KR20060008641A - Two-way authentication payment system and method through a mobile terminal - Google Patents

Abstract

The present invention relates to a payment system for performing a financial transaction between a sending mobile terminal and a receiving mobile terminal through a mobile communication system, and establishes a call connection between the sending mobile terminal and the receiving mobile terminal. Is connected to a mobile communication network that processes data transmission and reception between each other, inquires a payment account of the sender and a receiver through a financial institution, and makes a payment request to the financial institution according to a payment request of the sender or the receiver. And a payment server for processing the requested financial transaction between the transmitting terminal and the receiving terminal by requesting and confirming predetermined authentications to the transmitting terminal and the receiving terminal, respectively.

Mobile communication system. Billing account, authentication, payment server, currency connection

Description

Two-way authentication payment system and method through mobile terminal {SYSTEM AND METHOD FOR SETTLING ACCOUNTS BY MUTUAL AUTHENTICATION IN THE MOBILE NETWORK}

1 is a view showing a structure of a mutual authentication type payment system through a mobile communication terminal according to the present invention.

2 is a diagram illustrating a configuration of a communication network including a mobile communication network to which the present invention is applied.

3 is a diagram illustrating a signal connection relationship between a sender and a receiver according to an embodiment of the present invention.

4 is a flowchart illustrating a payment procedure in a sender mobile terminal according to an embodiment of the present invention.

5 is a flowchart illustrating a payment procedure in a mobile receiver terminal according to an embodiment of the present invention.

6 is a flowchart illustrating a processing procedure in a payment server according to an embodiment of the present invention.

7 is a flowchart illustrating a two-way authentication payment processing procedure by a temporary call termination method according to a first embodiment of the present invention.

8 is a flow chart showing a two-way authentication payment processing procedure by the call during the payment method according to a second embodiment of the present invention.

9 is a flowchart illustrating a two-way payment processing procedure through voice and data exchange by text message call according to a third embodiment of the present invention.

10 is a flowchart illustrating a two-way authentication payment processing procedure by a sender's payment request method using a text message according to a fourth embodiment of the present invention.

<Explanation of symbols for the main parts of the drawings>

100: transmitting terminal 110: communication network

120: receiving terminal 130: financial institutions

131: Card Companies 132: Banks

133: other payment institution 200: mobile communication terminal

201: smartphone 202: wireless network terminal device

203: mobile communication core network 204: call switch

205: packet switch 206: gateway (packet)

207: wireless connection notebook 208: wireless

209: PC 210: Internet Network

211: intelligent network switch 212: payment server

213: Financial Institutions 214: Card Companies

215: Bank 216: Virtual Account

217: VoIP Phone 218: IPPBX

219: gateway (packet) 220: PSTN telephone                 

221: PBX 222: PSTN

223 gateway (line)

The present invention relates to an online payment system through a communication network, and more particularly, to a two-way authentication payment system and method through a mobile communication terminal performing authentication using a mobile communication terminal.

Recently, the number of payments made through financial transactions after shopping on the Internet is rapidly increasing. This is because it is necessary to enter an individual's credit card number and pay through the payment gateway. There are drawbacks to financial transactions. In addition, there is an inconvenience that can not be applied at all when a small payment.

In addition, if the user wishes to transfer money through a personal computer (PC), after applying for bank transfer and registering with the bank, the user must download various electronic wallets and process payment through the payment gateway. There is anxiety about payment processing, but it is not possible to process payment without going through a PC.

In addition, recently, there has been a tendency to provide a service by purchasing a certain amount through electronic money, making a payment within the limit, and then billing the invoice. However, even in such a case, many problems such as lack of merchants that enable the use of electronic money, lack of recognition of users' electronic money, inadequate measures for security, and inconvenience in handling large amounts of money have not been used.

Therefore, the unspecified number of people, regardless of the amount of money, regardless of the amount of payment in the wired / wireless environment simply by payment through the other party's phone number, the convenience of users as well as the reduction of fees paid to the payment gateway and There is a demand for a method of protecting the information of the counterpart so that the transfer of funds can be secured.

Accordingly, an object of the present invention is to provide a two-way authentication payment system and method through a mobile communication terminal for performing a payment process through mutual authentication of a transmitting side and a receiving side through a mobile communication terminal.

It is also an object of the present invention to provide a system and method for two-way authentication and payment through a mobile communication terminal through which a transmitting side and a receiving side can transmit money in real time to a counterpart during a phone call.

In addition, an object of the present invention provides a system and method for two-way authentication and payment through a mobile communication terminal that allows the sender and the receiver to suspend the phone call and transmit money to the other party in real time while making a phone call through the mobile communication terminal. It is provided.

In addition, an object of the present invention is a two-way authentication payment system through a mobile communication terminal through which the funds transfer process through the authentication of both sides using the number for user identification during the phone call between the sender and the receiver through the mobile communication terminal And providing a method.

A system for achieving the above object is; A payment system for performing a financial transaction between a sending mobile terminal and a receiving mobile terminal through a mobile communication system, the call connection between the sending mobile terminal and the receiving mobile terminal is established, and data is mutually established. It is connected to a mobile communication network that processes the transmission and reception, query the payment account of the sender and the receiver through a financial institution, and performs a payment request to the financial institution according to the payment request of the sender or the receiver, And a payment server for processing the requested financial transaction between the transmitting terminal and the receiving terminal by requesting and confirming predetermined authentications to the transmitting terminal and the receiving terminal, respectively.

A first method for achieving the above object; A payment method for performing a financial transaction between terminals with a call path set between a sending mobile terminal and a receiving mobile terminal through a mobile communication system, the caller from the sender's mobile terminal wishing to transfer funds Receiving the information, the identification number of the collector and the payment amount to receive the funds; Checking whether the payment is possible by checking an account of the remitter; If payment is possible as a result of the check, requesting authentication from the mobile communication terminal of the collector; And if there is no abnormality in the authentication result, performing the requested payment.

A second method for achieving the above object is; In the procedure according to the first method, a call between the terminals is performed in a state of outputting a call waiting sound in a call waiting state.

The third method for achieving the above object; A payment method for performing a financial transaction between a sending mobile terminal and a receiving mobile terminal through a mobile communication system, the caller information of the sender's mobile terminal to remit the funds, the identification of the recipient to receive the remittance Receiving information about the number and payment amount via a text message; Checking whether the payment is possible by checking an account of the remitter; Performing a call connection between the sender's mobile communication terminal and the payee's mobile communication terminal when payment is possible as a result of the checking; Requesting authentication from the recipient's mobile communication terminal; And if there is no abnormality in the authentication result, performing the requested payment.

