KR101941587B1 - Payment system and methods of which the card company confirms the user directly after receiving payment request - Google Patents

Abstract

The present invention provides a payment system which performs payment by directly checking a user with authentication information of a URL-NFC payment card to a URL-payment card which is received through an internet site corresponding to a URL by a card company server after the user requests the payment to a franchise (= POS terminal), and a payment method. Moreover, various additional services such as an advertisement and the like are provided to the internet site corresponding to the URL. In addition, the payment system comprises a URL-NFC payment card, a POS terminal, a smart device, and a card company server.

Description

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a payment system and a payment method in which a credit card company confirms a user after receiving a payment request,

A payment system for confirming the card information, the transaction details and the user of the payment card, and a payment method thereof.

The card company confirms the payment by confirming the card information and transaction details obtained from the merchant, indirectly confirms the signature of the user through the merchant and finally performs the settlement.

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In a transaction in which the user can not use the signature, the credit card company confirms the user information indirectly obtained through the merchant or PG (Payment Gateway) company and performs settlement.

Since the card company manages the card information and the user information and finally decides the settlement, the card company must directly obtain and confirm the user information. However, since the transaction is performed between the user and the merchant, the user information is transmitted through a payment agent Obtain the user indirectly.

Korean Patent No. 10-143787 discloses a method in which a card company indirectly obtains user information through a payment agent after a user makes a payment request and performs payment by confirming the user.

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Korean Patent No. 10-1751640 discloses that a card company directly obtains user information and confirms the user and then obtains transaction details and card information from a merchant or a payment agent within a predetermined time and performs payment.

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And a payment system and a payment method in which a card company directly obtains user information and confirms the user and performs payment after the user makes a payment request.

A payment card in which card information and a URL are stored internally and authentication information used by a user of an Internet site corresponding to the URL is set is used as a payment card, URL-NFC payment card; A POS terminal capable of receiving payment request information generated in response to a payment request of a user of a URL-NFC payment card to a card company server and obtaining approval result information from a card company server to perform payment request; A user accesses an Internet site using a URL, delivers authentication information obtained from a user to a credit card company server, transmits a payment request history confirmation information generated by a user on the Internet site to a credit card company server, Smart devices that can do; And the payment request information of the POS terminal, provides the settlement request history information generated corresponding to the settlement request information to the Internet site, directly confirms the user with the authentication information obtained to the internet site, and corresponds to the settlement request history confirmation information A card issuer server that can provide the approval result information to the POS terminal to perform a payment request; A billing system including the billing system,
The user of the URL-NFC payment card making a payment request to the POS terminal; Providing the payment request information generated by the POS terminal in response to the payment request to the card company server; The URL-NFC payment card delivering the URL to the smart device; Transmitting the authentication information of the URL-NFC payment card obtained from the user to the card company server by accessing the Internet site corresponding to the URL of the smart device; The credit card company server directly confirming the user with the authentication information and providing the payment request history information generated in response to the payment request information to the smart device; Providing a credit card company server with payment request history confirmation information generated by a user checking payment request history information at an Internet site; Providing the POS terminal with the approval result information generated by the credit card company server in response to the payment request history confirmation information; And the POS terminal performing the payment request corresponding to the approval result information; The payment method comprising:
After the user makes a payment request to the POS terminal, the card issuer server directly confirms the user with the authentication information and transmits the approval result information generated in response to the payment request history confirmation information to the POS terminal to perform the payment request.

The card company server confirms the user by further using the information of the smart device connected to the internet site, or the Internet site achieves the settlement system including the advertisement and the method of using the same.

