KR100682393B1 - Electronic payment method and electronic payment server using electronic slip - Google Patents

Abstract

The present invention relates to a method in which a user's mobile communication terminal and an electronic payment server directly electronically settle a transaction amount generated between a user and an affiliated store using a predetermined electronic slip. Presented. The payment process for a temporary transaction includes a membership registration step of receiving membership registration from a user and a merchant, receiving a payment request for a transaction, a transaction item, a sign item for approval, and a payment. An electronic slip transmission step of generating an electronic slip including a selection item of this system and an electronic slip number and transmitting it to the user's mobile communication terminal, and receiving a predetermined approval electronic slip from the user's mobile communication terminal with an electronic slip approval mark. Receiving approval electronic slip receiving step, and the payment settlement step of completing the transfer of the payment amount by requesting the financial institution server to transfer the payment amount from the account in the transfer account item in the approval electronic slip to the deposit account of the merchant; After that, the payment completion notification step of notifying the user and the merchant with the completed payment details that the payment is completed It includes.

Electronic slip, electronic payment, mobile communication terminal, mobile phone, product transaction, electronic commerce

Description

Electronic settlement method and server using an electronic slip}             

1 and 2 are flowcharts showing a conventional electronic payment step.

3 is a block diagram illustrating an internal configuration of an electronic payment server according to the present invention.

4 is an exemplary configuration diagram of an electronic slip displayed on a display window by being transmitted to a user mobile communication terminal according to the present invention.

5 is a flowchart illustrating a step in which electronic payment is performed according to the present invention for a temporary transaction.

6 is a flowchart illustrating a step in which electronic payment is performed according to the present invention for a regular transaction.

7 is a flowchart illustrating a step in which an electronic payment is performed according to the present invention for a continuous transaction.

* Description of the symbols for the main parts of the drawings *

S502: Payment request S504: Electronic slip transmission

S506: Return of approved electronic slip S508: Transfer order

S510: Transfer completion notice S512a, S512b: Payment completion notice

The present invention relates to a method in which a user's mobile communication terminal and an electronic payment server directly electronically settle a transaction amount generated between a user and an affiliated store using a predetermined electronic slip. Presented.

Commerce is usually accomplished by delivering goods and paying the delivery price for the purpose of trading the goods. Such a commerce has been developed to be possible online through the development of wired / wireless communication network and internet communication network, and the concept of electronic commerce has been derived.

Such e-commerce has been developed in the form of buying and selling goods between companies, thanks to the development of Electronic Data Interchange (EDI). That is, it developed from the 1: 1 or 1: N trading relationship to the complex trading relationship of N: N in recent years. E-commerce is actively being conducted for a large number of unspecified individuals or even between individuals.

A typical example of such e-commerce is that a purchaser makes a purchase by purchasing a product on the Internet web and entering his or her credit information and the expiration date of the card on the Internet site, and in the case of home shopping, call the home shopping company and make a credit For example, payment is made by giving credit card information and the expiration date of the card.

Furthermore, in recent years, various payment methods using a mobile communication terminal have been proposed due to the improvement of the function of a personal portable terminal due to the development of information and communication technology. One embodiment of a payment method using a mobile communication terminal is to perform a payment using a user terminal after signing a product purchase contract by accessing a merchant website as described in Korean Patent Application No. 10-1999-0063144. .

When the flow of an embodiment of the present invention is outlined with reference to FIG. 1, a user who wants to purchase a specific product accesses a merchant website and selects a specific product, and a predetermined amount of money is charged to be used for electronic money. Enter the terminal number and password on the merchant website (S100). The affiliated store makes a payment request (S102) to the electronic payment server with the input transaction number and the password of the commodity transaction amount, and the electronic payment server receiving the payment request generates an authentication number and transmits it to the user terminal (S104). )do.

If the user enters the authentication number received in the website on the merchant host (S106), the merchant transmits the authentication number to the electronic payment server (S108). The electronic payment server receiving the authentication number notifies the affiliated store that the transaction approval is completed after performing the electronic payment of the predetermined payment amount to the affiliated store in the amount previously charged in the corresponding terminal (S110).

