Patent Publication Number: US-2011078043-A1

Title: Payment and transfer management system using wireless communication network or internet and method thereof

Description:
BACKGROUND OF THE INVENTION 
     1. Field of the Invention 
     The present invention relates to a payment management system including a protocol for processing a financial transaction such as a card payment and an account transfer, etc and a server and each terminal for performing the protocol by using a wireless communication network or an internet. 
     2. Description of the Related Art 
     The use of cards including a credit card and a debit card is gradually increased in proportionally to the increment of a card supply, card affiliates, and an economical size. However, the security and the convenience in the use of the cards are not improved in comparison with the increment of the use of the cards. Only a method for preventing the increment of losses due to the loss of cards or the burglaries of cards is to transmit a payment specification message to a cellular phone of a card owner or a card manager after a payment process. 
     Only a method for controlling a use of a company card of an employee in advance is to perform a payment process after depositing money to an employee account. Accordingly, the company and the employees bear all the losses since the high limit of the company card causes the loss of the company card and a deliberate crime of a third party. The losses of card owners and a card company due to the loss of cards are increased gradually since the card owners and the card company do not recognize the loss of the cards and the uses of the lost cards. 
     Meanwhile, a conventional virtual machine (VM) banking cellular phone has only a transfer function and a checking function. VM banking users are gradually increased at high speed. However, the VM banking users suffer inconvenience since a VM banking system does not have a card payment function. 
     A conventional cellular phone payment process is performed by using a cellular phone having a payment function chip. The cellular phone having the payment functional chip is not supplied widely because of high price thereof. In addition, the user of the cellular phone having the payment functional chip suffers inconvenience since banks use different kinds of payment functional chips. 
     VM banking users are increased according to a development of VM banking for providing the payment function and the checking function without the payment functional chip. However, the VM banking users suffer inconvenience since the VM banking does not provide the card payment function, as described above. 
     When the user pays utility bills by using the card, the user performs a card payment process by providing a card number, an expiration date, and a resident registration number through a telephone to an opponent (a card payment demander and a utility bill receiver). In the card payment process, the user doubts whether the opponent is the card payment demander (or a card payment receiver) or not. In addition, the card payment process has a lot of danger since the card payment receiver can record and use the important numbers of the user to process the card payment for other purposes. 
     Hence, the utility bills, maintenance fees, or tuition fees are not paid by a remote card payment manner. The card payment process has a lot of disadvantages since the user processes directly the card payment in front of a card payment terminal. 
     An internet banking method is proposed as an alternative. At present, the payment method using the internet banking is limited to the account transfer. The Internet banking is not used for the card payment. In addition, the Internet banking causes inconvenience in a use process thereof by inputting a one time password (OTP) or an authentication number in only a corresponding window. 
     SUMMARY OF THE INVENTION 
     An object of the present invention is to provide a card payment management method capable of simplifying a card payment function as well as conventional transfer and checking functions by adding the card payment function to a VM banking module and downloading the VM banking module having the added function. 
     An object of the present invention is to enhance the security and convenience of the card payment by confirming a payment specification received through an SMS and an MMS and transmitting an authentication number through the cellular phone instead of performing a payment process using a card number and a resident registration number in the remote place and to seek security and convenience the location tracking and comparison between the cellular phone and the card payment terminal. 
     In addition, a composition for adding a payment function to the VM banking system downloaded and installed in the cellular phone can perform easily a card payment process by using a card payment system of a bank or a credit card company without an additional payment system of a card payment part (a card payment receiver, a card payment demander). For example, the card payment process can be performed easily through a cellular phone of a delivery man. In addition, Home shopping&#39;s payments, Internet shopping&#39;s payments, Mobile shopping payments, the tuition fees, the utility bills, and the maintenance fees can be paid easily through a receiving and transmitting payment using a VM banking cellular phone having a payment function in the remote place. 
    
    
     
       BRIEF DESCRIPTION OF THE DRAWINGS 
         FIG. 1  is a diagram illustrating an entire structure of a card payment management system according to an exemplary embodiment of the present invention. 
