KR20020058994A - Method and system for electronic credit settlement - Google Patents

Abstract

The present invention relates to a method and system for electronic credit payment between a PDA and a mobile service provider. The electronic credit settlement system is composed of a portable digital assistant (PDA), a cellular phone, a wired and wireless network, and a mobile operator server. The PDA is composed of a key input unit, a barcode reader unit, a control unit, a transceiver, a display unit, a printer, and a memory. The PDA requests the cellular phone user's credit inquiry from the mobile operator server, receives the payment result from the server, and outputs the result to the LCD or printer. The server receives the cellular phone user information and the cellular phone user's credit inquiry request from the PDA to look up the credit rating, and performs the payment using the cellular phone user information. Credit payment can be made through wired network as well as wireless network, and the accumulated cellular phone user's credit payment information can be downloaded to PDA and printed in receipt form to prevent disadvantages due to lost receipt. have. The integrated management PDA according to the present invention may provide an inventory management function by enabling the electronic barcode payment function and the barcode recording the product information to be read.

Description

Electronic credit payment method and system between mobile terminal and mobile operator {METHOD AND SYSTEM FOR ELECTRONIC CREDIT SETTLEMENT}

The present invention relates to an electronic credit payment method and system between a mobile terminal and a mobile communication service provider. More particularly, the present invention relates to a payment method with a mobile communication service provider through a wired network as well as a wireless network using an integrated managed portable information terminal (PDA). It relates to an electronic credit payment method and system that can be.

Due to the development of the financial industry, demand for credit cards and electronic money instead of cash is increasing.

6 is a flowchart illustrating a credit settlement process using a conventional credit card reader.

Referring to FIG. 6, a company having a card reader receives credit card user information (eg, a user's unique identifier) (step 601), and requests a credit card company to approve payment (step 603).

The credit card company sends a payment approval confirmation signal to the card reader (step 605) and sends a payment request signal to the payment bank (step 607).

The payment bank makes a payment for using the credit card, sends the payment result to the card reader (step 609), and the credit card user makes a credit card user's credit payment (step 611).

Such alternative means of payment, such as credit cards and electronic money, are limited to commerce for those who are on the move or who want a temporary financial transaction at a particular place when using a credit card checker using a wired network.

In other words, since payment is possible through wired or internet or where a credit card checker is available, a line for connecting the Internet must be separately installed and used only at a designated place. .

In order to solve this problem, a method and system for enabling a credit card payment using a mobile communication network have appeared in a place where a conventional wired network is not established.

As a related art related to a method and system for electronic credit settlement using a mobile communication network, Korean Patent Publication No. 1999-068618 (name of the invention: "Method for performing a financial settlement using a mobile communication network and a system for performing the same"), a domestic patent Publication No. 2000-072548 (name of the invention: "Payment payment system using a mobile communication network and its wireless payment terminal and payment method").

FIG. 7 is a schematic block diagram of a credit payment system through a mobile communication network using a conventional portable credit card inquiry device, and is related to the Korean Patent Publication No. 1999-068618.

Referring to FIG. 7, a financial settlement system using a mobile communication network includes a portable credit card inquiry machine 700 for reading card information, a cellular phone 710 for packetizing read card information, and a mobile communication network 720. And a credit card van (VAN) 730 for connecting a plurality of card companies' computer processing networks 740-1 to 740-N (hereinafter referred to as 740) to provide a communication service.

The mobile communication network includes a base transceiver system (BTS) 121, a base station controller (BSC) 123, a mobile switching center (MSC) 125, and a network interworking device (IWF); InterWorking Function) 721 and router / gateway 723.

The base station 121 is connected between the cellular phone 710 and the base station controller 123 to maintain wireless connection and signal synchronization with the cellular phone 710 and to allocate and release call channels.

The base station controller 123 is located between the mobile communication switch 125 and the base station 121 to manage the operation of the base station 121 and manage the service state of hardware and software in the base station 121. In addition, by collecting information on resource allocation and configuration of the base station operation for call traffic (monitor traffic), and monitors the underlying devices related to the detection and detection of the failure of the base station operation.

