KR20120031282A - Method for processing payment by using payroll deduction - Google Patents

Abstract

PURPOSE: A method for processing payment by using payroll deduction is provided to automatically process settlement process by subtracting the payment amount from a predetermined online card settlement amount. CONSTITUTION: A client using a specific card uses a client terminal(160). A company terminal or server(155) pays salary to the client. A web server(140) sales tangible/intangible product to the client. A card company server(100) offers the payment deduction service about the card payment amount.

Description

Method for Processing Payment by using Payroll Deduction}

The present invention, in the payment processing method using a payroll deduction executed by the server, the card information of the user and the unique information of the user is mapped, the unique information of the user and the payment amount requesting payment approval is confirmed, When the card information mapped to the unique information of the user is confirmed, it is checked whether the identified card information is mapped to the user's payroll account, and based on the user's salary income confirmed through the payroll account mapped with the card information. The present invention relates to a payment processing method using a payroll deduction for determining payment approval of the payment amount, mapping payment information approved based on the payroll income to the card information, and storing the payment information in a storage medium.

In general, a typical payment method used in an online commerce process includes online payment in which a predetermined payment amount is transferred from an account of a client (= client) to an account of the affiliate store (= web server), and Credit card payment is transmitted to the card company server through a network, and the card company server processes payment for a predetermined payment amount based on the card information.

Among the online payment means, the credit card payment system is issued to a predetermined client by the card company and includes a credit card (eg, a magnetic stripe according to ISO 7810 standard) that includes predetermined card information conforming to the International Standard Organization (ISO) standard. Card and / or integrated circuit (IC) card conforming to ISO 7816/14443), a client terminal used by the member to process commerce online, a predetermined web server corresponding to the merchant of the card company, It includes a predetermined payment server provided in the card company, and a predetermined network connecting the client terminal and the web server, or connecting the web server and the card company server.

In the process of performing payment processing through the online credit card payment system, the client terminal reads predetermined card information (eg, card number, password, expiration date, etc.) from the credit card of the client to the web server. When the transmission, in connection with the card information and the predetermined card payment information (for example, the card payment amount) from the web server to the payment server provided in the card company, the payment server to verify the validity of the card information It includes a process of approving the payment processing for the card payment information.

In the above online credit card settlement, it is advantageous to increase the limit of the card in order to maximize the profit of the card company, but this may in turn increase the delinquency rate of the card and thus hinder the profit of the card company. do. Thereby, the card company evaluates the creditworthiness of the client and adjusts the limit amount of the card according to the credit rating, thereby maximizing the card company profit at an appropriate level.

However, there is a limit to maximizing the profit of the card company only by adjusting the limit amount as described above. Therefore, in order to maximize the profit of the credit card company in a more advanced way, a predetermined means of guaranteeing the settlement of the client is required for the payment amount, but a conventional credit card payment system requires the client to pay the above payment amount. There is no proper means of guaranteeing the settlement, and the delinquency rate only increases due to the excessive increase of the limit amount to increase the yield.

An object of the present invention, in the payment processing method using a payroll deduction executed by the server, the step of mapping the user's card information and the user's unique information, and the user's unique information and payment amount requesting payment approval A step of checking and confirming card information mapped to the unique information of the user, checking whether the checked card information is mapped to the user's payroll account, and a user confirmed through the payroll account mapped to the card information Determining a payment approval of the payment amount based on the salary income of and providing a payment processing method using the payroll deduction for storing the approved payment information based on the salary income on the storage medium by mapping the payment information with the card information. .

In the payment processing method using the payroll deduction according to the present invention, the payment processing method using the payroll deduction executed by the server, the step of mapping the card information of the user and the unique information of the user and the unique information and payment of the user Confirming a payment amount for requesting authorization, checking card information mapped to the unique information of the user, checking whether the checked card information is mapped to the user's payroll account, and mapping the card information Determining payment approval of the payment amount based on the salary income of the user identified through the salary account; and storing the approved payment information on the basis of the salary income with the card information and storing it in a storage medium. It is characterized by.

In the payment processing method using the salary deduction according to the present invention, the method further comprises the step of checking whether the card user is a salary earner based on the salary details of the salary account.

In the payment processing method using the salary deduction according to the present invention, the salary income includes the retirement benefit income of the user, and confirming the retirement benefit income of the user and the retirement benefit income for the settlement approval Characterized in that it further comprises the step of setting as collateral.

In the payment processing method using the salary deduction according to the present invention, the step of determining the payment approval of the payment amount, characterized in that the payment approval selectively for a part or all of the payment amount.

In the payment processing method using the payroll deduction according to the present invention, the payment approved amount is first deducted from the next salary paid to the payroll account based on the payment history stored in the storage medium.

According to the present invention, since a client receiving a predetermined salary from a predetermined company automatically deducts a predetermined online card payment amount from a salary in an online commerce process, the settlement process of the card payment amount is automatically processed, which is convenient and fast. Even when the online card payment is an installment payment, the installment interest is inexpensive since the card payment amount is automatically deducted from the salary, and the online card payment amount is limited to a predetermined salary deduction limit amount, so that the payment can be made in a healthy manner. have.

