KR101608299B1 - Phonbill system and method - Google Patents

Abstract

The billing system according to the present invention generates a payment token key using the user confirmation information and the user terminal number input from the user terminal at the time of initial payment and transmits the generated payment token key to the user terminal, Stores the payment token key, and transmits the payment token key stored without receiving the user confirmation information from the user at the time of payment, thereby simplifying settlement and providing convenience to the user.

Description

{PHONBILL SYSTEM AND METHOD}

More particularly, the present invention relates to a payment system and method, and more particularly, when a user performs payment using a user terminal, when a user inputs user confirmation information only at the time of initial payment, the user terminal transmits a payment token And the key is stored and stored, so that the user does not have to input the user confirmation information any more at the time of payment.

With the development of Internet communication technology, customers are increasingly purchasing and purchasing goods using the Internet.

Meanwhile, in recent years, as mobile communication terminals are equipped with Internet functions, more and more customers are enjoying shopping through mobile Internet.

However, in order for the customer to proceed payment through the mobile, a troublesome procedure such as inputting a resident registration number (user confirmation information) every time of payment, requesting the authentication code and manually inputting the received authentication code is required.

SUMMARY OF THE INVENTION It is an object of the present invention to provide a system and a method for simplifying a settlement procedure when a customer wants to receive a settlement service through a mobile.

According to a first aspect of the present invention, there is provided a settlement system for supporting content purchase of a user terminal, the settlement system comprising: a receiver for receiving user confirmation information and a user terminal number from the user terminal, Generates a token key, transmits the generated token key for payment to the user terminal, generates an arbitrary authentication code, transmits the generated authentication code to the user terminal, receives a payment authentication request message from the user terminal A payment relaying device for performing a predetermined authentication procedure and generating a payment approval request message; And a payment processing device for receiving the user confirmation information and the user terminal number from the payment relay device to confirm whether the user authentication and payment can be performed and delivering the confirmed payment availability to the payment relay device, The predetermined authentication procedure of the device is characterized by receiving an authentication code from the user terminal and checking whether the authentication code matches the authentication code generated in the payment relay device and stored in advance.

According to a second aspect of the present invention, a user terminal comprises: a payment page providing unit displaying a specific payment page through a shopping application or a web browser; An authentication information storage unit for storing predetermined authentication information; A payment information processing unit for confirming the authentication information stored in the storage unit at the request of the payment page providing unit and generating a payment approval request message including the authentication information; And a transmission / reception unit for transmitting the payment approval request message generated from the payment information processing unit to a payment system.

According to a third aspect of the present invention, a payment relay apparatus includes an authentication information generation unit including a payment token key generation module for generating a token key for payment, and an authentication code generation module for generating an authentication code; And a control unit that extracts user confirmation information from the payment token key and provides the payment confirmation to the payment processing apparatus when the payment request message including the payment token key and the authentication code is received from the user terminal, And a settlement authentication unit for confirming whether or not the settlement information matches the stored information and performing settlement approval processing.

According to a fourth aspect of the present invention, there is provided a method of streamlining a payment, comprising: checking whether a user terminal accesses a payment page and authentication information is stored for content payment; When the authentication information is stored in the checking step, the user terminal transmits authentication information to the payment relay device; Extracting the user identification information and the user terminal number from the received authentication information and providing the extracted user identification information to the payment processing apparatus; Confirming whether payment can be made using the user confirmation information and the user terminal number received from the payment processing device, and notifying the payment relay device of the result; And comparing the authentication code included in the authentication information with a previously stored authentication code according to a result of the notification of the payment relay device, and approving the settlement according to the comparison result.

According to a fifth aspect of the present invention, there is provided a computer-readable recording medium including a computer readable medium having computer readable program code embodied therein for causing a computer to function as: Confirming whether or not to store the authentication key for authentication and the authentication code including the user identification information and the user terminal number when the payment relay device requests payment for the specific content through the payment page; And providing the payment authorization key and the authentication code to the payment relaying device when the payment authentication key is stored.

According to a sixth aspect of the present invention, there is provided a computer-readable recording medium having a computer-readable recording medium, the computer-readable recording medium comprising: receiving a payment approval request signal for a specific content from a user terminal; receiving a payment token key and an authentication code from the user terminal within a predetermined time; Extracting the user confirmation information included in the token key for payment and providing the user confirmation information and the user terminal number to the payment processing device and transmitting a payment confirmation request signal; And a step of receiving the settlement availability confirmation notification from the settlement processing apparatus and, when payment is possible, confirming the authentication code received from the user terminal and the previously stored authentication code and processing payment approval. do.

