KR101928455B1 - Smart payment system for providing function setting commision and method for setting commision using the same - Google Patents

Abstract

According to the present invention, a smart payment system is disclosed. More specifically, the present invention provides the smart payment system which provides a fee setting function which enables a payment procedure to be processed in a more favorable method for customers and merchants by optimizing and setting a payment fee different for each VAN company and a PG company and a fee setting method. According to the embodiment of the present invention, by selectively setting the VAN company or the PG company in accordance with a manager′s intention, the settlement procedure is expected to be processed with the fee optimized not only in a non-face-to-face settlement but also in a face-to-face settlement.

Description

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a smart payment system for providing a fee setting function and a fee setting method using the smart payment system.

The present invention relates to a smart payment system, and in particular, since a payment fee is applied to each of a VAN company and a PG company, a fee setting function is provided to optimize and set the payment fee so that a payment procedure can be processed in a more advantageous manner for customers and merchants And a fee setting method using the smart payment system.

Generally, a credit card (Credit Card) is widely used as a means of payment when purchasing goods from a store or receiving service from a service provider.

The total credit card usage limit is the sum of lump sum transaction, installment transaction amount, and cash service. Each item will again be capped within the card usage limit. The limit of each item and the card usage limit is determined by the creditworthiness of the card user. Card users can purchase goods or use cash services within each limit.

According to the payment method using the credit card, a commission is generated between the merchant and the credit card company. The rate of the fee varies not only with the card company but also with the VAN company and the PG company, VAN's commission rate is higher than that of PG.

Particularly, when a patient wants to pay medical expenses in a hospital, a situation where a patient has to pay a small amount of money from a small amount up to a large amount of several hundreds to several tens of thousands of won, often occurs, and the fee generated at this time can be a considerable burden on a hospital as a merchant.

However, conventionally, when a customer requests payment using a credit card in offline, the payment process is performed collectively using only the VAN terminal through the payment terminal according to the face-to-face payment method, There is a problem in that a high commission can not but be paid.

Japanese Patent Application Laid-Open No. 10-2002-0094323 (Publication date: December 18, 2002) Japanese Patent Application Laid-Open No. 10-2016-0038519 (Publication date: April 26, 2014)

SUMMARY OF THE INVENTION The present invention has been made to solve the above problems, and it is an object of the present invention to provide a smart payment system that provides a commission setting function that allows a payment to be proceeded in a manner that a favorable commission rate is applied at a time of face- There is a problem in providing a fee setting method using the same.

Another object of the present invention is to provide a smart payment system that provides a fee setting function that implements a comprehensive setting and management function related to a payment process at a user terminal of an affiliate shop, and a method for setting a fee using the smart payment system.

According to an aspect of the present invention, there is provided a smart payment system including: a screen providing unit that provides a plurality of screens related to settlement processing to a user terminal on the Web; A system setting unit configured to generate and update setting information for determining a settlement agency and an installment fee rate at the time of non-face settlement; and a billing terminal connected to the user terminal, And a database for storing the setting information.

According to another aspect of the present invention, there is provided a method for setting a fee using a smart settlement system that provides a plurality of screens related to settlement processing to a user terminal via a web, Setting a payment agent or a card wage payment commission rate at the time of face-to-face or non-face payment according to a request of the user terminal, and storing setting information generated or updated according to a setting result.

According to the embodiment of the present invention, the VAN company or the PG company is selectively set according to the intention of the manager to process the settlement procedure with the optimized fee in the face-to-face settlement as well as the non-face settlement, You can expect.

Further, according to the embodiment of the present invention, by separately inputting and setting a card wartime payment commission, it is possible to process the payment in a manner favorable to the customer and the merchant.

BRIEF DESCRIPTION OF THE DRAWINGS FIG. 1 is a block diagram of a smart payment system and a component associated therewith for providing a fee setting function according to an embodiment of the present invention; FIG.
2 is a diagram illustrating a smart settlement system according to an embodiment of the present invention.
3A and 3B illustrate functions of an agency setting module included in a system setting unit of a smart payment system according to an embodiment of the present invention.
4 is a view showing a settlement processing unit of a smart settlement system according to an embodiment of the present invention.
5 is a diagram illustrating a method of setting a fee using the smart payment system according to the embodiment of the present invention.
6A to 6C are views illustrating payment and setting related interfaces among interface screens of a smart payment system according to an embodiment of the present invention.
FIGS. 7A and 7B are views illustrating payment and setting related interfaces among interface screens of a smart payment system according to an embodiment of the present invention.
8 is a diagram illustrating a pop-up setting interface of a smart payment system according to an embodiment of the present invention.