However, the above-described method has a problem in that it is inconvenient to go through a preceding procedure such as charging the amount of money because it is necessary to charge the amount in advance. In addition, the user receives only the authentication number without knowing the detailed transaction details of the product to be purchased and inputs it back to the merchant website. Therefore, when purchasing multiple products at the same time in various Internet shopping malls, Difficult to receive, there is a fear that there is an error in entering the authentication number.

In addition, the payment application is made through the affiliated store, and for the above-mentioned payment application, the user is informed of not only his / her mobile communication terminal number but also personal information such as a password to a third party merchant, In addition, since the present invention takes a prepaid settlement method of making a payment without confirming the actual product of the product to be purchased, if there is a defect in the product that has been delivered after the payment is completed, it is returned or canceled. There was a hassle of having to refund the prepaid product purchase paid.

In order to solve the above problems, the flow of an embodiment of the invention filed by the applicant (Domestic Application No. 10-2001-0066370) is shown in FIG. 2.

After the user confirms the product to purchase on the website or the TV shopping mall, the user directly logs into the website of the electronic payment server using his mobile communication terminal and selects the electronic payment from the list of the electronic system number or credit card number displayed. The payment request (S200) is made to the electronic payment server by selecting a system account to be used and entering a product merchant code and a product code. The electronic payment server transmits the electronic slip containing the transaction details (purchase shop, purchase shop phone number, purchased product type, quantity, unit price, transaction time, etc.) and the electronic slip number to the user's mobile communication terminal (S202). Check the transaction details contained in the received electronic slip and if the transaction is judged to be correct, enter the electronic slip number of the received electronic slip into the website of the electronic payment server or press a specific key on the mobile terminal to approve the correctness of the electronic slip. Send to the electronic payment server (S204).

After the approval of the electronic slip as described above, the electronic payment server transfers the product purchase amount from the user account to the virtual deposit account (S206, S208), and then notifies the merchant owner of the purchase product details and the temporary payment (S210). The merchant owner will deliver the product to the user according to the received product details (S212), and the user checks the received product and checks the received goods if the product is intact and the delivery slip is notified that the delivery is completed successfully. When the electronic payment server receives the delivery slip from the user, the payment amount in the virtual deposit account is transferred to the merchant account (S218, S220), and the merchant is notified to the merchant. (S222)

By the way, the conventional electronic commerce inventions, including the application number 10-1999-0063144 invention and the application number 10-2001-0066370 invention in the above example has the following problems in electronic payment.

First, in order to purchase a product in an Internet shopping mall, it is inconvenient to log in to the shopping mall webpage and input necessary personal information in case of 10-1999-0063144 application invention, and in case of 10-2001-0066370 application invention, There was an inconvenience in the procedure of logging in to the website of the electronic payment server and inputting necessary information. That is, the conventional e-commerce invention requires logging in to a website on the Internet and inputting necessary information. Therefore, in order to implement the invention, a method of making a payment using only a mobile communication terminal is not required. Did.

Second, in the conventional electronic commerce invention, in order to perform the electronic payment, the user has to enter the authentication number or the electronic slip number received from the mobile communication terminal again on the merchant website or the electronic payment website.

Third, in the case of a continuous transaction in which a product purchase is continuously performed or a regular transaction in which a regular payment is to be made, there is a difficulty in implementing the technology due to the complexity of the conventional electronic payment method.

Fourth, in the case of the present application No. 10-1999-0063144, in order to perform an electronic payment, a user has a problem of notifying his / her terminal number as well as his / her personal information such as a specific password to a third party affiliate.

The present invention has been proposed to solve the above problems, the present invention is to solve the following technical problems by performing the electronic payment by using only the mobile communication terminal for each transaction.                         

First, the present invention, unlike the prior art that requires access to a separate website for each transaction occurs and input the necessary information (authentication number, document number), electronic payment using only the user's mobile communication terminal without a separate website access By doing so, the complexity of the electronic payment procedure can be achieved by avoiding the complexity of the conventional electronic payment procedure.