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As a second means, a payment card having card information and a URL stored internally and having authentication information used by a user of an Internet site corresponding to the URL is set, and after a payment request is made to the POS terminal, a URL is transmitted to the smart device, A URL-NFC payment card that can perform the payment; A POS terminal capable of performing a payment request using the approval result information obtained from the card company server after transmitting the payment request information generated in response to the payment request of the user of the URL-NFC payment card to the card company server; A smart device capable of accessing an Internet site using a URL and transferring authentication information obtained from a user to a card company server to perform a payment request; And a card issuer server capable of directly receiving a payment request information of a POS terminal and directly confirming a user with authentication information obtained through an Internet site, and delivering approval result information to a POS terminal to make a payment request; A billing system including the billing system,
The user of the URL-NFC payment card making a payment request to the POS terminal; Providing the payment request information generated by the POS terminal in response to the payment request to the card company server; The URL-NFC payment card delivering the URL to the smart device; Transmitting the authentication information of the URL-NFC payment card obtained from the user to the card company server by accessing the Internet site corresponding to the URL of the smart device; Providing authentication result information generated by the card issuer server directly to the POS terminal by confirming the user directly with the authentication information; And a POS terminal performing a payment request in response to the approval result information; The payment method comprising:
After the user makes a payment request to the POS terminal, the card company server directly confirms the user with the authentication information, and transmits the approval result information generated to the POS terminal to perform the payment request.

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As a third means, a payment card that stores card information, matches a URL stored in a URL medium, and authentication information used by a user of an Internet site corresponding to the URL is set, requests a payment to the POS terminal, A URL-payment card where a payment request can be made; A POS terminal for delivering payment request information generated in response to a payment request of a user of a URL-payment card to a card company server and then making a payment request using approval result information obtained from a card company server; A URL medium capable of performing a payment request by forwarding the URL assigned to the URL-payment card to the smart device after the URL-payment card makes a payment request; A user accesses an Internet site using a URL, delivers authentication information obtained from a user to a credit card company server, transmits a payment request history confirmation information generated by a user on the Internet site to a credit card company server, Smart devices that can do; And the payment request information of the POS terminal, then provides the settlement request history information corresponding to the settlement request information to the Internet site, directly confirms the user with the authentication information obtained at the Internet site, and generates the payment request history information corresponding to the settlement request history confirmation information A card issuer server that can provide approval result information to the POS terminal to perform a payment request; A billing system including the billing system,
A step in which the user of the URL-payment card makes a payment request to the POS terminal; Providing the payment request information generated by the POS terminal in response to the payment request to the card company server; Delivering a URL to a smart device; The smart device accesses the Internet site corresponding to the URL and transmits the authentication information of the URL-payment card obtained from the user to the card company server; The credit card company server directly confirming the user with the authentication information and providing the payment request history information generated in response to the payment request information to the smart device; Providing a credit card company server with payment request history confirmation information generated by a user checking payment request history information at an Internet site; Providing the POS terminal with the approval result information generated by the credit card company server in response to the payment request history confirmation information; And a POS terminal performing a payment request in response to the approval result information; The payment method comprising:
After the user makes a payment request to the POS terminal, the card issuer server directly confirms the user with the authentication information and transmits the approval result information generated in response to the payment request history confirmation information to the POS terminal to perform the payment request.

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As a fourth means, a payment card that stores card information, matches a URL stored in a URL medium, and authentication information used by a user of an Internet site corresponding to the URL is set, A URL-payment card where a payment request can be made; A POS terminal capable of performing settlement request using the approval result information obtained from the card company server after transmitting the settlement request information corresponding to the settlement request of the user of the URL-payment card to the card company server; A URL medium capable of performing a payment request by forwarding the URL assigned to the URL-payment card to the smart device after the URL-payment card makes a payment request; A smart device capable of accessing an Internet site using a URL and transferring authentication information obtained from a user to a card company server to perform a payment request; And a card issuer server capable of directly receiving a payment request information of a POS terminal and directly confirming a user with authentication information obtained through an Internet site, and delivering approval result information to a POS terminal to make a payment request; A billing system including the billing system,
A step in which the user of the URL-payment card makes a payment request to the POS terminal; Providing the payment request information generated by the POS terminal in response to the payment request to the card company server; Delivering a URL to a smart device; The smart device accesses the Internet site corresponding to the URL and transmits the authentication information of the URL-payment card obtained from the user to the card company server; Providing authentication result information generated by the card issuer server directly to the POS terminal by confirming the user directly with the authentication information; And a POS terminal performing a payment request in response to the approval result information; The payment method comprising:
After the user makes a payment request to the POS terminal, the card company server directly confirms the user with the authentication information, and transmits the approval result information generated to the POS terminal to perform the payment request.

