KR20120098279A - System for deferred transfer account payment - Google Patents

System for deferred transfer account payment Download PDF

Info

Publication number
KR20120098279A
KR20120098279A KR1020110018134A KR20110018134A KR20120098279A KR 20120098279 A KR20120098279 A KR 20120098279A KR 1020110018134 A KR1020110018134 A KR 1020110018134A KR 20110018134 A KR20110018134 A KR 20110018134A KR 20120098279 A KR20120098279 A KR 20120098279A
Authority
KR
South Korea
Prior art keywords
buyer
payment
transaction
seller
account
Prior art date
Application number
KR1020110018134A
Other languages
Korean (ko)
Inventor
안유백
김무진
Original Assignee
(주)아이비티알엔씨
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by (주)아이비티알엔씨 filed Critical (주)아이비티알엔씨
Priority to KR1020110018134A priority Critical patent/KR20120098279A/en
Publication of KR20120098279A publication Critical patent/KR20120098279A/en

Links

Images

Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/389—Keeping log of transactions for guaranteeing non-repudiation of a transaction
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
    • G06Q20/023—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP] the neutral party being a clearing house
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/407—Cancellation of a transaction

Landscapes

  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Engineering & Computer Science (AREA)
  • Physics & Mathematics (AREA)
  • Finance (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Computer Security & Cryptography (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

PURPOSE: An account-transfer payment system for deferred payment is provided to enable a purchaser to safely complete a commercial transaction by performing deferred payment using an account-transfer only when the commercial transaction is successfully completed. CONSTITUTION: An order for a product is performed for a seller server through a purchaser terminal(S10). A relay server requests transaction certification to a financial institution server based on financial information of a purchaser provided from the purchaser terminal(S20). A seller arranges delivery for the certificated product order(S30). The seller provides delivery information to the relay server through the seller server. If the delivery for the purchaser is completed, the purchaser confirms the product(S40). If the transaction is successfully completed, the transaction is finally approved(S50). [Reference numerals] (AA) Start; (BB) Completion; (S10) Product order; (S20) Transaction certification(payment preparation); (S30) Product delivery; (S40) Product confirmation; (S50) Transaction approval; (S60) Deferred payment execution

Description

후지급계좌이체결제 시스템{SYSTEM FOR DEFERRED TRANSFER ACCOUNT PAYMENT}Postpay Account Transfer System {SYSTEM FOR DEFERRED TRANSFER ACCOUNT PAYMENT}

본 발명은 지급결제 시스템에 관한 것으로, 구체적으로는 선불 방식의 지급 결제 방식에 대비하여 상거래의 안정성을 높일 수 있는 보다 안전한 후지급계좌이체결제 시스템에 관한 것이다.The present invention relates to a payment settlement system, and more particularly, to a safer postpay account transfer system that can increase the stability of commerce compared to a prepaid payment settlement method.

전자 통신 기술의 발전과 통신망 인프라의 확산에 따라 상거래 환경은 전통적 상거래에서 전자 상거래로 급속도록 이전되고 있다. 전자상거래의 중요한 요소의 하나인 전자적 지급결제시스템은 전자상거래의 급속한 확대에 따라 그 중요성이 더욱 증가되고 있다.With the development of electronic communication technology and the proliferation of network infrastructure, the commerce environment is rapidly moving from traditional commerce to electronic commerce. The importance of the electronic payment system, which is one of the important elements of electronic commerce, is increasing with the rapid expansion of electronic commerce.

전자상거래의 확산 초기부터 꾸준히 동반 증가하는 전자상거래에 있어서 피해 사례는 대부분이 선불방식에 기인하는 부분이 크다. 전자상거래의 특성상 비대면 거래가 대부분인데 물품을 인도 받기도 전에 물품 대금을 선불로 결제하기에 상품의 미배송 등의 문제가 발생하였을 때 구매자는 이에 대하여 적절한 대응이 어렵다.Most cases of damage in e-commerce, which has been steadily increasing since the beginning of e-commerce, are largely due to prepayment. Due to the nature of e-commerce, most of them are non-face-to-face transactions, but it is difficult for buyers to respond appropriately when problems such as non-delivery of goods occur due to prepaid payment of goods before delivery.