Prior to the description, when an element is referred to as being "comprising " or" comprising "any element throughout the specification, it is to be understood that the element It means that you can.

The term "embodiment" is used herein to mean serving as an example, instance, or illustration, although the subject matter of the invention is not limited by such example. It is also to be understood that the word "comprising, "" having "and other similar terms are used, unless the context clearly dictates otherwise. &Quot; Is used in a manner similar to the term " Comprising, Including ".

Also, terms such as "unit," terminal, "... server, and " system" Means a unit for processing an operation in which one or more functions are combined, and may be implemented by hardware, software, or a combination of hardware and software.

The various techniques described herein may be implemented with hardware or software, or may be implemented with a combination of both, where appropriate. The terms "part", "terminal", "server", and "system", as used herein, Can be treated as equivalent. In addition, in the present invention, an application program executed in a user terminal may be configured in units of "negative" or "module ", and may be recorded in one physical memory in a form readable, writable, and erasable, As shown in FIG.

Hereinafter, a smart payment system providing a fee setting function according to an embodiment of the present invention and a fee setting method using the same will be described with reference to the drawings.

BRIEF DESCRIPTION OF THE DRAWINGS FIG. 1 is a block diagram of a smart payment system and a component associated therewith for providing a fee setting function according to an embodiment of the present invention; FIG.

Referring to FIG. 1, the smart payment system 100 according to the embodiment of the present invention allows a user to make a payment through a variety of payment means such as a credit card, a check card, Thereby providing an environment for carrying out related enterprise-related tasks.

The user terminal 10 is installed at each merchant, and performs payment through the smart payment system 100 as a face-to-face payment means through the payment terminal 30, . In addition, the user terminal 10 can perform various procedures related to settlement on an interface (UI) provided by the smart settlement system 100 via the web.

Here, the user terminal 10 may be provided with a client program for receiving and executing a UI capable of processing various payment procedures through interlocking with the smart payment system 100 of the present invention, or a web browser may be installed have.

The settlement terminal 30 performs a face-to-face settlement procedure using a credit card, a check card, or the like between an affiliate shop and a VAN company or a PG company. The payment terminal 30 recognizes a credit card or a check card, When a payment is requested, the payment is made using a credit card, a check card, or the like in cooperation with the VAN server or the PG server 50 through the information communication network.

When the smart payment system 100 receives the information such as the amount and the payment means from the user terminal 10, the smart payment system 100 can proceed the payment through either the VAN company or the PG company according to the setting. For this purpose, the smart payment system 100 provides a plurality of interfaces to the user terminal 10 through the information communication network, and can input necessary information or settings through the interfaces.

In particular, the smart settlement system 100 according to the embodiment of the present invention provides the fee setting means for optimizing the settlement commission, and it is also possible to perform settlement payment through the PG company as well as the VAN company in the face settlement, However, there is a feature that allows the customer, who is the payee, to selectively use an agency that is favorable to him / her.

Further, by providing a means for separately setting a credit card payment by installment of a credit card, a user can set an installment event at an affiliated shop, and a chargeable installment fee Discount service can be provided.

Hereinafter, the structure of a smart settlement system according to an embodiment of the present invention will be described in detail with reference to the drawings.

2 is a diagram illustrating a smart settlement system according to an embodiment of the present invention.

Referring to FIG. 2, the system includes a screen providing unit 110 for providing a plurality of screens related to settlement processing to the user terminal on the web, a display providing unit 110 for generating and updating setting information for defining an installment fee with the agency, A settlement processing unit 120 for performing a settlement procedure according to the setting information when a settlement request is made using a customer's credit card from a settlement terminal connected to the user terminal, a database 130 ).

In addition, the smart payment system 100 displays a transaction history list arranged in the order of settlement date on the screen by referring to the database 130 and displays a transaction settlement list in which settlement is requested to cancel the settlement according to the selection of one or more settlement items on the list A transaction date, an approval date, a cancellation date, a card number, an installment status, a transaction amount, a tax amount, a VAT amount, a tax exemption amount, a card issuer, a card acquirer And payment means for displaying transaction information including at least one of payment means, payment means, and payment means.

