Patent NZ-553995-A (NZ)
Title: Authentication and payment system and method using mobile communication terminal
Inventor: CHOI JUN-WON
IPC: G06Q20/16
Filed: 2005-08-24
Abstract: A payment server comprises a callback URL message transmission unit, a payment information confirmation unit and an authentication result reply unit. The callback URL message transmission unit generates a callback URL message, and transmits the callback URL message to the purchaser's mobile communication terminal, if the payment server receives a mobile communication terminal number of the purchaser from a merchant terminal. The URL message includes URL information to allow a purchaser's mobile communication terminal to access the payment server. The payment information confirmation unit confirms purchase details including a payment amount, and payment information in cooperation with the purchaser's mobile communication terminal accessing the payment server through a callback function of the callback URL message. An authentication result reply unit requests the purchaser's mobile communication terminal to input and transmit payment authentication information if the payment information is confirmed, transmits payment information, including the payment authentication information, purchase information and payment means information, to an issuer server issuing payment means and requesting payment authentication from the issuer server if the payment authentication information is received from the purchaser's mobile communication terminal, and transmits authentication results together with the payment information received from the merchant terminal to an acquirer server if the authentication results are received from the issuer server. An authentication and payment system using a mobile communication terminal and including an issuer server for issuing payment means, an issuer information management intermediate server for managing URL information required to access domestic and foreign issuer servers, an acquirer server for performing payment approval and performing acquisition and settlement for member stores, and a payment server for intermediating between the issuer server and the acquirer server to provide an authentication and payment service in response to a request from a terminal of the merchant is disclosed. The payment server is as described above. The issuer information management intermediate server transmits URL information required to access the issuer server of the payment means to the payment server if the payment means information is received from the payment server. The issuer server is operated so that, if the purchaser's mobile communication terminal accesses the issuer server using the issuer server access URL, the issuer server requests the purchaser's mobile communication terminal to input and transmit payment authentication information about the payment means, compares the received payment authentication information with payment authentication information that was previously registered and stored at the time of issuing the payment means, and then authenticates a corresponding transaction, and the acquirer server processes approval using authentication results if the authentication results are received from the payment server.