KR20190118903A - Method, affiliation server, giro server and application for performing payment based on giro process - Google Patents

Abstract

The present invention relates to a method of allowing a giro server to perform a payment based on a giro process. A method for performing a payment based on a giro process comprises: a step (a) of receiving an electronic notice including an electronic payment number generated for each item or service purchase payment requested from a user terminal from an affiliation server; a step (b) of transmitting the electronic notice to the user terminal; and a step (c) of receiving a payment request for the electronic notice from the user terminal. It is possible to ensure convenience and security.

Description

METHOOD, AFFILIATION SERVER, GIRO SERVER AND APPLICATION FOR PERFORMING PAYMENT BASED ON GIRO PROCESS}

The present invention relates to a method for performing payments based on a Giro process, an affiliated store server, a Giro server, and an application. More specifically, an affiliated store server and a Jiro server for extending payment using a Giro process to an electronic commerce area. And application.

With the development of communication services, payment services such as electronic commerce or financial transactions using wired / wireless communication networks are rapidly increasing.

In general, in an electronic commerce through the Internet, when a user purchases goods or services in an internet shopping mall and inputs payment information such as a credit card, the shopping mall server sends the information to a payment agency server to request approval of the transaction. The payment agency server requests the approval of the transaction from the credit card company's authorization server according to the transmitted payment information, makes a payment according to the approval result received from the approval server, and notifies the shopping mall server of the result.

However, there is a problem that the card fee is high, and the account transfer requires a certificate, such as the hassle in payment. On the other hand, Giro payments have the advantage of lower fees than card payments or bank transfers. In addition, in the past, giro storage was made through direct bank counters, but in recent years, the development of communication technology has made it possible to pay giro through not only the internet but also mobile. have.

Therefore, although payment is still used only for payment of utility bills, there is a need to satisfy these user's needs by allowing them to pay various charges incurred in e-commerce.

The present invention is to solve the above problems of the prior art, to provide a method for performing a payment based on the Jiro process, merchant server, a Jiro server and applications to secure the convenience and security of the payment It is done.

The objects of the present invention are not limited to the above-mentioned objects, and other objects that are not mentioned will be clearly understood from the following description.

According to an embodiment of the present invention for achieving the above object, as a method for the Giro server to perform the payment based on the Jiro process, (a) for the payment of goods or services purchased from the user terminal Receiving an electronic notification including the electronic payment number generated for each merchant from the merchant server; (b) transmitting the electronic notice to a user terminal; And (c) receiving a payment request for the electronic notice from the user terminal.

Before the step (a), it is possible to assign a branch number to the merchant server.

After the step (a), it may further comprise the step of performing the verification for the electronic notification, the electronic payment number is assigned, and performing encryption using an asymmetric key pair for the verified electronic notification.

After the step (c), it may further comprise the step of performing the settlement of funds between financial institutions and transmitting the deposit instruction to the merchant account to the financial institution server.

According to another embodiment of the present invention for achieving the above object, as a server to perform a payment based on the Jiro process, an electronic payment number generated for each item or service purchase payment requested from the user terminal An electronic notification transmission unit for receiving the electronic notification including the notification from the merchant server to the user terminal; And a processor which performs a settlement of funds between financial institutions according to the difference settlement process, transmits a deposit instruction to a merchant account to a financial institution server, and transmits the settlement result of the settlement to a financial institution server and the Bank of Korea. .

The branch server may further include a branch number generation unit for assigning branch numbers to the affiliated server.

The electronic notification transmitter may encrypt the electronic notification case using an asymmetric key pair before transmitting the electronic notification case to a user terminal.

According to another embodiment of the present invention for achieving the above object, a merchant server that supports payment based on the Giro process, receives a payment request for the purchase of goods or services from the user terminal, and as a payment method to the user An electronic payment number generation unit for assigning an electronic payment number for each payment request based on the unique Jiro number of the affiliated server when the payment method is selected by the branch; And a merchant server including a processing result receiving unit for receiving a payment processing result for the electronic notification including the electronic payment number from an external server.