The screen providing unit 110 is connected to the user terminal through the web, and can provide a screen displayed on the client program or the web browser installed in the user terminal.

In the embodiment of the present invention, the merchant and the user terminal installed in the merchant must be registered in the smart payment system. The screen provider 110 is connected to the user terminal and displays a screen And perform payment procedures.

The payment processing unit 120 may provide a plurality of interfaces for selecting one of the plurality of payment means and proceeding the payment procedure through the screen providing unit 110 at the time of payment attempt. The smart payment system 100 of the present invention can provide various payment means such as a credit card, a check card, and a cash settlement through a user terminal of each merchant, You can ask the company for settlement. In order to implement such a function, the payment processing unit 120 may be composed of a plurality of program modules, and a detailed description thereof will be given later.

The database 130 may store data generated according to the progress of payment by the smart payment providing system. In particular, the database 130 may store configuration information according to an embodiment of the present invention.

The settlement cancellation unit 140 can cancel the proceeding payment procedure according to the input of the user. In the database, transaction information for all transactions conducted through the system is stored. In response to a request from the user terminal, the payment cancellation unit 140 reads transaction information within a specific period from the database 130, If a cancellation of any transaction on the list is requested, the cancellation procedure is performed.

The payment management unit 150 can confirm the details of the transaction information within a specific period according to a request of the user terminal and provide information necessary for the management service. The user can confirm the transaction information including the transaction history list provided by the payment management unit 150 through the user terminal, and utilize the transaction information in the management work.

The transaction information provided by the settlement management unit 150 includes an approval number, a transaction date, an approval date, a cancellation date, a card number, an installment status, a transaction amount, a tax amount, a VAT amount, a tax exemption amount, And the like.

The system setting unit 200 can receive and apply various settings related to the operation of the smart payment system at the request of the user terminal, and can provide various interfaces for the smart payment system.

In particular, the smart settlement system 100 according to an embodiment of the present invention may include an agency setting module 210 and an install setting module 220 for optimizing fees.

The agency setting module 210 can support settlement with the PG company as well as support only a fixed settlement agency to the VAN company when attempting to settle a credit card through the settlement terminal at each merchant. The settlement with the VAN company or the PG company can be set collectively or individually.

In general, when the payment is made through the VAN company, the commission rate can be set to be higher than that of the PG company, and when the agency is fixed, there is no choice but, in response to the setting information set through the system setting unit 200, The payment procedure can be carried out through the PG company, which is cheaper than the VAN company, so that the payment fee of the merchant can be reduced.

In addition, the setting information may further include a set value for each card grooming fee, and the installment setting module 220 receives the card grooming fee from the user terminal, whether it is interest-free or not, .

Accordingly, the user can suggest a reasonable fee for the payment request card to the payee, and the payee can request the payment according to the policy favorable to him / her.

Meanwhile, the smart settlement system 100 according to the embodiment of the present invention can provide a function of displaying a settlement confirmation window on the user terminal at the completion of the payment procedure process as an additional function, and the system setting unit 200 The pop-up setting module 230 of the mobile terminal 100 may set a pop-up setting module 230 for confirming a user and a payee according to each situation such as a card payment including a credit card and a cash card, a handset settlement, an SMS settlement, It is possible to individually set whether or not the popup window is displayed.

Hereinafter, the functions of the agency setting module and the installment setting module included in the system setting unit will be described in detail with reference to the drawings.

3A and 3B illustrate functions of an agency setting module included in a system setting unit of a smart payment system according to an embodiment of the present invention. Each of the functions described below may be implemented as one or more interfaces and transmitted to the user terminal, and the user may input the contents into the interface to perform the setting operation.

3A, the agency setting module 210 according to the embodiment of the present invention may provide a card company registration function 211, a payment agency selection function 213, an agency reflection function 215, May provide a plurality of UIs for implementing this.

The card issuer registration function 211 is a function for registering the commission rate with each card company and the card company in the system by referring to the card company information for each card company that is contracted with the system. The commission rate for each card gaming company can be determined in advance according to the agreement with the system company, and the agency setting module 210 can register the card company and the commission rate thereof by referring to the card company information stored in the database. Here, the commission rate of each card company may be set differently for each settlement agency.

The payment agent selection function 213 is a function for selecting any one of VAN company or PG company as a payment agency for each card company registered from the user terminal. The user can designate VAN company or PG company as a settlement agency collectively or individually for each card company.

