KR20010089104A - Payment system and method using personal cellular phone - Google Patents

Abstract

The present invention relates to a system for paying for the purchase price of goods using a personal mobile communication terminal in a normal commerce and a method for payment of the purchase price, and more particularly to a mobile phone number as a means of payment for the purchase price of goods in electronic commerce. If you enter, the payment server received the purchase information from the seller receives the pre-registered password through the buyer's mobile phone to approve the transaction to the seller to deliver the goods, and the purchase price of the goods to the mobile phone bill and integrated billing and A payment method for goods and a payment method for collecting and paying the seller; A system capable of performing a credit card function with a mobile phone in purchasing goods offline and a method of using the same; It relates to a simple payment method of these.

Description

Payment system and method using personal communication terminal {Payment system and method using personal cellular phone}

The present invention relates to a system for paying for the purchase price of goods using a personal mobile communication device (hereinafter, referred to as a "communication terminal" or "mobile phone") and a payment method of the purchase price in general commerce. In the case of entering a mobile phone number as a payment method for a purchase price of a product, a mobile phone communication service provider (hereinafter referred to as a `` communication service provider '') receiving purchase information from a seller receives a password registered in advance through a buyer's mobile phone. An item payment settlement system and a payment method for allowing the delivery of goods through transaction approval to the seller and integrating and collecting the goods purchase price in the mobile phone bill; The present invention relates to a system capable of performing a credit card function on a mobile phone and a method of using the same in purchasing goods offline.

Referring to FIG. 1, a typical electronic commerce includes a step 10 in which a consumer accesses a shopping mall server; Determining whether the member is a member 20; If not a member to induce membership (30), and if a member to purchase a product (40); Selecting a payment method (50) and verifying payment (60); It has a step 70 of delivering. The payment method 50 of the conventional Internet commerce is mostly bank deposits or credit cards. In the case of giro deposits, buyers spend time and effort sending money after ordering goods, and in the case of credit card payments, payment is made only by entering a credit card number, which has a fatal weakness in security. In addition, in the case of credit card payment, credit card must be issued, possessed and maintained separately for general offline commerce or electronic commerce payment. In addition, electronic wallets and electronic money are based on advanced encryption technology, but they are not yet widely distributed compared to efforts, and it is inconvenient to maintain the balance with electronic money by issuing an electronic wallet separately. There is a problem that it is difficult to become the ultimate payment method.

It is an object of the present invention to construct a very simple system that replaces all credit settlement means other than cash payments by using a mobile phone which is now universally and always carried by buyers. It is to provide a way to pay.

Still another object of the present invention is to simplify the payment process of the buyer by paying the goods purchase price by the telecommunications provider to charge the mobile phone owner the charges for using the mobile phone and the goods purchase price and pay them to the seller.

1 is a flow chart of purchase of goods and payment in a typical e-commerce,

2 is a conceptual diagram of an article purchase and payment system as one embodiment of the present invention;

Figure 3 is a flow chart of the article purchase and payment method as an embodiment of the present invention,

4 is a conceptual diagram of a simple payment method as an embodiment of the present invention.

*** Description of the main parts of the drawings ***

100; Cellular phone provider server 102; Member information DB 104; Member Credit Information DB

108; Credit rating module 110; Telephone connection module 112; Identification module 114; Central processing unit 116; Internet access means 118; Input means 120; Billing processing module 200; Buyer PC 202; cellphone

300; Shopping mall server 302; Member information DB 304; Purchasing Information DB

306; Purchase information sending module 308; Payment method selection module 310; Central Processing Unit

316; Internet connection means 400; telephone communication network 402; Internet network

The payment system using the personal communication terminal of the present invention is a personal communication terminal; A server; The personal communication terminal; A billing system comprising a two-way network interconnecting these devices,

The server includes input means for inputting the purchaser's personal information, payment password, credit information and the buyer's personal information, purchase information, transaction approval request information presented from the seller; A member information DB constructed by the input means; A credit evaluation module for evaluating whether the transaction approval request information input from the seller is available for purchase using credit information of the member information DB; In addition, the transaction approval request from the seller is received and whether the transaction approval by the credit rating module is sent to the buyer and the seller, and the buyer is the buyer himself, the fact of purchase, the purchase history, and the payment password for the buyer. It has a dial connection module to check

The personal communication terminal includes a purchase fact transmitted by the telephone connection module of the server and a transmission / reception means for inputting a purchase history and a payment doctor authentication password to the server.