Second, in order for the user to approve the electronic payment, in the past, the authentication number and the like should have been written in a specific website. However, the present invention provides the electronic payment server by confirming the approval (electronic signature) on the electronic slip on the mobile communication terminal. By returning to, it is possible to check the digital signature in checking the approval of the transaction in the future and to improve the accuracy of the approval.

Third, the present invention, because the payment is made directly between the user and the electronic payment server using the electronic slip, it is an object of the real-time electronic payment to be carried out also in the regular and continuous transactions.

In order to achieve the above object, the present invention, the electronic payment server, in order to perform the electronic payment for a specific transaction, the member registration step of receiving a member registration from the user and the merchant to perform the electronic payment, and the regular payment between the specific user and the merchant In the case of a contract for providing a regular transaction, a payment request receiving step for receiving a payment request for a corresponding transaction price from a terminal in a merchant when a specific payment time arrives, and for a periodic transaction for providing regular payment from a merchant terminal. If there is a request for payment, the transaction details are sent to the user to confirm that the transaction details are correct, and then the transaction history item, the sign item functioning as an approval function, the transfer system account item to be used for payment, and the electronic document number. Generates an electronic slip and transmits the electronic slip to the user's mobile communication terminal; Receiving approval electronic slip receiving the approval electronic slip from the user's mobile communication terminal, including a table transmission step, a sign item marked with approval, and a two-point account item containing a two-digit account to be used for payment, and the approval electronic slip The payment step of completing the transfer of the payment amount by requesting the financial institution server to transfer the payment amount from the account in the item of the transfer system to the merchant's deposit account, and after the transfer is completed, the payment is completed to the user and the merchant. A payment completion notification step of notifying with payment details is provided.

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

3 is an internal configuration block diagram of an electronic payment server for performing electronic payment according to the present invention.

The network interface unit 302 is composed of a wired / wireless network connection module to perform network connection with the outside. The wired network access module may be a module that supports the TCP / IP network protocol to access the Internet network, or may be a module that supports a public telephone network (PSTN) connection. It performs the function of supporting access to mobile communication network. Through such a network interface unit, the electronic payment server can exchange necessary data with terminals of each affiliated store and user. On the other hand, the network interface unit 302 not only connects to a wired / wireless network but also supports connection with a satellite communication network such as a GPS system in some cases so as to communicate with affiliated stores and users.

When the electronic slip processing unit 304 receives a payment request for a specific transaction from the user, the electronic slip processing unit 304 generates a details related to the corresponding payment as an electronic slip and transmits the details to the user and stores the electronic slip details in the electronic slip database. In addition, when an approval electronic slip with a sign or the like written on the received electronic slip is transmitted from the user's mobile communication terminal, the electronic slip processing unit obtains the electronic signature of the user from the user database and receives the received electronic signature. Determine whether the signature in the slip is a valid digital signature.

On the other hand, the electronic slip is an electronic document that provides the safety and convenience of electronic payment of decision making according to the transaction, and is generated and transmitted to the user every time a transaction occurs. The electronic slip includes transaction history items including transaction date, transaction party, transaction history, transaction price, etc., and this system account selection item and sign item. The item to be selected from, and the sign item is an item indicating the approval that the received electronic slip details are justified. Here, the approval mark may be approved by inputting the number of the electronic slip received by the user, or the electronic signature stored in the user's mobile communication terminal may be inserted as the approval mark.

Therefore, the user receives the electronic slip and selects the deposit account to be used for the transfer from the list of deposit accounts on the selection item of the transfer account of the electronic slip. The document will be sent to the electronic payment server.

On the other hand, the electronic slip may also include a predetermined advertising content, an embodiment of such an electronic slip is shown in FIG. The specific embodiment of the electronic slip is described in detail in the invention of 10-2001-0066370 application number filed by the present applicant, so a description thereof is omitted here. However, the electronic slip in the application of 10-2001-0066370 does not have a sign item and a two-seat account item, but the electronic slip of the present invention is characterized by additionally having a sign item 404 and a two-system seat item 402.