According to another embodiment of the present invention for achieving the above object, as an application coupled to the user terminal, to support the payment of Jiro, (a) to send the purchase request for goods or services to the merchant server and to the Jiro payment method Selecting a payment; (b) receiving, from the branch server, an electronic notice including an electronic payment number generated by the affiliate server based on the branch number of the affiliate server; And (c) is stored in the user terminal to execute the step of transmitting the payment request for the electronic notice to the Jiro server, a Jiro payment application is provided.

According to an embodiment of the present invention, the convenience of the payment can be secured by allowing the user to easily pay using an application provided by a Jiro server during electronic commerce. In addition, according to one embodiment, by verifying the notification notice at the time of electronic notification to confirm the validity of the transaction and encrypting the transaction information, it is possible to secure the payment security. The effects of the present invention are not limited to the above-described effects, but should be understood to include all the effects deduced from the configuration of the invention described in the detailed description or claims of the present invention.

1 is a view schematically showing the configuration of an entire system according to an embodiment of the present invention.
2 is a diagram illustrating a configuration of a user terminal according to an exemplary embodiment of the present invention.
3 is a diagram illustrating a configuration of an affiliated store server according to an exemplary embodiment of the present invention.
4 is a diagram illustrating a configuration of a branch server according to an embodiment of the present invention.
5 is a diagram illustrating a payment process using a giro according to an embodiment of the present invention.

DETAILED DESCRIPTION The following detailed description of the invention refers to the accompanying drawings that show, 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 shapes, structures, and characteristics described herein may be embodied in other embodiments without departing from the spirit and scope of the invention with respect to one embodiment. In addition, it is to be understood that the location or arrangement of individual components within each disclosed embodiment may be changed without departing from the spirit and scope of the invention. The following detailed description, therefore, is not to be taken in a limiting sense, and the scope of the present invention, if properly described, is defined only by the appended claims, along with the full range of equivalents to which such claims are entitled. Like reference numerals in the drawings refer to the same or similar functions throughout the several aspects.

DETAILED DESCRIPTION Hereinafter, exemplary 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 implement the present invention.

[Preferred Embodiments of the Invention]

Configuration of the entire system

1 is a view showing the configuration of an entire system according to an embodiment of the present invention.

Referring to FIG. 1, the entire system of the present invention may include a user terminal 100, a merchant server 200, a branch server 300, and a financial company server 400 capable of communicating through a communication network.

The communication network 100 according to an embodiment of the present invention may be configured without regard to communication modes such as wired and wireless, for example, a local area network (LAN), a metropolitan area network (MAN: Metropolitan Area). It can be implemented in a variety of communication networks, such as a network, a wide area network (WAN). Preferably, the communication network 100 according to an embodiment of the present invention may be a known World Wide Web (WWW).

The user terminal 100 according to an exemplary embodiment of the present invention receives a predetermined command from a user and drives a corresponding operation, and may be a digital device including a wired / wireless communication function or another function. For example, a tablet PC, a smartphone, a personal computer (for example, a laptop computer, etc.), a smart TV, a mobile phone, a navigation device, a web pad, a PDA, a workstation, etc., have memory means and are equipped with a microprocessor for computing power. It may be a concept that includes all equipped digital devices.

Meanwhile, the branch server 300 according to an exemplary embodiment of the present invention may communicate with the user terminal 100, the affiliated store server 200, and the financial company server 400 through a communication network. In addition, the user terminal 100 may display a web page provided by the Jiro server 300 through a web browser or may download and install an application provided by the Jiro server 300. Through this, the user may use the Jiro process of the present invention. Based on the payment method can be performed. However, the payment service providing method of Jiro server 300 is not limited to these methods and may be changed.

The financial company server 400 according to an embodiment may include a server of a predetermined financial company capable of performing a payment such as a bank server or a card company server.

According to an embodiment, the first terminal 110 and the second application 140 may be installed in the user terminal 100.