The agency reflecting function 215 is a function of generating or updating the setting information according to the commission by matching the commission rate of each card company with the settlement agency selected by the user terminal. The generated or updated setting information can be stored in the database and can be referred to by the settlement processing unit 120 in the course of the settlement procedure thereafter.

FIG. 3B shows the function of the install setting module according to the embodiment of the present invention. The installment setting module 220 may provide a card issuer registration function 222, an installment commission rate selection function 224 and a fee setting function 226, and each function may provide a plurality of UIs for implementing it .

The card company registering function 222 registers each card company and commission rates for each card company in agreement with the system with reference to the card company information. The registered card fee rate may be set as the initial fee.

The installment commission rate selection function 224 receives the installment fee of each card company registered from the user terminal and determines whether the installment fee and the installment fee are changed according to the period.

The fee setting function 226 is a function of generating or updating the setting information by reflecting the presence or absence of interest or interest inputted by the user and the changed commission rate. The generated or updated setting information can be stored in the database.

Meanwhile, the smart settlement system of the present invention can process a settlement request based on the aforementioned fee-related setting information, and a configuration of a settlement processing unit according to an embodiment of the present invention will be described below with reference to the drawings.

4 is a view showing a settlement processing unit of a smart settlement system according to an embodiment of the present invention.

4, the payment processing unit 120 according to an exemplary embodiment of the present invention may include a card payment processing module (not shown) for providing various interfaces to a user terminal to perform the above- 121, a handwriting settlement processing module 122, an SMS settlement processing module 123, a cash settlement processing module 124, a loan settlement processing module 125 and a complex settlement processing module 126.

The card settlement processing module 121 can set a fee according to the payment means selected by the user, and can request payment and process the payment in cooperation with the payment terminal or the PG company server with reference to the setting information.

Also, the card settlement processing module 121 can calculate and display a commission based on the setting information generated or updated by the system setting unit, and proceed the settlement procedure.

The handwritten settlement processing module 122 can receive the card information including the card number and validity period of the credit card, and can request the settlement and proceed with the procedure.

The SMS payment processing module 123 can receive personal information including a telephone number of a payee and request payment and process the payment.

The cash settlement processing module 124 may request the cash settlement and proceed with the procedure.

The loan settlement processing module 125 may request the settlement amount itself for settlement according to an internal procedure other than the settlement person, set the obligation to the settlement person, and proceed with the subsequent procedure.

The complex payment processing module 126 can request and process a payment by combining two or more payment methods such as a credit card, a check card, and a cash settlement.

Hereinafter, a method of setting a fee using the smart payment system according to an embodiment of the present invention will be described with reference to the drawings.

5 is a diagram illustrating a method of setting a fee using the smart payment system according to the embodiment of the present invention. In the following description, even though there is no separate description, each step-performing entity is the above-described smart settlement system and its constituent parts.

Referring to FIG. 5, a method for setting a fee using the smart payment system according to the present invention includes providing a system setting screen on the Web (S100). In response to a request from the user terminal, a settlement agency, (S110, S111, S121, S122) of setting a commission rate and storing the setting information generated or updated according to the setting result (S112, S122).

Step S100 is a step of providing the interface of the system setting unit to the user terminal connected to the smart payment system as a web form. Such an interface can be displayed by a dedicated client program installed in the user terminal.

Thereafter, either of the settlement agency setting step and the installment fee setting step may be performed according to the set function.

First, the settlement agency setting step (S110 to S112) includes a step S 110 in which the settlement agency may include the VAN company and the PG company and receives and registers the card company information in which the face-to-face ratio and the face- A step S111 of collectively or individually selecting any one of the VAN company and the PG company for each of the card issuers, and generating or updating setting information by matching the face-to-face and non- S112).

In step S110, the system setting unit receives the card company information and registers the face-to-face and face-to-face commission rates for each card in the system. Such card company information may be input from a user terminal or entered in advance by a system administrator and stored in a database, and the system setting unit registers the commission rate with reference to the card company information and prepares to generate or update setting information.

In step S111, the system setting unit selects a settlement agency for each card from the user terminal, and all the card companies can be collectively selected, or individually selected by the VAN company or the PG company. According to these settings, payment through the PG company can be performed through the smart payment system even if the payment is made face to face.

In step S112, the system setting unit generates initial setting information by matching the selected payment agency with respect to each card company, or updates the previously stored setting information.

