KR101138416B1 - Payment system and method for international transaction using a virtual account - Google Patents

Abstract

When an international transaction is concluded between terminals located in different countries through the network, the payment system provides the importer terminal with a virtual account number managed by the importer financial transaction servers of the corresponding country. When the transaction price is deposited to the predetermined virtual account number of the predetermined importer financial transaction server, the payment system instructs the importer financial transaction server to transfer the transaction price to the real account corresponding to the virtual account number. Subsequently, when the goods are delivered according to the transaction by the exporter, the payment system instructs the importer's financial transaction server to transfer the transaction price of the real account to the real account of the exporter's financial transaction server. Provide to the exporter.

Description

Payment system and method for international transaction using a virtual account {Payment system and method for international transaction using a virtual account}

The present invention relates to a payment system and a method thereof, and more particularly, to a system and a method for performing payment for international transactions using a virtual account through a network such as the Internet.

With the rapid increase in the spread of the Internet, electronic commerce for the whole world is being made through the same medium called the Internet. E-commerce is generally business-to-business (BtoB), business-to-customer (BtoC), business-to-customer (CtoC) or business-to-business (BtoG). It includes a series of activities for buyer marketing, advertising, procurement, service, production, transportation, and purchase, as well as commerce involving the flow of money using electronic media and electronic technologies and means under an integrated automated information system environment. do.

As electronic commerce becomes more active, not only domestic trading but also international trading is taking place. Most of the transactions between companies and consumers take up a large portion, but they are moving to business-to-business transactions. As the international business is generalized according to this trend, an electronic trade is being developed in which part or all of the trade is performed by using an information communication network having information processing capability such as a computer. For convenience of explanation, transactions made between buyers (individual or corporate) and sellers (individual or corporate) located in different countries using the information communication network are referred to as "international transactions", which include electronic trade.

However, there are a lot of inconveniences and risks when using a conventional payment method (for example, remittance payment method, payment method using credit and collection, etc.) for such international transactions.

Specifically, in the case of a remittance payment method using a general bank account, if a transaction is made according to a prepayment payment method in which a payment is remitted before the goods are delivered, the buyer does not receive the goods or the payment amount for the return There may be a risk of failing to recover them. In addition, if the transaction is made according to the post-payment method of remittance of the payment after the buyer has received the goods, the seller may not receive payment or receive payment from the buyer even though the seller has delivered the goods. There is a risk that cannot be done.

There are two types of payment methods, namely, Document against Payment (D / P) and Document against Acceptance (D / A). If the transaction is made according to the two methods, the seller does not receive payment or recover the goods. This happens. In addition, in the case of the D / P method, the buyer cannot check the contents of the goods before paying the payment, and in the case of the D / A method, it is impossible to check the contents of the goods before taking the goods.

There are two methods of payment using a letter of credit: a payment method and a payment method. In the case of a seller, there is a burden of providing collateral for the purchase of an export bill when a transaction is made according to the two methods. In addition, even in the case of a buyer, there is a problem that it is difficult to check the contents of the goods before providing collateral or opening payments or receiving the goods.

In addition to these traditional payment methods, payment methods such as a trade card, BOLERO (bill of lading electronic registry organization), and an identity truss, and a method of paying transactions according to electronic trade using a credit card, Technologies are being developed. However, these new payment methods have a disadvantage, such as the hassle that the buyer has to issue and have a separate card, there is a disadvantage that you can not do the transaction without the card.

The technical problem to be achieved by the present invention is to provide a payment method and system that can more conveniently and reliably make payments for international transactions made through a network using a virtual account.