According to the present invention, in the payment through the mobile, when the user inputs the user confirmation information such as the resident registration number and the payment is approved only at the time of the first payment, the user can settle the payment without further inputting the user confirmation information It is possible to provide user convenience.

1 is a block diagram illustrating a main configuration of a billing system according to an embodiment of the present invention.
2 is a block diagram illustrating a main configuration of a user terminal according to an embodiment of the present invention.
3 is a block diagram illustrating a main configuration of a payment relay apparatus according to an embodiment of the present invention.
FIG. 4 is a flowchart illustrating a settlement process by the settlement system according to an embodiment of the present invention.
FIG. 5 is a flowchart illustrating a process of generating a payment token key and an authentication code at the time of first payment by the payment system according to an embodiment of the present invention.
6A to 6D are diagrams illustrating a screen for making an initial settlement in a user terminal according to an embodiment of the present invention.
7 is a diagram illustrating a screen for making a payment in a user terminal storing authentication information according to an embodiment of the present invention.

Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings. The configuration of the present invention and the operation and effect thereof will be clearly understood through the following detailed description. Before describing the present invention in detail, the same components are denoted by the same reference symbols as possible even if they are displayed on different drawings. In the case where it is judged that the gist of the present invention may be blurred to a known configuration, do.

1 is a block diagram illustrating a main configuration of a billing system according to an embodiment of the present invention.

The billing system according to an embodiment of the present invention is a billing system in which when a user accesses a payment page provided by an arbitrary content providing device through a web browser or a shopping application using a user terminal and makes payment, If the same user confirmation information is input, the system allows the user to make payment without inputting user confirmation information at the time of payment.

To this end, the payment relay device generates a payment token key and transmits it to the user terminal. The payment token key is generated by encrypting the user identification information and the user terminal number such as a resident registration number input through the user terminal at the time of initial payment. The user terminal having received the token key for payment stores the token key for payment in the security area, and automatically transmits the token key to the payment relay device at the time of settlement, thereby omitting the procedure of inputting user confirmation information from the user.

1, the payment system includes a user terminal 100, a payment relay device 200, a payment processing device 300, and a content providing device 400. As shown in FIG.

The user terminal 100 accesses a payment page through a web browser or a shopping application and requests payment settlement to settle the desired content. The user terminal 100 may be implemented in various forms. For example, a mobile phone, a smart phone, a notebook computer, a digital broadcasting terminal, a PDA (Personal Digital Assistants), a PMP (Portable Multimedia Player), a navigation system, an e-book terminal, .

The user terminal 100 checks whether the payment token key and the authentication code are stored before the payment request, and when the payment token key and the authentication code are stored, the user terminal 100 transmits the payment token key Send a verification code to request payment.

When the payment token key and the authentication code are not stored at the time of payment request, the user terminal 100 displays a UI for inputting user confirmation information to the user, receives the user confirmation information, and transmits the user confirmation information to the payment relay device 200 The payment token key and the authentication code are received from the payment relay device 200 and stored in the security area, and then, at the time of settlement, the payment token key and the authentication code stored in the settlement relay device 200 are transmitted to the settlement relay device 200 .

The user confirmation information means information for authenticating a user such as a resident registration number or an alien registration number, and the user confirmation information is previously stored in the payment processing device 300. [

The payment relay device 200 plays a role of acting as a proxy for payment payment through the communication network 10 in the middle. The payment relay device 200 may be a single device or a plurality of devices. For example, the payment relay apparatus 200 may be a payment gateway (PG).

PG (Payment Gateway) is a payment gateway that allows a buyer to collect credit from a credit card company or bank that a buyer trades on behalf of a seller so that a buyer can use a credit card or make a transfer on the Internet for payment in electronic commerce And then provides the service to pay the remaining amount to the seller. It is a kind of electronic settlement agency.

The payment relay device 200 generates a payment token key and an authentication code in response to a payment approval request from the user terminal 100, transmits the authentication token to the user terminal 100, and transmits the user confirmation information to the payment processing device 300 Requests confirmation of the payment possibility, receives the authentication code from the user terminal 100, confirms whether it matches the previously stored authentication code, and requests payment approval to the payment processing device if the authentication code matches. The user confirmation information may be received directly from the user terminal 100 or may be extracted from the payment token key transmitted from the user terminal 100.