The encryption processing unit 306 functions to encrypt and decrypt transaction details and electronic slip numbers according to a predetermined encryption algorithm. That is, it transmits the encrypted electronic slip to the user's mobile communication terminal, and also decrypts the approval electronic slip received from the user's mobile communication terminal. If an encryption key or the like is required to perform the encryption algorithm, the encryption database 332 takes a predetermined encryption key and performs encryption and decryption.

The central processing unit 300 has a central processing unit (CPU), a process operating memory in which an operating system (OS) and a main program are embedded, and controls each of the above functional units to perform an overall flow of electronic payment.

Meanwhile, the electronic payment server stores various databases in a predetermined memory for use in performing the electronic payment service. These databases will be described.

 The electronic slip database 320 is a database storing the contents of the electronic slip after transmitting a predetermined electronic slip generated for each transaction to the user. The electronic slip stored in this way may be used later to check the electronic slip publication history.

The user database 322 stores information of customers (users) who want to use the real-time electronic slip payment service of the present invention. The user database 322 stores member information that a user who first uses the present invention inputs during membership registration. The member information includes a user name, a social security number (or social security registration number), an ID, a password, a mobile communication terminal number, and an electronic signature of the user. Here, the electronic signature is used to determine whether the electronic signature in the signature item of the approved electronic slip received from the user at the time of electronic payment is correct. In addition, a mobile communication terminal number refers to a unique identification number of a user's own wireless mobile phone (cellular phone, PCS phone, GPS phone, etc.), personal information terminal (PDA).

Merchant database 324 stores the information of the merchant receiving the present inventors real-time electronic slip payment service, merchant name, business registration number, representative name and resident registration number (or social security registration number), ID, password, merchant terminal Contains a unique number. The terminal unique number refers to all wired / wireless network communication devices such as a wired / wireless telephone number, a fax number, an e-mail address, etc. that can notify a transaction history to an electronic payment server or receive payment details from an electronic payment server.

The user account database 326 is a database that stores information related to a user's deposit, such as a user name, a bank and deposit account number or a credit card number to be used for payment, and a bank account. The electronic slip processing unit obtains the account information of the corresponding user from the user account database, forms an account list on the left selection item of the electronic slip, and transmits the account list to the user.

Merchant account database 328 stores the information about the merchant's deposit account, such as the merchant's store name (or representative's name), business registration number (or social security number), bank and deposit account number to receive payments for each merchant Database. Upon receipt of the approved electronic slip from the user, the electronic payment server transfers a predetermined payment amount from the transfer account selected by the user to the deposit account of the merchant in the deposit account database of the merchant.

The detailed payment history database 330 is a transaction date and time, the transaction amount, the user and the merchant as a transaction party, the deposit account used for payment, when the payment is completed by deposit transfer or card payment for each transaction, It is a place where detailed payment details such as transferred merchant bank accounts are stored.

The encryption database 332 is a database that stores encryption keys that are required when processing electronic slip contents and the like according to a predetermined encryption / decryption algorithm.

5, 6, and 7 illustrate an electronic payment embodiment according to the present invention. FIG. 5 illustrates a flow for a temporary transaction, FIG. 6 for a regular transaction, and FIG. 7 for a continuous transaction.

In the drawing, the user mobile communication terminal and the electronic payment server exchange data through the mobile communication network, and the merchant terminal and the electronic payment server exchange data using the wired / wireless communication network. In addition, in order to perform each electronic payment shown in Figs. 5, 6, and 7 has a step of receiving a member registration in advance. That is, in order to use the electronic payment service, the user registers with the electronic payment server and registers basic payment information for the electronic payment (user's mobile terminal number, user name, user's social security number, payment system account and credit card number list). It has a step of registering. 5, 6, and 7 the member registration step is omitted for simplicity.

Hereinafter, each electronic payment embodiment will be described with reference to the accompanying drawings.

5 is a flowchart illustrating a step of performing electronic payment according to the present invention.

