PATMENT AND AUTHORIZATION, SETTLEMENT AND MEMBERSHIP JOINING METHOD, DEVICE AND SYSTEM BY PURCHASER USING MOBILE COMMUNICATION TERMINAL

摘要

PURPOSE: A method, a device and a system for payment approval, calculation and membership joining through a user by using a mobile terminal are provided to perform credit transaction stably and rapidly through a mobile communication terminal without showing a card to an affiliate shop. CONSTITUTION: A system includes an affiliate terminal(200) and a PG(Payment Gateway)(300), and purchase information and affiliate information are transmitted to a mobile communication terminal(100) of a purchaser. The payment gateway receives the purchase information, the affiliate shop information and the financial information of a purchase from the mobile communication terminal, and request payment approval from a financial server(400) of a credit card company.