KR20050030786A - Real time payment method using virtual account - Google Patents

Abstract

A method for offering a real-time settlement service to prevent duplicated withdrawal of a member shop using a virtual account are provided to smoothen cash-flow of the member shop by paying price in the real-time if a card company approves a settlement approval request. Settlement approval request information for a purchase price is transmitted to a card company server through a VAN(Value Added Network) company(S402). The card company server transmits settlement approval information after processing card settlement availability(S403). The VAN server stores the settlement approval information in a database, and transmits it to a member shop terminal and a service server(S404). The service server transmits loan request information to a financial institution server(S405). The financial institution server transmits transaction inquiry request information to the VAN server(S406). The VAN server returns confirmation information by inquiring transaction particulars from the database(S407). The financial institution server transfers the loan to the account of the service provider and informs the service provider of deposit information(S410).

Description

Real time payment method using virtual account

The present invention relates to a method of providing a real-time payment service using a virtual account, and more particularly, in the case of approval from a card company for a request for approval of payment of a card use, a loan is provided from a bank by a service provider on behalf of a credit card merchant. Real-time payment for the merchant is made, and the service provider relates to a real-time payment service providing method for repaying the payment settlement payment received from the card company from the card company to the merchant's virtual account for the loan received by the merchant.

Cards used as a conventional payment means include bank cards used in financial institutions such as BC cards, VISA cards, Kookmin cards, LG cards, Samsung cards, and department stores cards used in department stores. As of the end of December 1999, the number of card issuance in Korea is about 39 million cards, the number of card merchants is about 1.2 million, and the number is increasing with the government's card recommendation policy.

Conventional card payment is made through the following path.

When the card user who wishes to pay for the goods or services by the card presents the card, the affiliated card merchant sends the payment approval request to the card company through the merchant terminal, and the card company approves the payment at the normal date after processing the inquiry to the user and the merchant. .

Upon approval of the payment, the merchant supplies the goods or services to the consumer, issues a sales slip accordingly, and requests the card company to pay the bill according to the sales slip, and the card company based on the payment approval and the credit status of the merchant. Pay the sales price according to the sales slip to the merchant.

The card company that paid the merchant to pay the bill is billed to the user.

Therefore, in the conventional process, the merchant makes an immediate payment according to the processing such as requesting payment for the sales slip and paying the payment slip to the card company for several days after providing the goods or services to the user. Due to the lack of support, the cash flow in the merchants is delayed.

The present invention was created in order to solve the above problems, and when there is an approval for a request for approval of payment from a card company, real-time using a virtual account that allows the merchant to make a payment in real time by making payments smoothly. The purpose is to provide a payment service.

The present invention provides a system for providing a card payment service for the purchase price between the card company and registered merchants registered with the card company to achieve the above object,

An affiliated store terminal installed in the registered affiliated store and requesting payment approval;

An affiliated store management module for managing information of the registered affiliated store, a user management module for granting payment approval for the payment approval request, a sales settlement management module for depositing and processing a payment amount corresponding to the purchase price to a virtual account of the affiliated store, and A card company server comprising a first connection module,

Bansa server including a transaction history database for storing the transaction history according to the payment approval,

Service provider server consisting of a customer management module for managing the merchant receiving the card payment service in real time, a loan request for real-time payment service, credit collection module for processing the loan settlement and repayment request, and a second access module, And

Merchant store account management module for managing a virtual account of the merchant and the merchant account receiving the payment of sales payments, and the repayment according to the loan and repayment request according to the loan request A financial institution server comprising a service provider management module and a third access module for determining and processing financial services related thereto.

Real-time payment system using a virtual account, characterized in that consisting of.

The affiliated store management module may further include an affiliated store database that stores information of the affiliated store.

The sales settlement management module may further include a payment approval database for storing transaction details information according to the payment approval.

