KR20030080407A - Transaction system for prepaid card - Google Patents

Abstract

PURPOSE: A system for settling a prepayment card is provided to process an article price settlement by on/off-line with one card, and to settle a price within an amount of the prepayment card even if one of the settlement prices allotted to the Internet and the off-line is used up. CONSTITUTION: A prepayment card(10) has a PIN(Personal Identification Number), a bar code, and a card number. A PIN settlement system(500) connects to a prepayment credit card settlement system(200) through a communication network. A POS(Point Of Sale System) terminal operating system(600) operates a POS terminal(610) connecting to the PIN settlement system(500) and processing the settlement by using the bar code. The first card information transmitting/receiving part(205) receives the on-line transaction information from the second terminal and the off-line transaction information from the POS terminal operating system(600), and transmits the information including a settlement approval signal. The prepayment credit card settlement system(200) includes the first mapping database(208) and the first TR(TRansaction) database(203) storing the on-line transaction information.

Description

Prepaid Card Payment System {TRANSACTION SYSTEM FOR PREPAID CARD}

The present invention relates to a prepaid card payment system, and more particularly, a credit card number and a prepaid pin number are provided at the front side, and a credit card type prepaid card payment system having a magnetic bar at a back side of a conventional credit card terminal. It is about.

Representative types of prepaid cards currently in circulation include: 1) a pin number card (typically, a prepaid phone card) with a pin number used for small item transactions, mainly in telephone or e-commerce, and 2) credit cards. There are credit card-based prepaid cards (representative examples: Samsung Gift Cards) and 3) prepaid cards (representative examples: modern department store prepaid cards) that can be used both at conventional card merchants.

In the case of a card for a specific purpose such as a Hyundai Department Store prepaid card, the use of the card is gradually decreasing due to the limited use range. A credit card-based prepaid card is used in almost all off-line card merchants that can use a credit card. As this is possible, the demand is exploding, but the inconvenience of using it in electronic commerce is emerging as a problem. If you want to pay by credit card on a normal e-commerce site, you need to enter some of the card number, card expiration date and password. However, in the case of credit card-based prepaid card, it is not possible to register a separate password (this is because of the security of the existing card, the registration of the password is limited to the card registration, and once entered, it is impossible to correct the card. (Due to the liquidity limitation of the system). In the case of a pin number card with a pin number, it is already registered as one of the payment methods by entering into prior agreements with many existing e-commerce sites, and thus there are various advantages in processing payment through the e-commerce site. As there are few affiliates in the based commerce, there is a weak point in expanding marketing.

Therefore, the present invention was created to solve the problems of the prior art,

In order to achieve the object of the present invention, the prepaid card payment system according to the present invention allows a purchaser to make an online goods transaction from a second terminal used by a seller using a first terminal on the Internet, and to perform an online merchant transaction with a merchant terminal on an offline network. A prepaid card system having a prepaid credit settlement system for making goods transactions offline through a terminal,

One prepaid card having a pin number, a barcode and a card number; A pin number payment system connected to the prepaid credit payment system through a communication network; And a POS terminal operating system connected to a pin number payment system and a communication network and operating a POS terminal for payment processing using a barcode.

The pin number payment system receives the information on the details of the goods transaction on-line, the information on the prepaid card and the information on the goods on the off-line goods transaction and the barcode from the POS terminal operating system from the second terminal. Uses the information on the first card information transmitting and receiving unit and the prepaid card received by the first card information transmitting and receiving unit to transmit the information including the payment processing signal in the; A first mapping database for identifying information on a prepaid credit settlement system that is responsible for payment of prepaid credit cards, and a first TR database for storing information on a purchase history online when a payment processing signal is received from a prepaid credit settlement system; Characterized in having a.

In addition, in order to achieve the object of the present invention, the prepaid card payment system according to the present invention allows the buyer to make a goods transaction from the second terminal used by the seller using the first terminal on the Internet, and establishes a telephone network from the first telephone. A prepaid card system having a prepaid credit settlement system to enable a call with a second telephone and to allow a product transaction to be made through an affiliated terminal on offline.

One prepaid card having a pin number and a card number; And a pin number payment system connected through a prepaid credit payment system and a communication network.

