KR20060096821A - Payment processing method and system and recording medium therefor - Google Patents

Abstract

According to the present invention, when a customer uses a relatively small amount of content from a content provider, at a time of payment of the fee for the content, in particular, predetermined payment authentication information (or code) provided to a wireless terminal owned by the customer is provided as a predetermined authentication means. In the payment processing used as, characterized in that the payment of the content fee is performed through a financial account associated with the customer information and / or wireless terminal number information of the customer.

The payment processing system includes a storage medium for linking and storing customer information and / or customer wireless terminal number information and the customer financial account information, and predetermined customer information and / or wireless terminal number information through a content providing server. Withdraw the content provision fee through a customer financial account corresponding to the customer information and / or wireless terminal number information in connection with a customer terminal provided by an authentication server and the server managing the storage medium and / or the customer financial account. It is possible to check whether the check result, and if possible withdraw, the authentication server for transmitting a predetermined content purchase authentication code to the customer wireless terminal and a customer wireless terminal for outputting the content purchase authentication code transmitted by the authentication server.

Preferably, the authentication server via the content providing server, or after receiving the content purchase authentication code from the customer terminal or customer wireless terminal, the content purchase authentication code and the received content previously transmitted to the wireless terminal The purchase authentication code is compared and, if there is a match, the content purchase authentication result of the customer is transmitted to the content providing server.

As a result, it is possible to prevent disadvantages due to the non-payment of the content usage fee using the wireless terminal, and also to settle the debit form through the customer's financial account, so that the content usage fee used by the customer's wireless terminal is prevented from being overdue. The recovery of the price can be kept stable.

Financial Account, Wireless, Fee

Description

 System and Method for Processing Payment and Recording Medium}

1 is a schematic functional configuration diagram of a payment processing system according to a preferred embodiment of the present invention.

2 is a simple flowchart of a payment processing process according to a preferred embodiment of the present invention.

3 is a simple flowchart of a payment processing process according to another preferred embodiment of the present invention.

4 is a schematic functional configuration diagram of a payment processing system according to another preferred embodiment of the present invention.

5 and 6 are simple flowcharts of a payment processing process according to a preferred embodiment of the present invention.

7 is a simple flowchart of a payment processing process according to another preferred embodiment of the present invention.

8 is a simplified illustration of stored information stored in a preferred information storage medium of the present invention.

<Description of main parts of drawing>

100: (authentication) server 105: payment processing authentication means

110: information receiving means 115: payment billing means

120: financial account confirmation means 125: information transmission means

130: customer authentication means 135: database

140: content providing server 145: communication service provider server

150: terminal 155: financial server

160: storage medium

The present invention relates to a payment processing method and system for processing payment for a content usage fee of a customer by using a financial account associated with customer information and / or customer wireless terminal number information.

In the conventional wireless fee processing method, the communication fee and / or content fee used by the customer's wireless terminal is calculated and accumulated for a predetermined period, and the calculated communication fee and / or content fee is calculated after the predetermined period has elapsed. When charged to a customer, the customer pays a postpaid wireless fee processing method that is settled by Giro or direct debit, and the customer prepays a predetermined amount as a communication fee and / or content fee used by the customer's wireless terminal, A prepaid wireless fee processing method for receiving the voice call and / or content using service within the prepaid amount of money is provided.

However, the postpaid wireless fee processing method includes a problem that the customer is overdue or not received when the customer does not settle the calculated communication fee and / or content fee, and the method of the prepaid wireless fee processing method In the case of using the prepaid amount during the voice call and / or the contents, the prepayment process may be inconvenient.

In addition, the content payment processing relay company (eg, PG, etc.) performs the content payment settlement process through a mobile communication company, the payment processing time of the small payment price was late, and the fee costs were not too small.

An object of the present invention is derived to solve the above problems, the payment processing to use the financial account associated with the customer information and / or customer wireless terminal number information, to handle the payment for the content usage fee of the customer To provide a method and system.

The payment processing method according to the present invention for achieving the above object comprises the steps of: receiving predetermined customer information and / or wireless terminal number information and payment information in a predetermined information receiving means; Corresponds to the customer information and / or the wireless terminal number information in conjunction with a storage medium for linking and storing information and / or customer wireless terminal number information and the customer financial account information and / or a server managing the customer financial account. Checking whether the payment is possible with the customer's financial account, and if it is possible to withdraw the result of the check, a predetermined information transmission means and the customer wireless terminal and / or the customer information (and / or wireless terminal number information) And transmitting the predetermined payment authentication information (or code) to the server (or terminal) that sent the payment information. It is characterized by.

In addition, the present invention may be configured to further include the step of claiming the payment to the server for managing the customer financial account through a predetermined payment billing means.

The present invention may further include requesting validity authentication of the wireless terminal from the customer information and / or wireless terminal number information to a communication service provider server corresponding to the wireless terminal through a predetermined information transmission means. Can be.

In addition, the present invention, if the customer terminal transmits the payment authentication information (or code) via the server, after receiving it, the payment authentication information (or code) previously transmitted to the customer wireless terminal and the Comparing the received payment authentication information (or code), and if the comparison result, it may be configured to further include a payment processing authentication step for transmitting the payment authentication results to the server.

In addition, the present invention, by generating a predetermined authentication information by confirming the password entered by the customer through a predetermined program in the customer terminal, and transmitting the generated authentication information, after receiving it, the customer terminal is transmitted The authentication information may be configured to further include a customer authentication step of authenticating the customer and / or the customer terminal by comparing the authentication information previously stored in the predetermined database.

In addition, the payment processing method according to the present invention comprises the steps of receiving predetermined customer information and / or wireless terminal number information and payment information in a predetermined information receiving means, and the customer information and / in a predetermined financial account confirmation means; Or customer finance corresponding to the customer information and / or wireless terminal number information by interworking with a storage medium for linking and storing customer wireless terminal number information and the customer financial account information and / or a server managing the customer financial account. Checking whether the payment amount can be withdrawn through an account; and if it is possible to withdraw the result of the check, a predetermined information transmission means provides the customer information and / or the wireless terminal number information and the payment information on the payment withdrawable information; It may include the step of transmitting to the server (or terminal).

Here, the present invention may be configured to further include the step of billing the payment to the server for managing the customer financial account through a predetermined payment billing means.

The method may further include authenticating the validity of the wireless terminal by using the customer information and / or wireless terminal number information.

On the other hand, the present invention includes a recording medium characterized by recording a program for executing the aforementioned payment processing method.

In addition, the payment processing system according to the present invention, information receiving means for receiving predetermined customer information and / or wireless terminal number information and payment information, customer information and / or customer wireless terminal number information and the customer financial account information The payment through a customer financial account corresponding to the customer information and / or wireless terminal number information transmitted by the payment processing request server in conjunction with the storage medium and / or the server for managing the customer financial account linked to the processing; Financial account checking means for checking whether a withdrawal is possible, and information transmission means for transmitting predetermined payment authentication information (or code) to the customer wireless terminal and / or payment processing request server if the check result is withdrawn. It features.

