KR101812954B1 - Payment gateway service apparatus using virtual account and operating method thereof - Google Patents

Abstract

The present invention relates to a payment gateway service apparatus using a virtual account and an operation method thereof. According to the present invention, when a payment gateway request is received from a content provision server, the phone number of a mobile terminal possessed by a user is received from a client terminal of the user, and a random authentication number is generated and transmitted to the mobile terminal as a text message. Then, only when the same authentication number as the above authentication number is confirmed to have been received from the client terminal of the user, a virtual account is generated and provided to the user. Accordingly, the present invention is able to strengthen security in a payment gateway service using a virtual account. According to the present invention, the payment gateway service apparatus comprises: a first score table maintenance unit; a second score table maintenance unit; a third score table maintenance unit; a payment preparation unit; an authentication number transmission unit; an account information request unit; a remittance request unit; and a payment completion unit.

Description

TECHNICAL FIELD [0001] The present invention relates to a payment agent processing service apparatus and a method of operating the same,

The present invention relates to a payment proxy service apparatus and a method of operating the same, which perform a payment process using a virtual account.

Recently, as the spread of the Internet has become active, there has been an increasing use of systems for purchasing and paying for goods through the Internet.

The electronic transaction system using the Internet is a system in which a user accesses a contents provider server that sells various products using his / her client terminal, purchases a product he / she wants to purchase, And so on.

In a conventional Internet electronic transaction system, when a user purchases a product from a content providing server, the user transmits a payment to the seller or processes payment by utilizing a predetermined payment means such as a credit card owned by the user A payment processing system was utilized.

In recent years, as utilization of disposable virtual accounts has increased, introduction of a settlement processing system using a disposable virtual account has been considered.

When the user accesses the content providing server and purchases a product, the payment processing system using the virtual account creates a predetermined virtual account to remit the commodity price and provides the virtual account to the user, and when the user completes the remittance of the commodity price to the virtual account , The system transfers the money sent to the virtual account to the actual account of the merchandise seller, thereby completing the settlement processing for the merchandise.

However, in the existing payment processing system, when a payment process is performed using a virtual account, a virtual account is created and supplied to the user without a separate user authentication process, so that the possibility that the virtual account is used for the distribution of illegal funds It is necessary to introduce a new security settlement processing algorithm that enables only a genuine user purchasing a product to use the virtual account by introducing a user authentication process in a payment processing system utilizing a virtual account.

The present invention is characterized in that when a payment request processing request is received from a content providing server, a telephone number of a mobile terminal held by the user is received from a user's client terminal, a random authentication number is generated, A virtual account is created and provided to the user only when it is confirmed that the same authentication number as the authentication number has been received from the client terminal of the user, thereby enhancing the security in the payment process using the virtual account .

The billing proxy transaction processing service apparatus utilizing the virtual account according to the embodiment of the present invention may further include a payment server for receiving a payment request from the client terminal of the user to the content providing server of the first merchant, A payment processing preparation unit for connecting to the client terminal of the user and transmitting a telephone number transmission request for the mobile terminal held by the user to the client terminal of the user, When a telephone number for the mobile terminal held by the user is received from the client terminal of the user, a random authentication number is generated, and an authentication number is sent to the receiver to send the authentication number as a text message The authentication number, If the same authentication number as the authentication number is received from the client terminal of the user within a predetermined period of time, requests the client terminal of the user to transmit information on the deposit account to be used for transfer of the payment amount When the information on the first deposit account is received from the client terminal of the user by the deposit account to be used for remittance of the settlement amount, the account information request unit generates a virtual account to which the payment amount is to be remitted, A remittance request unit for sending a remittance request message to the client terminal of the user to request the remittance of the settlement amount to the virtual account while transmitting the settlement amount to the client terminal of the user, Confirms the settlement amount in the virtual account, Once you've made sure that transfer is complete, it includes a payment processing is completed to transfer the settlement processing completion message to the payment processing is generating the process settlement completion message indicating that completion of normal for the payment to the content providing server.