The payment method according to the characteristics of the present invention for achieving the technical problem, in the payment method of the system for performing the payment processing according to the international transactions of the importer and exporter through the network, the system, the importer through the network Receiving deposit related information indicating that the transaction price according to the international transaction has been deposited to an import virtual account managed by an import financial transaction server; Sending, by the system, an instruction to transfer the transaction amount deposited into the import virtual account to an import real account corresponding to the import virtual account, to the import financial transaction server; And exporting, by the system, if the notification that the importer has acquired the goods according to the transaction through the network is performed, an export finance transaction server manages a transaction price deposited in the import real account to the import finance transaction server. Instructing the transfer to a real account.

The payment system according to another aspect of the present invention is a system for performing payment processing according to international transactions of importers and exporters via a network, wherein the international payment is controlled by an import virtual account number managed by a predetermined importer financial transaction server selected by the importer. Confirming that the transaction price according to the transaction has been deposited through the network, and performing a transfer process of the transaction price deposited into the import virtual account to the import real account corresponding to the import virtual account in connection with the import financial transaction server; Deposit confirmation unit; And in response to a notification that the importer has acquired the goods according to the transaction, transfer the transaction price deposited in the import real account to an export real account managed by an export finance transaction server in association with the import finance transaction server. It includes a payment processing unit to perform.

According to an embodiment of the present invention, payment for international transactions made through a network can be made more convenient. In particular, both the buyer and seller can reliably pay and receive the transaction price, and even if there is a defect in the goods, the buyer can easily return it, and in particular, the price of the deposit box can be safely protected until the goods are checked for abnormality. .

In addition, the seller can easily sell the goods abroad, without the need to provide a separate collateral, buyers can also easily purchase overseas goods without providing a separate collateral. As a result, export performance can be improved.

Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings so that those skilled in the art may easily implement the present invention. As those skilled in the art would realize, the described embodiments may be modified in various different ways, all without departing from the spirit or scope of the present invention. In the drawings, parts irrelevant to the description are omitted in order to clearly describe the present invention, and like reference numerals designate like parts throughout the specification.

Throughout the specification, when a part is said to "include" a certain component, it means that it can further include other components, without excluding other components unless specifically stated otherwise.

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

In the following embodiments, transactions made between buyers (individual or corporate) and sellers (individual or corporate) located in different countries using the network are referred to as "international transactions", and such international transactions include electronic trade. . Here, buyers doing international transactions are named "importers" for convenience of explanation, and sellers are named "exporters".

In addition, in the embodiment of the present invention, the virtual account number is a mutually promised number for sending and receiving a transaction, and the bank's account number type or other identifiable number (for example, e-mail, phone number, credit card number, etc.). It includes everything.

In addition, hereinafter, a payment system and a method thereof according to an exemplary embodiment of the present invention will be described by taking payment of an international transaction between an exporter located in a home country and an importer located in a foreign country.

1 illustrates a network connection state of an international transaction settlement system using a virtual account according to an embodiment of the present invention.

International transaction payment system using a virtual account according to an embodiment of the present invention (hereinafter, for convenience of description, referred to as payment system) 100, as shown in Figure 1, the network (not shown) Is connected to the market place (market place) system 200, in addition to the exporter terminal 300, can be connected to the importer terminal 400. In this case, it may be connected to the exporter and importer terminals 300 and 400 via the market place system 200. In addition, the payment system 100 is an exporter financial transaction server 500 that functions as a financial institution of a country corresponding to the exporter terminal 300, and an importer financial transaction server that functions as a financial institution of a country corresponding to the importer terminal 400. Connected to 600. In addition, the payment system 100 may be connected to the delivery system 700 and the forex trading system 800.

The market place system 200 performs international transactions and specifically provides goods related information to buyers who register and access goods to be sold, that is, importers, so that transactions can be made. Herein, the article includes both tangible or intangible articles (e.g. services) that can be traded. The market place system 200 provides the export terminal 300 with a transaction conclusion history for an international transaction concluded when an international transaction for a predetermined article is concluded. Here, the transaction execution history may include information about the goods (e.g., identification number, seller identification number, etc.) assigned to the goods, buyer information (buyer identification number, buyer name or company name, contact information, etc.), payment related information (payment). Amount, virtual account number to which the payment amount will be deposited, etc.). Buyer information may include information about credit ratings for transactions granted on a per buyer basis.

