KR101871467B1

KR101871467B1 - Traditional market merchant's sale cash payment system and method

Info

Publication number: KR101871467B1
Application number: KR1020170050673A
Authority: KR
Inventors: 이연재
Original assignee: 이연재
Priority date: 2017-04-19
Filing date: 2017-04-19
Publication date: 2018-06-26

Abstract

A sale pay cash settlement system and method are disclosed.
The present invention has the effect of selling merchandise conveniently in the case of traders in traditional markets where a credit card terminal, a POS terminal or the like can not be installed by directly transferring money between a buyer and a seller at the time of purchasing the goods.

Description

{TRADITIONAL MARKET MERCHANT'S SALE CASH PAYMENT SYSTEM AND METHOD}

The present invention relates to a cash settlement system and method, and more particularly, to a cash settlement system and a cash settlement method, and more particularly to a cash settlement system and method, To the sale price cash payment system and method of a traditional market stall merchant.

The traditional market is a place where the traditional culture of the region and the emotions of the local residents are held. It serves various public functions such as the function of the center of the local community, and offers the opportunity to purchase the goods at a low price.

However, since the mid-1990s, with the advent of large retailers, there has been a problem of the limitation of the installation of credit card terminals due to the inadequacy of merchants 'merchants' merchants selling merchandise in traditional markets. There is a trend.

In order to increase the utilization rate of such a traditional market, Korean Patent Laid-Open Publication No. 10-2016-0144293 (published on Dec. 16, 2016) intends to improve the utilization rate of the traditional market by disclosing transaction methods and devices using real money.

However, this prior art has not solved the process of cash payment for selling money for the convenience of traders in the traditional market, and failed to solve the problem of the inadequacy of merchant merchant qualification of the traditional market traders.

Korean Patent Publication No. 10-2016-0144293 (published Dec. 16, 2016)

Accordingly, it is a first object of the present invention to solve the above problems, and it is an object of the present invention to improve the utilization rate of the traditional market by using the bank transfer through the bank even if the installation of the credit card terminal is difficult due to the non- , And to provide a cash payment system for sales money of a traditional market stall trader who can improve the convenience of the seller and the buyer by paying the commodity money through the account transfer.

Also, the second purpose is to improve the utilization rate of the traditional market by using the bank transfer through the bank even if the installation of the credit card terminal is difficult due to the inadequacy of the merchant terminal of the traditional market dong merchants, Thereby providing a cash payment method for the sales price of the traditional market stall trader who can improve the convenience of the seller and the buyer.

According to an aspect of the present invention, there is provided an information processing apparatus including an information storage unit for storing bank account identifier information of a seller, a user terminal for acquiring a bank account identifier information identifier of the seller from the information storage unit, An information acquiring unit for acquiring the bank account identifier information of the seller stored in the information storing unit by tagging the information storing unit; and a bank server for receiving the seller's bank account identifier information A display unit for outputting a screen for selecting either of a payment and a payment cancellation refund when the control unit executes the payment application, Generates an electrical signal according to Wherein the key includes an input unit and the control unit installs the payment application when the information acquisition unit tags the information storage unit when the user terminal does not install the payment application, And the bank account identifier information is virtual account information of the seller linked with the bank account information of the seller previously registered in the bank server.

The control unit controls the user terminal to transmit the payment amount and the bank account identifier information of the seller to the bank server when the input unit generates an electrical signal for selecting payment, When the payment amount and the bank account identifier information of the seller are received from the seller, the payment amount is reflected in the buyer's bank account, the payment amount is reflected in the seller's bank account, A cancellation refund processing section for generating a payment cancellation processing history in preparation for canceling the payment, and a transaction log section for generating a transaction log using the withdrawal ledger and the deposit ledger updated by the data processing section , And the electronic payment Ho can be said of the buyer's bank account, payment amount, including the identifier and password.