A fourth method for achieving the above object is; A payment method for performing a financial transaction between a sending mobile terminal and a receiving mobile terminal through a mobile communication system, comprising: caller information, a billing identification number, Receiving information about the payment amount through a text message; Generating a predetermined temporary telephone number and transmitting the predetermined temporary telephone number together with payment request information to the mobile terminal of the payer; Receiving payment information of a payer connected through the temporary telephone number and checking whether the payment is possible by checking an account of the payer; Performing a call connection between the payment requester's mobile communication terminal and the payer's mobile communication terminal when payment is possible as a result of the checking; Requesting authentication from the mobile communication terminal of the payer; And if there is no abnormality in the authentication result, performing the requested payment.

Hereinafter, a detailed description of a preferred embodiment of the present invention will be described with reference to the accompanying drawings. In the following description, detailed descriptions of well-known functions or configurations will be omitted when it is determined that the detailed descriptions of the known functions or configurations may unnecessarily obscure the subject matter of the present invention.

The present invention proposes a method in which a financial transaction such as a money transfer can be performed in real time through mutual authentication while a sender and a receiver perform a phone call using a mobile communication terminal. In addition, the financial transaction according to the present invention uses the call connected between the transmitting side and the receiving side through a mobile communication network to query the financial account of the transmitting side and the receiving side, and transmits the funds.

On the other hand, the present invention in performing the financial transaction through the mobile terminal, in order to ensure the safety of the financial transaction, the authentication of the remitter (receiver) side as well as the recipient (receiver) Will also be performed.

Therefore, in the payment method according to the present invention, in order to settle the funds from the remitter (remitter) to the remitter (receiver), the payment amount is entered at the remitter and the payment amount and the payment method according to the announcement. Select to send. The remittee receives a transaction by inputting his / her terminal password for payment approval.

That is, the financial transaction through the mobile terminal according to the present invention is carried out through the authentication of both sides using the payment process and the number or password for identifying the user.

Before describing the present invention, the terms used in the present invention to be described below are collectively described.

The present invention performs a financial settlement by using a call set up between a calling mobile terminal and a receiving mobile terminal during the telephone call or after the telephone call ends. At this time, as a method of financial settlement between the calling party and the called party receiving a call, a transaction is performed by a request of a calling party or a transaction is performed from the calling party to a receiving party by a request of the receiving party. The transaction can be performed from to the originating party. On the other hand, the present invention is equally applicable regardless of the method of the transaction, and for convenience, regardless of the originating and receiving parties of the call, the remitter is referred to as the 'remitter', and the remitter is referred to as the 'remitter'. It is called 'golden ruler'.

In performing the two-way authentication payment according to the present invention, the remitter will use the 'integrated payment number' to inform the start of the financial transaction. The integrated payment number is a payment number or a payment start signal imposed on a terminal or an individual, and can be set as a number, a signal, or data that can be confirmed according to characteristics of a communication network. In other words, the remitter enters the integrated payment number through his mobile terminal to initiate a financial transaction with the payee according to the present invention through the mobile communication network.

Meanwhile, in performing the present invention, the remitter or the remitter performs real time authentication by inputting a 'real time payment number'. The 'enter payment real-time number input' means that the message is inputted to the receiver or the sender through a voice prompt, data, or a short message service (hereinafter, referred to as SMS), or is inputted to the corresponding mobile communication terminal. It refers to a recognition process that comprehensively accepts a stored or manual input recognition check process.

In addition, the guidance message provided in the payment process between the remitter or the payee may be voice, data, text, etc., for example, a Graphic User Interface (hereinafter referred to as 'GUI'), ABS, SMS And the like may be applied.

Meanwhile, the term 'account' used in the present invention means a financial system as a remitter or a receiver's mobile terminal or a user's own payment account, and includes a virtual account, a card, a bank, a telecommunication company integrated billing or a part of a third party financial system. It can also be

A feature of the present invention is that payment is made between calls between the sender and the receiver via the mobile communication terminal, or between reception and transmission, or after the end of the call. In addition, the payment is made through the connected account or the financial system of the sender and the receiver, it is characterized in that payment is possible only with the approval of both sides.

In this case, the payment may be applied in real time, delayed credit, integrated billing, and the like, and the payment between the carrier and the financial institution may be implemented through a third party system.

Hereinafter, a system structure according to the present invention will be described with reference to FIGS. 1 to 3.

1 is a diagram showing a structure of a mutual authentication type payment system through a mobile communication terminal according to the present invention.

Referring to FIG. 1, the user A 100 and the user B 120 may call each other through their mobile communication terminals. At this time, a call is made between the mobile communication terminals through a predetermined communication network 110.

The communication network 110 includes a wired / wireless communication network, preferably according to the application of the present invention to a wireless communication network. Accordingly, the communication network 110 may include a wireless network termination device including a base station and a base station controller, a wireless switch, and the like.

According to the present invention, while making a phone call from the user A 100 to the user B 120, the user A 100 to the user B 120, or the request of the user B 120 Or by the financial settlement from the user B 120 to the user A (100).

In this case, the financial settlement is made in a payment server 140 connected to the communication network 110. That is, the payment server 140 performs authentication according to the user's financial transaction request, and checks the account history of the user (that is, user A or user B) through the financial institution 130, and the financial institution Through 130 it is possible to process the payment.

The financial institution 130 may be a card company 131, a bank 132, or a third-party payment institution 133 in which a virtual account is set.

That is, the payment server 140 receives the inputted integrated payment number through the communication network 110 when the integrated payment number described above is input at the sender side (eg, the user A 100), Authentication of the inputted integrated payment number is performed to start a financial transaction between the sender and the receiver according to the result.

Hereinafter, a case in which funds are transferred from the user A 100 to the user B 120 through the system according to the present invention illustrated in FIG. 1 will be described.

First, the user A (100) makes a call to the user B (120), and a telephone call is carried out with each other. On the other hand, in the present invention, as described above, the payment procedure may be performed between the caller and the receiver, or in the middle of receiving / outgoing or after the termination. Specific payment procedures for each situation will be described later.

The user A 100 enters the predetermined integrated payment number through his mobile terminal. For example, when the integrated payment number is '1011', '1011' is input through the keypad of the mobile communication terminal.

