KR102033576B1 - System, apparatus and method for electronic payment - Google Patents

Abstract

The present invention relates to an electronic payment system, an apparatus, and a method, comprising: setting, by an electronic payment approval server, a withdrawal account of the electronic payment card by reflecting information input by a user of the electronic payment card; An electronic payment approval request step, wherein the electronic payment approval server receives a request for approval of the electronic payment using the electronic payment card from a merchant terminal from the electronic payment processing server; An approval determination step of determining, by the electronic payment approval server, whether to approve the electronic payment; And when the electronic payment approval server approves the electronic payment, transmits a message including information on the withdrawal account of the electronic payment card to the electronic payment processing server, thereby allowing the electronic payment processing server to manage the withdrawal account. A withdrawal request step of requesting the withdrawal account management server of the first financial institution to withdraw the payment according to the payment from the withdrawal account, wherein the electronic payment approval server sends the withdrawal account to the user of the electronic payment card; An electronic payment method is disclosed that can be changed to an account of a selected financial institution among a plurality of financial institutions.

Description

Electronic payment system, device and method {SYSTEM, APPARATUS AND METHOD FOR ELECTRONIC PAYMENT}

The present invention relates to an electronic payment system, an apparatus, and a method. In particular, a user selects a convenient financial institution account from among various financial institution accounts, sets it as a withdrawal account, and uses the electronic withdrawal card such as a check card. The present invention relates to an electronic payment system, an apparatus, and a method for making a payment from an account.

Recently, an electronic payment technology that performs payment of an electronic payment method in place of the traditional payment method of paying cash or the like has been in the spotlight. Accordingly, various types of electronic payment systems are being attempted by leading companies such as Apple's Apple Pay to provide electronic payment services using smartphones or electronic payment cards.

As an example of the implementation of the electronic payment service, a method of configuring an electronic payment system using a card such as a credit card, a debit card, or a debit card is also one of the influential options. When providing an electronic payment service through the card, it is possible to use the conventional card payment system as it is, it may have a difference that the use method is familiar.

In particular, check or debit cards (hereinafter referred to as check cards, etc.) are deducted from the payment account as soon as the payment is made, so that payment can be made within the balance of the payment account, thereby preventing indiscriminate use of the card. It can also have advantages such as the use is increasing trend.

By the way, the check card or the like is usually dependent on the financial institution that issues the card, so that it is difficult for the user to freely change the payment account to an account of a financial institution other than a predetermined financial institution. If you want to change the payment account to another financial institution's account is not allowed to change the payment account, there was a problem that must be issued a separate check card, etc. from another financial institution. In addition, there are various inconveniences such as the user has to go through a cumbersome authentication procedure in the homepage of the financial institution that issued the card in order to check the usage history of the check card or the like.

Accordingly, the user can select an account of a convenient financial institution among the accounts of various financial institutions, set it as a withdrawal account, and then use an electronic payment card such as a check card to easily settle the payment from the set account. While there is a continuing demand, there is no effective solution yet.

Republic of Korea Patent Publication No. 10- 2000-0030596 (2000.06.05)

Electronic payment system, apparatus and method according to an embodiment of the present invention, the user selects the account of a convenient financial institution among the accounts of various financial institutions to set as a withdrawal account, and then set the above using an electronic payment card such as a check card It aims to be able to settle payment from account.

In addition, an electronic payment system, an apparatus, and a method according to an embodiment of the present invention are intended to enable a user to more easily check the use history of an electronic payment card such as a check card.

Furthermore, an electronic payment system, apparatus, and method according to an embodiment of the present invention provide a user with an additional benefit of using an electronic payment card such as a check card, and also provide a system operator with a marketing means using the same. do.

Electronic payment method according to an aspect of the present invention for solving the above problems,

Setting up a withdrawal account of the electronic payment card by reflecting the information input by the user of the electronic payment card; An electronic payment approval request step, wherein the electronic payment approval server receives a request for approval of the electronic payment using the electronic payment card from a merchant terminal from the electronic payment processing server; An approval determination step of determining, by the electronic payment approval server, whether to approve the electronic payment; And when the electronic payment approval server approves the electronic payment, transmits a message including information on the withdrawal account of the electronic payment card to the electronic payment processing server, thereby allowing the electronic payment processing server to manage the withdrawal account. A withdrawal request step of requesting the withdrawal account management server of the first financial institution to withdraw the payment according to the payment from the withdrawal account, wherein the electronic settlement adult server sends the withdrawal account to the user of the electronic payment card; Characterized in that can be changed to the account of the selected financial institution of the plurality of financial institutions.