In addition, the payment processing system may be configured to further include a payment billing means for billing the payment to the server for managing the customer financial account.

The payment processing system may further include information transmission means for requesting validity authentication of the wireless terminal by transmitting the customer information and / or wireless terminal number information to a communication service provider server corresponding to the wireless terminal. Can be.

In addition, the payment processing system, if the customer terminal transmits the payment authentication information (or code) via the payment processing request server, after receiving it, the payment authentication information previously transmitted to the customer wireless terminal ( Or a code) and the received payment authentication information (or code), and if the comparison result is matched, the payment processing authentication means for transmitting the payment authentication result to the payment processing request server.

The payment processing system may generate predetermined authentication information by confirming a password input by the customer through a predetermined program in the customer terminal, and transmit the generated authentication information. Comparing the transmitted authentication information and the authentication information previously stored in a predetermined database, it can be configured to further include a customer authentication means for authenticating the customer and / or the customer terminal.

Further, according to the present invention, the payment processing system, information receiving means for receiving predetermined customer information and / or wireless terminal number information and payment information, customer information and / or customer wireless terminal number information and the customer financial account Is it possible to withdraw the payment price through a customer storage account corresponding to the received customer information and / or wireless terminal number information by interworking with a storage medium and / or a server managing the customer financial account in which the information is linked and stored; A financial account checking means for confirming and an information transmitting means for transmitting the payables withdrawable information to the server (or terminal) providing the customer information and / or the wireless terminal number information and the payment price information when the check result can be withdrawn; It can be made with.

Here, the payment processing system may be configured to further include a payment billing means for billing the payment to the server managing the customer financial account.

The payment processing system may further include a wireless terminal validity authentication means for authenticating the validity of the wireless terminal by using the customer information and / or wireless terminal number information.

Preferably, the payment processing system according to the present invention, it may be made of a single server, or may be composed of a plurality of servers provided with each means.

On the other hand, the present invention is characterized by comprising a recording medium on which a program for executing at least one or more means functions included in the above-mentioned payment processing system is recorded.

Hereinafter, with reference to the accompanying drawings and description will be described in detail the operating principle of the payment processing system according to the present invention. However, the drawings and the following description shown below are for the preferred method among various methods for effectively explaining the features of the present invention, the present invention is not limited only to the drawings and description below. In addition, in the following description of the present invention, if it is determined that a detailed description of a related known function or configuration may unnecessarily obscure the subject matter of the present invention, the detailed description thereof will be omitted. Terms to be described later are terms defined in consideration of functions in the present invention, which may vary according to intentions or customs of users or operators. Therefore, the definition should be based on the contents throughout the present title.

In addition, preferred embodiments of the present invention to be carried out below are provided in each system functional configuration to efficiently describe the technical components constituting the present invention, or system functions that are commonly provided in the technical field to which the present invention belongs. The configuration will be omitted, and described mainly on the functional configuration to be additionally provided for the present invention.

If those skilled in the art to which the present invention pertains, it will be able to easily understand the function of the components that are conventionally used among the omitted functional configuration not shown below, and also the configuration omitted as described above The relationship between the elements and the components added for the present invention will also be clearly understood.

1 is a schematic functional configuration diagram of a payment processing system according to a preferred embodiment of the present invention.

Figure 1 is a predetermined number of payment authentication information provided to a wireless terminal owned by the customer at the time of payment of the fee for the content, when a customer connected to the content providing server 140 uses the content of a relatively small amount according to the present invention In the payment processing process using (or a code) as a predetermined authentication means, payment of the content fee is performed through a financial account associated with customer information and / or wireless terminal number information of the customer.

Referring to Figure 1, at least one or more functional means (e.g., information receiving means 110, and / or financial account confirmation means, and / or information transmission means 125, and / or provided in the above-described payment processing system Payment billing means, and / or payment processing authentication means 105, and / or customer authentication means 130, etc.) are included in server 100 (or authentication server) shown in FIG. Through the payment processing system shown, it is only presented to describe a preferred embodiment of the payment processing process according to the present invention, the functional means are made of a single server 100, or each of the means is provided It is specified that the plurality of servers 100 can be made.

In particular, when the functional means consists of a single server 100, the single server 100 may be a content providing server 140 and / or carrier server 145 and / or a separate server on the network. Add.

As shown, the payment processing system according to a preferred embodiment, the storage medium 160 for storing the customer information and / or customer wireless terminal 150 number information and the customer financial account information in association with the storage server, and the content providing server ( A client terminal 150 providing predetermined customer information and / or wireless terminal number information to the authentication server 100 (or a server) through the storage medium 140 and the storage medium 160 and / or the customer financial account. In conjunction with the server 155 that manages the check, whether the content providing fee withdrawal is possible through the customer financial account corresponding to the customer information and / or wireless terminal number information, and if the check result withdrawable, the customer wireless terminal An authentication server 100 for transmitting a predetermined content purchase authentication code to 150 and a customer wireless terminal 150 for outputting the content purchase authentication code transmitted by the authentication server 100 may be configured. There.

Preferably, the authentication server 100, via the content providing server 140, or after receiving the content purchase authentication code from the customer terminal 150 or customer wireless terminal 150, the wireless terminal The content purchase authentication code previously transmitted to 150 is compared with the received content purchase authentication code, and if it matches, the content purchase authentication result of the customer is transmitted to the content providing server 140.

Preferably, the customer terminal 150 or the content providing server 140 may further provide the content providing fee information to the authentication server 100.

Also, the illustrated payment processing system receives the customer information and / or wireless terminal number information from the authentication server 100 and uses the customer information and / or wireless terminal number information of the wireless terminal 150. After authenticating the validity, the service provider server 145 may further include an authentication result transmitted to the authentication server 100.

In addition, the service provider server 145 corresponding to the content providing server 140 or the authentication server 100 or the wireless terminal 150 on the illustrated payment processing system, the financial server 155 for managing the customer financial account ) Can charge the content usage fee of the customer.

Here, the financial server 155 is settled for the content usage fee of the customer from the content providing server 140 or the authentication server 100 or the communication service provider server 145 corresponding to the wireless terminal 150. Receiving a processing request, and through the customer financial account can be settled or periodically settle the content usage fee of the customer.

In addition, the illustrated storage medium 160 may include a communication server 145 corresponding to the authentication server 100 and / or the wireless terminal 150, and / or a financial server managing the customer financial account ( 155), and / or servers on the network.

In addition, the illustrated customer terminal 150 may include a wired terminal 150 including a personal computer (PC), a personal communication system (PCS) and / or a global system for mobile communications (GSM). Terminal and / or Personal Digital Cellular Terminal (PDC) and / or Personal Handyphone System (PHS) Terminal and / or Personal Digital Assistant (PDA) and / or Smart Phone and / or It may refer to a wireless terminal including a wireless data communication terminal and / or a portable internet terminal.

