KR20020041867A - The electronic authentication and payment method using CID(caller identification disply) in electronic transaction - Google Patents

Abstract

PURPOSE: An electronic authentication and payment method using CID(caller identification display) in electronic transaction is provided to authenticate a purchaser by using a caller ID and to make the purchaser pay for articles or services by inputting a PIN(Personal Identification Number) of a bank account. CONSTITUTION: A telephone number and transaction information of a purchaser are inputted by a seller(201). The telephone number of the purchaser is checked by a caller ID indication service when the purchaser makes a call. The purchaser inputs transaction information and the PIN of a bank account(202). The telephone number inputted by the seller is compared to one indicated by the caller ID indication service(203). The transaction information inputted by the seller is compared to the transaction information inputted by the purchaser(205). The PIN inputted by the purchaser is compared to one stored in a database(206). If the telephone number, the transaction information and the password are verified, a payment is approved(208). If at least one of the telephone number, the transaction information and the password are not verified, the disapproval of the payment is informed to the purchaser and the seller(204).

Description

The electronic authentication and payment method using CID (caller identification disply) in electronic transaction}

The present invention relates to a method of electronic authentication and payment in electronic commerce, in particular, the buyer's telephone number and transaction information transmitted from the seller (shopping mall) server, and the caller's telephone number indication (CID) from the telephone connection with the buyer Verify that the buyer's phone number and transaction information entered through the buyer are identical, and that the password of the bank or other account entered from the buyer is identical to the password of the buyer stored in the database (i.e., ) Electronic authentication and payment using the caller's phone number display in the e-commerce that enables the payment of goods / services by the buyer only when the phone number, the transaction information, and the account password are the same. A method recording a method and a program for realizing the method A recording medium that can be read teoro.

At present, the financial and telecommunications industries of the world are fighting for the initiative of the electronic payment system, and the electronic payment system with different issuer, distribution structure, and usage method has appeared. It can be classified into hardware type and network type.

As a conventional network type electronic payment system, there is a mobile electronic payment system using a mobile phone, which has the following problems.

First, because billing is carried out through mobile carriers, the monthly usage amount is only a small amount, and payment takes a long time (currently, it can be received for about 3 months), and also a fee must be paid to the carrier. The problem is that there is no special benefit (cache back) to the customer.

Second, since the payment agency uses a method of confirming the transaction authentication to the customer through the short text service, it is impossible to prevent a false transaction request or misuse from a person who knows the customer's mobile number, social security number, name, etc. There was this.

Third, there was a problem that the dependence of network operators is too high. In other words, the dependence on the use of network subscribers, SMS authentication, and collection through network operators will eventually result in the transfer of business rights to network operators, and contracts must be made by network operators. There was a problem.

On the other hand, among the conventional hardware-type electronic payment system, the postpaid electronic payment system using a compact CD has the problem of ease of use and security, but the cost of card issuance and difficult to spread; In addition, the Internet micropayment system uses a prepaid rechargeable electronic card, which guarantees complete anonymity and safety. However, there is a problem in that there is a limitation of use (that is, it is difficult to purchase expensive products in a shopping mall) and inconvenience to charge frequently. There was this.

The present invention, which was devised to solve the above problems, is confirmed through the buyer's phone number and transaction information transmitted from the seller (shopping mall) server, and the caller's telephone number display (CID) from the telephone connection with the buyer Confirm that the buyer's phone number and the transaction information entered from the buyer are the same, and also verify that the password of the account of the bank or the like entered from the buyer is identical to the password of the buyer stored in the database (i.e., by electronic authentication). In the electronic commerce that allows the purchaser to pay for the goods / services of the buyer only if the phone number, transaction information, and account password are the same, the electronic authentication and payment method using the caller's phone number display and the program for realizing the above method are provided. To provide a computer-readable recording medium that records The.

1 is an explanatory diagram of a mutual relationship for payment between a user terminal, a seller server, a bank server, and a payment system (server) to which the present invention is applied.

Figure 2 is an embodiment flow diagram for the electronic authentication and payment method using the caller's phone number display in the electronic commerce according to the present invention.