The input number is transmitted to the communication network 110, and the communication network 110 determines the received number as an integrated payment number, so that the user A 100 is a financial transaction with the user B 120 that is the call target. Notify the payment server 140 that you have applied for. That is, the information of the user A (100) is transmitted to the payment server 140.

The payment server 140 checks the integrated payment number of the user A 100 and retrieves payment financial information corresponding to the user A 100 from the financial institution 130. Accordingly, the payment server 140 bills the selected payment information from the financial institution 130 and provides the payment information to the user A 100 through the communication network 110. In addition, it is required to enter the price for the payment.

The user A 100 inputs and transmits a price according to the received price input request, and the input price information is transmitted to the payment server 140 through the communication network 110. At this time, the payment server 140 transmits a notice for inputting a real-time payment number for authentication for the user A (100). The user A 100 receiving the announcement about the payment real time number input terminates the transfer of funds to the user B 120 by inputting the payment real time number according to the received announcement.

Meanwhile, the payment server 140 verifies that the payment real-time number transmitted by the user A 100 is normally input, and then, the financial institution 130 checks the payment account of the user B 120 to receive the funds. Inquiry is made through. Then, the payment server 140 stores the payment account information of the user B 120 inquired from the financial institution 130, and then requests the user B 120 to enter the recipient password.

The user B 120 performs two-way authentication according to the present invention by inputting a predetermined payment number. In addition, the payment server 140 transmits a notice for informing the user B 120, which is a collector, to input a real time payment number, as in the method used for the user A 100 for more reliable authentication.

The user B 120 enters a payment real time number according to the guidance of payment real time number input received from the payment server 140.

The payment server 140 checks whether the payment real-time number input by the user B 120 is normal, and then transfers the requested price from the user A 100 account to the user B 120 account. do. That is, after the two-way authentication is completed as described above, the payment server 140 requests the financial institution 130 for an account transfer for the money requested by the remitter, that is, the user A (100).

By doing the above, the transfer of funds through the two-way authentication between the users performing the call through the mobile communication terminal is made.

On the other hand, the integrated payment number input process of the above-described process can be changed in the order of the flow of the payment process, may be input with a predetermined input number, may be input by the abbreviated button on the predetermined mobile communication terminal. In addition, it can be seen that may be represented by the specific data input.

In addition, in FIG. 1, the payment server 140 that performs the payment service according to the present invention may be included in the communication network 110 according to the implementation thereof. Alternatively, the payment server 140 may be provided to the financial institution 130 or a third party. It may be included in the other payment institution 133 and the like.

In addition, the payment guide message used in the above process may be set in the mobile communication terminal, or set in the communication company system or included in the financial institution system. Accordingly, the payment process may be changed slightly.

Hereinafter, a configuration of an entire communication network including a mobile communication network to which the present invention of FIG. 1 is applied will be described with reference to FIG. 2.

2 is a diagram illustrating a configuration of a communication network including a mobile communication network to which the present invention is applied.

Referring to FIG. 2, the subject of two-way authentication payment is a mobile communication terminal 200, a smart phone 201, a wireless LAN connection notebook 207, a PC 209, and a VoIP (Voice Internet Protocol) phone 217. , A telephone 220 for a public switched telephone network (PSTN), etc. The present invention proposes a two-way authentication method between mobile communication terminals 200.

The mobile communication terminal 200 and the smart phone 201 supporting VoIP are connected to the mobile communication network 203 through a wireless network end device 202 including a base station and a base station controller connected to the mobile communication network. The mobile communication network 203 may be connected to the internet network 210 through a packet switch 205 and a packet gateway 206. In addition, the mobile communication network 203 may be connected to a public switched telephone network (hereinafter, referred to as a 'PSTN') 222 through a circuit switch 204 and a circuit gateway 223.

The wireless LAN connection notebook 207 may be connected to the Internet network 210 through the wireless LAN 208, the general PC 209 may be connected to the Internet network 210 by wire through a LAN card.

In addition, the VoIP phone 217 may be connected to the Internet network 210 through an Intel Peripheral PBX (IP-PBX) 218 and a packet-based gateway 219, and the PSTN phone 220 The PSTN 222 may be connected through a Private Branch Exchange (PBX) 221.

Meanwhile, the above-described payment server 212 for performing two-way payment according to the present invention may be connected through the Internet network 211 and the intelligent network switch 211, the payment server 212 is the account inquiry and payment of each user For processing, data communication is smoothly performed by connecting to various financial and financial institutions 213 including a card company 214, a bank 215, a virtual account 216, and the like.

3 is a diagram illustrating a signal connection relationship between a sender and a receiver according to an embodiment of the present invention.

Referring to FIG. 3, two-way authentication is performed through a mobile communication terminal for implementing the present invention through the communication network described above with reference to FIG. 2.

The mobile communication terminal of user A 100 and the mobile communication terminal of user B 120 are connected through a wireless communication network. If the user A 100 attempts to make a call to the user B 120 and assumes that a call is connected to each other, data transmitted by the user A 100 communicates with the user A 100. Via the base station 300, it is transmitted to the mobile communication terminal of the user B 120 through the receiving side base station 320 connected to the mobile communication network 310 and the user B (120). Similarly, the data transmitted by the user B 120 passes through the receiving base station 320 communicating with the user B 120, and the transmitting base station 300 connected to the mobile communication network 310 and the user A 100. It is transmitted to the mobile communication terminal of the user A (100) through.

Meanwhile, when the user A 100 performs a financial transaction with the user B 120 according to the present invention, the user A 100 may transmit the base station 300, the mobile communication network 310, and the packet switch. 330, the gateway 340, the internet network 350, and the intelligent network exchanger 360 are connected to the payment server 370.

Similarly, the user B 120 also passes through the receiving base station 320, the mobile communication network 310, the packet switch 330, the gateway 340, the internet network 350, and the intelligent network exchanger 360. 370.

In addition, as described above, the payment server 370 according to the present invention may communicate with a financial institution 380 including a card company 381, a bank 382, and a virtual account 383, which is a third payment institution. Connected by means, it is possible to perform data communication.

Hereinafter, referring to FIGS. 4 to 6, the procedures performed by the remitter, the remitter, and the payment server in performing the two-way authentication payment according to the present invention will be described in detail.

4 is a flowchart illustrating a payment procedure in a sender mobile terminal according to an embodiment of the present invention.

Referring to FIG. 4, according to the present invention, after the sender side and the receiver side form a currency path through the mobile communication network (step 401), the financial transaction proceeds. That is, as described above, the financial transaction according to the present invention may be carried out during a call through the mobile communication terminal, in the middle of reception / outgoing call, or after the end of the call. The financial settlement proceeds with the information of the receiver and the receiver maintained on the communication network.