In addition, the present invention is a method for providing a card payment service for the purchase price between the card company and registered merchants registered with the card company,

(a) the payment approval request information for the purchase price is transmitted from the affiliated terminal of the registered affiliated store to the card company server through the bansa, and the user management module of the card company server generates the payment approval information after processing the card payment possibility; Transmitting to the bansa server,

(b) the bansa server receiving the payment approval information stores the transaction history regarding the payment approval information in the transaction history database included in the bansa server and transmits the payment approval information to the affiliated store terminal and the service provider server. step,

(c) the customer management module of the service provider that has received the payment approval information generates customer information for determining whether the affiliate requesting the payment approval is a real-time payment service subscription merchant, and according to the payment approval information. A credit management module of the service provider server generating loan fund request information and transmitting it to the financial institution server;

(d) When the service provider management module of the financial institution server that receives the loan fund request information generates and transmits the approval transaction history inquiry request information requesting confirmation of the normal transaction, the bansa server transmits the transaction history. After querying whether there is a transaction history in the database, the transaction history confirmation information is generated and transmitted to the financial institution server, and the service provider management module of the financial institution server approves the loan according to the transaction history confirmation information and the customer information. Judging whether or not the loan is possible, depositing the loan funds to the mother account of the service provider, generating loan fund deposit information, and transmitting the loan funds to the service provider server;

(e) The credit management module of the service provider server receiving the loan fund deposit information generates loan data according to the loan fund deposit information, and withdraws the loan funds deposited to the mother account and deposits them in the unique account of the merchant. When the loan withdrawal request information is generated and transmitted to the financial institution server, the service provider management module of the financial institution server deposits the loan to the unique account and generates loan payment completion information and transmits it to the service provider server,

(f) When the sales settlement management module of the card company server processes the settlement amount for the affiliated store, deposits the settlement settlement amount into the virtual account of the affiliated store, generates virtual account deposit information, and transmits it to the financial institution server. A step of depositing, by the affiliated account management module of the financial institution server, the revenue settlement price into the mother account of the service provider, generating the payment settlement information, and transmitting it to the service provider server; and

(g) the credit management module of the service provider server receiving the payment settlement payment information, generates a loan payment repayment request information requesting repayment of the loan after processing the collection and loan settlement related to the payment settlement; When transmitting to the financial institution server, the service provider management module of the financial institution server, the virtual account characterized in that it comprises the step of judging whether or not to repay the loan, and generates the repayment result information to transmit to the service provider server Real-time payment service providing method using.

In addition, the present invention in the card payment service providing system for the purchase price,

Service provider server consisting of a customer management module for managing the merchant receiving the card payment service in real time, a credit management module for processing loan request, collection, loan settlement and repayment request for real-time payment service, and

Merchant store account management module that manages the virtual account of the merchant to receive the payment account payments from the merchant and the unique account of the merchant to receive the loan payment according to the real-time payment service, repayment according to the loan and repayment request according to the loan request A financial institution server composed of a service provider management module that determines whether or not to process financial services.

Real-time payment system using a virtual account, characterized in that consisting of.

The customer management module may further include a subscription merchant database registered and subscribed to the service provider server to receive the real-time payment service.

The financial service is characterized in that it further comprises a deposit, withdrawal service between accounts.

In addition, the present invention in the card payment service providing method for the purchase price,

A service provider server that provides real-time payment service to merchants by loan and repayment based on payment approval information from a card company,

(a) generating customer information for determining whether the customer management module of the service provider is a merchant capable of real-time payment, and the loan management module generates loan fund request information for real-time payment according to the payment approval information; Sending to an institution's server,

(b) the service provider management module of the financial institution receiving the loan fund request information determines whether the loan is possible by referring to the actual transaction history and customer information according to the loan fund request information, and accordingly the loan fund is the mother account of the service provider; When the loan fund deposit information is generated and the loan fund deposit information is generated, the credit management module of the service provider server receiving the loan fund deposit information withdraws the loan funds deposited in the mother account and deposits the loan withdrawal request information for depositing the unique account of the affiliated store. Generating and transmitting to the financial institution server;

(c) When the sales settlement amount, which is settled from the card company, is transferred to the virtual account of the affiliated store and then transferred to the mother account, the credit management module of the service provider server collects the sales settlement amount and processes the loan settlement and then the loan. Generating a loan repayment request information for requesting repayment to the financial institution server, and

(d) The service provider management module of the financial institution provides a real-time payment service providing method using a virtual account, comprising determining and processing whether or not to be repaid according to the loan repayment request information.

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

1 is a system configuration diagram of a real-time payment service according to the present invention.

