KR20190142251A - Direct payment monitoring system and method without withdrawl limit account - Google Patents

Abstract

The present invention relates to a direct payment system requiring no registration of a withdrawal-restriction account set by a bank to guarantee payment for subcontractors, workers and equipment suppliers. According to the present invention, when an order and a subcontract between a client, an original service provider, a supply and demand service provider and a secondary service provider are made, a conventional electronic payment system associated with a complicated financial institution which registers a plurality of accounts in association with one contract, such as registration and verification of a ′withdrawal-restriction account′ such as a fixed account, a prepaid account, a labor account and the like, and can be improved to simplify a payment request and a payment work process through the electronic system, thereby ensuring efficiency and reliability of payment.

Description

DIRECT PAYMENT MONITORING SYSTEM AND METHOD WITHOUT WITHDRAWL LIMIT ACCOUNT}

The present invention relates to a direct payment system that does not require the registration of withdrawal restrictions issued to banknotes in order to guarantee payment for socially disadvantaged such as subcontractors, workers, equipment operators.

In general, the industrial structure has a sales and purchasing network with partners, mainly large corporations and public institutions, and a trading cycle of contract, ordering, delivery, billing, and payment between large firms and small and medium-sized partners is formed.

In particular, the timely payment of delivery payments to subcontractors of relatively inferior suppliers in the purchasing process of large corporations is recognized as a social issue, not between corporations. It is a reality.

In Korea, in order to protect small and medium-sized subcontractors and workers, the public agencies receive subcontract payments and labor costs based on subcontract payment confirmation system and labor cost classification management and payment confirmation system. In connection with the system of financial institutions, the 'electronic payment system' is used to pay and manage payments electronically.Since 2018, private construction companies have also managed and evaluated the payments of labor costs of partner companies and evaluated mutual cooperation between construction companies. Efforts are being made for subcontractors and workers, including legal grounds for public bidding.

Specifically, the provisions include subcontract payment confirmation system, labor cost classification management and payment confirmation system in the public, and electronic payment confirmation system prescribed in the Electronic Procurement Law and the Framework Act on Construction Industry. There is an electronic payment system that grants.

1 illustrates a conventional electronic payment confirmation system or payment system, and is a block diagram showing a work flow of the electronic payment system.

The payments generated in the contracting process between the client, subcontractor, and subcontractor are implemented by introducing an electronic payment confirmation system and a payment relay system for linking banknotes and communication. In this case, the subcontractor and subcontractor receive the payments paid by the client and the subcontractor from the partner bank, which is electronically linked to the payment confirmation system, and fixed accounts, prepayment accounts, labor expense accounts, general accounts, etc. A plurality of accounts linked to the payment confirmation system must be registered for each entity. Among these, fixed accounts, prepaid accounts and labor expense accounts correspond to 'withdrawal limits' accounts, which companies cannot withdraw their payments arbitrarily. Account registration is a very difficult process, and once registered, the owner of the account will not be able to withdraw it unless it is formally authorized through the payment system.

This is necessary to secure payments for subcontractors, workers, equipment operators, and material suppliers that are relatively weak compared to the owners or subcontractors. Withdrawal of each fixed account, prepayment account, labor cost account, etc. As shown in Fig. 1, registration of a dedicated account (withdrawal limit account) for guarantee of payment is very demanding procedure. As shown in FIG. The problem continues that the payment process is difficult and its effectiveness is very low.

In addition, in the conventional electronic payment confirmation system or payment system, the burden of payment and payment confirmation work is increased due to the linkage of the bank system, and the payment and confirmation work procedures are complicated due to the registration of the withdrawal account. In addition, there is a need to solve the problem of cost burden due to an increase in the transfer fee.

In addition, if any of the subcontractors or subcontractors' exclusive accounts (withdrawal limit accounts) occur in the existing payment process, such as seizure or pressurization, the subcontractors or workers, equipment operators, and material contractors who receive subordinates There is also a structural problem that makes it impossible to guarantee payment.