The mobile communication switch 125 is connected between the base station controller 123 and the network interworking device 721 to perform a task of connecting the PSTN to the mobile communication network. In addition, it is generally located in the center of the mobile communication network to engage with the base station controller 123, the base station 121 and the like to configure the voice and non-voice communication path and performs the switch operating function.

The network interworking device 721 serves as a kind of modem for transmitting and receiving packet data, and accesses an Internet network or a packet switched public data network (PSPDN) according to the nature of the call.

The router / gateway 723 generally interconnects a plurality of different types of communication networks using a relay function of a network layer, and is connected between the network interworking device 721 and the credit card van 730 to connect the network interworking device ( The packet data information provided from 721 is designated to a port for each information provider (IP) of the packet data and output to the credit card van 730.

The credit card van 730 is routed to the information provider (IP) of the card company computer processing network 740 based on the information provider (IP) of the packet data ported by the information provider (IP) by the router / gateway 723. Assign to

Korean Patent Laid-Open Publication No. 1999-068618 has a portable credit card inquiry device connected to a cellular phone via RS-232C to make a payment for goods purchase through a wireless network.

Since the Korean Patent Publication No. 1999-068618 uses a credit card inquiry device connected to a cellular phone with a wired cable such as RS-232C, there is a problem that a cellular phone user has many restrictions in using it in daily life.

In order to solve the above problems, the above-mentioned Korean Patent Publication No. 2000-072548 (name of the invention: "Payment Payment Using a Mobile Communication Network") enables the electronic credit settlement of the cost of a purchase by wireless data communication regardless of the use of a mobile phone. System and its wireless payment terminal and payment method ").

FIG. 8 is a schematic block diagram of a credit payment system through a mobile communication network between a conventional wireless payment terminal and a server of a mobile service provider, and is related to the Korean Patent Publication No. 2000-072548.

Referring to FIG. 8, the payment system using the mobile communication network is connected to a wireless payment terminal 800, a mobile communication network, and a mobile communication network, which request a mobile communication service provider server to make an electronic payment, and receive and output a payment result. The mobile communication service provider server system 810 receives a payment request signal and accumulates payment.

The mobile operator server system 810 includes a base station 121, a base station controller 123, a mobile communication switch 125, and a mobile operator server 127.

Since the roles of the base station 121, the base station controller 123, and the mobile communication switch 125 have been described with reference to FIG. 7, description thereof will be omitted.

The mobile service provider server 127 receives the payment request signal from the wireless payment terminal 800, transmits an authentication code and subscriber social security number and password to the wireless payment terminal 800, and transmits a transaction approval signal to pay for the subscriber. Accumulate the payment amount.

The Korean Patent Publication No. 2000-072548 is for performing electronic payment using wireless data communication between a wireless payment terminal and a mobile communication service provider server through a mobile communication network. That is, the payment amount of the credit card, electronic money, etc. is to be paid to the mobile carrier along with the mobile phone bill.

The Korean Patent Publication No. 2000-072548 has a problem in that payment cannot be made under conditions in which wireless communication is not possible, such as charging a wireless payment terminal, because electronic credit payment is possible only by wireless communication.

Accordingly, the present invention has been made to solve the problems of the prior art, and provides an electronic credit payment method and system method that can make a payment between a mobile terminal and a mobile communication provider through a wired network as well as a wireless network. There is a purpose.

Another object of the present invention is to provide a method for increasing the speed of real-time credit inquiry by using a direct call method between a portable information terminal and a mobile communication service provider server.

In addition, an object of the present invention is to give a credit limit to members who use a cellular phone rather than a card user, a new concept of electronic credit payment method and system to make payment after confirming only the cellular phone user's credit rating through wired or wireless communication. The purpose is to provide.