A computer program according to another aspect of the present invention is a computer program stored in a readable medium for executing each step of the electronic payment method described above on a computer.

Electronic payment server according to another aspect of the present invention,

A withdrawal account setting unit for setting a withdrawal account of the electronic payment card by reflecting information input by the user of the electronic payment card; An electronic payment approval request receiving unit requesting for approval of an electronic payment using the electronic payment card at an affiliated store terminal from an electronic payment processing server; An approval determining unit determining whether the electronic payment is approved; And transmitting a message including information on the withdrawal account of the electronic payment card to the electronic payment processing server, thereby causing the electronic payment processing server to manage the withdrawal account management server of a first financial institution that manages the withdrawal account. Withdrawal request unit for requesting the withdrawal from the withdrawal account, the withdrawal account is characterized in that the user of the electronic payment card can be changed to the account of the financial institution selected from a plurality of financial institutions.

Electronic payment system, apparatus and method according to an embodiment of the present invention, the user selects the account of a convenient financial institution among the accounts of various financial institutions to set as a withdrawal account, the payment of an electronic payment card such as a check card set By interlocking with the process, the user can freely change the payment account of the electronic payment card such as the check card to an account of a financial institution other than the financial institution that has issued the check card.

Accordingly, the electronic payment system, apparatus, and method according to an embodiment of the present invention do not require a user to additionally issue a check card to use an account of another financial institution as a payment account of an electronic payment card such as a check card. You lose.

In addition, the electronic payment system, apparatus and method according to an embodiment of the present invention has an effect of allowing a user to more easily check related information such as usage history of an electronic payment card such as a check card.

Furthermore, the electronic payment system, apparatus, and method according to an embodiment of the present invention can provide a user with additional benefits of using an electronic payment card such as a check card, and also provide a system operator with a marketing means using the same. .

BRIEF DESCRIPTION OF THE DRAWINGS The accompanying drawings, included as part of the detailed description in order to provide a thorough understanding of the present invention, provide examples of the present invention and together with the description, illustrate the technical idea of the present invention.
1 is a block diagram of an electronic payment system according to an embodiment of the present invention.
2 is a diagram illustrating a withdrawal account setting in an electronic payment system according to an embodiment of the present invention.
3 is a view for explaining the operation of the electronic payment system according to an embodiment of the present invention.
4 is a flowchart illustrating an electronic payment method according to an embodiment of the present invention.
5 is an exemplary diagram of a withdrawal account setting screen in the electronic payment system according to an embodiment of the present invention.
6 is a view for explaining the operation sequence of the electronic payment system according to an embodiment of the present invention.
7 is a flowchart of an electronic payment system according to an embodiment of the present invention.
8 is a view for explaining the operation of the electronic payment system according to another embodiment of the present invention.
9 is a flowchart illustrating an operation of an electronic payment system according to another embodiment of the present invention.
10 is a block diagram of an electronic payment server according to another embodiment of the present invention.

As the inventive concept allows for various changes and numerous embodiments, particular embodiments will be described in detail with reference to the accompanying drawings.

In the following description of the present invention, if it is determined that the detailed description of the related known technology may obscure the gist of the present invention, the detailed description thereof will be omitted.

Terms such as 'first' and 'second' may be used to describe various components, but the components are not limited by the terms, and the terms are only used to distinguish one component from another component. Used.

In the case of using a conventional check card or debit card (hereinafter referred to as a "check card"), the user can use only a predetermined financial account such as a company's financial account by the financial institution that issued the check card, In the future, it is not allowed for the user to select a financial account convenient for him and set it as a withdrawal account for a check card or the like, or further change the withdrawal account previously registered for the check card or the like to an account of another financial institution.

In contrast, in the present invention, the user can select a convenient financial institution account from among various financial institution accounts at any time and set it as a withdrawal account, and the set withdrawal account is linked to a payment process of an electronic payment card such as a check card. Disclosed are an electronic payment system, apparatus, and method that can make a payment from a withdrawal account.

