for a charged product according to the present invention provides an intermediating service for member management and payment processing to a service provider who has capability for accumulating his/her own tangible or intangible intellectual properties in spite of a small scale and little capital but is lack of Internet knowledge, thereby capable of activating construction of independent sites and SNS.

[47] In addition, the system and method of the present invention provides personal information within an information provision range selected by the user so as to protect the personal information of users who transact products at the independent site, and also leads a user, who is anxious about quality of a charged service product, to receive the purchased service and also confirm payment, thereby allowing safe payment of the user.

Claims

[1] A system for providing management of personal information and safe payment, which intermediates member subscription and payment processing for an independent site on a wire/wireless network, the system comprising: a payment intermediation server for receiving site information and payment account information of an independent site through a homepage, receiving personal information of a user from the homepage for member subscription, intermediating member subscription by transmitting the already stored personal information within an information provision range selected by the user when the user subscribes to the independent site using the site information registered in the homepage, processing payment by providing a payment page to receive payment information when the user accessing the independent site purchases a product, receiving a change/refund request or payment confirmation from the member receiving the product within the stipulated time, and depositing a settlement amount calculated by deducing a commission from a payment amount to the payment account in case the payment confirmation is received; an independent site terminal for receiving the personal information of the user subscribed to the payment intermediate server to subscribe as a member, receiving a payment service through the payment page when the user requests a purchase, and receiving the settlement amount according to the payment confirmation of the user; and a user terminal for subscribing to the payment intermediation server as a member, receiving the member subscription page in which the personal information stored in the payment intermediation server is automatically registered so as to subscribe to the independent site by selecting an information provision range of the personal information, paying for a product purchased in the independent site with the payment intermediation server as an opponent of the transaction, and transmitting a change/refund request or the payment confirmation to the payment intermediation server within the stipulated time after the product is received.

[2] The system for providing management of personal information and safe payment according to claim 1, wherein the payment intermediation server includes: a site management unit for receiving the site information and the payment account information from the independent site terminal; a member management unit for receiving the personal information of the user subscribed as a member from the user terminal for real name authentication or cellular phone authentication, and allowing the subscription under the consent to the fact that the personal information is used when subscribing to the independent site terminal; a member subscription intermediation unit for providing the member subscription page having the personal information automatically registered thereto when the user terminal requests subscription by accessing the independent site terminal and requests subscription or the user terminal requests subscription by selecting a specific independent site registered in the homepage of the payment intermediation server, so as to receive an information provision range of the personal information and intermediate the subscription to the independent site terminal; a payment processing intermediation unit for receiving a payment request according to a purchase of the user from the independent site terminal, providing a payment page with the payment intermediation server being set as an opponent of the transaction to receive payment information of the user, and processing the payment with respect to a credit card service provider or a bank; and a transaction conclusion unit for receiving a change/refund request or a payment confirmation from the user terminal within the stipulated time and concluding the transaction accordingly.

[3] The system for providing management of personal information and safe payment according to claim 1 or 2, wherein the payment intermediation server includes: an independent site DB for storing the site information including an address of the independent site and the payment account information including a payment account; a member DB for storing the personal information of the user received through the member subscription; an independent site subscription DB for storing the independent site information to which the user is subscribed and the information provision range of the personal information provided to each independent site; a payment DB for storing payment information processed through a credit card or money transfer according to the purchase of a product by the user; and a transaction conclusion DB for storing detail information related to at least one change/refund request or payment confirmation selected by the user within the stipulated time.

[4] The system for providing management of personal information and safe payment according to claim 1 or 2, wherein the payment intermediation server provides an intermediation service for the member subscription and the payment processing for an independent site in which a service provider sells a specific product including goods, service and contents through a homepage, a blog or specific club or cafe under a P2P platform or web-hosting based environment.

[5] The system for providing management of personal information and safe payment according to claim 1 or 2, wherein the independent site terminal provides a product and service to the user using a payment method including a fixed price for a predetermined period, a meter-rated advance price and a meter-rated future payment, and the payment intermediation server provides a settlement amount, calculated by deducting a predetermined commission from a payment amount paid by the user according to the payment method, to the independent site.

