KR20140095196A - System and method for processing payment using mean of alternative payment, and apparatus and method for generating the said mean, and the said mean - Google Patents

Abstract

Disclosed are a device, system, and method to produce a variable alternative payment means in accordance to the conditions a purchaser sets and using the alternative payment means to purchase a product or use a service. To achieve this, the method of the present invention comprises the following steps: an alternative payment means producing method of producing an alternative payment means of which the conditions are determined by an authority server or user; and a payment processing steps of processing payment in real time for service usage or product purchase with the produced alternative payment means. According to the present invention, excessive consumption caused by the balance can be prevented, and a voucher can be reused since one voucher can be used several times. Also, the types of purchasable items are not limited such that various kinds of products can be purchased, and refund and exchange becomes easier.

Description

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a payment processing system and method using an alternative payment means, an apparatus and method for generating an alternative payment means, and an alternative payment means }

The present invention relates to an alternative payment means and an apparatus and method for creating the alternative payment means. The present invention also relates to a payment processing system and method for using an alternative payment means for purchasing goods or using services.

Electronic commerce and activation of smart phones have enabled the use of electronic payment, gift certificates and mobile coupons.

Conventional gift vouchers are subject to usage, amount and duration. Therefore, in order to use the gift certificate, there is a problem in that it is necessary to purchase an object within the range of the amount, to receive the balance back, or to overpay the object more than necessary in order not to leave a balance. There is also a disadvantage that the use of gift certificates is limited to one.

As an alternative to electronic commerce, mobile coupons are limited to specific products or mainly to specific products. So, I did not like the product of the mobile coupon, and I was constrained to buy it with other things. In addition, when purchasing other goods along with the mobile coupon product, the mobile coupon and other payment methods have to be paid at the same time. Accordingly, in order to make an electronic settlement through an existing coupon or a mobile coupon, it is necessary to first decide which product to purchase and to decide whether to purchase the product coupon or the mobile coupon prior to purchasing the item. .

In addition, the purchase of a product through a gift certificate or a mobile coupon is limited to the corresponding product, so that it is difficult to purchase an exchange or another product, and a settlement of the gift certificate is made at the time of purchasing the gift certificate, and the troubles such as exchange, refund, . In addition, when purchasing a large amount of goods together with other products, there was a complication in settlement.

As described above, the conventional method of using electronic payment is that it is troublesome to use except for using a single product by designating a specific product, and there are many inconveniences before giving gifts to others, I followed.

Korean Patent Application No. 2003-0027358 discloses a prior invention relating to generation of alternative payment means and payment processing using the same. However, this invention of the present application is such that the purchaser electronically issues a gift certificate for a predetermined commodity or amount and provides it to the purchaser so that it can not be issued variably according to the buyer's condition specification.

It is an object of the present invention to propose a payment processing system and a payment processing method in which an alternative payment means, which is variably issued according to a buyer's conditional specification, is used for purchasing goods or using services. It is another object of the present invention to provide an apparatus and a method for creating an alternative payment means. In the present invention, an alternative payment means is a payment means that replaces cash or a credit / debit / check card when purchasing goods or using a specific service. Alternative payment means include, for example, prepaid cards, gift cards, gift certificates, coupons, discount coupons, cyber money, gift cones and the like.

The objects of the present invention are not limited to those mentioned above, and other objects not mentioned can be clearly understood by those skilled in the art from the following description.

According to an aspect of the present invention, there is provided an information processing apparatus comprising: an alternative payment means generation step of generating an alternative payment means whose conditions are determined by a user or an authorized institution server; And a settlement processing step of real-time settlement processing of purchasing goods or service use by the generated substitute payment means, and proposes a settlement processing method using an alternative payment means.

The alternative payment means generating step may include: a usage limit input step of receiving a usage limit of the alternative payment means from the user on the condition; A usage limit determining step of determining whether the usage limit is possible based on the credit limit of the user; And a condition-based generation step of generating the alternative payment means on the basis of the usage limit according to the discrimination result.

Wherein the condition-based generation step generates the alternative payment means by using the usage limit if it is determined that the usage limit is possible, and if the usage limit is determined to be impossible, And generates the substitute payment means using the limit selected by the user.

The alternative payment means generation step includes: a credit limit input step of receiving a credit limit of the user based on the condition from the accredited institution server; A use limit selecting step of selecting the credit limit as a use limit of the substitute payment means or receiving a usage limit selected by the user within the credit limit; And a condition-based generation step of generating the alternative payment means based on the selected usage limit or the input usage limit.

The condition-based generation step adds at least one of a use place, a use time, a usable period, and a user to use when creating the substitute payment means.

The alternative payment means generation step generates the new alternative payment means by changing the condition according to the request of the user or the person having the alternative payment means.

If the usage limit of the alternative payment means is determined based on the above conditions, the settlement processing method performs the settlement of the usage limit in cooperation with the financial institution server or the settlement service provider server, A prepayment processing step of controlling generation of payment means; Or a settlement processing step of adding up the settlement processed by the substitute payment means at predetermined time intervals and performing settlement for the summed up in cooperation with the financial institution server or the settlement service provider server.

The prepayment processing step may include: a cost settlement step of performing the cost settlement; A cyber money charging step of charging the cyber money corresponding to the charged cost; And a first credit limit adjustment step of subtracting the settlement cost from the credit limit of the user. In this case, the alternative payment means generation step may be performed after the prepayment processing step, and the alternative payment means is created with the charged cyber money.

The payment processing method further includes a second credit limit adjustment step of subtracting the settlement cost from the credit limit of the user when the settlement processing method includes the post-settlement processing step. The second credit limit adjustment step may be performed before the post-settlement processing step.

The settlement processing method further includes a credit limit adjustment step of subtracting the use limit of the generated substitute payment means or the settlement processed fee from the credit limit of the user.

The settlement processing method is characterized in that when the usage limit of the substitute payment means is not exhausted at the time of settlement processing, the balance processing method includes a step of depositing a balance or creating the substitute payment means by using the balance or increasing the credit limit of the user Processing step. The balance processing step may be performed after the settlement processing step.

The payment processing method further includes an alternative payment means output step of outputting the generated alternative payment means to a card or mobile terminal of the user specified by the user or the user, or outputting the printed alternative through the printer selected by the user. The output to the card refers to a process of recording and accumulating the generated substitute payment means on the card selected by the user or the designated person and making payment using the substitute payment means accumulated in the card during the card payment process. Alternatively, the alternative payment means generation step adds the usage limit to the card selected by the user or the designated person when the condition is the usage limit of the alternative payment means. The alternative payment means output step may be performed between the alternative payment means generation step and the payment processing step.