The market place system 200 may include a database for managing information on goods to be sold and managing information on sellers providing the goods, that is, exporters, and accessing them through a network based on such information. Since technical means for making an item purchase to users are already known, a detailed description of the market place system 200 is omitted here. The market place system 200 performs payment processing for an international transaction concluded with respect to a predetermined article in connection with a payment system 100 according to an embodiment of the present invention described later.

The exporter terminal 300 and the importer terminal 400 are clients that are trading entities (buyers and sellers) who wish to conduct international transactions, and may be, for example, a server operated by an enterprise, and in addition, an Internet explorer on Microsoft. Or a communication device such as a computer using a web browser such as a navigator on Netscape, a mobile communication terminal, a PDA, a TV having an Internet connection function, or the like.

The exporter financial transaction server 500 may be a financial institution of a country corresponding to the exporter terminal 300, for example, a financial institution such as a bank. The importer financial transaction server 600 is a financial institution of a country corresponding to the importer terminal 400 and may be, for example, a financial institution such as a bank. The importer financial transaction server 600 and the exporter financial transaction server 500 may operate in conjunction with a local online financial network of the corresponding country, and may perform functions such as real time communication, transfer between accounts, and data exchange. .

Meanwhile, the payment system 100 is connected to the terminals 300 and 400, the systems 200, 700 and 800, and the servers 500 and 600 to perform payment processing for international transactions between exporters and importers according to an embodiment of the present invention. In particular, in the embodiment of the present invention, the payment system 100 performs payment processing for international transactions made between an exporter and an importer using a virtual account.

A virtual account is a deposit confirmation number assigned to a customer by a company having a plurality of customers to facilitate the deposit and withdrawal of funds. Virtual accounts are given directly to customers by the company, unlike real accounts with no bank deposits granted to companies by banks.

In an embodiment of the present invention, payment is performed based on an escrow service using a virtual account for international transactions. The escrow service does not transfer money directly to the exporter even if the importer deposits the money, but authorizes the importer to deposit the money into the account of the exporter.

In order to perform settlement while providing virtual account-based escrow service in international transactions, the importing financial transaction server and the exporting financial transaction server each have a real account corresponding to the counterpart server and a virtual account corresponding to the real account. Can be. For example, the exporter financial transaction server opens a real account managed by the importer financial transaction server, and a virtual account for payment for international transactions is given in response to the real account. In addition, if necessary, the importer financial transaction server may open a real account managed by the exporter financial transaction server, and in this case, a virtual account may be granted to correspond to the real account.

The virtual account corresponding to the real account consists of a number generated according to the virtual account generation rule of the country. That is, the virtual account corresponding to the real account opened by the exporter financial transaction server through the importer financial transaction server has a number generated according to the virtual account generation rule of the importer financial transaction server.

Accordingly, the importer financial transaction server 600 and the exporter financial transaction server 500 may manage the real account opened at the request of the financial transaction server of another country and the corresponding virtual account number as described above. Not shown).

Information about the virtual account number and the corresponding real account number generated by each importer financial transaction server 600 and exporter financial transaction server 500 is provided to the payment system 100 according to an embodiment of the present invention, The system 100 performs payment processing based on an escrow service for international transactions made in the marketplace system 200 based on this information.

Payment system according to an embodiment of the present invention has the following structure.

2 is a diagram showing the structure of a payment system according to an embodiment of the present invention.

As shown in FIG. 2, the payment system 100 according to the embodiment of the present invention includes an account manager 10, an account information provider 20, a deposit checker 30, a delivery processor 40, It includes a payment processing unit 50, an account information database (DB) 60, a transaction history database 70, and may further include a subscriber management unit 80, subscriber information database 90.