Hereinafter, a payment system and a method using a personal communication terminal as an embodiment according to the present invention will be described with reference to the drawings.

Example 1: Payment system using personal communication terminal

2, the payment system using a personal communication terminal according to the present invention, the payment server 100, the member information DB 102, the input means 118 or Internet access means 116, credit evaluation Module 108, telephone connection module 110, billing processing module 120, and member credit information DB 104. 2, the shopping mall server 300 requesting payment to the payment server 100 includes a member information DB 302, a purchase information DB 304, a purchase information sending module 306, and a payment method. A selection module 308 is provided, and a general central processing unit 310 and an internet connection means 316 are provided. Since the shopping mall server 300 is the same as a normal shopping mall server, a detailed description thereof will be omitted.

The payment server or server 100 includes a module and a DB for performing a payment authentication process through a personal mobile phone 202 and performing a function to receive a payment for payment and to pay it to a seller. The server 100 and the personal mobile phone 202 are connected by a normal telephone communication network 400.

The member information DB 102 constructed with the purchaser's personal information, payment password, and credit information is registered and managed by the server 100 as a member who wants to use the system to perform the payment authentication process. It is for.

The input unit 118 performs a process of inputting the purchaser's member information and the purchase fact and / or the purchase history and the purchase price from the seller to the server 100. The purchase information may be received from the shopping mall server 300 through the internet access means of the payment server 100 using the internet access means 316. In this case, a separate input means 118 may not be provided.

Credit evaluation module 108 is input from the seller in addition to the member information DB 102 and the input means 118 (input method is directly input by the seller via the Internet or the seller directly presents the purchase information to the communication service provider to communicate It is for approving a buyer's credit by evaluating the buyer's credit based on the purchase information received by the service provider. As a result, the credit rating module 108 uses the member credit information DB 104 built in the server 100 to perform a cash transfer or credit purchasing capability determination.

The dialing module 110 performs the function of confirming to the buyer whether the buyer is himself or herself, the purchase fact, the purchase history, and the payment password according to the credit evaluation result of the credit evaluation module 108. Software that connects to the buyer through a two-way wired and wireless communication network. The means for connecting with such a module may be a telephone connection or an internet connection. For example, when the communication service provider is a mobile phone service provider, it is a general wireless phone for connecting to a mobile phone.

In addition to this, if the server 110 further includes a billing processing module 120 for processing the billing by reflecting the purchase price on the communication bill in the server 100, the carrier purchases the goods purchase price mobile phone The purchaser's payment process is simplified by integrating the owner with the mobile phone bill and the purchase price of the goods. The billing processing module 120 is a general software that checks the purchase history and the payment intention, and functionally performs the process of billing the buyer by reflecting the purchase price on a mobile phone bill.

The server 100 is a member credit information DB (104) for the status of payment of the mobile phone usage fee and the purchase price overdue and the like, which are reflected in the credit rating according to the transaction performance of the purchaser who is a member and managed by the member credit information DB (104). ) May be further included.

The mobile phone 202 receives the purchase fact and the purchase history and the payment intention transmitted by the telephone connection module 110 of the server 100 and confirms this, and inputs the password for payment through the mobile phone 202. And transmitting and receiving means for transmitting to the server 100. Such a mobile phone 202 is enough that it can be used as a PDA, IMT-2000, electronic notebook, general wired / wireless phone or personal use, and the most widely used mobile phone carried by an individual at present is preferable. However, any personal communication device that is currently developed or will be developed may include any function of the present mobile phone.

The interaction of the systems is expressed again in a method of payment using the present system to be described later, the configuration of such a system is limited only by the claims and can be recognized by those skilled in the art. It is natural to include all possible variations.

Example 2 payment method using a personal communication terminal

Referring to Figure 3, the payment method using a personal communication terminal using the present system will be described.