The present invention also provides an alternative payment means generation unit for generating an alternative payment means whose conditions are determined by a user or an authorized institution server; And a settlement processing unit for performing settlement processing for goods purchase or service use by using the generated substitute payment means in real time.

The alternative payment means generating unit includes: a usage limit input unit for receiving a usage limit of the alternative payment means from the user on the condition; A usage limit determining unit for determining whether the usage limit is possible based on a credit limit of the user; And a condition-based generation unit for generating the alternative payment means based on a usage limit according to a result of the determination.

Wherein the condition-based generation unit generates the alternative payment means by the usage limit if it is determined that the usage limit is possible, and if the usage limit is determined to be impossible, The alternative payment means generates the alternative payment means using the limit selected by the user.

Wherein the alternative payment means generation unit comprises: a credit limit input unit for receiving a credit limit of the user from the accredited institution server under the condition; A usage limit selecting unit that selects the credit limit as a usage limit of the alternative payment unit or receives a usage limit selected by the user within the credit limit; And a condition-based generation unit for generating the alternative payment means based on the selected usage limit or the inputted usage limit.

The condition-based generation unit adds at least one of a use place, a use time, a usable period, and a user to use when creating the substitute payment means.

The alternative payment means generation unit generates the new alternative payment means by changing the condition according to the request of the user or the person having the alternative payment means.

The settlement processing system, when the use limit of the alternative payment means is determined based on the above conditions, performs the settlement of the utilization limit in cooperation with the financial institution server or the settlement service provider server, A prepayment processing unit for controlling the generation of the payment means; Or a payment processing unit for summing the settlement processed by the substitute payment means at predetermined time intervals and performing settlement for the summed charges linked with the financial institution server or the settlement service provider server.

The prepayment processing unit may include: a cost settlement unit for performing the cost settlement; A cyber money charging unit charging the cyber money corresponding to the charged money; And a first credit limit adjuster for subtracting the settlement cost from the credit limit of the user. In this case, the alternative payment means generation unit generates the alternative payment means with the charged cyber money.

The payment processing system further includes a second credit limit adjuster for subtracting the settlement processing cost from the credit limit of the user when the settlement processing system includes the after-payment processor. The settlement processing system further includes a credit limit adjustment unit that subtracts the use limit of the generated alternative payment means or the settlement processed fee from the credit limit of the user.

The settlement processing system may be configured such that, when the usage limit of the substitute payment means is not exhausted at the time of settlement processing, the settlement processing system creates a new balance using the balance or generates a balance And a processing unit.

The settlement processing system further includes an alternative payment means output unit for outputting the generated alternative payment means to the user or a card or mobile terminal specified by the user or outputting the printed alternative through the printer selected by the user. The output to the card refers to a process of recording and accumulating the generated substitute payment means on the card selected by the user or the designated person and making payment using the substitute payment means accumulated in the card during the card payment process. Alternatively, the alternative payment means generation unit adds the usage limit to the card selected by the user or the designated person when the condition is the use limit of the alternative payment means.

The present invention may further include a condition determining step of determining a condition through a user or a certified institution server; And a condition-based generation step of generating an alternative payment means based on the determined condition.

The condition determination step may include: a usage limit input step of receiving a usage limit of the alternative payment means from the user on the condition; And a usage limit determining step of determining whether the usage limit is possible based on the credit limit of the user, wherein the condition-based generation step generates the substitute payment means based on a utilization limit according to a result of the determination.

Wherein the condition-based generation step generates the alternative payment means by using the usage limit if it is determined that the usage limit is possible, and if the usage limit is determined to be impossible, And generates the substitute payment means using the limit selected by the user.

Wherein the condition determination step comprises: a credit limit input step of receiving credit limit of the user from the accredited institution server under the condition; And a use limit selection step of selecting the credit limit as a usage limit of the substitute payment means or receiving a usage limit selected by the user within the credit limit, And generates the alternative payment means based on the usage limit.

The condition-based generation step adds at least one of a use place, a use time, a usable period, and a user to use when creating the substitute payment means.

The condition-based generation step generates the new alternative payment means by changing the condition according to the request of the user or the person having the alternative payment means.

The alternative payment means generation method further includes a credit limit adjustment step of subtracting the utilization limit of the generated alternative payment means from the credit limit of the user. The credit limit adjustment step may be performed after the condition determination step or after the condition based generation step.

The alternative payment means generation step further includes an alternative payment means output step of outputting the generated alternative payment means to a card or mobile terminal of the user designated by the user or the user or outputting the printed alternative through the printer selected by the user do. Alternatively, the condition-based generation step adds the utilization limit to the card selected by the user or the designated person when the condition is the usage limit of the alternative payment means. The alternative payment means output step may be performed after the condition based generation step.

Further, the present invention may include a condition determination unit for determining a condition through a user or a public agency server; And a condition-based generation unit for generating an alternative payment means based on the determined condition.

Wherein the condition determination unit comprises: a usage limit input unit that receives usage limits of the alternative payment means from the user on the condition; And a usage limit determining unit for determining whether the usage limit is possible based on the credit limit of the user, and the condition based generation unit generates the alternative payment means based on the usage limit according to the discrimination result.

Wherein the condition-based generation unit generates the alternative payment means by the usage limit if it is determined that the usage limit is possible, and if the usage limit is determined to be impossible, The alternative payment means generates the alternative payment means using the limit selected by the user.

Wherein the condition determination unit comprises: a credit limit input unit for receiving a credit limit of the user from the accredited institution server under the condition; And a usage limit selector for selecting the credit limit as a utilization limit of the substitute payment means or receiving a usage limit selected by the user within the credit limit, And creates the alternative payment means based on the limit.

The condition-based generation unit adds at least one of a use place, a use time, a usable period, and a user to use when creating the substitute payment means.

The condition-based generation unit changes the condition according to the request of the user or the person having the alternative payment means to newly generate the alternative payment means.

The alternative payment means generating apparatus further includes a credit limit adjusting unit that subtracts the use limit of the generated substitute payment means from the credit limit of the user.

The alternative payment means generating device further includes an alternative payment means outputting portion for outputting the generated alternative payment means to a card or mobile terminal of the user specified by the user or the user or outputting the printed alternative through the printer selected by the user . Alternatively, the condition-based generation unit adds the utilization limit to the card selected by the user or the designated person when the condition is the usage limit of the alternative payment means.

The present invention also proposes an alternative payment means characterized in that the conditions are determined by a user or a public agency server.

The present invention can produce the following effect by creating an alternative payment means whose contents are variable according to the specification of the buyer and using the alternative payment means for purchasing goods or using the service.

First, overpaying due to the balance can be prevented. Second, the amount of the alternative payment means can be divided and used many times, making it possible to reuse the alternative payment means. Third, because the type of product is not limited, various products can be purchased and exchanged or refunded freely. Fourth, it becomes possible for the credit of the purchaser to be used by a person designated by the purchaser (for example, a child of the purchaser) for payment.

