KR20130084646A - Method for processing payment - Google Patents

Abstract

PURPOSE: A secure payment processing method is provided to be convenient and fast by automatically processing the payment procedure of a secure payment and to enable healthy payment by having a low installment interest rate and limiting the amount of online secure payment to a fixed salary deduction limit. CONSTITUTION: Registered user information received from a user who agreed to the terms and conditions of secure payment, registered user payment method information received from the user, and a payment code generated to process secure payment according to the terms and conditions are linked and stored in a storage medium. When processing secure payment, the payment code is received through a relay server. A payment authentication code, which is dynamically generated to authenticate secure payment using the user payment method linked with the payment code, is transmitted to a user terminal. The payment code and the payment authentication code are received through the relay server. If the validity of the received payment authentication code is authenticated, a secure payment authentication process is performed by checking the user payment method information linked with the payment code. The payment authentication code includes dynamically generated one time code (OTC) or one time data (OTD). [Reference numerals] (800) Server determines whether or not a payment is substituted with a salary deducted amount by reading salary deducted amount substitution information; (805,BB,DD) No; (810) Server transmits and outputs a safe payment approval and payment completion message to a safe payment window outputted on a client terminal; (815,CC,EE) Yes; (820) Server reads payment lists processed in a safe payment method and generates a salary deducted amount substitution list; (825) Server stores the salary deducted amount substitution list in a storage medium; (830) Server transmits and outputs a safe payment approval and salary deduction message to the safe payment window outputted on the client terminal; (835) Server determines whether or not the salary deducted amount substitution list of a client is provided to a company terminal (or server); (840) Is the salary deducted amount substitution list provided?; (845) Server extracts the salary deducted amount substitution list from the storage medium and provides the same to the company terminal (or server); (850) Server determines whether or not the salary deducted amount substitution cumulative amount of the client is received from the company terminal (or server); (855) Calculate the salary deducted amount substitution cumulative amount?; (860) Company terminal (or server) calculates the salary deducted amount substitution cumulative amount to the server through a financial agency; (865) Company terminal (or server) deducts the salary deducted amount substitution cumulative amount from a salary provided to the client; (AA) Is it possible to be substituted with the salary deducted amount?; (FF) End

Description

Payment method for processing {Method for Processing Payment}

The present invention relates to a payment processing method executed by a server of a financial company that handles secure payment, wherein the user information is input from a user who has agreed to the terms of the secure payment and the registered means of payment is input from the user. And store the payment code in association with the payment code generated to process the secure payment according to the terms and conditions, and during the secure payment process, receive the payment code through a relay server and associate the payment code with the payment code. In order to authenticate the secure payment using the user's payment method, the dynamically generated payment authentication code is processed to be transmitted to the user's terminal, the payment server and the payment authentication code are received through the relay server, and the received payment authentication If the validity of the code is verified, check the payment method information of the user associated with the payment code The payment approval process of the secure payment is processed so that the payment authentication code is related to a payment processing method including a dynamically generated one time code (OTC) or one time data (OTD).

In general, a typical payment method used in the online commerce process includes online payment for transferring and / or depositing a predetermined payment amount from a customer (= client) account to an account of the merchant (= web server), and a predetermined credit card company. The card information is transmitted to the card company server through a network using a card issued to the customer, and the card company server processes a payment for a predetermined payment amount based on the card information.

A conventional credit card payment system among the online payment means is a credit card (for example, an MS conforming to the ISO 7810 standard) issued by the card company to a predetermined client and including predetermined card information conforming to the International Standard Organization (ISO) standard. (Magnetic Stripe) card and / or integrated circuit (IC) card conforming to ISO 7816/14443), a client terminal used by the member to process commerce online, and a predetermined web corresponding to the merchant of the card company It includes a server, 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 payment server. Online credit card payment methods can be used to store client credit card information on a web server or to It could include a serious problem with leakage and / or be stolen.

Therefore, in recent years, such a conventional online credit card payment method has been replaced by a secure payment method called assured payment or assured click. The secured payment is stored on a web server or leaked to the outside. It is a new concept of online payment method that uses an online credit card payment method more securely by thoroughly blocking the theft.

On the other hand, the online payment of the secure payment method as described above, the payment method is replaced with a secure payment only because the payment method uses a conventional credit card payment method includes the problem that the conventional credit card payment means included as it is. . In other words, in order to maximize the profit of the card company in the credit card payment means, it is advantageous to increase the limit amount of the card, but this may in turn increase the delinquency rate of the card and thus hinder the profit of the card company. 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.

SUMMARY OF THE INVENTION An object of the present invention is a payment processing method executed by a server of a financial company that handles secure payment, wherein the registered user information is inputted from a user who has agreed to the terms of the secured payment and the registered user is received from the user. A first step of storing the information on the storage medium in association with the means information and the payment code generated for processing the secure payment according to the terms and the second receiving the payment code through a relay server during the secure payment process; And a third step of processing a dynamically generated payment authentication code to be transmitted to the user's terminal in order to authenticate the secure payment using the user's payment means associated with the payment code, and the payment code and payment through the relay server. The fourth step of receiving a verification code and the payment when the validity of the received payment verification code is verified And a fifth step of checking the payment means information of the user associated with the credit card to process the payment approval process of the secure payment, wherein the payment authentication code is a dynamically generated one time code (OTC) or one OTD (One). The present invention provides a payment processing method including time data).

