WO2019004786A1 - Système de fourniture de services de paiement et de règlement reposant sur un compte - Google Patents

Système de fourniture de services de paiement et de règlement reposant sur un compte Download PDF

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Publication number
WO2019004786A1
WO2019004786A1 PCT/KR2018/007420 KR2018007420W WO2019004786A1 WO 2019004786 A1 WO2019004786 A1 WO 2019004786A1 KR 2018007420 W KR2018007420 W KR 2018007420W WO 2019004786 A1 WO2019004786 A1 WO 2019004786A1
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WO
WIPO (PCT)
Prior art keywords
tag
payment service
receiver
account
terminal
Prior art date
Application number
PCT/KR2018/007420
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English (en)
Korean (ko)
Inventor
박경양
Original Assignee
주식회사 하렉스인포텍
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Publication of WO2019004786A1 publication Critical patent/WO2019004786A1/fr

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G06Q20/108—Remote banking, e.g. home banking
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/326—Payment applications installed on the mobile devices
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
    • G06K19/00—Record carriers for use with machines and with at least a part designed to carry digital markings
    • G06K19/06—Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
    • G06K19/00—Record carriers for use with machines and with at least a part designed to carry digital markings
    • G06K19/06—Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
    • G06K19/06009—Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code with optically detectable marking
    • G06K19/06037—Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code with optically detectable marking multi-dimensional coding
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
    • G06K19/00—Record carriers for use with machines and with at least a part designed to carry digital markings
    • G06K19/06—Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
    • G06K19/067—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components
    • G06K19/07—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components with integrated circuit chips
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
    • G06K19/00—Record carriers for use with machines and with at least a part designed to carry digital markings
    • G06K19/06—Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
    • G06K19/067—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components
    • G06K19/07—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components with integrated circuit chips
    • G06K19/0723—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components with integrated circuit chips the record carrier comprising an arrangement for non-contact communication, e.g. wireless communication circuits on transponder cards, non-contact smart cards or RFIDs
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance

