KR20160010042A

KR20160010042A - Method, server and computer-readable recording medium for payment using realtime account transfer, account collection

Info

Publication number: KR20160010042A
Application number: KR1020140090814A
Authority: KR
Inventors: 백건대
Original assignee: 백건대
Priority date: 2014-07-18
Filing date: 2014-07-18
Publication date: 2016-01-27

Abstract

The present invention relates to a payment method through a real-time account transfer by using an application for account transfer payment between users. The payment method includes the following steps: (a) receiving purchase request information including membership store information corresponding to a product or a service that the purchaser intends to purchase through the application installed in a user terminal of a purchaser; (b) delivering payment application information including the purchase request information of the purchaser to a user terminal for a seller and receiving the input of settlement information about the product or the service from a seller; (c) receiving the input of transaction authentication about the settlement and payment process from the purchaser; (d) requesting to transfer the amount of money corresponding to a sale price to an account of the seller from an account of the purchaser to a bank server of the account that the purchaser has opened; and (e) receiving the result of the transfer process in a bank server of the purchaser and transmitting the result of the transfer process to the user terminals.

Description

TECHNICAL FIELD [0001] The present invention relates to a payment method, a server, and a computer-readable recording medium for real-time account transfer, account collection, computer readable recording medium,

The present invention relates to a payment method, a server, and a computer-readable recording medium for performing settlement of an article or service using a real-time account transfer method, and more particularly, to a real-time account transfer method through a payment service application installed in a terminal of a buyer and a seller A server, and a computer-readable recording medium in which a mobile payment can be made more easily and in real-time by cash payment than an existing mobile payment or a bank transfer.

With the recent development of IT technology, the development of the financial industry is also required. Particularly, due to the spread of personal smart terminals and the development of online shopping, payment methods using smart terminals are widely used rather than cash settlement, credit card settlement in the field, and Internet account transfer using a PC terminal.

As a payment method using an existing smart terminal, there is a mobile phone mobile payment method and a credit card payment method using a credit card application installed in a smart phone.

However, in the case of mobile payment method or credit card payment method, it takes a period of more than one month to actually pay the sellers to sellers, and due to the high settlement fee, the seller has a great burden.

E-commerce in the Internet environment is rapidly developing at a rapid pace. The development of e-commerce is an important factor in the competitiveness of small and medium-sized enterprises (SMEs) that must minimize financial costs, such as the reduction of commissions on payment services (2% to 4.5% do.

On the other hand, the method of payment through account transfer through bank account connection is that the buyer must go to the bank for remittance and transfer, or access the bank through complicated personal authentication, and transfer the account. It is possible that wrong accounts may be misrepresented and problems may arise in transferring wrong amounts. In addition, there was a problem that, in order to confirm whether or not an account was normally entered in the seller's position, the seller had to perform a complicated authentication process again to check his bank account.

It is an object of the present invention to solve all the problems described above.

In addition, the present invention aims at facilitating e-commerce by streamlining the procedure of a lot of steps for a buyer or a seller to request a bank for transfer processing.

In addition, the present invention aims at allowing a counterpart to proceed with settlement of a certain transaction without limitation of amount, time and place that can be directly transferred together with the purchasing act of the person, and the settlement amount can be immediately transmitted from the counterpart .

In addition, the present invention aims at enabling a customer to perform settlement at any time within the range of the balance of his / her own bank account, and to enable a business partner to save money on fast turnover and a fee.

In order to accomplish the above object, a representative structure of the present invention is as follows.

According to an aspect of the present invention, a settlement method using a real-time account transfer through an application for settlement of account transfer between users comprises the steps of: (a) responding to a goods or service a buyer wants to purchase through the application installed in a user terminal of the buyer (B) receiving, by the payment server, payment application information including the purchasing request information of the purchaser through the application installed in the seller's user terminal, to the seller terminal And receiving payment information for a goods or service from the seller, (c) accepting payment transaction processing from the buyer based on the payment information for payment of the goods or service delivered to the user terminal of the purchaser (D) receiving the payment Using the payment information and the transaction approval information received from the user terminals, to request the bank server of the bank account established by the buyer to transfer the amount corresponding to the sale amount from the account of the buyer to the account of the seller (E) receiving a result of the remittance process at the bank server of the purchaser, and transmitting the remittance processing result to the user terminals.