The first application 110 is an application for a payment request provided by the affiliate server 200, and may provide various services related to input of information for payment and selection of a payment method.

The second application 140 is an application for confirming payment provided by the server 300, and may provide a service for a user to receive an electronic notice, check the details of the electronic notice, and request a payment.

The first application 110 and the second application 140 may be program modules that can communicate with external devices. Such a program module may be included in the user terminal 100 or another device that can communicate with it in the form of an operating system, an application module, and other program modules, and may be physically stored on various known storage devices. On the other hand, such program modules include, but are not limited to, routines, subroutines, programs, objects, components, data structures, etc. that perform particular tasks or execute particular abstract data types, described below, in accordance with the present invention.

The first application 110 and the second application 140 may be connected to each other to provide a service, and the user terminal 100 may use one of the first application 110 and the second application 140. You can call and run other applications. In addition, the user terminal 100 may execute the first application 110 and the second application 140 at the same time, in which case, one of the first application 110 and the second application 140 may be activated. have.

In addition, the first application 110 and the second application 140 may be distributed as a separate application and installed in the user terminal 100, respectively, and distributed as one application so that the functions of each application may be used as one application. It may be implemented through.

When the application is distributed, the application management server (not shown) may provide an application store capable of distributing various applications, and the merchant server 200 may store the first application (not shown) in the application store provided by the application management server (not shown). 110 may be registered, or the Jiro server 300 may register the second application 140, and the Jiro server 300 registers an application integrating the first application 110 and the second application 140. You may. The user terminal 100 may download the registered application through the application store and install it in the memory of the user terminal 100. For example, if the operating system of the user terminal 100 is Android, the application management server (not shown) may be a Google server, the operator operating the Jiro server 300, the second application 140 in the Android market When registering, the user terminal 100 may download the second application 140 registered in the Android market and install it in the user terminal 100 memory.

Hereinafter, a process performed through the first application 110 and the second application 140 installed in the user terminal 100 will be described. However, even without the first application 110 or the second application 140, a web page may be used. Alternatively, the user terminal 100 may perform all processes by itself.

Hereinafter, the configuration and operation of the user terminal 100 according to an embodiment of the present invention will be described.

User terminal

2 is a block diagram illustrating a configuration of a user terminal 100 according to an embodiment of the present invention.

Hereinafter, the configuration and operation of the user terminal 100 will be described with reference to FIG. 2.

2, a user terminal 100 according to an embodiment may include a first application 110, a second application 140, a controller 170, and a communicator 180.

In addition, according to an exemplary embodiment, the first application 110 implemented in the user terminal 100 includes a payment information input unit 120 and a payment method selection unit 130, and the second application 140 may be electronic. The notice receiving unit 150 and the payment requesting unit 160 may be included.

According to an embodiment of the present invention, the payment information input unit 120, payment method selection unit 130, electronic notification receiver 150, payment request unit 160 is a program module or hardware that can communicate with the external device Can be. Such a program module or hardware may be included in the user terminal 100 or another device that can communicate with it in the form of an operating system, an application module, and other program modules, and may be physically stored on various known storage devices. . Meanwhile, such program modules or hardware may include, but are not limited to, routines, subroutines, programs, objects, components, data structures, etc. that perform particular tasks or execute particular abstract data types described below in accordance with the present invention.

In the present specification, the payment information input unit 120, the payment method selection unit 130, the electronic notification receiving unit 150, and the payment request unit 160 are divided into the first application 110 and the second application 140 for convenience of description. Although described as operating, the same application is coupled and installed in the user terminal 100 to perform the payment information input unit 120, payment method selection unit 130, electronic notification receiving unit 150, payment request unit 160 You can do it.

According to an embodiment of the present invention, the payment information input unit 120 may provide a predetermined interface through which a user may input payment details.

For example, a web page for selecting an item of a product or a service and a purchase quantity may be provided from the affiliate server 200, and when a payment for a specific item is input by a user's operation, a payment amount and a payment request The time and the like may be stored in the memory unit of the first application 110 as the payment request contents.