In addition, an object of the present invention is to penalize the loss of receipt by downloading and storing the accumulated cellular phone user credit payment information stored in the database of the mobile operator server to a portable information terminal (PDA) and output in the form of a receipt The purpose is to prevent it.

In addition, an object of the present invention is to provide an integrated management portable information terminal having an inventory management function by enabling to read a barcode recording product information as well as an electronic credit payment function.

1 is a schematic block diagram of an electronic credit payment system between a mobile terminal and a mobile communication service provider according to an embodiment of the present invention.

2 is a schematic block diagram of an electronic credit payment system between a mobile terminal and a mobile communication service provider in accordance with another preferred embodiment of the present invention.

Figure 3 is a block diagram showing the internal configuration of a portable information terminal according to an embodiment of the present invention.

4 is a flowchart illustrating a process for performing electronic credit payment between a portable information terminal, a mobile service provider server, and a cellular phone user according to an embodiment of the present invention.

5 is a flowchart illustrating a process for performing electronic credit payment according to an embodiment of the present invention.

6 is a flowchart illustrating a credit settlement process using a conventional credit card reader.

7 is a schematic block diagram of a credit settlement system via a mobile communication network using a conventional portable credit card inquiry machine.

8 is a schematic configuration block diagram of a credit settlement system via a mobile communication network between a conventional wireless payment terminal and a mobile operator server.

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

100: PDA 110: cellular phone

120: mobile operator server system connected to the mobile communication network

127: Mobile Operator Server

160: Cellular Phone User Credit Billing Information Database

According to a first aspect of the present invention, in order to achieve the above objects, in a portable terminal connected to a mobile operator server through a network, cellular phone user information is input, connected to a mobile operator server, and the mobile operator Transmits the cellular phone user information to a server, requests a credit inquiry of the cellular phone user, receives a credit inquiry result from the mobile service provider server, and sends a payment request signal to the mobile communication when there is a credit rating. And transmitting to the operator server, receiving the payment result from the mobile operator server, and outputting the payment result. Number of programs that can run A recording medium which is provided is.

The user information may include at least one of a telephone number of the cellular phone, a password of the cellular phone user, and a payment amount.

The step of receiving cellular phone user information may be a step of receiving user information by key manipulation through a key input unit. In addition, the step of receiving the cellular phone user information may be a step of directly receiving the unique number of the cellular phone from the cellular phone by connecting the portable terminal and the cellular phone through a wired network.

The step of connecting to the mobile operator server may be a step of connecting to the mobile operator server through a wireless network using a wireless protocol.

The wireless protocol may include a handheld device transport protocol (HDPT) and a wireless application protocol (WAP).

The step of connecting to the mobile operator server may be a step of connecting to the mobile operator server through at least one wired network of a wired Internet network, a LAN, and a WAN.

Receiving a credit inquiry result from the mobile operator server may include receiving a credit limit of the cellular phone user from the mobile operator server.

The outputting of the payment result may include outputting the payment result through a liquid crystal display (LCD) of the portable information terminal (PDA).

The outputting of the payment result may include outputting the payment result in the form of a receipt through a printer of the portable information terminal (PDA).

An electronic credit payment method between a mobile terminal and a mobile communication provider includes receiving and storing accumulated communication contents and payment results for a cellular phone user who is paying credit between the mobile communication service provider server and the mobile terminal from the mobile communication service provider server. It may further include.

The portable terminal may be a portable information terminal (PDA), a handheld PC (HPC) and a smart phone.

Data transmission and reception between the portable terminal and the mobile communication operator server may be performed by a circuit-switched line communication or a packet-switched packet communication.

According to another embodiment of the present invention, in a mobile service provider server connected to a mobile terminal through a network, a connection request signal is received from the portable terminal to the mobile service provider server through a network, and a connection is established. Receives a cellular phone user information and a credit inquiry request of the cellular phone user from the terminal, inquires the credit of the cellular phone user using the cellular phone user information, and retrieves the credit inquiry result of the cellular phone user to the portable terminal And transmitting a payment request signal from the portable terminal and paying the payment amount of the cellular phone user using the cellular phone user information, and the electronic credit payment method between the mobile terminal and the mobile carrier. Corresponding to A system and a recording medium with a program to perform these methods are listed, is provided.

