Abstract: A transaction processing system using product-specific purchaser group information is disclosed. The transaction processing system using product-specific purchaser group information includes: a purchase data acquisition unit for collecting purchase data of a purchaser; a product-specific purchaser information classification and integration unit generating product-specific purchaser group information by classifying and integrating product-specific purchaser information by means of the purchase data; a demand prediction unit for predicting a demand for a product corresponding to the product-specific purchaser group information; and a deal making and proposing unit for making a deal with a seller by means of the predicted demand information, and proposing a purchase in accordance with same.

Abstract: The present disclosure relates to a server and a method for providing a product recommendation service by using purchased item information. The server for providing a product recommendation service by using purchased item information according to the present disclosure comprises: an input unit for collecting purchase information for each user; a memory in which a program for generating recommended product information for a target customer by using the purchase information for each user is stored; and a processor for executing the program, wherein the processor inquires about other customers with a purchase propensity similar to that of the target customer, and generates recommended product information to be recommended to the target customer in consideration of purchased items of other customers.

Abstract: According to one aspect of the present invention for accomplishing the aforementioned purpose, a mobile authentication method performed by a portable user device comprises the steps of extracting a telephone number of the portable user device, transmitting member information including the telephone number to an authentication server, receiving a user authentication number using the member information from the authentication server, extracting unique user identifiers (UUID) of an application (app) installed in the portable user device, and transmitting the extracted UUID of the app and the received user authentication number to a service server.

Abstract: A payment system for an occurring cost that is related to vehicle driving, and a method therefor are disclosed. A vehicle-driving-related payment server includes an input unit for receiving vehicle recognition information; memory having stored therein a program for processing payment for a cost related to vehicle driving, according to the vehicle recognition information; and a processor for running the program, wherein the processor transmits payment push for the cost related to vehicle driving, confirms whether an application is installed on a valid mobile terminal, and processes a payment process for the cost related to vehicle driving.

Abstract: Provided is a smart shopping method using a user terminal. Use information of various benefit means available to a user may be previously checked, set, and stored, and when making a payment, a transaction serial number may be presented to an affiliated store terminal, thereby enabling all benefit means to be easily applied. Also, since a payment serial number is presented along with a transaction serial number, a mobile payment to which a benefit means is applied may be performed by presenting only a user terminal, thereby enabling a user of the user terminal to shop quickly and conveniently.

Abstract: Disclosed are a complex payment system using a portable terminal, and a complex payment method. According to the present invention, a portable terminal such as a smartphone or a vendor server may analyze and display an optimum payment condition containing a minimum payment amount using bonus information such as card information, discount information, membership point information, or coupon information when a user pays, thus preventing personal information leakage and enabling the user to pay a minimum amount by means of his/her credit card using the bonus information.

Abstract: The present disclosure relates to a payment service system. The payment service system may include a service offerer terminal configured to transmit payment target information through a wireless communication method; a user terminal configured to receive the payment target information and transmit a payment request; and a service provider server configured to transfer an approval result for the payment request by performing communication with a financial corporation server.

Abstract: The present invention relates to providing a financial transaction and, more particularly, to a system and method for proceeding with a financial transaction in a financial terminal such as an automated teller machine (ATM) using an approval number resulting from pre-approval. The present invention is directed to providing a system and method for proceeding with a financial transaction, such as a cash withdrawal or a purchase of a gift certificate, by obtaining transaction approval in advance with a portable terminal through communication with a financial institution server or the like and then transferring only a result of the transaction approval to an ATM or the like.

Abstract: A seller calculator and a payment system including the seller calculator are disclosed. The seller calculator includes an input unit for receiving numeric data and operation commands for calculating payment amount information; a processor for calculating the payment amount information; and a communicator for transmitting the payment amount information and seller-side identification information. The payment system includes the seller calculator for transmitting the payment amount information and the seller-side identification information; and a purchaser device for receiving the payment amount information and the seller-side identification information to perform mobile payment.

