KR100344114B1 - Method for approving electronic commerce using the short message service and system therefor - Google Patents

Abstract

The present invention relates to a method and a system for approving an electronic payment using a short message service. The present invention relates to a product purchase information, a mobile communication subscriber terminal number and an authentication number for authenticity of a true subscriber. Receiving user payment account authentication information including a; Performing user authentication on a subscriber who has made a payment request for the product by searching a predetermined database in which user payment account authentication information of subscribers is stored in advance; Interworking with the mobile telecommunications provider server to check whether the payment request amount can be postpaid through a billing statement issued by the mobile telecommunications provider by querying the mobile telecommunications subscriber database; Generating post-approval approval number and transmitting to the terminal of the mobile subscriber using a short message service if the post-payment of the payment price is possible through the interworking, and databaseing the approve approval number; And after re-transmitting the occupancy approval number from the mobile subscriber computer through the communication network, comparing the received occupancy approval number with the databaseed occupancy approval number, and finally acquiring a post-paid electronic payment method for the payment price of the product. It includes; step.

Description

Method for approving electronic commerce using the short message service and system therefor}

According to the present invention, the user's identity is confirmed by using the mobile subscriber terminal, the mobile subscriber's credit is confirmed by interworking with the mobile communication server, and the transaction in the cyber is formed with the confirmed personal credit. The system was designed to activate the e-commerce market and ultimately provide a new economic paradigm in which a mobile terminal can be used to approve and credit the individual.

The present invention relates to an electronic payment approval method and system for implementing the same in electronic commerce, and more particularly, when a mobile subscriber tries to purchase a product in an electronic shopping mall, interconnection with a mobile communication provider in a payment approval server. The present invention relates to an electronic payment approval method using a short message service for acquiring a transaction for the product by querying a mobile communication subscriber database of a subscriber secured through the present invention, and a system for implementing the same.

Electronic commerce is a transaction of goods or services, in whole or in part, by electronic methods such as electronic document exchange. A customer connects to a virtual store ("electronic shopping mall") using a terminal connected to the Internet, such as a computer, to make a purchase. When they find the product they want, they will send a purchase intention to the electronic shopping mall and make a payment using a credit card, prepaid card or online remittance.

However, in the conventional e-commerce payment method, there is anxiety that the card information may be exposed to a third party with illegal intention, since the user directly inputs the credit card serial number and password when using a credit card. In case of using a prepaid card, the user must purchase the card in advance, and if the card with the balance is lost, the remaining amount cannot be exchanged for cash. It is inconvenient to pay the purchase price to the account of the electronic shopping mall by visiting directly or by using telebanking or internet banking. The purchase payment method according to the prior art still shows its limitations in terms of activation of safe and convenient electronic transactions using an electronic shopping mall in that it is a prepaid payment made without obtaining a product.

The technical problem to be achieved by the present invention, when a mobile subscriber purchases a product in an electronic shopping mall through a communication network, using a mobile terminal number received from the subscriber and an authentication number (for example, a password) that can authenticate the true subscriber. User authentication, grabs the credit information of the subscriber through interworking with the mobile operator server, generates an occupancy approval number that can authenticate the occupancy of the mobile communication terminal, and prompts the mobile operator server to the subscriber terminal. After transmitting the occupancy approval number by using a short message service (SMS), the subscriber confirms whether the occupancy approval number entered through the electronic shopping mall and the occupancy approval number transmitted to the mobile communication provider are compared to each other to determine whether they are the same. , Which finally approves payment for the purchase of goods in the electronic shopping mall. An electronic payment approval method using a message service and a system thereof are provided.

1 is a view schematically showing the configuration of an electronic payment approval system using a short message service according to an embodiment of the present invention;

2 is a flowchart illustrating a method for approving an electronic payment using a short message service according to an embodiment of the present invention;

3a and 3b is a flow chart showing a payment process after payment approval electronic payment shown in FIG.