In addition, the payment information input unit 120 may receive user information. For example, the user information may include a mobile phone number of the user, a payment means (for example, a card number, an account number, etc.), an address, and the like.

On the other hand, according to an embodiment, if the content input to the payment information input unit 120 is already stored in the memory of the affiliate server 200, the stored content may be loaded without receiving a direct input from the user.

For example, if the user is a member subscribed to a merchant web page, the member information input at the time of registration may be retrieved from the merchant server 200 so that the user information may not be input at every payment. In addition, if the payment request is a content previously stored in the merchant server 200 (for example, can be stored using a shopping cart function in the merchant web page), it is loaded from the memory unit (not shown) of the first application 110. Can be.

According to an embodiment of the present invention, the payment method selection unit 130 is an interface for selecting at least one payment type. The payment method that can be selected may include Jiro payment, 00Pay, card payment, bank transfer, bankbook payment, and the like, and may include a general payment method without being limited to the payment method.

According to one embodiment, by selecting the payment method in the payment method selection unit 130, it is possible to perform a payment method using the Internet Jiro described below.

According to an embodiment of the present invention, the electronic notice receiving unit 150 may receive an electronic notice including the electronic payment number generated by the affiliate server based on the branch number of the affiliate server from the branch server 300. In addition, a notification message (for example, an SMS method, a push message method, etc.) for reading the electronic notice may be received in the user terminal 100.

When the notification message is selected and opened, a second application is automatically executed to check the received electronic notice. After confirmation of the notification message, the user may separately execute the second application.

The electronic notice may be delivered in an encrypted state in the server 300, and the user decrypts the electronic notice encrypted using the user's private key (private key) in the second application 140 to read the electronic notice contents. can do.

Upon installation of the second application, an asymmetric key pair for encryption of the electronic notification gun may be generated, and the secret key may be one of the generated asymmetric key pairs.

If the electronic notice is incorrectly transmitted to a terminal of another person other than the user terminal 100, the electronic notice cannot be read in the absence of the secret key, so that only the user can read the electronic notice, thereby increasing the security of the payment. There is an advantage that it can.

According to an embodiment of the present invention, the payment request unit 160 may transmit a payment request for the electronic notice to the server. The payment request may be a request for bank withdrawal or card authorization. At this time, since Jiro payment is possible both card payment and bank transfer, the user can select a payment method, the payment method may be stored or registered in the second application (140). In addition, the payment means may be previously stored in the first application 110 and included in the electronic notification.

The control unit 170 according to an embodiment of the present invention controls the payment information input unit 120, the payment method selection unit 130, the electronic notification receiving unit 150, and the payment requesting unit 160 to perform unique functions. can do.

The communication unit 180 according to an embodiment enables communication between the user terminal 100, an external server, and an external device. In more detail, the user terminal 100 enables communication with the affiliate server 200 and the branch server 300.

Merchant Server

2 is a diagram illustrating a configuration of an affiliated store server 200 according to an embodiment of the present invention.

2, the affiliated store server 200 according to an embodiment may include an electronic payment number generator 210 and a processing result receiver 220.

According to an embodiment of the present invention, when the payment method is selected in the user terminal, the electronic payment number generation unit 210 may assign an electronic payment number for each payment request based on the unique location number of the merchant server.

Specifically, the unique branch number of the merchant server may be given from the branch server 300, and the electronic branch number may be assigned to each payment request by specifying the unique branch number, the user, the amount, and the account. The terminal 100 may make payment and bank transfer based on the electronic payment number.

According to an embodiment of the present disclosure, predetermined information included in a payment request such as a number, a user, an amount, and an account may be information received from the payment information input unit 110, based on the received information. Each payment request may be assigned an electronic payment number for generating an electronic notification.

In addition, if information such as a user's mobile phone number, giro number, payment amount, payment request time, and merchant identification information is already stored in the affiliate server 200 or the first application 110, the information is retrieved by calling it. You can assign an electronic payment number.

