KR20000064163A - System and method for paying the price for a retail store - Google Patents

Abstract

PURPOSE: A system and a method for paying the price for a retail store are provided so that a plurality of price payers can pay the proper goods prices to a plurality of price receivers in real time. CONSTITUTION: A system for paying the price for a retail store is comprised of a price payer(100), a price receiver(120) and a financial server(130). The price payer(100) retains a card(102) and a price paying device(104). If the price payer(100) requests the price receiver(120) to deliver specific goods, the price receiver(120) distributes the goods to price payer(100). After confirming the delivered goods, the price payer(100) pays the price for the delivered goods. The price payer(100) reads the card(102), which he retains, through the price paying device(104) and transmits his financial information to the financial server(130).

Description

System and method for paying the price for a retail store}

The present invention relates to a payment system and method for a retail store, and more particularly to a payment system and method for a retail store that allows the payer to easily pay for the goods to a plurality of payees in real time through the same payment system. It is about.

Currently, financial companies, such as banks and credit card companies, use a magnetic stripe card in which magnetic recording media are attached to a plastic card, and a credit card of a bank and a debit card and a credit card of a credit sales company. It provides convenience for users to withdraw cash, purchase credit, etc. even after the banking is completed by paying the user.

Briefly looking at the payment method of goods using a conventional debit card or credit card, first, the payer selects the desired goods from the beneficiary's store, and pays to the card reader installed at the payee's store to pay for the goods. Read the payer's card and enter the price of the item.

The card reader uses the network to provide payment request information including payment recipient information (e.g., merchant number, etc.), payment payer information (read through the payer's card), and payment of goods, which are embedded in the card reader itself. Transmit to a Van (VAN).

VAN receives the payment request information, requests confirmation of the transaction through the financial settlement agent and the bank or card company, receives payment confirmation information through the bank or card company and the financial settlement agent, and sends the information to the card reader. Send a receipt to issue a receipt.

The bank or the card company automatically transfers the goods price from the payer's account to the payee's account by using the payment confirmation information, or pays the goods to the payee, and then pays the goods to the payer on the settlement date. Request a payment.

However, the conventional payment system using a card has a problem that the payer must always request a transaction through a card reader located in the payee shop in order to pay the goods to the payee.

In addition, the payment system using a conventional card has a problem that only the number of card readers increases compared to the efficiency of the payment system because the recipient of the payment must have a card reader.

In addition, there is an inconvenience in that the cash payment is not made immediately when purchasing the goods of the payer with a debit card.

In addition, the conventional payment system, even in the case of a transaction that is continuously performed between the payer and the payee, it is necessary to perform a complex transaction request for each transaction time, there is a problem accompanying the inconvenience of operation of the payer and the payee have.

Accordingly, an object of the present invention is a payment system and method for a retail store that, when the payer has purchased a particular item from the payee, can pay the goods to the payee using a payout device held by the payer To provide.

It is another object of the present invention to provide a payment system and method for a retail store that can independently pay for goods from a plurality of payers to a plurality of payees using a single payout device held by a particular payer. It is.

Another object of the present invention is that when a payer purchases a particular item from the payee, and requests payment using a payout device held by the payer, the price of the goods is transferred from the payer's account to the payee's account in real time. To provide a payment system and method for a retail store to be transferred.

Another object of the present invention is to provide a payment for a retail store that does not require complex manipulation of the payment device for a transaction request when the payer repeatedly purchases a particular item from the payee and pays for the item. It is to provide a payment system and method.

1 is a schematic configuration diagram of a payment system for a retail store according to a preferred embodiment of the present invention.

Figure 2 is a flow chart for transmitting transaction request information using the payment device according to an embodiment of the present invention.

Figure 3 is a flow chart for transmitting transaction request information using the payment device according to another embodiment of the present invention.

Figure 4 is a flow chart for transmitting the transaction request information using the same payment device for a plurality of payers according to another embodiment of the present invention.

5A to 5C are exemplary diagrams of a screen display during transmission of transaction request information according to a preferred embodiment of the present invention.

