Method of registering a membership for an electronic payment, system for same, and apparatus and terminal thereof

Abstract

A method of registering a membership for an electronic payment, a system for same, and an apparatus and a terminal thereof is provided. The apparatus may include: a payment method receiver configured to receive, from a terminal, payment method information; an one-time password (OTP) authentication key generator configured to generate an OTP authentication key using an external device based on the payment method information; a payment method registry configured to register the payment method information and transmit, to the terminal, the OTP authentication key; and a controller configured to control the payment method information to be inquired or changed in response to a request form the terminal.

What is claimed is: 
     
         1 . A payment method registration apparatus comprising:
 a payment method receiver configured to receive, from a terminal, payment method information;   an one-time password (OTP) authentication key generator configured to generate an OTP authentication key using an external device based on the payment method information;   a payment method registry configured to register the payment method information and to transmit, to the terminal, the OTP authentication key; and   a controller configured to control the payment method information to be inquired or changed in response to a request from the terminal.   
     
     
         2 . The payment method registration apparatus of  claim 1 , wherein the apparatus further comprises:
 a payment company requestor configured to:
 inquire payment company information depending on the payment method information; and 
 when a payment method included in the payment method information is credit card information, transmit, to the terminal, card company information corresponding to the inquired payment company information. 
   
     
     
         3 . The payment method registration apparatus of  claim 2 , wherein the apparatus further comprises:
 a validity identifier configured to authenticate the validity of payment method authentication information received from the terminal using a card company apparatus corresponding to the card company information.   
     
     
         4 . The payment method registration apparatus of  claim 2 , wherein the OTP authentication key generator is configured to generate the OTP authentication key for the validated information using a card company OTP providing apparatus connected to the card company apparatus. 
     
     
         5 . The payment method registration apparatus of  claim 1 , wherein the apparatus further comprises:
 the payment company requestor configured to:
 inquire payment company information depending on the payment method information; and 
 when the payment method included in the payment method information is phone bill information, transmit, to the terminal, phone bill registration request information corresponding to the inquired payment company information. 
   
     
     
         6 . The payment method registration apparatus of  claim 5 , wherein the phone bill registration information comprises at least one of phone number information or ID information of the electronic payment application installed in the terminal. 
     
     
         7 . The payment method registration apparatus of  claim 1 , wherein, when inquiry request information for the payment method information is received from the terminal, the controller is configured to transmit, to the terminal, transaction history identification information inquired through a payment mobile web server or a PG web server. 
     
     
         8 . A payment method registration method comprising:
 receiving, with a payment method receiver of a payment method registration apparatus, payment method information from a terminal;   generating, with an one-time password (OTP) authentication key generator of the payment method registration apparatus, an OTP authentication key using an external device based on the payment method information;   registering, with a payment method registry of the payment method registration apparatus, the payment method information and transmitting the OTP authentication key to the terminal; and   controlling, with a controller of the payment method registration apparatus, the payment method information to be inquired or changed in response to a request from the terminal.