Korean Patent Publication No. 10-2014-0127519

The present invention has been made to solve the above-described problems, the present invention is a plurality of orders, such as the registration of a conventional 'withdrawal restriction account' at the time of ordering and subcontracting between the client, the original operator, the beneficiary and the secondary beneficiary Improved electronic payment system linked to complex financial institutions that register accounts in one contract, simplifying and simplifying payment request and payment process through electronic system to secure efficiency and payment reliability. The purpose is to provide.

In particular, we aim to provide a blockchain-based payment confirmation system and method that ensures the reliability of subcontract payments, requires no linkage with the banking system, and enables the client to pay directly, without the need to register a withdrawal account.

In addition, the present invention enables to control the information management for the terminal for managing the contract information of each terminal constituting the payment system through the block chain technology, thereby preventing the forgery of the information that is characteristic of the block chain technology Ensuring the credibility of information related to billing and payment, reducing the complexity of payment and confirmation procedures due to the payment and payment confirmation and registration of accounts withdrawal restrictions when linking the bank system, and linking and limiting accounts with the bank system. In order to improve the process of indirect payments to subcontractors, workers, and equipment suppliers of the client, the company will reduce the cost burden due to the increase of the transfer fee.

In addition, the conventional electronic payment system has a problem that it is difficult to spread to other countries due to the different financial business regulations and banking system structure of each country, the present invention using the blockchain technology, the world standard payment and payment We will develop and disseminate verification systems.

As a means for solving the above-described problems, in the embodiment of the present invention, the ordering server, the primary partner terminal and the secondary partner terminal in the system capable of wired and wireless communication blockchain sharing information about the payment,

A primary partner terminal for receiving, confirming and approving billing information transmitted from the secondary partner terminal;

A client server for transmitting approval and payment instruction for billing information based on billing information received from the first partner terminal;

A payment payment confirmation system server that determines validity of payment payment information and payment instruction information transmitted from the ordering server, and performs a payment instruction for the payment payment information; And

Receive a payment instruction sent from the payment confirmation system server and transfer the payment to the only system-linked dedicated account (public account) matching the contract, and when the valid payment instruction comes,

A payment payment system linked affiliated bank server that directly pays each of the first and second partner terminals through a system linked dedicated account;

Including,

Make it possible to provide a direct payment system that does not require a withdrawal account registration.

According to an embodiment of the present invention, during the ordering and subcontracting transaction between the client, the original company, the beneficiary company, and the secondary beneficiary company, the registration and verification of the 'withdrawal restriction account' such as a fixed account, a prepaid account, a labor expense account, etc. In addition, by improving the electronic payment system linked to a complex financial institution that registers multiple accounts in one contract, it can simplify and simplify the payment request and payment process through the electronic system to secure efficiency and payment reliability. It has an effect.

In addition, according to the present invention, it is possible to secure the reliability of billing and payment-related information by preventing forgery and alteration of information that is characteristic of blockchain technology. Reduces the complexity of payment and verification procedures due to account verification, improves the direct indirect payment effect of the orderer using the bank system linkage and withdrawal restriction account, and reduces the cost burden due to the increase in account transfer fees. have.

In addition, the conventional electronic payment system is difficult to spread to other countries due to the different financial business regulations and banking system structure of each country, but according to the present invention using the blockchain technology, the world standard electronic payment system and payment A payment verification system can be developed and distributed.

In particular, indirect payment methods that are paid through the withdrawal limit account (dedicated account) of the subcontractor and subcontractor, subcontracting without the account of the subcontractor and subcontractor by using the payment payment system verification server and the payment payment system linked affiliated bank linked server The direct payment system is used to directly pay the price, labor cost, equipment cost, and material cost. Even if the account of the subcontractor or subcontractor is seized and seized, the subcontractor's subsidy, as well as labor, equipment, and material costs will be The benefits of being able to pay immediately are realized.

In addition, subcontract payments, labor costs, equipment costs, and material costs are paid directly without going through the account of the subcontractor and subcontractor, and the subcontractor and subcontractor can be exempted from issuing and submitting the payment guarantee certificate, thereby reducing the guarantee fee. The original contractor and subcontractor can guarantee the stability of the payment by blocking the issue of delayed payment of the payment due to the issuance and registration error of the withdrawal limit account (private account) issued by visiting the bank directly.