<Explanation of symbols for the main parts of the drawings>

100: payer

102: card

104: payment device

120: Recipient

130: financial server

In order to achieve the above objects, a method of paying by a payer in exchange for a purchase of goods or provision of services from a payee via a communication network, the method comprising: pre-registering at least one payee information and paying the payer's cash; Receiving card information using a card or credit card, receiving payment recipient selection information from any one or more previously registered payment recipients from the payment payer, and participating merchants of the payment recipient corresponding to the payment recipient selection information. Search for a code number, receive the payment from the payer, and transmit a transaction request including the card information, the merchant code number of the payee, and the payment to a financial server through a communication network; How to pay for goods using a payment device The systems and devices that ball is, can the performance of the goods is provided a method of payment.

In addition, receiving a payment confirmation corresponding to the transaction request from the financial server; The method may further include outputting the received payment confirmation.

In a preferred embodiment, a method in which a payer pays for a purchase of goods or service provision from a payee over a communication network, the method comprising: pre-registering a payer's merchant code number corresponding to the payer Receiving pre-registration of at least one payee information, receiving at least one payee selection information from at least one payee registered in advance from the payer, and a merchant code of the payee corresponding to the payee selection information; Search for a number, receive the payment from the payer, and transmit a transaction request including the payer's merchant code number, the payee's merchant code number, and the payment to a financial server through a communication network; The price of the article using the payment system to assume A payment method is provided, and a system and apparatus are provided for enabling the execution of a method for paying for an item using the payment device.

In another preferred embodiment, a method in which a payer pays for payment of goods or service provision from a payee over a communication network, the method comprising: at least one payee information, at least one corresponding to the payer; Receive bank account information in advance, receive payment recipient selection information from any one or more pre-registered payment recipients from the payment payer, and retrieve the merchant code number corresponding to the payment recipient selection information; And receiving the payment from the payment payer, and transmitting a transaction request including the bank account information, the merchant code number of the payment recipient, and the payment to a financial server through a communication network. A payment method for goods is provided, and A system and apparatus are provided that enable the performance of a method of payment for goods using a payment device.

The method may further include receiving any one bank account selection information among at least one bank account information registered in advance from the payer, and corresponding to the bank account selection information received from the payer. Retrieving the payer financial information; The method may further include transmitting the retrieved financial information to the financial server. The payer financial information may be applied to a merchant code number and a bank account number.

In addition, receiving a payment confirmation details corresponding to the transaction request from the financial server; The method may further include outputting the received payment confirmation.

In another preferred embodiment, a method in which a payer pays for payment of goods or service provision from a payee over a communication network, the method comprising: corresponding to at least one payee information, at least one payer; Pre-register at least one bank account information, receive a payer code for specifying one payer among the at least one payer, and from among at least one payee registered in advance from the payer Receives any one of the payment recipient selection information, retrieves the merchant code number of the payment recipient corresponding to the payment recipient selection information, receives the payment from the payment payer, the payment payer code, the Bank account details, merchant code number of the recipient of the payment There is provided a method for payment of goods using a payment device, characterized by transmitting a transaction request including the price to a financial server, and a system and apparatus for enabling the execution of the goods payment method using the payment device Is provided.

The method may further include receiving any one bank account selection information from at least one bank account information registered in advance from the payer, or the payer corresponding to the bank selection information received from the payer. Retrieving financial information; The method may further include transmitting the retrieved financial information to the financial server, wherein the payer financial information may be applied as a merchant code number or a bank account number.

In addition, receiving a payment confirmation details corresponding to the transaction request from the financial server; The method may further include outputting the received payment confirmation.

In another preferred embodiment, a method of performing a transaction request from a payer over a communication network, the method comprising: requesting a transaction from a payment device (the payer code, the bank account information, the merchant code number of the payee, And at least one of the payer financial information (payer name, merchant code number, bank account number) using the payer code and the bank account selection information. Including)), and retrieves the payment recipient financial information (the payment recipient financial information including at least one of the payment recipient name, merchant code number, bank account number) using the merchant code number, Search for the payable amount limit of the payer using the payer financial information; When the impossible amount limit is greater than or equal to the article price, a method of performing a transaction request is provided, wherein the article price is transferred in real time from the bank account of the payer to the bank account of the payee. A system and apparatus are provided that enable performing the method of performing a request.