The account manager 10 manages account information of financial institutions affiliated with payment processing for each country, that is, account information including a real account number in a predetermined country opened by financial transaction servers and a virtual account number corresponding thereto. For example, each country includes a real account number opened through an importer financial transaction server, and at least one virtual account number corresponding to the real account number and generated based on a virtual account creation rule of a server of the country. Manage account information. To this end, the account information database 60 stores the real account number established by the exporter financial transaction server or the payment system and at least one virtual account number corresponding to each importer financial transaction server in each country.

When the account information providing unit 20 receives a request for payment processing using a virtual account for a predetermined international transaction through the market place system 200, the account information providing unit 20 receives a corresponding information from the account information database 60 according to the country of importer corresponding to the request. The virtual bank numbers established by the exporter financial transaction server are provided to the importer terminal 400 through the importer financial transaction servers of the country.

The deposit confirmation unit 30 confirms whether the transaction price according to the international transaction concluded with the virtual account number managed by the predetermined importer financial transaction server selected by the importer terminal. In detail, the deposit confirmation unit 30 stores a predetermined virtual account number selected by the importer terminal 400, a transaction price to be deposited into the corresponding virtual account, and information about the depositor. Then, if the information related to the amount deposited with the virtual account number and the depositor is provided from the importer financial transaction server 600 managing the selected virtual account number, the information related to the deposit information and the stored information are compared and matched. The financial transaction server 600 requests to transfer the amount deposited in the virtual account number to the real account number corresponding to the virtual account number.

When the delivery processing unit 40 confirms that the amount according to the transaction is received from the importer who concluded the international transaction with the virtual account number, the market place system 200 or directly to the exporter terminal 300 for the goods. Send shipping instructions.

The payment processing unit 50, when the goods according to the concluded international transaction is delivered to the importer, in order to pay the exporter for the transaction according to the international transaction to the exporter, the real account number from the virtual account number to the importer financial transaction server 600 Request to transfer the amount transferred to the real account managed by the exporter financial transaction server 500. Accordingly, the transaction price deposited in the real account of the importer's financial transaction server 600 is transferred to the real account of the exporter's financial transaction server 500, and then the transaction price is transferred to the real account of the exporter's financial transaction server 500. The payment processing unit 50 pays the seller, that is, the exporter, for the transaction price deposited into the real account of the exporter financial transaction server 500.

On the other hand, the payment processing unit 50 when the payment to the exporter is completed, notifies the foreign exchange trading system 800 of the export contract details for the corresponding international transaction.

The transaction history database 70 includes deposits including information on the marketplace system where the transaction is concluded, the virtual account number selected by the importer, the transaction amount to be deposited to the virtual account, and information about the depositor, for each international transaction concluded. The relevant information is stored. In addition, when payment processing is completed, the payment processing details such as information on the exporter who has paid the corresponding transaction and the exporter's real account number are stored. In particular, the exchange information for the transaction price for each country and currency according to the payment processing according to the international transaction may be stored.

Meanwhile, the subscriber manager 41 manages information on users registered as subscribers who can make a payment using a virtual account. For example, payment processing according to an embodiment of the present invention with respect to exporters. Register as possible subscribers and manage subscriber information. Managed information is stored in the subscriber information database 90, and the subscriber information database 90 contains information about the seller, that is, exporters, for example, subscriber number, exporter name, business address, business number, contact information, and the like. It is stored. In addition, information such as credit rating according to transaction details may be additionally stored for each exporter.

Meanwhile, the market place system 200 according to an exemplary embodiment of the present invention may be an institution operated by an institution (for example, the Korea Chamber of Commerce and Industry) that performs overall management of an international transaction or performs a monitoring function. Alternatively, the market place system 200 may be a system operated by a seller (exporter).

In this embodiment, each component of the payment system 100 is classified as described above, but is not necessarily limited to the above classified state.