The real-time payment service system includes a merchant terminal 11, a bansa server 12, a card company server 13, a service provider server 14, and a financial institution server 15 that provide a real-time payment service. do.

The merchant terminal 11 recognizes the card presented by the buyer when a purchaser who purchases one or more of goods and services at the merchant recognizes the card presented by the buyer and sends the payment approval request information to the van server (VAN) server 12. And outputs the slip according to the payment approval information received from the card company by the payment approval request, thereby completing the purchase of the buyer.

The bansa server 12 transmits the card payment approval request information transmitted from the affiliated store terminal 11 to the card company server 13 using a network network, and the payment approval information regarding the card use approval transmitted from the card company. To transmit to the merchant terminal 11 and the service provider server (14). In addition, the bansa server 12 constitutes a transaction history database 12a about the payment approval information transmitted from the card company, and transaction history confirmation information which is a search result for a request for inquiry of approval transaction history of the financial institution, which will be described later. To the financial institution server 15.

The card company server 13 includes an affiliated store management module 13a including a database of affiliated shops subscribed to the card company, a user management module 13b including a database of card users, a sales settlement management module 13c, and the bansa server. And a first connection module 13d connected to the financial institution server 15.

The affiliated store management module 13a performs management functions for new subscriptions, releases, affiliated store information, and affiliate store information of card affiliates. In addition, the affiliated store management module 13a configures an affiliated store database of affiliated stores subscribed as members of the service provider in order to receive real-time payment services.

The user management module 13b performs processing and inquiry functions such as new subscription, cancellation of subscription, subscriber information, bad credit, limit, etc. of the card user, and generates payment approval information according to the received payment approval request information. .

The sales settlement management module 13c calculates sales approved by payment at the affiliated store, deposits the sales settlement amount corresponding to the settlement payment amount into the virtual account of the affiliated store to be described later, and generates virtual account deposit information. do. The sales settlement management module includes a payment approval database of transactions that are settled and approved at the merchant.

The first access module 13d receives the payment approval request information transmitted from the affiliated store terminal 11 from the bansa server 12 and receives the payment approval information generated by the user management module 13b from the bansa server 12. To be sent). The virtual account deposit information is also transmitted to the financial institution server 15.

The service provider server 14 includes a customer management module 14a for managing affiliated shops affiliated with a service provider to receive real-time payment services, a credit management module 14b for processing loans, repayments, collections, settlements, and bansa servers ( 12) and a second connection module (14c) for connecting the financial institution server (15).

The customer management module 14a manages new subscriptions, releases and subscriptions of affiliated store owner information and affiliated merchant information to receive services in connection with real-time payment services, and configures a subscription store database to provide services. do. In addition, the customer management module generates customer information by querying the affiliated merchant database on whether the member of the service provider of the affiliated store subscribes to the received payment approval information.

The credit management module 14b secures the loan funds corresponding to the card payment amount according to the payment approval information, and guarantees that the transaction has been normally performed in the transaction history database 12a. Create loan fund request information. When the financial institution approves the loan, the loan funds are first deposited into the mother account in the name of the service provider, the loan data are generated according to the transaction history, and the loan funds are transferred from the mother account to the merchant's own account. Create loan withdrawal request information.

In addition, when the revenue settlement amount is deposited into the mother account of the service provider, to collect and settle the loan according to the deposit details and the loan data and to repay the loan deposited from the financial institution to the unique account of the merchant. Create loan funds repayment request information.

Access the loan fund request information, the loan withdrawal request information, and the loan fund repayment request information by accessing the financial institution server 15 through the second access module 14c, and the loan fund deposit information deposited in the mother account; Receiving the loan payment completion information deposited in the merchant's own account, the sales settlement price payment information deposited into the mother account and the repayment result information after the repayment processing.

In addition, it is connected to the bansa server 12 to receive the payment approval information transmitted from the card company server (13).

The financial institution server 15 may include an affiliated store account management module 15a for managing an account of the affiliated store, a service provider management module 15b for managing a mother account and information about the service provider, and the bansa server 12; And a third connection module 15c for connecting with the card company server 13 and the service provider server 14.