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After the transaction details are confirmed by the payment request, the card company can check the user without any time limit, and the card company can check the user directly without the payment agent, so that the transaction fee of the payment agent can be reduced. You can check with your device and provide your information to the card company, which can reduce payment problems.

It is possible to provide the user information at the same time for the plurality of transactions in which the transaction details are confirmed by the settlement request, so that the settlement can be efficiently performed, and since there is no time limit in confirming the user after the transaction details are determined, Can be more exposed, which is advantageous for profit generation.

After the payment request of the agent on behalf of the user is made, the user can confirm the transaction details and directly provide the user information to the card company to perform the settlement, thereby preventing misuse or theft of the agent.

BRIEF DESCRIPTION OF THE DRAWINGS Fig. 1 is a configuration diagram showing an embodiment of an existing payment system for performing settlement with a payment card. Fig.
2 is a block diagram of Korean Patent No. 10-1751640.
3 is a flowchart of Korean Patent No. 10-1751640.
4 is a configuration diagram showing an embodiment of a payment system according to the present invention.
5 is a flow chart for performing settlement in the configuration of FIG.
6 is a configuration diagram showing another embodiment of the settlement system according to the present invention.
7 is a flowchart for performing settlement in the configuration of FIG.

Hereinafter, preferred embodiments of the present invention will be described in detail with reference to the accompanying drawings. It is to be understood that the terminology used herein is for the purpose of description and should not be interpreted as limiting the scope of the present invention.

The embodiments described in the present specification and the configurations shown in the drawings are preferred embodiments of the present invention and are not intended to represent all of the technical ideas of the present invention and thus various equivalents and modifications Can be.

The Uniform Resource Locator (URL) refers to a standard for displaying the location of a file on servers providing various services of a web document. In the present invention, a URL-NFC payment card is allocated to distinguish the URL- And the like.

Near Field Communication (NFC) is advantageous in security due to very short distance communication and is used in the present invention to provide a URL as a smart device.

The NFC tag is composed of an NFC chip and a loop antenna and is configured to perform NFC communication. The NFC tag and the loop antenna are fixedly connected, or a terminal connected to the NFC chip and a terminal connected to the loop antenna It can be configured to be able to be contacted and separated.

In the present invention, the URL may be stored in an NFC chip embedded in a payment card having a payment function, or in an NFC chip incorporated in a URL medium, which is a separate medium associated with a payment card.

1 is a block diagram showing an embodiment of an existing payment system.

1, the conventional payment system may include a payment card (user) 110, a POS terminal (merchant shop) 120, and a card company server (card company) 130.

The payment card 110 stores only the card information necessary for performing a payment such as a credit card or a check card, and the user makes a payment request while providing the card information of the payment card to the merchant.

In response to the payment request, the merchant 120 transmits the payment request information generated by the card information and the transaction details to the card company server to request approval of the payment.

The merchant is responsible for connecting the user to the credit card company. To do so, the credit card company (PG, VAN, etc.) is used.

The card issuer server 130 confirms the settlement request information and generates approval result information, which is a result of approval or disapproval of the settlement, and transmits the approval result information to the merchant.

The merchant makes a request to authenticate the user as a normal user of the payment card.

The user proves that the user is a normal user by signing.

If you are not able to sign in the process of making a payment (for example, when electronic payment is required, or when you sell the card without a card reader), the merchant uses a company (such as PG Company) acting as a payment agent.

When a signature can not be made, the card information (card number, validity period, etc.), secret information, user's personal information (personal serial number, business registration number, etc.) To PG.

In this way, the existing payment system and the payment method perform the settlement by the indirect indirect confirmation method in which the user information is acquired indirectly through the merchant or the payment agent to confirm the user.

[0006] In the conventional billing system as shown in FIG. 1, the following indirect billing method has the following problems.

First, since the card company obtains the user information indirectly through the merchant or the payment agent, the user information may be stolen or denied.

Second, additional costs are incurred due to incompleteness of user identification.

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FIG. 2 is a block diagram of a billing system for performing settlement using a payment card in a method of directly confirming a user in advance, and FIG. 3 is a flowchart illustrating a billing system of FIG. Fig.

Referring to FIGS. 2 and 3, Korean Patent No. 10-1751640 discloses a smart card reader / writer having a URL-NFC payment card (user 210, S310), a POS terminal (merchant store 220, S320), smart devices 230 and S330, , S340).