Hereinafter, for convenience of description, a virtual account created and managed by the importer financial transaction servers is called an "import virtual account", and a real account corresponding to the import virtual account is called "import real account". The import real account may be an account opened by an exporter financial transaction server, an account opened by a payment system, or an account opened by a market place.

When the deposit and delivery process for the concluded international transaction is completed, the transaction price deposited in the import real account is transferred, and the real account managed by the exporter financial transaction server is referred to as an "export real account".

Next, an international transaction settlement method using a virtual account according to an embodiment of the present invention will be described based on such a structure.

3 and 4 are flowcharts illustrating an international payment method using a virtual account according to an embodiment of the present invention. 5 is a diagram showing, for example, information made between components when performing a payment method according to an embodiment of the present invention.

First, for international transactions, the exporter registers the goods to be sold through the exporter terminal 300 in the market place system 200. The market place system 200 manages information on registered items, and provides goods-related information to importer terminals 400 connected through a network, thereby making international transactions.

3 and 5, when an importer located in a different country than the exporter terminal 300 accesses the market place system 200 through the terminal 400 to purchase goods, the market place system ( 200 concludes an international transaction for the purchased goods, and then performs payment processing in connection with the payment system 100 (S100).

When the payment processing request from the market place system 200 is input (S110), the payment system 100 manages the importer financial transaction servers 600 of the country corresponding to the importer terminal 400 that concluded the transaction. The information of the account is provided to the importer terminal 400. That is, an import virtual account number managed by at least one importer financial transaction server is provided to the importer terminal 400 so that the importer selects one. In this case, the two or more virtual account numbers may be virtual accounts managed by different importer financial transaction servers (S120).

On the other hand, the market place system 200 transmits the transaction conclusion history for the concluded international transaction to the exporter terminal 300. In this case, the transaction execution history transmitted may include information on the traded goods, buyer information, payment related information, and the like.

The importer who receives the import virtual account from the payment system 100 selects one import virtual account, and information corresponding to the selected import virtual account is provided to the payment system 100 (S130). The payment system 100 stores deposit related information including information on the selected income virtual account, the amount to be deposited, and the depositor (S140).

Meanwhile, when the importer deposits a transaction price into the selected import virtual account, the importer financial transaction server 600 managing the account notifies the fact of the deposit while providing the payment related information to the payment system 100 (S150 to S160). .

When the payment related information is provided from the importer financial transaction server 600, the payment system 100 compares the deposit related information with the stored payment information (S170), and if the match is matched to the import virtual account with the importer financial transaction server 600. Instruct the deposit amount to be transferred to the corresponding import real account number (b180). When it is confirmed that the transaction price is deposited into the virtual account from the importer who concluded the transaction, the transaction price is transferred to the real account, not the virtual account (S190).

When the transaction price is transferred to the imported real account number, the payment system 100 notifies the marketplace system 200 that the deposit of the transaction price is completed along with the payment details (S200). The market place system 200 or the payment system 100 instructs the exporter terminal 300 to deliver the goods when the payment of the transaction price is completed. The exporter can deliver the goods to the importer through a domestic logistics company or an overseas logistics company.

Then, as shown in Figures 4 and 5 attached, when the information that the goods received from the importer terminal 400 is sent, the market place system 200 notifies the payment system 100 that the delivery is completed ( S300), the payment system 100 instructs the importer financial transaction server 600 to transfer the transaction price deposited in the import real account to the export real account managed by the exporter financial transaction server 500 (S310 to S320). . As a result, the transaction price is transferred from the import real account to the export real account, thereby paying the selling price to the exporter (S330). In particular, in this case, only if it is confirmed that the goods delivered through the importer terminal 400 is free of defects, as described above, the transfer of payments from the import virtual account to the import real account is made, even though the wrong goods are delivered. It is possible to prevent a case where a refund or an exchange is not made.

Meanwhile, the payment system 100 may notify the foreign exchange transaction system 800 of the foreign exchange transaction history according to the international transaction.