The settlement processing apparatus 300 comprises a device for operating a settlement service in a financial institution such as a small payment server of a mobile communication company or a bank and stores user information of a consumer for settlement and stores user identification information such as a resident registration number, Checks the availability of the payment based on the credit status of the user, and provides the confirmation result to the payment relay device 200. [

The content providing apparatus 400 starts a payment page accessible to the user terminal 100 to the user terminal 100 and manages the payment page for selling the content.

Next, a main configuration of a user terminal according to an embodiment of the present invention will be described with reference to FIG.

2, the user terminal 100 includes an input unit 120, a payment page providing unit 140, a payment information processing unit 160, and an authentication information storage unit 180.

The input unit 120 generates a signal by a user's operation to generate a connection request signal on a payment page, or inputs user confirmation information such as a resident registration number.

The payment page providing unit 140 provides a specific payment page to the user through a shopping application or a web browser.

The payment information processing unit 160 may be included in an HTML document in the form of JavaScript, for example, and may be executed through a web browser. In another example, the payment information processing unit 160 may be a separate application. In this case, the payment information processing unit 160 may be provided through the payment relay apparatus 200.

The payment information processing unit 160 receives the payment information from the payment page, reads the authentication information stored in the authentication information storage unit 180, generates a payment approval request message including the authentication information, To the payment relay device 200 together with the payment information. The payment information includes a merchandise name, a product number, or a commodity price, and the authentication information includes an authentication code transmitted from the payment relay device 200 at the time of initial payment and a payment token key.

The authentication information storage unit 180 exists in the security area in the user terminal 100 and stores the authentication information.

The security domain referred to in the present invention is included in the user terminal 100 and may be included in, for example, a universal subscriber identity module (USIM).

The universal subscriber identity module (USIM) is a combination of a subscriber identity module (SIM) card with subscriber information and a universal IC card (UICC), which implements various functions such as user authentication, global roaming and electronic commerce will be. The USIM consists of a small CPU and memory. The CPU identifies the user with the encryption / decryption function, and the memory is used as storage space for additional services. That is, the security area may serve as a hardware security module (HSM).

HSM (Security Token) is a hardware device capable of safely storing and storing confidential information such as digital signature generation key and having a process and cryptographic computation device inside the device so that digital signature key generation, digital signature generation and verification can be performed.

Therefore, in one embodiment of the present invention, the secret information such as the digital signature generation key stored in the security domain (USIM) is not exposed or regenerated to the outside.

FIG. 3 is a block diagram illustrating a main configuration of a settlement relay apparatus 200 for performing a settlement simplification method according to an embodiment of the present invention.

3, the payment relay apparatus 200 for performing the settlement simplification method includes a settlement authentication unit 220, an authentication information generation unit 240, and a storage unit 260. As shown in FIG.

If the payment token key and the authentication code are received together with the payment information at the time of payment request, the payment authentication unit 220 extracts the user confirmation information from the payment token key and provides it to the payment processing apparatus 300 And confirms whether or not the payment is possible, and confirms whether or not the authentication code coincides with the pre-stored information to perform the payment approval process.

When the payment token key and the authentication code are not received at the time of payment request, the payment authentication unit 220 receives the user confirmation information from the user terminal (100 in FIG. 1), generates the payment token key, Transmits the generated authentication code to the user terminal, receives the authentication code from the user terminal, checks whether the transmitted authentication code matches the received authentication code, and if the authentication code is identical to the received authentication code, To the user terminal.

The authentication information generation unit 240 includes a payment token key generation module 242 for generating a payment token key, and an authentication code generation module 244 for generating an authentication code.

The payment token key generation module 242 encrypts user identification information such as a resident registration number and a user terminal number to generate a payment token key.

The authentication code generation module 244 generates a random number to generate an authentication code.

The storage unit 260 stores the generated authentication code.

FIG. 4 is a flowchart illustrating a settlement process by the settlement system according to an embodiment of the present invention.

The user terminal 100 accesses the payment page and checks whether the authentication information is stored before the payment request (S100, S110). The authentication information includes a token key for payment and an authentication code.