The present invention for achieving the above object, in the electronic authentication and payment method applied to the electronic authentication and payment system for electronic commerce, the telephone number of the user (hereinafter referred to as a buyer) who purchased the goods / services And a first step of receiving transaction information from a seller / provider (hereinafter referred to as a seller) for the product / service; A second step of confirming the buyer's telephone number through a caller's telephone number display service from the telephone connection with the buyer, and receiving transaction information about the product / service and a password of an account opened in a financial institution from the buyer; Whether the buyer's phone number input from the seller in the first step and the buyer's phone number identified in the second step are the same, the transaction information input from the seller in the first step and the second information in the second step. A third step of checking whether the transaction information input from the buyer is the same, and whether the password input from the buyer in the second step and the password for the buyer stored in the database are the same; And if the phone number, transaction information, and password are the same as the result of the third step, allowing the financial institution to make a payment for the purchase price of the buyer, and the phone number, transaction information, and password. If at least one of the difference is a fourth step of notifying the buyer and the seller can not pay.

In addition, the present invention, the fifth step of receiving the processing result for the payment payment from the financial institution that received the payment permission in the fourth step and inspecting the contents of the payment processing result; If the check result of the fifth step indicates that the content of the payment processing result indicates that the purchase price exceeds the buyer's payable range, the payment is impossible for the buyer, the payment is impossible to the buyer and the seller. A sixth step of notifying; And a seventh step of transmitting the payment result to the buyer and the seller if the content of the payment processing result is the payment completion, as a result of the inspection of the fifth step.

In addition, the present invention, if the contents of the payment processing result is the payment result of the fifth step, the amount of cash back to the buyer's account to the amount corresponding to a predetermined ratio to the purchase price of the purchaser And an eighth step of instructing the financial institution.

On the other hand, the present invention, in the electronic authentication and payment method applied to the electronic authentication and payment system for electronic commerce, the telephone number and transaction information of the user (hereinafter referred to as the buyer) who purchased the goods / services, A first step of receiving input from a seller / provider (hereinafter referred to as a seller) for the product / service; A second step of confirming the buyer's telephone number through a caller's telephone number display service from the telephone connection with the buyer, and receiving transaction information about the product / service and a password of an account opened in a financial institution from the buyer; Whether the buyer's phone number input from the seller in the first step and the buyer's phone number identified in the second step are the same, the transaction information input from the seller in the first step and the second information in the second step. A third step of checking whether the transaction information input from the buyer is the same, and whether the password input from the buyer in the second step and the password for the buyer stored in the database are the same; If the phone number, the transaction information, and the password are all the same as the result of the checking in the third step, it is determined whether the purchase price of the transaction information exceeds the payable range of the buyer, and the phone number, the transaction information, and the password. A fourth step of notifying the buyer and the seller of the non-payment if at least one of the two is different; And as a result of the fourth step, if the purchase price does not exceed the payable range of the buyer, permit the financial institution to perform payment on the purchase price of the buyer, and the purchase price is paid by the buyer. If it exceeds the possible range includes a fifth step of notifying the buyer and the seller can not pay.

In addition, the present invention, receiving the processing result of the payment from the financial institution, instructing the financial institution to cash back an amount corresponding to a predetermined ratio of the purchase price of the buyer to the account of the buyer A sixth step is further included.

The present invention may further include a seventh step of receiving the processing result of the payment from the financial institution and transmitting the payment processing result to the buyer.

On the other hand, the present invention, for the electronic authentication and payment using the caller's phone number display in electronic commerce, the telephone number of the user (hereinafter referred to as the buyer) who purchased the goods / services in the payment system equipped with a processor and A first function of receiving transaction information from a seller / provider (hereinafter referred to as a seller) for the product / service; A second function of confirming a telephone number of the buyer through a caller's telephone number display service from the telephone connection with the buyer, and receiving transaction information about the goods / service and a password of an account opened in a financial institution from the buyer; Whether the buyer's phone number input from the seller in the first function and the buyer's phone number identified in the second function are the same, the transaction information input from the seller in the first function and the second function in the second function. A third function of checking whether the transaction information input from the buyer is the same, and whether the password input from the buyer in the second function and the password for the buyer stored in the database are the same; And if the phone number, transaction information, and password are the same as the result of the verification of the third function, allow the financial institution to make a payment for the purchase price of the buyer, and the phone number, transaction information, and password. If at least one of them is different, a computer-readable recording medium having recorded thereon a program for realizing a fourth function of notifying the buyer and the seller of the non-payment of the price is provided.