The process of performing the payment method according to an embodiment of the present invention through a first financial institution in Korea and a second financial institution in a foreign country will be described as an example.

6 is an exemplary view showing a process of performing a payment method according to an embodiment of the present invention.

Herein, it is assumed that a first financial institution in Korea performs settlement according to an international transaction in connection with the market place system 200. In other words, the first financial institution functions as a payment system 100 and also functions as an exporter financial transaction server.

When a foreign buyer, that is, an importer, makes an international transaction through the market place system 200, the second financial institution of the exporting country where the first financial institution stays with the importer through the market place system 200 is managed. Provides information about the import virtual account. The second financial institution here functions as an importer financial transaction server.

Then, when the importer deposits the transaction amount into the import virtual account of the second financial institution, the second financial institution notifies the first financial institution, and then, at the request of the first financial institution, the second financial institution enters the import virtual account. Transfer the deposited transaction amount to the import real account. Here, the import real account is a real account opened by the first financial institution in the second financial institution, and is a mother account mapped to the import virtual account number.

The first financial institution directs the shipment from the exporter, either directly or through the marketplace system, and when the notification from the importer that the delivery is complete is passed through the marketplace system, the first financial institution withdraws the transaction amount deposited into the import real account to the second financial institution. 1 Instruct the financial institution to transfer to an export real account. The exporter may be an account opened by the exporter at the first financial institution, an account opened by the first financial institution for international transactions using a virtual account, or a market place system may be established at the first financial institution. It may be an account you have open. If the export real account is not in the name of the exporter, the transaction payment made in the export real account must be transferred to the exporter's account to complete the payment process for the exporter.

On the other hand, in the above embodiment, by using a digital signature when transferring data between the importer financial transaction server and the exporter financial transaction server, the importer and exporter, the importer and the importer financial transaction server, the exporter and the exporter financial transaction server, and the like to improve the stability Can be.

Meanwhile, in the above-described embodiment, the payment system according to the embodiment of the present invention may be implemented through a device including a central processing unit, a memory, and an input / output unit. In this case, the account management unit 10, the account information providing unit 20, the deposit confirmation unit 30, the delivery processing unit 40, and the payment processing unit 50 of the payment system according to the embodiment of the present invention are loaded in a memory. It may be executed by the central processing unit to perform the operation as described above.

The embodiments of the present invention are not limited to the above-described apparatuses and / or methods, but may be implemented through a program for realizing functions corresponding to the configuration of the embodiment of the present invention, a recording medium on which the program is recorded And such an embodiment can be easily implemented by those skilled in the art from the description of the embodiments described above.

Although the embodiments of the present invention have been described in detail above, the scope of the present invention is not limited thereto, and various modifications and improvements of those skilled in the art using the basic concepts of the present invention defined in the following claims are also provided. It belongs to the scope of rights.

1 is a diagram illustrating a network connection state of an international transaction settlement system using a virtual account according to an embodiment of the present invention.

2 is a structural diagram of an international transaction settlement system using a virtual account according to an embodiment of the present invention.

3 is a flowchart illustrating an international transaction settlement method using a virtual account according to an embodiment of the present invention.

4 is an exemplary view showing an information transmission process according to a payment method according to an embodiment of the present invention.

5 is an exemplary view showing a process of performing a payment method through a financial institution according to an embodiment of the present invention.