The user information may include at least one of a telephone number of the cellular phone, a password of the cellular phone user, and a payment amount.

The step of transmitting the credit check result of the cellular phone user to the portable terminal may include transmitting the credit limit of the cellular phone user to the portable terminal.

The portable terminal may include a portable information terminal (PDA), a handheld PC (HPC), and a smart phone.

Data transmission and reception between the portable terminal and the mobile communication operator server may be performed by a circuit-switched line communication or a packet-switched packet communication.

The electronic credit payment method between the portable terminal and the mobile communication provider may further include transmitting the payment result to the cellular phone user through a wireless network in a text message.

The electronic credit payment method between the portable terminal and the mobile communication provider may further include transmitting the payment result to the portable terminal.

The electronic credit payment method between the mobile terminal and the mobile communication service provider may further include transmitting accumulated communication contents and a payment result for the cellular phone user who is making a credit payment between the mobile communication service provider server and the mobile terminal to the mobile terminal. Can be.

According to a second aspect of the present invention, in a portable terminal, a key input unit for receiving a numeric key and a special key, a transceiver for data communication required for electronic credit payment through a mobile communication server and a network, from the key input unit A control unit configured to request a credit inquiry of a cellular phone user in response to a key input of the control unit and to output a payment result received from the mobile service provider server; a first storage unit storing a program for performing the control operation; There is provided an integrated management portable terminal for performing an electronic credit payment function including a display unit for outputting the payment result through a screen display device and a printer for outputting the payment result in a document.

The integrated management portable terminal that performs the electronic credit payment function receives and stores accumulated communication records and payment results for the cellular phone user requesting credit payment between the mobile communication service provider server and the mobile terminal from the mobile communication service provider server. The apparatus may further include a second storage unit.

The integrated management portable terminal performing the electronic credit payment function may further include a bar code reader for reading commodity information from a bar code recording commodity information including a commodity price.

The transceiver may be in data communication with the mobile communication operator server through a wireless network using a wireless protocol.

The transceiver may be in data communication with the mobile communication operator server through at least one wired network of a wired Internet network, a LAN, and a WAN.

Hereinafter, a preferred embodiment of an electronic credit payment method and system between a mobile terminal and a mobile carrier according to the present invention will be described in detail with reference to the accompanying drawings.

Figure 1 shows a schematic block diagram of an electronic credit payment system between a mobile terminal and a mobile communication provider according to an embodiment of the present invention.

As shown in FIG. 1, an electronic credit payment system between a portable terminal and a mobile communication service provider according to the present invention includes a mobile personal digital assistant (PDA) 100, a cellular phone 110, and a mobile communication network. The service provider server system 120 is configured.

The mobile service provider server system 120 connected with the mobile communication network includes a base station 121, a base station controller 123, a mobile communication exchange 125, a mobile service provider server 127, and a cellular phone user credit payment information database 129. It consists of.

The base station 121, the base station controller 123, and the mobile communication exchange 125 described above in FIGS. 7 and 8 will not be described.

The mobile service provider server 127 receives the cellular phone user information and the cellular phone user's credit inquiry request from the portable information terminal (PDA) 100 and inquires the credit level, and transmits the inquiry result to the portable information terminal (PDA) 100. do. In addition, payment is performed using the cellular phone user information.

Here, the cellular phone user information may include a telephone number of the cellular phone, a password of the cellular phone user, and the like. That is, since the phone number is unique to each user, the phone number can be used to identify the user and use the credit number for the user.

Alternatively, the cellular phone user information may include the unique number of the cellular phone. In this case, a unique number of the cellular phone may be input to the portable information terminal (PDA) 100 by connecting the cellular phone and the portable information terminal (PDA) 100 with a cable such as RS-232C.