In addition, as described above, the authentication server 100, information receiving means 110, financial account confirmation means, information transmission means 125, payment billing means, payment processing authentication means 105, And it characterized in that it comprises a customer authentication means 130, the information receiving means 110 is connected to the content providing server 140 is input from the terminal 150 of the customer to use a predetermined content (Or after the customer authentication in the content providing server 140, the customer information previously stored in the content providing server 140 is extracted and transmitted to the server 100) predetermined customer information and / or wireless terminal number information Receive

In addition, the financial account checking means of the server 100, when the customer information and / or wireless terminal number information of the customer is received through the information receiving means 110, the customer information and / or customer wireless terminal number information In conjunction with the storage medium 160 for storing the customer financial account information processed in connection with the customer information and / or wireless transmitted by the server 100 (eg, the content providing server 140, etc.) requesting the payment processing Check whether the payment can be withdrawn through the customer financial account corresponding to the terminal number information.

According to another preferred method, the financial account checking means, when the storage medium 160 is provided in the financial server 155 for managing the customer financial account, in conjunction with the financial server 155, the customer information And / or through the customer financial account corresponding to the wireless terminal number information, it is possible to check whether the payment can be withdrawn.

In addition, the information transmitting means 125 of the server 100, when the financial account checking means confirms whether the payment price withdrawable through the customer financial account is possible, withdrawal of the payment price from the financial account is possible. In addition, predetermined payment authentication information (or code) is transmitted to the customer wireless terminal 150 and / or the content providing server 140 (or the payment processing request server).

Here, the payment authentication information (or code) may be a content purchase authentication code for using the content (or purchase), and may be randomly generated including letters, and / or numbers, and / or images. And, if it is transmitted to the customer wireless terminal 150, it is preferably transmitted in the form of Short Message Service (SMS) and / or Multimedia Messaging Service (MMS).

In addition, the information transmission means 125, the communication service provider server 145 corresponding to the wireless terminal 150 to the customer information and / or radio terminal number information of the customer received through the information receiving means 110. By transmitting to, the validity of the wireless terminal 150 may be requested.

In addition, the payment processing authentication means 105 of the server 100, after the payment authentication information (or code) is transmitted to the customer wireless terminal 150 through the information transmission means 125, the customer Recognizing the transmitted payment authentication information (or code), when the payment authentication information (or code) is input to the content providing server 140 through the customer terminal 150, the content providing server 140 Comparing the received payment authentication information (or code) and the payment authentication information (or code) previously transmitted to the customer wireless terminal 150 through the medium, and if the comparison result is matched, the content providing server ( 140, the payment verification result is transmitted.

In addition, the payment billing means of the server 100, through the payment processing authentication means 105 in the payment processing authentication processing process for the use (or purchase) of the content or after the authentication processing process is completed, the customer financial account The server 155 to manage the payment information can be sent billing information.

In addition, the customer authentication means 130 of the server 100, a predetermined program (or agent) previously provided by the server 100 to the customer terminal 150 for security, etc. in the payment process. When installed, when requesting the use of the content through the customer terminal 150, checks the password input by the customer through the program to generate predetermined authentication information, and if the generated authentication information is transmitted, after receiving it, The customer information 150 and the customer terminal 150 are authenticated by comparing the authentication information transmitted from the customer terminal 150 with the authentication information previously stored in the predetermined database 135.

Here, the authentication information generated from the program installed in the customer terminal 150 is received in the process of receiving the customer information and / or wireless terminal number information to the server 100 through the content providing server 140 or And / or when the program installed in the customer terminal 150 and the server 100 are connected through a predetermined channel, the server 100 may be provided to the server 100 through the connected channel.

On the other hand, the payment processing system according to another preferred embodiment of the present invention, the storage medium 160 and the content providing server 140 for storing the customer information and / or customer wireless terminal number information and the customer financial account information linked to the processing; A client terminal 150 providing predetermined customer information and / or wireless terminal number information to the authentication server 100 through the server, and a server managing the storage medium 160 and / or the customer financial account; 155, check whether the content providing fee withdrawal is possible through a customer financial account corresponding to the customer information and / or wireless terminal number information, and if it is possible to withdraw the verification result, the customer wireless terminal 150 and the Customer wireless terminal that outputs the content purchase authentication code transmitted by the authentication server 100 and the authentication server 100 to the predetermined content purchase authentication code to the content providing server 140 ( 150).

Here, the content providing server 140 receives the content purchase authentication code from the customer terminal 150 or the customer wireless terminal 150, and the content purchase authentication code transmitted from the authentication server 100 and the The received content purchase authentication code may be compared to provide the content to the customer if they match.

On the other hand, the above-described financial account management system includes a recording medium, characterized in that for recording a program for executing at least one or more functional means for paying the content fee using the customer financial account according to the present invention.

2 is a simple flowchart of a payment processing process according to a preferred embodiment of the present invention.

FIG. 2 is a payment processing process for payment of a fee for a user's use of content (or purchase) using a payment processing system shown in FIG. 1 through a financial account associated with the customer information and / or wireless terminal number information. In addition, the storage medium 160 and / or the financial server that stores the financial account associated with the customer information and / or wireless terminal number information of the customer in the server (100) (or authentication server) shown in Figure 1 In connection with (155), it is characterized in that it is possible to determine whether the payment withdrawal.

In addition, Figure 2 is a server 140 (or authentication server) shown in Figure 1 via the server 140 for providing the content to the customer, or the customer terminal 150 or the customer wireless terminal 150 Receiving the content purchase authentication code, compares the content purchase authentication code previously transmitted to the wireless terminal 150 with the received content purchase authentication code, and processes payment according to whether the content purchase authentication code matches. It is characterized in that is performed.

In addition, prior to describing FIG. 2, the storage medium 160 stores customer financial account information associated with customer information and / or customer wireless terminal number information.

Referring to FIG. 2, the illustrated payment processing process may be performed by a customer connecting to a content providing server 140 that retains and / or provides at least one or more contents through a wired or wireless communication network and uses (or purchases) predetermined contents. May be started from the process of selecting 200.

When predetermined customer information and / or radio terminal number information for the content use (or purchase) is input from the customer terminal 150, the customer information and / or radio terminal number information input from the customer terminal 150 and The content use payment information is transmitted to the server 100 shown in FIG. 1 through the content providing server 140 (205).

When the customer information and / or the wireless terminal number information and the content use payment price information are received through the information receiving means 110 of the server 100, the financial account checking means provided in the server 100 is customer information. And / or the customer information and / or the wireless terminal received by the information receiving means 110 from the storage medium 160 and / or the financial server 155 for storing customer financial account information associated with the customer wireless terminal number information. In operation 210, a financial account corresponding to the number information exists.

Here, if the financial account corresponding to the customer information and / or the wireless terminal number information received by the information receiving means 110 from the storage medium 160 and / or the financial server 155 is not confirmed (215), The information transmitting means 125 of the server 100 may transmit a content fee payment impossible message using the financial account according to the present invention to the content providing server 140 and / or the customer terminal 150 (220).