         FIG. 2(   a ) is a diagram illustrating a transfer process of a conventional VM banking system. 
         FIG. 2(   b ) is a diagram illustrating a payment process of a VM banking system according to an exemplary embodiment of the present invention. 
         FIG. 3  is a diagram illustrating a payment management system using a VM banking module according to an exemplary embodiment of the present invention. 
         FIG. 4  is a diagram illustrating a payment and payment management system for connecting a payment receiver to a financial payment server of a bank or a card company according to another exemplary embodiment of the present invention. 
         FIG. 5  is a diagram illustrating a payment and payment management system for searching a product by using a cellular phone according to another exemplary embodiment of the present invention. 
         FIG. 6  is a diagram illustrating a payment and payment management system for performing a payment approval for internet shopping by using a VM banking module according to another exemplary embodiment of the present invention. 
         FIG. 7  is an operational flowchart illustrating a process for registering information of a card owner to a payment system in the system of  FIG. 1 . 
         FIG. 8  is an operational flowchart illustrating a payment process of a card in the system of  FIG. 1 . 
         FIG. 9  is an operational flowchart illustrating a payer receiving payment process in a state of installation of a VM banking module according to another exemplary embodiment of the present invention. 
         FIG. 10  is an operational flowchart illustrating a payer transmitting payment process in a state of installation of a VM banking module according to another exemplary embodiment of the present invention. 
         FIG. 11  is an operational flowchart illustrating a VM banking payment process in a stetting state of an expiration date or a limit of a card according to another exemplary embodiment of the present invention. 
         FIG. 12  is an operational flow chart illustrating a payment process using a cellular phone in the exemplary embodiment of  FIG. 4 . 
         FIG. 13  is an operational flowchart illustrating a search and shopping payment process using a cellular phone in the exemplary embodiment of  FIG. 5 . 
         FIG. 14  is an operational flowchart illustrating a search and shopping payment process using a cellular phone in the exemplary embodiment of  FIG. 6 . 
         FIG. 15  is an operational flowchart illustrating a payment approval process using a cellular phone in an internet banking process according to another exemplary embodiment of the present invention. 
     
    
    
     DETAILED DESCRIPTION OF THE EMBODIMENTS 
     In the following detailed description, only certain exemplary embodiments of the present invention have been shown and described, simply by way of illustration. 
     As those skilled in the art would realize, the described embodiments may be modified in various different ways, all without departing from the spirit or scope of the present invention. Accordingly, the drawings and description are to be regarded as illustrative in nature and not restrictive. Like reference numerals designate like elements throughout the specification. 
       FIG. 1  is a diagram illustrating an entire structure of a card payment management system according to an exemplary embodiment of the present invention. 
     A short message service center (SMSC)  111  and a multimedia message service center (MMSC)  112  within a mobile communication network  110  perform a role for transmitting payment information to a cellular phone  124  of a payer. 
     In addition, the mobile communication network  110  provides a data service network as well as a voice service. An IS-95A network (14.4 Kbps), an IS-95B network (64 Kbps), an IS-95C network (144 Kbps), a 1X EV-DO (HDR), and etc. are used currently for a data communication service to be transmitted through a WAP gateway  131 . 
     A location tracking system  113  within the mobile communication network  110  performs a function for tracking a location of the cellular phone  124  of the payer. 
     When a payment demander (payment receiver) performs a payment process by a contact or an access between an own card of the payer or a card  100  under control of the payer and a mobile terminal  121  or a first fixing terminal  122 , the location tracking system  113  tracks locations of the terminals  121 ,  122  as paying targets to be tracked and the location of the cellular phone  124  of the card owner (manager). A predetermined payment management sequence is started when the distance between the tracked locations is identified as the predetermined distance apart from each other. 
     At this time, a location of the first fixing terminal  122  can be detected according to location information recorded previously in a terminal information table without using the mobile communication network  110 . 
     Meanwhile, when the payment demander registers his cellular phone as a payment cellular phone  123  and transmits a payment request to the mobile communication network  110  by using the payment cellular phone  123 , the location tracking system  113  can detect the location of the payment cellular phone  123  by using a base station  105 . 