If the authentication information is stored in step S110, the user terminal 100 requests the payment relay device 200 for settlement authentication (S120). When a payment authentication request is made, an MDN ( Mobile Directory Number), payment information, or authentication information is transmitted. At this time, the authentication information includes a token key for payment and an authentication code. According to another embodiment of the present invention, the user terminal 100 may transmit the payment token key and the authentication code together to the payment relay apparatus 200, or may transmit the payment token key to the payment relay apparatus 200 first After that, the authentication code may receive the authentication code request from the payment relay apparatus 200 and transmit it.

According to another embodiment of the present invention, a payment authentication request requested from the user terminal 100 to the payment relay apparatus 200 may be performed via the content providing apparatus (400 of FIG. 1).

The payment relay device 200 extracts the user confirmation information and the user terminal number from the payment token key of the received authentication information and provides the extracted payment information to the payment processing device 300 to request confirmation of the payment possibility (S130, S140). According to an embodiment of the present invention, the user identification information is a resident registration number, and the user terminal number is a user terminal number.

The settlement processing apparatus 300 stores the resident registration number, the user terminal number, and the user credit information in advance. It checks whether the received resident registration number is matched with the user terminal number and the corresponding user credit information to determine whether payment is possible, And notifies the apparatus 200 (S150, S160).

If the settlement availability notification from the payment processing device 300 is acceptable, the payment relay device 200 transmits a signal requesting the authentication code to the user terminal to request the authentication code (S170).

The user terminal 100 having received the authentication code transmits the authentication code stored in the security area to the payment relay device 200 to request payment approval (S180).

The payment relay device 200 confirms the authentication code received from the user terminal 100 and confirms whether or not the authentication code matches the previously stored authentication code to perform the payment approval process (S190).

If the payment token key and the authentication code are transmitted together in step S120, steps S170 and S180 may be omitted.

Then, the settlement repeater 200 notifies the settlement details to the user terminal 100 (S200). In some cases, the payment relay device 200 may notify the content providing device 400 of the payment details.

The case where the authentication information is not stored in the step S110 of checking whether the authentication information is stored will be described below with reference to Fig.

If the authentication information is not stored in the user terminal 100, it corresponds to the first payment that has not been made through the user terminal 100 and the user confirmation information has been deleted.

The user terminal 100 receives the user confirmation information from the user through the UI provided in the payment page (S300).

The user terminal 100 transmits the received user confirmation information and the MDN (S310).

Upon receiving the user confirmation information, the payment relay device 200 performs steps S140 and S160 described in FIG. 4, and encrypts the user confirmation information and the user terminal number to generate and store a payment token key (S320 ).

Next, the payment relay device 200 generates a random number to generate and store an authentication code (S330).

The payment relay device 200 transmits the authentication code to the user terminal (S340). At this time, the payment relay device 200 may provide the authentication code in the form of an SMS message.

The user terminal 100 receives the authentication code and displays it so that the user can confirm it, and transmits the authentication code from the user to the payment relay device 200 at steps S350 and S360.

The payment relay device 200 confirms whether the transmitted authentication code matches the received authentication code (S370).

If the transmitted authentication code is identical to the received authentication code, the payment token key is transmitted to the user terminal 100 (S380).

The user terminal 100 stores an authentication code and a payment token key (S390).

6A to 6D are diagrams illustrating a screen for making an initial settlement in a user terminal according to an embodiment of the present invention.

First, a screen user of FIG. 6 (a) confirms a payment amount and selects a payment method in order to purchase a specific content.

As shown in Fig. 6 (a), the consent process for personal information collection and use may be performed only once at the first time.

Then, tapping the input area of the resident registration number, which is user confirmation information, a screen as shown in FIG. 6 (b) appears.

6 (b), the user inputs the resident registration number using the numeric keypad. If the 6 digits before the resident registration number is entered, the cursor moves automatically, and then the last 7 digits are input, and the screen as shown in (c) of FIG. 6 appears.

If the authentication number receiving area is tapped in (c) of FIG. 6, a pop-up window will display a message such as "Authentication number has been sent.

If the authentication number is transmitted within a predetermined time, the user operates the numeric keypad to input the authentication number, and then taps the payment area as shown in (d) of FIG. 6 to request payment to the payment relay device.

6, the settlement is completed by simply tapping the settlement area after selecting the settlement method as shown in FIG. 7 at the time of settlement, so that the process of inputting the resident registration number and the authentication code transmission / The mobile payment can be conveniently used by the user.

Meanwhile, the present invention can be implemented by a software program and recorded on a computer-readable recording medium.