In addition, according to an embodiment of the present invention, an operation method of a billing proxy processing service apparatus using a virtual account is a method in which, when a payment request is received from a client terminal of a user to a content providing server of a first merchant, When a payment request processing request is received together with information on a settlement amount, transmitting a telephone number transmission request for the mobile terminal owned by the user to the client terminal of the user by accessing the client terminal of the user Generating a random authentication number when a telephone number of the mobile terminal held by the user is received from the client terminal of the user, sending the authentication number as a text message to the receiver side From the time the authentication number is sent, Requesting transmission of information on a deposit account to be used for remittance of the payment amount to the client terminal of the user when the same authentication number as the authentication number is received from the client terminal of the user within a predetermined time, When the information on the first deposit account is received from the client terminal with a deposit account to be used for transfer of the settlement amount, a virtual account to be remitted with the settlement amount is generated, and information on the virtual account is transmitted to the client terminal of the user Transmitting a remittance request message to the client terminal of the user requesting remittance of the settlement amount to the virtual account, checking whether the settlement amount has been remitted to the virtual account, When it is confirmed that the money transfer has been completed, And a step of the payment processing for the payment sending the settlement process is completed by creating a message processing settlement complete message indicating that completion of the normal to the contents providing server.

The present invention is characterized in that when a payment request processing request is received from a content providing server, a telephone number of a mobile terminal held by the user is received from a user's client terminal, a random authentication number is generated, A virtual account is created and provided to the user only when it is confirmed that the same authentication number as the authentication number has been received from the client terminal of the user, thereby enhancing the security in the payment process using the virtual account.

1 is a diagram showing a structure of a bill settlement proxy processing service apparatus using a virtual account according to an embodiment of the present invention.
2 is a flowchart illustrating an operation method of a bill settlement proxy processing service apparatus using a virtual account according to an embodiment of the present invention.

Hereinafter, embodiments according to the present invention will be described in detail with reference to the accompanying drawings. It is to be understood that the description is not intended to limit the invention to the specific embodiments, but includes all modifications, equivalents, and alternatives falling within the spirit and scope of the invention. Like reference numerals in the drawings are used for similar elements and, unless otherwise defined, all terms used in the specification, including technical and scientific terms, are to be construed in a manner that is familiar to those skilled in the art. It has the same meaning as commonly understood by those who have it.

1 is a diagram showing a structure of a bill settlement proxy processing service apparatus using a virtual account according to an embodiment of the present invention.

1, a bill settlement proxy processing service apparatus 110 using a virtual account according to the present invention includes a settlement processing preparation unit 111, an authentication number sending unit 112, an account information request unit 113, Request unit 114 and payment processing completion unit 115. [

The payment processing preparation unit 111 acquires a payment request for the goods after the user accesses the content providing server 140 of the first merchant using his / her client terminal 130 and purchases a predetermined commodity, When the payment request processing request is received from the contents providing server 140 together with information on the payment amount, the client terminal 130 of the user is connected to the client terminal 130 of the user To the mobile terminal 150 owned by the user.

When the telephone number of the mobile terminal 150 held by the user is received in response to the transmission request of the telephone number from the client terminal 130 of the user, the authentication number sending unit 112 transmits a random authentication number And transmits the authentication number to the receiving side by using the received telephone number as a text message.

At this time, the user can receive the text message including the authentication number through the mobile terminal 150, view the text message, input the authentication number to the client terminal 130, ) To the billing proxy processing service apparatus 110 using the virtual account.

At this time, if the same authentication number as the authentication number is received from the client terminal 130 of the user within a predetermined time from the time when the authentication number is sent, the account information requesting unit 113 transmits, (130) to transmit information on the deposit account to be used for remittance of the payment amount.

Here, the deposit account to be used for remittance of the settlement amount means an account to be utilized when the user remits the payment of a predetermined commodity. The account is an account number "1111111-222222 "Quot;, the deposit account means an account having an account number "1111111-222222" of "A bank ".

When the information on the first deposit account is received from the client terminal (130) of the user, the remittance request unit 114 generates a virtual account to which the payment amount is to be remitted, Transmits a remittance request message to the client terminal 130 of the user to request the remittance of the settlement amount to the virtual account while transmitting information about the virtual account to the client terminal 130 of the user.