The generated electronic notification is then sent to the server 300 to request the electronic notification to the user. The method of encrypting and transmitting the electronic notice from the branch server 300 will be described later.

Meanwhile, according to one embodiment, after the payment request process, the difference payment process, and the payment processing at the financial institution server 400 to be described later, the processing result receiving unit 220 is the processing result transmitting unit 340 of the giro server 300. Can receive the result of the processing for the withdrawal of the account or card authorization. In addition, the processing result may be stored and managed in a memory unit (not shown) of the affiliate server 200.

Giro server

3 is a diagram illustrating a configuration of a branch server 300 according to an embodiment of the present invention.

Referring to FIG. 3, the branch server 300 according to an embodiment may include a branch number generator 310, an electronic notice transmitter 320, a branch processor 330, and a processing result transmitter 340. have.

According to an embodiment of the present invention, the branch number generation unit 310 may assign a branch number corresponding to the unique identification information of the affiliated store server 200. The branch number can be used for the verification and the branch process of the electronic notification cases described below.

According to an embodiment of the present disclosure, the electronic notice transmitting unit 320 performs verification and encryption on the electronic notice case to which the electronic payment number is assigned by the electronic payment number generation unit 210 of the affiliate server 200, and the user terminal. 100 can be sent.

The notice may be transmitted through the first application 110 provided from the affiliate server 200, or may be transmitted directly from the affiliate server 200.

The verification method for the notice notice may be to compare the number of the notice included in the notice notice received from the merchant server 200 or the first application 110 with the number of the merchant will pre-stored in the Jiro server 300.

The electronic notification transmitter 320 may encrypt the electronic notification before transmission of the electronic notification, and the method used for the encryption may be a public key (asymmetric key) encryption method.

According to an embodiment, when the second application 140 is installed in the user terminal 100, an asymmetric key pair is generated to provide the generated public key to the giro server 300, and the giro server 300. In may encrypt the electronic notice using the public key. The document encrypted with the public key can be decrypted only with the private key which is one of the asymmetric key pairs. That is, since the private key is required to decrypt the encrypted electronic notification, even if the electronic notification is transmitted to a terminal other than the user terminal 100, the electronic notification details cannot be viewed, thereby improving the security of the electronic notification.

The encrypted electronic notice may be transmitted to the user terminal 100 and may transmit a notification message (eg, an SMS method, a push message method, etc.) as described above.

After transmitting the electronic notice, the server 300 may receive a payment request, payment method information, and payment means information for the electronic notice from the user terminal 100.

The payment method may be a wire transfer method or a credit card payment method, and other payment methods may also be used.

When the bank transfer method is selected as the payment method, payment for the electronic notice is performed by the difference payment process. Hereinafter, the difference settlement process will be described.

Giro server 300 receives a payment request through the account transfer from the user terminal 100, and additionally receives the account number information of the user.

Thereafter, withdraw the transaction price from the user (payer) account, and transmits the normal processing result to the merchant server 200 and the user terminal 100 to complete the transaction between the user and the merchant. In addition, the difference payment process through the Jiro processor 330 may be performed in order for the transaction price to be deposited into the merchant account after the transaction is completed.

The difference settlement process is a conventionally employed giro settlement method, which means that the settlement of funds between the giro payment financial institution and the Giro account holding financial institution is performed by the differential settlement method using the checking institution checking account in the Bank of Korea.

In other words, the Jiro processor 330 may transmit the difference payment request details to the Bank of Korea on the payment date (daily) so that the settlement funds can be settled between financial institutions through the checking account of the Bank of Korea.

In addition, the giro processor 330 may perform the settlement of funds between financial institutions according to the difference payment process and instruct the financial institution server to deposit the funds into the merchant account, and the financial institution server ( 200) and the Bank of Korea.

By performing a transaction through the server 300 between the user (payer) and the merchant (recipient), there is an advantage that the safety and security can be improved even for an electronic commerce such as a product or service purchase.