Wherein the control unit controls the user terminal to transmit a fee cancellation refund to the bank server when the input unit generates an electrical signal for selecting a cancellation refund, A cancellation refund processing unit for comparing the payment cancellation processing history generated by the cancellation refund processing unit and the money cancellation refund history to determine whether or not an abnormality has occurred and if it is determined that there is no abnormality as a result of the cancellation refund processing unit, And a transaction log unit for updating the transaction log using the payment settlement cancellation process history. The electronic signal for selecting the fee cancellation refund includes a transaction details to be refunded for the fee cancellation, Can contain the bank account identifier information and password of The.

According to another aspect of the present invention, there is provided a method for providing merchandise to a seller, the method comprising the steps of: acquiring bank account identifier information of the merchant by tagging an information storage unit in which a user terminal stores merchant bank account identifier information; When the user terminal obtains the bank account identifier information, the user terminal executes the payment application, and when the user terminal executes the payment application, the user terminal selects either the payment or the cancellation refund Wherein the step of causing the user terminal to execute the payment application when the user terminal acquires the bank account identifier information of the seller includes the step of, when the user terminal does not install the payment application In this case, Installing the payment application in the case of tagging the information storage unit and executing the payment application after the user terminal has installed the payment application, And the identifier information is virtual account information of the seller linked to the bank account information of the seller previously registered in the bank server.

When the user terminal executes the payment application, the step of outputting a screen for the user terminal to select either the payment or the payment cancellation refund may be performed when the user terminal generates an electrical signal for selecting the payment , The user terminal sending a payment amount and a seller's bank account identifier information to a bank server, receiving the payment amount and the seller's bank account identifier information from the user terminal, Reflecting the payment amount to the bank account of the purchaser, reflecting the payment amount to the bank account of the seller, the bank server calculating a payment amount of the buyer's bank account reflecting the payment amount, Using the bank account of A step of generating a payment cancellation processing history in preparation for canceling the payment by the bank server, and a step of generating a transaction log using the withdrawal ledger and the deposit ledger renewed by the bank server An electronic signal for selecting the payment may include the payment amount, the buyer's bank account identifier information, and a password.

The step of outputting a screen for the user terminal to select either the payment or the cancellation refund when the user terminal has executed the payment application is characterized in that the user terminal generates an electrical signal for selecting the cancellation refund Wherein the step of generating a transaction log using the withdrawal ledger and the deposit ledger renewed by the bank server comprises the steps of: Comparing the payment cancellation processing history generated in preparation for the cancellation with the money cancellation refund history to determine whether or not an abnormality has occurred, wherein the transaction log is updated using the withdrawal ledger and the deposit ledger renewed by the bank server, Wherein the step of generating includes the steps of: And the transaction log is updated using the account settlement cancellation process history generated by the bank server, wherein the electronic signal for selecting the account cancellation refund includes a transaction history for the refund of the fee cancellation, The refund amount, the bank account identifier information of the purchaser, and the password.

According to the cash payment system and method of the traditional market stalls merchant's cash payment system, even if the installation of the credit card terminal is difficult due to the merchant's lack of qualification of the traditional market stall merchant, the utilization of the account transfer through the bank can improve the utilization rate of the traditional market There is an effect that the convenience of the seller and the purchaser can be improved by paying the commodity price through the account transfer.

Brief Description of the Drawings Fig. 1 is a diagram showing a schematic configuration of a sales payment cash settlement system of a traditional market dweller merchant, which is an embodiment of the present invention.
2 is a diagram showing a schematic configuration of an information storage unit which is a constitution of the present invention.
3 is a diagram showing a schematic configuration of a user terminal, which is an embodiment of the present invention.
4 is a diagram showing a schematic configuration of a bank server which is an embodiment of the present invention.
5 is a diagram showing a schematic flow of a method of paying cash for sale by a trader of a traditional market stall merchant, which is an embodiment of the present invention.
FIG. 6 is a schematic flow chart of a method of paying cash for sale of a traditional market stall merchant, which is another embodiment of the present invention.
FIG. 7 is a schematic flow chart of a method of paying cash for sale by a trader of a traditional market stall merchant, which is another embodiment of the present invention.

It is to be understood that the words or words used in the present specification and claims are not to be construed in a conventional or dictionary sense and that the inventor can properly define the concept of a term in order to best describe the user's invention And should be construed in light of the meanings and concepts consistent with the technical idea of the present invention.