In the present invention, the electronic payment means any financial service performed by using an electronic means, and is used in a comprehensive sense including payment of a payment from a specific withdrawal account, transfer, and the like.

In addition, in the present invention, the electronic payment card is a card in which an amount is immediately transferred or withdrawn from a specific withdrawal account when an electronic payment is made, and includes a check card, a debit card, and the like. Used as

In addition, in the present invention, the electronic payment service provider is an electronic payment service according to the present invention using an electronic payment card (that is, after a user selects a convenient financial institution's account among various financial institution accounts and sets it as a withdrawal account. , An electronic payment service that allows the user to make a payment from the set withdrawal account using the electronic payment card) or participates in providing an electronic payment service according to the present invention.

DETAILED DESCRIPTION Hereinafter, exemplary embodiments of an electronic payment system, apparatus and method according to the present invention will be described in detail with reference to the accompanying drawings.

First, Figure 1 shows the configuration of the electronic payment system 10 according to an embodiment of the present invention. As can be seen in Figure 1 electronic payment system 10 according to an embodiment of the present invention is an electronic payment processing server 100, electronic payment approval server 200, withdrawal account management server (300a, 300b, 300c) And it may be configured to include a merchant terminal 500.

Referring to FIG. 1, when a user requests a payment from a specific merchant using an electronic payment card such as a check card, the electronic payment processing server 100 such as a card company approves the electronic payment using the electronic payment card. Requests and receives the electronic payment approval server 200 of the electronic payment service provider, and then withdrawal account management server 300a, 300b, 300c of a financial institution such as a bank corresponding to the payment account of the electronic payment card. After the withdrawal of the payment, the authorization response to the payment request of the electronic payment card is transmitted to the affiliated store. In this case, the electronic payment approval server 200 may change the withdrawal account to an account of another financial institution without being limited to a financial institution that issued the electronic payment card by reflecting information input by the user of the electronic payment card. Accordingly, the user can select an account of a convenient financial institution among the accounts of various financial institutions, set it as a withdrawal account, and then use the electronic payment card such as a check card to pay or withdraw cash from the set withdrawal account. do.

In this case, the electronic payment processing server 100 may be a server of a financial institution such as a card company or a bank that issued the electronic payment card, but is not necessarily limited thereto.

In addition, the electronic payment approval server 200 may be a server operated by an electronic payment service provider that provides electronic commerce or electronic payment service to users, and the electronic payment service provider may use the electronic payment card. Issuing and operating the electronic payment processing server 100 may operate a separate server independent of a financial institution and the like to process the payment process of the electronic payment card.

For example, an electronic payment service provider that provides services such as electronic commerce to users may issue a check card or the like to issue an electronic payment card in cooperation with a financial institution that provides electronic payment service for an affiliated store. An electronic payment service using an electronic payment card can be provided. In such a case, the electronic payment service provider may have an advantage of providing electronic payment services in a plurality of affiliated stores secured by the financial institution to users who are its customers, and the electronic payment also as the financial institution. It may have an advantage that users obtained from a service company may be used as customers using their own merchants and payment processes. In addition, as a user, according to the present invention, it is possible to change the withdrawal account for the electronic payment card into an account of a financial institution that is convenient for the user.

In addition, the electronic payment service provider may provide an electronic payment service according to an embodiment of the present invention to users who use services such as electronic commerce or electronic payment, which are operated by the electronic payment service provider. It can also have advantages in that the service can be integrated.

Accordingly, the electronic payment approval server 200 provides the information about the withdrawal account set by the user according to the request of the electronic payment processing server 100 to be reflected in the payment process of the electronic payment card. You will be able to make payments or withdraw cash from the withdrawal account you choose.

Furthermore, the present invention is not necessarily limited to the above embodiments, and the electronic payment service provider or the financial institution operates both the electronic payment processing server 100 and the electronic payment approval server 200 to perform one embodiment of the present invention. It is also possible to configure the electronic payment system 10 according to the embodiment.

In addition, the electronic payment processing server 100, the electronic payment approval server 200, withdrawal account management server 300, etc. are described separately as one embodiment of the present invention, but the server will be described separately according to its function. It does not have to be implemented on independent hardware.