Figure 4 is a block diagram showing the approval process in the electronic payment approval system shown in FIG.

In the electronic payment approval method using the short message service according to the present invention for achieving the technical problem, the payment approval server of the operator in real time through the communication network and the mobile communication provider server having a mobile communication subscriber database in the electronic shopping mall It is about the method of approving the electronic payment of the purchase price of goods sold online. More specifically, the electronic payment approval method using the short message according to the present invention includes (a) a payment approval server including information on the type of purchase goods and purchase price information from a mobile communication subscriber computer connected to an electronic shopping mall server through a communication network. Receiving user payment account authentication information, including product purchase information, and a mobile communication terminal number of the subscriber and an authentication number for confirming the authenticity of the subscriber, through the electronic shopping mall server; (b) performing, by the payment approval server, a user authentication for the subscriber who made a payment request for the product by querying a predetermined database in which user payment account authentication information of the subscribers is stored in advance; (c) by checking the subscriber information including the payment request information of the billing requester in the mobile subscriber database, it is possible to determine whether the payment request amount can be postpaid through the billing bill issued by the mobile communication service provider; The payment approval server interworking with the mobile communication service provider server through a communication network; (d) If the payment approval server is confirmed (credit) that the post-payment of the payment is possible through the above-mentioned interworking, it generates the occupancy approval number and transmits it to the terminal of the mobile subscriber using the short message service. Database; And (e) the payment approval server receives the occupancy approval number input by the subscriber from the mobile communication subscriber computer through the communication network through the approval number input web page provided through the electronic shopping mall server. Comparing the occupancy approval number and the database occupancy approval number and if they match with each other, the step of finally approving the electronic payment of the post-payment method for the payment price of the product; characterized in that it comprises a. An electronic payment approval system using a short message service according to the present invention includes an electronic shopping mall server for selling a product online; A database in which mobile communication terminal numbers for a plurality of mobile communication subscribers and authentication numbers for confirming authenticity of a true subscriber are stored in advance; A payment approval server receiving a payment request from a computer of a mobile communication subscriber who wants to purchase a predetermined product by accessing the electronic shopping mall server; The occupancy approval number generated by the payment approval server is transmitted to the terminal of the mobile communication subscriber using the short message service, and the payment for the predetermined product is moved to be settled in a postpaid manner through a billing statement issued by the mobile communication service provider. And a mobile communication service provider server interworking with the payment approval server through a communication network using a communication subscriber database. In the system according to the present invention, the electronic shopping mall server receives a purchase request of a predetermined product from a mobile communication subscriber computer. Preferably, the payment information input web page is provided to the subscriber computer. In the system according to the present invention, the payment approval server may include information on the type of goods purchased from the mobile communication subscriber computer through the payment information input web page. Purchase information, including purchase price , After transmitting user payment account authentication information including the authentication code for authenticating a terminal number, and whether real subscribers own mobile subscribers and the user authentication; The mobile communication server and the mobile service provider server may be used to determine whether the payment request amount can be postpaid to the mobile communication fee by referring to the subscriber information including the mobile communication fee storage of the payment requester contained in the mobile communication subscriber database. Interworking through a communication network; If it is confirmed based on the subscriber information that the post-pay settlement is possible for the purchase price of the product, it is preferable to generate the occupancy approval number and transmit it to the mobile communication subscriber terminal using the short message service. The electronic shopping mall server preferably provides an approval number input web page for allowing the mobile subscriber to input an occupation approval number transmitted in a short message. In the system according to the present invention, the payment approval server After receiving the occupancy approval number from the mobile communication subscriber computer through the communication network through the approval number input web page, compare the input occupancy approval number and the transmitted occupancy approval number and match each other to postpaid payment for the purchase price. It is advisable to finalize the electronic payment method. .

Hereinafter, with reference to the accompanying drawings will be described in detail a preferred embodiment of the present invention.

1 is a view schematically showing the configuration of an electronic payment approval system using a short message service according to an embodiment of the present invention.