The method may further include transmitting to the payment device that the transfer of the price of the article price is completed.

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

1 is a schematic configuration diagram of a payment system for a retail store according to a preferred embodiment of the present invention.

Referring to FIG. 1, a payment system for a retail store may include a payer 100, a payee 120, a financial server 130, and the payer 100 includes a card 102, a payout. Supply device 104 or the like.

A schematic implementation flow of the present invention will be described using the system block diagram shown in FIG.

When the payer 100 requests delivery to the payee 120 for a specific item desired, the payee 120 delivers the requested goods from the payer 100 by courier, transportation, or delivery. To the payer 100 (which may be delivered through a deliveryman).

The payer 100 checks the corresponding goods delivered from the payee 120 and pays for the delivered goods.

First, the payer 100 reads out the card 102 held by the payer 100 to the payout device 104 of the payer 100, thereby providing financial information of the payer 100. (For example, a bank account, credit card number, etc.) is transmitted to the financial server 130.

The financial server 130 represented in the present specification may include a server of a van (VAN), a server of a financial settlement agent, a bank server, a card company server, and the like, and may carry information transmitted from the payment device 104. Although the (VAN) company receives and may be represented as a step of transmitting to the bank or card company through the financial settlement member, will be collectively referred to as a financial server 130 for the convenience of explanation.

In addition, the payer 100 inputs information (for example, a merchant number) of the payee 120 using a keypad of the payout device 104, and pays for the goods. Input and transmit to the financial server 130 through the communication network.

In this case, if the card 102 used by the payer is a debit card or the like linked to a bank account, the server of the bank operates as the financial server 130 of FIG. 1, and if the card 102 is a credit card. In the case of a card, the card company server operates as the financial server 130 of FIG. 1.

Thereafter, the financial server 130 uses the plurality of information transmitted from the payment device 104 to pay the price of the corresponding item using the bank account or the credit purchase limit of the payer 100. Transfer to the bank account of and notify the payment device 104 that the transaction has been completed.

The payment device 104 outputs a receipt indicating the completion of the transaction by using the corresponding notification transmitted from the financial server 130, and the payment payer 100 and the recipient of the payment 120 receive the corresponding transaction through the receipt. You can confirm that it is completed.

As described above, the payment device 104 of the present invention is a device for confirming the completion of a transaction under the guidance of the payer 100, and provides information on the payee 120 that is fixedly dealing with the payer 100. It is possible to purchase a variety of goods provided by the plurality of payees 120 as one device by registering in advance in the payout device 104.

In addition, the payment recipient 120 from the account of the payer 100 using the payer 100 information, the payee 120 information, and the goods price information in the financial server 130 among the briefly described above. Since the method of transferring the price of the goods to the account is already recognized by those skilled in the art, the description of this part will be omitted afterwards, and between the payer 100 and the payee 120 Only a method of requesting the completion of a transaction for a specific item will be described in detail through various embodiments.

2 is a flow chart for transaction request information transmission using the payment apparatus according to an embodiment of the present invention.

Referring to FIG. 2, in step 210, when the payer who has received a specific item from the payee reads out the payer's card (for example, a credit card or a debit card) to the payout device, the payout device may correspond to the payer. The financial information (eg, bank account number, credit card number, etc.) of the payer included in the card is transmitted to the financial server.

In operation 220, the payment apparatus selects a payment receiver code from a plurality of payment recipient codes that are already registered by using the keypad of the payment apparatus, and selects the selected payment recipient information (for example, the payment recipient). Merchant code number, etc.) to the financial server.

Step 220 may further include the step of retrieving the merchant code number corresponding to the corresponding payee using the payee code selected from the payer.

In operation 230, the payment apparatus receives the payment information to be repaid for the corresponding item from the payment payer through the keypad and transmits the input payment information to the financial server.

For example, steps 210 to 230 described above will be described once again.

For example, Hong Gil-dong, which runs the Korean Super, is constantly trading with OB Beer, Lotte Confectionery, and Chilseongsa.