Abstract: Provided are a settlement server and methods for performing member store payment settlement and account management. The settlement server includes a receiver configured to receive deposit information and payment information to be sent to a service provider account according to payment approval, a memory in which a program for performing member store payment settlement using the deposit information and payment information is stored, and a processor configured to execute the program in which the processor performs balance adjustment between service provider accounts for each bank.

Abstract: A mobile payment is provided. A mobile payment method includes the steps of: receiving a payment request from a merchant terminal; determining whether a merchant, which has transmitted the payment request, has an affiliated application; determining, by means of preset priorities, an application having a top priority among a plurality of payment applications according to the determination result; and transmitting, to a user's mobile terminal, a push command for executing the application determined to have the top priority.

Abstract: Provided is a mobile payment processing system and method. When making a payment request, an affiliated store terminal directly generates transaction identification (T-ID) information and provides the generated T-ID information to a mobile terminal, and a user of the mobile terminal can use a rapid mobile payment service since the payment can be processed without waiting a response signal of a payment processing server receiving a payment request signal. Further, since user datagram protocol (UDP) communication is performed between the affiliated store terminal and a payment processing result notification server while a mobile payment is performed, the payment processing result notification server and the affiliated store terminal are provided so as to directly inquire a transaction state in the affiliated store terminal when the payment is completed by the mobile terminal.

Abstract: To achieve the above-mentioned objective, an automated teller machine service system according to one aspect of the present disclosure includes an automated teller machine (ATM) including a near-field communication (NFC) tag, a mobile terminal including a NFC chip and an input/output device for processing a deposit or withdrawal, and a server configured to receive transaction information for processing the deposit or withdrawal from the mobile terminal and, in a case in which the transaction information is identical to previously-saved information as a result of comparing the two pieces of information, transmit deposit/withdrawal authorization information to the ATM, wherein, when the NFC chip is brought into contact with the NFC tag, the ATM transmits a deposit/withdrawal application running command to the mobile terminal, and the mobile terminal receives the command and then runs the application to transmit the transaction information to the ATM or the server.

Abstract: The present invention relates to a system and method for providing a payment service of a two-channel authentication method utilizing a card reader infrastructure and a portable user terminal. The system for providing a payment service according to an aspect of the present invention includes an affiliate POS terminal configured to receive MIN card information and generate and transmit a transaction approval request signal, and a server configured to receive the transaction approval request signal, transmit a transaction authentication request signal to a portable user terminal, and transmit approval request information to a financial institution server when transaction authentication is completed from an input signal of the portable user terminal.

Abstract: A mobile payment is provided. A mobile payment method includes the steps of: receiving a payment request from a merchant terminal; determining whether a merchant, which has transmitted the payment request, has an affiliated application; determining, by means of preset priorities, an application having a top priority among a plurality of payment applications according to the determination result; and transmitting, to a user's mobile terminal, a push command for executing the application determined to have the top priority.

Abstract: A server for identity authentication includes a variable keypad generating unit for generating a variable keypad including encryption keys and a signature input part which receives an input of the signature of a user, wherein the position of each of the encryption keys is changed every time the encryption keys are generated; an authentication information saving unit for saving authentication information of a user of a mobile terminal; and an authentication unit for receiving, from the mobile terminal, position information of the encryption keys according to the order inputted by the user, and signature information inputted by the user on the signature input part, and using same to authenticate identity.

Abstract: The present invention relates to a user authentication server which mixedly uses both a password and biometric information. The user authentication server comprise: a variable keypad generation unit for generating a variable keypad including password keys and a biometric authentication key, wherein the position of each password key and the position of the biometric authentication key are changed in each generation of the keypad; an authentication information storage unit for storing authentication information of portable terminal users; and an authentication unit for authenticating a user by remotely providing information of generated variable keypad to a portable terminal, and comparing biometric information and information of the positions of the password keys in accordance with the order of input by the user, received from the portable terminal, with the authentication information stored in the authentication information storage unit.