1, an electronic payment approval system using a short message service according to the present invention includes a mobile communication subscriber computer 10; Subscriber station 12; A server (hereinafter referred to as an electronic shopping mall server) of the electronic shopping mall 20 connected through the communication network 50; Payment approval server 30; And a server (mobile communication service provider server) of the mobile communication service provider 40.

The mobile communication subscriber owns the terminal 12 and accesses the electronic shopping mall 20 server using the subscriber computer 10 to purchase goods. The subscriber computer 10 is an input device that executes an application program such as a web browser, and is connected to the electronic shopping mall 20 server through a communication network 50 to make a purchase order for a product. And a personal digital assistant (PDA).

The electronic shopping mall 20 server has a product database (DB; 22) storing a product to be sold and a sales database (DB) 23 storing sales information about a product purchased by a mobile subscriber. In the meantime, the mobile communication subscriber requests payment approval to the payment approval server 30 to pay for the product to be purchased.

The payment approval server 30 may include a processor 31, a member database 32, and a payment database 33 for approval of payment for a purchase order of a subscriber input through the electronic shopping mall 20 server. Equipped. The payment approval server 30 requests and receives subscriber information about the subscriber from the mobile communication provider 40 server, and determines approval of the purchase of goods by the subscriber based on the subscriber information. According to the approved result, the mobile communication provider 40 server transmits the occupancy approval number to the mobile communication subscriber's terminal 12 using a short message service (SMS).

The mobile communication provider 40 server has a mobile communication subscriber database 42 that stores information such as a terminal number and storage details for a subscriber, and requests subscriber information at the request of the payment approval server 30. Extracted from the subscriber database 42 and transmitted to the payment approval server 30, the wireless communication network 52 using the short message service to the subscriber terminal 12 to the possession approval number sent from the payment approval server 30; Send it through.

The electronic shopping mall 20 server receives the occupation approval number received by the mobile communication terminal 12 from the subscriber through the communication network and transmits it to the payment approval server 30.

The payment approval server 30 compares the occupancy approval number transmitted through the electronic shopping mall 20 server with the occupancy approval number transmitted to the mobile communication service provider 40 server, and if it matches, the approval result is returned to the electronic shopping mall ( 20) transmits to the server and the mobile communication provider 40 server, and stores the payment approval result in the payment database 33. On the other hand, if the occupancy approval numbers do not match, the payment approval server 30 notifies the electronic shopping mall server 20 and the mobile communication service provider server 40 that the approval is not approved, the payment for the purchase of the product of the subscriber is not approved. Do not As such, when the payment is successfully approved for the purchase order of the product, the electronic shopping mall 20 delivers the product ordered by the subscriber to the subscriber by a predetermined method (courier service, etc.) and displays the sales history of the product. The data is stored in the sales database 23.

In the present invention, the communication network 50 refers to the Internet connecting the world using the Transmission Control Protocol / Internet Protocol (TCP / IP) protocol, and the wireless communication network 52 may refer to a code division multiple access (CDMA), Voice and data can be transmitted to portable wireless phones such as hand held phones, cellular phones, and mobile phones employing time division multiple access (TDMA) and IMT2000. It is called a communication network.

As described above, the payment approval server 30 approves the payment of the product ordered by the mobile communication subscriber using the subscriber information provided by the mobile communication service provider 40 server. It is possible to easily purchase a product by not using the same unnecessary payment method, and the electronic shopping mall 20 can reduce the inconvenience of receiving and receiving a payment for the product purchaser to activate the electronic commerce. In addition, in order to check whether the purchaser of the product requesting the payment is actually occupied the mobile terminal, generate an occupancy approval number, which is a kind of random number, and transmit it to the subscriber of the mobile terminal by using a short message, and then reconnect the communication network. By re-entering through the Internet and confirming the match, and finally approving the final payment for the purchase of goods, more secure credit transactions can be implemented in Internet e-commerce. If a third party with an illegal intention knows an occupancy approval number that has been used in the past, an illegal electronic payment cannot be made unless the mobile communication terminal is occupied at the present time.