The settlement processing completion unit 115 confirms whether or not the settlement amount has been transferred to the virtual account. If it is confirmed that the settlement amount has been transferred to the virtual account, And transmits the settlement proxy processing completion message to the content providing server 140. The settlement proxy processing completion message is transmitted to the content providing server 140. [

When the settlement amount is transferred to the virtual account and the transmission of the settlement proxy processing completion message to the content providing server 140 is completed, the bill settlement proxy processing service apparatus 110 using the virtual account according to the present invention, The manager who operates the payment server can complete the payment settlement processing for the first franchisee by transferring the payment amount deposited in the virtual account to the actual account of the first franchisee on a predetermined settlement date.

In this way, the billing proxy processing service apparatus 110 using the virtual account according to the present invention transmits a random authentication number to the mobile terminal 150 of the user when performing the payment processing using the virtual account A virtual account is created and provided to the user only when it is confirmed that the same authentication number as the authentication number has been received from the client terminal 130 of the user after the transmission, Can be strengthened.

At this time, the bill settlement proxy processing service apparatus 110 using the virtual account according to the embodiment of the present invention may store the history using the bill settlement proxy processing service utilizing the virtual account according to the present invention as a separate database The user is allowed to go through a user authentication process using the authentication number described above only when the user is the first user to use the bill settlement proxy processing service utilizing the virtual account according to the present invention, If the user has used the payment settlement processing service using the virtual account according to the invention at least once, the virtual account is immediately created and provided to the user without performing an authentication process using a separate authentication number, So that the settlement processing can be performed.

According to an embodiment of the present invention, the bill settlement proxy processing service apparatus 110 using the virtual account includes a first score table holding unit 116, a second score table holding unit 117, (118).

The first score table retaining unit 116 stores and maintains a first score table in which different first scores are recorded for when bank names match and for bank names that do not match.

For example, information may be recorded in the first score table as shown in Table 1 below.

Item 1st Score Bank name match 30 points Bank name discrepancy 0 point

The second score table retaining unit 117 stores and maintains a second score table in which different second scores are recorded for cases in which deposit accounts match and account accounts do not match.

For example, information may be recorded in the second score table as shown in Table 2 below.

Item Second score Account holder match 30 points Account holder discrepancy 0 point

The third score storage unit 118 stores and maintains a third score table in which third scores different from each other for each of a plurality of remittance required times are recorded.

For example, information may be recorded in the third score table as shown in Table 3 below.

Time required for remittance 3rd Score Transfer within 1 hour 20 points Within 1 ~ 3 hours Remittance 15 points Remittance within 3 hours ~ 24 hours 10 points Remittance within 24 hours ~ 48 hours 5 points Remittance after 48 hours 0 point

At this time, the settlement processing completion unit 115 includes a deposit account information confirmation unit 119, a bank name conformity score determination unit 120, a depositor match score determination unit 121, a remittance time point determination unit 122, A score generating unit 123, and a process completion message transmitting unit 124.

The deposit account information confirmation unit 119 confirms whether or not the payment amount has been transferred to the virtual account, and if it is confirmed that the payment of the payment amount is completed in the virtual account, Check the information on.

The bank name match score determination unit 120 compares the information on the deposit account used for remittance of the payment amount with the information on the first deposit account so that the bank names included in the information on the deposit account match each other Whether or not bank names included in the information on the deposit account among the different first scores recorded in the first score table coincide with each other The score corresponding to the result is determined by the bank name match score.

For example, when the settlement amount is remitted to the virtual account, the bank names of the deposit accounts used for remittance of the settlement amount and the bank names of the first deposit account to be used for remittance of the settlement amount received from the user If it is determined that information is matched, if information is recorded in the first score table as shown in Table 1, the bank name match score determining unit 120 can determine the score of "30 points" as the bank name match score have.

The depositor matching score determining unit 121 compares the information on the depositing account used for remitting the settlement amount with the information on the first depositing account and determines whether the depositor included in the information on the depositing account matches each other Determining whether or not the deposits included in the information on the deposit account among the different second scores recorded in the second score table coincide with each other with reference to the second score table, Is determined as the coin matching score.

For example, when the settlement amount is transferred to the virtual account, the account holder of the deposit account used to remit the settlement amount and the account holder of the first deposit account used to remit the payment amount received from the user If information is recorded in the second score table as shown in Table 2, the depositor match score determiner 121 may determine a score of "30 points " as the account holder match score.