According to another aspect of the present invention, a payment server for providing a settlement service through real-time account transfer through an application for settlement of account transfer between users comprises: A purchase request processing unit for receiving information on a purchase request including information of an affiliated store corresponding to the purchaser's request information including the purchase request information of the shopper through the application installed in the seller's user terminal, A payment application processing unit for delivering information and inputting payment information for the goods or services from the seller, a settlement processing unit for receiving payment information from the buyer based on the payment information for payment of the goods or service delivered to the user terminal of the purchaser A transaction approval processing unit for inputting a transaction approval for a transaction and a payment information and transaction approval information received from the user terminals to open an account of the buyer to transfer money from the account of the buyer to the account of the seller using the payment information and transaction approval information And a bank transfer processing unit for requesting a bank account of a bank account, receiving a result of the remittance processing at the bank server of the purchaser, and transmitting the remittance processing result to the user terminals.

In addition to this, another method for implementing the present invention and a computer-readable recording medium for executing the method are further provided.

According to the settlement method using the real-time account transfer according to the present invention, it is possible to save the commission in the settlement process, thereby saving the financial cost of the SME and increasing the competitiveness.

Further, according to the present invention, a buyer can pay a money through a real-time account transfer without visiting a bank for remittance and for now, or using the Internet banking.

Further, according to the present invention, the purchaser can perform purchasing actions within the balance range of his or her own account, so that it is possible to prevent irrelevant purchasing behavior, and the seller can obtain a quick fund turning power and can save the payment commission .

Further, according to the present invention, when a refund due to a defect or return is made, the customer can deposit money in the account immediately, thereby reducing the stable transaction and financial damage of the customer.

1 is a flowchart illustrating a settlement method using a real-time account transfer according to the present invention.
2 and 3 are conceptual diagrams illustrating a flow of a settlement service according to the present invention.
FIG. 4 shows an example of a payment service using the present invention.
5 is a configuration diagram showing a configuration of a payment server according to the present invention.

The following detailed description of the invention refers to the accompanying drawings, which illustrate, by way of illustration, specific embodiments in which the invention may be practiced. These embodiments are described in sufficient detail to enable those skilled in the art to practice the invention. It should be understood that the various embodiments of the present invention are different, but need not be mutually exclusive. For example, certain features, structures, and characteristics described herein may be implemented in other embodiments without departing from the spirit and scope of the invention in connection with an embodiment. It is also to be understood that the position or arrangement of the individual components within each disclosed embodiment may be varied without departing from the spirit and scope of the invention. The following detailed description is, therefore, not to be taken in a limiting sense, and the scope of the present invention is to be limited only by the appended claims, along with the full scope of equivalents to which such claims are entitled, if properly explained. In the drawings, like reference numerals refer to the same or similar functions throughout the several views.

Hereinafter, preferred embodiments of the present invention will be described in detail with reference to the accompanying drawings, so that those skilled in the art can easily carry out the present invention.

1 is a flowchart illustrating a settlement method using a real-time account transfer according to the present invention.

Referring to FIG. 1, the payment method according to the present invention first installs an application for user account settlement in a user terminal (S01), and registers the user's personal information and bank account information (S02). The payment server managing the payment service according to the present invention receives and stores information required for the user information bank account and account transfer entered along with the application for membership of the user through the application installed on the user terminal or the payment service website.

Then, the payment server requests the bank server corresponding to the user's bank account to transfer the necessary information to the bank account and account transfer of the user, and requests permission to request transfer of money on behalf of the user (S03). Then, the bank will be authorized to transfer money on behalf of the user.