Hereinafter, an electronic payment approval method using a short message service according to an embodiment of the present invention will be described in detail with reference to the accompanying drawings.

2 is a flowchart illustrating an electronic payment approval method using a short message service according to an embodiment of the present invention, Figure 4 is a block diagram showing the approval process in the electronic payment approval system according to the present invention.

2 and 4, the electronic payment approval procedure according to the present invention is a mobile communication subscriber is connected to the electronic shopping mall 20 server through the communication network 50 using the subscriber computer 10 for a predetermined product Make a purchase order (S110).

When the subscriber makes a purchase order, the payment is directed to a payment webpage (not shown) to proceed with the payment for the payment. Here, the subscriber may select whether to pay with a credit card or pay with a mobile terminal.

When the subscriber selects the payment method using the mobile communication terminal, a screen provided by the payment approval server 30 is provided, and the subscriber determines whether the subscriber has already registered a member (S120).

If the subscriber is not registered, provide a member registration web page and register by inputting a terminal number, password and social security number necessary for membership registration (S130). Here, the member registration may be a method of registering using the computer 10 connected to the communication network 50 and a method of registering using an ARS (auto response service) through the telephone network. Here, the password or social security number may be used as an authentication number for confirming whether or not the true subscriber.

As described above, the payment approval server 30 for the goods ordered to the electronic shopping mall 20 in the state that the subscriber has completed the subscriber registration to the payment approval server 30, the payment approval server 30 through the electronic shopping mall 20 server By providing the information input web page, the subscriber receives a terminal number and authentication number (for example, a password or social security number) and receives information on the purchase price (price) of the product and the identification code of the electronic shopping mall 20 (S140).

The payment approval server 30 requests the mobile communication provider 40 server for subscriber information inputted through the electronic shopping mall 20 server (S150).

The mobile communication provider 40 server extracts the requested subscriber information from the mobile communication subscriber database 42 and transmits it to the payment approval server 30 (S160). The subscriber information includes a terminal number and a subscriber's mobile communication fee storage.

The payment approval server 30 determines a payment limit of the subscriber based on the received subscriber information (S170). More specifically, the payment approval server 30 evaluates the credit rating of the subscriber (in the accommodation details whether the payment of the purchase price of the product is possible through the payment status of the mobile communication fee, such as information on whether or not the late payment of the payment fee of the subscriber; If the subscriber is inadequate to pay for the purchase of the product (due to the delinquency of the mobile communication fee or the discontinued use of the mobile communication terminal, etc.) after the personal credit data is included). The payment approval is transmitted to the electronic shopping mall 20 server (S180).

On the other hand, if the payment approval server 30 is determined to be suitable for the subscriber to pay for the product purchase orders in the electronic shopping mall 20 according to the subscriber's credit rating, the processor 31 is provided with itself Generate the approval number occupied by using the algorithm of the stored in the database, and transmits the occupation approval number generated by the mobile communication provider 40 server through the communication network (S190).

The mobile communication service provider 40 server transmits the occupation approval number received from the payment approval server 30 to the mobile communication terminal 12 of the subscriber using the short message service (SMS) (S200). In this case, it is preferable that the transmission path use a wireless communication network 52.

The subscriber inputs the approval number received by the terminal 12 into the approval number input web page provided through the electronic shopping mall 20 server using the computer 10 (S210). The electronic shopping mall 20 server transmits the approval number occupied by the subscriber to the payment approval server 30 (S220).

The payment approval server 30 compares the occupation approval number transmitted from the electronic shopping mall 20 server with the occupation approval number transmitted to the mobile communication provider 40 server (S230). In this case, if the occupancy approval numbers do not match, the electronic shopping mall 20 notifies that the approval of payment is rejected (S180).