The affiliated store account management module 15a manages a unique account of the affiliated store to deposit the loan after the loan approval and a virtual account to receive the sales settlement payment withdrawn from the card company. The unique account may be represented as a loan account in which the loan is deposited.

When the loan is deposited in the unique account, the loan payment completion information is generated.

When the payment settlement amount is received from the card company in the virtual account, the withdrawal is processed to the mother account of the service provider, and the payment settlement payment information is generated for this. The virtual account is an account assigned by the financial institution under the name of the merchant under agreement and application in a three-party relationship between the merchant, the card company, and the service provider.

The service provider management module 15b is a loan for a real-time payment service, which is a feature of the present invention, wherein a transaction related to the loan request is based on loan loan request information received from the service provider server 14. 12A) generates the approval transaction history inquiry request information requesting the bansa server 12 whether it is a normal transaction.

In addition, the service provider management module 15b determines whether the loan is approved according to the transaction history confirmation information for the approval transaction history inquiry request and the customer information by the affiliated merchant database of the service provider server 14 and the loan approval. When the loan fund according to the loan fund request information is deposited into the mother account of the service provider, the loan fund deposit information is generated.

In addition, the service provider management module 15b withdraws from the mother account according to the loan withdrawal request information of the service provider server 14 and deposits a loan corresponding to the settlement price of the purchase information in the unique account.

In addition, in the repayment for the real-time payment service using a virtual account, which is a feature of the present invention, the service provider management module 15b is requested by the service provider for repayment of the loan, and the merchant has received the loan from the financial institution. After determining whether or not the repayment for the repayment process and generates the repayment result information.

The third access module 15c may include the loan fund request information, the transaction history confirmation information according to the approval transaction history inquiry, the loan withdrawal request information of the service provider server 14, and the deposit of the mother account of the sales settlement price. The loan fund payment request information, receiving the loan fund repayment request information, requesting the inquiry to the transaction history database (12a) of the bansa, the loan fund deposit information, informing the deposit of the loan funds to the mother account, the loan of The loan payment completion information informing the payment of the unique account, the payment settlement payment information and the repayment result information according to the repayment result of the payment of the payment of the mother account of the sales settlement payment.

2 is a flowchart of a loan process for a real-time payment service according to the present invention.

The service provider 21 generates loan information based on the payment approval information generated between the affiliate store and the card company (S201).

According to the generated loan information, the service provider 21 requests the financial institution 22 for loan of the loan fund corresponding to the payment price included in the payment approval information (S202).

The financial institution 22 receives the loan fund request information (S203).

In order to confirm the actual existence of the transaction corresponding to the received loan fund request information, request an inquiry of approval transaction details from the bansa 23 (S204).

The bansa 23 inquires whether the approval transaction exists in the transaction history database built on the bansa server, and notifies the financial institution 22 of the inquiry result of whether the transaction actually exists (S205).

According to the notified inquiry result, the financial institution 22 makes a first judgment of loan approval based on the existence of an approved transaction (S206).

If the loan is possible in the first judgment, the financial institution 22 determines the final loan availability by determining the customer information included in the loan fund request information received from the service provider 21. (S207).

When both the first and second judgments are available for loan, the financial institution 22 accepts the loan to the affiliated store and deposits the loan funds in an intermediate stage before depositing the loan according to the loan into the unique account of the affiliated store. The funds are deposited into the mother account (S208).

However, in the first or second judgment, the subsequent procedure, such as generating a loan impossibility information and terminating the process according to the real-time payment when it is impossible to determine in detail, is not a feature of the present invention and its progress will be apparent to those skilled in the art. Is omitted (S209).

When the loan fund is deposited into the mother account, the financial institution 22 notifies the service provider 21 of the loan request result of completing the deposit into the mother account (S210).

The service provider 21 receiving the loan request result notification generates loan data from the financial institution 22 to the affiliated store and requests the loan to be withdrawn from the mother account to be deposited into a unique account of the affiliated store (S211). ).

The financial institution 22, which has been requested to deposit a loan to the unique account, completes a loan deposit processing to the affiliated store's unique account which withdraws the loan fund from the mother account and transfers it to the unique account (S212).

When the service provider receives the processing result for the loan payment processing, the loan process for the real-time payment service, which is a feature of the present invention, is completed (S213).