1 is a conceptual diagram illustrating a configuration flowchart of a conventional electronic payment confirmation system.
2 is a block diagram of a direct payment system that does not require a withdrawal limit account registration according to an embodiment of the present invention.
3 is a conceptual diagram illustrating a work flow of FIG. 2.
4 is a conceptual diagram illustrating an embodiment in which a third partner terminal is added in the system structure of FIG. 3.

Hereinafter, with reference to the accompanying drawings will be described in detail an embodiment of the present invention. However, in describing the embodiments, when it is determined that detailed descriptions of related known functions or configurations may unnecessarily obscure the subject matter of the present invention, detailed descriptions thereof will be omitted. In addition, the size of each component in the drawings may be exaggerated for description, it does not mean the size that is actually applied.

According to the present invention, the orderer refers to a person who subcontracts the manufacturing, repair, construction or service performance to the original business operator, and the primary supplier refers to the original business company, and more specifically, receives the manufacture, repair, construction entrustment or service entrustment from the client. In the case of entrusting the business again, the person who entrusted the business. Payment of the client's payment-related work is carried out through the client server, subordinate operators such as the first partner and the second partner, or the third partner communicate with the client server through a separate terminal, payment check system server You can send and receive payment-related information by accessing the transaction, and the transaction information including the payment information is desirable to be managed by blockchain.

In addition, the secondary supplier according to the present invention refers to the beneficiary company, more specifically the contractor entrusted by the original supplier, the primary supplier, the third supplier refers to the secondary beneficiary company, more specifically from the workers and suppliers Refers to operators such as equipment leasers and material suppliers.

In addition, the subcontract transaction according to the present invention refers to the act of receiving, subcontracting or providing subcontract payments to the original operator by manufacturing, repairing, constructing, or performing a contract commissioned by the original contractor. Subcontracting transaction refers to a transaction between a supplier (secondary partner) and a secondary contractor (third partner), and payment is paid for subcontracting, labor, equipment, etc. according to subcontracting or subcontracting. Say an act.

2 is a block diagram of a payment direct payment system (hereinafter referred to as 'the present system') that does not require a withdrawal limit account registration according to an embodiment of the present invention, and FIG. 3 is a conceptual diagram illustrating a work flow of FIG. 2. to be. FIG. 4 is a conceptual diagram illustrating an embodiment in which a third partner company terminal is added to the system structure of FIG. 3. (Hereinafter, the structure of FIG. 3 will be described.)

2 and 3, the payment direct payment system does not need to register withdrawal restrictions according to an embodiment of the present invention is the client server 110, the primary partner terminal 120, the secondary partner terminal 130 It may be configured to include a payment check system server 150, and may further comprise a payment payment system linked affiliated bank server 170.

More specifically, in the system, the ordering server, the primary partner terminal, and the secondary partner terminal blockchain share information on payment, under the system capable of wired / wireless communication, but the price transmitted from the secondary partner terminal 130 Based on the billing information received from the primary partner terminal 120, the first partner terminal 120 receives and confirms the billing information, the client's partner bank server for approval and payment instruction for the billing information ( The client server 110 to send to 160, manages the payment information transmitted from the client server and determines the validity of the payment instruction information transmitted to the primary partner terminal 120 and the secondary partner terminal 130 and The payment payment confirmation system server 150 that performs the payment instruction for this, the payment payment system received the payment instruction sent from the ordering server linked cooperation check payment system Through a dedicated account (public account) that receives and manages the payment request information transmitted from the client partner bank server 160 and the payment payment system server, which performs the payment transfer to the dedicated account registered in the server 170. It may be configured to include a payment banking system linked affiliated bank server 170 that performs payment directly to each of the first partner terminal and the second partner terminal.

In this system, the secondary partner terminal 130 refers to a terminal device used by a business operator entrusted by the original operator, which is the primary partner, and the secondary partner terminal 130 transfers billing information to the primary partner terminal. Allow for transmission and approval.

In addition, the primary partner terminal 120 transmits billing information to the ordering server 110 for receiving the manufacturing, repair, construction entrustment or service consignment from the ordering server 110, and then registers it from the ordering server. To be approved.