The components of FIG. 2 are the same as those of the present invention, but the operation and the process of components in the process of performing settlement are different.

The URL-NFC payment card 210 or S3100 performs NFC communication with the smart device before requesting a payment, and transmits the URL to the smart device. The smart device receives the URL and immediately accesses the card company server And transmits authentication information for confirming the user to the card company server.

The card issuer server directly confirms the authentication information and provides the Internet site where the login is made, and the user transmits the payment intention information to the card company server.

The card issuer server generates payment schedule information corresponding to the pending payment pseudo information and waits for payment request information to be received within the reference time.

When the user makes a payment request to the merchant through the URL-NFC payment card, the merchant transmits the payment request information generated in response to the payment request through the POS terminal to the card company server.

The card issuer server determines whether payment request information has arrived within the reference time generated in correspondence with the payment schedule information, and generates approval result information to be transmitted to the merchant.

The merchant transmits the payment result to the user in response to the approval result information and ends the payment.

The card company server of FIG. 2 and FIG. 3 are integrated with a card company server in the sense that the payment server and the additional server of Korean Patent No. 10-1751640 are managed and operated by the card company.

The billing system and the payment method of Korean Patent No. 10-1751640 are referred to as 'precedent direct confirmation method' in this specification because the card company performs the settlement by checking the user directly before the payment request.

The payment system and payment method of FIG. 2 and FIG. 3 have the following problems.

First, since the user confirms the user in advance without confirming the transaction details, it is not possible to prevent the abuse or theft of the agent in the transaction on behalf of the user.

Second, it is inconvenient to make payment request within the standard time after confirming the identity.

Third, it is impossible to judge multiple transaction details and proceed payment at the same time.

FIG. 4 is a configuration diagram illustrating an embodiment of a payment system according to the present invention, and FIG. 5 is a flowchart for performing settlement with the configuration of FIG.

4 and 5, the present invention may include a URL-NFC payment card 410, S510, POS terminals 420 and S520, smart devices 430 and S530, and card issuer servers 440 and S540. have.

The URL-NFC payment cards 410 and S510 include an NFC communication function for delivering a URL, which is divided into a payment function such as a credit card or a check card, and a URL-NFC payment card, to the smart device, Communication with the POS terminal, requesting settlement, NFC communication with the smart device, accessing the Internet site corresponding to the URL, transmitting the authentication information, and logging in to the Internet site.

After the user of the URL-NFC payment card makes a payment request to the merchant (= POS terminal), the card company server can directly confirm the user with the authentication information obtained through the Internet site corresponding to the URL of the URL-NFC payment card.

The card company server directly confirms the user with the authentication information, provides the settlement request history information corresponding to the settlement request information through the Internet site that is logged in to the smart device, receives the settlement request history confirmation information corresponding to the settlement request history information from the user And provides the approval result information generated by the POS terminal to the POS terminal, and the POS terminal can perform settlement using the approval result information.

Another method of directly confirming the user by the card issuer server is to generate approval result information corresponding to the payment request information and to provide the POS terminal with the approval result information only when the card issuer server confirms the authentication information, It is possible to perform settlement correspondingly.

4 and 5, the card issuer directly confirms the user after requesting the credit card company to approve the payment through the merchant through the merchant.

This method differs from the method of indirectly checking the user through the merchant in FIG. 1 and differs from the method in FIG. 2 or 3 in which the card company confirms the user in advance before receiving the payment request.

The login of the Internet-site corresponding to the URL of the URL-NFC payment card with the authentication information set in the URL-NFC payment card means that the user is not logged in as a user using the URL-NFC payment card, Means that the user logs in by the payment card unit. Even if the user has a plurality of URL-NFC payment cards, the card company server separates each URL-NFC payment card from the URL and authentication information and accepts login.

The URL-NFC payment card stores the card information necessary for requesting payment to the merchant, such as magnetic or dedicated IC, and stores the URL required for accessing the Internet site provided by the card issuer server in the NFC chip.