3 is a flowchart of a repayment process for a real-time payment service according to the present invention.

The card company 24 requests the financial institution 22 to settle the card sales based on the data of the payment approval database configured on the card company server, and then deposit the sales settlement amount corresponding to the card payment amount into the virtual account of the merchant. (S301).

The financial institution 22 deposits the sales settlement price in the virtual account of the affiliated store at the request of the card company (S302).

The financial institution 22 withdraws the sales settlement amount deposited into the virtual account and deposits the money into the mother account of the service provider 21 and notifies the service provider 21 of the settlement amount payment information to the mother account. (S303).

The service provider 21 receives the payment information of the sales settlement price and compares the wage history according to the payment information with the loan data according to the loan described above with reference to FIG. Generate repayment data for (S304).

The service provider 21 requests repayment of the loan to the financial institution according to the repayment data (S305).

The financial institution 22, which has been requested to be repaid, determines whether to be repaid according to the loan information (S306).

When it is determined that the repayment is possible in the repayment determination, the financial institution 22 repays the repayment for the loan with the sales settlement amount deposited in the mother account of the service provider 21 (S307).

The financial institution 22 transmits the result of the normal payment or the result determined as impossible in the repayment determination to the service provider 21 (S308).

When the service provider 21 receives the processed repayment result, the repayment process for the real-time payment service, which is a feature of the present invention, is completed (S309).

4 is a flowchart of the overall processing of the real-time payment service according to the present invention.

Hereinafter, the operation of the real-time payment service providing method using a virtual account according to the present invention will be described with reference to FIGS.

When there is a card payment request for one or more purchase price of goods and services, the merchant terminal 11 that has received the card payment request for the purchase price transmits payment approval request information including purchase information to the bansa server 12 ( S401).

The bansa server 12 transmits the payment approval request information back to the card company server 13 (S402).

At this time, it is natural that the affiliated store is registered with the card company and is also registered with a real-time payment service provider.

The user management module 13b of the card company server 13 receiving the payment approval request information including the purchase information processes the payment approval according to the inquiry of the creditor, the limit exceeded, and the like by searching the user's member information, and the payment is made. The approval information is generated and transmitted to the bansa server 12 (S403).

The bansa server 12 transmits the received payment approval information to the affiliated store terminal 11 and the service provider server 14 (S404). At this time, the transaction history according to the payment approval information is stored in the transaction history database of the bansa server 12. The merchant receiving the payment approval information is naturally performed regardless of the process of real-time payment service through a loan fund request, which will be described later, such as delivery of the purchased goods to the buyer.

The customer management module 14a of the service provider server 14 receiving the payment approval information queries the affiliated merchant database configured in the customer management module for the credit rating of the affiliated store and the normal subscription relationship with the service provider. The client information is generated, and the credit management module generates loan fund request information so that the loan fund corresponding to the payment amount is deposited into the mother account opened under the name of the service provider according to the purchase information included in the received payment approval information. It transfers to the financial institution server 15 (S405). At this time, the loan fund request information includes loan information including the payment approval information and customer information.

The service provider management module 15b of the financial institution server 15 receiving the loan fund request information generates the approval transaction history inquiry request information for inquiring whether the transaction related to the loan fund request information was actually normal and the bansa. The server 12 transmits to the server 12 (S406).

The Bansa server 12 receiving the approval transaction history inquiry request information retrieves it from the transaction history database 12a and generates transaction history confirmation information indicating that there was a normal real transaction and transmits it to the financial institution server 15 (S407). ).

The service provider management module 15b of the financial institution server 15 that has received the transaction history confirmation information may perform a real-time payment by the affiliated store to which the loan is made according to the customer information on the loan fund request information received from the service provider. After reconfirming that the service is a normal affiliated merchant, the loan funds are deposited in the mother account opened in the name of the service provider, and the loan fund deposit information is generated and transmitted to the service provider server 14 (S408).

The credit management module 14b of the service provider server 14 receiving the loan fund deposit information generates loan data from the financial institution 22 to the affiliated store, and withdraws the loan fund deposited in the mother account. By generating the loan withdrawal request information to be deposited in the merchant's unique account and transmits to the financial institution server (15) (S409).