이러한 문제점을 해결하기 위하여 최근 에스크로 방식의 지급결제 시스템이 일부 적용되고 있으나 에스크로 방식의 지급결제를 이용한 각종 사기 거래에 의해 피해자들이 발생되고 있는 실정이다. 특히, 계좌 이체를 이용한 선불 방식의 현금 결제는 그 피해가 더욱 크다.In order to solve this problem, some escrow payment system has been applied recently, but the victims are caused by various fraudulent transactions using escrow payment. In particular, the prepayment of cash payments by wire transfer is more damaging.

본 발명의 목적은 계좌 이체를 이용한 지급결제 방식에 있어서 상거래가 정상적으로 완료되면 상거래 대금을 후지급 결제를 실행하는 안전한 후지급계좌이체결제 시스템을 제공하는데 있다.It is an object of the present invention to provide a secure postpay account settlement system that executes a post payment payment for a commerce price when a commerce is normally completed in a payment settlement method using a wire transfer.

상기한 기술적 과제를 달성하기 위한 본 발명의 일면은 후지급계좌이체결제 시스템에 관한 것이다. 본 발명의 일면에 따른 후지급계좌이체결제 시스템은: 통신망을 통하여 연결되는 구매자 단말과 판매자 시스템에 의한 전자적 상거래에 있어서, 구매자 단말 또는 판매자 시스템을 통한 구매자의 거래인증요구에 응답하여 구매자의 계좌가 위치한 금융기관시스템에 구매자의 계좌에서 거래대금을 지급제한 하는 거래인증을 실시하고, 상거래가 정상 완료되어 구매자 단말 또는 판매자 시스템을 통한 구매자의 거래승인요구가 접수되면 구매자의 계좌에서 지급 준비금에 대한 지급 제한을 해지하고 후지급결제를 실행하는 중계시스템을 포함한다.One aspect of the present invention for achieving the above technical problem relates to a postpay account transfer payment system. According to an aspect of the present invention, the postpay account transfer settlement system includes: a buyer's account connected to a buyer terminal and a seller system connected through a communication network, in response to the buyer's transaction authentication request through the buyer terminal or the seller system, Perform a transaction verification that limits the payment amount from the buyer's account to the located financial institution system.When the transaction is completed normally and the request for approval of the buyer's transaction is received through the buyer's terminal or the seller's system, the payment for the reserve is paid from the buyer's account. Includes a relay system that revokes restrictions and executes postpayment.

상기 중계시스템은 상기 구매자 단말 또는 판매자 시스템을 통하여 구매자 또는 판매자의 취소주문요구가 접수되면 판매자 또는 구매자의 확인을 통하여 거래대금의 지급제한을 해지 처리한다.The relay system terminates the payment of the transaction price through the confirmation of the seller or the buyer when the cancellation order request of the buyer or the seller is received through the buyer terminal or the seller system.

본 발명의 후지급계좌이체결제 시스템에 따르면 상거래가 정상적으로 완료되는 경우에 계좌 이체를 이용한 후지급결제가 실행됨으로 구매자는 안전하게 상거래를 완료할 수 있으며, 판매자 또한 상거래가 진행되는 동안 구매자의 계좌에서 거래 대금이 지급 준비금으로 설정되기 때문에 안심하고 상거래를 진행할 수 있다.According to the postpay account transfer settlement system of the present invention, when the commerce is completed normally, the buyer can safely complete the commerce by performing the post payment using the account transfer, and the seller also deals in the buyer's account while the commerce is in progress. Since the payment is set as a reserve, the commerce can be carried out with confidence.

