Patent ID: 8811945

Claim:
A method for approving a payment transaction for the purchase of goods by a user having a mobile terminal through a service or payment server pursuant to which payment information is provided over the wireless Internet with the payment information being utilized for confirmation and approval of the payment transaction before the payment is made, comprising the steps of: providing the store location from which the goods are purchased with the mobile number of the user with the store location having a terminal connected to the service or payment server; storing individual identification information of the user in an authentication server, with the user having a mobile terminal from which payment information inclusive of individual identification information of the user is transmitted to the authentication server with a number corresponding to the mobile terminal of the user; transmitting a payment request from the terminal of the store location to the service or payment server; using the service or payment server to request said individual identification information from the authentication server; using the authentication server to authenticate the service server upon request by the service server for the stored individual identification information provided to the mobile terminal by the user; transmitting the stored individual identification information to the service server when the service server is authenticated; transmitting a message requesting service access to said mobile terminal of the user from the service server, and transmitting the individual identification information sent from the authentication server to the mobile terminal in response to a request of transmitting the individual identification information from the mobile terminal for the user to personally confirm that the individual identification information transmitted to the mobile terminal is identical to the users individual identification information; upon personal confirmation by the user, that the transmitted individual identification information is the same as the user's individual identification information and the payment information is correct, the user approves the payment transaction; and transmitting an approved response to the service or payment server.