In addition, the payment devices that 'Hong Gil-dong' has in 'Korea Super' include 'OB beer = code number 01', 'Lotte Confectionery = code number 02' and 'chilsungsa = code number 03'. Each code is assigned and registered.

Let's say Hong Gil-dong ordered 10 boxes of 'Shrimp Crackers' from Lotte Confectionery and delivered 10 boxes of 'Shrimp Crackers' from 'Lotte Confectionery' to 'Korean Super' of 'Hong Gil Dong'.

In the case of using the prior art in this case, 'Hong Gil-dong' prepares 300,000 won by cash or check to pay the price if the price of 'Shrimp Cracker' is 300,000 won, and then adds the amount to 'Lotte Confectionery'. It will be offered to the side or traded on credit.

However, in the case of using the payment device of the present invention, first, Hong Gil-dong reads the card of Hong Gil-dong on the payment device and transmits the information of the payer to the payment server.

Then, the code '02' indicating 'Lotte Confectionery' is input by using the keypad of the payment device to transmit the payment recipient information to the financial server. When the corresponding code '02' is inputted and transmitted, the card reader information (for example, affiliated store code number) which the Lotte Confectionery has in the information transmitted from the payment device to the financial server is transmitted to the financial server. Will recognize Hong Gil-dong's payment device as a card reader held by Lotte Confectionery.

And finally, if you enter the price of 300,000 won, the price of 10 boxes of 'Shrimp Cracker' by using the keypad, and send it to the financial server, the transaction between 'Hong Gil-dong' and 'Lotte Confectionery' for the 10 'Shrimp Crackers' is completed.

Of course, in addition to the step shown in Figure 2 receiving the payment confirmation information from the financial server, the step of transferring the goods payment from the payer's account to the payee's account, but will be omitted as described above .

3 is a flow chart for transmitting transaction request information using a payment device according to another embodiment of the present invention.

3 is a flowchart illustrating a case in which a payer inputs a code number of a payer previously stored in a payout device and applies the goods price to the payee's account in real time from a bank account linked to the code number.

Referring to FIG. 3, in step 310, when the payer who has received a particular item from the payee enters the payer's code number using the keypad of the payout device, the payer sends the payer's code number to the financial server. send.

Step 310 may further include retrieving the payer's financial information (eg, bank account number, etc.) corresponding to the code number input from the payer. In addition, when there are a plurality of payer bank accounts, the corresponding code number may be applied in a plurality of quantities.

In step 320 the payment apparatus checks whether the code number of the payer inputted in step 310 is the same as the code number registered in advance, and if it is the same, proceeds to step 340; otherwise, goes to step 330 Proceed to output an error message such as 'code number is not correct' and proceeds to step 310, requesting re-entry of the payer.

In operation 340, the payment apparatus receives a payment receiver code selected from a plurality of payment receiver codes already registered by using the keypad of the payment apparatus.

In step 350, the payment apparatus retrieves the corresponding recipient and the corresponding recipient information (e.g., merchant code number, etc.) using the recipient code selected from the payer in step 340, and retrieves the retrieved recipient information. To the financial server.

In operation 360, the payment apparatus receives payment information to be repaid for the corresponding item from the payment payer through the keypad and transmits the input payment information to the financial server.

Referring to the flowchart illustrated in FIG. 3 again using the example described above, if 'Hong Gil-dong' ordered 10 boxes of 'shrimp' as' Lotte Confectionery ', '10 shrimp boxes' from' Lotte Confectionery ' 'Hong Gil-dong' has been delivered to 'Korea Super', and the payment device of 'Hong Gil-dong' includes 'Bank 123-45-67890 = code number 01305' and 'Kookmin Bank' 014-357-6254-01 = code number 05282. Suppose it is registered in advance.

First, if Hong Gil-dong wants to pay 10 boxes of 'Shrimp Cracker' from 'Bank of Korea' account, he enters '01305' using the keypad, and if he wants to pay from 'Kookmin Bank' account. In this case, enter '05282'.

The subsequent steps are the same as the above-described examples, and thus will be omitted.

Until now, the matters described with reference to FIG. 3 have described only the case in which the payer stores and uses a plurality of bank account information in the payment device, but in some cases, only one bank account information may be used as a default. have.