Then, if the buyer wants to purchase the goods or services from the merchant's or affiliate web site and uses the payment service according to the present invention, the buyer can install the application (application for providing the service according to the present invention) Selects the purchase request menu, and searches and selects the information of the affiliated shop corresponding to the goods or services the buyer wants to purchase (S04). Then, the information is transmitted to the payment server, and the payment server delivers the payment application information including the buyer's purchase request information to the seller's user terminal. Then, the seller inputs the payment information such as the payment amount and the bank information to be remitted based on the payment application information displayed on the terminal (S05).

Based on the payment information, the seller terminal generates and displays a QR code, and the purchaser scans the QR code displayed on the seller terminal through the camera function of the terminal to check whether the seller information selected by the seller is correct, The payment processing approval is made and the payment processing approval information is transmitted to the payment server (S06). This QR code can be used only for a predetermined time from the time of generation such as the OTP password, and can not be used for authentication after that time. The creation of the QR code and the authentication method of the person are described in detail below.

Meanwhile, when the buyer terminal transmits the payment payment processing approval to the payment server together with the user authentication key stored in the user terminal (S07), the payment server authenticates the purchaser by using the authentication key of the purchaser, The bank account information is decrypted (S08).

The payment server authenticates the purchaser by using the payment information and the transaction approval information received from the user terminal and transmits the transaction approval information and the seller's bank account information to the bank server of the bank account established by the purchaser, (S09) to the buyer's bank server so as to transfer the amount of money to the buyer's account from the buyer's account. If the bank server does not require separate transaction approval information in step S03 and grants the account transfer authorization to the payment server, the payment server may transmit only the buyer bank account information, the remittance amount, and the seller's bank account information.

Then, when the bank server transfers the corresponding amount from the buyer's account to the bank account of the seller's opened bank, the payment server transmits the result to the payment server, and the payment server transmits the transfer processing result to the user terminals (S10) .

2 and 3 are conceptual diagrams illustrating a flow of a settlement service according to the present invention.

FIG. 2 shows a settlement service using a real-time account transfer according to the present invention between a seller and a purchaser that can be used offline, and FIG. 3 shows a settlement service that can be used on-line.

Referring first to FIG. 2, the buyer and the seller first open their respective bank accounts in the respective banks. This bank account can be created separately for this payment service, but it would be better to use the existing bank account.

The user then installs an application for using the payment service in his / her terminal and becomes a member. At the time of membership registration, the user also inputs bank account information, which is encrypted and stored in the payment server. When a purchaser purchases a product or service from a merchant (seller), the payment method according to the present invention is told to the seller, and the purchaser searches for a merchant (seller) . This information is transmitted to the terminal of the merchant (seller) through the payment server, the payment application contents are displayed on the terminal through the application, and the seller enters the payment information by inputting the price of goods or service. If the merchant has multiple account information, you can select and enter the account you want to transfer. The application of the seller terminal generates a QR code using the payment information including the buyer information, the seller information, and the goods or service payment price, and displays it on the seller terminal. On the other hand, in addition to the above user and payment information, the QR code may be generated including a digital signature and OTP information for authentication. Then, the purchaser scans the QR code displayed on the seller terminal to his terminal, reads the QR code, confirms whether the purchase request information requested by the buyer is correct, and makes a request for payment settlement processing. That is, the QR information includes the buyer's own information such as the authentication key of the purchaser, which is transmitted to the seller through the payment server when the purchaser selects the merchant for the first time, and reads the QR code. It is possible to confirm whether the QR code is normal information and purchase information of the purchaser himself or herself.

In addition, the QR code information is transmitted to the payment server when the buyer makes a payment processing request to the payment server, so that the buyer and the seller can be authenticated. On the other hand, when approval for the payment processing from the purchaser goes to the payment server, a certificate password proving the buyer's identity may be transmitted to the payment server together with authentication of the buyer's identity based on the certificate password. This certificate password is stored in the terminal of the purchaser at the time of membership registration or terminal replacement.

When the payment server receives the payment processing request from the purchaser terminal, the payment server requests transfer processing to the buyer's bank (A bank) so as to transfer the amount of money from the buyer's account to the account of the seller (B bank account). Upon completion of the transfer processing, the A bank transfers the result to the payment server, and the information is transferred to the buyer and the seller terminal to complete the settlement.