Pin number payment system,

Pin number using the first card information transmitting and receiving unit and the pin number for transmitting and receiving information including the goods transaction details, the information about the prepaid card and the payment processing signal in the prepaid credit card payment system from a second terminal The first mapping database for identifying information about the prepaid credit card payment system that is responsible for the payment of the prepaid card associated with the service, and when the payment processing signal is sent from the prepaid credit card payment system, the information on the online purchase history is stored. A web payment system having a first TR database; And a second card information transmission / reception unit and a first TR database, which are connected to a web payment system and a communication network, are connected to the telephone network, communicate with an external device, and transmit and receive information on a card's pin number and transaction history and payment results. 2nd TR database for receiving and storing the contents received from the web payment system, 3rd TR database for receiving and storing payment details input through the telephone network and billing data for receiving and storing a predetermined amount from the prepaid credit card payment system. A prepaid card system, comprising: a telephone payment system having billing means for real-time depreciation of a predetermined amount recorded in a base and a billing database.

The present invention will be understood from the following description, in comparison with the prior art, with reference to the accompanying drawings.

1 illustrates the form of a pin / credit prepaid card.

2 is a diagram illustrating an embodiment of a prepaid card payment system.

3 is a diagram illustrating an embodiment of a pin number prepaid card payment system according to the present invention.

4 is a flowchart illustrating a prepaid payment method for prepaid payment of an e-commerce payment on the Internet using a pin / credit prepaid card.

5 is a flowchart illustrating a prepaid payment method for prepaid payment of goods purchases using a pin / credit prepaid card through a POS terminal.

6 is a flowchart illustrating a case where a user makes a phone call using the prepaid card payment system according to the present invention.

As described above, in order to complement the advantages and disadvantages of a pin number card and a credit card-based prepaid card, it is necessary to use a pin / credit prepaid card with a pin number and a credit card number.

The pin / credit prepaid card 10 is provided with a credit card number 11 in the form of embossing on the front side and a pin number 12 on the back side as shown in FIG. The back of the pin / credit prepaid card 10 is provided with a magnetic bar 13 for use in a terminal provided in a conventional credit card merchant. The magnetic bar 13 stores the credit card number of the card 10 and, if necessary, other other information may be stored together. In addition, the bar code 14 is recorded on the back of the pin / credit prepaid card 10 so that the information (pin number, etc.) of the pin / credit prepaid card 10 with a barcode reader.

The bar code 14 generally does not expose the bar code 14 to the outside through stamping or the like before the purchase of the card, and allows the purchaser to use it after visually checking the bar code through scratching or the like after purchase.

The pin / credit prepaid card 10 is preferably operated by making a prepaid card of various predetermined amounts such as \ 10,000, \ 100,000, \ 200,000, and \ 500,000 and selling the same. However, since the operation of the prepaid card assigned the pin number and the operation of the prepaid card based on the credit card are different, there are many limitations in the payment processing. To illustrate this limitation, if the cardholder purchased \ 100,000 prepaid cards, \ 90,000 of the total amount of \ 100,000 would be allocated to a credit card-based prepaid card, and the remaining amount of \ 10,000 would be assigned to the pin. It will be processed to the payment limit assigned to the number prepaid card. Therefore, even if a new card user who purchases \ 100,000 books requests a payment of \ 99,000 from a credit card merchant, a problem arises. The opposite case may also occur.

To describe this problem in more detail, the system configuration of FIG. 2 will be described. The prepaid credit card payment system 200 also includes a self-authentication DB 301 and a billing DB 302 for processing payment, respectively, in the case of the pin number prepaid card payment system 300, and the pin number prepaid card payment system ( 300 also shows that the self-authentication DB 301 and the charging DB 302 are provided. In the case of purchasing \ 100,000 books, \ 90,000 is assigned to the credit card-based prepaid credit card payment system 200, and \ 10,000 is assigned to the pin number prepaid card payment system 300. When the card user requests payment through the merchant terminal 220 off-line, the card number and payment amount are transmitted to the prepaid credit card payment system 200 through the VAN network 230. The prepaid credit card payment system 200 authenticates the validity of the card through the authentication DB 201 and, if authentication is made, pays the corresponding amount through the billing DB 202, and completes the payment and balance information after the merchant terminal. To 220. On the other hand, when the card user accesses the Internet shopping mall 320 through the Internet communication network 330 using the user computer 310 to purchase goods and request payment using a pin number, the pin number received from the user, The password and payment amount are transmitted to the pin number prepaid card payment system 300. The pin number prepaid card payment system 300 authenticates the validity of the pin number through the authentication DB 301 and, if authentication, pays the corresponding amount through the billing DB 302, completes the payment and balance information after the transaction. The data is transmitted to the internet shopping mall 320. The internet shopping mall 320 displays a transaction history on the user system 310 to complete a transaction.