In addition, the client server forms payment information on the basis of the billing information and registers in the payment confirmation system server 150, and then checks this in the payment confirmation system server, and pays the payment to the client partner bank server 160. When requesting, the client partner bank server 160 transfers the payment for the contract attached to the subject constituting the system to a dedicated account (public account) managed by the payment payment system linked affiliate bank server 170. Done.

Subsequently, when the payment request is made to the payment confirmation system server from the first and second partner terminals, the payment confirmation system server verifies the validity of the billing information and then connects to the payment verification system affiliate bank server. The payment request is made to the payment unit 170, and the affiliated bank server 170 linked to the payment confirmation system is directly paid to the primary partner terminal and the secondary partner terminal through a dedicated account (public account) managed.

In the conventional electronic payment system structure, the principal partner terminal and the secondary partner terminal have a plurality of withdrawal limit accounts (dedicated accounts) to be used for the corresponding transaction by each principal and received from the payment confirmation system partner bank. The payment confirmation system must be registered, and in the case of payment, only a separate account can be used to receive a complicated procedure, and a complicated process such as an account verification procedure must be repeated at the time of execution. Through the dedicated account (public account) managed by the affiliated bank server 170 linked to the payment check system, payments are made directly to the general account of each subject, thereby implementing a distinctive feature.

In particular, in addition to the indirect payment method that is paid through the withdrawal limit account (dedicated account) of the original subcontractor and subcontractor, the withdrawal limit account of the subcontractor and subcontractor in the name of the subcontractor and subcontractor is linked by using the payment payment system confirmation server and the affiliated bank linked server It takes a direct debit system in which subcontract payments, labor costs, equipment payments, and material costs are paid directly without going through the system, even if the withdrawal limit account (dedicated account) of the subcontractor or subcontractor is seized and pressurized, as well as the subcontract payment of the subordinate companies. The cost of equipment, materials and materials can be paid immediately as requested.

In detail, the 'billing information' transmitted from the secondary partner terminal or the primary partner terminal to a higher entity is a concept encompassing a data packet including payment information related to the cost, and in some cases, corresponds to the billing information. It may refer to information that further includes information on a performance statement, a contract, and detailed performances that match the billing.

The registration of the billing information can be made sequentially from the lower partner terminal to the upper partner terminal, and when the registration and confirmation approval is made in the final client server, the information management for this is stored in the payment confirmation system server, blockchainization It is desirable to allow forgery to be managed so that it can be managed.

Furthermore, in the present system, although the subordinate partner terminals exemplify the primary and secondary partner terminals, it will be apparent that the subordinate partner terminals are added by adding the tertiary partner terminal. Therefore, the detailed description thereof will be omitted. Shall be.

Therefore, according to the present invention, when the billing and payment between the owner, the original business owner, and the beneficiary company, the conventional electronic financial payment system linked with complicated financial institutions is improved, thereby ensuring the reliability of payment and eliminating the need for linkage with the banking system. In addition, it is possible to provide a blockchain-based payment confirmation system and method that enables direct payment by the client without the need to register a withdrawal account.

The direct payment method (hereinafter referred to as 'the present invention') that does not require registration of a withdrawal limit account applying the system described above may be performed in the following order.

Referring to FIG. 3, the present invention transmits and registers billing information from a second partner terminal to a first partner terminal, and registers the billing information at the first partner terminal, and the first partner terminal. In step 2, the billing information is transmitted to the ordering server to register, and the ordering server approves the billing information, and the ordering server transmits and registers the billing information to the payment confirmation system server. On the basis of the billing information registered in the payment confirmation system server, a payment server is linked to the payment partner system server for the payment to the first partner terminal and the second partner terminal from the client server to the client partner bank server (170). Step 4 of sending the payment instruction to transfer to the bank), payment of the amount corresponding to the payment instruction from the client partner bank server Step 5 of transferring to a dedicated account (public account) managed by the verification system linked affiliate bank server 170 and the primary partner terminal received by the payment check system linked affiliate bank server 170 from the payment verification system server; On the basis of the payment information requested by the second partner terminal, it may include six steps of directly paying the approved payment to the first partner terminal and the second partner terminal.