In addition, the present invention includes a fifth function of receiving a processing result for the payment from the financial institution that has received the payment permission in the fourth function and inspecting the contents of the payment processing result; If the check result of the fifth function indicates that the content of the payment processing result indicates that the purchase price exceeds the purchaseable range of the buyer, payment is impossible for the buyer, the payment is impossible to the buyer and the seller. A sixth function of notifying; And a program for further realizing a seventh function of transmitting the payment result to the buyer and the seller if the content of the payment processing result is the completion of the payment, as a result of the inspection of the fifth function. Provide a record carrier.

In addition, the present invention, if the contents of the payment processing result is the result of the checkout of the fifth function, the amount of cash corresponding to a predetermined ratio of the purchase price of the buyer to the cash back to the buyer's account A computer readable recording medium having recorded thereon a program for further realizing an eighth function of instructing a financial institution is provided.

On the other hand, the present invention, for the electronic authentication and payment using the caller's phone number display in electronic commerce, the telephone number of the user (hereinafter referred to as the buyer) who purchased the goods / services in the payment system equipped with a processor and A first function of receiving transaction information from a seller / provider (hereinafter referred to as a seller) for the product / service; A second function of confirming a telephone number of the buyer through a caller's telephone number display service from the telephone connection with the buyer, and receiving transaction information about the goods / service and a password of an account opened in a financial institution from the buyer; Whether the buyer's phone number input from the seller in the first function and the buyer's phone number identified in the second function are the same, the transaction information input from the seller in the first function and the second function in the second function. A third function of checking whether the transaction information input from the buyer is the same, and whether the password input from the buyer in the second function and the password for the buyer stored in the database are the same; As a result of confirming the third function, if the phone number, transaction information, and password are all the same, it is determined whether the purchase price of the transaction information exceeds the payable range of the buyer, and the phone number, transaction information, and password A fourth function of notifying the buyer and the seller of the non-payment if at least one of the two is different; And as a result of the fourth function, if the purchase price does not exceed the payable range of the buyer, allow the financial institution to perform payment on the purchase price of the buyer, and the purchase price is paid by the buyer. A computer-readable recording medium having recorded thereon a program for realizing a fifth function of notifying the purchaser and the seller of the non-payment when the available range is exceeded is provided.

In addition, the present invention, receiving the processing result of the payment from the financial institution, instructing the financial institution to cash back an amount corresponding to a predetermined ratio of the purchase price of the buyer to the account of the buyer A computer readable recording medium having recorded thereon a program for further realizing the sixth function is provided.

In addition, the present invention is a computer-readable recording that records a program for further realizing a seventh function of receiving the processing result of the payment from the financial institution and transmitting the payment processing result to the buyer. Provide the medium.

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

1 is an explanatory diagram of a mutual relationship for payment between a user terminal, a seller server, a bank server, and a payment system (server) to which the present invention is applied.

It is promised that the user (who will be the buyer) 11 opens an Internet account (cyber account) on the bank server 13 and uses the payment system (server) 14 to make a payment. Input user information such as a phone number and an e-mail address to be used for electronic authentication and payment (101). Although referred to herein as a bank server, banks also include financial institutions such as credit card companies and electronic branches, and these financial institutions provide negative banking functions. In other words, if there is a balance in the user's account, the payment is made by the account transfer, and if there is no balance, postpay processing is performed like a credit card.

The bank server 13 transmits the name, social security number, telephone number (including mobile number), e-mail address, password of the bank account, and deposit amount, etc. of the user registered as a member to the payment server 14 (102). ).

After the user 11 selects a product / service to be purchased through the seller server 12 in an internet shopping mall or the like, the user 11 selects a payment method to be paid through the payment server 14 and selects a telephone number, a social security number (especially, Seven digits) and any one-time goods / service numbers (numbers that the buyer randomly assigned for the goods / services) are entered into seller server 12 (103).