The payment processing method according to the present invention is a payment processing method executed by a server of a financial company that handles a secure payment, wherein the registered user information is received from a user who agrees to the terms and conditions of the secure payment and is registered and received from the user. Receiving the payment code through a relay server during the secure payment process and the first step of storing the user's payment method information and the payment code generated to process the secure payment in accordance with the terms and the safe payment processing And a third step of processing a dynamically generated payment authentication code to be transmitted to the user's terminal to authenticate the secure payment using the user's payment means associated with the payment code and the payment server through the relay server. A fourth step of receiving a code and a payment verification code and when the validity of the received payment verification code is verified And a fifth step of confirming payment information of the user associated with the payment code to process the payment approval procedure of the secure payment, wherein the payment verification code is a dynamically generated one time code (OTC) or Characterized in that it comprises one time data (OTD).

In the payment processing method according to the present invention, the payment authentication code, characterized in that comprises a security token dynamically generated in the server to approve the secure payment.

In the payment processing method according to the present invention, the fourth step further comprises the step of confirming a result of performing an authentication procedure using the user's official certificate when the payment amount is more than a predetermined amount. It is done.

In the payment processing method according to the present invention, the payment procedure includes a process of processing a part of the payment amount to be replaced by the salary income of the user, when the salary is paid to the salary account of the user And a sixth step of firstly calculating a part of the payment amount through salary.

According to the present invention, since a client receiving a predetermined salary from a predetermined company automatically deducts a predetermined online safety payment amount from a salary during an online commerce process, the settlement process of the security payment amount is automatically processed, which is convenient and fast. Even when the online security payment is an installment payment, the installment interest is inexpensive because the safety payment amount is automatically deducted from the salary, and the online safety 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 the payment of the online security payment amount of the client within a predetermined salary deduction range for the client so that the security payment amount is not overdue, thereby ensuring a stable profit.

1 is a view showing a preferred functional configuration for an online security payment system for providing a payroll deduction alternative service according to a preferred embodiment of the present invention.
FIG. 2 is a diagram illustrating an example of expanding an online safety payment system for providing a payroll deductible service according to another embodiment of the present invention to a case where a plurality of servers exist.
Figure 3 is a preferred illustration of applying for an online security payment providing payroll deduction alternative service according to a preferred embodiment of the present invention.
Figure 4 is a preferred example of requesting the online security payment providing payroll deduction alternative service in accordance with a preferred embodiment of the present invention.
Figure 5 is a preferred flow diagram for the process of performing the online safety payment according to an embodiment of the present invention.
Figure 6 is a preferred flow diagram for the process of performing the online safety payment according to another embodiment of the present invention.
Figure 7 is a preferred illustration of an information storage medium for performing an online safety payment according to another embodiment of the present invention.
Figure 8 is a preferred flow diagram for the process of replacing the security payment with payroll deduction in accordance with a preferred embodiment of the present invention.
Figure 9 is a preferred example of requesting the online security payment providing payroll deduction alternative service according to another embodiment of the present invention.
10 is a flowchart illustrating a process of performing an online safety payment according to another embodiment of the present invention.
11 is a diagram showing 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.
12 is a view showing a preferred process of deducting the salary deduction replacement amount of the online card payment amount in the card company server 100 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. It should be understood, however, that the drawings and the following detailed description are exemplary and explanatory and are intended to provide further explanation of the invention, and are not to be construed as limiting the present invention. 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. The terms used below are defined in consideration of the functions of the present invention, which may vary depending on the user, intention or custom of the operator. Therefore, the definition should be based on the contents throughout the present title.

It is to be understood that both the foregoing general description and the following detailed description of the present invention are exemplary and explanatory and are intended to provide further explanation of the invention as claimed. The configuration is omitted as much as possible, and a functional configuration that should be additionally provided for the present invention is mainly described. Those skilled in the art will readily understand the functions of components that have been used in the prior art among the functional configurations that are not shown in the following description, The relationship between the elements and the components added for the present invention will also be clearly understood.

In addition, the preferred embodiment of the present invention described below is described as being provided in the server to the storage medium in order to efficiently describe the technical components constituting the present invention, but the general knowledge in the technical field to which the present invention belongs Those of ordinary skill in the art will readily understand that the storage medium may be provided on a network accessible from the server.

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 view showing a preferred functional configuration for an online secure payment system for providing a payroll deductible service according to a preferred embodiment of the present invention.

Referring to FIG. 1, an online safety payment system providing a substitute service for payroll deduction includes a client terminal 160 that processes payment online on a predetermined safe payment method, and a company terminal (or server) that pays a predetermined client. 155, a web server 140 that sells tangible and intangible goods to the client online, and provides a secure payment service, and provides a secure payment service to the client and cooperates with the company to secure the client. It includes a server 100 that provides a payroll deduction service for the payment amount.

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

When a business partnership is established between the company terminal (or server) 155 and the server 100 as described above, the server 100 is required to provide a salary deduction replacement service from the company terminal (or server) 155. The predetermined information or data is provided, wherein the received information or data includes the client information and salary information for the client.

According to a preferred embodiment of the present invention, the client information is a company registration number of the company, the company identification code assigned by the financial company to the company in the process of business cooperation between the company and the financial company (for example, the other company and the company Employee identification information including an employee identification code for identifying an employee's number, employee code assigned to the client by the company (e.g., an employee code or employee number assigned to an employee who pays the company), and / or Position, employee rating information including job title, and / or personal information including the employee's name, social security number, and address), and salary information for the client is periodically paid from the company to the client. It is preferable to include the amount of salary to be stated, and specify the amount of salary mentioned above. If one can not be preferred to include the pay rates (e.g., a server devised a predetermined range in a predetermined amount of pay grade interval of grade).

In addition, according to a preferred embodiment of the present invention, a predetermined task for a salary deduction replacement service is affiliated between the company and the server 100, and predetermined information or data is transmitted from the company terminal (or server) 155. The server 100 is provided to the server 100, and the server 100 generates a predetermined salary deduction substitute history based on the client information and / or salary information for the client included in the provided information or data, and the generated salary The deduction of substitution of the deduction is associated with the client information and stored in the storage medium 130 until the client requests (or registers) a secure payment service for online commerce.

