KR20050106795A - Method and system for providing on-line credit card payment confirmation service by using short message - Google Patents

Abstract

The present invention relates to a method and system for providing a credit card payment reconfirmation service on a wired / wireless internet using a short message.

A user terminal receiving credit card information and transmitting an authorization request signal; A payment agency server configured to receive an approval request signal and transmit a payment approval or disapproval signal; A credit card company server generating and transmitting the payment approval or payment disapproval signal; A mobile service provider server receiving a user approval request signal from the credit card company server and determining whether the user is subscribed to a credit card payment service using a short message; An SMS server for creating and transmitting the short message for user authentication; And a mobile communication terminal which receives the short message for user authentication, generates a payment approval or payment disapproval response signal, and transmits it to the credit card company server. Provide a provision system.

Conventional credit card payment service on the wired and wireless Internet has a problem that can not prevent the illegal use of the credit card inherently, but according to the present invention every time a payment is made using the credit card, the credit card by the original owner It can check whether the card is being used normally in real time to prevent fraudulent use of the credit card due to loss, theft or forgery.

Description

       {Method and System for Providing On-Line Credit Card Payment Confirmation Service by Using Short Message}

The present invention relates to a method and a system for providing a credit card payment reconfirmation service on a wired or wireless Internet using a short message service (SMS). More specifically, when a payment request for a purchase price of a product, etc. occurs on the wired or wireless Internet, a text message containing the payment history information is transmitted to the credit card owner's mobile terminal, and the final payment of the credit card is made according to the response signal received. The present invention relates to a method and system for determining a credit card and paying a credit card.

In recent years, with the rapid growth of the Internet use population, the scale of electronic commerce in the Internet shopping mall has also increased dramatically. In these e-commerce, payment methods include a payment method using a credit card, a payment method using an online remittance, a payment method using an electronic money, and a payment method using a mobile phone.

1 is a simple block diagram of a conventional credit card payment system using the Internet.

The conventional credit card payment system 100 using the Internet includes a user terminal 110, payment agency server 120, Internet network 130, leased line 140, credit card companies 132, 134.

The user terminal 110 refers to a computer of a purchaser who wants to purchase an item in an internet shopping mall. The user terminal 110 may be any one of a desktop computer and a laptop computer, and has a built-in web browser. The payment agency server 120 refers to a server that links the credit card payment process between the user terminal 110 and the credit card company server (132, 134), the credit card company server (132, 134) and the dedicated line 140 It is connected to act as a credit card payment service.

After the user accesses an Internet shopping mall site and selects a product or service to purchase, the user selects a credit card payment as a payment method, and the user terminal 110 is connected to the payment agency server 120 and the web page of the payment agency is the user. It will appear on the terminal 110. Then, a window for inputting payment related information is displayed on the web page of the payment agency, and the user inputs the information.

The payment agency server 120 transmits the information related to the payment input by the user to the credit card companies 132 and 134 and requests payment approval. The card companies 132 and 134 check whether the information entered for the credit card is valid or whether the credit card is in proper credit status through the information related to the payment, and then settles a payment approval or payment disapproval signal. Send to agency server 120.

If the payment is approved, the payment agency server 120 stores information related to the payment of the user who has been paid in its own database of the payment agency server 120 and processes the payment, and the user terminal 110 indicates that the payment is completed. To be informed. However, if the payment is not approved, the payment agency server 120 notifies the user terminal 110 that the payment is impossible, the credit card payment process is terminated.

However, in the conventional credit card payment service system on the wired and wireless Internet, there are cases where a legitimate owner of a credit card suffers from such fraud when a credit card is used illegally due to loss, theft, or forgery. This is because, when paying with a credit card, a credit card authentication service is provided, but a service for verifying whether the user of the credit card is a legitimate user is not provided at all.

