Title:
USER-CENTERED REAL-TIME DEPOSIT PAYMENT SYSTEM
Document Type and Number:
WIPO Patent Application WO/2023/172104
Kind Code:
A1
Abstract:
The present invention relates to a user-centered real-time deposit payment system, and more specifically, to a user-centered real-time deposit payment system in which an amount paid by a user is deposited into an affiliated store owner's payment account in real time immediately upon payment. The user-centered real-time deposit payment system according to the present invention comprises: a user terminal that receives affiliated store identification information and payment amount information from an affiliated store terminal, searches an affiliated store DB with the affiliated store identification information, obtains matching affiliated store information and affiliated store owner deposit information, and requests transaction approval; and a gateway server that transmits, to a financial institution server, a transfer request for the transaction approval received from the user terminal, and requests real-time deposit processing to an affiliated store payment account registered in a transaction approval message.
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Inventors:
PARK KYUNG YANG (KR)
Application Number:
PCT/KR2023/003313
Publication Date:
September 14, 2023
Filing Date:
March 10, 2023
Export Citation:
Assignee:
HAREX INFOTECH INC (KR)
International Classes:
G06Q20/10; G06Q10/06; G06Q20/02; G06Q20/04; G06Q20/14; G06Q20/26; G06Q20/40; G06Q20/42; G06Q40/02
Foreign References:
| KR20220011752A | 2022-01-28 | |||
| US20090182633A1 | 2009-07-16 | |||
| KR20170013584A | 2017-02-07 | |||
| KR20140055414A | 2014-05-09 | |||
| KR20170110466A | 2017-10-11 |
Attorney, Agent or Firm:
JIMYUNG PATENT FIRM (KR)
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