In addition, the card company guarantees that the company pays the online card payment amount of the client within a predetermined salary deduction range for the client so that the card payment amount is not overdue, thereby ensuring a stable profit.

1 is a simplified embodiment of the online payroll payment system according to a preferred embodiment of the present invention.
2 is an exemplary embodiment of the online payroll payment system extended to the case where a plurality of card company servers exist according to a preferred embodiment of the present invention.
Figure 3 is a preferred flow diagram for the process of processing the online payroll deduction in accordance with one embodiment of the present invention.
Figure 4 is a preferred flow diagram for the process of approving the online payroll payment in accordance with one embodiment of the present invention.
Figure 5 is an illustration of a card payment program including a payroll deduction means according to a preferred embodiment of the present invention.
6 is a diagram illustrating a preferred system for deducting (or settlement) a salary deduction substitute amount of an online card payment amount according to an embodiment of the present invention.
7 is a view showing a preferred process of deducting (or settling) the payroll deduction substitute amount of the online card payment amount in the card company server according to an embodiment of the present invention.

Hereinafter, with reference to the accompanying drawings and description will be described in detail the operating principle of the preferred embodiment of the present invention. However, the drawings and the following description shown below are for the preferred method among various methods for effectively explaining the features of the present invention, the present invention is not limited only to the drawings and description below. In the following description of the present invention, a detailed description of known functions and configurations incorporated herein will be omitted when it may make the subject matter of the present invention rather unclear. In addition, terms to be described below are terms defined in consideration of functions in the present invention, which may vary according to a user's or operator's intention or custom. Therefore, the definition should be based on the contents throughout the present title.

Preferred embodiments of the present invention to be carried out below are provided in each system functional configuration in order to efficiently describe the technical components constituting the present invention, or the system functional configuration typically provided in the technical field to which the present invention belongs Omitted as possible, it will be described mainly for the functional configuration to be additionally provided for the present invention. That is, those skilled in the art to which the present invention pertains will be able to easily understand the function of the components used in the conventional payment system among the omitted functional configuration not shown below, omitted as described above It will be clearly understood that the relationship between the added components and those added for the present invention.

In the following preferred embodiment of the present invention, the storage medium is provided inside the card company server in order to efficiently describe the technical components of the present invention. It may be provided in a position accessible through.

As a result, the technical spirit of the present invention is determined by the claims, and the following examples are one means for efficiently explaining the technical spirit of the present invention to those skilled in the art to which the present invention pertains. It is only.

1 is a simplified embodiment of the online payroll payment system according to a preferred embodiment of the present invention.

Referring to FIG. 1, an online commerce system providing a payroll deduction service includes a client terminal 160 used by a client who owns a predetermined card, and a company terminal or server 155 that pays a salary to the client. And a web server for selling tangible and intangible goods to the client, and a card company for providing a predetermined card payment service to the client and providing a payroll deduction payment service for the card payment amount of the client in cooperation with the company. Server 100.

The company terminal or server 155 and the card company server 100 go through a predetermined business alliance procedure to provide a payroll deduction payment service for the card payment amount of the client, the company terminal according to a preferred embodiment of the present invention Alternatively, the business cooperation procedure between the server 155 and the card company server 100 may be performed by the company terminal or the server 155 accessing the card company server 100 to perform a predetermined membership registration procedure. According to the method, the company and the card company may be formed to enter into a predetermined business alliance contract.

When a business alliance is established between the company terminal or server 155 and the card company server 100 as described above, the card company server 100 includes predetermined card information about the client-owned card and a portion of the card payment amount of the client or The predetermined payment discrimination information for determining in real time that the entire payment is made by the company is stored in association with the storage medium 130 on the network.

The company includes an enterprise, an agency, and / or an organization that periodically pays the client as an employer of the client, and the company is provided with at least one company terminal or server 155.

According to a preferred embodiment of the present invention, the company terminal is at least one client terminal 160 used in the company, a computer that the client uses for business in the company, or a secretary or accounting staff in the company It is preferable to include a computer used for work, and the company server is at least one server used by the company, the groupware (Groupware) server used for work in the company, or for business support in the company It is preferable to include an ERP (Enterprise Resource Planning) server, it is preferable that the company terminal or server 155 is provided with a predetermined certificate for secure communication session with the card company server 100.

The client is an employee of the company, which provides a predetermined workforce for the company's profit generation and is regularly paid by the company, such as employees, executives, and / or managers (e.g. Chief Executive Office) And a chief technology office (CTO), wherein the client has at least one card issued by the card company to provide a payroll deduction service.

According to a preferred embodiment of the invention, a card issued to the client for providing a payroll deduction service is an MS card conforming to the ISO 7810 standard, and / or an IC card conforming to the ISO 7816 to ISO 14443 standard, and / or PCS ( It includes IC chips mounted in portable wireless terminals including Personal Communication System (GSM), Global System for Mobile communications (GSM), Personal Digital Cellular (PDC), Personal Handyphone System (PHS), Personal Digital Assistant (PDA) and the like. desirable.