For example, the recording medium may be a hard disk, a flash memory, a RAM, a ROM, or the like embedded in each reproduction apparatus, or an external optical disk such as a CD-R or a CD-RW, a compact flash card, a smart media, have.

The payment relay device receives the payment token key and the authentication code from the user terminal within a predetermined time at the time of requesting payment for a specific content from the user terminal, extracts the user confirmation information included in the payment token key A step of providing a payment confirmation request signal by providing user confirmation information and a user terminal number to a payment processing apparatus, receiving a payment confirmation confirmation notification from the payment processing apparatus, And a step of checking the code and the pre-stored authentication code to process the payment approval.

In addition, the program for the settlement simplification method may be provided in an application form. The application server stores and manages the settlement simplified application for simplifying the settlement in the database, and transmits the settlement simplified application to the client terminal when requested by the client terminal (user terminal). The client terminal downloads and installs the settlement simplified application and executes the settlement simplified application. When the client terminal accesses the payment page through a shopping application or a web browser, the client terminal automatically executes the payment simplification application, searches the authentication information at the time of settlement, and transmits the payment token key and the authentication code to participate in the settlement process.

A computer program (also known as a program, software, software application, script or code) may be written in any form of programming language, including compiled or interpreted language, a priori or procedural language, Components, subroutines, or other units suitable for use in a computer environment. A computer program does not necessarily correspond to a file in the file system. The program may be stored in a single file provided to the requested program, or in multiple interactive files (e.g., a file storing one or more modules, subprograms, or portions of code) (E.g., one or more scripts stored in a markup language document). A computer program can be deployed to run on multiple computers or on one computer, pointed to one site or distributed across multiple sites and interconnected by a communications network.

Computer-readable media suitable for storing computer program instructions and data include semiconductor memory devices such as, for example, EPROM, EEPROM, and flash memory devices, such as magnetic disks such as internal hard disks or external disks, And DVD-ROM disks, including non-volatile memory, media and memory devices. The processor and memory may be supplemented by, or incorporated in, special purpose logic circuits.

The functional operations and implementations described in the present specification may be embodied in digital electronic circuitry, computer software, firmware, or hardware, or a combination of any of the foregoing. The implementations described in the present disclosure may be implemented as one or more computer program products, that is, one or more modules associated with computer program instructions encoded on a program storage medium of the type for control of, or for execution by, Lt; / RTI >

Implementations of the subject matter described herein may include, for example, a back-end component such as a data server, or may include a middleware component, such as an application server, or may be a web browser or a graphical user, for example a user, who may interact with an implementation of the subject- Front-end components such as client computers with interfaces, or any combination of one or more of such back-end, middleware, or front-end components. The components of the system may be interconnected by any form or medium of digital data communication, such as, for example, a communications network.

While the drawings of the present invention depict operational processes, it should be understood that such operations should be performed in the order shown, in order to obtain the desired results, or that all depicted operations should be performed. In certain cases, multitasking and parallel processing may be advantageous.

Further, specific embodiments have been described in the specification of the present invention. Embodiments are within the scope of the following claims. For example, the operations described in the claims may be performed in a different order, still achieving desirable results.

The foregoing description is merely illustrative of the present invention, and various modifications may be made by those skilled in the art without departing from the spirit of the present invention. Accordingly, the embodiments disclosed in the specification of the present invention are not intended to limit the present invention. The scope of the present invention should be construed according to the following claims, and all the techniques within the scope of equivalents should be construed as being included in the scope of the present invention.

When payment is performed using a user terminal, the user confirmation information is input from the user only at the time of initial payment, and the authentication code and the payment token key are stored in the terminal through a predetermined procedure, By not inputting information, the mobile payment process is simplified from the user side to increase the convenience, so that the industry can be activated through mobile payment.