The remittance time point determination unit 122 checks the time at which the remittance of the settlement amount is completed in the virtual account, and determines the time from when the virtual account is created until the time when the remittance of the settlement amount to the virtual account is completed And the score recorded in correspondence with the time required for remittance including the elapsed time among the different third scores recorded in the third score table is transmitted to the third score table after the elapsed time is calculated It is decided by the time required score.

For example, when the elapsed time from the time when the virtual account is created to the time when the remittance of the settlement amount is completed to the virtual account is "1 hour 30 minutes" If it is recorded, the required time point determination unit 122 can determine a score of "15 points " as the required time for remitting time.

When the determination of the bank name match score, the account holder match score and the remittance time score is completed, the settlement reliability score generator 123 calculates the bank name match score, the depositor match score, and the remittance time score And calculates a sum to generate a settlement reliability score for the user.

Then, the processing completion message transmitting unit 124 generates the payment agency processing completion message indicating that the payment processing for the payment amount has been normally completed when the payment reliability score exceeds the predetermined first threshold score And transmits the settlement proxy processing completion message to the content providing server 140.

As described above, the billing proxy processing service apparatus 110 using the virtual account according to the present invention calculates a predetermined settlement reliability score for the user, and if the settlement reliability score exceeds the predetermined first threshold score It is possible to prevent the virtual account from being used illegally, by completing the settlement proxy process using the virtual account by confirming that the user is a user who is truly paying for the payment.

In this case, according to an embodiment of the present invention, the billing proxy processing service apparatus 110 using the virtual account may further include a reliability weight table holding unit 125.

The reliability weight table maintenance unit 125 stores and maintains a reliability weight table in which different reliability weights are recorded for the identification information of a plurality of affiliated points.

For example, information may be recorded in the reliability weight table as shown in Table 4 below.

Identification information of multiple merchants Reliability weight Merchant 1 0.9 Merchant 2 1.1 Merchant 3 1.14 ... ...

At this time, the settlement reliability score generating unit 123, when the determination of the bank name match score, the account holder match score, and the remitting time required score is completed, determines the bank name match score, the account holder match score, Calculates a sum, receives identification information of the first franchisee from the content providing server (140), extracts a first reliability weight corresponding to the identification information of the first franchisee from the reliability weight table, And applying the first reliability weight to generate the calculation result value to which the first reliability weight is applied to the calculated sum as the payment reliability score for the user.

For example, when the sum of the bank name match score, the account holder match score, and the remittance time score is "50 points ", and the first merchant is called" merchant 2 ", the settlement reliability score generator 123 A credit score of " 55 points "can be generated as the settlement credit score for the user by applying a credit weight of" 1.1 " to "50 points ".

In this manner, the bill settlement proxy processing service apparatus 110 using the virtual account according to an embodiment of the present invention sets different trust weights for each of the affiliated merchants, so that for a trusted affiliate shop, And the credit score for the user is calculated to be lower for the merchant handling the inter-personal pre-transaction or the like having a low reliability. Thus, in the payment process using the virtual account, the reliability of each merchant store Can be considered together.

According to an embodiment of the present invention, the processing completion message transmitting unit 124 may determine that the settlement reliability score is less than or equal to the selected first threshold score, but the selected second threshold score (I.e., a score lower than the first threshold score), a temporary web page for user additional authentication is generated, and information about the connection address of the temporary web page is transmitted to the client terminal 130 of the user , And may transmit an access request message requesting access to the temporary web page.

If it is determined that the client terminal 130 of the user has accessed the temporary web page within a predetermined waiting time from the time when the connection request message is transmitted, the processing completion message transmitting unit 124 transmits the payment amount The settlement proxy processing completion message indicating that the settlement processing for the settlement processing has been normally completed can be generated and the settlement proxy processing completion message can be transmitted to the content providing server 140. [

That is, when the settlement reliability score exceeds the first threshold, the process completion message transmission unit 124 determines that the user is a trustworthy user and completes the settlement process immediately. However, the settlement reliability score The client terminal 130 generates a predetermined temporary web page and transmits the connection address of the temporary web page to the client terminal 130 only when the settlement reliability score exceeds the second threshold, The user terminal 130 can perform additional authentication for completing the payment processing when it is confirmed that the user's client terminal 130 has accessed the temporary web page.