The purchase price payment using a personal communication terminal, for example, a mobile phone, by the system, requires that the purchaser be registered as a payment member on a server of a communication service provider (hereinafter referred to as a 'mobile phone service provider'). Is premised. In this payment member registration step, the purchaser registers the purchaser's name, address, mobile phone number, and other personal information (such information may have already been registered at the time of mobile phone registration) and password. In order to prolong the time taken by the learner to acquire the password and use it illegally, the password is treated as a password by combining a mobile phone number or other symbols or numbers, but preferably 128 bit encryption algorithm. The encryption of the personal information and password of the member is to prevent the leakage of personal information is not limited to this in the present invention will be readily apparent to those skilled in the art. In addition, although the encryption method has described the 128-bit encryption algorithm as an example, the encryption method may be any method.

In addition, it is preferable to register and manage the seller as a member in the server of the mobile phone service provider in order to grasp the transaction situation and secure a secure transaction.

In general e-commerce, that is, when a buyer accesses a sales site of a shopping mall and purchases an item to the seller, the seller delivers the purchased item to the buyer, and the buyer pays for the item,

First, (a) a member registration step 500 in which a purchaser registers the purchaser's personal information and payment password on the server of the mobile phone service provider and registers as a mobile phone payment member;

(B) a purchase step in which the buyer selects a mobile phone as a payment method and inputs a mobile phone number after purchasing an item from a seller;

(C) a transaction approval request step 520, in which the seller notifies the mobile phone service provider server of the mobile phone number, transaction details and transaction price, and requests transaction approval;

(D) a transaction approval decision step 530 of determining whether or not the mobile phone service provider can use the mobile phone payment member and buyer on the DB to check whether the mobile phone service provider can use the credit information;

(E) a payment doctor confirmation step 540 of allowing the mobile phone service provider to connect the mobile phone of the mobile payment member to confirm membership and confirm transaction details and transaction price, and then input a payment password;

(F) an item delivery step 550 of which the seller who has received the transaction approval from the mobile phone service provider who has received the payment settlement confirmation delivers the purchased item to the buyer;

(G) a billing step 560 in which the cellular phone service provider charges the purchaser for the goods;

(H) A payment payment step 570 in which the mobile phone service provider who has received the payment pays the purchase price of goods to the seller is sequentially performed.

In the payment doctor confirmation step 540, whether the member himself / herself, the transaction details and the transaction price confirmation may be selected from any one of the methods of fostering, text message, and voice conversion software. The identity and transaction details and the transaction price confirmation can be done in various ways. However, since the final step of inputting the password remains, the mobile phone service provider presents only the information of the transaction details and transaction price with the purchaser. It can be done only.

In addition, in the payment doctor confirmation step 540, the mobile phone service provider receiving the confirmation of the payment doctor (this process may be performed using a mobile communication network separately) provides the transaction details and transaction approval to the seller and the payment bank. This includes the act of notifying.

The billing step 560 is a step in which the mobile phone provider includes an integrated bill in the mobile phone bill including the price of the goods, and the purchaser purchases the mobile phone service fee and the purchase price to the mobile phone provider according to the bill. The seller pays the purchase price by presenting the transaction details to the bank. In this case, it is desirable to have a procedure for notifying the seller and the buyer of the unique transaction approval number for each transaction when the transaction is approved, and for the seller to present the transaction approval number to the paying bank and confirm the transaction. In addition, the receipt of the purchase price will be issued in the next month's mobile phone bill.

In addition, the payment method in the member registration step 500 and the purchase step 510 is selected to select one of the payment means such as credit card, cash transfer through the payment bank that manages the deposit of the member, electronic money payment. It may be provided to expand the scope of use of the present system or may be limited to any one method. In addition, the personal information of the member and the information registered by encrypting the password for payment are shared with the payment bank that manages the deposit account of the member, so that the seller submits a payment request and presents a transaction approval number. It prevents overpayment of purchase price by judging whether it matches with information on DB built in server.

The payment step 570 may be a method of paying the goods price to the seller according to the purchase method payment method or payment by electronic money at the time of ordinary cash debit or credit card purchase currently made through the payment bank. .