1 is a block diagram schematically showing a payment processing system according to a preferred embodiment of the present invention.
2 is a block diagram schematically showing a payment processing apparatus according to a preferred embodiment of the present invention.
3 is a block diagram showing the internal configuration of the alternative payment means generation unit shown in FIG.
4 is a block diagram showing a configuration added to the payment processing apparatus shown in FIG.
5 is a flowchart showing an electronic settlement service issuing process in a post-settlement process according to an embodiment of the present invention.
6 is a flowchart illustrating an electronic payment service use process during a post-payment process according to an embodiment of the present invention.
FIG. 7 is a flowchart of a first embodiment illustrating an unused money collection process in a post-payment process according to an embodiment of the present invention.
8 is a flowchart of a second embodiment showing an unused money collection process in a post-payment process according to an embodiment of the present invention.
9 is a flowchart of a third embodiment showing an unused money collection process in a post-payment process according to an embodiment of the present invention.
10 is a flowchart illustrating an electronic payment service issuing process in a prepayment process according to an embodiment of the present invention.
11 is a flowchart illustrating an electronic payment service use process in a prepayment process according to an embodiment of the present invention.
12 is a flowchart schematically showing a payment processing method according to a preferred embodiment of the present invention.

Hereinafter, preferred embodiments of the present invention will be described in detail with reference to the accompanying drawings. In the drawings, the same reference numerals are used to designate the same or similar components throughout the drawings. In the following description of the present invention, a detailed description of known functions and configurations incorporated herein will be omitted when it may make the subject matter of the present invention rather unclear. In addition, the preferred embodiments of the present invention will be described below, but it is needless to say that the technical idea of the present invention is not limited thereto and can be variously modified by those skilled in the art.

1 is a block diagram schematically showing a payment processing system according to a preferred embodiment of the present invention. 1, the payment processing system 100 includes a payment processing device 110, a user terminal 120, an authorized institution server 130, a financial institution server 140, a payment service provider server 150, a printer 160 And a card 170. As shown in FIG.

The payment processing system 100 is a payment processing system using an alternative payment means. In the present embodiment, the alternative payment means is a payment means that replaces cash or a credit / debit / check card when purchasing goods or using a specific service, for example, prepaid cards, gift cards, gift certificates, coupons, discount coupons, cyber money, .

The settlement processing device 110 implements an electronic settlement process in which the usage limit of the alternative payment means is variably determined and issued according to the buyer's condition specification within the buyer's credit limit donation range. Hereinafter, the present embodiment will describe a method in which a user designates a condition through the payment processing apparatus 110 to issue an alternative payment means and a method of using an alternative payment means as a payment means, with reference to FIG. 2 to FIG. The payment processing apparatus 110 may be implemented as a server, but may be implemented as a terminal.

The user terminal 120 is a terminal to which a user who wishes to purchase an alternative payment means connects. In this embodiment, the person who purchases the alternative payment means (the transferor) and the person who uses the alternative payment means (the transferee) can be changed according to the transfer of the user. Accordingly, in the present embodiment, the settlement processing system 100 may further include a terminal to which a transferee is connected.

The authorized institution server 130 is a server built in an institution for determining a credit limit of a person who is to create an alternative payment means, for example, a server built in a financial institution such as a bank, a card company, or a communication company.

The financial institution server 140 is a server built in a financial institution that charges a limit set by the alternative payment means, for example, a server built in a bank. When the authorized institution server 130 is implemented as a server built in a financial institution, the financial institution server 140 may be omitted. In this case, the authorized institution server 130 can perform not only a credit limit determination but also a cost settlement function.

The settlement service company server 150 performs the same function as the financial institution server 140, but is a server built in a company rather than an institution. The settlement service company server 150 may also perform a function of performing settlement of expenses. In this embodiment, either the financial institution server 140 or the settlement service provider server 150 may be provided.

The printer 160 is a device that prints the alternative payment means generated by the payment processing apparatus 110. [

The card 170 is the one possessed by a user or a user, and information about the alternative payment means generated by the payment processing device 110 is inserted.

Next, the settlement processing apparatus 110 shown in Fig. 1 will be described in detail. 2 is a block diagram schematically showing a payment processing apparatus according to a preferred embodiment of the present invention. 2, the payment processing apparatus 110 includes an alternative payment means generation unit 210, a payment processing unit 220, a power supply unit 230, and a main control unit 240. The following description refers to Fig. 1 and Fig.

The alternative payment means generation unit 210 performs a function of generating an alternative payment means whose condition is determined by the user or the authorized institution server 130. In this embodiment, the limited amount is the condition of the substitute payment means, but the condition of the substitute payment means is not necessarily limited thereto.

3 (a), the alternative payment means generation unit 210 generates a substitution payment means in which the usage limit input unit 310, the usage limit determination unit 320, and the condition based And a generating unit 330. 3 (a) and 3 (b) are block diagrams showing, by type, the internal configuration of the alternative payment means generation unit shown in FIG.

The usage limit inputting unit 310 performs a function of receiving a usage limit of the alternative payment means from a user as a condition.

The usage limit determining unit 320 performs a function of determining whether a usage limit is possible based on a credit limit of the user. The credit line is the availability limit as determined by an accredited agency, but is not necessarily limited to this. It is also possible, for example, to determine a credit limit for each user in a provider of services according to the present invention.

The condition-based generation unit 330 performs a function of generating an alternative payment means based on the utilization limit according to the determination result. If the usage-based limit is determined to be available, the condition-based generation unit 330 generates an alternative payment means using the usage limit. On the other hand, if it is determined that the usage limit is impossible, the condition-based generation unit 330 generates an alternative payment means using the designated limit determined by the authorized institution server 130, or uses the limit selected by the user within the specified limit Create an alternative payment instrument with a limit.

On the other hand, the condition-based generation unit 330 may add at least one condition of the use place, the use time, the usable period and the user to use when generating the substitute payment means.

3 (b), the alternative payment means generation unit 210 generates the alternative payment means with the credit limit input unit 340, the usage limit selection unit 350, And a condition-based generation unit 330.

The credit limit input unit 340 receives a credit limit of the user as a condition from the authorized institution server 130. The credit limit input unit 340 may receive a credit limit of a user through a server constructed by a company providing a service according to the present invention instead of the authorized institution server 130. [

The usage limit selection unit 350 selects a credit limit as a usage limit of the alternative payment means, or receives a usage limit selected by a user within a credit limit.

The condition-based generation unit 330 performs a function of generating an alternative payment means based on the selected usage limit or the inputted usage limit.