The cellular phone user credit settlement information database 129 stores credit information for each cellular phone user, contents of data communication accumulated between the mobile telecommunication service provider server 127 and the portable information terminal 100, and payment results.

The credit information may indicate a certain case as no credit. For example, if the user is a minor or a bad credit in a financial transaction, the user may be classified as having no credit. In other words, the database 129 stores the credit information in the case where there is no credit rating.

Figure 2 shows a schematic block diagram of an electronic credit payment system between a mobile terminal and a mobile communication provider according to another embodiment of the present invention.

Referring to FIG. 2, an electronic credit payment system between a portable terminal and a mobile communication service provider according to the present invention is a mobile communication service provider server connected to a portable information terminal (PDA) 100 and a portable information terminal (PDA) 100 by a wired network. 127, the cellular phone user credit settlement information database 129.

FIG. 2 differs from FIG. 1 in that the portable information terminal (PDA) 100 and the mobile communication service provider server 127 are connected by a wired network such as the Internet. The portable information terminal (PDA) 100 may be connected to a wireless network, but may be connected to the mobile service provider server 127 to pay the bill.

That is, when wireless communication is difficult or wired communication is more convenient, payment can be made using a wired network.

3 is a block diagram showing an internal configuration of a portable information terminal 100 according to an embodiment of the present invention.

Referring to FIG. 3, a portable information terminal (PDA) 100 includes a key input unit 102, a barcode reader unit 103, a control unit 101, a transmission / reception unit 104, a display unit 105, and a printer 106. And a memory 107.

The key input unit 102 may receive function keys such as numeric keys and special characters. The user may input user information such as a cellular phone 110 telephone number through the key input unit 102.

The barcode reader unit 103 is a portion for reading the barcode of the product. The inventors of the integrated management portable information terminal (PDA) 100 can read the product information through the barcode reader unit 103 and use it for product inventory management.

The controller 101 receives the user information through the key input unit 102 and controls the mobile communication service provider server 127 to request the user's credit inquiry. In addition, the control unit receives the credit check result from the mobile communication service provider server 127 through the transceiver 104 and outputs the result to the display 105 and the printer 106.

The memory 107 stores a program executed by the controller 101. The control program is preferably stored in the ROM so that it can be read and executed by the controller 101. The memory 107 may store temporary data required during the execution of the control program.

In addition, the memory 107 temporarily downloads the communication contents and the payment result accumulated between the mobile telecommunication service provider server 127 and the portable information terminal (PDA) 100 for the cellular phone user who is paying the credit from the mobile telecommunication service provider server. Can be stored as At this time, the data for the cellular phone user requesting the payment in consideration of the memory capacity may be stored in a volatile memory such as RAM, and the next data may be erased when the data for the next cellular phone user is stored.

By allowing the payment result to be output through the printer, if the receipt is lost, it is possible to prevent possible disadvantages between the store where the card reader is installed and the payment bank.

The transceiver 104 is a part for performing data communication required for electronic credit settlement through the mobile communication service provider server 127 and a wired or wireless network.

The display unit 105 may be an output unit for displaying a settlement result or the like and may be a liquid crystal display (LCD) of the portable information terminal (PDA) 100.

The printer 106 may output a payment result downloaded from the mobile service provider server 127 to make a receipt.

4 is a flowchart illustrating a process for performing electronic credit payment between a user of a portable information terminal (PDA) 100, a mobile service provider server 127, and a cellular phone 110 according to an exemplary embodiment of the present invention. Indicates. 5 is a flowchart illustrating a process for performing electronic credit payment according to an embodiment of the present invention. FIG. 4 illustrates a process for each subject of a portable information terminal (PDA) 100, a mobile service provider server 127, and a cellular phone user. FIG. 5 illustrates an electronic credit settlement system between a mobile terminal and a mobile service provider. The overall operation is explained.

4 and 5, first, cellular phone user information is received from the cellular phone 110 through the key input unit 102 or the RS-232C in the PDA 100 (step 401, step 501). ).