Recently, there is a payment card (referred to as an 'NFC-payment card' in the present invention) for delivering card information to NFC communication. Card information stored in the NFC chip of the NFC- The URL stored in the NFC chip of the URL-NFC payment card can not request payment to the merchant because the purpose and role of the NFC chips are different.

In order to solve the problem occurring when applying the NFC tag for communicating the URL of the URL-NFC payment card to the payment card or the NFC-payment card to which the RFID communication method is applied, a terminal connected to the NFC chip and a terminal connected to the loop antenna And a method of separating the NFC tag into a separate medium (referred to as a " URL medium " in the present invention).

The POS terminals 420 and S520 communicate with the URL-NFC payment card to receive the card information and generate payment request information including card information and transaction details in response to the user's payment request, And a function of notifying the user of the URL-NFC payment card of the 'payment result information' generated using the 'approval result information' received from the card issuer server.

The present invention is different from that of FIG. 1 in that a merchant (= POS terminal) does not identify a user of a URL-NFC payment card, and after receiving a payment request to a card company server, 2 to Fig.

Since the card company confirms the user directly, the merchant does not need to use a payment agent (such as PG company) for payment, so that it is possible to reduce costs such as a subscription fee and a fee to be paid to PG company.

Also, the POS terminal generally comprises a card reader, a cash register, and a sine pad. In the present invention, a sine pad is not required.

The smart devices 430 and S530 perform NFC communication with the URL-NFC payment card to receive the URL and directly access the card company server to receive the Internet site provided by the card issuer server and to receive the authentication information from the user, And a function of receiving the settlement request history information through the Internet site where the login is accepted and transmitting the settlement request history confirmation information corresponding thereto to the card company server.

The smart device information may also be transmitted to the card issuer server.

The above-described smart device differs from the above-described FIG. 2 to FIG. 3 in that the smart device is not shown in FIG. 1 and transmits the settlement request history confirmation information generated in response to the settlement request history information received through the logged-in Internet site to the credit card company server.

A smart device is an electronic device including an NFC communication function, a function for exchanging information with a user, and a function for accessing the Internet. Typically, a smart phone can be exemplified. An electronic device such as a computer is connected to an auxiliary device for NFC communication And can operate as a smart device.

The card issuer servers 440 and S540 receive the payment request information from the merchant (= POS terminal), the function of providing the Internet site corresponding to the URL used while accessing the smart device, and the authentication information of the URL-NFC payment card And a function of accepting log-in as a unit of URL-NFC payment card, a function of transferring the settlement request history information generated corresponding to the settlement request information, and a function of confirming the approval result created in response to the settlement request history confirmation information received from the smart device And a function of transmitting information to the POS terminal.

5 and 7, the dotted line of the card issuer server means the flow inside the card issuer server.

The card issuer server confirms the authentication information of the URL-NFC payment card received through the smart device, directly confirms that the user is the user, notifies the user that the user has been authenticated by providing the logged-in Internet site as a smart device, Receives the settlement request history information through the Internet site, regards the settlement request history confirmation information received as the second settlement request, generates the approval result information, and transmits the approval result information to the POS terminal, and receives the second settlement request .

The operation of the card issuer server differs from that of FIG. 1 in that authentication information received through the smart device is confirmed and the user is directly confirmed. After receiving the payment request information, the authentication information of the URL-NFC payment card is checked to confirm the user The payment request history information corresponding to the payment request information is generated and transmitted to the Internet site where the login is accepted to receive the payment request history confirmation information from the user to generate the approval result information and deliver it to the POS terminal. .

The card issuer server may be physically divided into a server communicating with the POS terminal and a server communicating with the smart device, but this case also corresponds to a card company server in that it is managed and operated by a credit card company.

If the user of the URL-NFC payment card requests the payment while providing the card information to the merchant, the URL-NFC payment card is provided directly if the card reader can be used. If the card reader can not be used, Information such as the card number and the expiration date of the NFC payment card is transmitted through a method such as oral or telephone conversation or screen input.

The payment request information is the information that the merchant receiving the payment request generates by generating the card information and the transaction details (merchant information, transaction amount, item, date, etc.) and requesting approval of the payment to the card company server.

If the URL-NFC payment card is brought close to the smart device, the URL in the URL-NFC payment card is transmitted to the smart device by NFC communication, and the smart device is directly connected to the Internet site corresponding to the URL.

