Payment processing service system and method using user terminal

A settlement processing service method comprising steps of:

• transmitting, by a payment claimant terminal, payment claimant information, an amount in controversy, a code number capable of identifying a demand to a payment approval requester terminal;
• confirming, by the payment approval requester terminal, one or more pieces of information of the payment claimant information, the amount in controversy, the code number capable of identifying a demand and transmitting a payment approval request to a service provision server;
• and
• having, by the service provision server, one or more pieces of information of the payment approval requester information and the payment claimant information and performing settlement processing in response to a request received from the payment approval requester terminal,
• wherein if the service provision server does not have the payment approval requester information, the service provision server requests one or more of identity verification of the payment approval requester, the payment approval requester information, and the settlement processing from another server having the payment approval requester information.

A settlement processing service method comprising steps of:

• a) generating, by a payment claimant terminal, payment information, comprising user identification information of a payment claimant and an amount in controversy, in order to demand payment from a payment approval requester terminal;
• b) transmitting, by the payment claimant terminal, the payment information to the payment approval requester terminal;
• c) transmitting, by the payment approval requester terminal, the payment information and user identification information of a payment approval requester to a service provision server;
• and
• d) performing, by the service provision server, verification of the payment claimant, obtaining account information of the payment claimant using the user identification information of the payment claimant, and remitting the amount in controversy to the account of the payment claimant,
• wherein the user identification information of the payment claimant comprises a user identification code and a franchise identification code to which the payment claimant has subscribed, and
• wherein in the step d), the service provision server requests the account information of the payment claimant by transmitting the user identification code and the franchise identification code to another service provision server corresponding to the franchise identification code.