The client terminal 160 is a computer or terminal in which the client accesses the web server 140 to purchase a predetermined product and processes payment using the card. The client terminal 160 accesses the web server 140 through the Internet. Purchasing at least one or more tangible and intangible goods posted on the web server 140, and processing the payment for the purchased goods.

According to a preferred embodiment of the present invention, the client terminal 160 is preferably equipped with a predetermined web browser for connecting to the web server 140 and / or purchase a predetermined product.

Referring to FIG. 1, a predetermined recording medium provided in the client terminal 160 includes an address storage unit 190 for storing predetermined card reading information and card company information in association with each other; A payment information reader 185 for reading and receiving predetermined payment information from the web server 140; A generation unit 180 for generating card payment information including the read payment information, client information, and payment means information; And an address extraction unit 175 for extracting a network connection address for a predetermined card company server 100 from the address storage unit 190. It characterized in that the card payment program 165, including; the communication unit 170 for transmitting the card payment information and receiving a predetermined payment authentication code from the card company server 100 is recorded.

The address storage unit 190 stores a network connection address (eg, a URL of the card company server 100) for at least one card company server 100. According to a preferred embodiment of the present invention, The card payment program 165 may generate and directly transmit predetermined card payment information from the client terminal 160 to the card company server 100 through the network connection address.

The payment information reader 185 reads and receives predetermined payment information (eg, a card payment amount) from the web server 140 in which the client requests a purchase and payment processing of a predetermined product.

According to a preferred embodiment of the present invention, the payment information reading unit 185 reads predetermined payment information from the web server 140 through the web browser provided in the client terminal 160, or It is preferable to read the payment information by directly accessing the web server 140.

The generation unit 180 is the payment information (for example, the card payment amount) read from the web server 140 through the payment information reader 185, and predetermined input means provided in the client terminal 160 The card information input from the card information and / or the card information read from a predetermined CAD (Card Acceptance Device) provided in the client terminal 160, and predetermined payment means information by processing the link payment information characterized in that for generating the card payment information do.

According to a preferred embodiment of the present invention, the card information is predetermined card identification information that the client terminal 160 reads from the card of the client, and the card number and membership number (or member code) included in the card. And serial numbers (or serial codes) are preferable. In particular, when the card is an IC card, the card information is predetermined information or data stored in a memory unit provided in the IC chip, and / or information generated or read from a predetermined card application provided in the IC chip. Or preferably include data.

The address extracting unit 175 is a network connection address (eg, card company server 100) of the card company server 100 that issued the card among at least one or more card company information stored in the address storage unit 190 based on the card information. Extract a URL (uniform Resource Locator)).

When the communication unit 170 generates card payment information by the generation unit 180 and extracts the network connection address of the card company server 100 to transmit the card payment information by the address extraction unit 175, The card company server 100 is characterized in that for transmitting the card payment information.

In addition, the communication unit 170 receives a predetermined payment authentication code from the card company server 100, the web server (UCAF (Universal Cardholder Authentication Field) provided in the web browser to the received payment authentication code) 140).

According to a preferred embodiment of the present invention, the UCAF corresponds to an invisible data transmission area included in the web site for transmitting the payment authentication code to the web server 140 through the web browser.

Web server 140 is a server corresponding to the online merchant of the card company, characterized in that to sell the tangible and / or intangible goods to the client over the Internet, the Internet to sell and / or brokerage of tangible goods An electronic commerce server including a shopping mall, an auction site, or a joint purchase site, and a content providing server selling paid digital content including text content, sound content, image content, and / or multimedia content.

Referring to FIG. 1 according to a preferred embodiment of the present invention, the web server 140 is an online commerce unit 150 for selling a certain type of tangible or intangible product to at least one or more client terminals 160 online, and a payment agent. It is preferable to include an institution 135 (= card purchaser) and an online payment unit 145 for processing transactions for card payment.

The online commerce unit 150 provided in the web server 140 posts at least one or more tangible and intangible product information on the web, and at least one or more client terminals 160 access and search and browse the product information. A function of selling at least one or more items posted as is provided.

According to a preferred embodiment of the present invention, the online commerce unit 150 includes a UCAF for receiving a predetermined payment authentication code in a web page transmitted to the client terminal 160, and transmits the UCAF through the UCAF. It is preferable to receive a predetermined payment authentication code from the client terminal 160 and provide it to the online payment unit 145.

In addition, the online payment unit 145 is predetermined to the web server 140 through the web browser that the card payment program 165 output to the client terminal 160 is provided in the client terminal 160. When the payment verification code (for example, payment verification code generated in the card company server 100 and transmitted to the client terminal 160) is transmitted, the card payment server via the payment agency 135 to the received payment verification code A function of transmitting to 100 is provided.