First, the person who wants to transfer funds, that is, the remitter transmits a payment start signal through the input of the integrated payment number through his mobile terminal (step 402). Then, the payment server receives information about its own payment account and payment input request information (step 403).

According to the received payment input request information, the remitter inputs an amount to be remitted and transmits it to the payment server (step 404). Then, the remitter receives the payment real-time number guide message from the payment server (step 405), and inputs the corresponding payment real-time number according to the payment real-time number input message and transmits it to the payment server (step 406). More reliable authentication is performed according to the payment real-time number input procedure as described above. That is, a predetermined number is included in the form of voice or text in the payment real-time number guide message, and the authentication process is performed once again by retransmitting the included number to the payment server.

When the payment processing is completed in the payment server, whether or not normal payment processing is transmitted to each mobile communication terminal according to the payment processing completion. Accordingly, the sender receives a payment processing completion message from the payment server to his mobile terminal (step 407).

5 is a flowchart illustrating a payment procedure in a payee mobile terminal according to an embodiment of the present invention.

Referring to FIG. 5, according to the present invention, after the sender side and the receiver side form a currency path through the mobile communication network (step 501), the financial transaction proceeds. That is, as described above, the financial transaction according to the present invention may be carried out during a call through the mobile communication terminal, in the middle of reception / outgoing call, or after the end of the call. In this case, a call path between the caller and the receiver is formed, and thus the caller The financial settlement proceeds with the information of the receiver and the receiver maintained on the communication network.

On the other hand, as described above in FIG. 4, when the sender applies for a financial transaction such as transfer of funds to the payee through his mobile communication terminal, the payment server performs authentication for the payer according to the present invention. .

That is, the payment server transmits a receiver password input request message for payment to the receiver's mobile terminal, and the receiver collects a receiver password input request message for payment from the sender through his mobile terminal. Is received (step 502).                     

The depositor enters a preset password through his mobile terminal and transmits it to the payment server (step 503). Accordingly, if the payment server is processed normally, the receiver receives the real-time number guide message again from the payment server. (Step 504).

The collector enters the corresponding payment real time number according to the payment real time number guide message received by his mobile terminal and transmits it to the payment server (step 505). The payment server determines whether the input payment real-time number is normal and completes the corresponding financial settlement process.

Finally, when the financial transaction is normally completed in the payment server, a payment processing completion message is transmitted to each remitter and the payee. Accordingly, the collector collects the payment processing completion message through his mobile terminal (step 506) and confirms that the payment processing to his account has been normally processed.

6 is a flowchart illustrating a processing procedure in a payment server according to an embodiment of the present invention.

Referring to FIG. 6, when the remitter enters and transmits an integrated payment number through his mobile terminal as described above with reference to FIG. 4, the payment server transmits the integrated payment number transmitted through the mobile terminal of the sender. Is received (step 601).

If it is determined that the received number is normal (step 602), through the caller number for the remitter, check the information on the previously stored account number of the remitter, and according to the account number information In operation 603, the payment financial information for the remitter is requested.

Receiving payment financial information for the remitter from the financial institution according to the search result, and transmitting the payment financial information and the payment input request message according to the payment information selected by the remitter to the sender's mobile terminal (step 604). Done.

When the payment information is input through the sender's mobile terminal and transmitted to the payment server, the payment server receives the transmitted payment information (step 605) and sends a payment real-time number guide message to the sender's mobile terminal. The transmission (step 606).

When the payment real-time number is input through the sender's mobile terminal and transmitted to the payment server, the payment server receives the transmitted payment real-time number (step 607), and determines whether the received payment real-time number is normal. Judgment (step 608) is made. On the other hand, if the received number is not normal, as a result of the determination, an error message may be configured and transmitted to the sender mobile communication terminal (step 609).

If the settlement real-time number received as a result of the determination is normal, the collector's account is inquired through the financial institution (step 610). In this case, since the caller is already set up through the mobile communication terminal between the sender and the receiver, when the payment request of the sender is approved, the payment server transmits the mobile communication telephone number of the payee through the mobile communication network. Through the account information of the collector can be inquired.

After the account for the collector is inquired, the payment server transmits a password input request message for payment to the collector's mobile terminal (step 611).

Then, the payment server receives the password entered through the receiver's mobile terminal (step 612), and determines whether it is normal and transfers the corresponding amount from the sender's account to the collector's account (step 613). .

When all payment procedures through two-way authentication are completed as described above, a payment processing completion message is transmitted to the sender and the receiver's mobile communication terminal (step 614).

As described above, the procedure performed in the remitter, the remitter, and the payment server according to the two-way authentication payment service of the present invention has been described. Hereinafter, examples of a situational service implementation according to a call according to an embodiment of the present invention will be described with reference to FIGS. 7 to 10.

<First Embodiment-Two-Way Payment after Ending Call Using Voice and Data Exchange by S / W Payment Module>

7 is a flowchart illustrating a two-way authentication payment processing procedure by a temporary call termination method according to a first embodiment of the present invention.

Referring to FIG. 7, a two-way authentication payment according to an embodiment of the present invention may be performed by a request of a sender or a receiver during a call between a caller and a receiver (step 701).

That is, a caller who wants to transfer money during a call inputs a payment request signal (or number) through his mobile terminal user input interface (ie, an input device such as a keypad) (step 702). In response to the payment request input signal, the payment module provided in the mobile communication terminal outputs a message requesting input of a payment amount (step 703) through the display device of the mobile communication terminal. That is, for the service according to the embodiment of the present invention, the mobile communication terminal should be provided with a predetermined payment module in hardware or software, and display appropriate interface means according to the payment service request of the service user.

On the other hand, the sender who wants to send money inputs the payment amount through the payment amount input box displayed on the mobile communication terminal (step 704), and the terminal payment module requests a payment method selection (step 705). The sender selects a payment method (step 706), and performs a payment request (step 708) according to a request for confirming a payment request (step 707) of the terminal payment module.

In response to the payment request, the terminal payment module transmits the caller ID (ie, Caller ID (CID)), the identification number of the current call recipient, and the payment amount to the payment server according to the present invention (step 709).

The payment server, having received the transmitted information, stores and confirms payment information (step 710), and confirms whether to subscribe to the two-way authentication payment service through caller information (step 711). In addition, it is checked whether the receiver subscribes to the two-way authentication payment service through the information on the receiver (step 712).