If the payer defaults to only one bank account, the bank account information can be sent directly to the financial server without the need of the payer.

In this case, the bank account information of the payer may not be transmitted to the financial server, but the merchant code number assigned to the payer of the payer may be directly transmitted to the financial server.

4 is a flowchart for transmitting transaction request information using a plurality of payer using the same payment device according to another embodiment of the present invention.

Referring to FIG. 4, in step 410, the payment apparatus uses a keypad of the payment apparatus from one of the plurality of payment payers who received a specific item from a specific payment receiver, to select a specific payer code number. Receive input.

In step 420, the payment apparatus receives a password designated by the payer who inputs the payer code number through step 410.

In step 430, the payment apparatus checks whether the payer code number and password inputted in steps 410 and 420 are valid, and if the information is valid, transmits the information to the financial server, and then step 430 If not, proceed to step 440, and output an error message such as 'code number is not correct', and proceeds to step 410 to request re-enter of the payer.

In operation 450, the payment apparatus receives a payment receiver code selected from a plurality of payment receiver codes already registered by using the keypad of the payment apparatus.

In step 460, the payment apparatus retrieves the payment recipient information corresponding to the payment recipient (e.g., merchant code number, etc.) using the payment recipient code selected from the payment payer in step 450, and retrieves the searched payment recipient information. To the financial server.

In operation 470, the payment apparatus receives payment information to be repaid for the corresponding item from the payment payer through the keypad and transmits the input payment information to the financial server.

Referring to the flowchart illustrated in FIG. 4 again using the example described above, when the payer using one payment device is 'Hong Gil-dong' of 'Korean Super' and 'Seongchunhyang' of 'Seoul Sanghoe' The payer information (e.g. bank account number, etc.) is registered using a separate code and password, respectively.

If the code number of 'Hong Gil-dong' is 'Bank 123-45-67890 = Code No 01305', 'Kookmin Bank 014-357-6254-01 = Code No 05282', the password is '0303', and 'Sung Chun Hyang' Assume that the code number of 'Joheung Bank 10-545-6755 = Code No. 00213', 'Kookmin Bank 015-638-5001-02 = Code No. 05282', and the password is '6625'.

First, if Hong Gil-dong wants to pay 10 boxes of 'Shrimp Cracker' from the Bank of Korea account, he enters '01305' using the keypad and enters the password '0303'. Even if you use 'SungChunhyang', if you want to pay 10 'shrimp' from 'Kookmin Bank' account, you can enter '05282' and password '6625'.

The subsequent steps are the same as the above-described examples, and thus will be omitted.

5A to 5C are exemplary views of screen display during transaction request information transmission according to a preferred embodiment of the present invention.

5A to 5C schematically illustrate changes in the screen display output to the display unit of the payment apparatus in order for a specific payment payer to pay for a specific item to a specific payment recipient.

The payment apparatus may include a display unit (liquid crystal screen), a keypad, a card input unit, and the like, as shown in FIGS. 5A to 5C.

Referring to FIG. 5A, first, when the payer operates the payment device (eg, power on, etc.), the display unit (ie, the liquid crystal display) of the payment device displays 'enter the card or the payer code'. A guidance message such as this is output.

Using the guide message shown in FIG. 5A, the payer pays for the item using his card, or enters a predetermined code to pay for the item using a bank account associated with the code. can do. The two methods described above have already been described with reference to a flowchart, and thus will be omitted.

The payment apparatus receiving the payment information and the payment information then requests a payment recipient's information by outputting a screen such as 5b.

Referring to FIG. 5B, a plurality of bill recipient code numbers registered in advance are output to a display unit of a bill payment device, and the bill payment device receives any one bill recipient code number through a receiver code number output from the bill payer. .

When the payment information is inputted from the payer, the screen shown in FIG. 5C is displayed on the display unit of the payout device.

Referring to FIG. 5C, a plurality of pieces of information selected by the payer are output with reference to FIGS. 5A and 5B. In other words, in Fig. 5C, the payer selected a bank account transfer (selecting the payer's Korean bank account) using the code through Fig. 5A, and the payee selected Lotte Confectionery of code number 02 through Fig. 5B. In this case, the item price represents a case where 300,000 won is input (not shown) using a keypad.