As shown in FIG. 2, when the prepaid credit card payment system 200 and the pin number prepaid card payment system 300 each have a billing DB due to the difference in the business entity, the amount allocated to the credit card as described above and There is a problem in that the amount allocated to the pin number is not compatible and can be used flexibly, which may cause inconvenience to the user and cause problems in expanding the use of the pin / prepaid credit card.

Figure 3 illustrates an embodiment of a pin number prepaid card payment system according to the present invention. The prepaid card payment system according to the present invention includes a prepaid credit card payment system 200, a pin number prepaid card payment system 300, and a telephone payment system 400 connected to each other by a dedicated line 400. It is composed of In addition, the POS operator system 600 for operating the POS terminal 610 such as a convenience store is connected to recognize the barcode of the pin / credit prepaid card 10 so that the purchase of goods can be prepaid in offline, such as a convenience store.

The prepaid credit card payment system 200 is a system of a card company that issued a prepaid card, and receives card information and a transaction amount transmitted from the merchant terminal 220 or the pin number payment system 500 through the VAN network 230 or Or a first billing DB having information on the first card information transmitting / receiving unit 205 for transmitting the processing result in the opposite direction, the first payment means 207 for subtracting the transaction amount from the remaining amount, and the balance for each card. (202), a first TR (Transaction) DB (203) for storing information on the transaction time and transaction history of the payment processed on-line, Article for storing the information on the transaction time and transaction history of the payment processed on-line 2 TRDB 204 and a first mapping DB 208 that stores the pin number matching the card number. In this case, in the prepaid credit card payment system 200, the first mapping DB 208 is not an essential component, and the first TRDB 203 and the second TRDB 204 may be configured as one database. In addition, the first TRDB 203 and the second TRDB 204 are connected to the first billing DB 202 and the first billing DB 202 is connected to the first TRDB 203 or the first billing means 207 by the first payment means 207. It is updated using the information of the second TRDB 204.

The first mapping DB 208 has a mapping table in which a card number and a pin number matched by a prepaid credit card payment system among the plurality of prepaid credit card payment systems 200 are matched with each other. If there is data about pin number in the data received in the), the card number matching the pin number can be identified.

The pin number payment system 500 is a pin number prepaid card payment system 300 for allowing a card user to prepay a purchase of goods through a communication network and a telephone payment system 400 for making a telephone call payment through a telephone network. It is composed.

The pin number prepaid card payment system 300 may allow payment by processing data transmitted from the POS terminal operating system 600 through the POS terminal 610 and when the card user makes an e-commerce payment through an Internet communication network. do. Pin number prepaid card payment system 300 for the transaction history transmitted from the e-commerce system 320, such as a shopping mall on the Internet that allows the user to purchase the goods using the PC 310, etc. used by the user who purchases the goods. Second card information transmission and reception unit for receiving information, information on the customer and transaction details transmitted from the POS terminal operating system 600 and information transmitted from the prepaid credit card payment system 200 or transmits the processing result. 305, the second authentication means 306 for authenticating the validity of the prepaid card inputted from the second card information transmitting and receiving unit 305, the second payment means 307 for making a payment for a card having only a pin number on the Internet. ), A second authentication DB 301 for storing authentication data regarding the pin number of each card, the card expiration date required for authenticating each card, the password, and the like, and prepaid the pin number. A third TRDDB 303 for storing information on the transaction history of the card input to the card payment system 300 and a second mapping DB 308 having a credit card number matching the pin number are configured.

The second mapping DB 308 stores credit card information regarding credit card numbers, expiration dates, etc., which match each pin number for all issued pin / credit prepaid cards. Therefore, the second card information transmission / reception unit 305 enables the transfer of credit card information identified by the pin number. Accordingly, the pin number prepaid card payment system 300 may request a card payment from a specific prepaid credit card payment system 200 using only the pin number.