Among the methods for reducing the fraudulent use of the credit card is a method of transmitting a text message recorded with the payment history information to the mobile terminal of the legitimate owner of the credit card when payment is made. This method reduces the fraudulent use of credit cards by immediately notifying the rightful owner of the credit card if it is used fraudulently by an illegal user. However, this method is based on the premise that at least one credit card is used fraudulently, and thus, there is a fundamental problem that it does not prevent the illegal use of the credit card.

In order to solve the above problems, the present invention transmits the first payment approval signal to the user terminal and the mobile communication of the original owner of the credit card when the payment request for the purchase price of goods, etc. from the user terminal on the wired or wireless Internet occurs An object of the present invention is to provide a method and a system for transmitting a text message including payment history information to a terminal and determining whether the credit card is finally approved according to a response signal received.

To this end, the present invention is a system for providing a credit card payment reconfirmation service on the wired and wireless Internet through a user's final payment approval using a short message, a plurality of user terminals receiving the user's credit card information and transmitting an authorization request signal ; The user terminal is connected through the Internet network, and receives the social security number, the type of credit card and the credit card password from the user terminal, checks the type of credit card transmitted, and transmits the social security number and the credit card password to the corresponding credit card company server. Billing agency server; The credit card is searched if the credit card of the customer whose social security number and credit card password match the payment agency server and the lease line transmitted from the payment agency server is matched and the credit card password matches the credit card password. A credit card company server which determines whether the credit card is payable and performs credit card payment processing when the credit card is a payable credit card; A mobile service provider server receiving a user approval request signal from a credit card company server, determining whether the user is subscribed to a credit card payment reconfirmation service on the wired / wireless Internet using a short message, and transmitting a request signal for preparing a short message for user authentication; SMS server for receiving the creation request signal to create and send a short message for user authentication; And a mobile communication terminal that receives a short message for user authentication through a mobile communication network, generates a payment approval response signal or a payment disapproval response signal, and transmits the generated message to a credit card company server through the mobile communication network and the mobile service provider server. It provides a credit card payment reconfirmation service providing system on the wired or wireless Internet using a short message.

According to another object of the present invention, a plurality of user terminals that receive the user's credit card information and transmits an authorization request signal, payment agency server, credit card for transmitting the user's social security number and credit card password from the user terminal to the credit card company Credit card company server for authentication, Mobile service provider server for receiving a user approval request signal from the credit card company server, SMS server and mobile communication network to create and send a short message for user authentication after receiving the user approval request signal A method of providing a credit card payment reconfirmation service on a wired or wireless Internet using a short message, comprising a mobile communication terminal for determining whether to approve payment by receiving a short message for receiving a short message. Send request signal to agency server The step of transmitting; (b) checking, by the payment agency server, the information of the transmitted credit card and transmitting an authorization request signal to the corresponding card company server; (c) the credit card company server receiving the authorization request signal from the payment agency server to determine whether it is a valid credit card, and if it is determined to be a valid credit card, transmitting a user authorization request signal to the mobile service provider server; (d) receiving subscription information on a credit card payment service on a wired / wireless Internet using a short message from a mobile service provider server to determine whether to subscribe to the service; (e) generating a first payment approval signal and a final payment approval wait signal when the credit card is determined to be subscribed, and transmitting the same to the user terminal; (f) determining whether a payment is approved by receiving a response signal transmitted from the mobile communication terminal; (g) generating a final payment approval signal and transmitting the final payment approval signal to the user terminal through the payment agency server when it is determined that the payment approval has been made; And (h) performing the credit card payment by the user terminal receiving the final payment approval signal.

Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings. First, in adding reference numerals to the components of each drawing, it should be noted that the same reference numerals are used as much as possible even if displayed on different drawings. In addition, in describing the present invention, when it is determined that the detailed description of the related well-known configuration or function may obscure the gist of the present invention, the detailed description thereof will be omitted.

2 is a block diagram schematically showing a credit card payment reconfirmation service system 200 on a wired or wireless Internet using a short message according to a preferred embodiment of the present invention.