On the other hand, when the financial account corresponding to the customer information and / or wireless terminal number information received by the information receiving means 110 from the storage medium 160 and / or the financial server 155 is confirmed (225), The financial account checking means of the server 100 determines whether it is possible to withdraw the payment according to the use of the content through the confirmed customer financial account (230).

For example, in the determining of the financial account checking means, the balance check of the checked customer financial account is performed by referring to the contents use payment price information received through the information receiving means 110, This can be done by checking whether the balance can be paid by the balance.

As a result of the determination of the financial account checking means, if payment of the content using the payment price using the customer financial account is not possible (235), the information transmitting means 125 of the server 100 is the content providing server 140 ) And / or a non-payment message to the customer terminal 150 (220).

On the other hand, if the payment of the content use payment price using the customer financial account is possible (240), the information transmitting means 125 of the server 100 is the customer wireless terminal 150 and / or content providing server ( 140, predetermined payment authentication information (or code) is transmitted (245).

In addition, when the payment authentication information (or code) received through the wireless terminal 150 is input from the customer terminal 150 and is transmitted to the server 100 through the content providing server 140 (250). The payment processing authentication means 105 of the server 100 transmits the payment authentication information (or code) input and transmitted from the customer terminal 150 through the information transmission means 125 to the customer wireless terminal 150. The payment authentication information (or code) is compared with the payment authentication information (or code) to confirm whether or not the match (255).

Here, the payment authentication information (or code) input from the customer terminal 150 and the payment authentication information (or code) transmitted to the customer wireless terminal 150 through the information transmission means 125 do not match. If not (260), the payment authentication information mismatch information may be transmitted to the content providing server 140 and / or the customer terminal 150 through the information transmitting means 125 of the server 100 (265).

On the other hand, if the settlement authentication information (or code) of the payment processing authentication means 105 confirms that the two payment authentication information (or code) is matched (270), the payment processing authentication means 105 is The payment authentication matching result is transmitted to the content providing server 140 (275), and the payment billing means of the server 100 uses the content of the customer (or purchases) to the financial server 155 managing the customer account. Billing for 280).

Although not shown in FIG. 2, the financial server 155 may perform daily settlement or periodic settlement of the content usage fee of the customer through the customer financial account according to the payment bill of the server 100. Can be.

3 is a simple flowchart of a payment processing process according to another preferred embodiment of the present invention.

3 is a payment processing process through the financial account associated with the customer information and / or wireless terminal number information using the payment processing system shown in FIG. In the above, the content providing server 140 shown in FIG. 1 receives the content purchase authentication code from the customer terminal 150 or the customer wireless terminal 150, and the received content purchase authentication code and the figure 1 Comparing the content purchase authentication code provided from the server 100 shown in the, characterized in that the payment processing is performed according to whether the content purchase authentication code matches.

In addition, Figure 3 is a predetermined customer authentication agent (or program) provided from the server 100 for the authentication of the customer to use (or purchase) the content on the customer terminal 150, the present invention is According to the customer fee processing for the use (or purchase) of the content of the customer, characterized in that the customer authentication process using the customer authentication agent is added.

3, the storage medium 160 preferably stores customer financial account information associated with customer information and / or customer wireless terminal number information.

Referring to FIG. 3, it may be started from a process in which a customer selects a predetermined content use (or purchase) by accessing a content providing server 140 through a wired or wireless communication network (300). In this process, a customer authentication agent previously installed in the terminal 150 may be executed by the customer, and the customer authentication agent may request input of a password given to the customer (305).

If customer authentication using the customer authentication agent fails (310), a customer authentication failure message may be output or a password may be re-input (315).

Customer authentication is successfully performed (320), the customer information and / or wireless terminal number information and the content usage payment price information input from the customer terminal 150 through the content providing server 140 through the server 100 When the information is transmitted to the receiving means 110 (325), the financial account identification means of the server 100 is a storage medium 160 that stores customer financial account information associated with the customer information and / or customer wireless terminal number information And / or the financial server 155 checks whether a financial account corresponding to the customer information and / or wireless terminal number information exists (330).

A financial account corresponding to the customer information and / or the wireless terminal number information received by the information receiving means 110 from the storage medium 160 and / or the financial server 155 as a result of the financial account verification of the financial account checking means; If it is not confirmed (335), the information transmission means 125 of the server 100 is the content providing server 140 and / or the customer terminal 150 content payment fee using the financial account according to the present invention is not possible The message may be sent (340).

However, when the financial account corresponding to the customer information and / or wireless terminal number information received by the information receiving means 110 from the storage medium 160 and / or the financial server 155 is confirmed (345), The financial account checking means of the server 100 determines whether it is possible to withdraw the payment for the use of the content through the checked customer financial account (350).

As a result of the determination of the financial account checking means, if payment of the content using the customer financial account is not possible (355), the information transmitting means 125 of the server 100 is the content providing server 140. And / or a non-payment message to the customer terminal 150 (340).

On the other hand, according to the present invention, if it is possible to pay the content using the payment price using the customer financial account (360), the information transmitting means 125 of the server 100 is the customer wireless terminal 150 and / Alternatively, the predetermined payment authentication information (or code) is transmitted to the content providing server 140 (365).

In addition, when the payment authentication information (or code) received through the wireless terminal 150 is input from the customer terminal 150 and transmitted to the content providing server 140 (370), the content providing server 140 ) Compares the payment authentication information (or code) input from the customer terminal 150 with the payment authentication information (or code) transmitted from the information transmission means 125 of the server 100, and the payment authentication information (or Code) is checked (375).

Here, if the payment authentication information (or code) input from the customer terminal 150 and the payment authentication information (or code) transmitted from the information transmitting means 125 of the server 100 does not match (380), The content providing server 140 may transmit the payment authentication information mismatch information to the server 100 and / or the customer terminal 150 in operation 385.

However, as a result of checking whether the payment authentication information (or code) of the content providing server 140 matches, if the two payment authentication information (or codes) match (390), the payment processing authentication means 105 is the server ( 100 and transmits the payment verification match result, and the payment billing means of the server 100 bills the payment for the customer's use of the content (or purchase) to the financial server 155 managing the customer account. (395).

4 is a schematic functional configuration diagram of a payment processing system according to another preferred embodiment of the present invention.

Figure 4 is in the payment processing for the content to be used or purchased by the customer connected to the content providing server 140 according to the present invention, the customer in the communication service provider server 145 in conjunction with the content providing server 140 It is characterized in that the payment of the content fee in conjunction with the storage medium 160 and / or the financial server 155 is stored in the financial account associated with the customer information and / or wireless terminal number information of the.

Referring to FIG. 4, the illustrated payment processing system includes at least one or more functional means (eg, information receiving means 110, and / or financial account checking means, and / or information transmitting means 125, and / or payment). Billing means, and / or payment processing authentication means 105, and / or customer authentication means 130, etc.) is included in the carrier server 145, which is shown through the illustrated payment processing system. It is only presented to describe a preferred embodiment of the payment processing process according to the invention, the functional means may be composed of a single server 100, or may be composed of a plurality of servers 100 provided with each means. Specify that there is.