Example 3: Payment system using a mobile phone offline

4, the payment system using a mobile phone offline is a mobile phone 600, which is a personal communication terminal; Server 602; A bidirectional network or telecommunication network 604 connecting the mobile phone 600 and the server 602; Mobile phone reader 606 is included.

The mobile phone 600 is a conventional mobile phone having an ESN (Eectronic Serial Number), which is a device unique number assigned to a device, and prevents others from verifying the phone number and the owner's name of the mobile phone. It is also possible to give another unique number or symbol to the mobile phone for security instead of the ESN.

The server 602 is provided with input means (same as 118 of FIG. 1) for inputting the purchaser's personal information, the payment password, the credit information and the buyer's personal information, the purchase information, and the transaction approval request information presented from the seller. ; A member information DB (same as 102 in Fig. 1) constructed by the input means; A credit evaluation module (same as 108 of FIG. 1) for evaluating whether or not the transaction approval request information input from the seller is available for purchase using the credit information of the member information DB; The mobile phone unique number (ESN) sent from the seller's credit card transaction checker or cash advance device and the mobile phone number entered by the buyer and entered by the buyer or entered directly by the buyer match the mobile phone number in the member information DB. Identification module for determining whether or not the purchaser matches the owner of the mobile phone; If the credit card transaction inquiry or cash service device receives the device unique number (ESN) of the buyer's mobile phone and the purchase information and the price and the transaction approval request information, the transaction is consistent with the mobile phone owner's information and the credit rating transaction is possible. Granting or ordering an authorization number or cash payment approval to a credit card transaction inquiry machine or a cash service device, and if it does not match with the mobile phone owner information, the telephone connection module for determining transaction failure and transmitting it to the seller (110 in FIG. 1). Similar); It has a billing processing module (the same as 120 in Fig. 1) for the mobile phone bill and mobile phone bill billing. The server is almost the same as or similar to that of the server 100 described above.

The mobile phone recognizer 606 is a conventional credit card inquiry machine or cash payment service device, and the like, and additionally includes the following devices. That is, the device for reading the device unique number (ESN) of the mobile phone; The mobile phone unique number, purchase history or cash service request history and transaction approval or cash payment service request information is input or transmitted, and a transmission / reception means for receiving a transaction approval number or cash payment approval command from the server is connected and configured. The transmission / reception means is equipped with the conventional apparatus.

Thus, the buyer purchases the item in an offline transaction and presents the purchase price of the mobile phone 600 and the mobile phone number to the seller, and the seller places the received mobile phone 600 on the mobile phone recognizer 606 and At the same time, when the mobile phone number is inputted, the unique information and the mobile phone number of the mobile phone are transmitted to the server 602 through the telephone communication network 604, and the server 602, which has received the information, searches for the member information DB. When the transaction is confirmed and the transaction approval or non-trade information is transmitted to the seller, the seller fills out the sales slip, receives the buyer's signature, and ends the credit settlement, thereby replacing the existing credit card settlement.

The payment system and payment method in Example 3 can be used for cash payment or cash transfer. In other words, in case of receiving cash dispensing service or cash service from cash dispenser or cash service machine, or in case of cash transfer, put the mobile phone on the mobile phone's unique information recognition (or reading) device of cash service machine, If entered, the ATM will perform a conventional service process. In addition, if a password is additionally entered and managed in the member information DB of the server, in the case of a cash payment service, a cash payment service authentication process may be performed by entering a mobile phone number and / or a password.

Example 4 Payment Method Using Personal Communication Terminal Offline

If a buyer goes directly to a seller to buy something offline and uses their mobile phone as a payment method,

(A) a member registration step in which a purchaser registers as a mobile phone payment member on a server of a mobile phone service provider and becomes a member (this step is the same as 500 of FIG. 3);

(B) a payment means selection step in which the buyer purchases the goods and presents his mobile phone and the mobile phone number to the vendor as a means for purchasing the goods;

(C) a transaction approval request step in which a seller places a mobile phone received from a buyer on a unique information reading device of the communication terminal and simultaneously inputs a mobile phone number to transmit the unique information of the mobile phone and the mobile phone number to the server of the mobile phone service provider; Wow;

(D) a transaction approval decision step of determining, by the server of the mobile phone service provider that has received the information from the seller, the member information DB information and the identity of the member information to determine transaction approval or transaction failure information;

(E) a transaction approval transmission step of transmitting a notification of the transaction approval to the seller from the server of the mobile phone operator;

(F) the seller filling out a sales slip and receiving a buyer's signature to terminate the credit settlement;

(G) claiming, by the cellular phone service provider, a cellular phone fee and a purchase price;

(H) The steps in which the seller pays the bill by presenting the sales slip to the paying bank are made in sequence.