The connection means that the smart device connects directly to the Internet site corresponding to the URL while receiving the URL. By using this URL, the user can access the URL without going through another internet route, thereby preventing unauthorized access and sending the URL to the URL- Can be used as an ID.

The smart device information is transmitted to the card company server as information unique to the smart device (IP of the smart device, OS serial number, MAC address, or device identification information (IMEI, International Mobile Equipment Identity)) so that the user of the URL- As shown in FIG.

The Internet site provides the smart device connected to the card company server in correspondence with the URL.

The authentication information is secret information set for each URL-NFC payment card. When a URL-NRC payment card user memorizes it, one authentication information is set when a URL is used as an ID, and two pieces of authentication information are set if a URL is not used as an ID.

When the authentication information is temporarily changed, the authentication information may be temporarily requested to the card company server from the Internet site where the login is made. The authentication information set at this time is referred to as temporary authentication information.

The delivery of the authentication information of the URL-NFC payment card to the card company server means that the card company directly confirms the user of the URL-NFC payment card.

The login accept means that the card issuer server has directly confirmed that the user is normal with the authentication information. In the case of FIG. 3, the login acceptance is performed first and the payment request is performed. However, the present invention requests the payment and accepts the login.

In this case, the user can not receive the payment request history information desired by the user but can use various additional services provided by the card company server.

It is possible to accept the payment request by accepting the login without providing the settlement request history information, generate the approval result information, and deliver it to the POS terminal.

The settlement request history information is information provided by the card company server in response to the settlement request information, so that the user of the URL-NFC payment card can confirm the transaction details.

The settlement request history information may be provided in a plurality corresponding to a plurality of settlement requests.

The settlement request history confirmation information has a meaning of requesting settlement of the settlement request information by the user, selecting and confirming the settlement request history information and delivering it to the card company server.

The approval result information is transmitted to the merchant through the generated information by confirming that the user is the user in response to the payment request information, receiving the payment request history confirmation information, and determining whether to approve the payment request.

The payment result information is information that the merchant transmits to the user as a result of the payment request generated by using the approval result information.

FIG. 6 is a configuration diagram showing another embodiment of a payment system using a payment card according to the present invention, and FIG. 7 is a flowchart of a settlement in the configuration diagram of FIG.

FIG. 6 is different from FIG. 5 in that the URL-NFC payment card is divided into URL-payment cards 610A and S710A and URL media 610B and S710B, and the other configurations are the same.

The URL-payment cards 610A and S710A and the URL media 610B and S710B interlock with each other and have the same functions and characteristics as the URL-NFC payment card.

The URL-payment card stores only the card information, the allocated URL is stored in the NFC chip of the URL medium, and the authentication information of each URL-payment card is also set.

In this way, a communication overlap problem that occurs when the concept of a URL-NFC payment card is applied to a payment card having an NFC-payment card or an RFID communication function is solved.

In the case of the card company, the user of the URL-payment card makes a payment request to the merchant (= POS terminal), and the merchant transmits the payment request information to the card company server and then accesses the Internet site corresponding to the URL as the URL medium, The authentication information of the payment card is transmitted to the card company server, and the card company server can directly confirm the user with the authentication information.

110: payment card 120: POS terminal, electronic payment
130: Card issuer server 210: URL-NFC payment card
220: POS terminal 230: Smart device
240: Card issuer server S310: URL-NFC payment card
S320: POS terminal S330: Smart device
S340: Card issuer server 410: URL-NFC payment card
420: POS terminal 430: Smart device
440: Card issuer server S510: URL-NFC payment card
S520: POS terminal S530: Smart device
S540: Card issuer server 610A: URL-payment card
610B: URL medium 620: POS terminal
630: smart device 640: card issuer server
S710A: URL-payment card S710B: URL medium
S720: POS terminal S730: Smart device
S740: Card issuer server

Claims (20)