On the other hand, when the occupancy approval numbers match, the payment approval server 30 notifies the payment approval result to the electronic shopping mall 20 server and the mobile communication service provider server 40 to approve the payment (S240). Here, the approval result is stored in the payment database 33 provided in the payment approval server 30, and also stored in the subscriber database 42 of the mobile communication provider 40. In this way, the subscriber stores information on the product purchase, respectively, which the mobile communication provider 40 to be described later receives the payment and remits the payment to the electronic shopping mall 20, and receives the approval fee to the payment approval server 30. This is because it is necessary for comparison when sending money.

In addition, the electronic shopping mall 20 server stores the approval result in the sales database 23 and delivers the approved product to the subscriber (S250).

Next, the process of paying the payment for the product purchased by the subscriber will be described with reference to FIGS. 3A and 3B.

3A is a flowchart illustrating a process of receiving a payment price from a subscriber according to the first embodiment of the present invention. Referring to FIG. 4, the mobile communication provider 40 provides the subscriber with the mobile communication bill. The bill is received and paid in a postpaid manner (S310). Here, the mobile communication provider 40 bills the subscriber on a regular date, for example, once a month, by adding the payment amount to the mobile communication terminal fee.

The mobile communication service provider 40 remits the amount excluding the receiving agency fee from the received payment to the payment approval server 30 (S320). In addition, the payment approval server 30 calculates some of the payments received from the mobile communication provider 40 as an approval fee, and transfers the remaining payments excluding the amount to the electronic shopping mall 20 (S330).

As described above, the payment approval server 30 approves the payment for the goods ordered by the mobile communication subscriber connected to the electronic shopping mall 20 through the communication network 50, and the subscriber receives the credit card or the online transfer. The product can be purchased without going through a separate payment method, and the electronic shopping mall 20 can reduce the inconvenience of payment and storage for the sold product.

On the other hand, Figure 3b is a flow chart showing a process of receiving a payment from the subscriber according to the second embodiment of the present invention, as shown in the dotted line in Figure 4 the payment approval server 30 is the electronic shopping mall 20 By billing to the subscriber the payment for the purchase goods delivered to the subscriber by the (S350).

The payment approval server 30 transfers a part of the received payment amount to the mobile communication service provider 40 to receive the information fee and the short message service (SMS) fee (S360). In addition, the payment approval server 30 further transfers the payment amount excluding the approval fee to the electronic shopping mall 20 (S370).

As described above, since there is a payment approval server 30 that approves the payment for the purchase of goods from the mobile communication subscriber in the e-commerce and acts as a storage, the electronic shopping mall 20 can increase the product sales, The mobile communication service provider 40 may generate revenue through a short message service (SMS) whenever a payment approval for the sale of the product is required.

According to the present invention, by using the short message service through the mobile communication terminal to approve the electronic payment has the following effects: First, replace the credit card or electronic money with the mobile communication terminals that are widely spread nationwide Second, by providing the occupancy verification step of the mobile communication terminal, which is the electronic payment means itself, the anxiety resulting from illegal exposure of electronic payment account information can be eliminated. Since the occupancy authorization number generated in the step is a variable number which is a kind of random number, even if a person with an illegal intention knows the occupancy authorization number through a predetermined method, the occupancy authorization number for the mobile communication terminal (which acts like a credit card) Illegal electronic consequences not intended by a legitimate user if not occupied Fourth, it can be suggested as an alternative to micropayment means (credit cards are unusable in transactions of hundreds to thousands of dollars), which contributes to the vitalization of the Internet market and the monetization of content. Fifth, the cost is settled through the existing billing bill issued by the mobile operator, which minimizes all costs incurred in the cost settlement process. Sixth, the payment approval server is a gateway type that is scalable and versatile. Because it provides a service, an electronic shopping mall server and a mobile communication server server do not establish a separate solution and system to perform their own electronic payment agency service, but simply establish a company member without a separate system without a separate system. Offer members a payment service using a mobile communication terminal You can do it.