The card company server 100 issues the at least one card to the client, and when the card payment online using the card, the card through the approval or rejection of the predetermined card payment information received from the client terminal 160 Characterized in processing the payment.

Referring to FIG. 1, the card company server 100 stores the payment discrimination information for the client in association with the card information, and / or replaces the payroll deduction for the client after the payroll deduction payment processing to the client. A storage medium 130 storing the details in association with the card information; A reading unit 120 for reading predetermined card information and / or payment means information from information or data received from the web server 140 or the client terminal 160; An extraction unit 115 for extracting predetermined payment discrimination information associated with card information from the storage medium 130; A determination unit 105 for determining whether a payroll deduction is processed by reading the payment means information, and / or reading the payment discrimination information and determining whether the company pays the card payment amount of the client; And a storage unit 110 in the storage medium 130 in association with the card information, generating a predetermined payroll deduction history from the card payment information of the client when the card payment amount is paid by the company. Characterized in that made.

According to a preferred embodiment of the present invention, the card company server 100 receives predetermined card information from the web server 140, transmits predetermined salary deduction approval information to the web server 140, and the client Receives predetermined card payment information generated from the card payment program 165 output to the terminal 160, generates a predetermined payment authentication code in accordance with the determination result of the determination unit 105 to the client terminal 160 And a payment processing unit 125 for receiving a predetermined payment verification code through the payment agency 135 from the web server 140 and comparing the payment verification code to process card payment for the card payment information. It is preferable that it further comprises.

According to another exemplary embodiment of the present invention, the payment processing unit 125 may not be provided in the card company server 100 but may be provided in the card company in the form of a predetermined payment server.

When the reader 120 makes an online card payment using the card, card information and / or payment is received from predetermined information or data received from the web server 140 or the client terminal 160 to the payment processing unit 125. The means information is read out and provided to the determination unit 105.

According to a preferred embodiment of the present invention, the card information includes predetermined card identification information including a card number, a member number (or member code), a serial number (or serial code), etc. read out from the card. desirable. In particular, when the card is an IC card, the card information includes predetermined information or data stored in a memory unit provided in the IC chip, and / or information generated or read from a predetermined card application provided in the IC chip. Or preferably include data.

The extraction unit 115 is processed in conjunction with the card information read by the reader 120 to extract the payment discrimination information stored in the storage medium 130, characterized in that for providing to the determination unit 105. .

According to a preferred embodiment of the present invention, the payment discrimination information stored in the storage medium 130 may include information about a salary deduction for the amount of the deduction for the online card payment within a range of the information on the amount of the substitution for the amount of the deduction for the payment of the online credit card. As information that guarantees that the company pays, the payment discrimination information is updated by the company terminal or server 155.

According to a preferred embodiment of the present invention, the payment discrimination information is a Boolean value for determining that the client and the company are in an employment relationship, or predetermined relationship information including the company information and client information. It is preferable to include (for example, including information associated with the corporate registration number and the social security number of the client).

The determination unit 105 reads the payment means information provided by the reading unit 120 from the information or data received from the web server 140 or the client terminal 160 to read the web server 140 or the like. The client terminal 160 determines whether the payment processing using the payroll deduction means is requested, and / or reads the payment discrimination information extracted and provided by the extraction unit 115 from the storage medium 130 to the client. It is characterized by determining whether the card payment amount is paid by the company.

According to a preferred embodiment of the present invention, the payment discrimination information preferably includes information on the amount of substitution for the salary deduction of the online card payment for the client, and the determination unit 105 and the card payment amount of the client and the like. And further comprising a function of determining whether the sum of the information on the accumulated amount of the replacement amount of the payroll deduction of the online card payment included in the payroll deduction replacement details stored in the storage medium 130 exceeds the information on the amount of the replacement amount of the payroll deduction. It is preferable.

The determination result of the payroll deduction information performed by the determining unit 105 is confirmed that the payment processing using the payroll deduction means proposed by the present invention is requested from the web server 140 or the client terminal 160, and When the determination result of the payment discrimination information confirms that the card payment amount of the client is paid by the company, the payment processing unit 125 generates a predetermined payment authentication code and transmits it to the client terminal 160. The client terminal 160 transmits the payment verification code to the web server 140 through the web browser, and the web server 140 transmits the payment verification code through a predetermined payment agency 135 and a payment network. And again to the payment processing unit 125 of the card company server 100. When the predetermined payment authentication code transmitted to the client terminal 160 is received as described above, the payment processing unit 125 compares the payment authentication code to approve or reject the payroll deduction payment.

When the payroll deduction is approved as described above, the storage unit 110 extracts a predetermined card payment amount from the card payment information received from the client terminal 160 and includes the extracted card payment amount. Create a payment deduction replacement history of the information (e.g., information including information on the cumulative amount of the payroll substitution amount of the online card payment amount generated by accumulating the card payment amount previously paid and the currently settled payment); In addition, the salary deduction is characterized in that for storing the information stored in the storage medium 130 in association with the card information.