One) Step 1 and Step 2: Registration and Approval of Billing Information

Steps 1 and 2 are steps in which each partner terminal sequentially transmits and registers billing information and requests approval thereof. In the present invention, the first and second partner terminals are illustrated as lower contractors. In addition, when the number of subjects such as the third partner terminal increases, such a process of sequentially transmitting and registering may be added.

In the present invention, the partner terminal may be a mobile communication terminal or a computer capable of wired and wireless communication (including Internet communication). In this case, the mobile communication terminal may be any one of a PDA (Personal Digital Assistant), a smart phone or a tablet PC.

Furthermore, the partner terminal used in the present invention may include a wired / wireless communication unit, an audio / video input unit, a user input unit, a sensing unit, an output unit, a memory, an interface unit, a controller, a power supply unit, and the like. All of the above components are not essential and may be added or subtracted according to characteristics. In one example, the partner terminal may be any of various types of computer system devices that are mobile or portable and perform wireless communication. In particular, examples of UE devices include mobile telephones or smart phones (eg, iPhone ™, Android ™ based phones), portable gaming devices (eg, Nintendo DS ™, PlayStation Portable, PlayStation). Portable ™, Gameboy Advance ™, iPhone ™, wearable devices (eg, smartwatches, smart glasses), laptops, PDAs, portable Internet devices, music players, data storage devices, or Other handheld devices, and the like. In general, the term “UE” or “UE device” may be broadly defined to include any electronic, computing, and / or communication device (or combination of devices) that is easily moved by a user and capable of wireless communication.

2) Step 3: Action of the Owner Server and the Payment Confirmation System Server

The third step is for the process of approving billing information transmitted from the subordinate partner terminal in the ordering server and registering it in the payment checking system server in the ordering server.

In particular, such billing information is a concept encompassing a data packet including payment information related to a cost as described above, and in some cases, a bill of execution information or a contract or detailed execution matching the billing information to the billing information. The information may further include information of matters.

Such transaction information, such as billing information in the present invention, it is desirable to be able to block and manage the storage server, such as the client server, the payment confirmation system server, each terminal, not shown, but the database.

Among the terminals managed by such blockchains, the database in the embodiment of the present invention has a storage space for independently storing information stored in a server, or a storage space (hard disk or memory) of a computer system using a database management program. Means a general data structure implemented in the, means a data storage form that can freely search (extract), delete, edit, add, and the like. These databases are relational database management systems such as oracle, infomix, sybase, DB2, or object-oriented database management systems such as gemston, orion, O2, and Exelon. It can be implemented for the purpose of the present invention using an XML-only database such as excelon, tamino, sekaiju, etc., and appropriate fields or elements to achieve its function. You can have In addition, the communication network used by the partner terminal of each subject is a network capable of wired and wireless communication, and is a mobile communication network (including 3G network, 4G network, 5G network, WiBro network, LTE network) installed and operated by a telecommunication company, and an Internet network. It may include a public switched telephone network (PSTN) network.

3) Steps 4 and 5: Transfer the payment to the dedicated account (public account) managed by the affiliated bank server 170 linked to the payment check system

In the present invention, the primary partner terminal and the secondary partner from the client partner bank server to the partner payment server linked partner bank server 170 based on the billing information approved by the client server registered in the payment confirmation system server. The payment instruction is sent to transfer the payment to the terminal, and thereafter, the order is transferred from the partner bank server to the dedicated account managed by the payment payment verification system linked affiliate bank server 170 corresponding to the payment instruction. To be possible.

In this case, in particular, in the dedicated account managed by the payment payment system linked affiliated bank server 170, a method of directly paying the approved price to the primary partner terminal and the secondary partner terminal is taken. The corresponding partner terminal does not need a dedicated account, it will be possible to receive a deposit to a general bank account. This is a method in which payment guarantee is directly paid through a dedicated account managed by the blockchain-type information security system and payment payment confirmation and approval and payment associated with the payment payment system linked affiliated bank server 170 on the system of the present invention. Since the process for performing registration of a dedicated account on the partner terminal or the client's side is eliminated as in the past, it is possible to achieve the simplification and efficiency of the entire system.