도 1은 본 발명의 후지급계좌이체결제 시스템의 전체 구성을 개략적으로 보여주는 도면이다.
도 2는 본 발명의 후지급계좌이체결제 시스템을 이용한 상거래 및 후지급결제 과정을 보여주는 순서도이다.
도 3은 본 발명의 후지급계좌이체결제 시스템을 이용하는 경우에 있어서 취소 주문 처리 수순을 보여주는 순서도이다.1 is a view schematically showing the overall configuration of the postpay account transfer payment system of the present invention.
Figure 2 is a flow chart illustrating a commerce and postpay payment process using the postpay account transfer system of the present invention.
3 is a flowchart showing a cancellation order processing procedure when using the postpay account transfer system of the present invention.

본 발명을 충분히 이해하기 위해서 본 발명의 바람직한 실시예를 첨부 도면을 참조하여 설명한다. 본 발명의 실시예는 여러 가지 형태로 변형될 수 있으며, 본 발명의 범위가 아래에서 상세히 설명하는 실시예로 한정되는 것으로 해석되어서는 안 된다. 본 실시예는 당업계에서 평균적인 지식을 가진 자에게 본 발명을 보다 완전하게 설명하기 위해서 제공 되어지는 것이다. 본 발명의 요지를 불필요하게 흐릴 수 있다고 판단되는 공지 기능 및 구성에 대한 상세한 기술은 생략된다.For a better understanding of the present invention, a preferred embodiment of the present invention will be described with reference to the accompanying drawings. The embodiments of the present invention may be modified into various forms, and the scope of the present invention should not be construed as being limited to the embodiments described in detail below. This embodiment is provided to more completely explain the present invention to those skilled in the art. Detailed descriptions of well-known functions and constructions which may be unnecessarily obscured by the gist of the present invention are omitted.

도 1은 본 발명의 후지급계좌이체결제 시스템의 전체 구성을 개략적으로 보여주는 도면이다.1 is a view schematically showing the overall configuration of the postpay account transfer payment system of the present invention.

도 1을 참조하여, 본 발명의 후지급계좌이체결제 시스템은 크게 후지급계좌이체결제 정보를 중계하는 중계 시스템(10)과 계좌이체를 실행하는 금융기관 시스템(30) 그리고 전자적 상거래를 수행해는 판매자 시스템(30)과 구매자 단말기(40)를 포함하여 구성된다. 중계 시스템(10)은 중계서버(12)와 중계 시스템 데이터 베이스(14)를 구비하고 판매자 시스템(30)과 구매자 단말(40) 그리고 금융기관시스템(20) 사이에서 후지급계좌이체결제에 따른 일련의 처리 절차에 대한 정보 처리 중계를 담당한다. 금융기관 시스템(20)은 금융기관 서버(22)와 금융기관 데이터 베이스(24)를 구비한다. 판매자 시스템(30)은 통신망(50)을 통하여 구매자 단말(40)과 연결되는 판매자 서버(32)와 상품 정보 등이 저장된 판매자 데이터 베이스(34)를 구비한다.Referring to Figure 1, the postpayment account transfer system of the present invention is largely relay system for relaying the postpayment account transfer information 10 and the financial institution system 30 for performing the account transfer and the seller performing the electronic commerce It comprises a system 30 and a purchaser terminal 40. The relay system 10 includes a relay server 12 and a relay system database 14, and a series of postpay account transfers between the seller system 30, the purchaser terminal 40, and the financial institution system 20. Responsible for relaying information processing on the processing procedures. The financial institution system 20 includes a financial institution server 22 and a financial institution database 24. The seller system 30 includes a seller server 32 connected to the purchaser terminal 40 through the communication network 50 and a seller database 34 in which product information and the like are stored.

도 2는 본 발명의 후지급계좌이체결제 시스템을 이용한 상거래 및 후지급결제 과정을 보여주는 순서도이다.Figure 2 is a flow chart illustrating a commerce and postpay payment process using the postpay account transfer system of the present invention.