In this case, according to an embodiment of the present invention, when the settlement reliability score is equal to or lower than the predetermined second threshold score, the processing completion message transmission unit 124 transmits the payment amount The settlement proxy processing completion message indicating that the settlement processing for the settlement processing has been normally completed can be generated and the settlement proxy processing completion message can be transmitted to the content providing server 140. [

That is, when the settlement reliability score is smaller than the predetermined second threshold score, the processing completion message transmitting unit 124 does not perform the settlement processing until the predetermined settlement delay processing time elapses, It is possible to minimize the damage to the user and the merchant that may occur due to illegal utilization of the virtual account.

2 is a flowchart illustrating an operation method of a bill settlement proxy processing service apparatus using a virtual account according to an embodiment of the present invention.

In step S210, when a payment settlement request is received from the client terminal of the user to the contents providing server of the first merchant, when a settlement transaction processing request is received together with the payment amount information from the contents providing server, And transmits a telephone number transmission request to the mobile terminal held by the user to the client terminal of the user in connection with the terminal.

In step S220, when a telephone number of the mobile terminal held by the user is received from the client terminal of the user, a random authentication number is generated, and the received telephone number is set as a receiver, .

In step S230, if an authentication number identical to the authentication number is received from the client terminal of the user within a predetermined period of time from when the authentication number is transmitted, the user terminal transmits, to the client terminal of the user, Requests the transfer of information to the account.

In step S240, when information on the first deposit account is received from the client terminal of the user using the deposit account to be used for transfer of the payment amount, a virtual account to which the payment amount is to be transferred is created, and information on the virtual account To the client terminal of the user and transmits a remittance request message to the client terminal of the user to request the remittance of the settlement amount to the virtual account.

In step S250, it is determined whether or not the payment amount has been transferred to the virtual account. If it is determined that the payment of the payment amount is completed in the virtual account, a payment indicating that the payment processing for the payment amount has been normally completed And transmits the settlement proxy processing completion message to the content providing server.

In this case, according to an embodiment of the present invention, the method of operating the billing proxy processing service apparatus using the virtual account records different first scores for cases in which the bank names match and the case in which the bank names do not match Storing and maintaining a first score table, storing and maintaining a second score table in which different second scores are recorded for cases in which depositor coincides with cases in depositor coincidence, And storing and maintaining a third score table in which third scores different from each other are recorded.

At this time, in step S250, it is checked whether or not the payment amount has been transferred to the virtual account. If it is confirmed that the payment amount has been transferred to the virtual account, information on the deposit account used for transferring the payment amount Comparing the information on the deposit account used for remitting the payment amount with the information on the first deposit account to determine whether or not the bank names included in the information on the deposit account match each other, A score corresponding to a result of whether or not the bank names included in the information on the banknote depositing account match among the different first scores recorded in the first score table, Determining a consecutive match score, determining information about a deposit account used for transfer of the settlement amount, Determining whether or not the account holders included in the information on the depositing accounts match with each other, and referring to the second score table, comparing the amount of the second one among the different second scores recorded in the second score table Determining a point corresponding to a result of whether or not the account holders included in the information on the deposit account match each other; determining a time at which the remittance of the settlement amount is completed in the virtual account; Calculating the elapsed time from the generation time point to the time when the remittance of the settlement amount is completed to the virtual account, referring to the third score table, and calculating, from among the different third scores recorded in the third score table The score recorded corresponding to the remittance required time including the elapsed time is determined as the remittance required time score Generating a settlement reliability score for the user by calculating a sum of the bank name match score, the depositor match score, and the remitting time required score, and if the settlement reliability score exceeds the first threshold score And generating the settlement proxy processing completion message indicating that the settlement processing for the settlement amount is normally completed, and transmitting the settlement proxy processing completion message to the content providing server.

According to an embodiment of the present invention, an operation method of a billing proxy processing service apparatus using the virtual account stores and stores a reliability weight table in which different reliability weights are recorded for identification information of a plurality of merchants The method comprising the steps of:

The step of generating the settlement reliability score includes calculating the sum of the bank match score, the depositor match score and the remitting time requirement score, receiving the identification information of the first affiliate shop from the contents providing server, Extracting a first reliability weight corresponding to the identification information of the first franchisee from the weight table, and applying the first reliability weight to the calculated sum to calculate an operation result value to which the first reliability weight is applied As the payment reliability score for the user.