In particular, when the functional means consists of a single server 100, the single server 100 may be a content providing server 140 and / or authentication server 100 and / or a separate server on the network.

As shown in the drawing, the payment processing system includes a storage medium 160 for storing and processing customer information and / or customer wireless terminal number information and the customer financial account information through a content providing server 140. Receiving the customer terminal 150 and the customer terminal information and / or radio terminal number information to the authentication server 100, the customer information and / or radio terminal number information through the authentication server 100, and the customer information and / Or authenticate the validity of the wireless terminal 150 using the wireless terminal number information, in conjunction with the server 155 for managing the storage medium 160 and / or the customer financial account, the authentication server 100 Check whether it is possible to withdraw the content providing fee through a customer financial account corresponding to the customer information and / or the wireless terminal number information transmitted by the user), and if it is possible to withdraw the verification result, the authentication result and the authentication server 100 The authentication server for transmitting a predetermined content purchase authentication code to the customer wireless terminal 150 according to the communication service provider server 145 for transmitting a confirmation result and the authentication result and the confirmation result transmitted from the service provider server 145. 100 and the customer wireless terminal 150 for outputting the content purchase authentication code transmitted by the authentication server 100 may be configured.

Here, the authentication server 100, through the content providing server 140, or after receiving the content purchase authentication code from the customer terminal 150 or customer wireless terminal 150, the wireless terminal ( The content purchase authentication code previously transmitted to 150 may be compared with the received content purchase authentication code, and if the match is identical, the content purchase authentication result of the customer may be transmitted to the content providing server 140.

In addition, the authentication server 100 may further provide the content providing fee information to the service provider server 145.

In addition, the service provider server 145 corresponding to the content providing server 140 or the authentication server or the wireless terminal 150 is a financial server 155 that manages the customer financial account, the content usage fee of the customer. Characterized by claim.

Preferably, the financial server 155, the content providing server 140, the authentication server or the service provider server 145 corresponding to the wireless terminal 150, the settlement request for the content usage fee of the customer Receiving, and through the customer financial account characterized in that the daily use processing or periodic processing of the content usage fee of the customer.

In addition, the illustrated storage medium 160, the service provider server 145 corresponding to the authentication server 100, and / or the wireless terminal 150, and / or financial server for managing the customer financial account. 155, and / or servers on the network.

In addition, the customer terminal 150, characterized in that comprises a wired terminal 150 and / or a wireless terminal 150, the wired terminal 150 may include a PC and / or a telephone, The predetermined password may be generated by confirming a password input by the customer through a predetermined program, and the generated authentication information may be transmitted to the authentication server 100.

In addition, the authentication server 100 compares the authentication information transmitted from the customer terminal 150 with the authentication information previously stored in a predetermined database 135, and transmits the information to the customer and / or the customer terminal 150. Can be authenticated.

In addition, the illustrated payment processing system may be composed of a single server or a plurality of servers provided with the respective means.

Referring to FIG. 4, in more detail, the illustrated service provider server 145 includes information receiving means 110, financial account checking means, information transmitting means 125, payment billing means, and wireless terminal. (150) A validity authentication means or the like can be provided.

The information receiving means 110 is a predetermined input from the terminal 150 of the customer who wants to use (or purchase) the predetermined content from the authentication server 100 is transmitted through the content providing server 140 Receive customer information and / or wireless terminal number information and payment information.

In addition, the financial account checking means of the communication operator server 145, the customer information and / or wireless terminal number information and payment information of the customer from the authentication server 100 through the information receiving means 110 is received. The storage medium 160 and / or the customer financial account management financial server 155 storing the customer financial account information processed in association with the customer information and / or the customer wireless terminal number information. It is checked whether the payment can be withdrawn through the customer financial account corresponding to the customer information and / or the wireless terminal number information.

In addition, the information transmission means 125 of the telecommunications operator server 145, as a result of the financial account confirmation means confirms whether the payment price withdrawal through the customer financial account, the withdrawal of the payment price from the financial account If possible, the payment withdrawable information is transmitted to the server (or the terminal 150) providing the customer information and / or the wireless terminal number information and the payment information.

In addition, the payment billing means of the carrier server 145, the payment account bills to the server 155 that manages the customer's financial account that can withdraw the content usage payment through the financial account verification means.

In addition, the validity authentication means of the wireless terminal 150 of the carrier server 145, using the customer information and / or radio terminal number information, the storage medium 160 and / or the carrier server 145 In conjunction with the subscriber database 135 to interwork with, to authenticate the validity of the wireless terminal 150.

Meanwhile, according to the present invention, the illustrated financial account management system includes a recording medium, which records a program for executing at least one or more functional means for paying for content usage fee using a customer financial account.

5 is a simple flowchart of a payment processing process according to a preferred embodiment of the present invention.

5 is a payment processing process for the payment of the fee for the use (or purchase) of the content of the customer using the payment processing system shown in FIG. 4 described above through the financial account associated with the customer information and / or the wireless terminal number information. In addition, the storage medium 160 and / or the financial server 155 that stores the financial account associated with the customer information and / or wireless terminal number information of the customer in the carrier server 145 shown in Figure 4 In conjunction with, characterized in that it is possible to determine whether the payment withdrawal.

In addition, in this drawing, the server 100 (or authentication server) shown in FIG. 4 is provided through the server 140 that provides the content to the customer, or the customer terminal 150 or the customer wireless terminal 150. Receiving the content purchase authentication code, compares the content purchase authentication code previously transmitted to the wireless terminal 150 with the received content purchase authentication code, and performs a payment process according to whether the content purchase authentication code matches. Characterized in that it is carried out.

In addition, as described above, the storage medium 160 described in this drawing preferably stores customer financial account information associated with customer information and / or customer wireless terminal number information.

Referring to FIG. 5, in the illustrated embodiment, a customer accesses (or purchases) predetermined content by accessing a content providing server 140 that retains and / or provides at least one or more contents through a wired or wireless communication network. 500 may be started from the process of selecting.

When predetermined customer information and / or radio terminal number information for the content use (or purchase) is input from the customer terminal 150, the customer information and / or radio terminal number information input from the customer terminal 150 and The content usage payment information is transmitted to the server 100 (or the authentication server) through the content providing server 140 (505).

The server 100 transmits the received customer information and / or wireless terminal number information and the content usage payment price information to the service provider server 145 shown in FIG. 4 (510).

When the customer information and / or the wireless terminal number information and the content use payment price information are received from the server 100 through the information receiving means 110 provided in the service provider server 145, the service provider server ( The validity authentication means of the wireless terminal 150 provided in the 145 uses the received customer information and / or the wireless terminal by using the subscriber information recorded in the subscriber information database 135 or the like provided in the service provider server 145. A validity authentication operation is performed on the wireless terminal 150 corresponding to the number information (515).

If the validity authentication for the wireless terminal 150 fails (520), the information transmission means 125 of the carrier server 145 is the authentication server 100 and / or the content providing server 140 and And / or the user terminal 150 may transmit a non-payment message due to the wireless terminal 150 validation failure (525).