When you receive cash disbursement services or cash services from an ATM or cash advance machine, or in the case of cash transfers,

(A) registering the member;

(B) a service application step of placing a mobile phone on a mobile phone unique information recognition device of a cash service machine and inputting information on a mobile phone number and service type and service contents into an ATM;

(C) a service application contents transmitting step of transmitting, by the cash service device, information on a mobile phone unique information, a mobile phone number, a service type, and service contents to a mobile phone service provider;

(D) a service approval determination step of determining, by the server of the mobile phone service provider that has received the information from the cash service device, whether the user information is identical to the member information DB information and determining service approval or service unavailable information;

(E) a service approval transmission step of notifying a service applicant whether to approve a transaction from a server of the mobile phone operator;

(F) the cash service machine executing a service;

(G) The billing step in which the mobile phone service provider charges a mobile phone usage fee and a purchase price is sequentially connected.

In addition, in order to enhance security, it may be possible to enter a separate password in addition to the mobile phone number in the service application step. In this case, a password must be additionally entered into the member information DB of the server of the mobile phone provider during the member registration step.

Example 5: Payment method using a personal communication terminal with a contactless smart card

Since the mobile phone described in Embodiments 3 and 4 has a smart card embedded with a mobile phone subscriber's name, phone number, and password, the smart card can be searched for information registered in advance on the mobile phone operator's server without receiving formal user authentication. You can also pay for the mobile phone user's built-in information and password. Smart cards are preferably contactless.

Payment is made by contacting the mobile phone with a smart card in the mobile phone reader and calling the personal information and password embedded in the smart card. At this time, since the mobile phone holder is required to present a password embedded in the smart card, it may be provided with minimal authentication and security procedures, but is not limited thereto.

Example 6 Simple Payment Method Simplified Payment Method

In the above embodiments, the amount that can be paid using a mobile phone, the number of transactions, the period, etc. may be registered in advance in registering with the server. Within the registered amount, the number of transactions, and the period, you can connect to the server and make payments only with the signature of the mobile phone and the mobile phone holder without going through a mobile phone number, a special encryption procedure, or an authentication procedure.

For example, if you pre-registered in the server to use your mobile phone for payment 10 times within the next week within the range of 1 million won, you can make payment only with the signature of your mobile phone and mobile phone holder within the above payment range. have.

Example 7 Simple Payment Method Using Authentication Number

The payment number of the authentication number and the corresponding authentication number may be registered in advance in the server of the embodiment, and the payment may be made only by the signature of the authentication number and the authentication number presenter. One authentication number may be registered for use only once, or may be registered for use over a plurality of times. It is preferable to limit the payment range of the authentication number, but is not limited now.

The authentication number is transmitted from the server to the mobile phone, stored in the memory of the mobile phone, and the authentication number can be used using a conventional mobile phone recognizer. Of course, the authentication number may be stored in a contactless smart card to make a payment in the same manner as in the fifth embodiment. Alternatively, you can make a payment by writing down the verification number on a notebook or the like and presenting a verification number such as a notebook when making a payment.

As described above, the payment system and the payment method using the personal communication terminal according to the present invention has been described by way of example, but the present invention is not limited thereto. In other words, it is natural to include all modifications that can be recognized by those skilled in the art.

According to the system of the present invention, if the purchaser owns only the mobile phone, it is possible to make a simple and safe on-site purchase or credit purchase payment procedure using the system.

In particular, the present invention can replace a credit card with one personal mobile communication device such as a mobile phone that is currently owned, thereby eliminating the hassle of maintaining several kinds of credit cards at once, as well as deposit and withdrawal of deposits. Since the password is managed with the latest encryption technology, it can be freed from the risk of fraud due to the loss of credit card, thus ensuring the most reliable and secure transaction.