In addition, the electronic payment processing server 100, electronic payment approval server 200, withdrawal account management server (300a, 300b, 300c) and the merchant terminal 500 are connected to each other through the communication network 30 to the electronic payment Send and receive the data you need.

In this case, the communication network 30 may include a wired network and a wireless network, and specifically, a local area network (LAN), a metropolitan area network (MAN), a wide area network (WAN) Network, value added network (VAN) and the like. The communication network 30 may also include a known World Wide Web (WWW). However, the communication network 10 according to the present invention is not limited to the networks listed above, and may include at least part of a known wireless data network, a known telephone network, or a known wired / wireless television network.

2 illustrates a drawing for explaining the setting of a withdrawal account in the electronic payment system 10 according to an embodiment of the present invention. The user may select an account of a financial institution that is convenient for him and set it as a withdrawal account using the user terminals 20a and 20b connected to the electronic payment approval server 200 through the communication network 30. As a more specific example, when a user accesses a web page or the like and inputs information about a withdrawal account, or inputs information about a withdrawal account in an app running on the user terminal, the input information may be connected to the communication network 30. The electronic payment approval server 200 may be transmitted to the electronic payment approval server 200. Accordingly, the electronic payment approval server 200 reflects this, and a user who opens a withdrawal account for the user at a financial institution selected by a user from a plurality of financial institutions. You can change to the account of.

In this case, as the user terminal 200, various types of terminals capable of communicating through various communication terminals such as a personal computer (PC) and a notebook PC together with various portable terminals such as a smartphone, a tablet PC, a PDA, a mobile phone, and the like. The device can be used.

In addition, although FIG. 2 illustrates a configuration in which a user directly transfers information about a withdrawal account to the electronic payment approval server 200 using the user terminals 20a and 20b, the present invention is not necessarily limited thereto. If it is possible to set the withdrawal account by reflecting the information input by the user, it is applicable to the present invention without particular limitation even if it has a different configuration from FIG.

3 is an explanatory diagram for explaining in more detail the operation of the electronic payment system 10 according to an embodiment of the present invention, and Figure 4 is also a flow chart of the electronic payment method according to an embodiment of the present invention It is shown.

Hereinafter, an electronic payment system and method according to an embodiment of the present invention will be described in more detail with reference to FIGS. 3 and 4.

First, in step S10 the electronic payment approval server 200 sets the withdrawal account of the electronic payment card by reflecting the information input by the user of the electronic payment card. More specifically, the user can set the withdrawal account for the electronic payment card he uses using the user terminals 20a, 20b, etc. as an account of bank C (1 in FIG. 3), and furthermore, as an account of bank A. You can also change your withdrawal account to Bank C. Accordingly, the electronic payment approval server 200 maps the identification information of the user's electronic payment card and the set withdrawal account information and stores them in a database (not shown) to manage the electronic payment card in the future. In the process of performing the electronic payment procedure using the withdrawal account set by the user can be performed.

Here, the withdrawal account information may include the account number of the withdrawal account and identification information of a financial institution such as the name or number of the financial institution where the withdrawal account is opened. 5 illustrates a screen for inputting the account number and the financial institution name of the withdrawal account in the user terminals 20a and 20b.

When the user sets the account of the financial institution convenient for him through the above process, the electronic payment is performed using the set withdrawal account in the process of performing the electronic payment using the electronic payment card.

Subsequently, the electronic payment processing server 100 receives an authorization request for payment of the electronic payment card from the affiliated store terminal 500. That is, when a user wants to pay the price using an electronic payment card at a specific merchant (2 in FIG. 3), the terminal 500 of the affiliated store includes the identification information and the payment amount of the electronic payment card. The request message is transmitted to the electronic payment processing server 100 (3 in FIG. 3).

Next, in step S20, the electronic payment approval server 200 receives a request for approval of the electronic payment using the electronic payment card from the merchant terminal from the electronic payment processing server 100.

In a more specific embodiment, the electronic payment processing server 100 transmits information on the electronic payment, such as identification information of the electronic payment card, to the electronic payment approval server 200 to request approval for the electronic payment. (④ of FIG. 3).