Throughout the specification, when an element is referred to as " comprising ", it means that it can include other elements as well, without excluding other elements unless specifically stated otherwise. In addition, the term " "... "," ... Unit, "" module, "" device, "and the like refer to a unit that processes at least one function or operation, which may be implemented as a combination of hardware and / or software.

The terms used in the embodiments of the present invention will be briefly described, and these embodiments will be described in detail.

Although the terms used in the embodiments of the present invention have been selected in consideration of the functions of the present invention, the present invention is not limited thereto and can be varied depending on the intention or the precedent of the artisan skilled in the art, . Also, in certain cases, some terms are arbitrarily selected by the applicant, and in this case, the meaning thereof will be described in detail in the description of the corresponding embodiments. Therefore, the terms used in the embodiments should be defined based on the meaning of the terms, not on the names of simple terms, and on the contents of the embodiments throughout.

In an embodiment of the present invention, terms including ordinal numbers such as first, second, etc. may be used to describe various elements, but the elements are not limited to these terms. The terms are used only for the purpose of distinguishing one component from another. For example, without departing from the scope of the present invention, the first component may be referred to as a second component, and similarly, the second component may also be referred to as a first component. And / or < / RTI > includes any combination of a plurality of related listed items or any of a plurality of related listed items.

Further, in the embodiments of the present invention, the singular expressions include plural expressions unless the context clearly indicates otherwise.

Furthermore, in the embodiments of the present invention, terms such as " comprises " or " having ", etc. are intended to specify the presence of stated features, integers, steps, operations, elements, parts, or combinations thereof, Steps, operations, elements, components, or combinations of elements, numbers, steps, operations, components, parts, or combinations thereof.

Also, in the embodiments of the present invention, 'module' or 'sub' performs at least one function or operation, and may be implemented in hardware or software, or a combination of hardware and software. In addition, a plurality of 'modules' or a plurality of 'parts' may be integrated into at least one module except for 'module' or 'module' which needs to be implemented by specific hardware, and may be implemented by at least one processor.

Further, in the embodiment of the present invention, when a part is referred to as being " connected " with another part, it is not limited to a case where it is " directly connected " And the like.

Further, in the embodiment of the present disclosure, " application " refers to a set of computer programs designed to perform a specific task. In the embodiments of the present disclosure, the application may vary. But are not limited to, a gaming application, a video playback application, a map application, a memo application, a calendar application, a phonebook application, a broadcast application, a motion support application, a payment application, and a photo folder application.

In the case of traditional market traders in the entire specification, it means a traditional market stall trader who can not install a credit card terminal due to a lack of merchant qualification.

Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings.

FIG. 1 is a view showing a schematic configuration of a cash settlement system for a seller of a traditional market, which is an embodiment of the present invention, and FIG. 2 is a diagram showing a schematic configuration of an information storage unit which is a constitution of the present invention.

Referring to FIG. 1, a sales cash settlement system of a traditional market trader includes an information storage unit 100, a user terminal 200, and a bank server 300.

More specifically, the information storage unit 100 stores the bank account identifier information of the seller.

The bank account identifier information of the seller stored in the information storage unit 100 may include virtual account information of the seller linked to the bank account information of the seller previously registered in the bank server 300. [

That is, the seller's bank account identifier information may include seller's virtual account information, dealer's personal details, seller's contact, bank name, bank branch name, and transaction serial number.

By utilizing the seller's virtual account information linked to the seller's bank account information, when a person other than the seller tags the information storage unit, the actual account number of the seller may not be exposed.

In addition, since the bank account identifier information of the seller includes the contact information of the seller, the process in which the transaction between the seller and the purchaser is performed can be transmitted to the contact information of the seller, thereby facilitating the process .

The information storage unit 100 is formed in a sticker shape, and an adhesive is applied to one surface of the information storage unit 100 to attach and detach the information storage unit 100 to a specific position.

That is, referring to FIG. 2, the adhesive application surface 120 is formed on one surface of the information storage unit 100, and the information storage unit 100 can be attached to a specific position using the adhesive application surface 120.