According to a preferred embodiment of the present invention, the salary deduction replacement history stored in the storage medium 130 by the storage unit 110 is provided to the company terminal or server 155 periodically or in real time, the company is the card A predetermined amount corresponding to the settlement deduction amount of the deduction amount of the payment deduction of the online card payment amount is periodically paid to the card company on behalf of the client, and the company is included in the salary deduction subtraction details from the salary paid to the client. It is preferable to deduct a predetermined amount corresponding to the information on the cumulative amount of substitution of the benefit deduction.

When the company pays the accumulated amount of the card payment amount of the client as described above, the information on the amount of the replacement amount of the payroll deduction amount of the online card payment included in the payroll deduction replacement history stored in the storage medium 130 is “0”. It is preferable to initialize.

2 is an implementation diagram of the online payroll deduction payment system extended to the case where a plurality of card company servers 100 exist according to a preferred embodiment of the present invention.

In the online payroll deduction payment system as shown in FIG. 1, at least two card issuers 205 are generally present. In this case, the company pays the payroll deduction of each card issuer 205 and the client. Should have a predetermined business partnership.

Therefore, when there are a plurality of card issuers as described above, affiliation and management of the predetermined business outside the company on behalf of the plurality of card issuers 205, and payment processing is performed by the card issuer server 100. When requested, it is preferable that there is a predetermined management server 200 that performs a predetermined payroll deduction payment process in association with the card issuer server 100.

According to a preferred embodiment of the present invention, if there is a management server 200 as shown in Figure 2, the functions provided in the card company server 100 in Figure 1 (eg, reading unit, extracting unit, determination unit, and The storage unit) is preferably transferred to the management server 200, the card issuer server 100 is preferably provided with only the payment processing unit 125 of Figure 1 function.

Figure 3 is a preferred flow diagram for the process of processing the online payroll deduction in accordance with one embodiment of the present invention.

Referring to FIG. 3 according to a preferred embodiment of the present invention, a process of processing an online payroll deduction is a web server 140 on the Internet where predetermined product information is posted through a web browser at a predetermined client terminal 160. It is preferred that the client is initiated by selecting and paying for at least one product to be purchased by the client from among the product information posted on the web server 140.

When payment is requested from the client terminal 160 to the web server 140 as described above (300), the card payment program 165 provided in the client terminal 160 is executed (305), the card payment program ( 165 reads and receives predetermined payment information from the web server 140 (310). According to a preferred embodiment of the present invention, the payment information preferably includes a card payment amount and / or a merchant number. Do.

When the predetermined payment information is received from the web server 140 as described above, the card payment program 165 receives the payment information including the payment amount of the card, the card payment information including the predetermined client information and the payment means information. It generates (315), and extracts the network connection address of the card company server 100 to transmit the card payment information from the address storage unit 190 (320).

When the card payment information is generated as described above and the network connection address of the card company server 100 to transmit the card payment information is extracted, the card payment program 165 is based on the network connection address of the card company server 100. The card payment information is transmitted to the card company server 100 through the Internet (325).

Referring to FIG. 3 according to a preferred embodiment of the present invention, the card payment program 165 transmits the card payment information including predetermined payment means information, and the payment means information is transmitted from the card company server 100. The card information is provided by the web server 140 as information that provides a basis for determining whether the payment processing using the card information is processed by a conventional credit card payment or the payroll deduction payment proposed by the present invention. In connection with the card company server 100 is transmitted.

According to another embodiment of the present invention, if the card company server 100 can pay the card payment amount of the client at a predetermined company, it is automatically processed as payroll deduction, otherwise it is automatically processed by the conventional credit card payment. If it is set to process, the web server 140 does not transmit the card information to the card company server 100 without linking the card information and predetermined payment means information to the card company server 100. It's okay.

According to a preferred embodiment of the present invention, the client information included in the card payment information is based on the basis for guaranteeing the confidentiality, authentication, integrity, and nonrepudiation of the payment processing. to provide.

When predetermined card payment information is received by the card company server 100 as described above, the card company server 100 reads predetermined client information from the card payment information, and determines the validity of the client information (330). .

If the validity of the client information is not authenticated (335), the card company server 100 generates predetermined payment error information and transmits it to the card payment program 165 included in the client terminal 160 for output. 340) The payment process ends.

On the other hand, if the validity of the client information is authenticated (345), the card company server 100 reads the payment means information included in the card payment information to the client terminal 160 to purchase from the web server 140 It is determined whether the purchase price of the product is paid by the payroll deduction means or by the conventional credit card payment means (350).

If it is determined that the reading result of the payment means information is not paid by the payroll deduction means (355) (eg, when it is determined that the payment is made by the conventional credit card payment means), the card company server 100 is connected to the conventional online. The payment process is performed according to the credit card payment process (360).

On the other hand, if it is determined that the result of reading the payment means information is paid by the payroll deduction means (365), the card company server 100 extracts and reads the payment discrimination information associated with the card information from the storage medium 130. In operation 370, the company determines whether the client pays the card payment amount of the client.

