FINANCIAL TRANSACTION RELAY SYSTEM USING MOBILE TERMINAL

摘要

Disclosed is a financial transaction relay system using a mobile terminal, capable of allowing a user of a mobile terminal to perform payment or receive payment using the mobile terminal, even if the user does not know a payment means or a payment place of another party. The financial transaction relay system is configured to perform a financial transaction with respect to a product cost, a service cost and to perform a general money transfer.

主权项

1. A financial transaction relay system using a mobile terminal, comprising:
an online ID (OID) registration module configured to acquire financial information including card information or account information, from a user of a first mobile terminal which purchases a product and a service, and a user of a second mobile terminal which provides the product and the service, and configured to acquire a region of an online ID corresponding to the card information or the account information, from a financial institution server corresponding to the acquired card information or account information; a payment relay module configured to receive a phone number of a first mobile terminal which purchases a good and a service, configured to acquire the phone number of the first mobile terminal, a payment cost and member store information on a second mobile terminal, from the second mobile terminal which provides the product and the service, configured to provide the acquired payment cost and member store information and card information or account information to the first mobile terminal, and configured to request the first mobile terminal to perform payment by providing a payment cost and member store information to a financial institution server corresponding to a card or an account selected from the first mobile terminal for payment;
an OID relay module configured to provide mapping information on a payment means of the first mobile terminal, by providing one region of an OLD with respect to the card or the account selected by the first mobile terminal, to the financial institution server; andan OTP relay module configured to acquire an OTP for the payment from the financial institution server, to provide the OTP to the first mobile terminal, to receive a response from the first mobile terminal, to provide the response to the financial institution server, and thus to authenticate the first mobile terminal, wherein the financial institution server determines the payment means based on an entire OLD with respect to said one region.