In particular, in a four-step process, the payment confirmation system provides the payment to the first partner terminal and the second partner terminal to the client partner bank server based on the billing information registered in the payment confirmation system server. Corresponds to the process of transmitting the payment instruction to transfer to the linked affiliated bank server (170). Thus, the fourth step, as a preliminary step, for the payment instruction transmitted to the payment confirmation system linked partner bank server 170, the payment payment system server to pay to the first partner terminal from the client terminal Step 4-1 of transmitting the payment history and confirming it in the first partner terminal and transmitting the payment details to be paid in the first partner terminal to the second partner terminal in the payment confirmation system server and then in the second partner terminal It may be configured to further comprise the step 4-2.

As described above, according to the present invention, it is possible to secure the reliability of billing and payment-related information by preventing forgery and alteration of information that is characteristic of the blockchain technology. This can reduce the complexity of payment and verification procedures, and improve the indirect debit effect of the client using the bank system linkage and withdrawal restriction account.

According to the present invention, subcontract payments, labor costs, equipment payments, material costs are paid directly without going through the withdrawal limit account in the name of subcontractor and subcontractor, so that subcontractors and subcontractors are exempted from issuance and submission of payment guarantee certificate and guarantee fee It is possible to reduce the cost, and to ensure the stability of payments by blocking the problem of payment delay due to account errors.

4) Ensuring scalability of application to prepayment method

In the above-described embodiment of the present invention, the payment is guaranteed to the entire constituents without going through the process of issuing, registering, and verifying a fixed account, which is a withdrawal restriction account (dedicated account) in the name of the original subcontractor and subcontractor. It has been described above that it is possible to implement the characteristics of the direct debit system that can be directly paid to each subject by utilizing the affiliated bank server linked to the payment system.

In contrast, in another embodiment of the present invention, the subject, for example, the subcontractor uses a payment system linked affiliated bank server to prepay the subcontractor with his own funds before the client pays the prepaid structure. It is extensible by implementing

Referring to the scalability of the prepayment claim guarantee with reference to the structure of Figure 3, when the situation in which the prepayment is required before the orderer pays the subcontract in the primary partner terminal 120 corresponding to the subcontractor terminal I'm going to assume This is commonly referred to as privately established and is a very common phenomenon. The subcontractor usually charges the orderer every three months due to over-proofing of the documentary evidence, and the subcontractor must pay the labor cost in monthly cash. Therefore, it is a general phenomenon that occurs due to structural problems in the construction sites that claim to subcontractors at least once a month, that is, differences in billing and payment cycles.

In this case, the primary partner terminal 120 requests a payment payment transfer to the payment confirmation server 150, and the payment confirmation server determines the adequacy of the request for the payment of the prepayment of such subcontractors. The payment check server provides a prepaid payment transfer account that can transfer the down payment from the primary partner terminal to the payment system partner bank server 170.

In this case, when the first partner terminal 120 deposits cash in the prepayment transfer account in cash, the cash is collected in the payment system affiliate bank linked server 170, and the collected cash is linked to the payment system affiliate bank. In the linked server will be paid directly to the second partner terminal (130).

In this way, the amount that the subcontractor prepaid to the subcontractor before the payment of the client's payment is later, when the payment of the client's payment is made, when the payment is made later to the payment system affiliate bank linked server 170, the amount of the prepaid cash Settlement may be performed by the amount so that the original contractor receives the portion of the shares.

Therefore, according to an embodiment of the present invention, even without taking the existing withdrawal limit account method, it is possible to implement the debit system by applying the payment system confirmation server 150 and the payment system affiliated bank linked server 170, of course, The amount that the subcontractor prepays can be secured to the subcontractor stably, and furthermore, the subcontractor's prepayment to the equipment contractor, material contractor, and worker can be secured in the same way and structure. Scalability can be ensured.

In the detailed description of the invention as described above, specific embodiments have been described. However, many modifications are possible without departing from the scope of the invention. The technical spirit of the present invention should not be limited to the above-described embodiments of the present invention, but should be determined not only by the claims, but also by those equivalent to the claims.