Claims (10)

In the payment method of the system that performs payment processing according to international transactions of importers and exporters through the network, Receiving, by the system, a payment processing request from a market place system in which international transactions between importers and exporters are concluded; The system is an account management unit--The account management unit generates an account based on the virtual account generation rule of the server of the corresponding country, corresponding to the import real account number and the real account number established by the exporter financial transaction server for each importer financial transaction server in each country. Managing account information including at least one imported virtual account number corresponding to the imported real account number opened by the exporter financial transaction server through the importer financial transaction servers corresponding to the country of importer that entered into the international transaction. Finding the imported virtual account numbers and providing them to the importer terminal; Receiving, by the system, deposit related information indicating that the importer has deposited a transaction price according to the international transaction into the import virtual account number from an importer financial transaction server managing an import virtual account number selected by the importer terminal; ; Sending, by the system, an instruction to transfer the transaction amount deposited into the import virtual account to an import real account corresponding to the import virtual account, to the importer financial transaction server; When the system is notified of the completion of the transfer from the importer financial transaction server, notifying the marketplace system that the transaction price according to the international transaction has been deposited together with the deposit details; And When the system receives a notification from the market place system through the network that the importer has acquired the goods according to the transaction, the transaction price deposited in the import real account is transferred to the export real account managed by the exporter financial transaction server. Instructing the importer financial transaction server to transfer Payment method comprising a. The method of claim 1 The step of finding the import virtual account number and providing to the importer terminal, the import virtual account information of the importer financial transaction servers corresponding to the country of the importer to the importer terminal through the market place system, The receiving of the deposit related information may include receiving and storing deposit related information related to an import virtual account of an importer financial transaction server selected by the importer through the market place system. The method of claim 1 Sending an instruction to transfer to the imported real account, Comparing, by the system, the deposit related information with the deposit related information indicating that the transaction price according to the international transaction has been deposited; And Sending, by the system, an instruction to transfer the transaction amount deposited into the import virtual account to the import real account corresponding to the import virtual account, when the two deposit related information match. Including, payment method The method of claim 1 Sending, by the system, an instruction to deliver the goods in accordance with the international transaction upon receipt of the payment related information indicating that the transaction amount has been deposited in accordance with the international transaction; Further comprising, the payment method. The method of claim 1 The export real account An account opened by the exporter through the exporter financial transaction server; An account opened by the payment system through the exporter financial transaction server for international transaction settlement using a virtual account; The one of the accounts opened by the marketplace system through the exporter financial transaction server. In a system that performs payment processing according to international transactions of importers and exporters through the network, For each country, each importer financial transaction server includes an import real account number established by the exporter financial transaction server and at least one import virtual account number generated based on the virtual account creation rule of the server of the country corresponding to the real account number. An account information database in which account information is stored; An account manager which manages account information stored in the account information database; When a payment processing request is input from a market place system where an international transaction between an importer and an exporter is concluded, a corresponding import account number established by an exporter financial transaction server is provided through an importer financial transaction server corresponding to an importer country that has entered into the international transaction. An account information providing unit for finding an import virtual account number to provide to the importer terminal; Confirm via the network that the transaction price according to the international transaction has been deposited to the import virtual account number managed by the importer financial transaction server selected by the importer, and deposited with the import virtual account in connection with the importer financial transaction server. A deposit confirmation unit for performing a transfer process of a transaction price to an import real account corresponding to the import virtual account; And In response to the notification that the importer has acquired the goods according to the transaction, processing for transferring the transaction price deposited in the import real account to the export real account managed by the exporter financial transaction server in connection with the importer financial transaction server. Payout Processing Unit Including, payment system. The method of claim 6 For each entered international transaction, the transaction details are stored, including information about the marketplace system that the transaction was concluded for, the virtual account number selected by the importer, the transaction amount to be deposited into the virtual account, and information about the depositor. Include more databases, The deposit confirmation unit, if the deposit related information related to the payment of the transaction price to the import virtual account number matches the deposit related information stored in the transaction history database, and performs a transfer process to the import real account , Payment system. delete The method of claim 6 If the deposit is confirmed by the deposit confirmation unit, the payment system further comprises a delivery processing unit for instructing the delivery of the goods corresponding to the international transaction from the exporter. The method according to any one of claims 6, 7, and 9 The import virtual account is a payment system consisting of a number generated based on the virtual account generation rules used in the importer financial transaction server of the country.

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