| 摘要 |
PURPOSE: A real time payment method is provided to perform safely a payment on a transaction between one person and the other person or a company by using mobile communication terminals and short message service, and to prevent a leakage of the personal information in the conventional payment method. CONSTITUTION: A real time payment method comprises steps of a user performing a payment log-in by a password registered at a member subscription(1), selecting a payment execution by inputting a payee data, a payment amount and a password(2), transmitting the input data to a payment server(3), and displaying a payment check short message on an LCD of the cellular phone. If the user approves the transmitted short message, the payment approval message is transmitted to banks or financial organizations and an automatic fund transfer is performed between the payer and the payee.
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