Subsequently, in step S30, the electronic payment approval server 200 determines whether to approve the electronic payment. For example, the electronic payment approval server 200 may determine whether to approve the electronic payment by verifying at least one of account information, balance, password, and the like for the electronic payment card.

In addition, the electronic payment approval server 200 calculates the withdrawal account information for the electronic payment card using a database (not shown) stored by mapping the identification information of the electronic payment card and the withdrawal account information thereof. can do.

In operation S40, when the electronic payment approval server 200 approves the electronic payment, the electronic payment processing server 100 transmits an approval message including information about the withdrawal account of the electronic payment card. . Accordingly, the electronic payment processing server 100 requests the withdrawal account management server 300a, 300b, or 300c of the first financial institution that manages the withdrawal account to withdraw the payment according to the payment from the withdrawal account. .

That is, the electronic payment approval server 200 provides a message including information on the withdrawal account of the electronic payment card to the electronic payment processing server 100 (⑤ in FIG. 3). Through this process, the electronic payment processing server 100 substantially authenticates the payment. At this time, the information on the withdrawal account includes the account number of the withdrawal account and the identification information of the financial institution where the withdrawal account is opened. Can be.

Subsequently, the electronic payment processing server 100 transfers the payment according to the user's payment from the withdrawal account to the withdrawal account management server (300c in FIG. 3) corresponding to the identification information of the financial institution where the withdrawal account is opened. You will be asked to withdraw (6 in Figure 3). Accordingly, the withdrawal account management server 300c immediately withdraws the payment from the user's withdrawal account, and the payment is operated by the electronic payment processing server 100 to process the payment process of the electronic payment card. It can be transferred to an account of a financial institution such as a card company. The money transferred to an account of a financial institution such as the card company may be settled between the financial institution such as the card company and the electronic payment service provider at predetermined intervals. When the withdrawal of the payment is completed, the withdrawal account management server 300c transmits a response to whether the withdrawal request is properly performed to the electronic payment processing server 100 (⑦ of FIG. 3).

Finally, the electronic payment processing server 100 transmits a response to the approval request to the affiliated store terminal 500.

Accordingly, after the merchant terminal 500 receives the response to the approval request (8 in FIG. 3), the merchant may process the transaction request of the user as the card payment of the user is completed. do.

6 is an explanatory diagram for explaining the operation of the electronic payment system 10 according to an embodiment of the present invention in the order thereof. In addition, FIG. 7 illustrates a flowchart for describing an operation of the electronic payment system 10 of FIG. 6.

Hereinafter, the electronic payment system and method according to an embodiment of the present invention will be described in more detail with reference to FIGS. 6 and 7.

First, a user makes a payment at an affiliate store using an electronic payment card. Accordingly, the affiliated store terminal 500 collects the identification information and the payment price of the electronic payment card, and then sends an approval request message including the electronic payment processing server through a communication network 30 such as a value-added communication network (VAN) to the electronic payment processing server ( 100) (S110).

In this case, the approval request message may be of the same form and content as the approval request message in the conventional conventional check card. In this case, since the merchant terminal 500 can maintain compatibility without needing to be updated or replaced to support the electronic payment card according to an embodiment of the present invention, the present invention can be more easily implemented.

In this case, the electronic payment processing server 100 may further perform a process of determining whether the electronic payment card is a conventional check card or the like, or whether the electronic payment card can change the withdrawal account according to an embodiment of the present invention. . In a more specific embodiment, the electronic payment processing server 100 may search for withdrawal account information for the electronic payment card from a database (not shown) using identification information of the electronic payment card included in the approval request message. have. In this case, when the electronic payment processing server 100 holds the withdrawal account information for the electronic payment card (for example, a conventional check card, etc.), the payment process for the electronic payment card is used. Although the electronic payment card according to an embodiment of the present invention may proceed, the electronic payment approval server 200 requests the approval of the electronic payment for the electronic payment card, and withdraws the account information for the electronic payment card. The process of receiving a message containing the message is further performed.

In another embodiment, the electronic payment processing server 100 includes a database (not shown) that stores the identification information of the electronic payment card and whether the electronic payment approval request to the electronic payment approval server 200 is required and stored. The electronic payment card may be used to determine whether the electronic payment card is a conventional check card or the like or an electronic payment card capable of changing a withdrawal account according to an embodiment of the present invention.