If it is confirmed that the payment server is a normal subscriber, in order to inquire the sender's payment account, a request for confirmation (step 713) of the balance of the payment amount of the sender to a financial company or a payment institution and a virtual account is performed. In response to the request, the financial company or payment institution and the virtual account confirm the balance of the payment amount of the sender (step 714) and transmit the result to the payment server (step 715).

If it is determined that payment is possible by checking the balance of the payment amount of the received caller, the caller is informed that payment is possible to the mobile communication terminal (step 716).

Then, the caller's terminal payment module notifies the call module of the payment access (step 717), and the call module notifies the mobile communication network of the call termination with the receiver for payment service (step 718).

The mobile communication network receiving the call termination message performs a call termination (step 719) to the mobile communication terminal of the receiver. Accordingly, the caller's mobile communication terminal receives a call waiting sound or is notified of the call termination (step 720).

Meanwhile, the voice exchange of the payment server transmits a new call connection signal (step 721) to provide the two-way authentication payment service according to the present invention to the receiver mobile communication terminal. Accordingly, the receiver makes a call connection with the payment server (step 722), and the voice exchange of the payment server notifies the payment server of the connection with the receiver (step 723).

The payment server notified of the call connection with the receiver transmits a receiver password request message through voice guidance to the receiver's mobile communication terminal (step 724). The receiver performs a dual tone multi frequency (DTMF) password or other password input through a number input through his mobile terminal (step 725).

The payment server checks the input password (step 726) and terminates the call with the receiving mobile terminal (step 727).

Then, the payment server transmits the receiver payment information (ie, the recipient name, account name, payment amount, etc.) and payment confirmation request message to the payment module of the sender mobile communication terminal (step 728). The terminal payment module displays payment information confirmation and payment password or password request (step 729) through a user input interface. Accordingly, the caller inputs a payment password or a password through the user input interface (step 730), and the input information is transmitted to the payment server (step 731).

The payment server checks the payment password received from the caller mobile communication terminal (step 732), and then requests payment approval (step 733) to a financial company. The various financial companies or payment institutions and virtual accounts described above perform a payment approval check and approval (step 734) in response to a request of the payment server, and make a payment (step 735) according to the corresponding contents. Accordingly, the payment institution transmits a payment approval message indicating that the payment is normally approved to the payment server (step 736).

The payment server receives and stores the payment approval message (step 737), and notifies the caller's mobile terminal of the payment approval (step 738).

On the other hand, since the two-way authentication payment is completed by the above procedure, the call is connected to enable the call between the caller and the receiver again.

That is, a call connection between the sender's mobile terminal and the receiver's mobile terminal is performed (step 739), so that the voice signal transmitted through the caller's mobile terminal (step 740) is exchanged through a payment server (step 741). After that, it is transmitted to the receiver's mobile terminal (step 742), and the voice signal transmitted through the receiver's mobile terminal (743) is exchanged by the payment server (step 744) and then sent to the caller's mobile terminal. Is sent (step 745).

<Second Embodiment-Interactive Call in Call Using Voice and Data Exchange by S / W Payment Module>

8 is a flowchart illustrating a two-way authentication payment processing procedure using a payment method during a call according to a second embodiment of the present invention.

Referring to FIG. 8, although FIG. 7 temporarily terminates a call between a sender and a receiver during a payment process in order to perform two-way authentication payment according to the present invention, the method according to the second embodiment of the present invention maintains the call. In one state, the two-way authentication payment is performed.

First, a caller who wants to transfer funds to the caller and the receiver during a call (step 801) inputs a payment request signal (or number) through his mobile terminal user input interface (ie, an input device such as a keypad) ( Step 802). In response to the payment request input signal, the payment module provided in the mobile communication terminal outputs a message requesting input of a payment amount (step 803) through the display device of the mobile communication terminal. That is, for the service according to the embodiment of the present invention, the mobile communication terminal should be provided with a predetermined payment module in hardware or software, and display appropriate interface means according to the payment service request of the service user.

On the other hand, the sender who wants to send money inputs the payment amount through the payment amount input box displayed on the mobile communication terminal (step 804), and the terminal payment module requests a payment method selection (step 805). The sender selects a payment method (step 806), and performs a payment request (step 808) in response to a payment request confirmation (step 807) request of the terminal payment module.

In response to the payment request, the terminal payment module transmits the caller ID (ie, Caller ID (CID)), the identification number of the current call recipient, and the payment amount to the payment server according to the present invention (step 809).

The payment server, having received the transmitted information, stores and confirms payment information (step 810), and confirms whether to sign up for the two-way authentication payment service through caller information (step 811). In addition, through the information on the receiver it is confirmed whether the receiver subscribes to the two-way authentication payment service (step 812).

If it is confirmed that the payment server is a normal subscriber, in order to inquire the sender's payment account, a confirmation request (step 813) of the balance amount of the sender's payment is made to a financial institution or a payment institution and a virtual account. The financial institution or payment institution and the virtual account check the balance of the sender's payment amount according to the request (step 814) and transmit the result to the payment server (step 815).

On the other hand, according to the second embodiment of the present invention, instead of ending the call temporarily, the mobile phone switches to the call waiting state through the call waiting sound output to perform the two-way authentication payment according to the present invention.

That is, the payment server performs the caller connection request (step 816) to the payment server text / voice announcement and exchange, and the payment server text / voice announcement and the exchange requests a connection between the sender and the receiver to the mobile communication network (817) Step).

The mobile communication network receives the caller connection request message and outputs a call waiting sound to the mobile communication terminals of the caller and the receiver, respectively (step 818). Thereafter, the mobile communication network notifies the payment server text / voice announcement and connection to the exchange (step 819).

The payment server text / voice guidance and exchange receives the connectable notification message and transmits a caller connection and voice guidance caller password request message and a receiver connection and voice guidance recipient password request message to the sender and the receiver, respectively (820). , Step 821).

The payment server text / voice guidance and exchange receives a DTMF password or other ciphered input signal from the sender and the receiver, respectively (steps 822 and 824), and confirms each received input password (steps 823 and 825). .

If there is no abnormality as a result of the check, the payment server text / voice guidance and exchange transmits payment information to the payment server (step 826). After receiving the payment information, the payment server checks and stores the received payment information (step 827), and then makes a payment approval request (step 831) to a financial institution or a payment period and a virtual account.

