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    • 2. 发明申请
    • Authentication and Payment System and Method Using Mobile Communication Terminal
    • 使用移动通信终端的认证和支付系统和方法
    • US20080189186A1
    • 2008-08-07
    • US11574201
    • 2005-08-24
    • Jun-Won ChoiJoo-Mun LeeSe-Hyun OhMyung-Sung LeeWhan-Chul Kim
    • Jun-Won ChoiJoo-Mun LeeSe-Hyun OhMyung-Sung LeeWhan-Chul Kim
    • G06Q20/00G06Q30/00
    • G06Q20/32G06Q20/12G06Q20/20G06Q20/322G06Q20/3255G06Q20/40G06Q30/06G06Q30/0609
    • Disclosed herein are an authentication and payment system and method. The authentication and payment system of the present invention includes an issuer server, an issuer information management intermediate server, an acquirer server and a payment server. The issuer server issues, manages and operates payment means. The issuer information management intermediate server manages URL information required to access domestic and foreign issuer servers. The acquirer server performs payment approval and performs acquisition and settlement for member stores. The payment server intermediates 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. Accordingly, the present invention can provide a safe and convenient payment process with respect to payment means, such as credit cards, electronic money or mobile phone micro payment that can be selected between a purchaser and a merchant.
    • 这里公开了认证和支付系统和方法。 本发明的认证和支付系统包括发行者服务器,发行者信息管理中间服务器,收单服务器和支付服务器。 发行人服务器发行,管理和经营支付手段。 发行者信息管理中间服务器管理访问国内和国外发行者服务器所需的URL信息。 收单服务器执行付款审批,并对成员商店进行收购和结算。 支付服务器在发行方服务器和收单方服务器之间进行中介,以响应来自商户终端的请求来提供认证和支付服务。 因此,本发明可以为购买者和商家之间可以选择的信用卡,电子货币或移动电话微支付等支付手段提供安全且方便的支付处理。