If each information input by the payer is sequentially transmitted to the financial server, the screen display as shown in FIG. 5C may not be output.

In addition, although not shown, the transaction request is transmitted to the financial server with reference to FIGS. 5A to 5C, and the payment device receives the information indicating that the transaction has been approved (including a real time transfer step) from the financial server, and the received screen. May be output to the display unit of the payment apparatus, and if the payment payer or the recipient of the payment is desired, the corresponding information displayed on the display unit may be output on the payment confirmation sheet (for example, a receipt).

According to another embodiment of the present invention, there is provided a payment system and method for a retail store that can be applied as a real-time payment method of goods payment in electronic commerce over the Internet.

When the payment device of the present invention is combined with a computer (or a mobile communication terminal) combined with a communication network, payment of the corresponding item is possible under the subjective intention of the payer in the same manner as described above using the flowchart.

According to another embodiment of the present invention, there is provided a payment system and method for a retail store that can be used as a portable electronic payment system.

For example, even if the payer does not carry a credit card or debit card, when carrying the payment device of the present invention, the purchaser purchases a certain item during shopping and inputs only the information of the payee through the keypad of the payment device. If so, payment for the item may be made in real time (see flow chart above).

The present invention is not limited to the above embodiments, and many variations are possible by those skilled in the art within the spirit of the present invention.

As described above, in the present invention, when the payer purchases a specific item from the payee, the payout of the goods can be paid to the payee using a payout device held by the payer.

In addition, by using a single payment device held by a specific payer, it is possible to independently pay for goods from a plurality of payers to a plurality of payees.

In addition, when the payer purchases a specific item from the payee, and requests payment using a payout device held by the payer, the price of the goods may be transferred from the payer's account to the payee's account in real time.

In addition, when the payer repeatedly purchases a particular item from the payee and pays for the item, the complicated operation of the payout device is not required for the transaction request.

Claims (18)