The flow chart of FIG. 3 is substantially the same as that of FIG. 2 and uses a method of transmitting QR information generated at a seller terminal to a buyer's terminal through a payment server without directly displaying the QR information at a terminal because the transaction is on-line or the like. The purchaser reads the QR code transmitted to his / her terminal, confirms whether the payment application is the applicant's application, and requests the settlement processing to the payment server.

FIG. 4 shows an example of a payment service using the present invention.

Referring to FIG. 4, when a purchaser wants to use the payment service according to the present invention, the purchaser checks the name of the merchant through the application and confirms whether the area and the contact are the seller merchant. Then, the seller terminal confirms the purchaser (payment requester), inputs payment information such as a product or service item, amount, mobile phone information, and makes a payment request. Then, the application of the terminal generates the secure QR code using such information or the like. This secure QR code can include OTP functionality, which can only be activated within a specified time or used for authentication. The purchaser reads the security QR code transmitted through the payment server or scanned through his / her terminal, confirms payment contents, makes a payment processing request to the payment server, and the payment is completed when the money transfer is completed through the payment server.

In another embodiment of the present invention, a settlement method through account collection is presented unlike the settlement method using real-time account transfer described in the embodiment of FIG.

In the method of payment collection through account collection according to another embodiment of the present invention, a payment server receives and stores information necessary for the user's bank account and account transfer from the user through the application, and stores the user's bank account and account collection To the bank server corresponding to the user's bank account and requests permission from the bank server to request approval of the transfer through account collection on behalf of the user. Then, the payment server performs a process of accepting the account collection authority on behalf of the user from the bank server.

Then, the purchaser inputs information on the purchase request including the information of the merchant corresponding to the goods or services the buyer wants to purchase through the application installed in the user terminal of the purchaser.

Then, the payment server delivers the payment application information including the buyer's purchase request information to the seller terminal through the application installed in the seller's user terminal. Then, the seller inputs payment information for the goods or services through the seller's terminal.

Then, the purchaser receives the information about the payment information generated at the seller terminal using the purchaser's terminal and inputs a transaction approval for the payment transaction based on the payment information for the goods or service settlement.

At this time, if an OR code using payment information including a buyer, a seller, and a goods or service payment price is generated and displayed on the seller terminal in the application of the seller terminal, the buyer scans and inputs a QR code through his camera module , Reads out the scanned QR code and displays payment information for goods or service settlement on the buyer terminal, and the buyer confirms whether the seller information or the payment amount is correct, and then approves the payment payment processing.

In addition, an OR code using payment information including a buyer, a seller, and payment information for goods or services is generated in the application of the seller terminal, and the payment server is delivered. The payment server transfers the OR code to the purchaser's terminal, The received QR code is read out and the payment information for payment of the goods or service is displayed on the buyer's terminal, and the purchaser can confirm whether the seller information or the payment amount is correct, and then approve the payment processing.

Then, the payment server makes a request to the bank server of the seller so that the amount corresponding to the sales proceeds can be transferred from the account of the purchaser through collection using the payment information and the transaction approval information received from the user terminals.

If the payment amount is collected from the seller's bank server to the buyer's bank server from the buyer's account to the seller's account, the corresponding amount is transferred from the buyer's account to the seller's account. After that, To the payment server, and the payment server transmits the result of the transfer process to the user terminals.

5 is a configuration diagram showing a configuration of a payment server according to the present invention.

5, a payment server 50 for managing a payment service through real-time account transfer according to the present invention includes a user information storage unit 51, a transfer authority management unit 52, a purchase request processing unit 53, Processing unit 54, a transaction approval processing unit 55, and a money transfer processing unit 56. [

The user information storage unit 51 receives and stores information necessary for a user's bank account and account transfer through an application installed in the user terminal from a user.

The transfer right management unit 52 transfers the information required for the user's bank account and account transfer to the bank server corresponding to the user's bank account, requests permission from the bank server to request the account transfer approval on behalf of the user, It handles the function of accepting account transfer authorization from the server on behalf of the user.