Seventh, the electronic shopping mall can be expected to increase sales by enabling the mobile communication subscriber, a buyer, to make payments on the products easily, thereby increasing sales, and taking extra effort to receive payments from the buyer. You will be able to receive payments without entering.

Eighth, the mobile operator transmits the approval number to the subscriber's terminal whenever the mobile subscriber makes an e-commerce transaction in the electronic shopping mall, thereby obtaining revenue from a short message service (SMS) fee and a storage agent fee, thereby increasing revenue. Become effective.

Ninth, the payment approval server acts as a proxy for payment approval for merchandise sales from the electronic shopping mall and obtains the approval fee income, provides the mobile communication service provider with the short message service fee and the storage agency fee, and purchases the mobile communication subscribers. By paying a postpaid payment, it helps to make it easier to purchase products.

Claims (15)

A method for approving an electronic payment of a purchase price of a product sold online in an electronic shopping mall by interworking with a mobile telecommunication service provider server having a mobile communication subscriber database in real time through a communication network, (a) the product purchase information including the type information of the product to be purchased and the purchase price information from the mobile communication subscriber computer in which the payment approval server is connected to the electronic shopping mall server through the communication network, the mobile communication terminal number of the subscriber and the true identity Receiving user payment account authentication information including an authentication number for confirming; (b) the payment approval server performing a user payment account authentication of the subscriber who made a payment request for the product purchase price by searching a database in which user payment account authentication information is previously stored; (c) The payment approval server requests and receives payment request subscriber information stored in the mobile communication subscriber database to the mobile telecommunication service provider server, and may settle the post-payment through the billing bill issued by the mobile telecommunication service provider. Receiving subscriber history information which can confirm whether credit is present in the subscriber information; (d) After confirming that the payment approval server is able to postpaid the payment, based on the subscriber information received, the payment approval server generates an occupancy approval number if the postpayment is possible, and then transmits it to the terminal of the mobile subscriber using the short message service. Doing; And (e) The payment approval server receives the occupancy approval number from the mobile subscriber computer via the approval number input web page provided through the electronic shopping mall server, and then enters the occupancy approval number and the occupancy approval number transmitted. Comparing with the final step of finalizing the electronic payment of the post-payment method for commodity purchase price; Electronic payment approval method using a short message comprising a. According to claim 1, Before proceeding to step (a), The payment approval server provides a registration webpage to the mobile communication subscriber computer through the electronic shopping mall server for the mobile communication subscriber to which the authentication number is not assigned, and the mobile communication of the subscriber through the registration webpage. Terminal number; And receiving the authentication number for authentic identification through a communication network and storing the authentication number in a database. According to claim 1, Before proceeding to step (a), The payment approval server further comprises the step of receiving and storing the mobile terminal number and the authentication number for the authentic identity of the mobile terminal from the mobile communication subscriber who has not been given an authentication number through the ARS, and storing them in a database. Electronic payment approval method using short message. The method of claim 1, The authentication number is an electronic payment approval method using a short message, characterized in that the password randomly designated by the mobile subscriber or the resident registration number of the mobile subscriber assigned by the country. The method of claim 1, In the step (a), the payment approval server further receives the electronic shopping mall identification code from the mobile communication subscriber computer via the electronic shopping mall server, After proceeding to step (e) The payment approval server further comprises the step of databaseting the payment history for the purchase price of the final payment approved products, the payment history is the electronic shopping mall identification code information approved for payment; Information on the type of goods paid; And electronic payment approval method using a short message, characterized in that the payment includes. The method of claim 5, The payment approval server transmits the payment approval result of the product purchase price to the electronic shopping mall server, the electronic shopping mall server further comprises the step of allowing the database of the sales history of the goods for which payment was finally approved. Electronic payment approval method using short message. The method of claim 5, The payment approval server transmits the payment approval result of the product purchase price to the mobile communication company server, so that the mobile communication company server to store the product purchase history of the mobile communication subscriber in the subscriber database, characterized in that it further comprises: , Electronic payment approval method using a short message. A database in which mobile communication terminal numbers for a plurality of subscribers and