The company includes an enterprise, an institution, 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, and the company terminal (or server) 155 is preferably provided with a predetermined certificate for secure communication session with the 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) , CTO (Chief Technology Office, etc.), access to the web server 140 and purchase at least one or more tangible and intangible goods through a predetermined client terminal 160, and the purchase price of the goods in a secure payment method Characterized in that the payment processing.

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. A predetermined web browser 175 and a secure payment plug-in for purchasing at least one or more intangible and / or intangible products posted on the web server 140, and processing payment for the purchase price for the purchased product in a predetermined secure payment method ( For example, a plug-in program downloaded and mounted to the client terminal 160 in the process of applying for the secure payment by the client may be mounted.

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 preferably made to include a secure payment unit 145 for processing the transaction for the secured payment with the institution 135 (= card purchase company).

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.

In addition, the secure payment unit 145 provided in the web server 140 performs a predetermined payment processing function to be performed in the web server 140 based on a predetermined secure payment method. For example, the secure payment unit 145 receives a predetermined payment authentication code (for example, a payment authentication code generated by the server and transmitted to the client terminal 160) from the client terminal 160 and the payment agency 135. A function of transmitting to the server 100 is provided.

Referring to FIG. 1, when the server 100 stores salary deduction substitute information for the client in association with the security payment code and / or payment means information, and the safety settlement amount of the client is replaced with the salary deduction, A storage medium 130 for storing the replacement details of the payroll deduction in association with the client information and / or the secure payment code and / or the payment means information, and a predetermined safe payment code and / or payment means from the client terminal 160; Receiving unit 125 for receiving the information, Payment processing unit 120 for processing the secure payment for the online commerce of the client using the received security payment code and / or payment means information, and the storage medium 130 An extraction unit 115 for extracting salary deduction substitute information associated with the security payment code and / or payment means information from Determination unit 105 for determining whether to replace the security payment amount of the client by the salary deduction by reading the gold replacement information, and the security payment amount of the client when the security payment amount is replaced with the salary deduction according to the determination result It includes a storage unit 110 for storing the salary deduction for the replacement details in the storage medium 130 in association with the client information and / or secure payment code and / or payment means information.

After entering into a business partnership between the server 100 and the company to replace a part or all of the security payment amount with a salary deduction in the online safety payment process of the client, the client accesses the server 100 to secure When applying for a payment service and a payroll deduction service, the server 100 uses predetermined information or data provided from the company terminal (or server) 155 and predetermined salary using the information or data provided from the client. The deduction substitute information is generated, and the salary deduction substitute information and the secure payment code and / or payment means information received from the client terminal 160 in the secure payment process are stored in the storage medium 130.

It is preferable to include payment discrimination information in the payroll deduction substitute information stored in the storage medium 130. The payment discrimination information indicates that the client and the company corresponding to the client information in the server 100 are in an employment relationship. Predetermined information that guarantees real-time confirmation and payment of part or all of the security payment amount of the client from the company to the card company, wherein the client and the company have an employment relationship (for example, a predetermined salary from the company to the client) A Boolean value to determine whether or not the relationship is periodically paid) or predetermined relationship information including the company information and the client information (e.g., linking the client information and the company information). Relationship information), and the payment discrimination information may be It is desirable to update in real time or periodically in the company as the employment relationship between the client and the company changes.

The receiving unit 125 receives a predetermined safe payment code and / or payment means information from the safe payment window 165 outputted to the client terminal 160 in the safe payment process, and determines the determination unit 105 and / or payment. It is characterized in that provided to the processing unit 120.

According to a preferred embodiment of the present invention, the secure payment code and / or payment means information is received encrypted by a predetermined encryption module predefined in the secure payment window 165 output to the client terminal 160, The receiving unit 125 preferably receives and decrypts the secure payment code and / or payment means information encrypted as described above.

The payment processing unit 120 is characterized in that the payment processing in accordance with a predefined safe payment method using the safe payment code and / or payment means information received from the client terminal 160 in the safe payment process.

According to a preferred embodiment of the present invention, the payment processing unit 120 reads the secure payment code received from the client terminal 160 to determine whether the payment is approved, and generates a predetermined payment authentication code if the payment is approved The client terminal 160, the payment verification code is received through the web server 140 and the payment agency 135, and then the payment is made through a series of processes comparing the payment verification code. It is preferable to process.

According to a preferred embodiment of the present invention, the payment authentication code is for approving a predetermined online commerce and a corresponding payment process between the client terminal 160 and the web server 140 in the server 100. A security value corresponding to a predetermined client authentication value (AAV), generated by the server 100, transmitted to the client terminal 160, and transmitted from the client terminal 160 to the web. It is preferable that the server 100 is received through the server 140.

The payment authentication code is one time code (OTP), one time code (OTC), or one time data (OTD) generated by the server 100, and is transmitted from the server 100 to the client terminal 160. By comparing the payment authentication code and the payment authentication code received from the web server 140 to the server 100, the secure payment between the client terminal 160 and the web server 140 is approved.

The extractor 115 extracts the salary deduction substitute information of the client stored in association with the secure payment code and / or payment means information from the storage medium 130 and provides the extracted information to the determination unit 105. The salary deductible replacement information may include predetermined payment discrimination information and / or salary deduction replacement limit amount information and / or salary deduction replacement amount information.

When the predetermined security payment code and / or payment means information is received from the client terminal 160 through the reception unit 125, the determination unit 105 receives the storage medium 130 through the extraction unit 115. And extracting and reading salary deductible replacement information of the client linked to the secured payment code and / or payment means information, to determine whether to replace the secured payment amount of the client with the salary deductible.