On the other hand, the alternative payment means generation unit 210 may generate a new alternative payment means by changing conditions according to a request of a user or a person having a substitute payment means (ex. This function of the alternative payment means generation unit 210 is useful when a user purchases an item at a different shop.

The alternative payment means generation unit 210 may include a condition determination unit (not shown) and a condition based generation unit 330. The condition determination unit performs a function of determining a condition through the user or the authorized institution server 130, and the condition-based generation unit 330 performs a function of generating an alternative payment means based on the determined condition. The condition determination unit includes a usage limit input unit 310 and a usage limit determination unit 320 in FIG. 3A and includes a credit limit input unit 340 and a usage limit selection unit 350 in FIG. 3B. .

Referring again to FIG.

The settlement processing unit 220 performs a function of real-time settlement processing for purchasing goods or service use by the generated alternative payment means.

The power supply unit 230 performs a function of supplying power to each configuration of the settlement processing apparatus 110.

The main control unit 240 performs a function of controlling the overall operation of each configuration of the payment processing apparatus 110. [

4, at least one of the prepayment processing unit 410, the post-payment processing unit 420, the credit limit adjustment unit 430, the balance processing unit 440, and the alternative payment means output unit 450, And may further include one configuration. 4 is a block diagram showing a configuration added to the payment processing apparatus shown in FIG.

If the usage limit of the alternative payment means is determined based on the condition, the prepayment processor 410 interlocks with the financial institution server 140 or the settlement service provider server 150 to perform settlement of the usage limit. At this time, the prepayment processing unit 410 controls the generation of the substitute payment means by the usage limit as much as the cost payment.

The post-settlement processing unit 420 sums up the settlement processed by the substitute payment means at predetermined time intervals, and performs settlement of the summed costs in cooperation with the financial institution server 140 or the settlement service company server 150. [ The predetermined time may be a weekly / monthly predetermined date, or may be immediately after using the alternative payment means. Since the prepayment processing unit 410 is configured to process the cost settlement according to the prepayment system and the post-payment processing unit 420 processes the cost settlement according to the post-settlement system, the prepayment processing unit 410 and the post- (420) may be provided.

The prepayment processing unit 410 may include a cost settlement unit, a cyber money charging unit, and a credit limit adjustment unit 430. The cost settlement unit performs a function of processing the settlement of costs for the usage limit. The cyber money charging unit charges the cyber money corresponding to the charged money. The credit limit adjustment unit 430 performs a function of subtracting the settlement cost from the credit limit of the user. When the payment processing apparatus 110 includes the prepayment processing unit 410, the substitute payment means generation unit 210 generates substitute payment means with the cyber money charged by the cyber money charging unit.

When the settlement processing apparatus 110 includes the prepayment processing unit 410, the credit limit adjustment unit 430 may be provided inside the prepayment processing unit 410, but may be provided outside the prepayment processing unit 410. It is preferable that the credit limit adjustment unit 430 is provided outside the prepayment processing unit 410 if the payment processing apparatus 110 includes both the prepayment processing unit 410 and the postpayment processing unit 420. [

In the above, cyber money is defined as to generate an alternative payment means in the prepayment processing. However, in the present embodiment, the cyber money is not limited to this, and it is also possible to deposit the balance as cyber money when the balance is settled by the balance processing unit 440. [

The balance processing unit 440 performs a function of depositing a balance or creating a new alternative payment means by using the balance or increasing a credit limit of the user as a balance when the use limits of the alternative payment means are not exhausted at the time of payment processing .

The balance processor 440 can newly generate an alternative payment means by using only the balance when creating a new alternative payment means using the balance, or add a designated amount to the balance to generate a new alternative payment means. At this time, the designated amount may be determined by the user or the authorized institution server 130. On the other hand, the deposit may be used to increase the usage limit of the alternative payment means when creating an alternative payment means in the future.

Meanwhile, the balance processing unit 440 can also perform a function of outputting the balance to a card of a person who has created an alternative payment means (e.g., a purchaser) or a person who uses the alternative payment means (e.g., a transferee) or a mobile terminal.

The alternative payment means output unit 450 outputs the generated alternative payment means to a card or a mobile terminal of a person designated by a user or a user (ex. A transferee), or outputs it to a printed matter through the printer 160 selected by the user Function.

On the other hand, it is also possible to add the usage conditions including the usage limit set in the alternative payment means to the card having the user or the user designated by the user, without outputting the alternative payment means to the printed matter. In this embodiment, this function is performed by the alternative payment means generation unit 210, in particular, the condition based generation unit 330.

Next, an electronic settlement service will be described as an embodiment of the settlement processing system described with reference to Figs. 1 to 4. Fig.

The present invention relates to an electronic payment method such as a gift certificate or a mobile coupon. It is not limited to a product or a usage amount of a coupon or a mobile coupon, and the buyer can freely use the limit of the amount of money and usage Provide a way to create a mobile gift voucher or mobile coupon that can be assigned.

The purchaser can designate the use place of the gift certificate, the mobile coupon, the use frequency, the period of use, the user, etc., and it is possible to recover the remaining credit limit without leaving a balance after use according to the designated conditions, thereby eliminating the trouble of leaving the balance.

In the form of purchasing a lottery ticket that is made by printing the existing lottery ticket in advance, a DIY type (user-designated lottery) lottery market, in which a user arbitrarily generates a number like a lottery ticket, is newly established.

From the same point of view, existing vouchers and mobile coupons were also purchases of pre-made vouchers or mobile coupons for a fixed amount or a fixed amount of merchandise. This paper proposes a method of creating a DIY type gift certificate or a mobile coupon that designates a limit, a use place, a use frequency, a use period, a user, and the like of a purchase amount arbitrarily, and an implementation method of the use method of the payment means.

The purchase limit of the electronic payment means can be limited to the credit limit of the buyer. After the purchase of the payment means or after the fulfillment of other conditions, the remaining amount is collected and returned to the buyer, .

According to the present invention, after the amount of money to be paid through the grant of the credit limit of the purchaser is secured in advance by condition designation, if an actual payment transaction is performed within the condition, the purchase occurs at that point of time, We propose a settlement method that reinstates the credit limit by withdrawing the donation of the buyer's credit limit without settlement. However, the present invention is not limited to this method. That is, the present invention can be processed in a prepayment method rather than a credit limit donation method after confirming the credit limit. At this time, it can be operated in the form of accumulation through cyber money purchase. In this case, there is a strong concept of creating and using a cash substitute payment means (eg, a gift certificate, a mobile coupon, a gift certificate, etc.) through the cyber money purchased by the user. It's easy to think of it in the same format as creating a one-time-use credit card that you can use.

In order to improve an existing method of pre-paying a mobile coupon (gift coupon) in which a monetary amount of a monetary amount or a mobile coupon (gift coupon) in which a specific item is determined in an electronic commerce method is uniformly determined, a buyer The present invention relates to a system and a service providing method for providing a DIY type gift certificate and a mobile coupon.