On the other hand, if the validity authentication for the wireless terminal 150 is successfully performed through the wireless terminal 150 validity authentication means (530), the financial account checking means provided in the carrier server 145 is a customer Customer information and / or wireless terminal received by the information receiving means 110 from the storage medium 160 and / or the financial server 155 for storing customer financial account information associated with the information and / or customer wireless terminal number information. In operation 535, a financial account corresponding to the number information exists.

Here, if the financial account corresponding to the customer information and / or wireless terminal number information received by the information receiving means 110 from the storage medium 160 and / or the financial server 155 is not confirmed (540), The information transmitting means 125 of the communication service provider server 145 uses the financial account according to the present invention as the server 100 (or the authentication server) and / or the content providing server 140 and / or the customer terminal 150. The content fee payment impossible message may be transmitted (545).

On the other hand, when the financial account corresponding to the customer information and / or wireless terminal number information received by the information receiving means 110 from the storage medium 160 and / or the financial server 155 is confirmed (550), The financial account checking means of the telecommunication service provider server 145 determines whether it is possible to withdraw the payment according to the use of the content through the confirmed customer financial account (555).

If it is not possible to withdraw (or pay) the content use payment price using the customer financial account as a result of the determination of the financial account checking means (560), the information transmitting means 125 of the telecommunication service provider server 145 is The server 100 (or authentication server) and / or the content providing server 140 and / or the client terminal may transmit a content fee payment not possible message using the financial account according to the present invention (545).

On the other hand, if the withdrawal (or payment) of the content use payment price using the customer financial account is possible (565), the information transmission means 125 of the service provider server 145 is the server 100 (or authentication) Server 570 transmits an authentication result indicating that the payment for the content use payment (or payment) using the customer financial account is possible and the payment result withdrawable confirmation result information (570).

Then, the server 100 (or authentication server) transmits predetermined payment authentication information (or code) to the customer wireless terminal 150 (575), the content payment authentication information transmitted to the wireless terminal 150 (Or a code) is input from the customer terminal 150 and transmitted to the server 100 (or authentication server) through the content providing server 140 (580).

6 is a simple flowchart of a payment processing process according to a preferred embodiment of the present invention.

Figure 6 is described in succession to the process of Figure 5 described above, the payment authentication information (or code) input from the customer terminal 150 from the server 100 and the payment authentication information (transmitted to the wireless terminal 150) ( Or code), starting 600.

Here, the payment authentication information (or code) input from the customer terminal 150 and the payment authentication information (or code) transmitted to the customer wireless terminal 150 through the information transmission means 125 do not match. If not (605), the server 100 may transmit the payment authentication information mismatch information to the content providing server 140 and / or the carrier server 145 and / or the customer terminal 150 (610). .

Here, if there is a re-entry of the payment authentication information (or code) from the customer terminal 150 (615), the process of comparing the payment authentication information (or code) may be limitedly repeated. However, if there is no re-entry of the payment authentication information (or code) from the customer terminal 150 (620), the payment processing process according to this embodiment is terminated.

On the other hand, if the settlement authentication information (or code) of the server 100 checks whether the two settlement authentication information (or code) match (625), the server 100 is the content providing server 140 and / Or transmits the payment authentication information matching result to the service provider server 145 (630).

Then, the content providing server 140 provides the purchase requested content to the customer (635), if the content providing is not successful (640), the content providing server 140 is the server ( 100 and / or the content providing failure message may be transmitted to the service provider server 145 and / or the customer terminal 150 (645).

When the content is successfully provided to the customer (650), the content providing server 140 transmits the content providing completion details to the server 100 and / or carrier server 145 (655), the The payment billing means of the service provider server 145 transmits payment billing information according to the use of the content to the financial server 155 managing the customer financial account (660).

Preferably, the financial server 155 receives the payment billing information from the telecommunication service provider server 145 and performs a settlement process for the content usage fee through the customer's financial account (S665).

7 is a simple flowchart of a payment processing process according to a preferred embodiment of the present invention.

7 is a payment processing process for the payment of the fee for the use (or purchase) of the content of the customer through the financial account associated with the customer information and / or the wireless terminal number information using the payment processing system shown in FIG. In addition, the storage medium 160 and / or the financial server 155 that stores the financial account associated with the customer information and / or wireless terminal number information of the customer in the carrier server 145 shown in Figure 4 In conjunction with the, it is possible to determine whether the payment can be withdrawn, and in this figure, the content purchase authentication code from the customer terminal 150 or the customer wireless terminal 150 in the content providing server 140 shown in FIG. (Or payment authentication information (or code)) is received, the content purchase authentication code previously transmitted to the wireless terminal 150 is compared with the received content purchase authentication code, and the content structure is obtained. It is characterized in that the payment process is performed according to whether or not each authentication code matches.

In addition, as described above, the storage medium 160 described in this drawing preferably stores customer financial account information associated with customer information and / or customer wireless terminal number information.

Referring to FIG. 7, the payment processing shown is used by a customer to access a content providing server 140 that retains and / or provides at least one or more contents through a wired or wireless communication network to use (or purchase) predetermined content. (700) can be initiated from the process of selecting.

When predetermined customer information and / or radio terminal number information for the content use (or purchase) is input from the customer terminal 150, the customer information and / or radio terminal number information input from the customer terminal 150 and The content usage payment information is transmitted to the server 100 (or authentication server) through the content providing server 140 (705), the server 100 is the received customer information and / or wireless terminal The number information and the content usage payment price information are transmitted to the service provider server 145 shown in FIG. 4 (710).

Then, the financial account checking means of the communication service provider server 145 from the storage medium 160 and / or the financial server 155 for storing the customer financial account information associated with the customer information and / or customer wireless terminal number information The information receiving means 110 confirms that there is a financial account corresponding to the customer information and / or the wireless terminal number information received (715).

If it is determined that the financial account corresponding to the customer information and / or the wireless terminal number information received by the information receiving means 110 from the storage medium 160 and / or the financial server 155 is not confirmed 720 The information transmitting means 125 of the communication service provider server 145 is the server 100 (or the authentication server) and / or the content providing server 140 and / or the customer terminal 150 according to the present invention. Using the content payment fee can not be transmitted message (725).

On the other hand, when the financial account corresponding to the customer information and / or wireless terminal number information received by the information receiving means 110 from the storage medium 160 and / or the financial server 155 is confirmed (730), The financial account checking means of the telecommunication service provider server 145 determines whether it is possible to withdraw the payment for the use of the content through the confirmed customer financial account (735).

If it is not possible to withdraw (or pay) the content use payment price using the customer financial account as a result of the determination of the financial account checking means (740), the information transmitting means 125 of the communication service provider server 145 The server 100 (or the authentication server) and / or the content providing server 140 and / or the customer terminal 150 may transmit a content fee payment impossible message using the financial account according to the present invention (725).