According to a preferred embodiment of the present invention, the determination unit 105 pays a predetermined salary to the company (for example, a client) using the payment discrimination information included in the salary deduction substitute information. It is desirable to determine in real time whether it can be paid by the company. For example, if the employment relationship between the client and the company is broken, the security payment amount is not replaced by a payroll deduction.

In addition, the determination unit 105 determines whether the security payment amount of the client can be replaced with the salary deduction by comparing the salary deduction replacement limit amount information included in the salary deduction replacement information and the salary deduction replacement cumulative amount information. It is preferable. For example, the safety settlement amount is replaced with the salary deduction only when the salary deduction replacement limit is larger than the salary deduction replacement cumulative amount.

When the storage unit 110 determines that the determination result of the determination unit 105 replaces the security payment amount of the client with the salary deduction, the storage unit 110 pays the predetermined payment details generated during the safety payment processing of the client. The salary deductible replacement details including the deductible substitute amount may be stored in the storage medium 130 in association with the client information and / or the security payment code and / or payment means information.

According to a preferred embodiment of the present invention, the salary deduction replacement details are provided in real time or periodically to the company terminal (or server) 155 of the company in which the client is in service (or settles the salary deduction amount). It is preferable.

In addition, when the salary deduction replacement details are provided to the company terminal (or server) 155, the server 100 is the salary deduction to the company that the client is in service on the basis of the salary deduction replacement history of the payment processing Claim the payment amount corresponding to the replacement details, and the settlement of the payment amount to the server 100 in the company and processing, and the payment amount corresponding to the salary deduction replacement details in the company deduction from the salary of the client It is desirable to.

According to a preferred embodiment of the present invention, when the company pays (or settles) the accumulated amount of the security settlement amount of the client as described above, the online safety settlement included in the salary deduction replacement history stored in the storage medium 130. The cumulative amount of information on the replacement amount of the payroll deduction is preferably initialized to '0'.

2 is an exemplary embodiment of an online safety payment system providing a payroll deductible replacement service according to another exemplary embodiment of the present invention, in which a plurality of servers exist.

In the online secure payment system as shown in FIG. 1, at least two card issuers 205 are generally present. In this case, the company is responsible for paying the payroll deduction of each card issuer 205 and the client. There should be a certain business partnership.

Therefore, when there are a plurality of card issuers 205 as described above, on behalf of the plurality of card issuers 205, alliance and management of the predetermined business outside the company, and the card issuer server 100 When a payment process is 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 server 100 in Figure 1 (eg, reading unit, extracting unit, determination unit, and storage) It is preferable that the unit is transferred to the management server and provided only, and the card issuer server 100 preferably includes only the payment processing unit 120 function of FIG. 1.

Figure 3 is a preferred illustration of applying for an online security payment providing payroll alternative service according to a preferred embodiment of the present invention.

In more detail, Figure 3 is an exemplary view of a preferred case of applying further including a payroll deduction service in the process of applying for a secure payment service for a client in a company affiliated with the server 100 and a predetermined payroll deductible service work. to be. Those skilled in the art to which the present invention pertains can be further configured based on the example of FIG. 3 (for example, a client who is employed by a company affiliated with a payroll alternative service service who has already applied for a security payment service. If you are applying for payroll deduction service, you will be able to clearly deduce and understand the application for payroll deduction service.

As described above, a process of applying for a secure payment by a client in a company which is affiliated with the server 100 and a payroll deductible service service is a predetermined card number to be processed in a secure payment method as shown in FIG. Enter the e-mail address, and agree to the safe payment terms as shown in (b) of FIG. 3 and enter the password of the card, and then enter a predetermined safe payment password for the safe payment process as shown in (c) of FIG. Including a series of processes to register.

If the client does not work for a company that has affiliated with the server 100 salary deductible replacement service, or is not subject to the salary deductible replacement service (for example, an employee not affiliated with the payroll deductible service service, Or self-employed, students, housewives, etc., who are not paid by a given company, after (c) of Figure 3 is performed, then (bar) of Figure 3 is output, and (bar) of Figure 3 The payroll deduction will read “Not applicable”.

On the other hand, if the client is in a company affiliated with the server 100 salary deductible replacement service work, since the predetermined client information and / or client salary information provided by the company will exist, the server 100 is shown in Figure 3 As shown in (d), the client decides whether to receive the payroll deduction service, and if the client agrees to provide the payroll deduction service, the confidentiality of the payroll deduction service as shown in (e) of FIG. Enter the client's social security number and the employee's code assigned by the company you are currently working with to ensure authentication, authentication, integrity, and nonrepudiation.

According to another exemplary embodiment of the present invention, (e) of FIG. 3 may vary depending on a business partnership between the company and the server 100 and / or characteristics of information or data provided to the server 100 by the company. It is apparent that it may exist in the method of implementation.

When the client inputs the resident registration number and employee code as shown in (e) of FIG. 3, the server 100 secures confidentiality, authentication, integrity, and non-repudiation of the client based on the input information. Using the information provided by the company and / or the information entered by the client to generate a predetermined salary deduction substitute information, and the salary deduction replacement information is applied to the security payment application process (for example, (a) of Figure 3, After (b) and (b) storing the data in the storage medium 130 in association with the predetermined security payment code and / or payment means information input or generated in (a), the security payment service and Notify the client that the payroll deduction service registration process was successful.

Figure 4 is a preferred example of requesting the online security payment providing payroll deduction alternative service according to a preferred embodiment of the present invention.

In more detail, FIG. 4 illustrates a preferred case in which the client terminal 160 connects to the web server 140, purchases a predetermined product, and requests a payment process in a secure payment method. Referring to FIG. When the request method is described, the client connects to a shopping mall that sells a CDP (Compact Disk Player) through a web browser 175 provided in the client terminal 160 and purchases a CDP of a Sony company, and purchases the CDP. This is the case when the payment is requested to be processed in a secure payment method.