In the present invention, the purchaser (hereinafter, referred to as " user ") sets a user specifying condition such as a usage amount, a usage time, a usage period, a form of issuance, and a user for a gift certificate or a mobile coupon do.

The present invention also provides a system and method for confirming the credit limit of a user from an affiliated financial institution or a communication company, judging the issuance of the cash substitute payment means, and issuing the cash substitute payment means with a credit limit of the User. Confirmation of the credit limit may build up its own system in the future. Confirmation of the usable amount of the user can be confirmed before or during the condition specification process.

In addition, in the present invention, the User may directly use the cash substitute payment means issued by the user or provide the third-party with the mobile, web, off-line print, card, or the like.

In the present invention, when a user makes a purchase through a cash substitute payment means issued by a user or a third party, payment is made at that time.

In addition, according to the present invention, a system and a method for releasing a credit limit grant to a telecommunications company or a financial institution for an unused amount of a user's credit limit, which have exhausted all the conditions designation of the cash substitute payment means and reserved for the remaining unused amount after use to provide. This allows the credit limit of the User to be increased for the financial institution concerned. Through this process, the user can avoid the inconvenience of having to make extra change or overpay by using the cash substitute payment means.

Also, in the present invention, it is possible to additionally apply a method of separately operating the cyber money without operating the credit limit frequently and the donation procedure by operating a charging station in the form of a cyber money for the unused balance.

In addition, the form of the cash substitute payment means that can be used by the user in the present invention may be in the form of an electronic coupon or an electronic purse that can be used in a mobile device or on the Web, and an off-line printed matter or an off- And a form that can be charged to the card.

First, the prepayment process will be described with reference to FIGS. 5 to 9. The prepayment process will be described with reference to FIGS. 10 and 11. FIG.

The post-settlement process is a process in which a usage limit is secured through granting of a credit line, and settlement is performed at the time of purchasing the actual product. The post-payment process is characterized by the fact that the user issues a cash substitute payment means according to his / her own conditions, as well as having a preliminary credit card prior to purchase through credit limit provision, .

5 is a flowchart showing an electronic settlement service issuing process in a post-settlement process according to an embodiment of the present invention.

First, the user service is started (S501). Thereafter, the usage limit is inquired (S502). Then, the retrieved usage limit is viewed (S503). Subsequently, a condition for issuing a cash substitute payment method by the user is set (S504). The issuing conditions may include a limit of the amount of money to be used, a place to be used, the number of times of use, a period of use, a form of issuance, and a user. It is also possible to perform step S504 after step S501 without inquiring the use limit.

After step S504, approval of issue is requested (S505). Subsequently, the affiliated communication company or financial institution requests the credit limit of the User. In the present invention, an independent credit limit grant system may be operated without affiliation.

After step S506, the system is notified of the determination result of whether to issue the cash substitute payment method (S507). If it is possible to issue the cash substitute payment means, the result is registered in the system (S508). On the other hand, if it is not possible to issue an alternative payment method of cash, proceed from step S503 or S504 again.

After step S508, cash substitute payment means is issued (S509). The form of the alternative cash payment means may be in the form of a voucher or coupon for Web / Mobile / SMS printing, or it may be charged to a specific electronic wallet or gift card type card. On the other hand, if the issuance approval is requested after issuing the issuance approval request, the step S509 may be followed by the step S505.

6 is a flowchart illustrating an electronic payment service use process during a post-payment process according to an embodiment of the present invention.

First, the user tries to purchase using the cash substitute payment means at the use place (S601), and requests purchase approval (S602). Subsequently, it is determined whether the user's cash replacement payment method issuance specification condition is satisfied (S603). If the condition is satisfied, the purchase is recorded in the system (S604). If the condition is not satisfied, the purchase is rejected (S612).

At the completion of the settlement after step S604, the affiliated communication company or financial institution is notified of the use of the credit limit grant (S605). Thereafter, the payment is completed (S606), and the credit limit of the user is subtracted. In the present invention, step S605 may be omitted.

After step S606, it is determined whether or not the user should process the balance of the cash substitute payment means (S607). If the remaining balance remains, the process is terminated (S608). If the remaining balance remains, the user determines whether the reuse requirement is satisfied in the cash alternative payment means condition setting (S609). If the requirement is not satisfied, a process of recovering the unused amount is performed (S610). If the requirement is satisfied, the user performs the purchase through the cash substitute payment means (S611).

There are three possible cases for the unused money collection process. Hereinafter, embodiments of each case will be described with reference to Figs. 7 to 9. Fig.

FIG. 7 is a flowchart of a first embodiment illustrating an unused money collection process in a post-payment process according to an embodiment of the present invention.

First, if an unused balance occurs after the user uses the cash substitute payment means (S701), it is determined whether or not the user's cash substitute payment means issuance specifying condition is satisfied (S702). If the determination result in step S702 is continuously used, a new purchase is attempted with the balance (S703). On the other hand, if the result of the determination in step S702 indicates that the credit grant is canceled, the unauthorized credit limit is executed for the unused credit limit (S704). Thereafter, the affiliate communication company or the financial institution is requested to cancel the credit limit donation with respect to the unused balance (S705). Thereafter, when a notification is received from the affiliated communication company or the financial institution that the credit limit grant release has been processed (S706), the fact is recorded in the system (S707). Thereafter, the user is notified of the unused balance processing result (S709). If the credit limit is requested to be canceled, the financial institution may increase the credit limit of the user (S708).

8 is a flowchart of a second embodiment showing an unused money collection process in a post-payment process according to an embodiment of the present invention.

First, if the unused balance is generated after the user uses the cash substitute payment means (S801), it is determined whether or not the user's cash substitute payment means issuance specifying condition is satisfied (S802). If the determination result in step S802 is continuously used, a new purchase is attempted with the balance (S803). On the other hand, if the result of the determination in step S802 is not continuously used, the unused balance is converted into self-operated cyber money and accumulated in the user account (S804). Thereafter, the affiliate communication company or the financial institution is requested to approve payment of the unused balance (S805). Thereafter, when a notice is received from the affiliated communication company or the financial institution that the credit limit grant balance has been processed (S806), this fact is recorded in the system (S807). Thereafter, the user is notified of the processing result of the unused balance (S808).

9 is a flowchart of a third embodiment showing an unused money collection process in a post-payment process according to an embodiment of the present invention.

First, if an unused balance is generated after the user uses the cash substitute payment means (S901), it is determined whether the user's cash substitute payment means issuance specifying condition is satisfied (S902). If the result of the determination in step S902 indicates continuous use, a new purchase is attempted with the balance (S903). On the other hand, if it is determined in step S902 that the unused credit is not continuously used, it is determined whether the unused balance is to be converted into self-operated cyber money or unused (step S904).