Stores the card information and URL therein, and transmits the URL to the smart device after making a payment request to the POS terminal, as the payment card having the authentication information used by the user of the Internet site corresponding to the URL, A URL-NFC payment card that you can;
A POS terminal capable of receiving payment request information generated in response to the payment request of the user of the URL-NFC payment card to the card company server and obtaining approval result information from the card company server to perform the payment request;
Accessing the Internet site by using the URL, transferring the authentication information obtained from the user to the credit card company server, receiving payment request history confirmation information generated by the user by checking the payment request history information from the Internet site, A smart device capable of delivering the payment request to the server and performing the payment request; And
Providing the settlement request history information generated corresponding to the settlement request information after obtaining the settlement request information of the POS terminal to the Internet site and directly confirming the user with the authentication information obtained at the Internet site, And a card issuer server capable of providing the approval result information generated in correspondence with the settlement request history confirmation information to the POS terminal to perform the settlement request,
After the user makes the settlement request to the POS terminal, the credit card company server directly confirms the user with the authentication information and delivers the approval result information generated corresponding to the settlement request history confirmation information to the POS terminal And the payment server performs the payment request. The system according to claim 1, wherein the card issuer server
And further confirms the user using information of the smart device connected to the Internet site. The method of claim 1, wherein the Internet site
A billing system further comprising advertising information. a) the user of the URL-NFC payment card making a payment request to the POS terminal;
b) providing the payment request information generated by the POS terminal in response to the payment request to a card company server;
c) the URL-NFC payment card delivers the URL to the smart device;
d) transmitting the authentication information of the URL-NFC payment card obtained from the user to the card company server by accessing the Internet site corresponding to the URL of the smart device;
e) the credit card server directly confirms the user with the authentication information and provides the payment request history information generated in response to the payment request information to the smart device;
f) providing the payment request history confirmation information generated by the user by checking the payment request history information on the Internet site to the card company server;
g) providing the approval result information generated by the credit card company server in response to the payment request history confirmation information to the POS terminal; And
h) the POS terminal performing the payment request in response to the approval result information; / RTI >
After the user makes the settlement request to the POS terminal, the credit card company server directly confirms the user with the authentication information and delivers the approval result information generated corresponding to the settlement request history confirmation information to the POS terminal And the payment request is performed. The system according to claim 4, wherein the card issuer server
Confirming the user by further using information of the smart device connected to the Internet site; Further comprising: Stores the card information and URL therein, and transmits the URL to the smart device after making a payment request to the POS terminal, as the payment card having the authentication information used by the user of the Internet site corresponding to the URL, A URL-NFC payment card that you can;
A POS terminal capable of performing the settlement request using the approval result information obtained from the card company server after transmitting the settlement request information generated in response to the settlement request of the user of the URL-NFC payment card to the card company server;
A smart device capable of accessing the Internet site using the URL and transferring the authentication information obtained from the user to the card company server to perform the payment request; And
The POS terminal can acquire the payment request information of the POS terminal and directly confirm the user with the authentication information obtained through the Internet site to deliver the approval result information to the POS terminal to perform the payment request Card company server; / RTI >
And the payment request is transmitted to the POS terminal after the user makes the settlement request to the POS terminal by directly confirming the user with the authentication information. Billing system. The system according to claim 6, wherein the card issuer server
And further confirms the user using information of the smart device connected to the Internet site. 7. The system of claim 6, wherein the Internet site
A billing system further comprising advertising information. a) the user of the URL-NFC payment card making a payment request to the POS terminal;
b) providing the payment request information generated by the POS terminal in response to the payment request to a card company server;
c) the URL-NFC payment card delivers the URL to the smart device;
d) transmitting the authentication information of the URL-NFC payment card obtained from the user to the card company server by accessing the Internet site corresponding to the URL of the smart device;
e) providing the approval result information generated by the credit card company server directly to the POS terminal by confirming the user with the authentication information; And
f) the POS terminal performing the payment request corresponding to the approval result information; / RTI >
And the payment request is transmitted to the POS terminal after the user makes the settlement request to the POS terminal by directly confirming the user with the authentication information. How to pay. The system according to claim 9, wherein the card issuer server
Confirming the user by further using information of the smart device connected to the Internet site; Further comprising: A settlement card that stores card information, matches with a URL stored in a URL medium, and sets authentication information used by a user of the Internet site corresponding to the URL, and requests settlement to the POS terminal, A URL-payment card that can carry out the payment;