When a user enters a commerce contract (S500) for purchasing a product with an affiliated store such as a tangible distribution store, an internet shopping mall or a TV shopping mall, the user informs the affiliated store only of the mobile phone terminal number thereof. The merchant makes a payment request (S502) to the electronic payment server through the wired or wireless network. At this time, when the payment request is sent along with the user name to send the electronic slip, mobile phone terminal number, payment amount, the name of the merchant requesting the payment, the purchase product name.

When the payment request is made as described above, the electronic payment server obtains the user's deposit account and credit card information from the user account database and generates an electronic slip including a selection of two system accounts consisting of a list of two system accounts. Transfer to the terminal (S504). The generated electronic slip includes transaction details such as transaction date, trading party, transaction details, and transaction price, selection of two system accounts and signature items, and the electronic slip is transferred to the user's mobile terminal and the electronic slip database is Are stored in.

The user who receives the electronic slip generates an approved electronic slip on his mobile communication terminal. The user receives the electronic slip and selects an account to be used for the transfer, and inserts a mark to approve the transaction in a sign item. Can be generated. The approval mark may be a variety of methods, such as a method of retrieving an electronic signature pre-built in the mobile communication terminal and inserting it into a sign item, or inputting the received electronic slip number as it is. In addition, the approval electronic slip may include information indicating the position value of the user's mobile communication terminal.

The user mobile communication terminal returns the approved electronic slip to the electronic payment server through the wireless communication network (S506). The approval electronic slip displays information indicating the position value of the mobile communication terminal of the user. The electronic payment server stores in the electronic slip database a sign displayed in the approved electronic slip and a selected transfer account. The sign information and account information stored in this way may be used as evidence of approval in case of dispute about whether to approve payment later.

On the other hand, upon receipt of the approved electronic slip as described above, the electronic payment server requests the financial institution server to transfer a predetermined payment amount from the bank account or the credit card account selected by the user to perform a transfer operation. (S508).

When there is a transfer completion notification (S510) from the financial institution server, the merchant and the user are notified of the payment details (S512a and 512b) so that the merchant takes over the goods to the user to complete all transactions.

On the other hand, the content shown in Figure 5 has been described as an example when the transaction is made at a specific time point between the user and the merchant, this electronic payment flow can also be applied to the regular transaction. For example, a regular activity in which a payment event occurs every certain period, such as a user having to pay a newspaper bill once a month due to a newspaper subscription contract or a user paying a car tax every six months. In the transaction contract, conventionally, the billing institution takes the form of receiving a payment from the user by directly billing the user a bill of payment such as a receipt notice or the like off-line to the user. However, in the present invention, when a certain periodic payment event occurs, the billing institution requests payment for a predetermined amount from the electronic payment server, not the user, and the electronic payment server processes the payment.

This periodic payment flow is shown in FIG.

First, the user and the merchant, which is a specific billing institution, enter into a contract (S600) to perform automatic electronic payment when a regular transaction event occurs. In other words, such as auto tax and residence tax, a regular transaction automatic settlement agreement is made between the user and the billing institution, or the user commits to the automatic subscription of newspaper subscription fees.

After the regular transaction electronic settlement contract is established, when the periodic transaction automatic settlement event occurs, the merchant requests the electronic settlement server for payment for the periodic transaction (S602). When the payment request is made, the user name, social security number, user mobile communication terminal phone number, billing institution name, and periodic transaction details are transmitted to the electronic payment server. The electronic payment server receiving this transmits the generated periodic transaction details to the user mobile communication terminal (S604). The transaction details include billing agency name, payment deadline, payment amount, etc. If the received transaction details are correct, the user returns a confirmation message to the electronic payment server that the transaction details are correct by pressing a specific key. S606). Receiving the periodic transaction history confirmation message, the electronic payment server generates an electronic slip and sends it to the user (S608), and the user creates an approved electronic slip by selecting an approval mark such as a signature on the received electronic slip and a system account to be used for payment. After returning it to the electronic payment server (S610). The approval electronic slip displays information indicating the position value of the mobile communication terminal of the user. Upon receipt of the approved electronic slip, the electronic settlement server requests a transfer from the account selected by the user to the account of the billing institution and performs the transfer (S612, S614). In addition, the user and the merchant are notified that the payment is completed (S616a, S616b).