     However, when the locations of the cellular phone  123  of the payer, the payment cellular phone  123 , and the mobile terminal  121  are tracked by using the base station  105 , an object of the present invention for preventing an illegal payment due to burglary and loss can be not occasionally obtained by a wide covering region of the base station. Accordingly, the location tracking system  113  can detect the location of each of payers by using additionally a global positioning system (GPS) except for the base station  105 . 
     The payment request transferred to the mobile communication network  110  is transmitted to a financial payment server  126 . 
     The financial payment server  126  tracks the present location of the cellular phone  124  of the payer and performs a payment process according to a location relation when receiving the payment request, a corresponding payment sum, and information of a payment specification from the payment demander. 
     When the location of the cellular phone  124  of the payer is not remotely separated from the locations of the terminals  121 ,  122  or the location of the payment cellular phone  123 , the financial payment server  126  approves the payment of the corresponding payment sum by confirming a safe state. 
     When the location of the cellular phone  124  of the payer is remotely separated from the locations of the terminals  121 ,  122  or the location of the payment cellular phone  123 , a small sum is immediately paid according to the amount of the corresponding payment sum. An intermediate sum is paid and the payment process (payment sum, payment specification, and information of payment demander) is simultaneously reported to the cellular phone  124  of the payer through SMS/MMS. In case of the corresponding payment sum corresponding to a large sum, the SMS or the MMS for requesting the approval to the cellular phone  124  of the payer can be transmitted. When the payer transmits a correct confirmation number through the cellular phone  124 , the corresponding payment sum is paid. 
     A location report service server  130  includes a wireless application protocol (WAP) server  131  for providing a wireless internet service through the mobile communication network  110 , a DB server  132  for storing data, and a web server  133  for providing a web page through wire internet. The DB server  132  can be connected to the financial payment server  126  through the mobile communication network  110  and can be directly to the financial payment server  126  by using an internet  150  or a local area network (LAN). 
     When the card  100  come in contact with or accesses a second fixing terminal  125  in order to perform the payment process, a similar process is performed through the internet  150 . The second fixing terminal  125  transmits the payment request, the payment specification, and the corresponding payment sum to the financial payment server  126 . The financial payment server  126  detects the location of the cellular phone  124  and grasps a distance from the second fixing terminal  125  by the help of the location tracking system  113  of the mobile communication network  110 . 
     At this time, the mobile communication network  113  can report only the compared result between the location of the cellular phone  124  and the locations of other terminals  121 ,  122 ,  125  or the location of the payment cellular phone  123  instead of reporting the location of the cellular phone  124  in detail to the financial payment server  126  since the operation of the financial payment server  126  for detecting the location of the cellular phone  124  in detail causes invasion of privacy. 
     The payer of the card  100  accesses the financial payment server  126  through the internet  150  or the mobile communication network  110  and inputs information about the cellular phone  124  and the own card  100  into the financial payment server  126 . The financial payment server  126  stores the information about the cellular phone  124  and the card  100  into the DB server  132 . 
     The payment demander (receiver) inputs the payment cellular phone  123  as a cellular phone or the terminals  121 ,  122 ,  125  as well as his businessman information into the financial payment server  126 . The financial payment server  126  stores information about payment demanders into an additional table region within the DB server  132 . 
     In order to provide a service according to the present invention, the mobile terminal  121  receives a unique subscriber number (telephone number or ID) from a mobile communication network provider to use the mobile communication network  110 . The mobile terminal  121  is registered with the database server  132  of the location report service server  130 . In other words, items of a terminal ID, a kind of the terminal, an installation location, a position, a location, and etc. are stored in the database server  132 . A telephone number of the mobile communication network  110  can be used as an ID of the mobile terminal  121 . 
     In case of the first fixing terminal  122 , location information including an address of the installation location is stored into the database server  132 . 
     The mobile terminal  121  transfers data including an ID of the card  100 , the ID of the mobile terminal  121 , the corresponding payment sum, and a card payment date to the location report service server  130  through the mobile communication network  110  by reading the data recorded in the card  100 . 