Credit card payment reconfirmation service system 200 on the wired or wireless Internet according to a preferred embodiment of the present invention is a user terminal 110, payment agency server 120, the Internet network 140, a dedicated line 150 and a plurality of It includes an electronic banking system 210 composed of credit card companies (212, 214). In addition, as a component for coupling the short message service to the credit card payment reconfirmation service system on the wired and wireless Internet, the mobile service provider server 220, SMS server 230, short message service center (SMSC) And a mobile switching center (MSC) 250, a radio access network (RAN) 260, and a mobile communication terminal 270. Hereinafter, a description of components that perform the same functions as those described with reference to FIG. 1 will be omitted.

Here, the electronic banking system 210 is a system for supporting various remote financial services, such as credit card payment, home banking, electronic commerce, a plurality of credit card companies (212, 214), banks (not shown) It is a comprehensive financial network with networked second financial institutions (not shown). Therefore, the payment agency server 120 transmits the payment approval request signal received from the user terminal 110 to the electronic financial system 210, the payment approval signal or payment disapproval signal of the electronic financial system 210 is the payment agency server It is transmitted to the user terminal 110 through 120.

The mobile service provider server 220 operates a wired / wireless website for processing a service subscription request of a user who wants to use a credit card payment reconfirmation service using a short message according to an embodiment of the present invention. Of course, the server of each credit card company (212, 214) as well as the mobile service provider server 220 may operate a service subscription application while operating a website. A wired website processes a service subscription made through a wired internet network using a personal computer (PC), and a wireless website processes a service subscription made through a wireless internet network using a mobile communication terminal. To this end, a wired website includes a number of web pages produced based on HTML (HyperText Markup Language). Wireless websites include a number of web pages built on top of the Wireless Markup Language (WML).

The subscriber database 222 stores information related to a member subscribed to the credit card payment reconfirmation service on the wired / wireless Internet using a short message according to the present invention. In addition, by receiving a credit card payment reconfirmation service using a short message, information on a payment history of processing a payment is stored. In other words, the subscriber database 222 stores whether the user approves the payment and the payment details when the payment is approved for each event in which the credit card payment reconfirmation service on the wired / wireless Internet using the short message is requested for each member.

The SMS server 230 receives a short message transmission request signal from the mobile service provider server 220 to generate a short message for user approval and transmits the short message to the SMSC 240. The short message for user approval is simply transmitted to the mobile terminal. The message may be a message for obtaining an American Standard Code for Information Interchange (ASCII) value of an input character, or may be a message for accessing a specific wireless webpage according to a guide message to obtain data input by a user. Here, the short message transmission request signal includes payment information received from the electronic banking system 210 included in the user approval information of the mobile communication service provider server 220.

SMSC 240 receives a short message from SMS server 230 and sends it to mobile switching center 250. In addition, the SMSC 240 receives a response signal transmitted from the mobile communication terminal 270 through the wireless access network 260 and the mobile switching center 250 and transmits the response signal to the mobile service provider server 220.

The mobile switching center 240 performs basic and additional service processing, incoming and outgoing call processing of subscribers, location registration and handoff procedures, and interworking with other networks. The mobile switching center 130 of the IS-95 A / B / C system includes an access switching subsystem (ASS) that performs distributed call processing, an interconnection network subsystem (INS) that performs centralized call processing, operation and maintenance. Subsystem such as Central Control Subsystem (CCS) that is in charge of the centralization function and Location Registration Subsystem (LRS) that performs the function of storing and managing information about the mobile subscriber. In addition, the mobile switching center 250 performs a function of relaying a short message between the SMSC 240 and the wireless access network 260.