In the case of credit card payment, the difference payment process may be made through the difference payment process of the Giro processor 330 between the bank of the credit card issuing institution and the merchant bank.

Difference settlement dates may vary by transaction type or by specific bank (for example, the date of settlement for withdrawals + three business days for direct debits and the withdrawal date for one transfer + one business day).

That is, the existing transaction fee can be reduced by performing the payment between the user and the affiliated store through the difference payment process provided by the server 300.

The processing result transmitter 340 according to the exemplary embodiment of the present invention receives the processing result for the request from the financial institution server 400 and stores the received processing result in the user terminal 100 and the affiliate server 200, respectively. ) Can be sent. At this time, the processing result may be displayed on the screen of the user terminal 100. In addition, the processing result receiving unit 220 of the merchant server 200 may store and manage the processing result.

According to an embodiment of the present disclosure, when the transaction is completed, an electronic notice of transaction result details may be transmitted to the user terminal 100 and the affiliate server 200.

On the other hand, as a result of the processing, in the case of the transaction can be transmitted to the user terminal 100, a notification message about the transaction can be transmitted, in this case, the user can determine the cause of the transaction through the execution of the second application. For example, if the transaction is not possible due to insufficient account balance, the user may retry the transaction by performing a deposit on the shortage through checking a notification message for insufficient account balance.

4 is a diagram illustrating a payment process using a giro according to an embodiment of the present invention.

The first terminal and the second application may be installed in the user terminal 100.

The merchant server 200 may automatically receive identification information of the user terminal 100 when the first application is executed after the first application is installed in the user terminal 100, and when the user registers to use the first application, the user terminal Identification information of 100 may also be received. At this time, the affiliated store server 200 may store and manage the received identification information of the user terminal 100 in a database.

At the time of membership registration for use of the first application, the affiliated store server 200 may provide an interface for inputting subscription information, which is information required for membership, to the user terminal 100, and the user terminal 100 may be displayed on the screen. The corresponding interface may be displayed to request input of subscription information. Here, the subscription information may include payment means information (eg, card number, account number), user information (eg, mobile phone number, social security number, etc.), login information (eg, password), and the like. .

The user terminal 100 may transmit the subscription information input through the interface to the affiliated store server 200. The affiliate server 200 may store the information in a database.

In addition, the first application may provide a predetermined interface for selecting a payment method. The payment method may include card payment, bank transfer, bankbook payment, Giro payment.

① In the step of selecting a payment method, if payment is selected as the payment method, a payment process may be performed as described later.

② In the electronic payment number assignment step, the affiliated store server 200 generates and assigns an electronic payment number for each payment request based on the subscription information and the affiliated store branch number input to the first application. Can send an e-mail to the user.

③ In the electronic notification verification and encryption step, the jiro server 300 may verify the giro number included in the received electronic notification case in comparison with the giro number of the pre-stored merchant. In addition, the electronic notification may be encrypted using the public key of the asymmetric key pair generated when the second application is installed.

④ In the electronic notification transmission step, the Jiro server 300 may transmit the encrypted electronic notification to the user terminal 100.

⑤ In the electronic notification decryption step, the encrypted electronic notification can be decrypted using the user's private key, and the electronic notification details can be confirmed by the decrypted electronic notification.

⑥ In the payment request transmission step, if it is determined that it is normal by checking the electronic notification details, you can request a payment for the electronic notification details to the Jiro server 300. In this case, the user terminal 100 may select a payment method, which may be a payment method input in the above-described user input step, or an interface for inputting a new payment method may be provided to select a payment method.

⑦ The giro server 300 may perform the settlement of funds between the user and the affiliated store through the above-described difference settlement process by the giro processor 330.

⑧ the financial company server 400, according to the result of the settlement of funds, settles the settlement funds through the checking account of the Bank of Korea, and deposits the transaction price into the account of the merchant according to the transaction details.