According to a preferred embodiment of the present invention, it is preferable that the payment discrimination information includes a salary deduction replacement limit amount information of a predetermined online card payment amount. In this case, the card company server 100 determines the online card payment amount of the client. It is preferable to further include the step of determining whether it is possible for the company to pay the card payment amount of the client by determining whether the cumulative deduction of the payroll deduction amount of the information exceeds the payroll deduction replacement limit amount information.

If it is determined that the reading result of the payment discrimination information does not pay the card payment amount of the client at the company (375), the card company server 100 generates predetermined payment error information to the client terminal 160. It transmits to the card payment program 165 provided in the output (340), and ends the payment processing.

On the other hand, when the result of reading the payment discrimination information is determined to pay the card payment amount of the client in the company (380), the card company server 100 generates a predetermined payment authentication code for processing the payroll deduction payment After transmitting to the card payment program 165 provided in the client terminal 160, through the process as shown in Figure 4 approves the payroll deduction payment (385).

According to a preferred embodiment of the present invention, the payment authentication code generated in the card company server 100 and transmitted to the card payment program 165 provided in the client terminal 160, the web server 140 and / or It is preferably stored for a period of time in the card company server 100 until it is received through the payment agency (135).

Figure 4 is a preferred flow diagram for the process of approving the online payroll payment in accordance with one embodiment of the present invention.

Referring to FIG. 4 according to a preferred embodiment of the present invention, when a predetermined payment authentication code is generated from the card company server 100 and received by the client terminal 160, the card payment provided in the client terminal 160 is provided. The program 165 generates payment verification information including the payment verification code and predetermined card information and transmits the verification information to the web server 140 through UCAF included in the web browser connected to the web server 140 ( 400).

According to a preferred embodiment of the present invention, the card information preferably includes a card number for the card, and when the card is an IC card, the card information is read from a credit card application mounted on the IC card. It is preferable to include information or data of the.

When predetermined payment authentication information generated by the card payment program 165 included in the client terminal 160 is received, the web server 140 transmits the payment authentication information to a payment agency 135 through a predetermined payment network. After transmitting to the card company server 100 (405), the card company server 100 reads the card information and the payment authentication code from the received payment authentication information to determine whether to approve the payment ( 410).

According to a preferred embodiment of the present invention, it is preferable that the card company server 100 determines whether the payment is approved by authenticating the validity of the card information read from the payment authentication information. That is, the card company server 100 may query a predetermined database (not shown) through the card information to determine the validity of the payment processing using the card. For example, the card company server 100 searches a database (not shown) for storing a black list or a database (not shown) for storing lost card information through the card information, thereby using the card. Determine whether to perform the payment processing.

In addition, the card company server 100 compares the payment authentication code read from the payment authentication information and the payment authentication code transmitted from the card company server 100 to the card payment program 165 included in the client terminal 160. And it is preferable to determine whether the payment approval by determining the identity of the payment authentication code.

If an error occurs in the payment approval process (415), the card company server 100 generates predetermined payment error information and transmits it to the web server 140 and / or the client terminal 160, the payroll deduction The payment ends (420).

On the other hand, if the payment is approved (425) (e.g., if the validity of the card information is authenticated, and if the identity of the payment authentication code is authenticated), the card company server 100 generates a predetermined payment approval information to the web Transmitting to the server 140 and / or the client terminal 160 (430), and generating a predetermined salary deduction substitute based on the card payment information received from the client terminal 160 (435), as described above The generated payroll deduction details are stored in the storage medium 130 in association with the card information (440).

When the payroll deduction replacement details are processed in connection with the card information and stored in the storage medium 130 through the above process, the card company server 100 stores the payroll deduction replacement details (for example, an online card for the client). It is determined whether or not to provide the company terminal or the server 155 with information on the cumulative amount of the salary deduction substitute payment).

If it is determined to provide the salary deduction replacement details to the company terminal or server 155 (for example, when the salary deduction replacement details are provided to the company terminal or server 155 in real time, or periodically) In the case of providing the company's terminal or the server 155 to the cycle of providing the information on the salary deductible substitute amount of the online credit card payment amount), the card company server 100 is stored in the storage medium 130 The salary deductible replacement details are provided to the company terminal or server 155 (455).

According to a preferred embodiment of the present invention, the salary deductible replacement amount of the online card payment amount of the client included in the payroll deduction substitute history is periodically settled from the company to the card company, the card company server 100 It is determined whether the cumulative replacement amount of the client's payroll deduction has been reached.

If the client's online card payment amount has reached the period to receive the settlement deduction of the payroll deduction amount from the company (460), the card company server 100 in accordance with the business procedure associated with the company terminal or server 155 The cumulative amount of the salary deduction substitute of the client is settled and paid from the company (465).

According to a preferred embodiment of the present invention, when the salary deductible replacement amount of the online card payment amount of the client is settled from the company to the card company server 100 as described above, the card company server 100 is the company terminal or server ( 155) the settlement result is provided, and the company terminal or server 155 is paid after deducting an amount corresponding to the salary deduction replacement amount from the salary paid from the company to the client based on the settlement result. do.