When the client purchases the CDP through the web browser 175 as shown in (a) of FIG. 4, and selects the secure payment method from the “secure payment” method and the “no bankbook payment” method, the client terminal In the 160, a secure payment window 165 is output as shown in (b) of FIG. 4, and the secure payment window 165 includes predetermined payment information including a product, an amount of money, and an installment period purchased by the client. At least one payment method for applying for a secure payment service and an interface for inputting a secure payment password are output through the process of FIG. 3.

In the secure payment window 165 outputted to the client terminal 160 as shown in (b) of FIG. 4, the client selects an installment period and a payment method, and inputs a secure payment password registered through the process of FIG. 3. When the payment button is clicked, a predetermined security payment code is generated from the client terminal 160 (= secure payment window) and transmitted to the server 100, and the server 100 is illustrated in FIGS. 5 to 6 to 8. By performing a predetermined process such as to provide a secure payment and / or payroll deduction service for the purchased goods.

Figure 5 is a preferred flow diagram for the process of performing the online safety payment according to an embodiment of the present invention.

Referring to FIG. 5, in the secure payment process, as shown in FIG. 4A, the client terminal 160 selects and purchases a product to purchase by accessing a web server 140 that sells tangible and intangible products online. In operation 500, the payment request is made to process the payment process for the purchased product in a safe payment manner.

When the payment process is requested in the secure payment method as described above, the client terminal 160 executes the secure payment plug-in mounted in the client terminal 160 for secure payment processing in association with the web server 140. As shown in (b) of FIG. 4, the safety payment window 165 is output (505).

When the secure payment window 165 is output to the client terminal 160 as shown in (b) of FIG. 4, the client terminal 160 selects and / or predetermined information or data for secure payment processing through the client. In operation 510, a predetermined security payment code is generated (eg, encrypted) to be transmitted to the server 100 from the selected and / or inputted information or data.

The secure payment code transmitted from the client terminal 160 is received by the server 100 (515), the server 100 reads the received secure payment code (for example, by decrypting the secure payment code predetermined) Information or data), and it is determined whether to approve the secure payment requested by the client terminal 160 based on the read secure payment code (520).

According to a preferred embodiment of the present invention, the server 100 is included in the safety payment code through the process shown in Figure 3 and the secure payment password registered through the process as shown in Figure 3 and the client terminal 160 If the secure payment password received from the card coincides, it is desirable to approve the secure payment.

According to another exemplary embodiment of the present invention, the client terminal 160 may process the secure payment through a predetermined certificate in addition to the secure payment password (for example, when the payment amount is 300,000 won or more). The server 100 may also approve the safe payment by performing a predetermined procedure for authenticating the public certificate.

If the server 100 cannot approve the secure payment (525), the server 100 sends a predetermined secure payment error and payment impossible message to the secure payment window 165 outputted to the client terminal 160. The transmission and output is terminated (530).

On the other hand, if the server 100 approves the secure payment (535), the server 100 purchases the client in conjunction with the client terminal 160, the web server 140, and the payment agency 135 The payment processing for the product is performed in a secure payment method (540).

According to a preferred embodiment of the present invention, when the secure payment is approved, the server 100 generates a predetermined payment authentication code and transmits it to the client terminal 160, wherein the client terminal 160 transmits the payment. The authentication code is transmitted to the web server 140, and the web server 140 transmits the payment authentication code to the server 100 again through the payment agency 135. When the predetermined payment authentication code transmitted from the server 100 to the client terminal 160 is received by the server 100 through the web server 140 and the payment agency 135, the server 100 is The secure payment process is performed by comparing the payment verification code.

When the secure payment is normally performed through the above process, the server 100 determines whether predetermined salary deduction substitute information stored in association with the secure payment code is stored on the storage medium 130 (545). ).

If salary deduction substitute information associated with the secure payment code is not stored in the storage medium 130 (550), the server 100 is secured to the secure payment window 165 output to the client terminal 160 The payment approval and payment completion message (eg, a message including the payment processing through the secure payment method) is output and the safe payment process is completed (555).

On the other hand, if the salary deduction substitute information associated with the safe payment code is stored in the storage medium 130 (560), the server 100 is processed in association with the safe payment code from the storage medium 130 is stored Payroll deduction substitute information is extracted (565), and the safe payment amount is replaced with a predetermined payroll deduction using the payroll deduction replacement information, a detailed process will be described in FIG.

Figure 6 is a preferred flow diagram for the process of performing the online safety payment according to another embodiment of the present invention.

In more detail, as shown in FIG. 6, a predetermined safe payment code and payment means information corresponding to a predetermined payment means (for example, a credit card) for secure payment processing are stored on the storage medium 130 in association with FIG. 7. In addition, when the salary deductible alternative information is stored in association with the payment means information, the process for performing the online safety payment.

In the secure payment process of FIG. 6, as shown in FIG. 5, the client terminal 160 accesses a web server 140 that sells tangible and intangible goods online, and purchases a product. A payment request is initiated 600 to process the payment process in a secure payment manner.

When the payment process is requested in the secure payment method as described above, the client terminal 160 outputs a secure payment window 165 in association with the web server 140 (605), the safety through the secure payment window 165 A predetermined secure payment code for payment processing is generated and transmitted to the server 100 (610).

When the secure payment code transmitted from the client terminal 160 is received to the server 100 (615), the server 100 searches for the storage medium 130 and the payment means associated with the secure payment code Check and extract the payment means information associated with the secure payment code from the storage medium 130 (620).