도 2를 참조하여, 상기와 같이 구성된 전자적 상거래 환경에서 상거래 및 후지급결제 과정은 다음과 같다. 먼저, 단계 S10에서 구매자 단말(40)을 통하여 판매자 서버(32)로 상품 주문이 이루어지면, 단계 S20에서 중계 서버(12)는 구매자 단말(40)을 통하여 제공 되어진 구매자의 금융 정보에 기초하여 금융기관서버(22)로 거래 인증을 요구한다. 이에 응답하여 금융기관서버(22)는 구매자의 계좌에서 구매 대금을 지급 준비금으로써 지급이 제한 되도록 처리한다. 중계 서버(12)는 이러한 일련의 처리가 정상적으로 완료되면, 구매자 단말(40)과 판매자 서버(32)로 거래 인증이 정상적으로 처리 되었음을 통지한다.Referring to FIG. 2, the commerce and postpay payment process in the electronic commerce environment configured as described above is as follows. First, when a product order is made to the seller server 32 through the buyer terminal 40 in step S10, the relay server 12 in step S20 is financed based on the buyer's financial information provided through the buyer terminal 40 Transaction authentication is requested to the institution server 22. In response, the financial institution server 22 processes the purchase price in the buyer's account to be limited to the payment reserve. The relay server 12 notifies the purchaser terminal 40 and the seller server 32 that the transaction authentication is normally processed when such a series of processes is completed normally.

단계 S30에서 판매자는 거래 인증된 상품 주문건에 대하여 배송을 실시하고, 판매자는 배송정보를 판매자 서버(32)를 통하여 중계 서버(12)로 제공한다. 중계 서버(12)는 배송정보를 해당되는 거래 인증건과 매치하여 중계 시스템 데이터 베이스(14)에 저장한다.In step S30, the seller delivers the goods certified for the transaction, and the seller provides the delivery information to the relay server 12 through the seller server 32. The relay server 12 stores the delivery information in the relay system database 14 by matching the corresponding transaction certificate.

상품 배송이 구매자에게 완료되면, 단계 S40에서 구매자는 상품을 확인하고 정상적으로 거래가 완료된 경우 최종적으로 거래 승인을 하게된다. 단계 S50에서 중계 서버(12)는 구매자 단말(40) 또는 판매자 서버(32)를 통하여 제공되는 거래 승인 요구에 응답하여 금융기관 서버(22)로 해당 거래 인증 건에 대하여 최종 거래 승인 요청을 한다. 금융기관 서버(20)는 최종 거래 승인 요청이 접된 거래 인증 건에 대하여 해당되는 계좌에서 지급 준비금의 지급 제한을 해지하고, 단계 S60에서 후지급결제를 실행한다.When the goods delivery is completed to the buyer, the buyer confirms the goods in step S40 and finally the transaction approval when the transaction is completed normally. In step S50, the relay server 12 makes a final transaction approval request to the financial institution server 22 in response to the transaction approval request provided through the purchaser terminal 40 or the seller server 32. The financial institution server 20 cancels the payment restriction of the payment reserve in the corresponding account for the transaction authentication that the final transaction approval request is received, and executes the post payment payment in step S60.

도 3은 본 발명의 후지급계좌이체결제 시스템을 이용하는 경우에 있어서 취소 주문 처리 수순을 보여주는 순서도이다.3 is a flowchart showing a cancellation order processing procedure when using the postpay account transfer system of the present invention.