The other side of the information storage unit 100 may have a QR code or an NFC barcode.

That is, the TAG 110 may be formed on the other side of the information storage unit 100, and the TAG 110 may include a QR code or an NFC barcode.

The QR code or NFC barcode formed on the other side of the information storage unit 100 may store the bank account identifier information of the seller.

The user terminal 200 acquires the bank account identifier information of the seller from the information storage unit 100.

More specifically, the user terminal 200 may acquire the bank account identifier information of the seller stored in the information storage unit 100 by tagging the QR code or the NFC barcode formed on the other side of the information storage unit 100 .

And the bank server 300 may receive payment information from the user terminal 200. [

3 is a diagram showing a schematic configuration of a user terminal 200 which is an embodiment of the present invention.

3, the user terminal 200 may include an information obtaining unit 210, a control unit 220, a display unit 230, and an input unit 240.

More specifically, the user terminal 200 may be a mobile phone, a smart phone, a laptop computer, a digital broadcasting terminal, a personal digital assistant (PDA), a portable multimedia player (PMP), a navigation device, a slate PC ), Tablet PCs, ultrabooks, wearable devices (e.g., smartwatches, smart glass, HMDs (head mounted displays), etc.) .

The information obtaining unit 210 may obtain the bank account identifier information of the seller stored in the information storing unit 100 by tagging the information storing unit 100. [

If the information obtaining unit 210 obtains the bank account identifier information of the seller, the control unit 220 can execute the payment application.

When the user terminal 200 does not install the payment application, the control unit 220 installs the payment application in the case where the information acquisition unit 210 tags the information storage unit 100, A billing application can be executed.

In addition, the display unit 230 may display a screen for selecting either the payment or the payment cancellation refund when the control unit 220 executes the payment application.

When the control unit 220 executes the payment application, the display unit 230 may display a screen for selecting either one-day transaction history inquiry and passbook summary inquiry.

Also, the input unit 240 can generate an electrical signal according to the user's intention.

That is, the input unit 240 may include various input devices such as a touch input unit, a button, a voice input unit, a motion input unit, a keyboard, a mouse, and a touch screen coupled with the display unit 230 to receive a user command.

More specifically, when the input unit 240 generates an electrical signal for selecting payment, the control unit 220 transmits the payment amount and the bank account identifier information of the seller to the bank server 300 .

Here, the electrical signal for selecting the payment to be generated by the input unit 240 may include the payment amount, the buyer's bank account identifier information, and the password.

And the buyer's bank account identifier information throughout the specification may include the buyer's bank account information.

In addition, when the input unit 240 generates an electrical signal for selecting the cancellation refund, the control unit 220 can control the user terminal 200 to transmit the cancellation refund history to the bank server 300. [

Here, the electrical signal for selecting the cancellation refund generated by the input unit 240 includes transaction details to be refunded, including the cancellation refund amount, the buyer's bank account identifier information, and the password.

And throughout the specification, the merchant's bank account identifier information may be included in the transaction history for which the cancellation refund is to proceed.

In addition, when the input unit 240 generates an electrical signal for selecting a daily transaction history inquiry, the control unit 220 can control the user terminal 200 to transmit a daily transaction history inquiry to the bank server 300 have.

The control unit 220 may control the user terminal 200 to transmit the banknote sorting inquiry to the bank server 300 when the input unit 240 generates an electrical signal for selecting the banknote sorting inquiry.

The user terminal 200 may include a communication unit (not shown) for transmission / reception with the bank server 300.

The communication unit is configured to perform communication with various types of external devices according to various types of communication methods.

That is, the communication unit may include various communication chips such as a Wi-Fi chip, a Bluetooth chip, an NFC chip, a wireless communication chip, and the like. At this time, the Wi-Fi chip, the Bluetooth chip, and the NFC chip communicate with each other using the WiFi method, the Bluetooth method, and the NFC method. Among these, the NFC chip refers to a chip operating in an NFC (Near Field Communication) system using 13.56 MHz band among various RF-ID frequency bands such as 135 kHz, 13.56 MHz, 433 MHz, 860 to 960 MHz and 2.45 GHz. When a Wi-Fi chip or a Bluetooth chip is used, various connection information such as an SSID and a session key may be transmitted and received first, and communication information may be used to transmit and receive various information. The wireless communication chip refers to a chip that performs communication according to various communication standards such as IEEE, ZigBee, 3G (3rd Generation), 3rd Generation Partnership Project (3GPP), LTE (Long Term Evolution)

4 is a diagram showing a schematic configuration of a bank server 300, which is an embodiment of the present invention.