At this time, the payment server text / voice guidance and exchange to notify the connection of the receiver and the sender to the mobile communication network (step 828), the mobile communication network by connecting the call of the receiver and the caller according to the notification (step 829), A call between the sender's mobile communication terminal and the receiver's mobile communication terminal (step 830) may be performed.

On the other hand, the financial institution or payment institution received the payment approval request from the payment server checks and approves the payment approval message (step 832) and then pays the corresponding amount (step 833). Then, a payment approval notification message indicating that the payment has been completed normally is transmitted to the payment server (step 834), and the payment server receives and stores the transmitted payment approval information (step 835).

In addition, the payment server requests payment information to the payment server text / voice guidance and exchange to transmit information about the payment to each sender and receiver (step 836). Finally, the payment server text / voice guidance and exchange to transmit the payment information (ie name, account name, payment amount, etc.) to the mobile communication terminal of each sender and receiver via SMS (steps 837 and 838). do.

<Third embodiment-two-way payment through voice and data exchange by text message call>

9 is a flowchart illustrating a two-way payment processing procedure through voice and data exchange by text message call according to a third embodiment of the present invention.

Referring to FIG. 9, in FIG. 8, a payment procedure during a call is performed to perform a two-way authentication payment according to the present invention, and a call waiting service is performed through a mobile communication network to maintain a call waiting state. After the payment procedure was performed, the method according to the third embodiment of the present invention first makes a payment request from the sender, and then a call with the receiver is started after the caller's payment account is inquired.

That is, in the first and second embodiments described above with reference to FIGS. 7 and 8, a call proceeds first, and when the caller requests payment from the receiver during the call, the call is paused or the call is waiting. In the third embodiment of FIG. 9, the payment request is made before the call is made. In the third embodiment of FIG. 9, when the payment request is made through the payment account inquiry, the call connection with the receiver is performed. Through two-way authentication payment service will proceed.                     

First, a caller who wants to transfer money while the call is not yet connected, inputs a payment request signal (or number) through his mobile terminal user input interface (ie, an input device such as a keypad) (step 901). Done. In response to the payment request input signal, the payment module provided in the mobile communication terminal outputs a message requesting input of a payment amount (step 902) through the display device of the mobile communication terminal. That is, for the service according to the embodiment of the present invention, the mobile communication terminal should be provided with a predetermined payment module in hardware or software, and display appropriate interface means according to the payment service request of the service user.

On the other hand, the sender who wants to transfer money enters the payment amount through the payment amount input box displayed in the mobile communication terminal (step 903), and the terminal payment module requests a payment method selection (step 904). The sender selects a payment method (step 905), and performs a payment request (step 907) according to a request for confirming a payment request (step 906) of the terminal payment module.

In response to the payment request, the terminal payment module transmits the caller ID (ie, Caller ID (CID)), an identification number of the receiver who wants to conduct a financial transaction such as money transfer, and the payment amount to the payment server according to the present invention. Step 908).

The payment server receiving the transmitted information stores and confirms the payment information (step 909), and confirms whether or not to subscribe to the two-way authentication payment service through the caller information (step 910). As a result of the check, if the caller does not subscribe to the two-way authentication payment service, a subscription request message is transmitted to the caller's mobile terminal (step 911). On the other hand, if the caller is the user who subscribed to the two-way authentication payment service, as a result, the receiver checks whether the subscriber subscribes to the two-way authentication payment service through the information on the received receiver (step 912).

If it is confirmed that the payment server is a normal subscriber, in order to inquire the sender's payment account, a confirmation request (step 913) of the balance amount of the sender's payment is made to a financial company or a payment institution and a virtual account. The financial company or payment institution and the virtual account confirm the balance of the payment amount of the sender according to the request (step 914) and transmit the result to the payment server (step 915).

As a result of checking the payment amount balance, when the balance for the payment amount is insufficient, the payment server transmits a balance confirmation request and payment error notification (step 916) message to the sender's mobile communication terminal. However, when a balance remains in another payment account, it may be implemented to process the payment by inquiring the other payment account.

Meanwhile, since a call for a call is not currently formed between the sender and the receiver according to the third embodiment of the present invention, the caller performs a caller connection request (step 917) to the payment server text / voice guidance and the exchange, and the payment The server text / voice guidance and exchange request the connection to each caller mobile terminal and the receiver mobile communication terminal (steps 918 and 919). On the other hand, the payment server is capable of processing data as well as text and voice.

In response to the request, when a connection response signal is received from both the sender and the receiver (steps 920 and 921), the payment server text / voice guide and the exchange transmits a connection notification message to the payment server (step 922). do. Then, a telephone connection is performed between the sender's mobile terminal and the receiver's mobile terminal (steps 923 and 924).

Then, the payment server text / voice announcement and exchange transmits a caller connection and voice guidance caller password request message and a receiver connection and voice guidance recipient password request message to the caller and the receiver, respectively (steps 825 and 826). .

The payment server text / voice guidance and exchange receives a DTMF password or other cipher input signal from the sender and receiver, respectively (steps 927 and 929), and confirms each received input password (steps 928 and 930). .

If there is no abnormality as a result of the confirmation, the payment server text / voice guidance and exchange transmits payment information to the payment server (step 931). After receiving the payment information, the payment server checks and stores the received payment information (step 932), and makes a payment approval request (step 935) to a financial institution or a payment period and a virtual account.

In this case, the payment server text / voice guide and the exchange connect the call of the receiver and the caller (step 933), so that the call (step 934) between the caller's mobile communication terminal and the receiver's mobile communication terminal may proceed.

On the other hand, the financial institution or payment office receiving the payment approval request from the payment server checks and approves the payment approval message (step 936), and then pays the corresponding amount (step 937). Then, a payment approval notification message indicating that the payment has been completed normally is transmitted to the payment server (step 938), and the payment server receives and stores the transmitted payment approval information (step 939).

In addition, the payment server requests payment information to the payment server text / voice guidance and exchange to transmit information about the payment to each sender and receiver (step 940). Finally, the payment server text / voice guidance and exchange to transmit the payment information (that is, name, account name, payment amount, etc.) to the mobile communication terminal of each sender and receiver via SMS (steps 941 and 942). do.

Fourth Embodiment-Bidirectional Payment by Sender's Payment Request Using Text Message

10 is a flowchart illustrating a two-way authentication payment processing procedure by a sender's payment request method using a text message according to a fourth embodiment of the present invention. In this case, the text message may be understood as a concept encompassing data communication means.

