MOBILE COMMUNICATION TERMINAL PAYMENT SYSTEM USING ONE-TIME CODE

摘要

Provided is a mobile communication terminal payment system using a one-time code capable of instantly making a payment by only presenting a one-time code through a buyer's own mobile communication terminal without an additional communication between a buyer and a seller. In such a mobile communication terminal payment system, cyber money exclusively available for a certain seller before the purchase of a service is purchased and registered, a one-time code is presented to purchase the service with respect to the certain seller at a point in time when the actual buyer of the service and a payment record is confirmed to achieve a rapid purchase, and also from the viewpoint of a seller, the payment is conducted through the cyber money without an additional credit card payment system so that a simplified and safe payment is possible with a significantly low fees.

主权项

1. A mobile communication terminal payment system using a one-time code, the mobile communication terminal payment system comprising:
a buyer terminal configured to perform a buyer log-in through an installed application to display a one-time code received according to the buyer log-in, and to perform a confirmation on received payment information about a payment; a seller terminal configured to provide a seller identification and branch unique information through an installed application, receive a seller code corresponding to the seller identification and the branch unique information, transmit the seller code, information about identifying a one-time code, which is presented by the buyer terminal, and payment information as payment request information, and receive notification of a payment result; and a service server configured to provide one-time code information after authenticating log-in information of the buyer terminal, provide a seller code according a seller identification and pre-registered branch unique information which are provided by the seller terminal, receive the payment request information, transmit payment information to the buyer terminal corresponding to the information about identifying the one-time code included in the received payment request information, and approve the payment based on a pre-accumulated reserve accumulated by the buyer in advance so as to be used for the seller.