The telephone payment system 400 makes a telephone payment when making a telephone payment using the pin / credit prepaid card 10 and charges an e-commerce transaction inputted to the pin number prepaid card payment system 300. As a means, the information on the pin / credit prepaid card 10 is stored in the second billing DB 403 and billed on-line payment using the third payment means 407. And a fourth TRDDB 404 for storing the details of the telephone bill payment processing result and a fifth TRDB 405 for storing information on the transaction history of the electronic commerce made through the pin number prepaid card payment system 300. . And a third authentication DB 401 for storing authentication data relating to the pin number of each card, the card expiration date required for authenticating each card, a password, and the like, and authenticating using the third authentication DB 401. The third authentication means 406 is provided. The data of the third authentication DB 401 is the same as the second authentication DB 301. In addition, the telephone payment system 400 may include a third mapping DB 408 to determine the card number corresponding to the pin number and request a payment from the prepaid credit card payment system 200.

The POS terminal operating system 600 is connected to a POS terminal 610 installed at a convenience store, receives transaction details and information of the POS terminal transmitted from the POS terminal, and is also a pin / credit prepaid card pin number input through a barcode. To recognize the payment is made in the pin number payment system 500. The POS terminal 610 and the POS terminal operating system 600 are connected through a dedicated line, and the POS terminal operating system 600 and the pin number payment system 500 are also connected through a dedicated line so that payment processing is made quickly. In addition, the POS terminal operating system 600 may determine the provision of the goods of the convenience store through the sales status of the goods such as the convenience store.

The barcode is generally composed of 13 digits, and nothing is known by the number of the barcode. When the barcode is identified and sent to the POS terminal operating system 600 through the POS terminal 610, the barcode is generated by the POS terminal operating system 600. This allows you to identify information that matches the number of. The first three digits of the barcode represent the country, the next four digits represent the manufacturer, the next five digits represent the product, and the last one digit contains an error check that indicates the barcode was created correctly.

Therefore, a number for grasping the issuer of the pin / credit prepaid card and the type of the card which is input to the POS terminal 610 is input to 4 digits for the manufacturer, and then the pin / You can enter a number to know the pin number of the credit prepaid card, and depending on the number of cards, the type of issuer, the number of digits to grasp the issuer and type of card arbitrarily, and the number of digits to identify the card's pin number. I can regulate it. The placeholder for the number that identifies the pin number is random numbered when generating the barcode.

There is information regarding the issuer of the pin / credit prepaid card 10 of the barcode and the type of the card, and the issuer of the pin / credit prepaid card 10 is identified by the POS terminal operating system 600 through the POS terminal 610. The pin number prepaid card payment system 300 requires a payment, and the POS terminal operating system 600 requests a payment to the pin number prepaid card payment system 300 to the pin / credit prepaid card 10 in the random number processing part. Information on the pin number of the pin number prepaid card in the second authentication means 306 of the payment system 300 has a table that corresponds to the random number of the barcode and the pin number corresponding to the number of the barcode is input card The second authentication means 306 to be able to authenticate the pin / credit prepaid card 10 by providing a module to determine the pin number of the.

In addition, in the prepaid card system according to the present invention, the pin number prepaid card payment system is provided with only the pin number prepaid card payment system 300 so as not to process telephone payments, and to enable online and offline credit prepaid payment. In order to make payment processing easy and convenient through the POS terminal 610 on offline.

4 is a flowchart illustrating a prepaid payment method for prepaid payment of an e-commerce payment on the Internet using a pin / credit prepaid card.

When a user accesses an e-commerce system providing an internet shopping mall on the Internet, creates an order form provided by the shopping mall, and selects a pin / credit prepaid card according to the present invention as a payment method, the e-commerce system uses a pin number prepaid card payment system. Request payment of goods. The user enters the pin number of the pin / credit prepaid card to request payment. The pin number prepaid card payment system receives the pin number of the pin / credit card and transaction details by using the second card information transmission and reception unit, and authenticates the pin number through the second authentication means. The authenticated pin number is determined by checking the card company and the card number issued through the second mapping DB to determine whether the card is issued by the pin number prepaid card payment system or a card affiliated with the credit card company.

If the card is affiliated with a credit card company, the prepaid credit card payment system transmits a card number, transaction details, and a signal indicating that a payment request is made by the pin number payment system. The prepaid credit card payment system determines whether payment is possible using the first billing DB. If the payment is possible, the first billing DB is updated and the payment result is notified to the pin number payment system, and the pin number payment system stores the transaction result in the third TRDB and sends a signal indicating that the transaction has been completed. . If the prepaid credit card payment system determines that the card for which the payment is requested is not possible to be paid, the prepaid credit card payment system notifies the payment by the pin number payment system.

In addition, if the card issued by the pin number payment system, it is determined whether the payment is possible using the second billing DB, and if the payment is possible, update the second billing DB according to the transaction history and store the transaction in the third TRDB. do. Then, it sends a signal that the deal was closed to the shopping mall. If the transaction has not been made, the payment will be notified.