In addition, the installment fee setting step (S120 to S122) includes a step (S120) of accepting and registering the card company information on which the card grooming fee commission rate is defined (S120), a step of selecting whether to buy or remove the card grooming fee from the user terminal S121) and, optionally, generating or updating the setting information (S122). In particular, the step (S121) of selecting whether or not the card grooming fee is valid may include a step of receiving the installment fee rate for each installment period.

In step S120, the system setting unit receives the card company information and registers each card reward payment fee in the system. Each installment fee may be set differently depending on the type of card company or card.

In step S121, the system setting unit receives the contents related to each card grooming unit from the user terminal. The system setting unit receives the no interest or the unused item for the installment, and can change the installment fee rate for each card company for each period.

The step S122 is a step of generating initial setting information or updating previously stored setting information by reflecting the presence or absence of no interest or interest and the installment fee rate inputted.

Hereinafter, the technical aspects of the present invention will be described in detail with reference to an example of an interface screen provided to a user terminal by a smart payment system according to an embodiment of the present invention.

6A to 6C are views illustrating payment and setting related interfaces among interface screens of a smart payment system according to an embodiment of the present invention.

6A, when a connection request and a login procedure are completed from a user terminal and a system setting menu is selected from a user terminal, the smart payment system of the present invention includes a setting window for setting a settlement method and a installment fee on a user terminal W100) can be displayed.

The setting window W100 may be classified into 'transaction type', 'card company', and 'selection', and may indicate a payment method according to a one-time payment, an installment payment cash receipt, a registered card company, and a credit card company.

The 'transaction type' field can be divided into two types of payment method setting: 'one-time payment' and 'payment by installment'. This means that when the 'lump-sum payment' and the 'installment payment' are made, the settlement agency's commission is set differently so that the payment method can be input separately

In addition, since the 'transaction type' is set differently for the same card company, the installment fee rate is differently applied to the setting information generated or updated by the setting window W100 according to the payment method and installment period selected for each card company .

The 'selection' field can be configured as a radio button type interface, and the user can select either the VAN company or the PG company by selecting the radio button W 110 collectively or individually for each card company .

In addition, the user can set the commission in a favorable manner by selecting one of the VAN company or PG company by selecting the radio button W110 collectively or individually for each installment period.

Here, two or more radio buttons W110 in the same row can not be selected, and at least one payment method must be selected for each card company.

FIG. 6B illustrates a screen displayed on the user terminal at the time of the card payment request according to the application of the setting information according to the embodiment of the present invention, and illustrates a VAN company settlement screen W110.

The smart payment system according to the embodiment of the present invention can provide functions for various business processes. Typically, the smart payment system includes a card payment processing function, a hand payment processing function, an SMS payment processing function, Processing function "," loan payment processing function "and" complex payment processing function ", and a menu window W112 for selecting these functions can be displayed on one side of the payment screen.

If the 'card payment processing function' is selected and the payment method is set to the VAN company in the setting information collectively, the payment screen W110 as shown in FIG. 6B can be provided.

The settlement screen W110 may include a payment amount input field, a payment method selection field, an installment period selection field, and a total amount display field. The user may set a settlement amount and a payment term To enter the payment process.

At this time, since all the card issuers are set to the VAN company by the setting information, a separate card selection field is not displayed on the settlement screen W110.

6C illustrates a PG company settlement screen W120 among the screens displayed on the user terminal at the time of the card settlement request according to the setting information according to the embodiment of the present invention.

Referring to FIG. 6C, the PG company settlement screen W120 provided as the settlement method is collectively set as the VAN company in the setting information is similar to the VAN company settlement screen W110 described above, but the card selection column W122, Is displayed.

This is because, if the settlement agency is a PG company, since the installable period is different for each card company, the card company of the settlement request credit card is inputted through the card selection column W122 even if the settlement agency is set to PG company in a lump. Also, although not shown, even when an agency is selectively set for each card company, a card selection box in the settlement screen is included.

FIGS. 7A and 7B are views illustrating payment and setting related interfaces among interface screens of a smart payment system according to an embodiment of the present invention.

7A and 7B, the smart settlement system of the present invention has a commission rate agreement with a credit card company and a settlement agency in advance, which can be included in the card company information and stored in a database, The face-to-face and non-face-to-face settlement commission rates can be displayed on the user terminal in tabular form.