4, the bank server 300 may include a data processing unit 310, a cancellation refund processing unit 320, a transaction log unit 330, and an error detection unit 340.

More specifically, when the data processing unit 310 receives the payment amount from the user terminal 200 and the bank account identifier information of the seller, the data processing unit 310 may reflect the payment amount to the buyer's bank account.

In addition, when receiving the payment amount and the bank account identifier information of the seller from the user terminal 200, the data processing unit 310 may reflect the payment amount in the seller's bank account.

More specifically, the data processing unit 310 can read the seller's bank account identifier information received from the user terminal 200, and read the seller's virtual account information linked to the seller's bank account information.

The data processing unit 310 can confirm the seller's bank account through the seller's virtual account information.

Thereafter, the data processing unit 310 may reflect the payment amount to the bank account of the verified seller.

In addition, the data processing unit 310 may update the withdrawal ledger and the deposit ledger by reflecting the amount of the payment to the buyer's bank account and the seller's bank account.

The cancellation refund processing unit 320 can generate the payment cancellation processing history in preparation for canceling the payment.

In the entire specification, the payment cancellation processing history may include a money cancellation refund amount, a buyer's bank account identifier information, and a seller's bank account identifier information.

In addition, the cancellation refund processor 320 may compare the account settlement cancellation process history and the fee cancellation refund details created in preparation for the cancellation of the payment, to determine whether or not an abnormality has occurred.

The transaction log unit 330 can generate a transaction log using the withdrawal ledger and the deposit ledger updated by the data processing unit 310. [

The transaction log unit 330 can also update the transaction log using the account cancellation processing history generated by the cancellation refund processing unit 320 when it is determined as a result of the comparison by the cancellation refund processor 320 have.

The cancellation refund processor 320 compares the details of the payment cancellation processing with the details of the cancellation refund and transmits an abnormality occurrence to the administrator terminal of the previously registered bank server 300 in case of abnormality.

The above-mentioned abnormality may refer to the inconsistency between the payment cancellation processing history and the cancellation refund history.

The error detection unit 340 detects the withdrawal amount and the withdrawal amount in the transaction log generation and update process of the withdrawal ledger and the withdrawal ledger update process of the data processing unit 310, By comparing the deposit amount, it is possible to detect an error occurring in the settlement process.

Errors that occur during the settlement process mean that the withdrawal amount and the deposit amount are different.

If the error detection unit 340 detects an error in the settlement process, the error detection unit 340 can transmit an error occurrence to the administrator terminal of the bank server 300 that has been registered.

In addition, the error detection unit 340 can identify an error occurrence withdrawal and deposit transaction point, and can transmit an error occurrence withdrawal and deposit transaction point to the administrator terminal of the bank server 300 that has been registered.

Through the error detection unit 340, it is possible to easily check whether a mistake in the withdrawal and deposit amount discrepancy occurred during the settlement process of the bank server 300 occurred in which process and in which branch transaction, Can help you do your work.

In addition, when the bank server 300 receives the transaction history inquiry for one day from the user terminal 200, the bank server 300 can check the details of the deposit account of the bank account using the bank account identifier information included in the daily transaction history inquiry have.

Then, the bank server 300 can transmit the exiting deposit details of the corresponding bank account to the user terminal 200.

The user of the user terminal 200 can easily confirm the exit amount by confirming the exit amount of the output from the display unit 230 of the user terminal 200. [

In addition, when the bank account server 300 receives the passbook theorem inquiry from the user terminal 200, the bank account server 300 can confirm the account misappropriation expense details of the bank account using the bank account identifier information included in the passbook clearance inquiry.