After connecting to the mobile operator server 127 from the PDA 100, the cellular phone user information is transmitted to the mobile operator server 127, and a credit inquiry of the cellular phone user is transmitted to the mobile operator server ( 127) (step 403, step 503).

Receives the cellular phone user information and the cellular phone user's credit inquiry request from the mobile operator server 127, reads the user's credit information and the payment limit from the cellular phone user credit settlement information database 129, and retrieves the credit information and the payment limit. Send the limit to the portable information terminal (PDA) 100 (step 405, step 505).

The portable information terminal (PDA) 100 receives the credit information and the payment limit, and transmits a payment request signal to the mobile communication service provider server 127 only when it is determined that the credit rating is satisfied (steps 407 and 507).

The mobile service provider server 127 receives the payment request signal, reads the accumulated payment payment record of the user from the cellular phone user credit payment information database 129, and pays the payment amount of the cellular phone user to display the payment result. 129 (step 409, step 509).

The mobile operator server 127 transmits the payment result to the portable information terminal (PDA) 100, and notifies the cellular phone user by text message using the SMS service (steps 411 and 511).

When the payment result is received by the portable information terminal (PDA) 100 and output to the screen through the display unit 105 such as the LCD (step 413), the cellular phone user confirms the payment result through the LCD (step) 513).

The portable information terminal (PDA) 100 outputs the payment result to the printer in the form of a receipt (step 415), and the cellular phone user checks the payment result through the receipt (step 417) and makes a payment (step 515).

Although the above has been described with reference to a preferred embodiment of the present invention, those skilled in the art to which the present invention pertains without departing from the spirit and scope of the invention as set forth in the claims below It will be appreciated that modifications and variations can be made.

The electronic credit payment method and system between the mobile terminal and the mobile carrier according to the present invention has the effect of making a payment between the mobile terminal and the mobile carrier through a wired network as well as a wireless network.

In addition, the present invention has the effect of increasing the speed of the real-time credit inquiry by using a direct call (direct call) method between the portable information terminal and the mobile operator server.

In addition, the present invention has the effect of giving a credit limit to each member using a cellular phone, not a card user, and confirming only the credit level of the cellular phone user through wired / wireless communication so that payment can be made.

In addition, the present invention prevents the disadvantages caused by lost receipt by downloading and storing the accumulated cellular phone user credit payment information, etc. stored in the database of the mobile operator server to a portable information terminal (PDA) and output in the form of a receipt There is an effect that can be done.

In addition, the integrated management portable terminal for performing the electronic credit payment function according to the present invention has the effect of providing the inventory management function by enabling to read the barcode recording the product information as well as the electronic credit payment function.

Claims (30)