The wireless access network 260 serves as a relay so that the mobile communication terminal 270 can connect with the mobile communication service provider server, and performs handoff and wireless support management functions. The radio access network 260 includes a base station transmitter 262 and a base station controller 264 and supports both synchronous and asynchronous. In this case, the base station transmitter 262 may be a base transceiver station (BTS), the base station controller 264 may be a base station controller (BSC), and the base station transmitter 262 may be a RTS (Radio Transceiver Subsystem). The base station controller 264 will be a Radio Network Controller (RNC). Of course, the wireless access network 260 according to an embodiment of the present invention is not limited thereto, but is a concept including a GSM network, not a CDMA network, and an access network of a fourth generation mobile communication system to be implemented in the future.

The base station transmitter 262 receives a call request signal from the mobile communication terminal 270 through a traffic channel of the signal channel, and transmits the received call request signal to the base station controller 264. In addition, the base station transmitter 262 is a network endpoint device that is directly connected to the mobile communication terminal 270 by performing baseband signal processing, wired and wireless conversion, and transmission and reception of wireless signals.

The base station controller 264 controls the base station transmitter 262, allocates and releases radio channels for the mobile communication terminal 270, controls the transmission output of the mobile communication terminal 270 and the base station transmitter 262, and soft cell-off between cells. It performs soft handoff and hard handoff decision, transcoding and vocoding, global positioning system (GPS) clock distribution, and operation and maintenance function for base station.

The mobile communication terminal 270 receives and displays a short message for user approval transmitted from the SMS server 230 through the mobile communication network. For example, the short message displayed on the liquid crystal display (LCD) screen of the mobile communication terminal 270 includes payment information such as payment date, payment amount, credit card number, authorization number, merchant name, merchant address, and whether or not to approve. May be included.

In addition, the mobile communication terminal 270 generates a response signal related to user approval according to the input key value or data value and transmits the response signal to the mobile communication service provider server 220 through the mobile communication network. Here, the response signal means a payment approval signal or a payment disapproval signal by the user. Accordingly, the mobile telecommunication service provider server 220 receiving the response signal from the mobile communication terminal 270 transmits the received response signal to the credit card companies 212 and 214 of the electronic banking system 210. The credit card companies 212 and 214 that have received the response signal generate a final payment approval signal or a final payment disapproval signal according to the response signal, and transmit the final payment approval signal or the final payment disapproval signal to the user terminal 110 through the payment agency server 120. The user terminal 110 proceeds with the payment according to the received final payment approval signal or the final payment disapproval signal.

On the other hand, the mobile communication terminal 270 according to an embodiment of the present invention is a PDA (Personal Digital Assistant), cellular phone, PCS (Personal Communication Service) phone, hand-held PC (Global System for Mobile) ) Phones, wideband CDMA (W-CDMA) phones, CDMA-2000 phones, Mobile Broadband System (MBS) phones, and the like. Here, MBS phone refers to a mobile phone to be used in the fourth generation system currently being discussed.

3A is an example screen showing payment information displayed on the mobile communication terminal 270, and FIG. 3B is an example screen showing payment history information stored in the mobile communication terminal 270.

As can be seen in Figure 3a, the mobile communication terminal 270 displays the payment information for the event requesting the payment by the current credit card. The displayed payment information includes a credit card number, a payment amount, and a payment date and time, and includes a 'confirmation' and a 'cancel' button for receiving the approval of the user of the mobile communication terminal 270. Accordingly, when the user selects the confirmation button, the user transmits a payment approval response signal to the mobile communication network. When the user cancels the selection button, the user transmits a payment disapproval response signal to the mobile communication network.

In addition, if the cancel button is selected, it is assumed that the credit card is illegally used by an illegal user, and therefore, it is preferable to provide a credit card fraud menu screen for registering a lost or stolen credit card. . When the fraudulent use of the credit card is registered on the fraudulent menu screen of the credit card, the fact is transmitted to the electronic financial system 210 through the mobile communication network. The electronic banking system 210 that is notified that the fraudulent use of the credit card has been registered restricts the use of the credit card and simultaneously sends a fraudulent signal including information on the fraudulent use of the user terminal through the payment agency server 120. The user terminal 110 transmits a warning message to the screen to suppress fraudulent use of the credit card.

