ONLINE PAYMENT METHOD AND ONLINE PAYMENT SYSTEM AND APPARATUS

摘要

Disclosed are an online payment method and an online payment system which can safely transceive financial information and transaction information through a user terminal connected to a shopping mall and a financial institution via a public network even without intermediary institutions such as PG/VAN and physical devices such as dedicated lines. The online payment method comprises: a step in which a shopping mall server generates a payment request token based on first transaction information according to a users purchase; a step in which the shopping mall server transfers the payment request token to a financial company server via the user terminal connected to a network; a step in which the financial company server extracts first transaction information from the payment request token; a step in which the financial company server generates second transaction information in accordance with a payment process from the user terminal; a step in which the financial company server generates a payment completion token based on the first transaction information and the second transaction information; a step in which the financial company server transmits the payment completion token to the shopping mall server via the user terminal; and a step in which the shopping mall server verifies the payment completion token to process payment completion.;COPYRIGHT KIPO 2019