On the other hand, if the withdrawal (or payment) of the content use payment price using the customer financial account is possible (745), the information transmission means 125 of the service provider server 145 is the server 100 (or authentication) The server transmits an authentication result indicating that the payment of the content use payment price (or payment) using the customer financial account is possible and the payment result withdrawal confirmation result information (750).

Then, the server 100 (or authentication server) transmits the predetermined payment authentication information (or code) to the customer wireless terminal 150 and the content providing server 140 (755), the wireless terminal 150 When the content payment authentication information (or code) transmitted to the content providing server 140 is input from the customer terminal 150 (760), the content providing server 140 is provided from the server 100 The received content payment authentication information (or code) is compared with the content payment authentication information (or code) input from the customer terminal 150 (765).

As a result of the comparison, if the payment authentication information (or code) does not match (770), the content providing server 140 is the server 100 and / or service provider server 145 and / or customer terminal 150 The authentication code mismatch message may be transmitted (775).

On the other hand, if the payment authentication information (or code) is matched (780), the content providing server 140 provides the content requested (or purchased) to the customer (785), the following process is described above It can be implemented with reference to 6 (B).

Figure 8 is a simplified illustration of the stored information stored in the preferred information storage medium 160 of the present invention.

The storage medium 160 shown in FIG. 8 may store predetermined information required for payment of the content usage fee through the customer's financial account when the payment for the content of the customer is made.

Referring to FIG. 8, the storage information stored in the storage medium 160 may include customer information and / or wireless terminal number information and financial account information associated with the customer information and / or wireless terminal number information. .

In addition, the storage medium 160, the service provider server 145 corresponding to the authentication server 100 and / or the wireless terminal 150, and / or the financial server 155 for managing the customer financial account. And / or servers on a network.

According to the present invention, by using the financial account associated with the customer information and / or customer wireless terminal number information to enable the payment for the use (or purchase) of the predetermined content, the customer is required to pay the content fee using the wireless terminal There is an advantage in that it is possible to prevent disadvantages.

As small-scale payment processing can be handled arbitrarily by the operator, the service provider can arbitrarily process the existing small payment settlement process that was performed by the mobile carrier. The advantage is that the cost can be greatly reduced.

Claims (37)