When the payment means information is extracted as described above, the server 100 reads the payment means information and the secure payment code, and based on the read result, the security requested by the client terminal 160 using the payment means It is determined whether to approve the payment (625).

If the server 100 cannot approve the safe payment (630), the server 100 sends a predetermined safe payment error and a payment impossible message to the safe payment window 165 outputted to the client terminal 160. If it transmits and outputs and terminates the secure payment process (635), and conversely approves the secure payment (640), the server 100 is the client terminal 160, the web server 140, and the payment agency 135 In step 645, the payment process for the purchase price of the client is performed according to a predetermined safe payment process interworking with the client.

When the secure payment is normally performed through the above process, the server 100 determines whether predetermined salary deduction substitute information stored in association with the payment means information is stored on the storage medium 130 (650). ).

If salary deduction substitute information associated with the payment means information is not stored in the storage medium 130 (655), the server 100 is secured to the secure payment window 165 output to the client terminal 160 The payment approval and payment completion message is transmitted and output and the safety payment process is completed (660).

On the other hand, if the salary deduction substitute information associated with the payment means information is stored in the storage medium 130 (665), the server 100 is processed in association with the payment means information from the storage medium 130 is stored Payroll deduction substitute information is extracted (670), and the safe payment amount is replaced with a predetermined payroll deduction using the payroll deduction replacement information, a detailed process will be described in FIG.

Figure 8 is a preferred flow diagram for the process of replacing the security payment with payroll deduction in accordance with a preferred embodiment of the present invention.

In more detail, in FIG. 8, safety payment is performed through a series of processes such as FIGS. 5 to 6 to 10, and payroll replacement information for the client is stored from the storage medium 130. If extracted, it is for the preferred process to replace the safe payment with payroll deduction using the payroll deduction information.

Referring to FIG. 8, when payroll substitute information is extracted for the client through the same process as shown in FIGS. 5 to 6 and 10 shown later, the server 100 receives the payroll substitute information. In operation 800, it is determined whether the safe payment amount is replaced with the payroll deduction.

According to a preferred embodiment of the present invention, the server 100 reads the payment discrimination information included in the payroll deduction replacement information and pays the company the company in which the client is in service for the secured payment amount paid to the client ( Or payment), and replaces the security payment with a payroll deduction only if the company's payment result (or payment) for the client's security payment is guaranteed. It is desirable to judge.

In addition, the server 100 compares the salary deduction replacement limit amount included in the salary deduction replacement information and the salary deduction replacement amount, and only when the salary deduction replacement limit amount is greater than the salary deduction replacement amount. It is advisable to determine the safe settlement amount by substituting salary deductions.

If the server 100 does not determine to replace the security payment amount of the client with the salary deduction (805), the server 100 approves the safety payment to the safety payment window 165 output to the client terminal 160 And outputs a payment completion message and completes a secure payment process (810).

On the other hand, if the server 100 determines to replace the security payment amount of the client with a salary deduction (815), the server 100 is a security payment method such as the above-described Figures 5 to 6 to 10 shown later Read the payment details processed by the payment, and add the cumulative amount of substitution of the predetermined salary deduction to the payment history (for example, the cumulative amount of the substitution of the salary deduction accumulated before, the newly created online secure payment A payroll substitution history including the amount of the payroll deduction substitute amount of money) is generated (820).

When the payroll deduction substitute details are generated as described above, the server 100 stores the payroll deduction substitute details as described above in the storage medium 130. According to a preferred embodiment of the present invention, the payroll deduction substitute details are the client. The information and / or secure payment code and / or payment means information is preferably stored in association with (825).

Payment is processed through a secure payment method as shown in FIGS. 5 to 6 to 10 shown later, and the safe payment amount is replaced with a payroll deduction through the above-described process to replace the payroll deductible in the storage medium 130. When the details are stored, the server 100 transmits the safety payment approval and salary deduction processing message to the safety payment window 165 output to the client terminal 160 and outputs the received message 830.

According to a preferred embodiment of the present invention, the salary deduction replacement history stored in the storage medium 130 is real-time (for example, immediately after the security payment is replaced by the salary deduction) by the business partnership between the company and the server 100. Or it is preferably provided to the company terminal (or server) 155 periodically.

Therefore, the server 100 determines whether to provide a salary deduction substitute history of the client to the company terminal (or server) 155 (835).

If the server 100 determines to provide the payroll deduction of the client to the company terminal (or server) (840), the server 100 replaces the payroll deduction of the client from the storage medium 130 The details are extracted and provided to the company terminal (or server) 155 (845).

According to a preferred embodiment of the present invention, the cumulative amount of the client's salary deductible replacement included in the salary deductible replacement history of the client is periodically settled from the company terminal (or server) 155 to the server 100. desirable.

Accordingly, the server 100 checks whether the cumulative amount of the salary deduction for the client has reached a period in which the cumulative amount of the salary deduction for the client has been settled (for example, before the company pays the salary to the client). It is determined whether to be settled from the company terminal (or server) 155 (850).

If the client's terminal (or server) 155 has to settle the cumulative amount of the salary deduction of the client (855), the company terminal (or server) 155 to the server through a predetermined financial institution to the client An amount corresponding to the cumulative amount of the substitute wage deduction is settled (860).

According to a preferred embodiment of the present invention, in the case of a business alliance between the company terminal (or server) 155 and the server 100 in cooperation with the automatic transfer of the cumulative amount of the deduction of payroll deduction of the client, the server ( 100 automatically calculates and transfers the amount corresponding to the cumulative amount of the salary deduction for the client from the company account through a predetermined financial institution (865).

