KR20070026939A - System and method of the integrated payment for milage points, electronic cash, electronic gift-certificates, pre-paid cards, debit cards and other credit cards by using one card number - Google Patents

Abstract

A system and a method for integrating mileage point, e-money, an electronic gift certificate, a prepaid card, a debit card and other credit cards by using one card number are provided to automatically settle a price with payment tools, which are registered by using the card number, according to predetermined order, and automatically accumulate the mileage point generated from transaction to a mileage point account. An account information database(250) stores account information of the mileage point, the e-money, the electronic gift certificate, the prepaid card, the debit card and other credit cards linked with the card number. An account information inquiring module(220) extracts the account information stored in the database based on the card number inputted from a card settlement terminal. A balance inquiring module(230) extracts available balance of an account by connecting to an approval server of each account. An approval requesting module(240) requests a settlement approval to each approval server by determining a payable amount of each account according to the predetermined order after comparing the balance of each account with the settlement price inputted from the card settlement terminal.

Description

System and Method of the Integrated Payment for Milage Points, Electronic cash, Electronic gift-certificates, Mileage Points, Electronic Money, Electronic Gift Certificates, Prepaid Cards, Debit Cards and Other Credit Cards Pre-paid cards, Debit cards and Other credit cards by using One Card Number}

1 is an overall system configuration according to a preferred embodiment of the present invention,

2 is a detailed configuration diagram of the relay server of FIG. 1;

3 is a flowchart illustrating a process in which integrated payment of mileage points, electronic money, electronic vouchers, prepaid cards, debit cards and other credit cards is performed using one card number according to a preferred embodiment of the present invention.

<Description of Main Reference Signs in FIG.>

100: card payment terminal 200: relay server

300: Approved Server 210: Server Engine

220: account information inquiry module 230: balance inquiry module

240: approval request module 250: transmission and reception module

260: Account Information DB

The present invention is registered in association with the card number by using one card number, such as a credit card, a prepaid card or a debit card, recorded on an IC chip inside a mobile phone that supports a magnetic stripe card, a contactless smart card, or short-range wireless communication. The present invention relates to a system and method for integrating payments of various mileage points, electronic money, electronic gift certificates, prepaid cards, debit cards, and other credit cards.

The mileage points include bonus points earned as gratuitous benefits according to the customer's transaction results in department stores, large retail stores, family restaurants, telecommunications companies, securities companies, insurance companies, credit card companies, gas stations, airlines, Internet sites, and the like.

Since electronic money and electronic gift certificates are mainly issued in an online environment such as the Internet and used as a payment method, they are also called cyber money including the mileage point. Cyber money is issued or created in digital form by using a part of the purchase price at the cost of the e-commerce to the customer, or by paying with real cash or credit card.

In general, mileage points, electronic money, electronic gift certificates, prepaid cards, debit cards and credit cards are payment methods that are managed online through user accounts. However, since these online payment methods are very diverse and mutual payments cannot be made between each payment method, it is necessary to use only a predetermined payment method for which payment settlement contracts are signed in advance for each merchant online or offline. There is a problem.

In addition, the mileage points, electronic money, e-money vouchers, such as cyber money is used only as a payment method in a limited number of online shopping malls online, the penetration rate is very low as a payment method in offline merchants. The reason is that if you want to use cyber money for offline payment, you can issue a physical card such as a separate magnetic stripe card, or invest huge business expenses to attract offline merchants and attract credit card inquiry terminals of attracted merchants. This is because additional devices such as software or barcode scanners need to be added to the POS terminal.

In order to solve this problem, Korean Patent Publication No. 2003-45219 discloses an invention that reduces credit card charges by integrating cyber money. According to the present invention, the cyber money for each company is integrated into one, and the invention relates to a claim for deducting the amount of the cyber money when a credit card is used.