In step S904, when the user selects to cancel the credit grant (S905), the affiliated communication company or the financial institution is requested to cancel the credit limit grant for the unused balance (S906). After receiving a notification that the credit limit grant has been canceled from the affiliated communication company or financial institution (S907), the credit limit is released to the system (S908). Thereafter, the user is notified of the processing result of the unused balance (S910). In step S906, if the donation is requested, the financial institution increases the credit limit of the user (S909).

If it is determined in step S904 that the conversion to the self-operated cyber money is selected (S911), the affiliated communication company or the financial institution is requested to approve the payment of the unused balance (S912). Thereafter, when a notification is received from the affiliated communication company or the financial institution that the payment has been made for the credit limit grant balance (S913), steps S908 and S910 are sequentially performed.

The prepayment process issues the cash substitute payment means through the cyber money charged at the time of issuance of the cash substitute payment means after the user purchases the cyber money in advance, and the cyber money is deducted at the time of purchasing the actual commodity. If there is a balance remaining, it is a conceptual process of charging the balance with cyber money (eg e-money like acorn) operated by a service provider independently. The prepayment process is characterized in that the user issues and purchases the cash substitute payment means according to his / her condition designation through the cyber money that the user purchased and paid in advance.

10 is a flowchart illustrating an electronic payment service issuing process in a prepayment process according to an embodiment of the present invention.

First, the user starts the service (S1001). Then, the usage limit is inquired (S1002), and the usage limit at this time is viewed (S1003). Then, the user sets the cyber money charge amount (S1004). On the other hand, it is possible to directly perform the step S1004 without viewing the usage limit inquiry result.

After step S1004, the cyber money is purchased (S1005). After the affiliated communication company or the financial institution confirms the credit of the user, the payment request is reviewed (S1006). Meanwhile, in the present invention, it is possible to operate an independent credit limit granting and payment system without affiliation. When the payment request is approved (S1007), the system notifies the payment approval result and registers the result in the system (S1008). At this time, the credit limit of the user is deducted. On the other hand, if the payment request is not approved (S1007), steps S1003 and S1004 are performed again.

After step S1008, the cyber money is charged (S1009). Subsequently, a condition for issuing a cash substitute payment method by the user is set (S1010). The issuing conditions include, for example, the limit of the amount of money, the place of use, the number of times of use, the period of use, the form of issuance, and the user. Subsequently, the issuance of the issuance request of the cash substitute payment means is requested (S1011). If the cyber money is charged (S1012), the system is requested to subtract the cyber money and issue the cash substitute payment means (S1013). On the other hand, if the cyber money is not charged (S1012), the process goes back to the step S1010.

The result is registered in the system after step S1013 (S1014). Subsequently, the system subtracts the cyber money (S1015) and issues cash substitute payment means (S1016).

11 is a flowchart illustrating an electronic payment service use process in a prepayment process according to an embodiment of the present invention.

First, the user tries to purchase through the cash substitute payment means at the place of use (S1101) and requests purchase approval at the time of purchase (S1102). Subsequently, it is determined whether the user's cash replacement payment method issuance specification condition is satisfied (S1103). If the condition is satisfied, the fact of purchase is recorded in the system (S1104), and the purchase is completed (S1105). On the other hand, if the condition is not satisfied, the purchase is rejected (S1112).

Thereafter, it is determined whether or not the user should process the cash substitute payment means balance (S1106). If the remaining balance remains, the process is terminated (S1107). If the remaining balance remains, it is determined whether the reuse requirement is satisfied in the user's cash replacement payment condition setting (S1108). When the reuse requirement is satisfied, the purchase through the user's cash substitute payment means is retried (S1109), and then the process is repeated from step S1102. On the other hand, if the reuse requirement is not satisfied, the balance of the user's cash substitute payment means is automatically charged to the self-operated cyber money (S1110). The charged cyber money can then be used when purchasing an alternative cash payment service. After step S1110, the user is notified of the processing result of the unused balance (S1111).

Next, the settlement processing method of the settlement processing system described with reference to Figs. 1 to 4 will be described. 12 is a flowchart schematically showing a payment processing method according to a preferred embodiment of the present invention. The following description refers to Figs. 1 to 4 and 12. Fig.

First, the alternative payment means generation unit 210 generates an alternative payment means in which the conditions are determined by the user or the authorized institution server 130 (S20) (S20). The alternative payment means generation unit 210 may generate a new alternative payment means by changing conditions according to the request of the user or the person having the alternative payment means.

If the condition is determined by the user, steps S10 and S20 may be specified as follows.

The usage limit input unit 310 receives a usage limit of the substitute payment means from the user as a condition. Then, the usage-limit determining unit 320 determines whether or not the usage limit based on the user's credit limit is possible (S10). Thereafter, the condition-based generation unit 330 generates an alternative payment means based on the usage limit according to the determination result (S20). If it is determined that the usage limit is impossible, the condition-based generation unit 330 generates an alternative payment means based on the usage limit. If it is determined that the usage limit is impossible, the condition- And creates an alternative payment means using the limit selected by the user. On the other hand, the condition-based generation unit 330 may add at least one condition of the use place, the use time, the usable period and the user to use when generating the substitute payment means.

On the other hand, when the condition is determined by the authorized institution server 130, steps S10 and S20 may be specified as follows.

The credit limit input unit 340 receives the credit limit of the user from the authorized institution server 130 under the condition. Thereafter, the usage limit selecting unit 350 selects the credit limit as the usage limit of the alternative payment means, or receives the usage limit selected by the user within the credit limit (S10). Thereafter, the condition-based generation unit 330 generates an alternative payment means based on the selected usage limit or the entered usage limit (S20).

If the usage limit of the alternative payment means is determined as a condition between the steps S10 and S20, the prepayment processing unit 410 interlocks with the financial institution server 140 or the settlement service company server 150 to perform the payment for the usage limit , And the generation of the alternative payment means can be controlled by the usage limit as much as the cost is paid (S15).

Between step S15 and step S20, the credit limit adjuster 430 may subtract the use limit of the generated substitute payment means or the settlement processed fee from the credit limit of the user (S16). In this embodiment, step S16 may be performed between step S20 and step S30. That is, step S16 may be performed between step S20 and step S25 or step S25 and step S30.

Between step S20 and step S30, the substitute payment means output unit 450 outputs the generated substitute payment means to a card or mobile terminal designated by the user or the user, or outputs it to the printed matter through the printer selected by the user S25). However, the present invention is not limited to this, and the alternative payment means generation unit 210, in particular, the condition-based generation unit 330 may be configured such that the use conditions including the usage limit defined in the alternative payment means are held by a user or a user It is also possible to add it to the card.