In a portable terminal connected to a mobile operator server through a network, Receiving cellular phone user information; Connecting to a mobile service provider server; Transmitting the cellular phone user information to the mobile operator server and requesting a credit check of the cellular phone user; Receiving a credit inquiry result from the mobile service provider server; Transmitting a payment request signal to the mobile communication service provider server when there is a credit rating as a result of the credit inquiry; Receiving a payment result from the mobile service provider server; And Outputting the payment result Electronic credit payment method between the mobile terminal and the mobile carrier comprising a. The method of claim 1, The user information is And at least one of a telephone number of the cellular phone, a password of the cellular phone user, and a payment amount. The method of claim 2, Receiving the cellular phone user information is Receiving user information by key operation through key input unit Electronic payment method between the mobile terminal and the mobile carrier, characterized in that. The method of claim 2, Receiving the cellular phone user information is Connecting the portable terminal and the cellular phone through a wired network to receive a unique number of the cellular phone directly from the cellular phone; Electronic payment method between the mobile terminal and the mobile carrier, characterized in that. The method of claim 1, The step of accessing the mobile communication service provider server Accessing the mobile operator server through a wireless network using a wireless protocol; Electronic payment method between the mobile terminal and the mobile carrier, characterized in that. The method of claim 5, The wireless protocol includes a Handheld Device Transport Protocol (HDPT) and a Wireless Application Protocol (WAP). Electronic credit payment method between the mobile terminal and the mobile carrier comprising a. The method of claim 1, The step of accessing the mobile communication service provider server Connecting to the mobile communication operator server through at least one wired network of a wired internet network, a LAN, and a WAN. Electronic payment method between the mobile terminal and the mobile carrier, characterized in that. The method of claim 1, Receiving a credit inquiry result from the mobile operator server is Receiving the credit limit of the cellular phone user from the mobile operator server Electronic credit payment method between the mobile terminal and the mobile terminal, characterized in that it comprises a. The method of claim 1, The step of outputting the payment result Outputting the payment result through a liquid crystal display (LCD) of the portable information terminal (PDA); Electronic payment method between the mobile terminal and the mobile carrier, characterized in that. The method of claim 1, The step of outputting the payment result Outputting the payment result in the form of a receipt through a printer of the portable information terminal (PDA); Electronic payment method between the mobile terminal and the mobile carrier, characterized in that. The method of claim 1, Receiving and storing the accumulated communication contents and payment result of the cellular phone user who is making a credit payment between the mobile communication service provider server and the portable terminal from the mobile communication service provider server; Electronic credit payment method between the mobile terminal and the mobile communication provider further comprising a. The method of claim 1, The portable terminal A method of electronic credit payment between a portable terminal and a mobile carrier, comprising a portable digital assistant (PDA), a handheld PC (HPC) and a smart phone. The method of claim 1, The data transmission and reception between the portable terminal and the server of the mobile communication provider is performed by circuit switched circuit communication or packet switched packet communication. Electronic credit payment method between the mobile terminal and the mobile carrier, characterized in that. In the mobile operator server connected to the mobile terminal through a network, Receiving a connection request signal from the portable terminal to the mobile communication operator server through a network to establish a connection; Receiving a cellular phone user information and a credit inquiry request of the cellular phone user from the portable terminal; Querying the creditworthiness of the cellular phone user using the cellular phone user information; Transmitting a credit check result of the cellular phone user to the portable terminal; Receiving a payment request signal from the portable terminal; And Paying the payment amount of the cellular phone user using the cellular phone user information; Electronic credit payment method between the mobile terminal and the mobile carrier comprising a. The method of claim 14, The user information is And at least one of a telephone number of the cellular phone, a password of the cellular phone user, and a payment amount. The method of claim 14, The step of transmitting a credit inquiry result of the cellular phone user to the portable terminal Transmitting the credit limit of the cellular phone user to the portable terminal; Electronic credit payment method between the mobile terminal and the mobile terminal, characterized in that it comprises a. The method of claim 14, The portable terminal A method of electronic credit payment between a portable terminal and a mobile carrier, comprising a portable digital assistant (PDA), a handheld PC (HPC) and a smart phone. The method of claim 14, The data transmission and reception between the portable terminal and the server of the mobile communication provider is performed by circuit switched circuit communication or packet switched packet communication. Electronic credit payment method between the mobile terminal and the mobile carrier, characterized in that. The method of claim 14, Sending the payment result to the cellular phone user in a text message over a wireless network Electronic credit payment method between the mobile terminal and the mobile communication provider further comprising a. The method of claim 14, Transmitting the payment result to the portable terminal Electronic credit payment method between the mobile terminal and the mobile communication provider further comprising a. The method of claim 14, Transmitting the