However, if each cyber money is managed as a single integrated point in advance, the business characteristics of each cyber money issuer will be lost, or the amount of cyber money to be deducted from the credit card usage fee will be determined by the customer accessing a specific site every month. The hassle and inconvenience of having to register.

Therefore, while maintaining each cyber money, the user selects the cyber money, prepaid card, debit card and / or other credit card and registers the integrated payment site only once in association with the card number. Whenever you make a payment with a card with a card number recorded on an IC chip inside a magnetic stripe card, a contactless smart card, or a mobile phone supporting short-range wireless communication, the current balance of the registered cyber money is automatically searched for. When requesting the amount of the credit card so that it can be used as a debit the amount of cyber money, prepaid card, debit card or other credit card applied to the payment is desperately requested. By doing so, each mileage point, electronic money, electronic voucher, prepaid card, debit card and other credit card issuers registered in connection with the card number do not need to attract online or offline merchants to enter into payment settlement contracts. Without the need for additional software or additional devices such as barcode scanners, the existing card merchant infrastructure can be used as a payment merchant.

The present invention has been made to solve the above-mentioned problems, a number of different mileage points, electronic money, electronic gift certificates, prepaid card, debit card and one card number and each mileage between other credit card authorization server and card payment terminal It has a relay server that connects the account information of points, electronic money, electronic gift certificates, prepaid cards, debit cards and other credit cards, and is registered in connection with this card number when paying with the corresponding card at the card payment terminal. Mileage points, electronic money, electronic gift certificates, prepaid cards, debit cards, and other credit cards are automatically used for payment according to a predetermined priority, and the mileage points generated by this transaction are applied to the corresponding mileage point account. It is an object of the present invention to provide an integrated payment system and method for automatically accumulating.

Other objects and advantages of the invention will be described below and will be appreciated by the practice of the invention. In addition, the objects and advantages of the present invention can be realized by means and combinations indicated in the claims.

In order to achieve the above object, the integrated payment method according to the present invention is a mileage point, an electronic money, an electronic gift certificate, a prepaid card, a debit card and another credit card using an integrated payment method. stripe) A card, a radio frequency smart card, or a card number recorded on an internal IC chip and relayed from a card payment terminal in response to a card payment activity in a card payment terminal using a mobile phone supporting near field communication. The server receives the card number and payment amount, and extracts the account information of each mileage point, electronic money, electronic gift certificate, prepaid card, debit card and other credit card registered in association with the corresponding card number in the relay server. Connecting to the approval server for each account to search the balance currently payable, each relay server Comparing the current balance of the left and the payment amount to determine the payment amount for each account according to a predetermined priority, the relay server connected to the authorization server for each account requesting payment approval of the determined payment amount Step, the approval server for each account approves the payment by reducing the balance corresponding to the payment amount, and if there are mileage points generated by this transaction automatically accumulate in the corresponding mileage point account and the relay server from each account authorization server And receiving the payment approval result and processing the result of the payment approval to the card issuer and the card payment terminal corresponding to the card number. In addition, the card issuer receiving the payment approval result from the relay server executes a post settlement with the approval server for each account based on the payment data collected for a certain period of time.

In addition, the present invention is an integrated payment system associated with one card number, a plurality of authorization servers and cards for managing the different various mileage points, electronic money, electronic gift certificates, prepaid cards, debit cards and other credit cards online It includes a relay server for connecting a payment terminal and the plurality of authorization servers, wherein the relay server stores mileage points, electronic money, electronic gift certificates, prepaid cards, debit cards and other credit card account information in association with a specific card number Account information inquiry means for extracting the account information of each mileage point, electronic money, electronic gift certificate, prepaid card, debit card and other credit card registered in connection with the DB based on the card number input from the DB, card payment terminal, Balance inquiry means for extracting the currently payable balance by accessing the approval server for each account, and the current balance of each account Approval requesting means for comparing the payment amount input from the card payment terminal to determine the amount of payment for each account according to a predetermined priority, and requesting the approval server for payment of each account and approval for each account. Receiving a payment approval result from the server, and process it by combining the card issuer corresponding to the card number and transmitting and receiving means for transmitting to the card payment terminal.