Definitions

  • the present invention relates to a payment settlement service providing system in which a terminal of a sender recognizes an electronic device of a receiver and performs transfer.
  • the conventional mobile banking app service according to the related art has a problem that there is an inconvenience that a login procedure is performed and a personal authentication procedure such as password authentication (or biometric authentication) of the remittance account is separately performed.
  • the present invention has been proposed in order to solve the above problems. It is an object of the present invention to provide a payment service provider (including a financial institution) by checking the validity of a payment module installed in an app of a sender at the moment when a terminal of a sender recognizes an electronic device Based payment service capable of completing a remittance transfer through an easy personal authentication procedure through simple password input, biometric authentication (fingerprint, voice, face, iris, etc.) required by the user.
  • a payment service provider including a financial institution
  • a system for providing an account-based payment service includes a tag mapped to an account number of a receiver, a remitter terminal recognizing a tag and driving an installed app module to request a payment amount transfer, And a settlement service server for providing the receiver money transfer service by providing the receiver information.
  • a method of providing an account-based payment service includes generating a card number for a tag, receiving account-matching information of a receiver for a card number, A step of verifying the validity of the application module installed in the sender terminal, transmitting the corresponding store information, and transferring the transfer amount information inputted through the application module to the financial institution .
  • the account-based payment service server includes a tag generator for generating a tag, a storage unit for storing account information of the receiver in accordance with the registration of the tag, and a storage unit for storing account information of the receiver, And an intermediary unit for calling the account information stored in the storage unit to transfer the collection name corresponding to the tag, and for mediating the payment and payment transfer process.
  • payment can be made without a merchant agreement between a receiver and a financial institution or a settlement service company, so that payment between a receiver and a sender,
  • a small merchant has the advantage of being able to receive payment of a sales price without paying a merchant fee.
  • FIG. 1 is a block diagram illustrating a system for providing an account-based payment service in accordance with an embodiment of the present invention.
  • FIG. 2 is a block diagram illustrating a payment service server providing an account-based payment service according to an embodiment of the present invention.
  • 3A to 3E are diagrams illustrating a withdrawal account registration process according to an embodiment of the present invention.
  • FIGS. 4 and 5A to 5G are diagrams illustrating a payment settlement process by recognizing a merchant tag according to an embodiment of the present invention.
  • 6A to 6C are diagrams illustrating a payment cancellation process according to an embodiment of the present invention.
  • FIG. 7 is a sequence diagram illustrating a process of issuing a tag (NFC tag, QR code, and BLE button) according to an embodiment of the present invention.
  • FIG. 8 is a sequence diagram illustrating a tag registration process according to an embodiment of the present invention.
  • FIG. 9 is a sequence diagram illustrating a payment transfer process using an NFC tag according to an embodiment of the present invention.
  • FIG. 10 is a sequence diagram illustrating a payment transfer process using a QR code according to an embodiment of the present invention.
  • FIG. 11 is a sequence diagram illustrating a payment transfer process using a BLE button according to an embodiment of the present invention.
  • FIG. 12 is a diagram illustrating a configuration of a computer device in which an account-based payment service according to an embodiment of the present invention can be executed.
  • FIG. 1 is a block diagram illustrating a system for providing an account-based payment service according to an exemplary embodiment of the present invention.
  • FIG. 2 is a block diagram illustrating an account-based payment service server according to an exemplary embodiment of the present invention.
  • a system for providing an account-based payment service includes a tag 200a to be mapped to an account number of a seller, a tag 200a to recognize a tag 200a, And a settlement service server 300 that performs verification of the sender terminal 100 and the app module, and provides the receiver's money transfer service by providing receiver information.
  • the tag 200a also includes a tag of the receiver, which is a receiver number such as an account number or a virtual account number of the receiver or a receiver number that can recognize the receiver, and provides goods, services, and services to the receiver Not only sellers, but also churches or Salvation Army entities, who receive donations, workers or service providers who want to receive tips, those who wish to receive donations, and female widows.
  • senders include not only buyers of goods, services, and services, but also donators or donors, and charitable people.
  • the account of the sender is a financial institution providing personal financial services such as a bank, a prepaid card, a gift card, a credit card, an electronic money, a transportation card, a virtual money, Or an account managed by a payment service company.
  • the account of the receiver is an account managed by a financial institution or a payment service company providing personal financial services such as a bank, a prepaid card, a gift card, a credit card, an electronic money, a transportation card, a virtual currency,
  • the account-based payment service server 300 includes a tag generator 310 for generating and encrypting a UBID (a unique ID provided to a receiver by a UB payment provider) and inputting the encrypted ID to the tag 200a, And the validity of the application module installed in the sender terminal 100 is verified by the storage unit 320 receiving the account information of the receiver according to the registration of the tag and the sender terminal 100 recognizing the tag 200a And a mediating unit 330 for calling the account information stored in the storage unit 320 to transfer the collection name corresponding to the tag 200a and for mediating payment and settlement transfer processes.
  • a tag generator 310 for generating and encrypting a UBID (a unique ID provided to a receiver by a UB payment provider) and inputting the encrypted ID to the tag 200a
  • the sender terminal 100 When the sender terminal 100 is installed with an app module and touches "transfer" as shown in FIG. 3A, the user authentication screen is displayed as shown in FIG. 3B, and the name, sex and mobile phone number are automatically output, An authentication number dispatch request is performed.
  • the sender inputs the received authentication number and presses the OK button.
  • the remitter presses the registration button after inputting the account password.
  • FIGS. 4 and 5A to 5G are diagrams illustrating a payment settlement process by recognizing a merchant tag according to an embodiment of the present invention.
  • the sender terminal 100 recognizes the tag 200a, recognizes the electronic passbook of the seller, and stores the account number of the receiver or the account owner's name (nickname or mutual name) (100), inputting the transfer amount, transferring money to the account of the receiver through the identity verification, and completing the settlement.
  • the present invention it is possible to settle a money through a money transfer without a merchant agreement between a money receiver and a financial institution or a payment service company, so that a small merchant can receive a transfer amount without any burden on a payment merchant fee.
  • the sender terminal 100 recognizes the tag 200a held by the receiver of the receiver or the receiver of the receiver by the NFC tag or the QR code.
  • the login information for the sender's app module and the account information of the receiver can be called to enable a transaction service immediately after login.
  • FIG. 5A is a screen for selecting a fixed amount requiring payment such as 5000 won, 10000 won, 2000 won, 5000 won
  • FIG. 5b is a screen for selecting a remittance And a screen of the terminal 100 is shown.
  • the sender terminal 100 When the selection or input of the mobile transfer amount is completed and the "transfer" button is clicked, the sender terminal 100 performs the input of the mobile phone number of the user at least once as shown in FIG. 5C.
  • FIG. 5D the PIN number or the OTP number previously set on the application module is input, and when the authentication is completed, a transfer completion screen as shown in FIG. 5E is displayed on the sender terminal.
  • the receiver terminal 200b confirms the transfer result on the PC screen as shown in FIG. 5F, or confirms the transfer result from the portable terminal as shown in FIG. 5G.