accumulated communication contents and payment result for the cellular phone user who is paying the credit between the mobile operator server and the portable terminal to the portable terminal; Electronic credit payment method between the mobile terminal and the mobile communication provider further comprising a. In a portable terminal, A key input unit for receiving a numeric key and a special key; Transmitting and receiving unit for data communication required for electronic credit payment through the mobile communication server and the network; A control unit controlling to request a credit inquiry of a cellular phone user in response to a key input from the key input unit, and controlling to output a payment result received from the mobile service provider server; A first storage unit storing a program for performing the control operation; A display unit which outputs the payment result through a screen display device; And A printer for outputting the payment result in a document; Integrated managed portable terminal performing an electronic credit payment function comprising a. The method of claim 22, A second storage unit for receiving and storing the accumulated communication records and payment results of the cellular phone user requesting credit payment between the mobile communication service provider server and the portable terminal from the mobile communication service provider server; Integrated management portable terminal performing the electronic credit payment function further comprises. The method of claim 22, And a bar code reader for reading commodity information from a bar code recording commodity information including a commodity price. The method of claim 22, The transceiver unit Communicating data with the mobile operator server over a wireless network using a wireless protocol Integrated management portable terminal performing the electronic credit payment function, characterized in that. The method of claim 22, The transceiver unit Data communication with the mobile operator server through at least one wired network of a wired internet network, a LAN and a WAN. Integrated management portable terminal performing the electronic credit payment function, characterized in that. An electronic credit payment system comprising a portable terminal, a mobile communication service provider server connected to a network by the portable terminal, Key input unit for inputting numeric key and special key, Barcode reader unit for reading product information from bar code that records product information including product price, For data communication required for electronic credit payment through mobile service provider server and network Control unit for controlling to request a credit inquiry of the cellular phone user in response to the key input from the key input unit, and a control unit for controlling to output the payment result received from the mobile operator server, and stores a program for performing the control operation A portable terminal including a first storage unit, a display unit for outputting the payment result through a screen display device, and a printer for outputting the payment result as a document; And Receives a connection request signal from the portable terminal to the mobile communication operator server through a network to establish a connection to receive cellular phone user information and a credit inquiry inquiry request of the cellular phone user from the portable terminal, and the cellular phone user information. Retrieves the credit rating of the cellular phone user, transmits a credit inquiry result of the cellular phone user to the portable terminal, receives a payment request signal from the portable terminal, and uses the cellular phone user information Mobile operator server to pay the user's payment amount Electronic credit payment system between a mobile terminal and a mobile terminal comprising a. Memory in which the program is stored; A processor coupled to the memory to execute the program Including but not limited to: The processor receives, by the program, i) cellular phone user information, ii) connects to a mobile operator server, iii) transmits the cellular phone user information to the mobile operator server, and retrieves the credit of the cellular phone user. Iv) receiving a credit inquiry result from the mobile operator server, and v) transmitting a payment request signal to the mobile operator server if there is a credit rating, and vi) the mobile operator server. Receiving a payment result from the service provider, and vii) outputting the payment result. Electronic credit payment system between portable terminal and mobile operator. Memory in which the program is stored; A processor coupled to the memory to execute the program Including but not limited to: The processor establishes a connection by receiving a connection request signal from the portable terminal to the mobile operator server through the network by the program, and ii) inquiries about cellular phone user information and credit of the cellular phone user from the portable terminal. Receiving a request, iii) querying the cellular phone user's creditworthiness using the cellular phone user information, iv) sending a credit query query result of the cellular phone user to the portable terminal, and v) sending a payment request signal to the mobile terminal. Receiving from the portable terminal, vi) paying the payment amount of the cellular phone user using the cellular phone user information; Electronic credit payment system between portable terminal and mobile operator. A recording medium tangibly embodied in a program that can be executed by a digital processing device to perform an electronic credit payment method between a portable terminal and a mobile carrier, the recording medium being readable by the digital processing device, Electronic credit payment method between the mobile terminal and the mobile communication provider, Receiving cellular phone user information; Connecting to a mobile service provider server; Transmitting the cellular phone user information to the mobile operator server and requesting a credit check of the cellular phone user; Receiving a credit inquiry result from the mobile service provider server; Transmitting a payment request signal to the mobile communication service provider server when the credit inquiry information is creditable enough to approve credit payment; And Receiving a payment result from the mobile service provider server; Recording medium comprising a.