The following merely illustrates the principles of the invention. Therefore, those skilled in the art, although not explicitly described or illustrated herein, can embody the principles of the present invention and invent various devices that fall within the spirit and scope of the present invention. Moreover, all conditional terms and embodiments listed herein are in principle clearly intended for the purpose of understanding the concept of the invention and are not to be limited to the embodiments and states so specifically listed. Should be. In addition, it is to be understood that all detailed descriptions, including the principles, aspects, and embodiments of the present invention, as well as listing specific embodiments, are intended to include structural and functional equivalents of these matters. In addition, these equivalents should be understood to include not only equivalents now known, but also equivalents to be developed in the future, that is, all devices invented to perform the same function regardless of structure.

Thus, for example, the block diagrams herein should be understood to represent a conceptual view of example circuitry embodying the principles of the invention. Similarly, all flowcharts, state transitions, pseudocodes, etc., are to be understood as representing various processes performed by the computer or processor, whether or not the computer can be substantially represented on a readable medium and whether the computer or processor is clearly shown. do.

The above objects, features and advantages will become more apparent from the following detailed description taken in conjunction with the accompanying drawings. First, in adding reference numerals to the components of each drawing, it should be noted that the same components as much as possible even if displayed on different drawings. In addition, in describing the present invention, when it is determined that the detailed description of the related known technology may unnecessarily obscure the subject matter of the present invention, the detailed description thereof will be omitted. Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings.

1 is an overall system configuration according to a preferred embodiment of the present invention. Referring to the drawings, the card payment terminal 100 is connected to the relay server 200 through a value-added network (VAN), the relay server 200 is a number of mileage points, electronic money, electronic gift certificates, prepaid card, debit card And other credit card authorization server 300 is connected via a dedicated line or the Internet.

A mobile device that supports short-range wireless communication, in which a magnetic stripe card, a contactless smart card, or a card number is recorded on an internal IC chip as a payment method for a product or service provided by an online or offline merchant by a credit card, prepaid card, or debit card holder. When the card is used by using a telephone or the like, the card number and the payment amount are transmitted to the relay server 200 through the card payment terminal 100. The relay server 200 extracts mileage points, electronic money, electronic gift certificates, prepaid cards, debit cards, and other credit card account information registered in association with the card number, and advances to the currently payable balance accumulated for each account. All or part of the card payment amount will be replaced according to the priority set in.

If the card payment terminal 100 is an offline merchant, the normal terminal provided in the general credit card merchant is provided with a firmware that provides an interface for performing a predetermined procedure by connecting to the relay server 200 according to the present invention. .

Also, the card payment terminal 100 may be a server of a user PC and an internet shopping mall in an online shopping mall environment of an internet environment.

The relay server 200 is a server computer that connects various mileage points, electronic money, electronic gift certificates, prepaid cards, debit cards, and other credit card authorization servers 300 and the card payment terminal 100.

The relay server 200 is a high-capacity computer system including a central processing unit, RAM, ROM, terminal interface, data storage device, and the like, and a conventional personal computer or workstation having a considerable amount of memory and processing power. Can be used as a server computer.

In addition, the relay server 200 can perform a large amount of work by executing a considerable amount of mathematical calculations in information processing or database search. Microprocessors manufactured by Intel may be used as the central processing unit.

The authorization server 300 is a server for mileage points, electronic money, electronic gift certificates, prepaid cards, debit cards and / or other credit card issuers, and approves payments for the corresponding accounts, accumulates the balance, and manages the server computer. to be.

2 is a detailed configuration diagram of the relay server of FIG. 1. Referring to the drawings, the relay server 200 is a server engine 210, account information inquiry module 220, balance inquiry module 230, approval request module 240, transmission and reception module 250 and the account information DB (260) ).