authentication numbers for confirming true subscriber identity are stored in advance; The product purchase information including the type information of the purchased product and the purchase price from the computer of the mobile communication subscriber who wants to purchase a predetermined product by accessing the electronic shopping mall server that sells the product online, the terminal number and the true number of the mobile communication subscriber. A payment approval server receiving user payment account authentication information including an authentication number for authenticating the subscriber; The occupancy approval number generated by the payment approval server is transmitted to the terminal of the mobile communication subscriber using the short message service, and the payment for the predetermined product is moved to be settled in a postpaid manner through a billing statement issued by the mobile communication service provider. In the electronic payment approval system using a short message comprising a; mobile communication service provider server interworking with the payment approval server through a communication network using a communication subscriber database, The payment approval server, (a) verifying a user payment account for the subscriber who requested the payment for the goods purchase by querying the database; (b) When the user is authenticated, the subscriber requests for payment of the purchase price of the product purchase price contained in the mobile communication subscriber database to the mobile communication service provider server. Receiving subscriber information is sent to be included in the subscriber information to confirm whether the credit can be settled through the post-payment through; (c) if it is confirmed based on the subscriber information that the post-payment is possible for the payment price of the product, generate an occupancy approval number and transmit it to the terminal of the mobile communication subscriber using a short message service; (d) After receiving the occupancy approval number from the mobile communication subscriber computer through the communication network through the approval number input web page provided through the electronic shopping mall server, input the occupancy approval number and the transmitted occupancy approval number. The electronic payment approval system using a short message, characterized in that the final approval of the post-payment type electronic payment for the purchase price of the product if they match each other. A database in which mobile communication terminal numbers for a plurality of subscribers and authentication numbers for confirming true subscriber identity are stored in advance; The product purchase information including the type information of the purchased product and the purchase price from the computer of the mobile communication subscriber who wants to purchase a predetermined product by accessing the electronic shopping mall server that sells the product online, the terminal number and the true number of the mobile communication subscriber. A payment approval server receiving user payment account authentication information including an authentication number for authenticating the subscriber; The occupancy approval number generated by the payment approval server is transmitted to the terminal of the mobile communication subscriber using the short message service, and the payment for the predetermined product is moved to be settled in a postpaid manner through a billing statement issued by the mobile communication service provider. In the electronic payment approval system using a short message comprising a; mobile communication service provider server interworking with the payment approval server through a communication network using a communication subscriber database, The payment approval server, (a) interworking with the mobile telecommunications provider server, allowing the user payment account authentication to be made to the subscriber making the payment request by querying the database using the input user payment account authentication information; Querying the subscriber information including the billing requester's mobile communication fee storage information so as to check whether the billing request amount can be postpaid to the mobile communication fee; (b) if it is confirmed based on the subscriber information that the post-payment is possible for the purchase price of the product purchase, generate an occupancy approval number and transmit it to the terminal of the mobile subscriber using the short message service; (c) After receiving the occupancy approval number from the mobile communication subscriber computer through the authorization number input webpage provided through the electronic shopping mall server, comparing the occupancy approval number entered with the occupancy approval number transmitted and matching the same. Electronic payment approval system using a short message characterized in that the final approval of the electronic payment of the postpay method. An electronic shopping mall server for selling goods online; A database in which mobile communication terminal numbers for a plurality of mobile communication subscribers and authentication numbers for confirming authenticity of a true subscriber are stored in advance; A payment approval server receiving a payment request from a computer of a mobile communication subscriber who wants to purchase a predetermined product by accessing the electronic shopping mall server; The occupancy approval number generated by the payment approval server is transmitted to the terminal of the mobile communication subscriber using the short message service, and the payment for the predetermined product is moved to be settled in a postpaid manner through a billing statement issued by the mobile communication service provider. In the electronic payment approval system using a short message comprising a; mobile communication service provider server interworking with the payment approval server through a communication network using a communication subscriber database, (a) the electronic shopping