  • 6A to 6C are diagrams illustrating a payment cancellation process according to an embodiment of the present invention.
  • the sender terminal 100 provides a list of payment details in response to a payment cancellation request.
  • a cancellation request for " Busan fish paste 20000 won " is input, for example, Perform password input.
  • FIG. 7 is a sequence diagram illustrating a process of issuing a tag (NFC tag, QR code, and BLE button) according to an embodiment of the present invention.
  • the settlement service server 300 generates a UBID and a serial number and transmits the UBID and the serial number to the arm / decoder 310 (S110 and S120).
  • the arm / decoder 310 encrypts the UBID (S130) To the tag 200a-1, the QR code 200a-2, and the BLE button 200a-3 (S141, S142, and S143).
  • UBID is an identification number uniquely assigned by the payment service server and can be used as a virtual account number.
  • the serial number is a kind of randomly generated card number, which is returned to the settlement service server 300 through the registration process in the financial service server 400 described later with reference to FIG.
  • FIG. 8 is a sequence diagram illustrating a tag registration process according to an embodiment of the present invention.
  • the receiver 200 visits the financial institution window 410 and distributes the tag 200a described above with reference to FIG. 6 (S210).
  • the receiver 200 receives the serial number, the name of the store of the receiver (nickname, contents to be displayed in the recipient name column on the remitter terminal screen, designated by a merchant name or name) Number, etc.) (S220).
  • the financial company server 400 extracts the account number by using the personal information, and matches / stores the account number by using the serial number as the key (S240).
  • the financial company server 400 transmits the serial number and the nickname to the payment service server 300 (S250), and the payment service server 300 stores the serial number, the UBID and the nickname generated by itself in the DB (S260).
  • FIG. 9 is a sequence diagram illustrating a payment transfer process using an NFC tag according to an embodiment of the present invention.
  • the NFC tag 200a-1 transmits a drive request to the app of the sender terminal 100. At this time, (S315).
  • the sender terminal 100 drives an app module and extracts a validity value such as an application serial number, a UUID, and a mobile phone number (S320).
  • UUID is a Unique User Identifier, which is used for authentication and authentication of the user.
  • the payment service server transmits the received information to the authentication server server and requests authentication.
  • the authentication server server transmits member information including the received phone number to the communication company server to request the subscriber confirmation, and the communication company server transmits the telephone number Compares subscriber information including subscriber information with subscriber information, performs subscriber confirmation, and notifies the authentication server server of the result.
  • the authentication server server When the subscriber identification is completed, the authentication server server generates and transmits the identification number to the service server, notifying the authentication server that the identification number is authenticated, and the service server transmits the identification number to the mobile device of the sender.
  • the authentication number may be directly transmitted from the authentication server to the portable device of the sender without going through the service server.
  • the payment service server 300 receiving the application validity verification request from the sender terminal 100 verifies the application module and decrypts the UBID using the above-described arm / decoder to extract the corresponding seller name (nickname) (S330 ).
  • the settlement service server 300 transmits the verification result, the collection name and the serial number to the sender terminal 100 (S335), and the sender terminal 100 exposes the transfer screen including the collection name as described above (S340).
  • the transfer money amount and the password are input from the sender (S345).
  • the transfer request including the phone number / password, serial number, and money of the sender is transmitted (S350).
  • the bank server 400 receiving the transfer request extracts the account, performs transfer processing (S355), transmits the processing result to the payment service server 300 (S360), and transmits the processing result to the remitter terminal 100 (S365) and transmits it to the receiver terminal 200b (S370)).
  • FIG. 10 is a sequence diagram illustrating a payment transfer process using a QR code according to an embodiment of the present invention.
  • the sender terminal 100 drives the app module and extracts the validity value including the application serial number, the UUID, and the mobile phone number (S410).
  • the payment service server 300 verifies the application module (S415) and transmits the verification result to the sender terminal 100 (S420).
  • the sender terminal 100 When the QR menu is touched at the sender terminal 100 (S425), the sender terminal 100 reads the QR code 200a-2 as the seller tag (S430) and receives the encrypted UBID.
  • the remitter terminal 100 transmits the encrypted UBID to the payment service server 300 to request the receiver information at step S435 and the payment service server 300 decrypts the UBID using the arm / (Nickname) is extracted (S440).
  • the payment service server 300 transmits the merchant name and serial number to the sender terminal 100 in step S445 and displays the transfer screen on which the collection name is displayed as described above in step S450, (S455).
  • the transfer request including the telephone number / password, serial number, and money of the sender is transmitted (S460).
  • the financial company server 400 receiving the transfer request extracts an account and performs transfer processing in step S470 and the processing result is transmitted to the payment service server 300, the sender terminal 100, and the seller terminal in steps S480, S485, S490).
  • FIG. 11 is a sequence diagram illustrating a payment transfer process using a BLE button according to an embodiment of the present invention.
  • the sender terminal 100 drives the app module and extracts the validity value including the application serial number, the UUID, and the mobile phone number (S510).
  • the payment service server 300 verifies the application module (S515) and transmits the verification result to the sender terminal 100 (S520).
  • the BLE button 200a-3 When the BLE button 200a-3 is touched, the BLE button 200a-3 transmits the encrypted UBID to the sender terminal 100 (S525).
  • the remitter terminal 100 transmits the encrypted UBID to the payment service server 300 to request the receiver information at step S530.
  • the payment service server 300 decrypts the UBID using the arm / (Nickname) is extracted (S535).
  • the settlement service server 300 transmits the collection name and the serial number to the sender terminal 100 in step S540 and displays the transfer screen on which the collection name is displayed as described above in step S545, (S550).
  • the transfer request is transmitted to the financial server 400 (S555) including the telephone number / password, the serial number, and the money amount of the sender, .
  • the financial company server 400 Upon receiving the transfer request, the financial company server 400 extracts the account and performs transfer processing (S560). The processing result is transmitted to the payment service server 300, the sender terminal 100, and the receiver terminal 200b (S565, S570, S580).
  • the service execution according to the embodiment of the present invention can be implemented in a computer system or recorded on a recording medium.
  • the computer system includes at least one processor 121, a memory 123, a user input device 126, a data communication bus 122, a user output device 127, And may include a storage 128.
  • Each of the above-described components performs data communication via the data communication bus 122.
  • the computer system may further include a network interface 129 coupled to the network.
  • the processor 121 may be a central processing unit (CPU) or a semiconductor device that processes instructions stored in the memory 123 and / or the storage 128.
  • the memory 123 and the storage 128 may include various forms of volatile or nonvolatile storage media.
  • the memory 123 may include a ROM 124 and a RAM 125.
  • computer-readable instructions can perform a payment service according to the present invention.
  • the account-based payment service according to the present invention described above can be implemented as a computer-readable code on a computer-readable recording medium.
  • the computer-readable recording medium includes all kinds of recording media storing data that can be decoded by a computer system. For example, there may be a ROM (Read Only Memory), a RAM (Random Access Memory), a magnetic tape, a magnetic disk, a flash memory, an optical data storage device and the like.
  • the computer-readable recording medium may also be distributed and executed in a computer system connected to a computer network and stored and executed as a code that can be read in a distributed manner.