According to an embodiment of the present invention, in the step of transmitting the settlement proxy processing completion message, the settlement reliability score is equal to or smaller than the predetermined first threshold value, but the selected second threshold value The score is a score lower than the predetermined first threshold score), a temporary web page for user additional authentication is generated, and information about the access address of the temporary web page is transmitted to the client terminal of the user If it is determined that the client terminal of the user accesses the temporary web page within a predetermined waiting time after the connection request message is transmitted after transmitting an access request message requesting connection to the temporary web page, The settlement proxy processing for indicating that the settlement processing for the settlement amount has been normally completed It generates a message for said content providing server may send the settlement processing completion message.

According to an embodiment of the present invention, the step of transmitting the settlement proxy processing completion message may include: when the settlement reliability score is equal to or less than the predetermined second threshold score, The settlement proxy processing completion message indicating that the settlement processing for the amount has been normally completed may be generated and the settlement proxy processing completion message may be transmitted to the content providing server.

The operation of the billing proxy processing service apparatus using the virtual account according to the embodiment of the present invention has been described above with reference to FIG. Here, a method of operating a billing proxy processing service apparatus using a virtual account according to an embodiment of the present invention is a method of operating a billing proxy processing service apparatus 110 using a virtual account And therefore, a detailed description thereof will be omitted.

A method of operating a billing proxy processing service apparatus using a virtual account according to an embodiment of the present invention may be implemented by a computer program stored in a storage medium for execution through a combination with a computer.

The method of operating the billing proxy processing service apparatus using the virtual account according to an embodiment of the present invention may be implemented in the form of a program command that can be executed through various computer means and recorded in a computer readable medium. The computer-readable medium may include program instructions, data files, data structures, and the like, alone or in combination. The program instructions recorded on the medium may be those specially designed and configured for the present invention or may be available to those skilled in the art of computer software. Examples of computer-readable media include magnetic media such as hard disks, floppy disks and magnetic tape; optical media such as CD-ROMs and DVDs; magnetic media such as floppy disks; Magneto-optical media, and hardware devices specifically configured to store and execute program instructions such as ROM, RAM, flash memory, and the like. Examples of program instructions include machine language code such as those produced by a compiler, as well as high-level language code that can be executed by a computer using an interpreter or the like.

As described above, the present invention has been described with reference to particular embodiments, such as specific elements, and specific embodiments and drawings. However, it should be understood that the present invention is not limited to the above- And various modifications and changes may be made thereto by those skilled in the art to which the present invention pertains.

Accordingly, the spirit of the present invention should not be construed as being limited to the embodiments described, and all of the equivalents or equivalents of the claims, as well as the following claims, belong to the scope of the present invention .

110: Cash settlement processing service device utilizing virtual account
111: Payment processing preparation unit 112: Authentication number sending unit
113: Account information requesting unit 114:
115: Payment processing completion unit 116: First score table maintenance unit
117: second score table holding unit 118: third score table holding unit
119: Deposit account information confirmation unit 120: Bank name match score determination unit
121: depositor match score determining unit 122: required time score determining unit
123: settlement reliability score generation unit 124: processing completion message transmission unit
125: Reliability weight table maintenance unit
130: user's client terminal
140: Content providing server
150: mobile terminal

Claims (12)