5 is an exemplary diagram of a card payment program 165 including a payroll deduction means according to a preferred embodiment of the present invention.

Referring to (a) of FIG. 5, the card payment program 165 is the client terminal 160 when the client terminal 160 requests the purchase and payment of a predetermined product in the web server 140 At the same time, the predetermined payment means (e.g., salary) is read and received from the web server 140 to read and receive predetermined payment information (e.g., payment amount and merchant number), and pay the purchase price of the product. A client information interface including a predetermined payment method interface for selecting or determining a deduction payment method and / or a credit card payment method, etc., and receiving predetermined client information (eg, a user account and a password) from the client; Output including

When the payment information, predetermined payment means, and / or client information read from the web server 140 are selected or input as described above, and the user clicks on the “customer information authentication” button included in the card payment program 165, The card payment program 165 generates predetermined card payment information including the payment information, the client information, and the payment means information, and transmits the predetermined card payment information to the card company server 100 and the predetermined payment from the card company server 100. When the authentication code is received, it is automatically switched to (b) of FIG.

Referring to (b) of FIG. 5, when a predetermined payment authentication code is received from the card company server 100, the card payment program 165 may request predetermined card information (eg, card number and installment month number) from a client. ) Or read predetermined card information from the card, and generate predetermined payment authentication information including the payment authentication code and card information.

According to a preferred embodiment of the present invention, the card payment program 165 may include the payment authentication information in at least one IPC (InterProcess Communication) technology (eg, WM_COPYDATA message, shared memory, pipe, automation, etc.). Copies to UCAF of the web browser provided in the client terminal 160 through the), and transmits the payment authentication information to the web server 140 through the web browser. As described above, the payment authentication information transmitted to the web server 140 is transmitted from the web server 140 to the card company server 100 again through a payment agency 135 through a predetermined payment network, and the card company server ( 100 determines whether payment is approved for the payroll deduction through payment authentication information.

Figure 6 illustrates a preferred system for deducting (or settlement) a salary deduction replacement amount of an online card payment amount according to an embodiment of the present invention.

In more detail, Fig. 6 shows a company in which the client is in service, a card company server 100 providing a payroll deductible service to the client, a predetermined card issued to the client by the card company server 100, and the client. In the system comprising a web server 140 (and / or payment agency (card purchaser) 135) for paying for goods or services purchased from the merchant through the card, the client After providing the online card payment service, the company further includes a financial company server 600 to settle the deduction of the payroll deduction of the online card payment amount and deducted from the salary paid to the client by the company in which the client is in service; Is done.

Referring to FIG. 6, the financial company server 600 is managed by a company, and has a company account 605 in which a predetermined salary to be paid to the client is deposited, and a client salary to which the salary paid to the client is deposited. An account 610 and a settlement account 615 (eg, a card company account) in which the payroll replacement amount is settled among the online card payment amount of the client are opened, and the financial company server 600 may be at least one or more according to the implementation method. The company account 605 and / or payroll account 610 and / or settlement account 615 that is opened in another financial company is characterized in that the management.

According to a preferred embodiment of the present invention, a method of deducting (or settingtle) a salary deductible replacement amount of the online card payment amount may provide a predetermined salary to the client at the company (for example, the client at the company account 605). Before the salary payment amount is deposited into the client salary account 610), withdraw the amount corresponding to the salary deduction amount from the company account 605, deposit and settle the settlement account 615 and pay the remaining payment to the client. Payroll deduction method of the selected postpartum payment method to deposit to the payroll account 610, and after the company pays a predetermined salary to the client, withdraw the amount corresponding to the payroll deduction amount from the client payroll account (610) Payroll deduction method of the prepayment after payment method to be deposited and settled to the settlement account (615) Is recommended.

In addition, the preferred procedure for calculating the replacement amount of the payroll deduction of the online card payment amount, if the client provides the company with the payroll deductible amount information from the credit card company server 100, the financial company server in the company A process of calculating the amount corresponding to the salary deductible replacement amount through 600 and providing and requesting the salary deduction amount replacement information from the card company server 100 to the financial institution server 600, the client in the company; Paying the salary deduction for the salary deduction in the client salary, the payment of the deduction for the salary deductible amount information to the company in which the client is in service in the card company server 100 In the financial company server 600 and the payroll deductible amount information and Providing the client information and the settlement of the amount corresponding to the salary deduction amount based on the client information in the financial institution server 600, etc. For this purpose, the credit card company and the company and / or the company and the financial company and And / or a business alliance is required between at least two institutions for providing and claiming the salary deductible replacement amount among financial companies and card companies, and some business alliances may be omitted depending on the implementation method.

According to a preferred method of the present invention, the client salary comprises at least one salary, bonuses, retirement benefits (or retirement benefit allowance or pension retirement reserve) paid to the client by the company in which the client is employed Preferably, the client card for the online card payment physically comprises an MS (Magnetic Stripe) type card, an IC card, and at least one IC chip mounted or detached from the wireless terminal, logically credit It is preferable to include at least one card, debit card, cash card, check card.