In addition, the purchase price will be integrated and paid by the mobile phone service bill of the mobile phone service provider, which is a convenient payment method for the buyer.

Claims (13)

A personal communication terminal; A server; The personal communication terminal; A billing system comprising a two-way network interconnecting these devices, The server includes input means for inputting the purchaser's personal information, payment password, credit information and the buyer's personal information, purchase information, transaction approval request information presented from the seller; A member information DB constructed by the input means; A credit evaluation module for evaluating whether the transaction approval request information input from the seller is available for purchase using credit information of the member information DB; In addition, the transaction approval request from the seller is received and whether the transaction approval by the credit rating module is sent to the buyer and the seller, and the buyer is the buyer himself, the fact of purchase, the purchase history, and the payment password for the buyer. It has a dial connection module to check The personal communication terminal is configured to include a transmission and reception means for transmitting to the server to enter the purchase facts and purchase history and payment doctor authentication password transmitted by the telephone connection module of the server Payment system using a terminal. The method of claim 1, Purchase information from the seller is a payment system using a personal communication terminal, characterized in that provided by the shopping mall operator of the normal e-commerce using the two-way network. The buyer purchases the goods from the seller; In a normal transaction in which the buyer pays for the goods after the seller delivers the goods to the buyer, (A) a purchaser registration step in which a purchaser registers and authenticates the purchaser's personal information and payment password on a server of a communication service provider and authenticates the purchaser; (B) a purchase step in which the purchaser selects a payment means including a purchase number from a seller and an access number of a personal communication terminal; (C) a transaction approval request step in which the seller notifies the communication service provider server of a personal communication terminal's access number, transaction details, transaction price, and transaction approval; (D) a transaction approval decision step of determining whether or not a transaction is possible using the personal information terminal payment settlement member and the purchaser on the member information DB built by the communication service provider and credit information; (E) a billing intention confirmation step of allowing the telecommunication service provider to access the purchaser's personal communication terminal, confirm membership and confirm transaction details and transaction price, and then input a payment password; (F) an article delivery step of delivering the purchased article to the purchaser by the seller who has received a transaction approval from the communication service provider who has received the payment settlement confirmation; (G) a billing step in which the telecommunications service provider bills the purchaser for the goods; (H) a payment method using a personal communication terminal, characterized in that the payment service step of paying the goods purchase price to the seller by the communication service provider who received the payment is sequentially performed. The method of claim 3, Confirmation of the identity of the payment settlement step and transaction details and transaction payment confirmation are made by selecting any one method of nurturing, text message, and voice by text-to-speech software. Way. The method according to claim 3 or 4, The purchase of the goods is made in an e-commerce shopping mall using a bidirectional network, The payment method in the member registration step and the purchase step is any one of a credit card, cash transfer through a payment bank that manages a member's deposit, and electronic money payment; The information registered by encrypting the personal information and payment password of the member in the member registration step is shared with the payment bank that manages the deposit account of the member, The payment intention confirmation step includes an act of notifying the seller and the payment settlement bank of the transaction details and the approval of the transaction by the mobile phone provider that has received the confirmation of the payment intention; The payment step comprises the step of paying the goods price to the seller in accordance with the normal cash transfer or the purchase price payment method using a conventional credit card through the payment bank. Payment method. A server; A personal communication terminal; A communication terminal for the service provider; Including a two-way network connecting these devices, The server comprises: input means for inputting personal information, payment password, credit information of a personal communication terminal user, and personal information, purchase information, and transaction approval request information of the personal communication terminal user presented from a service provider; A personal communication terminal user member information DB constructed by the input means; A credit evaluation module for evaluating whether or not the transaction is available for purchase using the credit information of the personal communication terminal user member information DB with respect to the transaction approval request information input from the service provider; The personal communication terminal device-specific information inputted from the transaction approval inquiry device of the service provider and the personal communication terminal access number or password inputted and transmitted by the service provider presented by the user of the personal communication terminal user and the information of the member information DB An identification module for determining whether or not to match the owner of the personal communication terminal; And a dial-up module for transmitting information input and transmitted from the transaction approval inquiry machine of the service provider and whether the transaction of the credit evaluation result by the credit evaluation module is possible to the transaction approval inquiry machine of the service provider; It comprises a billing