Then, the bank server 300 may transmit the bank account unassisted bank account details of the corresponding bank account to the user terminal 200.

The user of the user terminal 200 can confirm the details of the bankbook unfixed outgoing deposit conveniently by checking the details of the bankbook unfixed outgoing and outgoing money outputted by the display unit 230 of the user terminal 200. [

5 is a diagram showing a schematic flow of a method of paying cash for sale by a trader of a traditional market stall merchant, which is an embodiment of the present invention.

5, the user terminal 200 may acquire the bank account identifier information of the seller by tagging the information storage unit 100 storing the bank account identifier information of the seller (S530)

Here, the bank account identifier information may include seller's virtual account information linked to the bank account information of the seller previously registered in the bank server 300.

When the user terminal 200 acquires the bank account identifier information of the seller, the user terminal 200 can execute the payment application (S531)

In addition, when the user terminal 200 does not install a payment application, a payment application can be installed when the user terminal 200 tags the information storage unit 100.

After the user terminal 200 installs the payment application, the user terminal 200 can execute the payment application.

In addition, when the user terminal 200 executes the payment application, the user terminal 200 may output a screen for selecting either the payment or the cancellation refund (S532)

When the user terminal 200 executes the payment application, the user terminal 200 can output a screen for selecting one of daily transactions history inquiry and account organizing inquiry.

In addition, when the user terminal 200 generates an electrical signal for selecting a daily transaction history inquiry, the user terminal 200 may send a daily transaction history inquiry to the bank server 300.

When the bank server 300 receives the daily transaction history inquiry from the user terminal 200, the bank server 300 can confirm the account details of the bank account using the bank account identifier information included in the daily transaction history inquiry .

Also, the bank server 300 may transmit the exiting deposit details of the corresponding bank account to the user terminal 200.

The user terminal 200 may output the deposit amount of the corresponding bank account received from the bank server 300. [

When the user terminal 200 generates an electrical signal for selecting passbook theorem, the user terminal 200 may transmit the passbook anonymity inquiry to the bank server 300.

The user terminal 200 can output the bank account unassisted bank account details of the corresponding bank account received from the bank server 300.

If the user terminal 200 generates an electrical signal for selecting payment, step S630 may be performed. Otherwise, step S534 may be performed (step S533)

In addition, if the user terminal 200 generates an electrical signal for selecting a cancellation refund, step S730 may be performed, otherwise it may be terminated.

FIG. 6 is a schematic flow chart of a method of paying cash for sale of a traditional market stall merchant, which is another embodiment of the present invention.

Referring to FIG. 6, when the user terminal 200 generates an electrical signal for selecting payment, the user terminal 200 can send the payment amount and the seller's bank account identifier information to the bank server 300 have. Then, the bank server 300 can receive the payment amount and the bank account identifier information of the seller from the user terminal 200 (S630)

Here, the electrical signal for selecting the payment may include the payment amount, the buyer's bank account identifier information, and the password.

The bank server 300 may reflect the payment amount to the buyer's bank account (S631)

And the bank server 300 may reflect the payment amount to the seller's bank account (S632)

More specifically, the bank server 300 can decode the seller's bank account identifier information received from the user terminal 200, and read the seller's virtual account information linked to the seller's bank account information.

The bank server 300 can confirm the seller's bank account through the seller's virtual account information.

Thereafter, the bank server 300 may reflect the payment amount to the bank account of the verified seller.

In addition, the bank server 300 may update the withdrawal ledger and the withdrawal ledger using the bank account of the seller reflecting the buyer's account and the amount of the payout reflecting the amount of the payment (S633)

In addition, the bank server 300 may generate a payment cancellation processing history in preparation for canceling the payment (S634)

In addition, the bank server 300 may generate the transaction log using the updated withdrawal ledger and deposit ledger (S635)

The bank server 300 can compare the withdrawal amount and the deposit amount in the withdrawal ledger, the deposit ledger renewal, the payment cancel cancellation process, and the transaction log creation process to detect an error occurring in the settlement process.

If the bank server 300 detects an error in the settlement process, the bank server 300 may transmit an error occurrence to the administrator terminal of the bank server 300 that has been registered.