The server engine 210 provides various interfaces for completing the payment request approval response to the card payment terminal 100 to access, and provides a platform for a server-side program such as the above modules.

The account information inquiry module 220 is based on the card number entered from the card payment terminal 100, each mileage point, electronic money, electronic gift certificate, prepaid card, debit card and other registered in association with the account information DB 260 This program extracts credit card account information.

The balance inquiry module 230 is a program for accessing the account-specific approval server 300 and extracting the currently payable balance of the account.

The approval request module 240 compares the current balance of each account with the payment amount input from the card payment terminal 100 to determine the amount of payment for each account according to a predetermined priority and then the approval server for each account ( Is a program requesting approval of payment.

Transmitting and receiving module 250 receives the card number and the payment amount from the card payment terminal 100, receives the authorization result sent from the approval server 300, and processes the synthesized by synthesizing it and the card issuer corresponding to the card number and the It is a program for transmitting to the card payment terminal (100). The transmission / reception module 250 is an input / output program that receives a card number and a payment amount from the card payment terminal 100 and outputs a payment approval result from the relay server 200.

The account information DB 260 is a database for storing mileage points, electronic money, electronic gift certificates, prepaid cards, debit cards and other credit card account information associated with the card number.

The interaction process between each module will be described later.

3 is a flowchart illustrating a process of integrated payment of mileage points, electronic money, electronic gift certificates, prepaid cards, debit cards and other credit cards associated with one card number according to a preferred embodiment of the present invention.

In order to replace the corresponding card payment amount according to the present invention with the mileage point, electronic money, electronic gift certificate, prepaid card, debit card and / or other credit card associated with the card number associated with the card number in the relay server 200 Each mileage point, electronic money, electronic gift certificate, prepaid card, debit card and other credit card account information must be available. Therefore, the cardholder according to the present invention should subscribe as a member to the relay server 200 through the Internet website.

Since the membership registration process through the website is well known in the art, a detailed description thereof will be omitted.

The information registered in the relay server 200 through the membership registration process is a card number and mileage points, electronic money, electronic gift certificates, prepaid cards, debit cards, and other credit card account information desired to be associated with them. If it is difficult to identify the authorization server 300 that issued the mileage point, electronic money, electronic gift certificate, prepaid card, debit card and other credit card only by account information, the authorization server identifier for identifying the authorization server 300 is Can be added.

The relay server 200 registers and stores various mileage points, electronic money, electronic gift certificates, prepaid cards, debit cards and other credit card account information associated with the card number in the account information DB 260.

Since the information registered in the account information DB 260 may be abused when exposed to a third party, the relay server 200 may require a firewall to protect the information.

FIG. 3 illustrates a process in which integrated payment of mileage points, electronic money, electronic vouchers, prepaid cards, debit cards, and other credit cards is performed, in which only the member subscribers are connected. Therefore, an authentication procedure for indicating whether a member registered first with respect to the card number input to the relay server 200 may be added.

Referring to the drawings, a cardholder records a magnetic stripe card, a radio frequency smart card, or a card number on an internal IC chip at an online or offline card merchant as a payment method, and supports near field communication. When the card is presented using a mobile phone or the like, the card payment terminal 100 extracts the card number from the input payment amount and the card and transmits the card number to the relay server 200 (S30). The card is a credit card. Prepaid or debit cards are applicable. The method of extracting the card number is possible by contacting the reader of the card payment terminal 100 with a magnetic stripe coated on the back of the card. If the card is a radio frequency smart card, the card number may be extracted by bringing the card closer to a predetermined distance of the card payment terminal 100. In addition, when the card number is stored in the IC chip and embedded in a portable terminal such as a mobile phone supporting short-range wireless communication, the card number may be extracted from the card payment terminal 100 capable of short-range wireless communication with the portable terminal. have.