On the other hand, when the confirmation button is selected in the credit card payment approval screen of Figure 3a may be provided with a storage query screen of the payment information asking whether to store the credit card payment approval information to the mobile communication terminal (270). When storage is requested on the storage inquiry screen of payment information, payment approval information is stored in a storage device such as a memory built in the mobile communication terminal 270.

In addition, a user who wants to check the payment approval history stored in the mobile communication terminal 270 may check the details of payments made with a credit card during the input period as shown in FIG. 3B by inputting period information in the payment approval history confirmation menu. In FIG. 3B, details of payment by credit card during the input period are displayed by date. Of course, although only the payment date and amount are displayed in FIG. 3B, when the confirmation button is selected, detailed payment information of the corresponding number, for example, a purchased product, may be displayed.

A separate credit card payment approval program is stored in the mobile communication terminal 270 in order to store the credit card payment approval, the payment details, and the verification described with reference to FIGS. 3A and 3B. When the credit card payment approval program receives a short message for user approval from the mobile communication network, the credit card payment approval program displays a credit card payment approval screen as shown in FIG. 3A and processes an input confirmation button or a cancel button. In addition, when the credit card payment approval history is stored, changed, or deleted in the storage device of the mobile communication terminal 270, and the request for viewing the credit card payment approval history is requested, the details within the input period are displayed in the order of payment date and time. do.

4 is a flowchart illustrating a first payment approval process of a credit card payment reconfirmation service on a wired / wireless internet using a short message according to a preferred embodiment of the present invention.

When a payment request using a credit card is generated in the user terminal 110, the user inputs the credit card information of the user to the user terminal (S400) and receives the credit card information from the payment agency server 120 (S402). The credit card information is transmitted to credit card companies 212 and 214 (S404).

The credit card companies 212 and 214 that have received the card information determine whether the credit card is a valid credit card or exceed the payment limit using the credit card number included in the card information (S406). If it is determined that the credit card company (212, 214) is not a valid credit card as a result of the determination in step S406, and transmits a payment disapproval signal to the user terminal 110 through the payment agency server 120 (S408). The user terminal 110 receiving the payment disapproval signal displays a transaction failure code and cancels the transaction work.

On the other hand, if the credit card company (212, 214) is determined to be a valid credit card in step S406, and transmits the user authorization information to the mobile communication service provider server 220 (S410). The mobile service provider server 220 searches whether the credit card is a credit card subscribed to a credit card payment service using a short message using the mobile station identification number among the received user approval information, and retrieves the search result from the credit card companies 212 and 214. S) (S412).

If the credit card companies 212 and 214 determine that the credit card is not subscribed to the credit card payment reconfirmation service on the wired / wireless Internet using the short message using the received search result, only the first payment approval signal including the predetermined authorization number is provided. Transmission to the user terminal 110 through the payment agency server 120 (S416). The user terminal 110 receiving the first payment approval signal performs the requested payment function (S418).

Meanwhile, if it is determined that the credit card companies 212 and 214 are credit cards subscribed to the credit card payment service using the short message in step S414, the first payment approval signal including the authorization number and the final payment approval wait signal are generated and settled. It transmits to the user terminal 110 through the agency server 120 (S420). After receiving the first payment approval signal and the final payment approval wait signal, the user terminal 110 displays the approval number and operates in a waiting state for receiving the final payment approval signal (S422).

5 is a flowchart illustrating a final payment approval process of a credit card payment reconfirmation service on the wired / wireless Internet using a short message according to a preferred embodiment of the present invention.

In the case of subscribing to the credit card payment reconfirmation service on the wired / wireless Internet using the short message in step S414 of FIG. 4, the mobile telecommunication service provider server 220 requests the SMS server 230 to create a short message for user approval (S500). ). The SMS server 230 creates a short message for user approval and transmits the short message for user approval to the mobile communication terminal 270 through the SMSC 240 and the mobile communication network (S502). The credit card payment approval program mounted on the mobile communication terminal 270 displays the received short message for user approval (S504).