100: User terminal
140: Billing page offerer
160: Payment information processor
200: Payment relay device
220:
240: authentication information generating unit
300: Payment processing device
400: Content providing device

Claims (13)

A billing system for supporting purchase of contents of a user terminal,
Generates a payment token key by encrypting the user identification information and the user terminal number received from the user terminal, generates and stores an arbitrary authentication code, and stores the generated authentication code in a storage medium when the payment approval request message is received from the user terminal When the user confirmation information is not present, transmits the payment token key and the authentication code to the user terminal, and when a payment approval request message including the payment token key and the authentication code is received from the user terminal, Extracts the user identification information and the user terminal number by using the received token key for payment, and then provides the user identification information and the user terminal number to the payment processing apparatus to request confirmation of the payment possibility. When payment is confirmed from the payment processing apparatus, It is determined whether or not the stored authentication codes match with each other, Billing relay apparatus for performing; And
A settlement processing unit for receiving the user confirmation information and the user terminal number from the settlement relay apparatus, confirming user authentication and settlement availability, and transmitting the confirmed settlement availability to the settlement relay apparatus;
And the payment system. A billing page offer displaying a billing page;
An authentication information storage unit for storing a payment token key and an authentication code generated by the payment system; And
When the payment information input by the user is transmitted through the payment page providing unit, it is determined whether the payment token key and the authentication code are stored in the authentication information storage unit. If the payment token key and the authentication code are stored, A payment information processing unit for generating a payment approval request message including a key and an authentication code and transmitting the generated payment approval request message to the payment system;
Lt; / RTI > 3. The method of claim 2,
The payment information processing unit
If the payment token key and the authentication code are not stored in the authentication information storage unit, transmits the user confirmation information and the user terminal number to the payment system, and when the payment token key and the authentication code are received from the payment system And controls the payment token key and the authentication code to be stored in the authentication information storage unit. The method of claim 3,
Wherein the payment token key is generated by the payment system using the user identification information and the user terminal number. The method of claim 3,
Wherein the payment token key and the authentication code are stored in a security area of the authentication information storage unit. An authentication information generation unit for generating a payment token key that encrypts the user identification information and the user terminal number based on the user identification information and the user terminal number received from the user terminal and generating and storing an arbitrary authentication code; And
When receiving the payment approval request message including the payment token key and the authentication code from the user terminal, extracts the user confirmation information and the user terminal number from the payment token key and provides the user confirmation information and the user terminal number to the payment processing device And a settlement authentication unit for confirming whether or not the payment code is identical to the authentication code received from the user terminal and the authentication code generated through the authentication information generating unit,
And a payment relay device. The method according to claim 6,
The settlement authentication unit
When the user confirmation information and the user terminal number are received from the user terminal, transmits the authentication confirmation information and the user terminal number to the authentication information generation unit to generate a payment token key and an authentication code that encrypt the user identification information and the user terminal number, If the authentication code received from the user terminal is received by the user terminal and the authentication code received from the user terminal is identical to the authentication code generated through the authentication information generator, And transmits the payment token key generated through the payment unit to the user terminal. delete Confirming whether the payment token key and the authentication code transmitted from the payment system are stored when the user terminal inputs the payment information through the payment page;
Transmitting the payment approval request message including the payment token key and the authentication code to the payment system when the payment token key and the authentication code are stored as a result of the checking;
Extracting the user identification information and the user terminal number using the payment token key received from the user terminal and providing the extracted user identification information and the user terminal number to the payment processing apparatus of the payment system;
Confirming whether the user authentication and payment can be performed using the user confirmation information and the user terminal number received by the payment processing device, and notifying the payment relay device when payment is possible; And
Comparing the authentication code received from the user terminal with a previously stored authentication code corresponding to the user terminal if the payment relay device is notified of the payment from the payment processing device,
/ RTI > 10. The method of claim 9,
After confirming whether the payment token key and the authentication code are stored,
Transmitting the user confirmation information and the user terminal number input from the user to the payment relay device when the payment token key and the authentication code are not stored;
The payment relay device encrypts the user confirmation information and the user terminal number received from the user terminal to generate a payment token key and generate an arbitrary authentication code;
The payment relay device transmitting the generated authentication code to the user terminal;
Comparing the received authentication code with the generated authentication code to determine whether or not the authentication code matches the received authentication code, when the payment relay device receives the authentication code input by the user from the user terminal;
Transmitting the generated payment token key to the user terminal if the authentication code is matched; And
Wherein the user terminal stores the payment token key and the authentication code
The method further comprising: Displaying a payment page;
Determining whether the payment token key and the authentication code are stored when the payment information is inputted through the payment page;
If the payment token key and the authentication code are stored as a result of the determination, a payment approval request message including the payment token key and the authentication code is generated and transmitted to the payment system. Otherwise, Transmitting the payment token key and the authentication code from the payment system to the payment system;
The method comprising the steps of: A computer-readable recording medium recording a program for executing the method for streamlining a payment as set forth in any one of claims 9 to 11. delete

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