     The location report service server  130  analyzes received packets, confirms whether the card owner is the service subscriber by searching and analyzing a subscriber (payer) information table of the database server  132  with the ID of the card  100 , and collects the information about the terminals  121 ,  122 ,  125  by searching a terminal information table with the ID of the terminals  121 ,  122 ,  125 . 
     When the location report service server  130  generates a message and transmits a request to the mobile communication network  110  in order to transmit the message to the cellular phone  124  of the card owner, the SMSC  111  or the MMSC  112  of the mobile communication network  110  transfers the received message to the cellular phone  124  and performs a payment report or a payment approval request. 
     The card owner or manager receives the payment report or the payment approval request and can grasp a state of loss and a present location if the card  100  is lost. The card owner or manager can confirm a specification of a company card since the manager can grasp the amount of the company card spent by an employee. The card owner or manager can manage safely the company card since the manager approves the payment of the large sum through the cellular phone  124 . 
     Here, the card  100  can include a golf membership, a bond, a certificate of deposit, or various stocks as well as a credit card. The card can include all kinds of exchange values and payment units. 
       FIG. 7  is an operational flowchart illustrating a process for registering the information of a card owner to a payment system in the system of  FIG. 1 . 
     The card owner or manager, as a registrant accesses and registers a payment service of a bank or a card company through a certification process S 701 . At this time, the technical spirit and scope of the present invention is characterized in that the registrant accesses the payment service of the bank or the card company through the internet  150  or the mobile communication network  110 . However, it is an axiomatic fact in an expert group that a direct visit and registration to the bank or the card company to avoid the appended claims of the present invention belongs to an equal scope of rights of the present invention. 
     The registrant sets a simple payment section, a payment reporting section, and a payment approval request section according to the corresponding payment sum S 703 . 
     The corresponding payment sum corresponding to the small sum (below a first reference sum) is set as the simple payment section X. The corresponding payment sum corresponding to the intermediate sum (more than the first reference sum and below a second reference sum) is set as a message reporting section Y posterior to the payment. The corresponding payment sum corresponding to the large sum (more than the second reference sum) is set as the payment approval request section Z. 
     The registrant performs a registering process for utilizing the location tracking system in order to track the location of the cellular phone  124  S 704 . The cellular phone number is inputted to track the location of the cellular phone S 705 . 
       FIG. 8  is an operational flowchart illustrating a payment process of the card  100  in the system of  FIG. 1   
     The card  100  comes in contact with or accesses the terminals  121 ,  122 ,  125  or the cellular phone  123  so that the terminals  121 ,  122 ,  125  or the cellular phone  123  access the financial payment server  2  to pay the corresponding payment sum S 801 . 
     The location of the card  100  is detected from the locations of the terminals  121 ,  122 ,  125  or the location of the cellular phone  124  and the location of the cellular phone  124  are tracked S 802 . 
     It is determined whether the location of the card  100  is remotely separated from the location of the cellular phone  124  S 803 . The corresponding payment sum is paid if the location of the card  100  is not remotely separated from the location of the cellular phone  124  S 804 . 
     The reference sums (the first reference sum, the second reference sum) of the predetermined sections X, Y, Z are requested if the location of the card  100  is remotely separated from the location of the cellular phone  124  S 805 . 
     The corresponding payment sum is paid S 807  if the corresponding payment sum belongs to the X section S 806 . 
     The transmission of the message related to the payment specification is reported to the mobile communication network  110  S 809  if the corresponding payment sum belongs to the Y section S 808 . The corresponding payment sum is paid after the transmission of the message related to the payment specification is reported S 811 . 
     The payment approval is requested to the cellular phone  124  S 812  if the corresponding payment sum belongs to the Z section S 810 . At this time, the prior steps S 806 , S 808 , S 810  are performed again when the section of the corresponding payment sum is incorrectly determined. 
     The financial payment server  126  determines whether the confirmation number received from the cellular phone  124  corresponds to the stored confirmation number S 813 . 