processing module for billing the service fee to the user of the personal communication terminal, The personal communication terminal has device-specific information and is configured such that no one other than the device owner can verify the phone number and owner name of the device owner; The service provider communication terminal includes a reading device attached with a sensor for reading device-specific information of the personal communication terminal; Input and transmit the device specific information of the personal communication terminal recognized by the reading device, the service history and the transaction approval request data input by the service provider to the server, and receive a transaction approval number or cash payment approval command from the server. Payment system characterized in that it comprises an input / output means for. The method of claim 6, The service provider communication terminal is a payment system characterized in that it comprises a device specific information reading device of the personal communication terminal in any one of the conventional credit card transaction query and cash dispenser. In the general deposit and withdrawal service of a cash advance machine using a credit or debit card, (A) registering a member using a service device for providing a cash service using a personal communication terminal; (B) The cash service user places the personal communication terminal on the personal information terminal of the personal communication terminal of the service device for the cash service provider, and provides the personal communication terminal access number, information on the type of service and the service content of the service device for the cash service provider. A service application step of inputting in the; (C) transmitting to the telecommunication service provider information unique to the personal telecommunication terminal of the service user read by the service device for the cash service provider and information on the personal telecommunication terminal access number, service type and service contents input by the cash service user; Transmitting service request information; (D) a service approval determination step in which the server of the communication service provider which has received the information from the service provider for the cash service provider confirms whether the service user is identical and whether the service is approved using the member information DB information; Wow; (E) a service approval transmission step of transmitting a transaction approval from a server of the communication service provider to a service user; (C) executing the service according to whether the cash service provider service device is authorized for a transaction; (G) a method for providing a cash service using a personal communication terminal, characterized in that a billing step in which the communication service provider charges and collects a personal communication terminal fee and a purchase price to the service user is sequentially performed. In a typical transaction where a buyer buys an item directly from the seller and pays for it with a credit card, (A) a member registration step in which a purchaser registers with a telecommunications service provider as a payment user using a personal communication terminal; (B) a payment intention display step in which the buyer selects a personal communication terminal as a payment means after purchase and provides a personal communication terminal and a personal communication terminal access number to the seller; (C) The seller places the personal communication terminal on the unique information reading device of the personal communication terminal of the transaction approval inquiry device which is the communication terminal for the service provider, and displays the unique information and the information on the transaction history and transaction approval inquiry request. A transaction approval inquiry request step which is input to the terminal and transmitted to the communication service provider; (D) a transaction approval decision step of determining, by the server of the communication service provider that has received the information from the transaction approval inquiryer of the seller, the identity verification and the transaction approval by using the member information DB; (E) a purchase slip issuing step in which the seller receives the transaction approval from the server of the communication service provider to the transaction approval inquiry machine and notifies a transaction failure or issues a purchase slip and receives a signature; (F) The price using the personal communication terminal, characterized in that the telecommunication service provider sequentially performs a billing step of claiming and collecting the communication service fee and the purchase price of the personal communication terminal and a payment step of paying the purchase price to the seller. Payment Method. The method according to any one of claims 1, 3, 6, 7, and 8, The personal communication terminal is a payment system using a personal communication terminal, characterized in that any one of the PDA, IMT-2000, electronic notebook, general wired and wireless telephone. The method according to any one of claims 3, 8 and 9, The billing step, the billing method using the personal telecommunications terminal, characterized in that the telecommunications service provider integrated billing including the price of goods in the personal telecommunications terminal communication service fee bill. Providing a seller with a personal communication terminal equipped with a contactless smart card storing the password; Contacting the personal communication terminal with a recognizer of the personal communication terminal and calling a password stored in the contactless smart card; Determining whether the password of the smart card matches the password of the members registered in the server; If the password is matched, the billing method using a personal communication terminal having the step of the holder of the personal communication terminal to sign the billing paper payment ends. Registering the authentication number from the server; Downloading and storing the authentication number into a personal communication terminal through a telephone communication network; The payment method using a personal communication terminal having the step of presenting the personal communication terminal at the time of payment and calling the authentication number of the personal communication terminal to pay the bill.