When the payment method is completed in the payment method, the prepaid credit card payment system notifies the shopping result to the shopping mall and causes the shopping mall to notify the user of the payment result.

5 is a flowchart illustrating a prepaid payment method for prepaid payment of goods purchases using a pin / credit prepaid card through a POS terminal.

When a user presents a pin / credit prepaid card to a POS terminal to purchase an article, the POS terminal calculates the price of the article and recognizes the barcode of the pin / credit prepaid card through a barcode reader. Then, the POS terminal transmits the transaction history, payment details of the pin / credit prepaid card, information on the barcode, and information on the POS terminal to the POS terminal operating system.

The POS terminal operating system can identify the part containing information about the pin number payment system recorded in the general information part of the barcode. The POS terminal operating system transmits information on transaction details and barcode information to the pin number payment system. The pin number payment system uses the barcode received from the POS terminal operating system and information on the transaction history to identify the random number processed barcode to identify the pin number matched with the barcode to authenticate and process the transaction. do. Payment processing is the same as the description of FIG. 4.

6 is a flowchart illustrating a case where a user makes a phone call using the prepaid card payment system according to the present invention. Referring to Figure 6,

First, the user connects to the telephone payment system and enters the pin number of his / her prepaid credit / credit card using the telephone. The telephone payment system uses the input pin number to authenticate the pin number in the third authentication means to determine whether the user can make a telephone call. In addition, the prepaid credit settlement system is identified by the card number matched with the pin number to inform the prepaid credit settlement system that the telephone payment is requested. The telephone payment system transmits information about the card number matching the pin number, the pin number payment system including the telephone payment system, which card user requests the telephone payment, and the payment processing in the pin number payment system. Make sure you know that you are asking. The prepaid credit settlement system determines whether the telephone payment processing is possible by determining the available amount of the pin / credit prepaid card using the first billing DB when a telephone payment is requested.

If the telephone settlement process is possible, the prepaid credit settlement system transfers a certain amount to the telephone settlement system of the pin number payment system. The telephone settlement system allows the user to make a telephone call when a certain amount of money is received from the prepaid credit settlement system. During the user's telephone call, the telephone payment system determines whether or not a telephone termination signal is input.

When the telephone termination signal is input, the third billing DB is updated after calculating the talk time and determining the charge according to the talk time. After updating the third billing DB, record the call history in the fourth TR DB. In the call log, information on the telephone usage such as telephone usage time is recorded. If there is any remaining money from the contents recorded in the fourth TRDB and the amount of payment processing received from the prepaid credit settlement system, the remaining money is transferred to the prepaid credit settlement system to update the first billing DB and to use the telephone for the second TRDB. To build information.

If the telephone termination signal is not input and the user continues to make a call, the telephone payment system transmits a telephone call payment processing request signal back to the prepaid credit settlement system, and the prepaid credit settlement system uses the information in the first billing DB again to make a telephone payment. If it is possible to make a telephone call, a certain amount of money is sent to the telephone payment system so that the telephone call is continuously made and repeated until a call termination signal is input.

If the prepaid credit card payment system determines that the payment of the call charge is insufficient in the pin / credit prepaid card, the payment is notified to the telephone payment system.

When the telephone payment system receives the notification of non-payment, it calculates the call time and reduces the call charge using the third billing means. Then, after recording the call history in the fourth TRDB, the user is notified of the unavailable signal.

In addition, the telephone settlement system may send the contents recorded in the fourth TR DB to the prepaid credit settlement system, update the first billing DB in the prepaid credit card settlement system, and establish information on the use of the telephone in the second TRDB. Make sure

In addition, when a prepaid payment is made through an offline merchant terminal that is generally settled using a credit card, the payment process is performed in the same way as a general credit settlement process. To be used.

According to the prepaid card payment system and method according to the present invention, it is possible to process the payment for goods on-line and on-line using a single card, and the allocation of payment amount made on the internet and offline by using a prepaid card If the allotted amount of payment for the purchase of goods on the Internet or offline is consumed, the amount of payment made on the Internet and offline is solved by solving the problem that the consumed side cannot be used even if the amount of the unused side remains. The payment can be made within the amount of the prepaid card.

In addition, the seller who sells the goods by using the amount of the card purchased by the prepaid payment can be solved the problem that the payment of the goods is not paid by the prepaid payment, the user can use one card You can make a prepaid payment on-line and off-line to solve the problem of your own information counting.