⑨ financial company server 400 may transmit the withdrawal or approval processing result to the branch office server 300, ⑩ may be sent to the merchant server 200 to store and manage the processing result.

In addition, the result of the approval process may be transmitted to the user terminal 100 and displayed on the screen. As a result of the processing, in the case of a transaction failure, a notification message for a transaction failure may be transmitted to the user terminal 100, and in this case, the user may identify a cause of the transaction failure through execution of a second application.

Embodiments according to the present invention described above may be implemented in the form of program instructions that may be executed by various computer components, and may be recorded in a computer-readable recording medium. The computer-readable recording medium may include program instructions, data files, data structures, etc. alone or in combination. Program instructions recorded on the computer-readable recording medium may be those specially designed and configured for the present invention, or may be known and available to 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, DVDs, and magneto-optical media such as floptical disks. 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 not only machine code generated by a compiler, but also 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 to perform the process according to the invention, and vice versa.

Although the present invention has been described by specific embodiments such as specific components and the like, but the embodiments and the drawings are provided to assist in a more general understanding of the present invention, the present invention is not limited to the above embodiments. For those skilled in the art, various modifications and variations can be made from these descriptions.

Therefore, the spirit of the present invention should not be limited to the embodiments described above, and all of the equivalents or equivalents of the claims, as well as the claims below, are included in the scope of the spirit of the present invention. I will say.

100: user terminal
110: first application
120: payment information input unit
130: payment method selection unit
140: second application
150: electronic notification receiver
160: payment request
170: control unit
180: communication unit
200: merchant server
210: electronic payment number generation unit
220: processing result receiving unit
300: Giro Server
310: Giro number generation unit
320: electronic notice transmission unit
330: Giro processor
340: processing result transmission unit
400: financial company server

Claims (9)

As a way for a Giro server to make a payment based on a Giro process,
(a) receiving from the merchant server an electronic notification including an electronic payment number generated for each purchase of a product or service requested from a user terminal;
(b) transmitting the electronic notice to a user terminal; And
(c) receiving the payment request for the electronic notice from the user terminal, the process based payment process.
The method of claim 1,
Before step (a) above,
Giro process-based payment method further comprising the step of assigning a branch number to the merchant server.
The method of claim 1,
After step (a),
Performing the verification on the electronic notification number to which the electronic payment number has been assigned, and performing encryption by using an asymmetric key pair on the verified electronic notification case.
The method of claim 1,
After step (c),
Performing the settlement of funds between financial institutions according to the difference settlement process and instructing the financial institution server to deposit the merchant account.
As a Giro server that makes payments based on the Giro process,
An electronic notice transmission unit for receiving an electronic notice including an electronic payment number generated for each item or service purchase payment requested from a user terminal from a merchant server and transmitting the received notification to a user terminal; And
And a giro processor for performing the settlement of funds between financial institutions according to the difference settlement process, transmitting a deposit instruction to a merchant account to a financial institution server, and transmitting the result of the settlement of funds to a financial institution server and the Bank of Korea.
The method of claim 5,
A giro server further comprising a giro number generator for assigning a giro number to a merchant server.
The method of claim 5,
The electronic notification transmission unit,
A server for encrypting the electronic notification using asymmetric key pairs prior to sending the electronic notification to a user terminal.
As a merchant server that supports payment based on Giro process,
Receiving a payment request for a product or service purchase from a user terminal, and when the payment method is selected by the user as a payment method, an electronic payment number is assigned to each payment request based on the unique location number of the merchant server. Number generation unit; And
Merchant server comprising a processing result receiving unit for receiving a payment processing result for the electronic notification including the electronic payment number from an external server.
As an application coupled to the user terminal to support Jiro payment,
(a) transmitting a purchase request for goods or services to the merchant server and selecting payment as a payment method;
(b) receiving an e-notice containing an electronic payment number generated by the affiliate server based on the branch number of the affiliate server from the branch server; And
(c) is stored in the user terminal to execute the step of transmitting the payment request for the electronic notice to the Jiro server.

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