In addition, during the business alliance between the company terminal (or server) 155 and the server 100, the cumulative amount of salary deduction for the client is transferred from the server 100 to the company terminal (or server) 155. In the case of affiliated billing, the server 100 bills the company terminal (or server) the amount corresponding to the replacement amount of the salary deduction of the client, and performs the approval process for the predetermined billing amount in the company. To settle an amount corresponding to the salary deduction replacement amount of the client to the server (100).

When the amount corresponding to the replacement amount of the salary deduction of the client through the process is settled to the server 100, the company terminal (or server) 155 is a predetermined payment to the client from the server 100 After deducting an amount corresponding to the salary deduction replacement cumulative amount from the salary, the salary is paid to the client.

Figure 9 is a preferred example of requesting the online security payment to provide payroll deduction alternative service according to another embodiment of the present invention.

In more detail, FIG. 9 illustrates a preferred case in which the client terminal 160 accesses the web server 140, purchases a predetermined product, and requests a payment process in a secure payment method. Referring to FIG. Referring to the request method, as shown in Figure 4, the client connects to a shopping mall selling CDP through the web browser 175 provided in the client terminal 160, and purchases the CDP of Sony Corporation, the purchase price This is the case when a request is made for secure payment method.

When the client purchases the CDP through the web browser 175 as shown in (a) of FIG. 9, and selects a secure payment method from a "safe payment" method and a "bankbook payment" method, the client terminal A security payment window 165 is output to the 160 as shown in (b) of FIG. 9, and the security payment window 165 includes predetermined payment information including a product purchased by the client, an amount, and an installment period. At least one payment method for applying for a secure payment service and an interface for inputting a secure payment password are output through the process of FIG. 3, and the payment means includes credit among the secure payment methods applied through the process of FIG. 3. The payment method includes a payment method of a secure payment method using a card payment method and a payroll deduction method for replacing the secure payment with a pay deduction.

If the client selects a payment method of a secure payment method using a credit card payment method in FIG. 9 (b), the secure payment window 165 displays predetermined payment method information corresponding to the credit card payment method. It is transmitted to the server 100 in association with a code, the server 100 reads the payment means information to process the payment for the purchase price of the purchased goods of the client in a secure payment method.

On the other hand, if the client selects a payroll deduction method for replacing the secure payment with the payroll deduction in (b) of FIG. 9, the safe payment window 165 provides predetermined payment means information corresponding to the payroll deduction payment method. The server 100 transmits to the server 100 in association with a code, and the server 100 reads the payment means information, processes the purchase price for the purchased product of the client in a secure payment method, and then executes the secure payment. Replace with payroll deductions.

Figure 10 is a preferred flow diagram for the process of performing the online safety payment according to another embodiment of the present invention.

More specifically, FIG. 10 illustrates a case in which a predetermined security payment code and payment means information corresponding to a predetermined payment means (eg, a credit card) for secure payment processing are stored on the storage medium 130 as shown in FIG. In the predetermined secure payment process, when the predetermined payment means information is further included from the client terminal 160 and received by the server 100, the server 100 received from the client terminal 160. In response to the payment means information for the online security payment and / or the process of replacing the security payment with payroll deduction.

In the secure payment process of FIG. 10, as illustrated in FIGS. 5 to 6, the client terminal 160 accesses a web server 140 that sells tangible and tangible products online, and purchases the product. In operation 1000, a payment request for processing a payment process for a product in a secure payment manner is started.

When the payment process is requested in the secure payment method as described above, the client terminal 160 outputs the secure payment window 165 in association with the web server 140 (1005), the client opens the secure payment window 165 Selecting predetermined payment means information to perform a secure payment by using, and generates a predetermined secure payment code for processing the secure payment using the payment means (1010).

When the predetermined payment method information is generated through the secure payment window 165 as described above, the secure payment code is generated, the client terminal 160 transmits the payment means information and the secure payment code to the server 100. (1015).

When the payment method information and the secure payment code are received from the client terminal 160 in association with the server 100 (1020), the server 100 reads the received payment means information and the secure payment code. On the basis of the read result, it is determined whether to approve the secure payment requested by the client terminal 160 using the payment means (1025).

If the server 100 cannot approve the safe payment (1030), the server 100 sends a predetermined safe payment error and payment impossible message to the safe payment window 165 outputted to the client terminal 160. If the transmission and output and end the secure payment process (1035), and conversely approves the secure payment (1040), the server 100 is the client terminal 160, the web server 140, and the payment agency 135 In step 1045, the payment process for the purchase price of the client is performed according to a predetermined safe payment process interworking with the "

When the secure payment is normally performed through the above process, the server 100 determines whether the payment deduction payment means is included in the payment means information received from the client terminal 160, from the client terminal 160. It is determined whether the security payment is requested to be replaced by the payroll deduction (1050).

If it is not requested from the client terminal 160 to replace the security payment with payroll deduction (1055) (for example, if only the security payment including the credit card payment means is requested), the server 100 is the client terminal ( The security payment window 165 outputted at 160 transmits and outputs a predetermined safety payment error and payment impossible message and ends the safety payment process (1060).

On the other hand, if the security payment from the client terminal 160 is to be replaced with a payroll deduction (1065) (for example, if the received payment method information includes a payroll deduction means for replacing the safe payment with payroll), The server 100 determines whether predetermined salary deduction substitute information stored in association with the payment means information is stored on the storage medium 130 (1070).

If salary deduction alternative information associated with the payment means information is not stored in the storage medium 130 (1075), the server 100 is secured to the secure payment window 165 output to the client terminal 160 Sending and outputting the payment approval and payment completion message and completes the secure payment process (1060).

On the other hand, if the salary deduction substitute information associated with the payment means information is stored in the storage medium 130 (1080), the server 100 is processed in association with the payment means information from the storage medium 130 is stored Extracting the payroll deduction replacement information, and using the payroll deduction replacement information to replace the safe payment amount with a predetermined payroll deduction (1085), the detailed process has already been described in Figure 8 above.