The mobile communication terminal 270 receives a predetermined key value according to the short message sent by the SMS server 230, and determines whether the input key value is a key value for approving the credit card payment or accesses a specific wireless webpage. It is determined whether the data value is a data value for approving the credit card payment (S506). If it is determined that a key value or data value for approving the credit card payment is input, the mobile communication terminal 270 generates a payment approval response signal and transmits it to the mobile communication service provider server 220 through the mobile communication network (S508). If it is determined in step S506 that a key value or data value for disapproving credit card payment is input, the mobile communication terminal 270 transmits a payment disapproval response signal to the mobile communication service provider server 220 (S510).

The mobile telecommunication service provider server 220 receives a payment approval or payment disapproval response signal transmitted through the mobile communication network (S512), and transmits the received response signal to the corresponding credit card companies 212 and 214 (S514). The credit card companies 212 and 214 that have received the response signal from the mobile service provider server 220 determine whether the response signal is a payment approval response signal (S516). If it is determined that the credit card company (212, 214) is a payment approval response signal (S520), and determines that it is a payment disapproval response signal (S520) generates a final payment disapproval signal (S522). The credit card companies 212 and 214 transmit the generated final payment approval signal or final payment disapproval signal to the user terminal 110 through the payment agency server 120 (S524).

The user terminal 110 receiving the final payment approval or disapproval signal determines whether the received signal is the final payment approval signal (S526). If the user terminal 110 determines that the final payment approval signal is determined as a result of step S526, the user terminal 110 performs the requested credit card payment payment operation (S528). Otherwise, if it is determined that the final payment disapproval signal, the requested credit card payment operation is stopped, and the disability code due to the disapproval of the credit card original user is displayed.

The above description is merely illustrative of the present invention, and those skilled in the art to which the present invention pertains may various modifications without departing from the essential characteristics of the present invention. Accordingly, the embodiments disclosed herein are not intended to limit the present invention but to describe the present invention, and the spirit and scope of the present invention are not limited by these embodiments. It is intended that the scope of the invention be interpreted by the following claims, and that all descriptions within the scope equivalent thereto shall be construed as being included in the scope of the present invention.

As described above, the conventional credit card payment service on the wired and wireless Internet has a problem that it can not prevent the illegal use of the credit card, but according to the present invention, a credit message is used every time a payment is made using a credit card. It is possible to check in real time whether the card is normally used by a legitimate owner, thereby preventing unauthorized use of the credit card due to loss, theft, or forgery.

In addition, if the fraudulent use of a lost, stolen or counterfeit credit card is requested, the original owner of the credit card who has received a short message for user approval may immediately apply for the use of the credit card, indicating that the credit card is being used fraudulently. It has the advantage of being able to identify the user in real time and identify illegal users through IP tracking.

Finally, the increase in the reliability of credit card transactions on the Internet can further promote commerce activities over the wired and wireless Internet.

1 is a block diagram schematically showing a credit card payment system using a conventional Internet;

2 is a block diagram schematically showing a credit card payment reconfirmation system on a wired / wireless wired / wireless internet using a short message according to a preferred embodiment of the present invention;

3A is an example screen showing payment information displayed on a mobile communication terminal.

3b is an exemplary screen showing payment history information stored in a mobile communication terminal;

4 is a flowchart illustrating a first payment approval process among credit card payment reconfirmation services on the wired and wireless Internet using a short message according to a preferred embodiment of the present invention;

5 is a flowchart illustrating a final payment approval process of a credit card payment reconfirmation service on the wired / wireless Internet using a short message according to a preferred embodiment of the present invention.