Meanwhile, in addition to the electronic payment embodiment for the temporary transaction contract shown in FIG. 5 and the electronic payment embodiment for the regular transaction shown in FIG. 6, the electronic payment according to the present invention can be performed for the continuous transaction.

For example, suppose that a user has agreed to make payments to a particular merchant at the end of the month or at the end of the year. Transaction payments for certain transactions that occurred between the periods are used without actual payment. Only the details are stored in the database of the electronic payment server, and only the usage history is notified to users and merchants. Thereafter, when the payment time arrives according to a predetermined condition, the electronic payment for the total transaction price of the transactions generated during the predetermined period is performed.

To this end, in order to perform the electronic payment for the continuous transaction, the electronic payment server further includes a continuous transaction history database in addition to the various databases shown in FIG. 3. The continuous transaction history database stores a continuous transaction history between a specific user and a merchant, and the transaction date and time, transaction time, transaction product, transaction price, etc. are stored for each transaction generated within a predetermined period, such as the end of the month and year end. Payment is made according to the transaction history stored at a specific payment point.

7 is a flowchart illustrating the flow of the electronic payment of the continuous transaction.

First, the user and the merchant make a contract (S700) for the continuous transaction. The continuous transaction contract concludes a continuous transaction settlement condition such as a continuous transaction period and a continuous transaction settlement period such as end of month / year.

After the conclusion of the contract, the user or the merchant registers the fact of the continuous transaction contract on the electronic settlement server through the electronic settlement website (S702), and the information to be registered here is for the purpose of the continuous transaction contract, the continuous trading party, the party's social security number and the business operator. Number, user mobile communication terminal number, merchant terminal number, continuous transaction period, continuous transaction settlement period, and the like. The electronic payment server receives the above information and creates a continuous transaction database for the corresponding continuous transaction, and stores the continuous transaction to be generated thereafter.

After the conclusion and registration of the continuous transaction contract as described above, if a specific transaction occurs between the user and the merchant within the continuous transaction agreement period (S704), the merchant notifies the electronic payment server that the transaction has occurred (S706). At this time, the notification will inform the fact that the transaction is a continuous transaction, the transaction history, the transaction party and the transaction terminal number.

The electronic payment server transmits the continuous transaction occurrence history to the user terminal (S708) and the user terminal returns the continuous transaction occurrence confirmation to the electronic payment server (S710) that the continuous transaction occurrence history is true. The electronic settlement server receiving the confirmation of the continuous transaction occurrence stores the corresponding transaction history in the continuous transaction history database and notifies the affiliated store that the continuous transaction has been recognized (S712).

Until the continuous transaction settlement period arrives, the above-described steps (S704, S706, S708, S710, S712) are repeatedly performed to store only transaction details without payment such as account transfer. When the reason for reaching the settlement period such as intermediate termination is issued, the electronic settlement server extracts and pays the transaction details from the transaction history database and generates an electronic slip for the corresponding electronic settlement. It transmits to the terminal (S714).

The user selects an account to use for electronic signature and transfer on the received electronic slip, generates an approved electronic slip and returns it to the electronic payment server (S716). The approval electronic slip displays information indicating the position value of the mobile communication terminal of the user. Upon receipt of the approved electronic slip, the electronic settlement server requests the financial institution server to transfer the amount from the selected user's transfer account to the merchant's account, completes the transfer, and notifies the merchant and the user with the transaction details. Do it.

Although the technical spirit of the present invention has been described in detail according to the above-described preferred embodiment, the above-described embodiment is for the purpose of description, and various ordinary embodiments of the present invention may be made by those skilled in the art. I can understand.