Abstract

La présente invention concerne un système de fourniture de services de paiement et de règlement, dans lequel un terminal d'un payeur reconnaît un dispositif électronique d'un bénéficiaire de façon à verser et à transférer de l'argent. Selon un mode de réalisation de la présente invention, le système de fourniture de services de paiement et de règlement reposant sur un compte comprend : une étiquette mappée sur un numéro de compte de bénéficiaire; un terminal de payeur destiné à reconnaître une étiquette et à commander un module d'application installé de façon à demander un transfert de montant de règlement; et un serveur de service de règlement destiné à vérifier un module d'application et à fournir des informations de bénéficiaire de façon à fournir des services de transfert de montant de règlement.
PCT/KR2018/007420 2017-06-30 2018-06-29 Système de fourniture de services de paiement et de règlement reposant sur un compte WO2019004786A1 (fr)

Applications Claiming Priority (2)

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KR1020170083924A KR20190003267A (ko) 2017-06-30 2017-06-30 계좌 기반 지급결제 서비스를 제공하는 시스템
KR10-2017-0083924 2017-06-30

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KR102240524B1 (ko) * 2019-03-21 2021-04-15 쓰리에이로직스(주) 동적 nfc 정보와 동적 2차원 바코드 생성 방법

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KR20120100283A (ko) * 2011-03-03 2012-09-12 주식회사 케이티 전자결제 시스템 및 방법
KR20130082676A (ko) * 2011-12-14 2013-07-22 김호섭 티핑서비스를 제공하는 티핑관리서버 및 모바일 단말기를 이용한 온라인 티핑 시스템과, 티핑관리서버나 티핑어플리케이션에서 티핑서비스를 제공하는 방법
KR20140133068A (ko) * 2013-05-09 2014-11-19 주식회사 케이티 송금 기반 결제 서비스 장치 및 방법
KR20160060441A (ko) * 2014-11-20 2016-05-30 주식회사 디지비데이터시스템 계좌 이체를 이용한 결제처리 시스템

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* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR20120016796A (ko) * 2010-08-17 2012-02-27 주식회사 신한은행 금융 결제 서비스 시스템, 이를 위한 사용자 단말 및 방법
KR20120100283A (ko) * 2011-03-03 2012-09-12 주식회사 케이티 전자결제 시스템 및 방법
KR20130082676A (ko) * 2011-12-14 2013-07-22 김호섭 티핑서비스를 제공하는 티핑관리서버 및 모바일 단말기를 이용한 온라인 티핑 시스템과, 티핑관리서버나 티핑어플리케이션에서 티핑서비스를 제공하는 방법
KR20140133068A (ko) * 2013-05-09 2014-11-19 주식회사 케이티 송금 기반 결제 서비스 장치 및 방법
KR20160060441A (ko) * 2014-11-20 2016-05-30 주식회사 디지비데이터시스템 계좌 이체를 이용한 결제처리 시스템

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