ICT

摘要

The present invention relates to a method for performing mobile and online simple settlement using ICT by receiving credit limit, personal account, insurance, and the like. More specifically, it is possible to perform mobile payment or online / offline payment freely and easily without a POS terminal, regardless of the place, and it is possible to carry out both functions by breaking down the dary between consumers and sellers, The present invention relates to a method for performing mobile and online simple settlement using ICT.To this end, the present invention provides a mobile communication terminal, comprising: (a) transmitting a payment information including a payment amount and GPS information to a guarantee server by a mobile device or a terminal of a member including a consumer or a seller identified by a unique number; (B) through the member's personal consent from the credit provider to whom the member's personal credit line is provided, including credit card companies, banks, insurers, insurers, personal pensions, insurers including insurance, Receiving the payment information through the step (a) and accessing the database; (C) If the guarantee server confirms the credit limit of the consumer member corresponding to the payment information in the database in which the information on the credit limit of each member is stored, if the amount of the payment information exceeds the confirmed credit limit, Subtracting the amount of the payment information from the credit limit; (D) increasing the credit limit of the merchant by the amount of the settlement information and storing it in the database; And (e) transmitting the approval or rejection approved or rejected in step (c) to the mobile terminal or the terminal of the consumer and the seller of the guarantee server using the information including the credit limit, And the like.;