The seller server 12 transmits not only the telephone number but also transaction information such as any one-time goods / service number, purchase name / service name, purchase price of goods / service, etc. to the payment server 14 (104). Here, the seller server represents a server of a company that sells / provides a product / service such as a shopping mall, and specifically, an internet and home shopping mall, a digital content provider, an online service provider (call center, etc.), an internet auction and reverse auction service provider, an offline store, an offline store. This includes service providers (insurance, securities, cinemas, etc.), businesses that issue electronic money.

The user 11 dials into the payment server 14 (that is, dials the payment toll-free number (080-XXX-XXXX) of the payment server), and the instructions provided by the payment server 14 are provided. Depending on the broadcast (of course, even if there is no announcement), enter a one-time goods / service number and password of the account, such as bank (105).

Then, the payment server 14 checks whether the telephone number confirmed by the caller identification disply (CID) and the telephone number transmitted from the seller server 12 are the same, and is input from the user 11. Whether the transaction information and the transaction information sent from the seller server 12 match (especially whether the one-time goods / service number matches), and the account password of the user stored in the database and the password input from the user 11 match again. Check whether the purchase price is within the buyer's payable range (sum of deposit balance and negative bank limit), and if it is within or within the range, the bank server 13 permits payment (authorization) to the user. (106).

That is, payment is allowed only if all of the following conditions are met: telephone number matching, transaction information matching (particularly, one-time goods / service number matching), password matching of account, and payment range.

The bank server 13 receives payment permission from the payment server 14 and performs a payment for the purchase price of the goods / services of the buyer (that is, the purchase price of the goods / services from the user is transferred from the user's account). After the transfer to the account) (107), the payment server 14 notifies the completion of the payment (108).

When the payment server 14 is notified of the completion of the payment from the bank server 13, the seller server 12 notifies the user of providing the purchased goods / services to the user (109). In addition, the payment server 14 caches a certain ratio (for example, from 2% (goods) to 5% (services)) of the goods / service purchase price that the user purchased through the seller server 12 in cash. The bank server 13 instructs to back up (CASH BACK) (110), and transmits the payment processing result to the user by E-MAIL or short text service (111). Here, the cashback is made regardless of whether a balance exists in the user's account.

In the above, the case in which the payment server 14 determines whether the purchase price is within the buyer's payable range has been described. Alternatively, the bank server 13 determines whether the purchase price is within the buyer's payable range. The detailed description thereof will be described later with reference to FIG. 2.

2 is a flowchart illustrating an electronic authentication and payment method using a caller's phone number display in an electronic commerce according to the present invention.

A customer (buyer) who has opened a bank plus card and an Internet account issued to an internet user (netizen) and wishes to purchase services or physical goods such as games, movies, music, cartoons, education, etc. ) Selects the goods / services to be purchased from the seller (Internet shopping mall, etc.) server 12, and includes a telephone number such as his / her mobile number, social security number (especially the seven digits behind), and any one-time goods / service number (buyer). Enters a number arbitrarily attached to the purchased goods / services, the seller server 12 such as an internet shopping mall, the buyer's telephone number input from the buyer, any one-time goods / service number, the purchase name / service name, and the purchase Transaction information such as price is transmitted to the payment server 14 (201).

Then, when the payment server 14 receives a phone number from the buyer 11, according to a certain announcement to the buyer (maybe even if there is no announcement) any one-time goods / service number (transaction information), and The account password and the like are input, and the buyer's telephone number is confirmed by "displaying the calling party telephone number" (202).

Then, the payment server 14 checks whether the buyer's telephone number identified by the "caller's telephone number display" and the buyer's telephone number transmitted from the seller server 12 such as an internet shopping mall match (203).

As a result of checking whether the telephone number of "203" matches, when the two telephone numbers match, the payment server 14 again matches the transaction information input from the user 11 and the transaction information transmitted from the seller server 12. It is determined whether or not (particularly whether any one-time goods / service number match) (205), and if the two transaction information does not match, notifies the seller server 12 and the buyer 11 that payment is impossible ( 204).

As a result of determining whether the transaction information of "205" matches, when the two transaction information match, the payment server 14 again matches the password of the payment account of the buyer's bank and the password input from the buyer, which are stored in the database. If it does not match (206), and if it does not match, the merchant server 12 and the buyer 11 is notified (204).