     The financial payment server  126  pays the corresponding payment sum and requests transmission of a message for the payment specification to the mobile communication network  110  if the confirmation number received from the cellular phone  124  corresponds to the stored confirmation number S 814 . 
     The steps S 812 , S 813  are repeatedly performed N times if the confirmation number received from the cellular phone  124  does not correspond to the stored confirmation number. 
       FIG. 2(   a ) is a diagram illustrating a transfer process of a conventional VM banking system. 
     The conventional VM banking system starts a transfer process S 211  by performing a login to a VM banking transfer process, performs an Internet access process S 212 , inputs a PIN number S 213  to prepare the transfer process. The conventional VM banking system records an account password, an account for deposit, a bank for deposit, a transfer sum, a remitter, a depositor as the needs arises in order to perform the account transfer S 214 . 
     An OTP is inputted by using an additional terminal or cellular phone S 216 . The transfer information is transmitted and the transfer process is finished S 216 . The transfer process is completed if the OTP is correct. 
     The transfer process like this is not obviously seen to the payer since the bank for deposit is systematized. However, the transfer process is transferred to the system like a payment request message of the cellular phone or performs automatically the payment process from the DB of the payer to the DB of the payment receiver according to the payment unit selected from the credit card, the debit card, and the mileage card when the payment is approved to the cellular phone of the payer after a waiting state on the financial payment server with respect to the payer. The transfer process like this has a problem due to a complex procedure since the payer inputs the large amount of information. 
       FIG. 2(   b ) is a diagram illustrating a payment process of a VM banking system according to an exemplary embodiment of the present invention. 
     The VM banking system has an additional function capable of performing the payment process as well as the transfer process. A start process for the payment process is performed through the VM banking module S 221 . 
     The payment demander inputs the cellular phone number of the payer and the payment sum and transmits the cellular phone number of the payer and the payment sum to the financial payment server  126  S 222 . 
     As described in  FIG. 2 , an exemplary embodiment is displayed on a screen of the cellular phone of the payer. An input window for inputting the corresponding payment sum, the information of the payment demander, and an authentication number is displayed on the screen of the cellular phone  124 . Here, the authentication number can be the number which is registered previously by the payer in a registration process of  FIG. 7 . 
     The payer inputs and transmits the authentication number onto the screen of the cellular phone  124 . The financial payment server  126  determines whether the authentication number corresponds to the previously registered number, or not. The financial payment server  126  pays the corresponding payment sum and finishes the process if the authentication number corresponds to the previously registered number. 
       FIG. 3  is a diagram illustrating a payment management system using a VM banking module according to an exemplary embodiment of the present invention. 
     A payer cellular phone  301  is connected to a financial payment server  307  of bank/card company of a payment client through a mobile communication network  302 . A payment receiver (business owner) cellular phone  305  is connected to the financial payment server  307  through the mobile communication network  302 . A computer or a terminal  306  of the payment receiver can be connected to the financial payment server  307  through an internet  304 . A client account  308  of a bank of the financial payment server is connected directly to the financial payment server  307  or is connected to the financial payment server  307  through the internet  304 . 
     The payment receiver inputs a cellular phone number and a payment sum of the cellular phone  301  of the payer (client) and requests the payment by using the terminal  306  or the cellular phone  305  of the payment receiver (business owner) s 222 . The corresponding payment sum, the payment request businessman information, and the payment specification like the cellular phone screen  223  of the payer (client) are displayed on the screen. An input menu of the authentication number for the payment is provided. 
     The payer inputs the confirmation number. The financial payment server  307  confirms the confirmation number. The payment process S 224  is finished by transferring the corresponding payment sum from the financial payment server  307  of the client to the client account  308  if the confirmation number corresponds to the stored confirmation number. 
       FIG. 9  is an operational flowchart illustrating a receiving payment process of the payer cellular phone  301  in a state of installation of the VM banking module according to another exemplary embodiment of the present invention. 