1. A method in which a payer pays over a telecommunication network in return for purchasing goods or providing services from a payee, Pre-registering at least one payee information; Receiving card information by using the payer's cash or credit card; Receiving one of the payment recipient selection information from at least one payment recipient registered in advance from the payment payer; Retrieving the merchant code number of the payment recipient corresponding to the payment recipient selection information; Receiving the payment from the payment payer; Transmitting a transaction request including the card information, the merchant code number of the payee, and the payment to a financial server through a communication network; Article price payment method using a payment device comprising a. The method of claim 1, Receiving a payment confirmation corresponding to the transaction request from the financial server; Outputting the received payment confirmation Item payment method using the payment device further comprises a. 1. A method in which a payer pays over a telecommunication network in return for purchasing goods or providing services from a payee, Pre-registering a merchant code number of a payer corresponding to the payer; Pre-registering at least one payee information; Receiving one of the payment recipient selection information from at least one payment recipient registered in advance from the payment payer; Retrieving the merchant code number of the payment recipient corresponding to the payment recipient selection information; Receiving the payment from the payment payer; Transmitting a transaction request including a payment merchant's merchant code number, the payment recipient's merchant code number, and the payment to a financial server through a communication network; Article price payment method using a payment device comprising a. 1. A method in which a payer pays over a telecommunication network in return for purchasing goods or providing services from a payee, Pre-registering at least one payee information and at least one bank account information corresponding to the payer; Receiving one of the payment recipient selection information from at least one payment recipient registered in advance from the payment payer; Retrieving the merchant code number of the payment recipient corresponding to the payment recipient selection information; Receiving the payment from the payment payer; Transmitting a transaction request including the bank account information, the merchant code number of the payee, and the payment to a financial server through a communication network; Article price payment method using a payment device comprising a. The method of claim 4, wherein Receiving any one bank account selection information from at least one bank account information registered in advance from the payer; Item payment method using the payment device further comprises a. The method of claim 5, Retrieving the payer financial information corresponding to the bank account selection information received from the payer; Transmitting the retrieved financial information to the financial server. Include more, The payer financial information is at least one of merchant code number, bank account number An item payment method using a payment device, characterized in that. The method of claim 4, wherein Receiving payment confirmation details corresponding to the transaction request from the financial server; Outputting the received payment confirmation; Item payment method using the payment device further comprises a. 1. A method in which a payer pays over a telecommunication network in return for purchasing goods or providing services from a payee, Pre-registering at least one payee information, at least one bank account information corresponding to the at least one payer; Receiving a payer code for specifying any payer among the at least one payer; Receiving one of the payment recipient selection information from at least one payment recipient registered in advance from the payment payer; Retrieving the merchant code number of the payment recipient corresponding to the payment recipient selection information; Receiving the payment from the payment payer; Transmitting a transaction request including a payment payer code, the bank account information, the merchant code number of the payment recipient, and the payment to a financial server through a communication network; Article price payment method using a payment device comprising a. The method of claim 8, Receiving any one bank account selection information from at least one bank account information registered in advance from the payer; Item payment method using the payment device further comprises a. The method of claim 9, Retrieving the payer financial information corresponding to the bank selection information received from the payer; Transmitting the retrieved financial information to the financial server. Include more, The payer financial information includes at least one of a merchant code number and a bank account number. An item payment method using a payment device, characterized in that. The method of claim 8, Receiving payment confirmation details corresponding to the transaction request from the financial server; Outputting the received payment confirmation; Item payment method using the payment device further comprises a. In a method for performing a transaction request from a payer via a communication network, Receiving a transaction request from a payment device, wherein the transaction request includes at least one of the payer code, the bank account information, the merchant code number of the payee, and the payment; Searching for the payer financial information using the payer code and the bank account selection information, wherein the payer financial information includes at least one of a payer name, a merchant code number, and a bank account number; Includes; Retrieving a payee financial information using the merchant code number, wherein the payee financial information includes at least one of a payee name, a merchant code number, and a bank account number; Retrieving the payable amount limit of the payer using the payer financial information; If the payable amount limit is greater than or equal to the price of the item, transferring the price of the item in real time from the payer's bank account to the payee's bank account; Method of performing a transaction request comprising a. The method of claim 12, Transmitting to the payment device that the transfer of the price of the item has been completed; Method of performing a transaction request, characterized in that it further comprises. A system in which a payer pays over a telecommunication network in return for purchasing goods or providing services from a payee, A storage unit which stores at least one bill recipient information; A card input unit for inputting card information including at least one of cash card information and credit card information; An input unit for inputting one of the payment recipient selection information from at least one registered payment recipient in advance and inputting the payment; A retrieving unit for retrieving the merchant code number of the recipient of the payment corresponding to the payment recipient selection information; A transmission unit for transmitting a transaction request including the card information, the merchant code number of the payment recipient, and the payment through a communication network to a financial server Payment device comprising a. The method of claim 12, A receiver for receiving a payment confirmation corresponding to the transaction request from the financial server; Output unit for outputting the received payment confirmation The payment device, characterized in that it further comprises. A system in which a payer pays over a telecommunication network in return for purchasing goods or providing services from a payee, A storage unit storing at least one payee information and at least one bank account information corresponding to the at least one payer; An input unit for inputting a code for specifying a payer, bank account selection information, payee selection information, and a price of the article; A retrieving unit for retrieving the merchant code number of the recipient of the payment corresponding to the payment recipient selection information; A transmission unit for transmitting a transaction request including a payment payer, the bank selection information, a merchant code number of the payment recipient, and the payment to a financial server through a communication network; Payment device comprising a. A memory in which a program is stored; A processor coupled to the memory to execute the program Including but not limited to: The processor by the program, Receiving a transaction request from a payment device; Retrieving the payer financial information using the payer code and the bank account selection information; Retrieving payment recipient financial information using the merchant code number; Retrieving the payable amount limit of the payer using the payer financial information; If the payable amount limit is greater than or equal to the price of the item, transferring the price of the item in real time from the payer's bank account to the payee's bank account; Transaction request performing apparatus, characterized in that for performing. The method of claim 17, Transmitting to the payment device that the transfer of the article price is completed Transaction request performing apparatus, characterized in that for further performing.