Referring to FIG. 10, unlike in the first to third embodiments, the sender requests payment through a text message to the receiver, and then connects a call between the sender and the receiver to perform a two-way authentication payment process according to the present invention. Done. That is, after requesting a deposit through a text message or the like to receive money transfer, the call is connected through an authentication process of a payment server, and payment is performed by a two-way authentication process according to the present invention.

First, a caller who wants to receive money transfer while the call is not yet connected, inputs a payment request signal (or number) through his mobile terminal user input interface (ie, an input device such as a keypad) (step 1001). Done. In response to the payment request input signal, a payment module provided in the mobile communication terminal outputs a message requesting input of a payment amount (step 1002) through the display device of the mobile communication terminal. That is, for the service according to the embodiment of the present invention, the mobile communication terminal should be provided with a predetermined payment module in hardware or software, and display appropriate interface means according to the payment service request of the service user.

On the other hand, the sender who wants to receive the remittance from the receiver enters the payment amount through the payment amount input field displayed on the mobile communication terminal (step 1003), and the terminal payment module requests to select the account of the sender to receive the payment (step 1004). do. The sender selects or inputs his own deposit account (step 1005), and according to a request for inputting a receiver request number (information) of the terminal payment module and a request for input of a payment request message to the receiver (step 1006), Information) (step 1007).

According to the input information, the terminal payment module transmits the caller ID (ie, Caller ID (CID)), a recipient identification number, a payment amount, etc. to a payment server according to the present invention by means of SMS (step 1008). )                     

The payment server receiving the burned information stores and confirms the payment information (step 1009), and confirms whether or not to subscribe to the two-way authentication payment service through the caller information (step 1010). As a result of the check, if the caller does not subscribe to the two-way authentication payment service, a subscription request message is transmitted to the caller's mobile terminal (step 1011). On the other hand, if the caller is a user who subscribed to the two-way authentication payment service, the caller checks whether the recipient subscribes to the two-way authentication payment service through the information on the received recipient (step 1012).

Then, according to the fourth embodiment of the present invention, the payment server requests to transmit payment request information to the mobile communication terminal of the receiver to the payment server text / voice announcement and the exchange (step 1013).

The payment server text / voice guidance and exchange receiving the request information generates a one-time telephone number (ie, temporary telephone number) used for payment confirmation of the receiving side according to the fourth embodiment of the present invention (step 1014). ) Then, the payment server transmits the one-time telephone number to be accessed by the generated receiver (step 1015), and the payment request information including the one-time telephone number to be connected to the payment server to the receiver mobile communication terminal. Is transmitted through a means such as SMS (step 1016).

The receiver checks the text message including the one-time telephone number information and the payment request information received by the mobile communication terminal (step 1017), and checks the payment request message transmitted by the caller (step 1018). . Then, the receiver enters payment (step 1019), and connects to the payment server text / voice guidance and exchange through the received one-time payment exchange phone number (step 1020).

The payment server text / voice guidance and exchange checks the sender according to the connection from the receiver mobile communication terminal (step 1021), and notifies the payment server that the payment response of the receiver has been received for the payment request of the sender. (Step 1022).

The payment server confirms whether the receiver subscribes to the service (step 1023) and the account of the receiver through the receiver information (step 1024). Then, if it is confirmed that the payment server is a normal subscriber, in order to inquire the payment account of the recipient, a request for confirmation of the balance of the payment amount of the recipient to a financial institution or a payment institution and a virtual account (step 1025). Done. The financial company or payment institution and the virtual account check the payment balance of the receiver according to the request (step 1026) and transmit the result to the payment server (step 1027).

The payment server checks the payment amount balance of the receiver and determines whether payment is possible (step 1028). As a result of the determination, if the balance is insufficient and payment is not possible, a balance confirmation request and a payment error notification message are transmitted to the receiver mobile communication terminal (step 1029).

If payment is possible at the payment server, the caller is connected to the payment server text / voice announcement and the exchange because a call for a call is not currently formed between the sender and the receiver according to the fourth embodiment of the present invention. A request (step 1030) is performed, and the payment server text / voice guide and the exchange request a connection (step 1031, 1032) to each caller mobile terminal and a receiver mobile communication terminal.

According to the request, when a connection response signal is received from both the sender and the receiver (steps 1033 and 1034), the payment server text / voice guide and the exchange transmits a connection notification message to the payment server (step 1035). . Then, a telephone connection is performed between the sender's mobile terminal and the receiver's mobile terminal (steps 1036 and 1037).

Then, the payment server text / voice announcement and exchange transmits a caller connection and voice guidance caller password request message and a receiver connection and voice guidance recipient password request message to the caller and the receiver, respectively (steps 1038 and 1039). .

The payment server text / voice guidance and exchange receives a DTMF password or other cipher input signal from the sender and the receiver, respectively (steps 1040 and 1042), and confirms each received input password (steps 1041 and 1043). .

If there is no abnormality as a result of the confirmation, the payment server text / voice guidance and exchange transmits payment information of the receiver to the payment server (step 1044). After receiving the payment information, the payment server checks and stores the received payment information (step 1045), and makes a payment approval request (step 1048) to a financial institution or a payment period and a virtual account.

In this case, the payment server text / voice guide and the exchange connect the call of the receiver and the caller (step 1046), so that the call between the caller's mobile communication terminal and the receiver's mobile communication terminal (step 1047) may proceed.

On the other hand, the financial institution or payment institution received the payment approval request from the payment server checks and approves the payment approval message (step 1049) and then pays the corresponding amount (step 1050). Then, a payment approval notification message indicating that the payment has been completed normally is transmitted to the payment server (step 1051), and the payment server receives and stores the transmitted payment approval information (step 1052).

In addition, the payment server requests payment information to the payment server text / voice guidance and exchange to transmit information about the payment to each sender and receiver (step 1053). Finally, the payment server text / voice guidance and exchange to transmit the payment information (that is, name, account name, payment amount, etc.) to the mobile communication terminal of each sender and receiver via SMS (step 1054, 1055). do.

On the other hand, in the embodiment of the present invention has been described with respect to specific embodiments, various modifications are possible without departing from the scope of the invention. Therefore, the scope of the present invention should not be limited to the described embodiments, but should be defined not only by the appended claims, but also by those equivalent to the claims.

According to the present invention, there is an advantage that the free payment in both directions easily through a mobile communication terminal. In addition, there is an advantage that a more secure financial transaction is possible by performing two-way authentication in accordance with the present invention. In addition, the financial transaction according to the present invention can be easily implemented without additional system construction cost, there is an advantage that can be safely traded than the micro payment technology through the conventional mobile communication terminal.