As a result of the password matching check of "206", if the two passwords match, the payment server 14 checks again whether the purchase price is within the buyer's payable range (sum of deposit balance and negative bank limit). In operation 207, the seller server 12 and the purchaser 11 are notified of the non-payment of the payment (204).

Here, the confirmation of the buyer's payment range (that is, checking the balance of the account and the credit limit) is notified from the bank server 13 whenever there is a change, or when the payment server 14 permits the payment, You can check it by querying the server. In addition, it checks if there is a balance in the buyer's account, and if there is a balance, transfers the purchase price from the buyer's account to the seller's account, and if there is no balance, the bank server (with 13) pays the purchaser to the seller on his behalf and the buyer then deposits the purchase into the account.

As a result of checking whether the buyer is within the payable range of the buyer of "207", if the purchase price is within the payable range of the buyer (the sum of the deposit balance and the negative bank limit amount), the payment server 14 makes a payment to the bank server 13. If the payment is allowed (208), and the payment is out of the allowable range, the seller server 12 and the buyer 11 are notified of the non-payment (204).

The bank server 13, which has received the payment permission, performs the payment and notifies the payment server 14 of the completion of the payment.

The payment server 14, which has been informed of the payment completion, notifies the seller server 12 of the payment completion and approves to provide the goods / service to the buyer (209).

The payment server 14 commands the cash back to the bank server 13 to deposit a certain percentage of the goods / service purchase price purchased by the user through the seller server 12 into the buyer's account. In operation 210, the payment processing result is transmitted to the user (buyer) by E-MAIL or short text service. Here, the cashback is made regardless of whether a balance exists in the user's account.

In the above description and FIG. 2, the case in which the payment server 14 determines whether the purchase price is within the payable range of the buyer has been described. In contrast, the bank server 13 determines that the purchase price is within the buyer's payable range. You can also make a judgment.

In this case, after confirming that the telephone numbers, transaction information, and passwords at "203", "205", and "206" match, and if they are the same, the bank server 13 makes a payment for the purchase price of the buyer. If the one of the telephone number, transaction information, and password is different, the buyer and seller will be notified of the non-payment.

Thereafter, the payment server 14 receives the processing result for the payment from the bank server 13 and inspects the contents of the payment processing result; If the inspection result indicates that the purchase price exceeds the buyer's payable range and the payment is impossible for the buyer, the buyer and the seller are notified of the payment failure; If the content of the payment processing result is payment completion, the payment result is transmitted to the buyer and the seller.

In addition, if the content of the payment processing result is payment completion, the bank server 13 is instructed to cash back the amount corresponding to the predetermined ratio with respect to the purchase price of the purchaser to the buyer's account.

As described above, the method of the present invention may be implemented as a program and stored in a recording medium (CD-ROM, RAM, ROM, floppy disk, hard disk, magneto-optical disk, etc.) in a computer-readable form.

The present invention described above is capable of various substitutions, modifications, and changes without departing from the spirit of the present invention for those skilled in the art to which the present invention pertains, and the above-described embodiments and accompanying It is not limited by the drawings.

The present invention as described above has the following excellent effects.

First, the present invention by using a mobile phone or landline to pay online (ON-LINE), giving the seller the charm of fast payment and low fees, consumers (buyers) can give the benefits of cash back In addition, banks have the effect of increasing transfers and interest income.

Second, the present invention, when a buyer selects a desired product by himself and calls a payment agency through his mobile phone, the caller (buyer) phone number recognition and transaction information (particularly, a one-time item number arbitrarily determined by the buyer), the buyer Since the authentication and payment using the password registered in advance, it is effective to prevent mischief or illegal use. In other words, the phone number of others can not be arbitrarily transmitted, and even if the mobile phone is lost, the authentication is not performed without knowing the password.

Third, the present invention is because the electronic authentication and payment system by the caller indication is simply a method of using additional services of wired and wireless network operators, unlike the conventional method with high dependence on network operators, there is a separate contract with the network operators. There is no need, it can be applied to both wired and wireless, and the operation cost is low.