A first score table holding unit for storing and holding a first score table in which different first scores are recorded for the case where the bank names are matched and the bank names are not matched;
A second score table holding unit for storing and holding a second score table in which different second scores are recorded for cases in which the account holders match and cases in which the account holders do not match;
A third score table holding unit for storing and holding a third score table in which third scores different from each other for each of a plurality of remittance required times are recorded;
When a payment settlement request is received from the client terminal of the user to the content providing server of the first merchant and the settlement transaction processing request is received together with information on the settlement amount from the content providing server, A payment processing preparation unit for transmitting a telephone number transmission request to the mobile terminal held by the user to the client terminal of the user;
When a telephone number of the mobile terminal held by the user is received from the client terminal of the user, a random number is generated, and the received telephone number is transmitted to the receiver, and an authentication number A sending section;
If an authentication number identical to the authentication number is received from the client terminal of the user within a predetermined time from the time when the authentication number is transmitted to the client terminal of the user, An account information requesting unit for requesting transmission of information about the user;
When the information on the first deposit account is received from the client terminal of the user as a deposit account to be used for remittance of the payment amount, a virtual account to which the payment amount is to be remitted is created, A remittance request unit for transmitting a remittance request message to the client terminal of the user while transferring the settlement amount to the terminal, the remittance request message requesting remittance of the settlement amount to the virtual account; And
If the settlement amount of the settlement amount is confirmed to be completed in the virtual account, a payment settlement processing completion message indicating that the settlement processing for the settlement amount has been normally completed, And a payment processing completion unit for generating the settlement processing completion message to the content providing server
Lt; / RTI >
The settlement processing completion unit
If it is confirmed that the settlement amount has been transferred to the virtual account and that the transfer of the settlement amount is completed in the virtual account, confirmation of the deposit account information for confirming the information on the deposit account used for transfer of the settlement amount part;
Comparing the information on the deposit account used for remittance of the settlement amount with the information on the first deposit account to determine whether or not the bank names included in the information on the deposit account match with each other, The score corresponding to the result of whether or not the bank names included in the information on the banknote deposit account among the different first scores recorded in the first score table coincide with each other is determined as the bank name match score A bank name matching score determining section;
Comparing the information on the deposit account used for remittance of the settlement amount with the information on the first deposit account to determine whether depositories included in the information on the deposit account match with each other, , A score corresponding to a result of whether or not the depositors included in the information on the depositing account match among the different second scores recorded in the second score table is determined as the depositor matching score Depositor match score determination section;
And a controller for calculating the elapsed time from the time when the virtual account is created to the time when the remittance of the settlement amount is completed to the virtual account from the time when the virtual account is created, A remittance time point determination unit for determining a remittance time point score corresponding to the time required for remittance including the elapsed time among the different third scores recorded in the third score table, ;
A settlement reliability score generating unit for calculating a sum of the bank name match score, the account holder match score and the remittance required time score to generate a settlement reliability score for the user; And
When the settlement reliability score exceeds a predetermined first threshold, generates the settlement proxy processing completion message indicating that settlement processing for the settlement amount has been normally completed, and transmits the settlement proxy processing completion message to the content providing server A processing completion message transmission unit
And a billing proxy processing service apparatus using the virtual account including the billing proxy transaction processing service apparatus. delete The method according to claim 1,
A reliability weight table holding unit for storing and holding a reliability weight table in which different reliability weights are recorded for identification information of a plurality of merchant points,
Further comprising:
The settlement reliability score generating unit
Calculating a sum of the bank name match score, the depositor match score and the remitting time required score, receiving the identification information of the first franchisee from the content providing server, and receiving the identification information of the first franchisee from the reliability weight table Generating a calculation result value to which the first reliability weight is applied to the calculated sum as the settlement reliability score for the user by extracting a corresponding first reliability weight and applying the first reliability weight to the calculated sum A bill payment agent processing service device utilizing a virtual account. The method according to claim 1,
The processed message transmission unit
If the settlement reliability score is less than or equal to the selected first threshold score but the selected second threshold score - the selected second threshold score is lower than the selected first threshold score - And transmits an access request message for requesting access to the temporary web page to the client terminal of the user while transmitting information about the connection address of the temporary web page to the client terminal of the user, If it is determined that the user's client terminal has accessed the temporary web page within a predetermined waiting time from when the message is transmitted, the payment agent processing completion message indicating that the payment processing for the payment amount has been normally completed is generated And transmits the settlement proxy processing completion message to the content providing server A billing agent processing service device utilizing a virtual account to be transmitted. 5. The method of claim 4,
The processed message transmission unit
Generating the payment agency processing completion message indicating that the payment processing for the payment amount has been normally completed after the predetermined payment delay processing time has elapsed when the settlement reliability score is equal to or lower than the predetermined second threshold score, And transmits the settlement proxy processing completion message to the content providing server. Storing and maintaining a first score table in which different first scores for when the bank names match and where the bank names do not match are recorded;