After step S20, the payment processing unit 220 performs settlement processing for real-time purchases and service use with the generated substitute payment means (S30).

After step S30, the settlement processing unit 420 sums up the settlement processed by the substitute payment means at predetermined time intervals, and interlocks with the financial institution server 140 or the settlement service company server 150 to settle the summed costs (S35).

On the other hand, after step S35, the credit limit adjuster 430 may subtract the use limit of the generated substitute payment means or the settlement processed fee from the credit limit of the user (S36). If steps S15 and S16 are performed in this embodiment, steps S35 and S36 may be omitted. It is also possible that steps S15 and S36 are performed together or steps S16 and S35 are performed together.

On the other hand, if the usage limit of the alternative payment means is not exhausted at the time of the payment processing, the balance processing unit 440 stores the balance or newly creates the alternative payment means using the balance or increases the credit limit of the user (S40). The step S40 may be performed after the step S36, but may be performed between the steps S30 and S35.

It is to be understood that the present invention is not limited to these embodiments, and all elements constituting the embodiment of the present invention described above are described as being combined or operated in one operation. That is, within the scope of the present invention, all of the components may be selectively coupled to one or more of them. In addition, although all of the components may be implemented as one independent hardware, some or all of the components may be selectively combined to perform a part or all of the functions in one or a plurality of hardware. As shown in FIG. In addition, such a computer program may be stored in a computer readable medium such as a USB memory, a CD disk, a flash memory, etc., and read and executed by a computer to implement an embodiment of the present invention. As the recording medium of the computer program, a magnetic recording medium, an optical recording medium, a carrier wave medium, and the like can be included.

Furthermore, all terms including technical or scientific terms have the same meaning as commonly understood by one of ordinary skill in the art to which this invention belongs, unless otherwise defined in the Detailed Description. Commonly used terms, such as predefined terms, should be interpreted to be consistent with the contextual meanings of the related art, and are not to be construed as ideal or overly formal, unless expressly defined to the contrary.

It will be apparent to those skilled in the art that various modifications, substitutions and substitutions are possible, without departing from the scope and spirit of the invention as disclosed in the accompanying claims. will be. Therefore, the embodiments disclosed in the present invention and the accompanying drawings are intended to illustrate and not to limit the technical spirit of the present invention, and the scope of the technical idea of the present invention is not limited by these embodiments and the accompanying drawings . The scope of protection of the present invention should be construed according to the following claims, and all technical ideas within the scope of equivalents should be construed as falling within the scope of the present invention.

100: Payment processing system 110: Payment processing device
120: User terminal 130: Authorized institution server
140: financial institution server 150: payment service provider server
160: Printer 210: Alternative Payment Means Generation Unit
220: payment processor 230:
240; Main control unit 310: Usage limit input unit
320: Usage limit determination unit 330: Condition-based generation unit
340: Credit limit input unit 350: Usage limit selection unit
410: prepayment processing section 420: postpayment processing section
430 credit limit adjuster 440 balance processor
450: Alternate payment means output section

Claims (37)