As another embodiment, the electronic device according to an embodiment of the present invention, in which the electronic payment card is allowed to change a user's withdrawal account, in the approval request message transmitted from the affiliated store terminal 500 to the electronic payment processing server 100. Additional information may be included to identify whether it is a payment card or a conventional check card that is not accepted. In this case, the electronic payment processing server 100 quickly determines whether it is necessary to request the withdrawal account information for the electronic payment card to the electronic payment approval server 200 by using the additional information included in the approval request message. It may also have the advantage of being able to judge.

Subsequently, according to an embodiment of the present invention, the electronic payment processing server 100 requests the electronic payment approval server 200 for approval of the electronic payment using the electronic payment card (S120). The electronic payment approval server 200 transmits a message regarding whether to approve the electronic payment to the electronic payment processing server 100 (S130). In this case, the message may include withdrawal account information including the account number of the withdrawal account and identification information of a financial institution in which the withdrawal account is opened.

Next, the electronic payment processing server 100 requests the withdrawal account management server 300 corresponding to the identification information of the financial institution where the withdrawal account is opened to withdraw the money according to the user's payment from the withdrawal account. (S140). Accordingly, the withdrawal account management server 300c immediately withdraws the payment from the user's withdrawal account, and the payment is operated by the electronic payment processing server 100 to process the payment process of the electronic payment card. It may be transferred to an account of a financial institution such as a card company (S150).

Subsequently, the withdrawal account management server 300 transmits a response to whether the withdrawal is properly performed to the electronic payment processing server 100 (S160). Accordingly, the electronic payment processing server 100 transmits a response message to the card approval request to the affiliated store terminal 500 (S170).

In addition, the money transferred to an account of a financial institution such as the card company may be settled between the financial institution and the electronic payment service provider at predetermined intervals. Accordingly, the electronic payment processing server 100 may transmit the transaction details for the electronic payment card to the electronic payment approval server 200 (S180), and the financial institution and the electronic payment service provider may have a predetermined period of time. It may be determined to perform the settlement procedure of the price (S190). This will be described in more detail with reference to FIG. 8 below.

8 is an explanatory diagram for explaining the operation of the electronic payment system 10 according to another embodiment of the present invention in the order thereof. In addition, FIG. 9 illustrates a flowchart for describing an operation of the electronic payment system 10 of FIG. 8.

Hereinafter, an electronic payment system and method according to another embodiment of the present invention will be described in detail with reference to FIGS. 8 and 9.

First, referring to the electronic payment system 10 of FIG. 8 compared with the case of FIG. 6, it can be seen that the settlement server 400 is further included to configure the electronic payment system 10. Accordingly, the electronic payment processing server 100 transmits the transaction details of the electronic payment card to the electronic payment approval server 200 (S280), and accordingly, the settlement server 400 is the electronic payment approval server. After receiving the transaction details of the electronic payment card from the 200 again (S285), an account of a financial institution such as a card company that operates the electronic payment processing server 100 at predetermined intervals or the electronic payment approval server 200 The payment is transferred to the account of the electronic payment service provider operating the financial institution and the electronic payment service provider to perform the settlement (S290).

When configuring the electronic payment system 10 according to an embodiment of the present invention further comprises a settlement server 400 as described above, the electronic payment service provider to the financial institution, such as a bank that manages its account to By entrusting the settlement, it is possible to more conveniently perform the settlement of the money transferred to the account of the financial institution, such as the card company.

In addition, the electronic payment processing server 100 may further include a step (S295) of transferring the point accumulation details according to the transaction details of the electronic payment card to the electronic payment approval server 200. Accordingly, the user may accumulate additional points according to the use of the electronic payment card, and further, merchants of the electronic payment card such as check cards may use the additional provision of the points as an effective marketing means.

Furthermore, in the electronic payment system and method according to another embodiment of the present invention, a user may perform electronic payment on an online electronic commerce site or the like using the electronic payment card. More specifically, the electronic payment processing server 100 receives a payment approval request for the electronic payment card from a server (not shown) of the electronic commerce site, and sends the electronic payment approval server 200 to the electronic payment. By requesting the approval, the electronic payment approval message including the withdrawal account information for the electronic payment card is received, so that the electronic payment can be performed similarly to the electronic payment process in FIGS. 8 to 9.