     The payment receiver inputs the cellular phone number, the corresponding payment sum, and the payment specification of the payer and transmits the cellular phone number, the corresponding payment sum, and the payment specification of the payer to the financial payment server  307  S 901 . 
     The corresponding payment sum, the payment specification, and the information of the payment receiver are displayed on the payer cellular phone  301  S 902 . 
     The payer cellular phone  301  confirms whether the payment request is correct S 903 . At this time, the correctness of the payment request means that the corresponding payment sum, the payment specification, and the information of the payment receiver are equal to the displayed information. 
     The payer cellular phone  301  receives an installment, a corrected partial payment (a prior payment of a part of total sum), and an expression of the payer S 904 . 
     The payer cellular phone  301  receives the confirmation number for the payment from the payer S 905 . 
     The financial payment server  307  determines whether the inputted confirmation number corresponds to the registered confirmation number, or not S 906 . 
     Here, chances of N number are provided if the inputted confirmation number does not correspond to the registered confirmation number. The authentication process is finished of the payer does not propose the registered confirmation number during the chances of N number. 
     The financial payment server  307  pays the corresponding payment sum if the inputted confirmation number corresponds to the registered confirmation number according to the determined result S 907 . The financial payment server  307  stores the paid result to the DB of the financial payment server  307  S 908 . 
       FIG. 10  is an operational flowchart illustrating a transmitting payment process of a payer in a state of installation of a VM banking module according to another exemplary embodiment of the present invention. 
     The payment method using the payer cellular phone  301  of the payment client having the VM banking module through the internet is similar to the process of  FIG. 9 . The payer accesses the internet by using the VM banking module for the payment S 1001 . 
     The payer inputs a PIN number into the payer cellular phone  301  S 1002 . The payer inputs or inquires/searches an access number (for example, #1234*+access) of the payment target (payment receiver) S 1003 . At this time, the step S 1003  can be repeatedly performed N times if there is not the correct inquiring target. 
     The payment demander inputs the information of the payment receiver (businessman) and the corresponding payment sum into the cellular phone or the terminals  305 ,  306  and transmits the information of the payment receiver (businessman) and the corresponding payment sum to the payer cellular phone  301  S 1004 . The payer cellular phone  301  receives the corresponding payment sum, the payment specification, and the payment approval request S 1005 . The payer confirms whether the payment specification displayed on the cellular phone  301  is correct, or not S 1006 . The payer inputs the authentication number or the authentication number and the OTP according to an input request of the authentication number S 1007 . 
     The financial payment server  307  determines whether the authentication number inputted in the step S 1007  or the OTP of the authentication number is correct S 1008 . The financial payment server  307  pays the corresponding payment sum if the authentication number is correct S 1009 . 
     Next, the payer requests additionally issuance of a receipt S 1010 . The receipt is transmitted through an E-mail or a printer S 1011 . The receipt is issued and the payment process is finished. 
       FIG. 11  is an operational flowchart illustrating a VM banking payment process according to another exemplary embodiment of the present invention. The  FIG. 11  shows a setting state of an expiration date and a limit of a card. 
     The card owner (manager) accesses the financial payment server  307  in order to perform a user authentication process by using the payer cellular phone  301  S 1101 . 
     The card owner or manager sets the expiration date and the limit of the card S 1102 . 
     The card owner or manager sets a use of a permissible card target, namely the employee in case of the company card or permissible ranges of children using cards of parents by limiting the cards of the parents. The card owner or manager inputs a cellular phone number of a card user and transmits the cellular phone number of the card user to a payment server  307  S 1103 . 
     A file including the expiration date and the limit of the card transmitted to the cellular phone of the card user is downloaded into and set and registered in the cellular phone of the card user S 1104 . A connection process is performed by using the cellular phone including the VM banking module having the card payment function S 1105 . 
     The corresponding payment sum and the cellular phone number of the payment cellular phone are inputted through the cellular phone of the user S 1106 . The financial payment server  307  determines whether the corresponding payment sum is more or less than the limit S 1107 . The financial payment server  307  determines whether the present date is within the expiration date S 1108 . The financial payment server  307  requests the input of the confirmation number. 