The purchase request processing unit 53 receives information on a purchase request including information of an affiliated store corresponding to a goods or service the buyer wants to purchase through an application installed in the buyer's user terminal.

The transfer application processing unit 54 transfers the payment application information including the purchase request information of the purchaser to the seller terminal through the application installed in the seller's user terminal in the payment server and receives the payment information for the goods or service from the seller do.

The transaction approval processing unit 55 receives a transaction approval for the payment making process from the buyer based on the payment information for the goods or service payment delivered to the user terminal of the buyer. The transaction approval processing unit 55 causes the seller terminal to display the QR code generated using the payment information including the buyer, the seller, and the goods or service payment through the application of the seller terminal, Reads out the QR code inputted through the camera module of the camera module and instructs the buyer terminal to display the payment information for goods or service settlement and receives the approval for the payment transaction from the buyer. In another embodiment, the transaction approval processing unit 55 receives the QR code generated using the payment information including the buyer, the seller, and the goods or service payment amount in the application of the seller terminal, and transmits the received QR code to the buyer's terminal And instructs the buyer terminal to display the payment information for payment of the goods or service, and receives the approval for the payment payment process from the purchaser. The transaction approval processing unit 55 receives the certificate password for certifying the buyer's identity together with the approval for the payment processing from the buyer, and can perform the identity verification of the buyer based on the certificate password. At this time, the QR code is generated including at least one of the user's authentication key, digital signature, and OTP, and the transaction approval processing unit 55 can read the QR code and perform the identity authentication. The transaction approval processing unit 55 may also receive the authentication key stored in the user terminal and perform the buyer authentication when receiving the approval input for the payment payment processing from the purchaser.

The account transfer processing unit 56 requests the bank server of the bank account established by the buyer to transfer the amount corresponding to the sales amount from the account of the buyer to the account of the seller using the payment information and the transaction approval information received from the user terminals And receives the result of the remittance process from the bank server of the purchaser and transmits the result of the remittance process to the user terminals. On the other hand, the account transfer processing unit 56 decrypts the buyer's bank account information using the purchaser's authentication key to protect the personal information.

According to the present invention, a purchaser can perform a purchasing operation within a balance range of his or her own account, so that it is possible to prevent irrelevant purchasing behavior, and the seller can obtain a quick fund turning power and save a payment commission.

In addition, although there is a problem that the refund is troublesome when a refund occurs in the payment method through the transfer of money through the existing Internet banking, the present invention can deposit the money in the account immediately when a refund due to defective or returned goods occurs Which can reduce the customers' stable transactions and monetary damages.

The embodiments of the present invention described above can be implemented in the form of program instructions that can be executed through various computer components and recorded on a computer-readable recording medium. The computer-readable recording medium may include program commands, data files, data structures, and the like, either singly or in combination. The program instructions recorded on the computer readable recording medium may be stored in a computer-

Or may be those recommended for use by those skilled in the computer software arts. Examples of computer-readable recording media include magnetic media such as hard disks, floppy disks and magnetic tape, optical recording media such as CD-ROMs and DVDs, magneto- optical media such as floptical disks, optical media), and hardware devices specifically configured to store and execute program instructions such as ROM, RAM, flash memory, and the like. Examples of program instructions include machine language code such as those generated by a compiler, as well as high-level language code that can be executed by a computer using an interpreter or the like. The hardware device may be configured to operate as one or more software modules for performing the processing according to the present invention, and vice versa.

While the present invention has been particularly shown and described with reference to exemplary embodiments thereof, it is to be understood that the invention is not limited to the disclosed exemplary embodiments, but, on the contrary, Those skilled in the art will appreciate that various modifications, additions and substitutions are possible, without departing from the scope and spirit of the invention as disclosed in the accompanying claims.

Therefore, the spirit of the present invention should not be construed as being limited to the above-described embodiments, and all of the equivalents or equivalents of the claims, as well as the following claims, I will say.