Alternatively, the electronic payment approval server 200 may directly receive a payment approval request for the electronic payment card from a server (not shown) of the electronic commerce site to perform electronic payment using the electronic payment card.

In addition, the electronic payment approval server 200 may be further subjected to a step of receiving and verifying a password for the electronic payment card from the user. Here, the password for the electronic payment card may be set by receiving from the user at the time of issuing the electronic payment card.

In addition, the computer program according to another aspect of the present invention is characterized in that the program for executing each step of the salping electronic payment method on a computer. The computer program may be a computer program including not only a computer program including machine code generated by a compiler, but also a high-level language code executable on a computer using an interpreter or the like.

The program may be a program implemented in a high-level language code that can be executed in a computer using an interpreter, as well as a program implemented in a machine language code produced by a compiler.

Also, the readable recording medium may be any computer readable storage medium including a magnetic storage medium (for example, a ROM, a floppy disk, a hard disk, etc.), an optical reading medium (for example, a CD-ROM, a DVD, etc.). Media.

In addition, the computer is not limited to a personal computer (PC) or a notebook computer, but is provided with a central processing unit (CPU) such as a server, a smartphone, a tablet PC, a PDA, a mobile phone, and the like, and any information processing capable of executing a computer program. Device.

10 illustrates a configuration diagram of the electronic payment server 200 according to another embodiment of the present invention. More specifically, FIG. 15 illustrates a specific embodiment of the electronic payment approval server 200 in FIG. 3 described above. Since the electronic payment approval server 200 has been described in detail with reference to FIG. 3, the electronic payment approval server 200 will be described in detail with reference to the components.

As can be seen in FIG. 10, the electronic payment server 200 according to another embodiment of the present invention includes a withdrawal account setting unit 210, an electronic payment approval request receiving unit 220, an approval determining unit 230, and It may be configured to include a withdrawal request unit 240.

First, the withdrawal account setting unit 210 sets the withdrawal account of the electronic payment card by reflecting the information input by the user of the electronic payment card.

In addition, the electronic payment approval request receiving unit 220 receives a request for approval of the electronic payment using the electronic payment card at the merchant terminal from the electronic payment processing server 100.

Subsequently, the approval determining unit 230 determines whether to approve the electronic payment. In this case, the approval determining unit 230 may determine whether to approve the electronic payment by verifying one or more of the payment account, balance or password for the electronic payment card.

Finally, the withdrawal request unit 240, when approving the electronic payment transmits a message including information on the withdrawal account of the electronic payment card to the electronic payment processing server 100, the electronic payment processing server 100 to request the withdrawal account management server 300 of the first financial institution managing the withdrawal account to withdraw the payment according to the payment from the withdrawal account.

In this case, the information about the withdrawal account of the electronic payment card may be calculated using a database in which identification information of the electronic payment card and the withdrawal account thereof are matched and stored.

Accordingly, the user of the electronic payment card can change the withdrawal account to a convenient account among various financial institutions, and accordingly, the user can perform the withdrawal process by reflecting information on the changed withdrawal account, thereby allowing the user to perform the withdrawal process. In paying the bills using the electronic payment service can be provided from the withdrawal account set by the user.

The above description is merely illustrative of the technical idea of the present invention, and those skilled in the art to which the present invention pertains may make various modifications and changes without departing from the essential characteristics of the present invention. Therefore, the embodiments described in the present invention are not intended to limit the technical spirit of the present invention but to describe the present invention, and are not limited to these embodiments. The protection scope of the present invention should be interpreted by the following claims, and all technical ideas within the scope equivalent thereto should be construed as being included in the scope of the present invention.