An alternative payment means generation step of generating an alternative payment means whose condition is determined by a user or a certified institution server; And
A payment processing step of real-time payment processing for purchase of goods or use of the service by the generated alternative payment means
And a payment processing unit for processing the settlement processing. The method according to claim 1,
The alternative payment means generation step includes:
A usage limit input step of receiving a usage limit of the alternative payment means from the user on the condition;
A usage limit determining step of determining whether the usage limit is possible based on the credit limit of the user; And
And a condition-based generation step of generating the substitute payment means based on the utilization limit according to the discrimination result
And a payment processing unit for processing the settlement processing. 3. The method of claim 2,
Wherein the condition-based generation step generates the alternative payment means by using the usage limit if it is determined that the usage limit is possible, and if the usage limit is determined to be impossible, And the alternative payment means is created by using the limit selected by the user. The method according to claim 1,
The alternative payment means generation step includes:
A credit limit input step of receiving a credit limit of the user from the accredited institution server under the condition;
A use limit selecting step of selecting the credit limit as a use limit of the substitute payment means or receiving a usage limit selected by the user within the credit limit; And
A condition-based generation step of generating the substitute payment means based on the selected usage limit or the entered usage limit
And a payment processing unit for processing the settlement processing. The method according to claim 2 or 4,
Wherein the condition-based generation step adds at least one condition of a use place, a use time, a usable period, and a user when creating the substitute payment means. The method according to claim 1,
Wherein the alternative payment means generation step generates the new alternative payment means by changing the condition according to the request of the user or the person having the alternative payment means. The method according to claim 1,
If the use limit of the alternative payment means is determined based on the above conditions, the settlement system performs cost settlement for the use limit in cooperation with a financial institution server or a settlement service provider server, and generates the alternative payment means A preprocessing process step of controlling; or
A post-settlement processing step of summing the settlement processed by the substitute payment means at predetermined time intervals, and performing settlement for the summed-up expenses in cooperation with the financial institution server or the settlement service provider server
Further comprising the step of transmitting the payment information to the payment server. 8. The method of claim 7,
The prepayment processing step may include: a cost settlement step of performing the cost settlement; A cyber money charging step of charging the cyber money corresponding to the charged cost; And a first credit limit adjustment step of subtracting the settlement cost from the credit limit of the user, wherein the generation step of generating the alternative payment means is a step of generating the substitute payment means with the charged cyber money,
And a post-settlement processing unit that performs the post-settlement processing step, wherein the settlement processing system performing the settlement processing method is performed before the post-settlement processing step, and subtracts the settlement processed cost from the credit limit of the user The second credit limit adjustment step
Further comprising the step of transmitting the payment information to the payment server. The method according to claim 1,
When the usage limit of the alternative payment means has not been exhausted at the time of settlement processing, a balance processing step of accumulating the balance or creating the new alternative payment means using the balance or increasing the credit limit of the user to the balance
Further comprising the step of transmitting the payment information to the payment server. The method according to claim 1,
Outputting the generated alternative payment means to a card or mobile terminal of the user designated by the user or the user, or outputting the printed alternative through the printer selected by the user
, ≪ / RTI >
Wherein the alternative payment means generation step adds the usage limit to the card selected by the user or the designated person when the condition is the use limit of the substitute payment means. An alternative payment means generation unit for generating an alternative payment means whose conditions are determined by a user or a certified institution server; And
A settlement processing unit for performing settlement processing on the purchase of goods or the use of the service in real time by the generated alternative payment means
Wherein the settlement processing system comprises: 12. The method of claim 11,
Wherein the alternative payment means generating unit comprises:
A usage limit input unit for receiving a usage limit of the alternative payment means from the user on the condition;
A usage limit determining unit for determining whether the usage limit is possible based on a credit limit of the user; And
Based on the usage limit according to the determination result,
Wherein the settlement processing system comprises: 13. The method of claim 12,
Wherein the condition-based generation unit generates the alternative payment means by the usage limit if it is determined that the usage limit is possible, and if the usage limit is determined to be impossible, And the alternative payment means generates the alternative payment means using the limit selected using the alternative payment means. 12. The method of claim 11,
Wherein the alternative payment means generating unit comprises:
A credit limit input unit for receiving a credit limit of the user from the accredited institution server under the condition;
A usage limit selecting unit that selects the credit limit as a usage limit of the alternative payment unit or receives a usage limit selected by the user within the credit limit; And
Based on the selected usage limit or the inputted usage limit,
Wherein the settlement processing system comprises: 15. The method according to claim 12 or 14,
Wherein the condition-based generation unit adds at least one condition of a use place, a use time, a usable period and a user to use when generating the substitute payment means. 12. The method of claim 11,
Wherein the alternative payment means generation unit generates the new alternative payment means by changing the condition according to the request of the user or the person having the alternative payment means. 12. The method of claim 11,
If the use limit of the alternative payment means is determined based on the above conditions, the settlement system performs cost settlement for the use limit in cooperation with a financial institution server or a settlement service provider server, and generates the alternative payment means A prepayment processor for controlling the prepayment processor; or
A settlement processing unit for summing the settlement processed by the substitute payment means at predetermined time intervals and performing settlement for the summed up fee in cooperation with the financial institution server or the settlement service company server,
Further comprising: a settlement processing unit that cleans the settlement processing unit; 18. The method of claim 17,
The prepayment processing unit may include: a cost settlement unit for performing the cost settlement; A cyber money charging unit charging the cyber money corresponding to the charged money; And a first credit limit adjuster for subtracting the settlement cost from the credit limit of the user, wherein the alternative payment means generator generates the alternative payment means with the charged cyber money,
When the settlement processing system includes the post-settlement processing unit before the post-settlement processing unit performs the settlement, a second credit limit adjusting unit that subtracts the settlement processed cost from the credit limit of the user,
Further comprising: a settlement processing unit that cleans the settlement processing unit; 12. The method of claim 11,
When the usage limit of the substitute payment means is not exhausted at the time of settlement processing, a balance processing unit for accumulating the balance or creating the substitute payment means using the balance or increasing the credit limit of the user to the balance
Further comprising: a settlement processing unit that cleans the settlement processing unit; 12. The method of claim 11,
Outputting the generated alternative payment means to a user's card or a mobile terminal specified by the user or outputting the printed alternative through a printer selected by the user,
, ≪ / RTI >
Wherein the substitute payment means generation unit adds the usage limit to the card selected by the user or the designated person when the condition is the use limit of the substitute payment means. A condition determining step of determining a condition through a user or a certified institution server; And
A condition based generation step of generating an alternative payment means based on the determined condition
≪ / RTI > 22. The method of claim 21,
The condition determination step may include:
A usage limit input step of receiving a usage limit of the alternative payment means from the user on the condition; And
A utilization limit determination step of determining whether the usage limit is possible based on the credit limit of the user
/ RTI >
Wherein the condition-based generation step generates the alternative payment means based on a usage limit according to the discrimination result. 23. The method of claim 22,
Wherein the condition-based generation step generates the alternative payment means by using the usage limit if it is determined that the usage limit is possible, and if the usage limit is determined to be impossible, Wherein said alternative payment means is created with a limit selected using a limit selected by a user. 22. The method of claim 21,
The condition determination step may include:
A credit limit input step of receiving a credit limit of the user from the accredited institution server under the condition; And
A usage limit selection step of selecting the credit limit as a use limit of the substitute payment means or receiving a usage limit selected by the user within the credit limit
/ RTI >
Wherein said condition-based generation step generates said alternative payment means based on a selected usage limit or an entered usage limit. 25. The method according to claim 22 or 24,
Wherein the condition-based generation step adds at least one condition of a use place, a use time, a usable period, and a user when creating the alternative payment means. 22. The method of claim 21,
Wherein the condition-based generation step generates the new alternative payment means by changing the condition according to the request of the user or the person having the alternative payment means. 22. The method of claim 21,
A credit limit adjustment step of subtracting the use limit of the generated substitute payment means from the credit limit of the user
Further comprising the steps of: 22. The method of claim 21,
Outputting the generated alternative payment means to a card or mobile terminal of the user designated by the user or the user, or outputting the printed alternative through the printer selected by the user
, ≪ / RTI >
Wherein the condition-based generation step adds the utilization limit to the card selected by the user or the designated person when the condition is the utilization limit of the substitute payment means. A condition determination unit for determining a condition through a user or a certified institution server; And
A condition-based generating unit for generating an alternative payment means based on the determined condition;
And a second payment means for receiving the payment information. 30. The method of claim 29,
Wherein the condition determining unit determines,
A usage limit input unit for receiving a usage limit of the alternative payment means from the user on the condition; And
A usage limit determining unit for determining whether the usage limit is possible based on the credit limit of the user;
/ RTI >
Wherein the condition-based generating unit generates the substitute payment means based on a use limit according to the discrimination result. 31. The method of claim 30,
Wherein the condition-based generation unit generates the alternative payment means by the usage limit if it is determined that the usage limit is possible, and if the usage limit is determined to be impossible, Said alternative payment means generating said alternative payment means with a limit selected using a limit selected by said payment means. 30. The method of claim 29,
Wherein the condition determining unit determines,
A credit limit input unit for receiving a credit limit of the user from the accredited institution server under the condition; And
A use limit selecting unit which selects the credit limit as a usage limit of the substitute payment means or receives a usage limit selected by the user within the credit limit,
/ RTI >
Wherein the condition-based generating unit generates the substitute payment means based on the selected usage limit or the usage limit inputted. 33. The method of claim 30 or 32,
Wherein the condition-based generation unit adds at least one condition of a use place, a use time, a usable period, and a user when creating the substitute payment means. 30. The method of claim 29,
Wherein the condition-based generation unit changes the condition according to a request of the user or the person having the alternative payment means to newly generate the alternative payment means. 30. The method of claim 29,
A credit limit adjuster for subtracting the usage limit of the generated substitute payment means from the credit limit of the user,
Further comprising: means for generating an alternative payment means. 30. The method of claim 29,
Outputting the generated alternative payment means to a user's card or a mobile terminal specified by the user or outputting the printed alternative through a printer selected by the user,
, ≪ / RTI >
Wherein the condition-based generation step adds the usage limit to the card selected by the user or the designated person when the condition is the utilization limit of the substitute payment means. Characterized in that the conditions are determined by a user or an accredited institution server.

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