Claims

A method for settlement through real-time account transfer through an application for account settlement between users,
(a) receiving information on a purchase request including information of an affiliate shop corresponding to a product or service the buyer intends to purchase through the application installed in the user terminal of the purchaser;
(b) transmitting payment application information including purchase requester information of the purchaser to the seller terminal through the application installed in the seller's user terminal in the payment server, and receiving payment information for the goods or services from the seller;
(c) receiving a transaction approval for payment payment processing from the purchaser based on the payment information for payment of the goods or service delivered to the user terminal of the purchaser;
(d) the payment server transmits the amount corresponding to the sales amount from the account of the buyer to the account of the seller using the payment information and transaction approval information received from the user terminals, To a bank server of the bank;
(e) receiving the result of the remittance processing at the bank server of the purchaser and transmitting the remittance processing result to the user terminals;
Wherein the payment method comprises the steps of:

The method according to claim 1,
The step (c)
(c-1) generating a QR code using payment information including the buyer, the seller, and the goods or service payment amount in the application of the seller terminal, and displaying the generated QR code to the seller terminal;
(c-2) reading the QR code input through the camera module of the buyer terminal and displaying payment information for goods or service settlement to the buyer terminal; And
(c-3) receiving an approval for the payment processing from the purchaser;
Wherein the payment method comprises the steps of:

The method according to claim 1,
The step (c)
(c-4) generating a QR code using payment information including the buyer, the seller, and the goods or service payment amount in the application of the seller terminal, and transmitting the generated QR code to the payment server;
(c-5) reading the QR code received from the payment server and displaying payment information for goods or service settlement to the buyer terminal; And
(c-6) receiving approval for payment payment processing from the purchaser;
Wherein the payment method comprises the steps of:

The method according to claim 1,
The method comprises:
Receiving from the user information necessary for a user's bank account and account transfer through the application; And
The payment server transmits information necessary for the bank account and account transfer of the user to a bank server corresponding to the bank account of the user and requests permission from the bank server to request account transfer on the user's behalf step; And
The payment server accepting a transfer permission from the bank server on behalf of the user;
Further comprising the steps of:

The method according to claim 1,
The step (c)
(c-7) receiving together with the approval of the payment processing from the purchaser together with a certificate password certifying the purchaser's identity; And
(c-8) performing authentication of the purchaser based on the certificate password;
Wherein the payment method comprises the steps of:

The method according to claim 2 or 3,
The QR code is generated including at least one of a user's authentication key, an electronic signature, and an OTP,
And the payment server reads the QR code and performs authentication of the user.

6. The method of claim 5,
The step (c-7)
And when receiving an approval input for the payment payment process from the purchaser, receiving the authentication key stored in the user terminal together.

8. The method of claim 7,
The step (d)
And the payment server decrypts the bank account information of the purchaser using the authentication key of the purchaser.

The method according to claim 6,
Wherein the QR code is normally used only for a predetermined time after the QR code is generated.

Claims [1] A method of settlement through account collection through an application for account collection settlement between users,
(a) transmitting payment application information including purchase request information of a purchaser to the seller terminal through the application installed in a seller's user terminal at a payment server, and receiving payment information for goods or services from the seller;
(b) receiving a transaction approval for payment payment processing from the purchaser based on the payment information for payment of the goods or service delivered to the user terminal of the purchaser;
(c) using the payment information and the transaction approval information received from the user terminals, the payment server makes a request to the bank server of the seller so that the amount corresponding to the sales proceeds can be transferred from the account of the purchaser through collection step;
(d) receiving the result of the collection processing at the seller's bank server and transmitting the result of the transfer processing to the user terminals;
The method comprising the steps of:

11. The method of claim 10,
The payment method may further include, before the step (a)
Receiving information on a purchase request including information of an affiliated store corresponding to a product or service the buyer intends to purchase through the application installed in the user terminal of the purchaser; To
Further comprising the steps of:

11. The method of claim 10,
The step (b)
(b-1) generating a QR code using payment information including the buyer, the seller, and the payment for goods or services in the application of the seller terminal, and displaying the generated QR code to the seller terminal;
(b-2) reading the QR code inputted through the camera module of the buyer terminal and displaying payment information for goods or service settlement to the buyer terminal; And
(b-3) receiving approval for payment payment processing from the purchaser;
The method comprising the steps of:

11. The method of claim 10,
The step (b)
(b-4) generating a QR code using payment information including the buyer, the seller, and the goods or service payment amount in the application of the seller terminal, and transmitting the generated QR code to the payment server;
(b-5) reading the QR code received from the payment server and displaying payment information for goods or service settlement to the buyer terminal; And
(b-6) receiving an approval for the payment processing from the purchaser;
The method comprising the steps of:

11. The method of claim 10,
The method comprises:
Receiving from the user information necessary for a user's bank account and account transfer through the application; And
The payment server transmits to the bank server corresponding to the bank account of the user the information necessary for collecting the bank account and the account of the user, and an authority to request transfer approval on the behalf of the user from the bank server ; And
The payment server accepting an account collection right on behalf of the user from the bank server;
Further comprising the steps of:

A payment server for providing a settlement service through real-time account transfer through an application for settlement of accounts between users, comprising:
A purchase request processing unit for receiving information on a purchase request including information of an affiliate shop corresponding to a product or service the buyer intends to purchase through the application installed in the buyer's user terminal;
A payment application processing unit for transferring payment application information including the purchase request information of the purchaser to the seller terminal through the application installed in the seller's user terminal in the payment server and receiving payment information for goods or services from the seller;
A transaction approval processing unit for receiving a transaction approval for a payment making process from the buyer based on the payment information for payment of the goods or service delivered to the user terminal of the buyer; And
Using the payment information and the transaction approval information received from the user terminals, to the bank server of the bank account established by the buyer so as to remit the amount corresponding to the payout from the account of the buyer to the account of the seller, A bank transfer processing unit for receiving the result of the remittance processing at the bank server of the purchaser and transmitting the remittance processing result to the user terminals;
The payment server comprising:

16. The method of claim 15,
The transaction approval processing unit,
And displaying the QR code generated by using the payment information including the buyer, the seller, and the payment amount of the goods or service through the application of the seller terminal to the seller terminal,
Reads out the QR code inputted through the camera module of the buyer terminal through the application of the buyer terminal and instructs the buyer terminal to display payment information for goods or service settlement,
And receives an approval for the payment processing from the purchaser.

16. The method of claim 15,
The transaction approval processing unit,
Receiving the QR code generated by using the payment information including the buyer, the seller, and the goods or service payment amount in the application of the seller terminal,
Transmits the received QR code to the purchaser's terminal, and instructs the buyer terminal to display payment information for payment of goods or services,
And receives an approval for the payment processing from the purchaser.

16. The method of claim 15,
The payment server,
A user information storage unit for receiving and storing information necessary for a user's bank account and account transfer from the user through the application; And
Transfers the information necessary for the bank account and account transfer of the user to a bank server corresponding to the bank account of the user and requests permission from the bank server to request account transfer approval on behalf of the user, A transfer right management unit for processing a function of accepting the account transfer right on behalf of the user;
Further comprising a payment server.

16. The method of claim 15,
The transaction approval processing unit,
Wherein the payment server receives approval of the payment processing from the purchaser together with a certificate password for certifying the purchaser's identity, and performs authentication of the buyer based on the certificate password.

18. The method according to claim 16 or 17,
The QR code is generated including at least one of a user's authentication key, an electronic signature, and an OTP,
Wherein the transaction approval processing unit reads the QR code and performs authentication of the user.

20. The method of claim 19,
The transaction approval processing unit,
And receives an authentication key stored in the user terminal when receiving an approval input for the payment processing from the purchaser.

22. The method of claim 21,
The account transfer processing unit,
And decrypts the bank account information of the purchaser using the authentication key of the purchaser.

21. The method of claim 20,
Wherein the QR code is normally used only for a predetermined time after being generated.

15. A computer program for managing and providing services according to the method of any one of claims 1 to 14.