10: electronic payment system
20, 20a, 20b: user terminal
30: communication network
100: electronic payment processing server
200: electronic payment approval server
210: withdrawal account setting unit
220: withdrawal account information request receiving unit
230: withdrawal account information calculation unit
240: withdrawal request
300, 300a, 300b, 300c: withdrawal account management server
400: Settlement Server
500: merchant terminal

Claims (12)

Setting up a withdrawal account of the electronic payment card by reflecting the information input by the user of the electronic payment card;
An electronic payment approval request step, wherein the electronic payment approval server receives a request for approval of the electronic payment using the electronic payment card from a merchant terminal from the electronic payment processing server;
An approval determination step of determining, by the electronic payment approval server, whether to approve the electronic payment; And
When the electronic payment approval server approves the electronic payment, a message including information on the withdrawal account of the electronic payment card is transmitted to the electronic payment processing server.
A withdrawal request step of causing the electronic payment processing server to request a withdrawal account management server of a first financial institution that manages the withdrawal account to withdraw the payment according to the payment from the withdrawal account;
The electronic payment approval server may change the withdrawal account to an account of a financial institution selected by a user of the electronic payment card from a plurality of financial institutions.
In the electronic payment approval request step,
The electronic payment processing server, after determining whether the electronic payment card is the electronic payment card that holds the withdrawal account information or the electronic payment card that holds the withdrawal account information in the electronic payment approval server,
In the case of the former, it is determined whether the electronic payment is directly approved without requesting the electronic payment approval server for approval of the electronic payment. In the latter case, the electronic payment approval server requests the approval of the electronic payment. Electronic payment method characterized in that. The method of claim 1,
In the approval determination step,
The electronic payment approval server determines whether or not to approve the electronic payment by verifying at least one of a payment account, a balance or a password for the electronic payment card. The method of claim 1,
The electronic payment processing server is a server of a second financial institution associated with the electronic payment card,
And the electronic payment approval server is a server of an electronic payment service provider separate from the first or second financial institution. The method of claim 1,
In the electronic payment approval request step,
The electronic payment approval server,
After the electronic payment processing server determines whether the electronic payment card is a card serviced by the electronic payment service provider, by using the identification information of the electronic payment card,
Electronic payment method characterized in that the request for approval of the electronic payment using the electronic payment card from the electronic payment processing server. The method of claim 1,
In the withdrawal request step,
And the electronic payment approval server calculates information on a withdrawal account of the electronic payment card from a database by using the identification information of the electronic payment card. The method of claim 1,
In the withdrawal request step,
The electronic payment approval server,
The electronic payment processing server to request the withdrawal of the payment according to the payment to the withdrawal account management server of the first financial institution calculated using the information on the withdrawal account of the electronic payment card. Way. The method of claim 1,
The electronic payment approval server,
Receive the transaction history of the electronic payment card from the electronic payment processing server,
Electronic payment method characterized in that the use history of the electronic payment card can be provided to the user terminal. The method of claim 1,
In the withdrawal request step,
And the withdrawal account management server withdraws the payment according to the payment to an account under a second financial institution name associated with the electronic payment card. The method of claim 1,
By using the transaction history of the electronic payment card,
And performing the settlement of the payment between the second financial institution associated with the electronic payment card and the electronic payment service provider at predetermined intervals. The method of claim 9,
In the step of performing the settlement,
The settlement server receives the transaction details of the electronic payment card from the electronic payment approval server,
The payment method for the payment between the second financial institution and the electronic payment service provider. A computer program stored in a readable medium for executing each step according to any one of claims 1 to 10 on a computer. A withdrawal account setting unit for setting a withdrawal account of the electronic payment card by reflecting information input by the user of the electronic payment card;
An electronic payment approval request receiving unit requesting for approval of an electronic payment using the electronic payment card at an affiliated store terminal from an electronic payment processing server;
An approval determining unit determining whether the electronic payment is approved; And
When the electronic payment is approved, a message including information on a withdrawal account of the electronic payment card is transmitted to the electronic payment processing server.
A withdrawal request unit for causing the electronic payment processing server to request a withdrawal account management server of a first financial institution that manages the withdrawal account to withdraw the payment according to the payment from the withdrawal account;
The withdrawal account may be changed to an account of a financial institution selected by a user of the electronic payment card from a plurality of financial institutions,
In the electronic payment approval request receiving unit,
If the electronic payment processing server determines whether the electronic payment card is an electronic payment card that holds the withdrawal account information or the electronic payment card that holds the withdrawal account information in the electronic payment approval server, The electronic payment server, characterized in that the direct payment is not determined by the approval of the electronic payment, the request for approval of the electronic payment is received, the latter request only for approval of the electronic payment.

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