When the service provider management module 15b of the financial institution server 15 receiving the loan withdrawal request information inquires the unique account of the affiliated store and deposits the loan in the unique account, the affiliated store account management module 15a ) Generates the loan payment completion information and transmits it to the service provider server 14 (S410).

The sales settlement management module 13c of the card company server 13 stores the corresponding payment approval transaction stored in the settlement approval database configured in the sales settlement management module 13c after a normal processing day has passed from the settlement date for the purchase. After the payment is settled for the payment, the payment for the payment according to the sales is deposited in the virtual account opened in the name of the affiliated store, and the virtual account deposit information is generated and transmitted to the financial institution server 15 (S501).

The merchant account management module 15a of the financial institution server 15 that has received the virtual account deposit information deposits the settlement price from the virtual account to the mother account of the service provider, and generates the settlement settlement payment information. Transfer to the service provider server 14 (S502).

The credit management module 14b of the service provider server 14 receiving the payment settlement payment information compares the payment data generated in the loan process with the payment details according to the payment settlement payment information and relates to the loan. After processing the collection and settlement, the loan fund repayment request information is generated and transmitted to the server 15 of the financial institution (S503).

The service provider management module 15b of the financial institution server 15 that has received the loan fund repayment request information determines whether to repay according to the loan information, and withdraws the sales settlement price from the mother account of the service provider. Process the repayment for the loan amount deposited in the, and generates the repayment result information and transmits to the server 14 of the service provider (S504).

When the server 14 of the service provider receives the processed repayment result information, the real-time payment service, which is a feature of the present invention, is completed.

Real-time payment in the real-time payment that is a feature of the present invention is to be performed twice a day, morning, afternoon, it is preferable to make the configuration and operation according to the invention more easily.

In the detailed description according to the present invention has been described with respect to specific embodiments and those skilled in the art will understand that various modifications are possible without departing from the scope of the technical spirit of the present invention.

The scope of the present invention should not be limited to the above-described embodiments, but should be defined by the claims below and equivalents thereof.

As described above, the present invention provides a real-time payment service using a virtual account that can facilitate the cash flow of the merchant by allowing the merchant to make a payment in real time, when the card company approves the payment approval request. It works.

In addition, the present invention has the effect of providing a real-time payment service using a virtual account to prevent the withdrawal of the merchant after real-time payment of the service provider for the merchant.

1 is a system configuration of a real-time payment service according to the present invention.

2 is a flowchart of a loan process of a real-time payment service according to the present invention.

3 is a flow chart of a redemption process of a real-time payment service according to the present invention.

4 is an overall processing flowchart of a real-time payment service according to the present invention.

Claims (8)