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

110: user terminal 120: billing agency server

132, 134: Credit card company 140: Internet

150: leased line 210: electronic banking system

212, 214: credit card company 220: mobile communication provider server

222: Subscriber Database 230: SMS Server

240: SMSC 250: mobile switching center

260: wireless access network 262: base station transmitter

264: base station controller 270: mobile communication terminal

Claims (22)

A system for providing a credit card payment reconfirmation service on a wired or wireless Internet that uses a short message to approve a user's payment. A user terminal for receiving credit card information of the user and transmitting an authorization request signal; A payment agency server that receives the approval request signal through the wired / wireless Internet and transmits a payment approval or payment disapproval signal to the user terminal; A credit card company server generating and transmitting the payment approval signal or the payment disapproval signal; The mobile communication service provider receives a user approval request signal from the credit card company server, determines whether the user is subscribed to the credit card payment reconfirmation service on the wired / wireless Internet using a short message, and transmits a request signal for preparing a short message for user authentication. server; An SMS server configured to receive a request signal for creating a short message for user authentication, to create and transmit the short message for user authentication; And The mobile communication terminal receives the short message for user authentication through a mobile communication network, generates a payment approval response signal or a payment disapproval response signal, and transmits it to the credit card company server through the mobile communication network and the mobile communication service provider server. Credit card payment reconfirmation service providing system on the wired or wireless Internet using a short message comprising a. The method of claim 1, The payment approval signal includes a first payment approval signal and a final payment approval signal, and the payment disapproval signal includes a first payment disapproval signal and a final payment disapproval signal. Payment reconfirmation service provision system. The method of claim 1, The mobile service provider server may use a wired website constructed with HTML (HyperText Markup Language) or a wireless website constructed with WML (Wireless Markup Language) to process a subscription application for a credit card payment service using the short message. A system for providing a credit card payment reconfirmation service on a wired or wireless Internet using a short message, characterized by operating a wireless website built with a wireless markup language (WML) for inputting approval status. The method of claim 1, The mobile communication service provider server interoperates with a subscriber database storing subscriber information for determining whether the user is subscribed to the credit card payment reconfirmation service on the wired / wireless internet using the short message. Credit card payment reconfirmation service provision system. The method of claim 4, wherein The subscriber database is a credit card payment reconfirmation service providing system on a wired / wireless internet using a short message, characterized in that for storing the payment details for each subscriber by the credit card payment reconfirmation service on the wired / wireless internet using the short message. The method of claim 1, The system for providing a credit card payment reconfirmation service on the wired / wireless internet further includes a Short Message Service Center (SMSC) between the SMS server and a mobile switching center of the mobile communication network to transmit the short message for user authentication to the mobile communication terminal. Credit card payment service providing system using a short message, characterized in that. The method of claim 1, The mobile terminal displays the short message for user authentication on a user authentication screen, receives a key value while the user authentication screen is displayed, and generates the payment approval response signal or the payment disapproval response signal according to the input key value. Credit card payment reconfirmation service providing system of the Internet company using a short message, characterized in that the credit card payment approval program is installed to request. The method of claim 1, The mobile terminal displays the user authentication short message on a user authentication screen, accesses a wireless webpage according to the user authentication short message, receives data input by the user, and approves the payment according to the input data value. Credit card payment reconfirmation service providing system using a short message, characterized in that a credit card payment approval program is installed for requesting the generation of a response signal or the payment disapproval response signal. The method according to claim 7 or 8, The credit card payment approval program is a system for providing a credit card payment reconfirmation service using a short message, characterized in that it has a function of storing the payment history approved payment in the storage device built in the mobile communication terminal. The method of claim 1, The mobile communication terminal may be a PDA (Personal Digital Assistant), a cellular phone, a Personal Communication Service (PCS) phone, a Hand-Held PC (GSM), a Global System for Mobile (GSM) phone, a Wideband CDMA (W-CDMA) phone. System for providing a credit card payment reconfirmation service on the wired or wireless Internet using a short message, characterized in that it comprises at least one of a CDMA-2000 phone and a Mobile