On the other hand, since the financial transactions between the sender and the receiver, or during a telephone call, a reception / outgoing call, or even after the end of the call are possible, there is an advantage that the financial transaction can be made more easily and reliably.

Claims (24)

In the payment system for performing a financial transaction between the sending mobile terminal and the receiving mobile terminal through the mobile communication system, Establishes a call connection between the transmitting mobile terminal and the receiving mobile terminal, and is connected to a mobile communication network that processes data transmission and reception between each other; Query the payment account of the sender and the receiver through a financial institution, perform a payment request to the financial institution according to the payment request of the sender or the receiver, And a payment server for processing the requested financial transaction between the sending terminal and the receiving terminal by requesting and confirming predetermined authentications to the sending terminal and the receiving terminal, respectively. Certified payment system. The method of claim 1, The system, A financial institution that inquires a payment account of the sender or a receiver according to a payment account inquiry request of the payment server, transmits the result to the payment server, and performs a corresponding payment according to the payment request of the payment server; Two-way authentication payment system through a mobile terminal, characterized in that further comprises. The method of claim 1, And a payment process is initiated by transmitting a predetermined integrated payment number to the payment server through a remitter-side mobile communication terminal to which funds are to be remitted. The method of claim 1, And a payment is approved by transmitting a predetermined password to the payment server through a receiver-side mobile communication terminal to receive money transfer. The method of claim 1, The payment server checks the payment account of the sender side to transfer funds, and if the payment amount is insufficient, the balance check request or payment error notification message is transmitted to the sender side mobile communication terminal. Two-way certified payment system. The method of claim 1, The payment server transmits a predetermined payment real time number guide message to the sender mobile terminal and / or the receiver mobile communication terminal, and performs a payment procedure only when a normal payment real time number is received according to the payment real time number guide. Two-way authentication payment system through a mobile terminal, characterized in that proceeding. The method of claim 1, The payment procedure between the transmitting mobile terminal and the receiving mobile terminal is performed in a state in which a call between the terminals is in progress. The method of claim 1, The payment procedure between the transmitting mobile terminal and the receiving mobile terminal is performed in a state where a call between the terminals is set. The method of claim 8, The payment procedure between the transmitting mobile terminal and the receiving mobile terminal is performed in a state in which a call between the terminals is paused. The method of claim 8, The payment procedure between the transmitting mobile terminal and the receiving mobile terminal is performed while the call between the terminals is in a call waiting state. A payment method for performing a financial transaction between terminals in a state in which a communication path between a transmitting mobile terminal and a receiving mobile terminal is established through a mobile communication system, Receiving caller information, an identification number of a payee who wants to receive money, and a payment amount from a sender's mobile terminal to which the money is to be remitted; Checking whether the payment is possible by checking an account of the remitter; If payment is possible as a result of the check, requesting authentication from the mobile communication terminal of the collector; And And if there is no abnormality in the authentication result, performing the requested payment. 2. The method of claim 11, The payment method is a two-way authentication payment method using a mobile communication terminal, characterized in that the call is carried out in a suspended state. The method of claim 11, The payment procedure is a two-way authentication payment method through a mobile terminal, characterized in that the call between the terminals is performed in a call waiting state. The method of claim 11, After the check availability step, Transmitting a predetermined payment real-time number guide message to a sender mobile communication terminal and / or the payee mobile communication terminal; And Receiving a payment real-time number from the sender mobile communication terminal and / or the payee mobile communication terminal, and determining whether the received number is normal; and bidirectionally through the mobile communication terminal further comprising: Certified payment method. The method of claim 11, After the payment step, Two-way authentication payment method through a mobile communication terminal, characterized in that notifying the payment result to the sender mobile communication terminal and / or the recipient mobile communication terminal. The method of claim 15, The notification is a two-way authentication payment method through a mobile terminal, characterized in that implemented via a short message. In the payment method for performing a financial transaction between the sending mobile terminal and the receiving mobile terminal through a mobile communication system, Receiving, via a text message, information on the caller from the sender's mobile terminal to which the money is to be remitted, the identification number of the remitter to be remitted and the payment amount; Checking whether the payment is possible by checking an account of the remitter; Performing a call connection between the sender's mobile communication terminal and the payee's mobile communication terminal when payment is possible as a result of the checking; Requesting authentication from the recipient's mobile communication terminal; And And if there is no abnormality in the authentication result, performing the requested payment. 2. The method of claim 17, After the check availability step, Transmitting a predetermined payment real-time number guide message to a sender mobile communication terminal and / or the payee mobile communication terminal; And Receiving a payment real-time number from the sender mobile communication terminal and / or the payee mobile communication terminal, and determining whether the received number is normal; and bidirectionally through the mobile communication terminal further comprising: Certified payment method. The method of claim 17, After the payment step, Two-way authentication payment method through a mobile communication terminal, characterized in that notifying the payment result to the sender mobile communication terminal and / or the recipient mobile communication terminal. The method of claim 19, The notification is a two-way authentication payment method through a mobile terminal, characterized in that implemented via a short message. In the payment method for performing a financial transaction between the sending mobile terminal and the receiving mobile terminal through a mobile communication system, Receiving, via a text message, caller information, a billing identification number, and payment information from a mobile communication terminal of a payment requester requesting to receive a payment; Generating a predetermined temporary telephone number and transmitting the predetermined temporary telephone number together with payment request information to the mobile terminal of the payer; Receiving payment information of a payer connected through the temporary telephone number and checking whether the payment is possible by checking an account of the payer; Performing a call connection between the payment requester's mobile communication terminal and the payer's mobile communication terminal when payment is possible as a result of the checking; Requesting authentication from the mobile communication terminal of the payer; And And if there is no abnormality in the authentication result, performing the requested payment. 2. The method of claim 21, After the check availability step, Transmitting a predetermined payment real-time number guide message to a sender mobile communication terminal and / or the payee mobile communication terminal; And Receiving a payment real-time number from the sender mobile communication terminal and / or the payee mobile communication terminal, and determining whether the received number is normal; and bidirectionally through the mobile communication terminal further comprising: Certified payment method. The method of claim 21, After the payment step, Two-way authentication payment method through a mobile communication terminal, characterized in that notifying the payment result to the sender mobile communication terminal and / or the recipient mobile communication terminal. The method of claim 23, The notification is a two-way authentication payment method through a mobile terminal, characterized in that implemented via a short message.

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