In addition, the point of time when the payroll deductible replacement amount of the online card payment amount is settled, immediately or after the month after providing and claiming the payroll deduction substitute amount to the company or the financial company server 600 in the card company server 100 (For example, when the client salary corresponds to salary or bonus salary), or the card company server 100 provides the salary deductible replacement amount to the company or the financial company server 600 and bills for a predetermined period of time. After this has elapsed, it is desirable to settle (e.g., if the client's benefit corresponds to a bonus or retirement benefit (or retirement allowance or retirement pension reserve).

In addition, it is preferable that the settlement amount of the payroll deduction amount of the online card payment amount is settled collectively or divided at least two times or more.

According to another exemplary embodiment of the present invention, the card company server 100 that provides the payroll deduction substitute amount in FIG. 6 serves as the server 1 and receives the payroll deduction substitute amount and deducts the financial company server ( The 600 may be regarded as performing the role of the server 2.

7 is a view showing a preferred process of deducting (or settlement) the salary deductible replacement amount of the online card payment amount in the card company server 100 according to an embodiment of the present invention.

In more detail, in FIG. 7, in the system as shown in FIG. 6, when the card company server 100 provides a predetermined salary deductible amount to the company by a business alliance between the company and the card company, the company provides the replacement amount. After paying the settlement amount of the salary deduction substitute amount to the settlement account 615 of the salary to be paid from the company account 605 to the salary account 610 through the financial company server 600, the salary deduction It is for a selected postpartum payment method of paying a predetermined amount deducted a replacement amount to the client salary account (610). However, FIG. 7 is only for effectively explaining the technical idea of the present invention to those skilled in the art, and those skilled in the art to which the present invention pertains after the prepayment based on this figure 7. Settlement of the payroll deduction alternative amount of the payment method and the settlement procedure for providing and claiming the payroll deduction substitute amount from the card company server 100 to the financial company server 600 and the payroll deduction substitute amount from the card company server 100 to the company If provided and billed, the company will be able to easily infer the procedure of providing the settlement amount and the client information to the financial institution server 600 to settle.

Referring to FIG. 7, after the online credit card payment processing of the payroll deduction method, the card company server 100 is connected to the company and / or the client to the online card payment amount by the business partnership between the card company and the company. After providing the information on the amount of the deduction for the deduction for the deduction (700), the payment of the deduction for the deduction for the online credit card payment amount of the client (705).

When the payroll deduction amount is charged as described above, the company terminal (or the server) determines whether or not the deduction of the payroll deduction amount for the online card payment amount of the client (710), the determination process in the company It is equivalent to determining whether to pay a predetermined salary (eg, monthly salary and / or bonus salary) to the client.

If the determination result is that the deduction processing of the salary deductible replacement amount is performed (for example, if the salary is paid from the company to the client) (715), the company terminal (or server) is the company opened in the financial company server 600 Payout deduction for the client from the account (605) by paying the deposit to the settlement account 615 and settled (720), the payroll deduction from the company account 605 through the financial company server 600 Through the process of depositing (paying) an amount deducting a replacement amount into the client salary account 610 (725) and providing the client with a predetermined salary payment statement including the salary deduction history information (730). Payroll deductions for online card payments are deducted.

According to the present invention, the method for deducting a substitute payroll amount according to this drawing is characterized in that it is recorded as a computer-executable program.

100: card company server 105: determination unit
110: storage unit 115: extraction unit
120: reader 125: payment processing unit
130: storage medium 135: payment agency
140: web server 145: online payment unit
150: Online Commerce Department 155: Company terminal or server
160: client terminal 165: card payment program
170: communication unit 175: information extraction unit
180: generation unit 185: payment information reading unit
190: address storage unit

Claims (5)

In the payment processing method using the payroll deduction executed by the server,
Mapping card information of a user and unique information of the user;
Confirming a payment amount for requesting payment information and the unique information of the user;
Checking card information mapped with the unique information of the user;
Checking whether the identified card information is mapped to a user's payroll account;
Determining a payment approval of the payment amount based on the salary income of the user identified through the payroll account mapped to the card information; And
And mapping the payment details approved on the basis of the salary income to the card information and storing them in a storage medium.
The method of claim 1,
And determining whether the card user is a salary earner on the basis of salary details of the salary account.
The method of claim 1,
The salary income includes the retirement benefit income of the employer,
Checking the retirement benefit income of the user; And
And setting the retirement benefit income as a collateral for the settlement approval.
The method of claim 1, wherein the determining of the payment approval of the payment amount comprises:
The payment processing method using a payroll deduction characterized in that the payment is selectively approved for a part or all of the payment amount.
The method of claim 1,
The payment processing method using the payroll deduction, characterized in that the first payment is deducted from the next payment paid to the payroll account based on the payment history stored in the storage medium.

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