Claims (16)

In the electronic authentication and payment method applied to the electronic authentication and payment system for electronic commerce, A first step of receiving a telephone number and transaction information of a user who purchases a product / service (hereinafter referred to as a buyer) from a sales / provider (hereinafter referred to as a seller) for the product / service; A second step of confirming the buyer's telephone number through a caller's telephone number display service from the telephone connection with the buyer, and receiving transaction information about the product / service and a password of an account opened in a financial institution from the buyer; Whether the buyer's phone number input from the seller in the first step and the buyer's phone number identified in the second step are the same, the transaction information input from the seller in the first step and the second information in the second step. A third step of checking whether the transaction information input from the buyer is the same, and whether the password input from the buyer in the second step and the password for the buyer stored in the database are the same; And If the phone number, transaction information, and password are the same as the result of the third step, the financial institution is allowed to make a payment for the purchase price of the buyer, and among the phone number, transaction information, and password, A fourth step of notifying the buyer and the seller of the non-payment if at least one is different Electronic authentication and payment method using the caller's phone number display in the e-commerce, including. The method of claim 1, A fifth step of receiving the processing result of the payment from the financial institution which has received the payment permission in the fourth step and inspecting the contents of the payment processing result; If the check result of the fifth step indicates that the content of the payment processing result indicates that the purchase price exceeds the buyer's payable range, the payment is impossible for the buyer, the payment is impossible to the buyer and the seller. A sixth step of notifying; And A seventh step of transmitting the payment result to the buyer and the seller if the content of the payment processing result is the payment completion; Electronic authentication and payment method using the caller's phone number display in the e-commerce further comprising. The method of claim 2, An eighth step of instructing the financial institution to cash back an amount corresponding to a predetermined ratio of the purchase price of the purchaser to the account of the purchaser if the content of the payment processing result is the completion of the payment; Electronic authentication and payment method using the caller's phone number display in the e-commerce further comprising the step. In the electronic authentication and payment method applied to the electronic authentication and payment system for electronic commerce, A first step of receiving a telephone number and transaction information of a user who purchases a product / service (hereinafter referred to as a buyer) from a sales / provider (hereinafter referred to as a seller) for the product / service; A second step of confirming the buyer's telephone number through a caller's telephone number display service from the telephone connection with the buyer, and receiving transaction information about the product / service and a password of an account opened in a financial institution from the buyer; Whether the buyer's phone number input from the seller in the first step and the buyer's phone number identified in the second step are the same, the transaction information input from the seller in the first step and the second information in the second step. A third step of checking whether the transaction information input from the buyer is the same, and whether the password input from the buyer in the second step and the password for the buyer stored in the database are the same; As a result of the checking in the third step, if the phone number, transaction information, and password are all the same, it is determined whether the purchase price of the transaction information exceeds the payable range of the buyer, and the phone number, transaction information, and password A fourth step of notifying the buyer and the seller of the non-payment if at least one of the two is different; And As a result of the determination of the fourth step, if the purchase price does not exceed the payable range of the buyer, the financial institution is allowed to perform payment on the purchase price of the buyer, and the purchase price is payable by the buyer. A fifth step of notifying the buyer and the seller of the non-payment if the range is exceeded Electronic authentication and payment method using the caller's phone number display in the e-commerce, including. The method of claim 4, wherein Receiving a processing result of the payment from the financial institution, and instructing the financial institution to cash back an amount corresponding to a predetermined ratio of the purchase price to the purchaser's account; Payment method using caller ID in electronic commerce. The method according to claim 4 or 5, And a seventh step of receiving a processing result of the payment settlement from the financial institution and transmitting the payment settlement processing result to the purchaser. The method according to claim 1 or 4, The second stage financial institution, Electronic authentication and payment method using the caller's phone number display in the e-commerce characterized in that it comprises a bank, credit card company, and electronic branch. The method according to claim 1 or 4, The seller of the first step, Internet and home shopping malls, digital content providers, online service providers (call centers, etc.), Internet auction and reverse auction operators, offline stores, offline service providers (insurance, securities, movie theaters, etc.), and operators that issue electronic money Electronic authentication and payment method using the caller's phone number display in the e-commerce. The method according to claim 1 or 4, The process of confirming whether the transaction