110: client server
120: primary partner terminal
130: secondary partner terminal
140: tertiary partner terminal
150: blockchain-based payment confirmation server
160: client partner bank server
170: affiliated bank server linked to the payment payment system

Claims (6)

In a method in which a client server, a primary partner terminal, and a secondary partner terminal can pay for a wired / wireless communication without registering a withdrawal limit account,
Transmitting and registering billing information from a second partner terminal to a first partner terminal, and acknowledging the billing information at the first partner terminal;
Transmitting and registering the billing information from the first cooperative terminal to the ordering server, and approving the billing information at the ordering server;
Transmitting and registering the billing information from the ordering server to the payment confirmation system server;
Based on the billing information registered in the payment confirmation system server, the payment order system linked affiliated bank to pay the payment to the first partner terminal and the second partner terminal to the client partner bank server 160 from the client server Transmitting a payment instruction to transfer to a dedicated account managed by the server 170;
Step 5 of transferring the price corresponding to the payment instruction from the ordering partner bank server 160 to the dedicated account managed by the payment payment system linked affiliate bank server 170; And
Step 6 of directly paying the approved payment to the first partner terminal and the second partner terminal terminal in the dedicated account managed by the payment payment system linked affiliate bank server 170;
Including,
Direct payment method that requires no withdrawal account registration.
The method according to claim 1,
The fourth step,
Regarding a payment instruction transmitted from the client server to the client partner bank server,
Step 4-1 of the payment payment system server transmits the payment details to be paid by the client terminal to the first partner terminal and confirms it in the first partner terminal; and
Step 4-2 of the payment payment system server transmits the payment details to be paid by the first partner terminal to the second partner terminal and confirms it in the second partner terminal;
Including more,
Direct payment method that requires no withdrawal account registration.
The method according to claim 2,
The six steps,
With respect to the payment history confirmed in step 4-1 and step 4-2,
Request the payment to be paid from the first partner terminal and the second partner terminal,
In the dedicated account managed by the payment payment system linked affiliated bank server 170, a step of directly paying the approved price to the first partner terminal and the second partner terminal,
Direct payment method that requires no withdrawal account registration.
The method according to claim 3,
The price transmitted to the first partner terminal and the second partner terminal is transmitted to a general account interworking with each terminal,
Direct payment method that requires no withdrawal account registration.
The method according to claim 4,
Further comprising the third partner terminal for transmitting the billing information to the secondary partner terminal before the first step, receiving the approval for the transmitted billing information,
In step 4, a payment is made to the first partner terminal, the second partner terminal, and the third partner terminal from the client server to the client partner bank server based on the billing information registered in the payment confirmation system server. It is a step of transmitting a payment instruction to transfer to a dedicated account managed by the payment payment system linked affiliate bank server 170,
The sixth step is a step of directly paying the approved payment to the first partner terminal, the second partner terminal, the third partner terminal in the dedicated account managed by the payment payment system linked affiliated bank server 170. ,
Direct payment method that requires no withdrawal account registration.
In the system for performing the direct payment method that does not require registration of withdrawal restrictions according to claim 1,
Under the system which enables wire / wireless communication, the ordering server, the 1st partner terminal and the 2nd partner terminal block information about payment and share it,
A primary partner terminal for receiving, confirming and approving billing information transmitted from the secondary partner terminal;
A client server for transmitting approval and payment instruction for billing information based on billing information received from the first partner terminal;
A payment now confirmation system server that determines the validity of the payment information and the payment instruction information transmitted from the orderer server and performs a payment instruction for the payment payment information; And
On the basis of the payment information transmitted from the payment confirmation system server, the owner server transfers the payment to the dedicated account managed by the only payment payment system linked affiliate bank server 170 matching the contract to the client affiliated bank server. And when a valid payment instruction comes in,
A payment payment system linked affiliated bank server for performing payments directly to each of the first and second partner terminals through a dedicated account managed by the payment confirmation system linked affiliated bank server 170;
Including,
Direct payment system that requires no withdrawal account registration.

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