Method and System for Operating Independent Payment for Various Web Platform

摘要

The present invention relates to a web platform independent type payment operating method and a system. The web platform independent type payment operating method includes a first step of receiving product information requested for payment by a member store device by a payment request of a user terminal accessing the member store terminal and receiving a signature value hashing a member stores key and the product information distributed to the member store device through hash algorithm, a second step of authenticating the validity of the member store terminal and verifying the counterfeitness of price and the validity of the product information through the signature value, a third step of generating and issuing a disposable payment authentication token for a payment request by receiving payment request information including payment information displayed on the payment interface and a nth mode payment parameter inputted through the payment interface corresponding to a nth(1=n=N) payment mode selected through a payment mode selection interface displayed on the user terminal among N(N=1) pieces of payment modes provided through M(M=1) pieces of platforms, a fourth step of receiving a member store key distributed to the member store device and a hash value hashing the payment authentication token through the hash algorithm, a fifth step of authenticating the legitimacy of the payment request information through the hash value, and a sixth step of performing a payment approval process according to the nth payment mode by using the payment information and the nth mode payment parameter. [Reference numerals] (100) User terminal; (110) Member store device; (114) Web platform management part; (118) Member store registering part; (122) Connect management part; (126) Payment link requesting part; (130) Product information generating part; (134) Product information providing part; (138) Authentication token processing part; (142) Interface management part; (146) Payment process linking part; (150) Payment management server; (154) Member store management part; (158) Connect management part; (162) Member store authenticating part; (166) Product information receiving part; (170) Product information authenticating part; (174) Authentication token issuing part; (178) Payment modedetermining part; (182) Payment request receiving part; (186) Payment request authenticating part; (190) Payment approval process part; (194) Payment completion process part; (198) Payment approval server; (AA) Wire terminal; (BB) Wireless AP; (CC) Wireless terminal; (DD) Base station; (EE,FF) Communication network