information of the third step is the same, Electronic authentication and payment method using the caller's phone number display in the e-commerce, characterized in that the buyer checks whether the one-time goods / service number arbitrarily determined for the purchased goods / services. The method according to claim 1 or 4, The verification process of the third step, Electronic authentication and payment method using the caller's phone number display in the e-commerce, characterized in that the phone number, transaction information, and whether or not in the order of the password. In the payment system equipped with a processor for electronic authentication and payment using the caller's phone number display in electronic commerce, A first function of receiving a telephone number and transaction information of a user who purchases a product / service (hereinafter referred to as a buyer) from a sales / provider (hereinafter referred to as a seller) for the product / service; A second function of confirming a telephone number of the buyer through a caller's telephone number display service from the telephone connection with the buyer, and receiving transaction information about the goods / service and a password of an account opened in a financial institution from the buyer; Whether the buyer's phone number input from the seller in the first function and the buyer's phone number identified in the second function are the same, the transaction information input from the seller in the first function and the second function in the second function. A third function of checking whether the transaction information input from the buyer is the same, and whether the password input from the buyer in the second function and the password for the buyer stored in the database are the same; And If the phone number, the transaction information, and the secret number are all the same as the result of the confirmation of the third function, the financial institution is allowed to make a payment for the purchase price of the buyer, and the phone number, the transaction information, and the password A fourth function of notifying the buyer and the seller of the non-payment if at least one of the two is different A computer-readable recording medium having recorded thereon a program for realizing this. The method of claim 11, A fifth function of receiving a processing result of the payment settlement from the financial institution that has received the payment permission in the fourth function and inspecting contents of the payment settlement processing result; If the result of the inspection of the fifth function indicates that the content of the payment processing result indicates that the purchase price exceeds the buyer's payable range, the payment is impossible for the buyer, the payment is impossible to the buyer and the seller. A sixth function of notifying; And A seventh function of transmitting a payment result to the purchaser and the seller if the content of the payment processing result is the payment completion of the fifth function; A computer-readable recording medium that records a program for further realization. The method of claim 12, An eighth order for instructing the financial institution to cash back an amount corresponding to a predetermined ratio with respect to the purchase price of the purchaser to the account of the buyer if the content of the payment processing result is the completion of the payment; A computer-readable recording medium that records a program for further functioning. In the payment system equipped with a processor for electronic authentication and payment using the caller's phone number display in electronic commerce, A first function of receiving a telephone number and transaction information of a user who purchases a product / service (hereinafter referred to as a buyer) from a sales / provider (hereinafter referred to as a seller) for the product / service; A second function of confirming a telephone number of the buyer through a caller's telephone number display service from the telephone connection with the buyer, and receiving transaction information about the goods / service and a password of an account opened in a financial institution from the buyer; Whether the buyer's phone number input from the seller in the first function and the buyer's phone number identified in the second function are the same, the transaction information input from the seller in the first function and the second function in the second function. A third function of checking whether the transaction information input from the buyer is the same, and whether the password input from the buyer in the second function and the password for the buyer stored in the database are the same; As a result of confirming the third function, if the phone number, transaction information, and password are all the same, it is determined whether the purchase price of the transaction information exceeds the payable range of the buyer, and the phone number, transaction information, and password A fourth function of notifying the buyer and the seller of the non-payment if at least one of the two is different; And As a result of the determination of the fourth function, if the purchase price does not exceed the payable range of the buyer, the financial institution is allowed to perform payment on the purchase price of the buyer, and the purchase price is payable by the buyer. A fifth function of notifying the buyer and the seller of the non-payment if the range is exceeded A computer-readable recording medium having recorded thereon a program for realizing this. The method of claim 14, Further implementing a sixth function of receiving a processing result of the payment from the financial institution and instructing the financial institution to cash back an amount corresponding to a predetermined ratio of the purchaser's purchase price to the buyer's account; A computer-readable recording medium that records a program for the program. The method according to claim 14 or 15, A computer-readable recording medium having recorded thereon a program for realizing a seventh function of receiving the processing result of the payment from the financial institution and transmitting the payment processing result to the buyer.