A POS terminal for transmitting the payment request information generated in response to the payment request of the user of the URL-payment card to the card company server and then performing the payment request using the approval result information obtained from the card company server;
A URL medium capable of performing the payment request by transmitting the URL assigned to the URL-payment card to the smart device after the URL-payment card makes the payment request;
Accessing the Internet site by using the URL, transferring the authentication information obtained from the user to the credit card company server, receiving payment request history confirmation information generated by the user by checking the payment request history information from the Internet site, A smart device capable of delivering the payment request to the server and performing the payment request; And
After receiving the settlement request information of the POS terminal, provides the settlement request history information corresponding to the settlement request information to the Internet site, directly confirms the user with the authentication information obtained at the Internet site, A card issuer server capable of providing the approval result information generated in correspondence with the history confirmation information to the POS terminal and performing the payment request; / RTI >
After the user makes the settlement request to the POS terminal, the credit card company server directly confirms the user with the authentication information and transmits the approval result information generated corresponding to the settlement request history confirmation information to the POS terminal And the payment server performs the payment request. 12. The system according to claim 11, wherein the card issuer server
And further confirms the user using information of the smart device connected to the Internet site. 12. The system of claim 11, wherein the Internet site
A billing system further comprising advertising information. a) a step of the user of the URL-payment card making a payment request to the POS terminal;
b) providing the payment request information generated by the POS terminal in response to the payment request to a card company server;
c) delivering the URL to the smart device;
d) transmitting the authentication information of the URL-payment card obtained from the user to the card company server by accessing the Internet site corresponding to the URL by the smart device;
e) the credit card server directly confirms the user with the authentication information and provides the payment request history information generated in response to the payment request information to the smart device;
f) providing the payment request history confirmation information generated by the user by checking the payment request history information on the Internet site to the card company server;
g) providing the approval result information generated by the credit card company server in response to the payment request history confirmation information to the POS terminal; And
h) the POS terminal performing the payment request in response to the approval result information; / RTI >
After the user makes the settlement request to the POS terminal, the credit card company server directly confirms the user with the authentication information and delivers the approval result information generated corresponding to the settlement request history confirmation information to the POS terminal And the payment request is performed. 15. The system according to claim 14, wherein the card issuer server
Confirming the user by further using information of the smart device connected to the Internet site; Further comprising: a payment method; A settlement card that stores card information, matches with a URL stored in a URL medium, and sets authentication information used by a user of an Internet site corresponding to the URL, and requests a settlement to the POS terminal, A URL-payment card that can carry out the payment;
A POS terminal capable of performing the settlement request using the approval result information obtained from the card company server after transmitting the settlement request information corresponding to the settlement request of the user of the URL-payment card to the card company server;
A URL medium capable of performing the payment request by transmitting the URL assigned to the URL-payment card to the smart device after the URL-payment card makes the payment request;
A smart device capable of accessing the Internet site using the URL and transferring the authentication information obtained from the user to the card company server to perform the payment request; And
The POS terminal can acquire the payment request information of the POS terminal and directly confirm the user with the authentication information obtained through the Internet site to deliver the approval result information to the POS terminal to perform the payment request Card company server; / RTI >
And the payment request is transmitted to the POS terminal after the user makes the settlement request to the POS terminal by directly confirming the user with the authentication information. Billing system. 17. The system according to claim 16, wherein the card issuer server
And further confirms the user using information of the smart device connected to the Internet site. 17. The system of claim 16, wherein the Internet site
A billing system further comprising advertising information. a) a step of the user of the URL-payment card making a payment request to the POS terminal;
b) providing the payment request information generated by the POS terminal in response to the payment request to a card company server;
c) delivering the URL to the smart device;
d) transmitting the authentication information of the URL-payment card obtained from the user to the card company server by accessing the Internet site corresponding to the URL by the smart device;
e) providing the approval result information generated by the credit card company server directly to the POS terminal by confirming the user with the authentication information; And
f) the POS terminal performing the payment request corresponding to the approval result information; / RTI >
And the payment request is transmitted to the POS terminal after the user makes the settlement request to the POS terminal by directly confirming the user with the authentication information. How to pay. 20. The system according to claim 19, wherein the card issuer server
Confirming the user by further using information of the smart device connected to the Internet site; Further comprising: a payment method;

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