도 3을 참조하여, 후지급계좌이체결제 시스템을 통하여 거래 인증된 상품 주문건에 대하여 판매자 또는 구매자로부터의 취소주문이 접수되면 중계 시스템(10)은 다음과 같은 절차를 통하여 해당 취소주문을 처리한다. 먼저, 단계 S200에서 취소주문이 접수되면, 단계 S210에서 판매자로부터인지 구매자로부터인지를 판단한다. 판매자로부터 접수된 취소주문인 경우 단계 S220에서 구매자 확인 처리 절차를 진행하고, 구매자로부터 접수된 취소주문인 경우에 단계 S230으로 진행하여 판매자 확인 처리 절차를 진행한다. 구매자 또는 판매자의 확인 처리 절차가 완료되면, 중계 서버(12)는 단계 S240으로 진행하여 해당 취소건에 대응한 지급 준비 해지 요청을 금융기관 서버(22)로 제공한다. 금융기관 서버(22)는 지급 준비 해지 요청이 접수된 주문건에 대응한 계좌의 지급 제한을 해지 처리한다.Referring to FIG. 3, when a cancel order from a seller or a buyer is received for a transaction certified product order through a postpay account settlement system, the relay system 10 processes the cancel order through the following procedure. First, when a cancel order is received in step S200, it is determined in step S210 whether it is from a seller or a buyer. If the cancel order received from the seller proceeds to the buyer confirmation process in step S220, if the cancel order received from the buyer proceeds to step S230 proceeds to the seller confirmation process. When the confirmation processing procedure of the buyer or seller is completed, the relay server 12 proceeds to step S240 and provides the financial institution server 22 with a request to cancel the payment preparation corresponding to the cancellation. The financial institution server 22 cancels the payment restriction of the account corresponding to the order in which the payment preparation cancellation request is received.

이상에서 설명된 본 발명의 후지급계좌이체결제 시스템의 실시예는 예시적인 것에 불과하며, 본 발명이 속한 기술분야의 통상의 지식을 가진 자라면 이로부터 다양한 변형 및 균등한 타 실시예가 가능하다는 점을 잘 알 수 있을 것이다.The embodiment of the postpay account transfer system of the present invention described above is merely exemplary, and those skilled in the art to which the present invention pertains may various modifications and other equivalent embodiments therefrom. You will know well.

그럼으로 본 발명은 상기의 상세한 설명에서 언급되는 형태로만 한정되는 것은 아님을 잘 이해할 수 있을 것이다. 따라서 본 발명의 진정한 기술적 보호 범위는 첨부된 특허청구범위의 기술적 사상에 의해 정해져야 할 것이다. 또한, 본 발명은 첨부된 청구범위에 의해 정의되는 본 발명의 정신과 그 범위 내에 있는 모든 변형물과 균등물 및 대체물을 포함하는 것으로 이해되어야 한다.Accordingly, it is to be understood that the present invention is not limited to the above-described embodiments. Accordingly, the true scope of the present invention should be determined by the technical idea of the appended claims. It is also to be understood that the invention includes all modifications, equivalents, and alternatives falling within the spirit and scope of the invention as defined by the appended claims.

10: 지급결제중계시스템
12: 중계 서버
14: 중계 시스템 데이터 베이스
20: 금융기관시스템
22: 금융기관서버
24: 금융기관 데이터 베이스
30: 판매자시스템
32: 판매자 서버
34: 판매자 데이터 베이스
40: 구매자 단말기10: Payment Payment Relay System
12: relay server
14: relay system database
20: financial institution system
22: financial institution server
24: financial institution database
30: Merchant System
32: Merchant Server
34: Merchant database
40: buyer terminal

Claims (2)