In the payment processing system, A storage medium for linking and storing customer information and / or customer wireless terminal number information and the customer financial account information; A customer terminal for providing predetermined customer information and / or radio terminal number information to an authentication server through a content providing server; In connection with the server managing the storage medium and / or the customer financial account, check whether the content providing fee can be withdrawn through the customer financial account corresponding to the customer information and / or wireless terminal number information, and withdraw the confirmation result If possible, the authentication server for transmitting a predetermined content purchase authentication code to the customer wireless terminal; And And a customer wireless terminal for outputting a content purchase authentication code transmitted by the authentication server. The authentication server may receive the content purchase authentication code via the content providing server or the content purchase authentication code received from the customer terminal or the customer wireless terminal and then transmit the content purchase authentication code and the received content purchase authentication to the wireless terminal. Comparing codes, and if there is a match, and transmits the content purchase authentication result of the customer to the content providing server. In the payment processing system, A storage medium for linking and storing customer information and / or customer wireless terminal number information and the customer financial account information; A customer terminal for providing predetermined customer information and / or radio terminal number information to an authentication server through a content providing server; In connection with the server managing the storage medium and / or the customer financial account, check whether the content providing fee can be withdrawn through the customer financial account corresponding to the customer information and / or wireless terminal number information, and withdraw the confirmation result If possible, the authentication server for transmitting a predetermined content purchase authentication code to the customer wireless terminal and the content providing server; And And a customer wireless terminal for outputting a content purchase authentication code transmitted by the authentication server. When the content providing server receives the content purchase authentication code from the customer terminal or the customer wireless terminal, compares the content purchase authentication code transmitted by the authentication server with the received content purchase authentication code, and matches the Payment processing system, characterized in that providing content to the customer. The method of claim 1 or 2, wherein the customer terminal or the content providing server, The payment processing system, characterized in that further providing the content providing fee information to the authentication server. The method according to claim 1 or 2, Receiving the customer information and / or wireless terminal number information from the authentication server, authenticating the validity of the wireless terminal using the customer information and / or wireless terminal number information, and transmitting an authentication result to the authentication server. Payment processing system, characterized in that further comprises a service provider server. The communication service provider server of claim 1 or 2, wherein the content providing server, the authentication server, or the wireless terminal corresponding to the wireless terminal comprises: The payment processing system, characterized in that for billing the content usage fee of the customer to the financial server that manages the customer financial account. The method according to claim 1 or 2, Receives a settlement request for the content usage fee of the customer from the content providing server or the authentication server or a communication service provider server corresponding to the wireless terminal, and processes the daily content settlement fee of the customer through the customer financial account. The payment processing system, characterized in that further comprises a financial server to perform the settlement or periodically. The method of claim 1 or 2, wherein the storage medium, Payment server, and / or a service provider server corresponding to the wireless terminal, and / or a financial server managing the customer financial account, and / or a server on a network. In the payment processing system, A storage medium for linking and storing customer information and / or customer wireless terminal number information and the customer financial account information; A customer terminal for providing predetermined customer information and / or radio terminal number information to an authentication server through a content providing server; Receiving the customer information and / or wireless terminal number information through an authentication server, authenticating the validity of the wireless terminal using the customer information and / or wireless terminal number information, and the storage medium and / or the customer financial account In conjunction with a server that manages the server, check whether the content providing fee can be withdrawn through the customer financial account corresponding to the customer information and / or wireless terminal number information transmitted by the authentication server, and if it is possible to withdraw the verification result, the authentication A service provider server for transmitting the authentication result and the verification result to a server; An authentication server for transmitting a predetermined content purchase authentication code to the customer wireless terminal according to an authentication result and a confirmation result transmitted from the communication service provider server; And And a customer wireless terminal for outputting a content purchase authentication code transmitted by the authentication server. The authentication server may receive the content purchase authentication code via the content providing server or the content purchase authentication code received from the customer terminal or the customer wireless terminal and then transmit the content purchase authentication code and the received content purchase authentication to the wireless terminal. Comparing codes, and if there is a match, and transmits the content purchase authentication result of the customer to the content providing server. In the payment processing system, A storage medium for linking and storing customer information and / or customer wireless terminal number information and the customer financial account information; A customer terminal for providing predetermined customer information and / or radio terminal number information to an authentication server through a content providing server; Receiving the customer information and / or wireless terminal number information through an authentication server, authenticating the validity of the wireless terminal using the customer information and / or wireless terminal number information, and the storage medium and / or the customer financial account In conjunction with a server that manages the server, check whether the content providing fee can be withdrawn through the customer financial account corresponding to the customer information and / or wireless terminal number information transmitted by the authentication server, and if it is possible to withdraw the verification result, the authentication A service provider server for transmitting the authentication result and the verification result to a server; An authentication server for transmitting a predetermined content purchase authentication code to the customer wireless terminal and the content providing server according to an authentication result and a confirmation result transmitted from the communication service provider server; And And a customer wireless terminal for outputting a content purchase authentication code transmitted by the authentication server. When the content providing server receives the content purchase authentication code from the customer terminal or the customer wireless terminal, compares the content purchase authentication code transmitted by the authentication server with the received content purchase authentication code, and matches the Payment processing system, characterized in that providing content to the customer. The method of claim 8 or 9, wherein the authentication server, The payment processing system, characterized in that for providing the content provider charge information further to the service provider server. The communication service provider server of claim 1 or 2, wherein the content providing server, the authentication server, or the wireless terminal corresponding to the wireless terminal comprises: The payment processing system, characterized in that for billing the content usage fee of the customer to the financial server that manages the customer financial account. The method according to claim 8 or 9, Receives a settlement request for the content usage fee of the customer from the content providing server or the authentication server or a communication service provider server corresponding to the wireless terminal, and processes the daily content settlement fee of the customer through the customer financial account. The payment processing system, characterized in that further comprises a financial server to perform the settlement or periodically. The method of claim 8 or 9, wherein the storage medium, Payment server, and / or a service provider server corresponding to the wireless terminal, and / or a financial server for managing the customer financial account, and / or a server on a network. The method of claim 1 or claim 2 or claim 8 or claim 9, wherein the customer terminal, Characterized in that it comprises a wired terminal and / or a wireless terminal, The wired terminal is a payment processing system, characterized in that comprises a PC and / or a telephone. The method according to claim 1 or 2 or 8 or 9, The customer terminal is characterized in that for generating a predetermined authentication information by confirming the password entered by the customer through a predetermined program, and transmitting the generated authentication information to the authentication server, And the authentication server further authenticates the customer and / or the customer terminal by comparing the authentication information transmitted from the customer terminal with the authentication information previously stored in a predetermined database. Information receiving means for receiving predetermined customer information and / or wireless terminal number information and payment information; Customer information transmitted by the payment processing request server in connection with a storage medium for linking and storing customer information and / or customer wireless terminal number information and the customer financial account information and / or a server managing the customer financial account; Financial account verification means for confirming that the payment can be withdrawn through a customer financial account corresponding to the wireless terminal number information; And And information transmission means for transmitting predetermined payment authentication information (or code) to the customer wireless terminal and / or payment processing request server, if it is possible to withdraw the verification result. The method of claim 16, The payment processing system, characterized in that further comprising a payment billing means for billing the payment to the server for managing the customer financial account. The method of claim 16, And transmitting the customer information and / or the wireless terminal number information to a communication service provider server corresponding to the wireless terminal and requesting validity authentication of the wireless terminal. The method of claim 16, When the customer terminal transmits the payment authentication information (or code) via the payment processing request server, after receiving the payment authentication information (or code) previously transmitted to the customer wireless terminal and the received payment And payment processing authentication means for comparing the authentication information (or code) and transmitting the payment authentication result to the payment processing request server when the comparison result is matched. The method of claim 16, When the customer terminal checks the password input by the customer through a predetermined program, generates predetermined authentication information, and transmits the generated authentication information, after receiving it, the authentication information transmitted by the customer terminal and predetermined Comparing the authentication information previously stored in the database, and further comprising a customer authentication means for authenticating the customer and / or the customer terminal. The method according to any one of claims 16 to 20, wherein the payment processing system, Consists of a single server, or The payment processing system, characterized in that consisting of a plurality of servers provided with each means. 21. A recording medium comprising a program for executing the means function of any one of claims 16-20. Information receiving means for receiving predetermined customer information and / or wireless terminal number information and payment information; The storage medium for linking and storing customer information and / or customer wireless terminal number information and the customer financial account information and / or the server managing the customer financial account, and the received customer information and / or wireless terminal Financial account checking means for checking whether the payment can be withdrawn through a customer financial account corresponding to number information; And And if it is possible to withdraw the check result, information transmission means for transmitting the payment possible information to the server (or terminal) providing the customer information and / or wireless terminal number information and payment price information. Payment processing system. The method of claim 23, wherein The payment processing system, characterized in that further comprising a payment billing means for billing the payment to the server for managing the customer financial account. The method of claim 23, wherein And a wireless terminal validity authentication means for authenticating the validity of the wireless terminal by using the customer information and / or wireless terminal number information. 26. The system according to any one of claims 23 to 25, wherein the payment processing system is Consists of a single server, or The payment processing system, characterized in that consisting of a plurality of servers provided with each means. A recording medium comprising a program for executing the means function of any one of claims 23 to 25. Receiving predetermined customer information and / or wireless terminal number information and payment information in a predetermined information receiving means; The customer information is linked to a storage medium for linking and storing the customer information and / or the customer wireless terminal number information and the customer financial account information in a predetermined financial account checking means and / or a server managing the customer financial account. And / or checking whether the payment can be withdrawn through a customer financial account corresponding to the wireless terminal number information. And If it is possible to withdraw the verification result, predetermined payment authentication information from the predetermined information transmission means to the server (or terminal) to which the customer wireless terminal and / or the customer information (and / or wireless terminal number information) and payment information are transmitted. (Or code) transmitting a payment processing method comprising a. The method of claim 28, The payment processing method further comprises the step of claiming the payment to the server for managing the customer financial account through a predetermined payment billing means. The method of claim 28, And requesting validity authentication of the wireless terminal from the customer information and / or wireless terminal number information to a communication service provider server corresponding to the wireless terminal through a predetermined information transmission means. . The method of claim 28, When the customer terminal transmits the payment authentication information (or code) via the server, after receiving it, the payment authentication information (or code) previously transmitted to the customer wireless terminal and the received payment authentication information ( Or a code), and if the result of the comparison matches, the payment processing authentication step of transmitting a payment authentication result to the server. The method of claim 28, When the customer terminal checks the password input by the customer through a predetermined program, generates predetermined authentication information, and transmits the generated authentication information, after receiving it, the authentication information transmitted by the customer terminal and predetermined Comparing the authentication information previously stored in the database, the payment processing method further comprises a customer authentication step of authenticating the customer and / or the customer terminal. A recording medium comprising a program for executing the method of any one of claims 28 to 32. Receiving predetermined customer information and / or wireless terminal number information and payment information in a predetermined information receiving means; The customer information is linked to a storage medium for linking and storing the customer information and / or the customer wireless terminal number information and the customer financial account information in a predetermined financial account checking means and / or a server managing the customer financial account. And / or checking whether the payment can be withdrawn through a customer financial account corresponding to the wireless terminal number information. And Transmitting the payment amount withdrawable information to a server (or a terminal) providing the customer information and / or the wireless terminal number information and the payment price information in a predetermined information transmission means, if it is possible to withdraw the check result; Payment processing method characterized in that made. The method of claim 34, The payment processing method further comprises the step of claiming the payment to the server for managing the customer financial account through a predetermined payment billing means. The method of claim 34, And authenticating the validity of the wireless terminal using the customer information and / or wireless terminal number information. A recording medium which records a program for executing the method of any one of claims 34 to 36.

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