In addition, the bank server 300 can confirm an error occurrence withdrawal and deposit transaction point, and can transmit an error occurrence withdrawal and deposit transaction point to the administrator terminal of the bank server 300 previously registered.

FIG. 7 is a schematic flow chart of a method of paying cash for sale by a trader of a traditional market stall merchant, which is another embodiment of the present invention.

Referring to FIG. 7, if the user terminal 200 generates an electrical signal for selecting a cancellation refund, the user terminal 200 may send the cancellation refund history to the bank server 300. Then, the bank server 300 can receive the money cancellation refund history from the user terminal 200 (S730)

The electrical signal for selecting the cancellation refund here includes the transaction details of the cancellation refund, which may include the cancellation refund amount, the buyer's bank account identifier information, and the password.

In step S731, the bank server 300 compares the account settlement cancellation history and the account cancellation refund history prepared for the case where the account settlement is canceled.

If the abnormality is not confirmed as a result of the comparison of the bank server 300, step S733 may be performed. If abnormality is detected, step S734 may be performed.

As a result of the comparison of the bank server 300, if the abnormality is not confirmed, the bank server 300 can update the transaction log using the generated payment transaction details (S733)

Then, the bank server 300 may compare the withdrawal amount and the deposit amount in the withdrawal ledger, the deposit ledger renewal process, the payment cancel cancellation process, and the transaction log renewal process to detect an error occurring in the settlement process.

If the abnormality is confirmed as a result of the comparison with the bank server 300, the abnormality can be transmitted to the administrator terminal of the previously registered bank server 300 (S734)

As described above, the structure and operation of the cash payment system and method of selling cash for traders in the traditional market according to the embodiment of the present invention can be performed. While the present invention has been described with respect to specific embodiments thereof, Without departing from the scope of the invention.

While the present invention has been particularly shown and described with reference to exemplary embodiments thereof, it is to be understood that the invention is not limited to the disclosed exemplary embodiments, and that various modifications and changes may be made by those skilled in the art.

It will be understood by those skilled in the art that various changes in form and details may be made therein without departing from the spirit and scope of the invention as defined by the appended claims. Therefore, disclosure methods should be considered from an illustrative point of view, not from a restrictive point of view. The scope of the present invention is defined by the appended claims rather than by the foregoing description, and all differences within the scope of equivalents thereof should be construed as being included in the present invention.

100: information storage unit 200: user terminal
210: information obtaining unit 220:
230: display part 240: input part
300: bank server 310: data processor
320: transaction log unit 330: cancellation refund processing unit
340: error detection unit

Claims

An information storage unit storing the bank account identifier information of the seller;
A user terminal for acquiring bank account identifier information of the seller from the information storage unit;
A bank server for receiving payment information from the user terminal;
, &Lt; / RTI &
The user terminal
An information obtaining unit for obtaining the bank account identifier information of the seller stored in the information storing unit by tagging the information storing unit;
A control unit for executing a payment application when the information acquisition unit has acquired the bank account identifier information of the seller;
A display unit for outputting a screen for selecting any one of a payment and a cancellation refund when the control unit executes the payment application;
An input unit for generating an electrical signal according to a user's intention;
, &Lt; / RTI &
The control unit
When the user terminal does not install the payment application,
Wherein the information acquiring unit tags the information storage unit, installs the payment application, executes the installed payment application,
When the input unit generates an electrical signal for selecting a payment,
Controlling the user terminal to transmit the payment amount and the bank account identifier information of the seller to the bank server,
When the input section generates an electrical signal for selecting a charge cancellation refund,
The user terminal controls the bank server to transmit the cancellation refund history,
The bank server
When receiving the payment amount and the bank account identifier information of the seller from the user terminal, reflects the payment amount in the bank account of the buyer, reflects the payment amount in the bank account of the seller, And a data processing unit for updating the depositing ledger;
A payment settlement cancellation process is generated in case the payment settlement is canceled, and a payment settlement cancellation process generated in preparation for canceling the payment is compared with the fee cancellation refund details to determine whether an error has occurred A cancellation refund processing unit for comparing an account settlement cancellation processing history and a cancellation cancellation refund history and transmitting an abnormality occurrence to an administrator terminal of a previously registered bank server when abnormality is found;
Wherein the transaction log is generated using the withdrawal ledger and the deposit ledger updated by the data processing unit, and when the comparison result of the cancellation refund processing unit indicates that there is no abnormality, the cancellation refund processing unit A transaction log part for updating a transaction log
A payment transaction cancellation processing unit of the data processing unit, a payment cancellation processing unit of the cancellation refund processing unit, and a transaction log generating and updating unit of the transaction log unit, and detects an error occurring in the settlement process An error detection unit for transmitting an error occurrence withdrawal and deposit transaction point to an administrator terminal of a previously registered bank server when an error is detected in the settlement process;
/ RTI >
The bank account identifier information
And virtual account information of the merchant linked to the bank account information of the seller previously registered in the bank server,
The electrical signal for selecting the payment is
The payment amount, the buyer's bank account identifier information, and the password,
An electrical signal to select the refund
A cash payment system including transaction details to be refunded for the cash withdrawal, the refund amount, the bank account identifier information of the purchaser, and a password.