Broadband System (MBS) phone. A user terminal, a credit card company server for authenticating a credit card, a payment agency server for relaying data between the user terminal and the credit card company server, a mobile communication server for receiving a user approval request signal from the credit card company server, and for user authentication Claims [1] A method for providing a payment reconfirmation service for a credit card on a wired or wireless internet in a system including a mobile communication terminal for receiving a short message and determining whether to approve payment. (a) the user terminal receiving the credit card information and transmitting an authorization request signal to the payment agency server; (b) checking, by the payment agency server, the information of the transmitted credit card and transmitting the authorization request signal to a corresponding card company server; (c) the credit card company server receiving the authorization request signal from the payment agency server to determine whether it is a valid credit card, and if it is determined to be a valid credit card, transmitting a user authorization request signal to the mobile communication service provider server; (d) determining whether to subscribe to the service by receiving information on whether to subscribe to the credit card payment reconfirmation service on the wired / wireless Internet using a short message from the mobile communication service provider server; (e) in step (d), if it is determined that the credit card has been subscribed, generating a first payment approval signal and a final payment approval wait signal and transmitting the same to the user terminal; (f) determining whether a payment is approved by receiving a response signal transmitted from the mobile communication terminal; (g) generating a final payment approval signal and transmitting the final payment approval signal to the user terminal through the payment agency server when it is determined that the payment approval has been made; And (h) performing a credit card payment by the user terminal receiving the final payment approval signal; Method of providing a credit card payment reconfirmation service on the wired or wireless Internet using a short message comprising a. The method of claim 11, wherein in step (a), The authorization request signal includes a user's social security number, type of credit card, credit card number, credit card password, payment date and time, payment amount and user terminal code information. How to provide revalidation services. The method of claim 11, wherein in step (c), The user approval request signal includes a payment date, a payment amount, a credit card number, an authorization number, user terminal code information, and a mobile station identification number (MIN) of the mobile communication terminal. How to provide a card payment reconfirmation service. The method of claim 11, wherein in step (c), If it is determined that the credit card is not valid, the credit card company server transmits a first payment disapproval signal to the user terminal to stop the payment. The method of providing a credit card payment reconfirmation service on the wired / wireless internet using a short message. . The method of claim 11, wherein in step (d), If it is determined that the credit card company is not subscribed to the service, the credit card company server transmits the first payment approval signal to the user terminal to proceed with the payment. How to provide revalidation services. The method of claim 11, wherein in step (d), If it is determined that the credit card is subscribed to the service, the mobile telecommunication service provider server may further include transmitting a request signal for creating a user approval short message to an SMS server. How to provide a card payment reconfirmation service. The method of claim 16, The SMS server creates the user approval short message and provides the credit card payment reconfirmation service on the wired / wireless internet using the short message, wherein the user approval short message is transmitted to the mobile communication terminal through an SMSC and a mobile communication network. Way. The method of claim 17, The mobile communication terminal receiving the user approval short message generates and transmits a payment approval response signal or a payment disapproval response signal according to an input key value, and provides a credit card payment reconfirmation service on the wired / wireless internet using a short message. The method of claim 17, The mobile communication terminal receiving the user acknowledgment short message accesses a specific wireless webpage according to the user acknowledgment short message, and generates and transmits a payment approval response signal or a payment disapproval response signal according to data input by the user. Method of providing a credit card payment reconfirmation service on the wired or wireless Internet using a short message. The method of claim 11, wherein in step (e), The user terminal receiving the first payment approval signal and the final payment approval wait signal displays a received approval number and operates in a standby mode for receiving the final payment approval. How to provide a payment service. The method of claim 11, 18, or 19. If the credit card company server is determined that the response signal is the payment disapproval response signal, generating a final payment disapproval signal and transmits to the user terminal credit card payment reconfirmation service on the wired and wireless Internet using a short message. The method of claim 21, The user terminal receiving the final payment disapproval signal provides a credit card payment reconfirmation service on a wired / wireless internet using a short message, wherein the user terminal displays a user disapproval code and stops payment of a credit card.