Here, as illustrated in FIG. 7A, the fee may vary depending on the kind of the payment means, that is, a credit card or a check card,

Referring to FIG. 7B, the system setting unit of the smart payment system of the present invention may include an installment fee setting module for setting an installment fee. The installment setting unit can provide an interface for setting the interest free or non-interest for each card company.

In detail, the installment fee setting window W160 may be configured as an interface through which the user can set the installment fee rate for each card type and period. The installment fee setting window W160 may include a fee list W161, and may provide a check button to select whether there is a interest or non-interest installment fee for each registered card company in the list.

In particular, in the installment fee setting window W160, if the user desires to change the commission rate, a separate input window W162 may be displayed according to the user's selection. The input window W162 may include an input field W163 for inputting the commission rate for each of face-to-face and non-face-to-face, and the user may reflect his / her intended settlement fee based on the agreement.

In addition, the smart payment system according to the embodiment of the present invention may provide a popup for notification on the user terminal upon completion of the payment procedure, and the user may selectively determine whether to display the popup .

FIG. 8 illustrates a pop-up setting window for setting whether to display a payment confirmation window according to a transaction type provided by the pop-up setting module of the system setting unit according to the embodiment of the present invention.

8, the pop-up setting window W170 can be classified into a 'transaction type' and a 'selection' field W172. The pop-up setting window W170 can be classified into a credit IC for a credit card transaction and a cash IC for a cash card transaction The user can provide a radio button W172 for individually selecting the deactivation (off) or the activation (on) of the pop-up window for each settlement method such as 'handwriting settlement', 'SMS settlement' and 'cash receipt'.

A user can select whether or not a pop-up window is displayed by selecting a radio button W172 for each settlement method, and a pop-up informing completion of the corresponding settlement may be displayed on the screen of the user terminal at the completion of the settlement procedure.

While a great many are described in the foregoing description, it should be construed as an example of preferred embodiments rather than limiting the scope of the invention. Accordingly, the invention is not to be determined by the embodiments described, but should be determined by equivalents to the claims and the appended claims.

10: user terminal 30: payment terminal
50: Payment Agency Server 100: Smart Payment System
110: Screen providing unit 120: Payment processing unit
130: Database 140:
150: payment management unit 200: system setting unit
210: Agency setting module 220: Install setting module
230: Popup Setting Module

Claims (9)

A screen providing unit for providing a plurality of screens related to settlement proceedings to the user terminal via the web;
A system setting unit for generating and updating setting information for determining a settlement agency and an installment fee rate at a time of face-to-face or non-face-to-face settlement at the request of the user terminal;
A payment processing unit for performing a payment procedure according to the setting information when a payment request is made using a credit card of a customer from a payment terminal connected to the user terminal; And
And a database for storing the setting information,
The system setting unit,
An agency setting module for selecting a VAN company or a PG company for each card and generating or updating the setting information; And
And an installment setting module for selecting the basic installment fee and the installment fee for each of the credit card companies and reflecting the selected installment fee to the setting information,
The agency setting module is set to select PG company as a settlement agency at the time of face settlement,
A credit card company registering function for receiving and registering card company information in which face-to-face face-to-face and face-to-face fee rates are defined;
A payment agency selection function for collectively or individually selecting any one of the VAN company or PG company for each card company; And
And a settlement mode setting function for matching the card commission fee rate to the selected settlement agency and reflecting the same on the setting information,
The settlement processing unit,
A card payment processing module for requesting settlement in cooperation with a payment terminal or a PG company server by referring to the setting information;
A loan payment processing module for requesting a self payment according to an internal procedure for the payment amount and setting a debt to the customer; And
A complex payment processing module for requesting settlement of a combination of two or more payment methods such as a credit card, a check card,
A smart payment system. delete delete The method according to claim 1,
The installment setting module includes:
A card issuer registration function for receiving and registering card issuer information defining a card re-payment commission rate;
A function of selecting installment fee for selecting whether to pay interest or not for each card installment fee; And
A commission setting function for reflecting the card wage-setting commission rate to the setting information
A smart payment system. 5. The method of claim 4,
The setting information includes:
The smart payment system in which the installment fee rate is differently applied according to a payment method selected for each card company. The method according to claim 1,
The system setting unit,
A pop-up setting module for setting whether to display a payment confirmation window according to a transaction type upon completion of a payment procedure by the payment processor,
Further comprising a smart payment system. delete delete delete

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