The account information inquiry module 220 of the relay server 200 accesses the account information DB 260 to each mileage point, electronic money, electronic gift certificate, prepaid card, debit card and other credit card associated with the extracted card number. Inquiry account information (S32). Multiple mileage points, electronic money, electronic gift certificates, prepaid cards, debit cards and other credit card account information may exist for a single card number.

When the mileage points, electronic money, electronic voucher, prepaid card, debit card and other credit card account information registered in association with each other, the balance inquiry module 230 is the mileage point, electronic money, electronic voucher, prepaid card, debit card And access to the authorization server 300 for each account of the other credit card to check the currently payable balance of the corresponding account (S34, S36).

When the balance remaining is confirmed, the approval request module 240 of the relay server 200 compares the balance for each account with the payment amount input from the card payment terminal 100 and pays for each account according to a predetermined priority. The amount of money is determined (S38).

After that, the approval request module 240 of the relay server 200 makes a payment approval request for the predetermined payment amount to the corresponding approval server 300 (S40).

The account-specific approval server 300 approves the payment by subtracting the balance corresponding to the payment amount, and if there are mileage points generated according to the transaction, automatically accumulates in the corresponding mileage point account, and relays the approval result. 200) (S42, S44).

Payment for the payment amount may be different by prior agreement or contract, depending on the nature of each mileage point, electronic money, electronic gift certificates, prepaid cards, debit cards and other credit cards. For example, when the mileage points accumulated as in the present invention are used for cash payment, mileage points corresponding to twice the payment amount may be reduced.

The relay server 200 aggregates and processes the approval result for each payment account and transmits it to the card issuer and the card payment terminal 100 corresponding to the card number (S46), and the card payment terminal 100 reflects the approval result. To print the payment receipt (S48).

In FIG. 3, when the remaining mileage points associated with the card number, electronic money, electronic gift certificate, prepaid card, debit card and other credit card accounts are insufficient, the relay server 200 corresponds to the card number for the insufficient amount. The payment will be requested to the card issuer (S40). That is, the approval request module 240 of the relay server 200 accesses the card issuer through the VAN network according to the normal credit card, prepaid card or debit card payment procedure corresponding to the card number, and pays the card for the insufficient amount. Request the approval of (S40. S42). When a credit card, prepaid card or debit card payment is made from a card issuer, the relay server 200 receives each linked mileage point, electronic money, electronic gift certificate, prepaid card, debit card and other received from the authorization server 300 for each account. The payment approval result of the credit card and the payment approval result received from the card issuer are processed together and transmitted to the card issuer and the card payment terminal 100 corresponding to the card number (S46), and the card payment terminal 100 is The payment receipt is reflected to reflect the approval result (S48).

In another preferred embodiment of the present invention, the relay server 200 is not located between the card payment terminal 100 and each approval server 300 is connected only to the approval server 300, the card payment terminal 100 When a card payment occurs in, you do not immediately execute a consolidated payment using each linked mileage point, electronic money, electronic voucher, prepaid card, debit card or other credit card, but after a certain period of time, for example, once a day The issuer may collect the credit card approval result and transmit it to the relay server 200 to perform a post-integrated integrated payment in a batch.

That is, the magnetic stripe card, the contactless smart card or the card number is recorded on the internal IC Chip, and the card payment terminal 100 responds to the card payment activity in the card payment terminal using a mobile phone supporting near field communication. After receiving the card number and payment amount, the card issuer such as a credit card, prepaid card or debit card corresponding to the card number is requested to approve payment. Authorization server of the card issuer transmits the card payment approval result to the card payment terminal (100). The card issuer collects the card payment approval result for a certain period and transmits the result to the relay server 200. The relay server extracts the account information of each registered mileage point, electronic money, electronic gift certificate, prepaid card, debit card and other credit card in association with the card number. The relay server 200 connects to the authorization server 300 that manages the account of each mileage point, electronic money, electronic gift certificate, prepaid card, debit card and other credit card, and inquires the balance currently payable. The relay server 200 compares the currently payable balance of each account with the payment amount to determine a payment amount for each account according to a predetermined priority. The relay server connects to the corresponding approval server 300 for each account and requests payment approval of the determined payment amount. The account-specific approval server 300 approves the payment by reducing the balance corresponding to the payment amount, and automatically accumulates in the corresponding mileage point account if there are mileage points generated according to this transaction.