Storing and maintaining a second score table in which different second scores are recorded for cases in which depositors coincide with cases in case depositors do not coincide;
Storing and maintaining a third score table in which third scores different for each of a plurality of remittance required times are recorded;
When a payment settlement request is received from the client terminal of the user to the content providing server of the first merchant and the settlement transaction processing request is received together with information on the settlement amount from the content providing server, Transmitting a request for transmission of a telephone number to a mobile terminal held by the user for a user's client terminal;
Generating a random authentication number when a telephone number of the mobile terminal held by the user is received from the client terminal of the user, sending the authentication number as a text message to the receiver as the received telephone number;
If an authentication number identical to the authentication number is received from the client terminal of the user within a predetermined time from the time when the authentication number is transmitted to the client terminal of the user, Requesting transmission of information about the information;
When the information on the first deposit account is received from the client terminal of the user as a deposit account to be used for remittance of the payment amount, a virtual account to which the payment amount is to be remitted is created, Transmitting a remittance request message to the client terminal of the user requesting remittance of the settlement amount to the virtual account while transmitting to the terminal; And
If the settlement amount of the settlement amount is confirmed to be completed in the virtual account, a payment settlement processing completion message indicating that the settlement processing for the settlement amount has been normally completed, And transmitting the settlement proxy processing completion message to the content providing server
Lt; / RTI >
The step of transmitting to the content providing server
Confirming whether or not the payment amount has been transferred to the virtual account, and confirming information about the deposit account used for transferring the payment amount, when it is confirmed that the remittance of the payment amount is completed in the virtual account;
Comparing the information on the deposit account used for remittance of the settlement amount with the information on the first deposit account to determine whether or not the bank names included in the information on the deposit account match with each other, The score corresponding to the result of whether or not the bank names included in the information on the banknote deposit account among the different first scores recorded in the first score table coincide with each other is determined as the bank name match score ;
Comparing the information on the deposit account used for remittance of the settlement amount with the information on the first deposit account to determine whether depositories included in the information on the deposit account match with each other, , A score corresponding to a result of whether or not the depositors included in the information on the depositing account match among the different second scores recorded in the second score table is determined as the depositor matching score step;
And a controller for calculating the elapsed time from the time when the virtual account is created to the time when the remittance of the settlement amount is completed to the virtual account from the time when the virtual account is created, Determining, as a remittance time point score, a point recorded in correspondence with the time required for remittance including the elapsed time among the different third scores recorded in the third score table;
Generating a settlement reliability score for the user by calculating a sum of the bank name match score, the account holder match score, and the remittance required time score; And
When the settlement reliability score exceeds a predetermined first threshold, generates the settlement proxy processing completion message indicating that settlement processing for the settlement amount has been normally completed, and transmits the settlement proxy processing completion message to the content providing server Steps to Send a Message
Wherein the virtual account is a virtual account. delete The method according to claim 6,
Storing and maintaining a reliability weight table in which different reliability weights are recorded for identification information of a plurality of merchant points
Further comprising:
The step of generating the settlement reliability score
Calculating a sum of the bank name match score, the depositor match score and the remitting time required score, receiving the identification information of the first franchisee from the content providing server, and receiving the identification information of the first franchisee from the reliability weight table Generating a calculation result value to which the first reliability weight is applied to the calculated sum as the payment reliability score for the user by extracting a corresponding first reliability weight and applying the first reliability weight to the calculated sum A method of operating a billing proxy processing service apparatus using a virtual account. The method according to claim 6,
The step of transmitting the settlement proxy processing completion message
If the settlement reliability score is less than or equal to the selected first threshold score but the selected second threshold score - the selected second threshold score is lower than the selected first threshold score - And transmits an access request message for requesting access to the temporary web page to the client terminal of the user while transmitting information about the connection address of the temporary web page to the client terminal of the user, If it is determined that the user's client terminal has accessed the temporary web page within a predetermined waiting time from when the message is transmitted, the payment agent processing completion message indicating that the payment processing for the payment amount has been normally completed is generated And transmits the settlement proxy processing completion message to the content providing server A method of operating a bill settlement proxy processing service apparatus using a virtual account to be transmitted. 10. The method of claim 9,
The step of transmitting the settlement proxy processing completion message
Generating the payment agency processing completion message indicating that the payment processing for the payment amount has been normally completed after the predetermined payment delay processing time has elapsed when the settlement reliability score is equal to or lower than the predetermined second threshold score, And transmitting the settlement proxy processing completion message to the content providing server. A computer-readable recording medium recording a program for performing the method of any one of claims 6, 8, 9, and 10. A computer program stored in a storage medium for executing the method of any one of claims 6, 8, 9, or 10 through a combination with a computer.

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