Obtaining the bank account identifier information of the seller by tagging an information storage unit in which the user terminal stores the bank account identifier information of the seller;
When the user terminal obtains the bank account identifier information of the seller, the user terminal executes the payment application; and
Outputting a screen for the user terminal to select either the payment or the cancellation refund when the user terminal has executed the payment application;
, &Lt; / RTI &
Wherein when the user terminal obtains bank account identifier information of the merchant, the step of the user terminal executing the payment application
Installing the billing application when the user terminal tags the information storage unit when the user terminal does not install the billing application;
Executing the payment application after the user terminal establishes the payment application;
Lt; / RTI >
The step of outputting a screen for the user terminal to select either the payment or the cancellation refund when the user terminal has executed the payment application
When the user terminal generates an electrical signal for selecting payment, the user terminal transmits the payment amount and the bank account identifier information of the seller to the bank server;
Receiving from the user terminal the payment amount and the bank account identifier information of the seller;
The bank server reflecting the payment amount to the buyer's bank account;
The bank server reflecting the payment amount to the bank account of the seller;
Updating the withdrawal ledger and the deposit ledger using the bank account of the purchaser and the bank account of the seller reflecting the payment amount;
Generating a payment cancellation processing history in preparation for canceling the payment by the bank server;
Generating a transaction log using the withdrawal ledger and the deposit ledger updated by the bank server;
When the user terminal generates an electrical signal for selecting a cancellation refund, the user terminal transmits a cancellation refund history to the bank server;
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The step of generating a transaction log using the withdrawal ledger and the deposit ledger updated by the bank server
Determining whether an abnormality has occurred by comparing the account settlement cancellation processing history generated in preparation for the case where the money settlement is canceled by the bank server and the account cancellation refund details;
Updating the transaction log using the account settlement cancellation process history generated by the bank server when it is determined that there is no abnormality as a result of the comparison by the bank server;
Comparing the account settlement cancellation process history and the account cancellation refund history as a result of the comparison by the bank server, and when the abnormality is found, transmitting the abnormality occurrence to the administrator terminal of the bank server that has previously registered the bank account;
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Wherein the step of updating the transaction log using the account settlement cancellation process generated by the bank server when the bank server confirms that no abnormality has occurred
Comparing the withdrawal amount and the deposit amount in the withdrawal ledger, the deposit ledger renewal history, the payment cancellation processing history, and the transaction log generation step, and detecting an error occurring in the settlement process;
When the bank server detects an error in the settlement process, the bank server transmits an error occurrence withdrawal and deposit transaction point to an administrator terminal of the bank server that has been registered in advance;
The bank account identifier information
And the seller's virtual account information linked with the bank account information of the seller previously registered in the bank server,
The electrical signal for selecting the payment is
The payment amount, the buyer's bank account identifier information, and the password,
An electrical signal to select the refund
And the transaction details to be processed for the refund of the money cancellation, the money cancellation refund amount, the bank account identifier information of the purchaser, and the password.

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