mall server, Upon receipt of a purchase request for a predetermined product from a mobile subscriber computer, providing a payment information input web page to the subscriber computer; (b) the payment approval server, A user including product purchase information including information on the type of purchase product and the purchase price from the mobile communication subscriber computer through the payment information input web page, a terminal number of the mobile communication subscriber, and an authentication number for authenticating the authenticity of the subscriber; Receive payment account credentials, Interworking with the mobile telecommunications provider server, so that the user payment account authentication can be performed by querying the database using the user payment account authentication information, and includes the mobile communication charges of the billing requester contained in the mobile subscriber database Inquiry about the subscriber information allows credit verification to determine whether the payment request amount can be settled on the post-pay bill. If it is confirmed based on the subscriber information that the post-pay settlement is possible for the purchase price of the product purchase, generate an occupancy approval number and transmit it to the mobile communication subscriber terminal using a short message service; (c) the electronic shopping mall server, Providing an authorization number web page for allowing the mobile communication subscriber to enter an occupation authorization number sent in a short message; (d) The payment approval server, After receiving the occupancy approval number from the mobile communication subscriber computer through the communication network through the approval number input web page, and comparing the input occupancy approval number with the transmitted occupancy approval number and matching each other, a post-payment method for purchase price Electronic payment approval system using a short message, characterized in that the final approval of the electronic payment. A method for approving an electronic payment of a purchase price of a product sold online in an electronic shopping mall by interworking with a mobile telecommunication service provider server having a mobile communication subscriber database in real time through a communication network, (a) product purchase information including information on the type of purchase target product and purchase price information from a mobile communication subscriber computer in which the payment approval server is connected to the electronic shopping mall server through a communication network, the mobile communication terminal number of the subscriber and the true subscriber himself Receiving user payment account authentication information including an authentication number for checking whether the electronic shopping mall is received through a communication network; (b) the payment approval server queries a predetermined database in which user payment account authentication information is stored in advance, so that user payment account authentication may be performed for the subscriber who has made a payment request for the product, and the mobile communication subscriber Inquiring the subscriber information including the payment request information of the billing requester in the database so that the credit check can be made as to whether the payment request amount can be settled through the billing statement issued by the telecommunication service provider. ; (c) If the payment approval server is confirmed that the postpay settlement of the payment price is possible through the above-mentioned interworking, it generates the occupancy approval number and transmits it to the terminal of the mobile subscriber using the short message service and database the occupancy approval number transmitted. Doing; And (d) The payment approval server receives the occupancy approval number input by the subscriber from the mobile communication subscriber computer through the communication network through the approval number input web page provided through the electronic shopping mall server, and then receives the occupancy received. Approving the electronic payment of the post-payment method for the payment price of the product if the approval number and the database occupancy approval number match each other; Electronic payment approval method comprising a. The method of claim 11, The authentication number is an electronic payment approval method using a short message, characterized in that the password randomly designated by the mobile subscriber or the resident registration number of the mobile subscriber assigned by the country. The method of claim 11, In the step (a), the payment approval server further receives the electronic shopping mall identification code from the mobile communication subscriber computer via the electronic shopping mall server, After proceeding to step (e) The payment approval server further comprises the step of databaseting the payment history for the purchase price of the final payment approved products, the payment history is the electronic shopping mall identification code information approved for payment; Information on the type of goods paid; And electronic payment approval method using a short message, characterized in that the payment includes. The method of claim 13, The payment approval server transmits the payment approval result of the product purchase price to the electronic shopping mall server, the electronic shopping mall server further comprises the step of allowing the database of the sales history of the goods for which payment was finally approved. Electronic payment approval method using short message. The method of claim 13, The payment approval server transmits the payment approval result of the product purchase price to the mobile communication company server, so that the mobile communication company server to store the product purchase history of the mobile communication subscriber in the subscriber database, characterized in that it further comprises: , Electronic payment approval method using a short message.