METHOD FOR APPROVING ELECTRONIC SETTLEMENT BY USING NUMBER OF MOBILE TERMINAL

摘要

1. the art that the invention defined in the claims; The invention, will an electronic payment authorization method using a phone number of the mobile terminal.; 2. The invention attempts to solve the technical challenges; The present invention, in advance by registering the phone number of the user's credit card information or bank account information and mobile terminal and enter the phone number and password of the payment mobile terminal, easy to perform settlement of electronic transactions, the mobile terminal phone number a thing of the electronic payment authorization method.; 3. Resolution of the subject matter of the invention,; The present invention, the main server, a user information database (DB) - storing the user's credit card information and / or bank account information, - and the merchant information system to work DB and a, through the merchant terminal and the user of the mobile terminal and the network in, in the electronic payment authorization method using the telephone number of the mobile terminal to request the approval of the credit card / bank with respect to the payment information input through the merchant terminal, the approval is the main server from the merchant terminal requesting-user receiving the - a phone number of the mobile terminal, configured to include a password and a payment amount; Transmitting the authorization code to the mobile terminal of the user included in the authorization request received from the merchant terminal; Receiving an authorization number from the merchant terminal; If the authorization code received from the authorization number and the merchant terminal transmitting to the mobile terminal the user the same, wherein the main server is authorized by the credit card / bank using a credit card / bank account details stored in the user information DB comprising the step of requesting.; 4. An important use of the invention,; The invention yiyongdoem to the electronic payment system.