     The payment server  307  determines whether the confirmation number inputted into the cellular phone of the user corresponds to the registered confirmation number S 1110 . The financial payment server  307  provides the chances of N number if the confirmation number does not correspond to the registered confirmation number. The financial payment server  307  pays the corresponding payment sum if the confirmation number corresponds to the registered confirmation number S 1111 . 
       FIG. 4  is a diagram illustrating a payment and payment management system for connecting a payment receiver to a payment server of a bank or a card company according to another exemplary embodiment of the present invention. 
     A terminal  404  such as a computer of the payment receiver is connected to a payment server  405  through an internet  403 . A bank account  406  of the payment receiver is directly connected to the payment server  405  or is connected to the payment server  405  through the internet  403 . 
     The terminal of the payment receiver like this is connected directly or indirectly to the payment server  405  of the bank or the company card. A cellular phone  401  of a client (payer) is connected to the payment server  405  through a mobile communication network  402  in order to perform easily a payment process for the terminal  404 . Particularly, when the payment receiver is a utility bill or a maintenance receiver, the payer is connected to the payment server  405  through the cellular phone  401  in order to perform the payment process for the payment receiver. 
       FIG. 12  is an operational flow chart illustrating the payment process using the cellular phone in the exemplary embodiment of  FIG. 4 . 
     The payer accesses a homepage of the bank or the card company by using the cellular phone  401  S 1201 . The payer performs a user authentication process S 1202 . 
     When the user authentication is successful S 1203 , a menu for selecting the card payment is provided. The payer selects the card payment menu S 1204 . 
     The payer searches the payment demander from the database of the payment server  405  S 1205 . When the payer detects the desired payment demander S 1206 , the payer confirms the corresponding payment sum S 1207 , S 1208  and selects the payment unit S 1209 . When the payer selects previously all of the usable credit card, debit card, and mileage card, the menu for selecting the payment unit is provided. When the payer selects previously one of the usable credit card, debit card, and mileage card, the menu for selecting the payment unit can be omitted. 
     When the corresponding payment sum is less than the limit S 1210 , the payer inputs a password for payment into the cellular phone  401 . The payment server  405  pays the corresponding payment sum if the inputted password corresponds to the registered password S 1212 , S 1213 . 
     For example, a method for paying the utility bill and the maintenance through the cellular phone or the internet includes the steps of accessing the internet by inputting a payment access number (for example, #1004*+input) reported through the utility bill into the cellular phone including the VM banking module having the payment function, and identifying automatically the payer by inputting a membership number (client management number) or using the registered cellular phone number for the payment. 
     The payer confirms a message including the corresponding payment sum and a payment registrant name. The payer inputs the number corresponding to the authentication request if the payment specification is correct. 
       FIG. 5  is a diagram illustrating a payment and payment management system for searching a product by using a cellular phone according to another exemplary embodiment of the present invention. 
     A payment client (payer) accesses an internet  503  through a cellular phone  501  and a mobile communication network  502 . The payment client (payer) accesses an internet shopping mall  504  in order to search a desired product. 
       FIG. 13  is an operational flowchart illustrating a search and shopping payment process using a cellular phone in the exemplary embodiment of  FIG. 5 . 
     A cellular phone  501  includes the VM banking module having the payment function. It is assumes that the VM banking module has an internet access function. 
     The payer accesses the internet  503  by using the cellular phone  501  S 1301 . The payer accesses a site  504  such as a shopping mall site in order to search and select a desired product S 1302 . 
     When the payer selects the payment in the corresponding site  504  S 1303 , a payment server  505  requests the authentication of the purchaser (user) to the cellular phone  501  S 1304 . When the authentication is successful S 1305 , the payment server provides a menu for selecting a payment unit to the payer S 1306 . At this time, if the payer sets previously selection of only one payment unit, the step  1306  can be omitted. 
     When the corresponding payment sum is less than the limit S 1307 , the payment server requests an input of a password to the payer S 1308 . When the inputted password corresponds to the registered password S 1309 , a payment server  505  pays the corresponding payment sum S 1310 . The payer designates a delivery destination and reports the delivery destination to the payment server  505 . Accordingly, the payment process and the deliver process can be performed at the same time. 