The relay server receives the payment approval result from the approval server for each account, processes it in aggregate, and transmits the payment approval result to a card issuer such as a credit card, prepaid card or debit card corresponding to the card number. The corresponding card issuer subtracts the card billing amount according to the received payment approval result and processes the settlement with the authorization server 300 for each account.

As mentioned above, although this invention was demonstrated by the limited embodiment and drawing, this invention is not limited by this, The person of ordinary skill in the art to which this invention belongs, Of course, various modifications and variations are possible within the scope of equivalent claims.

According to the present invention, a relay server that can extract various mileage points, electronic money, electronic gift certificates, prepaid cards, debit cards and other credit card account information associated with the card number, different mileage points, electronic money, electronic gift certificates, It is located between the authorization server of prepaid card, debit card and other credit cards and the card payment terminal, so that each mileage point, electronic money, e-gift voucher, prepaid card, debit card and other credit cards linked by one card number can be integrated. It can work.

Therefore, in order to use various mileage points, electronic money, electronic gift certificates, prepaid cards, debit cards and other credit cards for payment, you do not need to issue a physical card and possess it separately. Money, electronic gift certificates, prepaid cards, debit cards and other credit card issuers do not need to attract online and offline merchants to enter into payment settlement agreements.Additional devices such as separate software or barcode scanners at merchant card inquiry terminals Existing card merchant infrastructure, which is widely deployed, can be used as its payment merchant without the need for additional service.

Claims (8)