As described above, in the present invention, since the electronic slip payment is directly made in real time between the user mobile communication terminal and the electronic payment server, the user can easily perform the electronic payment. In addition, when a certain condition is met in a regular transaction and a continuous transaction, an automatic payment attempt is made and an electronic slip is sent to a user who is a trading party. Therefore, a user who is a trading party can receive an electronic slip in real time. You can prevent any disadvantages. In addition, since the electronic signature or the like should be included in the approval electronic slip returned by the user to the electronic payment server, an illegal electronic payment can be prevented.

Claims (13)

Member registration step of receiving membership registration from users and merchants to perform electronic payment,  In the case of entering into a regular transaction contract that provides regular payments between a specific user and a merchant, a payment request receiving step of receiving a payment request for a corresponding transaction price from a terminal in the merchant when a specific payment time arrives;  When there is a request for payment for a periodical transaction that provides periodic payments from the merchant terminal, after sending the relevant periodic transaction details to the user to confirm that the periodic transaction details are correct, the transaction details and a sign item that functions as an approval function. An electronic slip transmission step of generating an electronic slip including an electronic system account selection item to be used for payment and an electronic slip number and transmitting it to the user's mobile communication terminal; Receiving the approval electronic slip received from the user's mobile terminal receiving the approval electronic slip including the sign item marked with the approval, the two-cup account item to be used for payment; A payment step of completing the transfer of the payment amount by requesting the financial institution server to transfer the payment amount from the account in the transfer system account item in the approved electronic slip to the deposit account of the merchant; After the transfer is completed, the payment completion notification step of notifying the user and the merchant with the completed payment history that the payment is completed Electronic payment method using an electronic slip comprising a. delete The electronic payment method according to claim 1, wherein the payment request receiving step transmits a user's mobile communication terminal telephone number to be used for payment, a traded brand name, a transaction affiliate name, and a payment amount. delete Member registration step of receiving a membership registration from the user and the merchant to perform the electronic payment, the contract details for the continuous transaction between the user and the merchant, A continuous transaction occurrence receiving step of receiving from the terminal in the affiliate store that the continuous transaction has occurred when the continuous transaction occurs between the user and the affiliated store; A continuous transaction checking step of notifying the user's mobile communication terminal that the continuous transaction has occurred and confirming that the continuous transaction has occurred; A continuous transaction acknowledgment step of storing the transaction details of the identified continuous transaction in a predetermined database and transmitting the fact that the continuous transaction has been acknowledged to the terminal of the affiliated store; When the predetermined term of the settlement period is satisfied for the continuous transaction, an electronic slip including transaction history item, electronic document number, signing function for approval function, and transfer system item to be used for payment is generated during the continuous transaction period. Transmitting the electronic slip to the mobile communication terminal of the user; Receiving an approval electronic slip receiving the approval electronic slip including the signature item marked with the approval, the entry for the system to be used for payment from the terminal of the user; A payment step of completing a transfer of the payment amount by requesting the financial institution server to transfer the payment amount from the account in the transfer system account item in the approved electronic slip to the deposit account of the merchant; After the transfer is completed, the payment completion notification step of notifying the user and the merchant with the completed payment history that the payment is completed Electronic payment method using an electronic slip comprising a. The electronic payment method of claim 5, wherein the contract contents for the continuous transaction in the membership registration step include a user and an affiliated store, a continuous transaction period, and a continuous transaction settlement time. The method according to claim 5, wherein the continuous transaction occurrence receiving step comprises transmitting the electronic slip, including the fact that the continuous transaction has occurred, the telephone number of the user's mobile communication terminal to be used for payment, the transaction product, the payment amount, and the name of the merchant requesting the payment. Electronic payment method used. 6. The method of claim 1 or 5, wherein the approval mark in the approval electronic slip receiving step is characterized in that the electronic slip number in the electronic slip received by the user or the user's electronic signature stored in the user's mobile communication terminal is displayed. Electronic payment method using a mobile communication terminal. [6] The electronic payment method of claim 1 or 5, wherein the electronic account transfer step displays a list of a user's deposit account or credit card number to be used for payment transfer. The electronic payment method using an electronic slip according to claim 1 or 5, wherein the approval electronic slip includes information indicating a position value of a user's mobile communication terminal. delete delete delete

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