Authentication and payment system and method using mobile communication terminal
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.
1. A method for providing a payment service comprising:
instructing a purchaser's mobile communication terminal to generate a callback URL message responsive to receiving a mobile communication terminal number of a purchaser from a merchant terminal, the callback URL message including URL information and an identifier or key value for indexing purchase information to allow the purchaser's mobile communication terminal to access a payment server;
transmitting a confirmation response to the purchaser's mobile communication terminal confirming purchase details received by the payment server;
receiving payment authentication information for payment means of the purchaser from the purchaser's mobile communication terminal;
after receiving payment authentication information, automatically redirecting a connection of the purchaser's mobile communication terminal from the payment server to an issuer server for transmitting payment means information to the issuer server to enable the purchaser's mobile communication terminal to employ issuer server access URL transmission for requesting the issuer server to authenticate payment means of the purchaser, wherein the issuer server compares the payment authentication information received from the purchaser's mobile communication terminal with previously registered payment authentication information to authenticate a corresponding transaction and transmit authentication results indicative of success to the payment server;
responsive to receiving the authentication results from the issuer server and payment information from the merchant terminal, automatically redirecting a connection of the purchaser's mobile communication terminal from the payment server to an acquirer server to approve payment by the acquirer server; and
causing the acquirer server to process approval according to an approval request received from the merchant terminal, a member store system or a wired network intermediate system, and transmit approval results to the merchant terminal and the purchaser's mobile communication terminal.
2. The method of claim 1 , further comprising requesting the issuer server to confirm whether the purchaser has subscribed to an authentication service corresponding to the payment means.
3. The method of claim 2 , further comprising using the issuer server to confirm whether the purchaser has subscribed to the authentication service corresponding to the payment means after the purchase information confirmation is received and payment means information transmission step has been performed.
4. The method of claim 1 , further comprising:
transmitting, from the payment server, a payment approval request message including authentication results from the issuer server;
transmitting payment information received from the merchant terminal to the acquirer server; and
transmitting approval results to the merchant terminal and to the purchaser's mobile communication terminal responsive to receiving the approval results relative to authentication of the purchaser.
5. The method of claim 1 , further comprising:
transmitting the payment means information from the payment server to the issuer server of the corresponding payment means;
confirming whether the purchaser has subscribed to an authentication service corresponding to the payment means of the purchaser; and
if the purchaser is confirmed to be an authentication service subscriber transmitting the issuer server access URL information to the payment server.