When using a credit card, prepaid card or debit card at a card payment terminal using a magnetic stripe card, a contactless smart card or a card number recorded on an internal IC chip and supporting a short-range wireless communication. In response, the relay server receiving a card number and a payment amount from the card payment terminal; Extracting account information of each mileage point, electronic money, electronic gift certificate, prepaid card, debit card and other credit card registered in association with a corresponding card number in the relay server; Connecting to an authorization server that manages the account of each mileage point, electronic money, electronic gift certificate, prepaid card, debit card and other credit card, and checks the currently payable balance; Determining, by the relay server, a payment amount for each account according to a predetermined priority by comparing the current payment amount of each account with the payment amount; Requesting approval of payment of the payment amount by connecting to an approval server for each account in a relay server; The account-specific approval server approves the payment by reducing the balance corresponding to the payment amount, and automatically accumulates in the corresponding mileage point account if there are mileage points generated according to the transaction; And Receiving a payment approval result from the authorization server for each account in the relay server, and processing the totally, and transmitting the payment approval result to the card issuer and the card payment terminal corresponding to the card number. Mileage points using one card number, including electronic money, electronic gift certificates, prepaid cards, debit cards and other credit card integrated payment method. The method of claim 1, Requesting payment authorization from a card issuer such as a credit card, prepaid card, or debit card corresponding to the card number for the insufficient amount if the current payable balance of each account is less than the payment amount; Mileage points, electronic money, electronic gift certificates, prepaid cards, debit cards and other credit card integrated payment method using one card number further comprising. A plurality of authorization servers managing different mileage points, electronic money, electronic gift certificates, prepaid cards, debit cards and other credit cards; And It includes a relay server for connecting the card payment terminal and the authorization server, The relay server DB that stores each mileage point, electronic money, electronic voucher, prepaid card, debit card and other credit card account information associated with the card number, An account information inquiry means for extracting mileage points, electronic money, electronic gift certificates, prepaid cards, debit cards and other credit card account information linked from the DB based on the card number input from the card payment terminal; Balance inquiry means for extracting the currently available balance of the account by accessing the account-specific authorization server, Authorization request for requesting approval of payment to each account by determining the payment amount for each account according to a predetermined priority by comparing the current balance of each account with the payment amount input from the card payment terminal. Means, and Transmitting and receiving means for receiving the card number and the payment amount from the card payment terminal, processing the payment approval result sent from the authorization server for each account and processing it and sending the card issuer and card payment terminal corresponding to the card number. Mileage points using one card number, including electronic money, electronic gift certificates, prepaid cards, debit cards and other credit card integrated payment system. The method of claim 3, wherein The approval request means If the current balance of each account is less than the payment amount, request payment authorization from a card issuer such as a credit card, prepaid card or debit card corresponding to the card number only for the insufficient amount. Mileage points, electronic money, electronic gift certificates, prepaid cards, debit cards and other credit card integrated payment system using a single card number. A device that replaces the card payment amount with each mileage point, electronic money, electronic gift certificate, prepaid card, debit card and other credit card associated with the card number, DB for storing mileage points, electronic money, electronic voucher, prepaid card, debit card and other credit card account information associated with the card number; Input means for receiving a card number and a payment amount; Account information inquiry means for extracting the account information of the mileage point, electronic money, electronic gift certificate, prepaid card, debit card and other credit card linked from the DB based on the input card number; Balance inquiry means for extracting a currently payable balance of the account by accessing the account-specific authorization server; And Authorization request for requesting approval of payment to each account by determining the payment amount for each account according to a predetermined priority by comparing the current balance of each account with the payment amount input from the card payment terminal. Way Mileage point using one card number, including electronic money, electronic gift certificates, prepaid cards, debit cards and other credit card integrated payment device. The method of claim 5, The integrated payment device Output means for synthesizing the extracted account information, the current balance, and the authorization result sent from the authorization server for each account, and outputting the combined account information to the cardholder; Containing more Mileage points, electronic money, electronic gift certificates, prepaid cards, debit cards and other credit card integrated payment device using a single card number. The method of claim 3, wherein Integrated payment of mileage points, electronic money, electronic gift certificates, prepaid cards, debit cards and other credit cards using one card number further comprising a relay server connected to the different authorization servers without being connected to the card payment terminal. system. When using a credit card, prepaid card or debit card at a card payment terminal using a magnetic stripe card, a contactless smart card or a card number recorded on an internal IC chip and supporting a short-range wireless communication. In response, receiving a card number and a payment amount from a card payment terminal; Requesting payment authorization from a card issuer such as a credit card, prepaid card or debit card corresponding to the card number; Transmitting, by the card issuer's approval server, the payment approval result to the card payment terminal; The card issuer collects the card payment approval result and transmits the result to the relay server; Extracting account information of each mileage point, electronic money, electronic gift certificate, prepaid card, debit card and other credit card registered in association with the card number from the relay server; Connecting to an authorization server that manages the account of each mileage point, electronic money, electronic gift certificate, prepaid card, debit card and other credit card, and checks the currently payable balance; Determining, by the relay server, a payment amount for each account according to a predetermined priority by comparing the current payment amount of each account with the payment amount; Requesting approval of payment of the determined payment amount by connecting to the approval server for each account in the relay server; The account-specific approval server approves the payment by reducing the balance corresponding to the payment amount, and automatically accumulates in the corresponding mileage point account if there are mileage points generated according to the transaction; Receiving a payment approval result from the approval server for each account in the relay server, synthesizing and processing the payment approval result, and transmitting the payment approval result to a card issuer such as a credit card, prepaid card or debit card corresponding to the card number; And The corresponding card issuer deducts the amount of the card charge according to the received payment approval result and setstles the account with the approval server for each account. Mileage points using one card number, including electronic money, electronic gift certificates, prepaid cards, debit cards and other credit card integrated payment method.

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