In addition, the card number and the pin number of the postpaid card issued by the operator and the membership card issued by the card company must be matched, and the number of digits of the card number may be different for each card company, and also issued by another card company. There may be a number that matches the number of, the operator operating the electronic payment system using a multi-function card to set the pin number to give a separate pin number for each card company, if the pin number is entered to determine the pin number is appropriate The card company can be notified of the payment, eliminating the effort of mapping a separate card number.

In addition, in the case of using a credit card in general, merchant terminals are connected through a VAN network and a telephone network, so payment processing is not made quickly, but it is inconvenient to use, but since it can be used using a barcode, a POS terminal and a POS terminal The operating system is connected by a dedicated line, and the POS terminal operating system and the pin number payment system are also connected by a dedicated line, so that payment processing can be performed quickly, making transactions easy and convenient.

While the preferred embodiments of the present invention have been described using specific terms, such descriptions are for illustrative purposes only, and it is understood that various changes and modifications may be made without departing from the spirit and scope of the following claims. Should be done.

Claims (8)

Prepaid with a prepaid credit settlement system that allows a buyer to make an online goods transaction from a second terminal used by a seller using the first terminal on the Internet and to perform an online goods transaction through an affiliated store terminal and a POS terminal on an offline line. With card system, One prepaid card having a pin number, a barcode and a card number; A pin number payment system connected to the prepaid credit settlement system through a communication network; And A POS terminal operating system connected to the pin number payment system through a communication network and operating a POS terminal for payment processing using the barcode; The pin number payment system Receive the information on the online goods transaction history, the information on the prepaid card and the information on the offline goods transaction history, the information on the barcode from the POS terminal operating system from the second terminal and the prepaid credit payment The pin number is determined by using the information on the first card information transmitter and receiver for transmitting information including a payment processing signal in the system and the prepaid card received by the first card information transmitter and receiver, and the pin number is determined. A first mapping database for identifying information about a prepaid credit settlement system that is responsible for payment of a prepaid card associated with the pin number, and receiving a payment processing signal from the prepaid credit settlement system. And a first TR database for storing information. Prepaid card system. Allows the buyer to trade goods from the second terminal used by the seller on the Internet from the second terminal used by the seller, to make a call with the second telephone from the first telephone through the telephone network, and to trade the goods through the merchant terminal on the offline. A prepaid card system having a prepaid credit settlement system to be made, One prepaid card having a pin number and a card number; And And a pin number payment system connected to the prepaid credit settlement system through a communication network. The pin number payment system By using the first card information transmitting and receiving unit and the pin number for transmitting and receiving information including the goods transaction details, the information on the prepaid card and the payment processing signal in the prepaid credit settlement system from the second terminal The first mapping database for identifying information about the prepaid credit settlement system that is responsible for the payment of the prepaid card associated with the pin number, and when the payment processing signal is received from the prepaid credit settlement system, information about the details of the purchase of goods online is provided. A web payment system having a first TR database for storing; And A second card information transmitting and receiving unit and the first TR database connected to the web payment system through a communication network, connected to the telephone network, and communicating with an external device to transmit and receive information on the card's pin number, transaction history, etc. and payment results. A second TR database for receiving and storing contents recorded in the web payment system, a third TR database for receiving and storing payment details input through the telephone network, and receiving a predetermined amount from the prepaid credit settlement system. And a billing system having a billing database for storing and billing means for real-time amortization of the predetermined amount of money recorded in the billing database. The method of claim 1, And the web payment system further comprises a first authentication database for authenticating the validity of the prepaid card and first authentication means for authenticating the validity of the card input from the second terminal. The method of claim 2, And the telephone payment system further comprises a second authentication database for authenticating the validity of the prepaid card and second authentication means for authenticating the validity of the card input from the first telephone. The method according to claim 1 or 2, The prepaid credit settlement system has a first mapping database for storing the pin number and the card number of the prepaid card issued by the prepaid credit settlement system. The method of claim 2, A barcode is printed on the prepaid card, and the web payment system is connected to a POS terminal operating system that operates a POS terminal for payment processing using the barcode through a communication network. The method according to claim 1 or 6, The barcode is a prepaid card system, characterized in that it comprises a portion that is randomized. The method of claim 7, wherein The prepaid card system, characterized in that the pin number of the prepaid card is recorded in the random number processing portion of the bar code.