[6] The system for providing management of personal information and safe payment according to claim 1 or 2, wherein the payment intermediation server provides a member subscription page with the personal information registered thereto for the intermediation service when the user terminal accesses the independent site terminal and requests a member subscription or the user terminal selects a specific independent site registered in the homepage of the payment intermediation server and requests a member subscription.

[7] The system for providing management of personal information and safe payment according to claim 1 or 2, wherein the payment intermediation server includes: a change request processing unit for transmitting a change request to the independent site terminal in case the change request is transmitted from the user terminal; a refund request processing unit for refunding the payment amount to the user after being formed from the independent site terminal that a product to be refunded is arrived in case the refund request is transmitted from the user terminal; and a payment confirmation processing unit for providing a settlement amount, calculated by deducting a predetermined commission from the payment amount of the user, to the payment account of the independent site.

[8] A method for providing management of personal information and safe payment, which intermediates member subscription and payment processing for an independent site on a wire/wireless network, the method comprising:

(1) a payment intermediation server receiving site information and payment account information from an independent site terminal through a homepage;

(2) receiving a member subscription request from a user terminal accessing the homepage and receiving personal information of the user for member subscription; (3) providing a member subscription page having the personal information automatically registered thereto to receive a selection of an information provision range of the personal information when the user terminal requests a member subscription to a specific independent site, and then intermediating the member subscription to the independent terminal;

(4) providing a payment page to receive payment information of the user when the user terminal accesses the independent site terminal and purchases a product, and then processing the payment; and

(5) receiving a change/refund request or payment confirmation from the user terminal within the stipulated time and then concluding the transaction accordingly.

[9] The method for providing management of personal information and safe payment according to claim 8, wherein the step (1) includes: (1-1) the payment intermediation server receiving the site information and the payment account information and then storing the site information and the payment account information to an independent site DB; (1-2) registering the independent site information to the homepage and then linking the independent site information to the member subscription page for the independent site;

(1-3) linking the member subscription page for the independent site to a member subscription button in a member subscription page of the independent site; and (1-4) linking the payment page to a payment button in a purchase page of the independent site.

[10] The method for providing management of personal information and safe payment according to claim 8 or 9, wherein, in the step (1), the payment intermediation server subscribes an independent site, which sells a specific product including goods, service and contents through a homepage, a blog or a specific club or cafe under a P2P platform or web-hosting based environment, as a service site member so as to provide management of the personal information and safe payment of a charged service.

[11] The method for providing management of personal information and safe payment according to claim 8 or 9, wherein the step (1) includes: the independent site terminal providing product and service to a user using a payment method including a fixed price for a predetermined period, a meter- rated advance price and a meter-rated future payment, and the payment intermediation server receiving the consent to the fact that a settlement amount, calculated by deducting a predetermined commission from a payment amount paid by the user according to the payment method, is paid to the independent site, and then subscribing the independent site as a member.

[12] The method for providing management of personal information and safe payment according to claim 8, wherein, in the step (2), the payment intermediation server makes a real name authentication or a cellular phone authentication for a user subscribed to the homepage, and then storing the personal information to the member DB with the consent of the authenticated user to the fact that the personal information is used when subscribing to the independent site terminal.

[13] The method for providing management of personal information and safe payment according to claim 8, wherein, in the step (3), when user terminal accessing the independent site requests a member subscription or the user terminal selects a specific independent site registered in the homepage of the payment intermediation server to request a member subscription, the payment intermediation server provides an intermediating service for the member subscription by providing a member subscription page in which the personal information is automatically displayed, and then stores an information provision range of the personal information selected by the user to an independent site subscription DB.

[14] The method for providing management of personal information and safe payment according to claim 8, wherein, in the step (4), the payment intermediation server receives a payment request including user information and product information from the independent site terminal, providing the payment page to receive payment information of the user, and storing payment amount information related to a payment with respect to a credit card service provider or a bank.

[15] The method for providing management of personal information and safe payment according to claim 8, wherein the step (5) includes: (5-1) transmitting a change request to the independent site terminal in case of receiving the change request from the user terminal;

(5-2) refunding a payment amount to the user after being informed from the independent site that a product to be refunded is arrived in case receiving the refund request from the user terminal; and

(5-3) providing a settlement amount, calculated by deducting a predetermined commission from a payment amount of the user, to a payment account of the independent site in case of receiving the payment confirmation from the user terminal.