통신망을 통하여 연결되는 구매자 단말과 판매자 시스템에 의한 전자적 상거래에 있어서, 구매자 단말 또는 판매자 시스템을 통한 구매자의 거래인증요구에 응답하여 구매자의 계좌가 위치한 금융기관시스템에 구매자의 계좌에서 거래대금을 지급제한 하는 거래인증을 실시하고, 상거래가 정상 완료되어 구매자 단말 또는 판매자 시스템을 통한 구매자의 거래승인요구가 접수되면 구매자의 계좌에서 지급 준비금에 대한 지급 제한을 해지하고 후지급결제를 실행하는 중계시스템을 포함하는 것을 특징으로 하는 후지급계좌이체결제 시스템.In electronic commerce by the buyer terminal and the seller system connected through the communication network, the transaction price is restricted from the buyer's account to the financial institution system where the buyer's account is located in response to the buyer's transaction authentication request through the buyer terminal or the seller system. If the transaction is normally completed and the buyer's transaction approval request is received through the buyer's terminal or the seller system, the buyer's account includes the relay system for removing payment restrictions on the reserve reserve and executing post payment. After payment account transfer system, characterized in that. 제1항에 있어서,
상기 중계시스템은 상기 구매자 단말 또는 판매자 시스템을 통하여 구매자 또는 판매자의 취소주문요구가 접수되면 판매자 또는 구매자의 확인을 통하여 거래대금의 지급제한을 해지 처리하는 것을 특징으로하는 후지급계좌이체결제 시스템.The method of claim 1,
The relay system is a postpay account settlement system characterized in that the cancellation processing of the payment of the transaction price through the confirmation of the seller or the buyer when the buyer or the cancellation order request is received through the buyer terminal or seller system.
KR1020110018134A 2011-02-28 2011-02-28 System for deferred transfer account payment KR20120098279A (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
KR1020110018134A KR20120098279A (en) 2011-02-28 2011-02-28 System for deferred transfer account payment

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
KR1020110018134A KR20120098279A (en) 2011-02-28 2011-02-28 System for deferred transfer account payment

Publications (1)

Publication Number Publication Date
KR20120098279A true KR20120098279A (en) 2012-09-05

Family

ID=47109361

Family Applications (1)

Application Number Title Priority Date Filing Date
KR1020110018134A KR20120098279A (en) 2011-02-28 2011-02-28 System for deferred transfer account payment

Country Status (1)

Country Link
KR (1) KR20120098279A (en)

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR102261534B1 (en) * 2020-07-20 2021-06-07 (주)투게더앱스 System and method for servicing secure payment

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR102261534B1 (en) * 2020-07-20 2021-06-07 (주)투게더앱스 System and method for servicing secure payment

Similar Documents

Publication Publication Date Title
KR101460182B1 (en) Method and system for secure mobile wallet transaction
JP6585771B2 (en) General-purpose seller application, registration, and usage platform
CA2835514C (en) Processing electronic payment involving mobile communication device
US20200065783A1 (en) Multiple card payment process
US20180285860A1 (en) Apparatus for processing a purchase transaction
US20140250010A1 (en) Method and system of cookie driven cardholder authentication summary
EP2823453A1 (en) System and method for providing integrated electronic commerce marketplace and settlement functionality
WO2019019826A1 (en) Payment method and device
US20170109746A1 (en) Method and system for managing payment transactions
KR101395896B1 (en) Settlement System and Method for trade protecting in social commerce and computer-readable recording medium with program therefor
CN105283892B (en) For providing the method for secure e-business transaction
KR20120098279A (en) System for deferred transfer account payment
KR20150071409A (en) Method for providing electronic commerce payment sevice and payment server thereof
KR20160107778A (en) Simple payment method and system based on mobile app
KR20120098329A (en) System for deferred credit card payment
KR101172872B1 (en) Method and system of secure payment using authentication number
US20190172028A1 (en) Leverage Immediate Payments for Online or POS Retail Sales
CN111178859A (en) Full-media advertisement putting transaction system, method and equipment
CN110675260A (en) Agricultural product transaction data processing method and device based on block chain
TWM566862U (en) Cross-platform payment system for secure transactions
CN113469672B (en) Online payment account separating method and device, server and storage medium
KR20170073563A (en) Method and apparatus for providing bi-directional escrow service of electronic commerce
KR20230081358A (en) Apparatus for processing payment and operation method therefor
TWM639452U (en) Consumption transaction system
TW201946004A (en) Payment system and method for cross-platform secure transaction improving the safety and real-time property of a transaction cross an application program

Legal Events

Date Code Title Description
WITN Application deemed withdrawn, e.g. because no request for examination was filed or no examination fee was paid