11 is a diagram showing 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.

In more detail, Fig. 11 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 predetermined After providing the online card payment service of the financial card, the company further includes the financial company server (1100) to settle the deduction of the payroll deduction of the online card payment and settles in the salary paid to the client from the company in which the client is in service It is done by

Referring to FIG. 11, the financial institution server 1100 is managed by a company, and has a company account 1105 having a predetermined salary to be paid to the client and a client salary to which the salary paid to the client is deposited. An account 1110 and a settlement account 1115 (eg, a card company account) in which the payroll deduction amount is settled among the online card payment amount of the client are established, and the financial institution server 1100 may be at least one or more according to an implementation method. The company account 1105 and / or payroll account 1110 and / or settlement account 1115, which are opened at other financial institutions, are characterized by 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, the company pays a predetermined salary to the client (for example, the client in the company account 1105) Before the salary payment amount is deposited into the client salary account 1110), withdraw the amount corresponding to the salary deduction amount from the company account 1105, deposit the settlement amount to the settlement account 1115, and pay the remaining payment to the client. Payroll deduction method of the selected postpartum payment method that deposits to the payroll account 1110, 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 1110 Payroll deduction method of the prepayment and settlement method is provided by the payment to the settlement account (1115) It is preferred.

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 The procedure for calculating the amount corresponding to the salary deduction substitute amount through (1100), and if the card company server 100 provides and claim the salary deduction amount information information from the card company server 100 to the financial company server 1100, 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 The salary deductible replacement amount information from the financial institution server 1100 to And providing a corresponding client information and calculating the amount corresponding to the salary deduction substitute amount based on the client information in the financial institution server 1100. For this purpose, the credit card company, the company, and / or the company and the financial company. And / or a business alliance is required between at least two institutions for providing and claiming the salary deductible alternative amount between a financial company and a card company, 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 1100 in the card company server 100 (For example, if the client salary corresponds to salary or bonus salary), or provide the salary deductible amount in the card company server 100 to the company or the financial company server 1100 and for a predetermined time at the time of billing. 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 credit card company server 100 providing a substitute amount of payroll deduction in this figure 11 serves as a server 1, and receives the payroll deduction substitute amount of financial institution server ( The 1100 may be regarded as performing the role of the server 2.

FIG. 12 is a diagram illustrating a preferred process of deducting a payroll deduction substitute amount of an online card payment amount from a card company server 100 according to an exemplary embodiment of the present invention.

In more detail, in FIG. 12, in the same system as in FIG. 11, 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 may provide the replacement amount. The salary deduction is made by depositing an amount corresponding to the salary deduction amount from the salary to be paid from the company account 1105 to the salary account 1110 through the financial company server 1100 to the settlement account 1115. The selected postpartum payment method of paying a predetermined amount deducting a replacement amount to the client salary account 1110. However, this drawing 12 is only for effectively explaining the technical idea of the present invention to those skilled in the art of carrying out the present invention, and those skilled in the art to which the present invention pertains based on this drawing 12 Settlement of the payroll deduction substitute 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 1100 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 1100 to settle.

Referring to FIG. 12, after the online credit card payment processing of the payroll deduction method, the credit card company server 100 is connected to the online card payment amount to the company and / or the client by a business alliance between the credit card company and the company. After providing the information on the amount of the deduction for the payroll deduction (1200), the payment of the deduction of the payroll deduction for the online card payment amount of the client (1205).

When the payroll deduction amount is charged as described above, the company terminal (or the server) determines whether the deduction of the payroll deduction amount for the online card payment amount of the client (1210), the determination process is performed 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) (1215), the company terminal (or server) is the company opened in the financial company server (1100) Payout deduction for the client from the account (1105) by paying the deposit to the settlement account (1115) and settled (1220), the payroll deduction from the company account (1105) through the financial company server (1100) Through the process of depositing (paying) an amount deducting a replacement amount into the client salary account 1110 (1225) and providing the client with a predetermined salary payment statement including the salary deduction history information (1230). 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 12 is characterized by being recorded as a computer-executable program.

100: server 105: judgment unit
110: storage unit 115: extraction unit
120: payment processing unit 125: receiving unit
130: storage medium 135: payment agency
140: web server 145: secure payment unit
150: online commerce department 155: company terminal or server
160: client terminal 165: secure payment window
170: payment method information 175: web browser

Claims (4)

In the payment processing method executed by the server of the financial company that handles the secure payment,
Registered user information received from a user who has agreed to the terms and conditions of safe payment, registered payment information of the registered user received from the user and a payment code generated to process safe payment according to the terms and stored in a storage medium. A first step of doing;
A second step of receiving the payment code through a relay server for the secure payment during a secure payment process;
A third step of processing a dynamically generated payment authentication code to be transmitted to the user's terminal in order to authenticate the secure payment using the payment means of the user associated with the payment code;
A fourth step of receiving the payment code and a payment authentication code through the relay server; And
And a fifth step of checking the payment means information of the user associated with the payment code when the validity of the received payment verification code is verified so that the payment approval procedure of the secure payment is performed.
The payment verification code, payment processing method characterized in that it comprises a dynamically generated one time code (OTC) or one time data (OTD).
According to claim 1, The payment verification code,
And a security token dynamically generated by the server to approve the secure payment.
The method as claimed in claim 1,
And confirming a result of performing an authentication procedure using the accredited certificate of the user when the payment amount is a predetermined amount or more.
The method of claim 1,
The payment procedure includes a process of processing a portion of the payment amount to be replaced by the user's salary income,
And a sixth step of firstly calculating a part of the payment amount through the salary when the salary is paid to the payroll account of the user.

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