       FIG. 6  is a diagram illustrating a payment and payment management system for performing a payment approval for internet shopping by using a VM banking module according to another exemplary embodiment of the present invention. 
       FIG. 14  is an operational flowchart illustrating a search and shopping payment process using a cellular phone in the exemplary embodiment of  FIG. 6 . 
     Referring to  FIG. 6  and  FIG. 14 , the payer accesses an internet  602  through a mobile communication network  604  by using a cellular phone  605 . The payer searches a product in an internet shipping server  603  S 1401 . 
     When the payer selects the payment for the corresponding payment sum of the searched product S 1402 , an internet shopping payment server  601  can request the payment. 
     A menu for selecting the payment unit is provided for the cellular phone  605  S 1403 . The payer selects the payment unit and a payment server  606  requests a payment approval to the cellular phone  605 . 
     The payer inputs a payment confirmation number into the cellular phone  605  and transmits the payment confirmation number S 1405 . The payment server  606  confirms whether the payment confirmation number corresponds to the registered payment confirmation number S 1406 . 
     The payment server  606  pays the corresponding payment sum if the payment confirmation number corresponds to the registered payment confirmation number S 1407 . The payer inputs and confirms an address of the delivery destination S 1408 , S 1409 . The paid product is transmitted to the delivery destination S 1410 . 
     When the payer requests an output of a receipt S 1411 , the receipt is outputted to the payer S 1412 . 
       FIG. 15  is an operational flowchart illustrating a payment approval process using a cellular phone in an internet banking process according to another exemplary embodiment of the present invention. 
     The payer accesses the internet banking by using the cellular phone and performs a user authentication process S 1501 . 
     The payer inputs withdrawal account information (including a password and a deposit) by using the cellular phone S 1502 . The payer inputs deposit account information (a deposit bank, a deposit account number, a message of a receiving bankbook, and etc.) S 1503 . The payer confirms the inputted information S 1504 . 
     When an additional transfer or an additional payment process is not generated S 1505 , the cellular phone of the payer receives the information such as the cellular phone number and the E-mail of the payer from the payer and transmits the information and the payment approval request to the server S 1506 . 
     The server transmits a message for requesting the input of the cellular phone or the E-mail of the payer. The payer inputs the confirmation number into ic the cellular phone or the E-mail S 1507 . 
     When the inputted confirmation number corresponds to the registered confirmation number S 1508 , the payment server pays the corresponding payment sum S 1509 . 
     When the payer request the issue of the receipt S 1510 , the receipt is printed or stored S 1511  and the payment process is finished. 
     The payment management method according to the exemplary embodiment of the present invention is embodied as a type of program commands performed through various computer units in order to be recorded in a computer readable medium. For example, the payment management method can be embodied as a type of VM function module downloaded and installed in the cellular phone or a type of management software installed in a server of a financial system. The payment management method can be provided as a type of software/firmware programmed previously in a memory of the payment terminal and can be performed in programmed orders. 
     The computer readable medium can include one of a program command, a data file, and a data structure or a combination of the program command, the data file, and the data structure. The program command recorded in the medium is a particular kind designed and composed for the present invention or a usable kind disclosed in a computer software expert group. For example, the computer readable medium is a magnetic medium such as a hard disk, a floppy disk, and a magnetic tape or an optical medium such as a CD-ROM and a DVD or a magneto-optical medium such as a floptical disk or a hardware device such as a ROM, a RAM, and a flash memory which is composed particularly to store and perform the program command. For example, the program command includes a high level language code executed by a computer using an interpreter as well as a machine language code made by a complier. The hardware device can be composed as one or more software module in order to perform operations of the present invention and the converse is equal. 
     While this invention has been described in connection with what is presently considered to be practical exemplary embodiments, it is to be understood that the invention is not limited to the disclosed embodiments, but, on the contrary, is intended to cover various modifications and equivalent arrangements included within the spirit and scope of the appended claims.