In the system for providing a card payment service for the purchase price between the card company and registered merchants registered with the card company, An affiliated store terminal installed in the registered affiliated store and requesting payment approval; Merchant management module for managing the information of the registered merchant, a user management module for granting payment approval for the payment approval request, and a sales settlement management module for depositing the sales settlement value corresponding to the purchase price to the merchant's virtual account Card company server, Bansa server including a transaction history database for storing the transaction history according to the payment approval, Service provider server consisting of a customer management module for managing the merchant receiving the card payment service in real time, a credit management module for processing loan request, collection, loan settlement and repayment request for real-time payment service, and Merchant store account management module for managing a virtual account of the merchant and the merchant account receiving the payment of sales payments, and the repayment according to the loan and repayment request according to the loan request Real-time payment system using a virtual account, characterized in that consisting of a financial institution server consisting of a service provider management module for determining and processing financial services related thereto. The method of claim 1, The affiliated store management module further comprises a merchant database storing the information of the affiliated store. The method of claim 1, The sales settlement management module is a real-time payment system using a virtual account further comprises a payment approval database for storing transaction history information according to the payment approval. In the method for providing a card payment service for the purchase price between the card company and registered merchants registered with the card company, (a) the payment approval request information for the purchase price is transmitted from the affiliated terminal of the registered affiliated store to the card company server through the bansa, and the user management module of the card company server generates the payment approval information after processing the card payment possibility; Transmitting to the bansa server, (b) the bansa server receiving the payment approval information stores the transaction history regarding the payment approval information in the transaction history database included in the bansa server and transmits the payment approval information to the affiliated store terminal and the service provider server. step, (c) the customer management module of the service provider that has received the payment approval information generates customer information for determining whether the affiliate requesting the payment approval is a real-time payment service subscription merchant, and according to the payment approval information. A credit management module of the service provider server generating loan fund request information and transmitting it to the financial institution server; (d) When the service provider management module of the financial institution server that receives the loan fund request information generates and transmits the approval transaction history inquiry request information requesting confirmation of the normal transaction, the bansa server transmits the transaction history. After querying whether there is a transaction history in the database, the transaction history confirmation information is generated and transmitted to the financial institution server, and the service provider management module of the financial institution server approves the loan according to the transaction history confirmation information and the customer information. Judging whether or not the loan is possible, depositing the loan funds to the mother account of the service provider, generating loan fund deposit information, and transmitting the loan funds to the service provider server; (e) The credit management module of the service provider server receiving the loan fund deposit information generates loan data according to the loan fund deposit information, and withdraws the loan funds deposited to the mother account and deposits them in the unique account of the merchant. When the loan withdrawal request information is generated and transmitted to the financial institution server, the service provider management module of the financial institution server deposits the loan to the unique account and generates loan payment completion information and transmits it to the service provider server, (f) When the sales settlement management module of the card company server processes the settlement amount for the affiliated store, deposits the settlement settlement amount into the virtual account of the affiliated store, generates virtual account deposit information, and transmits it to the financial institution server. A step of depositing, by the affiliated account management module of the financial institution server, the revenue settlement price into the mother account of the service provider, generating the payment settlement information, and transmitting it to the service provider server; and (g) the credit management module of the service provider server receiving the payment settlement payment information, generates a loan payment repayment request information requesting repayment of the loan after processing the collection and loan settlement related to the payment settlement; When transmitting to the financial institution server, the service provider management module of the financial institution server, the virtual account characterized in that it comprises the step of judging whether or not to repay the loan, and generates the repayment result information to transmit to the service provider server Real-time payment service providing method using. In the card payment service providing system for the purchase price, Service provider server consisting of a customer management module for managing the merchant receiving the card payment service in real time, a credit management module for processing loan request, collection, loan settlement and repayment request for real-time payment service, and Merchant store account management module that manages the virtual account of the merchant to receive the payment account payments from the merchant and the unique account of the merchant to receive the loan payment according to the real-time payment service, repayment according to the loan and repayment request according to the loan request A financial institution server composed of a service provider management module that determines whether or not to process financial services. Real-time payment system using a virtual account, characterized in that consisting of. The method according to claim 1 or 5, The customer management module is a real-time payment system using a virtual account further comprises a subscription merchant database registered and subscribed to the service provider server to receive the real-time payment service. The method according to claim 1 or 5, The financial service is a real-time payment system using a virtual account, characterized in that it further comprises a deposit, withdrawal service between accounts. In the method of providing a card payment service for the purchase price, A service provider server that provides real-time payment service to merchants by loan and repayment based on payment approval information from a card company, (a) generating customer information for determining whether the customer management module of the service provider is a merchant capable of real-time payment, and the loan management module generates loan fund request information for real-time payment according to the payment approval information; Sending to an institution's server, (b) the service provider management module of the financial institution receiving the loan fund request information determines whether the loan is possible by referring to the actual transaction history and customer information according to the loan fund request information, and accordingly the loan fund is the mother account of the service provider; When the loan fund deposit information is generated and the loan fund deposit information is generated, the credit management module of the service provider server receiving the loan fund deposit information withdraws the loan funds deposited in the mother account and deposits the loan withdrawal request information for depositing the unique account of the affiliated store. Generating and transmitting to the financial institution server; (c) When the sales settlement amount, which is settled from the card company, is transferred to the virtual account of the affiliated store and then transferred to the mother account, the credit management module of the service provider server collects the sales settlement amount and processes the loan settlement and then the loan. Generating a loan repayment request information for requesting repayment to the financial institution server, and (d) the service provider management module of the financial institution is a method of providing a real-time payment service using a virtual account, characterized in that it comprises the step of determining and processing the repayment according to the loan repayment request information.